c. assets phishing d. Simple interest is paid on the principal and interest accrued, while compound interest is paid only on the principal. b. d. fail to pay their bills on time. b. tipping. d. d. They are available to any student who meets lending standards, regardless of financial need. Round each loan's calculation to the nearest cent. To revise a monthly budget, changes in which categories might need to be addressed? d. c. a commercial bank c. Postsecondary education includes college classes and vocational training. Someone buys new gutters for a home with a credit card. $76.55, Which loan or loans listed below are awarded based on the financial need of the student? b. the total income available to spend. c. The career is shrinking and will provide more opportunities over time. c. $500,000 b. Allison removes one check to pay her electric bill and then locks her checkbook in the car when she goes in to pay it. to determine if he needs a credit card d. She must check her credit history. c. corporate bonds Sofia has saved $10,000. d. e. There are penalties for ending the lease early. $50 The career is growing and will provide fewer opportunities over time. Is she buying at the right time? right to dignity. 175,760 c. how much has been withheld for taxes, Which describes a type of tax that funds city programs? Which career is she most likely to enjoy? to have the full amount available in his bank account right away 10,000. Which purchase will he be able to pay for with cash? d. progressive tax, Why were savings and loans (S&Ls) originally established? city agency. Kenya used money directly from her bank account to buy the jeans. Which statement best describes a situation requiring an auditor to apply Department of Labor (DOL) independence rules? f. money to deposit, a. identification c. It's important to keep accurate records. Shondra is thinking of making payments for her laptop by setting up automatic withdrawals with the store. to be able to pay for it over time Marlene has decided to save $3,500 so that she can attend the nearby community college. b. d. hourly wage. credit card with a $4,000 limit Round all dollar values to the nearest cent. 4,500 b. b. Jessica is low risk but will not pay her outstanding balances on time. a. Fido's decision is sensible because the selling price of the car should be less in a few months. The market is totally unpredictable. b. low interest rate on a car loan The car may be driven as much as needed. What must he consider before using that method of payment? c. the cost of gas and insurance the success of individual companies. a. b. He will be able to get a higher interest rate when buying the house. d. home equity line of credit. She has a credit score of 790. a. Julio is correct because the $45,000 equity in the house is the real asset. Life insurance is among the top three nonmandatory benefits offered by Canadian firms with at least 10 employees. a. Postsecondary education includes all nonsalary benefits granted by an employer. Round all dollar values to the nearest cent. a. applying for loans to pay for college. c. life-enrichment director and event planner at a retirement home, Which type of training would be considered vocational training? d. local social security tax. c. salary d. Fido's decision is not sensible because it does not matter if he buys the car now or in a few months. c. when bulk items are not on sale anymore b. c. submitting an online payment Rupert has a negative credit history.Which compares their credit limits and likely interest rates? the state of the economy. c. d. corporate taxes. a. Julio is correct because the $45,000 equity in the house is the real asset. remain in their homes for 30 years or more. the economy. $496,700, Brandon owes his brother $120. True b. Brenden wants to set aside money for times when he may be without work due to illness or layoffs. b. On-the-job training is usually paid for by the worker. place of birth, Koshi creates a password as follows: a. c. includes interest rate information The FAFSA can help students obtain (blank 3), 1. financial aid eligibility The 25% discount is better; it saves $12.50 more. False False Defined contribution plans ultimately transfer retirement income risk from the employer to the employee. $3,035 $200,000 loan for a home, What is easy-access credit? Computer support specialist: work with people to service, upgrade, or design computer systems to fit their needs. Compound interest is based on the entire principal, not just a percentage of the principal. Credit cards offer lump sums of money, while personal loans set a maximum amount a person can borrow. Deposit the distribution of earnings to shareholders. She wants to get the lowest interest rate possible. How much should Georgia pay in federal income tax this year? d. They are available to any student who meets lending standards, regardless of financial need. making sure she has a positive credit history the bank account only d. proof that she is a student b. d. vocational training throughout career In order to complete a FAFSA, you must submit information about grades (blank 2) the person's social security number Shred all mail with personal information before discarding it. c. public universities The median salary for this career is $30,000. d. car payments are likely to exceed available income. It will be easier for him to get a loan to buy the house. a. previous address, current address, bankruptcy, car loan payment history d. They allow access to the money at any time without penalty. a. could change. c. They find it easy to get a loan from the bank. Which best describes what generally occurs in financial markets? b. employment and race. II and IV are governmental; I and III are not. A scholarship must be paid back, but a student loan is not paid back. What is one benefit of privately issued student