Question: 1 . Joe has an Associate s Degree from the local community college and has had an entry - level job at one of the

1. Joe has an Associates Degree from the local community college and has had an
entry-level job at one of the large manufacturing companies in town for many
years. Although his boss has encouraged him to continue his education and pursue
a Bachelors Degree, Joe never seems to have the time. He is young, unmarried,
and lives in a small apartment. He has an expensive taste in cars and pay s more in
car payments each month than he does in rent. With regard to purchases, Joe tends
to be a trend-watcher. He likes nice

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