1.
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2.
In deciding how much home you can afford, a general rule of
thumb is:
Correct Answer
C. 2.5 times your annual salary
Explanation
A general rule of thumb in determining how much home you can afford is to consider 2.5 times your annual salary. This means that if you earn $50,000 per year, you should aim to purchase a home that costs no more than $125,000. This guideline helps ensure that you do not overextend yourself financially and allows for other expenses and savings.
3.
Which of the following are NOT advantages of renting? (two answers)
Correct Answer(s)
B. Tax benefits
D. Increase in equity
Explanation
Renting does not provide tax benefits or an increase in equity. Tax benefits are usually associated with homeownership, as homeowners can deduct mortgage interest and property taxes from their income taxes. Renters do not have these deductions. Increase in equity is another advantage of homeownership, as the value of the property can appreciate over time, allowing homeowners to build wealth. Renters do not have the opportunity to build equity in the property they are renting.
4.
You're sitting down for a seven course dinner. How do you know which silverware to use for each course?
Correct Answer
A. Start with the utensils farthest out from your plate and work your way "in" with each course.
5.
As a guest at a wedding, what do you say to the new bride?
Correct Answer
B. Best wishes
Explanation
As a guest at a wedding, it is customary to offer your best wishes to the new bride. This phrase conveys your positive thoughts and hopes for her future happiness and success in her marriage. It is a polite and appropriate way to acknowledge the occasion and show your support and good intentions towards the bride.
6.
When accompanying a woman down a set of stairs or on an
escalator, where should you be?
Correct Answer
C. In front of her
Explanation
When accompanying a woman down a set of stairs or on an escalator, it is considered polite and courteous to be in front of her. This allows you to lead the way and ensure her safety by clearing any obstacles or potential hazards that may be ahead. Being in front also shows a level of respect and chivalry towards the woman, as it signifies that you are taking responsibility for her well-being during the descent.
7.
Traditionally, who should pay on the first date?
Correct Answer
D. The person who asked for the date
Explanation
The person who asked for the date should traditionally pay on the first date. This is because they initiated the date and are typically seen as the host or hostess. Paying for the date is a gesture of courtesy and shows that the person values the other person's company. However, it is also common for couples to split the bill or take turns paying on subsequent dates.
8.
You should always ask permission before attempting the first kiss.
Correct Answer
B. False
Explanation
Asking for permission before attempting the first kiss is not necessary in all situations. It depends on the individuals involved and the context of the situation. Some people may prefer a more spontaneous and unexpected first kiss, while others may appreciate being asked for consent. Ultimately, it is important to communicate and gauge the comfort levels of both parties before initiating any physical contact.
9.
You’ve decided to break off your engagement. What happens to the ring?
Correct Answer
B. She should keep it
Explanation
In most jurisdictions, the engagement ring is considered a conditional gift given in contemplation of marriage. If the engagement is broken off by the person who gave the ring, the general rule is that the recipient gets to keep the ring as a gift. However, laws may vary depending on the jurisdiction and the specific circumstances of the engagement.
10.
Your graduating grade point average (GPA) is a 2.8 (out of 4). You should reveal this on your resume.
Correct Answer
B. False
Explanation
Revealing a GPA of 2.8 on a resume may not be advisable as it is below average and may not create a positive impression on potential employers. It is generally recommended to only include GPA on a resume if it is above a certain threshold, such as 3.0 or higher. By omitting a lower GPA, it allows the applicant to focus on other strengths and qualifications that may be more relevant and appealing to employers.
11.
When writing about your job experience, it’s best to begin
your sentences with what type of words, and why?
Correct Answer
B. Action verbs as they imply accomplishment
Explanation
When writing about your job experience, it is best to begin your sentences with action verbs because they imply accomplishment. By using action verbs, you are able to convey the specific tasks and responsibilities you had in your previous job, highlighting your achievements and contributions. This helps to demonstrate your skills and abilities to potential employers, making your job experience more impactful and impressive. Starting sentences with action verbs also adds a sense of dynamism and energy to your writing, making it more engaging and compelling for the reader.
12.
In order to pass through airport security, all liquids, gels
and aerosols must be in ___ ounce or smaller containers.
.
Correct Answer
B. 3 oz.
Explanation
In order to pass through airport security, all liquids, gels, and aerosols must be in 3 oz. or smaller containers. This restriction is in place to comply with the Transportation Security Administration (TSA) regulations, which limit the amount of liquids that passengers can bring in their carry-on bags. This rule helps to ensure the safety and security of air travel by reducing the risk of potential threats posed by larger quantities of liquids.