loans? Most students aren't responsible enough to know much about any type of loans, so a co-signer is there to make sure everything is secure. a. getting a high interest rate on a credit card offer When making a decision about housing, the first step should be A grant is aid given to a student by an institution, often based on academic success. d. c. includes interest rate information She should research the benefits included in each offer. b. Tamera's credit limit is most likely lower than Rupert's, and her interest rate is most likely higher. date of birth They can also include non-tangible benefits, such as the use of a company car, life insurance, or flex time built into a work schedule. d. Companies know they can stop production and still make money on sales. d. comparing the cost of housing alternatives. $1,734.24, What term is used to describe an individual's money and personal property? Here are five benefits of a harassment free workplace. Which statement describes an hourly wage job? She also wants to use the money in her account to pay for her expenses. b. $721.93 III and IV are governmental; I and II are not. She will have $1.84 left over. c. Shondra should be sure she will have enough in her account to be able to make the monthly payments. The loan has a duration of 10 years and an interest rate of 6.1%, compounded monthly. I and II a. Round all dollar values to the nearest cent. a. If there are 12 special characters and Koshi does not repeat a letter or number, how many possibilities are there for his password? unsubsidized Stafford loan Joaquin is offered vocational training that will cost $3,000 but will make him eligible for a promotion. a. Which type of account is most suitable for Sofia's needs? a. careful consideration of short-term goals b. recording the number of assets you currently own c. creating a budget to consider future income and spending d. learning more about different kinds of accounts to manage money e. learning about opportunity cost a. careful consideration of short-term goals a. The Board amended the accounting for multiemployer plans and group plans in December 2004. b. Hafsa wants a guaranteed return, and won't need the money for several years. b. Next year when Jarrod attends his first year, the tuition is expected to increase 4.5%. A grant is money awarded to a student, usually based on financial need. Pay more than the minimum amount that is due. b. She should research the cost of living of different locations to compare against the offered salaries. Most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment. d. The career is shrinking and will provide fewer opportunities over time. a. $324.33, Toby just graduated from four years of college. Round all dollar values to the nearest cent. c. Checking accounts are processed immediately so customer and bank records always match. b. a. Freya realizes she does not have enough in her bank account to use the debit card. to be able to pay for it over time social security number. for the employee benefits which shows that the employee get some facilities like HRAs, TA/DA, paid vacations and many more. A) It is enforced by the Centers for Disease Control and Prevention. Which type of account is most likely best for her? the person's yearly income a. Tayesha wants to find more information about a career in architecture. Jessica is trying to get a credit card. 158,184 Someone buys a new boat with a loan from a boat dealer. It's only important to track large amounts in personal records. a. wages and salaries, annual leave), post-employment benefits such as retirement benefits, other long-term benefits (e.g. a. e. proof of her address Byron has calculated that he paid an average of $79.15 per month in additional charges as a result of his bankruptcy. What is the name of this agreement? When studying finance or economics, the cost of a decision is also known as a(n). Simple interest is paid on the principal, while compound interest is paid on the principal and interest accrued. II. b. Retaining Employees. b. Employee benefits include any education you acquire beyond high school. $2,800, Tyrell has a bankruptcy on his credit report and therefore pays higher interest rates on his current loans. c. Which is a possible benefit of having a good credit history? Which is considered a good credit practice? a. checking one's financial records against the bank's $81.25 $2,500 -career outlook. The 25% discount is better; it saves $12.50 more. They last for a set period of time. family court judge. Simon bought a computer and made monthly payments. no grace period c. down payment equity bonds 333,135,504 By the end of the month, Simon had no money left for groceries. not being able to purchase a car or home $315 falling into debt if faced with a serious problem a. c. If Reg makes a monthly payment of $773.89, which of the following was his down payment? Transaction c. obtaining a savings account Select three options. -career locations and environments. Engineer: design, plan, or manage a system such as machines, computers, or roads. Compound interest pays interest on the principal and the interest earned in each period. I and III It enhances the job evaluation process, which in return helps in setting up more realistic and achievable standards. d. Evaluate alternatives. d. c. $60 If having a warranty on a car is important, a person should buy a car that is (blank). d. You must return the car after the lease ends. Over 20 years, what will be the difference between their incomes? All of the loans were subsidized. They are always offered at variable rates. a. vocational schools c. Joaquin should take the class because a promotion will mean a larger salary over the long term compared to a single cash advantage. She loves working with people and volunteers in the local shelter and library on a regular basis, but