INSTRUCTIONS: Rewrite each sentence. Replace the underlined noun clause with an infinitive clause. Ex: I don’t know what I should do about Maya’s driving.   I don’t know what to do about Maya’s driving. Do you know where I could find a good driving app?

INSTRUCTIONS: Answer Y for Yes if the sentence uses the person’s exact words. Answer N for No if it reports what the person has said. She said, “I have applied to Greenfield Community College.”

INSTRUCTIONS: Change the reported speech to an exact quote. Put the asked or said phrase at the beginning of the exact quote. Ex: Barry asked me what the answer was.   Barry asked (me), “What is the answer?” She asked me who I played with.

Your gross wages are subject to FICA (Federal Insurance Contributions Act) taxes that fundthe Social Security system and Medicare.

The concept of time value of money is important to financial decision making because

Time value of money calculations, such as present and future value amounts, can be applied tomany day-to-day decisions.

Byron is investigating a mutual fund that claims that $1,000 today will be worth $5,000 in five years. What is he solving for?

In addition to social security tax withholding, wage earners also pay a 1.45% withholding taxon all gross salary and wages for

If your financial plan objective is to provide your family with the most insurance benefit inthe event of your untimely death, you should purchase

 Most Americans will never be able to understand and develop a personal financial plan.