13.
The typical maximum weight of a "check in" bag at an airlines (without financial penalty) is ___lbs.
Correct Answer
C. 50
Explanation
The typical maximum weight of a "check-in" bag at an airline without incurring any financial penalty is 50 lbs. This means that passengers are allowed to bring a bag weighing up to 50 lbs without having to pay any additional fees.
14.
Under normal driving conditions, how often should you change your oil?
Correct Answer
C. 7,500
Explanation
The correct answer is 7,500. Under normal driving conditions, it is recommended to change your oil every 7,500 miles. This is based on the average lifespan of engine oil and ensures that the engine is properly lubricated and protected. However, it is important to note that this recommendation may vary depending on the vehicle manufacturer's guidelines and the type of oil used.
15.
The four primary filters in your car are:
Correct Answer
A. Air, water, oil, gas
Explanation
The correct answer is air, water, oil, gas. These four filters are essential components in a car's maintenance. The air filter removes impurities from the air before it enters the engine, ensuring proper combustion. The water filter helps to keep the coolant system clean and free from contaminants. The oil filter removes dirt and debris from the engine oil, preventing engine damage. Lastly, the gas filter removes impurities from the fuel before it reaches the engine, ensuring optimal performance.
16.
One of the methods for maintaining a good credit score is to keep your
credit card account balances below ___ of your available credit limits.
Correct Answer
B. 35%
Explanation
To maintain a good credit score, it is recommended to keep your credit card account balances below 35% of your available credit limits. This means that you should aim to use only a portion of your credit limit, rather than maxing out your cards. Keeping your balances low shows responsible credit management and indicates to lenders that you are not relying heavily on credit. This can positively impact your credit score and increase your chances of getting approved for future credit applications.
17.
What two elements are most important when negotiating any purchase?
Correct Answer
A. Time and information
Explanation
When negotiating any purchase, time and information are the two most important elements. Time is crucial because it allows the buyer to thoroughly research and consider their options, as well as create a sense of urgency for the seller. Information is equally important as it enables the buyer to make informed decisions and negotiate effectively. Having access to relevant information about the product, market, and competitors gives the buyer an advantage in the negotiation process. By considering both time and information, the buyer can make confident and well-informed purchasing decisions.
18.
In an interview, your prospective employer asks you what
your current (or last) salary was. You should:
Correct Answer
B. Never offer the figure, saying something like, "My salary is within industry range for my qualifications."
Explanation
When asked about your current or last salary, it is generally recommended to avoid disclosing the exact figure. By stating that your salary is within the industry range for your qualifications, you are providing a general response without revealing the specific amount. This approach allows you to maintain your privacy and negotiate a fair salary based on your skills and the value you bring to the company, rather than being limited by your previous earnings.
19.
You're likely to negotiate a better price from a dealer when you offer "all cash" versus telling them you intend to finance the car.
Correct Answer
B. False
Explanation
Offering "all cash" does not necessarily guarantee that you will negotiate a better price from a dealer compared to telling them you intend to finance the car. While cash payments may have certain advantages, such as avoiding interest charges and potentially allowing for more negotiation power, dealers also have incentives to offer financing options. They may earn additional profits through financing deals or have partnerships with lenders. Therefore, the statement is not universally true, and negotiating a better price can depend on various factors such as the dealer's policies and the specific circumstances of the transaction.
20.
A corporate "bond" is:
Correct Answer
B. A debt obligation of a company
Explanation
A corporate "bond" refers to a debt obligation of a company. It represents a loan made by investors to the company, which the company agrees to repay with periodic interest payments and the return of the principal amount at maturity. Unlike shares of ownership, bonds do not confer ownership rights or voting privileges to the bondholders. Instead, bondholders are creditors of the company and have a claim on the company's assets in case of default. Therefore, the correct answer is that a corporate bond is a debt obligation of a company.
21.
Rank the following investments based on their highest expected return to the lowest.
Correct Answer
C. Stocks, bonds, money market
Explanation
The correct answer is Stocks, bonds, money market. Stocks generally have the highest expected return among the three investment options due to their potential for higher growth and dividends. Bonds offer a lower expected return compared to stocks but are still considered to be a relatively safe investment. Money market investments typically have the lowest expected return as they are low-risk, short-term investments that offer lower yields compared to stocks and bonds.
22.
You're lost and hungry. Which of the following are edible plants?
