Ugba 135 Study guides, Class notes & Summaries
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![UGBA 135 Midterm-- Questions with complete solution 2023/2024](/docpics/4311220/65b0390b0583c_4311220_121_171.jpeg)
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UGBA 135 Midterm-- Questions with complete solution 2023/2024
- Exam (elaborations) • 19 pages • 2024
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UGBA 135 Midterm-- Questions with complete solution 2023/2024 21st Century Millionare - correct answer - Someone who can financially take care of themselves without help from any government agency, living the life they want to lead 
- After working for 40 years, only 5% of people are financially independent (don't need government assistance) 
- Cornerstone of their wealth = being frugal (not cheap, but value-oriented) --> budget and spend carefully, live within their means 
- People who succ...
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UGBA 135 Midterm questions with verified solutions 2023/2024
- Exam (elaborations) • 19 pages • 2023
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UGBA 135 Midterm 
21st Century Millionare - correct answer - Someone who can financially take care of themselves without help from any government agency, living the life they want to lead 
- After working for 40 years, only 5% of people are financially independent (don't need government assistance) 
- Cornerstone of their wealth = being frugal (not cheap, but value-oriented) --> budget and spend carefully, live within their means 
- People who succeed have goals 
 
Do not outlive your money ...
![UGBA 135 Final Exam (Fall 2022)](/docpics/3301488/64e69ef0d2f8c_3301488_121_171.jpeg)
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UGBA 135 Final Exam (Fall 2022)
- Exam (elaborations) • 23 pages • 2023
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UGBA 135 Final Exam (Fall 2022)
![UGBA 135 Midterm-- Question and answers rated A+ 2023/2024](/docpics/4311230/65b03958243b5_4311230_121_171.jpeg)
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UGBA 135 Midterm-- Question and answers rated A+ 2023/2024
- Exam (elaborations) • 14 pages • 2024
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UGBA 135 Midterm-- Question and answers rated A+ 2023/2024 
Emergency fund - correct answer in a savings account 3-6 months living expenses 
 
Definition of millionaire - correct answer financially independent 
 
Rule of 72 - correct answer The number of years it takes for a certain amount to double in value is equal to 72 divided by its annual rate of interest. 
 
Each time you get paycheck, what is % goal you should put away (savings goal) - correct answer 20%
![UGBA 135 FINAL Exam With 100% Correct Answers 2023](/docpics/3313580/64e8a12d46141_3313580_121_171.jpeg)
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UGBA 135 FINAL Exam With 100% Correct Answers 2023
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UGBA 135 FINAL Exam With 100% Correct Answers 2023 
Mortgage 
- Legal document that pledges a piece of property as collateral to repay the lender 
- Lender can take possession of the property if you cannot repay and sell for profit 
 
 
 
First Mortgage 
- primary loan with priority on claims in case of default 
- First mortgage is secured by a piece of property, has first claim on the property, a legal loan documents. 
 
 
 
Second Mortgage 
- riskier, because paid off second 
- higher rate of ...
![UGBA 135 Midterm Question and answers already passed 2023/2024](/docpics/4311248/65b039f4eec47_4311248_121_171.jpeg)
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UGBA 135 Midterm Question and answers already passed 2023/2024
- Exam (elaborations) • 16 pages • 2024
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UGBA 135 Midterm Question and answers already passed 2023/2024FICO Score - correct answer measure of consumer credit risk 
 
Highest FICO Score - correct answer 850 
 
Factors determining FICO Score - correct answer Credit report is based on: 
-35% paying your bills on time over time 
-30% your debt-to-credit ratio ( borrowing money/ credit limit) 
-15% length of credit history 
-10% mix of credit cards and loans (like to see things other than credit card; Rent, any loan (e.g. leasing car)) 
-10...
![UGBA 135 Final Exam Questions Correctly Answered 2024.](/docpics/5084287/6627b4e2a944e_5084287_121_171.jpeg)
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UGBA 135 Final Exam Questions Correctly Answered 2024.
- Exam (elaborations) • 19 pages • 2024
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UGBA 135 Final Exam Questions Correctly Answered is the greatest factor that determines your credit score? - correct answer paying bills on time over time 
 
the "cornerstone" of wealth is? - correct answer being frugal, not cheap but value oriented 
 
what is the minimum criteria for a credit score? - correct answer - at least one reported "account" which has been open for at least six months 
- at least one report that has been reported by a lender in the last six months and nothing that ...
![UGBA 135 Midterm Correctly Answered Questions 2024.](/docpics/5084234/6627b37ad08c1_5084234_121_171.jpeg)
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UGBA 135 Midterm Correctly Answered Questions 2024.
- Exam (elaborations) • 16 pages • 2024
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UGBA 135 Midterm Correctly Answered Questions 2024. 
FICO Score - correct answer measure of consumer credit risk 
 
Highest FICO Score - correct answer 850 
 
Factors determining FICO Score - correct answer Credit report is based on: 
-35% paying your bills on time over time 
-30% your debt-to-credit ratio ( borrowing money/ credit limit) 
-15% length of credit history 
-10% mix of credit cards and loans (like to see things other than credit card; Rent, any loan (e.g. leasing car)) 
-10% new acc...
![UGBA 135 Final Exam With 100% Correct Answers 2023](/docpics/3313513/64e89ea08ed4a_3313513_121_171.jpeg)
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UGBA 135 Final Exam With 100% Correct Answers 2023
- Exam (elaborations) • 26 pages • 2023
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UGBA 135 Final Exam With 100% Correct Answers 2023
![UGBA 135 Midterm Review Practice Test 2024.](/docpics/5084220/6627b2fcc5609_5084220_121_171.jpeg)
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UGBA 135 Midterm Review Practice Test 2024.
- Exam (elaborations) • 14 pages • 2024
- Available in package deal
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- $11.99
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UGBA 135 Midterm Review Practice Test 2024. 
Emergency fund - correct answer in a savings account 3-6 months living expenses 
 
Definition of millionaire - correct answer financially independent 
 
Rule of 72 - correct answer The number of years it takes for a certain amount to double in value is equal to 72 divided by its annual rate of interest. 
 
Each time you get paycheck, what is % goal you should put away (savings goal) - correct answer 20% 
 
What does being frugal mean - correct answer ...
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