Here is the quiz. Questions are taken directly from Moneywise articles from June 5 to September 9, 2006 are available on www.theroyalgazette.com by typing 'Martha Myron' under 'Search' on the left hand side of the home page. You may wish to read the following at these websites, also referred to in previous articles: www.investopedia.com Introduction to Hedge Funds Part I and II and www.smartmoney.com/university Stocks and Bonds 101. If that all sounds like too much work for a leisurely Saturday afternoon, be brave and just take the test.

There are 15 questions. Disqualified are those who consider themselves experts and any investment related professionals. The first tencontestants with all the right answers will be the winners. A copy of Standard & Poors Guide to Money and Investing for each winner ? ten in all. No later than Friday, September 22 at 4 p.m. There are two methods of delivery. Please fax your answers along with your name, phone number and e-mail to 292-5761 or e-mail your answers to me at the e-mail address below, along with your name and phone number.

Winners (and answers) will be announced on October 8. If you would like to be included in a future article on how you handle your finances, please let me know. We can portray you anonymously if you wish. Pick the best answer(s). It's ok to use a calculator. Check out the websites. Some questions have several answers and a couple of the questions are difficult. Can't make it too easy! Do the best you can. Good luck!

a-get the same monthly payment all your life

b-see your monthly payment increase each year

c-get a monthly payment that only lasts for a certain period of time

a-$90 plus $250

b-$900 plus $250

c-$90 plus $50

a-100 percent of the estimate

b-66 percent of the estimate

c-you aren't sure but you think you better talk to your insurance provider

a-for benefits based solely on the amount contributed to the account, plus or minus income, gains, expenses and losses

b-that his/her employer puts excess profits into when he feels like it

c-there is no account, the benefit is computed on the last three years of salary before retirement.

a-65 percent stocks, 35 percent bonds

b-50 percent stocks, 40 percent bonds,10 percent cash

c-60 percent bonds, 30 percent stocks, 10 percent alternative

a-Rolex watch

b-new car

c-Three-carat diamond earrings

d-stock shares in a blue chip local company

a-$17,389

b-$17,250

c-My expenses will be the same because I will cut back on the extras to stay within my budget

a-This means that I am in and out of the market for short periods of time wearing Bermuda shorts.

b-I make terrific profits when the borrowed shares I sold go up in value.

c-When the market value of my short position drops, I step in and buy shares to replace the borrowed (and sold) ones.

a-measuring risk versus reward

b-flight to quality

c-preserving liquidity in bad markets

a-flight to quality

b-chasing performance

c-selling at the low and buying at the high I had $100 two years ago and now I have $130

b-I had $200 three years ago. I lost $50, but my mutual fund beat the benchmark

c-absolute means seeking positive returns regardless of the index or benchmark

a-keeping your cash in the cookie jar (full of ants) but you always know exactly where it is

b-purchasing a certificate of deposit. You can always cash it in

c-buying US Treasuries (Canadian, UK) as they are backed by the full faith and credit of those governments

a-this is true

b-Government may have to decide who inherits your assets

c-your assets are held jointly with daughter; after your demise, she owns everything.

a-you can frame it and hang it on the wall

b-you have a percentage ownership of a company

c-you can vote on management issues

d-you may receive a dividend

a-8 percent average

b-5 percent average, it is a pretty dull stock though earning about the same every year

c-5 percent average, but half the time the stock lost money