Questões para concursos

ID 604 Inglês Interpretação de Texto Reading Comprehension AOCP 2022

Texto associado

What is the Difference Between Checking and Savings Accounts? The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options.

In contrast, savings accounts have a limit on the number of withdrawals you can make each month. While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money. Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities.

There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner. (Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking savings#:~:text=The%20main%20difference%20between%20check ing,and%20where%20you%20need%20it)

Choose the alternative that correctly describes the meaning of one of the following words which were taken from the text.

A In the text, the word “ cash ” (1 st paragraph) is being used to refer to equivalent forms of money such as checks, vouchers, or debit cards, as opposed to using credit cards or digital payment options.

B In the text, the word “ parent ” (2 nd paragraph) is being used to refer to a person who relates to a given user as a responsible companion in the absence of the father or mother.

C In the text, the word “ daily ” (1 st paragraph) is being used to refer to something, usually a long task, which takes an entire day to be completed and thus can only be done once at a time.

D In the text, the word “ withdrawals ” (1 st paragraph) is being used to refer to the act of taking out money from a bank account with the intention of returning it in the near future.

E In the text, the word “ interest ” (3 rd paragraph) is being used to refer to the sum of money that a person earns as a percentage of their own deposit in their bank account.

ID 603 Sem disciplina Advérbios e Conjunções Adverbs And Conjunctions AOCP 2022

Texto associado

What is the Difference Between Checking and Savings Accounts? The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options.

In contrast, savings accounts have a limit on the number of withdrawals you can make each month. While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money. Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities.

There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner. (Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking savings#:~:text=The%20main%20difference%20between%20check ing,and%20where%20you%20need%20it)

Pay close attention to the terms/idioms that are underlined in the five following sentences:

I. While both allow you to access your money, you may consider it easier to do so with checking accounts (1 st paragraph).

II. In contrast , savings accounts have a limit on the number of withdrawals you can make each month (1 st paragraph).

III. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account (2 nd paragraph).

IV. When it comes to setting aside money for a long-term need or goal, you should consider a savings account (3 rd paragraph).

V. There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner (4 th paragraph). Now, choose the alternative that classifies these terms correctly and matches them with an appropriate synonym.

A In sentence I, the term “while” is used as a conjunction to connect two contrasting ideas and it could be replaced by “rather than” with no loss in meaning.

B In sentence II, the idiom “in contrast” is being used to say that the following idea is very different from the previous one, and it could be replaced by “notwithstanding” with no loss in meaning.

C In sentence III, the term “without” is used as a preposition and it could be replaced by “alongside” with no loss in meaning.

D In sentence IV, the idiom “when it comes to” is being used to identify the topic that is being talked about, and it could be replaced by “regarding” with no loss in meaning.

E In sentence V, the term “though” is used as a conjunction, and it could be replaced by “furthermore” with no loss in meaning.

ID 602 Inglês Interpretação de Texto Reading Comprehension AOCP 2022

Texto associado

What is the Difference Between Checking and Savings Accounts? The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options.

In contrast, savings accounts have a limit on the number of withdrawals you can make each month. While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money. Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities.

There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner. (Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking savings#:~:text=The%20main%20difference%20between%20check ing,and%20where%20you%20need%20it)

Read the excerpt below and choose the only alternative with a plausible interpretation of its content: “Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money.”

A The efficacy of a savings account is contingent upon the users’ willingness to be more mindful when making their daily purchases using the account, since their larger life goals are at stake.

B To use a savings account, users must prioritize life goals and restrict their everyday purchases to a minimum, except for when the accrued interest justifies superfluous spending.

C Savings accounts are subject to more restrictions than checking accounts since they are less flexible on giving users access to their money, which means they are mostly aimed at the wealthy.

D In order for users to access their money from a savings account, it is necessary for them to either go to the bank personally, set up a transfer online or make an ATM withdrawal.

E To withdraw money from a savings account, users must agree to the condition that their money may stop accruing interest and growing over time for a short period.

ID 601 Inglês Interpretação de Texto Reading Comprehension AOCP 2022

Texto associado

What is the Difference Between Checking and Savings Accounts? The main difference between checking and savings accounts is that checking accounts are primarily for accessing your money for daily use while savings accounts are primarily for saving money. Checking accounts are considered “transactional,” meaning that they allow you to access your money when and where you need it. While both allow you to access your money, you may consider it easier to do so with checking accounts. Since these accounts are designed to give you easy access to your cash, they often come with debit cards, checks, and even offer digital payment options.