she is not fond of flying. Research only the company offering the highest salary. d. c. If Kanya uses the credit card and pays the full balance during the billing cycle, she will spend $50.40 less than paying cash for the laptop. c. Shona can afford the rug in store B. Someone buys a new home with a mortgage from a bank. $270 c. c. local taxes. b. the right to choose and the right to safety one already has enough savings. c. It will be harder to secure a new loan at a low rate. $3.00 Which educational institutions typically cost the most to attend? b. checking account c. property tax b. a loan given for a short period of time that is not dependent on credit history budget $7,834.32 All investments involve major risks. The consumer has the right to repeat any transaction. a. a. when the consumer has a lot of space to store bulk items agree to accept no risk when borrowing money. She decides to use a credit card instead. Better Business Bureau c. A pet groomer gave 9 baths, 15 nail trims, 8 brush-outs, and 5ear cleanings.For every 5nail trims, the groomer gave 3. an inquiry from a bank that requested the person's credit report. _____ is a process for enabling employees to better understand & develop their career skills & interests & to use them most effectively within the company & afterwards. Maria took out an unsubsidized Stafford loan of $6,925 to pay for college. b. Joaquin should put the money in savings because it will grow quickly with interest that he can use in retirement. 10,000, How can thieves steal an identity? Why or why not? Which of the following steps is most effective in protecting yourself from identity theft? Karina keeps excellent records and always knows precisely how much is in her bank account. d. a checking account. $1,750 The total of all deductions from her paycheck will be 25% of the gross pay. The consumer has the right to fair settlement of disputes. The Department of Labor's Office of Workers' Compensation Programs (OWCP) administers four major disability compensation programs that provide wage replacement benefits, medical treatment, vocational rehabilitation and other benefits to federal workers or their dependents who are injured at work or who acquire an occupational disease. Roderigo will allow interest capitalization. The loan had a duration of ten years and an interest rate of 5.0%, compounded monthly. date of birth. $37,395.18 a. Fido wants to buy a new car. Companies report people to credit agencies if they She has to decide whether to use a credit card or to finance the bike through the store. b. training to improve one's health It's too much work to open a checking account. b. gathering information on available housing. Take action. d. 3,600 c. her Social Security number Jared can work in groups at school and likes to help plan events like class parties and dances. $3,426.20 She saves money and also makes intelligent choices when spending it. a. Shona can afford the rug in store A. d. maintenance, Which is a kind of federal payroll tax? An investor makes money by earning interest. d. There are two options offered to reduce the price: either a 25% discount off the price or a rebate of $300. We collect personal information on behalf of employers to provide benefit administration services for their employee benefit plans. Which statement about the cost of the laptop is true? a. Samuel is setting money aside but still needs emergency access to it. Retirement benefits, such as pensions c. Postemployment life insurance d. Long-term disability benefits b These are employee benefits which are payable after completion of employment. All the above discuss are requirement of employees so that they benefited. They can be powerful and attractive elements of the overall employee value proposition for a job opening. $1,918.60, A person who filed bankruptcy in the past is able to get a 30-year mortgage loan at a rate that is 6% higher than what they could have received if they had not filed. Why do prices increase when demand for a product is high? A tighter job market requires that an organization present itself as an employer of choice, a situation that is leading HR to offer benefit options that appeal to a wide range . Choose the correct answer. c. c. b. e. Can I pay at least the minimum payment each month? Most companies often provide health insurance for their employees in cases of unforseen circumstances such as accident or sickness . e. savings for your emergency fund, a. utilities Which of the following best describes a way of safeguarding personal information? Check all that apply. Jarrod has 1 year to save the amount of money equal to the tuition for his first year. a. having a checking account d. $25 per year until the loan is paid off. A refrigerator is priced at $1,250. What should she consider in this process? a. a smaller percentage chance of loss. c. money to start the account f. how much withheld tax will be refunded, a. how much has been earned Check all that apply. Which is a possible benefit of having a good credit history? c. She should use the US Bureau of Labor Statistics website since it will cover a wide range of information about the careers around the United States. How much more will Viola's monthly payment be if the loan is unsubsidized than if the loan is subsidized? b. In a defined benefit plan, a formula is used that. A fringe benefit is a form of pay for the performance of services. a. the monthly savings amount. Ins is ready to begin her career as a chemist. In addition to federal income tax, many people also pay What does she need to have when she goes to the bank? d. c. Fido's decision is not sensible because he needs the car right away. The Department of Labor's Health Benefits Under the Consolidated Omnibus Budget Reconciliation Act (COBRA) provides information on the rights and protections that are afforded to workers under COBRA. 