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1. What is one primary cause of stress in families?
Ans: Not having enough money to meet needs
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2. What are the two types of abuse that can result from stress?
- Ans: Spouse Abuse
- Child Abuse
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3. What type of program that commands have to help families undergoing stress?
Ans: Family Advocacy Program
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4. What do many commands provide to advise sailors in financial difficulties?
Ans: Financial Counselors
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5. What are the two resources that you can seek for financial counseling?
- Ans: Family Service Center
- LPO
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6. What manual offers some good advice to all paygrades?
Ans: The Naval Military Personnel Manual
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7. What type of military system affects you directly?
Ans: The Military Pay System
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8. What term is used for money paid to you for services rendered?
Ans: Pay
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9. All pay is taxable as income. (True or False)
Ans: True
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10. How many types of pay does the Navy has?
Ans: 3
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11. Name the three types of pay?
- Ans: Basic Pay
- Incentive Pay
- Special Pay
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12. What two paygrades don’t receive longevity raises?
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13. What are the four lengths of services that are included for pay purposes?
- Ans: Active Duty
- Inactive reserve time
- Former service time
- Service in other branches
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DT1 (SW/AW) ALLEN
- 14. What type of pay is based upon your paygrade?
- Ans: Basic Pay
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15. What system does the Navy uses to deposit personnel paychecks?
Ans: Direct Deposit System (DDS)
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16. What type of pay is for special circumstances?
Ans: Special Pay
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17. What type of military system determines the amount you receive every payday?
Ans: The Military Pay System
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18. What type of raise do Navy personnel receive after four years of service?
Ans: Longevity Raise
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19. What type of pay is offered for Parachute Duty?
Ans: Incentive Pay
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20. How often do Navy personnel receive longevity raises?
Ans: Every 2 Years
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21. What type of pay is offered for reenlistment?
Ans: Special Pay
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22. When does an E-3 receive longevity pay?
Ans: After 4 years of service
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23. What type of pay is based on your length of service?
Ans: Basic Pay
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24. What type of allowance is to provide you with cash for the repair of clothing?
Ans: Clothing Maintenance Allowance
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25. What are the three guidelines that incentive pay is based on?
- Ans: You can receive more than one incentive pay if you meet the requirements
- You may not receive incentive pay if you receive special pay
- You receive the same basic rate of pay for all types of incentive pay
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26. What type of pay is offered for Submarine Duty?
Ans: Incentive Pay
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27. What is the maximum number of incentive pay that you may receive?
Ans: 2
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28. What type of duty should you not receive incentive pay if you already receive special for it?
Ans: Diving Duty
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29. What type of pay is offered for Special Assignment Duty?
Ans: Special Pay
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30. What are the two types of duties that are excluded from the basic incentive rate?
- Ans: Aviation Duty
- Submarine Duty
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31. How many different types of allotment may you choose from?
Ans: 5
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32. Name the five different types of allotments?
- Ans: Allotment C
- Allotment D
- Allotment H
- Allotment I
- Allotment S
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33. What type of pay is offered for Aviation Pay?
Ans: Incentive Pay
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34. What are the two factors that incentive pay varies from?
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35. What type of allotment is made for charity drive donations?
Ans: Allotment C
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36. What type of pay is offered for Hostile Fire Duty?
Ans: Special Pay
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37. What term means money used to reimburse you for expense necessary for you to perform your job?
Ans: Allowance
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38. Allowances are not taxable as income. (True or False)
Ans: True
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39. What type of pay is sometime called hazardous duty pay?
Ans: Incentive Pay
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40. What are the four types of expenses that you receive allowances for?
- Ans: Clothing
- Quarters
- Food
- Various other expenses
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41. What type of pay do all people on active duty in the Navy receives?
Ans: Basic Pay
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42. What type of pay is offered for Diving Duty?
Ans: Special Pay
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43. What are the two methods used to receive a clothing allowances?
- Ans: Reimbursement of cash
- Issues of clothing equal to cash
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44. What type of allotment is made for banks or credit unions?
