When it comes to debt, consumers can use guidance from

		people who have filed bankruptcy
		third world countries; they have no debt
		from the business world
		hard money lenders

You want to put an extremely aggressive investment in your child's portfolio and you want to give the portfolio to your child when she reaches the age of majority. What is the best choice?

	A.	UGMA
	B.	UTMA
	C.	529 Plan
	D.	Coverdell Scholarship

You just obtained a client. This client owns several properties and spends their time managing the properties. Their net worth is over 7 figures. The client has minimal funds in his bank account. After meeting with the client and listening to his concerns you tell the client

	A.	you have concerns about his tax planning
	B.	you have concerns about his liquidity
	C.	you have concerns about his retirement strategies
	D.	you have concerns about his long term care planning

In buying property casualty insurance

1. insure against significant risks and bear small risks
2. compare rates before making a commitment
3. increase risks through preventative measures
4. review coverage periodically

	A.	All the statements are correct
	B.	Only IV is correct
	C.	I II and IV
	D.	II, III and IV are correct
	E.	III and IV