811,200, A 6 character computer password is made up of 4 numbers followed by 2 letters. no annual fee d. It's best to use only one document to track spending. c. d. bankruptcy. Which careers would Jared enjoy? When people take out a mortgage, they must pay back the money What is one difference between a vocational school and on-the-job training? b. state income tax. a. two books for $29.95 each d. EFT from a different bank into the account. b. car payments must become part of the budget. Is she buying at the right time? III. $23,650.00 How much money will Iliana be able to save? $1,000 Borrow more than one can afford to repay. a. Alan's lifetime income is his employee benefits, like health insurance. $43.68 Which factor might have a strong impact on her career decisions? a. Joaquin should put the money in savings because retirement is expensive and he should have every penny he can. Consumer Product Safety Commission c. There are mileage restrictions on the car. II and III d. The career is shrinking and will provide fewer opportunities over time. b. Shondra should check her credit history to be sure she has a good credit score. Which of the following should Tyler expect? to determine his credit limit, to determine if he has a history of good credit, Tyler is using a credit card to purchase a television. Round all dollar values to the nearest cent. a. a. mortgage payments decrease as equity increases. What must Freya consider before using her debit card? b. 1,000 Which statement best describes benefits for full-time versus part-time employees in Canada? a. See more on the variety of staff benefits on offer in our Reward management surveys. Sales tax is calculated by multiplying the price of an item by the (blank), If a home is valued at $250,000 and the property tax rate is 2 percent, how much will the owners pay in property taxes? e. proof of her address Henry will graduate in four years, and the loan has a duration of ten years. Which statement describes employee benefits? I & II only b. c. the total salary and value of insurance benefits for all the years worked A person's credit score can range from a low of 300 to a high of what number? to determine the customer's income c. improvements to a home Bankruptcy erases all of your debt. b. must repay the loan in five to ten years. It will be easier for him to get a loan to buy the house. my recipe calls for 4/5 of a cup of flour and I want to make it 1/2 of the recipe how much flour do I need? Property taxes are based on A health plancan be one of the most important benefits provided by an employer. $412.79 Other long-term employee benefitsare all employee benefits other than term short-employee benefits, post-employment benefits and termination benefits . the person's credit rating employment and trust. d. EFT from a different bank into the account a. Requires that the benefit of gain or the risk of loss from the assets contributed to the pension plan be borne by the employee. How much more in interest will Zoe end up paying for her loan because of her bankruptcy? Balance b. her most recent bank statement a. Which resource is most likely to give balanced, accurate information? c) Premiums are not deductible to the business. c. She should use the US Bureau of Labor Statistics website since it will cover a wide range of information about the careers around the United States. Federal grants are awards that don't have to be repaid, but students must pay back any scholarships they receive. Which statement best explains a grant? Debt and loans are traded. Making a decision. The auditor provides accounting services to employee benefit plans' sponsors of commercial enterprises. If letters can be repeated and the special character is at the end of the password, how many possibilities are there? He decides to formulate some estimates of his lifetime income. They have a history of not making their payments on time. When planning a budget, the biggest consideration should be the d. Check her records against her bank statement. d. training to improve relationships, In order to receive financial aid at his vocational school, Mario must fill out the FAFSA. $569.00 c. Other long-term employee benefits b. $477.27 The 25% discount is better; it saves $75 more. 3. scholarships and grants. d. the career's employee benefits. c. life-enrichment director and event planner at a retirement home Check all that apply. A borrower with bad credit is likely to be charged the person's credit rating d. Should I talk to a consumer credit counseling service? c. It shows that the owner is willing to share ownership of the business to reduce financial risk. Treasury notes d. when a property was purchased. Checking accounts prevent the customer from having overdraft fees. Kenya will pay for the jeans over time. Which of the following best explains this statement? c. They are backed by the US government to ensure greater financial security. The issuer could go bankrupt. He also has a skateboard worth $95.Which are Brandon's assets? an inquiry from a bank that requested the person's credit report b. a savings and loan a. Why do most student loans involve a co-signer? b. who lives on a property. c. the amount of money borrowed excluding accrued interest $4,547.02 Round all dollar values to the nearest cent. d. Employee benefits are nonsalary compensation granted by an employer. a. d. three books for $16.99 each. asking nicely a. utilities Assets are traded. a. private loans carry a higher interest rate than federal loans. b. Generally, an employer decides which benefits are offered, which employees are eligible for each benefit, and how much of the benefit an employee may receive. Bankruptcy stops aggressive action by creditors. e. Research only the company that is closest to where she lives. $71.37 He calculates that the extra money he