QUESTION 11 A disadvantage of home ownership is the deductibility of mortgage interest and real estate tax payments O a TRUE O FALSE QUESTION 12 When completing a cash flow statement, deductions are subtracted from salary to dotormine take home pay a TRUE O FALSE QUESTION 13 One method to spend more money is to use a direct deposit system from payroll O a TRUE OD FALSE QUESTION 14 A benefit of investing in a certificate of deposit is the penalty for early withdrawal O a TRUE FALSE QUESTION 15 Fluctuations in market prices of stocks or bonds directly relate to fundamental changes in the financial health of corporations OS TRUE O FALSE