Final Exam Flashcards
Superficial love tends to be equated to
a) sex
b) attraction
c) security
d) all of the above
D) All of the Above
Which component of Sternburg’s Love Triangle has to do with motivation?
a) commitment
b) intimacy
c) Passion
C) Passion
How do we keep a good relationship going?
a) compliment often
b) learn to control less
c) develop equality in the relationship
D) all of the above will help
D) all of the above will help
The tendency to marry someone of the same ethnic group, educational level, relational values, and status is known as
a) mating gradient
b) endogamy
c) exogamy
d) sex ratio
b) endogamy
The pace of dating for senior adults compared to their youthful counterparts tends to be
a) about the same
b) accelerated
c) a little slower
d) much slower
b) accelerated
Seen as a self-defeating emotion, jealousy typically tends to feelings of
a) envy
b) suspicion
c) possessiveness
d) all of these
D) all of these
In order to reduce negative interactions between couples,marital therapists often ask their clients to
a) double the number of compliments they give to their spouses each day for a week
b) spend some time apart from their partners
c) use loaded questions instead of directly asking for what they want so that their partners feel like they are making decisions
d)withdraw quietly and sullenly from an argument
a) double the number of compliments…
Which of the following statements about compatibility is correct?
a) opposites attract
b) the phrase love is blind endorses compatibility
c) the more similar the values of each individual the more likely the couple will be satisfied
d)relationships are supposed to be easy. Compatibility is obvious
C) the more similar the values of each individual the more likely the couple will be satisfied
Which of the following best describes the physical relationship in dating?
a) a relationship that becomes more physical helps the couple know if they are compatible
b) a relationship with definite boundaries about the physical aspect will encourage looking around
c)the more physical the relationship becomes the less apt a person is to view the dating partner realistically
d) it is better to avoid any physical contact with another person
c) the more physical the relationship becomes the less apt a person is to view the dating partner realistically
In the Love Triangle, is the cognative attachment to another person that develops over time
a) commitment
b) intimacy
c) passion
d)Love
Commitment
It appears the strongest love relationship have roots in
a) exogamy
b) courtship
c) friendship
d) heterogeneity
c) friendship
In many non-industralized countries, parent arranged marriages are
a) uncommon and ineffective
b) common and ineffective
c) uncommon but effective
d) common and effective
d) common and effective
Men and women are different. In regards to those differences we should:
a) try to change each other
b) celebrate the differences
c)criticize our partner until there is change
d) try to find a partner more alike than different
b) celebrate the differences
When wanting to date, you must first
a) look for someone who is available to date
b) look for someone who is appealing physically
c) look for someone that everyone agrees is good for you
d) look for someone that has dated about as much as you have
a) look for someone who is available to date
Which of the following is TRUE about dating?
a) dating leads to commitment but not necessarily to intimacy
b) dating is about finding someone with different interests since opposites attract
c) dating provides an effective environment for knowing another person’s character
d)dating often mistakes a physical relationship for love
d) dating often mistakes a physical relationship for love
The key to marriage is
a) trust
b) good sex
c) communication
d) forgiveness
d) forgiveness
According to Olson et al, _____ is the area that most strongly distinguishes happy couples from unhappy couples
a) communication
b) conflict resolution
c) couple flexibility
d)personality compatibility
a) communication
Which of the following statements about jealousy is FALSE?
a) jealousy can create a vicious cycle of greater and greater jealousy
b) jealousy is seen by therapists as a self-defeating emotion
c) jealousy is caused by the other person in the relationship
d) jealousy can be triggered by both internal and external causes
c) jealousy is caused by the other person in the relationship
Throughout history, most arrangments for marriage have been made by
a) a village shaman using astrological signs
b) contractual systems of indentured servants
c) individual choice
d) parents of the bride and groom
d) parents of the bride and groom
Marriage provides intimacy:
a) when the partners enter the marriage to escape loneliness
b) when the partners are creative in making it happen
c) when at least one person can share important emotions and beliefs with the other
d) when both partners avoid bringing up topics that are likely to cause conflict
b) when the partners are creative in making it happen
What component of Sternburg’s love triangle is characterized by a mature relationship in which most areas are open for discussion and sharing?
