Adefinite warning signal that indicates you are having serious credit management problems include: using one credit card to pay for another credit card. a. stalling one creditor to pay another. b. receiving past-due notices with billing statements. c. paying only the minimum each month. d. all of the above.

Effective community programs the individual, the community, organizations, and the government. select the sentence that shows a benefit to organizations. ryan and farah were discussing voluntary work. ryan was very keen to work on health-related issues. he knew that many districts had effective community programs. farah recently read a report about a local community program that reduce the rate of heart diseases by 30 percent. this reduced healthcare costs. local companies also saw productivity increases.