Money, Introduction to Finance Test - MoneyPower

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1 Money, Introduction to Finance Test - MoneyPower Multiple Choice Identify the choice that best completes the statement or answers the question. 1. Which of the following does the Federal Reserve use to regulate the nation s money supply? a. Fiscal policy c. Monetary policy b. Proposing legislation d. Regulations 2. Money for saving, investing, or spending cannot be from: a. An inheritance from someone who has died b. Discretionary income or a gift of money c. Capital gains from a sale of stock d. Capital losses from the sale of stock 3. Which statement best describes the relationship between a person s educational level and that person s potential earning power? a. Education has no effect on a person s potential earning power b. A person with a professional degree is likely to earn at least four times as much per year as a person who did not complete high school c. Attaining a higher educational level affects the earning potential only for people over 40 years old d. Attaining a higher educational level decreases potential earning power 4. The denominations of coins in the United States are: a. $.01, $.05, $.10, $.25, $.50, and $1.00 b. $.01, $.30, $.50, and $5.00 c. $.05, $.10, $.50, $.75, and $10.00 d. Coins can be in any denomination a consumer desires 5. A high school student has begun to investigate the field of finance as a career choice. In deciding about the field, the student should focus on which question first? a. Will I find a balance between financial rewards and personal satisfaction from work? b. How many people do I know who work in this field? c. Once I train for this area, how long before I will be at the top of the field? d. Are there people in this field who are dissatisfied with their jobs? 6. Purchases made with your debit card are usually: a. Deducted immediately from your checking account b. Deducted from your credit card balance c. Added to your credit card balance d. Put on your credit card bill as a cash advance

2 7. Money in the United States includes: a. Gold b. Checking account balances on which checks can be drawn c. Barter d. Diamonds 8. Which of the following provides an increase in assets or wealth? a. Volunteering at a hospital b. Taking out a loan c. Having capital gains d. Running in the marathon 9. The primary sources of income for most people between the ages of 20 and 35 who are not living on a pension or social security are: a. Profits from business b. Dividends and interest c. Rents d. Salaries, wages, and tips 10. Which of the following is a disadvantage of using phone cards, debit cards, electronic transfers, and ATM cards? a. Consumers can make purchases without of writing check b. They expose consumers to greater likelihood of identity theft c. They slow down the economy's recovery d. They decrease availability of currency in the economy 11. Nora needed to make a long-distance call from a pay phone and did not have the cash. She was able to make the call by using her: a. Credit card c. Cash card b. Identification card d. Traveler s check 12. Identify the background color of a U.S. $5.00 bill. a. Orange c. Green b. Blue d. Yellow 13. Which of the following statements is usually true about individuals who are financially literate? a. They have high debt and low savings. b. They understand the basics of personal finance and money management. c. They almost always choose stocks and bonds that increase in value. d. They achieve all of their financial goals.

3 14. The common name for U.S. currency is: a. Orange backs c. Green backs b. Blue backs d. Yellow backs 15. Jami lost her debit card. She did not report it missing for 3 months. If an unauthorized person used her debit card, her maximum liability is: a. $50 b. $500 c. Unlimited liability d. No liability because she notified the financial institution 16. Scott just got an ATM card to use and must choose a PIN (Personal Identification Number). How should he select a PIN that will give him maximum protection against anyone else being able to find out what the PIN is? a. Use his birth date as his personal identification number b. Use a random selection of letters and numbers c. Use his first initial and last name as his personal identification number d. Use the name of a friend, family member, or pet 17. New coins and currency make their way into the general economy, consumers and businesses, through the distribution system of the: a. Treasurer of the United States b. Secretary of the Department of Treasury c. Federal Reserve System d. U. S. Federal Mint 18. When money is not used and goods and services are exchanged for other goods and services, this system is called: a. Credit c. Barter b. Money d. Checks 19. To make sure you will always remember your automated teller machine (ATM) card personal identification number (PIN), you should write the PIN and keep it: a. In your wallet c. On your ATM card b. In your checkbook d. In a secure place at home 20. Which statement is FALSE about most ATM (Automated Teller Machine) cards? a. You must have an account with a financial institution to have an ATM card. b. You can always get cash anywhere in the world with no fee. c. You can generally obtain information concerning your account balance(s) at an ATM machine. d. You can generally get cash 24 hours a day, seven days a week. 21. A type of electronic funds transfer (EFT) is: a. A transaction made with a check c. Not widely used by consumers b. A deposit made with a bank teller d. An ATM transaction

