STUEDDY

when dealing with finances-brainstorm with everyone in the household (buy-in) - do not try to control spouse's financial behavior - focus on goals progressive taxfederal and state income tax- if income increases, so does tax regressive taxcharge the same % of an item's cost, regardless of income (gas, liquor) flat or leveleveryone pays the same percent of income you have to file tax returns with the IRS unlessyou owe n tax or are due a refund types of tax assistancelocal IRS office (fre...

What is the ideal spending cycle? Earn / Save / Spend Which spending cycle is living "paycheck to paycheck"? Earn / Spend / Earn / Spend Which spending cycle claims to prioritize saving but rarely has any left? Earn / Spend / Save Which spending cycle relies on debt to maintain their lifestyle? Earn / Spend / Borrow / Spend What is money avoidance? Money is viewed as the root of evil and undeserved. What is money worship? Money equals happiness and is the solution for all problems. Wha...

Which spending cycle is the preferred one to be in?Earn/Save/Spend concious mindleft hemisphere, center for processing sensory info unconscious mindRight hemisphere, autonomic processing Hard approachleft/analytic side, assertive/orderly/straightforward Soft approachRight/creative side, offers possibilities and suggestions Johari Window Zonesopen, blind, hidden, unknown OpenInformation is known by both parties Blindcounselor knows info that member doesn't HiddenMember knows info that th...

Gel mask are used for? Sensitive and dehydrated skin In a thermal service what is the best comb to use? Hard rubber When the hair has a high amount of melanin it is hard to..? Lighten What type of end wrap provides a better grip of the hair? Double wrap What is a tip made off? Plastic What part of the hair gives blood and nutrients? Dermal papilla When waxing which direction do you put the wax? Direction of hair growth What does demi-permanent not do? Lighten the hair You can shave if th...

Select the statement that correctly describes a progressive tax. A progressive tax requires people to pay more as they earn more. What is the name of the organization that offers free tax assistance to taxpayers age 60 or older, those with disabilities or special needs, or who qualify for earned income or homestead tax credits? Tax Counseling for the Elderly (TCE) What percent of tax payers are eligible to use the "Free File Online" service offered as a partnership between the IRS an...

LienIf a debtor files a _________ on your property you will will unable to sell or dispose of it without arrangements on the debt. Poor financial habitsSpending too much, saving too little, carrying too much debt, reliance on othersm and caring to little about finance. Money avoidanceThe view that money us evil or undeserved Money worshipThe belief that money is synonymous with happiness and success Money statusAssociates wealth with self-worth. Money VigilancePerceived need for secrecy...

TRUE or FALSE: Receiving a medical bill affects your credit scoreFalse TRUE or FALSE: Divorce has a direct impact on credit scoreFalse Student loan refinancing makes sense when the member has:1. High interest rates on existing loans 2. Steady income 3. Above-average credit score Members need to communicate ______ to creditorsCalmly What is the first step to help facilitate productive money conversations with couples/families?Individually write down goals What are the 5 C's of credit?...

Major Geographic Categories-World -Continent -Sub-Continent -Country -Market -Tract or Submarket Continents-4 -Americas, Europe, Mideast/Africa and Asia Pacific Sub-Continents-4 for each continent When it comes to recognizing countries...STR uses the UNWTO definition ______ countries with one or more hotels211 ______ countries with 50,000 rooms or more42 Territories such as the U.S. Virgin Islands and Puerto Rico would appear as...separate countries

What was the first chain Holiday Inn What type of company has a contract where it receives payment and/or some portion of profits? Management Company What are the 2 top markets in the U.S.? Orlando, FL Chicago, IL What are the top 2 U.S. Metro Markets by number of properties? Chicago, IL Orlando, FL What is the top U.S. Metro Market by occupancy? Fort Lauderdale, FL What is the top U.S. Metro Market by average daily rate? Chicago, IL What market is reviewed annually? Worldwide Markets...

resident manager the manager in a large hotel who is directly responsible to the GM for the property's operating departments line departments Hotel divisions in the "chain of command" that are directly responsible for revenues (such as front office and food and beverage) or for property operations (such as housekeeping and the property operation and maintenance departments) staff departments Hotel divisions that provide technical, supportive assistance to line departments. Examples ...