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Step 4c: Create a Pre- and Post-Test for Class: Personal Finance, 11 a.m.

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Topic: Home and Transportation Expenses

 Lesson: Sharing Expenses (Required)Pre-TestPost-Test
1.Roommates should discuss in advance how to share expenses.
2.Mutual property means a shared investment in a mutual fund.
3.Electric companies often ask for a deposit to set up a new account.
4.Long-distance phone charges are a common source of disagreement among roommates.
5.To split grocery bills fairly, roommates must go to the market together.
6.The best way to share expenses is to split every expense as it comes up.
7.A monthly discussion is one technique for settling disagreements.
8.Putting expense agreements in writing creates bad feelings.
9.Computer spreadsheets are useful for recording expenses.
10.You should save your expense receipts until you settle up with your roommates.
 Lesson: Making Housing Arrangements (Required)Pre-TestPost-Test
1.A typical housing budget amounts to 15% of a person's income.
2.You should be willing to live anywhere that fits your budget.
3.A checklist of your housing priorities is a helpful tool.
4.Some landlords prefer to advertise in weekly neighborhood newspapers rather than large metropolitan dailies.
5.Websites are good for background research on a community, but not for finding a specific apartment.
6.Personal contacts are a valuable source of real estate information.
7.An apartment locator does much of the searching for you.
8.You should inspect the actual property before you move in, not just a “similar” apartment in the same building.
9.“Amenities” such as a gym and parking garage may cost extra.
10.You will have to provide financial information to a landlord, but you should not give out your Social Security number.
 Lesson: Evaluating Your Lease (Required)Pre-TestPost-Test
1.The “term” of the lease means the name at the top of the first page.
2.A lease cannot say who is allowed to share your apartment.
3.Most security deposits are not refundable.
4.If your roommates sign the lease with you, you can never be held responsible for paying their part of the rent.
5.Utilities typically include gas and electricity.
6.The landlord normally takes care of repairs and routine maintenance.
7.Once you rent an apartment, the landlord cannot come in without your permission.
8.Special rules may be included in an attachment to the lease.
9.The word “lessor” refers to the tenant.
10.Verbal agreements should be added to the written lease.
 Lesson: Buying Housing Insurance (Required)Pre-TestPost-Test
1.The “medical payments” coverage of your renter's insurance will pay your hospital costs if you are injured at home.
2.“Actual cash value” is usually higher than “replacement cost.”
3.Renter's insurance liability coverage applies only in your own home.
4.“Loss of use” coverage pays your living expenses while you are unable to use your house or apartment.
5.A “named perils” policy covers only the risks that are listed.
6.Typical personal property coverage is effective anywhere in the world.
7.The terms “rider,” “floater,” and “endorsement” all mean a special attachment to an insurance policy.
8.An inflation guard guarantees that your insurance coverage will keep up with inflation.
9.A higher deductible costs more than a lower deductible.
10.Smart insurance buyers review their coverage every year.
 Lesson: Controlling Transportation Costs (Required)Pre-TestPost-Test
1.Using public transportation costs much less than owning a car.
2.Transponders are electronic devices that tell you when your car needs repair.
3.A motorbike costs about the same to maintain as a car.
4.Some auto insurance companies offer discounts for carpoolers.
5.Depending on how often you drive, renting cars may cost less than owning one.
6.Car sharing is available in dozens of cities.
7.Compared to SUVs, many small cars go two or three times as far on a gallon of gas.
8.The most popular cars generally have the lowest insurance costs.
9.Good information about a car model's reliability is hard to find.
10.Early morning is the most expensive time to fly.
 Lesson: Buying a New Car (Required)Pre-TestPost-Test
1.Smart buyers do a lot of research before they visit car dealers.
2.Monthly auto expenses should equal about 25% of your income.
3.The dealer's invoice price is what the dealer charges you.
4.The beginning of the month is a good time to shop for a car.
5.You should negotiate a price before you test-drive a car.
6.Your main interest should be the bottom line—what you actually pay—not the sticker price.
7.To get the best price, you should have several dealers making you offers.
8.You can request price quotations online and receive them by email.
9.It's smart to negotiate financing at the same time that you negotiate price.
10.Last-minute add-ons are usually not a good deal.
 Lesson: Buying a Used Car (Required)Pre-TestPost-Test
1.New cars don’t depreciate much until they are three years old.
2.A used car is less likely to need repairs than a new one.
3.In searching for a used car, you should consider both car dealers and private sellers.
4.A factory-certified used car is one that has gone back to the factory for a tune-up.
5.A vehicle history report can help you identify a car that has been in an accident.
6.It’s a good idea to check a used car’s service records.
7.Mismatched paint can mean that a car has been damaged.
8.A simple test drive can reveal a lot of problems with a car.
9.Suggested retail value is the average price charged by an individual seller.
10.After you have the title in your possession, you legally own the car.
 Lesson: Leasing a Car (Required)Pre-TestPost-Test
1.Most auto leases last 4 to 6 years.
2.Before you lease a car, you should research the make and model just as thoroughly as if you were buying the car.
3.Capitalized cost is what the car will be worth at the end of the lease.
4.If your car depreciates faster than expected, it's good to have an open-end lease.
5.You may have to pay for early termination of the lease even if the car was totaled in an accident.
6.Leases typically have a mileage limit of 30,000 miles per year.
7.If you fail to change the oil regularly, the dealer may charge you for excessive wear and tear on the car.
8.Leases often include a purchase-option fee.
9.A disposition fee is the dealer's charge for taking the car back.
10.In bargaining you should try to raise the capitalized cost.
 Lesson: Choosing Car Insurance (Optional)Pre-TestPost-Test
1.Your auto liability insurance pays medical expenses for other people when an accident is your fault.
2.Minimum liability coverage is fine for most people.
3.Comprehensive insurance pays when you crash your car.
4.Raising your collision deductible can save you a lot of money.
5.Collision coverage pays whatever it costs to fix your car, no matter what the car is worth.
6.Medical payments coverage typically applies to both you and your passengers.
7.If your uninsured motorists coverage is $15,000/$30,000, the insurance company will pay no more than $15,000 per accident.
8.Emergency road service is an expensive addition to your policy.
9.State insurance departments are good sources of information.
10.Many driver's education courses qualify you for an insurance discount.
 Lesson: Servicing Your Car (Optional)Pre-TestPost-Test
1.Your car's owner's manual includes a maintenance schedule.
2.Dark exhaust smoke is a sign of a healthy car.
3.You shouldn't try to check tire pressures yourself.
4.For warranty repairs, you need to return to the same dealership where you bought the car.
5.Friends and family are usually a good source of recommendations for auto mechanics.
6.Before you trust a shop with a major repair, you should try the shop on a smaller job.
7.Good repair shops provide written estimates.
8.If you have no idea why your car isn't working right, you are at the mechanic's mercy.
9.After-market parts come from the car's original manufacturer.
10.Your receipt for each repair should show the date and odometer reading.
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