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WorksheetsPFHS Obj 3-4
Total questions: 49
Worksheet time: 25mins
The newlyweds wanted to start their marriage being financially responsible. What tool could they use to keep track of where their money is going?
spending plan
income
expenses
savings account
Johnny is observed wearing a short sleeved shirt as he waits for the bus on a cold morning. A jacket for Johnny would be considered a:
need.
want
wish.
priority
Darrell's paycheck has had the taxes and benefits deducted. His take-home pay is referred to as:
a spending plan.
net income.
gross income.
expenses.
When Greg received his first paycheck, he was surprised to see it was much lower than expected. He had not considered the regular deductions that would be taken out of his check. The amount Greg received is referred to as:
gross income.
net income.
hourly wage.
weekly wage.
Why is saving important?
because the future is unpredictable
because people need to buy goods and services to grow the economy
because protecting assets such as a house and vehicles is critical in case of accidents
because people need to support local banks and credit unions
An ability to borrow a limited amount of money on demand, small monthly payments, and no end date are characteristics of which money tool?
credit card
debit card
mortgage
car loan
Haley received a bonus and wants to deposit it in an account that allows limited withdrawals, but pays a higher interest rate. Which would be the best type of account for her to use?
checking account
certificate of deposit (CD) account
money market deposit account
savings account
Sarah was very upset when her new phone broke the week after she purchased it. In her anger, she went to the local phone store and yelled at the sales person who had nothing to do with it. Which characteristic of being a wise consumer did Sarah violate?
read labels and follow instructions
use products safely
complain effectively and refuse poor equipment
resist high pressure sales people
Marilyn believes that a portion of her income should go to charitable causes to help those less fortunate. This is an example of:
wants
needs
values.
savings
When Miranda opened her credit card bill, she was surprised to see that the amount she owed was more than the cost of the things she had purchased. What is the probable cause of this difference?
credit
debit
interest
equity
Which are examples of expenses?
interest and bonuses
food and insurance
wages and salary
allowance and scholarships
Which is the best way to increase the amount of one's savings, without depositing more money?
save at least two months’ worth of expenses
take advantage of the time value of money
save money in a safe at home to protect it against loss
practice “pay yourself last”
Which method of payment most likely requires a personal identification number (PIN) to confirm the electronic transfer of funds from an account?
credit card
debit card
cash
check
In which category are a new car, designer clothes, and gaming systems?
wants
needs
values
income
Quinn is excited about her new job. The salary she was quoted for the position does not have deductions taken out of the amount. What type of income was Quinn quoted to earn?
gross income
net income
hourly income
weekly income
Low interest rates, no membership fees, and grace periods are important criteria to consider when selecting:
credit cards.
savings accounts.
mortgages.
checking accounts.
Money earned from savings accounts and investments is an example of:
a spending plan.
income.
expenses.
a savings account.
Liam has started to crawl and grasp items with his hands. Liam is in which stage of physical development?
infancy
early childhood
adolescence
middle adulthood
Cameron is leaving home to live in an apartment while she attends college. Which stage of the family life cycle is demonstrated by Cameron leaving her family?
the beginning stage
the childbearing stage
the parenting stage
the launching stage
Sonya's father lost his job of fifteen years, and the family has cut back on excess spending. Which indicator of healthy families is demonstrated by the ability of Sonya's family to adapt and cope with the lost wages?
resiliency
commitment
respect
affirmation
Which indicator of healthy families is shown by Shawn's mom knocking on his bedroom door before entering?
resiliency
commitment
respect
affirmation
Which is a milestone of lifespan development that takes place during infancy?
Ethan is able to crawl and hold his head up.
Mia loves to run outside and climb the playground jungle gym.
Will's voice is cracking, and he has noticed the appearance of facial hair.
Ava has become concerned with the loss of her visual accuracy.
