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1. Bob wants to buy Jack's house, and after negotiating with the mortgagee, Bob accepts the terms of Jack's mortgage. This is an example of _____________________. A assumption of . mortgage B renewal of . mortgage C change of mortgage . D shared-equity . mortgage E new title mortgage . 1 points QUESTION 2 1. Gender discrimination in credit practices is illegal because of which of the following laws/rules? A Credit Practices Rule . B Fair Credit Reporting Act . C Fair Credit Billing Act . D Equal Credit Opportunity . Act E Fair Debt Collection . Practices Act 1 points QUESTION 3 1. Money market funds 1. Are used by the investment company to purchase other securities 2. Pay a rate of interest that fluctuates with the overall market rate of interest. 3. Usually pay higher rates than passbook savings account. 4. Are offered only by brokerage firms. A 1 and 3 only . B 2 and 3 only . C 4 only . D 1, 2 and 3 . only E 2, 3 and 4 . only. 1 points QUESTION 4 1. By being aware of inflation and adjusting your budget accordingly, you can accommodate inflation's effects. True False 1 points QUESTION 5 1. Which of the following can be included in an automobile insurance policy? 1. Bodily injury liability 2. Property damage liability 3. Medical payments 4. Collision 5. Uninsured motorists A 1, 4 and 5 only . B 2, 4 and 5 only . C 2, 3 and 5 only . D None of the . above. E All of the . above. 1 points QUESTION 6 1. The Credit Practices Rule prohibits creditors from including provisions that require you to use certain household and uniquely personal items that are valuable to you but not to the creditor as collateral. True False 1 points QUESTION 7 1. Preparing a budget requires a budget requires examining family goals and values. True False 1 points QUESTION 8 1. Credit unions are state or federally licensed organizations that make fairly competitive loans for a variety of consumer goods. True False 1 points QUESTION 9 1. Health maintenance organizations promote preventive medicine and health care; therefore, HMOs are more costly than the traditional kinds of health insurance. True False 1 points QUESTION 10 1. Mutual funds offer small investors a convenient method to diversify their investments. True False 1 points QUESTION 11 1. The final step of budgeting is to compare actual expenditures with anticipated expenditures. True False 1 points QUESTION 12 1. The Social Security Administration states that, under current operation practices, money reserves that partially support Old Age & Survivors Insurance and Disability Insurance will be depleted by: A 204 . 1 B 210 . 0 C 202 . 5 D 202 . 0 E 205 . 0 1 points QUESTION 13 1. When installment debt is in excess of 15 to 20 percent of take-home pay, there is a problem. True False 1 points QUESTION 14 1. One point (a one-time fee on a mortgage) is equal to: A 10 percent of the loan . B 1/10 of a percent of the . loan C 5 percent of the loan . D 1 percent of the loan . E 3 percent of the loan . 1 points QUESTION 15 1. Bankruptcy is often called the _____ year mistake. A 1 . 0 B 9 . C 7 . D 8 . E 6 . 1 points QUESTION 16 1. Which of the following is a type of bond that is fairly common in Europe, but not as popular in the United States? A Callable bonds . B Serial bonds . C Sinking-fund bonds . D Income bonds . E Perpetual or long-term . bonds 1 points QUESTION 17 1. As a rule of thumb, first-time home buyers should not pay more than ______ times their annual income. A 4 . B 4. . 5 C 2. . 5 D 2 . E 3 . 1 points QUESTION 18 1. Non-liquid assets are resources that can be converted quickly to cash. True False 1 points QUESTION 19 1. By law, the total cost of borrowing includes which of the following? A All finance charges and fees that have to be paid to obtain the loan or . buy the item on credit. B . C . D . E . The APR stated in daily increments Points paid in advance Interest and service charges The amount of the loan 1 points QUESTION 20 1. Which of the following is the primary liability of most families? A Mortgage on the house . B Taxes owed . C Balance to be paid on installment . credit cards D Tuition for the children's education . E Investment in mutual funds . 1 points QUESTION 21 1. The Truth-in-Lending Act requires the creditor to specify the ______________. A annual percentage rate (APR) . B Annual percentage rate (APR) and total finance charges and other . terms of loans they make. C effective annual rate (EAR) and total finance charges . D effective annual rate (EAR) and annual percentage rate (APR) . E total finance charges . 1 points QUESTION 22 1. The envelope method is the only and the best way to keep financial records. True False 1 points QUESTION 23 1. Which is not a principle of sound insurance? 