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1.  Write a minimum of two sentences below explaining the difference between "Savings" and "Investments".

2.  What three factors determine how much money you will have in the future to meet your financial goals?  Which one of these factors favors you the most now and why?

3.  How does the concept of Compounding Interest work?

4.  Explain the "risk-to-return" relationship.

5.  Explain below in two or more sentences what "Diversification" means.

6.  Give two examples of things that eat away at your savings and investments.

7.  What is the definition of a "Capital Gain"?

8 .  Give an example of an advantage and a disadvantage of buying mutual fund shares as opposed to buying individual stocks.