Which family type would most likely experience the challenge of juggling their work and children's activities?
nuclear
childless
single-parent
stepfamily
The Ali family celebrates birthdays by allowing the family member to decide what will be served for dinner and having it served to him/her on a special birthday plate. This is an example of which indicator of healthy families?
rituals and tradition
communication
resiliency
responsibility
Kyle is 7 years old and enjoys playing catch, building elaborate structures with blocks, and writing simple sentences. Which physical lifespan stage is described by the scenario?
toddlerhood
middle childhood
early adulthood
older adulthood
Which family type would most likely experience the benefit of many ages of adults living in the same household?
nuclear
childless
multigenerational
multiracial
Charlie and Lee are in the process of adopting a child. Which stage of the family life cycle is being demonstrated?
the beginning stage
the childbearing stage
the parenting stage
the launching stage
Trey has stopped growing and needs to reduce his calorie intake to avoid gaining weight as he reaches his 25th birthday. He continues to run to meet the suggested 150 minutes of moderate exercise per week. Which physical lifespan stage is described in this scenario?
toddlerhood
middle childhood
early adulthood
older adulthood
As Bob celebrates his 70th birthday, he enjoys walking his dog. His dog helps guide him since his cataracts interfere with his vision, but he is committed to getting aerobic activity each day to prevent heart disease. Which physical lifespan stage is described?
toddlerhood
middle childhood
early adulthood
older adulthood
Gardner wrote the Theory of Multiple Intelligences which suggests:
social interaction plays a key role in human learning.
individuals go through stages of ethical behavior.
there are stages requiring an individual to overcome social crises such as trust versus mistrust.
there are many types of intelligence such as musical, body-spatial, or mathematical-logical.
Enrique is a Family and Consumer Sciences cooperative extension agent and is creating a program to teach children healthy cooking skills. Enrique's project illustrates which community development principle?
wealthier communities
fairer communities
safer communities
healthier communities
The local police department trains individuals and families in how to prevent and report crime in their neighborhoods. This scenario illustrates which goal of community development?
healthier communities
safer communities
wealthier communities
fairer communities
An FCCLA chapter is partnering with local banks to increase financial literacy about credit cards. By working together they share resources to achieve their goal. What best describes this approach to community development projects?
collaborating
fundraising
advocating
including
A center is focused on helping individuals with business clothes, interview skills, and job placement. This is an example of which community development principle?
advocacy
self-determination
antidiscrimination
partnership
Angela is working with the community development board to brainstorm a list of issues they would like to focus on for the coming year as part of her project. This scenario represents which step in the FCCLA Planning Process?
identify concerns
form a plan
set a goal
follow up
The FCCLA chapter is hosting a benefit dinner to raise money for a national childhood hunger campaign. This is an example of which type of community development project?
collaborating
fundraising
advocating
including
Who is demonstrating good civic engagement in their community?
Ashley avoids volunteering because she is too busy with other activities.
Becky never votes because she does not like politics.
Amy attends the local school board meetings to advocate for students in her community.
Karen cheats the system to avoid paying taxes.
Taxes collected by which level of government go to support military/defense, Medicare, and Medicaid?
city
county
state
federal
Giovana worked with her committee on developing a timeline, budget, and a list of who is responsible for which actions. Which step of the FCCLA Planning Process does this exemplify?
follow up
act
set a goal
form a plan
Which is an example of media and communication that provides individuals and families with timely information about current events?
U.S. Postal Service
public Wi-Fi hotspots
local and national news
Vogue magazine
Asheville city planners have invested in restoring a downtown theater, zoning for restaurants, and sponsoring an international film festival. This community places a large value on which community component?
media and communication
parks and recreation
law and order
arts and culture
Which behavior is an example of self-neglect?
a caregiver not feeding a patient as punishment
a caregiver taking jewelry from a patient
an elderly person asking for help to go to the restroom
an elderly person forgetting to take medication
The local shelter is in need of supplies and extra food. They come up with a list of challenges they need to consider. What step of the FCCLA Planning Process is the shelter in?
set a goal
form a plan
identify concerns
follow up
Which behavior is an example of self-neglect?
a caregiver not feeding a patient as punishment
a caregiver taking jewelry from a patient
an elderly person asking for help to go to the restroom
an elderly person forgetting to take medication
As part of her project, Kyle is collaborating with the Women's Center. They decided to raise $20,000 for renovations to their shelter by December 15th by hosting an auction. Which step of the FCCLA Planning Process is this?
follow up
act
set a goal
form a plan
October is National Domestic Violence Awareness Month, which increases understanding of violence against women and their children. This is an example of which type of campaign?
advocacy campaign
fundraising campaign
collection campaign
educational campaign
What is the type of income tax based on tax brackets?
proportional
progressive
regressive
estate
What is the type of income tax based on tax brackets?
proportional
progressive
regressive
estate
What do local taxes help fund?
interstate highways
military
city parks
public university system
