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JROTC > LE300 & Cultural Studies Midterm Study Guide > Flashcards

LE300 & Cultural Studies Midterm Study Guide Flashcards

1
Q

A personal financial plan can make the difference between being able to do the things you want to do and feeling that you’ll never reach your _______ in life.

A

Goals

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2
Q

__________ is/are an example of a need.

A

Transportation Expenses

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3
Q

What would be considered an asset?

A

Gold ring

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4
Q

What would be an intangible asset?

A

Your life

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5
Q

Which of the following is considered an investment?

A

Shares

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6
Q

If you enter military service, you can retire after _____ years of service.

A

20

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7
Q

What question should you ask yourself when establishing your financial goals?

A

How important is money to you?

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8
Q

When setting an intermediate financial plan, it should cover the following timeframe:

A

1-5 years

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9
Q

When setting a long-term financial plan, it should cover the following timeframe:

A

5+ years

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10
Q

The US government insures the money in most banks and credit unions up to _________.

A

$250,000

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11
Q

What is a step for developing a financial plan?

A

Select the best plan to achieve your goals

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12
Q

Your financial plan should have a(n) __________ level of risk.

A

Acceptable

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13
Q

What income should be considered as part of your budget?

A

All of the above

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14
Q

What expenses should be considered as part of your budget?

A

Entertainment purchases

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15
Q

The US government protects up to ____________ of customers money with of licensed banks.

A

$250,000

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16
Q

What is an advantage of owning a bank account?

A

You can get your money if you need it

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17
Q

With a bank account, you will be able to show that you are ______________ with your money.

A

Responsible

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18
Q

What is an account for depositing money you want to access money with a debit card?

A

Checking

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19
Q

You can access your account from nearly anywhere in the world through ________.

A

ATMs

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20
Q

Some banks will allow you to rent a(n) _______________ where you can store valuable documents or other items.

A

Safe Deposit Box

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21
Q

Your employer may use _______________ to deposit your paycheck directly in your account.

A

Direct deposit

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22
Q

What is a requirement for a loan?

A

Good credit history

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23
Q

Deposits at a bank are insured by the ___________________.

A

Federal Deposit Insurance Corporation (FDIC)

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24
Q

What is an advantage of electronic banking?

A

Time saved by not having to visit a bank

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25
Q

If you use an ATM facility not affiliated with your bank, you can incur ______.

A

Fees

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26
Q

What is a tip for internet shopping?

A

Fully understand the return policy

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27
Q

What is a tip to becoming a smart grocery shopper?

A

Watch for sales

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28
Q

When shopping for clothes, which of the following tips should you follow?

A

Shop at discount stores

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29
Q

When renting an apartment, who is responsible for repairs when something goes wrong?

A

Landlord

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30
Q

What tip should you follow when shopping for an apartment?

A

Know whether utilities are included

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31
Q

What is an advantage of leasing a vehicle?

A

You don’t need a down payment

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32
Q

According to Consumer Reports, for many reasons, it usually ______________ to lease than to buy a car.

A

costs more

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33
Q

Whatis an advantage of buying a vehicle?

A

You will have equity in the car.

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34
Q

What is considered a positive aspect of credit?

A

Good credit can help you reach your goals.

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35
Q

What is a disadvantage of using credit?

A

You will be tempted to make impulse purchases.

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36
Q

Many people have __________ because they make only the minimum payments on their credit cards each month.

A

Big debts

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37
Q

What source of credit would be used to pay for goods or services at any business establishment?

A

Credit Card

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38
Q

What is a tip for managing your credit?

A

Limit yourself to no more than 2 credit cards

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39
Q

In order to apply for a credit card, you must show which of the following?

A

You are 18 years old

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40
Q

What personal information may be asked on a credit card application?

A

All of the above

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41
Q

What is used by credit card companies to evaluate your credit application?

