ADULT ROLES - 1ST SEMESTER FINAL
DO NOT WRITE ON THIS TEST. Fill in answers on the scantron sheet. Questions are
multiple choice. Be sure to mark answers in pencil and if you need to erase be sure to
do so thoroughly
SELF MANAGEMENT:
1.
2.
3.
Which of the following statements regarding the self-concept circle is true?
A.
As others see me directly affects how I see myself.
B.
My actions directly affect how I see myself.
C.
Others’ reactions directly affect how I see myself.
Which of the following will lower self-concept?
A.
Visualizing your talents and abilities.
B.
Finding satisfaction with yourself only when you are the best.
C.
Setting and accomplishing goals.
D.
Recognizing personal worth.
When behaviors are in opposition with values:
A.
People are comfortable.
B.
Behavior is consistent.
C.
Self-esteem is raised.
D.
Internal conflicts arise.
4.
Long-term goals are:
A.
Seldom accomplished.
B.
Easier to achieve if you have set short-term goals.
C.
Extremely difficult to achieve.
D.
5.
6.
Usually accomplished by older people.
Our goals and our daily behavior should be based upon:
A.
Our values.
B.
Society's view son current issues.
C.
Our parents’ values and ideas.
D.
What we feel is important at the time.
Which of the following are appropriate descriptions of reachable goals?
A.
They are realistic, they are not measurable, and they are specific.
B.
They are idealistic, they are measurable, and they are specific.
C.
They are realistic, they are in general terms, and they are measurable.
D.
They are specific, they are measurable, and they are realistic.
7.
Decisions should be based upon:
A.
Following your heart.
B.
Thinking through the consequences.
C.
Doing what the majority of your friends do.
D.
Your parents’ ideas.
INCOME
8. Which of the following describe take home pay?
A.
Gross pay
B.
Standard deduction
C.
Net pay
D.
Pay before deductions have been taken out
9. What is the most secure method for an employer to pay his/her employees?
A.
Receiving in-store credit.
B.
Physically providing the paycheck with payroll stub to the employee.
C.
Having the paycheck directly deposited into an account.
D.
Having the paycheck deposited onto a payroll card.
10. What is a pay period?
A.
When an employee works for an employer and receives pay.
B.
A monthly schedule of work responsibilities.
C.
A schedule by which employers pay their employees.
D.
All of the above
11. What are the two types of taxes?
A.
Internal Revenue Service and W-4
B.
Allowance and deduction
C.
Dependent and exemption
D.
Progressive and regressive
12. The government uses money earned from taxes to:
A.
Establish food chains.
B.
Provide public goods and services.
C.
Construct buildings for large private corporations.
D.
All of the above
13. What is an employee required to complete when they begin a new job?
A.
Form W-2
B.
Social Security form
C.
Form W-4
D.
All of the above
14. What form should a person receive from an employer by January 31 to complete
his/her
annual tax paperwork?
A.
Form W-2 for the previous year
B.
Form W-4 for the current year
C.
Form I-9 for the previous year
D.
Medicare form for the current year
15. What is gross pay?
A.
The amount of money left after all deductions have been taken.
B.
The length of time an employee’s wages are calculated.
C.
The amount of pay earned from doing additional work for a company.
D.
The total amount of money earned before pay deductions.
16. What does Medicare fund?
A.
The medical plan an employee receives from his/her employer.
B.
The nation’s retirement program for the elderly.
C.
The nation’s health care program for the elderly and disabled.
D.
Government agencies in each state which provide public assistance.
Use the following scenario for questions 18 and 19.
Bob is working for a bank. He earns $8.00 an hour, works 40 hours a week, and gets
paid every
2 weeks. He pays $63.08 into federal withholdings, $33.21 into state withholdings, and
$42.05
into FICA.
17. What is Bob’s gross pay on his paycheck?
A.
$501.66
B.
$543.71
C.
$576.92
D.
$640.00
18. What is Bob’s net pay on his paycheck?
A.
$501.66
B.
$543.71
C.
$576.92
D.
$640.00
19. What two forms of taxes are represented under the Federal Insurance Contributions
Act (FICA)?
A.
Social Security and retirement
B.
401 K and Medicare
C.
Social Security and Medicare
D.
Social Security and State Taxes
20. What percentage of gross income is deducted for Medicare
A.
1.45 %
B.
4.7 %
C.
6.2 %
D.
