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PFHS Obj 3-4

Total questions: 49

Worksheet time: 25mins

Name
Class
Date
1.

The newlyweds wanted to start their marriage being financially responsible. What tool could they use to keep track of where their money is going?

a)

spending plan

b)

income

c)

expenses

d)

savings account

2.

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:

a)

need.

b)

want

c)

wish.

d)

priority

3.

Darrell's paycheck has had the taxes and benefits deducted. His take-home pay is referred to as:

a)

a spending plan.

b)

net income.

c)

gross income.

d)

expenses.

4.

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:

a)

gross income.

b)

net income.

c)

hourly wage.

d)

weekly wage.

5.

Why is saving important?

a)

because the future is unpredictable

b)

because people need to buy goods and services to grow the economy

c)

because protecting assets such as a house and vehicles is critical in case of accidents

d)

because people need to support local banks and credit unions

6.

An ability to borrow a limited amount of money on demand, small monthly payments, and no end date are characteristics of which money tool?

a)

credit card

b)

debit card

c)

mortgage

d)

car loan

7.

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?

a)

checking account

b)

certificate of deposit (CD) account

c)

money market deposit account

d)

savings account

8.

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?

a)

read labels and follow instructions

b)

use products safely

c)

complain effectively and refuse poor equipment

d)

resist high pressure sales people

9.

Marilyn believes that a portion of her income should go to charitable causes to help those less fortunate. This is an example of:

a)

wants

b)

needs

c)

values.

d)

savings

10.

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?

a)

credit

b)

debit

c)

interest

d)

equity

11.

Which are examples of expenses?

a)

interest and bonuses

b)

food and insurance

c)

wages and salary

d)

allowance and scholarships

12.

Which is the best way to increase the amount of one's savings, without depositing more money?

a)

save at least two months’ worth of expenses

b)

take advantage of the time value of money

c)

save money in a safe at home to protect it against loss

d)

practice “pay yourself last”

13.

Which method of payment most likely requires a personal identification number (PIN) to confirm the electronic transfer of funds from an account?

a)

credit card

b)

debit card

c)

cash

d)

check

14.

In which category are a new car, designer clothes, and gaming systems?

a)

wants

b)

needs

c)

values

d)

income

15.

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?

a)

gross income

b)

net income

c)

hourly income

d)

weekly income

16.

Low interest rates, no membership fees, and grace periods are important criteria to consider when selecting:

a)

credit cards.

b)

savings accounts.

c)

mortgages.

d)

checking accounts.

17.

Money earned from savings accounts and investments is an example of:

a)

a spending plan.

b)

income.

c)

expenses.

d)

a savings account.

18.

Liam has started to crawl and grasp items with his hands. Liam is in which stage of physical development?

a)

infancy

b)

early childhood

c)

adolescence

d)

middle adulthood

19.

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?

a)

the beginning stage

b)

the childbearing stage

c)

the parenting stage

d)

the launching stage

20.

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?

a)

resiliency

b)

commitment

c)

respect

d)

affirmation

21.

Which indicator of healthy families is shown by Shawn's mom knocking on his bedroom door before entering?

a)

resiliency

b)

commitment

c)

respect

d)

affirmation

22.

Which is a milestone of lifespan development that takes place during infancy?

a)

Ethan is able to crawl and hold his head up.

b)

Mia loves to run outside and climb the playground jungle gym.

c)

Will's voice is cracking, and he has noticed the appearance of facial hair.

d)

Ava has become concerned with the loss of her visual accuracy.

23.

Which family type would most likely experience the challenge of juggling their work and children's activities?

a)

nuclear

b)

childless

c)

single-parent

d)

stepfamily

24.

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?

a)

rituals and tradition

b)

communication

c)

resiliency

d)

responsibility

25.

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?

a)

toddlerhood

b)

middle childhood

c)

early adulthood

d)

older adulthood

26.

Which family type would most likely experience the benefit of many ages of adults living in the same household?

a)

nuclear

b)

childless

c)

multigenerational

d)

multiracial

27.

Charlie and Lee are in the process of adopting a child. Which stage of the family life cycle is being demonstrated?

a)

the beginning stage

b)

the childbearing stage

c)

the parenting stage

d)

the launching stage

28.

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?

a)

toddlerhood

b)

middle childhood

c)

early adulthood

d)

older adulthood

29.

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?

a)

toddlerhood

b)

middle childhood

c)

early adulthood

d)

older adulthood

30.

Gardner wrote the Theory of Multiple Intelligences which suggests:

a)

social interaction plays a key role in human learning.

b)

individuals go through stages of ethical behavior.

c)

there are stages requiring an individual to overcome social crises such as trust versus mistrust.

d)

there are many types of intelligence such as musical, body-spatial, or mathematical-logical.

31.

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?

a)

wealthier communities

b)

fairer communities

c)

safer communities

d)

healthier communities

32.

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?

a)

healthier communities

b)

safer communities

c)

wealthier communities

d)

fairer communities

33.

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?

a)

collaborating

b)

fundraising

c)

advocating

d)

including

34.

A center is focused on helping individuals with business clothes, interview skills, and job placement. This is an example of which community development principle?

a)

advocacy

b)

self-determination

c)

antidiscrimination

d)

partnership

35.

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?

a)

identify concerns

b)

form a plan

c)

set a goal

d)

follow up

36.

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?

a)

collaborating

b)

fundraising

c)

advocating

d)

including

37.

Who is demonstrating good civic engagement in their community?

a)

Ashley avoids volunteering because she is too busy with other activities.

b)

Becky never votes because she does not like politics.

c)

Amy attends the local school board meetings to advocate for students in her community.

d)

Karen cheats the system to avoid paying taxes.

38.

Taxes collected by which level of government go to support military/defense, Medicare, and Medicaid?

a)

city

b)

county

c)

state

d)

federal

39.

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?

a)

follow up

b)

act

c)

set a goal

d)

form a plan

40.

Which is an example of media and communication that provides individuals and families with timely information about current events?

a)

U.S. Postal Service

b)

public Wi-Fi hotspots

c)

local and national news

d)

Vogue magazine

41.

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?

a)

media and communication

b)

parks and recreation

c)

law and order

d)

arts and culture

42.

Which behavior is an example of self-neglect?

a)

a caregiver not feeding a patient as punishment

b)

a caregiver taking jewelry from a patient

c)

an elderly person asking for help to go to the restroom

d)

an elderly person forgetting to take medication

43.

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?

a)

set a goal

b)

form a plan

c)

identify concerns

d)

follow up

44.

Which behavior is an example of self-neglect?

a)

a caregiver not feeding a patient as punishment

b)

a caregiver taking jewelry from a patient

c)

an elderly person asking for help to go to the restroom

d)

an elderly person forgetting to take medication

45.

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?

a)

follow up

b)

act

c)

set a goal

d)

form a plan

46.

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?

a)

advocacy campaign

b)

fundraising campaign

c)

collection campaign

d)

educational campaign

47.

What is the type of income tax based on tax brackets?

a)

proportional

b)

progressive

c)

regressive

d)

estate

48.

What is the type of income tax based on tax brackets?

a)

proportional

b)

progressive

c)

regressive

d)

estate

49.

What do local taxes help fund?

a)

interstate highways

b)

military

c)

city parks

d)

public university system