One-story houses have a larger ___________ than other designs, requiring a larger lot

This type of one-story house style has low-pitched roof, wide overhangs

Private Mortgage Insurance is usually a requirement to purchase alongside the buying of a home when the buyer lacks an equity of at least _.

Trick Question (Always a requirement)

Basic House Designs and Primary Residential Considerations

What is the page mainly about? (Answer: C — Homes meet a basic need) A) House colors B) Old buildings C) Homes meet a basic need ✓ D) Travel What basic need do homes give? (Answer: B — Shelter) A) Food B) Shelter ✓ C) Clothes D) Money What does “basic need” mean here? (Answer: C — Something people must have to live) A) Something nice to have B) A school rule C) Something people must have to live ✓ D) A weekend plan Homes keep people ______ and ______. What are the two words from the page? (Answer: B — dry / safe) A) rich / tall B) dry / safe ✓ C) loud / fast D) clean / funny What else are homes for, according to the text? (Answer: B — Eating, sleeping, and being with family and friends) A) Shopping B) Eating, sleeping, and being with family and friends ✓ C) Driving D) Fighting What does the heading “Meeting our needs” tell you? (Answer: B — explains how homes fit the local climate) A) A joke is coming B) This part explains how homes fit the local climate ✓ C) It is a story D) It lists prices What does “climate” mean on this page? (Answer: C — the usual weather of a place) A) Yesterday’s forecast B) A big storm C) The usual weather of a place ✓ D) Room temperature Which roof is best for cold, snowy places? (Answer: D — Slanted) A) Flat B) Dome C) Glass D) Slanted ✓ Why is a slanted roof helpful in snowy places? (Answer: B — snow slides off more easily) A) It is cheaper B) Snow slides off more easily ✓ C) Birds like it D) It is quieter Why do many houses in hot places have many windows? (Answer: B — to let air move through and keep people cool) A) To block all light B) To let air move through and keep people cool ✓ C) To make walls heavy D) To reduce street noise Which detail best supports “climate changes home design”? (Answer: C — Hot → many windows; Snowy → slanted roofs) A) People like blue walls B) Kitchens are big C) Hot → many windows; Snowy → slanted roofs ✓ D) Cities are crowded What does the caption about a traditional Japanese house show? (Answer: C — People sit on mats on the floor to eat) A) People eat outdoors B) Families don’t eat together C) People sit on mats on the floor to eat ✓ D) People stand to eat Which sentence is LEAST connected to the main idea of the page? (Answer: D — Blue walls are relaxing) A) Homes protect people from weather B) Roofs can change with climate C) Windows help rooms stay cool D) Blue walls are relaxing ✓ Which text structure organizes the right paragraph? (Answer: C — Cause–effect) A) Timeline B) Problem–solution C) Cause–effect ✓ D) Description only What is the author’s purpose? (Answer: B — to explain how homes meet a human need) A) To sell houses B) To explain how homes meet a human need ✓ C) To tell a funny story D) To give building laws What can you guess about a flat roof in a snowy place? (Answer: B — snow can pile up and be unsafe) A) Best choice B) Snow can pile up and be unsafe ✓ C) Always cheaper D) Warmer in summer Which page feature helps you find ideas quickly? (Answer: C — Headings and photo captions) A) Rhyme B) Dialogue C) Headings and photo captions ✓ D) Footnotes Which sentence is the best summary of the page? (Answer: C — Homes give shelter; designs change with climate) A) Houses are beautiful in winter B) People prefer bright colors C) Homes give shelter; designs change with climate (slanted roofs, many windows) ✓ D) Windows are the most important part True/False or Short Answer (5) True/False: All homes have the same purpose, even if they look different. (Answer: True) True/False: In hot places, houses usually have fewer windows to keep heat in. (Answer: False — hot places → many windows for airflow/cooling) Short Answer (1–3 words): Homes provide shelter to keep people _____ and _____. (Answer: dry; safe) Short Answer (one example): Write one climate → design pair from the page. (Answer: cold/snowy → slanted roof OR hot → many windows) True/False: The photo shows people in Japan eating on mats on the floor. (Answer: True)

