CCR
Job Skills
EQ: What are the steps to prepare for an interview?
Answer:
Tell me about yourself
Strengths
1) Positive Attitudes.
I always try to have a superb smile and attitude because I a few years ago I realized that If I try to be positive then the people around me will also follow suite. Since I might not know why others are being unhappy one day if I am that might cheer them up.
2) Getting along well with others.
Revisiting the positively good attitude from the last one I speak with a chill voice in mind so everyone I talk to would be more comfortable around me.
3) Solving Problems with Intricacies in Mind.
I LOVE to do jobs where everything is very small and very specific in what it does. Ever since I was little I liked everything to be perfect and neat so now as a young adult I would love a job that is just like it.
Weaknesses
1) Gets Distracted Easily
I can get distracted VERY easily. If something of slight interest to me comes up I would sometimes leave all my work behind just to see what it is. I am trying to fix this by just putting away all those distractions (like my phone upside-down) away.
2) Not Prioritizing Important Tasks
I would be sometimes be doing things that would not be due from weeks but not finish work thats due tommrow. This is being corrected by figuring out what I am going to do for the day before I am going to do it.
3) Low Initiative
Practice
Resume
Now days my resume had
Mock Interview
Our Mock Interviews were at first with Mrs. Sawyer. After the first few practice and getting everything understood we started to practice with our peers and it was really useful as I got a lot of good feed back to do better in the actual mock interview. I did pretty well on the mock one.
When It was a actual mock Interview I had Mr. Pike, he is a counselor of Esperanza High School. During the interview we did all out firm handshakes and talked about myself. One critique he had of me was for me to talk more about myself instead of going all the way back to when I was little.
Dress for Success
Dress for Success was for the interview. We all dress in shirts with ties and some of us even went for the full tux. However one thing is that we HAD to wear a tie. This was so we looked professional. Whatever we did through out the day we had to wear the shirt and tie.
Mrs. Sawyer had a sheet for us to give to our teachers from every period to fill out. It was a bit annoying during physical education but it was fine as my teacher still let me change out but I had to do it in a rush as it did take a bit to change back into my suit and tie.
Thank You Letters
Post Secondary Education Research
EQ: Why is it important to select your career choice BEFORE your post-secondary education?
Knowing what you want to do before you go do it is always wise. If I selected my career before post-secondary
Primary and Secondary Eduation
Post Secondary Education
United States Air Force Academy
Overview
LOCATION/Address:
2304 Cadet Drive, Suite 3800
USAF Academy
Colorado, 80840-5002
COLLEGE WEBSITE: http://www.usafa.edu/
SCHOOL TYPE: (Public or Private and 2-year)
Institution Type: Public, 4 years or above
Campus Community
Campus Snapshot:
Housing Availability: Yes
Religious Affiliation: Not applicable
Student Government: Yes
Student Newspaper: No
Literary Magazine: No
Yearbook: Yes
Radio Station: Yes
Television Station: No
Campus Organization:
Minority Student Organizations:
American Indian Science and Engineering Society, Free Thinkers, Hispanic Latino, KARS, Los Padrinos, Native American Heritage, Pacific Rim, Way of Life Committee, Women's Forum
International Student Organizations:
International Club
Campus-based Religious Organizations:
Group Ministries, OASIS Cadet Ministry Centers, President's Interfaith Campus and Community Service Initiative, Religious Respect Training Program, SPIRE
Other Student Organizations, Musical Groups, Activities, and Committees:
Church and show choirs; marching and pep bands; drum a nd bugle corps; chorale, Blue Bards, Honor Guard, Sabre Drill, Big Brothers/Big Sisters, Team Managers, Forensic Association, explorer scouting, Cadet Premarital/Relationship Enhancement Workshop; flying and parachute jump teams; aviation and chess clubs
Special Learning Opportunities:
Study abroad
Admission:
Admission Facts
Application Fee: $0
Common Application Accepted: No
Application Deadline (Priority): N/A
Application Deadline: (Final) December 31
School Has Early Decision Program: No
School Has Early Action Program: No
Admission Interview (Required or Recommended): N/A
SAT/ACT Requirements: Required
Application Type: N/A
Acceptance Rate: 12%
Costs & Financial Aid:
Costs per Year
Tuition & Fees (In-state) N/A
tuition & Fees (Out-of-state) N/A
Room & Board N/A
Additional Fees N/A
Books & Supplies N/A
Total (In-state) N/A
Total (Out-of-state) N/A
Degrees & Majors:
Opportunities:
Different colleges offer different types of programs that allow students to customize their educational experience t,mo fit their needs.
