PK
东M] _rels/PK
东M] docProps/PK
东M] ppt/PK
东M]
ppt/_rels/PK
东M] ppt/charts/PK
东M] ppt/charts/_rels/PK
东M] ppt/embeddings/PK
东M]
ppt/media/PK
东M] ppt/slideLayouts/PK
东M] ppt/slideLayouts/_rels/PK
东M] ppt/slideMasters/PK
东M] ppt/slideMasters/_rels/PK
东M] ppt/slides/PK
东M] ppt/slides/_rels/PK
东M]
ppt/theme/PK
东M] ppt/notesMasters/PK
东M] ppt/notesMasters/_rels/PK
东M] ppt/notesSlides/PK
东M] ppt/notesSlides/_rels/PK
东M]氅0脮K 昁 [Content_Types].xml
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东M]疖萨] ] _rels/.rels
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东M]*钋'� � docProps/app.xml
0
0
Microsoft Office PowerPoint
On-screen Show (16:9)
0
40
40
0
0
false
Fonts Used
2
Theme
1
Slide Titles
40
Arial
Calibri
Office Theme
Slide 1Slide 2Slide 3Slide 4Slide 5Slide 6Slide 7Slide 8Slide 9Slide 10Slide 11Slide 12Slide 13Slide 14Slide 15Slide 16Slide 17Slide 18Slide 19Slide 20Slide 21Slide 22Slide 23Slide 24Slide 25Slide 26Slide 27Slide 28Slide 29Slide 30Slide 31Slide 32Slide 33Slide 34Slide 35Slide 36Slide 37Slide 38Slide 39Slide 40
PptxGenJS
false
false
false
16.0000
PK
东M]mt#� � docProps/core.xml
Module 2 鈥� Answers
PptxGenJS Presentation
PptxGenJS
PptxGenJS
1
2026-10-13T21:29:44Z
2026-10-13T21:29:44Z
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东M]趕恓� � ppt/_rels/presentation.xml.rels
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东M]hf脣 � ppt/theme/theme1.xmlPK
东M]硯.s� � ppt/presentation.xml
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东M]X洂� ppt/presProps.xml
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东M]佚崗� � ppt/tableStyles.xml
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东M]H7鹴� � ! ppt/slideLayouts/slideLayout1.xml
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东M]昭採7 7 , ppt/slideLayouts/_rels/slideLayout1.xml.rels
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东M]H溎誡 ] ! ppt/slideLayouts/slideLayout2.xml
FIRE 路 Financial Resilience 路 Module 2: Building Financial IndependenceFunded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the Italian National Agency Erasmus+ INDIRE. Neither the European Union nor the granting authority can be held responsible for them.
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东M]O 薗 Q , ppt/slideLayouts/_rels/slideLayout2.xml.rels
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东M]殲 R R ! ppt/slideLayouts/slideLayout3.xml
Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the Italian National Agency Erasmus+ INDIRE. Neither the European Union nor the granting authority can be held responsible for them. Project 2025-1-IT02-KA210-ADU-000354693
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东M]伨匭 Q , ppt/slideLayouts/_rels/slideLayout3.xml.rels
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东M];9� � � ppt/slides/slide1.xml
QUIZCheck your understanding: L2.1Financial literacy foundations5 questions 路 multiple choice 路 70% to pass 路 unlimited retakesPK
东M]S硎� � ppt/slides/_rels/slide1.xml.rels
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东M].殮憪 � ppt/notesSlides/notesSlide1.xml
1PK
东M]�:A� � * ppt/notesSlides/_rels/notesSlide1.xml.rels
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东M]>T�q4 q4 ppt/slides/slide2.xml
QUESTION 1 OF 5What does financial independence depend on most? AEarning a high salary BAccess to and control over your money CHaving a rich partner DOwning a housePK
东M]咘湆� � ppt/slides/_rels/slide2.xml.rels
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东M]T禐� ppt/notesSlides/notesSlide2.xml
Answer: B 鈥� Access to and control over your money. Independence is about access, knowledge and control, not about how much you have.2PK
东M]x辗� � * ppt/notesSlides/_rels/notesSlide2.xml.rels
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东M]曐S躎4 T4 ppt/slides/slide3.xml
QUESTION 2 OF 5Your net worth is鈥� AYour monthly salary BYour savings only CWhat you own minus what you owe DWhat you spend each monthPK
东M]�
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东M]C.b ppt/notesSlides/notesSlide3.xml
