KB Pay Today's Quiz October 27th Answer 'Psychology' & Star Quiz 'Mixed Interest Rate' Incorrect Explanation Fully Analyzed! (ft. AppTech Tips)
Folks! Folks! 😲 October 27th, it's Monday morning, starting a new week!
How was your weekend? As Monday blues might slowly creep in, how about starting off cheerfully with some rewarding 'AppTech'? 💰
Once again, KB Financial Group's flagship AppTech, KB Pay Today's Quiz and KB Star Banking Star Quiz are here! Just get the answers right and valuable Pointri accumulates steadily.
Today's quizzes feature a general knowledge question about understanding our minds and a financial term question that everyone should know. I'll thoroughly explain even the confusing parts, so check the answers and grab both Pointri and abundant knowledge! 🚀
October 27th, Monday! A new week has begun. Monday morning, take a brief moment to refresh your mind and earn a little extra pocket money with KB Financial's quizzes! Today's questions and answers, plus useful related information you should know! Let's start now.
1. KB Pay Today's Quiz: The Study That Reads the Mind? (October 27th)
Today's KB Pay quiz presented a question testing humanistic knowledge. It's an interesting topic that explores the principles behind our daily behaviors and thought processes.
❓ Today's Question:
What is the academic discipline that scientifically studies the human mind and behavior?
✅ Answer: Psychology
💡 [Answer Explanation & TMI]
The answer is 'Psychology'! It is an academic discipline that scientifically explores answers to various phenomena around us, such as 'Why do I hesitate to make certain choices?' or 'Why does that person act unpredictably?'. It's not just about psychological tests or counseling; it encompasses a wide range of fields like cognitive, developmental, social, and clinical psychology, integrating efforts to deeply understand the complex entity that is the human being.
In modern society, psychology is actively applied and researched in various fields closely related to daily life, such as marketing psychology analyzing consumer purchasing behavior, industrial and organizational psychology dealing with effective communication and teamwork within organizations, and clinical psychology for mental health promotion. I hope today's quiz serves as an opportunity to reflect once more on how the word 'psychology' is deeply connected to our lives beyond a mere concept. Answer correctly and don't forget to collect your Pointri!
2. KB Star Banking Star Quiz: Unraveling Loan Interest Rates, Getting It Right! (October 27th)
Next up is the KB Star Banking Star Quiz. This question is about financial common sense, specifically 'interest rates,' which many people need to understand when taking out a loan. The problem asks to choose the statement that is 'incorrect' among the explanations of loan interest rates!
❓ Today's Question:
Which explanation of loan interest rate types is *incorrect*?
(Options: Fixed interest rate: The interest rate remains the same until the loan matures / Variable interest rate: The interest rate changes according to the base rate / Mixed interest rate: The interest rate changes every month)
✅ Answer: Mixed interest rate: The interest rate changes every month
💡 [Answer Explanation & Financial Tips]
The statement "Mixed interest rate: The interest rate changes every month" is incorrect, making it the answer to this quiz. Why is it incorrect? Let's take a closer look at the types of loan interest rates.
- Fixed Interest Rate: This method means the **interest rate remains constant from the moment the loan is taken out until its maturity**. A significant advantage is the stability it offers, as interest burden does not suddenly increase during periods of rising interest rates. However, if market interest rates fall, the loan rate does not decrease, making it impossible to switch to a lower rate. This option is suitable for those who prioritize stability and are concerned about future interest rate fluctuations.
- Variable Interest Rate: In this method, the **loan interest rate adjusts at regular intervals (typically every 3 months, 6 months, or 1 year) according to changes in the bank's base rate** (e.g., Bank of Korea's base rate, financial bond yields, COFIX rate). While there's an advantage of reduced interest burden during periods of falling interest rates, there's also a risk of increased interest burden when rates rise. The description "changes every month" might refer to a very short-term variation within variable rates, but it generally deviates from the common explanation of variable interest rate cycles.
- Mixed Interest Rate: This is a **hybrid method that combines the advantages of both fixed and variable interest rates**. Typically, **a fixed interest rate is applied for the initial few years of the loan (e.g., 3 or 5 years or longer)**, allowing for stable repayment planning during that period. **After the fixed-rate period ends, it converts to a variable interest rate for the remaining term, and interest rates then fluctuate with market changes.** Therefore, the explanation "the interest rate changes every month" is completely inconsistent with the characteristics of a mixed interest rate and is clearly incorrect.
Loans are critical financial decisions that significantly impact our lives, whether for purchasing a home or running a business. It is paramount to accurately understand the characteristics, pros, and cons of fixed, variable, and mixed interest rates, and to make a prudent choice based on one's financial situation and outlook on future interest rate trends. I hope today's Star Quiz helped you thoroughly understand the types of interest rates! Don't forget to collect your Pointri!
3. AppTech: Consistency is Key! (KB Pointri Utilization Tips)
If you've answered both quizzes correctly today, valuable KB Pointri should have been accumulated. Participating in such daily 'AppTech' offers small but definite pleasure and economic benefits.
'AppTech' is a portmanteau of **Application** and **Fintech (재테크 - Jaetech, short for financial technology/money management)**, referring to activities that consistently earn small rewards (points, cash, etc.) in daily life using smartphone apps. KB Pay and KB Star Banking apps offer various AppTech opportunities beyond today's quizzes, making them even more useful.
- Attendance Check: This is the most basic method, where you receive a certain amount of Pointri just by visiting the app daily.
- Payment Rewards: When you make card payments using KB Pay, various promotions offer additional Pointri accumulation benefits. Utilizing this as your primary payment method can maximize its efficiency.
- Open Banking Transfers: If you link other bank accounts and transfer money through KB Star Banking, you can use the service conveniently without fees, and sometimes earn Pointri by participating in transfer events. Even if it's not direct accumulation, saving on fees is fundamental to financial management!
- Participation in Various Events: New events and missions are regularly held within the KB Pay and KB Star Banking apps. Actively participating in these events provides excellent opportunities to earn additional Pointri.
The Pointri accumulated step-by-step can be used in various ways within the KB Financial Group, just like cash. For example, it can be directly used for financial services such as paying card bills, repaying loan interest, or waiving bank fees. You can also use it to get discounts on products or services at affiliated online/offline merchants. Furthermore, if you accumulate a certain amount or more, you can even convert it to cash (transfer to your bank account), making the process of consistent accumulation enjoyable and providing tangible economic benefits. Remember that small habits can build significant assets!
Today's KB Pay and KB Star Banking quizzes answers checked! 🥳
I hope this was a beneficial time, not only for getting the answers right but also for gaining interesting psychological knowledge and thoroughly understanding confusing loan interest rate terms.
Have an energetic start to the new week, and I'll be back tomorrow with the quiz answers! Let's turn small Pointri into a mountain through consistent AppTech! 😊
#KBPay오늘의퀴즈 #KBPay #오늘의퀴즈 #KB스타뱅킹 #스타퀴즈 #KBPay정답 #스타퀴즈정답 #10월27일KBPay #10월27일스타퀴즈 #심리학 #혼합금리 #고정금리 #변동금리 #대출금리 #앱테크 #포인트리 #KB금융 #금융상식
댓글 쓰기