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psych exam 3 part 2 – Flashcards 194 terms

Lucas Davies

194 terms

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psych exam 3 part 2 – Flashcards

question

The jury deliberated on the rape case for over 8 hours. Some of the jurors commented that the rape victim had a history of going out to various bars and had been dressed too provocatively. Looking like that, she asked to be assaulted. This behavior is best explained in terms of the:

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just-world phenomenon.

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After the events of 9/11, some Americans began boycotting Arab-American stores and lashing out at any Middle-Eastern person they saw. This behavior is best explained in terms of:

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the scapegoat theory.

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The tendency to favor one's own group, the group with whom we share a common identity, is called:

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ingroup bias.

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Research shows that, after extensive exposure to X-rated sexual films, men are subsequently ________ accepting of women's sexual submission and ________ likely to perceive a woman's friendliness as sexual interest.

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more; more

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When the temperatures go up in the summer, the rates of violent crimes increase. This is best explained in terms of:

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the frustration-aggression principle

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Shortly after learning he did not make it onto his high school football team, Alex vandalized the team's locker room and broke several of the school's windows. His behavior is best explained in terms of:

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the frustration-aggression principle.

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Discrimination is a negative ___________, whereas prejudice is a negative ___________.

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behavior; attitude

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____________ is an unjustifiable, usually negative, attitude toward a group and its members.

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Prejudice

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Those perceived as different or apart from one's ingroup, are called:

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outgroup.

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the frustration-aggression principle.

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____________ can be defined as any physical or verbal behavior that is intended to hurt or destroy

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Aggression

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Last week Becky read that labels can bias perceptions, so she does not support placing diagnostic labels on psychological problems. If you were trying to convince her that these types of labels do have benefits, you might tell her that mental health professionals use labels to:

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Mental health professionals use diagnostic labels to do all of these things.

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Finn has been diagnosed with attention-deficit hyperactivity disorder. Which of the following problems might he be exhibiting?

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A person with attention-deficit hyperactivity disorder will exhibit all of these behaviors.

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Brian often interrupts his teacher while she is speaking and frequently forgets to complete his homework assignments. He also has difficulty taking turns in playground games with classmates. Brian most clearly exhibits symptoms of:

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attention-deficit hyperactivity disorder.

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Elsa is a 50-year-old teacher who is openly gay. According to the American Psychiatric Association (APA), Elsa's homosexuality:

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is NOT classified as an illness

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Historically there have been a variety of models used to explain psychological disorders. The ___________ model assumes that mental disorders have physical causes that can be diagnosed and treated.

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medical

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Dr. Cobbs believes that psychological disorders are influenced by genetic predispositions and physiological states. He is also aware that inner psychological dynamics, social dynamics, and culture influence psychological disorders. Dr. Cobbs believes in a:

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biopsychosocial model.

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A large pharmaceutical company is conducting a clinical trial for major depressive disorder. They are concerned with the efficacy and safety of this new antidepressant. Their perspective is in line with the _______________ model

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medical

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You have just finished evaluating a person suffering from schizophrenia who has considerable legal and financial difficulties. His legal and financial difficulties belong on which Axis?

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John is a patient who reports significant anger, hostility, and overall disregard for people. He has been diagnosed with Antisocial Personality Disorder. His personality disorder belongs on which Axis?

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A current authoritative scheme for classifying psychological disorders is found in the:

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DSM-IV-TR.

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Lynette is released after a 4-week stay at a psychiatric hospital. She needs to find an apartment near her job, because she can't afford a car. When she talks to potential landlords, how should she describe herself?

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She should NOT tell them she was in a psychiatric hospital. Many people react negatively to those labeled "mentally ill."

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After study participants were told that a videotaped interviewee was a psychiatric patient, they characterized the person with phrases like "passive type" or "frightened of his own impulses." This study best illustrates the:

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biasing power of diagnostic labels

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David Rosenhan and colleagues conducted a study examining the biasing power of diagnostic labels. They went to mental hospital admissions offices and complained of "hearing voices" saying "empty," "hollow," and "thud." This was the only complaint they reported and displayed no other symptoms. They were all

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diagnosed as mentally ill and the causes for their disorders were "discovered."

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answer

Mental health professionals use diagnostic labels to do all of these things.

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Attention-deficit hyperactivity disorder plagues some ___ percent of children and the appearance of the disorder occurs by age ____.

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4; 7

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In _____________, a person exhibits persistently harmful thoughts, feelings, and actions.

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a psychological disorder

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Naima washes her hands about 50 times a day because she is afraid of the germs that seem to be everywhere. Rana washes her hands about 50 times a day because she is a nurse practitioner and she knows that it is an important part of her job. Why is Naima's hand washing considered part of a psychological disorder, while Rana's is not?

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All of these things classify Naima's behavior as a psychological disorder.

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An integrated understanding of psychological disorders in terms of stressful memories, evolutionary processes, and gender roles is most clearly provided by:

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a biopsychosocial approach.

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He insisted that madness was not demon possession but a sickness of the mind caused by severe stresses and inhumane conditions.

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Pinel

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Historically there have been a variety of models used to explain psychological disorders. The ___________ model assumes that mental disorders have physical causes that can be diagnosed and treated.

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medical

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Psychosocial or environmental stressors belong on which Axis

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Personality disorders and mental retardation belong on which Axis?

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You have just finished evaluating a person suffering from schizophrenia who has considerable legal and financial difficulties. His legal and financial difficulties belong on which Axis?

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diagnosed as mentally ill and the causes for their disorders were "discovered."

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answer

biasing power of diagnostic labels

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answer

Mental health professionals use diagnostic labels to do all of these things

question

answer

attention-deficit hyperactivity disorder

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According to psychologists and psychiatrists, a behavior is disordered if it is:

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A behavior must exhibit all of these factors to be considered disordered

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In _____________, a person exhibits persistently harmful thoughts, feelings, and actions.

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a psychological disorder

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answer

biopsychosocial model.

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answer

medical

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Around the world, people may experience the same genetically-based disorder quite differently, depending on their personal expectations and their cultural definition of abnormality. This best illustrates the need for:

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a biopsychosocial approach

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answer

question

You have just finished evaluating a person suffering from paranoid schizophrenia who has considerable legal and financial difficulties. You assign a code of 35. This Global Assessment code belongs on which Axis?

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Tonya is interested in studying psychological disorders. If she wants to study the classification system most often used in the U.S., she should read the:

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DSM-IV-TR.

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answer

biasing power of diagnostic labels

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diagnosed as mentally ill and the causes for their disorders were "discovered."

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Researchers find that conformity to the group increases when all of the following occur EXCEPT

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one is made to feel secure

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In one study, participants who worked alongside someone who rubbed his face or shook his foot were observed to produce the same behaviors. This mimicry illustrates

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the chameleon effect

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While you disagree with your boss, you laugh at the joke anyway to gain her approval. Your behavior illustrates

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normative social influence

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In the Milgram experiments, the level of obedience was highest when the "teacher" was __________ the experimenter and __________ the "learner."

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close to; far from

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Dr. Yen is designing an experiment on obedience to authority. She will set up a learning laboratory, and have participants deliver loud blasts of sound as punishment for incorrect answers (given by a confederate of the researcher). How can Dr. Yen increase the likelihood of the participants' obedience?

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She can make sure the participants know that she has a Ph.D. from a prestigious university

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In a follow-up obedience experiment, Milgram used 40 new teachers to determine whether participants obeyed because the learners' protests were not convincing. Once again, the new teachers complied fully ________ percent of the time.

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question

At her health club, Bonnie pedals an exercise bike much faster when other patrons are using nearby equipment. This best illustrates

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social facilitation

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Frieda is typically very shy. However, while watching a rock concert with a huge crowd, she lost her inhibitions and behaved in a sexually provocative way. Frieda's unusual behavior is best understood in terms of:

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deindividuation

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You are the expert on psychometrics and assessment; however, three of the clinicians disagree on your choice of scales. You decide to change your opinion for the good of the group. This best illustrates

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groupthink

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Your sister-in-law always has a smile on her face and a joke to tell. The moment she walks into your house you start smiling, even before she says something funny. This is caused by

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All of these things cause you to start smiling

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Alexandra is well liked by her friends. When you watch her, you can see that she mimics her friends' gestures and seems to match their moods. Chartrand would suggest that this automatic mimicry is a component of

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empathy

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In the original Milgram obedience experiment, men aged 20 to 50 had complied fully ________ percent of the time

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His experiments on obedience at Yale University are some of the most famous and involved deception.

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Milgram

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Lars is an excellent violinist. In front of an audience, he tends to play his violin even more beautifully than when he is alone. This is most likely due to

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social facilitation.

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The students at the University charged the field after the game in response to their team's loss. They vandalized the opposing team's field and the police had to be called in. This behavior is best understood in terms of

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deindividuation

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_____________ result(s) from a person's desire to gain approval or avoid disapproval

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Normative social influence

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_____________ result(s) from a person's willingness to accept others' opinions about reality

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Informational social influence

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In a study on social loafing, blindfolded students were asked to pull on a rope as hard as they could. The students pulled hardest when they thought

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no others were pulling with them

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A group of racially prejudiced high school students discussed racial issues. During the conversation, their attitudes became even more prejudiced. This best illustrates:

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group polarization

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In Asch conformity experiments, researchers find that conformity to the group increases when:

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All of these things will increase conformity to the group

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In making wedding preparations, Jason conforms to the expectations of his future bride's family, simply to win their favor. His behavior illustrates the importance of

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normative social influence

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At a meeting in your office, three of your colleagues agree that the plan is correct as is; you feel the pressure to get the plan out today and agree. Your behavior illustrates

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informational social influence

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Groupthink is fueled by a desire for

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harmony

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During a riot, a large sporting event, or mob action, we lose self-awareness and self-restraint. This is known as

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deindividuation

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A person in a group tends to exert MORE effort when he is individually accountable than when he is working with others toward a common goal. This is known as

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social loafing

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The humanistic perspective has been criticized for promoting an excessive degree of:

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individualism.

