Transcript: Our Life Journey How we managed our money. CJ Mc Donald's Ending Balance: $1,095.56 Daniel Chapman Ending Balance: $7,606.92 Cut Backs What was not realistic CJ Mc Donald & Daniel Chapman Bills Bills Payday St. Elizabeth Hospital - Appleton, WI Payday Ciera Cutlass 1993 Payday Payday Finance DC Payday Bought a pet fish and supplies for $31.28 Groceries Bills CJ: Get a different job. CJ Mc Donald & Daniel Chapman Bills CJ: Different vehicle. Bills Daniel Chapman * Cable Channels * Internet * Landline Phone * Pets * Electronics (Desktop PC Payday $63525.12 (A.T) Transportation Payday Payday Bills Payday CJ What we would do over? DC: Different apartment. SB DC: Different location. DC: Paycheck. Daniel Chapman Bills Lottery Bought parants a 3-day vacation to Florida - $1239. Payday Bills Aviation (Aeronaustics Pilot) CJ Mc Donald CJ: Bi-weekly for gas. Most Bought: Campbell's Chunky Soup Chicken Noddle Bills CJ Mc Donald Payday Sued bicyclist for $800 for hit and run. Bills Living Quarters Bills Whittman Regional Airport - Oshkosh, WI Our Careers Chevy Impala 2003 $30,000 (A.T) , HDTVs ect.) Payday CJ & DC : Jobs right out of Bills college. Won $2000 lottery Fate Cards Anesthesiologist CJ Mc Donald Daniel Chapman Bills 2132 W. Ninth Street Oshkosh, WI 54904
Transcript: Tuition and Fee cost Occupational Therapist make about $34.77 an hour and about $72,320 a year. There are an estimated amount of 108,800 Occupational Therapist jobs in the United States alone. Requirements for Occupation Therapist Occupational therapists treat patients with injuries, illnesses, or disabilities through the therapeutic use of everyday activities. They help these patients develop, recover, and improve the skills needed for daily living and working. You have to have graduated high and pass all your required classes. You have to go to school for 8 years to get your Masters degree which is the minimum for an Occupational Therapist. IN STATE: Tuition rates generally run around $7,000 per semester. (including books, and housing) OUT OF STATE: Tuition rates generally run around $15,000 per semester.(including books, and housing) Athletics ETSU Buccaneers compete within the NCAA and the Atlantic Sun Conference. Mens sports are Basketball, Baseball, Soccer, Cross Country, Golf, Track and Field, and Tennis. Womens sports are Basketball, Cheerleading/Dance, Softball, Soccer, Cross Country, Golf, Track and field, Tennis, Volleyball. Facts about an Occupational Therapist ETSU HISTORY: ETSU CAMPUS ETSU was founded in 1911 as a teacher college. ETSU has grown into a multifaceted four-year public liberal arts, propelling students forward with over 125 undergraduate, graduate, and doctoral programs. With over 40 states and 60 foreign countries represented in the student body, ETSU is a melting pot of diversity and an environment of enhanced educational opportunity. What is an Occupational Therapist?
