Aim: How can I prepare for my Final Exam?

You need to bring a #2 pencil both days!

1.) What are ethics?

• Ethics is the rules of conduct recognized in respect to a particular class of human actions or a particular group, culture, etc.: medical ethics; Christian ethics.

• moral principles, as of an individual: His ethics forbade betrayal of a confidence.

• study of values, of how we ought to live• Denotes systematic, rational reflection upon a

particular behavior.

2.) What is a need?

• A need is something you must have in order to survive.

• Examples: Food, Shelter, Appropriate Clothing, Water, Air

3.) What are values?

• Values are ideas beliefs and feelings about what is important to you

4.) What is a resource and what are the types of resources?

• A resource is anything that can help you to accomplish something.

• There are 2 types of resources: Human (any human being that can help us) or Material (anything other than a human being that can help us.)

5.) What are the methods to determine housing costs?

• There are 2 methods:– Gross ANNUAL income x 2.5– Gross ANNUAL income divided by 60

6.) What is a money market account?

• A Money Market account is a type of savings account.

• Usually offers a higher rate of interest than a traditional account because the bank requires a minimum balance of $2500 and in some cases $10,000

• It is insured by the FDIC

7.) What is Self Concept?

• Self Concept is the picture you have of your self and the way you believe other people see you

8.) What is an associates degree?

• An associates degree is achieved generally after 2 years of college work. It means that you have earned 60 credits in a specific area of concentration.

9.) Describe the characteristics of a person with low self esteem.

• A person with low self esteem– Does not take risks– Does not believe in themselves– Does not like who they are– Feels defeated before they even try

10.) What is a short terms goal and give 2 examples for someone your age• A short term goal is a goal that can be

achieved with in one year.• Two examples– Getting an A on a research paper in science this

week– Passing Independent Life Skills

11.) What is a want?

• A want is something you desire; something that would make life more enjoyable

12.) What is a vegan?

• A vegan is a stricter form of a vegetarian.• A vegan will not eat meat, fish or poultry. In

addition they will not use eggs, honey or milk and they will not wear leather or wool. They take nothing from an animal

13.) What are the major differences between a debit and credit card?

• Debit cards are linked to your account (savings or checking)– There is never a bill, never a late charge, never a finance

charge. – Difficult to overspend.

• Credit cards are a loan.– Bills come once a month, you must pay the minimum

amount BY THE DUE DATE to preserve your credit.– Late payments and missed payments can damage your

credit rating– Makes it easy to overspend

14.What is a long term goal? Give two examples for someone your age

• A long term goal is a goal that will take 10 or more years to achieve it.

• For someone your age: buying a house, being a grandparent

15.) What is subleasing?

• Subleasing is renting your apartment out to another person who will pay the landlord. The name on the lease remains yours

• All subleasing agreements but be approved by your landlord

16.) What is My Plate?

• My Plate is the new version of My Pyramid that is designed to help us make better food choices. The recommendation is now that half the plate be fruits and vegetables and less than a ¼ of the plate be LEAN protein, a bit more than ¼ be WHOLE grains and off to the side, dairy products – ideally fat free.

• Each food group has recommended serving sizes for the day in each area, broken down by age and gender

17.) What do you need to open a checking account?

• You need to be at least 18 years old• You must have a social security card, a

government issued picture ID and money to deposit

18.) Name four universal values to most cultures.

• Universal values are values that the world holds to be important

• Examples:– Respect– Honesty– Responsibility– Caring– Freedom – Courage

19.) What is a protein? Name 3 sources

• A protein is a nutrient used to build repair and maintain body tissue.

• It is made up of amino acids• Three Sources:– Meat– Fish– Poultry– Tofu– Eggs

20.) What is heredity? What is environment?

• Heredity are traits and characteristics from your blood relatives

• Environment is everything around you . It includes people, places and events

21.) What are the steps of decision making?

• Step 1: Identify the problem.• Step 2: Brainstorm possible solutions.• Step 3: Explore and evaluate possible

solutions.• Step 4: Make a decision, plan and act on the

decision.• Step 5: Evaluate results of the decision and

accept responsibility for results of the decision.

22.) What is a decision?

• A decision is the simple act of making a choice

23.) What is verbal communication? Give 3 examples • Verbal communication is any sound that comes

from your mouth• Three examples:– Talking– Singing– Beat boxing– Rapping– Yelling– Yodelling

24.) What are the advantages and disadvantages of renting?

