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Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522397
Psicologia
Uma empresa em processo de reestruturação buscou o
apoio da equipe de psicologia organizacional para
fortalecer competências comportamentais dos
colaboradores em cargos de liderança. Como parte das
ações de desenvolvimento, foram adotadas estratégias
de capacitação associadas à avaliação de desempenho
e ao uso de metodologias participativas. Acerca das
práticas envolvidas nesse processo, assinale a
alternativa correta.
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522396
Psicologia
Durante o acompanhamento psicológico de uma família
reconstituída, composta por um casal em segundas
núpcias e filhos de relacionamentos anteriores, o
psicólogo identifica conflitos relacionados à definição de
papéis, à lealdade dos filhos aos pais biológicos e à
reorganização dos vínculos afetivos. Nesse contexto,
compreender a fase do ciclo de vida familiar e a
influência das transformações socioculturais
contemporâneas é essencial para o planejamento da
intervenção. Acerca do tema, assinale a alternativa
correta.
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522395
Psicologia
Em um diagnóstico institucional conduzido por
psicólogos organizacionais, foram identificados baixos
índices de engajamento, aumento da rotatividade e
relatos de insatisfação com a gestão. A equipe propôs
ações de desenvolvimento gerencial e de valorização de
comportamentos alinhados aos valores da organização.
Esse conjunto de crenças, valores e práticas
compartilhadas que orientam o comportamento dos
membros no ambiente de trabalho é denominado
__________.
Assinale a alternativa que corretamente completa a lacuna no excerto:
Assinale a alternativa que corretamente completa a lacuna no excerto:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522394
Psicologia
Durante a implementação de uma nova política de
avaliação de desempenho, uma organização identificou
ruídos no processo de comunicação interna, resultando
em interpretações equivocadas entre gestores e equipes.
A área de psicologia organizacional foi acionada para
reestruturar os fluxos comunicacionais, com o objetivo de
alinhar expectativas e fortalecer os canais formais.
Acerca desse cenário, assinale a alternativa correta.
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522393
Psicologia
Ao receber um diagnóstico de doença crônica, o
paciente pode experimentar alterações emocionais
significativas que afetam sua qualidade de vida, rotina, vínculos e adesão às orientações terapêuticas. A forma
como o sujeito compreende a condição clínica, mobiliza
recursos internos e se relaciona com os profissionais de
saúde influencia diretamente sua capacidade de lidar
com as exigências do tratamento. Esse conjunto de
estratégias cognitivas e comportamentais utilizadas para
enfrentar o adoecimento é denominado __________.
Assinale a alternativa que corretamente completa a lacuna no excerto:
Assinale a alternativa que corretamente completa a lacuna no excerto:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522392
Saúde Pública
Os serviços de saúde especializados no atendimento de
pessoas com infecções sexualmente transmissíveis,
como os Centros de Testagem e Aconselhamento
(CTA/COAS) e os Serviços de Atenção Especializada
(SAE), são fundamentais para o diagnóstico precoce, o
acolhimento, o tratamento e a prevenção das DST e do
HIV. Acerca do assunto, marque V para as afirmativas
verdadeiras e F para as falsas.
(__)A profilaxia pós-exposição (PEP) está indicada exclusivamente para profissionais de saúde acidentados com material biológico, não sendo recomendada em casos de violência sexual ou exposição sexual consensual.
(__)O aconselhamento nos COAS deve ser centrado no risco individual, incluindo escuta qualificada, avaliação da vulnerabilidade e estratégias personalizadas de prevenção.
(__)A oferta de testagem rápida para HIV, sífilis e hepatites virais nos COAS permite diagnóstico precoce e início imediato do tratamento nos casos reagentes.
(__)Os SAE são responsáveis pelo acompanhamento clínico de pessoas vivendo com HIV/AIDS, incluindo prescrição de antirretrovirais, monitoramento laboratorial e apoio multiprofissional.
Após análise, assinale a alternativa que apresenta a sequência correta dos itens acima, de cima para baixo:
(__)A profilaxia pós-exposição (PEP) está indicada exclusivamente para profissionais de saúde acidentados com material biológico, não sendo recomendada em casos de violência sexual ou exposição sexual consensual.