Transcript: Banking Today we will go on a journey from writing the check all the way to collecting interest on the money to answer "How does the process of check to bank work?" By: Cole Pilachowski Imagine you are working for your neighbor, mowing his lawn for $25. When you finish, your neighbor tells you he's out of cash and doesn't know how to write a check. You tell him, "I know how to write one! It's easy!" Checks: How to Write Them 1. Checks On a check, there are many things to fill out. You fill in the date, write who or what you're giving money to on the "Pay to the order of" line, and write the amount in numbers on the right of the dollar sign. Next, you write the amount in words. The banks will trust that over the amount in numbers, so make sure you have that part correct. After that, write in why you are giving money on the memo. Finally, sign the check and you're done! What To Write On A Check What To Write Afterward, After you help out your neighbor, he fills out the check and hands it to you. You feel accomplished for doing the hard work of mowing his lawn, as well as helping him write out the check. Now that you have your very first paycheck, you want to put it in the bank right away. You go to your parents for help, but they say to research where you want to put your money. While researching, you see something called a credit union. "What is this, and how is it different from a bank?" you ask yourself. Banks Vs. Credit Unions 2. Banks Vs. Credit Unions The main difference between banks and credit unions is whether they are for profit or not. Banks are for profit, as they charge high fees, aren't the best with customer service, but they do have rewards programs for customers as well as low rates. Credit unions are not for profit, so they have lower fees and better customer service, while having higher rates than a bank would. Banks are also much more convenient than credit unions, due to them being in almost all major cities. If you live in a small town and/or don't want high fees, choose a credit union. If you live in a bigger city and/or like to earn rewards from the bank, choose a bigger bank. The Difference Between Banks and Credit Unions What's The Difference? Afterward, After you make your decision, you go to your parents. "I've made my choice," you tell them. You want to go with a bank. They have better rates and there is one right downtown to go to. You are going to have your own savings account! Now that you have your own savings account, you realize you don't really know what that means. For example what are the rates and why are they good. You decide to research them as well. Savings Accounts 3. Savings Accounts A savings account is for storing away money that you don't need at the moment. If you want to save for a new pair of shoes or to buy a new phone, you should establish a savings account and add money to it every month. Rates for savings account range from .01% to 2.10% per year, so if you want to open one check and see what rates each bank has to offer as well as benefits along with the rate. What is a Savings Account? What is a Savings Account? Afterward, After researching, you know for sure you want to put your money in a new savings account. You go to your parents and ask them to set up the account for you, which they agree to. The next business day, your mom takes you to the bank to cash your first ever check. After that's done she tells you that now that it's in the bank, you'll collect interest on it. "What's interest?" you ask. "Well, I'll explain it to you," she responds. Interest 4. Interest Interest is when a bank adds money onto the amount you already have at different rates based on what kind of account you have, how long you've had it, and what bank you have invested your money into. Interest can collect once a year (Annually), twice a year (Semi Annually), four times a year (Quarterly), or twelve times a year (Monthly). Interest starts with your principal, or the amount of money that you start with in an account. Banks can build off of your principal in two ways - simple or compounding. How Does Interest Work? How Does Interest Work? Afterward, After she explains it to you, you ask her if you have to do anything to get interest. "No, all you have to do is keep your money in the bank," she answers. "Awesome! Free money!" you say back. "Well, not exactly..." she replies. On that same car ride, while thinking about interest, you ask, "What is the difference between simple and compound interest?" Your mom thinks it over for a second and then says, "Well, it's a little complicated, but I'll try to explain," Simple Vs. Compound Interest 5. Simple Vs. Compound Interest Simple and compound interest are very different. Simple adds the same amount every time it adds interest, calculated off of your principal, or original amount. Compound, on the other hand, adds off of the principal just once, and after that it adds interest based on your principal and the first amount added and so on.