a) commitment
b) intimacy
c) passion
b) intimacy
Males feel greater ____ through doing things together
a) responsibility
b) intimacy
c) friendship
d) self-disclosure
b) intimacy
John Allan Lee’s research revealed six types of love. which types when combined produced the most marital satisfaction?
a eros/romantic and storge/companionate
b) eros/romantic and agape/compassionate
c) eros/ romantic and pragma
d) agape/ companionate and pragma
b) eros/romantic and agape/compassionate
Which of the following theories of mate selection assumes that the same kind of emotional bonds between parents and children are evident in adult intimate relationships?
a) attatchment theory
b) equity theory
c) exchange theory
d) feminist theory
a) attatchment theory
Which of the following is NOT a sign of a bad relationship?
a) lack of trust
b) refusal for change
c) my partner wants to know where I am all the time
d) my dating partner is a bad kisser
d) my dating partner is a bad kisser
Which of the following is a finding of the study conducted by Andersonet al (2020) on online dating?
a) most Americans say people who use online dating sites are desperate
b) online dating has jumped among adults under age 25, as well as those in their late 50s and early 60s
c) generally speaking, online dating is a negaticec experience for most people
d) the vast majority of realtionships today begin online
b) online dating has jumped among adults under age 25, as well as those in their late 50s and early 60s
Which of the following does not belong when thinking about traits that affect marriage?
a) personal happiness
b) parents’ marriage
c) parental approval
d) premarital pregnancy
e) these all belong
e) these all belong
Which of the following kinds of love lacks intimacy, according to Sternburg?
a) fatuous love
b) consummate love
c) companionate love
d) romantic love
a) fatuous love
One of the effects of industrialization on marriage is
a) individuals marry at younger ages
b) an increase in parent-arranged marriages
c) more freedom for women to make marriage decisions
d) none of these are correct
c) more freedom for women to make marriage decisions
According to 1 Thessalonians 4:3, God’s desire is that we be
A) satisfied
b) content
c) pleasured
d) holy
d) holy
Which of the following is true of current trends in searching for a partner?
a) people typically meet their partners in high school or through their family
b) the traditional ways of meeting partners-family connections, church or neighborhood- have all been increasing
c) meeting online has become the most popular way couples meet
d) meeting partners through friends has been increasing
c)meeting online has become the most popular way couples meet
Which of the following describes the process of relationship communication?
a) simple, if both partners learn to read each others nonverbal communication-cues
b)simple, if both partners aquire effective communication skills and consistently use these skills in the relationship
c) none of the choices are correct
d) complex, even if both partners aquire effective communication skills and use them in the relationship
d) complex, even if both partners aquire effective communication skills and use them in the relationship
Emir often doesn’t tell his girlfriend information because he doesn’t want to hurt her feelings. He is adopting what kind of communication style?
a) aggressive communication style
b) passive communication style
c) assertive communication style
d) compromising communication style
b) passive communication style
Which of the following statements is true about mixed messages?
a) they often stem from a willingness to be direct and honest in communication
b) they are messages in which there is a discrepancy between the verbal and the nonverbal components of the message
c) they help the sender minimize misunderstanding and confusion
d) the instructions on a cake mix box
b) they are messages in which there is a discrepancy between the verbal and the nonverbal components of the message
Concerning negative emotions such as anger, bitterness, and resentment, most couples
a) learn how to deal with them effectively
b) fear them and hope they will disappear
c) none of these are correct
d) do not suppress them
b) fear them and hope they will disappear
An unwillingness to say what you think, feel, or want characterizes what style?
a) compromising communication style
b) assertive communication style
c) aggressive communication style
d) passive communication style
passive communication style
Effective listening skills involve which of the following
a) formulating a reply while the other person is still talking
b)suspending judgment about what is being said
c) offering solutions as soon as they come to mind
d)speeding up communication by repeatedly restarting the speaker’s ideas
b) suspending judgment about what is being said
Which of the following is an example of the ability to manage stress from the family strengths model?
