Marriage And Family Final

Front 1

The term sexuality refers primarily to one's:

Back 1

beliefs, values, and behaviors regarding sex.

Front 2

Of the following, who believes that the gender they were assigned at birth is an incomplete understanding of their gender?

Back 2

transgender people

Front 3

Compared to other cultures, the frequency of sexual intercourse in America:

Back 3

is about average.

Front 4

Current research indicates what percentage of people has had sex before marriage:

Back 4

95%

Front 5

When it comes to sexuality in later years, an AARP study of people 45 years and older indicates more than half the people:

Back 5

are extremely/somewhat satisfied.

Front 6

Miller et al. (2001) determined that sexual permissiveness was highest among teenagers who saw their parents as:

Back 6

not strict.

Front 7

What is related to alcohol use among college students?

Back 7

having multiple or casual sex partners
B) failing to discuss risk issues before sex
C) inconsistent use of condoms

Front 8

In 2008, ________ people were newly infected with HIV.

Back 8

2.7 million

Front 9

Approximately 750,000 teen pregnancies occur each year, and ____ percent of these are unintended.

Back 9

82

Front 10

The comprehensive approach to sex education

Back 10

A) stresses abstinence and responsible decision making
B) offers information on contraception
C) offers information on avoiding sexually transmitted infections

Front 11

The United States has a lower rate of teen pregnancy than other industrialized nations.

Back 11

False

Front 12

Teens that had sex between 1995 and 2002 were much less likely to use birth control than teens that had sex prior to 1990.

Back 12

False

Front 13

In a recent study of older Americans, more than half indicated sexual activity contributed to their way of life.

Back 13

True

Front 14

Most adults favor sex education courses that present information on birth control.

Back 14

True

Front 15

Open parent-child communication appears to have little effect on the contraceptive practices of sexually active daughters.

Back 15

False

Front 16

A curvilinear relationship exists between parental flexibility and adolescent sexual behavior.

Back 16

True

Front 17

Women are more conservative regarding sex than men.

Back 17

True

Front 18

Teens in 2002 had sex earlier than teens in the 1990's.

Back 18

False

Front 19

Kissing is common in all cultures around the world.

Back 19

False

Front 20

Sex therapy primarily involves sexual education.

Back 20

True

Front 21

Financial issues are the most common stressor for families:

Back 21

who live in poverty.
B) in the middle classes.
C) who are rich.

Front 22

Which of the following is NOT true?
A) Divorce and domestic abuse are more common among poor families.
B) More than two times as many happy couples as unhappy couples agree on how to spend their money.
C) Couples' greatest concern with financial issues is that one partner tries to control the money.
D) In over three-quarters of happy couples, each partner is content with how the other spends money.

Back 22

C

Front 23

At what stage are families MOST likely to experience financial stress?

Back 23

adolescent

Front 24

If a person gains satisfaction from spending money on others and himself or herself, this person has which orientation toward money?

Back 24

enjoyment

Front 25

The estimated total average cost of a divorce is:

Back 25

$30,000

Front 26

Most couples discover their spending/saving styles:

Back 26

after they are married.

Front 27

What percentage of American families is considered middle income?

Back 27

60%

Front 28

Which ethnic group has the highest annual income?

Back 28

Asian Americans

Front 29

On average, as education increases:

Back 29

the salary difference between men and women increases.

Front 30

Regular and systematic balancing of income and expenses is:

Back 30

budgeting.

Front 31

Eight steps to resolving a conflict:

Back 31

1. Choose the right time: Ecclesiastes 3:7
2. Take the Initiative: Matthew 5:24
3. Think before you leap: Proverbs 12:18; 18:21
4. Reaffirm your relationship: Ephesians 4:31-32 Colossians 3:12-14
5. Express your feelings John 11:35
6. Apologize when you are wrong: Matthew 27:3-4
7. Learn to clarify the area of conflict Acts 15:36-39
8. Lead with a compromise Luke 6:31

Front 32

What can conflict do?

Back 32

o Strengthen relationships
o Deepens our understanding of the truth
o Helps us exercise our “spiritual muscles:

Front 33

• Experts in personal and family finance agree

Back 33

o “As difficult as it is to make money it is easier to make money than it is to manage money wisely.”

Front 34

o The key 4 Step process to finances

Back 34

• Pay God
• Pay Caesar
• Pay yourself (investment)
• Pay your debts

Front 35

• 5 general points for your consideration:

Back 35

o The Bible has much to say about money and the management of money . . . will see in following slides.
o Money is not the root of all evil . . . it is the love of money that’s evil . . . I Timothy 6:10, Hebrews 13:5
o Jesus used money to teach a number of spiritual lessons Matthew 6:24
o Financial principles found in the Old and New Testaments are rather simple and straight forward.
o The key 4 Step process

Front 36

Budget:

Back 36

“The process of identifying income over a designated period of time, describing how those funds are to be spent for consumption and investment, keeping records of income and expenditures, and developing a plan of appropriate actions in the event of a change in income and/or expenditure patterns.”