(__)O aconselhamento nos COAS deve ser centrado no risco individual, incluindo escuta qualificada, avaliação da vulnerabilidade e estratégias personalizadas de prevenção.
(__)A oferta de testagem rápida para HIV, sífilis e hepatites virais nos COAS permite diagnóstico precoce e início imediato do tratamento nos casos reagentes.
(__)Os SAE são responsáveis pelo acompanhamento clínico de pessoas vivendo com HIV/AIDS, incluindo prescrição de antirretrovirais, monitoramento laboratorial e apoio multiprofissional.
Após análise, assinale a alternativa que apresenta a sequência correta dos itens acima, de cima para baixo:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522391
Psicologia
Pesquisas organizacionais são instrumentos
fundamentais para compreender fenômenos subjetivos e
objetivos no ambiente de trabalho, auxiliando no
diagnóstico de clima organizacional, práticas de gestão e
processos de mudança. A escolha entre métodos
quantitativos, qualitativos ou mistos deve considerar os
objetivos da investigação e o tipo de dado que se deseja
aprofundar. Sobre esse tema, analise as afirmativas a
seguir.
I.A pesquisa qualitativa é preferencialmente indicada quando se busca mensurar indicadores objetivos como produtividade, rotatividade e absenteísmo, utilizando instrumentos estruturados e com controle estatístico rigoroso.
II.A pesquisa qualitativa tem como foco a compreensão de significados, discursos e práticas, sendo apropriada para explorar percepções, sentidos atribuídos e experiências subjetivas no contexto organizacional.
III.A pesquisa quantitativa tem como principal objetivo analisar conteúdos simbólicos, sendo sua principal ferramenta metodológica a entrevista aberta em profundidade, com análise interpretativa dos dados.
Está correto o que se afirma em:
I.A pesquisa qualitativa é preferencialmente indicada quando se busca mensurar indicadores objetivos como produtividade, rotatividade e absenteísmo, utilizando instrumentos estruturados e com controle estatístico rigoroso.
II.A pesquisa qualitativa tem como foco a compreensão de significados, discursos e práticas, sendo apropriada para explorar percepções, sentidos atribuídos e experiências subjetivas no contexto organizacional.
III.A pesquisa quantitativa tem como principal objetivo analisar conteúdos simbólicos, sendo sua principal ferramenta metodológica a entrevista aberta em profundidade, com análise interpretativa dos dados.
Está correto o que se afirma em:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Psicólogo Escolar - Edital nº 1 |
Q3522390
Gestão de Pessoas
A gestão estratégica de pessoas tem como foco o
desenvolvimento do capital humano, entendido como o
conjunto de competências, conhecimentos e atitudes que
os indivíduos colocam a serviço da organização. O
reconhecimento desse capital como ativo essencial está
associado à geração de valor organizacional, inovação e
vantagem competitiva sustentável. Acerca do assunto,
marque V para as afirmativas verdadeiras e F para as
falsas.
(__)O capital humano representa um ativo intangível que abrange conhecimentos, habilidades e atitudes dos colaboradores, sendo essencial para a inovação e desempenho organizacional.
(__)A gestão de pessoas, ao focar exclusivamente em processos burocráticos e administrativos, garante o desenvolvimento integral do capital humano e sua retenção a longo prazo.
(__)A valorização do capital humano depende exclusivamente da concessão de benefícios financeiros e promoções por tempo de serviço, independentemente do investimento em capacitação contínua.
(__)Estratégias de gestão por competências permitem mapear, desenvolver e alinhar os talentos individuais às metas organizacionais, promovendo desempenho sustentável.
Após análise, assinale a alternativa que apresenta a sequência correta dos itens acima, de cima para baixo:
(__)O capital humano representa um ativo intangível que abrange conhecimentos, habilidades e atitudes dos colaboradores, sendo essencial para a inovação e desempenho organizacional.
(__)A gestão de pessoas, ao focar exclusivamente em processos burocráticos e administrativos, garante o desenvolvimento integral do capital humano e sua retenção a longo prazo.
(__)A valorização do capital humano depende exclusivamente da concessão de benefícios financeiros e promoções por tempo de serviço, independentemente do investimento em capacitação contínua.