Advantages:– Convenience– Allows for easy mobility –

can move when the lease is up

– Don’t have to worry about selling the property

– Don’t have to worry about the value of the property increasing or decreasing

– Easy to budget because costs are known – no surprise expenses

• Disadvantages:– Don’t own anything– Can’t make any structural

changes with out landlord presents and in agreement

– Requires first and last months rent + security deposit

– Have the sign a lease which prevents you from moving until it expires

25.) What is the daily serving of Grains?

• Daily serving of grains is 8ozs for male and 6 ozs for females

26.) If you are going to school part time what does that mean?

• If you are going to school it means that you are taking LESS THAN 12 credits.

27.) What is a vegetarian?

• A vegetarian is someone who does not eat meat, fish or poultry.

28.) What can a vegetarian substitute for meat fish or poultry in the Protein Group?

• A vegetarian can substitute eggs, dry beans, peanut butter and tofu in this group to get enough protein.

29.) Which method is used to determine if you can afford a house? • You need to use the following method to

determine that maximum amount you can afford to spend on a house:– Gross x 2.5– For example:• 100,000 x 2.5 = $250,000

30.) What is a fat? Name 3

• Fats are concentrated forms of energy• The body uses it for growth and healthy skin.• It makes food taste better and makes you feel

full after eating.• Helps to carry certain vitamins throughout the

body.• Butter, margarine, egg yolk, shortening, oil,

sour cream, salad dressing

31.) What is a security deposit?

• Is a sum of money, usually one month’s rent, paid by the tenant before moving in.

• Used to cover possible damages• When you move out the owner will return

your security if the terms of the lease have been met

• The owner can keep all or part of the deposit to cover any damages

32.) What is the difference between a condo and a co-op?

• A condo is an individually owned housing unit in a multiunit structure. A monthly maintenance fee is paid for the upkeep of common areas. Can be sold without approval of the other owners

• A co-op is an apartment building owned by and operated for the benefit of those who live there. A monthly fee is charged for repairs and maintenance. The unit can not be sold to an outside party. The board decides who can live in the co-op.

33.) What is a junior college?

• A junior college is a 2 year college. The highest degree offered is an associates degree (60 credits)

• Often referred to as a community college

34.) What are the types of decisions?

34.) How is obesity defined?

• Obesity is defined as being 30 or more pounds OVER you normal body weight as determined by your doctor

35.) What causes conflict and how can it be resolved?

• All of the following can potentially cause conflict:– Opposing viewpoints - miscommunications– Emotions -misunderstandings– Selfishness -assumptions

• It can be resolved by:– Negotiation and/or mediation– Compromise

How much exercise should you be getting on a daily basis?

• A minimum of 30 minutes• Ideally 60 minutes per day

37.) What is a lease? Why is it important?

• A lease is a legal agreement between an owner and a renter.

• It outlines your rights and responsibilities• It covers a specific period of time, usually 1 year• It is important because it protects the rights of

both parties. As a renter especially it prevents an owner from raising your rent. As an owner it prevents a renter from moving out before the lease is up

38.) How can I find a job?

• A variety of methods can be used depending on the job you are seeking:– Classified Ads– Internet– Personal Contacts– Store windows– Television

39.) What are the major sections of a resume?

• Contact information – your personal info• Objective – what kind of work do you want• Educational Background – from high school

forward• Work history – in reverse chronological order• Special Skills - only list if you are proficient• Awards – got a plaque or ribbon or certificate ?• Interests – what do you do in your spare time• References – at least 3 name, address phone

40.) How many ounces of Protein should we be consuming each day?

• Based on My Plate we need:– 6 ½ ozs for males– 5 ozs for females

41.) What is a vitamin? Name 3

• Is referred to as a micronutrient – needed in very small amounts

• Trigger many body processes; They work like spark plugs – they set off chemical reactions

• Each vitamin regulate a different process – they are very specific and you can not substitute one for another

• Examples: vitamin A,B – COMPLEX, C, D, E, K

What is non verbal communication? – 3 examples

• Non verbal is communicating WITHOUT sounds from your mouth

• Uses hand gestures, facial expressions and body language and written forms of communication

• Examples: letters, frown, smile, wave, tapping you pen, email

42. ) What is the difference between a public and private college?

