How to know overall charge of molecule?

see question # 12 here, why is it -1? how do you know?
itech.pjc.edu/tgrow/2210/chm2210ps4sol.pdf

You calculate the formal charge of each atom.Do you know how to do formal charge. oxygen is zero, middle C is 0, Cl is 0, top C is -1; therefore, the charge on the entire ion is -1,+0+0+0 = -1.