(__)Estratégias de gestão por competências permitem mapear, desenvolver e alinhar os talentos individuais às metas organizacionais, promovendo desempenho sustentável.
Após análise, assinale a alternativa que apresenta a sequência correta dos itens acima, de cima para baixo:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Matemática - Edital nº 1 |
Q3522317
Pedagogia
O ensino da Matemática no Ensino Fundamental
desempenha um papel essencial na formação do
pensamento lógico, crítico e na resolução de problemas
cotidianos. Considerando os princípios orientadores da
Base Nacional Comum Curricular (BNCC) e as
concepções contemporâneas sobre a prática pedagógica
em Matemática, analise as afirmativas abaixo:
I. O ensino de Matemática deve priorizar a memorização de algoritmos e fórmulas, por serem pré-requisito para a resolução de problemas, pois esse é o modo mais eficiente de garantir a proficiência matemática dos estudantes.
II. A resolução de problemas é uma estratégia metodológica central no ensino de Matemática, sendo recomendada como meio de promover o desenvolvimento do raciocínio lógico e da autonomia dos alunos.
III. A BNCC orienta que a Matemática seja ensinada de maneira contextualizada, relacionando os conteúdos às vivências dos estudantes, a fim de tornar a aprendizagem mais significativa.
IV. O ensino de Matemática no Ensino Fundamental deve limitar-se às operações fundamentais, sem necessidade de explorar conceitos como estatística e probabilidade, que são considerados complexos demais para essa etapa.
V. A comunicação matemática, por meio de representações, argumentações e justificativas, é um aspecto essencial a ser desenvolvido nas práticas pedagógicas no Ensino Fundamental.
Com base na análise das afirmativas, assinale a alternativa correta:
I. O ensino de Matemática deve priorizar a memorização de algoritmos e fórmulas, por serem pré-requisito para a resolução de problemas, pois esse é o modo mais eficiente de garantir a proficiência matemática dos estudantes.
II. A resolução de problemas é uma estratégia metodológica central no ensino de Matemática, sendo recomendada como meio de promover o desenvolvimento do raciocínio lógico e da autonomia dos alunos.
III. A BNCC orienta que a Matemática seja ensinada de maneira contextualizada, relacionando os conteúdos às vivências dos estudantes, a fim de tornar a aprendizagem mais significativa.
IV. O ensino de Matemática no Ensino Fundamental deve limitar-se às operações fundamentais, sem necessidade de explorar conceitos como estatística e probabilidade, que são considerados complexos demais para essa etapa.
V. A comunicação matemática, por meio de representações, argumentações e justificativas, é um aspecto essencial a ser desenvolvido nas práticas pedagógicas no Ensino Fundamental.
Com base na análise das afirmativas, assinale a alternativa correta:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Matemática - Edital nº 1 |
Q3522310
Pedagogia
A Base Nacional Comum Curricular (BNCC) orienta o
desenvolvimento das aprendizagens essenciais na
Educação Básica brasileira. Considerando suas
determinações, assinale a alternativa correta:
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522166
Inglês
Consider the following sentence: "She couldn't bear the
heavy workload, but she bore it with patience."
Which of the following explanations best describes the use of the word "bear" in both parts of the sentence?
Which of the following explanations best describes the use of the word "bear" in both parts of the sentence?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522165
Inglês
In English, certain words have similar or identical sounds
but differ in meaning and usage depending on the
context in which they are used. These words, known as
homophones, can pose challenges for both native and
non-native speakers, particularly in written and spoken
communication. How do homophones influence
communication, and what is the best strategy to avoid
confusion when learning English?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522164
Pedagogia
Teaching English as a second language (ESL) involves
understanding both the cognitive and emotional aspects
of language learning. Which of the following pedagogical
approaches best supports the development of all
language skills in an ESL classroom?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522163
Inglês
In a language classroom, the integration of the four key
skills—listening, speaking, reading, and writing—is
essential for developing comprehensive language
proficiency. How can a teacher best integrate listening, speaking, reading, and writing in a single lesson to
enhance students' language acquisition?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522162
Inglês
The incorporation of English into Brazilian Portuguese
has evolved over several decades. How has the
influence of English in Brazilian Portuguese historically
impacted its use in everyday speech?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522161
Inglês
There are several theories regarding how humans
acquire language, each with different perspectives on the
role of innate biological mechanisms and social
interaction. For example, the nativist theory suggests that
language acquisition is an inborn ability, while the
interactionist theory emphasizes the importance of social
interaction in learning a language. How does the
interactionist theory explain language acquisition?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522160
Inglês
Texto associado
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for
less than a decade, Gen Z has already shaken up work
as we know it. They're quiet quitting, overcoming
imposter syndrome, taking adult gap years, and fully
embracing being the personality hire. But they're also,
apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity
Association, a financial services company, only 20
percent of Gen Zers are currently saving for retirement.
