1. Counselors need to observe cues.: Nonverbal
2. Counselors use to create a feeling of connection with a
member by matching physical characteristics and unconscious movements.-
: Pacing
3. Counselors use to display communication patterns thatmatch a
member's, such as speech rate, tone, and vocabulary.: Blending
4. Counselors say they need to learn more. "I would like to know more aboutwhy you opened
a new credit card".: Declarative lead
5. Counselors direct members to tell them more. "Tell me why that is impor-tant to you".
Give members time to think.: Imperative lead
6. Counselor selects a sentence or other information offered by the member,restates it, and
waits for the member to respond.: Selective restatement
7. Approach that helps to overcome barriers to communication about finan- cial topics. May
overcome resistance by using humor, metaphors, or personalstories.: Soft approach
8. This approach is often assertive and may sometimes be perceived as aggression. Reason
and logic tend to dominate.: Hard approach
9. Helps members cope with debt they cannot afford or poor money manage- ment. Often
required because a member faces a financial emergency.: Reme-dial Counseling
10. Helps members identify the best way to use their resources to improve their financial
status. Often needed when someone suddenly acquires assets.-
: Productive Counseling
11. Helps members with good financial habits manage financial challengesdue to life
changes. Can also be used to prepare members for a large pur- chase.: Preventive Counseling
12. What are the essential counseling elements?: Budget, credit, debt, financialplanning.
13. Vital Counselor Skill - Use questions to help engage members in the process so they
discover information for themselves.: Ask perceptive questions
14. Vital Counselor Skill - Observe every aspect of a member's attempts tocommunicate.:
observe nonverbal cues
15. Vital Counselor Skill - Offering input from an objective outsider to recognize patterns of
poor habits and attitudes that are barriers to successfulfinancial management.: Help members
assess behaviors and attitudes
16. Vital Counselor Skill - Showing one understands a member's situation, while refraining
from excusing poor financial practices.: Express empathy formembers
17. Vital Counselor Skill - Help members excessive and unnecessary spend-ing.: Assist
, members to identify needs and wants
18. Vital Counselor Skill - Help members with basic skills and refer them toclasses or
agencies that can also help.: Explore money management skills
19. Vital Counselor Skill - Using creativity to persuade members to share alldetails of their
financial situation.: Assemble a complete financial picture
20. Vital Counselor Skill - Help members to create a plan to manage spending,pay down debt,
and build savings.: Develop a workable budget
21. Vital Counselor Skill - Member must be willing to implement their workablebudget.: Gain
agreement on budget and money
22. Vital Counselor Skill - Offer members options to help them succeed.: Sug-gest workable
approaches and potential solutions
23. Vital Counselor Skill - Remind members why they are making such changes. Continually
direct members towards positive results of personal changes to keep them engaged.: Motivate
members to implement spending plan
24. If a debtor files a on your property you will will
unable to sell ordispose of it without arrangements on the debt.: Lien
25. Spending too much, saving too little, carrying too much debt, reliance onothersm and
caring to little about finance.: Poor financial habits
26. The view that money us evil or undeserved: Money avoidance
27. The belief that money is synonymous with happiness and success: Moneyworship
28. Associates wealth with self-worth.: Money status
29. Perceived need for secrecy about one's financial wellness.: Money Vigilance
30. Living paycheck to paycheck.: Earn/spend/earn
31. How do you combat earn/spend/earn patterns?: Dividing paycheck into spe-cific
spending categories. "Capturing" money before it can be spent.
32. Confuse wants with needs. Relying on debt to establish and maintain thestandard of
living they feel they deserve.: Earn/spend/borrow/spend
33. Savings is low priority. Rarely enough money.: Earn/spend/save
34. How can you combat Earn/spend/save patterns?: Identify reasons to save.
35. Pay yourself first. Saving money immediately. Budget and spend what isleft.:
Earn/save/spend
36. Learned patterns, parents, society, creditors, lenders are examples of
.: behavioral influences
37. Financial counselors should seek to help members theirperspective to see other
possibilities that could improve their financial health.-