A

Character

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42
Q

A good practice to establish credit is to:

A

Make regular payments

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43
Q

What steps should you do if you think you’re getting into trouble?

A

Stop borrowing

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44
Q

What principle does insurance work on?

A

Shared risk

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45
Q

What is a reason that insurance is a good investment?

A

Provides financial security

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46
Q

What would be required with a deductible of $500?

A

You pay the first $500 of damages

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47
Q

What is true if you choose a high deductible?

A

Lower premiums

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48
Q

Uninsured Motorist Protection would cover financial losses due to:

A

Injuries caused by a driver without insurance

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49
Q

What would be considered the most low-risk driver?

A

Twenty-five-year-old female

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50
Q

What can you do to prevent identity theft?

A

Destroy all financial statements

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51
Q

Which organization reported that the growth in high-paying jobs will be in technical and medical fields?

A

Bureau of Statistics

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52
Q

What statement is true regarding jobs?

A

Jobs involve specific duties within designated hours

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53
Q

According to the U.S. Department of Labor’s Bureau of Statistics, which occupation has the largest numerical declines through 2020?

A

Farmers

54
Q

According to the U.S. Department of Labor’s Bureau of Statistics, which occupation has the largest numerical increases through 2020?

A

Registered nurses

55
Q

A high school diploma can increase your earning potential by _____ as opposed to no high school diploma.

A

82%

56
Q

What would be the minimum needed for a career as a high school teacher?

A

Bachelor’s degree

57
Q

In the field of __________, you would care for ill, injured, convalescent, or disabled patients.

A

Registered Nurses

58
Q

What is the name of the employment agency for the Federal Government?

A

Office of Personnel Management (OPM)

59
Q

What career factor is described by your combined knowledge, skills, and self-confidence gained through events and activities?

A

Experience

60
Q

What is a task in good career planning?

A

Evaluate your attitudes, abilities, and preferences

61
Q

Which online source can be used to find titles for thousands of jobs?

A

Dictionary of Occupational Titles

62
Q

What subjects would a person with Musical/Rhythmic Intelligence enjoy?

A

Dance

63
Q

What intelligence is effective when studying in a quiet area?

A

Intrapersonal

64
Q

What primary intelligences would an engineer likely to possess?

A

Visual/spatial

65
Q

What career would a person with a primary intelligence of bodily/kinesthetic most likely choose?

A

Mechanic

66
Q

If you prefer to read a text than listen to a lecture, then you prefer which learning style?

A

Visual

67
Q

What type of learner prefers oral instruction to learning?

A

Auditory

68
Q

Which of the following is a true statement?

A

Once you choose a career, you can still explore other options

69
Q

A standard work year is __________ hours.

A

2080

70
Q

A technical training program could prepare for a career as a __________.

A

Carpenter

71
Q

What describes the process of following a person around during the workday in a field that interests you?

A

Job shadowing

72
Q

What is an advantage of pursuing a post-secondary degree?

A

Earning potential is substantially more

73
Q

What term describes a person who works manual labor?

A

Blue Collar Job

74
Q

What careers would be available by earning a certificate or two-year degree?

A

Plumber

75
Q

To become an engineer, what minimum degree must you have?

A

Bachelor’s degree

76
Q

Some of all beliefs, values, behaviors, & symbols that have meaning for a society.

A

Culture

77
Q

How does culture impact you?

A

Defines how you interact with others

78
Q

What does a belief system do?

A

Sets standards & defines acceptable behavior

79
Q

How does your worldview impact you?

A

How we see the world & understand our place in it.

79
Q

What must you do when studying other cultures?

A

Keep your judgment in check, and try to appreciate other cultures.

80
Q

Foster’s unity explores new ways of doing things and prepares you to be a global citizen.

A

Benefits of studying cultures

81
Q

What percentage of the world’s population uses the Internet?

A

Over 53%

81
Q

How much of communication is nonverbal?

A

70-80%

81
Q

How do countries limit the use of smartphones?

