mgreiner28
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Consumer IQ quiz

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mgreiner28
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Consumer IQ Quiz

Frage 1 von 20

1

You get a call from IRS saying they have audited your 2013 tax return, and you owe $870. Should you:

Wähle eine der folgenden:

  • Call your accountant to get details of the audit

  • Set up a payment plan with the IRS to pay the money

  • Pay the back taxes with a credit card

  • Hang up the phone

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Frage 2 von 20

1

While shopping at a major grocery chain store, a box of cereal is priced at $2.00, but after you go through the checkout lane, you noticed you were charged $2.30. What should you do?

Wähle eine der folgenden:

  • Go to Customer Service and demand a 30 cent refund

  • Go to Customer Service and demand a $3.00 refund

  • Go home and file a complaint with the New York Attorney General because you were ripped off

  • It was an honest mistake, so you are not entitled to a refund

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Frage 3 von 20

1

At novelty shop that sells and trades collector's items, you spot a rare postage stamp that you know is worth $850, but the store clerk marked it $8.50. Should you:

Wähle eine der folgenden:

  • Buy it for $8.50 and resell it to another collector, at its regular price, for a huge profit

  • Buy it for $8.50 and add it to your collection for a big savings

  • Notify the retailer of the pricing error

  • Buy it for $850, then demand a "super refund" because of shop's error

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Frage 4 von 20

1

New York has a Used Car Lemon Law. Does the state have a New Car Lemon Law?

Wähle eine der folgenden:

  • yes

  • no

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Frage 5 von 20

1

The maximum mileage allowed for a Lemon Law warranty is:

Wähle eine der folgenden:

  • 50,000 miles

  • 36,000 miles

  • 100,000 miles

  • There is no limit

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Frage 6 von 20

1

The maximum age for a car to be covered by the Lemon Law is:

Wähle eine der folgenden:

  • 12 years

  • 8 years

  • No limit

  • 10 years

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Frage 7 von 20

1

When buying a used car, the dealer can prohibit you from taking a test drive?

Wähle eins der folgenden:

  • WAHR
  • FALSCH

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Frage 8 von 20

1

You get a phone call from your credit card company informing you that someone has used your card for a large purchase in another state. To confirm you are not a con artist, the caller asks you to confirm your address, birthdate, and place of employment. Then the caller asks you to give your Social Security Number to make sure it matches the number on file. Should you give your Social Security Number?

Wähle eine der folgenden:

  • Yes

  • No

Erklärung

Frage 9 von 20

1

Using a handful of coupons you clipped from a savings booklet, you noticed at checkout, the sales tax was applied to the regular price of your merchandise instead of the discounted price. Did the store charge too much for tax?

Wähle eine der folgenden:

  • Yes

  • No

Erklärung

Frage 10 von 20

1

Using coupons you found in the grocery store's weekly circular, you noticed the sales tax was:

Wähle eine der folgenden:

  • Applied to the regular price

  • Applied to the discount price

  • Was prorated, based on the number of store coupons you used

  • The coupons covered the sales tax, so you didn't pay any

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Frage 11 von 20

1

A snowplow contractor comes to your door and offers to plow your driveway for the entire winter, for $350 if you pay upfront, get a receipt, and he will send you the contract in the mail. But if you can't pay until next week, the price goes up to $450. Should you:

Wähle eine der folgenden:

  • Save the $100 and pay right away

  • Ask the contractor to come back when you can pay

  • Ask the contractor to send you a contract in the mail, while you look him up online, and compare his services to other contractors

  • Tell him to get lost because he is not a very good businessman

Erklärung

Frage 12 von 20

1

When making online purchases, which payment method provides the most security?

Wähle eine der folgenden:

  • Money order

  • Cash

  • Credit card

  • Wire transfer

Erklärung

Frage 13 von 20

1

Entering your name on the Do Not Call Registry has to be renewed how often?

Wähle eine der folgenden:

  • Every 5 years

  • Every 10 years

  • Every 15 years

  • You only have to register once

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Frage 14 von 20

1

Which of these will hurt your credit score the most?

Wähle eine der folgenden:

  • Filing backruptcy

  • Being 60 days late paying your credit card

  • Maxing out three out of your 6 credit cards

  • Your car gets reposessed

Erklärung

Frage 15 von 20

1

Paying off your credit card each month:

Wähle eine der folgenden:

  • Improves your credit score

  • Lowers your credit score

  • Does not affect your credit score

  • It depends on whether your credit card is a MasterCard, Visa, or American Express

Erklärung

Frage 16 von 20

1

You get a call from the Government Grants Office that you have been approved for a federal grant of up to $1,500, but they need to get some personal information to determine how much your qualify for. The caller doesn't ask for your Social Security Number. A week later, you receive a check for $1,000 in the mail. You should:

Wähle eine der folgenden:

  • Deposit the check, and wait for it to clear the bank

  • Take it to the post office and report it as mail fraud

  • Take it to the police and report fraud

  • Throw it in the trash

Erklärung

Frage 17 von 20

1

What is "phishing"

Wähle eine der folgenden:

  • A prank phone call in an attempt to get your bank information

  • An attempt by an Internet hacker to steal your identity

  • A video game only kids play know how to play

  • A way of paying bills online

Erklärung

Frage 18 von 20

1

Bonus question: Who is the New York Attorney General?

Wähle eine der folgenden:

  • Thomas Dinapoli

  • William Hochul

  • Eric Schneiderman

  • Frank Sedita

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Frage 19 von 20

1

Bonus question 2: Who is the Erie County District Attorney?

Wähle eine der folgenden:

  • Eric Schneiderman

  • Frank Sedita

  • Mark Poloncarz

  • Stefan Mychajliw

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Frage 20 von 20

1

Bonus question 3: The Better Business Bureau is:

Wähle eine der folgenden:

  • A federal agency

  • A state agency

  • A private not-for-profit agency

  • It is a bi-national government agency shared by the U.S. and Canada

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