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| real money or an investment you can convert to hard dollars |
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| outstanding loans or debts |
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| _______ = assets - liabilites |
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| score at which you qualify for good rates, under this you are considered risky |
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| __% based on payment history |
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| __% score based on amounts owed |
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| __% based on length of credit history |
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| __% of score based on new credit |
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| __% of score based on types of credit in use |
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| _____________ = income - expenses |
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| the cost of borrowing money |
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| volatility or short term fluctuations in an investment's value |
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| Placing money in different investments with returns that are not completely correlated |
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| Refers to how you spread your investing dollars among different investment options. |
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| portfolio of stocks, bonds, and other securities owned by numerous investors and managed by an investment company |
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| principles of conduct governing an individual or group |
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| study of how moral standards and principles apply to the conduct of individuals in business |
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| minimum requirements expected in society |
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| ______ ethics - guidelines or rules for behaving in an ethical fashion |
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| _________ ethics - describe the values and norms of individuals or groups |
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| the principle of ______ evaluates policy and behavior in terms of the net social benefit produced |
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| type __ thinking = ethics is a means to get what you want |
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| type __ thinking - the market through consumers will dictate the ethical behavior of businesses |
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| type __ thinking - non economic forces outside the organization move to secure morality |
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| type __ thinking - ethics is the end goal, ethical because it's the right thing to do |
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| ____ proposes that ethics are all relative to personal, social, and cultural circumstances |
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| _____ relativism - everyone has their own standard that enables them to make choices |
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| ___ relativism - makes a distinction between our private lives and public roles |
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| __________ relativism - people refer to their social groups to make ethical judgements |
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| ______ relativism - there is no universal moral code by which to judge another society's moral and ethical standards |
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| _______ is an attempt by a member of an organization to disclose wrongdoing in or by an organization |
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| _______ is the process of accomplishing tasks through others |
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| _____ is the act of using resources to create goods and services |
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| ____________ - something for which there is demand but which is supplied without qualitative differentiation across a given market |
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| refill reminders, patient counseling, and disease state management are all examples of ______ |
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| compounded prescriptions, OTC medications, and prescription medications are all examples of ___________ |
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| two elements of negotiation are ___ and _____ |
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| best alternative to a negotiated agreement |
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| _____ negotiation - always agreeable, flexible, gives in |
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| ____ negotiation - tough and rigid, take it or leave it |
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| quid pro quo (tit for tat) |
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| _________ negotiation - one side makes positive move, other responds with positive move, vice versa |
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| __________ negotiation - looks for mutual gains based on some agreed upon standard |
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| ____ concept of power - has the ability to reward |
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| ____ concept of power - has the ability to punish |
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| ____ concept of power - complex, based on internalized values, culture, etc |
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| ____ concept of power - identification with actor |
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| ____ concept of power - knowledge or expertise |
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| _____ - small number of people with complementary skills who are committed to a common purpose, set of performance goals, and an approach for which they hold themselves accountable |
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| ____ = expectations about reality |
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| beliefs that correspond with reality are ______ |
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| _____ method of knowing - i believe it because i have always believed it to be true |
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| ______ method of knowing - an authority tells you it is so and you believe it |
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| _____ method of believing - systematic way of discovering new facts and information, not thinking |
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| __________ method of reasoning - people through free communication can reach the truth because their natural inclinations tend toward truth - discourse and reasoning |
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| authority and a priori(reasoning) |
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| ____ and _____ are the methods of knowing used most often |
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| beliefs drive behaviors through ______ |
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| _____- decision making strategy that satisfies the needs even though the choice may not be optimal |
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| mutli-attribute decision making |
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| ________ - decision making strategy that takes into consideration dimensional trade offs, uses linear model to account for importance placed on each attribute |
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| ______ - decision making strategy that looks at how people actually reach conclusions in everyday life |
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| ______ decision making bias in which instances of events are typically easier to recall than those of less frequent ones |
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| _____ - bias in decision making in which people are given a description of a person, and then they ignore the base rate of the population and say they are more likely represented by those qualities |
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| ______ decision making bias in which one estimates quantities and percentages AFTER being shown a starting value |
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| ______ - pitfall of decision making in which solutions depend on the problem solver's ability to represent objects in their environment in novel ways |
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| decrease amount, perform more effectively, do the right activities |
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| 3 approaches to manage activites... |
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| create master list, review list, compile daily list, evaluate daily list, utilize prime time |
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| 5 steps to increased productivity |
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| system of management where you identify goals, define objectives necessary to reach the goals, and implement system to accomplish objectives |
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H = S + C + V
lifelong happiness = set range + circumstances of your life + factors under your voluntary control |
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| mean enduring level of happiness = |
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| seeks pleasure, avoids pain, good for the moment = |
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| only living for the future = |
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| life has no meaning, learned helplessnes = |
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| "enjoy the journey on our way toward a destination we deem valuable" = |
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| ______ is when skill level and difficulty of task rises at the same rate |
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| human resource management |
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| ____ = process of achieving organizational objectives through the management of people |
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| ____ = process of getting the right number of qualified people into the right job at the right time |
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| cost to replace a service worker |
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| cost to replace professional |
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| ____ = activities associated with attracting qualified candidates to fill job vacancies |
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| application, screening, interviewing, selection, hiring |
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| lack of job qualifications, poorly completed job applications, negative applicant history |
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| 3 main screening criteria |
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| =SUM (Probability)(Outcome) |
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| tell me a little bit about yourself is a _____ interview question |
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| Applicants describe how they would handle a difficult imaginary situation is an example of a _______ interview question |
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| a _____ interview question attempts to discern candidate preparation and ability to handle stress |
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| "give me an example when you..." is a _____ interview question |
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| race, color, religion, sex, national origin |
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| civil rights act prevents discrimination on the basis of: (5) |
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| civil rights act applies to employers with __ or more employees |
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| the american with disabilities act of ____ applies to employers with __ or more employees |
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____ is an action requiring significant difficulty or expense when considered in light of factors such as an
employer's size, financial resources, and the nature and structure of its operation. |
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| the pregnancy discrimination act applies to employers with __ or more employees |
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| the age discrimination in employment act of 1967 protects people __ years old or older from discrimination and applies to employers with __ or more employees |
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| the equal pay act of 1963 applies to employers with __ or more employees |
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| sexual harassment is a form of discrimination covered by the __________ |
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| been an employee for at least 1 year, and have worked at least 1250 hours within last 12 month period |
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| to qualify for the family and medical leave act, an employee must:(2) |
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| employers with __ or more employees must grand family and medical leave of up to 12 weeks during a 12 month period |
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| _______- exposing new employees to different areas of the department or organization during training |
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| training on new equipment, a new policy, or a new process for all affected |
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| ______ = rules of engagement |
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| ____ = methods for achieving objectives |
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