Let 2-3, Final Study Guide (U3C7L1:Q1) Jason gets angry often, even about things that most people consider to be unimportant. He knows it's a problem, but he doesn't know how to stop it. When you ask him if he's satisfied with himself and the world around him, he thinks about it, and then he says, "No. I'm not. I'm not satisfied with: myself; the way I manage time; and the way I relate to people." Which strategy for managing anger should you recommend he try?

- Change orientation (U3C7L1:Q2) Read carefully the following paragraph and select the correct option (A-D) The three main approaches to managing anger are expressing, suppressing, and calming. Expressing your angry feelings in an aggressive manner is the healthiest way. Suppressing anger is when you hold in your anger, stop and think about it, and focus on something positive. Calming means controlling your outward behavior and internal responses like taking steps to lower your heart rate, calm yourself down, and let the feelings subside.

- Replace "aggressive" with "assertive" (U3C7L1:Q3) While you and a friend were discussing anger management, she said her preferred strategy was by learning to communicate and listen better, and she thought that assertion was the best technique. You asked her why, and she listed four reasons. Which reason would you say she's confusing with another technique?

- It allows you to listen carefully and share in an angry person's feelings. (U3C7L1:G1) The technique of controlling your emotion so you can resolve conflict in a calm, rational manner is _________.

- Anger management (U3C7L1:F1) The ability to clearly communicate personal thoughts and feelings is known as what?

- Assertion

(U3C7L1:F2) What are you doing when you are able to accurately understand and constructively respond to the expressed needs, feelings, thoughts, and behaviors of others?

- Empathy

(U3C7L2:Q1) Study the information and select the option (A-D) that indicates the type of negative behavior in a diverse society.

Conflicts in Diversity: X. An employer shows a preference for hiring people of a specific race or nationality. Y. A man thinks that people from different cultures all behave the same.

Z. A Cadet notices that some ethnic groups in her class rarely get promotions or recognition for outstanding performance, and they don't participate as much.

- X = Discrimination; Y = Stereotyping; Z = Racial Tension

(U3C7L2:Q2) A classmate is talking about some of the crime problems in your neighborhood. He said that people from a different and poor side of town are to blame. Which type of bias is he using?

- Scapegoating (U3C7L2:Q3) You were asked to arbitrate a disagreement between two people of different races. It didn't take you long to realize that the disagreement was based on misunderstandings and mistrust between the two. You decide the following: Each person would invite the other to dinner at each other's house. They would be respectful and would spend at least one additional hour getting to know that person and their family. Which approach to conflict management are you using?

-Creative response approach (U3C7L2:F1) True or False. According to a 2001 Bureau of Justice Statistics Special Report, 62% of hate crime offenders were under 25 years old.

- True (U3C7L2:F2) In this fictitious animal story what do you think the author is doing to the bolies? “The bolies are animals like us, but they never help. All of them do not work and sit around lazily all day eating everything that we have collected for winter. They all make us poor and are very rude. They do nothing themselves, but live from the work of others. They plunder us. They do not care if we starve over the winter. The only thing they care about is that things go well for them.”

- Stereotyping (U3C7L3:Q1) You are mediating an argument between two classmates. You made introductions and rules, you had both sides tell their story, and you have explored possible situations, but haven't been able to settle the disagreement. What should you do next?

- Keep trying to find a solution that both classmates will agree to. (U3C7L3:Q2) Read carefully the following paragraph and select the most correct option (A-D). Yvonne agreed to mediate a disagreement between two of her friends. She listened to both of them tell their side of the story, summarized their feelings, and helped them brainstorm possible solutions. Then she thought about it and made her decision. One friend was happy, the other was not. Did Yvonne do a good job? Why or why not?

- No. She should not have made a decision. (U3C7L3:Q3) You are having a disagreement with a classmate. You are getting a little angry

because you have evidence that would show you are right, but your classmate doesn't want to see it. Since you have the evidence to show you're right, what should you recommend to your classmate to help resolve the situation in your favor?

- Use a mediator to resolve the dispute. (U3C7L3:Q4) Read carefully the following paragraph and select the correct option (A-D). One of the steps in mediation is to explore possible solutions. Mediators should first ask both parties how they can solve the problem. Next, they should write down all of the solutions. Finally, they should check off only those solutions to which at least one of the parties can agree.

- Replace "at least one of" with "both" (U3C7L3:G1) What is "anger management"?

