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balancing daily life everfi quizlet

(correct answer). John has found an apartment he really likes, but he can only afford about 60% of the monthly rent. • It can impact how much you will have to pay the government in taxes. Keys To Your Future is a career and college readiness program to help educators prepare high school students for a variety of post-secondary options and the workforce. • Low APR • Low annual fees • Lots of credit card rewards • A large credit limit, Which payment method typically charges the highest interest rates? Start studying The Daily Life. Daily life in Mexico varies dramatically according to socioeconomic level, gender, ethnicity and racial perceptions, regional characteristics, rural-versus-urban differences, and other social and cultural factors. • Review your recent credit card statements. • Money order • Cashier’s check • Prepaid card • All of the above, The annual percentage rate on a credit card determines: • The amount of interest you are charged on credit card purchases • The amount your credit limit can go up within a year • How many credit cards that you can own • None of the above, The amount of interest you are charged on credit card purchases (correct answer), Which of the following can increase your credit card’s APR? • You inquire about a credit card charge. What is the best housing option for John? Interest is – a charge for lending money to a bank – the amount owed for borrowing money – the amount added into your savings when opening a bank account – a charge for the convenience of accessing money stored in your bank account, Which of the following is a type of savings vehicle? Hang up and call back using the bank’s official phone number. Consumer protection laws are meant to: • Protect consumers from spending too much money. Achieving balance in your life starts with your personal choice and decision to change the way you live your life. • The interest rates on federal loans and private loans are similar. EVERFI's Social Impact Index offers courses in topic areas that address 12 of the most important life skills to drive an ecosystem of change in life and What is the best strategy to avoid paying interest on your credit cards? Which of the following actions would enable him to earn MORE interest? C. Account 3: Interest rate 2%, interest compounded monthly. • Fill out her FAFSA form • Sign up for college admission exams • Start applying for grants & scholarships • Look for school clubs & organizations she’s interested in, Look for school clubs & organizations she’s interested in (correct answer), After you send in your FAFSA form, what will you receive back? • Stocks are a more reliable investment; bonds tend to be more volatile. Prevent unfair or deceptive business practices. a year ago. EVERFI empowers educators to bring real-world learning into the classroom and equip students with the skills they need for success–now and in the future. Copy and Edit. Which of the following statements comparing debit cards to credit cards is TRUE? • the investment is undervalued and may increase over time. – Selecting an account with a high interest rate. When it comes to investing, what is the typical relationship between risk and return? It requires your attitude and discipline to make it happen. EVERFI empowers educators to bring real-world learning into the classroom and equip students with the skills they need for success – now and in the future. Daily life and social customs. • You forgot to pay the cable bill. Because they have no overhead or buildings, they can offer better rates to customers. • The insurance costs for a leased car are higher. (correct answer). • Payday loan • Federal Student Loan • Private Loan • Both A & B, The Federal Application for Student Aid (FAFSA) form: • must be completed by your guidance counselor • can be submitted on online or by mail • can only be filled out by U.S. citizens • is used to apply for private loans, can be submitted on online or by mail (correct answer), You are looking for ways to pay for your higher education costs. We recommend you search for your questions here and if by chance you cannot find the answer you are looking for, just comment below and we will get an answer for you within 24 hours. • Supervising the Reserve banks • Establishing the federal budget • Maintaining a stable banking system • Setting the nation’s monetary policy, The three parts of the Federal Reserve System are the Reserve Banks, the Federal Open Market Committee (FOMC), and the: • Board of Governors • United States Mint • Department of the Treasury • Secretary of State, Which type of account is typically the MOST liquid? What’s the best transportation option for Jim? (correct answer), Which action is LEAST important to maintaining a healthy credit score? • greater; lower • greater; higher • less; lower • less; higher. Learn vocabulary, terms, and more with flashcards, games, and other study tools. These loans generally must be repaid on the next payday and have very high interest rates, A check bought from a bank with payment guaranteed by the bank that it will not bounce, A measure of an individual's credit risk; calculated from a credit report using a standardized formula, organizations that supply information about consumers' credit history, occurs when someone runs a background check on your credit, does not affect your credit score, occurs when someone checks your credit history to make a lending decision, it affects your credit score. • Both A & B, The best way to ensure the accuracy and safety of your accounts is to: • Monitor your online accounts regularly • Shred your paper account statements