News Opinion Sport Culture Lifestyle Show more Books Music TV & radio Art & design Film Games Classical Stage ‘Hollywood doesn’t do very much of that business, they have the nice sign, and everything’s good, but they don’t do very much,’ said Trump. View image in fullscreen ‘Hollywood doesn’t do very much of that business, they have the nice sign, and everything’s good, but they don’t do very much,’ said Trump. Photograph: Lucy Nicholson/Reuters Film ‘I’m not trying to hurt the industry’: Trump softens tone on movie tariffs California governor Gavin Newsom announces a $7.5bn tax incentive scheme as Trump’s announcement of 100% tariffs on films ‘produced in foreign lands’ is mocked by Jimmy Kimmel and Fallon Andrew Pulver Tue 6 May 2025 11.24 BST Share Donald Trump appears to be softening his tone after widespread dismay in Hollywood and further afield at his bombshell announcement of 100% tariffs on films “produced in foreign lands”, saying he was “not looking to hurt the industry”. In remarks reported by CNBC, Trump said he was planning to discuss the plan with film industry leaders. “I’m not looking to hurt the industry, I want to help the industry.” He added: “So we’re going to meet with the industry. I want to make sure they’re happy with it because we’re all about jobs.” Trump also took aim again at California state governor Gavin Newsom, saying the film industry “has been decimated by other countries taking them out, and also by incompetence, like in Los Angeles, the governor [Gavin Newsom] is a grossly incompetent man, he’s just allowed it to be taken away from”. Trump added: “Hollywood doesn’t do very much of that business, they have the nice sign, and everything’s good, but they don’t do very much.” Trump’s talk of film tariffs makes no sense, but it’s already doing damage – to Hollywood Peter Bradshaw Peter Bradshaw Read more Newsom responded with a statement saying: “Governor Newsom continues to champion California’s iconic film and television industry – recognising it as a cornerstone of the state’s economy, one that sustains hundreds of thousands of good-paying jobs across every sector around the state.” “His plan to more than double the state’s film and television tax credit reflects a commitment to keeping production here at home, supporting workers and maintaining California’s global leadership in entertainment. If the President announces a proposal with more details, we will review it.” Newsom had earlier responded to Trump’s announcement by proposing a $7.5bn federal tax incentive scheme, saying in a statement to Variety: “Building on our successful state program, we’re eager to partner with the Trump administration to further strengthen domestic production.” Tax incentive schemes in the US currently operate on a state-by-state basis, and Newsom had announced a plan in April to boost California’s to $750m. California senator Adam Schiff also condemned Trump’s tariff proposal while backing calls for a federal tax credit scheme, saying in a statement: “Blanket tariffs on all films would have unintended and potentially damaging impacts, [but] we have an opportunity to work together to pass a major federal film tax credit to re-shore American jobs in the industry.” Late night TV hosts Jimmy Kimmel and Jimmy Fallon also joined the chorus of dismay and bafflement at Trump’s plan. Commenting that Trump was “now aiming his wrecking ball at Hollywood”, Kimmel questioned whether foreign-made movies were a “national security threat” as Trump claimed. “I don’t care where they’re made. I really don’t. I guess it’s what the late, great Hannibal Lecter would’ve wanted. Sonic, the illegal immigrant hedgehog, is a national security threat and he must be stopped!” Kimmel also mocked actor Jon Voight’s role in Trump’s thinking, saying: “This is where he reportedly got the tariff movies idea – from Angelina Jolie’s 86-year-old father she won’t talk to. What a great idea. Next year, The White Lotus is gonna be set at a Hampton Inn.” Fallon also took aim at Trump’s implication that foreign locations were somehow taboo, saying: “Gonna be fun seeing the next Lord of the Rings filmed in Bayonne, New Jersey,” adding: “If you don’t like that, you can also watch Emily in Des Moines [instead of Emily in Paris]. It’s just as charming.” Explore more on these topics Film Film industry Donald Trump Trump tariffs Gavin Newsom Jimmy Kimmel Jimmy Fallon news Share Reuse this content Most viewed Live German parliament votes again on Merz’s bid to be chancellor after humiliating first round – Europe live Trump and Carney to meet at White House in closely watched encounter Mushroom lunch’s sole surviving guest details deadly meal and its aftermath as trial of Erin Patterson continues ‘It’s the misogyny slop ecosystem!’ How Candace Owens and the American right declared war on Blake Lively Wisconsin woman missing for more than 60 years found ‘alive and well’

