JA Finance Park (Advanced) - Pre-program Student Survey (FY25-26)

Please answer the following questions based on your current understanding of the concepts that will be taught in this learning experience. The results of this survey are confidential and will only be used to compute knowledge gain scores for students participating in this learning experience.

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* 1. Please indicate the JA Area you are served by:

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* 2. What are the first three letters of your FIRST name?

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* 3. What are the first three letters of your LAST name?

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* 4. In what MONTH were you born?

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* 5. On what DAY of the month were you born?

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* 6. What is the name of your teacher, volunteer, or instructor?

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* 7. Please indicate your level of agreement with the following statements.

	Strongly disagree	Mainly disagree	Somewhat disagree	Somewhat agree	Mainly agree	Strongly agree
I have hope in my financial future.	I have hope in my financial future. Strongly disagree	I have hope in my financial future. Mainly disagree	I have hope in my financial future. Somewhat disagree	I have hope in my financial future. Somewhat agree	I have hope in my financial future. Mainly agree	I have hope in my financial future. Strongly agree
I have confidence that I can succeed in my future workplace.	I have confidence that I can succeed in my future workplace. Strongly disagree	I have confidence that I can succeed in my future workplace. Mainly disagree	I have confidence that I can succeed in my future workplace. Somewhat disagree	I have confidence that I can succeed in my future workplace. Somewhat agree	I have confidence that I can succeed in my future workplace. Mainly agree	I have confidence that I can succeed in my future workplace. Strongly agree
I am motivated to pursue my educational and/or career interests.	I am motivated to pursue my educational and/or career interests. Strongly disagree	I am motivated to pursue my educational and/or career interests. Mainly disagree	I am motivated to pursue my educational and/or career interests. Somewhat disagree	I am motivated to pursue my educational and/or career interests. Somewhat agree	I am motivated to pursue my educational and/or career interests. Mainly agree	I am motivated to pursue my educational and/or career interests. Strongly agree
I can see how education will help me be successful in the future.	I can see how education will help me be successful in the future. Strongly disagree	I can see how education will help me be successful in the future. Mainly disagree	I can see how education will help me be successful in the future. Somewhat disagree	I can see how education will help me be successful in the future. Somewhat agree	I can see how education will help me be successful in the future. Mainly agree	I can see how education will help me be successful in the future. Strongly agree

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* 8. What is best definition of career cluster?

a grouping of jobs and industries related by skills or products

work that matches a worker's interests, values, and abilities

a series of classes or experiences intended to help students achieve a career in a certain occupation

a system of careers designed to use the same skills

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* 9. If you have a passion for making and selling crafts, which career cluster should you pursue?

Business, Management, and Administration

Manufacturing

Marketing, Sales, and Service

Hospitality and Tourism

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* 10. What would be the most efficient way to find out more about a certain career?

Look online.

Ask people you know in that line of work.

Look for a job on Craigslist.

Research the career in the Occupational Outlook Handbook.

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* 11. Focusing in on your passions, skills, and interests will _____.

ensure you get a job

get you an interview at the best company

inform your career search

ensure your success

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* 12. What is the difference between gross pay and net pay?

Net pay is the amount of pay remaining after deductions have been removed from a paycheck, while gross pay is the amount you earn.

Gross pay is exempt from taxes, while net pay is used to determine taxes.

Only gross pay can be used to determine budget, while net pay is used to determine disposable income.

Net pay is always the larger amount, while gross pay is the desirable amount.

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* 13. Which pay category is considered in net pay?

gross pay

vacation pay

overtime pay

all of these

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* 14. Jason's gross pay this month is $960. His federal income tax amount is $114; state income tax, $42; Medicare deduction, $15; and FICA contribution, $60. What is Jason's net monthly pay?

$1,191

$960

$849

$729

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* 15. What is the best way to calculate net monthly income?

Determine required and nonrequired payments and withdrawals.

Calculate the value of compound returns.

Divide annual salary by the number of pay periods each year.

Begin with gross pay and subtract the withholdings and deductions.

