# 2002 JUMP\$TART QUESTIONNAIRE. (Mean score = Scores are in bold type. *Indicates correct answer Percentages in red are the totals for Wisconsin)

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3 10. Ron and Molly are the same age. At age 25 Molly began saving \$2,000 a year while Ron saved nothing. At age 50, Ron realized that he needed money for retirement and started saving \$4,000 per year while Molly kept saving her \$2,000. Now they are both 75 years old. Who has the most money in his or her retirement account? 23.4% a) they would each have the same amount because they put away exactly the same 7.0% b) Ron, because he saved more each year 9.8% c) Molly, because she has put away more money *59.8% d) Molly, because her money has grown for a longer time at compound interest WI-73.0% 11. If your credit card is stolen and the thief runs up a total of \$1,000, but you notify the issuer of the card as soon as you discover it is missing, how much will you be responsible to pay? 69.3% a) none. *7.7% b) \$ % c) \$ % d) \$500 WI-4.3% 12. If you had a savings account at a bank, which of the following would be correct concerning the interest that you would earn on this account? 49.9% a) earnings from savings account interest may not be taxed 16.1% b) sales tax may be charged on the interest that you earn *26.6% c) income tax may be charged on the interest if your income is high enough 7.4% d) you cannot earn interest until you pass your 18 th birthday WI-31.4% 13. Which of the following credit card users is likely to pay the GREATEST dollar amount in finance charges per year if they all charge the same amount per year on their cards? 15.2% a) Ellen who always pays off her credit card bill in full shortly after she receives it. 10.6% b) Barbara, who generally pays off her credit card in full but occasionally will pay the minimum when she is short of cash. 12.3% c) Paul, who pays at least the minimum amount each month and more when he has the money. *61.8% d) Nancy who only pays the minimum amount each month WI-82.2% 3

4 14. Matthew and Alicia just had a baby. They received money as baby gifts and want to put it away for the baby's education. Which of the following is likely to have the highest growth over the next 18 years? 37.5% a) a savings account 3.6% b) a checking account 40.2% c) a U.S. Govt. savings bond *18.7% d) stocks WI-28.6% 15. Many savings programs are protected by the Federal government against loss. Which of the following is not? 9.3% a) a U. S. Savings Bond 50.8% b) a certificate of deposit at the bank 12.7% c) a U. S. Treasury Bond *27.1% d) a Bond issued by one of the 50 States WI-34.6% 16. Which of the following instruments is NOT typically associated with spending. 3.4% a) credit card 3.8% b) cash *84.9% c) certificate of Deposit 7.9% d) ATM (Automated Teller Machine) Card WI-94.1% 17. John worked his way through college earning \$15,000 per year. After graduation his first job pays \$30,000. The total dollar amount John will have to pay in Federal Income taxes in his new job will: 9.5% a) be lower than when he was in college 10.4% b) stay the same as when he was in college 42.4% c) go up a little from when he was in college *37.7% d) double, at least, from when he was in college WI-46.5% 18. Ed and Bob are young men. Each has a good credit history. They work at the same company and make approximately the same salary. Ed has borrowed \$2,500 to buy a car. Bob has borrowed \$2,500 to take a foreign vacation. Who is likely to pay the lowest finance charge? 19.1% a) they will both pay the same because they have almost identical financial backgrounds 13.9% b) Bob will pay less because people who travel overseas are better risks *45.5% c) Ed will pay less because the car is collateral for the loan 21.6% d) they will both pay the same because the rate is set by law WI-58.4% 4

