Questions and Answers of Resource Management For Individuals

5. Why do you think more people turn first to friends and relatives for financial advice, and then to professional financial advisers such as bankers, lawyers, and accountants?
4. Why do nearly 70 percent of retirees take Social Security before age 65? What are the pros and cons of this decision?
3. What are some of your fixed and variable expenses? Do you have a monthly budget or estimation of income and outflow?
2. Authors Standley and Danko say that to be wealthy means living within one’s means and choosing an occupation well. What do you think of this advice?
1. What is a FICO score? What is its range, and what is a good one? How does a FICO score affect a person’s future financial decisions?
If you are in debt, get out. First, pay off the credit cards with the highest APR.
Keep a list of credit card numbers in a safe place, lest they are lost or stolen, along with a list of toll-free numbers of credit card companies to notify in case cards are lost.
Keep a list of credit card purchases as they occur, similar to the check stubs in a checkbook.
Check credit card statements carefully against receipts. Do not allow the unauthorized use of a credit card number.
If a card has a teaser rate (a very low introductory level APR), use it but get rid of it when the rate goes up. Teaser rates are offered to college students; and when they graduate, the rates go up.
Know what the agreement says; seek cards with the lowest annual percentage rate (APR) and no additional fees. The average yearly rate of interest paid over the life of credit or a loan is called the
Pay off credit cards on time in full each month to avoid interest charges. Only 36 percent of cardholders do this.
Have only one or two cards, at most three. The typical bankrupt individual has 20 or more cards.
Does your campus allow credit card or prepaid debit card solicitation on campus? Is it done during orientation or at student events or through the mail? With the Wal-Mart Student Money Card both the
5. Near the end of the chapter, the term “positive ecology” was defined. Give an example of how you practice positive ecology or perhaps are inspired to after reading this chapter.
4. What is the 3-Rs solution to waste?
3. What system uses the most energy in the home? Where does maximum heat loss occur? How can heat loss be reduced?
2. What are the two main problems associated with water in the home? What can be done to reduce water use?
1. Comment on the following statement by E. O. Wilson: “I suppose it will all come down to a decision of ethics—how we value the natural worlds in which we evolved and now, increasingly, how we
Use buckets of water to wash the car rather than running water continuously from a hose.
Water the lawn and garden early in the morning to avoid losing too much water to evaporation in the heat of the day. Watering cans use less water than hoses. Cover soil with compost or mulch to
Use only the necessary amount of water for cooking and rinsing food.
Landscape with native plants that do not require additional watering.
Fix leaky faucets and toilets.
Install low-flow shower heads. They mix air into the water flow to increase the water pressure. A 10-minute shower under a water-efficient shower head will save five gallons of water over a bath and
Match the water level and the temperature settings on clothes washers to the size and type of load.
Run full loads in the washing machine and dishwasher.
Do not leave the water running while doing dishes, brushing teeth, or shaving.
Does your grocery store encourage the use of bags from home or charge for in-store bags?If it doesn’t,but intend to start that policy,how do you think it would go over? If it was only 5 or 10 cents
What is your campus doing about recycling, food waste, green transportation, bicycles, cleaner air, energy use, compact fluorescent light bulbs and other green adjustments? Do you agree or disagree
5. Describe the drain theory of human energy and explain why it is inadequate.
4. Give two examples of nonnormative and normative stressor events that have occurred in your life.
3. How could burnout have a good side? What may be a benefit?
2. What happens to the body during each of the three stages of the stress reaction?
1. A book editor explained that he was Type B on the outside and Type A on the inside. How could this be? Do you know someone who appears to be one type of personality, but is in reality the other
Have you ever experienced a nonevent? What was it? Gloria described a fund-raising party for the animal shelter, which cost $100 a ticket, as a nonevent: hardly anyone showed up,it was
Pauline used to work in advertising, for the local newspaper. Now, she has another full-time job, but her son’s school keeps asking her to handle the advertising for their annual holiday bazaar.She
How do you define stress? What causes stress to you? Think about what affects you emotionally and physically. What would you like to do differently?
5. Why do you think more people turn first to friends and relatives for financial advice, and then to professional financial advisers such as bankers, lawyers, and accountants?
4. Why do nearly 70 percent of retirees take Social Security before age 65? What are the pros and cons of this decision?
3. What are some of your fixed and variable expenses? Do you have a monthly budget or estimation of income and outflow?
2. Authors Standley and Danko say that to be wealthy means living within one’s means and choosing an occupation well. What do you think of this advice?
1. What is a FICO score? What is its range, and what is a good one? How does a FICO score affect a person’s future financial decisions?
If you are in debt, get out. First, pay off the credit cards with the highest APR.
Keep a list of credit card numbers in a safe place, lest they are lost or stolen, along with a list of toll-free numbers of credit card companies to notify in case cards are lost.
Keep a list of credit card purchases as they occur, similar to the check stubs in a checkbook.
Check credit card statements carefully against receipts. Do not allow the unauthorized use of a credit card number.
If a card has a teaser rate (a very low introductory level APR), use it but get rid of it when the rate goes up. Teaser rates are offered to college students; and when they graduate, the rates go up.