• A public college is often cheaper because they obtain a portion of their operating costs from the state

• A private college is often more expensive because they obtain money for their operating expenses from fees and tuition

43. What is an interest?

• An interest is something you like to do in your spare time.

What is APR?

• APR stands for Annual Percentage Rate and refers to the interest a bank pays or the finance charge that a bank charges your to borrow money.

• 18% APR is 18 % PER YEAR• Monthly APR: Take the APR and divide by 12 =

1.5%

44. What is a mineral? Name 3

• A mineral is a micronutrient which in needed in small quantities. It asks like a spark plug setting off chemical reactions. It is essential to bones and internal organs

• Examples:– Iron Manganese– Calcium Zinc– Sodium Potassium– Magnesium

45. What is fiber? How much do we need?

• Fiber is plant material that we cannot digest. It is important to our diet because it helps to clean out your intestines.

• We need 20g to 30g PER DAY! (sadly, most Americans get about 10g!)

46. What is a mutual fund? What is the benefit to the investor?

• A mutual funds are professionally managed portfolios made up of stocks, bonds, and other investments.

• Allows small investors to take advantage of professional account management and diversification normally only available to large investors.

WHAT STEPS CAN YOU TAKE TO PREVENT IDENTITITY THEFT?

• To prevent identity theft you can– Keep PIN #s safe– Shred documents with your name, address or

personal info– Never carry you social security card in your wallet– Make sure that internet sites are secure before

inputting sensitive info

47. In what ways does housing satisfy your physical needs?

• Should provide shelter from the elements• Space to prepare and eat food• Adequate, comfortable space for sleeping• Space for your personal belongings

48. What are some common issues involving roommates?

• Some common issues involving roommates are– Chores - who is responsible for what– Food and Supplies – sharing or buying your own?– Finances – how will you divide rent, utilities, etc– Disturbances – how late can guests stay, who can stay

over, quiet time?– Shared Items – who gets 1st crack at bathroom, phone,

computer, etc and how long is it acceptable for you to tie these items up?

49. Who determines the serving sizes listed on products?

• The manufacturer determines the serving size listed on a product. In determining that size, all of the corresponding nutritional information is based on that size. If you eat more you have adjust accordingly.– For example a serving size is ½ cup of ice cream and

that ½ cup is 350 calories. If you decide you LOVE ice cream and eat 1 ½ cups (3 times the serving size!) you have to multiply everything by 3. Therefore, you have eaten 1050 calories not 350!

50. What does it mean when a college tells you a class is 3

credits?• This means that the class will be meeting for 3

hours each week for 15 weeks

51. If you are going to school full time, what does that mean?

• That means that you are taking a full course load or 12-15 credit usually

How do you resolve a roommate conflict?

• Try talking first• Go to the RA• Request a room change

52. What does a vegetarian have to be careful to do?

• A vegetarian has to be careful to get enough complete protein in his/her diet

• Since they are not eating meat, fish or poultry they have to combine foods (rice and beans or peanut butter and bread for example) or eat eggs or drink milk

53. To what does room and board refer?

• Room and board refers to your living arrangements at school. It means that you are going away to school and living in campus housing. Room is the cost of your housing and board is the cost of your meal plan

54. What is the FDA?

• The FDA is the food and Drug Administration who is responsible for monitoring our food, requiring nutrition fact labels, monitoring dietary supplements and also helped establish My Plate

How do you calculate the monthly finance charge if you are given the

APR?

• You take the APR and divide by 12• 18% APR = 1.5% monthly (18/12=1.5)

55. Rank the various degree in order from easiest to get to the most difficult.

• Associates Degree – 2 years, 60 credits• Bachelors Degree – 4 year, 120 credits• Masters Degree – Bachelors+ 2years+exam or

dissertation• Ph.D. – Masters+ 2 years + dissertation – 10

year maximum to write dissertation• Professional Degree (M.D., J.D.) –Varies by

degree

56. Why would someone go to technical school?

• Someone would go to a technical school because of its emphasis on education or training in a technical field.

• These programs often lead to a certificate or license– Cosmetology– Automotive repair– Medical technicians

57. What is a transfat?

• Basically, trans fat is made when manufacturers add hydrogen to vegetable oil--a process called hydrogenation. Hydrogenation increases the shelf life and flavor stability of foods containing these fats.

• Look for “hydrogenated” or “partially hydrogenated” to determine if a food has transfat

• Trans fat, like saturated fat and dietary cholesterol, raises the LDL cholesterol that increases your risk for heart disease.

