mgreiner28
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Consumer IQ quiz

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mgreiner28
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Consumer IQ Quiz

Consumer IQ Quiz

Pregunta 1 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 2 de 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?

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 3 de 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:

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 4 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • yes

  • no

Explicación

Pregunta 5 de 20

1

The maximum mileage allowed for a Lemon Law warranty is:

Selecciona una de las siguientes respuestas posibles:

  • 50,000 miles

  • 36,000 miles

  • 100,000 miles

  • There is no limit

Explicación

Pregunta 6 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • 12 years

  • 8 years

  • No limit

  • 10 years

Explicación

Pregunta 7 de 20

1

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

Selecciona uno de los siguientes:

  • VERDADERO
  • FALSO

Explicación

Pregunta 8 de 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?

Selecciona una de las siguientes respuestas posibles:

  • Yes

  • No

Explicación

Pregunta 9 de 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?

Selecciona una de las siguientes respuestas posibles:

  • Yes

  • No

Explicación

Pregunta 10 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 11 de 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:

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 12 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • Money order

  • Cash

  • Credit card

  • Wire transfer

Explicación

Pregunta 13 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • Every 5 years

  • Every 10 years

  • Every 15 years

  • You only have to register once

Explicación

Pregunta 14 de 20

1

Which of these will hurt your credit score the most?

Selecciona una de las siguientes respuestas posibles:

  • Filing backruptcy

  • Being 60 days late paying your credit card

  • Maxing out three out of your 6 credit cards

  • Your car gets reposessed

Explicación

Pregunta 15 de 20

1

Paying off your credit card each month:

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 16 de 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:

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 17 de 20

1

What is "phishing"

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

Pregunta 18 de 20

1

Bonus question: Who is the New York Attorney General?

Selecciona una de las siguientes respuestas posibles:

  • Thomas Dinapoli

  • William Hochul

  • Eric Schneiderman

  • Frank Sedita

Explicación

Pregunta 19 de 20

1

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

Selecciona una de las siguientes respuestas posibles:

  • Eric Schneiderman

  • Frank Sedita

  • Mark Poloncarz

  • Stefan Mychajliw

Explicación

Pregunta 20 de 20

1

Bonus question 3: The Better Business Bureau is:

Selecciona una de las siguientes respuestas posibles:

  • 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

Explicación

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