lifesmarts questions

High blood pressure is a result of an increase in force against which type of blood vessel?

Arteries; Areterial

What does diastolic blood pressure measure?

Blood pressure between heartbeats; when the heart is at rest

A married couple shares a credit card account. Whom is liable to make payments on time?

Both spouses

What landmark 1950s Supreme Court case made it illegal for public schools to discriminate based on race?

Brown vs Board of Education

How is BMI calculated?

By dividing weight by height

This federal healthcare program provides coverage for low-income children whose parents do not meet qualifications for Medicaid:

Childrens' Health Insurance Programs (CHIP)

Name the two main types of stress:

Chronic Stress Acute stress

What type of currency is not produced at the Bureau of Engraving and Printing?

Coins

Your sister earns a percentage of money each time she sells a home. This monetary payment is called:

Commission

What free or low-cost financial service helps consumers avoid bank- ruptcy?

Credit counseling

This number is assigned to a person and indicates to lenders the person's capacity to repay a loan:

Credit score

Which federal agency issues emergency preparedness plans:

Department of Homeland Security (DHS)

What federal agency issues travel advisories?

Department of State

At home you have a kit with water, nonperishable food, medications, blankets, extra batteries, and other items. What kit is this?

Disaster supply kit

These brokers execute stock trades for as low as $15, but do not offer market advice:

Discount brokers

What is the difference between disposable income and discretionary income?

Discretionary income is disposable income, after all necessary payments are subtracted (housing, food, transportation)

Name one thing students should do if they are being cyberbullied?

Don't engage or respond; save all materials; report threats or harrassment to teacher, parent, or police

What is the difference in how blogs and e-newsletters are distributed?

E-newsletters are sent to mailing lists of specific people, blogs are available to readers and anyone may access them

Name the federal early childhood education program that serves pregnant women and children from birth up to age 3:

Early head start

This extremely rare but highly contagious disease caused a recent epidemic in West Africa:

Ebola

What electronic payment system gives SNAP recipients access to funds using a special debit card?

Electronic benefits transfer

The ability to identify with the thoughts and feelings of others is:

Empathy

What is one goal of the TANF program?

Encourage maintaining a two-parent household; reduce number of out-of- wedlock births; promote job readiness; assist needy families

You make money by endorsing products on your blog. Which federal agency requires you to disclose this to your readers?

FTC ; Federal Trade Commission

You may file a complaint with this federal agency if a seller has violated the Cooling Off Rule:

FTC ; federal trade commission

What federal law bans discrimination in the sale or rental of a home?

Fair housing act

Dorms and shared living spaces often ban hot plates, candles, and small kitcen appliances. Why?

Fire risk

What kind of burn affects only outer layers of skin, causing mild pain and redness?

First degree

Why might a homeowner decide to refinance their property?

Get a lower interest rate; lower mortgage payments; use money for household or living expenses

This federal organization under the Department of Treasury mandates and enforces tax laws:

IRS - Internal Revenue Service

Pathogens trigger what bodily response that sends antibodies to fight illnesses?

Immune response

In order for students to receive special education services they must have an IEP. What does IEP stand for?

Indivualized Educarion Program

Ringworm, Lyme disease, or influenza -- which is not zoonotic?

Influenza

The 1918 pandemic that killed 50 million people worldwide was due to what illness?

Influenza (Spanish Flu) (H1N1)

Payday loans charge high rates of:

Interest

You suspect malware is on your computer. How can security software help you?

It will scan for viruses and spyware; you can delete anything it detects

Appointed in 1993 by President Bill Clinton, who was the first woman to serve as Attorney General of the United States?

Janet Reno

The stove doesn't work in your rental unit. Who do you contact to get it fixed?

Landlord; the management company for your lease or apartment

Name one way that consumers benefit from competition?

