Transcript: Plan Ahead; Delay Spending Money Management: Control Your Cash Flow Spending Plan ~ Road Map for Success PYF – Pay Yourself First Emily Schoenfeldt Use DECIDE steps for all financial situations contributing to lifelong decisions. Without a Spending Plan Establish priorities; plan in advance to: Make progress to achieve goals Avoid “traps” and buyer’s remorse Deal with unexpected costly events Have money on hand when you need it Put you in control of how your money is used Envelope system Weekly receipt tally Checking account register Spreadsheet Personal finance software or app Takeaways Get a Bigger Bucket Short-Term = Up to three months Medium = Three months to a year Define your goal Establish criteria for an acceptable outcome Choose two or three good options Identify pros and cons of the options Decide the option that best matches criteria Evaluate the results Be crafty Help your neighbors Teach others Be a tech troubleshooter Work for your parents Start an Internet business Long-Term = More than a year DECIDE is to Make a Decision SMART Goals Specific Measurable Attainable Relevant Time-Bound Track Your Money Set aside money for “big ticket” items Avoid borrowing, which costs you more money Very wise to save a little now for later Every time you PYF you have more money to spend later on things that are important to you Tips Informative Video Remember SMART Goals DECIDE Steps Spending Plan Pay Yourself First (PYF) Get a Bigger Bucket Track Your Money 0.00 - 0.30 Middle School Presentation May come up short on money before the next paycheck or allowance payment More likely to not reach long-term spending goals Added stress if struggling to keep up with payments May need to give up something you planned if money needs to be used for unexpected emergencies Give up independence if you need to rely on others for financial help
Transcript: Finance COMPANY LOGO By Jack Demet and Nathan Valk Personal Saving Saving Pay yourself first! Always save money before you spend it. Start Saving as early as you can The more time the more money can accumulate from interest Average saving account interest rate: 0.06% $10,000 vs. $10,030.04 Interest Example You Have $10,000 Keep at home Put in a Bank Account Result: After 5 years you have $10,000 Result: After 5 years you have $10,030.04 While the interest rate is not high enough to keep up with inflation (3%) it's better to have it increase in value a little bit than decrease Or Other benefits of Savings Account: Benefit of saving Money is safer in a vault at a bank than at your house Money in bank is insured up to a certain max value Its easy to withdrawl (take money out) and deposit (put money in) funds into a savings account. (liquidity) Investing Investing Spending money in hopes of making a profit sometime in the future The riskier the investment the higher potential return you can get The lower the risk, the lower the potential return is Investments Types of Investments Bonds You loan money to a corporation or US government Stocks Money raised by a business through the subscription of shares Collectibles Valued Item that is sought out by collectors Mutual Funds Program funded by investors that invests in a diversification of stocks Investing Tips Competitive Analysis Strengths Weaknesses COMPANY LOGO Investing Tips Invest Early Diversify Do not put all your eggs in one basket If its too good to be true, it probably is You have to Spend Money to Make Money Investing Tips Goals S.M.A.R.T. Goals S- Specific What needs to be accoplished? Who else will be involved? Where will this take place? M- Measurable How will I know ive succeeded? A- Attainable Is the goal reasonable for me? (not to hard not too easy) R- Relevant Is it worthwhile? Is it meaningful or something others want me to do? T- Times bound When do I start? When will I be finnished? How to acheive your Goals Make a plan! Without a plan, it is easy to get distracted. Make sure you actualy want to accomplish this goal. Not somehting your mom told you to do. Tips for Acheiving Goals Examples Examples of S.M.A.R.T. Goals Short-Term (up to 3 months) Save money to spend at the mall Save $50 from every paycheck for 2 months so that I can save up enough money to go shopping at the mall. Medium-Term (3 months to a year) Buying A computer Work an extra job that makes $50 a week and save 35% of paycheck money so that I can buy a laptop to use for school later in the year. Long-Term (A year or more) Save for college tuition Save money from birthday and holiday along with 85% of paycheck for the next 2 years to pay my freshman year tuition. Credit Credit Cards Payment card issued to customers for them to purchase goods and services The Credit Card company pays for your purchases knowing that you will pay them back at a later date Works like a loan (Borrowing Money) for all of your purchases Credit Card companies make their money by charging interest on the money that you owe them You will receive a credit card bill every month with the amount you owe Benefits of Credit Cards Benefits of Credit Cards Companies will offer rewards/points for the purchases you make Thieves cannot steal money from you because the money that is on the credit card is not yours (Protection from fraud) If you buy a product and it does not meet your standards you can return more easily than a debit card Credit Card companies can offer you insurance Misconceptions & Mistakes Misconceptions & Mistakes Missing payments It is always best to make payments as soon as you can Pretending credit does not exist You are earning credit so use it Not setting a budget You do not want to spend more money than you have Only paying the minimum amount due each month You want to pay as much as you can early so that you do not have to pay more in the long run Credit Card Tips Credit Card Tips Types of things to buy Food & Clothing because they are cheap and easy to pay back Car because it is a large purchase so you will get a lot of point/rewards and it will take sometime to pay off Set a reminder every month to pay your debt Pay in full (Pay off all the money you owe so you can avoid interest building up) Check Credit Card account weekly Track purchases (Keep receipts) so they match your credit card statement