5 19. Inflation can cause difficulty in many ways. Which group would have the greatest problem during periods of high inflation? 10.1% a) young couples with no children who both work 44.2% b) young working couples with children 11.1% c) older, working couples saving for retirement *34.7% d) older people living on fixed retirement income WI-43.2% 20. Courtney and Sabrina are employed by the same company and earn the same pay. Courtney spends her free time taking work related classes to improve her computer skills; while Sabrina spends her free time socializing with friends and working out at a fitness center. After five years what is likely to be true? 6.0% a) Sabrina will make more because she is more social 9.7% b) Courtney and Sabrina will continue to make the same money *79.6% c) Courtney will make more money because she is more valuable to her company 4.7% d) Sabrina will make more because Courtney is likely to be laid off WI-93% 21. Jim just found a job with a take home pay of \$1,000 per month. He must pay \$450 for rent and \$100 for groceries each month. He also spends \$100 per month on transportation. If he budgets \$50 each month for clothing, \$75 for restaurants and \$50 for everything else, how long will it take him to accumulate savings of \$ % a) 2 months *53.3% b) 4 months 27.1% c) 6 months 10.8% d) 8 months WI-58.9% 22. If you are behind on your debt payments and go to a responsible credit counseling service such as the Consumer Credit Counseling Services, what help can they give you? 5.9% a) they can force those who loaned you money to forgive all your debts 17.0% b) they can get the federal government to apply your income taxes to pay off your debts 11.6% c) they can cancel and cut up all of your credit cards without your permission *65.4% d) they can work with those who loaned you money to set up a new payment WI-80.5% schedule that you can meet 23. Which of the following statements is NOT correct about most ATM (Automated Teller Machine) cards? 9.1% a) you must have a bank account to have an ATM Card. *73.0% b) you can get cash anywhere in the world with no fee 11.5% c) you can generally obtain information concerning your bank balance at an ATM machine. 6.4% d) you can generally get cash 24 hours a day WI-75.1% 5

6 24. Retirement income paid by a company is called: 33.3% a) Social Security 3.8% b) rents & profits 27.7% c) 401k *35.1% d) pension WI-35.1% 25. Your take home pay from your job is less than the total amount you earn. Which of the following best describes what is taken out of your total pay? 18.9% a) federal income tax, sales tax, and social security contribution 20.6% b) federal income tax, property tax, and Medicare and social security contributions 8.8% c) social security and Medicare contributions *51.7% d) federal income tax, social security and Medicare contributions WI-69.7% 26. Which of the following statements is true? 11.3% a) if you missed a payment more than 2 years ago, it cannot be considered in a loan decision 8.0% b) people have so many loans it is very unlikely that one bank will know your history with another bank *68.7% c) banks and other lenders share the credit history of their borrowers with each other and are likely to know of any loan payments that you have missed 12.0% d) your bad loan payment record with one bank will not be considered if you apply to another bank for a loan WI-83.2% 27. Paula has saved \$8,000 for her college expenses by working part-time. She plans to start college next year and needs all of the money she saved. Which of the following is the safest place for her college money? 5.1% a) locked in her closet at home 6.9% b) stocks 9.6% c) corporate bonds *78.3% d) a bank savings account WI-90.8% 28. Which of the following best describes the primary sources of income for most people age 20-35? 10.6% a) profits from business 9.4% b) dividends & interest 8.7% c) rents *71.4% d) salaries, wages, tips WI-84.9% 6

8 % d) \$80,000 or more % e) don t know 36. How do you describe yourself? % a) White or Caucasian % b) Black or African-American % c) Hispanic American % d) Asian-American % e) Native American or American Indian % f) Other 37. What is the highest level of schooling your father or mother completed? % a) Neither completed high school % b) Completed high school % c) Some college % d) College graduate or more than college % e) Don t know 38. What type of work do you intend to do when you finish school? % a) Manual work such as truck driver, laborer, farm worker % b) Skilled trade such as plumber, electrician % c) Service worker such as secretary, food service worker, office worker, police officer, firefighter % d) Professional worker such as nurse, computer programmer, lawyer, doctor, teacher, engineer % e) Other or don t know 39. When you start to work full-time, after you finish your education, how much do you expect to make per year before deductions for taxes and other items? % a) Under \$15, % b) \$15,000 to \$19, % c) \$20,000 to \$29, % d) \$30,000 or more % e) Don t know 40. Whose credit card do you use? % a)my own % b)my parents % c)both my own and my parents % d)none, I don t use a credit card 41. Do you have an ATM (Automated Teller Machine) card? % a)yes % b)no 8

10 48. Where did you learn most about managing your money? % a) At home from my family % b) At school in class % c) From talking with my friends % d) From magazines, books, TV and the radio % e) From experience in managing my own funds 49. Which of the following classes have you had in high school (circle all that apply)? % a) An entire course in money management or personal finance % b) A portion of a course (at least a week) in money management or personal finance % c) An entire course in economics % d) A portion of a course (at least a week) in economics % e) A class in which we played a stock market game Nationally, the average score in the 2002 survey was: 50.2% Wisconsin s Overall Score: 58.8% Money Score: 51.5% Income Score: 68.0% Saving Score: 50.2% Spend Score: 62.4% Credit Score: 57.5% For more information about the Jump\$tart coalition visit 10

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