Double majors
Independent study
Honors Program
Internships
Varsity Sports
NCAA:
The National Collegiate Athletic Association's (NCAA) main purpose is to ensure that student-athletes maintain a healthy balance between athletics and academics while in college.
Transfer:
Transfer Requirments
Here is a quick snapshot of the requirements for transfer students.
If you have any questions about these requirements, be sure to contact the Admission Contact listed in the Admission tab for this school.
Minimum Requirements: 2
College Transcript(s): required of all
An essay or personal test statement: required of all
Support Services
Counseling Services
minority student
military
birth control
career
personnel
academic
psychological
religious
alcohol/substance abuse counseling.
United States Naval Academy
Overview
LOCATION/Address:
121 Blake Road
Annapolis
Maryland, 21402-1300
COLLEGE WEBSITE: http://www.usna.edu/
SCHOOL TYPE: (Public or Private and 2-year)
Public 4 years
Campus Community
Campus Snapshot
Housing Availability: Yes
Religious Affiliation: Not applicable
Student Government: Yes
Student Newspaper: No
Literary Magazine: Yes
Yearbook: Yes
Radio Station: Yes
Television Station: No
Campus Organization
Minority Student Organizations:
Korean American Midshipmen Association; Arabic, Chinese Culture, Filipino-American, French, German, International Midshipmen, Italian-American Midshipmen, Japanese American, Latin American Studies, Russian Studies, and Vietnamese American Midshipman clubs
International Student Organizations:
N/A
Campus-based Religious Organizations:
Baptist Collegiate Ministry, Catholic Daughters of America, Christian Science Organization, Cru, Navigators, Young Life College; Catholic and Gospel Choirs; Christian Athletes and Officers' Christian Fellowships; Catholic Midshipmen, Latter-day Saints, Muslim Midshipmen, and Secular Midshipman clubs
Other Student Organizations, Musical Groups, Activities, and Committees:
Instrumental Ensemble, Protestant Choir, Technology and Multimedia, The Liberaturs Forum, Trident Brass, Mids for Life, VT-NA, WiCC, Strategic War Gaming, Naval Academy Winter Musical, Navy Beats, Navy Magic, Labyrinth, Lucky Bag, Musical Actives, Masqueraders, Halloween Concert, American Sign Language, Color Guard, Cannoneers, Chemistry, Commodore Barry Council, Crossfit Blue and Gold, Drum and Bugle Corps, Endurance, Entrepreneurship, FSAE Capstone, Navy Spectrum, IWG, Midshipman Without Borders, Model UN, American Institute of Aeronautics and Astronautics, Motorsports, Midshipmen Action Group, MSTEM, M-STEM Outreach, Service Rifle and Pistol; Yard Patrol Craft and Offshore Sailing Training Squadrons; Debate, Combat Arms, Infantry Skills, Navy Spirit, Parachute, Silent Drill, and Special Operations Teams; Naval Academy Foreign and Naval Academy Leadership Conferences; National Eagle Scout and Surface Navy Associations; Golden Key National Honor, American Nuclear, American Mechanical Engineers, Semper Fidelis, American Military Engineers, and Naval Architects and Marine Engineers Societies; chess, dolphin, green classroom, Jewish midshipmen, Protestant midshipmen, men's glee, women's glee, oceanography, allies/civil military relations, astronomy, cyber initiatives, investment, math, medicine, and midshipmen fishing/conservation clubs
Special Learning Opportunities:
Study abroad
Admission:
Admission Facts
Application Fee $0
Common Application Accepted No
Application Deadline (Priority) N/A
Application Deadline (Final) January 31
School Has Early Decision Program No
School Has Early Action Program Yes
Admission Interview (Required or Recommended) N/A
SAT/ACT Requirements
Required
Application Type N/A
Acceptance Rate 8%
Costs & Financial Aid:
Cost per academic year
Tuition & Fees (In-state)
N/A
Tuition & Fees (Out-of-state)
N/A
Room & Board
N/A
Additional Fees
N/A
Books & Supplies
N/A
Total (In-state)
N/A
Total (Out-of-state)
N/A
Degrees & Majors:
Tuition & Fees (In-state) N/A
Tuition & Fees (Out-of-state) N/A
Room & Board N/A
Additional Fees N/A
Books & Supplies N/A
Total (In-state) N/A
Total (Out-of-state) N/A
Varsity Sports
N/A
Transfer:
Transfer from 2 years too 4 year
Already enrolled in another institution? No problem! You can transfer here so long as you meet the special requirements and deadlines detailed on this page.
