Ugba 135 - Study guides, Class notes & Summaries

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UGBA 135 Midterm #1 Exam With 100% Correct Answers 2023 21st Century Millionare - 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 D...

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What is a charge card? - ️️- Issued by a retailer allowing you to charge purchases made only with their store - store credit usually carries high rates or interest as high as 20 - 30% on unpaid balances What is prepaid card? - ️️- Offered by banks and non- banks - not linked to one's bank account - entails high fees and interest What is interest - ️️THE COST OF MONEY - paid by the borrower to obtain the used of the principal or received by the lender for providing the pri...

If you carry a credit card balance: - ️️The interest rates for purchases, cash advances, and convenience checks may be different. With a deferred interest plan, if you are late in your payments - ️️You may be charged interest in the entire balance In terms of annual income, to be in the top 1% of households, annual earnings should exceed about - ️️400,000 Of all of the money the government spends, approximately what % is spent on senior citizens? - ️️40% According to the ...

UGBA 135 Final

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