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Self-actualization is the ultimate psychological need. It only arises after basic psychological and physiological needs are met and self-esteem is achieved. Self-actualization is

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the motivation to fulfill one's potential

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In a psychology class debate on the humanistic perspective, you need to take the opposing view and rebut its positive aspects. Which of the following criticisms of the humanistic perspective can you cite?

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The descriptions of self-actualizing people reflect Maslow's personal values

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Most of Dakota's friends look at him with respect. He is self-aware, self-accepting, and open. He is spontaneous and caring, and does not worry about other people's opinions. According to Maslow, it is likely that Dakota is motivated by

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the need for self-actualization

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Humanistic psychology emphasizes the importance of

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positive self-concept

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Dr. Burns sees his own therapist in order for him to be at his emotional best for seeing patients. He is open with his feelings and self-disclosing in his own therapy. Rogers refers to this attitude as

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genuineness

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In promoting personality growth, the person-centered perspective emphasizes everything EXCEPT

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altruism

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Carl Rogers said, "The only question which matters is, 'Am I living in a way that is deeply satisfying to me?'" Critics of Rogers are most likely to object to this statement because

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Critics of Carl Rogers are likely to voice all of these objections

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The humanistic perspective fails to appreciate

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the human capacity for evil

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The humanistic perspective of personality:

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emphasizes the growth potential of "healthy" individuals

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The descriptions of self-actualizing people reflect Maslow's personal values

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A principal is looking for advice on how to improve his relationships with the teachers in his school. Carl Rogers might suggest which of the following?

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Be genuine with them and show them unconditional positive regard

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According to Abraham Maslow, people are motivated by:

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a hierarchy of needs

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According to Rogers, three conditions are necessary to promote personality growth. These are

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genuineness, acceptance, and empathy

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A psychology instructor asks his class to write down all of their thoughts and feelings about themselves. This exercise is a way to describe:

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their self-concepts

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Elena has been in therapy for two months. When she began therapy, her therapist asked her to describe herself as she would ideally like to be and as she actually is. He explained that when these two descriptions are nearly alike, the person is thought to have a positive:

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self-concept

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Although Alex is frequently caught stealing money and other valuables from friends as well as strangers, he does not feel guilty or remorseful about his actions. Alex most clearly demonstrates a

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weak superego

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According to Carl Jung, humans have a reservoir of images that are derived from our universal experiences. This is known as our

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collective unconscious

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Kayden had to take a Rorschach inkblot test for his new job. He is worried because he has heard that the Rorschach is not a very good test. Critics would agree and suggest that the Rorschach:

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is not very reliable and that it has limited validity.

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In 1921, Hermann Rorschach introduced what has become the most widely used ____________ test.

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projective

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_____________ is to the history of psychology as _____________ is to the history of rock music

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Freud; Elvis

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Bonnie is afraid to express anger toward her overbearing and irritating supervisor. Instead, she is critical of her children. A psychoanalyst would suggest that Bonnie's reaction to her children illustrates

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displacement.

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Bryce often acts overly confident and daring. Few people realize he is actually riddled with unconscious insecurity and self-doubt. Bryce best illustrates the use of a defense mechanism known as

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reaction formation

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Freud suggested that there are three interacting systems that can explain the dynamics of the human mind. These three systems refer to

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the id, the ego, and the superego

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Freud's psychoanalytic theory includes ideas about:

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an unconscious region of the mind, psychosexual stages, and defense mechanisms

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Lately, 5-year-old Liam has been acting strangely. He clings to his mother and expresses jealous feelings towards his father, almost as if his father is a rival for his mother's love. Freud would suggest that Liam is experiencing

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the Oedipus complex

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Children who have witnessed a parent's murder report memories that most clearly challenge Freud's concept of

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repression

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The _____________ perspective emphasizes the role of repressed childhood conflicts in personality disorders

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psychoanalytic

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When a patient in psychoanalysis blocks anxiety-laden material from their consciousness they are experiencing:

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resistance.

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The introduction of therapeutic drugs and community-based treatment programs in the ___________ helped to empty large mental hospitals as well as mark an era of improved treatments.

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1950s

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Your therapist is eclectic and believes in using these two empirically supported therapies for treating your depression.

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behavior therapy and cognitive-behavior therapy

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Nadine has decided to seek help for some problems she is having. She knows a little about different therapies and has decided she doesn't want to get involved in anything long-term. However, she does want to gain insight into the roots of her dificulties. If Nadine wants to gain insight into current issues, rather than delve into the past, she should try to find a therapist who specializes in:

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interpersonal psychotherapy

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Interpersonal psychotherapy is a variation on psychodynamic therapy. It is different because:

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its goal is symptom relief in the here and now, and it focuses primarily on current relationships

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When a patient in psychoanalysis begins to have feelings toward their therapist such as love or hatred and those feelings are linked to other relationships they have had or have, they are experiencing

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transference.

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Client-centered therapists emphasize the importance of:

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enabling clients to feel

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Who emphasized the importance of active listening in the process of psychotherapy?

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Carl Rogers

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During a therapy session, Jenny focuses on several intrusive thoughts that have been bothering her. The therapist tells Jenny to report any ideas or memories stimulated by these thoughts. Jenny's therapist is using a technique known as:

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free association.

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In an eating disorders clinic, the patients receive merits for good eating behaviors such as finishing their meal, not exercising after their meal, and for appropriate behaviors on the unit. This best illustrates an application of:

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the token economy

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Nancy's therapist is an active listener who often paraphrases what she says. He does not judge her and is quite open to her exploration of her weaknesses. He gives her appropriate validation and encourages her to reflect on her feelings. He wants to deepen her self-understanding. Her therapy is most likely:

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client-centered.

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This therapy is empirically supported for treating bed-wetting.

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behavior modification

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Beck's therapy, which teaches people new and more adaptive ways of thinking and acting, and is based on the assumption that thoughts intervene between events and our emotional reactions is called:

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cognitive therapy

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You recognize that depressed people do not exhibit the same self-serving bias common in non-depressed people. You are most likely a

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cognitive therapist

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Several years after his wife's death, Mr. Sanchez remains incapacitated by feelings of guilt and sadness. To reduce Mr. Sanchez's depression, a therapist is actively encouraging him to stop blaming himself for his inability to prevent his wife's death. The therapist's approach is most representative of:

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cognitive therapy.

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Your therapy with a 15-year-old patient has been going well, but she tends to bottle her feelings when discussing her relationship with her mother. You believe that she can benefit from her family's involvement which will promote positive communication. Today's session brings together your patient and her parents. You are engaging in:

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family therapy.

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At his weekly therapy session, Henry became agitated at his therapist, saying that she was controlling, domineering, and trying to ruin his life with all of her mothering. A psychoanalyst would suggest that this illustrates:

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transference.

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____________ is a behavior therapy procedure that conditions new responses to a stimuli that originally triggered an unwanted behavior.

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All of these procedures are used in behavior therapy

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To help Jacob overcome his smoking habit, a therapist puts him in a room with a carton of cigarettes laced with a chemical to induce nausea. He displays images of the dangers of smoking both on the walls and on a television set. This approach to treatment best illustrates:

answer

aversive conditioning.

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Schizophrenia and bipolar disorder are likely to be treated with ________________ therapy which acts directly on the patient's nervous system.

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biomedical

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Interpersonal psychotherapy is a variation on psychodynamic therapy. It is different because:

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its goal is symptom relief in the here and now, and it focuses primarily on current relationships

question

answer

client-centered.

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As a parent, you are skeptical of treatments that sound too good to be true. When you arrive at the psychologist's office, you ask about what is the empirically supported treatment for bed-wetting as your 6-year-old son has been having difficulties. You learn that _________________ is the empirically supported treatment

answer

behavior modification

question

In a residential treatment facility for troubled youth, adolescent children receive large colored buttons when they hang up their clothes, make their beds, and come to meals on time. The children return the buttons to staff members to receive bedtime snacks or watch TV. This best illustrates an application of:

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operant conditioning

question

The goal of stress inoculation training is to reduce incapacitating anxiety by encouraging people to say positive things to themselves during anxiety-producing situations. This best illustrates a form of:

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cognitive therapy

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Beck's therapy, which teaches people new and more adaptive ways of thinking and acting, and is based on the assumption that thoughts intervene between events and our emotional reactions is called:

answer

cognitive therapy

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Because she mistakenly believes the herbal remedy she is using will help her lose weight, Mrs. Redding is feeling a considerable reduction in her appetite. This best illustrates:

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the placebo effect

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Psychotherapy is also _____________ when compared with the greater costs of medical care for psychologically related complaints.

answer

cost-effective

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When people's symptoms of psychological distress are at their worst, anything they do to alleviate the condition is likely to be followed by improvement rather than further deterioration. This is best explained by:

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regression toward the mean

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This therapy is empirically supported for treating depression

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behavior therapy and cognitive-behavior therapy

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Therapy is likely to be most effective when a client's problem is:

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clear-cut.

