HDFS 3342 Final Exam

According to Foa's model, where would you place a college education? Pick the number where you would place it on the graph

1

At age 65, a spouse who did not work outside the home for pay will be eligible to receive retirement benefits of what percentage of their husband/wife's benefits?

50%

One of the challenges for low-income family budgets is that money spent on basic living expenses represent

7 out of 10 dollars

The approximate percentage of funding for public schools that come from Federal Government is:

8%

According to conflict theory, conflict occurs because

All the above are reasons according to conflict theory as to why conflict occurs

If a family has a surplus from their budget, it is important that they consider all of the following EXCEPT:

Are family goals and standards of living too high?

If a family is struggling to make ends meet, how will their needs differ from the family who is financially stable?

Basic needs to families who are struggling may not be met or may make up a higher percentage of their income than financially stable families

How would a symbolic interactionism be used to explain decision making in families?

Behaviors such as decision making are based on meanings that family members have created towards objects, events, the situation, and possible actions that could be taken. These meanings are created from interactions with others.

Unemployment affects employee benefits in all of the following ways EXCEPT:

Benefits are not important factor in considering a job offer as these would not provide resources as effectively as a higher salary

Which two factors complicate inheritance?

Emotions and expectation by family members about how resources should be divided; tax laws are often complicated and unfair

meeting individual or family needs automatically means that the needs of society will be met

False

According to the online tax receipt, the largest federal expenditure of 2014 income tax dollars was on:

Health Care

How does the decline of volunteerism threaten social resources?

Individuals and families who do not see the value of participation in civic organizations and volunteering do not contribute social capital that must be met by others or the government

Which of the following is NOT one of the needs of families in Stage Two: Preretirement

Initiate long term savings for future goals

In the planning process, what is the purpose of sequencing

It is the mental process of laying out activities and resources needed to complete any particular task or goal

Bob and Sylvie Brown and their two adolescent children do not talk much with each other, saying only what is required by during the day. They also carry about their lives outside of the family independently. In fact, days can go by without the children talking to Bob. The Brown's communication pattern is most likely

Laissez-Faire

However, the expenditure share for housing in 1901 was ______ it was in 2002-2003

Less than

An example of this level of analysis could be the culture of individualism in the US

Macrosystem

the _____ strategies that evolve in a system reflect the priorities of the system and involve decisions about the use of resources

Maintenance task

In what ways does the US food and Drug Administration protect public life?

Monitors the safety and effectiveness of products such as drugs and medical devices and safeguards the food supply

Plans designed in consideration of anticipated events are known as

Proactive plans

Which of the following is NOT one of the three primary types of federal taxes that wage-earners pay

Property Tax

Wage earners are required to pay all of the following taxes through payroll deductions Except:

Sales Tax

Perceived acceptable levels of adequacy that has an impact on goals is a/an

Standard

I want to use and allocate the economic and interpersonal resources in my family effectively using Foa's six operating rules as a guideline. Which of my following ideas is INCOSISTENT with his rules

The exchange of economic resources needs a personal relationship

A common theme from all approaches to family resource management is:

The inherent need for families to make decisions

How do goals contribute to personal growth and satisfaction with life?

They help direct and guide any behavior towards the completion of the tasks and objectives

People with this VALS type are motivated by ideals. They are also often alert to opportunities to broaden their knowledge. They look for durability, functionality, and value in products they purchase

Thinker

A family benefits when family members are able to realize self-actualization because:

Those who have realized their own potential are able to help other family members to be their best

What part does technology play in family needs?

Those with technology will have advantages such as education over those who do not have technology

Design preferences in consumer products reflect personal and group values

True

What region in the US pays the MOST, on average, for Personal Care Expenses?

West

One alternative to public education where the state is essentially out-sourcing education is known as

a charter school

According to Foa's exchange Principle, which of the following would be the easiest exchange?

a hug for love

An example of a second level as one moves up Maslow's Hierarchy of needs would be

a padlock

An example of energy used as a human resource would be

a wife washing the car

Caleb recently moved to a remote mountain cabin. Although he is financially able to pay for these, he is unable either cable or internet services from that location. This problem illustrates the resource characteristic of:

accessibility

Susan was ashamed of her 10-year-old car every time she parked in her company parking lot. She avoided leaving with her co-workers because she didn't want them to see her old car, especially when it seemed like they all had new cars. The next weekend, Susan went car shopping. Susan's decision was probably motivated by

achievement

Lamanna and Riedmann suggest four emerging options for childbearing that include all except:

adoption

Brian is upset with his mother's decision to ground him after he was caught lying. He refused to speak to her all evening and did not give her his usual goodnight kiss. Brian is using what kind of resources to increase his power over her?

affective

The bloated sluggish and unfulfilled feeling that results from efforts to keep up with the Joneses is a definition of

affluenza

Which of the following is NOT one of the suggestions for how to eal with a solvable

agree to disagree

In discussion of worldview, all of the following assumptions were made by Kluckhohn and Strodtbeck in comparing the value systems between cultural groups EXCEPT

all cultural groups have the same basic values

Environmental resources are in danger because

all of the above are reasons for why environmental resources are in danger

Khloe and Lamar have been married for 2 years. Khloe is satisfied with the "profit" of this relationships and feels she could do no better in another relationship. She also perceives that the profit she has is similar to what she expected from the relationship. Lamar perceives that other relationships could offer him the same or better. According to Social Exchange theory, Khloe is likely:

all the above

The specifics of each person's Comparison Level (CL) are influenced by

all the above

I have two cookies but four children who want desert. I carefully cut each cookie in two and give a half to each child. This could be an example of:

allocation

Family resource management includes all of the following concepts except:

an understanding of the world monetary exchange system

At what point in the decision-making process about purchases does price become a factor?