a) being task oriented
b) seeking help if they cannot solve the problem themselves
c) keeping problems to oneself
d) strong families do not experience stress and so do not need coping strategies
b) seeking help is they cannot solve the problem
Gottman labeled the traits that destroy a relationship as the:
a) the four horsemen of the apocalypse
b) the four processes of anger
c) the four horsemen of conflict
d) the bitter rage process
the four horsemen of the apocalypse
Carl Whitaker’s comment that “there are no individuals in the world-only fragments of families” suggests that:
a) the changes in fmaily structure in the United States
b) there are no more families
c) individuals think and act in ways that are best understood by understanding the influences of their family background
d)it is important to focus on family growth and development as well as individaul growth and development
c) individuals think and act in ways that are best understood by understanding the influences of their family background
Sarcasm is often used to
a) express love
b) point out incongruites about the relationship
c) put others at ease
d) mask anger
d) mask anger
Which statement is least likely to be true?
a) expressions of anger can delude us into thinking that we are doing something constructive about our problems
b) expressions of anger allow people to substitute feelings of superiority for feelings of hurt or rejection
c). expressions of anger can cause guilt feelings
d) expressions of anger make us feel more positive about ourselves
d) expressions of anger make us feel more positive about ourselves
Which of the following includes the ability to express feelings to a partner?
a) self-confidence
b) partner dominance
c) avoidance
d) assertiveness
d) assertiveness
Nonverbal communication includes all the following except
a) gestures
b) eye contact
c)nodding
d) written words
d) written words
Which of the following includes the tendency to minimize issues?
a) assertiveness
b) partner dominance
c) self-confidence
d) avoidance
d) avoidance
In terms of the most common conflict resolution problems for couples, the national survey of married couples conducted by Olson et al. 2008, revealed that most couples
a) only have disputes over important issues
b) felt that one person ends up feeling responsible for the problem rather than both
c) preferred to resolve rather than avoid conflict with their partners
d) agreed on the best way to solve disagreements
b) felt that one person ends up feeling responsible for the problem rather than both
A family’s flexibility relates to its ability to
a) switch roles
b) all of the choices are correct
c) share power
d) adjust rules
b) all the choices are correct
The most controversial finding of family strengths researchers is the importance of
a) the ability to cope with stress
b) religion or a sense of spiritual well-being
c) humor
d) economic security
b) religion or a sense of spiritual well-benog
An example of appreciation and affection is
a) disciplining children
b) sarcasm
c) expressing one’s ethical values
d) a pat on the back
d) a pat on the back
Constructive approaches to resolving conflict include
a) bringing up old issues
b) emphasizing differences
c) focusing on issues instead of people
d) expressing predominantly negative feelings
c) focusing on issues instead of people
The majority of our communication with other people is
a) nonverbal
b) we communicate the same amount verbally and nonverbally
c) verbal
a) nonverbal
A wife wants a drink on a driving trip with her husband. She asked him “Would you like a drink?” but was upset when he truthfully answered “no” and did not stop. Which of the following was occurring in the ancedote?
a) he was not listening
b) she was showing concern for her husbands wants, he was not showing concern for hers
c) he thought she was asking an information question, but she was trying to initiate a discussion about what both of them would like
d) she was playing “mind games” with him
c) he thought she was asking an information question….