7.8 %
21. What percentage of gross income is deducted for Social Security
A.
1.45 %
B.
4.7 %
C.
6.2 %
D.
7.8 %
COMMUNICATION SKILLS
22.
23.
24.
Relationships become stronger when communicating on a:
A.
Superficial and honest level.
B.
Personal and validating level.
C.
Validating and honest level.
D.
Personal and honest level.
Methods of constructive communication include all of the following EXCEPT:
A.
I-messages and clarity or clarifying.
B.
Timing, asking questions, and reflective listening.
C.
The need to be right.
D.
Respect, consideration and avoiding intense anger.
Which one of the following BEST describes the following statement?
“ When the dishes aren’t done I am very frustrated because it creates more
work for me
to do”.
25.
26.
A.
Questioning.
B.
Active listening.
C.
I-messages.
D.
Blaming.
I-messages should be used to:
A.
Change behavior of the other person.
B.
Create solutions.
C.
Cause the other person to change.
D.
Express feelings without making people defensive.
Which one of the following BEST defines a personal zone in terms of
communication.
27.
A.
How close we allow people to stand next to us when we are communicating.
B.
The distance from which we normally hear a conversation
C.
It is what we say and the distance we say it from.
D.
The area where effective communication takes place.
If a person's verbal message conflicts with his/her non-verbal message, people
tend to believe the:
28.
A.
Verbal message.
B.
Non-verbal message.
C.
Combination of the two messages.
All of the following communication zones are correct EXCEPT:
A.
When strangers are less that 18 inches from us we usually feel tense and
want to draw away.
B.
People will often use an object to insure a comfortable distance between
themselves and others.
C.
A two-way conversation in the public zone of conversation is usually
effective.
D.
Cultures will vary as to how close people can be to each other in casual
conversations.
FAMILIES
29.
What does the word sibling mean?
A.
A family disagreement.
B.
Another word for similar.
C.
Brothers and sisters .
D.
Step families.
30.
31.
Sibling rivalry means:
A.
Fighting among step families.
B.
Contests held at family reunions.
C.
A family disagreement.
D.
Competition among children.
Which of the following statements is true?
A.
Birth order refers to the order of birth dates in a family, running January
through December.
B.
Birth order plays no role in the development of a child's personality.
C.
The order in which a child is born into a family has an influence on the
development of the child.
D.
32.
33.
All of the above.
All of the following are qualities of a strong family EXCEPT:
A.
Commitment.
B.
Having a lot of money.
C.
Spending time together.
D.
Sharing values and a moral base.
What stage in the “Family Life Cycle” is characterized by the oldest child leaving
home?
34.
A.
Family with Teenagers
B.
Launching Center
C.
D.
Empty Nest
Aging Family
In the “Family Life Cycle” most often the stages are determined by:
A.
The father
B.
The mother
C.
The oldest child
D.
35.
The youngest child
A family with a father, mother with no former spouses and biological or adopted children
would be called:
A.
A blended family
B.
POSSLQ’s
C.
Traditional or nuclear family
D.
Extended family
CONSUMERISM
36.
37.
38.
39.
Which of the following is an example of a wise consumer practice?
A.
Using price as an indicator of quality.
B.
Shopping at the store closest to you.
C.
Buying the extra features on a product.
D.
Considering the features you need in a product.
What does the term comparison shopping mean?
A.
Deciding which store you like the best.
B.
Finding the least expensive product.
C.
Comparing prices and quality, then deciding on the best buy.
D.
Comparing the products you buy to those your neighbor buys.
Select the correct statement about the relationship of quality and price.
A.
Buy the best quality whether or not you can afford it.
B.
Price is an indication of quality.
C.
Higher priced items include a quality guarantee.
D.
Price is not necessarily an indication of quality.
Reading a consumer information magazine would be an example of which consumer
responsibility?
A.
Checking out advertising for accuracy.
B.
Using products safely.
40.
C.
Choosing goods and services carefully.
D.
Speaking up if you are dissatisfied with a product.
John wants to purchase a new vehicle. Where is the best place to obtain
information for making comparisons?
41.
A.
An auto dealership.
B.
Consumer reports.
C.
The F.D.A.
D.
Advertising.
Georgia is shopping for tomato sauce. Brand A contains 8 oz. and costs 24 cents.
