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| Question | Answer |
| What is the difference between decision making and problem solving strategies? | With problem solving the focus is on removing an obstacle (solving a problem), whereas decision making is focused on achieving a goal. |
| There are 7 basic methods of decision making; the following is an example of which method? “I will stop buying a latte every morning and drink coffee at home if you come home to drink your beer instead of stopping at Moes” | Arrange a compromise |
| There are 7 basic methods of decision making; the following is an example of which method? “Buy now, pay later” | Follow an accepted rule |
| There are 7 basic methods of decision making, give an example of a client that might be acting to gain social approval. | George is considering buying a new riding lawnmower, because his next door neighbor just got one. (Keeping up with the Jones’) |
| List 2 of the 5 rational decision making strategies | Binary, Systematic Solution Generation, Systematic Evaluation, Time Zero and Force Field |
| What is the difference between the Systematic Solution Generation strategy and the Systematic Evaluation strategy? | The solution generation is a glorified pros and cons taking into account solutions, the evaluation method also accounts for cost and benefit. |
| Which of the rational decision making strategies is considered go/no go? | Binary |
| Which of the rational strategies is used for interpersonal conflict? | Time Zero |
| If a client seems torn between two ideas, we can use this strategy to rank the power of the pull and the possibility of change. | Force-field analysis |
| Intuitive or creative strategies can be used to solve problems, forcing us to think about the decision or problem differently. Which of the creative strategies would we be using if we encouraged a client to consider how they got through a similar circumstance and consider if they may be able to use the same resolution in this situation? | Using a solution to one problem to solve another |
| Name 2 of the 4 rules for brainstorming. | Avoid censoring, avoid clarifying, avoid assigning names, use other people’s ideas |
| Provide an advantage and a disadvantage of using brainstorming as an intuitive problem solving strategy. | -Advantage: one idea can stimulate and generate new ideas - Disadvantage: it works best with more than one person |
| Which one of the creative strategies is being used in this example: “Your alarm did not go off this morning? So is your main concern the fact that your alarm may be broken, or that you were not able to have your morning coffee, or that you were late to work?” | Problem Expansion |
| What is the difference between financial counseling, personal counseling and budget counseling? | Personal counseling is to resolve personal issues, financial counseling is to achieve financial goals, budget counseling is a subset of financial counseling in which a client learns how to budget. |
| When would you be likely to refer a client externally? Internally? | Externally: gambling or divorce counseling Internally: a housing counselor w/in the organization |
| Name one positive and one negative consequence of wearing many hats in an organization | - Positive: Experience, visibility, influential, increased general knowledge - Negative: Client expectations, not enough time, expertise |
| The standards that influence a person’s behaviors, attitudes and decisions are what? | Values |
| What kind of a promise clearly expresses what we will do? | Explicit |
| Give an example of an implicit promise. | “By providing financial coaching, our clients will become financially capable” |
| According to the first principle of the counseling relationship, what is the purpose of counseling? | to influence and motivate clients toward acceptable goals. |
| In order to have an effective relationship with our clients, four conditions must exist, what are they? | Congruence, empathy, trust and warmth |
| Effective counseling should incorporate most if not all of the six dimensions, name two. | Openness, Realistic Expectations, Structure, Power, Confirmation of Differences and Mutual involvement |
| Each of the six strategic tactics are important. Explain the importance of openness. | When a counselor is willing to share it will help a client feel open to share as well |
| One of the six dimensions of an effective counsel is structure. This refers to the stages of counseling, what are the stages? | Initiating, Exploring, Understanding and Acting |
| In the exploring stage of counseling we gather details about the clients’ situation, what happens in the acting stage? | The client carries out the alternatives (puts a plan into action), the counselor and client evaluate the plan to be sure it is working as intended. |
| During the third stage of counseling, understanding – counselors will try to make sense of the data that we gathered, and work with the clients to generate ideas or solutions, a minimum of how many ideas should be generated? | 3, if there are not enough solutions there may be issues in the acting stage |
| There are 6 steps in both the Financial Planning Model and the Financial Counseling Model, what is the main difference? | When using the planning model, clients will be planning for the future, they will be establishing goals and objectives and we will help them devise a plan. When using the counseling model clients will have a problem to solve, relationship building is key; we will diagnose the problem and generate potential solutions. |
| Give an example of a client with whom we would likely use the financial planning model. (Hint: Plan = goals) | Sue has an emergency savings account and would like to start saving for a vacation home and possibly retirement. |
| Give an example of a client with whom we would likely use the financial counseling model. (Hint: counsel = problem) | Sue can’t seem to make it to the end of the month without using credit cards to pay her expenses. |
| Utilizing the financial counseling model, our client has generated a list of possible solutions and has chosen an action plan; they are ready to implement their plan. As a counselor, list 2 of the things we do during this stage. | - Provide support - Schedule follow-up appointment to evaluate progress - Make follow-up phone calls and send follow-up letters - Provide positive feedback |
| In which of these models is the goal to work ourselves out of a job? (financial planning or financial counseling) | Financial Counseling |
| There are 4 different types of feedback, which 2 should be avoided? | Negative and destructive |
| Name one of the things one should consider when providing feedback. | -Focus feedback on the behavior not the person - Focus on immediate situation, can’t change the past - Don’t overwhelm the person with too much feedback - Focus on the potential value for the client |
| List the two different types of goals. | Process and outcome |
| Is the following a process goal or an outcome goal? “I will raise my credit score by 50 points by May” | Outcome |
| A clearly stated goal is one that can be directly measured by whom? | both the client and the counselor |
| A good _________ is directly related to the problem or goal, specifies what the client will do, is simple and utilizes the clients’ strengths. (fill in the blank) | solution |
| During the understanding stage of counseling, we will encourage our clients to generate ideas or solutions, should the focus be on generating the perfect solution or many possible solutions? | a number of solutions |
| As clients work to establish an action plan based on the solutions they generated, name two of the things they should consider. | - What time, effort and resources will be required - How much effort will be needed - What will it produce - What is the possibility of failure and how critical would the failure be |
| Framing can be used as a counseling strategy, which of the following framing strategies is used when we help a client look at their situation differently; such as viewing a behavior as fixated vs. focused. (Blending, Reframing, Setting Goals, Identifying and creating exceptions, Prescribing action, Personal history, Future Pacing) | Reframing |
| How do prescribing action and future pacing differ? | When we prescribe action we ask a client to do something that makes them uncomfortable in a different way, we use future pacing to help them think about their future. |
| One can gain an understanding of themselves by delving into their personal history, there are two levels of personal memories, which one refers to significant life events that are tied to one or more of the five senses? | Encapsulated units |
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