- The technique of controlling your emotions so you can resolve conflict in a calm, rational manner (U3C7L3:G4) What is "mediation"?

- Using an independent third party that acts as a facilitator in conflict resolution (U3C7L3:G5) ___________ is from the Latin word meaning "middle" and literally means putting another person in the middle of a dispute.

- Mediation

(U3C7L3:G6) Which is preferable for conflict resolution - mediation or arbitration?

- Mediation (U3C7L3:G7) What are the attributes of a good mediator?

- Honesty, objectivity, and acting in good faith - Empathy, using good communication skills, and effectively listening - Summarizing accurately, and thinking critically (U3C7L3:G8) What are the four procedures for a successful mediation?

- Make introductions and explain mediation's role; Have both sides tell their story; Explore possible solutions; and Don't give up. (U3C7L3:G10) The technique of controlling your emotions so you can resolve conflict in a calm, rational manner is called ______________.

- Anger management (U3C7L3:G11) ____________ is using a third party who is independent and who acts as a facilitator in conflict resolution.

- Mediation (U3C7L3:G12) T or F: Arbitration is preferable to mediation in conflict resolution.

- False (U3C7L3:G13) What are the duties of bystanders to prevent violence during conflicts?

- Refuse to spread rumors; refuse to relay threats or insults to others; stay away from potential fight scenes; show respect for others who ignore insults or other trivial forms of conflict. (U3C7L4:Q1) A guest speaker was giving a presentation about guns in schools. He displayed a visual aid, pointed to you, and asked "Guns can only do one of these things. Which one?" Which one should you say?

- Escalate a situation. (U3C7L4:Q2) Read the following passage and select the correct option (A-D). You can help to prevent violence. Broadening your social circle will help you learn about others who are different from you. Remain silent when others use jokes or slurs that target people or groups. Most importantly, respect all people and value differences.

- Replace "Remain silent" with "Speak out" (U3C7L4:Q3) Read carefully the following statement and select the most correct option (A-D). Violence is a way to resolve issues and problems.

- True: It is an unacceptable way, but it can resolve issues and problems. (U3C7L4:G1) T or F: According to the Violence Prevention Profiler, it is important to choose your words carefully when you are angry.

- True (U3C7L4:F2) You just became friends with a new girl in your class that recently moved from a small town to your city. She began telling you how different things were saying that in her old town everyone was the same ethnicity with similar lifestyles. She expressed concern about being around people with different colored skin and thinks they dress in a very odd way. How would you respond to your new friend?

- Encourage her to learn about others' cultures and traditions to better understand them (U3C7L4:F3) Which statement below would not help you prevent violence?

- Be cautious about getting involved in your school and community since you might encounter hate groups. (U3C9L1:G15) _____________ is another name for a trusted counselor or guide.

- Mentor (U3C9L1:G16) An advanced student or graduate gaining supervised practical experience in a professional field is called ___________.

- An intern (U3C9L1:G17) What is an entrepreneur?

-Someone who organizes, manages, and assumes the risk of a business enterprise. (U3C9L1:G18) The Armed Services Vocational Aptitude Battery is also called the ___________.

- ASVAB test (U3C9L1:G19) The ___________ is a test that measures how well you've developed your academic and occupational abilities and the aptitudes that are related to success in different types of jobs.

- ASVAB (U3C9L1:G20) Define "telecommuting".

- The process of working from home by the use of an electronic linkup with a central office. (U3C9L1:G21) Virtual workers are also called ___________.

- Telecommuters (U3C9L1:Q2) You have narrowed down your preferred career choices to just a few. Since you still have a year and a half before you graduate from high school, you search for ways to assess if you would enjoy working in those career fields. Which of the following would give you the least amount of insight into a career field?

- Researching the jobs in the Dictionary of Occupational Titles. (U3C9L1:Q3) A friend of yours was planning her career strategy. She asked you where she could find information on jobs and careers as well as projections for those jobs in the future. Which of the following should you recommend to best help her?

- The Occupational Outlook Handbook (U3C9L1:Q4) Read carefully the following paragraph and select the option (A-D) that best indicates what is described. It is a sequence of actions and behaviors that are associated with work, and relate to your total life experience. It becomes part of your identity, and is really an integration of your personality with your work activities.

- A career

(U3C9L1:G1) Explain the difference between a job and a career.

