16. Which type of investment is created by pooling the money of many people and investing it in a collection of securities? (A) common stock (B) mutual fund (C) corporate bond (D) investment club 17. Investing a fixed dollar amount at regular intervals without regard to the price of the investment at the time you buy it is (A) dollar-cost averaging. (B) buy-and-hold investing. (C) a dividend reinvestment plan. (D) net asset value investing. 18. Which legal document gives a person the power to act for another person regarding financial and legal matters? (A) probate (B) will (C) power of attorney (D) trust 19. What is it called when someone dies without a will? (A) dying intestate (B) dying in probate (C) dying without an heir (D) dying of sound mind 20. Why are credit unions able to lend funds to members at lower rates than other institutions? 21. How does the rate of compounding impact the earnings on a savings account? How does that impact your savings plan