Lower prices; better quality; more variety; more innovation; more availability of products; more efficiency

Some file-sharing programs can cause you to accidentally download this type of malicious code onto your computer:

Malware; virus; worms; Trojan horses; adware; spyware; ransomware; rootkits; key loggers

What is one treatment option for anxiety disorders?

Medication; cognitive behavorial therapy; "talk" therapy

This type of scholarship is based on a student's academic achievements or artistic ability:

Merit based scholarship

Economics professor Muhammad Yunus won the Noble Peace Prize for innovating this type of credit:

Microfinance; microloans; microcredit

When two parties compromise on a shared decision, this process is called:

Negotiation

A 17-year-old high school student takes classes at a community college. Who may see the college report card without the student's consent?

No one

Which federal agency regulates podcasts?

None ; podcasts are not regulated

What type of communication style uses gestures and visual cues rather than speech?

Nonverbal communication

Name one danger associated with using social media:

Not anonymous; people can be impostors; sharing personal details is unsafe; cyberbulling; posting something inappropriate could have consequences

Universities that violate the Clery Act may be subjected to fines imposed by which division of the Department of Education?

Office of Civil Rights

How often should a carbon monoxide detector be tested?

Once a month

Banks may charge this fee if you spend more money than what is available in your account:

Overdraft fee

What energy source does aerobic exercise depend on that anaerobic does not?

Oxygen

What type of federal grant is given to students with financial need?

Pell grant

The Fair Housing Act was signed in 1964 by which President?

Preisdent Lyndon B Johnson

Name one way federal funds are used to support Title I schools:

Provide teachers; materials; summer programs; aftershool programs; support in reading and math

What medical field specializes in the treatment of mental health disorders such as anxiety or depression?

Psychotherapy

Name one form of discrimination that is illegal under the Equal Credit Opportunity Act:

Race; gender; color; national origin; religion; age; marital status

What federal aid program helps students pay for school if they are employed part-time in campus jobs?

Work study

Blogs and social networking sites often incorporate RSS feeds. What does RSS stand for?

Rich site summary; really simple syndication

This container, held in a bank's vault, is a place for customers to keep im- portant documents and valuable items:

Safe deposit box; safety deposit box

This monetary sum is like a downpayment, and protects the landlord against damages when the tenant moves out:

Security deposit

Your apartment complex does not allow pets, but allows your neighbor's service dog. Why?

Service animals are an accommodation protected by federal housing laws

Washing hands before eating, sharing utensils, and covering your cough. Which does not help prevent the spread of the common cold?

Sharing Utensils

What type of election is held to replace an elected official who dies, resigns, or is impeached while in office?

Special Election

You want to teach children with disabilities. Typically you will need a college degree in:

Special education

To be diagnosed with depression you must have symptoms for this many weeks:

Two

Name one type of credit- related information found in a person's credit report:

Types of loans; age of loans or accounts; opened or closed accounts; payment history; bankruptcy or foreclosures

In conflict resolution, is the ideal mediator unbiased or opinionated?

Unbiased

How is eligibility for Head Start determined?

Using poverty guidelines established by the federal government

Name two ways to stop the spread of the common cold:

Wash hands before eating; disinfect shared spaces or surfaces; do not share cups or utensils; cover coughs and sneezes; stay home if ill; drink fluids and rest if feeling sick

Homes built during which decade are more likely to contain lead-based paint: 1970s, 1980s, or 1990s?

1970s

Federal law forbids employment-based age discrimination against those this age or older:

40

In political terminology, what is a delegate?

A person chosen to represent their city or state at a national politcal convention

To begin direct deposit of your paycheck, you will give your employer these two bank numbers:

Account number, routing number

Independent agencies validate colleges and universities. What is this process called?

Accreditation

Software that collects information about you, in order to tailor ads for you, falls into this category:

Adware

Are weight training, jumping, and sprinting aerobic or anaerobic?

Anaerobic

How many times per year can you get your credit report for free?

Annually; once from each of three credit reporting agencies

What does the first number in a blood pressure measurement represent?

