23. Consumer purchase decisions should be directly related to your...

23. Consumer purchase decisions should be directly related to your
**financial goals.

**aspirational lifestyle.

**future standard of living.

**personal feelings

24. What is normally referred to as the "sticker price" on a new car is actually the
**manufacturer's invoice.

**dealer's retail price.

**manufacturer's suggested retail price.

**dealer's invoice.
 

25. State laws that protect consumers against defective vehicles are known as
**blue laws

**orange laws

**red laws

**lemon laws

27. Most lenders require that a borrower's mortgage debt service ratio be no more than 28 percent of their
**assets.

**equity.

**income.

**overall debt.

30. Closing costs on the purchase of a house
**increase the amount of cash available for the down payment.

**reduce the amount of cash available for the down payment.

**are paid by the lender.

**increase the mortgage insurance premium.