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Adult Roles Financial Literacy Part A Review Flashcards | StudBud
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Adult Roles Financial Literacy Part A Review
Which statement is an appropriate active listening response?
Unconditional love is defined as:
Adult Roles Financial Literacy Part A Review
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1
Unconditional love is defined as:
Showing love regardless of their actions or beliefs
Showing love only when someone is at their best
2
Which statement is an appropriate active listening response?
If you think that's bad let me tell you what happened to me
Why did you say something like that to her
I know what I would do if I was in your place
"You must have been really upset by that."
3
What payroll deduction is voluntary? (select two)
Retirement
Health Insurance
Social Security
Federal Income Tax
4
Which of the following is a wise consumer practice?
Considering the features you need in a product
Finding the highest price item because its the best quality
Buying from an internet without a secure connection
Buying on Impulse
5
If a verbal message conflicts with a nonverbal message, what do people usually believe?
The verbal message
Their own conclusion
The nonverbal message
Neither message
6
List two things tax dollars are used for:
Libraries/Schools
Private Investigators
After Christmas sales
Roads
7
The phrase "Taking responsibility of decision" is BEST described by the statement:
Explaining the decisions you have made
Apologizing for mistakes you make
Living with the consequences
Justifying the decision
8
When solving conflict, which of the following is DESTRUCTIVE
Attacking the problem, not the person
Giving up on resolving the conflict
Talking one at a time
Avoiding personality attacks
9
Medicare is used for what two types of individuals?
Children
Mothers
Disabled
Retired
10
A pyramid scheme is a type of fraud that requires recruiting new members.
True
False
11
What is a consumer?
A person who uses goods or services
Someone who is actively attending school
12
When people fight but yield on certain points are allowed to have their way on other points
Compromise
Discussion
Supression
Tantrums
13
Self-Concept will be LOWERED by:
making good decisions
Finding satisfaction in your accomplishments
Reaching personal goals
Finding satisfaction only when your are at your best
14
An individual that has been a victim of rape should:
Go to the emergency room or a crisis center
Shower and scrub their body as soon as possible
Throw away the clothes they are wearing
Never tell anyone
15
The higher the price of the product the better the quality the product will be.
True
False
16
T or F. The use of alcohol in a dating relationship often increases unintended sexual activity.
True
False
17
What is a deductible?
The type of coverage you have on your vehicle
The amount you pay towards a loss before insure comp. pays
18
What is an opportunity cost of dropping out of school?
Increased interesting activities
Lower future income
Wider choice of jobs
Higher future income
19
What is compromise?
When one party is satisfied and the other is not
Involves communication through physical attacking
Both parties give up something and come to an agreement
Love that lasts forever
20
Net income is always more than gross income.
True
False
21
Superficial Communications involves;
Talking about deep subjects
Talking about your hero
Talking about your goals for the future
Talking about daily events
22
Which NONVERBAL communication type can help start a conversation with someone you don't know?
Smiling
Blinking
Touch
Laughing
23
Which of the following is a fixed expense?
Fuel for the Month
Cell Phone Payment
Credit Card Payment
Mortgage
24
An appropriate description of reachable goals is that they are:
Realistic, Unmeasurable, and Specific
Realistic, Unmeasurable, and General
Realistic, Measurable, and Specific
Realistic =, General, and Specific
25
Which is an example of DESTRUCTIVE communication?
Making eye contact
"you" messages
"I" messages
Speaking in a positive tone of voice
26
Jan is deciding which school to attend and making a list of possibilities.
Identifying the alternatives
Making the decision
Comparing the possible outcomes
Evaluating the results
27
Which of the following does an employer usually provide?
Lunch each day
All of the above
A group health insurance policy
A home
28
What happens when behaviors are in opposition to values?
Happiness Abounds
Guilt & Internal Conflict Arise
29
Someone who is very jealous, short-tempered, and must be in control is more likely to be:
A victim
An abuser
30
What is a practical reason for an expensive purchase?
Emotions
Need
Peer Presure
Impulse
31
A beneficiary is:
The person who purchased the insurance policy
The person who receives the money if someone dies
32
Emergency savings is the best way to budget for unplanned expenses.
False
True
33
Assertiveness in dating lead to healthy self-concept.
False
True
34
What is a premium?
The cost of your insurance policy
The type of insurance you have
35
What is the purpose of goal setting in the financial planning process?
To provide direction for spending and actions
To differentiate between needs and wants
To clarify goal ranges
To facilitate decision making
36
I messages express feelings without becoming defensive.
False
True
37
Which of the following is a positive characteristics in a dating partner?
Showing concern for your feelings
Being concerned only about him/herself
Always trying to impress you
Talking about others they have dated
38
Which of the following is DESTRUCTIVE behavior to use in a conflict situation?
The need to be right
Clarifying
"I" messages
Reflective listening
39
Which of the following is not a financial category typically used in a budget?
Housing
Financial Goal
Transportation
Savings
40
A positive self-concept is built by:
Setting & achieving personal goals
Thinking poorly of ourselves
Letting others make our decisions
41
A verbal contract is a good consumer practice.
False
True
42
How much money should be budgeted for housing each month?
15%
20%
50%
30%
43
Values are:
What are friends want us to do
Ideas that change often
Personal and give us our identify
44
When a company is established (there for awhile) the company is less likely to be fraudulent.
False
True
45
The only way to ensure that you do not have an STD before marriage is abstinence (NO SEX)
False
True
46
Goals should be determined by:
Our values
Society's view on current issues
The expectations our parents have for us
Our peers
47
What has the most impact on a teen remaining sexually abstinent?
Wanting to impress others
Having a clear set of values
How active their social life is
The number of friends they have
48
which of the following is not on a W-2?
Wages
Taxes withheld
Employers Name
Hours Worked
49
Once you have created a budget it is not supposed to be flexible.
False
True
50
"When the garbage isn't taken out, I am annoyed because it begins to smell" is an example of:
A demand
Blaming
Validating
An "I" message
51
Which of the following is not a payroll deduction?
Federal Tax
Self-employment tax
State Tax
FICA
52
Which of the following is not considered when determining the cost of living?
Education Goals
Total Salary
Cost of Transportation
Cost of housing
53
Long-term financial goals are:
Seldom accomplished
Accomplished by older people
Easier to accomplish than short-term goals
Easier to achieve if you set a short-term financial goals
54
Assertiveness in communication means:
Putting other people down
Expressing feelings honestly and directly
Never saying no
Being forceful, hostile, or destructive
55
What are three examples of DESTRUCTIVE communication?
I messages
Blaming
You messages
Character assasination
56
An unbiased source of consumer information is?
The company selling the product
A sales person at the store
All of the above
A consumer magazine
57
An advertisement with a happy family driving together in a car is telling the consumer
If you buy that car you can drive fast
This is how your family will be if you buy this car
58
Which of the following affects the total amount of income you will earn over a lifetime?
Level of Education
The type of job you had in high school
59
A good reason for dating is to allow people to:
Fell important
Learn about a relationship
Fell secure about having someone to go out with
Show others they are liked
60
"I" messages are effectively used to:
Indicate a persons inappropriate behavior
Create solutions
Give directions to another person
Express feelings without making people defensive
61
Which of the following is CONSTRUCTIVE behavior to use in a conflict situation?
Making eye contact
Standing as close as possible to the other person
Raising your voice
Making it clear that you will not give in
