Naming Files 1_Last_F_Assignment Name
Turning in Work
Show me the score on your computer
8000 KPM Full Credit, 20 points
6001 - 7000 16 points
5001 - 6000 14 points
4001 - 5000 12 points
3001 - 4000 10 points
2001 - 3000 8 points
1000 - 2000 6 points
I will check it anytime during the last week in february
Stock Market Assignment
Have 3 tabs for regular stocks, we'll turn it in at the middle of the semester and the end to verify it is turned in consistently. There is a tab for daytrading that we'll update 3 times per week. The criteria will be as follows:
1. .5 points per line
2. Have at least 10 stocks, don't purchase same stock 2 days in a row.
3. Minus one point for every stock under 10
4. 60k start value, 2.5 for every 10k increase. Capped at 20 points
*examples of layout in the share drive.
Turn in between May 29 and June 5
***Assignment 1.1 in the gradebook, based on Chapter 1.1, Money Management: Contoll your Cash Flow*****
Tab 1, named 1.1 Complete Activity 1.1: My Money Habbits
Tab 2, named coffee, pick one item that you regularly buy, like coffee, have the following column headings, adjust if you use something other than coffee:
Coffee (cost of one purchase)
Cost Per Week (cost above x visits per week)
Cost Per Year (weekly cost x 52)
Value if Invested (yearly cost x 1.104, drag this down 49 cells to represent how much you can save during your life if you eliminate this regular purchase).
Tab 4, named 1.3 Complete Activity 1.3
Tab 5, named 1.5 Complete Activity 1.5, Values Survey
Tab 6, named Selena Michael Smart goals, Look at the goals on page 18, rewrite the goals for Selena and Michael to Smart goals (these are on page 18), following the instruction at the top of the page 17 for guidance.
Tab 7, named my Smart Goals Write two or three of your own goals as smart goals.
***Assignment 1.3 (turned in)*****
Tab 1 Named Selena Decide Pg 22, from Page 22 in the book, looked at Selena's cell phone plan choice
Tab 2 Named Self Decide, From Page 23, go through the decide steps to make a decision that is important to you.
Tab 3, named Activity 1.7, from page 26, use the form in the book to calculate your income.
Tab 4, named My Income Options, List 5 ways to increase your income or come up with alternative income.
Tab 5, named My Spending Plan, from Page 33 and 35, List your spending plan, to include net pay and your expenses, total both and determine if you have savings or income, if you have debt answer the question, what will you cut?
Tab 6, named Chart and Plug Leaks, copy Activity 1-2 from assignment 1-1 and use it to create a chart by selecting the items purchased column and price column, go to the insert tab, and choose a pie chart. answer:
What are my spending leaks?
How can I fix my leaks?
What will you do with the saved money?
What change can you use to avoid future leaks?
Tab 7, named My Action Plan, answer the questions from page 41 in the book.
Tab 8, named Shopping, Look up the prices for 3 products from a used or inexpensive website vs where you usually shop.
In Excel, the first assignment turned in for Chapter 2-1:
Tab 1, name it Credit no Credit, answer the following:
|Are these good reasons to borrow money?|
|»» Taking out a $5,000 student loan for|
|»» Charging dinner and movie tickets|
|during a night out with your friends|
|»» Buying a laptop that’s on sale using the|
|store’s financing program|
|»» Getting a loan to pay your credit|
|»» Charging repairs to get your car|
|»» Borrowing cash from a friend to buy some magazines|
Tab 2, copy and paste Activity 2-1 Borrowing Fitness Test onto Tab 2, call the tab Applied 2-1, answer the questions.
Tab 3, name it, "Credit Calculators. Copy and paste Car Loan Calculator and answer the questions.
Tab 4, Cheap Home, Tab 5 Expensive home. For these tabs use Home Search to find a home that represents the minimum amount of home you would be content with and the most expensive you can reasonably afford. Copy and paste a picture of the house and include these labels for both houses (the numbers are examples):
|15 Year||30 Year|
|Taxes||$ 226.53||$ 226.53|
|Insurance||$ 18.25||$ 18.25|
|Mortgage||$ 759.00||$ 519.75|
|Total Payment||$ 1,003.78||$ 764.53|
|Total Mortgage||$ 136,620.00||$ 187,110.00|
The mortgage is found here:
The Taxes are found here:
The insurance is the house price divided by 12.
Add taxes, insurance, and mortgage for total payment, multiply payment by 15 or 30 years, depending on the labels, times the mortgage per month, times 12.
************turn in 2-1 after tab 6***********
**********2-1 Part 2***********
Tab 1, Net worth, have these labels and type out your net worth now or in the future:
|Mikes Net Worth 2014|
net worth (sub total of assets - sub total of liabilities) 1300
tab 2 Credit Review
Start of Chapter 2-2. This is the PowerPoint for the Chapter --> Chapter 2-2 Borrowing
We put all items on a spreadsheet, 4 tabs. We copied the assignment text into Excel and answered the questions (tab name in parenthesis).