Correct Answer
B. Cattail, dandelion, prickly pear
Explanation
Cattail, dandelion, and prickly pear are all edible plants. Cattail is a versatile plant that can provide edible parts such as its shoots, pollen, and rhizomes. Dandelion is commonly consumed as a leafy green vegetable and its flowers can also be used to make tea or wine. Prickly pear is a type of cactus that produces edible fruits called tunas, which can be eaten raw or used in various culinary preparations. Ironwood, cedar, skunkweed, poinsettia, tulip, and chrysanthemum are not typically consumed as food.
23.
Which of the following knots is best used for lifting a
person (e.g., up from a well)?
Correct Answer
C. Bowline
Explanation
The bowline knot is the best choice for lifting a person because it is known for its strength and security. It creates a secure loop that will not slip or come undone under tension. This knot is commonly used in activities such as rock climbing and sailing, where safety is crucial. Its simplicity and reliability make it an ideal choice for lifting a person out of a well or any other situation where their safety is at stake.
24.
You're lost in the woods, and it's starting to get very cold. The good
news is that you remembered to bring pieces of flint and steel.
Unfortunately, the wood you were able to gather is damp. You come
across an old garbage dump with the following items. Which one are you
really glad to find?
Correct Answer
C. Magnesium car wheel
Explanation
The magnesium car wheel would be the most useful item to find in this situation because magnesium is highly flammable and can be used to start a fire. By scraping off small shavings of magnesium from the car wheel and igniting them with the flint and steel, you can create sparks that will catch onto the damp wood and help you start a fire to keep warm. The other items listed would not be as helpful in starting a fire in these conditions.
25.
You're driving on a highway, and a tornado is bearing down on you. It's too close to escape. What's the best way to survive?
Correct Answer
B. Find a (dry) low area, lie face down with your hands protecting the back of your head
Explanation
Seeking shelter under a highway overpass is not the best way to survive a tornado. Overpasses can actually amplify the wind and create a wind tunnel effect, making it more dangerous. Staying in your car is also not recommended as it can easily be lifted and thrown by the tornado. The best way to survive is to find a low area, preferably dry, and lie face down with your hands protecting the back of your head. This position helps to minimize the risk of being hit by flying debris and increases the chances of survival.
26.
In a hurricane, you're most likely to die from:
Correct Answer
A. Flooding
Explanation
In a hurricane, flooding is the most likely cause of death. Hurricanes are often accompanied by heavy rainfall, leading to significant flooding in low-lying areas. This can result in swift and powerful currents that can sweep away individuals and vehicles. Additionally, flooding can damage infrastructure, making it difficult for emergency services to reach those in need. High winds and flying debris can also be dangerous during a hurricane, but flooding poses a more immediate and widespread threat to life. Starvation and dehydration may become concerns in the aftermath of a hurricane if access to food and clean water is limited, but they are not the primary cause of death during the storm itself.
27.
According to the United States Department of
Agriculture what’s the recommended minimum internal cooked temperature
for beef, lamb, and veal roasts so they’re safe to eat?
Correct Answer
B. 145 degrees Fahrenheit
Explanation
The recommended minimum internal cooked temperature for beef, lamb, and veal roasts according to the United States Department of Agriculture is 145 degrees Fahrenheit. This temperature ensures that the meat is safe to eat and reduces the risk of foodborne illnesses caused by undercooked meat.
28.
Each electric outlet box in your home will usually have these three wires in it:
Correct Answer
B. A hot, a neutral and a ground
Explanation
The correct answer is "A hot, a neutral and a ground." In an electric outlet box, the hot wire carries the current from the power source, the neutral wire completes the circuit, and the ground wire provides a path for electrical faults to prevent electric shock. This combination of wires is commonly found in residential electrical systems to ensure safe and efficient electricity distribution.
29.
A friend of yours is stung by a bee and has a life-threatening allergic reaction. You're hours away from getting good medical help, but you're fortunate to have some of this to give him in the mean time:
Correct Answer
B. Benadryl
Explanation
Benadryl is the correct answer because it is an antihistamine medication that can help alleviate the symptoms of an allergic reaction, including those that are life-threatening. It can help reduce swelling, itching, and hives caused by the bee sting. Sudafed, Tylenol, and Tums are not suitable for treating an allergic reaction and would not provide the necessary relief in this situation.
30.
The accepted "normal" blood pressure is:
Correct Answer
A. 120/80 mm Hg
Explanation
The accepted "normal" blood pressure is 120/80 mm Hg. This is considered normal because it falls within the range of healthy blood pressure readings. The top number, 120, represents the systolic pressure, which is the pressure in the arteries when the heart beats and pumps blood. The bottom number, 80, represents the diastolic pressure, which is the pressure in the arteries when the heart is at rest between beats. A blood pressure reading of 120/80 mm Hg indicates that the person has a healthy blood pressure level.