People in conflict must consider
a) the merits of the argument
b) the level of investment each has in continuing the relationship
c) all of the choices are correct
d) the personalities of those involved
c) all of the choices are correct
Constructive arguments focus on
a) the past
b) the future and the past but not the present
c) the future
d) the present
d) the present
Which type of statement is most helpful in resolving conflict?
a) an I statement
b) a you statement
c( a they statement
d) a we statement
a) an I statement
Families need to balance the flexibility dimensions of their relationships between the extremes of
a) chaos and rigidity
b) disengagement and chaos
c) structure and connectedness
d) adaptability and rigidity
a) chaos and rigidity
Families need to balance the cohesive dimensions of their relationships between the extremes
a) disengagement and enmeshment
b) intimacy and enmeshment
c) rigidity and stability
d) autonomy and rigidity
a) disengagement and enmeshment
When both people in a relationship exhibit a passive communication style, the level of intimacy usually becomes
a) higher
b) nonexistent
c) ambiguous
d) lower
d) lower
Research on family time together indicates that pleasurable family time
a) often centers on simple, inexpensive activities and often involves outdoor recreation
b) often involves outdoor recreation
c) is usually related to the amount of money spent
d) often centers on simple, inexpensive activites
a) often centers on simple, inexpensive activites and often involves outdoor recreation
From a family systems theory perspective, when a child of a single parent constantly gets in trouble at school
a) the child is the problem
b) everybody in the family (including the noncustodial parent) is the problem
c) the teacher is the problem
d) family systems theory does not apply since school problems are outside the family boundaries
b) everybody in the family is the problem
A chaotic family would most likely live by which axiom?
a) we have nothing to fear but fear itself
b) there is nothing new under the sun
c) the more things change the more they stay the same
d) the only thing you can count on is that you cant count on anything
d) the only thing you can count on is that you cant count on anything
Which of the following is an example of spiritual well-being from the family strengths framework?
a) all of the choices are correct
b) having strong ethical beliefs
c) faith in God
d) a feeling of oneness with the world
a) all the choices are correct
In intimate human relationships, conflict is
a) predictable
b) none of the choices are correct
c) inevitable
d) abnormal
c) inevitable
When arguing, active listeners
a) change the subject if they think conflict may be arising
b) uses down time in the conversation for other mental tasks
c) hear the messages of the words as well as the words themselves
d) send a new message that obviously builds on the previous messages
c) hear the message of teh words as well as the words themselves
Disengaged relationships are characterized by all of the following EXCEPT:
a) high independence
b) lack of loyalty
c) high separateness
d) covert conflict
d) covert conflict
Esperanza is always telling her boyfriend things like “you never take out the trash” and “you always pick your friends over me”. She is adopting what communication style?
a) aggressive communication
b) assertive communication
c) passive communication
d) compromising communication
a) aggressive communication style
The point of “It’s your Decision” communication game is:
a) to pick a restaurant
b) to be kind
c) to avoid conflict
d) to avoid responsibility in case a decision turns out badly
d) to avoid responsibility
The point of the Wooden Leg game is to
a) excuse behavior
b) describe prostethics
c) assume responsibility for behavior
d) blame another for behavior
a) excuse behavior
Tips for making communication better include
a) talking about common interest
b) make sure there is a balance in communication
c) passing on information
d) all of the above
d) all of the above
Family of Origin refers to
a) none of these
b) an individual’s ethnic background
c) the family in which an individual grew up in
d) a family that includes at least one biological child
c) the family in which an individual grew up in
Humor can have negative effects when it is used
a) to point out mistakes made by others
b) to point out the incongruous aspects of life
c) to place the person using it in a superior position
d) to facilitate conversation
b) to point out the incongruous aspects of life
Researchers have known for a long time that _____ together are one of the best ways to enhance communication and further develop family strengths
a) walking
b) reading
c) vacation time
d) mealtimes
d) mealtimes
Aubrey and Waylon are a very volatile married couple. Sex is fun, passionate, and playful. Based on this, how would you classify them based on the form of marital dynamic?
