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Please review the MAR3023 Exam Instructions below. Certify by answering below that you understand any violation of these instructions are subject to automatic penalty and may be reported for academic misconduct. Per the syllabus, at the discretion of the instructor, violations (except where explicitly permitted under DRC testing accommodations) may result in a penalty ranging from a 5-point deduction up to the full point value of the exam (56 points). The severity of the penalty will be determined based on the nature of the violation and whether multiple violations occurred. Violations may also be reported to the Dean of Students Office for violation of the Student Honor Code. Examples include, but are not limited to: Starting more than 15-minute after the exam start time Exam not proctored by Honorlock Poor or incomplete room scan (e.g., not a 360-degree view or not showing below the desktop) Unauthorized off-camera break (including not starting the exam immediately after the room scan) Camera not fully showing the student’s face Turning off, covering, or obstructing the camera and/or microphone at any time Poor or insufficient lighting Use of headphones, earbuds, or audio accessories Speaking out loud during the exam Use of any unauthorized materials or aids (e.g., notes, books, applications, AI tools, additional devices (e.g., smart watches or smart glasses), extra monitors, scratch paper, calculators, or assistance from another person) Excessively looking away from the screen or camera Failure to follow proctoring instructions or requirements By selecting “True” below, you certify that you understand these requirements and will comply with them during the duration of the exam. Selecting “False” or not answering indicates non-compliance with exam instructions and will result your inability to access the exam. 

Investing in a financial transaction that has a substantial risk of losing value but also holds the potential of a significant gain is called …….

In which of the following cases can the credit card company assess late fees and interest during the grade period?

Depending on age, a person should have put aside certain amounts of funds, including all savings and investments, and retirement. As a rule of thumb, which of the following is correct?

Security deposits, also known as damage deposits, can be used by the landlord to pay for which of the following?

In the 50/30/20 budgeting technique, 30% of the budget is allocated to ……

True or false: As a general rule, a person should not spend more than 30% of their gross income on rent. 

True or false: In the compounding interest method, interest is paid every day.

Debit cards are mainly issued by financial institutions and allow a customer to conduct transactions from which account(s)?

Write your personal narrative here. Make sure to include a title and to indent your paragraphs. You will not be able to indent using the tab key, so just the space bar at least three times for each new paragraph.Your essay should– be based on something that happened to you or something that you happened to witness first-hand.have a beginning, middle, and end shaped around a discernable conflict.a sense of time, place, and character. Readers fortunate enough to enjoy your essay should be able to picture where the story’s happening, what is going on, and what the participants are like. In other words, show readers what is happening rather than just tell them about it.Your essay will be evaluated on voice, narrative pacing, characterization, setting, and English Conventions (punctuation, mechanics, and sentence fluency). Some helpful hints–The event doesn’t have to be meaningful (see middle-school fight that wasn’t even a fight). It only needs to seem meaningful at the time.Often it’s good to brainstorm early memories. If it’s important enough for you to remember, it’s important enough to write about.Better to write a lot about a little than a little about a lot. Rather than an essay about a football game, craft an essay about a particular play. Rather than a relationship, write about a first date.A little situational irony is always nice–when the narrative seems to be headed one way and winds up somewhere else.Trust yourself, take chances, relax, and have fun.