1. Probability 2. Indemnity must not exceed loss 3. The event insured against must be determinable 4. The insured must incur loss 5. The event insured against must be uncertain. A 1 and 5 only . B 2, 3 and 4 . only C 1, 3 and 5 . only D 1, 3, 4 and 5 . only E All are . principles 1 points QUESTION 24 1. Foreclosure losses could be prevented by the creation of which of the following? A A prepayment . penalty B Insurance fund . C Blends . D Points . E A post-payment . penalty 1 points QUESTION 25 1. The money invested in a mutual fund is insured against loss by the federal government. True False 1 points QUESTION 26 1. The creditor holds the title to goods or home purchased until the debt is paid. This is called a _________________________. A Title of goods . B Garnishment . C Mechanic's . lien D Chattel . mortgage E Debenture . 1 points QUESTION 27 1. Bankruptcy law has been around since the ______________. A 1500 . s B 1600 . s C 1700 . s D 1800 . s E 1900 . s 1 points QUESTION 28 1. No-fault insurance is a form of insurance that pays the claims of the injured after determining who is responsible for the accident. True False 1 points QUESTION 29 1. Which of the following is a method of home ownership whereby the purchaser owns a living unit he or she occupies and holds common ownership with other unit owners of the common areas and facilities? A Ownership . community B Lend-lease . community C Cooperative . D Condominium . E Planned . community 1 points QUESTION 30 1. A budget is not useful for a college student. True False 1 points QUESTION 31 1. Adjustments for increases and decreases in family size are harder to make when a family operates on a budget. True False 1 points QUESTION 32 1. What is the primary objective of a growth fund? A Safety of principal . B Tax shelter . C Income . D Income through dividends and . growth E Stable interest . 1 points QUESTION 33 1. The ________________ completes the computations of risks and develops ____________ rates and ____________________ can be promised after computations are completed. A actuary, premium, indemnity . B actuary, reimbursement, . beneficiary C insured, premium, . reimbursement D beneficiary, indemnity, . premium E premium, reimbursement, . actuary 1 points QUESTION 34 1. Pawnbrokers are illegal lenders. True False 1 points QUESTION 35 1. Which of the following is not a step you should take if you are the victim of identity theft? A Contact all three credit bureaus . B Contact all credit companies and . your bank C Contact the FDA . D File a complaint with the FTC . E File a police report . 1 points QUESTION 36 1. A person's credit score can vary because the three bureaus have traditionally used differing means of calculating the score. True False 1 points QUESTION 37 1. An amount the buyer pays to the lending institution for the privilege of paying off a mortgage loan before it is due is a: A Prepayment . penalty B Sinking fund . penalty C Margin penalty . D Convertible . penalty E Settlement . penalty 1 points QUESTION 38 1. A two-point charge on a $80,000 loan means that _______________ will deducted in advance, leaving the borrower _________________. A $20, $79,980 . B $2,000, . $78,000 C $1,600, . $78,400 D $200, . $79,800 E $1,600, . $81,600 1 points QUESTION 39 1. Real estate can be a good investment tool for knowledgeable investors. True False 1 points QUESTION 40 1. An adjustable rate mortgage is one that has a specified rate of interest for a specified number of years. True False 1 points QUESTION 41 1. A budget provides peace of mind. True False 1 points QUESTION 42 1. Identity theft is one of the fastest growing white collar crimes in the United States. True False 1 points QUESTION 43 1. Speculation has the goal of spending money to accumulate financial assets with safety as an important concern. True False 1 points QUESTION 44 1. Debt consolidations are often very dangerous for consumers and are prohibited in various states. True False 1 points QUESTION 45 1. Chapter 13 bankruptcy is also known as _____________________. A the big mistake . B the dismissal . plan C the organization . plan D the income plan . E the wage earner . plan 1 points QUESTION 46 1. Diversification is the ability to readily exchange as asset for money at whatever price may be attainable. True False 1 points QUESTION 47 1. ______________________ is the oldest form of health care coverage and is perhaps the most important protection. A Hospital-expense insurance . B Term life insurance . C Major medical expense . insurance D Disability-income insurance . E Whole life insurance . 1 points QUESTION 48 1. The Dow Jones Industrial Average is an average of stock prices of which of the following? A Fortune 500 companies . B 100 large industrial companies . C 30 large industrial companies . D The top 30 of Fortune 500 . companies E 50 large industrial companies . 1 points QUESTION 49 1. A term life insurance policy is insurance 1. against a state risk 2. only for 6 months 3. for as long as the policyholder lives 4. that insures a person's life only for a state period of time. A 1 only . B 4 only . C 1 and 4 only . D 1 and 3 only . E All of the . above 1 points QUESTION 50 1. A finance company is a state-licensed company that makes installment cash loans to customers. True False