1: has no annual fee and an initial APR of 0%. The card also includes rewards: with every $1,000 spent you get a $10 gift card to a local burger chain. After 6 months, the APR jumps to 19.1% Card 2: has no annual fee, and an initial APR of 0%. The cardholder can take money out on the card at the ATM. However, when these types of transactions are made, the APR jumps to 24.1%. In fact, spending $35,000 on the card you get a free domestic airline flight. 3: has no annual fee, although the APR is 12.9%, with no different initial APR. No rewards are offered. 4: is a little different. There is an annual fee of $150, but no APR. With this card, you have to pay off your balance every month. This card also features a rewards program: you get one "point" for every dollar spent on the card, and the points can be redeemed for magazine subscriptions and other items. 5: isn’t officially a credit card. There is no annual fee, no APR, and no balance carried. This card takes money directly from your savings or checking account. Credit Card Comparison Student Organiz

If you offer up your car as a demonstration that you will pay off your loan to a bank or another financial lending institution, you are using your car as collateral. true false

How could brian, who doesn't want his car insurance premiums to increase, show he poses a low risk to his insurance company? a: drive safely to avoid accidents and traffic citations b: wash and wax his car regularly to keep it clean c: allow unlicensed drivers to drive carelessly in his car d: incur driver's license points from breaking driving laws

Reliability and validity reliability and validity are two important considerations that must be made with any type of data collection. reliability refers to the ability to consistently produce a given result. in the context of psychological research, this would mean that any instruments or tools used to collect data do so in consistent, reproducible ways. unfortunately, being consistent in measurement does not necessarily mean that you have measured something correctly. to illustrate this concept, consider a kitchen scale that would be used to measure the weight of cereal that you eat in the morning. if the scale is not properly calibrated, it may consistently under- or overestimate the amount of cereal that’s being measured. while the scale is highly reliable in producing consistent results (e.g., the same amount of cereal poured onto the scale produces the same reading each time), those results are incorrect. this is where validity comes into play. validity refers to the extent to which a given instrument or tool accurately measures what it’s supposed to measure. while any valid measure is by necessity reliable, the reverse is not necessarily true. researchers strive to use instruments that are both highly reliable and valid.