1) Which of the following is Not  key factor in SMART financial planning ? a) Specific b) Main budget c) Attainable d) Realistic 2) An effective financial management start with ____________________ a) Goal setting b) Create financial plan c) Evaluate financial status d) Carry out financial plan 3) What is the status of a person financial if total expenses lower than total income ?  a) Positive cash flow b) Negative cash flow 4) Short term financial goals are usually ________________ a) High risk b) Low risk 5)  Insurance and  housing loan are ________________ expenses a) Fixed b) Variable

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