31.
Physical fitness experts generally agree that the minimum amount of vigorous exercise required for maintaining good cardio vascular health is:
Correct Answer
B. 20 minutes, 3 time per week
Explanation
Physical fitness experts generally agree that the minimum amount of vigorous exercise required for maintaining good cardiovascular health is 20 minutes, 3 times per week. This level of exercise provides enough stimulus for the heart and cardiovascular system to stay healthy and function properly. It is important to note that this is the minimum recommendation and individuals may need to do more exercise depending on their specific health goals and needs.
32.
Condoms are approximately ____% effective at preventing pregnancy.
Correct Answer
A. 84-98
Explanation
Condoms are approximately 84-98% effective at preventing pregnancy. This means that when used correctly and consistently, condoms have a high success rate in preventing pregnancy. However, it is important to note that the effectiveness can vary depending on factors such as proper usage and potential errors.
33.
Which beverage has the highest alcohol content?
Correct Answer
D. They all have about the same
Explanation
The correct answer is "They all have about the same." This means that all the mentioned beverages - regular beer, wine, and a typical cocktail drink containing 80 proof liquor - have similar alcohol content. This suggests that the alcohol content in these beverages is roughly equivalent and there is no significant difference in their alcohol content.
34.
The average return for the Dow Jones index over the last 100
years is approximately:
Correct Answer
D. 9.3%
Explanation
The correct answer is 9.3%. This means that over the last 100 years, the average return for the Dow Jones index has been approximately 9.3%. This indicates that on average, investors in the Dow Jones index have seen a positive return on their investment over the long term.
35.
Federal nutrition guidelines state that your intake of fats
should be ____ percent of your daily caloric intake:
Correct Answer
C. 20-35
Explanation
The correct answer is 20-35. According to federal nutrition guidelines, your intake of fats should be between 20-35 percent of your daily caloric intake. This range is recommended to ensure a balanced diet and to prevent excessive fat consumption, which can lead to weight gain and health issues.
36.
The accepted normal range for a person’s total cholesterol level
is:
Correct Answer
A. Less than 200
Explanation
The accepted normal range for a person's total cholesterol level is less than 200. This means that if a person's total cholesterol level is below 200, it is considered within the normal range. Cholesterol levels between 200-239 are considered borderline high, while levels between 240-285 are considered high. Therefore, a total cholesterol level below 200 is considered ideal for maintaining good cardiovascular health.
37.
You are beginning to have a heart attack. After immediately calling 911, you should take
____.
Correct Answer
C. A regular-sized aspirin
Explanation
When experiencing the symptoms of a heart attack, it is crucial to call emergency services immediately. Taking a regular-sized aspirin can be beneficial in this situation. Aspirin helps to prevent blood clots from forming and can potentially reduce the severity of a heart attack. It is important to note that other options such as Ibuprofen, baby aspirin, parsley, or allergy tablets do not provide the same benefits and may not be suitable for addressing a heart attack.
38.
You need to test an egg to see if it’s spoiled. If it
sinks in bowl of water, it’s most likely spoiled.
Correct Answer
B. False
Explanation
If an egg sinks in a bowl of water, it is actually a sign that the egg is fresh. Fresh eggs have a higher density than water, causing them to sink. On the other hand, spoiled eggs have gases inside them, which makes them less dense and causes them to float in water. So, the correct answer is false.
39.
Your chances of surviving an airline crash improve 40% by
sitting in the back of the plane.
Correct Answer
A. True
Explanation
Sitting in the back of the plane can improve your chances of surviving an airline crash by 40% because statistically, the back of the plane is considered to be the safest area during a crash. This is because during impact, the front of the plane usually absorbs most of the force, leaving the back relatively less affected. Additionally, the rear exits are often less crowded and easier to access, allowing for a quicker evacuation.
40.
The “dealer invoice” is the
amount that the car dealer pays for your vehicle,
Correct Answer
B. False
Explanation
The given statement is false. The "dealer invoice" is not the amount that the car dealer pays for your vehicle. The dealer invoice refers to the price that the dealer pays the manufacturer for the vehicle. It is the wholesale cost of the vehicle to the dealer, not the price that the dealer pays for a specific customer's vehicle.
41.
Which
side of a boat is the starboard?
Correct Answer
B. Right
Explanation
The starboard side of a boat is the right side. This is a nautical term used to describe the right-hand side of a vessel when facing forward. It is the opposite of the port side, which is the left side. The term "starboard" originated from the Old English word "steorbord," which means the side of the boat where the steering oar was located.