Ugba 135 midterm Study guides, Class notes & Summaries
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UGBA 135 Midterm #1 Exam With 100% Correct Answers 2023
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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 
 
 
Do...
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UGBA 135 Midterm Questions With 100% Correct Answers.
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UGBA 135 Midterm Questions With 100% Correct Answers.
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UGBA 135 Midterm questions with verified solutions 2023/2024
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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 ...
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UGBA 135 Midterm 1 (Fall 2023)
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1. What is an emergency fund and what is used for? - Answer- - savings to cover 3 to 6 months of living expenses in readily available cash to be used only in the event of an emergency (15% of the earnings paycheck) Standard Savings account 
 
What is our definition of a millionaire? - Answer- someone who can take care of themselves without help from a government agency, financially independent, live the life they want to lead 
 
What is the rule of 72? - Answer- How long it will take to double y...
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UGBA 135 MIDTERM 1 2024 QUIZZES & ANS, GRADED A+
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UGBA 135 MIDTERM 1 2024 QUIZZES & ANS, GRADED A+
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UGBA 135 Midterm question n answers rated A+ 2023/2024
- Exam (elaborations) • 14 pages • 2023
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UGBA 135 Midterm 
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 not spending freely or unne...
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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...
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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...
-
UGBA 135 Midterm questions & answers graded A+ 2023/2024 already passed
- Exam (elaborations) • 16 pages • 2023
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UGBA 135 Midterm 
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 accounts and recent applications for c...
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UGBA 135 Midterm Exam With Complete Solution
- Exam (elaborations) • 23 pages • 2024
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UGBA 135 Midterm Exam With Complete Solution...
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