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QUESTIONS:

 SAVING
1. When It comes to saving money, the amount you save is
determined by how much money you have left at the end of
the month once all of your spending is done.
o TRUE
o FALSE*
2. Your emergency fund should be kept in the same place as
your spending money
o TRUE
o FALSE*
3. When you're just a student, you won't ever need to have an
emergency fund
o TRUE
o FALSE*
4. When you make the commitment to start saving as soon as
possible, you will make a budget and try to cut out things you
don’t need.
o TRUE*
o FALSE
5. Philippines has one of the lowest savings rates in Southeast
Asia, only 1 in 4 Filipino households has savings because of
the lack in discipline and commitment to stay on the savings
path.
o TRUE*
o FALSE
 FINANCIAL PLANNING
1. Everyone should have the same financial plan
o TRUE
o FALSE*

2. You should never change or alter a financial plan regardless


of the situation.
o TRUE
o FALSE*

3. The first step in building a financial planning for


yourself is to determine your financial situation
o TRUE*
o FALSE

4. You should review and revise your personal financial


plans once a year or when significant events occur
o TRUE
o FALSE*

5. The overall objective of financial planning is to optimize


profits by making best use of money.
o TRUE*
 FALSE
 INVESTMENTS
1. We should structure our investment portfolio by the
balanced approach of stocks, mutual funds, bonds,
and savings
o TRUE*
o FALSE

2. The top three prospective investing countries in the second


quarter of 2019 are Singapore, Japan, and the Netherlands.
Pledges from Singapore reached PhP 36.2 billion or 73.0
percent of the total approved FI while Japan and
Netherlands committed PhP 4.0 billion and PhP 1.3 billion,
or 8.2 percent and 2.6 percent, respectively.
o TRUE*
o FALSE
3. Cash flow estimation begins with looking at the change in
revenue resulting from an investment.
o TRUE*
o FALSE
4. Investors can avoid unnecessary risk by making the right
investments based upon their effective environmental
scanning.
o TRUE
o FALSE*
5. In Investments the higher the return, the higher the risk.
o TRUE*
o FALSE
 DEBT MANAGEMENT
1. When we use our debit card, the money is automatically
withdrawn from our checking account
o TRUE*
o FALSE
2. The cost of debt is generally greater than the cost of equity
capital.
o TRUE
o FALSE*
3. The best way to beat debt is to use every tool you have at
your disposal. Negotiation, balance transfers and
consolidation can all help knock down your interest rate.
o TRUE*
o FALSE
4. Keeping a budget helps ensure you have enough money to
cover your monthly expenses. A budget also helps you plan
to spend any extra money you have left after expenses are
covered. You can use this extra money to pay off debt faster.
o TRUE*
o FALSE
5. Paying down debt means paying less interest charges,
freeing up money for other needs. The more you apply to debt
repayment, the more money you’ll have available for other
things.
o TRUE*
o FALSE
o ENTREPENEURSHIP
1. An entrepreneur must strike an excellent balance between
being a risk taker and someone who carefully evaluates a
decision.
o TRUE*
o FALSE

2. Entrepreneur gets the chance to participate in a venture that


they enjoy. This increases the chances of success in the
venture.
o TRUE*
o FALSE
3. An entrepreneur can be both an employee and an owner.
o TRUE*
o FALSE
4. In preparing the business plan, entrepreneurs can provide
their own perspective and should consider the needs of
external sources.
o TRUE*
o FALSE
5. When developing operating and capital budgets, the
entrepreneur can seek advice from experts, but should retain
the final say so.
o TRUE*
o FALSE

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