Answer: C 鈥� What you own minus what you owe. Net worth is assets minus debts. It can be below zero, and that is useful information.3PK
东M]9Y偎 � * ppt/notesSlides/_rels/notesSlide3.xml.rels
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东M]X�L�4 �4 ppt/slides/slide4.xml
QUESTION 3 OF 5Which is the most important foundation of financial independence? AA credit card BA joint account with a partner CA shopping budget DA bank account in your name onlyPK
东M]斋�<� � ppt/slides/_rels/slide4.xml.rels
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东M]4{ ppt/notesSlides/notesSlide4.xml
Answer: D 鈥� A bank account in your name only. An account only you can see and manage keeps your money in your control.4PK
东M]縅�� � * ppt/notesSlides/_rels/notesSlide4.xml.rels
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东M]g坵4 w4 ppt/slides/slide5.xml
QUESTION 4 OF 5In the healthy order of money, what comes right after covering essentials? APaying yourself into savings BEating out CBuying gifts DNothing: spend the restPK
东M]蛭劷� � ppt/slides/_rels/slide5.xml.rels
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东M]�c� ppt/notesSlides/notesSlide5.xml
Answer: A 鈥� Paying yourself into savings. Move a little to savings before you spend, like a bill you pay to yourself.5PK
东M] e� � * ppt/notesSlides/_rels/notesSlide5.xml.rels
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东M]恣噺4 �4 ppt/slides/slide6.xml
QUESTION 5 OF 5Why does sharing your PIN or logins under pressure matter? AIt does not matter BWhoever controls your access controls your money CBanks charge a fee for it DIt makes saving easierPK
东M]趃氬� � ppt/slides/_rels/slide6.xml.rels
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东M]H颶# ppt/notesSlides/notesSlide6.xml
Answer: B 鈥� Whoever controls your access controls your money. If someone else controls your access, they control your money.6PK
东M]=|斨� � * ppt/notesSlides/_rels/notesSlide6.xml.rels
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东M]-0垞~ 搤 ppt/slides/slide7.xml
Answers 鈥� L2.1 # Answer Why 1 B 鈥� Access to and control over your money Independence is about access, knowledge and control, not about how much you have. 2 C 鈥� What you own minus what you owe Net worth is assets minus debts. It can be below zero, and that is useful information. 3 D 鈥� A bank account in your name only An account only you can see and manage keeps your money in your control. 4 A 鈥� Paying yourself into savings Move a little to savings before you spend, like a bill you pay to yourself. 5 B 鈥� Whoever controls your access controls your money If someone else controls your access, they control your money. PK
东M]�縟� � ppt/slides/_rels/slide7.xml.rels
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东M]�)眑� � ppt/notesSlides/notesSlide7.xml
7PK
东M]|g杆 � * ppt/notesSlides/_rels/notesSlide7.xml.rels
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东M]叿补� � ppt/slides/slide8.xml
QUIZCheck your understanding: L2.2Budgeting and managing money5 questions 路 multiple choice 路 70% to pass 路 unlimited retakesPK
东M]蔕艡� � ppt/slides/_rels/slide8.xml.rels
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东M]i恨� � ppt/notesSlides/notesSlide8.xml
8PK
东M]p鱋ㄋ � * ppt/notesSlides/_rels/notesSlide8.xml.rels
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东M]闹裏=4 =4 ppt/slides/slide9.xml
QUESTION 1 OF 5In the 50/30/20 rule, what is the 20% for? ARent BEating out CSavings or paying off debt DClothesPK
东M]l�� � ppt/slides/_rels/slide9.xml.rels
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东M]琜 ppt/notesSlides/notesSlide9.xml
Answer: C 鈥� Savings or paying off debt. 20% goes to savings or paying off debt; 50% to needs and 30% to wants.9PK
东M]1烀扑 � * ppt/notesSlides/_rels/notesSlide9.xml.rels
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东M]944 44 ppt/slides/slide10.xml
QUESTION 2 OF 5With 鈧�1,500 take-home pay, how much is 50% for needs? A鈧�500 B鈧�750 C鈧�900 D鈧�300PK
东M] 濼� � ! ppt/slides/_rels/slide10.xml.rels