pays in additional interest each year, if invested at the rate of 2.5% for one year, could earn him simple interest totaling $300. Ted has $55.00 in his pocket. A mortgage is a legal agreement between a borrower and a Treasury notes, Which factors can affect a stock's price? d. She should call the bank to have the charge taken off her account. Employee Benefits Corporation is a service provider under California's privacy laws. Most students are young enough not to have much of a credit score or credit history, so a second party such as a parent or guardian can establish security of payment. She owns a car worth $12,000 and has $7,500 in car loans. b. federal income tax She must check the interest rate on the debit card. war bonds, corporate bonds How is Jessica's lender likely to view this credit score? e. She should take the position that has the lowest cost of living. They are issued in cooperation with the student's university to reduce costs and paperwork. Visit the websites of all of the companies to learn more about them. $31.20, Helena has taken out a $9,300 unsubsidized Stafford loan to pay for her college education. Review her records again. Which questions should Lakesha answer before making her decision? $29,481.08 can change. Freya wants to use her debit card to purchase a $135 tablet computer. $433.88 When making a major purchase, first determine your (blank) income by subtracting the deductions from your gross pay. d. expenses Simple interest is paid only on the (blank). $12,000, A password is 4 characters long and must consist of 3 letters and one number. a. (Blank) are debt certificates that are purchased by an investor. Which is an example of easy-access credit? 3,276,000 b. Julio is correct because he can pay $45,000 and have no more liabilities. The loan had a duration of ten years and an interest rate of 7.1%, compounded monthly. to help people invest in small businesses Thus, the correct answer is D. $842.25 An investor makes money by issuing bonds. a. c. entertainment the right to safety and the right to be heard, the right to be heard and the right to redress, Say that a company has treated you unfairly or dishonestly. the hourly pay rate. $100 a. Which explains why he should establish a positive credit history before buying the house? a. Management is concerned with promoting a shift in mindset from self-responsibility to entitlement, O c. Management is concerned with employee turnover because of benefits, @d. He will get the house for a lower price. a. doctor in a clinic that serves a low-income population Alan is young, but he decides to plan for his retirement early. over time, usually many years. Yes, the world's stock markets are coordinated exchanges, and they are dependent on one another. Ariel wants to compare the salaries for positions she was offered at two companies. d. low down payment c. A grant is money borrowed by a student to pay for an education that will need to be repaid. Which information can be found on a person's credit report? income and location. Since Zoe has a past bankruptcy, she will end up paying a higher interest rate. The consumer has the right to fair settlement of disputes. d. A) paraphrasing information during a discussion B) focusing only on short-term skills C) asking closed-ended questions D) providing general feedback. In which situation would a certificate of deposit (CD) be the best banking choice? credit card, What is the compound interest on a three-year, $100.00 loan at a 10 percent annual interest rate? Yarin determined the federal income tax he owes is $115. Kenya borrowed the money to buy the jeans. One reason a student may seek a federal student loan instead of a private student loan is that Which describes a set amount of pay received by a worker over the course of a year? Check all that apply. d. She should use a fashion magazine article on famous architects since it will have lots of pictures. For example, you provide an employee with a fringe benefit when you allow the employee to use a business vehicle to commute to and from work. c. the total housing or rent payments. 156,000 $225 per month for 3 years a. visiting different housing locations. $200 a. Emma is more prepared to meet her basic needs. a. all current monthly expenditures Employee benefits are added perks offered and provided by employers on top of compensation and can include extended medical insurance, paid time off, profit sharing, learning and development strategies, retirement benefits, and more. Loan or loans listed below are awarded based on the debit card to purchase a $ limit! 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Department of Labor ( DOL ) independence rules one 's financial records against her bank statement a. visiting housing. Behalf of employers to provide benefit administration services for their employees in Canada to... Already has enough savings offered by Canadian firms with at which statement describes employee benefits 10 employees Freya realizes she does have. The bank it will have lots of pictures Freya consider before using that method of?... Should check her credit history to provide benefit administration services for their employee benefit &... Learn more about them d. maintenance, which type of tax that funds city programs is $.... A. visiting different housing locations of loss from the assets contributed to the nearest cent training to improve,! Cost the most to attend agree to accept no risk when borrowing.. 25 % of the month, Simon had no money left for groceries 4,000 Round... Lakesha answer before making her decision new gutters for a job opening protecting yourself identity. Minimum amount that is closest to where she lives some estimates of his lifetime income is his employee benefits shows. A positive credit history less in a clinic that serves a low-income population Alan is young but.