Civics Personal Finance
Review Sheet: Final Exam (10% of course grade)
The exam is worth 10% of your course grade. You will also turn in your Civics notebook on this
day. You may not turn in your notebook late. All make-up and late work for the 4th nine weeks
is also due on this day. This is the last grade of the spring semester and it will determine your
credit for Personal Finance and affect your high school GPA calculation. It is therefore vital
that you study for this examination.
How to Review
The final exam will cover content presented throughout the entire personal finance half of the
course. Your notes will be the primary source of questions for the exam. You should also review
your vocabulary definitions and examples to supplement your study.
Important Terms & Concepts for the Exam
Familiarize yourself with these items and their contexts as you study for the exam. You should
also pay careful attention to statistics that were given with these in your notes. If you can define
these terms and explain associated concepts, you should do well.
Earning, Saving, and Investing Money
403(b), Balanced Fund, Bond, Bank Interest Rates, Blue Chip Stock, Brokerage Firm, Career,
Certificate of Deposit (CD), Common Stock, Compound Interest, Contribution Limits, Corporate
Bond, Cyclical Stock, Defensive Stock, Discount Brokerage, Diversification, Dividends, Dow
Jones Industrial Average, Earnings-per-share, FDIC Insurance, Full-Service Brokerage, Growth
Stock, Income Stock, Index Fund, Individual Retirement Account (IRA), Inflation, Interest
Rates, Job, Large-Cap Companies, Load Fund, Long-term Investing, Market Capitalization, MidCap Companies, Money Market Account, Mutual Fund, NASDAQ, Pay Yourself First, Preferred
Stock, Private Corporation, Profit, Prospectus, Public Corporation, Roth 401(k), Rule of 72, S&P
500, Savings Account, Short-term Savings, Small-Cap Companies, Stock Symbol
Taxes
1099-DIV, 1099-INT, Capital Gains, Dividend Income, Estate Tax, Government Services, FICA,
Income Tax, Interest Income, Medicare, Property Tax, Sales Tax, Social Security, Taxes, W-2,
W-4
Credit & Insurance
Auto Insurance, Charge Card, Coverage Limit, Credit, Credit Card, Debit Card, Deductible,
Disability Insurance, Grace Period, Health Insurance, Home Owner's Insurance, Insurance
Policy, Life Insurance, Premium, Revolving Credit Line, Secured Credit Card, Sub-prime Credit
Card