Brand B contains 8 oz. and costs 20 cents. Brand C contains 10 oz. and costs
30 cents. Brand D contains 9 oz. and costs 18 cents. Which brand is the least
expensive per ounce?
A.
Brand A
B.
Brand B
C.
Brand C
D.
Brand D
BUDGETING
42.
43.
An example of a fixed expense is:
A.
Gas for a car.
B.
Entertainment.
C.
A house payment.
D.
Magazines.
An example of a flexible expense is:
A.
A loan payment.
B.
A car payment.
C.
Rent.
D.
44.
Food.
What percent of your monthly income is the recommended amount to be set aside
for savings?
45.
A.
5 - 10 %.
B.
15 - 20%.
C.
20 - 25 %.
D.
25 - 35%.
What percent of your monthly income is the recommended amount to be set aside
for housing?
A.
5 - 10 %.
B.
15 - 20%.
C.
20 - 25 %.
D.
25 - 35%.
BANKING AND CREDIT
46.
Joan has $400 in her checking account. She has written checks for the following
amounts: $20, $35, $10.50, $75, $32, and $20. She also
deposited $100 in her account. What is her current balance?
47.
A.
$307.50.
B.
$297.50.
C.
$306.50.
D.
$298.50.
Which is the most important factor in maintaining a good credit rating?
A.
Doing most financial dealings with one company.
48.
B.
Maintaining a large savings account.
C.
Paying bills on time.
D.
Having a good paying job.
Which of the following are true of bankruptcy?
A.
It destroys a credit rating for seven years and makes future credit easily
available.
B.
It doesn't affect your credit rating. It is admitting and accepting financial
responsibility.
C.
It legally gets you out of having to repay your debts and makes future credit
easy to obtain.
D.
It destroys a credit rating for seven years and is admitting and accepting
financial failure.
49.
Reconciling a bank statement means:
A.
Balancing the register with the bank statement.
B.
Taking the balance on the statement and inserting it in the check register.
C.
Calling the bank with the balance in the check register so the bank can
update its records.
D.
50.
Calling the bank to ask how much money is in the account.
Kevin is using consumer credit to buy a new CD system for his car. The total cost
of the CD system is $900. Kevin paid $50 down and will pay $50 each month for
two years to pay off his loan. How much interest will Kevin pay over the two-year
period?
A.
$400
B.
$350
C.
$300
D.
$450
51.
52.
53.
What does APR stand for?
A.
All Payments Required
B.
Annual Percentage Rate
C.
April - when taxes are due
D.
Alternate Personal Retirement
Which of the following would NOT appear on your Bank Statement?
A.
ATM Withdrawals
B.
Amounts deposited
C.
Debit payments
D.
Outstanding checks
Interest is:
A.
Money set aside for future use.
B.
Money that the bank pays a depositor for the use of his/her money.
C.
D.
54.
Putting money into an account.
Withdrawal of money from an account.
Which one of the following matches the term default?
A.
The cost of a loan over a full year.
B.
Second signer who will pay for the loan if the first party defaults.
C.
Failure to repay the loan.
D.
Security on a loan.
E.
Cost of credit.
CAREERS
55. Which is a necessary step in making an informed career decision?
A.
Self-evaluation of aptitudes and interests
B.
Research of future career opportunities
C.
D.
Development of personal goals
All of the above
56. A career is defined as:
A.
An evaluation of one’s aptitudes and interest.
B.
A commitment to a profession which requires continued training.
C.
A degree obtained from an accredited institution.
D.
An employment position obtained to earn money.
57. A job is defined as
A.
An evaluation of one’s aptitudes and interest.
B.
A commitment to a profession which requires continued training.
C.
A degree obtained from an accredited institution.
D.
An employment position obtained to earn money.
58. What is a main factor influencing future job opportunities?
A.
Current annual income
B.
Expected family size
C.
Demand for goods and services
D.
All of the above
59. The process of career planning does NOT involve:
A.
Evaluating personal interests.
B.
Researching a particular career path.
C.
Evaluating career goals.
D.
Accepting an organization’s job offer.
60. Interest inventory quizzes identify:
A.
Possible career areas related to one’s interests.
B.
Positions available with individual firms.
C.
The number of questions answered incorrectly.
D.
The only job an individual can have if he/she wants true happiness.
61. Why must one identify personal values when career planning?
A.
Personal values help evaluate various job offers.
B.
Personal values are different for different people.
C.
Personal values guide personal interests.
D.
All of the above