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resource management for individuals
Resource Management For Individuals And Families 4th Edition Elizabeth B Goldsmith - Solutions
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. The companies know from experience that most students will continue using the cards.
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 annual percentage rate.
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 parent and student receive a card and can track spending online.Students can spend no more than what
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 regard our status as individuals.” Do you agree or disagree? Include an explanation of the
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 reduce evaporation.
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 save over $150 a year on energy used to heat water.
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 a bag,would shoppers say okay or be incensed?
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 that today’s college age students are the greenest generation? Explain.
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 type? Explain.
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 disorganized,and the food was mediocre.She said she knew it was for a good cause but it was disappointing. What
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 wants to say no.Should she? What are her other options?
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. What is your definition of leisure? Why would 12 percent of the American workforce never take vacations?
4. The traditional image of volunteers and the reality of today’s volunteers are different. What is the difference?
3. The Russian playwright Chekhov said that life and work are inseparable. Our work is not in competition with our lives—it is merely one part of life. And in the end, we’ll be remembered for what we did with our life and how we lived it. Do you agree or disagree? Explain your answer.
2. List three ways individuals and families can help resolve work–family conflict.Which one do you think is most effective?
1. Many companies are promoting sustainability as a corporate ethic. Going greener provides a chance for employees to make environmentally friendly choices in the workplace as well as in the home. So a “going green” policy is an example of the interchange or cross-over between work and family.
If you live in a country other than the United States, what are typical days that your university is shut down for holidays and/or vacation time?
A typical time is between Christmas and New Year, and more and more colleges are shutting down for the whole of Thanksgiving week.What do you think of these policies?
Is it possible to have too much leisure? What amount of vacation per year do you think is the right amount? Universities vary in their policies about when they are shut down.
3. Are there better ways to meet children’s and spouse’s needs?
2. How flexible is the work situation?
1. How strong is each individual’s involvement in work? As mentioned earlier, this is called involvement balance.
Do you know any families like the Kalras or Goodwins who are trying to manage work and family domains? Describe their situation and possible solutions.
5. According to Mihaly Csikszentmihalyi in Finding Flow, people spend roughly equal amounts of daytime in three social contexts (i.e., with strangers or coworkers/students, with family and friends, and alone). Is your time similarly spent? If you could change your time use in any way, what would
4. What is your opinion of the quotation from David Elkind about today’s hurried child?
3. What is the balance in your life between discretionary and nondiscretionary time?Which do you have more of? Often holidays and summers offer drift time. Is this true in your case? If so, do you enjoy drift time? What do you do differently?
2. What is your reaction to the quotation from Leonard Berry about “Norman Rockwell expectations” and today’s hurried mealtimes?
1. Do you experience manic Mondays? Why does the Gallup organization in their polls find significant differences in levels of happiness between weekends and Mondays? What is your favorite day of the week? Explain why.
12. Buy multiples of nonperishables like soap, cleaning supplies, shampoo, toothpaste, and detergent.
11. Double recipes, eat half, freeze the rest. Share with family and neighbors.
10. Start earlier and shop early when stores are not crowded. Home supply stores say their slowest time is Sunday morning. A corollary to this is to ask for the earliest appointment at the dentist or doctor; you are less likely to be bumped by emergencies that occur during the day.
9. Buy movie and theater tickets in advance.
8. Use automatic bill paying and direct deposit.
7. Reduce walking and searching by having basics, such as tissues, clocks, scissors, pens, paper, tape, and cleaning supplies, in most rooms. This technique is especially important in two-story or three-story houses.
6. Send cards online, for free.
5. Buy prepared food such as rotisserie chickens; complete the meal with fresh bread, soups, pastas, vegetables, and salads.
4. Use in-store wrapping services.
3. Buy gift cards. Shop online.
2. Use your human energy effectively. Study or do difficult reports during your peak energy time, usually 10 or 11 a.m. for most people.
1. Get help. For example, a stone flew up from the road and hit the windshield of a new car. The owner was dismayed at the dent which was right in his line of vision. The insurance adjuster told him whom to call and a technician came to his house within hours and patched the windshield so that the
5. Choose one of the groups discussed in the section “Meeting Individual, Family, and Societal Needs” and discuss their resource management needs (explain what they have or do not have and what they need).