Transcript: officer rick gramer - middle school GRAMER #8 stress management - Chatting with people you don't know -providing personal info contact you do online is tracked and able to be found... by anyone. GRAMER #4 school counselors/psychologist/teachers family, coaches, religious leaders GRAMER #24 surviving middle school how do you spend time with your kids? Resources GRAMER #9 everything - What's appropriate to post? - What's Appropriate to look at? Social Media content + Comments - polite or negative + videos - vine, vimeo, youtube, facebook, snapchat, etc. + "LIkes" + Tweets + #Hashtags + MEssages +Tags - photo, geo-location + Location + Personal Information city of irvine middle school program what to expect? adult role models question & answer ??? leadership training, community service, Education, & Sports GRAMER #7 irvine police department Digital citizenship GRAMER #15 - online bullying - creating false accounts - hacking Conduct Conduct, Contact, & Content
Transcript: DAYS OF THE WEEK! ITALIANO HAPPY BIRTHDAY! Monday - Lunedi Tuesday - Martedi Wednesday - Mercoledi Thursday - Giovedi Friday - Venerdi Saturday - Sabato Sunday - Domenica Testa, spalle, ginocchi, dita! Testa, spalle, ginocchi, dita! E occhi, orecchi, bocca, e naso! Testa, spalle, ginocchi, dita! Head, shoulders, knees and toes Knees and toes Head, shoulders, knees and toes knees and toes and eyes, and ears, and mouth and nose! Head, shoulders, knees and toes knees and toes! HEAD, SHOULDERS, KNEES AND TOES Tanti auguri a te! Tanti auguri a te! Tanti auguri a te! Tanti auguri a te!
Transcript: Lopez High School Arts, A/V Technology & Agriculture Magnet FFA At Lincoln Park Mill & Cabinet Making Technology Audio/Video Production Graphic Design & Illustration >Photography TSA Animation Performing Arts >Estudiantina >Dance *Artistry in Motion Dance Collective *The Fine Arts Company & Golden Stars Dance Team >Theatre Arts >Visual Arts >Piano Business Management Banking & Financial Services Project Lead the Way Cosmetology Digital & Interactive Multimedia Law Forensic Science Correctional Services Security Services Plant Systems Power Systems Lopez Lobos always,Always, ALWAYS lead the pack! >Choir Animal Systems >Band (Brownsville Learning Academy)
Transcript: ENERGY ENERGY ENERGY!!!!!! Eyes for Lies Listen Listen! Groups: Working Together Expression: This is ME!? O_o --> Pay them individual attention --> Direct energy correctly and dynamically 13 year old -realistic -detail -use of gradient Ideas and Lesson Plans! The pseudorealistic stage occurs between the ages of 11-13. Students' work begins to look more realistic. Lowenfield categorizes two types of young artists within this group: the haptic type and the visual type. The haptic type tends to use color to indicate emotion, while the visual type prefers color in their work to appear as it does in real life, more naturally. When color is not used in the artwork, detail is what is emphasized (effective shading, making subjects three-dimensional, etc.) We should be conduits of their pro flow! Self-discovery is all about making mistakes and having a safe environment where they can fix them. --> Middle School! -Other Materials: Paper Mache and Clay - COLOR -Self Portraits/Cartoons 13 year old -naturalistic -distance indicated -lighting -space depicted --> 13 year old -anatomically correct (proportions, etc.) -differentiate through pattern -space used effectively --> They will discover much about themselves as they work with other's ideas. These guys can smell a faker like a shark can smell blood. There will be much self discovery as they work with other's ideas. So much time hearing what they need to be doing from teachers, parents, peers, etc. --Crit --designate story time --ask opinions/thoughts 12 year old -perspective -3D -line quality and detail Breakin' it Down: Traits Middle school is all about self discovery. We must be conduits for their pro flow! --> Development, Traits, and Ideas --> Developmental is Essential to Your Potential
Transcript: How to survive high school. Getting to know RHS Be familiar with where your locker is located. Different hallways have different classroom subjects. Know where your classes are. The Scheduling/Work Ethic of RHS Be on time for your classes. Don't be late. The Social Life of RHS Good :-) Bad >:( Get on good terms with your teachers :) Students at RHS Keep your grades up. Stay on top of your school work and homework. You're responsible for your own work. The Extra Curricular Activities of RHS Get involved. Join a club or sport. Sports Community Engagement Night Class officer and Student Council President Vice President Treasurer Secretary High School isn't as bad as you think. It's a time to have fun :) RHS Academics Our very own famous David Crowe!!! Richwood High School :)
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