Surya Kolluri, head of the TIAA Institute, says there are a
myriad of reasons as to why Gen Z may be behind on
starting to save for this milestone: The cost of living is
higher, financial pressures are abundant, student debt is
climbing, and there's been more of a desire to achieve a
healthy work-life balance and flexibility in careers instead
of a six-figure salary. And of the 80 percent of
respondents who haven't started saving, 35 percent of
them admit they don't even know where to start.
A recent Bank of America study provided further
confirmation: based on internal deposit account data, the
banking institution found that Gen Z on average doesn't
have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path
to retirement is a lack of knowledge. Saving, investing,
and the power of compounding aren't exactly taught in
schools, and there are enough fin-fluencers and
resources out there to make even the most dialed-in Gen
Zers feel overwhelmed.
The most common — and easiest — path toward
retirement is taking advantage of an employer's 401(k).
Lauren, 24, does, but while her current company
matches 4 percent of her contributions, she tells PS her
former employer didn't match at all. "I didn't even realize
that that was such a benefit I was missing," she says.
"When I would tell people that they weren't matching it
they were like, what? How are they getting away with
that? And I had no idea." Now, of course, Lauren is
taking full advantage of her employer's plan — but she
would've been more ahead in her saving game if she
knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently
saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to
dwindling job security and the rise of the gig economy, a
chunk of the workforce has been left behind on
retirement planning.
Angelina, 27, comes from a family of restaurateurs and is
currently partial owner of a restaurant. Currently, she has
zero retirement savings. Her dad, however, opened his
first restaurant at 36 and was able to retire at 60. "He was
able to start something and retire in less than 25 years,
which I think gave me a false perception of reality," she
says. "I think I'm going to be able to achieve the same
thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily
enough to survive on, if that even exists by the time that
I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's
currently planning to retire in her 30s — at least, in a way.
For most of her working life, she's held two full-time jobs
and currently owns a townhouse in downtown Toronto
that she rents out to tenants. She lives with her parents
to save money and tells PS that 50 percent of her income
goes to investments, including retirement.
Right now, she's using Financial Independence, Retire
Early (FIRE) as a guide, which follows a formula of
saving, investing, and frugal living to reach "financial
independence" in a short time frame.
"It's a more flexible variation of retirement," Jane
explains. "Retirement doesn't just take one form. There
are a lot of different types of it. It's not never working —
it's being work-optional, being flexible, being able to take
really long breaks."
The first milestone under FIRE is called "barista fire,"
which Jane is currently working toward obtaining. "It
gives you flexibility to be work-optional and gives you
flexibility to have enough [saved] that you can be a
barista, for example, or work part-time for the rest of your
life so you're not dependent on a full 9-to-5 corporate
job," she says. "My first FIRE milestone is hopefully
saving $700,000. That would enable me to find
alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that
employers like Lauren's play a vital role in enabling their
workers to get on a strong financial plan, meaning that
freelancers or those who are self-employed, like
Angelina, need to work that much harder to get
themselves started. If you fall into that bucket, he says
that looking into individual retirement accounts (IRAs) are
a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow
Jones, agrees that endless opportunities to buy and
consume don't help very much when it comes to saving.
"I think it's really hard when you're constantly bombarded
with so much to buy and so much FOMO," she says. "It's
very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for
their age group's lack of retirement funds: the rising cost
of living, a shortage of knowledge, and endless
opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are
perfectly tailored to things we want to purchase and
overconsumption is so normalized," Angelina says. "I
would say [Gen Z not saving] is more because of
overconsumption and the need to shop that's ingrained in
us versus not having things like a 401(k), or whatever the
hell it's called."