a) best friend couple
b) conflict minimizing couple
c) emotionally expressive couple
d) complementary couple
c) emotionally expressive couples
Compared to other cultures, the frequency of sexual intercourse in the US is
a) above average
b) ranks in the highest third
c) is about average
d) ranks in the lowest third
c) is about average
Masters and his colleagues estimate that _____ of all married couples have some sexual dysfunctions at some time in their marriage
a) none
b) more than 80
c) about 50
d) 10-20
c) about 50
In western societies, women tend to be judged by their ____, and men tend to be judged by their ____
a) appearance, muscularity
b) appearance; accomplishments
c) accomplishments; power
d) muscularity; apperance
b) appearance; accomplishments
Which of the following is a finding of the National Survey of Sexual Health and Behavior conducted in 2009 and reported by Indiana University Bloomington (2016)
a) in general both men and women begin partnered sexual relation at age 21
b) oral sex was the most common sexual behavior reported among both men and women
c) vaginal intercourse was common for men from 18 to 19 years of age
d) sexual activity increases sharply in both men and women from 18 to 24 years of age
d) sexual activity increases sharply in both men and women from 18 to 24 years of age
Which of the following is used to treat premature ejaculation?
a) the squeeze technique
b) masturbation
c) avoidance of sexual activity
d) sensate focusing
a) the squeeze technique
Many couples try living together before marriage. They are:
a) demonstrating how committed they are to each other
b) trying out marriage without the hassles of a ceremony
c) a and c
d) increasing the likelihood of divorce should marriage ensue
a and c is always the answer
The most common sexual problem for both men and women as we age is:
a) the lack of sexual desire
b) being out of shape
c) having a psych problem
d) erectile dysfunction
a) the lack of sexual desire
What is the label used for a woman who is aroused but cannot climax?
a) low sexual desire
b) orgasmic disorder
c) sexual pain disorder
d) sexual arousal disorder
b) orgasmic disorder
A major strength for self-reported happily married couples is
a) the amount of money they make
b) the neighborhood they live in
c) the number of children they have
d) the quality of their sexual relationship
d) the quality of their sexual relationship
Hellmich’s study of 815 men found that ___ is the most important thing in a mans life
a) fortune
b) career
c) sex
d) marriage
d) marriage
Reason why sexual activity may diminish in marriage
a) stress
b) boredom
c) hypoactive sexual desire
d) all of these choices are correct
d) all of these choices are correct
For women, sexual addiction is most commonly expressed through
a) participating in sexual chat rooms
b) masturbation
c) flirtation to get attention
d) pornography
c) flirtation to get attention
Many women report that their sex life has lost its spark when ____
a) all of the above
b) they have just had a baby
c) their hormones are in flux
d) during the transition into menopause
a) all of the above
Blumstein and Schwartz found that for married couples, about ____ had sex three times a week or more after 10 years of marriage
a) 10%
b) 34%
c) 26%
d) 18%
d) 18%
Standards of Attractiveness _____ from one culture to another
a) vary in specifics
b) are similar
c) are unimportant
d) none of the above
a) vary in specifics
What is the name for a man’s impotence?
a) painful intercourse
b) erectile dysfunction
c) orgasmic dysfunction
d) premature ejaculation
b) erectile dysfunction
The term sexuality refers primarily to:
a) who a person is attracted to and wants to have a relationship with
b) whether a person identifies as male or female
c) a person’s assigned sex or natal sex
d) the beliefs, values, and behaviors that define a person as a sexual being
d) the beliefs, values, and behaviors that define a person as a sexual being
The Jewish historical view about sex included
a) women are to make sure their husband is sexually satisfied
b) sex is for procreation only
c) while sex is for pleasure, Jewish teaching ignores the subject
d) men have a moral obligation to bring their wife to orgasm
d) men have a moral obligation to bring their wife to orgasm
The Theology of Sex is based on the idea that whatever God creates reveals something about his nature and character. Which of the following best captures the nature of God as seen in sexual activity?
a) holy
b) mercy
c) justice
d) love
a) holy
Which of the following statements is FALSE?
a) kissing is uncommon to most societies
b) in some societies, pain is inflicted on the partner during lovemaking
c) all societies regulate sexual behavior
d) sexual techniques vary considerably
a) kissing is uncommon in most societies
To lessen the temptation for internet pornography, a husband should
a) talk about the temptation with his wife
b) keep all computers in heavily traveled areas
c) all the answers are true
d) talk about the temptation with another man
c) all the answers are true
Men think about sex differently than women. Which of the following ways does not belong with men’s concept about sex?
