TRƯỜNG ĐH KINH TẾ QUỐC DÂN
ĐỀ THI HỌC PHẦN: Quản lý tài chính cá nhân và gia đình
Hệ: CQ- TT
Ngày thi: 13/11/2021 Ca thi: 3 Thời gian làm bài: 90 phút
Bộ môn: Chương trình Tiên tiến
ĐỀ SỐ: 305
Câu 1: True or False and Explain shortly (0.5 mark per each)
1. Because of the potential effect of inflation, individuals should underestimate the amount of money needed for
retirement
2. The financial activities for a young, single person will probably be the same as those for an older couple with no
dependent children at home.
3. Money management refers to annual financial activities necessary to manage personal economic resources
4. Closed-end credit consists of loans made on a continuous basis with periodic bills for at least partial payment
5. Insurance is protection against possible all loss.
6. If you are unable to make your credit card payments, you should not contact your credit card company
Câu 2: Exercise (1mark per each)
1. Gwendolyn Francis is interested in buying a bond that pays $70 annually. The current price of the bond is $900.
What is her current yield?
2. Marianne and Roger are in good health and have reasonably secure careers. Each earns $45,000 annually. They
own a home with a $125,000 mortgage; they owe $25,000 for their car loans and have $22,000 in student loans.
If one should die, they think that funeral expenses would be $12,000. What is their total insurance need using the
DINK method?
Câu 3: Mini-case study (5marks)
Consider Gretchen’s budget worksheet for June, and then answer the questions
1.
2.
3.
4.
How much was Gretchen able to save in June?
Which sources of her income may not be the same from month to month?
Which types of spending might not be the same from month to month?
Why would a series of short-term budget worksheets be needed to develop a long-term budget?
Date
Income
Source
Amount
Spending
Purpose
Date
Amount
7/6
Wages
423.52
3/6
New sweater
33.86
9/6
Birthday gift
50.00
12/6
Car insurance
48.29
21/6
Wages
423.52
15/6
Rent
350.00
23/6
Babysitting job
25.00
23/6
Credit card bill
296.04
30/6
Savings interest
8.92
25/6
Telephone bill
53.41
26/6
Grocerries
69.30
29/6
Doctor’s visit
50.00
Ghi chú: Cán bộ coi thi không giải thích gì thêm. Đề thi được được sử dụng tài liệu.