Kolluri says education and instilling confidence among
young people when it comes to their money is a must.
Saving for retirement is vital — not only for living
expenses to be covered with age, but medical expenses,
too. "The average couple spends over $300,000 on
healthcare in retirement in cash," Sacks says. "The funds
that you're saving are not just to live in Boca and play golf
all day they're also to take care of yourself as your health
deteriorates."
Kolluri says that what's different about Gen Z is they
value one thing above all else: freedom. "People in this
demographic express interest in wanting to maintain the
freedom to pursue their interests and being able to
financially manage their lives," he says. "That is a new
combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina,
though, is already looking forward to the future. "2025 is
my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
The article features the perspectives of different
individuals regarding retirement savings. These
individuals express their views based on their own life
situations and financial understanding. What best
describes the relationship between the speakers' views
and their personal experiences, as conveyed in the
article?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522159
Inglês
Texto associado
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for
less than a decade, Gen Z has already shaken up work
as we know it. They're quiet quitting, overcoming
imposter syndrome, taking adult gap years, and fully
embracing being the personality hire. But they're also,
apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity
Association, a financial services company, only 20
percent of Gen Zers are currently saving for retirement.
Surya Kolluri, head of the TIAA Institute, says there are a
myriad of reasons as to why Gen Z may be behind on
starting to save for this milestone: The cost of living is
higher, financial pressures are abundant, student debt is
climbing, and there's been more of a desire to achieve a
healthy work-life balance and flexibility in careers instead
of a six-figure salary. And of the 80 percent of
respondents who haven't started saving, 35 percent of
them admit they don't even know where to start.
A recent Bank of America study provided further
confirmation: based on internal deposit account data, the
banking institution found that Gen Z on average doesn't
have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path
to retirement is a lack of knowledge. Saving, investing,
and the power of compounding aren't exactly taught in
schools, and there are enough fin-fluencers and
resources out there to make even the most dialed-in Gen
Zers feel overwhelmed.
The most common — and easiest — path toward
retirement is taking advantage of an employer's 401(k).
Lauren, 24, does, but while her current company
matches 4 percent of her contributions, she tells PS her
former employer didn't match at all. "I didn't even realize
that that was such a benefit I was missing," she says.
"When I would tell people that they weren't matching it
they were like, what? How are they getting away with
that? And I had no idea." Now, of course, Lauren is
taking full advantage of her employer's plan — but she
would've been more ahead in her saving game if she
knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently
saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to
dwindling job security and the rise of the gig economy, a
chunk of the workforce has been left behind on
retirement planning.
Angelina, 27, comes from a family of restaurateurs and is
currently partial owner of a restaurant. Currently, she has
zero retirement savings. Her dad, however, opened his
first restaurant at 36 and was able to retire at 60. "He was
able to start something and retire in less than 25 years,
which I think gave me a false perception of reality," she
says. "I think I'm going to be able to achieve the same
thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily
enough to survive on, if that even exists by the time that
I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's
currently planning to retire in her 30s — at least, in a way.
For most of her working life, she's held two full-time jobs
and currently owns a townhouse in downtown Toronto
that she rents out to tenants. She lives with her parents
to save money and tells PS that 50 percent of her income
goes to investments, including retirement.
Right now, she's using Financial Independence, Retire
Early (FIRE) as a guide, which follows a formula of
saving, investing, and frugal living to reach "financial
independence" in a short time frame.
"It's a more flexible variation of retirement," Jane
explains. "Retirement doesn't just take one form. There
are a lot of different types of it. It's not never working —
it's being work-optional, being flexible, being able to take
really long breaks."