- A job is short-term work meant to pay bills. A career is a long-term profession that provides income. (U3C9L1:G3) Another name for a trusted counselor or guide is a ____________.

- Mentor (U3C9L1:G4) In planning a career, you should try to match your aptitude with your occupation. Define "occupation".

- The principal business of one's life. (U3C9L1:G6) What is networking?

- Meeting people and making contacts; the exchange of information or services among individuals, groups, or institutions. (U3C9L1:G8) What is an internship?

- An advanced student or graduate usually in a professional field gaining supervised practical experience. (U3C9L1:G12) Which of the following lists the fastest growing jobs in the next few years?

- Computer scientists, database managers, and computer support specialists; computer engineers; system analysts; health care aides; physical therapists; medical assistants; desktop publishing specialists; occupational therapy assistants and aides. (U3C9L2:Q2) While conducting a job search online, you see a job listing that interests you at a company that you have always wanted to work for. The listing details the job duties, pay, and possible benefits, and includes an address for sending resumes. You are qualified for the job and you have experience in most of the duties, but you have had several long breaks between jobs. What type of resume should you send?

- Functional (U3C9L2:Q3) You were reviewing your resume, and it seemed pretty boring to you. You wanted to change some of the language to make it sound more exciting, so you researched action words that would help. Of the following sentences, which one should you include in your resume?

- I created exquisite home furnishings from old, broken furniture. (U3C9L2:F2) You are ready to begin hunting for jobs, now that you have put together a resume

and portfolio. You have a friend who works for a company you would enjoy working for. She puts you in contact with a co-worker in the Human Resources department and you exchange information with the co-worker. What are you doing?

- Networking

(U3C9L4:Q1) You have been accepted to a state university. You are waiting for financial aid information to see if you will receive any assistance. You have been to the university and met with an advisor who gives you an approved degree plan. Which o the following should have the least influence on the schedule you make?

- Your high school GPA (U3C9L4:Q2) You decided that you want to be a mechanic, so you applied and got accepted to a 2-year technical college. In the future, you think you want to get a 4-year degree and be an engineer. What information should you find out about your technical school to help you reach both goals?

- Transfer options (U3C9L4:Q3) You and some classmates were told to find out what the general admission and entrance requirements were for your ideal college. Which of the following do you think is not a requirement?

- Student has applied to various sources of financial aid (U3C9L4:Q4) You were a good student in high school. You graduated with a grade point average (GPA) of 3.83. You applied to several colleges and universities, and you applied for financial aid. To your surprise, part of your college will be paid for, and you won't have any debt when you graduate. You thought you would have to live at home to attend college, but you can now use the money you saved for tuition to pay living expenses. What most likely happened?

-You received several grants and scholarships because of your academic record. (U3C9L4:G1) Another name for distance education is _____________.

- E-learning (U3C9L4:G3) Name two standardized tests that are sometimes required for college entrance.

- American College Test (ACT) or Scholastic Aptitude Test (SAT) (U3C9L4:F1) What is another name for grants-in-aid that are given to a student by a college or university?

- Scholarships

(U3C9L4:F2) All colleges require a four-year degree.

- False (U3C9L4:V2) Choose the word that best matches the definition below. "An institution of higher learning providing facilities for teaching and research, and authorized to grant academic degrees; specifically, one made up of an undergraduate division that confers bachelor's degrees, and a graduate division that comprises a graduate school and professional schools, each of which may confer master's degrees and doctorates"

- University (U3C9L4:V10) Choose the word that best matches the definition below. "Monetary awards based on financial need that do not need to be paid back to the grantor"

- Grants (U3C10L3:Q1) Time management is the process of effectively using organization to gain control of events, conditions, and actions. You practice time management by taking responsibility for how you use your time. Planning your day and building a schedule is how time management helps you reach your goals.

- Replace "organization" with "time" (U3C10L3:Q2) You use a planner to organize your time. You just finished prioritizing your tasks for the day. What should you do next?

- Create an agenda for the day. (U3C10L3:Q3) Study the table and select the option (A-D) that best indicates the described time wasters.

Time Wasters: X. You wait until the last minute to write an essay because you usually felt like doing something else. Y. You frequently miss the bus because you can't find your keys, backpack, lunch, or something else that you need for school.

Z. You regularly forget about assignments. This time, you forgot that you had a biology test tomorrow, and you can't go to a concert with your friends because you have to study.

