personal finance
Personal Finance
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Personal Finance Superlative Insight.
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Carbon check 
A copy of each check you write 
Envelope System 
Series of envelopes that are divided into categories and are used to store cash for 
planned monthly expenses 
Impulse purchase 
An item that is bought without previous planning or consideration of the long-term 
effects 
Overdraft 
Occurs when money is withdrawn from a bank account and the available balance goes 
below zero 
Reconcile 
To match your bank statement with your checkbook 
Zero-Based Budget 
A cash flow plan that assigns...
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Personal Finance Exceptional Acumen.
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spending more money than you are earning every month 
paycheck 
a document that tells your employer's bank how much money to give to you 
what does a paycheck include 
employer's name and address, a check number, the date of the check, your name as 
the recipient, the amount of the check written in numbers and spelled out, the signature 
of a person authorized by your employer 
pay stub 
attached to the paycheck and provides information about the money you earned 
what does a pay stub include ...
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Personal Finance Outstanding Judgement.
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Credit Management 
Decisions regarding how much credit to obtain to support your spending and which 
source of credit to use 
Plans for Investing 
Any funds beyond what you need to maintain liquidity should be invested. 
Estate Planning 
determining how your wealth will be distributed before or upon your death 
Effective financial plan can... 
enhance net worth and build wealth 
Financing focuses on... 
obtaining cash for large purchases or repaying loans 
Steps of Developing a Financial Plan 
1...
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PERSONAL FINANCE REMARKABLE DISCRIMINATION.
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According to Mila Baker, the concept of "financial regret" refers to: 
an expense that you wish you would not have made. 
Reassessing characteristics such as the quality, style, or newness of certain items (for 
example, a cell phone) may be necessary in order to: 
all answers 
Donald saves by depositing $1,000 at the beginning of each year into an account that 
earns 10%, compounded annually. How much interest does Donald's account earn 
during its third year? 
331 
We have spent a fair amou...
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Personal Finance Superior Sagacity.
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The widespread financial insecurity of Americans is probably because 
The savings rate of Americans is low and many borrow in order to spend more than 
they earn. 
Which of the following is not a factor in becoming money smart? 
Learn how to read your credit card statements. 
Which of the following is not a benefit of understanding your own money personality? 
Knowing your money personality allows you to excuse excessive spending because it is 
simply part of your nature. 
Why was the use of cre...
Teveel maand over aan het eind van je geld?
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Personal Finance Test Questions and Answers All Correct
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Personal Finance Test Questions and Answers All Correct 
Which will maximize the amount of interest earned on your money? - Answer-High interest rate and long period of time 
 
Compounding frequency refers to - Answer-how often your interest is calculated and added back into your account. The more frequently this happens, the more interest you will earn. 
 
Rule of 72 - Answer-an estimate used to find out how long it will take your money to double. All you need to know is your interest rate! 
 
...
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Personal Finance Exam Questions with Correct Answers
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Personal Finance Exam Questions with Correct Answers 
Which of the following best explains why students should learn about personal finance? 
- Answer-Learning to manage money at this stage can eliminate financial mistakes and promote huge financial benefits for the future. 
 
Key components of financial planning include all of the following except: - Answer-Allow your financial planner to make all of your major money decisions. 
 
Which of the following statements best describe how Americans ar...
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Personal Finance Chapter 4 Exam Questions with Correct Answers
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Personal Finance Chapter 4 Exam Questions with Correct Answers 
 
If a loan is not repaid, the	of the borrower—used as security for the debt—could be sold by the lender. - Answer-collateral 
 
A(n)	is a number that indicates the likelihood of someone repaying debt. - Answer-credit score 
 
A(n)	reports on a person's credit history. - Answer-credit bureau 
 
The amount of time you have to pay back a loan is called the	of the loan. - Answer-term 
 
When an item is worth less than what you owe...
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Personal Finance Chapter 2 Exam Questions with Correct Answers
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Personal Finance Chapter 2 Exam Questions with Correct Answers 
Money management refers to 
A. Preparing personal financial statements. B. Day-to-day financial activities. 
C. Trade-offs that occur with financial decisions. D. Storing financial records for easy access. 
E. Spending money on current living expenses. - Answer-b 
 
Which of the following is NOT a component of money management? 
A.	Storing personal financial records to document business transactions and legal matters. 
B.	Creating p...
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Personal Finance Ch 3 Exam Questions with Correct Answers
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Personal Finance Ch 3 Exam Questions with Correct Answers 
 
 
T or F: #1 reason for divorce is stress and disagreement over money - Answer-True 
 
T or F: The envelope system works great for managing spending on things that donʹt normally have a fixed monthly expense - Answer-True 
 
T or F: If you write a zero-based budget every month, it is not necessary to reconcile your account - Answer-False 
 
T or F: Budgeting is crucial to your financial success - Answer-True 
 
T or F: Writing and fol...
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