Sam Has a Problem with Alcohol

question 50

Multiple Choice

Sam has a problem with alcohol.He gets substantially drunk at parties four to five nights a week and it is not uncommon for him to experience blackouts.Despite his friends' concerns,Sam doesn't think he has a problem and believes that he is just being a typical college student.Sam would most likely be classified as being in the _____ stage of change.

• A) maintenance
• B) contemplation
• C) precontemplation
• D) preparation/determination

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Definitions:

Effective Rate

The interest rate on a loan or financial product restated from the nominal rate as an interest rate with annual compound interest payable in arrears.

Annuity Investment

An economic tool designed to disburse a consistent flow of funds to someone, primarily for retirement preparation purposes.

Effective Interest Rate

The real rate of interest earned or paid on an investment or loan, taking into account the effect of compounding over a specific period.

Maturity Value

The total of principal plus interest due on the maturity date of a loan or investment.