a) men are visual
b) men are easily distracted during sexual context
c) men see sex as the means to show relational connection
b) men are easily distracted during sexual contact
When happy and unhappy married couples are compared, the happy couples are _____ concerned about the level of their partner’s sexual interest?
a) less
b) equally
c) more
d) just as
a) less
In the context of martial styles and sexual behavior, what kind of couples are the most stable couple style and usually have traditional roles
a) emotionally expressive
b) conflict minimizing
c) best friend
d) complementary
b) conflict minimizing
For most women, sex is about:
a) techniques
b) emotional connection
c) pleasure
d)desire
b) emotional connection
Which is true about older people and sex?
a) older people enjoy sex as much as younger people
b) older people don’t understand sex
c) older people typically quit engaging in sex after age 65
d) older people have sex as often as younger people
a) older people enjoy sex as much as younger people
Good sex is possible when there are (is)
a) lots of practice
b) getting what you want from your spouse
c) good techniques
d) good relationship
d) good relationship
For men, sexual addiction is commonly expressed through:
a) talking to other guys about the problem
b) pornography
c) participating in sexual chat rooms
d) ignoring women
b) pornography
The teen pregnancy rate in the United States
a) is now the lowest in the world
b) has declined considerably over the past few decades
c) has increased dramatically over the past few decades
d) is the third highest in the world
b) has declined considerably over the past few decades
Research suggests that the most common form of marital dynamics is the
a) conflict minimizing couples
b) best friend couple
c) complementary couple
d) emotionally expressive couple
complementary couple
Women think about sex differently than men. Which of the following ways does not belong with women’s concept about sex?
a) women are easily distracted during sexual contact
b) women see sex occurring after an emotional connection is made
c) women is visually aroused
c) women are visually aroused
According to your book, indfidelity can be defined as
a) emotional only
b) sexual only
c) sexual and emotional combined only
c) sexual and emotional combined only
Several research studies show that ____ children receive direct instruction from their parents in the areas of sexuality, sexual intercourse, or birth control
a) no
b) most
c) all
d) few
d) few
The amount of money left over after taxes have been deducted from your pay is called
a) net pay
b) not enough
c) gross pay
d) adjusted pay
a) net pay
In a recent study by Lucia Dunn (Chicago Tribune, 2013) it was found that
a)younger people pay off their credit card debts more slowly than older adults
b) people in their middle years of life have more debt than younger people
c) debt tapers off when people are in their middle years of life
d) debt peaks at old age
a) younger people pay off their credit card debts more slowly than older adults
Approximately how much more does the average college graduate make over his/her working life than the average high school graduate?
a) 500,000
b) 100,000
c) They are the same
d) 1.1 million
d) 1.1 million
Which of teh following is NOT a part of the overall definition of budgeting?
a) the regular, systematic balancing of income and expenses
b) a personal system for making sure there is enough money to cover the essentials
c) a personal system that, hopefully, will pay for a few extras in addition to essential expenses
d) the regular systematic commitment of having enough money to pay the minimum payment on credit cards each month
d) the regular systematic commitment of having enough money to pay the minimum payment on credit cards each month
Which statement is TRUE about a collective worldview:
a) often European Americans see this view as a cultural strength
b) people with this view tend to place a high priority on helping family and friends
c) few cultures have this view
d) these people place personal needs first, then family
b) people with this view tend to place a high priority on helping family and friends
At the very minimum, how much should a person have in an emergency fund?
a) 1000
b) 5000
c) 10,000
d) 100
a) 1000
Financial issues are the most common stressor for families
a) all the above
b) who live in poverty
c) in the middle class
d) who are rich
a) all the above
FICO scores are increased by:
a) opening a savings account and paying bills on time
b) opening a savings account and adding to it regularly
c) by opening new credit card accounts
d) by paying bills on time
a) opening a savings account and paying bills on time
Historically, which of the following investments has had the highest rate of return?