In contrast, savings accounts have a limit on the number of withdrawals you can make each month. While checking accounts are convenient for daily cash needs, it’s important to remember that they may be age restricted. Most banks won’t allow people under the age of 18 to open a checking account without a parent or legal guardian as a co-owner of the account. Before opening a checking account, make sure that its terms fit your financial needs and your lifestyle.

When it comes to setting aside money for a longterm need or goal, you should consider a savings account. Savings accounts are designed to hold money over a long period of time to help you save for larger goals (rather than everyday purchases). As your money stays in the account, it will accrue interest and grow over time. This means that you will need to visit your bank, set up a transfer online, or make an ATM withdrawal to access your money. Keeping some of your money in a savings account is a great way to set it aside for emergencies or large purchases – its limited access will keep you from spending it on day-to-day necessities.

There are also dedicated savings accounts for kids, though a parent or guardian is usually required as a joint owner. (Adapted from: https://www.santanderbank.com/personal/resources/checkingsavings/difference-between-checking savings#:~:text=The%20main%20difference%20between%20check ing,and%20where%20you%20need%20it)

According to the text, checking accounts are considered ‘transactional’. This feature points to the specific ways in which this type of account is meant to be used by clients. In practice, what does the term ‘transactional’ mean in this context?

A It means that transactions are operations which can only be done once users reach the age of 18 or older and become financially responsible adults, otherwise checking accounts will remain age restricted, without exceptions.

B It means that there are very little restrictions on the number of transactions a user can make, though banks still recommend users to use debit cards and checks instead of digital payment options for safety

C It means that users are allowed to make transactions whenever and wherever they need, while also being provided with other means of accessing their money such as debit cards, checks and digital payment options.

D It means that once users sign a formal agreement stating that they won’t use the account for their daily cash needs, banks will provide them with additional options to access their money and easily make transactions.

E It means that transactions will only be allowed if a parent or legal guardian is present as a co-owner when users are under the age of 18, and in these cases additional payment options won’t be provided.

ID 600 Filosofia do Direito Conceito de Direito AOCP 2022

Como se sabe, moral e ética não são sinônimos. Moral vem do grego Mos ou Morus , referindo-se exclusivamente ao regramento que determina a ação do indivíduo. Nesse sentido, assinale a alternativa que apresenta diferenciações corretas a respeito de ética e moral.

A Ética é ação; moral é reflexão.

B Ética é mais ampla; moral é parte da ética.

C Ética é prática; moral é teoria.

D Ética é parte da moral; moral é mais ampla.

E Ética é realização efetiva e cotidiana de valores; moral é filosofia moral, doutrina.

ID 599 Filosofia do Direito Aspectos Introdutórios de Filosofia AOCP 2022

A área da filosofia do direito que estuda a ética é conhecida como axiologia, do grego “valor” + “estudo, tratado”. No que se refere à ética, princípios e valores, assinale a alternativa correta.

A Princípios são comandos definitivos, com teor claro e preciso.

B No caso de conflito entre regras, a resolução se dá por ponderação à luz dos princípios da razoabilidade e da proporcionalidade.

C No caso de conflito entre princípios, a resolução se dá por critérios de especialidade ou anterioridade.

D Regras são normas amplas, trazem mandamentos de otimização.

E A distinção entre regras e princípios é uma distinção entre dois tipos de normas, fornecendo juízos concretos para o dever ser.

ID 598 Filosofia do Direito Conceito de Direito AOCP 2022

A respeito de ética e democracia: exercício da cidadania, assinale a alternativa INCORRETA.

A As origens da chamada democracia se encontram na Grécia antiga, sendo permitida a participação direta daqueles poucos que eram considerados cidadãos, por meio da discussão na polis.

B A respeito da democracia brasileira, tem-se que se está diante da democracia semidireta ou participativa, um ‘sistema híbrido’, uma democracia representativa, com peculiaridades e atributos da democracia direta.

C Na democracia brasileira, é possível se falar em participação popular no poder por intermédio de um processo, no caso, o exercício da soberania que se instrumentaliza por meio de plebiscito, referendo, iniciativa popular, bem como outras formas, como a ação popular.

D Democracia (do grego “demo” + “kratos”) é um regime de governo em que o poder de tomar decisões políticas está com os cidadãos, de forma direta, quando ao cidadão é dado o poder de eleger um representante; ou de forma indireta, quando um cidadão se reúne com os demais e, juntos, eles tomam a decisão política.