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东M]ys � ppt/notesSlides/notesSlide10.xml
Answer: B 鈥� 鈧�750. Half of 鈧�1,500 is 鈧�750.10PK
东M]腡溑� � + ppt/notesSlides/_rels/notesSlide10.xml.rels
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东M] 牂s~4 ~4 ppt/slides/slide11.xml
QUESTION 3 OF 5What is a zero-based budget? AA budget with no savings BGiving every euro a job until nothing is unplanned CSpending nothing for a month DA budget only for debtsPK
东M]'d徽� � ! ppt/slides/_rels/slide11.xml.rels
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东M]Y幔� ppt/notesSlides/notesSlide11.xml
Answer: B 鈥� Giving every euro a job until nothing is unplanned. In a zero-based budget, all your income is given to a category.11PK
东M]匫 � + ppt/notesSlides/_rels/notesSlide11.xml.rels
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东M]茐(珄4 {4 ppt/slides/slide12.xml
QUESTION 4 OF 5Which is the best first target for an emergency fund? ATwelve months of salary BA few hundred euros CNothing until you earn more DWhatever is left in DecemberPK
东M]庭嵪 � ! ppt/slides/_rels/slide12.xml.rels
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东M]u匃� ppt/notesSlides/notesSlide12.xml
Answer: B 鈥� A few hundred euros. Start with a small buffer of a few hundred euros, then build towards three to six months of costs.12PK
东M]Fb�� � + ppt/notesSlides/_rels/notesSlide12.xml.rels
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东M]吳vvr4 r4 ppt/slides/slide13.xml
QUESTION 5 OF 5Which habit builds your money? APaying only the minimum on debt BIgnoring your balance CChecking your accounts once a week DBorrowing to pay the rentPK
东M](█� � ! ppt/slides/_rels/slide13.xml.rels
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东M]]判曯 � ppt/notesSlides/notesSlide13.xml
Answer: C 鈥� Checking your accounts once a week. A weekly check keeps you informed and in control.13PK
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东M]鈦樽'~ '~ ppt/slides/slide14.xml
Answers 鈥� L2.2 # Answer Why 1 C 鈥� Savings or paying off debt 20% goes to savings or paying off debt; 50% to needs and 30% to wants. 2 B 鈥� 鈧�750 Half of 鈧�1,500 is 鈧�750. 3 B 鈥� Giving every euro a job until nothing is unplanned In a zero-based budget, all your income is given to a category. 4 B 鈥� A few hundred euros Start with a small buffer of a few hundred euros, then build towards three to six months of costs. 5 C 鈥� Checking your accounts once a week A weekly check keeps you informed and in control. PK
东M]_煒=� � ! ppt/slides/_rels/slide14.xml.rels
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东M]厷0綉 � ppt/notesSlides/notesSlide14.xml
14PK
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东M]��*� � ppt/slides/slide15.xml
QUIZCheck your understanding: L2.3Generating income and building skills5 questions 路 multiple choice 路 70% to pass 路 unlimited retakesPK
东M]%J︽� � ! ppt/slides/_rels/slide15.xml.rels
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东M]Q鹺� � ppt/notesSlides/notesSlide15.xml
15PK
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QUESTION 1 OF 5Which route usually gives sick pay, holidays and notice? AGig work BEmployment with a contract CSeasonal work DA hobbyPK
东M]PSd� � ! ppt/slides/_rels/slide16.xml.rels
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东M]}]�1� � ppt/notesSlides/notesSlide16.xml
Answer: B 鈥� Employment with a contract. A contracted job gives a regular wage and legal protections.16PK
东M] 舮� � + ppt/notesSlides/_rels/notesSlide16.xml.rels
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东M]壟K攑4 p4 ppt/slides/slide17.xml
QUESTION 2 OF 5Why do skills from unpaid work often go unseen? AThey are not real skills BNobody paid for them CEmployers do not need them DThey cannot be learnedPK
东M]w6唀� � ! ppt/slides/_rels/slide17.xml.rels
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东M].G� � ppt/notesSlides/notesSlide17.xml
Answer: B 鈥� Nobody paid for them. They are real skills. They go unnoticed only because they were unpaid.17PK
东M]BI� � + ppt/notesSlides/_rels/notesSlide17.xml.rels