Support Services
Counseling Services
minority student
military
birth control
career
personnel
academic
psychological
religious
nutritional counseling.
Self Assestments and Carrer Research
EQ: What is "backward by design" and how does it help you plan for your future?
Backward by design is a way of planning things by starting with the end goal in mind and then figuring out the steps to get there. It's like working backward! Instead of just going with the flow and seeing where things take you, you think about what you want to achieve and then plan how to make it happen. You can make sure you're heading in the right direction and taking the right steps to reach your goals. It helps you think about what you really want and come up with a plan to make it happen. It's like having a map to guide you on your journey to the future you want.
Self Assessments
Interest Profiler helps you figure out what you like to do and what kind of jobs match your interests. It connects your hobbies and passions to different careers you might enjoy.
Values assessment teaches you about what you believe is important and which values are necessary for your dream job. It shows you which jobs would align with your values and which wouldn't.
Intelligence challenges you to use your brain to solve problems and think creatively. It helps you come up with new ideas and learn how to think critically.
Personality test asks you lots of questions to help you understand what kind of person you are. It then suggests jobs that would suit your personality and help you succeed.
Skills assessment asks you to rate your own abilities and then match your skills to different careers. It helps you understand what you're good at and what kind of job would allow you to use your strengths.
Myers-Briggs
Personality Trait: ISTP (Introverted, sensing, thinking, and perceiving) ISTPs are a type of person who likes to be by themselves and figure out how things work. They are practical and enjoy trying out new things. They can easily get bored if they do the same thing over and over again. They are quiet and calm, but not so great at understanding other people's feelings. They can be cool under pressure and handle tough situations very well. (Not me though) ISTPs are good at thinking and figuring things out on their own. They don't talk a lot, but they are logical and focus on what's useful. They like the present and don't like making plans for the future. Sometimes they get ideas and trust their gut feelings.
Assessment Result
Interest Profiler-
Conventional: People with Conventional interests like to follow set procedures and routines to complete tasks. They are very good at paying attention to details and enjoy working with a strong leader.
Enterprising: People with Enterprising interests like to take action, make decisions, and lead people. They enjoy being in charge of business projects and are comfortable taking risks for profits.
Work Values:
Achievement- If you score high on the Achievement work value you should explore jobs that allow you to see the results of your efforts, to obtain a feeling of accomplishment, and to use your abilities.
Independence- If you have a high Independence work value score you should explore jobs where you can perform tasks on your own and where you can make your own decisions.
Recognition:
A high score on the Recognition work value indicates that you prefer jobs that have good possibilities for advancement, provide some prestige, and have the potential for leadership.
Relationships:
If you have high scores on the Relationships work value you should explore jobs where co-workers are friendly and where you are allowed to be of service to others. You should look for jobs that do not make you do anything that goes against your sense of right and wrong.
Support:
A high score on the Support work value indicates that you should explore jobs where the company supports its workers and where you are comfortable with the management’s style of supervision. You should focus on finding jobs where the company has a reputation for competent, considerate, and fair management.
Working Condition:
If you score high on the Working Conditions work value, consider pay, job security, and good working conditions when looking for jobs. In general, scoring high on Working Conditions means you enjoy jobs that keep you busy all the time, let you work alone, and include many different types of tasks.
Top 10 Carrer Choices
1. Anesthesiologist Assistants - link - Work Values
2. Anesthesiologist - link - Work Values
3. Audiologist - link - Work Values
4. Barber - link - Work Values
5. Bill and Account Collector - link - Work Values
6. Chief Executive - link - Interest Profiler
7. Budget analyst - link - Interest Profiler
8. Intelligence Analysts - link - Personality
9. Statistical Assistants - link - Personality
10. Electrician - link - Skills
11. Data Warehouse Specialist - link - Intelligences
Career #1
CAREER NAME:
Name - Data Warehousing Specialist
LINK - https://www.californiacolleges.edu/#/career-requirements/career-summary/15-1243.01
Responsibilities:
Create or implement metadata processes and frameworks.
Create plans, test files, and scripts for data warehouse testing, ranging from unit to integration testing.
Create supporting documentation, such as metadata and diagrams of entity relationships, business processes, and process flow.
Design and implement warehouse database structures.
Design, implement, or operate comprehensive data warehouse systems to balance optimization of data access with batch loading and resource utilization factors, according to customer requirements.
