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Create Pre- and Post-Tests

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: Savings and Taxes

 Lesson: Reasons for Savings (Required)Pre-TestPost-Test
1.You can predict all your financial needs in life.
2.Financial emergencies are someone else's responsibility.
3.Saving can help you establish the self-discipline you need to handle your finances.
4.Stress often results from being financially insecure.
5.There is little you can do to predict family financial needs.
6.Depreciation makes everything you buy worth more as it ages.
7.Credit card finance charges can use up much of your spare income.
8.Damage to your credit rating can be difficult to reverse.
9.Banks seldom want proof that you can repay a loan.
10.In most of real life, there are clear directions about what to do.
 Lesson: Becoming a Saver (Required)Pre-TestPost-Test
1.Saving matters only in the case of major purchases.
2.There is no need to save on a regular basis.
3.Automated savings can help you manage your money.
4.Many chain stores have predictable sale patterns.
5.No generics are as good as brand names.
6.It costs more per item to buy in bulk than to buy singly.
7.Even if you plan to buy from a local store, it pays to check prices online.
8.Stopping to think before you purchase is a waste of time.
9.Turning down the heat two degrees has no real effect in saving money.
10.Buying a lot of disposable items is one way to use up your savings.
 Lesson: Roadblocks to Saving (Required)Pre-TestPost-Test
1.You should buy anything that looks interesting immediately, before it disappears from the store.
2.It's best to use your credit card mainly for important or major purchases.
3.It's wise to plan your shopping ahead of time.
4.Unless you're planning a major trip, you can usually forget about transportation costs.
5.Saving money can always be put off until tomorrow.
6.Organized record keeping isn't worth the nuisance.
7.On your scheduled "savings day," putting money in your savings should be your top priority.
8.The effects of inflation on your budget are obvious to see.
9.International economic conditions have no effect on your job.
10.You can help yourself get ready for the future by saving on a routine basis.
 Lesson: Coping with Inflation (Required)Pre-TestPost-Test
1.Because of inflation, most prices will continue going up.
2.Food prices usually stay about the same.
3.It is unwise to buy a home early in life.
4.The price of electronics usually does not go up as fast as the rate of inflation.
5.Online buying can sometimes help combat inflation.
6.Bargaining is rude in the United States.
7.Interest on savings is not worth worrying about.
8.Small businesses often offer a cost-of-living adjustment to wages.
9.Asking for a raise is acceptable if you have done good work.
10.Most people cannot understand economic forecasts.
 Lesson: Choosing a Savings Approach (Required)Pre-TestPost-Test
1.When you budget, one helpful trick is to overestimate your spending.
2.Credit unions are usually larger institutions than banks.
3.Flexible savings plans are ones where the interest rate changes often.
4.A rate of interest should never change, no matter what the economic conditions.
5.A useful self-discipline is to limit your ATM withdrawals to one a week.
6.One way to save is to make regular payments to yourself.
7.Setting up more than one savings account is a waste of time.
8.A jar full of coins earns high interest.
9.Penalties on early withdrawal can cancel out high interest.
10.Personal style gets in the way of savings and should be ignored.
 Lesson: Understanding Taxation (Required)Pre-TestPost-Test
1.Taxes exist to make rulers wealthy.
2.The individual is always more important than society.
3.Taxes were not always paid in money.
4.Only the federal government can collect taxes.
5.We vote for the people who vote for our taxes.
6.You may be taxed by several different communities.
7.All taxes are based on percentages of what you earn.
8.If you don't know about a tax, you don't have to pay it.
9.Some taxes you have to figure out for yourself.
10.No one goes to jail for failing to pay taxes.
 Lesson: Federal Income Taxes (Required)Pre-TestPost-Test
1.The IRS does not require you to keep tax records after you have filed your return.
2.Cheating can sometimes lead to criminal charges.
3.Penalties for late payment can increase over time.
4.You gain from having your employer withhold more money from your paycheck than you will owe to the government.
5.Many people without dependents can use form 1040EZ.
6.You don't have to pay taxes on tips you earn as a server in a restaurant.
7.For electronic tax filing, the IRS offers access to free software.
8.You should ask a tax preparation service about costs in advance.
9.Direct deposit of your refund is faster than a check.
10.Most tax forms and instructions are unavailable online.
 Lesson: State and Local Taxes (Required)Pre-TestPost-Test
1.If a tax is not deducted from your pay, you can forget about it.
2.State and federal income taxes are not the only ones you are required to pay.
3.Nearly all localities collect exactly the same taxes.
4.Real estate taxes are deducted from your salary.
5.You may be considered to have a business even if you don't have an office.
6.It never pays to buy items out of state.
7.Even part-time work may be taxed.
8.You can owe taxes that you don't even know about.
9.States and cities never forgive tax penalties.
10.Taxes pay for things we take for granted in daily life.
 Lesson: Miscellaneous Taxes (Required)Pre-TestPost-Test
1.The federal self-employment tax includes money that an employer would normally pay.
2.Personal property includes items such as art work.
3.The tax on a hotel room can increase its cost by as much as 20%.
4.Taxes charged to oil companies raise the price of gasoline.
5.Tobacco taxes have been raised to discourage smoking.
6.The tax on alcohol is sometimes considered a "sin tax."
7.The taxes and charges on transferring the title to a piece of real estate can add thousands of dollars to the cost.
8.More than one state may charge tax on a single inheritance.
9.Many taxes and charges are not included in the basic price of phone and utility service.
10.Businesses cannot pass the cost of taxes along to consumers.
 Lesson: Reducing Taxes (Required)Pre-TestPost-Test
1.Tax deductions are all taken out of your paycheck.
2.Many items do not have sales tax if bought online.
3.It always pays to buy a home in an area of low real estate tax.
4.The federal government has many different rules that apply to gifts to charities.
5.Retirement plans are a form of deferred taxation.
6.Books you buy for your college courses may be tax deductible.
7.There is no tax credit available for child care costs.
8.You should avoid government bonds because they pay low interest rates.
9.Deferred income can you save money if you pay a lower tax rate in future years.
10.Banks offer free tax advice only because they care about their customers.
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