Tab 1 Activity 2-3 Simply Tell the Total (named Simple Interest. We used the items on the link to calculate simple interest. Just type the info from Activity 2-3 into Excel)
Tab 2 Activity 2-4 What is the Average Payment? (2-4 Amortization Calculation), copy the formula and items from the assignment above and use the formula with Excel to calculate the monthly payment.
Tab 3 Pick an Option Task (named Challenge 2-1) Use the DECIDE steps from the book to make an important decision for yourself.
Tab 4 Challenge 2-A-Decide the Best Deal (2-A) Use an online calculator to choose the best deal.
Annual Percentage Rate Calculator (used for tab 4 above)
......New Assignment, called 2-3.....
Started November 3, 2014 2-4
PowerPoint 2-4, the assignment that was turned in is a spreadsheet called 2-4
Learning Outcomes (FYI)
Look up from the credit card database below a contract and find borrowers rights and responsiblities, snip them and paste them on tab 1.
Links for tab 1 below
Tab 2, we named it Notes summarize from the book, from page 34, these terms: offer, acceptance, genuine agreement, consideration, capacity, legality. Summarize from Wikipedia Equal Credit Opportunity Act, Fair Credit Reporting, Fair Credit Billing.
Tab 3, We name it 2-7 Know the Limit, We opened Activity 2-7 from the link and includd Maria's Sister, Jesse's brother, Jesse's sister, your current or future income, and your calculate future yearly or monthly debt.
Tab 4, We called it "Credit Code of Behavior" and answer:
Create a personal spending plan or code of behavior and add what two tips can you offer about using credit?
Tab 1, We named it Activity 4.1: What is Wealthy, Part 1, type your definition of what it means to be wealthy. Part 2 use the retirement age calculator to calculate what percentage of your income you have to save in order to retire at the age you would like to retire, snip and paste the screenshot from Retirement age calculator. Part 3, Answer the question: What is the difference between saving and investing, from page 8 in Chapter 4 Book.
Tab 2 We named it, Activity 4.2: My Windfalls
Write 3 potential windfalls (unexpected money), like a tax return or inheritance, the amounts. Also include 1 savings, total them, include what you would purchase and what amount you would save.
Tab 3, We named it Definitions
Summary of definition of FDIC from Wikipedia and your opinion of the most surprising myths from the Investing, PowerPoint 4-1
Tab 4, We named it Compound Interest
From Investing, PowerPoint 4-1, slide 15 and 16 Calculate simple interest and compound interest from the example on slide.
The formula for simple interest is, I=PxRxT, Use $500 for P x .0055 for r x 1 for time
The formula for compound interes is A = P(1 + r/n)nt ---use shift 6 for the ^. Use $500 for the P, .25 for the rate, 365 for the n, and 1 for the year.
Follow the link above, the question is besides compounding, type out two other ways a person can grow his or her savings.
Tab 6, We called it, Savings Options
Using Chapter 4 of the textbook on page 8, answer the following:
1. Which options earn interest?
2. Which tend to earn higher interest rates?
3. Which accounts allow a depositor to occasionally withdraw funds?
4. Where can a person open a savings account within a 5 mile radius of your location (we will use these two credit unions in tab 7, choose two that interest you?).
Tab 7, We named it, Shop Around
Called Shop Around in the Folder, Challenge 4-A: It Pays to Shop Around
Go online to compare options for saving your money. Go to two banks or credit union websites, look up the following:
1. Current minimum balance requirements
2. Current APY
3. How often do they compound their interest
Also answer the following questions, 1. Define your goal, 2. Establish your criteria, 3. choose two to three good options, 4 Identify the pros and cons, 5. Decide what's best, 6. Evaluate the results.
Tab 8, We named it Wealth Opinion
Write a one-paragraph response to each of the following:
Wealth is not what you make--it's what you keep.
Wealth is what you accumulate--not what you make.
Be sure to have these things:
5 pts,Titles and labels neatly using a larger font than the rest of the trip
10 pts, 10 pics total
10 pts, gas and distance and time formulas
10 pts, 10 sites to visit
10 pts, 2 per day restaurants plus 3 non fast food at the vacation spot.
December ****This is called Activity 5-1, we started turning it in on December 8, 2014****
Financial Services Book (FYI Chapter 5 student guide)
Checking Account PowerPoint (FYI used to explain chapter 5 in class)
Tab 1, We Called it: Proof of Payment, Give two instances in your life (up to this point, or in the future) when a check is a good option to serve as proof of payment rather than paying with cash (from the Activity 5-1 assignment in the folder)
Tab 2 or Tab 3 We called it Activity 5-4 (Period 1, Refer to Activity 5-4, record the transactions listed, on the assignment onto the tab, using the labels from the assignment for Jason's checking account. We modified for 2nd period, to typing in Activity 5-5's checking records.
Tab 3 or Tab 4 (Period 1) We Called it Activity 5-5 Reconcile Reconcile Jason's Bank Statement using Activity 5-5 Does it Balance for information. Most students had two tabs, one with Jason's new checking account records, and one with his reconciliation form.