Systolic blood pressure; blood pressure when the heart beats

Psychotherapy relies on this for relief and progress:

Talk; therapeutic talking

What is the more common name for a lessee in a lease agreement for rental property?

Tenant

What U.S. agency enforces federal policies about discrimination in the work place?

The U.S. Equal Employment Opportunity Commission (EEOC)

If you cannot pay your mortgage, what might happen to your home?

The bank can legally take it; they can foreclose

What is the colloquial name for the Federal Reserve Bank?

The fed

Name one of the main reasons teens give in to peer pressure:

To fit in; to be liked; to not be left out; not be made fun of

This government program provided bailouts in 2008 to offset the na- tion's financial crisis:

Troubled Asset Relief Program (TARP)

t or f- When buying a used vehicle, it saves money for the consumer to request that the dealership give the car a thorough inspection before the sale is complete

false- Before completing the sale it is a good idea to have any vehicle inspected, but use an independent source to get a non-biased assessment of the vehicle.

t or f- Once you have decided on the vehicle you want to purchase and have negotiated the price, go to the bank or credit union to discuss financing

false- Before you enter a dealership, discuss financing with the financial institution. Ask about the type of loan, how much interest you'll pay, and the terms of the contract. Know what price point you can afford and the total cost if you finance through your financial institution.

t or f- When buying a vehicle, one of the most important parts of getting a "good deal" is making sure the monthly payments are affordable

false- Car buying experts advise that the "good deal" is based on negotiating the total vehicle price. The monthly payment can be determined and adjusted after the price is agreed upon.

t or f- The invoice price tells exactly what the dealer paid for the vehicle.

false- Car manufacturers create incentives and purchase programs for car dealers. These incentives can change the dealer's price, but the invoice gives the buyer a good indication of the approximate cost

t or f- When a trade-in is part of a vehicle purchase, the dealer will offer the best price for the trade-in because they want to make a sale

false- Consumers should always check "book value" for their trade-in before they negotiate. There are a number of website that offer calculators to help estimate a vehicle's worth; examples include Edmunds, Nada Guides and Kelley Blue Book.

t or f- One of the first steps in the vehicle buying process is to discuss the amount of your monthly payments with the salesperson.

false- Discuss the monthly payment schedule only after you have negotiated the final price of the vehicle. Monthly payments do not reflect the total purchase price.

t or f- Purchasing a used car can save the consumer an average of 25% in overall ownership and operating costs.

false- Purchasing a used car can save the consumer an average of 25% in overall ownership and operating costs.

t or f- The Federal 3-Day Cooling Off Rule applies to new, not used vehicles.

false- The 3-Day Cooling Off Rule does not apply to any vehicle purchase; it is primarily for items you purchase in the home.

t or f- Invoice price and base price are identical

false- The invoice price is the manufacturer's price to the dealer. The base price is the price of a vehicle with standard equipment, no options or upgrades.

t or f- The consumer does not buy cars every day, but they do have the most important negotiating "tool."

true- As expert Jack Gillis says, the consumer's most effective bargaining tool is the 180- degree turn and walk away. If the buyer feels uncomfortable or feels they have been treated with disrespect, they can leave the dealership.

t or f- One should investigate insurance costs before making a final decision to purchase a vehicle.

true- Experts recommend getting estimates from three different insurance companies. For teens, insurance is a significant expense

t or f- When buying a vehicle, begin your negotiations with the invoice price

true- The invoice price is close to the price the dealer paid the manufacturer. The dealer may receive additional incentive from the manufacturer, but buying a vehicle for close to invoice price is good negotiation

t or f- Focusing only on the monthly payment could result in paying too much for a vehicle

true- The monthly payment is not a true indicator of the cost of the car and never the price to negotiate.

t or f- The largest cost factor when owning a new vehicle is depreciation.

true- Typically, the most expensive cost of car ownership is the first year of depreciation. While the average is a 20% loss of value, some vehicles lose up to 40%.