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3rd 9 Weeks JTC Test
Test Description: 3rd 9 weeks JTC Test
Instructions: Answer all questions to get your test result.
1) Which is the best description of this term?
A
None of These Choices
B
A high school exit exam.
C
An Armed Services Vocational Aptitude Battery test that consists of verbal, math and technical tests.
D
test that assesses high school students’ general education development and their ability to complete college-level work.
2) what is the meaning of GPA?
A
Grade Point Average. The point(s) received for the grade earned. Points are totaled then averaged.
B
Graduated Point Average. A sequential arrangement of materials in a class.
C
Grade Percentage Average. A way o f recording your progress in a class.
D
Both A and C are correct
3) A 3.0 GPA is roughly
A
a “C” average
B
a “B” average
C
an “A” average
D
None of these choices.
4) What is the difference between these two terms?
A
A.major is an area of study in which a post-secondary student receives a degree; whereas a minor is a supporting or additiona
B
C. Both A and B are correct
C
B. minor is area of study in which a post-secondary student receives a degree; whereas a major is a supporting area of study
D
D. Neither A or B are correct
5) The replacement name for “fun” could be
A
Minor requirements
B
Electives
C
Extra credits
D
Core subjects
6) Which is the best description of the term GED?
A
D. Neither A or B
B
A. General equivalency diploma that certifies high-school –equivalent skills in writing, literature, social studies, science
C
B. General education diploma that certifies a student to do specific trades.
D
C. Both A and B
7) Using a credit card for living expenses is
A
A bad idea, because they can pile up and end up costing you more than original purchase prices.
B
A good idea, because you don’t have to pay for them if they are below a certain amount.
C
A good idea if used sparingly
D
A bad idea because it looks bad on your credit score
8) A budget is
A
A type of checking account
B
A type of saving account
C
The amount of money the government taxes you on
D
A plan for how you will spend the money you earn or receive
9) What is the best way to avoid credit card debt?
A
Paying your bill every other month
B
Keep making purchases on your credit card
C
Paying in full and on time
10) When it comes to savings, a good rule of thumb is to always
A
Pay yourself first
B
Keep most of your cash in the safety of your home
C
Choose the savings account that has the lowest interest rate
11) Why is your credit so important?
A
It heavily influences your approval for bank loans and credit cards
B
It determines how much you will have to pay the government in taxes
C
A credit score is important only for business and not for individuals
12) The effect of time on interest
A
Increases the total amount
B
Doesn’t change the total amount
C
Decreases the total amount
13) Historically, real estate is usually an example of a(n) ________________ asset.
A
Appreciating
B
Self-deprecating
C
Depreciating
14) A car is an example of a(n) _________ asset.
A
Appreciating
B
Depreciating
C
Self-deprecating
15) What do IRA, Roth IRA’s, 401(K)s, and 403(b)s have in common?
A
All are long-term savings accounts for retirement
B
All are combination codes on bank vaults
C
All are checking accounts that you sign up for at a local bank
16) What is the penalty for using the ATM of another bank?
A
Your bank closes your account
B
You can’t use another bank’s ATM
C
Your bank and the other bank might charge you a fee
17) On what type of account are you allowed to make six withdrawals per month without being penalized?
A
Money Market
B
Retirement Account
C
Savings
18) Of the following, which would probably be the most useful piece of information to an identity thief?
A
Your social security number
B
Your middle name
C
Your car’s serial number
19) What is a down payment?
A
A sum of money you pay on a mortgage(or other loan) up front
B
A payment that goes down, down, down
C
A payment that gains value over time as the stock market rises.
20) What is a mortgage?
A
A type of financial statistic
B
A type of loan used to buy property
C
A type of rent used to pay for housing.
*select an answer for all questions
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