General Instructions: Read and carefully analyze all the questions, then write the correct answer before each number. 1. It is the primary definition of mountaineering. A. A competitive sport only B. A survival training program C. A professional climbing activity D. An outdoor recreational activity involving mountain climbing and hiking 2. Who claimed the prize money for ascending Mont Blanc? A. Horace-Bénédict de Saussure B. Jacques Balmat 3. One of the original purposes of mountaineering is A. To build altars B. To create tourist attractions C. Michel-Gabriel Paccard and Jacques Balmat D. The Swiss guides C. To establish climbing schools D. To establish hiking trails 4. What should be packed at the bottom of a backpack? A. First aid kit B. Food supplies C. Heavy equipment D. Sleeping bag 5. Which items should be kept in outside pouches for easy access? A. Cooking equipment B. Extra clothing C. Maps, flashlight, first aid kit, and trail snacks D. Sleeping bag and tent 6. This equipment is considered essential for communication during mountaineering A. Internet device 7. This type of footwear provides the most support for mountaineering B. Satellite phone only A. Backpacking boots B. Hiking shoes B. 1760 8. When was Mont Blanc first successfully climbed? A. 750 C. Signal flares D. Two-way radio/cell phones with extra batteries C. Regular boots D. Trail runners. C. 1800 D. 1786 C. Rock Climbing C. Mountaineering 9. It is used to refer to an area of land when you are considering its physical features. A. Ice Climbing B. Regular Terrain B. Hiking & Trekking D. Rocky Areas 10. A combination of mountain climbing and hiking with the goal of reaching the top of a mountain. A. Camping D. Orienteering 11. It is the most used frame type for mountain climbing. Your back is closed and the majority of your weight is centered, high between your shoulder blades: A. External Backpack B. Front Backpack B. Hiker C. Internal Backpack 12. A person who enjoys doing their comfort zone and learning new skills in the mountains. A. Climber C. Mountaineer D. Side Backpack D. Trekker 13. Mountaineering is an outdoor activity that involves hiking, rock climbing, ice climbing or otherwise climbing mountains and reaching high altitudes. Who Can do mountaineering? A. Adult B. Anyone C. Professional 14. For what reason mountaineering is seen as a group activity? A. In order to prevent boredom throughout the mountain hike B. To meet other people and make friends C. You can ask your companions in case of emergency D. All of the above 15. A style of footwear that is more adaptable and flexible for mountain climbing? A. Backpacking Boot B. Black Shoes C. Hiking Shoes 16. Which of the following describes the benefits of mountaineering? A. Improve your Physical Fitness & Cardiovascular Fitness B. Improves Personal Confidence C. Teamwork Skills D. All of the Above D. Teenagers D. Rubber Shoes 17. You need to choose between organizing a hike and a trek for your community. Which factor should you Consider differentiating them? A. The availability of modern equipment B. The duration and physical demands of the activity C. The number of participants D. The popularity of the activity 18. A senior high student is planning a weekend outdoor activity and is unsure whether to call it a hike or a trek. Which term best applies to a short , local outdoor walk? A. Adventure B. Camping C. Hike D. Trek
Answer (1)
Answer:Practical Steps to Enhance Financial Literacy Financial literacy is the ability to understand and manage your money effectively. It's a crucial skill for everyone, regardless of income level. Here are practical steps you can take to improve your financial literacy: 1. Setting Financial Goals - Define your goals: What do you want to achieve financially? This could be saving for a down payment on a house, paying off debt, or building an emergency fund. - Make them specific and measurable: Instead of saying "I want to save money," say "I want to save $10,000 in the next two years." - Set a timeline: Having a deadline will help you stay motivated and on track. 2. Developing a Spending Plan (Budget) - Track your spending: Use a budgeting app, spreadsheet, or notebook to record every expense. - Categorize your expenses: This will help you identify areas where you can cut back. - Allocate your income: Determine how much money you'll spend on essentials (housing, food, transportation), discretionary spending (entertainment, dining out), and savings. 3. Review and Analyze Your Spending - Compare your actual spending to your budget: Are you sticking to your plan? - Identify areas where you can save: Can you negotiate lower bills, find cheaper alternatives, or cut back on unnecessary expenses? - Adjust your budget as needed: Your financial situation may change over time, so be flexible and adapt your budget accordingly. 4. Take Action - Make adjustments to your spending habits: If you're overspending in certain areas, take steps to reduce your spending. - Automate your savings: Set up automatic transfers from your checking account to your savings account. - Pay off debt: Prioritize paying off high-interest debt. 5. Importance of Saving - Emergency fund: This is a safety net for unexpected expenses, such as medical bills or job loss. Aim to save 3-6 months' worth of living expenses. - Retirement: Start saving early and often. The sooner you begin, the more time your money has to grow. - Future events: Save for major life events, such as a wedding, a down payment on a house, or your children's education. 6. Instability of Social Security - Don't rely solely on Social Security: It's important to have other sources of income for retirement. - Consider other retirement savings options: 401(k)s, IRAs, and Roth IRAs can help you build a comfortable retirement nest egg. 7. A Little Goes a Long Way - Every dollar counts: Even small amounts of money can make a difference over time. - Start small and gradually increase your savings: Don't be discouraged if you can't save a lot at first. Every little bit helps. By taking these steps, you can improve your financial literacy and build a secure financial future. Remember, it's a journey, not a destination. Be patient, persistent, and consistent with your efforts[__LINK_ICON].