Front 37

Importance of a budget:

Back 37

1. A budget makes it possible for you to direct your money into channels that will bring
you the most satisfaction/maximize income.
2. It allows one to see exactly where money goes (realistically)... allows for adjustments.
3. Encourages individuals and families to examine and reexamine values and goals.
4. Creates a positive habit & communication.
5. Helps avoid many of the money problems.

Front 38

Planning/Developing a Budget

Back 38

1. Determine your total monthly ‘net’ income…$$$.

2. ‘List’ all of your ‘fixed’ expenses.
a. rent
3. ‘List all’ of your variable or (flexible) expenses.
4. Include a short term savings plan.
5. Final step... compare expenses.

Front 39

Determine your total monthly ‘net’ income…$$$.

Back 39

a. after state and federal taxes
b. offering to the Lord
c. savings (long term)-(short term…listed later in
the budget…important and shouldn‘t be ignored).

Front 40

2. ‘List’ all of your ‘fixed’ expenses.

Back 40

a. rent
b. utilities
c. insurance
d. transportation

Front 41

‘List all’ of your variable or (flexible) expenses.

Back 41

a. food…???
b. recreation / entertainment
c. clothes

Front 42

Include a short term savings plan.

Back 42

a. emergency…i.e., car, medical, house, etc.
b. Christmas, vacation, specific purchases, and gifts

Front 43

Final step... compare expenses.

Back 43

a. add steps 2, 3, & 4
b. subtract from step 1
c. should equal itself out…if not, adjustments must be
made!!!!

Front 44

Three C’s of Credit
(Whether you can get and keep credit will depend on:)

Back 44

1. Character: refers to your honesty, sense of responsibility, soundness of judgment, and trustworthiness.
2. Capacity: refers to your ability to pay the bill when it is due…based on what you earn, length of time at your job, etc.
3. Capital: refers to such assets as bank accounts, stocks, bonds, money market funds, real estate, etc.

Front 45

Why credit cards are good

Back 45

1. They allow people to buy goods easily.
2. They help keep good records and “recording procedures.”
3. One does not have to carry large amounts of money.

Front 46

Why credit cards are bad

Back 46

4. Many call for annual fees.
5. Interest rate is high.
6. Merchants have to charge higher prices.
7. If lost or stolen – a lot of red tape.
8. Can allow for overspending.
9. “Card owners” run a tight ship-on credit.
10. If used frequently, are a record keeping hassle.

Front 47

Financial Danger Signals:

Back 47

1. Using Credit to buy things you used to be able to buy with cash.
2. Getting loans or extensions to pay your debts.
3. Paying ‘only the minimum amount’ due on charge/credit card accounts.
4. Receiving ‘overdue notices’ from creditors.
5. Using savings to pay bills that you used to pay from checking.
6. Borrowing on life-insurance with little
chance of repaying.
7. Depending on overtime or moonlighting pay to make ends meet each month.
8. Using your checking account overdraft to pay regular bills.
9. Juggling rent or mortgage money to pay debts…”Robbing Peter to pay Paul.”
10. Using ‘credit card cash advances’ to pay living expenses

Front 48

What God wants us to know:

Back 48

1. God is the source
2. Wa re stewards-everything belongs to God.

Front 49

Three Greek words for stewards

Back 49

Paidagogos
Epitropos
Oikonomia

Front 50

Paidagogos

Back 50

A slave who cared for children. Our families are a gift from God entrusted to us.

Front 51

Epitropos

Back 51

A general manager over estate, property, business operations. We have responsibilities in dealing with property, jobs, etc.

Front 52

Oikonomia

Back 52

Responsibility for financial matters. The dollars we have are not our own.

Front 53

What God wants us to do

Back 53

a. Work for our money:
b. Plan our work and trust God:
c. Do not covet another’s possessions:
d. Do not serve money:
e. Give
f. Pay Taxes:
g. Help the needy:
h. Provide for one’s family
i. Avoid debt:

Front 54

How God wants us to manage our finances

Back 54

1. Establish the right priorities for your money.
2. Stay current with all financial matters. (Luke 14:28)
3. Never make financial decisions under pressure. 4. Evaluate all purchases and expenditures as either needs or wants. (I Tim. 6: 8,9)
5. Avoid speculative, quick profit schemes. (Prov. 23:4, 5)

6. Do not make financial decisions when you are in an overly
emotional state. (Prov. 10:22 & Psalms 37:7a)

7. Be willing to adjust to both increases and decreases in
your income. (Phil. 4:12, 13)

8. As a general rule, it is better to give money than to lend it.
(II Cor. 9:13)

9. Avoid co-signing for others. (Prov. 19:9)

10. Establish your financial independence from your parents. (Gen. 2:24)

Front 55

1. Establish the right priorities for your money.

Back 55

a. Give liberally to the Lord. (II Cor. 9:6 & Psalms 50:17)
b. Practice responsible stewardship.
(I Tim. 6:7 & Mt. 25:14-30)

Front 56

What percent of take home pay should be spent on consumer credit?