Ans: Allotment S
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45. How often do you receive your clothing maintenance allowance?
Ans: Annually
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46. What type of allowance is to provide you with cash for the purchase of replacement clothing?
Ans: Clothing Maintenance Allowance
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47. What type of pay is for a particular type of duty?
Ans: Special Pay
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48. What are the two factors that entitlement to Basic Allowance for Subsistence (BAS) depends on?
- Ans: Your Status
- The availability of a government mess
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49. What may an enlisted member receive for each day a government mess is not available or not used?
Ans: Daily Subsistence Allowance
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50. What type of pay is offered for Demolition Duty?
Ans: Incentive Pay
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51. What type of allotment is made for dependents?
Ans: Allotment D
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52. What type of pay is offered for Medical Duty?
Ans: Special Pay
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53. What does entitlement to Basic Allowance for Subsistence (BAS) normally depends on?
Ans: Your Permanent Duty Station
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54. What type of pay is offered for Experimental Stress Duty?
Ans: Incentive Pay
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55. What are you entitle to if your duty station doesn’t have a government mess?
Ans: Basic Allowance for Subsistence
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56. What type of allotment is made for housing or home-loan payments?
Ans: Allotment H
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57. What type of pay is offered for Foreign Duty?
Ans: Special Pay
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58. What are you entitle to if your duty station doesn’t have a government mess but you are authorized to mess
- separately?
- Ans: RATS SEP
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59. What are you entitle to if your duty station doesn’t have a government mess but you are authorized to mess
- separately and your duties prevent you from purchasing certain meals in a government mess?
- Ans: Supplemental Basic Allowance for Subsistence
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60. What type of pay is usually for duty that is considered hazardous?
Ans: Incentive Pay
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61. What are the three factors that entitlement to Basic Allowance for Quarters (BAQ) depends on?
- Ans: Your Paygrade
- Whether you have dependents
- Whether you and your dependents have been assigned quarters
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62. What type of allowance help you pay the cost of suitable living quarter when government quarters are
- unavailable?
- Ans: Basic Allowance for Quarters
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63. What type of pay is offered for Sea Duty?
Ans: Special Pay
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64. What are the two basic categories that Basic Allowance for Quarters are divided into?
- Ans: BAQ with dependents
- BAQ without dependents
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65. What type of allotment is made for saving institutions?
Ans: Allotment S
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66. What type of pay is offered for Flight Deck Duty?
Ans: Incentive Pay
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67. Name the four different types of allowances that you can also receive?
- Ans: Family Separation Allowance (FSA)
- Cost Of Living Allowance (COLA)
- Oversea Housing Allowance (OHA)
- Variable Housing Allowance (VHA)
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68. What two allowances are combined into one single allowance called Basic Allowance for Housing (BAH)?
- Ans: Basic Allowance for Quarters (BAQ)
- Variable Housing Allowance (VHA)
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69. Which allowance will your LES only show?
Ans: BAH
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70. What type of pay is offered as a Selective Reenlistment Bonus (SRB)?
Ans: Special Pay
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71. What term is used for the amount of money you designate to be withheld from your pay and paid directly to
- someone else?
- Ans: Allotment
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72. What type of allotment is made for insurance coverage?
Ans: Allotment I
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73. What type of pay is for certain types of duty?
Ans: Incentive Pay
- 74. What two allowances will equal your actual Basic Allowance for Housing amount?
- Ans: Basic Allowance for Quarters (BAQ)
- Variable Housing Allowance (VHA)
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75. Who’s responsible for making sure that your LES is correct?
Ans: You Are
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76. What type of crime may you be at risk or charged for if you don’t question something that isn’t normal with
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77. Name the three factors that have made budgeting your pay easy?
- Ans: Computerized Systems
- Equal Pay Periods
- Leave and Earning Statements (LES)
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78. What is the name of the Navy’s Pay System?
Ans: Joint Uniform Military Pay System (JUMPS)
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79. What are the four different areas that the LES provide you with a complete and accurate record of?