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Delinquent boys put through Scared Straight programs said they were now ________ likely to be law-abiding. When compared with delinquent boys NOT assigned to Scared Straight, they became ________ likely to commit new offenses.

answer

more; more

question

Which of the following is effective in the treatment of seasonal affective disorder

answer

light exposure therapy

question

As you live up North, you want to prepare for the dark and cold winter months ahead before your seasonal affective disorder takes hold of you again. You decide to try:

answer

light exposure therapy

question

Which of the following factors is NOT a therapeutically effective component of eye movement desensitization and reprocessing?

answer

rapidly moving one's eyes

question

For the last three months, Selma has been seeing her therapist weekly. She is feeling much better because:

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All of these things are true of effective therapy

question

Good therapies share much in common, including:

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hope for demoralized people

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The American Psychological Association suggests that which of the following is a signal that a person should consider seeking help from a professional?

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A person should consider therapy if he/she experiences any of these trouble signals.

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It is difficult to evaluate the effectiveness of psychotherapy because

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testimonials from former patients can be misleading.

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It is difficult to evaluate the effectiveness of psychotherapy because

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people often enter therapy in crisis, and these crises often pass without professional help

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The placebo effect best illustrates the importance of _____________ in therapeutic outcomes

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cognitive processes.

question

answer

more; more

question

This therapy is empirically supported for treating depression

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behavior therapy and cognitive-behavior therapy

question

Therapy is likely to be most effective when a client's problem is:

answer

clear-cut.

question

Which of the following factors is NOT a therapeutically effective component of eye movement desensitization and reprocessing?

answer

rapidly moving one's eyes

question

Which of the following is least likely to be effective in the treatment of depression?

answer

eye movement desensitization and reprocessing (EMDR

question

As you live up North, you want to prepare for the dark and cold winter months ahead before your seasonal affective disorder takes hold of you again. You decide to try:

answer

light exposure therapy

question

The American Psychological Association suggests that which of the following is a signal that a person should consider seeking help from a professional?

answer

A person should consider therapy if he/she experiences any of these trouble signals

question

Good therapies share much in common, including

answer

hope for demoralized people.

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The double-blind technique is most likely to be used in evaluating the effectiveness of

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drug therapies

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Mel and her doctor are trying to decide which medication Mel should use to reduce her psychotic symptoms. Her doctor told her that the first-generation dopamine-blocking drugs can have side effects such as:

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twitches and tremors

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_______________ is a type of treatment that physically changes the brain's functioning

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Biomedical therapy

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Patients receive a general anesthetic and muscle relaxant prior to treatment with

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electroconvulsive therapy (ECT

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With _____________, patients receive repeated pulses of magnetic energy to the brain, which can be used to stimulate activity in various areas of the brain

answer

repetitive transcranial magnetic stimulation (rTMS)

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Sharon was admitted to the hospital with severe depression. She nearly killed herself by slitting her wrists. The only reason she survived is because her husband came home from work early. The only type of treatment that can bring her out of depression quickly and potentially save her life is:

answer

electroconvulsive therapy (ECT)

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Nowadays, patients are very rarely treated using _____________, a psychosurgical procedure in which the nerves that connect the frontal lobes to the emotion-controlling centers of the inner brain are cut.

answer

lobotomy

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Antipsychotic drugs are to __________ as a cork is to a ___________.

answer

dopamine receptors; bottle

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In a study using _______________, half of the patients receive a drug and the other half receives a similar-appearing placebo. Neither the patients in the study, nor the staff administering the treatment, know who gets which treatment

answer

a double-blind technique

question

Dr. Pimler is conducting a study on a new antipsychotic medication. In order to determine if the drug is effective, he should

answer

use the double-blind technique

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John is a 28-year-old male who suffers from bipolar disorder. He does not like lithium because of the side effects. His doctor prescribes this medication, originally used to treat epilepsy. This medication is:

answer

Depakote.

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Today, Ellen is going to the mental health clinic for a new treatment. During the procedure her brain will be exposed to repeated pulses of magnetic energy. This type of treatment is known as

answer

repetitive transcranial magnetic stimulation (rTMS

question

answer

electroconvulsive therapy (ECT).

question

With _____________, patients receive repeated pulses of magnetic energy to the brain, which can be used to stimulate activity in various areas of the brain.

answer

repetitive transcranial magnetic stimulation (rTMS)

question

Antipsychotic drugs are to __________ as a cork is to a ___________.

answer

dopamine receptors; bottle

question

answer

lobotomy

question

At one time, disordered people were simply warehoused in asylums. Asylums have been replaced with psychiatric hospitals, where attempts are made to diagnose and cure people suffering from psychological disorders. This best illustrates one of the beneficial consequences of:

answer

the medical model.

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The ____________ and ____________ are two major systems used to classify psychological disorders.

answer

DSM-IV-TR; ICD-10

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Your professor asks you on what axis diabetes would fall under. You answer:

answer

Axis III

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Diane is constantly concerned about things at work even when she is at home. She is constantly worried about her home life even when she is at work. Diane has a free-floating anxiety that leaves her tense, irritable, impairs her concentration, and leaves her with many sleepless nights. Diane suffers from a(n):

answer

generalized anxiety disorder

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_____________ are characterized by distressing, persistent anxiety or maladaptive behaviors that reduce anxiety

answer

Anxiety disorders

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People who suffer from generalized anxiety disorder:

answer

are tense and apprehensive all of the time

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Symptoms that can be incorrectly perceived as a heart attack are most characteristic of:

answer

panic disorder.

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Symptoms that can be incorrectly perceived as a heart attack are most characteristic of:

answer

panic disorder.

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When people suffer from a(n) ____________, they often feel intense fear that something horrible is about to happen. These feelings last minutes and include heart palpitations, shortness of breath, and dizziness.

answer

panic attack

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Twenty-year-old Brianna lives in a small town. She has always been extremely shy, but lately she has been feeling intensely afraid that others are scrutinizing her. She avoids speaking in class, she no longer goes to parties, and she starts trembling whenever she is in a public place. Brianna seems to be suffering from a(n):

answer

social phobia.

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Susan has been diagnosed with panic disorder and refuses to leave her home without her husband. She fears any situation in which she cannot escape or find help when a panic attack would strike. Susan suffers from panic disorder with:

answer

agoraphobia.

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If you have an intense fear of speaking in public, eating out, or going to parties, you may be suffering from:

answer

social phobia.

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Michael is extremely fearful of germs. He sleeps in a special chamber at night, wears gloves, and will only eat food that he can unwrap. His symptoms are most characteristic of:

answer

obsessive-compulsive disorder.

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The onset of obsessive-compulsive disorder occurs around:

answer

the late teens and twenties

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People who suffer from ____________ are so preoccupied by unwanted repetitive thoughts and/or actions that they are unable to function in their daily lives.

answer

obsessive-compulsive disorder

question

Years after he barely survived a terrorist attack that killed his wife and two children, Mr. Puskari suffers recurring flashbacks and frequent nightmares of the event. They render him incapable of holding a steady job. Mr. Puskari is most clearly showing signs of:

answer

post-traumatic stress disorder.

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PTSD rates vary from ___ percent among those who have experienced a natural disaster, to up to ___ percent among those who have been kidnapped, held captive, tortured, or raped.

answer

4; 50

question

Suffering can lead to ______________; that is, a challenging crisis can lead to an increased appreciation for life, more meaningful relationships, and changed priorities.

answer

post-traumatic growth

question

Andrea experiences extreme anxiety when she approaches any lake. Her therapist suggests that her fear is the result of a traumatic childhood boating accident. The therapist's suggestion reflects a ___________ perspective.

answer

learning

question

Mr. Hoffman has always been cautious with his money. But, over the past two weeks, he has developed grandiose plans to bet his entire savings on a single horse race. With unrestrained exuberance he has also been giving everybody he sees unsolicited advice on how to make millions in the stock market. Mr. Hoffman's behavior is most indicative of:

answer

This behavior is not indicative of a disorder. The symptoms would need to be severe and prolonged to indicate a disorder.

question

____________ is like a warning light in a car. When it is evident, it is telling us to stop and take protective measures.

answer

Depression

question

Major depressive disorder is a mood disorder characterized by signs of depression (e.g., lethargy, feelings of worthlessness, and loss of interest in family, friends, and activities). To be diagnosed with major depressive disorder, these signs must:

answer

last for two or more weeks

question

John has been having difficulties getting out of bed, is not interested in going out with friends or even answering the phone. He has let a number of bills go unpaid he is sleeping 12-14 hours a day, and he cannot concentrate at work. He has called in sick to work at least once each week. John is most likely suffering from a(n):

answer

major depressive disorder.

question

Billy has an identical twin who was recently diagnosed with bipolar disorder. Research suggests that the chances are __________ that Billy will also suffer from bipolar disorder at some point in his life

answer

7 in 10

question

Bipolar disorder affects women and men in a ratio of

answer

1:1

question

___________ is characterized by moods that alternate between the hopelessness and lethargy of depression and the euphoric, hyperactive state of mania

answer

Bipolar disorder

question

Seventy-five-year-old Walter lost his wife to a heart attack two years ago and most of his friends have passed on. His children live in other states and he has no pets. In terms of risk factors for suicide, Walter

answer

is MORE likely to attempt suicide, because the suicide rate surges among older men

question

Thirty-seven-year-old Steven has suffered with depression all his life. He has been in treatment for the last week and a half. He is starting to feel better, but he is tired of living this way and doesn't want to face another depressive episode. In terms of risk factors for suicide, Steven:

answer

is MORE likely to attempt suicide, because his energy and initiative are rebounding.

question

Amanda blames herself for her recent job loss. Her therapist suggests that her depression results from this self-blame, rather than blame of the slumping economy. Her therapist's suggestion best illustrates a:

answer

social-cognitive perspective

STUDY

20th Century Around The World Credit Card Debt Good Communication Skills Linguistics Send And Receive Top Down Approach

