A long-term savings strategy is most useful for people who want to: OA. withdraw their savings to pay for unexpected expernses.
OB. increase the value of their investments as much as possible.
OC. avoid putting their money into banks or credit unions.
OD. create a household budget that uses all of their monthly income.

Martin, a 32-year-old human relations administrator at a university, believes that all professors over age 50 are incapable of learning the new educational technologies and are content to keep presenting their same "tired, boring" lectures. he often expresses these views to other administrators and does not encourage any of the "older" faculty members to attend professional development meetings related to new teaching approaches nor does he suggest that the university send them to any of the technology conferences. martin is exhibiting

An employee of the state government always received his state paycheck on the last workday of the month. the employee was not a good money manager, and just barely managed to make it from paycheck to paycheck each month. on the second to the last workday of the month, the employee had $45 in his checking account, and, needing to buy a birthday gift for his sister, he wrote a check to a gift boutique for $100. he knew that he would be receiving his paycheck the next day, so he could deposit the paycheck before the check would be sent to the bank. however, unbeknownst to the employee, the state legislature was having a budget impasse. because the state constitution prohibited any deficit spending, state employees were not paid as usual. without a paycheck to deposit, the check written to the gift boutique was returned for insufficient funds. the merchant complained to the police, who arrested the employee and charged him under a statute that prohibited "issuing a check knowing that it is drawn against insufficient funds, with intent to defraud the payee of the check."what should be the outcome of the employee's prosecution? a not guilty, because the employee intended to deposit his paycheck the next day. b not guilty, because it was reasonable for the employee to expect that he would receive his paycheck as usual. c guilty, because the employee knew when he wrote the check that he did not have sufficient funds in his account to honor it. d guilty, because reliance on a future source of income does not vitiate the employee's violation of the statute when he wrote the check.

Alcohol is involved in about of all fatal highway accidents.