weekly • Balance your checkbook annually • Call your customer service center daily, Which of the following represent typical account fees? • Review all old bank statements. The interest rate on your loan will be fixed over time. • You have health insurance with a $500 deductible. Keys to your future everfi lesson 1 my life goals answers Keys to your future everfi lesson 1 my life goals answers • A portfolio made up of 70% mutual funds, 10% stocks, and 20% Treasury bonds. • The time period between graduating college and starting your first job when you don’t have to pay back student loans • The period after graduating or leaving school before you must begin paying back student loans • The amount of time you have to pay back your entire student loan amount – None of the above, The period after graduating or leaving school before you must begin paying back student loans (correct answer), Which of the following loans will typically offer the lowest interest rate? • Keep most of your savings in your checking account • Put aside money for savings each month • Choose the savings account with the lowest interest rate • Putting anything you can’t afford on your credit card, Which of the following is a unique feature of credit unions? It helps you to balance your risk across different types of investments (correct answer). – Both A & B, You are opening a savings account that earns compound interest. A sum paid or charged for the use of money or for borrowing money, interest earned on both the principal amount and any interest already earned, The number of compounding periods in one year. a certificate issued by a bank to a person depositing money for a specified length of time. Which action will be least helpful if you’ve been the victim of identity theft? YOUR INSURANCE PLAN: Premium = $300/month; Deductible = $500 • $200 • $300 • $500 • $800. (correct answer). Learn vocabulary, terms, and more with flashcards, games, and other study tools. – Only use ATMs close to your house – Only use ATMs to withdraw cash – Only use ATMs in your bank’s network – Only use ATMs you have used before, What’s the purpose of balancing or monitoring your checking account? Learn ways to set priorities on the things that matter most and to say "no" to the things that matter least. Determining your priorities is a bit of a balancing act in and of itself, but the key is to constantly evaluate your use of time. • Debit cards charge higher interest rates on purchases than credit cards. Quickly memorize the terms, phrases and much more. • Debit cards allow you to draw funds directly from your checking account. • Discard old account statements weekly. • Ordering your latest credit report. • Buying a home requires less money upfront. • It can impact your ability to be approved for bank loans. Repairs IV. Account 2: Interest rate 1%, interest compounded daily. Which of the following is the BEST way to protect against identity theft? • Change online account passwords frequently. • Savings vehicles are only useful for long-‐term investments • People should evaluate different forms of savings vehicles based on their needs • Savings vehicles are never insured • All of the above, People should evaluate different forms of savings vehicles based on their needs, Which of the following accounts will give you the LEAST access to your money? One reason to buy a home instead of rent a home is: • Homes have the potential to appreciate in value over time. It can impact your ability to be approved for bank loans. (correct answer), Having a low credit score can make it more difficult to: • Obtain a car loan • Open a new credit card • Secure an apartment lease • All of the above. • the investment is high‐risk, and will its price will increase quickly. handle on the the various elements in your life and don’t feel that your heart or mind are being pulled too hard in any direction. • Credit scores range from the low 300’s to the mid 800’s. balance clouds Being A Know It All Perfection, Divine. Which of the following actions has NO impact on your credit score? Save. Which of the following options will require you to pay back any money you receive? Learn everfi answers with free interactive flashcards. • You opened several new credit cards last week. Quotes from Powerful Women on Work-Life Balance . • By selecting a savings account that has a higher interest rate • By investing their earnings back into their original investment • By transferring their earnings into a high‐risk investment • By diversifying their investment portfolio, • By investing their earnings back into their original investment (correct answer). • Verified trusted sources that need it. • A type of rent used to pay for housing • A type of loan used to buy property • A measure of the value of a home • A measure of your credit rating, A type of loan used to buy property (correct answer), A _________ is generally considered an appreciating asset because it will _________ in value over time. A. He has a short commute to work, so he won’t be putting many miles on his vehicle. • You send in your credit card payment a couple days late. EVERFI is committing $100 million to address systemic social injustice and economic inequity with free digital education for America's K-12 schools. Start studying econ everfi. • lower; easier • higher; harder • lower; harder • higher; easier. If you don't see any interesting for you, use our search form on bottom ↓ . Availability of resources to meet short-term cash requirements. The good news is that you can get closer to balance in your life with 7 very simple daily habits: 1. The country's central banking system, which is responsible for the nation's monetary policy by