Test Bank For Personal Finance 11th Edition by E. Thomas Garman

Test Bank for Personal Finance 11th Edition by E. Thomas Garman is a complete resource for anyone looking to improve their financial literacy and personal finance knowledge. TestBank’s comprehensive library of questions and answers is designed to provide useful practice material on topics such as budgeting, savings, debt management, and retirement planning.

TestBank allows users to create customized tests that can be taken at home or in a classroom setting, giving users more control over their learning experience. TestBank is an invaluable tool for anyone looking to become financially independent and build a brighter future.

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ISBN-10 ‏ :1111531013 ISBN-13 :978-1111531010

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Test Bank For Personal Finance 11th Edition by E. Thomas Garman

Test Bank for Personal Finance 11th Edition by E. Thomas Garman is a collection of practice questions, problems, and exams designed to help students evaluate their understanding and mastery of the topics covered in the textbook. The test bank includes a range of question types, such as multiple-choice, true/false, and short-answer questions, which can be used to create quizzes, tests, and exams for students.

The 11th edition of Personal Finance provides a comprehensive introduction to personal finance, including financial planning, budgeting, investing, insurance, and retirement planning. The test bank covers all the major topics of the textbook, such as personal financial planning, time value of money, credit management, consumer loans, housing, insurance, taxes, and estate planning.

The questions in the test bank are organized by chapter and topic, making it easy for instructors to select questions that align with their lesson plans. In addition to standard questions, the test bank also includes critical thinking and application questions that require students to apply their knowledge to real-world scenarios.

The test bank for Personal Finance 11th Edition by E. Thomas Garman is a valuable resource for instructors who want to create engaging and challenging assessments for their students. By using the test bank, instructors can save time and effort in creating and grading exams, while also ensuring that their assessments accurately reflect the content and learning objectives of the textbook.

Chapter 2—Career Planning

TRUE/FALSE

1.Effective career planning will help you identify an employment pathway that aligns your interests and abilities with the tasks expected.

ANS: T PTS: 1 DIF: easy REF: p. 36

2.The time and effort you put into your career planning effort will affect how much income you earn and how far you advance in your career.

ANS: T PTS: 1 DIF: easy REF: p. 36

3.A career goal can be a specific job or field of work.

ANS: T PTS: 1 DIF: easy REF: p. 37

4.A career plan provides guidance to help you attain your career goals.

ANS: T PTS: 1 DIF: easy REF: p. 36

5.Interest inventories are the qualities that allow you to perform job-related tasks.

ANS: F

interest inventories help people assess the activities that give them satisfaction.

PTS: 1 DIF: easy REF: p. 37

6.According to the U.S. Census Bureau, adults with an advanced degree earn approximately $48,000 more per year than adults with only a high school diploma.

ANS: T PTS: 1 DIF: moderate REF: p. 37

7.According to the U.S. Census Bureau, adults with an advanced degree earn approximately $48,000 more per year than adults with only a bachelor’s degree.

ANS: F

those with advance degrees earn $26,000 more.

PTS: 1 DIF: moderate REF: p. 44

8.According to the U.S. Census Bureau, getting an advanced degree has a bigger impact on annual income (as compared to a bachelor’s degree) than getting a bachelor’s degree (as compared to graduating from high school).

ANS: T PTS: 1 DIF: moderate REF: p. 44

9.According to the U.S. Census Bureau, adults with a bachelor’s degree earn approximately $22,000 more per year than adults with only a high school diploma.

ANS: T PTS: 1 DIF: moderate REF: p. 44

10.An internship  may allow you to develop new skills as well as a chance to network.

ANS: T PTS: 1 DIF: easy REF: p. 39

11.Weighing the demands of particular jobs with your social and cultural preferences involves making lifestyle trade-offs.

ANS: T PTS: 1 DIF: easy REF: p. 38

12.Dual-career couples normally have an easier time resolving quality-of-life issues.

ANS: F

quality of life issues are more complex when there are two workers.

PTS: 1 DIF: easy REF: p. 39

13.Professional networking is the process of establishing and using contacts to obtain and exchange career information.

ANS: T PTS: 1 DIF: easy REF: p. 40

14.High-demand occupations tend to pay low salaries.

ANS: F

high demand occupations pay higher salaries.

PTS: 1 DIF: easy REF: p. 42

15.Most of the contacts you make through networking will be in a position to offer you a job.

ANS: F

most contacts will not be in a position to offer a job but still provide valuable leads.

PTS: 1 DIF: moderate REF: p. 40

16.As many as 75 percent of all job openings are listed in want ads.

ANS: F

fewer and fewer job openings are posted in want ads.

PTS: 1 DIF: moderate REF: p. 40

17.Approximately 7 percent of workers work at home online.

ANS: T PTS: 1 DIF: moderate REF: p. 43

18.When comparing salary offers from employers in different cities, you should gather information regarding the approximate cost of living in each city.

ANS: T PTS: 1 DIF: easy REF: p. 56

19.Comparing salary offers from employers located in different cities can be difficult without sufficient information on the approximate cost of living in each community.