The first milestone under FIRE is called "barista fire,"
which Jane is currently working toward obtaining. "It
gives you flexibility to be work-optional and gives you
flexibility to have enough [saved] that you can be a
barista, for example, or work part-time for the rest of your
life so you're not dependent on a full 9-to-5 corporate
job," she says. "My first FIRE milestone is hopefully
saving $700,000. That would enable me to find
alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that
employers like Lauren's play a vital role in enabling their
workers to get on a strong financial plan, meaning that
freelancers or those who are self-employed, like
Angelina, need to work that much harder to get
themselves started. If you fall into that bucket, he says
that looking into individual retirement accounts (IRAs) are
a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow
Jones, agrees that endless opportunities to buy and
consume don't help very much when it comes to saving.
"I think it's really hard when you're constantly bombarded
with so much to buy and so much FOMO," she says. "It's
very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for
their age group's lack of retirement funds: the rising cost
of living, a shortage of knowledge, and endless
opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are
perfectly tailored to things we want to purchase and
overconsumption is so normalized," Angelina says. "I
would say [Gen Z not saving] is more because of
overconsumption and the need to shop that's ingrained in
us versus not having things like a 401(k), or whatever the
hell it's called."
Kolluri says education and instilling confidence among
young people when it comes to their money is a must.
Saving for retirement is vital — not only for living
expenses to be covered with age, but medical expenses,
too. "The average couple spends over $300,000 on
healthcare in retirement in cash," Sacks says. "The funds
that you're saving are not just to live in Boca and play golf
all day they're also to take care of yourself as your health
deteriorates."
Kolluri says that what's different about Gen Z is they
value one thing above all else: freedom. "People in this
demographic express interest in wanting to maintain the
freedom to pursue their interests and being able to
financially manage their lives," he says. "That is a new
combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina,
though, is already looking forward to the future. "2025 is
my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the sentence "The most common — and easiest —
path toward retirement is taking advantage of an
employer's 401(k)," the word "path" refers to which of the
following?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522158
Inglês
Texto associado
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for
less than a decade, Gen Z has already shaken up work
as we know it. They're quiet quitting, overcoming
imposter syndrome, taking adult gap years, and fully
embracing being the personality hire. But they're also,
apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity
Association, a financial services company, only 20
percent of Gen Zers are currently saving for retirement.
Surya Kolluri, head of the TIAA Institute, says there are a
myriad of reasons as to why Gen Z may be behind on
starting to save for this milestone: The cost of living is
higher, financial pressures are abundant, student debt is
climbing, and there's been more of a desire to achieve a
healthy work-life balance and flexibility in careers instead
of a six-figure salary. And of the 80 percent of
respondents who haven't started saving, 35 percent of
them admit they don't even know where to start.
A recent Bank of America study provided further
confirmation: based on internal deposit account data, the
banking institution found that Gen Z on average doesn't
have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path
to retirement is a lack of knowledge. Saving, investing,
and the power of compounding aren't exactly taught in
schools, and there are enough fin-fluencers and
resources out there to make even the most dialed-in Gen
Zers feel overwhelmed.
The most common — and easiest — path toward
retirement is taking advantage of an employer's 401(k).
Lauren, 24, does, but while her current company
matches 4 percent of her contributions, she tells PS her
former employer didn't match at all. "I didn't even realize
that that was such a benefit I was missing," she says.
"When I would tell people that they weren't matching it
they were like, what? How are they getting away with
that? And I had no idea." Now, of course, Lauren is
taking full advantage of her employer's plan — but she
would've been more ahead in her saving game if she
knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently
saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to
dwindling job security and the rise of the gig economy, a
chunk of the workforce has been left behind on
retirement planning.
Angelina, 27, comes from a family of restaurateurs and is
currently partial owner of a restaurant. Currently, she has
zero retirement savings. Her dad, however, opened his
first restaurant at 36 and was able to retire at 60. "He was
able to start something and retire in less than 25 years,
which I think gave me a false perception of reality," she
says. "I think I'm going to be able to achieve the same
thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily
enough to survive on, if that even exists by the time that
I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's
currently planning to retire in her 30s — at least, in a way.
For most of her working life, she's held two full-time jobs
and currently owns a townhouse in downtown Toronto
that she rents out to tenants. She lives with her parents
to save money and tells PS that 50 percent of her income
goes to investments, including retirement.
Right now, she's using Financial Independence, Retire
Early (FIRE) as a guide, which follows a formula of
saving, investing, and frugal living to reach "financial
independence" in a short time frame.