58. What factors should be considered when choosing housing?

• The factors to consider are– Income– Location• Job• Lifestyle

What is conflict?

• Opposition• a clash of opposing ideas• disagreement• fight or battle• contention, hostility

59. What does eviction mean?

• Eviction is a legal procedure that forces a tenant to leave when you are forcibly removed from your rental housing.

• You can be evicted for nonpayment of rent or violation of the terms of your lease

60. When moving into an apartment, how much do you usually have to give the landlord?

• When moving into an apartment the landlord usually expects first and last months rent PLUS the security deposit.

• So if you rent an apartment for $1200/month you need to give the landlord – 1200 + 1200 + 1200 = $3600 before you even

move in!

61. What is a calorie?

• A calories is a unit of measure of the energy in a food or the amount of energy used in an activity.

62.) What is a complex carbohydrate?

• A complex carbohydrate is a starch.• They are found in all vegetables, fruits,

breads, crackers, pasta, cereals

63.) What is aerobic activity?

• Aerobic activity is an activity that raises your heart rate to 60% of it’s maximum for a minimum period of 20 minutes.

64. What is a complete protein?

• A complete protein is a protein that contains all 9 essential amino acids.

• All sources of food from an animal is complete• Plant sourced proteins are incomplete and

MUST be combined: rice and beans, peanut butter and jelly

65. How much physical activity should someone get each day?

• The minimum amount of physical activity someone should get on a daily basis is 30 minutes.

• Ideally the activity will be at least 60 minutes

66. What causes type 2 or adult onset diabetes?

• Type 2 or adult onset diabetes is strictly diet driven. Poor eating habits are a major contributing factor.

• Change the diet the diabetes goes away!

67. How much water should you be consuming each day?

• The minimum amount of water is 8 – 8oz glasses of water (64 ozs)

• Ideally, get on the scale. What you weigh in pounds is what you should drink in ozs.– If you weigh 120 lbs, you drink 120 ozs.– If you are 90 lbs – drink 90 ounces.

What are “I” statements vs. “you” statements?

• “I” statements take ownership of the feelings you are expressing

• You statements are accusatory and give power over you to the other person.

• Using “YOU” is perceived as a personal attack and puts the other person on the defensive

How many national credit cards are there? How are they different

from store cards?

• There are 4 national cards (visa, mastercard, american express and discover)

• They are different from store cards because they can be used anywhere the cards are accepted. Store cards are limited to that particular store

What is communication?

• Communication is the sending of and the receiving of messages from others

How does housing satisfy your psychological needs?

• Security• Familiarity – stay in the same neighborhood

you grew up in• Beauty – in the eye of the beholder• Privacy – a place to call your own• Self-Expression – location, decor

What is identity theft?

• Identity theft refers to the practice of using someone else's "personally identifiable information" to receive goods, obtain services, or conduct business.

69. Of what do you have to be careful when using email?

• Be careful that all email is appropriate• Use proper spelling, grammar and

punctuation• Avoid emoticons• Sensitive or personal information should

never be included in an email• Email is not secure• Employers can read your emails• Emails can be subpoenaed in court and USED

AGAINST you.

70. What do the use of “I” statements do?

• You are taking ownership of your feelings• Using “YOU” is perceived as a personal attack

and puts the other person on the defensive• Using “I” Statements allows you to discuss the

situation

72. What are the ways to look for a job?

• Internet• Help Wanted section of Newspaper• Employment Agency • Television• Store windows• Guidance Counselor• College Career Placement Office• Family/Friends

What are the rules regarding cell phone use?

• 1. When a Private Conversation Isn't Possible. • 2. Lights Out, Phone Off• 3. Modulate Your Voice. • 4. Observe the 10-foot Proximity Rule. • 5. Keep It Short. • 6. Love the One You're With. • 7. Drive Now, Talk Later. • 8. Use Common Sense. Turn off your phone before a job

interview, presentation, or boardroom meeting. Leave it off at funerals, weddings, or anyplace a quiet atmosphere is mandated, such as a courthouse, library, museum, or place of worship.

Under what circumstance would you not get your security deposit

returned?• Your security deposit will not be returned if– You damaged the apartment including putting

holes in wall for pictures, torn or stained carpet– You did not clean the apartment to the standards

set forth by the landlord