(MONEY Magazine) – High schoolers did well enough on MONEY's financial poll that we wanted to give readers a chance to match them. But be careful; this quiz is tougher -- and trickier -- than the one the kids took. The answers are on page 178.

1.Which is the least risky investment? A. Mutual funds B. Treasury bills C. Utility bonds

2.If you buy a round lot of stock, you are buying: A. 250 shares B. 100 shares C. A large but unspecified amount

3. The most creditworthy bonds are rated: A. Aaa B. AAA C. Both of the above

4. If you have paid $800 in credit-card interest this year, how much is deductible? A. $520 B. Zero C. $800

5.Bearer bonds can be cashed by: A. Whoever possesses them B. The corporation that issues them C. The owner of the registration

6.You have just bought a home computer for your daughter's educational use. You can deduct: A. The full cost of the computer B. A percentage of the cost C. Nothing

7.When you place a ''market order'' to buy or sell, you want your broker to execute it at: A. The day's closing price B. A price you specify C. The best available price at the time he makes the transaction

8.If you use your debit card to purchase groceries, when do you actually pay the bill? A. In 30 days B. Immediately C. In 60 days

9. You win a television set (list price $400; discount price $325) in a raffle. On what price do you pay tax? A. $400 B. Zero C. $325

10. Interest rates on a bond that yielded 10% when issued have risen by 50 basis points. If you now buy the bond, what would it yield? A. 100.5% B. 10.5% C. 60%

11. What is the highest federal tax bracket this year? A. 50% B. 38.5% C. 28%

12.You must begin to take money from your IRA distributions: A. On your 70th birthday B. No later than April 15 of the year you turn 70 1/2 C. No later than April 15 following the year you turn 70 1/2

13. If you make estimated tax payments each quarter, what percentage of your total tax must you pay over the year? A. 50% B. 80% C. 90%

14. A put option on a stock is an: A. Option to buy common stock B. Option to sell a specified number of shares C. Option to buy preferred stock

15. The Dow Jones industrial average contains how many stocks: A. 15 B. 30 C. 100

16.Which is deductible? A. Unemployment insurance B. Political contributions C. Business entertainment expenses

17. You can open a Keogh plan if you: A. Hold two salaried jobs B. Own an incorporated business C. Receive payment for work other than your full-time employment

18. If you redeem an EE savings bond before maturity, you will get: A. Half the issue value B. An amount based on how long you have held the bond and a rate set by the Treasury C. The face value minus interest earned

19. What is the prime rate? A. The Federal Reserve's lending rate for its member banks B. The rate banks charge their most creditworthy customers for short-term loans C. The interest rate for Treasury notes

- 20. When you purchase a certificate of deposit (CD) from your broker, how much commission do you pay? A. None B. The equivalent of 31 days' interest C. $100

21. You and your wife both participate in company pension plans. You can still fully deduct your IRA contribution if your adjusted gross income falls below: A. $25,000 B. $40,000 C. $50,000

22. What is your liability if you lose a bank card but notify the bank three business days later? A. $50 B. $500 C. $250

23. Federal National Mortgage Association Securities (Fannie Maes) are available for what minimum cash purchase? A. $5,000 B. $1,000 C. $10,000

24. What precious metal has traded at more than $1,000 an ounce? A. Gold B. Silver C. Platinum

25. Seasonally adjusted means: A. Statistics adjusted for previous identical periods of time B. Government statistics released each season C. Statistics adjusted for inflation

26. When you purchase stock, the settlement date refers to: A. The date of purchase B. Five business days from the transaction date C. The date you receive the stock certificate

27. A red herring is a: A. Preliminary company prospectus B. New stock issue C. Checking account statement

28. When you buy stock in a street name, the securities are held in: A. A pseudonym you choose B. Your full name C. The name of the brokerage house

29. You cannot trade futures on: A. Pepper B. Corn syrup C. Barley

30. What is the maximum tax rate applied toward the sale of stocks for long- term gains this year? A. 50% B. 38.5% C. 28%

BOX: Answers to the quiz on page 172:

1 B. Any bond or note issued by the U.S. government is guaranteed by a federal agency; the other investments are riskier. 2 B. 3 C. Moody's Investors Service rates its best bonds Aaa. Standard & Poor's uses AAA. 4 A. Under tax reform, consumer interest is no longer fully deductible; this year, 65% of such interest is deductible. 5 A. Anyone holding a coupon for a bearer bond can cash it; the issuer of the bond does not keep records of who first purchased the bearer bond. 6 C. The cost of a computer would be deductible only if it * was used exclusively for business. 7 C.8 B. 9 C. When you win a prize, the fair market value of the prize is considered income and, therefore, taxable. 10 B. 11 B. 12 C. 13 C. When you make estimated tax payments, you must pay 90% of your tax obligation, a 10% increase as a result of tax reform. 14 B. 15 B. 16 C. 17 C. 18 B. 19 B. 20 A. A broker obtains large blocks of CDs from banks; you never pay a fee to get the CD, although you can lose money if you sell the CD prior to maturity. 21 B.22 B. If you report a lost card within two days, your maximum liability is $50. After two days, you can be liable for up to $500. 23 B. 24 C. 25 A. 26 B.27 A. 28 C. 29 A. 30 C.

If you got all 30 questions right, rate yourself a financial genius. If you scored between 25 and 29, you're still qualified to give advice to money- muddled friends. With 20 to 24 right, you can at least do your own taxes. But with 15 to 19, you better find an accountant. If you scored 10 to 14 right, consider a remedial course in financial planning. With 9 or under, consult a financial professional before making any moves.