Back 56

no more than 20%

Front 57

Intimacy

Back 57

Is the result of a specific relationship, by which two individuals utilize the emotional, mental, social, physical and/or spiritual elements of their own personalities, to create and maintain a very close, warm, personal, and (physical or psychological) mutual bond.

Front 58

God's design for marital-sexual realtionship

Back 58

God has a plan. Gen. 2:7-15
God has set boundaries. Gen. 3:3
God allows consequences. Gen. 3:10
God means what he says. Gen. 3:14 -17
God still cares. Gen. 3:21

Front 59

God has set boundaries

Back 59

Sexual Sins:

1. Adultery: Heb. 13:4, Matt. 19:9
2. Fornication: Heb. 13:4, Acts 15:20, Rom. 1:29
3. Homosexuality: Romans 1:27, I Cor. 6:9
4. Prostitution: Deut. 23:17, I Cor. 6:15
5. Incest: Deut. 27: 20,22,23
6. Rape: Deut. 22:25
7. Sodomy: Gen 19:1-11
8. Lasciviousness: Gal. 5:19
9. Licentiousness: Gal 5:19
10. Lust: Matt 5:28

Front 60

Why are we reluctant to discuss sex?

Back 60

- Fear.
- Personal embarrassment/ discomfort.
- Lack of knowledge/education.
- ‘Cultural restraints/taboos/acceptance.’

Front 61

Purposes of sex in marriage:

Back 61

Reproduction.
Pleasure.
Complete oneness.
Define/Affirm one’s sexuality and role.
Fulfill Biblical teaching and understanding.

Front 62

Sources of sexual problems

Back 62

- Unknowing.
- Guilt.
- Fear.
- External factors.
- Negative personal feelings.
- Not acknowledging the importance of sex in marriage.
- Lack of trust.
- Unresolved conflict(s).
- Absence of human touch.
- Failure to communicate

Front 63

What can we do to have a happy marital sexual relationship? What the research has to say

Back 63

- Reach agreement to/with frequency.
- Maintain consistency in achieving orgasm.
- Maintain/Display a strong emotional commitment to spouse.
- Have a healthy attitude toward sexuality, time, location and techniques.
- Achieve an adequate level of sex knowledge.
- Assure availability and privacy.

Front 64

Suggestions for wives:

Back 64

- Keep personal attractiveness a priority.
- Take care of personal hygiene.
- Make extended time for lovemaking.
- Utilize some good resources.
- Participate fully.
- Welcome his advances.
- Become active in foreplay.
- Express what pleases you.
- Become creative in initiating lovemaking.
- Reassure him of his masculinity.

Front 65

Suggestions for husbands

Back 65

- Cultivate a loving relationship with your wife.
- Tell her you love her many times a day.
- Find opportunities to praise her.
- Always speak to/of her in complimentary ways.
- Continue to communicate and problem solve the ‘concerns of life or marriage’ with her!!!
- Keep the spirit of romance and courtship alive.
- Take plenty of time for sex.
- Discover what is pleasurable for her.
- Be careful of your cleanliness.
- Remember her feelings.
- Communicate what she means to you!!!

Front 66

Suggestions for both sexes

Back 66

- Good sex begins while your clothes are still on.
- Exciting passionate sex BEGINS with the other 23 hours of the day.
- Get together regularly, welcome his/her advances, and learn from each other.
- Discuss your sexual relationship and do not ignore a sexual problem.
- Nurture your RELATIONSHIP!!!

Front 67

3 C's of biblical sex
(The marital sexual relationship)

Back 67

- Commanded by God
- Commended by Jesus
- Confirmed by the Holy Spirit.

Front 68

Approximately one-quarter of all Americans receive roughly half of the income in the United States.

Back 68

True

Front 69

Financially well-off people tend to have more fulfilling relationships than poor people.

Back 69

False

Front 70

The median income for women with a bachelor's degree is less than the median for men with an associate's degree.

Back 70

True

Front 71

Pooling money has few disadvantages in a marriage.

Back 71

False

Front 72

Since Americans make more money than most people in other countries, financial issues tend to be of minimal importance in daily life.

Back 72

False

Front 73

No matter how much money families have, they almost always think they need more.

Back 73

True

Front 74

On average, whites have far greater net worth than Blacks and Latinos, and this difference has increased over time.

Back 74

True

Front 75

It is generally wiser to buy a home than it is to rent.

Back 75

True

Front 76

Those known as "twentysomethings" rarely have credit card trouble because they follow the examples set by their parents.

Back 76

False

Front 77

Even though financial matters are rarely discussed in the dating phase, they are the most common topic married couples argue over.

Back 77

True