"It's a more flexible variation of retirement," Jane
explains. "Retirement doesn't just take one form. There
are a lot of different types of it. It's not never working —
it's being work-optional, being flexible, being able to take
really long breaks."
The first milestone under FIRE is called "barista fire,"
which Jane is currently working toward obtaining. "It
gives you flexibility to be work-optional and gives you
flexibility to have enough [saved] that you can be a
barista, for example, or work part-time for the rest of your
life so you're not dependent on a full 9-to-5 corporate
job," she says. "My first FIRE milestone is hopefully
saving $700,000. That would enable me to find
alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that
employers like Lauren's play a vital role in enabling their
workers to get on a strong financial plan, meaning that
freelancers or those who are self-employed, like
Angelina, need to work that much harder to get
themselves started. If you fall into that bucket, he says
that looking into individual retirement accounts (IRAs) are
a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow
Jones, agrees that endless opportunities to buy and
consume don't help very much when it comes to saving.
"I think it's really hard when you're constantly bombarded
with so much to buy and so much FOMO," she says. "It's
very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for
their age group's lack of retirement funds: the rising cost
of living, a shortage of knowledge, and endless
opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are
perfectly tailored to things we want to purchase and
overconsumption is so normalized," Angelina says. "I
would say [Gen Z not saving] is more because of
overconsumption and the need to shop that's ingrained in
us versus not having things like a 401(k), or whatever the
hell it's called."
Kolluri says education and instilling confidence among
young people when it comes to their money is a must.
Saving for retirement is vital — not only for living
expenses to be covered with age, but medical expenses,
too. "The average couple spends over $300,000 on
healthcare in retirement in cash," Sacks says. "The funds
that you're saving are not just to live in Boca and play golf
all day they're also to take care of yourself as your health
deteriorates."
Kolluri says that what's different about Gen Z is they
value one thing above all else: freedom. "People in this
demographic express interest in wanting to maintain the
freedom to pursue their interests and being able to
financially manage their lives," he says. "That is a new
combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina,
though, is already looking forward to the future. "2025 is
my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the article, the author discusses Gen Z's approach to
work and career. One of the terms that has emerged to
describe a specific behavior in the workplace is "quiet
quitting". Based on the context provided in the article,
how would you best define this term?
Ano: 2025
Banca:
AMAUC
Órgão:
Prefeitura de Jaborá - SC
Prova:
AMAUC - 2025 - Prefeitura de Jaborá - SC - Professor de Inglês - Edital nº 1 |
Q3522157
Inglês
Texto associado
O texto seguinte servirá de base para responder à questão.
Does Gen Z Already Have a Retirement Problem?
By Elizabeth Gulino
Although they've only been in the professional sphere for
less than a decade, Gen Z has already shaken up work
as we know it. They're quiet quitting, overcoming
imposter syndrome, taking adult gap years, and fully
embracing being the personality hire. But they're also,
apparently, not saving enough for retirement.
According to the Teachers Insurance and Annuity
Association, a financial services company, only 20
percent of Gen Zers are currently saving for retirement.
Surya Kolluri, head of the TIAA Institute, says there are a
myriad of reasons as to why Gen Z may be behind on
starting to save for this milestone: The cost of living is
higher, financial pressures are abundant, student debt is
climbing, and there's been more of a desire to achieve a
healthy work-life balance and flexibility in careers instead
of a six-figure salary. And of the 80 percent of
respondents who haven't started saving, 35 percent of
them admit they don't even know where to start.
A recent Bank of America study provided further
confirmation: based on internal deposit account data, the
banking institution found that Gen Z on average doesn't
have enough saved to cover a month of expenses.
Kolluri says one of the biggest roadblocks in Gen Z's path
to retirement is a lack of knowledge. Saving, investing,
and the power of compounding aren't exactly taught in
schools, and there are enough fin-fluencers and
resources out there to make even the most dialed-in Gen
Zers feel overwhelmed.
The most common — and easiest — path toward
retirement is taking advantage of an employer's 401(k).
Lauren, 24, does, but while her current company
matches 4 percent of her contributions, she tells PS her
former employer didn't match at all. "I didn't even realize
that that was such a benefit I was missing," she says.