- X = Procrastination; Y = Poor Organization; Z = Crisis Management (U3C10L3:Q4) A classmate said, "It seems like you do a lot of extra work filling out your planner. Why?" What should you say to make her understand the purpose of time management?

- Because it helps me accomplish more by being organized and motivated to reach my goals.

(U3C10L3:G1) What is time management?

- The process of effectively using time to gain control of events, conditions, or actions. (U3C10L3:G2) What are three common time wasters?

- Procrastination, poor organization, and crisis management (U3C10L3:G5) The act of putting off something that needs to be done is ____________, which is also a major time waster.

- Procrastination (U3C10L3:G6) What is an agenda?

- A list or program of things to be done or considered (U3C11L2:Q1) Personal Financial Planning is a process of defining goals, developing a plan to achieve the goals, and putting the plan into action. Goals should be SMART (specific, measurable, attainable, relevant, and time-bound); plans should be rigid; and putting the plan into action requires restraint and responsibility.

- Replace "rigid" with "flexible" (U3C11L2:Q2) Tim saved his money for three years so that he could buy a car on his 16th birthday. His dad told him, "If you buy the car, then I'll pay the insurance." However, Tim's dad lost his job a month before Tim's birthday, and told him that he couldn't pay for insurance until he got another job. Tim was really mad at his father because he had saved up for three years and now couldn't buy a car. What should you tell Tim about financial planning to help him understand his father's position?

- "You should realize that your wants are secondary to your dad's needs right now." (U3C11L2:Q3) Lisa wanted to buy a new video camera, so she developed her own financial planning process to achieve that goal. She showed it to you to see if you would recommend any changes. You told her that the steps were good, but that you would rearrange the order. How would you recommend she order her steps? Financial Planning Process: 1. Create a Plan 2. Analyze Information 3. Set "SMART" Goals 4. Monitor and Modify the Plan 5. Implement the Plan

- 3,2,1,5,4

(U3C11L2:Q4) Zack made a goal to buy the CD collections of his five favorite musical artists. He wrote his goal on paper and constructed a plan to reach his goal. Of the following steps in his goal and financial plan, which one would you recommend he change in order to best stay on track?

- "I will use all of my earnings from my job until I reach my goal." (U3C11L2:V1) Cash flow

- A measure of the money you receive and the money you spend (U3C11L2:V2) Decision-making

- Process of considering and analyzing information to make a decision (U3C11L2:V3) Opportunity cost

- Choosing one option may mean giving up on another (U3C11L2:V4) Restraint

- The self-control to save your money for a future goal (U3C11L2:V5) SMART Goals

- Specific, measurable, attainable, relevant, time-bound goals (U3C11L3:Q1) Your friend works 60 hours a week for one job in the summer, and 20 hours a week for another job the rest of the year. She spends more money in the summer than in the other months. She has some financial goals, so she asks you to help her start a budget. Since her income and spending varies, which of the following should you tell her to get together before you start?

- Her pay stubs from the previous year (U3C11L3:Q4) You wrote a check for $25 to an auto parts store for new headlights. Unfortunately, you only had $20 in your account. Your bank charged a $25 overdraft fee, and the auto parts store's bank charged you a $25 bad check fee. How much are you actually paying for your new headlights?

- $75 (U3C11L3:G1) A(n) ____________ is a plan for managing money during a given period of time, according to the NEFE program.

- Budget (U3C11L3:G2) ____________ is the total amount of income from your wages or salary before payroll deductions, according to the NEFE program.

- Gross income

(U3C11L3:G3) Net income is also called your ______________, according to the NEFE program.

- Take home pay (U3C11L3:G4) According to NEFE, what is a W-4?

- A federal form that tells the employer how much to withhold in payroll taxes from your earnings. (U3C11L3:G5) According to NEFE, ______________ are expenses that have a set dollar amount and are the exact same amount every time they are paid.

- Fixed expenses (U3C11L3:G6) What in NEFE does "P.Y.F." stand for?

- "Pay Yourself First" - the concept of treating savings, or paying yourself, as a fixed expense that you can make a regular part of your budget (U3C11L3:V1) "A federal tax used to assist in running a program under the U.S. Social Security Administration that reimburses hospitals and physicians for medical care provided to qualified people over 65 years old."

- Medicare tax (U3C11L3:V2) "State tax levied equally on employers and employees; used to pay for state programs."