15 Questions with basic Vocabulary weather, food , family AND parts of the house

Chapter 7 Study Guide Answers What does the Bill of Rights do? The Bill of Rights lists our basic rights. Who is the person mainly responsible for the Bill of Rights? James Madison is the person mainly responsible for the Bill of Rights. The Bill of Rights is part of which document? The Bill of Rights is part of the United States Constitution. Whose job is it to protect our rights listed in the bill of rights? It is the job of the federal courts (judicial branch) to protect our rights. What are the five rights listed in the first amendment? Freedom of speech: includes symbolic speech; does not include speech that could endanger the public safety. Religion: Right to believe whatever you want, but you can’t do whatever you want in the name of religion (can’t break the law). Press: The free flow of information and ideas; can’t print lies or information that could be helpful to an enemy in wartime. Assembly: Use public property for meetings and demonstrations (i.e. parades, protests, political rallies). Must be done legally and peaceably. Right to petition: Means you can appeal to the government if you’re unhappy about something or some policy. Give one example of speech NOT protected under the first amendment. An example of speech not protected under the first amendment would be crying “fire” in a crowded movie theater (anything that could potentially endanger the public safety). What does the second amendment give us the right to? The second amendment gives us the right to bear arms. What does the third amendment state we are not legally obligated to do? Under the third amendment, we are not obligated to quarter (or house) soldiers in our homes. What does the fourth amendment protect us from? The fourth amendment protects us from unreasonable search and seizure. What is needed in order to search or seize property? A warrant is needed, which must be issued by a judge, in order to search and seize property. What five rights are we guaranteed under the Fifth Amendment? Right to a grand jury: determines whether or not the government has enough evidence to bring someone to trial. Double jeopardy: Once a person has been found not guilty, he cannot be tried again for the same crime. Self incrimination: A person has the right to remain silent; he does not have to testify against himself. Due process: The government must follow a clear set of rules (a process) as it carries out the law and takes your life, liberty, or property. Just compensation: If the government has to take someone’s land, they will offer a fair price. What is the right stated in the “Miranda Warning”? The main right stated in the “Miranda Warning” is the right to remain silent. What are the four rights stated under the sixth amendment? Right to a speedy and public trial, and an impartial jury. Right to a jury of people that live in the defendant’s area (jury of your peers). To hear and question all witnesses Right to an attorney As stated in the seventh amendment, we have the right to which type of trial depending on how much money a person is being sued for? What can a judge NOT do? Under the seventh amendment, we have the right to a jury trial depending on how much money is at stake in a civil trial. A judge cannot overturn a decision made by a jury. What are the four things that are prohibited under the eighth amendment? The four things that are prohibited (or not allowed) under the eighth amendment are: excessive fines, excessive bail, cruel and unusual punishments, and poor prison conditions. Under the ninth amendment, rights not listed in the Bill of Rights belong to whom? According to the ninth amendment, rights not listed in the Bill of Rights belong to the people. The tenth amendment states that powers not given to the national government are reserved for whom? According to the tenth amendment, powers not specifically given to the national government are reserved for the people and the states. What is meant by the term “double jeopardy”? The term “double Jeopardy” refers to a person being retried for a crime in which he has already been acquitted, or found “not guilty”. What does it mean to be indicted by a grand jury? To be indicted by a grand jury means that a person will be going to trial and will retain all of the rights listed in the fifth, sixth, seventh, and eighth amendments.

Write 5 multiple choice questions for the following transcript ...Setting goals and budgeting. [tranquil music] Getting where you want to be involves three important skills. Setting realistic goals, knowing your net worth, and budgeting. [energetic music] Setting goals is a way to get control of your life. A goal is not the same as a dream. It's not pie in the sky stuff. It's something that's achievable and it comes with a time frame. If you have a big goal, like buying a house in five years' time, you might need a plan that involves a whole series of mini goals to get you there in stages. The important is finding something you know you can do. Most people find longterm goals hard to stick to. Don't worry about it. If 10 years seems too far away, set your horizons a little closer. Give yourself a set sum of money to save in the next few years. You can use it as a springboard to get to your next goal and it'll get you in the savings habit. Changes in your life circumstances may also affect your goal, so use this opportunity to review them. Think about your financial goals when you have some quiet time. It may sound a little obsessive, but write down what they are and how you're going to achieve them. Be specific, be realistic, and always, always keep your goals within reach. Achieving a goal is a great excuse to celebrate, so don't forget to reward yourself for your achievement. [energetic music] Imagine if tomorrow you had to sell everything you own and pay off everything you owe the bank or anyone else, would you be left with much? Would you be left with anything? That figure is called your net worth. It's a measure of your actual financial wealth and growing it over time is what getting sorted is all about. Use Sorted's net work calculator to find out where you're at. Decide what you want your net worth to be in a year's time. Think about your cash and other assets and work out how you might get there. Monitoring and growing your net worth over time is the thing that will eventually get you to retirement in good shape. [energetic music] Budgeting is another one of those, I can't believe I didn't do something so basic, type of things. Do a budget. Stick to it and you're in control. There are two approaches to budgeting. The first is what we call cold turkey. Each time you get paid, you work out what you need to pay for all your essentials. Use Sorted's budget calculator to do this. You then take the rest and put it straight into savings. Going cold turkey on all those other things that you usually throw your money away on. Be realistic with your savings. Don't be too hard on yourself as it could take time for you to get into the saving habit. But if you remove the temptation to spend, you'll improve your financial position each month. If that seems a bit rigorous, try the alternative nip and tick approach. Do a budget using Sorted's budget calculator and then take a hard look at where your money's going. We're prepared to bet there's a nip here and a tuck there that will result in savings and every month you save, you increase your net worth. So go to it. ChatGPT What are the three important skills needed to achieve your financial goals? A) Budgeting, investing, and saving B) Setting realistic goals, knowing your net worth, and budgeting C) Planning, tracking, and monitoring How can you make a big goal more achievable? A) By dreaming about it often B) By breaking it down into a series of mini goals C) By setting a longer time frame What is net worth? A) The amount of money you have in savings B) The value of everything you own minus what you owe C) The amount of money you earn each year What are the two approaches to budgeting mentioned in the transcript? A) Cold turkey and warm turkey B) Nip and tuck and cold turkey C) Nip and tick and warm turkey How can you increase your net worth every month? A) By dreaming about your financial goals B) By sticking to a budget and removing the temptation to spend C) By investing in high-risk stocks