A

Limited access, cost, censorship

82
Q

How has social media impacted connections between cultures?

A

Allows cultures to interact, and breaks down divisions & distance.

83
Q

What can technology do to a culture’s development?

A

Permanently change it

84
Q

The Middle East is also called the ________

A

Cradle of Civilization

85
Q

The Dead Sea and the Caspian Sea are actually _______.

A

Lakes

86
Q

The Dead Sea is also the ________________.

A

Lowest body of water in the world

87
Q

The Caspian Sea is the _________________.

A

Largest lake in the world

88
Q

The Arabian desert is the _____ largest desert.

A

2nd

89
Q

Arabian desert consists of ____________.

A

Rolling sand dunes

90
Q

Why is the Middle East the cradle of civilization?

A

First place where complex cities grew

91
Q

What religions originated in the ME?

A

Judaism, Christianity, Islam

92
Q

The _________ Empire ruled the ME from 1299-1918

A

Ottoman

93
Q

What started the War on Terror?

A

Attacks on World Trade Center

94
Q

What countries are oil-producing in the ME?

A

Saudi Arabia, Iran, Kuwait, Iraq & UAE

95
Q

_____ of the world’s oil comes from the ME.

A

1/3

96
Q

Iranian core culture is the principle of _____

A

Taarof

97
Q

What are the major sects of Islam?

A

Sunni, Shia

98
Q

Muslims are to pray _____ times a day

A

Five

99
Q

Muslims fast during ______________.

A

Ramadan

100
Q

Muslims make a ________ to Mecca.

A

Hajj

101
Q

Men: no shorts, sleeveless or tight shirts
Women: scarves over head/neck, loose fitting pants (legs covered), baggy top to mid thighs

A

Dress code for Muslims

102
Q

Most Israelis consider themselves _______.

A

European

103
Q

The Jewish holy book is the ______.

A

Torah

104
Q

Jews worship in a ____________.

A

Synagogue

105
Q

Technology has ___________ and ____ percent of exports are advanced technology, military, or security systems

A

transformed, 50

106
Q

Military service is mandated for _____ _____.

A

Men and women

107
Q

Saudi Arabia is governed by __________.

A

Sharia law

108
Q

Saudi Arabia is the world’s leading exporter of ____.

A

Oil

109
Q

Government mandate for digital transformation, shift economic growth away from oil revenue, support innovation & entrepreneurship

A

Saudi Vision 2030 Vision

110
Q

Immigrants/guest workers provide ____ of unskilled labor.

A

76%

111
Q

What percentage of the workforce are women?

A

22%

112
Q

What does business have to be worked around?

A

Call to prayer

113
Q

Why is nepotism viewed as a good thing?

A

Shows that someone is known & loved.

114
Q

Much of the country is ___________ for living and most Canadians live where?

A

Not suitable

115
Q

What does Universal healthcare not cover and why do Canadians have health insurance?

A

Prescriptions/dental/eye care; coverage varies in provinces

116
Q

How formal are Canadian business meetings?

A

More formal

117
Q

Canada has the ____ largest oil reserves in the world.

A

3rd

118
Q

What is the citizen’s attitude toward government and why?

A

Suspicious because it is corrupt.

119
Q

How do they work around the problems in government?

A

Bribes, personal networks key

120
Q

How many people in Mexico live in poverty?

A

50%

121
Q

What class are most people in Mexico?

A

Lower class

122
Q

How does skin color impact class?

A

Lighter=higher, darker=lower

123
Q

What does Cinco de Mayo celebrate?

A

Battle of Peubla

124
Q

Someone who seems too relaxed & always delays doing things

A

Manana attitude

125
Q

What is the largest industry in Mexico?

A

Services

126
Q

Workers not regulated/protected by the state

A

Informal workers

127
Q

How many Mexicans are informal workers?

A

60%

JROTC (4 decks)

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