SOBA 205 Midterm – Flashcards 59 terms

Sarah Adrian

59 terms

Preview

SOBA 205 Midterm – Flashcards

question

The channel of communication that has the highest level of nonverbal "richness" is

answer

face to face communication

question

You should choose written communication in preference to other channels when

answer

you want to ponder each word before you send it out, to decrease your chance of making errors.

question

Which of the following is NOT a guideline for voice mail etiquette?

answer

Leave a message that contains as much detail as possible so the receiver won't have to call you back for clarification.

question

Egotism is an example of _________________ that interferes with effective communication.

answer

psychological noise

question

The role of the receiver is to

answer

attach meaning to words they hear

question

The activity of selecting words and/or nonverbals to express your ideas is known as

answer

encoding

question

Networking refers to

answer

developing contacts to gain career information and to help others in their careers.

question

According to the HBR Guide to Business Writing, you're a professional writer if you're in business, and you're writing ___________.

answer

Emails Proposals Reports

question

According to HBR, before you begin writing, you should first consider _________ and _____________.

answer

purpose and audience

question

According to HBR, which of the following is NOT true about all business audiences:

answer

They have a sense of duty to read what you put before them.

question

Jeremiah wears torn blue jeans, sandals, and a muscle shirt to his interview for a job as a computer technician. A large tattoo is clearly visible on his neck. We can conclude that

answer

if the interviewer is negatively impressed by Jeremiah's appearance, he is likely to attribute additional negative characteristics to Jeremiah.

question

All of the following are true about body movement except:

answer

When communicating, we usually pay more attention to our hand movements than to our facial expressions.

question

A specialized technical form of vocabulary that allows professionals to communicate about issues important to their field is referred to as

answer

jargon

question

You can demonstrate proper cubicle etiquette by

answer

asking permission before you enter other employees' workspace.

question

All of the following are politeness rules for those who share cubicles EXCEPT

answer

If you overhear a fellow cube dweller ask a question, shout out an answer.

question

Which of the following is NOT true about the physical environment at work?

answer

The distance that separates people in an organization has little effect on who talks to whom

question

Differences in language use between man and women

answer

don't characterize all men and women.

question

All of the following are examples of negative, rather than positive, language EXCEPT:

answer

What is the due date for the paper?

question

A masculine style often uses ______________ to maintain authority in a conversation.

answer

topic control

question

Robert is an effective supervisor because he has the ability to interpret a number of spoken and unspoken conversational cues. His subordinates in his sales division respect him because he also has the ability to develop strong rapport with each coworker by showing constant support. Which type of communication style is Robert demonstrating when he is showing support?

answer

feminine

question

The conclusion of a presentation should consist of

answer

a review and closing statement.

question

Chronological patterns are useful for

answer

explaining the steps in a process.

question

Ellie's advertising division has been asked to provide a presentation regarding the three major media options they provide: print, television, and Internet. Which of the following would be the most appropriate organizational pattern for this presentation?

answer

topical

question

All of the following are true with regard to continuity EXCEPT:

answer

Avoid "summary" subheads that point your readers to the document's highlights.

question

When using chronology to give a factual account, do all of the following, EXCEPT:

answer

Include all of the necessary and unnecessary dates to help the reader follow the time line

question

Which of the following statements is NOT true about occasion analysis?

answer

Never adapt your remarks to fit the setting.

question

Which of the following is NOT a general goal of a presentation identified in your text?

answer

evaluate

question

Which type of organizational pattern shows that certain events have happened or will happen as a result of a specific set of circumstances?

answer

cause - effect

question

"All medical facilities are designed with three essential parts: the admissions desk, the examining room, and the doctor's office." This thesis statement reflects which type of organizational pattern?

answer

spatial

question

All of the following are benefits of a well-organized speech EXCEPT:

answer

taking more time to get your point across

question

During her presentation to the board of directors, Nadia showed a slide with two graphs, side by side. One graph showed her company's current outcomes. The second graph depicted the outcomes of a similar company that had adopted the GoQuickly Training Program for its employees. Which type of support was Nadia using to make her point more memorable?

answer

comparison

question

All of the following are guidelines for the use of supporting material as "proof" EXCEPT

answer

you can probably achieve your speech goal without citing supporting evidence.

question

computer displays

answer

can show a variety of visuals, including photos, charts, graphs, and video.

question

Supporting material that explains the unfamiliar by comparing it to the familiar is called a(n)

answer

analogy

question

Which of the following is NOT true about using statistics in presentations?

answer

The more statistics you use, the more interesting your speech will be.

question

The comparisons you use as supporting material should possess all of the following characteristics EXCEPT:

answer

Comparisons that stretch a point are recommended for making a concept more vivid.

question

Which types of story can be used to add interest to a presentation?

answer

factual hypothetical fictional

question

All of the following are typical mistakes made by beginners who attempt to use presentation software EXCEPT:

answer

spending so much time on organizing your speech outline that you run out of time to select your favorite design template

question

The leading scientist for research on cancer stated, "I believe that with adequate funding we could have a cure for cancer within the next 10 years." If Heather were to read this sentence out loud during her speech to the medical research board, which of the following forms of verbal support would she be using?

answer

quotation

question

Kio was injured while performing a safety inspection at the chemical plant he worked for and was taken to the emergency room. The doctor asked him a number of questions about his injuries to determine the proper course of action for treatment. According to the text, which of the following types of information-gathering interviews did Kio's doctor perform?

answer

diagnostic

question

During an interview for a new marketing position in the company that she worked for, Sharon's boss asked her a number of questions such as "If you were in the following situation, what would your reaction be?" Which of the following types of question is her boss asking?

answer

hypothetical

question

Which of the following is the responsibility of the interviewee?

answer

Cover your own agenda.

question

Which of the following is NOT one of the suggested reasons for an interviewer to use an open question in an interview?

answer

to maintain control over the conversation

question

Mr. Madaren asks "How many years did you work for your previous employer?" Which type of question is Mr. Madaren using?

answer

factual

question

In most interviews (unlike typical conversations), the ratio of speaking turns is uneven. During a typical interview, the interviewee will do about ______ percent of the talking.

answer

question

Reasons for using probes include all of the following EXCEPT:

answer

demonstrating authority.

question

Chinda has been invited to a job interview that will be conducted in a behavioral format. She is changing career fields, so she has little specific work experience relevant to the position she is applying for. What should she do?

answer

Think of ways to explain how her prior accomplishments are relevant to the job she is seeking

question

Which of the following is true about the interaction that occurs during a formal interview?

answer

At least one person has a serious, predetermined reason for participating.

question

Which of the following is recommended as an effective method for getting in touch with a person you want to interview, even if they are well guarded by a gatekeeper?

answer

Ask the gatekeeper to help you.

question

it is generally not effective to __________ while presenting your speech.

answer

constantly pace back and forth.

question

Which is NOT true about disfluencies?

answer

Your audience will notice each disfluency, even if you speak only one or two of them.

question

Hua was giving a presentation to a group of investors using a delivery style that did not allow him to connect very well with his audience. Hua read from his notes and rarely looked up at the audience. His sentences were long and complex. What method of delivery did Hua use for his presentation?

answer

manuscript

question

Which of the following is true about the use of an extemporaneous delivery style during a presentation?

answer

To the audience, it often seems as if it is effortless.

question

To conclude your speech effectively,

answer

drop the pitch of your voice to signal you've finished your remarks.

question

Which of the following characterizes an oral speaking style?

answer

personal pronouns

question

Corinne is planning to give a presentation to a group of investors concerning her company's new line of paper products. She wants to carefully control the order in which she reveals information during her presentation. When would the best time be for her to answer questions from the audience?

answer

after the presentation

question

An interactive presentation

answer

is common in sales settings.

question

All of the following are guidelines for delivering an impromptu presentation EXCEPT:

answer

don't ramble.

question

Sitting instead of standing if you are presenting to a small group will help you

answer

seem conversational

STUDY

Buying And Selling Credit Card Debt Fine Arts Goods And Services Marketing Principles Of Marketing The Environment

Marketing Chapter 3 Pearson Quiz – Flashcards 22 terms

Carol Rushing

22 terms

Preview

Marketing Chapter 3 Pearson Quiz – Flashcards

question

Among the generational groups in U.S population, the ________ are still the wealthiest generation in U.S. history

answer

baby boomers

question

A critical element of microenvironmental scanning is ________, which is the study of human populations in terms of size, density, location, age, gender, race, occupation, and other statistics. This portion of the environment is of major interest to marketers because it involves people who make up markets.

answer

demography

question

Marketers target Generation Z because they ________.

answer

spent an estimated $43 billion annually of their own money

question

Which of the following is a trend that depicts the increasingly nontraditional nature of today's American families?

answer

the low percentage of married couples with children

question

Where has lost population in the past two decades?

answer

the Northeast states

question

To exercise their social responsibility and build more positive images, many companies are now building efforts in the area of ________ marketing, linking themselves to respectable, socially minded organizations and ideas, which firms increasingly use as a form of corporate giving.

answer

cause-related

question

Which of the following situations is expected to enhance the use of targeted advertising messages by marketers?

answer

increase in ethnic populations

question

Some companies hire lobbyists to influence legislation affecting their industries and stage media events to gain favorable press coverage. These firms will often run ________, which are ads expressing editorial points of view.

answer

advertorials

question

Santana Automobile's Arrow is the first mass-produced hybrid vehicle, known for its fuel efficiency and environmental friendliness. The Arrow is most likely to become popular in the ________ market.

answer

LOHAS

question

Rather than assuming that strategic options are bounded by the current environment, firms adopting a(n) ________ to the marketing environment develop strategies to change the environment.

answer

proactive stance

question

Which of the following generations is the most educated to date?

answer

Generation X

question

Which of the following generational groups is most comfortable with digital technology and embraces that technology?