E A democracia pode existir em um sistema de governo presidencialista ou parlamentarista; em um formato republicano ou monárquico, eis que o que importa é que os cidadãos tenham o poder de tomar decisões políticas, por si, ou seus representantes.

ID 597 Conhecimentos Bancários Estrutura do Sistema Financeiro Nacional AOCP 2022

O Sistema Financeiro Nacional (SFN) é composto por um conjunto de entidades e instituições que promovem a intermediação financeira. Nesse sentido, analise as assertivas e assinale a alternativa que aponta as corretas.

I. A organização do Sistema Financeiro Nacional (SFN) acontece por meio de agentes normativos, supervisores e operadores.

II. O Conselho Monetário Nacional, órgão normativo, tem a responsabilidade de formular a política da moeda e do crédito.

III. O Banco Central do Brasil, entidade supervisora, tem por objetivo monitorar e fiscalizar o sistema financeiro, além de executar as políticas monetária, cambial e de crédito.

IV. A comissão de valores mobiliários (CVM), bancos, caixas econômicas e a bolsa de valores são exemplos de operadores do SFN.

A Apenas I e II.

B Apenas I, II e III.

C I, II, III e IV.

D Apenas II, III e IV.

E Apenas II e III.

ID 596 Conhecimentos Bancários Ações AOCP 2022

Você foi escalado para desenvolver e implementar um projeto relacionado à tecnologia da informação (TI), que tem por objetivo colaborar com a avaliação dos principais papéis negociados no mercado de capitais, a respeito dos quais é correto afirmar que

A as ações podem ser classificadas em três espécies: ordinárias, preferenciais e de fruição ou gozo.

B as opções sobre ações representam um direito de compra de ações ao preço de mercado, válido por tempo determinado.

C os DRs ( Depositary Receipts ) apresentam duas categorias quando negociados nas bolsas de valores norte-americanas.

D os Brazilian Depositary Receipts (BDR) são uma forma de captar recursos no mercado internacional, mediante o lançamento de recibos de depósitos (DR).

E as debêntures representam a menor parcela (fração) do capital social de uma sociedade anônima, destinadas ao financiamento de projetos de investimentos.

ID 595 Conhecimentos Bancários Cdb e Rdb AOCP 2022

Em relação aos produtos financeiros (ativos e passivos) disponíveis, assinale a alternativa correta.

A O Certificado de Depósito Bancário e o Recibo de Depósito Bancário podem ser transferidos, a qualquer momento, para outros investidores.

B O hot money são operações de curto prazo e é utilizado para financiar o caixa das empresas. Tem como referencial a taxa CDI e o spread cobrado, sendo isento do IOF.

C O CDI (Certificado de Depósito Interfinanceiro) é um título que lastreia as operações entre os bancos. É isento de IR e os juros são definidos pela taxa over.

D Commercial papers são títulos privados bancários, emitidos para compensar o depósito compulsório realizado pelos bancos junto ao BACEN.

E A caderneta de poupança é uma aplicação popular e possui como principais atrativos a liquidez imediata e a isenção de IR para pessoas físicas e jurídicas.

Questões para Concursos

Questões por banca

Choose the alternative that correctly describes the meaning of one of the following words which were taken from the text.

According to the text, checking accounts are considered ‘transactional’. This feature points to the specific ways in which this type of account is meant to be used by clients. In practice, what does the term ‘transactional’ mean in this context?

Como se sabe, moral e ética não são sinônimos. Moral vem do grego Mos ou Morus , referindo-se exclusivamente ao regramento que determina a ação do indivíduo. Nesse sentido, assinale a alternativa que apresenta diferenciações corretas a respeito de ética e moral.

A área da filosofia do direito que estuda a ética é conhecida como axiologia, do grego “valor” + “estudo, tratado”. No que se refere à ética, princípios e valores, assinale a alternativa correta.

A respeito de ética e democracia: exercício da cidadania, assinale a alternativa INCORRETA.

Você foi escalado para desenvolver e implementar um projeto relacionado à tecnologia da informação (TI), que tem por objetivo colaborar com a avaliação dos principais papéis negociados no mercado de capitais, a respeito dos quais é correto afirmar que

Em relação aos produtos financeiros (ativos e passivos) disponíveis, assinale a alternativa correta.

Mensagem enviada!