4 22. Susan gives Marie her ABC Credit Union debit card and personal identification number (PIN) so Marie could get $25 from Susan's bank account. Marie withdrew $100 instead of the agreed to $25. How can Susan get the $75 back? a. Demand the ABC Credit Union reimburse her for Marie's unauthorized transaction b. File a complaint with the Federal Reserve Board to reimburse her for Marie's unauthorized transaction c. Demand that the bank where Marie has her checking account reimburse her for Marie's unauthorized transaction d. No bank or government agency is obligated to reimburse Susan because she authorized Marie to use her ATM card and PIN 23. A cash card generally: a. Can be used in the same way that someone uses a check to pay bills by mail b. Is purchased with a specific amount of money that can be used to pay for goods or services c. Is the same as a credit card which means you can use it to pay the minimum on a bill d. Is the same as a debit card and is always linked to a specific checking account

5 Money, Introduction to Finance Test - MoneyPower Answer Section MULTIPLE CHOICE 1. ANS: C The Federal Reserve uses monetary policy to regulate the nation's money supply. Monetary policy is directed at expanding or contracting the supply of money and credit in the U.S. economy. In theory, if there is too little money in circulation, consumers will spend less, interest rates will be high, and unemployment will rise. In this situation, the Fed can deliberately increase the amount of money in circulation, leading to lower interest rates, increases in consumer spending, and higher employment rates. If there is too much money in circulation, however, prices rise and the value of the dollar decreases (inflation). 2. ANS: D A job-holder receives money in the form of a salary or wage. Sometimes people receive a gift of money gift. Money and other items received from the estate of a person who died is called an inheritance. Money could also come from a capital gain on an investment that is sold. If someone buys a stock at $40 a share and sells it at $25 per share, the $15 per share drop is considered a "capital loss" and therefore is money that no longer exists to be spent 3. ANS: B There is a direct relationship between educational level and potential earning power. A person with a professional degree, for example, is likely to earn at least four times as much per year as a person who never completed high school. 4. ANS: A The denominations of coins in the United States are $.01 (penny), $.05 (nickel), $.10 (dime), $.25 (quarter), $.50 (half-dollar) and $1.00 (dollar). Higher denominations of legal tender are in paper currency. At times, the US Mint does issue special coins of additional denominations. 5. ANS: A It is important to investigate a career with the idea of not only getting a sense of earning potential, types of positions available and the training necessary to acquire these positions but what are the chances that the individual will enjoy working in this field. 6. ANS: A

6 Debit card purchases are immediately deducted from your checking account balance while credit card purchases are added to your credit card balance. You have about 20 days after receiving a credit card bill to pay it without being charged interest. Through the use of a credit card, you get use of goods or services before they are paid for. 7. ANS: B The total amount of money in the United States, termed the money supply, consists of coins, paper currency, checking account balances on which checks can be drawn, savings deposits, and time deposits such as CDs and money market funds. This measure of money, known as M2, is followed by the Federal Reserve as a key indicator of economic well-being. 8. ANS: C Volunteering and running in a marathon are examples of giving one's time for a good cause. Taking out a loan creates debt not wealth. Capital gains are the profits from selling an investment product and will add to financial assets. 9. ANS: D The primary sources of income for most people between the ages of 20 and 35 are salaries, wages, and tips from their employment, also known as earned income. Earned income is also the primary source of income for most other age groups. Very few people have sufficient unearned income - dividends, interest, rents, or profits - to live on without holding a job or running a business. 10. ANS: B The growing number of transactions that can be carried out without cash increases convenience for consumers who have credit cards, phone cards, debit cards, etc., but also exposes consumers to greater likelihood of fraud and/or identity theft. 11. ANS: C Consumers purchase cash cards for a specific amount of money. The amount paid is stored in the card's memory, and the card can be used to pay for goods or services specific to a particular store or action until the amount stored, or "loaded" on the card, has been spent. The type of cash card Nora used is called a phone card. Some retail chain stores sell cash cards which can be used to pay for their products. Cash cards are either disposable or re-loadable. Disposable cash cards cannot be replenished (loaded again). With re-loadable cash cards, the consumer can return to the merchant and pay to have the balance on the card replenished. 12. ANS: C The background color of all United States paper currency (bills) is green.