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东M]鬿ARy4 y4 ppt/slides/slide18.xml
QUESTION 3 OF 5Claiming benefits you are entitled to is鈥� ASomething to feel ashamed of BOnly for people without a job CA fair part of your income DNever worth the effortPK
东M]�=搯� � ! ppt/slides/_rels/slide18.xml.rels
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东M]漸湋
ppt/notesSlides/notesSlide18.xml
Answer: C 鈥� A fair part of your income. Allowances and grants you are entitled to are a real and fair part of your income.18PK
东M]N�� � + ppt/notesSlides/_rels/notesSlide18.xml.rels
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东M]奨烔\4 \4 ppt/slides/slide19.xml
QUESTION 4 OF 5What is the first step to find training? ACertify BFund CAssess what skill opens the door you want DPay for an expensive coursePK
东M]橷�� � ! ppt/slides/_rels/slide19.xml.rels
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东M]6я� ppt/notesSlides/notesSlide19.xml
Answer: C 鈥� Assess what skill opens the door you want. First choose the skill or qualification you want; then find, fund and certify.19PK
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东M]�b4 b4 ppt/slides/slide20.xml
QUESTION 5 OF 5What made it possible for Sofia to attend her course? AA loan from her partner BChildcare support CQuitting her job DPaying high feesPK
东M]S穝a� � ! ppt/slides/_rels/slide20.xml.rels
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东M]吷杉� � ppt/notesSlides/notesSlide20.xml
Answer: B 鈥� Childcare support. Funded training with childcare support removed her practical barriers.20PK
东M]鉙B翘 � + ppt/notesSlides/_rels/notesSlide20.xml.rels
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东M]滯霺W~ W~ ppt/slides/slide21.xml
Answers 鈥� L2.3 # Answer Why 1 B 鈥� Employment with a contract A contracted job gives a regular wage and legal protections. 2 B 鈥� Nobody paid for them They are real skills. They go unnoticed only because they were unpaid. 3 C 鈥� A fair part of your income Allowances and grants you are entitled to are a real and fair part of your income. 4 C 鈥� Assess what skill opens the door you want First choose the skill or qualification you want; then find, fund and certify. 5 B 鈥� Childcare support Funded training with childcare support removed her practical barriers. PK
东M]t襐嘞 � ! ppt/slides/_rels/slide21.xml.rels
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东M]89|饝 � ppt/notesSlides/notesSlide21.xml
21PK
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东M]嚡韭 � ppt/slides/slide22.xml
QUIZCheck your understanding: L2.4Goal-setting and long-term security5 questions 路 multiple choice 路 70% to pass 路 unlimited retakesPK
东M]薙庀 � ! ppt/slides/_rels/slide22.xml.rels
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东M]蟘Qc� � ppt/notesSlides/notesSlide22.xml
22PK
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东M],�(9"4 "4 ppt/slides/slide23.xml
QUESTION 1 OF 5What does the T in SMART stand for? ATidy BTime-bound CTotal DTrustedPK
东M]{m9� � ! ppt/slides/_rels/slide23.xml.rels
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东M]蘳D蹯 � ppt/notesSlides/notesSlide23.xml
Answer: B 鈥� Time-bound. Time-bound: a deadline creates focus and lets you plan backwards.23PK
东M] ~謙� � + ppt/notesSlides/_rels/notesSlide23.xml.rels
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东M]5巃f4 f4 ppt/slides/slide24.xml
QUESTION 2 OF 5Which goal is SMART? ASave more money BBe better with money CSave 鈧�25 a month for 12 months for a 鈧�300 deposit DNever spend on treatsPK
东M])u� � ! ppt/slides/_rels/slide24.xml.rels
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东M]4W - ppt/notesSlides/notesSlide24.xml
Answer: C 鈥� Save 鈧�25 a month for 12 months for a 鈧�300 deposit. It is specific, measurable, realistic, relevant and has a deadline.24PK
东M]�8μ � + ppt/notesSlides/_rels/notesSlide24.xml.rels
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东M]bCa4 e4 ppt/slides/slide25.xml
QUESTION 3 OF 5If you miss a month, what should you change? AGive up the goal BThe plan, not the goal CNothing, just stop reviewing DBorrow to catch upPK
