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Independent Living CAP Exam
It is best to try to accomplish all your goals at the same time so that you do not forget about any of them. correct answer False If you do not know the difference between your needs and your wants, you may find it difficult to set priorities. correct answer True As you get older, your priorities may change. correct answer True Identifying priorities is a waste of time because things change so quickly in life. correct answer False The ability to set and meet goals is a basic tool for managing your life. correct answer True Breaking down long-term goals into short-term goals makes them seem more manageable and attainable. correct answer True Most high school students have the same priorities, such as making friends and doing well in sports. correct answer False It is important to set realistic goals so that you do not become overly discouraged and give up. correct answer True You decide which of your goals are most important to you and work on those first. What is this process called? A) Being Creative B) Prioritizing C) Being Flexible D) Creating a Contingency Plan correct answer B) Prioritizing What type of goals are often tied to specific dates over which a person has no control.
A) Finite Goals B) Fixed Goals C) Flexible Goals D) Resource Goals correct answer B) Fixed Goals When you prioritize your goals, which of these items should you consider? A) Your Stage in Life B) Your Values C) Your Interests D) All of the Above correct answer D) All of the Above William always spends Sunday evenings with his family, helping make dinner and playing games afterward. What conclusion can you draw? A) William values his relationship with his family. B) William knows how to prioritize his goals. C) William has few friends. D) William does well in school and is planning for college. correct answer A) William values his relationship with his family Which of these is an example of a short-term goal? A) Going to a technical school after high school. B) Buying a present for your mother's birthday tomorrow C) Joining the swim team next year D) Owning a home by the time you are thirty. correct answer B) Buying a present for your mother's birthday tomorrow What kind of resources are schools, libraries, hospitals, and parks? A) Community resources B) Human resources C) Material resources
A) one who uses creative problem solving to manage resources wisely B) one who has a wide range of skills, such as being good at sports and school C) one who is able to communicate well with others and is a good leader D) one who can develop and categorize short-, medium-, and long-term goals correct answer A) one who uses creative problem solving to manage resources wisely What kind of resources are shop tools, a lawn mower, and a sewing machine? A) community resources B) human resources C) material resources D) natural resources correct answer C) material resources One factor that influences the choices you make is your attitude. correct answer True What cultural traditions have a strong influence on the choices we make, very few people are influenced by the societal expectations. correct answer False When trying to determine whether a decision is ethical, a good idea is to ask yourself which choice will have the most positive consequences for the most people. correct answer True Every choice has consequences that can be positive, negative, or a combination of both. correct answer True Practical problems are often simple, involving several different issues with no clear way to deal with them. correct answer False Annie drinks alcohol at a party because others encourage her to do so. What is this an example of? A) negative peer pressure B) positive peer pressure C) reactive peer pressure
D) societal influence correct answer A) negative peer pressure Which of these is NOT a factor that influences people's choices? A) society and culture B) the media C) economic factors D) the REASON process correct answer D) the REASON process What process can you follow to help you make the best choices in specific situations? A) analysis and evaluation process B) rational process C) evaluation process D) decision-making process correct answer D) decision-making process Which of these shows that you have considered the possible consequences of your decision? A) You let your friends persuade you to ride with someone who doesn't have a driver's license B) You forget to pick up your younger brother after school C) You accept a new job without letting your parents know about it first. D) You talk to your parents about how getting a new job might affect the family. correct answer D) You talk to your parents about how getting a new job might affect the family. What is true about thinking positively? A) You will think more positively if you surround yourself with others who think positively. B) Finding humor in everyday life will help you think more positively C) Thinking positively can reduce stress and keep you healthier. D) all of the above correct answer D) all of the above Why is it important to identify the primary problem before you try to determine a solution? A) When there are several issues involved, it can be difficult to recognize the primary problem.