- Ans: Pay
- Allowances
- Type and amount of each Allotment
- The amount of tax Deductions and Withholdings
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80. What should you do after receiving your LES?
Ans: Verify that the information is correct
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81. What are the two terms that consist of the times you are authorized to spend away and off duty?
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82. What term means an authorized absence similar to vacations in civilian jobs?
Ans: Leave
- 83. How many days of leave do you earn per year?
- Ans: 30
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84. How many days of leave do you earn per month?
Ans: 2.5
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85. What provides benefits to morale and motivation that are essential to maintaining maximum effectiveness?
Ans: Vacations and short periods of rest from work
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86. What are the three factors concerning yourself that are adversely affected by the lack of break from the work
- environment?
- Ans: Your Health
- Your Availability
- Your Performance
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87. Who’s responsible for making sure that your pay is correct?
Ans: You Are
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88. Who states that the Navy must provide you with a monthly leave and earning statement?
Ans: Joint Uniform Military Pay System (JUMPS)
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89. Who has provided compensation for members if military requirements prevented you from using your leave?
Ans: Congress
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90. What term means an authorized absence from work or duty for a short period?
Ans: Liberty
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91. How many types of Liberties does the Navy grants?
Ans: 2
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92. Name the two types of Liberties that the Navy grants?
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93. What type of liberty is usually granted from the end of one work period to the beginning of the next?
Ans: Regular
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94. How many days of special liberty may the CO granted?
Ans: 3 - 4
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95. How many types of Leave does the Navy grants?
Ans: 2
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96. Name the two types of Leave that the Navy grants?
- Ans: Convalescent
- Requesting
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97. What type of leave is authorized absent given as part of care and treatment prescribed for your recuperation?
Ans: Convalescent
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98. What form should you used to request regular or emergency leave?
Ans: NAVCOMT Form 3065
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99. What type of liberty is granted outside of regular liberty periods?
Ans: Special
- 100. What type of liberty maybe from over a weekend or holiday?
- Ans: Regular
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101. What type of authorized absence from work or duty does not show on your LES?
Ans: Liberty
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102. How should a leave request be forwarded after being submitted?
Ans: Through the Normal Chain-of-Command
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103. What type of liberty is granted for compensation time?
Ans: Special
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104. How should an emergency leave request be forwarded for approval?
Ans: Hand Carried
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105. Who usually approve an emergency leave request after working hours?
Ans: Command Duty Officer (CDO)
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106. What type of leave is given for a period of recovery?
Ans: Convalescent
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107. What are the two types of consumer debts of the United States?
- Ans: The amount borrowed for merchandise
- Revolving Credit
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108. What type of liberty maybe from one day to the next?
Ans: Regular
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109. What is usually the safest and the easiest way to keep track of your money?
Ans: Checking Account
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110. What is a written order telling your bank to withdraw a sum of money from your account to pay another person or business?
Ans: Check
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111. What is a booklet used to record transactions involving your checking account?
Ans: Check Register
- 112. What is a slip or ticket that is used to place money into your account?
- Ans: Deposit Ticket or Slip
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113. What are the five benefits of having a checking account?
- Ans: Safety
- Proof of payment
- Convenient
- It establishes credit
- It helps you budget your money
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114. What helps you budget your expenses and income?
Ans: Keeping a record of checking activities
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115. What type of liberty is granted for emergencies?
Ans: Special
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116. What is proof that you paid a bill?
Ans: Canceled Check
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117. What is a financial arrangement with a bank, saving, and credit union for safeguarding money?
Ans: Checking Account
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118. What are checks returned for insufficient funds known as?
Ans: Bouncing a check
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119. What type of leave is not charged to your earned, advance, or excess leave account?
Ans: Convalescent
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120. How can you avoid bouncing a check?
Ans: Balance your checkbook
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121. What are the three consequences from writing bad checks?