ANS: T PTS: 1 DIF: moderate REF: p. 56

20.Nonsalary benefits are forms of compensation that result in the employee not having to pay out-of-pocket money for certain expenses.

ANS: T PTS: 1 DIF: easy REF: p. 44

21.Job seekers should focus primarily on salary as employee benefits are not a major contributor to overall compensation.

ANS: F

nonsalary benefits can be 25 percent or more above a worker’s salary.

PTS: 1 DIF: moderate REF: p. 44

22.Salaried employees are paid overtime, and the majority of college graduates have salaried positions.

ANS: F

salaried employee generally are not paid overtime.

PTS: 1 DIF: easy REF: p. 46

23.When you leave an employer, you have the right to continue your health insurance coverage for a specified period of time by paying the premiums yourself.

ANS: T PTS: 1 DIF: easy REF: p. 47

24.Nearly 20 percent of workers cash out all of the money they have accrued in their employer-sponsored retirement plan when changing jobs.

ANS: F

nearly half of workers make this financially costly decision.

PTS: 1 DIF: moderate REF: p. 45

25.A résumé is a summary record of your education, training, experience, and other qualifications.

ANS: T PTS: 1 DIF: easy REF: p. 47

26.A secondary function of a résumé is to provide a basis for screening applicants out of contention for a job.

ANS: F

this is the primary function of requiring a résumé.

PTS: 1 DIF: moderate REF: p. 47

27.A résumé in a chronological format would position the first of your previous three jobs at the beginning of the document.

ANS: F

in this format jobs are listed placing the most recent first

PTS: 1 DIF: moderate REF: p. 48

28.A résumé in a chronological format would position the first of your previous three jobs at the end of the experience section of the document.

ANS: T PTS: 1 DIF: moderate REF: p. 48

29.A common mistake in résumés is to list specific accomplishments instead of listing the functions and responsibilities that you had in your previous jobs.

ANS: F

this is the preferred approach.

PTS: 1 DIF: moderate REF: p. 48

30.Posting your résumé on Monster.com is all you need to do to get a good job.

ANS: F

you should never rely on just one approach when seeking a job.

PTS: 1 DIF: moderate REF: p. 48-49

31.Employers can obtain your credit report and may use the information contained in the report to make an employment decision.

ANS: T PTS: 1 DIF: moderate REF: p. 47

32.Most employment agencies earn their fees from the individual searching for a job.

ANS: F

fees are most commonly paid by the employer.

PTS: 1 DIF: easy REF: p. 51

33.The main purpose of a cover letter is to indicate a desired a salary.

ANS: F

the cover letter provides an introduction to the employer and salary preferences should not be discussed.

PTS: 1 DIF: easy REF: p. 52

34.A cover letter should be designed for each specific position for which you are applying.

ANS: T PTS: 1 DIF: easy REF: p. 52

35.The same cover letter with the appropriate address and salutation can be used when seeking interviews from multiple employers.

ANS: F

cover letters should be tailored to the specific position being sought.

PTS: 1 DIF: moderate REF: p. 52

36.After mailing off a cover letter, you should wait at least a month before you contact the employer.

ANS: F

two-weeks is ample time for following up on a cover letter

PTS: 1 DIF: easy REF: p. 53

37.Whenever you request that someone write a reference letter you should provide the person with your resume.

ANS: T PTS: 1 DIF: easy REF: p. 53

38.You should avoid using specific abilities such as using MicroSoft Office in your résumé.

ANS: F

such terms are often looked for in scanning software and will help you stand out from the crowd.

PTS: 1 DIF: moderate REF: p. 47

39.Prior to a job interview, you should research the company, the company’s competitors, and the industry.

ANS: T PTS: 1 DIF: moderate REF: p. 54

40.Misrepresenting a few small facts or exaggerating a bit during an interview is expected and should not have a negative impact during a job interview.

ANS: F

any such statements will call into question the other information in your résumé and statements made during the interview.

PTS: 1 DIF: easy REF: p. 55

41.After a job interview, you should immediately e-mail a thank-you note and restate your interest in the position.

ANS: F

e-mailed thank you notes should only be used if you are very sure this is the preferred method of contact.

PTS: 1 DIF: moderate REF: p. 56

42.You should discuss salary during the job interview, but you should not offer a definitive dollar amount.

ANS: F

wait until a job offer has been tendered to discuss salary.

PTS: 1 DIF: moderate REF: p. 56

43.In most cases, you should not turn down a job offer without taking a day or two to think it over.

ANS: T PTS: 1 DIF: easy REF: p. 57

44.Failure to obtain a job offer after an interview is most likely due to some failing during the interview.

ANS: F

failure to obtain an offer is simply due to a mismatch between the applicant’s qualities and the needs of the employer.

PTS: 1 DIF: easy REF: p. 56

45.You should use key terms such as honesty and teamwork in your résumé.

ANS: T PTS: 1 DIF: easy REF: p. 50

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