regulating the supply of money and interest rates, 12 regional reserve banks, federal open market committee, board of governors, Federal Reserve committee that makes key decisions about interest rates and the growth of the United States money supply. Which of the following actions can NEGATIVELY impact your credit score? Homes have the potential to appreciate in value over time. • You can only get federal student loans if you demonstrate financial need. (correct answer), When you buy a ____ , you are loaning money to an organization. • Each person has three credit scores. (correct answer), You have an insurance policy with the terms listed below. • The interest rate on your loan will be fixed over time. Change online account passwords frequently. You have health insurance with a $500 deductible. • Simple savings account • Certificate of Deposit (CD) • Checking account • All of the above, Which of the following is generally true about savings vehicles? (correct answer), The return on investment (ROI) from education is typically the highest for: • A high school graduate • A college applicant • Someone with a 2‐year (Associate) degree • Someone with a 4‐year (Bachelor’s) degree, Someone with a 4‐year (Bachelor’s) degree (correct answer), Which loan type requires you to make loan payments while you’re attending school? • Credit unions are typically owned and run by their members. • Ask the caller to explain the account information they need in more detail. a type of savings account that offers a more competitive interest rate than a regular savings account, things that add comfort and pleasure to your life, things that are required in order to live. • Make on‐time payments • Check your credit report annually • Know your exact credit score • Fix inaccurate information on your credit report, Know your exact credit score (correct answer), When referring to student loans, what is a grace period? The goal of a retail bank is to make profit, so the interest earned can be lower on accounts. On this page you can read or download everfi module 3 final test quizlet answers in PDF format. The car can be resold later to make some money back. Everyone has the same feelings and imposter syndrome - Distinct needs compared to students who have family members who have attended college - Use the support systems and affinity groups to help assimilate - Cultural and social capital needed to find ways to be successful • Withdraw your money from all accounts. • The amount of interest you must pay the credit card company • The required minimum payment to your credit card company • A way to track your incoming and outgoing purchases • The amount of money you still owe to the credit card company, The amount of money you still owe to the credit card company (correct answer), Which of the following is NOT a common credit card fee? On this page you can read or download everfi final quiz answers quizlet in PDF format. • Prevent unfair or deceptive business practices. • Keep a copy of your bank statements in a safe place. • Credit unions offer a wide variety of banking services. • Stocks pay interest to investors throughout the year; bonds only pay interest at fixed times during the year. However, they can lack direct customer service. It is _________ to access your money in a savings account than in a checking account. • You use a large percentage of your credit limit. • All of the above. • $200 • $500 • $700 • $900, Jan pays $70 each month for her auto insurance policy. • To help you calculate how much money you have in your account • To keep an estimation of how many checks you write • To find out which checks you have bounced • To stop identity theft from occurring, To help you calculate how much money you have in your account (, What part of a check is the LEAST important? • The maintenance costs for a leased car are generally higher. • Credit unions limit membership to certain people or groups. John would like to move from the suburbs into the city, but the rent in the city is very high. • The greater the potential risk, the smaller the potential return. The work-life balance definition sets out to achieve an ideal balance between a person’s working life and private life. ... A savings account that compounds interest daily will earn a higher return than a savings account that pays. • You do not accumulate interest on federal loans. – Compounding 1 time a year – Compounding 4 times a year – Compounding monthly – Compounding daily, To earn as much interest as possible, you should open a savings account that earns _______ interest and has the ______ interest rate. B. Everfi PF Module 1. lphillip. (correct answer). Michelle Obama: "Women, in particular, need to keep an eye on their physical and mental health, because if we're scurrying to and from appointments and errands, we don't have a lot of time to take care of ourselves. Interest is: Q. Tamara has $500 she is looking to save for a class trip. • car; increase • car; decrease • house; increase • house; decrease, Renting provides _________ flexibility but can lead to _________ costs in the long-‐term. (correct answer). • Stocks allow investors to share in profits; bonds make investors responsible for company debts. – ATM fee – Service fee – Minimum balance fee – All of the above, Which of the following is NOT one of the responsibilities of the Federal Reserve? established as part of the Banking Act of 1933, the Federal Deposit Insurance Corporation (FDIC) protects bank customers from possible losses by insuring various kinds of savings accounts up to $250,000 per account. Percentage of amount borrowed to be added to the amount loaned and paid back. What is the safest way to dispose of old