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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.

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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.

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

Topic: Borrowing

 Lesson: Appropriate Times to Borrow (Optional)Pre-TestPost-Test
1.You should take out a loan if you think you might lose your job.
2.Making small purchases on credit can lead to wasting your money on finance charges.
3.Most house purchases require a loan in the form of a mortgage.
4.Almost anyone can afford to go to college without a loan.
5.In the long run, you save no money by buying a used car instead of a new one.
6.It's worth the extra time to study rates and terms carefully.
7.Interest rates are usually the same from year to year.
8.Taking out a new loan makes the most sense when you are already heavily in debt.
9.Family loans need nothing more than a handshake as agreement.
10.Business loans require a business plan and proof that you can repay.
 Lesson: Applying for a Credit Card (Optional)Pre-TestPost-Test
1.You ought to apply for a credit card as soon as you are hired at a new job.
2.Your bank usually cannot guarantee your credit approval.
3.Some cards carry zero APR for your lifetime.
4.You should apply only for cards that you know you will use.
5.Having a multitude of different store cards makes you look wealthy.
6.Some cards will pay back a percentage of your purchases.
7.You can support your social or political beliefs through your credit cards.
8.Getting more credit cards is a reasonable way to handle your debt.
9.Lying on a credit application covers up for past mistakes.
10.There is no guarantee that your application for credit will be accepted.
 Lesson: Understand Card Finance Charges (Optional)Pre-TestPost-Test
1.The terms of your contract for a credit card will never change.
2.One APR covers all types of credit card transactions.
3.The way the finance charge is calculated on credit cards can be different with different types of cards.
4.A credit card cash advance is an easy, cheap, attractive way to get a loan.
5.You do not pay a finance charge on new credit card purchases during the grace period.
6.Late fees are a separate charge from the interest paid on credit card purchases.
7.Reducing your APR has no advantages for the credit card company.
8.Change notices do not affect your original contract.
9.You should keep asking questions until you understand the answers fully.
10.There is a simple way to avoid all finance charges.
 Lesson: Resolving Credit Disputes (Optional)Pre-TestPost-Test
1.You should compare your receipts to your statement regularly.
2.It makes sense to call your credit card company with a problem before talking to the merchant.
3.It's not important to note the date you made your call.
4.Credit companies usually need a written report of a dispute.
5.You can wait a year to report a problem with a charge on your credit card.
6.The credit company must follow certain rules in handling a dispute.
7.If you were sent something you did not order, keep it.
8.A crowded statement may make it difficult for you to see if your dispute has been resolved.
9.You need to call the credit card company at least once a week about your problem.
10.Reporting fraud helps both you and other potential buyers.
 Lesson: Abusing Credit Cards (Optional)Pre-TestPost-Test
1.The reason for using only two cards is to keep your wallet slim.
2.You should avoid using credit cards to buy small items.
3.Cash advances may include hidden fees.
4.Debit cards will add to your overall debt.
5.A huge credit line protects you against debt.
6.A bank loan is a better alternative for major purchases than a credit card.
7.Reviewing your records weekly helps you spot errors earlier.
8.Free offers in your card statement are typically terrific deals.
9.Credit companies are not allowed to raise your APR.
10.Paying only your minimum can put you deeper in debt.
 Lesson: Avoiding Card Abuse by Others (Optional)Pre-TestPost-Test
1.Your signature is usually hard to copy accurately.
2.A person who borrows your card is responsible for paying for what is bought with it.
3.Reporting your lost card quickly can save a lot of paperwork later.
4.Your wallet is the first place a thief will look for a credit card.
5.You don't need to watch what a clerk does with your card.
6.A signed blank credit card receipt is like a signed blank check.
7.Expired credit cards can simply be tossed in the trash.
8.You should register a change of address after you move.
9.Banks will often call you for your credit card information.
10.A well-designed website assures you that you are dealing with an honest company.
 Lesson: Checking Credit Reports (Optional)Pre-TestPost-Test
1.Information at the different credit bureaus always agrees.
2.Credit bureaus do not keep your Social Security number.
3.Credit bureaus must respond to a dispute within a certain time.
4.Names and accounts can sometimes be confused.
5.Credit bureaus do not have to show that an account is closed.
6.Differences between the bureaus are unimportant.
7.You should know who has been asking for your credit report.
8.Giving full details helps resolve a dispute.
9.Once your credit report is straightened out, you can forget about it.
10.It helps to get a credit report before applying for a mortgage.
 Lesson: Overcoming Bad Credit (Optional)Pre-TestPost-Test
1.It helps to pretend that you're not really in debt.
2.Keeping credit cards while you are in debt increases your temptation to spend.
3.Automatic payments can help you avoid late payment fees.
4.Creditors have no interest in talking to you about reducing your debt.
5.Accepting new credit cards makes paying off your debt easier.
6.Bank loans have lower interest rates than credit card debt.
7.Paying credit repair companies helps save money in the end.
8.Credit counseling services can't be trusted.
9.Living up to your agreements protects your future credit.
10.Paying off your debt takes a long-term commitment.
 Lesson: Obtaining a Bank Loan (Optional)Pre-TestPost-Test
1.It's a good idea to take out a loan just to have more pocket money.
2.Your plan should include how much you can afford to pay a month.
3.Collateral refers to the damages caused by your loan.
4.All loan institutions will offer you the same interest rates.
5.Accepting a high-interest loan may take you further in debt.
6.Failure to pay back a loan may cost you more than the loan was worth.
7.When you take out a mortgage, the house you are buying acts as collateral.
8.A consolidated bank loan offers no advantages over paying credit card debts directly.
9.Most students can afford to go to college without getting into debt.
10.Dealers will help you get a car loan.
 Lesson: Mistakes of Borrowing (Optional)Pre-TestPost-Test
1.If you know you are borrowing from a reputable company, you don't need to know the exact terms of the loan.
2.Written agreements protect both the borrower and the lender.
3.Keeping lots of credit cards is necessary to show that you are important.
4.Saving costs you less in the end than borrowing.
5.Finance charges are usually only a few cents and can be ignored.
6.You don't have to worry about what you owe if you can borrow more money to cover your debt.
7.Borrowing from a friend may destroy a friendship.
8.Record keeping and schedules help you keep track of debt.
9.If you're guaranteed a loan despite having a bad credit history, you're really in luck.
10.Optimism can cause trouble if it runs counter to facts.
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