FICEP | TOP SCORES MADE SIMPLE | TRUSTED TEST
SOLUTIONS!
QUALITY CONTENT YOU CAN RELY ON!
Lien Answer: If a debtor files a _________ on your property you will will unable to sell or
dispose of it without arrangements on the debt.
Poor financial habits Answer: Spending too much, saving too little, carrying too much debt,
reliance on othersm and caring to little about finance.
Money avoidance Answer: The view that money us evil or undeserved
Money worship Answer: The belief that money is synonymous with happiness and success
Money status Answer: Associates wealth with self-worth.
Money Vigilance Answer: Perceived need for secrecy about one's financial wellness.
Earn/spend/earn Answer: Living paycheck to paycheck.
Dividing paycheck into specific spending categories. "Capturing" money before it can be
spent. Answer: How do you combat earn/spend/earn patterns?
Earn/spend/borrow/spend Answer: Confuse wants with needs. Relying on debt to
establish and maintain the standard of living they feel they deserve.
Earn/spend/save Answer: Savings is low priority. Rarely enough money.
Identify reasons to save. Answer: How can you combat Earn/spend/save patterns?
Earn/save/spend Answer: Pay yourself first. Saving money immediately. Budget and spend
what is left.
behavioral influences Answer: Learned patterns, parents, society, creditors, lenders are
examples of ______________ ________________.
Expand Answer: Financial counselors should seek to help members ______________ their
perspective to see other possibilities that could improve their financial health.
Conscious mind Answer: Correlates to the left hemisphere. Orderly and systematic center
for processing info provided by the senses. Directed with a focused activity.
Unconscious mind Answer: Correlates to the right hemisphere and provides autonomic
processing, which controls functions of the body that continually work in the background
such as breathing.
1
APPHIA - Crafted with Care and Precision for Academic Excellence.
, Hard Approach Answer: Correlates to the left, analytical side. Communicates in ways that
are orderly, specific, and straight-forward. Often assertive.
Soft Approach Answer: Correlates with the right, creative side. Offers possibilities and
suggestions. Avoids absolutes or directives.
Open Answer: Term for information that is known to a counselor and member.
Blind Answer: Information a counselor knows and a member does not.
Hidden Answer: Information the member knows and chooses not to share.
Remedial counseling Answer: Type of counseling that helps members cope with debt they
cannot afford or poor management. Often required in financial emergencies.
Preventive counseling Answer: Type of counseling that helps members with good financial
habits manage financial challenges due to life changes. Can be used to prepare members
for a large purchase.
Productive counseling Answer: Type of counseling that helps members identify the best
way to use their resources to improve their financial status. Often needed when someone
suddenly acquires assets.
Budget Answer: Used to determine how funds will be allocated and makes it possible to
restrain spending so money is available to meet living expenses, repay debt, and meet
other goals.
Perceptive Answer: Counselors must ask _______________ questions. These are the key to
helping members recognize attitudes and practices that undermine their financial status.
Nonverbal Answer: Counselors need to observe __________________ cues.
Pacing Answer: Counselors use _____________ to create a feeling of connection with a
member by matching physical characteristics and unconscious movements.
Blending Answer: Counselors use ____________ to display communication patterns that
match a member's, such as speech rate, tone, and vocabulary.
Declarative lead Answer: Counselors say they need to learn more. "I would like to know
more about why you opened a new credit card".
Imperative lead Answer: Counselors direct members to tell them more. "Tell me why that is
important to you". Give members time to think.
2
APPHIA - Crafted with Care and Precision for Academic Excellence.
SOLUTIONS!
QUALITY CONTENT YOU CAN RELY ON!
Lien Answer: If a debtor files a _________ on your property you will will unable to sell or
dispose of it without arrangements on the debt.
Poor financial habits Answer: Spending too much, saving too little, carrying too much debt,
reliance on othersm and caring to little about finance.
Money avoidance Answer: The view that money us evil or undeserved
Money worship Answer: The belief that money is synonymous with happiness and success
Money status Answer: Associates wealth with self-worth.
Money Vigilance Answer: Perceived need for secrecy about one's financial wellness.
Earn/spend/earn Answer: Living paycheck to paycheck.
Dividing paycheck into specific spending categories. "Capturing" money before it can be
spent. Answer: How do you combat earn/spend/earn patterns?
Earn/spend/borrow/spend Answer: Confuse wants with needs. Relying on debt to
establish and maintain the standard of living they feel they deserve.
Earn/spend/save Answer: Savings is low priority. Rarely enough money.
Identify reasons to save. Answer: How can you combat Earn/spend/save patterns?
Earn/save/spend Answer: Pay yourself first. Saving money immediately. Budget and spend
what is left.
behavioral influences Answer: Learned patterns, parents, society, creditors, lenders are
examples of ______________ ________________.
Expand Answer: Financial counselors should seek to help members ______________ their
perspective to see other possibilities that could improve their financial health.
Conscious mind Answer: Correlates to the left hemisphere. Orderly and systematic center
for processing info provided by the senses. Directed with a focused activity.
Unconscious mind Answer: Correlates to the right hemisphere and provides autonomic
processing, which controls functions of the body that continually work in the background
such as breathing.
1
APPHIA - Crafted with Care and Precision for Academic Excellence.
, Hard Approach Answer: Correlates to the left, analytical side. Communicates in ways that
are orderly, specific, and straight-forward. Often assertive.
Soft Approach Answer: Correlates with the right, creative side. Offers possibilities and
suggestions. Avoids absolutes or directives.
Open Answer: Term for information that is known to a counselor and member.
Blind Answer: Information a counselor knows and a member does not.
Hidden Answer: Information the member knows and chooses not to share.
Remedial counseling Answer: Type of counseling that helps members cope with debt they
cannot afford or poor management. Often required in financial emergencies.
Preventive counseling Answer: Type of counseling that helps members with good financial
habits manage financial challenges due to life changes. Can be used to prepare members
for a large purchase.
Productive counseling Answer: Type of counseling that helps members identify the best
way to use their resources to improve their financial status. Often needed when someone
suddenly acquires assets.
Budget Answer: Used to determine how funds will be allocated and makes it possible to
restrain spending so money is available to meet living expenses, repay debt, and meet
other goals.
Perceptive Answer: Counselors must ask _______________ questions. These are the key to
helping members recognize attitudes and practices that undermine their financial status.
Nonverbal Answer: Counselors need to observe __________________ cues.
Pacing Answer: Counselors use _____________ to create a feeling of connection with a
member by matching physical characteristics and unconscious movements.
Blending Answer: Counselors use ____________ to display communication patterns that
match a member's, such as speech rate, tone, and vocabulary.
Declarative lead Answer: Counselors say they need to learn more. "I would like to know
more about why you opened a new credit card".
Imperative lead Answer: Counselors direct members to tell them more. "Tell me why that is
important to you". Give members time to think.
2
APPHIA - Crafted with Care and Precision for Academic Excellence.