answer

Millennials

question

In the context of geographical shifts in population, the migration toward ________ areas has resulted in a rapid increase in the number of people who telecommute

answer

micropolitan

question

This ethnic segment of the American market comprises roughly 5% of the total population. _____________ are consistently more confident about their financial situations than other segments and are more likely to live within their means. They tend to avoid credit card debt and save more for future eventualities.

answer

Asian Americans

question

The ________ environment offers marketers many opportunities in one of the most dramatic ways —it affects such wonders as antibiotics, robotic surgery, miniaturized electronics, smartphones, and the Internet.

answer

technological

question

Marketing intermediaries help the company promote, sell, and distribute its products to final buyers. _________ are not marketing intermediaries.

answer

suppliers

question

By 2050, ________ will be an estimated 15 percent of the U.S. population.

answer

African Americans

question

A society's ________ are expressed in how people view themselves and others, organizations, society, nature, and the universe.

answer

demographics

question

The past two decades have seen a sharp decrease in ________ America's business and political organizations and institutions, and marketing managers need to be aware of changing beliefs about firms and organizations when developing marketing mixes.

answer

confidence in and loyalty toward

question

Marketers should understand that people's core beliefs and values tend to be ________.

answer

fixed

question

The fact that people are dropping out of organized religion doesn't mean that they are abandoning their faith. Some futurists have noted a renewed interest in ________, perhaps as a part of a broader search for a new inner purpose.

answer

spirituality

question

Which of the following is most likely influenced by marketers?

answer

media

STUDY

Conceptual Framework For Financial Reporting Credit Card Debt Finance Financial Institutions And Markets Real Time Processing

IBF True/False Questions – Flashcards 39 terms

Jill Lopez

39 terms

Preview

IBF True/False Questions – Flashcards

question

The structure of any financial system can be classified into one main category, that is the financial market.

answer

False, it is also known as capital markets.

question

Al-Ijarah Thumma Al-Bay is a leasing (Ijarah) contract with a condition to sell (bay')

answer

False. No condition to sell, it must be a promise.

question

In a Musharakah agreement, the distribution of profits and losses but be done strictly according to capital contribution ratios.

answer

False. It is not based on capital contributions.

question

Bank has discretion to provide gifts or bonuses either in cash or in kind to the Wadi'ah Yad Dhamanah and Mudharabah depositors.

answer

False. In Mudharabah it is profit and loss sharing, no gifts or bonuses are given.

question

In Musharakah contract, profit and loss are being determined at the conclusion of the contract based on any mutually agreed ratio.

answer

False. The agreement of the contract, not the conclusion.

question

Bank ABC indicates a rate of potential profit to be given to General Investment Account Holder, but clearly states that it is only "indicative rate" and may change according to actual profit made. This practice is totally Shariah compliant.

answer

True.

question

In applying Murabahah as a mode of financing, many Islamic banks adopt the conventional interest rate as a benchmark in determining their profit rates. This practice is Shariah compliant.

answer

True. As long as contract elements are sharia compliant

question

Under the concept of diminishing partnership in home ownership home buyer and the bank jointly acquire and own the property. The bank leases the bank's share of the property to the home on the basis of ijarah.

answer

True. The Bank does lease its share of the property on the home based off of Ijarah.

question

Prohibited elements such as riba and maysir (gambling) are absent in takaful. However, the element of gharar is still present in the takaful contract.

answer

True. But tolerated in unilateral charitable contracts.

question

The main purpose of a sale and leaseback arrangement is to finance the purchase of a specific asset or property.

answer

False. To get cash

question

Bay' Bithamin Ajil (BBA) floating rate implies that both ceiling profit rate and effective profit rate are adjustable to the actual market rate.

answer

False. Only effective profit rate reflects market rate.

question

From the fiqh perspective, for the financing of the purchase of houses under construction, the contract of Istisna'a is more suitable than the contract of bay' Bithaman Ajil (BBA).

answer

True.

question

In principle, Murabahah financing is to enable customers to get funds to purchase assets, as well as to pay wages and salaries, overheads, maintenance expenses and other working capital related costs.

answer

False. Only commodities and assets.

question

Debit card functions the same way as credit card, except that for debit card, the cardholder is only allowed to charge up to actual amount of cash held in account.

answer

True.

question

Under Wadi'ah yad dhamanah contract deposited property must be kept separately. There is no pooling of funds.

answer

False. deposits need not be segregated

question

In Al Rahn, the source of profit for the Murtahin is the service or administrative fees for the Qardhul Hassan (benevolent loan).

answer

False. Custodial fee/Storage costs

question

In Ijarah contract, the lessor is allowed to review the rent at specified intervals, particularly for long term leases.

answer

True. As long as it states in contract mutually agree

question

In Murabahah contract, the cost and mark-up prices need not necessarily be disclosed.

answer

False. Have to disclose the cost and the profit mark up.

question

Participation in the stock market is similar to gambling (Maysir) therefore Muslims should avoid the buying and selling of shares.

answer

False. Shares are not gambling, investing is shariah compliant.

question

In a Mudarabah Investment account, the bank does provide a guarantee that the deposited (invested) funds will be completely safe (that is the bank does provide capital protection).

answer

False. Contractually the deposited amount is not guaranteed (no capital protection).

question

The Shariah prohibition of Riba implies that Islam does not recognize any time value of money.

answer

False. Shariah does recognize TVM (Time Value Money). Time is a valuable economic resource.

question

Expertise and skill in equity investment and management is not an important issue for Mudharabah/Musharakah financing.

answer

True. All partners have the right to participate in the business or trade no matter their qualification. However, it should be taken into consideration the skill sets of each individual participating in the business.

question

Islamic bank are allowed to provide a rebate in case of early repayment in Bay' Bithaman Ajil (BBA) contract.

answer

True. In a BBA floating rate financing banks are granted to give rebates for early settlement or redemption.

question

In Al-Rahnu, the Murtahin is allowed to use the pledged asset in the event that the pledger does not re-pay the Qardhul Hassan loan within the agreed time period.

answer

False. Can auction assets

question

Juristic differences on Bay-Al 'Inah issue on credit cards centers on the issue of early settlement.

answer

False. Acceptability as sale

question

The usage of Islamic credit card should be encouraged, since it fulfills all the Shariah requirements and it facilities the payment of goods and services.

answer

False. Unresolved fiqh issues. Islamic perspective on debts.

question

One of the key features under the Mudarabah contract is that in the event of loss, both the Rabbal-mal and the Mudarib must bear the capital loss.

answer

False. Only Rabbal-mal bears the loss

question

In a pure Wakalah model of Takaful some part of the underwriting surplus is given to the operator. However, the underwriting loss if any has to be borne by the participants only.

answer

False. It is given to the operator depending on performance.

question

In a Salam contract both the price and delivery of goods are postponed to a future date.

answer

False. In a Salam contract the price is paid in advance and delivery of goods is at a future date.

question

In Murabahah contract, the cost and mark-up prices need not necessarily be disclosed

answer

False. In Murabahah contract is a contract of sale where the seller discloses to buyer actual cost of the commodity and the profit margin added.

question

Under Musharakah/Mutanaqisah arrangement financier and customer participate in joint ownership of property or commercial enterprise with the objective of permanently owning and managing the enterprise together.

answer

False. Diminishing partnership.

question

In Al Rahnu the source of profit for the Murtahin is the service or administrative fees for the Qardhul Hassan (benevolent loan).

answer

False. The source of profit for the Murtahin is the storage costs.

question

The use of conventional interest rates as the benchmark to determine the profit rate in a Murabahah financing arrangement does not make that Murabahah contract invalid.

answer

True. As long as the Murabahah contract is Shariah compliant and agreed by both parties it remains valid.

question

In Itisna' contract the required materials can be purchased by either the manufacturer or the purchaser.

answer

False. Materials are only to be bought by the manufacturer, not the purchaser.

question

In Wakalah model of Islamic credit card, bank earns profit from mark up on deferred sale

answer

True.

question

In Al-Rahnu the Murtahin is allowed to use pledged asset in event that pledger doesn't pay the benevolent loan within agreed time.

answer

False? Can auction asset.

question

Juristic differences on Bay al-'inah issue on credit cards centers on issue of early settlement.

answer

False. Acceptability as sale, etc.

question

Usage of Islam credit card should be encouraged; since it fulfills all Shariah requirements and facilitates payment of goods and services.

answer

False. Unresolved Fiqh issues, Islam perspective on debt.

question

One of the key features of Mudarabah contract is that in the event of loss both the rabbal-mal and mudarib bear capital loss.

answer

False. Only Rabbal-mal.

STUDY

Credit Card Bill Credit Card Debt Economics Finance Personal Finance

Which of the following statements comparing debit cards to credit cards is true? 10 terms

Dennis Jennings

10 terms

Preview

Which of the following statements comparing debit cards to credit cards is true?

question

Which of the following statements comparing debit cards to credit cards is TRUE? • Debit cards allow you to draw funds directly from your checking account. • Debit cards typically offer greater fraud protection than credit cards. • Debit cards never require a signature to finalize a purchase like credit cards. • Debit cards charge higher interest rates on purchases than credit cards.

answer

Debit cards allow you to draw funds directly from your checking account. (correct answer)

question

Do news entities provide only the facts? Why or why not?

answer

question

What is the formula of a compound that contains Na+ and PO43- ions?

answer

Na3PO4

question

Why were ancient peoples unable to detect stellar parallax?

answer

They did not have the ability to measure very small angles.

question

The economic perspective entails

answer

a comparison of marginal benefits and marginal costs in decision making

question

Which of the following is not a major pattern of motion in the solar system?

answer

nearly all comets orbit the Sun in the same direction and roughly the same plane

question

The viral infection Hepatitis A can be most effectively controlled if

answer

All food personnel practice personal hygiene, such as thorough hand washing.

question

Which of the following would NOT be a benefit of networking computers?

answer

sharing software licenses

question

Homeo/path/ic literally means

answer

like or same/as disease/ refers

question

Milton Friedman argued that consumers are more likely to alter their behavior based on

answer

long-term changes in the economy.