Leaving unpleasant tasks to the end can sometimes help you avoid procrastination. correct answer False Learning how to say no is one way to avoid over scheduling activities. correct answer True Good time managers make certain that they include time for relaxation in their schedules. correct answer True Max was asked to be in charge of the homecoming pep rally, but said no because he realized he simply did not have the time. What was Max trying to avoid? A) procrastinating B) dovetailing C) missing a deadline D) over scheduling correct answer D) over scheduling What is a likely result of over scheduling? A) You complete your to-do list in record time. B) You feel overwhelmed and stressed out. C) You learn to budget your money more effectively. B) Your level of confidence and self-esteem increases. correct answer B) You feel overwhelmed and stressed out. What is the primary advantage of dovetailing? A) It can help you spend your money more wisely. B) It can encourage you to relax and refresh yourself during leisure time. C) It can help you save time. D) It can help you establish your priorities. correct answer C) It can help you save time. What is meant by the term "balanced budget"? A) total income is less than total expenses B) total income is equal to total expenses
C) savings are greater than total expenses D) savings are less than total expenses correct answer B) total income is equal to total expenses When should you update your to-do list? A) on a regular basis B) intermittently C) every morning when you first get up D) annually correct answer A) on a regular basis Jim cooks chili for lunch on Saturday. While the hamburger is cooking, he dices the tomato. What time- saving strategy is he using? A) overscheduling B) dove tailing C) setting high goals D) budgeting correct answer B) dove tailing You are anxious to avoid time traps. What time-tested strategy would probably be helpful? A) Organize your time as you go along. B) Always completely finish one task before starting another one. C) Be realistic about what you can accomplish. D) Always stick to your schedule, even when unexpected events occur. correct answer C) Be realistic about what you can accomplish. You must register for the hockey team no later than September 15. What is this an example of? A) deadline B) procrastination C) to-do list D) over scheduling correct answer A) deadline
D) reduce your income correct answer C) reduce the amount of your flexible expenses Which of these is an example of income? A) money you place in savings B) money you spend on movies C) money from your allowance or paycheck D) money you give to your brother correct answer C) money from your allowance or paycheck What is the best way to save money? A) by treating it like any other income B) by decreasing your income C) by increasing your fixed expenses D) by treating it like any other expense correct answer D) by treating it like any other expense Managing new technology requires patience and wise consumer choices. correct answer True You should always update to a new version of a product to take advantage of the latest technologies. correct answer False A key strategy involved in critical thinking is distinguishing fact from opinion. correct answer True Biased information is more likely to be accurate than unbiased information. correct answer False Information overload can make it easier to make a decision. correct answer False Plagiarism is illegal because it violates copyright law. correct answer True Which of these is an example of a health care technology? A) ultrasound
B) clothes dryer C) global positioning system D) smoke detector correct answer A) ultrasound Which of these is an example of a transportation technology? A) ultrasound B) clothes dryer C) global positioning system D) smoke detector correct answer C) global positioning system Which of these is an example of a personal productivity technology? A) ultrasound B) clothes dryer C) global positioning system D) smoke detector correct answer B) clothes dryer Faxes, e-mail, and voice mail are all examples of what type of technology? A) communication B) transportation C) wireless D) manufacturing correct answer A) communication Rita works on an assembly line in a factory. Lately, she has been hearing that the company is going to purchase a robot to do her job. What kind of a drawback of technology is this? A) privacy issue B) job security issue C) buying decision D) health consideration correct answer B) job security issue
C) It decreases the amount of leisure time people have. D) all of the above correct answer A) It helps people live more comfortably. What is not a benefit of technology? A) better health care B) faster communication C) longer daylight hours D) more personal productivity correct answer C) longer daylight hours Natasha works at job where she spends 7 hours a day sitting at a computer. She has begun having jabbing pains in her right wrist. What kind of a drawback of technology is this? A) privacy issue B) job security issue C) buying decision D) health consideration correct answer D) health consideration Alberto is learning to use a new software package. He is taking his time and learning a few new skills each day. What strategy for using technology is he following? A) be patient B) maintain healthy work habits C) Maintain interpersonal relationships D) protect your privacy correct answer A) be patient What word is used to describe technology that is out of date and no longer useful? A) obsolete B) unhealthy C) unreliable D) copyrighted correct answer A) obsolete