Create me a multiple choice test questions with 4 options on the following topic:Consumer Education for Different Audience 1. Children and Youth: - Focus: Building foundational knowledge about basic consumer concepts, making safe choices, understanding money and value, and recognizing scams and unsafe situations. 2. Teens and Young Adults: - Focus: Building financial literacy, responsible debt management, understanding contracts and agreements, responsible technology use, online safety, and consumer rights. 3. Working Adults and Families: - Focus: Managing budgets, making informed purchasing decisions, understanding credit and debt, finding consumer protection resources, and navigating complex financial products (mortgages, insurance, investments). 4. Seniors: - Focus: Protecting themselves from scams and fraud, understanding common consumer issues like telemarketing, identity theft, and online scams, managing medications and healthcare costs, and accessing community resources. 5. Special Populations: - Focus: Adapting consumer education programs to the specific needs of people with disabilities, immigrants, refugees, and other marginalized communities. 6. Business and Industry:- Focus: Understanding ethical marketing practices, complying with consumer protection laws, and providing clear and accurate information to consumers. 7. Policymakers and Regulators: - Focus: Understanding consumer needs, developing effective consumer protection laws, enforcing regulations, and ensuring a fair and competitive marketplace. Adapting consumer education programs for children, teens, and seniors requires tailoring content and delivery methods to their unique needs and learning styles. Children (Ages 5-12): - Understanding the concept of money: Teaching children about saving, spending, and the value of money. - Developing basic budgeting skills: Helping children learn to make choices about how to spend their allowance or pocket money. EFFECTIVE STRATEGIES •Focus on basic concepts: Introduce core concepts like saving, spending, and budgeting in a fun and engaging way. Use simple language and relatable examples. •Real-life scenarios: Use age-appropriate scenarios to illustrate financial concepts, like buying toys or snacks. •Parental involvement: Encourage parent participation and provide resources to help them reinforce lessons at home. Teens (Ages 13-18): - Building budgeting and financial planning skills: Teaching teens how to manage their money, set financial goals, and plan for the future. - Navigating the digital marketplace: Equipping teens with the knowledge and skills to make safe and informed online purchases, understand digital marketing, and protect themselves from scams. EFFECTIVE STRATEGIES • Practical skills: Focus on skills relevant to teens, like managing money for social activities, saving for college, and understanding credit cards. • Digital literacy: Address the growing influence of online shopping, social media advertising, and financial scams. • Real-world applications: Connect financial concepts to real-life decisions teens make, like choosing a part-time job or making purchases online. Seniors (Ages 65+) - Managing retirement savings and healthcare costs: Providing information and resources on retirement planning, Medicare and Medicaid, and other healthcare options. - Navigating the digital world: Offering technology training and resources to help seniors access online services and information safely and securely. EFFECTIVE STRATEGIES • Addressing specific concerns: Focus on topics relevant to senior citizens, like retirement planning, managing healthcare expenses, and avoiding scams. • Clear and concise communication: Use simple language and visual aids to ensure easy understanding. • Social interaction: Create opportunities for seniors to share experiences and learn from each other. Teaching Financial Literacy in school and Communities In Schools: Curriculum Integration: Financial literacy concepts can be seamlessly integrated into existing subjects, making learning more relevant and engaging. - Math: Budgeting exercises, calculating interest rates, analyzing financial data, and understanding compound interest are all natural applications of math skills. - Social Studies: Exploring the history of money, financial institutions, economic systems, and the impact of financial decisions on society provide valuable context. - Economics: Discussions about supply and demand, inflation, investment, and the role of consumers in the economy enhance financial literacy. Dedicated Courses: Offering elective courses or workshops specifically focused on personal finance provides deeper dives into crucial topics. - Personal Finance: Cover budgeting, saving, investing, credit, debt management, and insurance. - Entrepreneurship: Introduce concepts like business planning, marketing, financial forecasting, and managing cash flow. In