DST Event Registration

Workshop Registration

First Name *

Last Name *

Email Address *

How did you hear about this event? *Friend or colleagueSocial MediaFlyerOther

Have you registered for a previous workshop? *YesNo

Are you 18 years of age or older? *YesNo

Workshop Questionnaire

Minor

What is a budget? *A plan for how to spend and save moneyA type of bank accountA loan from the bank

Why is it important to save money? *To buy things you want immediatelyTo have money for future needs and emergenciesTo avoid paying taxes

What is a credit card *A card that allows you to borrow money to make purchasesA card that only lets you spend the money you haveA card used to withdraw cash from an ATM

What does it mean to invest money *To spend money on everyday itemsTo put money into something with the hope of making more moneyTo save money in a piggy bank

What is a loan? *Money given to you by a friendMoney borrowed from a bank that must be paid back with interestA gift of money from your parents

What is a checking account used for? *Saving money for long-term goalsEveryday transactions like paying bills and shoppingInvesting in the stock market

What is a savings account? *An account for everyday spendingAn account to save money and earn interestAn account for borrowing money

What is a financial goal? *A plan for how to spend money on fun activitiesA target for how much money you want to save or earnA list of things you want to buy

What is a debit card? *A card that allows you to borrow moneyA card that deducts money directly from your checking accountA card used to earn rewards points

Why should you avoid debt? *Because it helps you save more moneyBecause it can lead to financial problems if not managed wellBecause it is illegal

What is a paycheck? *Money given to you by your parentsMoney you earn from workingMoney you find on the street

What is a financial plan? *A plan for how to spend all your money quicklyA strategy for managing your money to achieve financial goalsA list of things you want to buy

What is an emergency fund? *Money set aside for unexpected expensesMoney saved for a vacationMoney used to buy gifts

What is a budget deficit? *When you have more money than you needWhen you spend more money than you earnWhen you save more money than you spend

What is a stock? *A type of savings accountA share in the ownership of a companyA loan from the bank

Workshop Questionnaire

Adult

What is a budget? *A spending plan showing sources and uses of incomeA limit on spending that cannot be exceededThe amount of money that a credit card will let you charge without penaltiesA record of past expenses

Which of the following is the primary function of insurance? *Making risk disappearPooling and sharing risk among the insuredMaking someone else pay for an accident or loss

Which of the following has historically had the highest rate of return over long periods of time? *Bank savings accountsBondsStocksReal estate

What is a credit score? *A measure of your incomeA measure of your creditworthinessA measure of your assetsA measure of your debt

Which of the following would hurt your credit score? *Closing a long-held credit card accountPaying off student loan debtGetting marriedIncreasing your income

What is the purpose of a savings account? *To invest in stocksTo save money for future useTo pay off debtsTo avoid taxes

Which of the following is a fixed expense? *GroceriesRentEntertainmentClothing

What is an emergency fund? *Money set aside for unexpected expensesMoney invested in the stock marketMoney used to pay off credit card debtMoney saved for a vacation

Which of the following is a benefit of having a good credit score? *Higher interest rates on loansLower interest rates on loansMore credit card debtHigher taxes

What is a mortgage? *A type of investmentA loan used to purchase a homeA savings accountA type of insurance

Which of the following is considered a liability? *A car loanA savings accountA houseA retirement account

What is the purpose of a credit report? *To track your spending habitsTo provide a history of your credit activityTo calculate your net worthTo determine your income

Which of the following is a variable expense? *Mortgage paymentUtility billCar paymentInsurance premium

What is the best way to build credit? *Avoid using credit cardsPay your bills on timeMax out your credit cardsTake out multiple loans

What is the difference between a debit card and a credit card? *Debit cards allow you to borrow money; credit cards do notDebit cards are linked to your bank account; credit cards are notCredit cards have lower interest rates than debit cardsDebit cards offer rewards; credit cards do not

What is an interest rate? *The amount of money you borrowThe cost of borrowing moneyThe amount of money you saveThe cost of investing money

Which of the following is a good strategy for saving money? *Spend more than you earnSave a portion of your income regularlyAvoid creating a budgetUse credit cards for all purchases

What is the purpose of a retirement account? *To save money for educationTo save money for retirementTo pay off debtsTo invest in real estate

Which of the following is a benefit of investing in a diversified portfolio? *Higher riskLower riskGuaranteed returnsNo need to monitor investments