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QUIZ: QUIZ: DO YOU KNOW HOW TO CREATE AN EMERGENCY FUND?: HOWSTUFFWORKS
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QUIZ: DO YOU KNOW HOW TO CREATE AN EMERGENCY FUND?
By: Staff
4 Min Quiz
Image: refer to hsw
ABOUT THIS QUIZ
After you design and learn to stick with a monthly budget, an important next
step toward financial health is setting up a solid emergency fund. Such accounts
help people survive in the event of a job loss, illness, natural disaster or
other emergency.
Read More
Scroll To Start Quiz
WHICH OF THESE WOULD QUALIFY AS AN EMERGENCY WORTH DIPPING INTO YOUR EMERGENCY
FUND FOR?
1. major car repair
kitchen remodel
2. vacation
The main criterion for determining whether to use your emergency fund should be
if the expense is a necessity or just something you want.
Advertisement
WHAT FINANCIAL DEVICE DO SOME CRITICS SAY MAKES AN EMERGENCY FUND OBSOLETE?
1. home equity line of credit
high-limit credit cards
2. payday loans
A home equity line of credit may allow you to write checks immediately to cover
emergency expenses. They may, however, come with added fees. And if you don't
own a home, this type of credit is unavailable to you.
Advertisement
HOW MUCH MONEY SHOULD YOU HAVE IN AN EMERGENCY ACCOUNT?
1. three months' living expenses
a quarter of your annual salary
2. five times the amount you spend on food each month
The idea of an emergency fund is to help you get by for a short time in the
event that you lose your income or need extra cash. Three months' worth of
living expenses is the recommended amount.
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WHICH OF THE FOLLOWING SHOULD YOU NOT COUNT ON WHEN CALCULATING YOUR EMERGENCY
COSTS?
1. You will probably spend more than you normally do.
Insurance will cover you completely.
2. Food and shelter will likely be your biggest expenses.
Though insurance may cover certain costs you might incur in an emergency, you
will almost certainly have increased expenses during such a time. And, you
should make sure you pay for food and shelter before other expenses.
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WHAT SHOULD YOU DO IF YOU WANT TO SET UP A LARGE EMERGENCY FUND?
1. Put your money in an interest-bearing account.
Put your money in a high-yield mutual fund.
2. Put your money in certificates of deposit and savings bonds.
Especially if you are putting a larger sum in this fund, make sure you at least
earn a return on the investment of this money, rather than letting it just sit
around. Also, don't put your money in any form that you could not easily access
during an emergency situation.
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WHAT IS A HELPFUL TOOL FOR STARTING AN EMERGENCY FUND?
1. an automatic deduction
piggy bank
2. direct deposit of your paycheck
By having a set amount automatically taken out of your paycheck each month for
the emergency fund, you will not even notice that any money is gone.
Advertisement
WHAT TYPE OF ACCOUNT SHOULD YOU USE FOR YOUR EMERGENCY FUND?
1. money market account
checking account
2. ordinary savings account
Ideally you should use an account that is not overly easy to access, but one
that still has the liquidity you need.
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WHAT IS THE RISK OF TRYING TO BUILD YOUR EMERGENCY FUND TOO QUICKLY?
1. You might get discouraged.
You can create a financial emergency by skimping too much.
2. It may be hard to find the right account to accept a large deposit.
By depositing a lot each month, you may have to give up on enjoying your life.
This could backfire by discouraging you enough that you stop contributing to the
account.
Advertisement
WHY SHOULD YOU PAY OFF A CREDIT CARD BEFORE BUILDING AN EMERGENCY FUND?
1. because you will pay a higher rate on credit card interest than you will
receive from your emergency fund account
to prevent yourself from getting discouraged
2. to use the available credit on your card as part of the emergency fund
You probably pay 12 percent interest or more on your credit card, and chances
are slim to none that you'll make anything close to that percentage on your
emergency fund's money market account.
Advertisement
WHY DO SOME PEOPLE ARGUE THAT YOU SHOULD NOT DEFER 401(K) PAYMENTS TO BUILD AN
EMERGENCY FUND?
1. because the long-term losses you will have outweigh the benefits of having
an emergency fund
because you can take a loan from your 401(k) fund in an emergency
2. because emergency funds are subject to double taxation
Since a 401(k) fund gains interest for many years before you access it, the same
amount of money can have a sizable long-term impact on your finances.
Advertisement
EXPLORE MORE QUIZZES
TRIVIA
IDENTIFY THESE EMERGENCY VEHICLES!
6 Minute Quiz 6 Min
PERSONALITY
CREATE AN ENGAGEMENT RING AND WE'LL SET YOU UP WITH AN AVENGER
5 Minute Quiz 5 Min
TRIVIA
THE UNDERRATED FIRST AID SKILLS TEST
6 Minute Quiz 6 Min
PERSONALITY
TELL US ABOUT YOUR EMERGENCY PREPARATIONS AND WE'LL GUESS WHAT STATE YOU ARE
FROM
6 Minute Quiz 6 Min
TRIVIA
CAN YOU PASS THIS EMERGENCY FIRST AID TEST?
7 Minute Quiz 7 Min
PERSONALITY
IS YOUR LOVED ONE SHOWING SIGNS OF ALZHEIMER'S?
5 Minute Quiz 5 Min
TRIVIA
EMERGENCY VEHICLES: CAN YOU IDENTIFY MORE THAN 30?
