Test Your High-Level Personal Finance Knowledge
Challenge yourself with eight rigorous questions covering sophisticated personal finance concepts and calculations.
Quiz Questions
Answer all questions below and test your knowledge.
- 1
What is the effective annual rate (EAR) of a loan with a nominal APR of 9% compounded monthly?
- 2
Which tax‑advantaged account permits penalty‑free withdrawals for qualified higher‑education expenses?
- 3
If an individual contributes $6,000 annually to a retirement fund that earns 6% compounded annually, what will be the balance after 30 years, ignoring taxes?
- 4
A homeowner refinances a $250,000 mortgage at 3.5% annual interest for 15 years. What is the monthly principal and interest payment?
- 5
Which financial ratio is most appropriate for assessing an individual's ability to meet short‑term obligations?
- 6
An investor purchases a zero‑coupon bond for $4,800 that will pay $10,000 in 8 years. What is the bond’s annualized yield to maturity?
- 7
Under the U.S. tax code, which filing status yields the highest standard deduction for a single taxpayer in 2025?
- 8
If a person’s monthly cash inflow is $5,200 and cash outflow is $4,350, what is their monthly net cash flow?
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