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friends. credit unions. Question 14. Which one of the following is a signal of a potential debt problem? Paying the maximum balance due each month Borrowing money to pay old debts Using savings to pay for major purchases Receiving notice of prompt payment from creditors Occasionally working overtime and moonlighting Question 15. If Tony Jones knows he can get a car loan for up to 5 years at a credit union but decides that he can easily repay the loan in 3 years, and therefore gets a 3-year loan, how is Tony reducing the lender's risk? He is sharing the interest rate risk with his lender. He is pledging valuable assets that can be seized if the loan is not repaid. He is repaying the loan over a faster period of time. He is taking a larger stake in the asset he is purchasing. He is obtaining the loan from the credit union. Question 16. Sarah Russell starts the month with a balance of $1,000 on her credit card. On the 10th day of the month, she purchases $200 in clothes with her credit card. On the 15th day of the month she makes a payment on her credit card of $500. The average daily balance for the month including the new purchase is $883. The