Question

pregunta 12 (5 puntos)
what is the best way to buy a new car?

a purchase used (2 - 3 years old) with cash
b purchase new at the end of the model year
c leasing
d 0% financing on a new or used car

pregunta 13 (5 puntos)
a measure of an individual’s credit risk; calculated from a credit report using a standardized formula.

a credit account
b credit report
c credit card
d credit score

Explanation:

Pregunta 12: Used cars 2-3 years old have steep initial depreciation already absorbed, and cash avoids interest costs, making this the most cost-effective option.
Pregunta 13: A credit score is the standardized metric calculated from credit report data to assess an individual's credit risk.

Answer:

Pregunta 12: a. purchase used (2-3 years old) with cash
Pregunta 13: d. credit score