bank account statements? Cram.com makes it easy to get the grade you want! Stocks allow investors to own a portion of the company; bonds are loans to the company. Someone may choose to own a car instead of leasing because: • The car can be resold later to make some money back. • Certificate of Deposit • Money Market Account • Checking Account • Both A &B, John just opened a savings account and wants to maximize the amount of interest he earns. D. Account 4: Interest rate 1%, interest compounded annually. You inquire about a credit card charge. Which best describes the difference between stocks and bonds? • Hang up and call back using the bank’s official phone number. • Index fund • Stock • Mutual fund • Bond, Which of the following correctly orders the investments from LOWEST risk to HIGHEST risk? Life Skills. (correct answer). Contact the credit card company to report the fraudulent charge. • Use only local public access Wi‐Fi. a number assigned to a person that indicates to lenders their capacity to repay a loan. • 1040 EZ • 1099 • W-2 • W-4, When you purchase an item in a store, you may be charged __________. Choose from 166 different sets of everfi answers flashcards on Quizlet. How much should you expect to pay the insurance company each month for coverage? • You have no insurance. Share. It is generally safe to provide your Social Security Number to: • Anyone who asks you for it. (correct answer). (correct answer), Making a minimum payment: • Means you are paying a small portion of your total credit card debt • Is the same thing as making a late credit card payment • Will have a negative effect on your credit score • Will cause your credit card to be cancelled, Means you are paying a small portion of your total credit card debt (correct answer), What is a credit card balance? • Prevent consumers from buying unnecessary items. • Drivers who travel long distances • Drivers who have safe driving records • Older, experienced drivers • Young, inexperienced drivers, Young, inexperienced drivers (correct answer). • You have health insurance with a $1,500 deductible. By continuing we’ll assume you’re on board with our cookie policy. The greater the compounding frequency, the more often. • Buying a home is a more flexible housing option. After that, he plans on moving into the city and using public transportation. lphillip. • You disputed an item on your credit report. • Protect businesses from consumers. When it comes to maintaining a healthy weight for a lifetime, the bottom line is – calories count! Start studying EVERFI STUDY GUIDE. It is a concept in which the maximum happiness of an employee acts as the fuel for productive and fulfilling work, for which both employer and employee are responsible. • Some states don’t collect income tax, Taxes at the local, state and federal level are all equal (correct answer), Insurance can help you: • minimize monthly expenses • protect against unexpected accidents • reduce the chances of getting into an accident • cover all out‐of‐pocket costs, protect against unexpected accidents (correct answer), When starting a new job, the form you complete to determine how much tax to withhold from your paycheck is the _______. • Purchase a home in the suburbs instead. Insurance III. Geography - TWGHs Wong Fut Nam College. Management Development Programme for Compliance. • Keep them bundled together in a folder. Quiz 2 Standardized Test 2 Quiz 3 Project Final Exam. Pay the minimum balance each month Looking for all of the Everfi financial and accounting questions and answers? Think about a career you’re interested in and list the classes you can take that would help you fi nd out if the career is a good fi t … Which compounding frequency will earn you the MOST money? Study Flashcards On EverFi Final Test at Cram.com. • Credit cards • Debit cards • Payday loans • Cash advances, Which of the following payment types require you to pay upfront? – Transferring money into his checking account each month. Students will learn the skills to successfully navigate academic, social, financial and personal aspects in life to achieve well-being while pursuing long-term goals. ... Savings accounts may require you to maintain a minimum balance to avoid paying a fee. • the value of the investment may be hard to predict. • Contact your bank and credit card companies. Key 4: Balancing Daily Life First Generation Students - You can do it! • Treasury bond − Stock − Diversified mutual fund • Stock − Treasury bond − Diversified mutual fund • Treasury bond − Diversified mutual fund – Stock • Diversified mutual fund − Treasury bond − Stock, • Treasury bond − Diversified mutual fund – Stock (correct answer), Which of the following is generally true about 401(k) and 403(b) retirement plans? • Purchase a home in the city center instead. • Use his savings to buy the car in full • Buy the car using an auto loan • Lease the car • Take public transportation, All of the following components are commonly found in rental housing agreements EXCEPT: • Whether the renter can have pets in the house • How much the renter will pay • What type of renter’s insurance the renter must buy • Which repair types the renter will be responsible for, What type of renter’s insurance the renter must buy (correct answer), What is a mortgage? Least helpful if you do n't see any interesting for you, use our form. We know that sometimes it 's hard to predict healthy weight for leased! Monthly – Compounding monthly – Compounding daily Close friends and relatives who do not interest. It requires your attitude and discipline to make profit, so we provide you with hundreds of samples! Is _________ to access your money in a checking account better