a) US Treasury Bonds
b) Stocks
c) Certificates of Deposit
d) US Savings Bonds
b) stocks
You begin at age 21 saving 100 each month in a good mutual fund earning about 10% per year. At age 67, your retirement fund will be worth approximately
a) 500,000
b) 1,150,000
c) 2,200,000
d) 750,000
b) 1,150,000
Compound Interest means
a) putting one’s income tax refund in a savings account each year
b) saving at least 6 months’ salary for emergencies
c) that a person who saves a few hundred dollars a month over 30 or 40 years can become a millionare
d) avoiding buying items during a peak-demand, and therefore peak-price, period
c) that a person who saves a few hundred dollars a month over 30 or 40 years can become a millionare
According to a Bankrate.com report, what percent of Americans do not systematically prepare for retirement by investing?
a) 41
b) 56
c) 74
d) 62
b) 56
Which of the following statements is true of pooling money by married couples?
a) if there is only one breadwinner in the family, it makes no sense to pool money
b) pooling is difficult because there are a lot of accounts to balance
c) cohabitating couples tend to favor pooling more than married couples
d) those who remarry after divorce are more likely to maintain separate funds than pool money
d) those who remarry after divorce are more likely to maintain separate funds than pool money
For most people it is best to buy which kind of life insurance?
a) whole life
b) universal life
c) variable life
d) term life
d) term life
On a paycheck, FICA is:
a) none of the above
b) the amount withheld for social security and medicare
c) the amount withheld for federal and state taxes
d) the amount withheld for medical insurance
b) the amount withheld for social security and medicare
According to the US Bureau of Labor Stats. what percentage of people 65 and older are still working?
a) 18
b) 27
c) 36
d) 50
c) 36
Bankruptcy
a) offers some protection from creditors
b) has very few social implications
c) is a good solution to financial problems
d) makes financial concerns much easier to handle
a) offers some protection from creditors
Which of the following is NOT an asset?
a) value of possesions
b) mortgage balance
c) savings and retirement funds
d) cash on hand
b) mortgage balance
Which of the following is not an emergency expense?
a) illness
b) vacation
c) job loss
d) car wreck
b) vacation
How much life insurance should a person buy?
a) 8 times income
b) 7 times income
c) 9 times income
d) 10 times income
d) 10 times income
Identify a true statement about US families and credit cards
a) credit card debt is rare compared to having a credit card debt
b) as income rises, credit card spending decreases
c) the amount of credit card debt is now near the amount before the 2007 recession
d)most families do not carry a monthly balance on their credit cards
b) as income rises, credit card spending decreases
Long term care insurance
a) covers in-home care or nursing home care
b) both covers in home care or nursing home care and should be purchased by any person over age 60
c)works only in nursing homes
d) should be purchased by any person over 60
b) both covers in home care or nursing home care and should be purchased by any person over age 60
Research shows generally after the household income reaches about $50,000
a) money and happiness are not necessarily related
b) the relationship between money and happiness is no longer strong
c) happiness starts to decrease along with money earned
d) happiness continues to increase along with money earned
b) the relationship between money and happiness is no longer strong
What does living in poverty mean?
a) living from paycheck to paycheck
b) having enough money to pay for medicine, food, and shelter , but nothing else
c) making just the minimum payment on credit cards
d) not having adequate food or a decent place to sleep
d) not having adequate food or a decent place to sleep
How much should a family spend per month on housing expenses?
a) 1 week take home pay
b) 2 1/2 week take home pay
c) 2 weeks take home pay
d) 1 1/2 weeks home pay
c) 2 weeks take home pay
As stated in class, how many months worth of income should eventually be saved for emergencies?