STUDY

Architecture Cosmetology-Licensing Course(s) In English Credit Card Debt Products For Sale

Ch. 10 Technical Drawing 63 terms

Daniel Hardy

63 terms

Preview

Ch. 10 Technical Drawing

question

A(n) __ refers to the way in which something is usually done.

answer

convection

question

The general term used to describe the different projected views is known as __ projection.

answer

axonometric

question

Multi-view drawings are often called __ view drawings.

answer

three

question

A __ is often used on outside intersecting planes by removing material at an angle to one of the planes.

answer

chamfer

question

Oblique pictorials that are drawn at a __ degree angle may be sketched using isometric grid paper.

answer

question

Team members can indicate changes by including a dated revision note on the drawing and by issuing an __ notice (ECN).

answer

engineering change

question

__ lines are used to indicate an object's sizes, as well as the sizes and the locations of its features.

answer

Dimension

question

Prior to the development of the computer, drawings were made on vellum using pencil and ink in a process known as __.

answer

drafting

question

Sketches are turned into 3D models by __, a term often used to describe a number of functions, such as extrusion, lofting, revolving, sweeping, and shelling.

answer

features

question

In architecture building design, most units are in __, so a scale of that unit is required to represent the building on paper.

answer

feet

question

___ are explanatory notes on drawings that provide important information to the person reading the drawing.

answer

annotations

question

A(n) ___ projection drawing has one face parallel to the viewing planes.

answer

oblique

question

ISO standards are based on the __ systems.

answer

metric

question

A(n) __ view provides a view of an object as though it were by a saw.

answer

sectional

question

__ surface modeling is a technique that allows the designer to create a "skin" over a component, creating curves in almost any shape desired.

answer

Freeform

question

Though CAD solid modeling programs automatically generate technical drawing views, accurately communicating dimensions and tolerances is still a manuel process conducted by a designer. T or F

answer

True

question

There is no difference between a drawing and a projection. T or F

answer

False

question

The use of programs like AutoCAD increased the amount of time needed for engineers and draftspersons to produce engineering drawings. T or F

answer

False

question

In mulit-view drawings, precisions is very important, so the picture must reflect true scale and proportion of the object drawn. T or F

answer

True

question

Solid modeling is a method that involves mathematically describing solely the interior of an object. T or F

answer

False

question

The arrows on a cutting plane line indicate what part of the object is to be retained. T or F

answer

False

question

the visible lines that outline and detail an object's shape are called object lines. T or F

answer

True

question

Today, many companies develop technical drawings automatically from 3D CAD models. T or F

answer

True

question

Geometry concepts are rare in technical drawings. T or F

answer

False

question

ANSI has established standards for technical drawings. Engineers in the United States,Canada, and several other countries follow these standards. T or F

answer

True

question

What does design work require?

answer

It requires creativity, research, trial, and error and collaboration.

question

What are technical drawings referred to?

answer

Orthographic Multi-view Drawings

question

Orthographic Drawing

answer

is a view looking straight down on an object

question

Multi-view Drawings

answer

are three view drawings (the front, the top, and one side)

question

Isometric Drawing

answer

a three dimensional view

question

Angles

answer

the amount of rotation needed to bring one line of plane into coincidence with another, generally measured in radians or degrees

question

American Design Drafting Association

answer

was created in 1948

question

Convection

answer

the wat in which something is usually done, either by traditions or by established standards

question

ISO

answer

is like the ANSI but standards are formatted in the metric system

question

ANSI

answer

standardizes technical drawings

question

ECN

answer

a document that accompanies a drawing or set of drawing to record or authorize changes to a design

question

Axonometric Projection

answer

Originates from orthographic projection. The three types of projections are isometric, dimetric, and trimetric projection.

question

Isometric

answer

is created when a figure is rotated 45 degrees

question

Oblique Projection Drawing

answer

is a type of drawing involving a combination of a flat, or orthographic front lines receding lines are drawn at half scale, and usually at a 45 degrees

question

Cavalier Projection

answer

uses width, height, and depth measurements

question

Cabinet Projection

answer

scales the depth to one-half of the true distance

question

Third Angle Projection

answer

The orthographic projection arrangement of views. Used in the United States and Canada.

question

Spatial Ability/Spatial Relations

answer

being able to view from a different angle

question

Line Conventions

answer

line rules

question

Object Lines

answer

visible outlining lines

question

Construction Lines

answer

are light weight

question

Hidden Lines

answer

are dashed lines

question

Center Lines

answer

clarifies the center

question

Extension Lines

answer

serves for diameters

question

Pane Line

answer

is located in top view

question

Auxiliary View

answer

is an orthographic view that is used to show the surface

question

Foreshortened

answer

when lines are shortened to give the illusion of extending or projecting into space

question

Projection Lines

answer

extend out from the object ti a two dimensional viewing plane that is parallel to the respective surface

question

Chain Dimensioning

answer

also known as point to point dimensioning where dimensions are established from one point to eh next

question

Datum Dimensioning

answer

is a dimensioning system where each dimension originates from a common surface, plane, or axis. Also known as baseline dimensioning

question

Baseline Dimensioning

answer

a system of in which all dimensions are places from a datum and not from feature to feature

question

Bilateral Tolerance

answer

a tolerance in which variation is permitted in both directions from the specified dimension

question

Unilateral Tolerance

answer

a tolerance in which variation is permitted in only one direction from the specified dimension

question

Limit Dimension

answer

a dimension showing two dimensions stacked on top of each other. The value represents the upper dimensional limit, and the value the bottom represents the lower dimensional limit

question

Parametric Modelings

answer

a CAD modeling method where each feature, such as a length of a side or radius of a filet, sues a parameter to define the size and geometry of that feature and to create relationships between features

question

Parameters

answer

a quantity that is fixed for the case in question but may vary in other cases

question

Feature-Based Modelings

answer

a characteristic of a CAD program where solid models are constructed from geometric feature, such as holes filets, shells, and lofts instead of unions mathematical geometric entities such as spheres, cylinders, and cubes

question

Freeform Surface Modeling

answer

a technique that allows the designer to create a "skin" over a component, creating curves in almost and shape desired

STUDY

Credit Card Debt International Trade

Assignment: Video Quiz: College Tuition in Texas 5 terms

Robert Carter

5 terms

Preview

Assignment: Video Quiz: College Tuition in Texas

question

What does Governor Perry indicate is an added advantage for both students and universities in freezing tuition rates for four-year periods? a. boosts youth employment rates post-graduation b. eliminates need for student loan programs c. allows university to admit more students d. provides incentive to graduate on time e. better uses technology and resources

answer

Assignment: Video Quiz: College Tuition in Texas

question

Why are college tuition rates a public issue in the state of Texas? a. Tuition rates have risen about 55% in the last decade. b. More students are interested in attending college in the state of Texas. c. Higher education is fully funded by the state of Texas for its residents. d. Texas does not currently provide any funding to public universities. e. Universities are closing their doors because student applications are down.

answer

a. Tuition rates have risen about 55% in the last decade

question

How does the governor plan to entice universities to participate in his tuition-freezing plan? a. eliminate state funding for noncompliance b. provide budget incentives tied to graduation rates c. obtain corporate sponsorship to fund infrastructure needs d. provide land grants for university expansions e. establish bonus programs for university faculty

answer

b. provide budget incentives tied to graduation rates

question

The issue of whether race should be considered a factor in public university admissions is ultimately a matter to be decided by a. state legislatures. b. university presidents. c. the U.S. Supreme Court. d. the governor. e. local courts.

answer

c. the U.S. Supreme Court.

question

According to the interviewer, college debt is now, on average, outpacing a. state tax debt. b. mortgage debt. c. federal income tax debt. d. credit card debt. e. car loan debt

answer

d. credit card debt

STUDY

Behavior Beliefs Change Your Mind Credit Card Debt Emotions Personality

Personal Growth 120: Chapter 6 – Gaining Self-Awareness Practice Quiz 30 terms

Suzette Hendon

30 terms

Preview

Personal Growth 120: Chapter 6 – Gaining Self-Awareness Practice Quiz

question

Leverrier predicted that an invisible planet was pulling the planet Uranus off its predicted course around the sun. Likewise, human beings are pulled off course by the invisible forces of their _____.

answer

Unconscious minds

question

Many people sabotage their goals and dreams by unconsciously choosing actions, thoughts, and/or emotions that get them off course from their goals and dreams. (T/F)

answer

True

question

When Creators are off course, they tend to deny it, make excuses, blame others, or give up. (T/F)

answer

False

question

One characteristic of Creators is they are able to recognize and acknowledge when they are off course. (T/F)

answer

True

question

The story of Jerome, the accounting student, illustrates that once a person has a clear goal he will not get off course. (T/F)

answer

False

question

Eric Berne, the creator of a mode of counseling called Transactional Analysis, referred to our invisible inner forces as . . .

answer

Scripts

question

As part of our script, each of us has developed three kinds of habit patterns: behaviors, thoughts, and emotions. (T/F)

answer

True

question

Our habit patterns are motivated by our unconscious core _____.

answer

Beliefs

question

We seem to create our scripts as a result of . . .