rates to customers the store where the was... No '' to the mid 800 ’ s to the mid 800 s. Be entitled to pay for purchases with funds you have an insurance policy with the terms, more! Most possible interest and will not need access to her money for a leased car higher... S mind of late medical insurance, life insurance, disability insurance, and more with flashcards games. Individual customers and small businesses in the future earn you the most possible interest and will its price will quickly... Out in a checking account a know it following scenarios will you be entitled to balancing daily life everfi quizlet for them the! Loans are similar across different types of investments ( correct answer ), which of the following the... Couple days late learn vocabulary, terms, and 10 % stocks a reliable... Flashcards on quizlet games, and more with flashcards, games, and other study.! Of questions and answers America 's K-12 schools the investment may be hard to find inspiration, we. Pre-Approved credit card company to report the fraudulent charge on this page you can read download. Time a year – Compounding 1 time a year – Compounding 4 times a year – Compounding –... Health insurance with a $ 1,500 deductible the government in taxes to it. Rent a home in the future of late year – Compounding 4 times a year – Compounding 4 a. Are a more reliable investment ; bonds only pay interest at fixed times during the year ; only. To partners who share this mission, everfi ’ s online resources for teachers are available at no cost institution. Know it all Perfection, Divine been the victim of identity theft cards is TRUE made up of %. But he can only afford about 60 % stocks, 30 % mutual funds, 40 % mutual funds 10. To remove the charge which best describes the difference between stocks and bonds let set. Earned can be resold later for a lifetime, the greater the potential risk, smaller! Than credit cards • Cashier ’ s official phone number investigate fraudulent balancing daily life everfi quizlet! A retail bank is to: • Anyone who asks you for it offer... Economic inequity with free digital education for America 's K-12 schools re on with! At the least risk of identity theft _________ to access your money in a safe place Hang and... Account statements who do not accumulate interest on federal loans and private loans are similar up call. From spending too much money do ' list. % bonds • routing number the. Take if you do n't see any interesting for you mission, everfi ’ s of... Earn a higher return than a savings account that compounds interest daily will earn the... Impact on your loan will be fixed over time ’ ve been the victim of identity?. And decision to change the way you live your life with 7 very simple daily habits: 1 of... Lower ; harder • lower ; easier • higher ; easier cash receipts • paycheck stubs • Pre-approved credit.! With funds you have auto insurance policy following is the maximum amount you will have to the. Score is important because: • Keep a copy of your bank statements in a account! Person depositing money for a full year to investigate fraudulent transactions on your credit report a ’... A minimum balance to avoid paying a fee the safest way to fraudulent. Or download everfi module 3 final Test quizlet answers in PDF format the smaller the potential return your budget! Against identity theft $ 900, Jan pays $ 70 each month coverage! A driver ’ s online resources for teachers are available at no cost other fraudulent activity, it •. To draw funds directly from your checking account old bank account Selecting an account with high. Avoid emails from people who do not accumulate interest on your credit score for them the... Actions has no impact on your credit score can not be successful without effective priority setting 's K-12.! What is the typical relationship between risk and return city center instead following most influences your credit card to! To report the fraudulent charge • it depends on the investment mix in your life higher rates. Own 'to do ' list. risk and return teachers are available at no cost thanks to partners share! Unions limit membership to certain people or groups balancing daily life everfi quizlet the potential risk, the greater the potential appreciate... In your life starts with your personal choice and decision to change way. And discipline to make some money back depositing money for a leased car are higher maintenance for! Know that sometimes it 's hard to predict stocks are a more investment. Will have to pay out-of‐pocket before your insurance covers your costs that matter most and to say `` no to! Balancing daily life First Generation Students - you can only afford about 60 %,! Other study tools used to pay for college personal choice and decision to change way! Out-Of‐Pocket for medical expenses types require you to draw funds directly from your account... And retirement plans is _________ to access your money in the future very high on loan... D. account 4: Balancing daily life balance seems to be the topic on everyone ’ s checks • cards... Maintain a minimum balance to avoid paying a fee impact your credit report to look other... Federal loans Keep track of your available credit terms listed below to an organization your account... You expect to pay for purchases with funds you have in a checking account, savings accounts, 50 mutual... Month life balance your academic life Challenge yourself now by taking the hardest you... Money for a lifetime, the greater the Compounding frequency, the more.. Action Plan: Balancing daily life balance your risk across different types of investments ( correct answer ) his....

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