A Good Debt is a debt worth paying all the interest for such as: Mortgage
College
Business loan

A Bad Debt is a debt that simply makes the item cost more such as anything that will depreciate rapidly.
Depreciation means it loses worth over time and use. For example:
Cars
Clothes
Food
vacation

1. List TWO good debts for AND TWO bad debts for yourself and discuss why.

ACTIVITY:
Examine your financial situation. (Do you have a good financial situation? What makes you say this?)

Figure out what you have to work with. (What should I do to improve my situation?)

Create your own Budget on the next page For example:

(a) the reliability and validity of intelligence tests; (b) the nature of intelligence;

Explanation:

The nature of intelligence test that it is akin and identical test. Intelligence is a faculty that tells about the observation, remembrance, capacity to solve the day to day life problem ability.

Different people have different level of intelligence and different level of capacity to solve the problems. The intelligence test validity is very important. Man are more intelligent than animals.  

So that Susan experience suggest that reliability and validity of the intelligence test as well as the nature of the test.