7 Minute Quiz 7 Min
TRIVIA
CAN YOU PASS THIS EMT CERTIFICATION PRACTICE EXAM?
6 Minute Quiz 6 Min
PERSONALITY
CREATE AN ENGAGEMENT RING AND WE'LL SET YOU UP WITH A MOVIE PRINCE
5 Minute Quiz 5 Min
PERSONALITY
CREATE AN ENGAGEMENT RING AND WE'LL GUESS YOUR RELATIONSHIP STATUS
5 Minute Quiz 5 Min
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EXPLORE QUIZZES
* TELL US ABOUT YOUR EMERGENCY PREPARATIONS AND WE'LL GUESS WHAT STATE YOU ARE
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develop new products
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to improve their existing products with new features and to develop new
products* Create new models and algorithms through machine learningVendors
cannot:* Conduct any other data processing operation allowed under a
different purpose under this purpose
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* Select basic ads
Ads can be shown to you based on the content you’re viewing, the app you’re
using, your approximate location, or your device type.
To do basic ad selection vendors can:* Use real-time information about the
context in which the ad will be shown, to show the ad, including
information about the content and the device, such as: device type and
capabilities, user agent, URL, IP address* Use a user’s non-precise
geolocation data* Control the frequency of ads shown to a user.* Sequence
the order in which ads are shown to a user.* Prevent an ad from serving in
an unsuitable editorial (brand-unsafe) contextVendors cannot:* Create a
personalised ads profile using this information for the selection of future
ads without a separate legal basis to create a personalised ads profile.*
N.B. Non-precise means only an approximate location involving at least a
radius of 500 meters is permitted.
Add objection to legitimate interest processing.
* Create a personalised ads profile
A profile can be built about you and your interests to show you
personalised ads that are relevant to you.
To create a personalised ads profile vendors can:* Collect information
about a user, including a user's activity, interests, demographic
information, or location, to create or edit a user profile for use in
personalised advertising.* Combine this information with other information
previously collected, including from across websites and apps, to create or
edit a user profile for use in personalised advertising.
Add objection to legitimate interest processing.
* Select personalised ads
Personalised ads can be shown to you based on a profile about you.
To select personalised ads vendors can:* Select personalised ads based on a
user profile or other historical user data, including a user’s prior
activity, interests, visits to sites or apps, location, or demographic
information.
Add objection to legitimate interest processing.
* Create a personalised content profile
A profile can be built about you and your interests to show you
personalised content that is relevant to you.
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about a user, including a user's activity, interests, visits to sites or
apps, demographic information, or location, to create or edit a user
profile for personalising content.* Combine this information with other
information previously collected, including from across websites and apps,
to create or edit a user profile for use in personalising content.
Add objection to legitimate interest processing.
* Select personalised content
Personalised content can be shown to you based on a profile about you.
To select personalised content vendors can:* Select personalised content
based on a user profile or other historical user data, including a user’s
prior activity, interests, visits to sites or apps, location, or
demographic information.
Add objection to legitimate interest processing.
* Measure ad performance
The performance and effectiveness of ads that you see or interact with can
be measured.
To measure ad performance vendors can:* Measure whether and how ads were
delivered to and interacted with by a user* Provide reporting about ads
including their effectiveness and performance* Provide reporting about
users who interacted with ads using data observed during the course of the
user's interaction with that ad* Provide reporting to publishers about the
ads displayed on their property* Measure whether an ad is serving in a
suitable editorial environment (brand-safe) context* Determine the
percentage of the ad that had the opportunity to be seen and the duration
of that opportunity* Combine this information with other information
previously collected, including from across websites and appsVendors
cannot:*Apply panel- or similarly-derived audience insights data to ad
measurement data without a Legal Basis to apply market research to generate
audience insights (Purpose 9)
Add objection to legitimate interest processing.
* Measure content performance
The performance and effectiveness of content that you see or interact with
can be measured.
To measure content performance vendors can:* Measure and report on how
content was delivered to and interacted with by users.* Provide reporting,
using directly measurable or known information, about users who interacted
with the content* Combine this information with other information
previously collected, including from across websites and apps.Vendors
cannot:* Measure whether and how ads (including native ads) were delivered
to and interacted with by a user.* Apply panel- or similarly derived
audience insights data to ad measurement data without a Legal Basis to
apply market research to generate audience insights (Purpose 9)
Add objection to legitimate interest processing.
* Apply market research to generate audience insights
Market research can be used to learn more about the audiences who visit
sites/apps and view ads.
To apply market research to generate audience insights vendors can:*
Provide aggregate reporting to advertisers or their representatives about
the audiences reached by their ads, through panel-based and similarly
derived insights.* Provide aggregate reporting to publishers about the
audiences that were served or interacted with content and/or ads on their
property by applying panel-based and similarly derived insights.* Associate
offline data with an online user for the purposes of market research to
generate audience insights if vendors have declared to match and combine
offline data sources (Feature 1)* Combine this information with other
information previously collected including from across websites and apps.
Vendors cannot:* Measure the performance and effectiveness of ads that a
specific user was served or interacted with, without a Legal Basis to
measure ad performance.* Measure which content a specific user was served
and how they interacted with it, without a Legal Basis to measure content
performance.
Add objection to legitimate interest processing.
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