a) 3
b) 12
c) 1
d) 6
d) 6
In order for a couple to avoid financial pitfalls, they must have
a) two incomes
b) continuing education for financial management
c) trust and solidarity
d) pooled earnings for investment income
c) trust and solidarity
Generally speaking, it is wiser to buy a home than to rent, because each mortgage payment gradually increases ones _____ in the home
a) equity
b) personal debt
c) emotional investment
d) tax liability
a) equity
The number one cause of bankruptcy is:
a) credit card debt
b) medical bills that cannot be paid
c) not using a credit card
d) using cash to pay your bills
b) medical bills that cannot be paid
Listed in order, the top three average annual expenditures for households in America are
a) food, health care, housing
b) housing, health care, food
c) housing, transportation, food
d) transportation, housing, clothing
c) housing, transportation, food
Listed in order, the top three average annual expenditures for households in America are
a) food, health care, housing
b) housing, health care, food
c) housing, transportation, food
d) transportation, housing, clothing
c) housing, transportation, food
You have a credit card with the balance of 1000, and an interest rate of 17%. If you make no new purchases, and you pay the minimum payment, how long would it take to pay it off?
a) 48 months
b) 12 months
c) 7 years
d) 5 years
d) 5 years
Which of the following statements is true of a good budget?
a) it builds in personal control for the head of the family
b) it gives equal priority to both wants and needs
c) it treats credit as income, not debt
d) it is simple, realistic, and clear
d) it is simple, realistic, and clear
Which of the following is seldom a cause for personal debt?
a) comparative spending
b) credit spending
c) crisis spending
d) compulsive spending
a) comparative spending
When comparing credit cards, what should one look at?
a) charges for cash advances
b) all of these answers are correct
c) late fees
d) annual fees
b) all of the answers are correct
Budgets
a) seldom really keeps people out of financial trouble
b) are valued by most couples
c) require extensive record keeping, time, and effort
d) can alleviate struggles between partners
c) require extensive record keeping, time, ad effort
Which of the following is a finding of research about on financial infidelity?
a) individuals who kept financial information secret from their partner were less satisfied in their couple relationship
b) individuals who kept financial information secret from their partner were more likely to disclose it to their children
c) Financial infidelity was helped to relationship because it led to a reduction in arguments about money
d)those who committed financial infidelity were less likely to commit mental infidelity
a) individuals who kept financial information secret from their partner were less satisfied in their couple relationship
For most Americans, money is a source of anxiety
a) across the life span
b) primarily for those 26-44 years old
c) primarily for those 45-65 years old
d) primarily for those 15-25 years old
a) across the life span
What do most children see their parents as?
God
Who began researching parenting practices and when?
Diana Baumrind in 1960s
She discovered parenting styles
What two concepts did Baumrind measure in her parenting styles research?
Control (demandingness) and warmth (responsiveness)
Authoritarian Parenting Style
-high in control, low in warmth
-little communication, no compromise; emotions make us soft
-children are conflicted and irritable
What are the outcomes of children raised by Authoritarian parenting?
poor social skills, low academic performance, less self-esteem, delinquency and drug and alcohol abuse
What is the least used parenting style?
Uninvolved
Uninvolved parenting style
-low in warmth, low in control
-actively rejecting their kids or passively avoiding them; disengaged
-makes moody children; unfriendly; vulnerable to stress (because this is what they learned
What are the outcomes of children raised by uninvolved parenting?
more drug/alcohol abuse, delinquency, suicide, and impulsive behavior
What is the most used parenting style?
Authoritative
Authoritative Parenting Style
-high control; high warmth
-high expectations and lots of communication
-children are energetic and friendly
What are the outcomes for children raised by authoritative parenting?
achieve academically, better social skills, more confidence, less delinquency
Permissive Parenting Style
-low in control; high in warmth
-lots of communication; little enforcement of rules
-children are rebellious, domineering, low achievers
-Self-Indulgent Behaviors: choose what rules to follow
What are the outcomes for children raised by permissive parenting?
impulsive behaviors, egocentric, poorer social skills, problematic relationships
What did research saw was declining within the family?
stability of fathers
Who do children learn self-identity from?
Fathers
What parent do children learn sexual identity from?
Dad (even girls)