东M]+LP壪 � ! ppt/slides/_rels/slide25.xml.rels
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东M]$D 糸 � ppt/notesSlides/notesSlide25.xml
Answer: B 鈥� The plan, not the goal. Review monthly and adjust the plan. Keep the goal.25PK
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东M]硧a4 a4 ppt/slides/slide26.xml
QUESTION 4 OF 5Which is a long-term goal? AClearing one small debt BOpening a savings account CA pension in your own name DA starter emergency fundPK
东M]錘严 � ! ppt/slides/_rels/slide26.xml.rels
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东M]锁I ppt/notesSlides/notesSlide26.xml
Answer: C 鈥� A pension in your own name. Long-term goals take five years or more, like a pension or a stable home.26PK
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东M]熉`4 `4 ppt/slides/slide27.xml
QUESTION 5 OF 5What did Aylin do first with her adviser? ATook out a loan BOpened an account in her own name CBought a house DStopped all paymentsPK
东M]$�kP� � ! ppt/slides/_rels/slide27.xml.rels
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东M]榆.� � ppt/notesSlides/notesSlide27.xml
Answer: B 鈥� Opened an account in her own name. An account in her own name gave her a base to save and plan.27PK
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东M]k 奎8~ 8~ ppt/slides/slide28.xml
Answers 鈥� L2.4 # Answer Why 1 B 鈥� Time-bound Time-bound: a deadline creates focus and lets you plan backwards. 2 C 鈥� Save 鈧�25 a month for 12 months for a 鈧�300 deposit It is specific, measurable, realistic, relevant and has a deadline. 3 B 鈥� The plan, not the goal Review monthly and adjust the plan. Keep the goal. 4 C 鈥� A pension in your own name Long-term goals take five years or more, like a pension or a stable home. 5 B 鈥� Opened an account in her own name An account in her own name gave her a base to save and plan. PK
东M]韹~诚 � ! ppt/slides/_rels/slide28.xml.rels
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东M]盶繎 � ppt/notesSlides/notesSlide28.xml
28PK
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东M]詂%啫 � ppt/slides/slide29.xml
QUIZModule 2 final quizModule 2 final quiz10 questions 路 multiple choice 路 70% to pass 路 unlimited retakesPK
东M]梌@h� � ! ppt/slides/_rels/slide29.xml.rels
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东M]韟梮� � ppt/notesSlides/notesSlide29.xml
29PK
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东M]Q /媔4 i4 ppt/slides/slide30.xml
QUESTION 1 OF 10Financial independence is mainly about鈥� ABeing rich BAccess, knowledge and control over your money CNever borrowing DHaving a high salaryPK
东M]]'� � ! ppt/slides/_rels/slide30.xml.rels
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东M]帝
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Answer: B 鈥� Access, knowledge and control over your money. It is about access, knowledge and control, however modest your income.30PK
东M]髌� � + ppt/notesSlides/_rels/notesSlide30.xml.rels
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东M]t氾K4 K4 ppt/slides/slide31.xml
QUESTION 2 OF 10What is net worth? AYour monthly income BWhat you own minus what you owe CYour total debts DYour savings goalPK
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东M]濼� ppt/notesSlides/notesSlide31.xml
Answer: B 鈥� What you own minus what you owe. Net worth is assets minus debts: a snapshot of where you stand today.31PK
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东M]gun4 n4 ppt/slides/slide32.xml
QUESTION 3 OF 10Why does an account in your own name matter? ABanks prefer it BIt keeps money within your control CIt earns more interest DIt is required by lawPK
东M]R朊� � ! ppt/slides/_rels/slide32.xml.rels
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东M]V� ppt/notesSlides/notesSlide32.xml
Answer: B 鈥� It keeps money within your control. An account only you can see and manage is the basis of financial independence.32PK
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东M]筁[>4 4 ppt/slides/slide33.xml