both a and b

In group situations, a plan of action may be implemented and members are asked to generate possible solutions. This approach is known as:

brainstorming

Benefits that allows the employee to pick and choose from among several options is known as:

cafeteria plans

Social security taxes are used for all except:

child care benefits

In the American culture is the belief that one can measure, keep, save, and waste time. This is an example of viewing time as:

commodity

The theory or perspective that is based on the idea that humans are driven to want certain things, that power is at the core of all social relationships, and that groups have interests that advance their own goals:

conflict theory

The consumer resource exchange model (CREM) was developed by Bristow and Moven and is based on the concept that:

consumers manage resource in order to meet their needs

_______ is the translation of the message and the metamessage

decoding

A high degree of autonomy with little support from or emotional connection to other family members characterizes which internal boundary

disengaged

The theory where individuals attempt to bring their attitudes into alignment with their behaviors, especially around other people is the

dissonance theory

An example of variable expense would be

electricity

The Baker family has always lived in Tuscfan, Arizona. Recently Mr. Baker's brother invited the whole family to spend the holidays at their mountain cabin in Colorado. The Bakers decided to not to take the offer because they did not like the idea of the cold weather and the fact that they would have to purchase all new clothes. This decision reflects what type of contextual influence.

environmental

The characteristics of a good financial plan includes all EXCEPT:

exclusivity

A need is something that you would like to have but is not essential

false

According to the model from the video, multitasking is a form of external interference

false

Economic resources are collectively owned while social resources are individually owned

false

the term "living wage" refers to those who have an education and are salaried

false

A weakness of this theory is that it is difficult to apply to families that are diverse in form or function and can even be problematic to use with traditional families that have two or more children

family development theory

Something that one wishes to reach, or accomplish within a certain timeframe is a

goal

In 1901, the expenditure share for food was _____ it was in 2002-3

greater than

Joseph is 62 years old and has decided to retire because of poor health. What will happen to his retirement benefits?

he will receive a reduced rate of payments

The individual who has the responsibility for day to day decision would be said to have:

implementation power

Intermediate goals will be accomplished

in less than one year

The family system property of _____ is reflected in the assertion that "a change in one part of the family has a reverberating impact on other parts of the family system."

interdependence

Medicare includes covered expenses for all the following types EXCEPT:

legal services

What Quintile spends the highest percent of their income on food at home

lowest 20%

According to Galvin, communication is a symbolic, transactional process of creating and sharing

meanings

Mary's job requires lots of travel. She would like to take more time off work to be with her children and her aging parents, but her boss would not allow it. Her problems at home are not affecting her work, and the demands of her job are affecting her marriage. This type of interaction illustrates Urie Bronfenbrenner's concept of as:

mesostyem

What region in the US pays the LEAST, on average, for transportation expenses?

midwest

A tool used to collect demographic information to determine the needs of certain populations is known as a/an:

needs assessment

this is the expectation that there will be fairness in portion of rewards of costs in the relationship; in other words, people in the relationship should mutually share obligations and rewards

norm of fairness

The communication standard where the family communicates in a proper or formal manner is known as

politeness

According to Kranichfeld, resolution of family resource conflicts can result in all outcomes EXCEPT

power

When product and service competition is high, what factor differentiates one product from another?

quality

The ability to identify and use resources to meet needs effectively is:

resourcefulness

An example of a public benefit that is provided through tax dollars would be:

roads

Forming a value judgment that is rationalized by discrediting information that goes against their behavior is known as

selective interpretation

Maslow believes that even though all needs on the Hierarchy of Needs are met, one may still be unfulfilled unless they are able to reach their potential. This is known as:

self-actualization

One reason why business management and family resource management are connected is because they both have concern for:

sustainability

According to Vickers, the third era of household production and consumption patterns was a focus on:

the changing roles of men and women

The planning process begins with

the decision

This principle of distributive justice of resources may be what drives some programs and organizations to give grants or scholarships to college students

the principle of need

John and Carmen are not very involved in their son Caleb's school. According to recent studies, one reason may be

they had bad experiences as students themselves

cohorts or generations are likely to have similar values because:

they were likely to have experienced similar economic, political, historical, and technological changes and these shared memories impact how they process and evaluate situations

With regards to unemployment benefits

to be eligible you must have established a base period of at least one year period of time of working prior to filing the claim

Communal traits, more common for women than men, are needs related to forming and maintaining social relationships with others

true

Home schooling curriculum and the person responsible for delivery for the curriculum (usually the parent) are regulated by each state

true

The person who is in the higher earnings bracket ultimately pays less Social Security tax

true

The Bureau of Consumer Protection protects consumers against:

unfair, deceptive, or fraudulent practices

Guiding principles of thought and behavior are known as:

values

Baumle found that the wage gap between men and women may result because

women are mothers

The worldview orientation of human activity includes all of the following EXCEPT:

working solely for the benefit of others