answers the question. cwhich the payment of taxes is postponed until sone future date is called 35) A) tax-deferred 8) tax-de layed C) tax-postponed D) tax-tardy E) none of the above TRUE/FALSE. write .T' f the statenent is true and .F' if the statement is false. 36) It is always a wise financial decision to wait until you are earning a substantial anount of money before you start establishing a disciplined financial plan for your future. 36) MULTIPLE CHOICE. Choose the one alternative that best completes the statement or answers the question 37) Which of the following financial institutions is a not-for-profit organization that is open only to members of that institution and tends to offer more favorable interest rates to borrowers and savers? A) conmercial bank 8) credit union C) savings bank D) savings and loan association E) None of the above are correct. e T' if the statement is true and F' if the statement is false. you automate your savings you are less likely to spend those dollars 38) When because they never become part of the funds in your checking account 38) Investment earning twelve percent interest per year should double in value in approximately four years. 39) MULTIPLE CHOICE. Choose the one alternative that best completes the stat answers the question. 40) The percentage of the last dollar you earn that goes toward your taxes is your A) average tax rate. B) tax deferral rate. C) base tax rate. D) marginal tax rate. E) none of the above