Know what the agreement says; seek cards with the lowest annual percentage rate (APR) and no additional fees. The average yearly rate of interest paid over the life of credit or a loan is called the
Pay off credit cards on time in full each month to avoid interest charges. Only 36 percent of cardholders do this.
Have only one or two cards, at most three. The typical bankrupt individual has 20 or more cards.
Does your campus allow credit card or prepaid debit card solicitation on campus? Is it done during orientation or at student events or through the mail? With the Wal-Mart Student Money Card both the
5. Near the end of the chapter, the term “positive ecology” was defined. Give an example of how you practice positive ecology or perhaps are inspired to after reading this chapter.
4. What is the 3-Rs solution to waste?
3. What system uses the most energy in the home? Where does maximum heat loss occur? How can heat loss be reduced?
2. What are the two main problems associated with water in the home? What can be done to reduce water use?
1. Comment on the following statement by E. O. Wilson: “I suppose it will all come down to a decision of ethics—how we value the natural worlds in which we evolved and now, increasingly, how we
Use buckets of water to wash the car rather than running water continuously from a hose.
Water the lawn and garden early in the morning to avoid losing too much water to evaporation in the heat of the day. Watering cans use less water than hoses. Cover soil with compost or mulch to
Use only the necessary amount of water for cooking and rinsing food.
Landscape with native plants that do not require additional watering.
Fix leaky faucets and toilets.
Install low-flow shower heads. They mix air into the water flow to increase the water pressure. A 10-minute shower under a water-efficient shower head will save five gallons of water over a bath and
Match the water level and the temperature settings on clothes washers to the size and type of load.
Run full loads in the washing machine and dishwasher.
Do not leave the water running while doing dishes, brushing teeth, or shaving.
Does your grocery store encourage the use of bags from home or charge for in-store bags?If it doesn’t,but intend to start that policy,how do you think it would go over? If it was only 5 or 10 cents
What is your campus doing about recycling, food waste, green transportation, bicycles, cleaner air, energy use, compact fluorescent light bulbs and other green adjustments? Do you agree or disagree
5. Describe the drain theory of human energy and explain why it is inadequate.
4. Give two examples of nonnormative and normative stressor events that have occurred in your life.
3. How could burnout have a good side? What may be a benefit?
2. What happens to the body during each of the three stages of the stress reaction?
1. A book editor explained that he was Type B on the outside and Type A on the inside. How could this be? Do you know someone who appears to be one type of personality, but is in reality the other
Have you ever experienced a nonevent? What was it? Gloria described a fund-raising party for the animal shelter, which cost $100 a ticket, as a nonevent: hardly anyone showed up,it was
Pauline used to work in advertising, for the local newspaper. Now, she has another full-time job, but her son’s school keeps asking her to handle the advertising for their annual holiday bazaar.She
How do you define stress? What causes stress to you? Think about what affects you emotionally and physically. What would you like to do differently?
5. Why do you think more people turn first to friends and relatives for financial advice, and then to professional financial advisers such as bankers, lawyers, and accountants?
4. Why do nearly 70 percent of retirees take Social Security before age 65? What are the pros and cons of this decision?
3. What are some of your fixed and variable expenses? Do you have a monthly budget or estimation of income and outflow?
2. Authors Standley and Danko say that to be wealthy means living within one’s means and choosing an occupation well. What do you think of this advice?
1. What is a FICO score? What is its range, and what is a good one? How does a FICO score affect a person’s future financial decisions?
If you are in debt, get out. First, pay off the credit cards with the highest APR.
Keep a list of credit card numbers in a safe place, lest they are lost or stolen, along with a list of toll-free numbers of credit card companies to notify in case cards are lost.
Keep a list of credit card purchases as they occur, similar to the check stubs in a checkbook.
Check credit card statements carefully against receipts. Do not allow the unauthorized use of a credit card number.
If a card has a teaser rate (a very low introductory level APR), use it but get rid of it when the rate goes up. Teaser rates are offered to college students; and when they graduate, the rates go up.
Know what the agreement says; seek cards with the lowest annual percentage rate (APR) and no additional fees. The average yearly rate of interest paid over the life of credit or a loan is called the
Pay off credit cards on time in full each month to avoid interest charges. Only 36 percent of cardholders do this.
Have only one or two cards, at most three. The typical bankrupt individual has 20 or more cards.
Does your campus allow credit card or prepaid debit card solicitation on campus? Is it done during orientation or at student events or through the mail? With the Wal-Mart Student Money Card both the
5. Near the end of the chapter, the term “positive ecology” was defined. Give an example of how you practice positive ecology or perhaps are inspired to after reading this chapter.
4. What is the 3-Rs solution to waste?
3. What system uses the most energy in the home? Where does maximum heat loss occur? How can heat loss be reduced?
2. What are the two main problems associated with water in the home? What can be done to reduce water use?
1. Comment on the following statement by E. O. Wilson: “I suppose it will all come down to a decision of ethics—how we value the natural worlds in which we evolved and now, increasingly, how we
Use buckets of water to wash the car rather than running water continuously from a hose.
Water the lawn and garden early in the morning to avoid losing too much water to evaporation in the heat of the day. Watering cans use less water than hoses. Cover soil with compost or mulch to
Use only the necessary amount of water for cooking and rinsing food.
Landscape with native plants that do not require additional watering.
Fix leaky faucets and toilets.

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