حل الفصل الخامس المعرفة المالية بالإنجليزي أول ثانوي مسارات الفصل الأول

Sample answer: People use credit to buy goods or services now and pay for them later. It can help with large purchases, emergencies, convenience, and building a credit history, provided the borrower can repay the debt and any fees on time.

Answers will vary.

Sample answer: I would choose a credit card because it allows an unpaid balance to be carried when necessary, although I would aim to pay the full balance each month to avoid fees. A charge card is suitable for someone who wants firm spending discipline and can always pay the balance in full by the due date.

Answers will vary.

Answer: A cell phone provider supplies calls, data, and other services during the billing period before the customer pays the bill. Receiving the service now and paying for it later makes the contract a form of service credit.

1. b. false. Credit lets buyers obtain items now and pay for them later, not immediately.
2. b. fees payable. Fees are a cost, while cashback, shop discounts, and worldwide travel insurance can be benefits.
3. c. weekly shopping. Consumer loans are generally suited to larger purchases such as a car, furniture, or home improvements.
4. b. false. Service credit provides a service first and bills the consumer later.

Sample answer: Pay every bill on time, borrow only what you can afford to repay, keep balances low, avoid unnecessary applications, check credit information for errors, and maintain a steady record of responsible credit use.

Answers will vary.

Sample answer: No. Credit should be used only for planned, affordable purchases. Rewards do not justify overspending or paying fees. A consumer should compare the benefit with the total cost and repay the balance on time.

Answers will vary.

Sample answer:

• Regular service credit: I may use a mobile-phone or utility account and pay every bill by its due date.
• Managing facilities: I will borrow only for planned needs, compare total fees, keep balances affordable, and set automatic reminders or payments.
• Keeping records: I will maintain a monthly budget listing each account, balance, purchase, due date, minimum payment, and payment made, and I will compare it with every statement.

Answers will vary.

1. b. false. Credit scores are important because lenders use them when deciding whether a consumer qualifies for financial products.
2. b. reduction in future buying power.
3. c. you can easily manage the minimum payments. This is not a consequence of overspending.
4. a. true.
5. a. true. Identity theft can create unauthorized debt and damage a victim’s credit score.

Sample answer: Yes. I did not realize at first because the message copied the name and design of a trusted company and created a sense of urgency. I later noticed an unfamiliar sender, an unusual link, and a request for private information. I would now verify such a message through the organization’s official contact channel.

Answers will vary.

Sample answer: I receive several spam emails each day, and I have not answered any of them. I mark them as junk, delete them, and avoid their links and attachments.

Answers will vary.

Sample answer: I check my bank accounts once a week, or about four times each month, and I also review the monthly statement. This helps me find and report unfamiliar transactions quickly.

Answers will vary.

Sample answer: A consumer can contact the lender or bank first to discuss repayment options, then seek help from a licensed financial adviser or an authorized debt-counseling service. Saudi Central Bank consumer-protection channels can also help with complaints involving regulated financial institutions.

Answers will vary.

Sample answer:

• Where I share: I am most likely to share information on social media, shopping sites, school services, and messaging apps.
• How much is already shared: I will review old posts, public profile fields, tagged photos, location history, and app permissions, then remove anything unnecessary.
• Possible harm: Criminals can combine names, dates, locations, contacts, and account clues to impersonate me, guess security answers, target me with convincing scams, or apply for credit.
• Protection: I will use strong unique passwords, multi-factor authentication, private profiles, official websites, regular account checks, and avoid sharing identification or financial details without a verified need.

Answers will vary.

1. b. false. Fraud can also happen through lost or stolen cards, skimming, discarded statements, insecure websites, hacking, phishing, or spam.
2. b. carry on as normal. A victim should act immediately.
3. d. all of the above. Thieves may use bank information to make purchases, take out loans, or apply for credit accounts.
4. d. all of the above.

1. More leverage. A credit-card customer can withhold payment for a disputed item while it is investigated; with cash or a debit purchase, the money has already left the consumer’s account.
2. A fee is the amount charged above the original cost for the ability to borrow and repay over time.
3. Credit ties part of future income to payments for past purchases, so less money remains available for future needs and purchases.
4. Freezing the card prevents additional unauthorized transactions and limits further financial loss while the fraud is investigated.
5. One method is skimming: a criminal uses electronic equipment to copy card details when the card is processed, then uses the stolen information to commit fraud.

1. a. true
2. c. having no income
3. b. a better paying job
4. b. false
5. b. false — a Mada card is a debit card linked to a current account.
6. c. no fees

1. c. using a website with a URL starting with https://
2. c. giving your card to a person who takes it into a back room
3. a. true

1. First action: Yasser should reconcile the bank statement with customer receipts, invoices, and the business cashbook to identify the discrepancy and any unauthorized payments.
2. Next action: He should contact the bank immediately, stop or dispute the payments, freeze the affected account or card, change access credentials, preserve the evidence, and report the fraud to the proper authorities. He should not enter information on the supplier’s unsecured website.
3. Type of credit: Yasser should apply for a line of credit. It gives the business flexible access to funds for short-term operating expenses and allows it to borrow only the amount needed while cash flow recovers. He must still compare fees and ensure the business can repay it.