Transcript: Personal Finance Presentation Addisyn Butler Top 2 Jobs Top 2 Jobs 1) Actress Salary(25k-250k) 2) Model Salary(29k-201k) Four-Year Colleges Tisch School Of The Arts- Nyc The Juilliard School- Nyc Four-Year College None Pace University- Nyc A B Pace University SAT 1060-1220 ACT 22-27 GPA 3.4 Acceptance Rate- 75.9% Tisch School Of The Arts SAT 1370 ACT ??? GPA 3.0 Acceptance Rate- 16% C The Juilliard School SAT 1000 ACT 20 GPA 3.0 Acceptance rate- 7.6% College Requirements REQUIREMENTS C 1 Books) ??? Tuition)?? 2 Personal Goals Rent) $2,000+ 3 Costs Yearly $46K yearly $46k Making more on the less side of yearly pay for actresses/ Not as successful. Living conditions Living Conditions Renting Pets Food Have my 2 cats with me if i can afford it probally will have a smaller budget on food. I will probaly rent instead of buying for a while if I'm making less money than i would hope to Monthly Costs no apartment parking garage, $530 Pets Food Parking $250 $1,000 Other Pet insurance $50 Pet food $60(raw food diet) $1,000+ Monthly cost Rent Monthly Income est. Monthly Income est. $3,750 before taxes Yearly $260K Yearly $260k+ Being more successful and making more money. Living Conditions Living conditions rent Spending ore money on me spending more of my money on stuff i done need Renting still, have my dog and my cats. Est. Monthly Costs Performance Goals Parking monthly income est. Personal Goals
Transcript: DECA CHS business classes saving your money. - Madisyn Schauer - Rhyan Haman CHS business classes personal finance - how to save and spend your money wiseley. - good money habits - learning how to save and invest. Marketing CHS business classes Marketing - involving jobs, careers and advertisement. - helping you in the marketing business. - learn how to present in front of people. Century DECA - business club - for all grades 9-12 - all around state -looks good on college resume more DECA things - help raise money for conferences in the future. - sold breakfast tickets to familly, friends. - pankcake breakfast more DECA things DECA funraisers When is it a good time to save? saving Saving - yesterday was the best time - today is the second best time how long? - Savings: short term. EX: pair of shoes why saving is important saving more saving things - when unexpected things come up - just being secure - for financial stability activity Activity split into two teams
Transcript: My Life as a Mustard Taster My Life Denver, CO Mustard Taster $11.50 an hour Work 50 hours a week $2,300 a month Savings $230 Saving to attend college My Life House and Car Denver 2 Roommates 8260 Washington St. Rent $500 Utilities $63.33 Internet Xfinity $9.99 1988 Honda Accord $180 Car Payment $89.78 Insurance Geico House and Car Food $118.03 per month Some of the items I bought were: Cereal $5.99 for two boxes Milk $4.05 for one gallon Bread $2.79 Chicken $6.86 for two packages Lettuce $1.59 Carrots $3.10 Noodles $3.88 Cheese $3.74 Spaghetti Sauce $3.00 for 3 cans $200 set aside for eating at restaurants Food Other Costs Traveling Addiction $95 Skiing Yoga Club Membership $30 Cell Phone Service $80 Verizon Netflix $8 Spotify $12 Pet Goldendoodle $105.83 $200 for entertainment Other Costs Budget Spreadsheet Budget Spreadsheet
Transcript: how does credit score affect your life? what is credit score? what is a mutual fond what is credit? credit is money that you borrow from someone and have to pay back wit interist a credit card is not your money is money that your borrowing debit is your money using your money to make more money a type of account when you spend your on money what is investing ? what is the difference between a debit and a credit card? a loan you make to the government a unit of ownership in company what is a bond? it determain what kind of job u can get and als what you can buy using credit a grade or score that a buissness give you based on how you pay youtr bills personal finance presentation a group of investers that pu there money together what is a stock? what is a checking account
Transcript: Budgeting SMART Goals Need Specific Measurable Attainable Realistic Time-bound Want Steps of Budgeting Set Goals Estimate Income Estimate Expenses Plan for Savings Balance and Adjust Paychecks Gross Pay Net Pay Benefits Cafeteria Style Flexible Spending Health Insurance Taxes State Tax Federal Tax FICA Social Security 6.2% Medicare 1.45% 1040EZ 1040A Investments Mutual Funds Diversity Professional Stocks Common Preferred Bull Market Bear Market Bonds Coporate Government Investors Speculator Investor Checking Account Writing a Check http://banking.about.com/od/checkingaccounts/ig/How-to-Write-a-Check/1write_a_check_step2.htm Credit Credit Scores Credit Report In depth credit history Loans Credit Card Personal Finance By Alex E. & Chase M. Delayed Gratification Deductions higher APR Money now Tax Returns Transunion Equifax FICO It's important to make sure your ending balance is the same as the bank's. Reconciling
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