4. What do you think are the benefits and deficits of the 180-day school year for children? Where do you stand on this issue?
3. According to the chapter, managing change is inherently messy. Why is that?
2. Worldwide, are fertility rates rising or falling? What sorts of factors influence fertility rates?
1. How has the world population changed since 1900? Where do most people live today, in cities, small towns, or villages? In the United States, which are the largest cities?
How were you cared for as a young child? At home,at a child care center or preschool,at a relative’s or neighbor’s house,or another place? Do you have any photos or memories of it? If and when you have children,what will your preference be for child care?
5. Many doors in the brain seem to open onto memories. For example, a whiff of cinnamon may unleash memories of your childhood kitchen or of a bakery or restaurant. Likewise, gesturing may open a door to a word or a memory, especially one with a spatial (high, low, or wide) or movement
4. Do you agree with Theodore Leavitt’s statement that the more information you are exposed to, the less meaning it seems to have? Explain.
3. List the destructive communication styles or tactics used in families. Which do you think is the biggest problem? Why?
2. Change the following You-messages into I-messages: “You never clean the apartment.” “You never put gasoline in the car.” “You always leave everything to the last minute. Why don’t you do something on time for a change?”
1. Writer Anne Morrow Lindbergh said “Good communication is as stimulating as black coffee, and just as hard to sleep after.” Do you think that is true? Explain a time when you couldn’t get to sleep because of a conversation.
Have you spent a long time in conversation face to face,over the phone,or on the Internet getting to know another person? Can you recall any movies where this was a theme? What would you consider to be a long time?
A children’s storybook Amelia Bedelia written by Peggy Parish has as a main character Amelia Bedelia. One day Mr. and Mrs. Rogers hire Amelia as a maid and leave her a list of chores.She thinks some are odd like “draw the drapes”and “dress a chicken,”but she sets out to do these chores
5. Who should be accountable for achieving the goals?
4. How long will it take to achieve the goals?
3. How are the goals related?
2. Which goals have the highest priority?
1. What goals will be sought?
Chad receives an e-mail that he is not accepted into the graduate school he wanted most.As a neighbor and friend,you want to help him.What would you say or do?
What is your opinion about how much of life can be planned and how much just happens? Give an example of something that you planned to do, but“life” got in the way.
5. The musician John Lennon wrote a song lyric that said “Life is what happens to you while you’re busy making other plans.” What do you think he meant by this?
4. At the end of Clint Eastwood’s Dirty Harry movie, the character says, “A man’s gotta know his limitations.” What are the limitations to multitasking (or are there any)?
3. What is the difference between proactive and reactive styles?
2. What influences affect planning? Include a discussion of Gresham’s law of planning in your answer.
1. Look at the list, near the beginning of the chapter, of things people would like to have better organized. Is there anything on the list that you would like to have better organized? More than one thing? If so, what would you have to do(steps to take) to get more organized?
Is there enough information?
Is there enough time?
Is there enough money?
Will others cooperate?
What corner of your life could use some tidying up? Have you let some assignment or studying slip? Or car repair? What action should you take?
Describe a problem you are trying to solve.
5. What is the difference between decision making and problem solving?
4. What does the Elbing model illustrate?
3. The German poet and playwright Johann Wolfgang von Goethe said, “I have come to the frightening conclusion that I am the decisive element. It is my personal approach that creates the climate. It is my daily mood that makes the weather. I possess tremendous power to make life miserable or
2. What is the Peter Principle? How is it related to decision making?
1. Are you indecisive or decisive? Is it better to make a snap decision or to make no decision at all? General Patton called the no-decision strategy “readyaim-aim-aim-aim syndrome.” In a crisis situation, does someone need to take command and make decisions? Give an example illustrating your
How do you plan for the unplannable? If you were a manager and an employee needed to rush to the hospital 30 minutes away to check on an injured family member, how would you deal with that situation? Who would fill in for the employee? How would you help the distressed employee who had to leave
Do you think indecision in an employment situation can stem from being viewed in a poor light? In a home setting, a couple or family may never entertain because they feel their house or entertaining skills are not good enough.Would that be understood or not by their friends?
Have you ever been in a similar situation as Mr.Turnley,working with an indecisive boss?
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