This article is a sneak peek into our Personal Finance 101 ACE CREDIT® recommended college course. 

It's Saturday night and you can do literally whatever you want. What would you do? Sit at home on your couch and channel surf? Go see a movie with a best friend? Eat out with your S.O.? Fly to Hawaii and back?

Guess what? All those things cost money.

Ready to test yourself to see if you're smarter than a Shmooper? We've gathered four questions (and answers—you're welcome) from some of our favorite premium online courses and test prep. 

Be warned, though: some are tougher than others. If you get stuck or want to learn more about the topic covered in the question, simply click the associated link to go to the course.*

Ready to test yourself to see if you're smarter than a Shmooper? We've gathered four questions (and answers—you're welcome) from some of our favorite premium online courses and test prep. 

Be warned, though: some are tougher than others. If you get stuck or want to learn more about the topic covered in the question, simply click the associated link to go to the course.*

Ready to test yourself to see if you're smarter than a Shmooper? We've gathered four questions (and answers—you're welcome) from some of our favorite premium online courses and test prep. 

Be warned, though: some are tougher than others. If you get stuck or want to learn more about the topic covered in the question, simply click the associated link to go to the course.*

When planning your menu for the restaurant you're launching, you can’t just tell suppliers “send the right amount of sea bass.” You have to give an actual number. Figuring out budgets and resource allocation for a restaurant (especially with your moody clientele) is hard.

Ready to test yourself to see if you're smarter than a Shmooper? We've gathered four questions (and answers—you're welcome) from some of our favorite premium online courses and test prep. 

Be warned, though: some are tougher than others. If you get stuck or want to learn more about the topic covered in the question, simply click the associated link to go to the course.*

• Alpha. It means "smarts", more or less. If you have a lot of it, you will have made good risk-reward-related bets in the land of investing and/or trading and you'll be that geek on the boat. 
• Beta. Volatility. Risk. It's the key calculus driver in assessing the Street's view of how to price risk. 
• Theta. Time, specifically the decay of time in options that creep slowly toward expiry.