QUESTION 4 OF 10In the 50/30/20 rule, 30% goes to鈥� ANeeds BWants CSavings DDebtPK
东M]u庢溝 � ! ppt/slides/_rels/slide33.xml.rels
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东M]JBdb� � ppt/notesSlides/notesSlide33.xml
Answer: B 鈥� Wants. 50% needs, 30% wants, 20% savings or paying off debt.33PK
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东M]~c燭f4 f4 ppt/slides/slide34.xml
QUESTION 5 OF 10What does the envelope method do? ASets a spending limit for each category BSaves all your income CPays bills by post DRemoves all wantsPK
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东M]靋� ppt/notesSlides/notesSlide34.xml
Answer: A 鈥� Sets a spending limit for each category. Each category has a limit; when the envelope or pot is empty, spending stops.34PK
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东M]瓽A||4 |4 ppt/slides/slide35.xml
QUESTION 6 OF 10What is a good long-term size for an emergency fund? AOne week of costs BThree to six months of essential costs CTwo years of salary DThere is no need for onePK
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东M]#釨0 ppt/notesSlides/notesSlide35.xml
Answer: B 鈥� Three to six months of essential costs. Start with a few hundred euros, then build towards three to six months of essentials.35PK
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东M]漓k4 k4 ppt/slides/slide36.xml
QUESTION 7 OF 10Years of caring for a family can build鈥� ANo useful skills BPatience, empathy and organisation COnly cooking skills DSkills employers ignorePK
东M]
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东M]�.�7 ppt/notesSlides/notesSlide36.xml
Answer: B 鈥� Patience, empathy and organisation. Unpaid work builds real skills valued in health, education, retail and more.36PK
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东M]KV%葅4 {4 ppt/slides/slide37.xml
QUESTION 8 OF 10Which can remove barriers to training? AExpensive private courses BFunded courses and childcare support CWaiting until children grow up DWorking longer hoursPK
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东M]0飓k ppt/notesSlides/notesSlide37.xml
Answer: B 鈥� Funded courses and childcare support. Much training is free or funded, and childcare support can make it possible.37PK
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QUESTION 9 OF 10Which goal is SMART? ASave more someday BSave 鈧�25 a month for 12 months for a 鈧�300 deposit CBe less dependent DSpend less on thingsPK
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QUESTION 10 OF 10Aylin felt it was too late to plan. What does this module say? AShe was right BIt is never too late: small, regular steps count COnly young people can save DShe needed a partner's helpPK
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Answers 鈥� Module 2 final quiz # Answer Why 1 B 鈥� Access, knowledge and control over your money It is about access, knowledge and control, however modest your income. 2 B 鈥� What you own minus what you owe Net worth is assets minus debts: a snapshot of where you stand today. 3 B 鈥� It keeps money within your control An account only you can see and manage is the basis of financial independence. 4 B 鈥� Wants 50% needs, 30% wants, 20% savings or paying off debt. 5 A 鈥� Sets a spending limit for each category Each category has a limit; when the envelope or pot is empty, spending stops. 6 B 鈥� Three to six months of essential costs Start with a few hundred euros, then build towards three to six months of essentials. 7 B 鈥� Patience, empathy and organisation Unpaid work builds real skills valued in health, education, retail and more. 8 B 鈥� Funded courses and childcare support Much training is free or funded, and childcare support can make it possible. 9 B 鈥� Save 鈧�25 a month for 12 months for a 鈧�300 deposit It is specific, measurable, achievable, relevant and has a deadline. 10 B 鈥� It is never too late: small, regular steps count Starting matters most. Small, regular steps close the gap over time. PK
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