- Ans: Ruin your Credit History
- Destroy your reputation
- Land you in jail
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122. What make it easier to get money and make purchases from your bank account?
Ans: Convenience Cards
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123. What term means the amount of money taken from gross income for savings, checking accounts, family support, and pay debts?
Ans: Allotments
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124. What type of an account draws interest?
Ans: Saving Account
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125. What does a checking account provides as a receipt of payment?
Ans: Canceled Check
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126. What provides a good method for you to handle financial affairs?
Ans: Allotments
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127. What type of liberty is granted for voting?
Ans: Special
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128. What provides a system that allows you to account for your money?
Ans: Checking Account
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129. What type of allotment indicates financial irresponsibility?
Ans: Involuntary Allotments
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130. What is the key to successful money management?
Ans: Budgeting
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131. What type of liberty is granted for special recognition?
Ans: Special
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132. What is a plan to spend money?
Ans: Budget
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133. What type of income is the total amount of pay before any deductions?
Ans: Gross Income
- 134. What term means the amount of money taken from pay for income taxes, social security, and SGLI?
- Ans: Deductions
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135. What type of income is the money paid to a member after all deductions and allotments are paid?
Ans: Net Income
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136. What is Net Income also known as?
Ans: Take-Home-Pay
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137. What types of expenses are the same each month?
Ans: Fixed
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138. What is a plan of money management?
Ans: Budget
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139. What are the two basics rules of spending?
- Ans: Spend Money Wisely
- Spend Small Amounts
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140. What are the three types of fixed expenses?
- Ans: Rent
- Mortgage
- Time Payments
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141. What is the difference between fixed expenses and net income?
Ans: Optional Income
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142. What type of allotment is usually garnishment of your pay?
Ans: Involuntary Allotments
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143. What type of income is available for planning purposes?
Ans: Net Income
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144. What types of expenses are different each month?
Ans: Flexible or Variable
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145. What type of liberty is granted for observing major religious events?
Ans: Special
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146. What should you plan for first, when preparing for a budget?
Ans: Saving Plan
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147. What gives you a record of your income vice your expenses?
Ans: Budget
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148. What rule gives you an easy method of estimating the number of years it takes for an investment’s value to double at a specific interest rate?
Ans: Rule of 72
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149. How can you estimate the number of years it will take to double your investment?
Ans: Divide 72 years by your interest rate
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150. What is credit largely based on?
Ans: Trust
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151. What does credit literally means?
Ans: Buy now, pay later
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152. What helps you manage your financial affairs?
Ans: Budget
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153. What is like money in the bank?
Ans: A Good Credit Rating
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154. What is the rate paid for using borrowed money or credit known as?
Ans: Interest
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155. What is the simplest way to find the total cost of credit?
Ans: Subtract the actual price of goods from the total amount of the loan
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156. What are the three ways that you can establish good credit?
- Ans: By paying your bills on time
- By paying for time purchases according to the purchase agreement
- By repaying a loan from a bank according to the loan agreement
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157. What can be priceless in an emergency situation?
Ans: A Good Credit Rating
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158. What is a low-cost group insurance program open to active-duty personnel without regard to special qualifications?
Ans: Servicemen’s Group Life Insurance (SGLI)
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159. You may secure SGLI only in increments of what amount?
Ans: $10, 000
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160. What is the maximum amount coverage under the SGLI?
Ans: $200,000
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161. How many days after your separation from the service will SGLI cover you?
Ans: 120 Days
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162. How many days after your separation for a disability will SGLI cover you?
Ans: 1 Year
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163. What type of program was established for post-separation insurance?
Ans: Veterans Group Life Insurance (VGLI)
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164. Who was the Veterans Group Life Insurance established by?
Ans: The Veterans Insurance Act of 1974
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165. Which life insurance program provides for the automatic conversion of SGLI to 5-year nonrenewable term policy?
Ans: Veterans Group Life Insurance
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166. Who’s responsible for the safety, health, and well being of his/her family?
Ans: Each Sailor
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167. What does stress and friction within the family can lead to?