"When I would tell people that they weren't matching it
they were like, what? How are they getting away with
that? And I had no idea." Now, of course, Lauren is
taking full advantage of her employer's plan — but she
would've been more ahead in her saving game if she
knew what to look for before.
Of the 20 percent of the Gen Zers surveyed currently
saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to
dwindling job security and the rise of the gig economy, a
chunk of the workforce has been left behind on
retirement planning.
Angelina, 27, comes from a family of restaurateurs and is
currently partial owner of a restaurant. Currently, she has
zero retirement savings. Her dad, however, opened his
first restaurant at 36 and was able to retire at 60. "He was
able to start something and retire in less than 25 years,
which I think gave me a false perception of reality," she
says. "I think I'm going to be able to achieve the same
thing, but I haven't saved a dime.
"I pay into social security, but that's not necessarily
enough to survive on, if that even exists by the time that
I'm able to collect it," Angelina adds.
Jane, 25, is at the opposite end of the spectrum: She's
currently planning to retire in her 30s — at least, in a way.
For most of her working life, she's held two full-time jobs
and currently owns a townhouse in downtown Toronto
that she rents out to tenants. She lives with her parents
to save money and tells PS that 50 percent of her income
goes to investments, including retirement.
Right now, she's using Financial Independence, Retire
Early (FIRE) as a guide, which follows a formula of
saving, investing, and frugal living to reach "financial
independence" in a short time frame.
"It's a more flexible variation of retirement," Jane
explains. "Retirement doesn't just take one form. There
are a lot of different types of it. It's not never working —
it's being work-optional, being flexible, being able to take
really long breaks."
The first milestone under FIRE is called "barista fire,"
which Jane is currently working toward obtaining. "It
gives you flexibility to be work-optional and gives you
flexibility to have enough [saved] that you can be a
barista, for example, or work part-time for the rest of your
life so you're not dependent on a full 9-to-5 corporate
job," she says. "My first FIRE milestone is hopefully
saving $700,000. That would enable me to find
alternative sources of income as opposed to a full 9-to-5."
Jane's not exactly the norm, however. Kolluri says that
employers like Lauren's play a vital role in enabling their
workers to get on a strong financial plan, meaning that
freelancers or those who are self-employed, like
Angelina, need to work that much harder to get
themselves started. If you fall into that bucket, he says
that looking into individual retirement accounts (IRAs) are
a good place to start.
Haley Sacks, a financial influencer known as Mrs. Dow
Jones, agrees that endless opportunities to buy and
consume don't help very much when it comes to saving.
"I think it's really hard when you're constantly bombarded
with so much to buy and so much FOMO," she says. "It's
very easy for people to spend everything that they make."
Jane, Lauren, and Angelina all cite similar reasons for
their age group's lack of retirement funds: the rising cost
of living, a shortage of knowledge, and endless
opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are
perfectly tailored to things we want to purchase and
overconsumption is so normalized," Angelina says. "I
would say [Gen Z not saving] is more because of
overconsumption and the need to shop that's ingrained in
us versus not having things like a 401(k), or whatever the
hell it's called."
Kolluri says education and instilling confidence among
young people when it comes to their money is a must.
Saving for retirement is vital — not only for living
expenses to be covered with age, but medical expenses,
too. "The average couple spends over $300,000 on
healthcare in retirement in cash," Sacks says. "The funds
that you're saving are not just to live in Boca and play golf
all day they're also to take care of yourself as your health
deteriorates."
Kolluri says that what's different about Gen Z is they
value one thing above all else: freedom. "People in this
demographic express interest in wanting to maintain the
freedom to pursue their interests and being able to
financially manage their lives," he says. "That is a new
combination we have not seen in other generations."
Retirement is a long way off for Gen Zers. Angelina,
though, is already looking forward to the future. "2025 is
my year to get my shit together," she says.
https://www.popsugar.com/money/gen-z-retirement-49425345
In the sentence "According to the Teachers Insurance and Annuity Association, a financial services company,
only 20 percent of Gen Zers are currently saving for
retirement," the verb tense "are saving" is used. What is
the function of this tense in the context of the sentence?
Conheça nossos planos