Tab 4 or Tab 5 (Period 1) Refer to Zoe's Bucks, record the transactions listed, on a spreadsheet with the lables shown on the assignment.
Either turn in a spreadsheet or write on the hard copy and turn it in in. Challenge 5-A. Here are the tabs we created together:
Tabs included are:
November Check Register (must have formulas)
December Check Register
Checks (4 checks)
Deposits (2 deposit slips)
November Reconciliation (must have formulas)December Reconciliation
FYI: Checks and Deposit slips are in the Personal Finance folder.
Tab 1 called brainstorming activity. Come up with at least 6 ways to pay for something besides
cash or check.
Tab 2, called Definitions, defiinitions of money order,
Cashiers check, certified check and wire transfer.Also Payment Portal
Tab 3, Challenge 5C from Share drive, it includes the DECIDE steps for using banking services
Tab 1, called Successes: List 3 Successes including things you are better at than other people and awards.
Tab 2, called What do you think: Answer:
Now, jump ahead a few years to your life at age 25. How will your life be different?Finally, what will your life be like when you're the same age as your parents now?
Tab 3, called Things I like to do: List10 things you like to do.
Tab 4, called: Investment in Me, List 3 ways you already invested in a future career, and 3 future investment strategies for the future. It could be invest way in the future, after your career started, or just the next step. Read pages 9-11 for more information.
Tab 5 Snip of Interest Inventory results *Career Interest Test, if you haven't taken one
Tab 6, called: What is the cost
Have the following headings:
College Type, Private, In-State, Out of State (these go left to right)
Below College Type, add College Name and 4 year Costs.
Go to collegeboard.org and look up a private school, an in-state school and an out of state school and put the 4 year cost.
Tab 7 of the same tab, go to the AACC website, under Resources and Community College Finder to find two colleges or programs that might work for you (Use College Name as a heading) , have a heading that says One interesting item from the AACC website and google the (use Yearly Tuition as a heading) yearly tuition for that program.
Tab 9 Go to todaysmilitary.com, under Careers & Pay, Choose a general field and enlisted or officer, narrow it down to one military job and civilian counterpart, the headings would be Military Career and Civilian Career.
Tab 10 Go to the federal government's financial aid website, snip and paste the screen shot onto the 3.1 page.
Tab 1, named Taxes, have a ling to the HIstoric Federal Income Tax Rate and a link to what Percentage of Americans pay no Income Tax
Tab 1, call it Taxes, List 3 jobs you had and why you chose the job or business.
Tab 2, called Earning Power, List 3 jobs you had and why you chose that job or business,
Decide if job A or job B has the best benefits package, list 3 reasons for your choice. This is from Activity 3-9
Tab 3, named W-4, found in share drive, filled out page 1 and snipped.
Tab 4, named Costs of Working, list 6 costs of working
Figure out how each benefit will add to or take away from your annual salary. If you have extra time, see if you can forecast how each benefit could impact your bottom line after ten years. After you consider the different benefits, decide if you would accept Offer A or Offer B.
Tab 5, My Values at Work, List 6 things you value in a workplace, and list why it is important.
Read pages 28-29, on tab 3, List 3 things you find inconvenient about working.
Tab 6, Meets your needs, list 3 ways to find a job that meets your needs
Tab 7, Take Home Pay, copied from assignment 3.8 in 3-2 folder.
Tab 8, call it LifeTime Pay, put First Year Employed, and pick either 4 year college, 2 year college, Apprenticeship, or military (2 of those) as titles. Have 49 years vertically listed to represent 49 years you potentially worked, subtract your education costs for each year you go to school, add them up, include what you feel is the most interesting conclusion.
Tab 9, Decide Steps for chosing a job.
Tab 10, call it Extra Expenses, list 6 job related extra expenses that you have now, or ask a friend who works about his/her expenses. These can include financial and non-financial expenses, like missing an opportunity to attend a school function.
Tab 1, call it: Take Home Pay. This is from 3-8 from folder 3.3 in the share drive. Follow the form to calculate Kevin's take home pay. Type the whole form onto the tab in Excel.
Tab 2, call it Deductions, benefits, taxes. Have a heading called Deductions, Benefits, and Taxes. Type of list of the taxes you will have to pay, this section starts on page 21 in the Chapter 3 book found on the share drive. We added a ne subheading called Salary, Choose 3 of 5. List the types of pay you will possibly receive in your life.
Tab 3, Call it Figure thge Net Pay, In the 33 folder, there is an assignment called Task Figure the Net Pay. We just typed that on this tab and followed the instructions.
Tab 4, Called Looking Ahead, the point of this was to determine if working in your future career in an expensive city like San Francisco would give you a higher standard of living vs living in a less expensive city like Tacoma or Bakersfield
Turn in on spreadsheet, 3 tabs, 30 points
Carpurchaseworksheet, in the share drive
PersonalFinanceProject, in the share drive 5 days
Have these slides, 2.14 per for a total of 30
Qualities roommate 1
Qualities Roommate 2
How much rent can I afford?
Chapter 4.2 PowerPoint for Review (call the new assignment 4.2).