35. You are most likely to achieve a goal when you a. are convinced it is really your goal b. can commit emotionally to that goal c. can visualize yourself achieving it d. plan and execute concrete steps toward its achievement e. All of the above 36. How is it possible for households to spend more than their disposable income? a. By paying less taxes b. By using credit c. By using previous saving d. All of the above 37. Tax evasion is : a. Another term for tax avoidance b. Acceptable way to reduce taxable income c. Legal procedure to reduce one's taxes d. Unlawful behavior in dealing with taxes 38. Marriage Penalty means a. A state fee paid at the marriage registration b. An increase in taxes occurs when married couple file jointly for taxes c. Extra taxes paid by the male of a married couple. d. A state fine for any unlawful marriage