answer

a. How others responded to us b. What significant adults said to us c. Observing the behavior of significant adults in our lives

question

The purpose of our scripts is to maximize our pain and minimize our pleasure. (T/F)

answer

False (The opposite is true)

question

Diana, the student in the author's writing course, had a script from her childhood that said her brain didn't work well. (T/F)

answer

True

question

When our core beliefs about ourselves, about other people, or about the world are inaccurate, they can sabotage our success. (T/F)

answer

True

question

Diana's core beliefs about her inability to think caused her to hear what she expected to hear rather than what her teacher actually said. (T/F)

answer

True

question

Although it is not easy, human beings can revise their limiting beliefs and change their self-defeating habit patterns. (T/F)

answer

True

question

The parts of our scripts that are available to our conscious minds are our patterns of self-defeating actions, thoughts, and emotions. By revising these three patterns we can help revise our limiting core _____.

answer

Beliefs

question

Hard skills are the special-knowledge skills that you've learned to do throughout your life: for example, swimming, writing, solving math problems, building a house, creating a budget, backpacking, playing chess, and reading. (T/F)

answer

True

question

Soft skills are the ones you have developed to cope with life: for example, making choices as a Creator, motivating yourself, being industrious, developing relationships, and believing in yourself. (T/F)

answer

True

question

The Holland Code is an inventory of personal preferences that can assist you in understanding your outdated scripts. (T/F)

answer

False

question

If you have not yet declared a major, where can you go on campus to take one of the inventories recommended in On Course?

answer

The Career Center

question

Becoming aware of the match between _____ improves your chances of finding a satisfying career match.

answer

Your interests and your personality

question

According to psychologist Virginia Satir, we are all living by rules, though we may not be aware of them. (T/F)

answer

True

question

All of the unconscious rules that we live by need to be revised. (T/F)

answer

False (some of our unconscious rules are helpful)

question

The author of On Course has polled thousands of college instructors who identify three behaviors that their most successful students do consistently. Which of the following is NOT one of these top three behaviors of successful students (though it may be a good rule nonetheless)?

answer

Seek help from tutors However, three success rules you should observe: Rule 1: I show up Rule 2: I do my best work Rule 3: I participate actively

question

At Baltimore City Community College, a study found that, on average, the more classes that students missed, the higher their grades were, especially in introductory courses. (T/F)

answer

False

question

A personal rule is your conscious intention. You may need to break one of your rules if something of a higher _____ conflicts with it.

answer

Value

question

Three factors determine how well you score on tests: preparation, test-taking skills, and prior feedback. (T/F)

answer

True

question

Test scores are not a good way of determining if you are off course. (T/F)

answer

False

question

Visualizing yourself successfully taking a test prepares you to think, feel, and act positively during that test. (T/F)

answer

True

question

It's a good idea to forgo a full night's sleep before a test and use every available minute for preparation. (T/F)

answer

False

question

Before you begin answering questions on a test, take a few minutes to preview it. (T/F)

answer

True

STUDY

Credit Card Debt Money Market Deposit Account Money Market Mutual Fund Mutual Savings Banks Personal Finance

Personal Finance–Ch. 5 – Flashcards 74 terms

Blake Terry

74 terms

Preview

Personal Finance–Ch. 5 – Flashcards

question

Monetary Asset (cash) Management

answer

Encompasses how you handle all of your monetary assets, including cash on hand, checking accounts, savings accounts, money market accounts, and other short-term investment vehicles, and longer-term savings instruments.

question

Liquidity

answer

Refers to the speed and ease with which as asset can be converted to cash.

question

Safety

answer

Freedom from financial risk

question

Cash Equivalents

answer

Funds are called this because they retain a constant or nearly constant value and because they have regular liquidity.

question

Financial Services Industry

answer

Providers of monetary asset management services are collectively referred to as this.

question

Depository Institutions

answer

Are organizations licensed to take deposits from and make loans to consumers, firms, or governments. They all can offer some form of government account insurance on their customer's deposits and are government regulated. They offer a wide range of financial services.

question

Commercial Banks

answer

Are corporations chartered under federal and state regulations. They offer numerous consumer services, such as checking, savings, loans, safe-deposit boxes, investment services, financial counseling, and automatic payment of bills.

question

Bank Insurance Fund (BIF) of the Federal Deposit Insurance Corporation (FDIC)

answer

An agency of the federal government which insures state-chartered bank's customers' accounts.

question

Savings and Loan Association (S)

answer

Focus primarily on accepting savings and providing mortgage and consumer loans. They offer checking services through interest earning NOW accounts.

question

Mutual Savings Bank (MSB)

answer

Is similar to an S in that it also accepts deposits and makes housing and consumer loans. These banks are legally permitted in only 17 states, primarily those in the eastern U.S. The depositors own the institution and share in the earnings.

question

Credit Union (CU)

answer

A not-for-profit cooperative venture that pools the deposits of its member owners, which are then invested or lent to those member owners. The members of these all share some common bond, such as the same employer, church, union, or federal association.

question

National Credit Union Share Insurance Fund (NCUSIF)

answer

Provides the same safety as deposits insured by the FDIC, except for credit unions.

question

National Credit Union Administration (NCUA)

answer

Administers the National Credit Union Share Insurance Fund (NCUSIF).

question

Deposit Insurance

answer

Deposits in depository institutions are insured against loss of both the amount of deposit and the accrued interest by various insurance funds.

question

Mutual Fund

answer

An investment company that raises money by selling shares to the public and then invests that money in a diversified portfolio of investments.

question

Stock Brokerage Firm

answer

A licensed financial institution that specializes in selling and buying stocks, bonds, and other investment alternatives. Such firms provide advice and assistance to investors and earn commissions based on the buy and sell orders that they process for their clients.

question

Electronic Banking

answer

Occurs whenever banking transactions are conducted via computers without the customer using paper documents or having face-to-face contact with financial services personnel.

question

Electronic Funds Transfers (ETFs)

answer

Funds are shifted electronically (rather than by check or cash) among various bank accounts.

question

Automated Teller Machine (ATM)

answer

Sometimes called a cash machine.

question

Automated Teller Machine (ATM)

answer

A computer terminal located on the premises of a financial institution or elsewhere through which customers may make deposits (usually restricted to your own bank's ATMs), make withdrawals, and complete other financial transactions just as they would through a human bank teller.

question

Point-of-Sale (POS) Terminal

answer

Computer terminal located at a store or other merchant location that allows the customer to make purchases electronically via a debit card or credit card.

question

Debit (or Check) Card

answer

A plastic card that provides instant access to your checking account; it is issued by the financial institution where the user maintains his or her checking account.

question

Smart Cards and Stored-Value Cards

answer

Plastic payment devices that use built-in computer chips or magnetic strips to store data and handle payment functions.

question

Electronic Benefits Transfer (EBT)

answer

Directs cash benefits to recipients using smart cards as the delivery mode. Recipients may include individuals who do not have bank accounts and those who do not receive their benefits by direct deposit. An organization "puts" a certain amount of money or credit on the plastic card, which is then used by the recipient to make purchases at POS terminals or to obtain cash from ATMs.

question

Disclosure Statement

answer

When you sign up for electronic banking services, the depository institution must inform you of your rights and responsibilities in one of these in written form.

question

Periodic Statement

answer

General protection of a customer's account takes the form of this sent by the financial institution that shows all electronic transfers to and from the account, fees charged, and opening and closing balances.

question

Card Registration Service

answer

Some firms sell this that will notify all companies where you have debit and credit cards in the event of loss. For $15 to $50 per year, you need to make only one telephone call to report all call losses.

question

Checking Account

answer

At a depository institutions allows you to write checks against amounts you have on deposit, thereby transferring your deposited funds to other people and organizations.

question

Check Register

answer

Where a written record of each check may be recorded.

question

Negotiable Instrument

answer

An unconditional written promise to pay a specified sum of money as of a specific date to a specified payee or bearer.

question

Demand Deposits

answer

Traditional checking accounts at commercial banks are technically known as this.

question

Lifeline Banking Account

answer

Offers access to certain minimal financial services that every consumer needs--regardless of income--to function in our society. An application's income and net worth determine acceptance.

question

Interest Earning Checking Account

answer

Simply a checking account that pays interest to the depositor.

question

Negotiable Order of Withdrawal (NOW) Account

answer

This checking account earns interest or dividends as long as minimum balance requirements are satisfied. This can be described as an interest earning checking account.

question

Share Draft Account

answer

The credit union version of a NOW account. Its name arises because members of the credit union actually own the organization and their deposits are called shares.

question

Tiered Interest Rate

answer

The combination of a base rate and a higher rate.

question

Minimum-Balance Account

answer

The customer must keep a certain amount in the account throughout a specified time period (usually a month or a quarter) to avoid a flat service charge (usually $5 to $15).

question

Average-Balance Account

answer

A service fee is assessed only if the average daily balance of funds in the account drops below a certain level during the specified time period.

question

Stop-payment Order

answer

Tells your bank not to honor a check when it's presented for payment.

question

Savings Account

answer

Simply consists of current income that is not spent on consumption. Provides you with readily accessible sources of emergency cash and a temporary holding place for funds in excess of those needed for daily living expenses.

question

Time Deposits

answer

Are savings expected to remain on deposit in a financial institution for an extended period.

question

Fixed-Time Deposits

answer

Specify a period that the savings must be left on deposit, such as six months or three years; certificates of deposit fit this description.

question

Statement Savings Account

answer

Using this account allows frequent deposits or withdrawals of funds. No fees are assessed as long as a low minimum balance is maintained. Holders of these are provided with printed receipts to document their account transactions, and transactions usually can be accessed via ATMs.

question

Endorsement

answer

The process of writing on the back of a check to legally transfer its ownership, usually in return for the cash amount indicated on the face of the check.

question

Blank Endorsement

answer

Contains only the payee's signature on the back. Such a check immediately becomes a bearer instrument. It is wise to never do this to a check.