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* 16. What is a benefit of choosing a STEM career?

growth potential

low education cost

higher pay on average

growth potential and higher pay on average

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* 17. The following are examples of the benefits of getting a certificate or degree through trade school EXCEPT _____.

lower initial cost outlay for education

less time invested

hands-on job experience is often provided

high amount of perceived prestige

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* 18. Which reason is NOT advisable in choosing a career?

using skills and pursuing interests and passions

cost-of-living benefits

potential for advancement

friends or family members have that career

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* 19. Which career would have the highest average income per year?

fashion designer

game warden

architect

police detective

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* 20. Which career would have the highest Return On Investment (ROI)?

surgeon, MD, $208,000 annual salary, 20 years' school

architect, BS, $79,380 annual salary, 17 years' school

electrical lineman, $65,800 annual salary, 12 years' school

police detective, $63,380 annual salary, 14 years' school

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* 21. Naomi has decided on several financial goals. What step would be LEAST likely to help her reach her priority goal?

Carefully consider each choice and option.

Do what feels right today.

List the benefits and obstacles of each goal.

Identify the goal she most wants to do.

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* 22. You have decided on a few goals and are having trouble prioritizing your priority goal. Which step of the decision-making process is MOST likely to help you choose your priority goal or goals?

Carefully consider each choice and option.

List the benefits and obstacles of each goal.

Identify the goal you most want to do.

Evaluate your decision and change it if you think there is a better choice.

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* 23. A friend of yours has made some poor choices with spending, including overspending on a credit card. What would be the best advice to offer your friend?

Make a goal to reduce debt now.

Choose only one item to spend money on.

Don't worry about it and take your time to pay it off.

List the long-term benefits and obstacles of being in debt.

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* 24. Which decisions can negatively impact a financial goal?

impulse decisions

critical-thinking decisions

problem-solving decisions

informed decisions

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* 25. Spending money on items that are seen as trendy or expensive can project a certain image but _____.

can lead to unwanted debt

can break your budget

is always a bad idea

can make people jealous

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* 26. The root cause for a student spending more than she has is that she _____.

does not keep track of her spending

occasionally makes impulse buys

purchases things online

has no emergency fund

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* 27. What is NOT an effect of long-term overspending?

Expenses exceed income.

Use of debt and credit increases.

Credit counseling becomes necessary.

Impulse buying occurs on a regular basis.

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* 28. What is the NMI used for?

It is the amount of income used to determine your monthly spending budget.

NMI is the amount of your variable expenses.

It determines your fixed expenses.

NMI is your discretionary allowance.

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* 29. What is the amount of income remaining after all bills and obligations are paid that can be used to purchase wanted goods and services?

discretionary income

variable expenses

overconsumption

luxury spending

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* 30. What is NOT a risk management strategy?

acceptance

avoidance

denial

all of these

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* 31. What is NOT a benefit of having health insurance?

Insurance helps pay for essential health exams and tests.

If you have to be rushed to the hospital, insurance can pay for an ambulance.

Insurance can provide partial income if you can't work.

The young and healthy often pay higher insurance premiums.

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* 32. What is a benefit of having insurance?

assurance that if an accident happens, personal financial loss will be less

knowing that you won't have to cover all the expenses in case of an accident

confidence that you can afford medical care during an illness

all of these

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* 33. Jada has the opportunity to have her company pay 100 percent of her life insurance for as long as she is employed there. Which type of insurance would be the best value for Jada?

term life

permanent, whole life

health insurance only

term life permanent, whole life

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* 34. Zack is a young adult no longer covered under his parent's health insurance plan. How would having health insurance help him manage risk?

Health insurance would provide Zach with a good lifestyle.

Health insurance minimizes the chance that Zach would incur financial loss.

Health insurance is a low-cost alternative when compared to other insurances.

All of these would help Zach manage risk.

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* 35. Investments with high liquidity are _____.

best for short-term investing

less risky

an important part of a diversified portfolio

likely to have higher fees

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* 36. What is the primary difference between investing in a single stock and investing in a mutual fund?

Stocks are more susceptible to economic events and natural disaster risk.

Choosing stocks you like gives you more flexibility.

Mutual fund risk is less because mutual funds are more diverse.

Stocks generally have higher administrative fees.

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* 37. Which type of investment is BEST known for having low risk and low liquidity?

stocks

bonds

mutual funds

commodities

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* 38. Which portfolio is MOST diversified?

A variety of stocks

401(k) in mutual funds

a range of stocks, bonds, and commodities

both short- and long-term investments

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* 39. Which option is considered a long-term investment?

Nasdaq stock

silver bullion

penny stocks

rental property

Thank you for Participating!