UGBA 135 CERTIFICATION EVALUATION
2026 BUSINESS ANALYTICS QUESTIONS
AND SOLUTIONS VERIFIED GRADED A+
●● What factors directly affect your credit score? (Choose all that
apply.)
Annual Income
Debt Burden
Length of Credit History
Payment History.
Answer: Debt Burden
Length of Credit History
Payment History
●● Which factor has the largest direct impact on your credit score?
Annual Income
Length of Credit History
Debt Burden
Payment History.
Answer: Payment History
,●● In the video "Prioritizing Savings" which of the following do I NOT
recommend?
Save first for your children's education, then for your own retirement.
Pay for the things you want in advance
If your employer makes a matching contribution to your 401(k) plan
always contribute enough to get the match.
Start saving early in life..
Answer: Save first for your children's education, then for your own
retirement.
●● Lenders use credit reports to help them decide whether to loan you
money and what interest rate to charge.
True
False.
Answer: True
●● Zvi Bodie invests in...
inflation protected US bonds.
gold.
international common stock index funds.
futures..
Answer: inflation protected US bonds.
, ●● Asset allocation refers to deciding which individual stocks to buy.
True
False.
Answer: False
●● In most cases, as people approach retirement age, it is recommended
that they increase the percentage of their financial investments held in
stocks and decrease the percentage held in bonds.
True
False.
Answer: False
●● Most target date funds decrease their allocation to stocks over time.
True
False.
Answer: True
●● Benjamin Graham recommended holding no more than 75% of one's
portfolio in stocks and no less than 25% in gold.
True
False.
Answer: False
2026 BUSINESS ANALYTICS QUESTIONS
AND SOLUTIONS VERIFIED GRADED A+
●● What factors directly affect your credit score? (Choose all that
apply.)
Annual Income
Debt Burden
Length of Credit History
Payment History.
Answer: Debt Burden
Length of Credit History
Payment History
●● Which factor has the largest direct impact on your credit score?
Annual Income
Length of Credit History
Debt Burden
Payment History.
Answer: Payment History
,●● In the video "Prioritizing Savings" which of the following do I NOT
recommend?
Save first for your children's education, then for your own retirement.
Pay for the things you want in advance
If your employer makes a matching contribution to your 401(k) plan
always contribute enough to get the match.
Start saving early in life..
Answer: Save first for your children's education, then for your own
retirement.
●● Lenders use credit reports to help them decide whether to loan you
money and what interest rate to charge.
True
False.
Answer: True
●● Zvi Bodie invests in...
inflation protected US bonds.
gold.
international common stock index funds.
futures..
Answer: inflation protected US bonds.
, ●● Asset allocation refers to deciding which individual stocks to buy.
True
False.
Answer: False
●● In most cases, as people approach retirement age, it is recommended
that they increase the percentage of their financial investments held in
stocks and decrease the percentage held in bonds.
True
False.
Answer: False
●● Most target date funds decrease their allocation to stocks over time.
True
False.
Answer: True
●● Benjamin Graham recommended holding no more than 75% of one's
portfolio in stocks and no less than 25% in gold.
True
False.
Answer: False