7 13. ANS: B Financial literacy is knowledge of facts, concepts, and technological tools that are basic to being smart about money. People who are not financially literate are more likely to fall prey to consumer scams, have excessive consumer debt, and spend their money without a spending plan. Ultimately, they may end up in serious financial trouble. 14. ANS: C The background color of all United States currency (bills) is primarily green. 15. ANS: C According to the Electronic Fund Transfer Act, if a consumer reports the theft or loss of an ATM or debit card to the issuing financial institution within two business days, he/she is liable for not more than $50 of unauthorized purchases. If reported within 60 days, the consumer is liable for up to $500 of unauthorized purchases. If reported after 60 days or not reported, the consumer may be liable for the entire amount of unauthorized purchases. 16. ANS: B A PIN (personal identification number) is a secret code that protects the privacy of your accounts and allows only you to access them. The numbers should not be composed of numbers easily associated with the person choosing the PIN such as birth date, telephone number, or street number address. It should be a random series of numbers and letters that would be hard for unauthorized users to guess. Also, never write your PIN on your ATM or debit card or in your check book because then a thief would use your confidential information needed to make purchases or withdraw all the money out of your account. 17. ANS: C The U.S. Federal Mint, which is an operating bureau of the Department of the Treasury, makes new coins. The U.S. Bureau of Engraving and Printing prints new currency. The coins and currency are sent to the Federal Reserve Banks, which distribute it as needed. Most new coins and currency replace damaged or worn out coins and currency being taken out of circulation. 18. ANS: C

8 Bartering means exchanging goods and services with another person and makes it possible to satisfy needs and wants without spending money. Bartering cannot be used for many transactions including the purchase of investments or insurance. 19. ANS: D You should never write any PIN on something that might be stolen. Write your PIN down and keep it in a secure place in your home. 20. ANS: B You must have a bank account to have an ATM card because the ATM card is used to electronically make deposits into, withdrawals from, or get information concerning your bank balance at an ATM 24 hours a day, seven days a week. If you use an ATM that is not in your bank s ATM network, you will likely be charged a fee by the network that owns that ATM. In addition, your own bank may add a fee to your monthly statement for using an ATM outside their ATM network. 21. ANS: D According to the Electronic Funds Transfer Act, Electronic funds transfers (EFTs) are any transfers of funds, other than a transaction originated by check, draft, or other paper instrument, initiated through electronic terminal, telephone, or computer, to authorize a financial institution to debit or credit an account. EFT's can be used to carry out many financial transactions, for example, to pay utility bills, make installment loan payments, and transfer funds from a savings account to a checking account or vice versa. 22. ANS: D The fact that Susan voluntarily gave Marie her EFT card and PIN means that Marie's withdrawal is considered an authorized transaction under the Electronic Fund Transfer Act. Thus, no financial institution or government agency is obligated to reimburse Susan or force Marie to give back the extra money. Susan's only recourse is to try to get Marie to give back the extra $75 or sue Marie for the money in the small claims court. 23. ANS: B Consumers purchase cash cards for a specific amount of money. The amount paid is stored in the card's memory, and the card can be used to pay for goods or services specific to a particular store or action until the amount stored, or "loaded" on the card, has been spent. Some retail chain stores sell cash cards which can be used to pay for their products. Cash cards are either disposable or reloadable. Disposable cash cards cannot be replenished (loaded again). With re-loadable cash cards, the consumer can return to the merchant and pay to have the balance on the card replenished.

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