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1. A smart consumer always buys the item that costs the least.
True or False?
Brand-name products are always better quality than store brands. True or False?

3. In Maryland, a business can refuse to refund your money if you want to return something, even if you have the receipt. True or False?
If you buy a mountain bike for $1,000 with a credit card charging 18% interest, and only make the required "minimum payment of about 2% each month, how long do you think it will take you to pay off the bike?

a. 3 years
b. 5 and a half years
c. 12 years and 9 months
5. Brittany saw an ad: "Teen Models Needed! Auditions Saturday." She went to the audition and was very excited when they told her that she was"just the type they were looking for." However, they said she needed to take some modeling lessons first--which they could provide. They urged Brittany and her mom to sign a contract for $1,200 worth of lessons. What useful advice should Brittany follow in this situation?

a. Be skeptical. Don't sign the contract.
b. Strike while the iron is hot. Don't miss a once-in-a-lifetime opportunity.
c. Follow the crowd. If the other teens at the audition are signing up, she should too.

6. If a label says a product is "all-natural" or "herbal," you know that it is safe to use. True or False?
7. Which of these is the best deal?
a. T-shirts: Buy one at $16, get another at 50% OFF!
b. T-shirts: $12 each
c. T-shirts: Buy two for $18 each, get ONE FREE!

8. Take a guess: If you smoked a pack of cigarettes a day, and a pack cost $7.50, how much would smoking for five years cost you?

a. $2,000
b. $8,250
c. $13,500

9. Getting a tattoo isn’t such a big commitment anymore since laser removal is now available. True or False?
10. Buy a new car and you won’t have to spend money on repairs or maintenance for the first few years. True or False?
11."Identity theft” is what happens when:

a. A boy agrees to take a geometry test for his identical twin brother.
b A hospital mixes up two newborn babies and sends them home with the wrong parents.
c. Someone uses your name, Social Security number and other information about you to open credit accounts or buy cars.
12. Buying an item from another person through an Internet auction site, such as eBay, is just as safe as buying something from a store. True or False?

See answers here if you were unable to view them on this page.

How did you do?

7-12 answers correct
Good for you! You're already a pretty educated consumer.

Under 7 answers correct
You need to learn a little more about how to get the most for your money. Look through the WiseBuys pages for more info!

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