Communities: Community Centers and Libraries: Workshops, seminars, and classes tailored to adults and families provide accessible learning opportunities. - Financial Planning: Cover budgeting, retirement planning, debt management, and estate planning. - Homeownership: Provide guidance on buying, selling, and maintaining a home. - Consumer Protection: Educate individuals about their rights and how to avoid scams. Partnerships with Financial Institutions: Collaborations with banks, credit unions, and financial advisors offer valuable resources, workshops, and financial literacy programs. Consumer Education for Low-Income and Vulnerable Populations Low-income refers to individuals or households with limited financial resources, typically below a certain threshold. Low-income individuals may face challenges like: 1. Limited education and job opportunities 2. Poor living conditions and housing 3. Food insecurity and malnutrition Causes of low income: 1. Unemployment or underemployment 2. Low-paying jobs or minimum wage 3. Limited education or skills 4. Single parenthood or large family size Vulnerable population'' is a term that is used to describe a group of people who possess some sort of disadvantage. elderly people, people with low incomes, homeless people, people in prison, migrant workers, pregnant women, Family Consumer Education: Managing Household Finances and Resources Financial literacy is the ability to understand and manage personal finances effectively. 1. Debt Debt is money you spend that isn’t yours. If you borrow money from the bank, use a credit card, or take out a short-term loan, or a payday loan, you are accumulating debt. Good debt is considered money borrowed for things that are absolutely necessary for making a life e.g. a house and for advancing your money-making potential e.g. an education. Bad debt is considered borrowing money or using a credit card to pay for things you don’t need, such as expensive clothes, hi-tech electronics, eating out at restaurants, going on holidays, etc. 2. Saving Saving is an essential part of financial wellness, a secure present, and a happy future. 3. Budgeting Budgeting is the life skill of planning and managing your money. By understanding exactly where your money goes every month, you are empowered to create an actionable plan by which you can spend less, by curtailing those unnecessary expenses and saving more for the things you need and want. 4. Investing Investing is all about creating and growing the wealth you need to enjoy a financially secure and happy future. It’s about putting your money into something that will make you a profit over time, such as property, retirement funds, and unit trusts Integrating Consumer Education into the Home Economics Curriculum. Integrating consumer education into the home economics curriculum can provide students with essential skills for making informed choices about their personal finances, food, clothing, and overall well-being. Here are some strategies and ideas for effectively incorporating consumer education: Financial Literacy Budgeting: Teach students how to create and manage a personal budget, including setting financial goals, tracking expenses, and understanding savings. Saving and Investment: Cover the basics of saving, including different saving accounts, and introduce concepts related to investing. Food and Nutrition Food Label Literacy: Engage students in learning how to read and interpret food labels, including nutrition facts and ingredient lists. Grocery Shopping Skills: Teach students how to compare product costs, understand unit pricing, and make healthy, budget-friendly choices while shopping. Clothing and Textile Education Consumer Choices in Clothing:Discuss factors influencing clothing purchases, such as quality, price, and sustainability. Fashion and Trends: Analyze the impact of marketing and advertising on consumer behavior regarding clothing. Sustainable Purchasing Eco-Friendly Choices: Raise awareness about environmentally friendly products and the importance of sustainability in consumer choices. Project-Based Learning - Assign real-life projects where students must apply their knowledge, such as creating a meal plan within a budget, planning a shopping list based on nutrient needs, or evaluating the cost-effectiveness of different products. Technology Integration - Use technology to teach students about online shopping, price comparison websites, and apps that aid budgeting and financial planning. Collaborative Learning Opportunities - Organize team projects where students work together to solve consumer-related problems, emphasizing teamwork and communication skills. Assessment and Reflection - Incorporate assessments that allow students to reflect on what they have learned about consumer education and how they can apply these skills in their daily lives.

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