Consumers have responsibilities, but no rights. correct answer False When obtaining information about a product from salespeople, it is important to be aware that they may be more interesting in making a sell than in giving accurate or unbiased information. correct answer True Consumer protection is provided at the federal, state, and local levels by agencies set up to enforce the law. correct answer True A pyramid scheme generally begins when someone gains access to personal information, such as name, address, date of birth, and Social Security number. correct answer False A chain letter is a type of Ponzi scheme. correct answer False Mabel is getting calls and notices from a credit card company that she does not recognize. What is she most likely the victim of? A) mail fraud B) pyramid scheme C) internet fraud D) identity theft correct answer D) identity theft Which of these is not a good way to protect your identity? A) Change your passwords frequently. B) Provide personal information over the phone. C) Keep items with personal information locked away. D) Destroy financial documents by shredding them. correct answer B) Provide personal information over the phone. You get a phone call asking you to subscribe to a news magazine. What is this an example of? A) Ponzi scheme B) telemarketing
B) People pay a fee to join and then recruit others who also pay a fee and bring in even more participants. C) Consumers are pressured to accept offers that telemarketers say are only good for a very short time. D) Investors are promised high profits from fake sources; early investors are paid off with funds from later investors. correct answer D) Investors are promised high profits from fake sources; early investors are paid off with funds from later investors. What is Identity Theft? A) using someone else's credit cards B) telemarketing for future consumers C) the illegal use of an individual's personal information for fraudulent purposes. D) the use of a person's individual personal information with permission correct answer C) the illegal use of an individual's personal information for fraudulent purposes. Identity Theft can happen by all of these EXCEPT A) stealing your wallet or purse with your personal information B) protecting all passwords as best as you can C) watch over your shoulder at an ATM machine D) hack into your social media accounts and steal person information correct answer B) protecting all passwords as best as you can If you suspect your identity has been stolen, what should you do FIRST? A) contact the 3 major credit reporting agencies (Equifax, Experian, and TransUnion) B) choose 1 of the major credit reporting agencies C) call the police D) cancel all accounts correct answer A) contact the 3 major credit reporting agencies (Equifax, Experian, and TransUnion) Identity theft is just one example of fraud. What is fraud? A) deceitful language B) deceitful language for personal gain
C) lying to your family members about your credit card use D) stealing correct answer B) deceitful language for personal gain As a consumer, you must protect yourself. Help yourself not become a victim by A) Do not believe all claims B) Ask for details in writing C) Ask for the phone number of the company D) Use the internet to educate and protect yourself E) all of the above correct answer E) all of the above Secure your home wireless network by A) making it password protected B) only allow close neighbors and friends to use C) leaving it open for all to use D) making it easy to identify by it's router name correct answer A) making it password protected After you have contacted the major credit reporting agencies, all of your account companies, & other creditors, what's the last step when you are a victim of ID theft? A) call the police B) call the FDA C) email the local city D) call the Better Business Bureau correct answer A) call the police Internet fraud can include A) Ponzi schemes B) telemarketing calls C) chain letters and pyramid schemes D) deleting unknown emails correct answer C) chain letters and pyramid schemes
B) home C) life D) auto correct answer A) health How would you define the term "finance charge"? A) amount of money your stocks and bonds earn for you B) any interest charges and additional fees, such as late charges, on a credit card C) information that companies can obtain from an individual's credit report D) compound interest you get on money in a savings account correct answer B) any interest charges and additional fees, such as late charges, on a credit card What is a grace period? A) time period during which payment can be made without incurring any finance charges B) maximum amount of credit that a creditor will give you C) an incentive, or reward, for using a particular credit card, such as getting frequent flyer miles D) annual fee for having a specific credit card correct answer A) time period during which payment can be made without incurring any finance charges Why is it important to use credit responsibly? A) to protect yourself from fraud B) to avoid getting into significant credit card debt C) to build a good credit history D) all of the above correct answer D) all of the above You have applied for a credit card at a department store. What is the store likely to check when determining whether to issue you a card? A) your savings account balance B) whether you own any stocks or bonds C) your credit report D) whether you pay federal income taxes correct answer C) your credit report
What do you call interest that is calculated both on the money in the account plus the interest you have previously earned? A) simple interest B) compound interest C) invested interest D) mutual fund interest correct answer B) compound interest You want to invest your money in a way that is highly diversified. Which of these investment options would be the best choice? A) CDs B) bonds C) stocks D) mutual funds correct answer D) mutual funds Which of the following is a good basic rule for investing? A) Diversify and balance your investments. B) Invest in companies that are relatively unknown and unproven. C) Start investing as soon as possible, even if you need to let debts accumulate. D) all of the above correct answer A) Diversify and balance your investments. What agency collects federal income tax? A) Medicare B) FICA C) IRS D) W-2 correct answer C) IRS When working in a factory, you may get paid by the amount of product you produce. What is this called? A) piecework