- State income tax (U3C11L3:V4) "To place a tax on income, property, or goods"

- Taxes (U3C11L3:V6) "Income after all expenses and taxes have been deducted."

- Net income (U3C11L3:V7) "Federal tax levied equally on employers and employees and used to pay for social security programs."

- Social Security tax (U3C11L3:V13) "Expenses that do not vary"

- Fixed expenses (U3C11L3:V10) "Something spent to attain a goal or accomplish a purpose."

- Expenses (U3C11L4:Q1) What is the difference between saving and investing?

- Saving is depositing money into a financial institution and earning interest.

Investing is buying something with the expectation that it will make money for you. (U3C11L4:Q2) The PYF strategy is best for:

- Saving for big ticket items or an emergency fund (U3C11L4:Q4) To gain the most money, you should look for an account that compounds interest:

- Daily (U3C11L4:G2) According to the NEFE program, _____________ is the relationship between time, money, and rate of return (interest), and their effect on earnings growth.

- The time value of money (U3C11L4:G3) __________ is the payment you receive for allowing a financial institution or corporation to use your money, according to NEFE.

- Earned interest (U3C11L4:G4) According to NEFE, what is "compounding" interest?

- The idea of earning interest on interest (U3C11L4:Q3) If you put money into a Certificate of Deposit (CD) you will be penalized if you try to cash it out too soon.

- True (U3C11L4:Q5) Bonds earn money on _______.

- Fixed interest (U3C11L4:Q6) If you buy stocks, you only make money when you sell the stocks.

- True (U3C11L4:V1) "A percentage of ownership in a company"

- Stock (U3C11L4:V2) "The percentage increase in the cost for the same items over time"

- Inflation rate (U3C11L4:V3) "A type of investment that is made up of a variety of stocks and/or bonds to meet a specific investment objective"

- Mutual fund (U3C11L4:V4) "The concept that holds that a specific sum of money is more valuable the

sooner it is received"

- Time value of money (U3C11L4:V5) "Buying something with the expectation that it will make money for you"

- Investing (U3C11L4:V6) “You lend money to a government or a company. In return, the borrower promises to repay you with interest on a certain date.”

- Bond (U3C11L4:V8) “An amount paid in cash or share of stock, based on the amount of stock shares owned.”

- Dividend (U4C1L5:F2) This acronym is designed to help you remember the signs of a suicidal person. What word should be in the "S" spot? S __________ U nsupported I solation C alculated (intentional) I mpulsivity D epression A ttempted previously L ow self-esteem

- Stress (U4C1L5:F3) The acronym "Suicide Prevention" was provided to help you remember key words to assist in preventing suicides. Which statement below is not from the acronym?

- Ignore changes in teenager's behavior (U4C1L5:F4) What is the "10% Improvement Rule?"

- Focus on small gains and celebrate incremental wins toward goal achievement. (U4C1L5:F5) Janet used to get down on herself every time she didn't follow her healthy eating plan. She would think to herself, "I am never going to be able to lose weight!" One day she started changing the words in her head and started saying, "I can do this! I can be healthy and achieve my goals!" What PMA strategy is Janet using?

- Positive self talk (U4C1L5:V1) A Positive Mental Attitude (PMA) is a learned resource that is attained by practicing a variety of perception altering strategies that focus on personal choice and action.

- Agree with definition

(U4C1L5:V3) Suicide prevention is the steps you can take to get assistance to or for someone who you believe is suicidal.

- Agree with definition (U4C1L2:V1) What is the definition of the term "Cadet Challenge"?

- A physical fitness test that consists of five exercises taken from the Cadet Challenge program (U4C1L2:V2) What is a curl-up?

- One of the five events on the Cadet Challenge that consists of a sit-up movement from a lying position up to the point where your elbows touch your thighs (U4C1L2:V3) What is a flexed-arm hang?

- An alternative event for the pull-up in the Cadet Challenge (U4C1L2:V5) What is a pull-up?

- One of the five events on the Cadet Challenge that consists of pulling the body up from a dead weight hanging position on a bar to having the chin clear the bar (U4C1L2:V6) What is a shuttle-run?

- One of the five events on the Cadet Challenge that consists of a 30-foot shuttle run U4C1L2:V7) What is a V-sit reach?

- One of the five events on the Cadet Challenge that consists of stretching a number of inches past an established baseline