JHS Decisions Final Exam 2021-22

sender, message, receiver, feedback

sound, not listening, message not arriving

nonverbal, verbal, listening, observing

distractions, emotional blocks, planning response

Doing something for satisfaction or personal reward or fun; being the best version of myself for myself; ex. when you clean your room because it makes you feel motivated to do other tasks

Doing something for an outside reward or fame or money or praise or to avoid punishment; ex. your mom will pay you if you clean your room

14

before they start the job

yes!

$8.39

no!

24 hours

48 hours

5

6am-10:30pm

no!

no!

spelling, neatness, no friends as references, no speeding through the creation process, no lying

work experiences, skills, achievements, and interests

1 page

yes!

achieved, employed, organized, skilled, improved, passionate

dress well, make eye contact, no too long of answers

someone who is paid by the hour

someone who is paid a stable yearly salary despite how much they work

the amount of money you get paid before deductions

partial payment of annual income taxes that gets sent directly to the government

the amount of money you get paid after deductions

an expense that can be subtracted from a taxpayer's gross income in order to reduce the amount of income that is subject to taxation

...

money paid regularly at a particular rate

an account you can put money in for long term and can get a small interest

a certificate issued by a bank to a person depositing money for a fixed length of time

"IOU" certifying that you loaned money to a government or corporation and outlines terms of agreement; has fixed interest rate for a fixed time; when time is up, bond has matured and the buyer may redeem the bond for the full face value including any interest

represent ownership of a corporation; stockholders own a share of a company and are entitled to a share of the profits

houses, buildings, land, etc.

specific plans that help people set money aside for retirement and can be made up of stocks, bonds, or other investments depending on the account. Types include individual retirement account (IRA), 401(k), 403(b), etc.

fewer than 2 months

savings account

2 months - 3 years

Bonds and CD

+3 years to achieve

retirement account

expenses that remain the same from month to month; ex. rent, mortgage, car payment

a discreditable purchase that can be altered or eliminated w/o a significant downside; ex. latest video game

expenses that occur once or a few times a year; ex. car maintenance, medical care, dental care, birthday, Christmas

expenses that are expected or planned for; ex. birthday gifts, new furniture

urgent or impulse purchases; ex. unplanned car repairs, home appliance breaking

it means making sure that you have enough money for bills and other expenses before you buy something that isn't necessary. This can mean building up a retirement account or creating an emergency fund/savings account for long-term goals like buying a house or necessary purchases.

...

they're are alike in appearance, but: debit card=withdrawals money from a bank account (checking or savings) "pay now" credit card= creates a loan "pay later"

the price a lender charges for loaning money

an annual fee a credit card company may charge for using a credit card, but not all credit cards charge an annual fee so it's important to check if there is a fee before signing up

the amount of money owed; when a consumer doesn't pay the monthly payment owed in full, the money that is still owed is called a balance

the interest rate charged on credit card balanced and it's applied each month that an outstanding balance occurs; it may increase if a person DOESN'T make regular payment

amount of money that can be charged to a credit card

The total cost of using credit including interest and fees

the time allowed to pay your credit card bill without having to pay interest; most credit cards don't give a grace period for cash advances and balance transfers; if there's no grace period, the interest charges start right away

A cash loan from a credit card; the interest rate on a cash advance is significantly higher than on purchases or balance transfers; a transaction fee is usually also charged

A fee charged when transferring or completing a transaction; the fee is a percentage of the charge

the lowest amount of money that you are required to pay on your credit card statement each month

a fee charged to the borrower who misses paying at least their minimum payment by the payment deadline

A credit card carrying an incentive or "reward" for use, typically involving cash back, merchandise discounts or frequent flyer points

trades, military, college

grants, work-study, loans

borrowed money for college or career school; you must replay your loans with interest

financial aid that doesn't have to be repaid

a work program through which you earn money to help you pay for school

a grant or payment made to support a student's education, awarded on the basis of academic or other achievements

a federal pell grant doesn't have to be repaid; awarded only to undergraduate students who haven't earned a bachelor's degree or professional degree

it doesn't have to be rapid and doesn't collect interest

loans backed by the government and will not accrue interest until you graduate and start making payment.

loans will start accruing interest from the time the loan is taken out; you must reapply for the loan each year, and the terms may change each time

A student loan offered to parents of students enrolled at least half time, or graduate and professional students, at participating and eligible post-secondary institutions. "Parent Loan for Undergraduate Students."

a need based student loan to assist American college students in funding their college education

6 months

10 years

payments based on income, not amount owed

initially low payments that increase every 2 years

they're the lowest payment for borrowers

get a new student loan that pays off all existing student loans

a program by the federal government to encourage young people to consider giving back to society by performing public service

deferment or forbearance

physical, social, and mental health

emotional, psychological, and social well-being; affects how we think, feel, and act; helps determine how we handle stress, relate to others, and make choices

biological factors, life experiences, family history of mental health

performing well, normal sleep, nervousness, sadness, anger, anxiety, depression, constant fatigue

distress and eustress

chronic and episodic

Chronic = poverty Episodic = exam Eustress = planning a vacation

adrenaline and cortisol

they needed it for their flight or fight response for hunting

headache, fatigue

anxiety, restlessness

oversleeping, drug abuse

if you realize what's causing the stress, then you can fix the problem

yoga or music

you hear voices in your head; hard to focus on one thing; isolating yourself and increased thoughts that are unusual; medical help; variety of causes

you can't calm yourself down; you worry about daily tasks; you think, behave and react differently; variety of causes

feel like you need everything perfect or right; see nightmares or think bad thoughts; have different types of obsessions have compulsions to try and stop obsessions; variety of causes