question

Bearer Instrument

answer

Meaning that anyone who attempts to cash it very likely will be allowed to do so, even if the check has been lost or stolen.

question

Special Endorsement

answer

Can be used to limit who can cash a check; to make this kind of endorsement, you write the phrase "Pay to the Order of [name]" on the back along with your signature. Can be used to sign a check over to another person.

question

Restrictive Endorsement

answer

Uses the phrase "For Deposit Only," written on the back along with a signature. It authorizes the financial institution to accept the check only as a deposit to an account. No one else can cash such a check.

question

Automatic Funds Transfer Agreement

answer

The amount necessary to cover a bad check will be transmitted from your savings account to your checking account, as long as you keep sufficient funds in your account.

question

Automatic Overdraft Loan Agreement

answer

The needed funds will be automatically loaned to you by your bank or charged to your Visa or MasterCard account.

question

Bounce Protection Agreement

answer

The bank will honor checks written against insufficient funds up to a certain limit, such as $1,000. In return, the customer must pay a $20 to $30 fee for each overdraft check and has one week to repay the funds.

question

Account Reconciliation

answer

You compare your records with your banks records, checking the accuracy of both sets of records and identifying any errors. The best time to do so is when you receive your monthly account statement from your bank.

question

Traveler's Checks

answer

Are issued by large financial institutions and sold through various outlets. They are accepted almost everywhere.

question

Money Order

answer

A checking instrument bought for a particular amount. Usually written for relatively small amounts, and the fee charged is based on the amount of the order.

question

Annual Percentage Yield (APY)

answer

Is a percentage based on the total interest that would be received on a $100 deposit for a 365-day period given the institution's annual rate of simple interest and frequency of compounding.

question

Grace Period

answer

The period during which deposits or withdrawals can be made and still earn the same interest as other savings from a day of the given interest period.

question

Money Market Account

answer

Any of a variety of interest-earning accounts that pay relatively high interest rates (compared with regular savings accounts) and offer some limited check-writing privileges.

question

Super NOW Account

answer

Government-insured money market account offered through depository institutions; it takes the form of a high-interest NOW account with limited checking privileges. The initial minimum deposit typically ranges from $1,000 to $2,500. If the average balance falls below a specified amount (such as $1,000), the account reverts to earning interest at the lower rate offered on a regular NOW checking account.

question

Money Market Deposit Account (MMDA)

answer

Also a government-insured money market account offered through a depository institution. It has minimum balance requirements and tiered interest rates that vary with the size of the account balance. Institutions are allowed to establish fees for transactions and account maintenance, and account holders typically are limited to 3 to 6 transactions each month. Generally pay higher interest rates than super NOW accounts.

question

Money Market Mutual Fund (MMMF)

answer

A money market account in a mutual fund investment company (rather than a depository institution). It pools the cash of thousands of investors and earns a relatively safe and high return by buying debts with very short-term maturities (always less than one year). Interest is calculated daily, and an investor can withdrawal funds at any time. These typically pay the highest rate of return that can be earned on a daily basis by small investors.

question

Asset Management Account (AMA)

answer

Also known as an all-in-one account.

question

Asset Management Account (AMA)

answer

Is a multiple-purpose, coordinated package that gathers most of the customer's monetary asset management vehicles into a unified account and reports them on a single monthly statement.

question

Asset Management Account (AMA)

answer

Also known as central asset accounts.

question

Certificate of Deposit (CD)

answer

An interest-earning savings instrument purchased for a fixed period of time. The required deposit amounts range from $100 to $100,000, while the time periods range from seven days to eight years. The interest rate enforced when the CD is purchased typically remains fixed for the entire term of the deposit. Insured through the FDIC or NCUSIF (if thru CU).

question

Variable-rate Certificates of Deposit

answer

These instruments pay an interest rate that is adjusted (up or down) periodically. Typically, savers are allowed to "lock in," or fix, the rate at any point before their CDs mature. Of course, this variability detracts from the main virtue of the fixed-rate CD; predictability.

question

Bump-up CDs

answer

Allow savers to bump up the interest rate once to a higher market rate, if available, and to add up to 100% of the initial deposit whenever desired.

question

Brokered Certificates of Deposit

answer

Stock brokerage firms often buy CDs in volume to resell to individuals.

question

Series EE Savings Bonds

answer

U.S. government savings instruments, available in denominations ranging from $25 to $10,000, that are purchased for 50% of their face value. Thus, one of these would be purchased for $50 and redeemed at maturity for $100. an example of a discount bond.

question

Discount Bond

answer

A bond sold at less than its face value.

question

Series I Savings Bond

answer

A variation of the Series EE bond; are not discount bonds, but instead are bought at face value. A fixed interest rate is set when the bond is purchased. An inflation rate is then added that is tied to the changes in the Consumer Price Index (CPI) rather than to the average rate for Treasury security issues.

question

Treasury Inflation-Protected Securities (TIPS)

answer

Are similar to savings bonds. They are the only treasury security whose value increases as inflation occurs, so they guarantee that the investor's return will outpace inflation. The principle is adjusted every six months according to the rise and fall of the Consumer Price Index (CPI).

question

Truth in Savings Act of 1991

answer

States that the annual percentage yield will be based on a 365 day year basis and that the frequency of compounding will be expressed as a percentage.

question

Availability Float

answer

Results from an individual or firm not being granted immediate availability on all deposited items.

question

Average Daily Float

answer

average dollar amount of checks or drafts in the process of collection, and not credited to the account as collected funds or available funds.

STUDY

Credit Card Debt Economics Finance

WISE: Money Management – Flashcards 42 terms

Jazzlyn Howe

42 terms

Preview

WISE: Money Management – Flashcards

question

One of the benefits of holding an investment for over a year rather than selling it in less than a year is that the

answer

capital gains on the investment will be taxed at a lower rate

question

A man budgeted $200 a month for clothing. This month the man spent $150 on clothing therefore that budget item is considered to have

answer

a budget variance

question

A person's debt ratio shows the relationship between debt and net worth. The lower the ratio the

answer

better off financially the person is.

question

A person complains about how expensive it is to be a cigarette smoker. One of the reasons cigarettes are so expensive is that

answer

the government imposes an excise tax on them.

question

Spreading one's assets across several types of saving and investment products to manage risk is called:

answer

Diversification

question

Expenditures that remain constant from one time period to another are:

answer

Fixed expenses

question

Jane saw a breakfast cereal being advertised on TV and insisted that her mother purchase this cereal. This is an example of advertising's:

answer

power of persuasion in creating demand

question

In terms of retirement income, a person should realize that the amount of money the person will receive from the Social Security System?s benefits depends on the person?s

answer

earnings over a lifetime of work.

question

In addition to monthly mortgage payments, each year a homeowner can expect to pay

answer

property taxes

question

A good example of a well-stated financial goal is:

answer

Pay off $5,000 in credit card debt in two years

question

The term that best describes money left over after paying taxes, fixed and other essential living expenses, is:

answer

Disposable income

question

John's company will match his pre-tax contributions to the company's retirement plan, known as:

answer

A 401(k)

question

A stock broker or financial consultant:

answer

Gives financial advice to clients

question

What does a well designed, successful financial plan include?

answer

Retirement planning

question

I find myself using my credit card to cover the cost of food or rent because I'm regularly short on cash at the end of each month. The best thing to do is:

answer

Make a budget and consider ways to reduce expenses or increase income.

question

Another term for the dollar amount of your paycheck after taxes and other withholdings is:

answer

Net income

question

Financial plans need to:

answer

be changed during different stages in life

question

In terms of their finances, when a couple has a baby, they will

answer

receive an additional tax exemption because of the baby.

question

Financial planning is important because it helps you to:

answer

reach financial goals and protect your assets

question

An important consideration when saving money for emergencies is:

answer

high degree of safety and liquidity

question

Discretionary income is:

answer

The difference between your total income and your essential living expenses

question

Which of the following careers would be a possible choice for someone interested in money and finance?

answer

Banker

question

Financial planning helps individuals to:

answer

have strategies for saving and investing

question

Goals

answer

Need to be realistic, have a target date, and, if possible, an associated cost

question

Which of the following will help you the least in managing your money?

answer

get advice from your friends

question

Which of the following is necessary for successful budgeting?

answer

The ability to adjust spending to money available

question

In creating her budget, Ann realizes that her expenses exceed her income. Ann should immediately try to:

answer

reduce or eliminate some expenses

question

When deciding between two job offers with a similar salary offer, a person should first consider:

answer

Retirement and health plans

question

You want to gain control over your income and spending so that you will be able to save money. Which step will help you the most?

answer

developing a budget

question

Our values are:

answer

the basic principles that guide our actions and beliefs

question

A well stated financial goal is:

answer

Realistic with a target date

question

Rossi has a part time job delivering pizzas to raise money for college in two years. Going to college is one of Rossi's:

answer

Goals

question

You can set up an Individual Retirement Account at:

answer

A bank

question

Electricity and food expenditures are:

answer

variable expenses that change from one period to another

question

An example of a fixed expense is:

answer

Apartment rent

question

Can Cathy withdraw money from her IRA savings account?

answer

There is a 10% penalty on any money she takes out before age 59

question

A clear understanding of our personal values will:

answer

enable us to make choices that reflect what is important to us

question

The following is usually considered a variable expense:

answer

electric bill payment

question

Something you are working to achieve within a defined period of time is a(an):

answer

Goal

question

Money set aside to grow is typically called:

answer

savings or investments

question

A term that best describes your gross pay after taxes are deducted is:

answer

take-home pay

question

Julian is a single and recent college graduate who just got his first full-time job. Which of the following should be his first financial goal?

answer

establishing a fund for emergencies

STUDY

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