Please answer the following questions based on your participation 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: (Required.)

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2. What are the first three letters of your FIRST NAME? (Required.)

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3. What are the first three letters of your LAST NAME? (Required.)

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4. In what MONTH were you born? (Required.)

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5. On what DAY of the month were you born? (Required.)

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6. What is the name of your teacher, volunteer, or instructor? (Required.)

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

Because of my participation in this learning experience …
 (Required.)

  Strongly disagree Mainly disagree Somewhat disagree Somewhat agree Mainly agree Strongly agree
I have more hope in my financial future.
I have more confidence that I can succeed in my future workplace.
I am more motivated to pursue my educational and/or career interests.
I can see more clearly how education will help me be successful in the future.
I know more about how to set personal financial goals for myself.
I know more about how to explore potential careers.

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8. Which of these is NOT a function of money? (Required.)

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9. What is bartering? (Required.)

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10. Which of these is a want and not a need? (Required.)

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11. The term opportunity cost is best described as something that _____. (Required.)

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12. Of the following life goals, which is typically the most expensive? (Required.)

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13. Which would be considered an unanticipated life expense? (Required.)

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14. Which might be found at the U.S. Department of Labor website? (Required.)

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15. Which of these is a true statement? (Required.)

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16. Which of the following is true of college? (Required.)

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17. What is one difference between a Bachelor's degree and an Associate's degree? (Required.)

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18. Which of the following best describes a certification? (Required.)

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19. Which is a significant benefit of an apprenticeship? (Required.)

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20. How can people evaluate whether their education, career, and life goals align? (Required.)

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21. What is gross pay? (Required.)

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22. What is net pay? (Required.)

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23. Which of the following is the biggest tax you pay? (Required.)

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24. Which of the following benefits has the potential to earn you the most money? (Required.)

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25. Which employee benefits are not required by law? (Required.)

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26. What is the main difference between a bank and a credit union? (Required.)

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27. Sasha needs a bank that is open 24/7 and accessible overseas. Which bank should she choose? (Required.)

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28. Why are higher-interest checking and savings accounts preferable? (Required.)

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29. Which of the following is NOT a method of payment using a checking account? (Required.)

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30. Adding a fixed amount to your savings each month... is called _____. (Required.)

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31. If $500.00 is placed in a savings account paying 10 percent per year compounded annually, what will the account balance be at the end of the year? (Required.)

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32. The highest-value alternative given up when a choice is made due to scarcity is _____. (Required.)

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33. The Rule of 72 is a method to determine _____. (Required.)

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34. How is a person's net worth determined? (Required.)

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35. What is the purpose of a transaction register? (Required.)

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36. What is an advantage of being a careful consumer? (Required.)

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37. Which of the following is NOT a method used by careful consumers? (Required.)

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38. Which of the following shows negative cash flow? (Required.)

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39. What is the first step in budgeting? (Required.)

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40. Which of the following would be considered a short-term savings goal? (Required.)

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41. To balance a budget, it is important that _____. (Required.)

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42. What is credit? (Required.)

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43. Which of the following do NOT involve interest payments on purchases? (Required.)

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44. Which of the following is a disadvantage of using a credit card? (Required.)

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45. Which of the following is NOT addressed by consumer credit laws? (Required.)

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46. Which of the following has a maximum credit limit that can be used for multiple purchases and can be paid back over time? (Required.)

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47. Which of the following is NOT an example of an installment loan? (Required.)

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48. What is the best way to improve a bad credit history? (Required.)

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49. Which of the following have the highest interest rates? (Required.)

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50. Which of the following is true about credit reports? (Required.)

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51. Which of the following is one of the Five C's of credit? (Required.)

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52. What is the highest possible credit score? (Required.)

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53. Which of the following is NOT considered good practice for protecting your credit? (Required.)

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54. Which of the following describes a debt management plan? (Required.)

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55. Which of the following is true about bankruptcy? (Required.)

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56. Which of the following types of bankruptcy allows you to keep your property? (Required.)

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57. Which of the following types of bankruptcy results in losing most of your property? (Required.)

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58. What is the primary reason people invest their money? (Required.)

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59. Which of the following is defined as setting aside a portion of current income for future use? (Required.)

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60. How are risks and rewards related to each other? (Required.)

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61. A promise to repay borrowed money at a fixed rate of interest in the future is known as which of the following? (Required.)

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62. Which term describes shares in the ownership of a corporation? (Required.)

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63. How do you determine your net worth? (Required.)

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64. To create investing and savings goals, you should _____. (Required.)

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65. Which of the following is the risk that investments will lose money when the whole market declines? (Required.)

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66. What is one difference between IRAs and 401(k) plans? (Required.)

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67. Which of the following describes a benefit of purchasing insurance? (Required.)

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68. Which of the following is NOT an example of a type of insurance? (Required.)

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69. Which of the following describes risk? (Required.)

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70. Installing smoke detectors is an example of which of the following? (Required.)

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71. Which of the following describes money paid to an insurance company to obtain an insurance policy? (Required.)

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72. Which of the following describes a type of insurance policy for people who are unable to work? (Required.)

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73. Which term describes a request asking an insurance company to pay policy benefits? (Required.)

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74. Which of the following must be paid before an insurance company will pay benefits? (Required.)

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75. Consequences are defined as _____. (Required.)

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76. A decision tree should _____. (Required.)

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77. Which are elements of decision analysis? (Required.)

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78. An investment that falls in value following an economic downturn is described as which of the following? (Required.)

Thank you for participating in this survey!

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