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The 100 questions available from the Topic you selected are displayed for your review so you can make choices about which questions to ask.

An (R) is shown when a Lesson is one you required when you set up your class. It is recommended that you choose questions only from Required Lessons.

You may ask the same or different questions in the Pre- and Post-Tests by clicking the appropriate columns.

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

The 100 questions available under this Topic with the corresponding Lesson title are displayed below.

For each question, decide whether you want to use the question on the Pre- or Post-Test, or on both. Check the boxes under the Pre-Test column to select the Pre-Test questions. Likewise, click the boxes under the Post-Test column to select the questions for the Post-Test.

When finished with this topic, click the button Save Pre-and Post Test Questions.

This demonstration has already selected questions for the Pre- and Post-Tests. You can review these questions below. Click here to continue.

Topic: Banking

 Lesson: Opening a Checking Account (Optional)Pre-TestPost-Test
1.Everybody needs the same things from a checking account.
2.You should sign up for a checking account as soon as you locate a bank that seems appealing.
3.Bills that arrive at unpredictable times are easy to schedule.
4.Bank charges hardly ever change.
5.Some bank charges are so well hidden that customers often don't know about them in advance.
6.You need to memorize your PIN.
7.Banks often ask for your PIN over the phone.
8.It helps to set up a weekly schedule for paying your bills.
9.Your checking account is a machine for making money.
10.All problems with a bank are the bank's fault.
 Lesson: Starting a Savings Account (Optional)Pre-TestPost-Test
1.You may find that you have more than one reason for saving.
2.It takes most people years to save up for an appliance.
3.You should accept the first attractive savings plan that is presented to you.
4.Interest rates may vary according to how long you keep your money in an account.
5.Money market accounts are sometimes called "passbook accounts."
6.Different accounts for different purposes can help you keep track of your savings.
7."Club" accounts are those with so many rules it's like being hit with a club.
8.CDs usually earn a higher rate of interest than standard accounts.
9.Savings accounts are usually safer than investments made without experience.
10.The road to peace of mind is to put all your money in savings.
 Lesson: Writing Checks (Optional)Pre-TestPost-Test
1.You should never leave blank checks lying around.
2.It's always safe to make out a check that will be covered by tomorrow's deposit.
3.Your signature should be written in block letters.
4.If you are writing a check to a utility company, you can show your account number on the memo line.
5.If your checkbook includes a carbon copy of each check, you do not need to keep a separate check register.
6.Most stores no longer ask for photo IDs when you pay by check.
7.A canceled check is a strong proof of payment.
8.Some checks may not be cleared through a bank for a number of days.
9.Checks for very small amounts create extra work for everyone.
10.There is no need to know what is left in your account when you write a check because your bank will tell you.
 Lesson: Balancing Your Checkbook (Optional)Pre-TestPost-Test
1.Neatness is an important element in keeping accurate records.
2.You can ignore automated deposits in your own records.
3.You should include bank charges in your records.
4.Bank statements show the dates and numbers of checks that have been processed.
5.New bank charges that show up on the statement can be ignored.
6.The statement balance should agree immediately with your checkbook balance.
7.Discrepancies in the statement can reflect errors made either by yourself or by the bank.
8.You should never bother a bank manager with concerns about your statement.
9.Old statements are useful when you need to verify a payment or other transaction.
10.There is only one right way to reconcile a bank statement to your checkbook.
 Lesson: Using ATMs (Optional)Pre-TestPost-Test
1.Good lighting makes any ATM safe.
2.You shouldn't expect ATMs to manufacture money.
3.Not all ATM charges are listed on the receipt.
4.Cash advances on a credit card cost no more than withdrawing from your account.
5."Daily limits" refer to how often you can use an ATM.
6.All ATMs offer the same services.
7.Someone can raid your account without knowing your PIN if you leave your card in the machine.
8.If one ATM doesn't work, the whole system is probably broken.
9.Offering "easy money" is often a scam approach.
10.You should not expect ATMs to solve your financial problems.
 Lesson: Using Credit Cards (Optional)Pre-TestPost-Test
1.When you buy on credit, you are using your own money.
2.With a signature card, you have to use your signature in addition to your PIN.
3.Debit-card buying removes money directly from your account.
4.Finance charges are added to any debit purchase.
5.You usually won't get cash back using your signature.
6.Some debit devices require neither a signature nor a PIN.
7.Automated toll systems use an electronic box to monitor your passage through a toll area.
8.Debit cards are a good choice for online purchases.
9.For most people who withdraw cash with debit cards, it makes sense to get a large amount of cash at a time rather than making frequent small withdrawals.
10.Accurate record keeping helps protect your checking account.
 Lesson: Stop Pays and Fund Transfers (Optional)Pre-TestPost-Test
1.All banks have basically the same policies.
2.Stopping payment should always be your first choice in solving a billing problem.
3.The time available to stop payment depends on several factors.
4.Your bank will be the only institution that charges if you stop payment.
5.Stopping payment on a check can have serious consequences.
6.Most savings accounts earn interest.
7.You should transfer money from savings to checking every week.
8.Inter-bank transfers can have several charges applied to them.
9.Overdraft charges can range from zero to a significant amount.
10.Overdraft protection makes your savings more secure.
 Lesson: Recognizing Bank Problems (Optional)Pre-TestPost-Test
1.Responding to customers' needs isn't an important part of a bank representative's job.
2.Statements should be clear and easy to read.
3.You should expect that your bank will never make errors.
4.You should not expect your account agreement to change every couple of months.
5.Because of hacking and data theft, security of personal data is now a major concern.
6.You can't expect ATMs to work well most of the time.
7.If a bank representative cannot answer a simple question, this may show that the bank does not trust its employees.
8.Bigger banks usually provide fewer services.
9.All banks are open 24 hours a day.
10.Crowded branch offices are a good sign because they indicate that the bank is very popular.
 Lesson: Special Bank Services (Optional)Pre-TestPost-Test
1.A lost money order is easy to replace.
2.Charges for cashing checks differ between banks.
3.A cashier's check is one that only a cashier can honor.
4.Most banks can issue credit cards.
5.Travelers' checks are accepted everywhere.
6.Safe deposit boxes are useful only for jewels and cash.
7.Your bank is a good first stop for loans.
8.Banks charge more than most financial professionals for their advice.
9.Drive-up banking is generally slower than going inside a bank branch.
10.It pays to keep a good financial record with your bank for future references.
 Lesson: Online Banking (Optional)Pre-TestPost-Test
1.Your birthday is an excellent choice for a password.
2.The only accurate balance statement is the one you receive in the mail.
3.All checks take the same amount of time to clear.
4.An online transfer is one of the fastest ways to move money between accounts.
5.A copy of your canceled check proves that you have paid a bill.
6.New checks are usually free.
7.You can usually contact your bank online to check on a statement error.
8.You have a better chance of spotting identity theft if you frequently check your account online.
9.Reading your account agreement can answer questions about bank charges.
10.Most banks offer no financial services beyond your account.
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