Ans: Abuse
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168. What are the two types of abuse that stress and friction may cause within the family?
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169. What are the four results of abusive behavior by Navy personnel
- Ans: Destroyed Lives
- A detraction from military performance
- A negative affect on the unit
- A bad reputation
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170. What term means an individual who is abused or whose welfare is harmed by another individual(s)?
Ans: Victim
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171. What type of abuse involves behavior towards the victim that adversely affects the psychological well being of the victim?
Ans: Emotional Abuse
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172. What type of abuse involves behavior towards the victim from acts of force, assault, and sexual assault of the victim?
Ans: Spouse Abuse
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173. What term means actions of a person performed in a repeatedly harassing manner?
Ans: Stalking
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174. What type of program was established to address child and spouse abuse?
Ans: Family Advocacy Program
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175. Who was the Family Advocacy Program established by?
Ans: DON
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176. What are the five primary goals of the Family Advocacy Program?
- Ans: Victim Safety and Protection
- Offender Accountability
- Rehabilitative Education and Counseling
- Community Accountability
- Responsibility for a Consistent Appropriate Response
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177. Who appoints a Family Advocacy Officer at each command?
Ans: CO
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178. What is the primary goal of the Family Advocacy Program?
Ans: Prevention of abuse
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179. Name the five resources that you can report incidents of abuse directly to?
- Ans: Family Advocacy Program
- Family Advocacy Officer
- Medical Treatment Facility
- Chaplain
- Ombudsman
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180. Name the two types of committees that the CO establishes with the Family Advocacy Program?
- Ans: Family Advocacy Committee
- Case Review Committee
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181. What are the three ways that the Family Advocacy Officer can help a family?
- Ans: Education Programs
- Counseling
- Intervention in cases of abuse
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182. What type of program does the Navy uses as a tool to assist victims and to reduce the occurrence of child and spouse abuse?
Ans: Family Advocacy Program
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183. What occurs when there is an imbalance between the demands of our lives and the resources we have to deal with those demand?
Ans: Stress
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184. What are the two types of stress that can take a toll on the body?
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185. What causes imbalances?
Ans: Changes in our lives
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186. What causes stress?
Ans: The reaction to those changes
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187. What are the three ways that you can cope with stress?
- Ans: Acceptance
- Attitude
- Perspective
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188. What way of coping with stress involves learning to accept when things are beyond your control?
Ans: Acceptance
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189. What is the first step to managing stress?
Ans: Identify Your Stressor
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190. What is the key to dealing with everyday stressors?
Ans: To cope with stress in a positive way
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191. Your body can’t tell the difference between a good and a bad stressor. (True or False)
Ans: True
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192. What way of coping with stress involves keeping things in order?
Ans: Perspective
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193. What type of stress can keep you going?
Ans: Positive or Good Stress
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194. Both too much stress and too little stress are bad for you. (True or False)
Ans: True
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195. What are the two substances that can increase both mental and physical stress?
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196. What way of coping with stress involves focusing on the positive side of situations?
Ans: Attitude
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197. What can regular use of alcohol and drugs cause?
Ans: Dependency
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198. Name five healthy ways that you can combat stress?
- Ans: Exercise
- Diet
- Meditation
- Laughter
- Relaxation
- Involvement with outside activates
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199. What percentage of income should be budgeted for housing, according to the U.S Department of Labor?
Ans: 25%
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200. What percentage of income should be budgeted for savings, according to the U.S Department of Labor?
Ans: 22%
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201. What percentage of income should be budgeted for food, according to the U.S Department of Labor?
Ans: 23%
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202. What percentage of income should be budgeted for transportation, according to the U.S Department of
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203. What percentage of income should be budgeted for clothing, according to the U.S Department of Labor?
Ans: 11%
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204. What percentage of income should be budgeted for gifts, according to the U.S Department of Labor?
Ans: 5%
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205. What percentage of income should be budgeted for unforeseen expense, according to the U.S Department of Labor?
Ans: 22%
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