PUBLIC SPEAKING: Personal Finance Article Review

Today's Public Speaking Assignment: 

• Take 2 minutes to review the personal finance article you looked at over the weekend. 
• Draft a short one and 1/2 minute speech and feel free to write down some bulletized talking points.
• Standard format: Intro, 3 main points, conclusion. 

PERSONAL FINANCE - "Pay-To-Taxes" Process

CONTEXT IS IMPORTANT!

The "Pay-To-Taxes" Process takes you though the real nuts-and-bolts of determining the amount of taxes taken out of your paycheck, and filing a tax return.

It is important to step back from these details and look at the role your taxes play in the big picture. The following video aims to do just that. 
 
"What happens when a paycheck talks? Don't miss an opportunity to learn where your federal income taxes and payroll taxes go."

PERSONAL FINANCE - Role of Credit

The following videos illustrate some of the topics we covered on the role of credit.

Building credit from scratch

We all want to have "good credit," even though it's not always clear how to get there; especially when you're just getting started. But with some solid first steps and a focus on paying your bills on time, you'll be on your way to building a solid credit score.

What is a good credit score?

What is "good" credit? And who determines your credit score, good or bad? This video will show you who keeps track of your credit scores and some rules of the road when it comes to determining "good" credit.

Credit or debit card? What is the difference?

On the surface, credit and debit seem pretty similar. But there are some important differences you should know to make informed, smart decisions.

NOTE: To find other credit-oriented Bank of America videos on Youtube, search "BOA Credit". Other financial companies have videos also.

Disclaimer: The selected Bank of America videos do not represent any endorsement from NJROTC for Bank of America and its products. Their use is solely for illustrative purposes.

PERSONAL FINANCE - Monthly Budget

The following video gives additional guidance on setting up a budget. The material covered dovetails nicely into the information in your handout.

Setting up a budget is a great way to help keep your finances on track and plan for the future. Check out these easy ways to get started creating a better budget for you and your family.

Disclaimer: The selected Bank of America videos do not represent any endorsement from NJROTC for Bank of America and its products. Their use is solely for illustrative purposes.

PUBLIC SPEAKING: Personal Finance Article Review

Public Speaking Assignment (April 6, 2015): 

• Take two minutes to review the homework assignment you just completed that summarized an interesting personal finance article of your choosing along with 3 bullet talking points. 
• Draft a short one and 1/2 minute speech using your bullet talking points.
• Standard format: Intro, 3 main points, conclusion. 

PUBLIC SPEAKING: What Does Personal Finance Mean to You?

Today's Public Speaking Assignment: 

• Take five minutes to think about the concept of what personal finance means to you. 
• Draft a short one and 1/2 minute speech and feel free to write down some bulletized talking points.
• Standard format: Intro, 3 main points, conclusion. 

Take this personal finance module seriously, you are being given an opportunity to learn much if you apply yourself.

SURVIVAL EXAM

Good Luck!

Part 1: Clear your desks and take out a piece of paper and write out the survival acronym and what each letter stands for. You have 6 minutes for this, and turn in the paper at the back of the room. Sign your name and class period. 

When you are done here is Part 2: Take out a second piece of paper. Once all of part one answers are turned in, Mr. O will write out the SURVIVAL acronym on the board and you will look at both scenarios and pick the three letters that best apply to each scenario and write them out and explain in short answer form why each letter you chose applies to this scenario

Part 2, Scenario One: Tornado in Your Neighborhood

The tornado just passed your area, and you survived by going into your basement by yourself. No one else in your family was at home but you. All the homes in your neighborhood lost power. Numerous homes and properties were heavily damaged. Your home was severely damaged by a tree crashing though the roof. There is no cell phone coverage whatsoever. Night time is approaching and you see individuals of varies ages wandering around your devastated neighborhood. 

Scenario Two: 

You are coming back from the Norwalk HS versus BMHS Basketball game which was packed with people at Norwalk HS. The game went into overtime, but McMahon won at the buzzer. As you leave the game you see a number of groups of “tough guys” from both schools posturing like they might fight. You and your friends are walking to get a burger at the nearby FIVE GUYS. You hear sirens and screaming and yelling, and a group of kids running. Some kid you see from your school runs by you and says “hey I need you to take this” and throws his small soccer backpack at you and keeps running. The cops drive by a minute later in the direction of those kids that ran including the kid who gave you his bag.