Summarize - Sorting and making warehouse storage plans.
Work Activities:
Analyzing Data or Information
- Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Working with Computers
- Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Communicating with Supervisors, Peers, or Subordinates
- Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Establishing and Maintaining Interpersonal Relationships
- Developing constructive and cooperative working relationships with others, and maintaining them over time.
Getting Information
- Observing, receiving, and otherwise obtaining information from all relevant sources.
Related Careers:
1: Database Admin
2: Store Manager
3: Computer Engineer
4: Event Planner
Academic Knowledge:
Computers:
Know how to use certain computer applications
Admin:
Management and Leadership techs.
Design:
How to draw blueprints, models, and other drawings.
Engineering
Applying design and procedures to services.
Education Level:
Types of degrees-
One Bachelors
Programs & Majors-
First major/program
Second major/program
Third major/program
Salary
National Average or Median: $94,380
Two states with ABOVE average opportunity
New York
California
Two states with BELOW average opportunity
Nevada
Maine
Skills
Active Listening
- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Complex Problem Solving
- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Critical Thinking
- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Programming
- Writing computer programs for various purposes.
Reading Comprehension
- Understanding written sentences and paragraphs in work-related documents.
Interests
Investigative
- Work involves studying and researching non-living objects, living organisms, diseases or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the fields of humanities, mathematics/statistics, information technology, or health care service.
Conventional
- Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
Enterprising
- Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
Artistic
- Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts, applied arts and design, performing arts, music, creative writing, media, or culinary art.
Realistic
- Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, transportation, machine operation, agriculture, animal services, physical or manual labor, athletics, or protective services.
Career #2
CAREER NAME:
Name - Chief Executive
LINK - https://www.californiacolleges.edu/#/career-requirements/career-summary/11-1011.00
Responsibilities:
Summarize - Direct an organization's financial budget. Appoint department heads. Resolves hearings to resolve complaints.
Work Activities:
Communicating with People Outside the Organization
- Communicating with people outside the organization, representing the organization to customers, the public, the government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
Communicating with Supervisors, Peers, or Subordinates
- Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Developing and Building Teams
- Encouraging and building mutual trust, respect, and cooperation among team members.
Developing Objectives and Strategies
- Establishing long-range objectives and specifying the strategies and actions to achieve them.
Establishing and Maintaining Interpersonal Relationships
- Developing constructive and cooperative working relationships with others, and maintaining them over time.
Related Careers:
Medical and Health Services Managers - Helping direct medical staff in the hospital
Sales Managers - In Charge of sales at a supermarket or head of a large companies finances
Treasurers and Controllers - In direct control of where the money goes in an organization
Lawyers - Practitioners of law
Academic Knowledge:
Administration and Management
- Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordinating people and resources.
Customer and Personal Service
- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
Economics and Accounting
- Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
English Language
- Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.
Law and Government
- Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Education Level:
Types of degrees-
- Master's Degree
- Bachelor's Degree
- Post-Master's Certificate
Programs & Majors-
First major/program
Second major/program
Third major/program
Salary
National Average or Median:
$185,900
Two states with ABOVE average opportunity
Florida
Alaska
Two states with BELOW average opportunity
Texas
Oregan
Skills
Judgment and Decision Making
- Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Active Learning
- Understanding the implications of new information for both current and future problem-solving and decision-making.
Active Listening
- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Complex Problem Solving
- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Coordination
- Adjusting actions in relation to others' actions.
Interests
Enterprising
- Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or the law.
Conventional
- Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
Social
- Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Artistic
- Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts, applied arts, and design, performing arts, music, creative writing, media, or culinary art.
Investigative
- Work involves studying and researching non-living objects, living organisms, diseases or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the fields of humanities, mathematics/statistics, information technology, or health care service.
Career #3
CAREER NAME:
Responsibilities:
Analyze monthly department budgeting and accounting reports to maintain expenditure controls.
Compile and analyze accounting records and other data to determine the financial resources required to implement a program.
Consult with managers to ensure that budget adjustments are made in accordance with program changes.
Direct the preparation of regular and special budget reports.
Examine budget estimates for completeness, accuracy, and conformance with procedures and regulations.
Work Activities:
Working with Computers
- Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Analyzing Data or Information
- Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Communicating with Supervisors, Peers, or Subordinates
- Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.
Documenting/Recording Information
- Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
Establishing and Maintaining Interpersonal Relationships
- Developing constructive and cooperative working relationships with others, and maintaining them over time.
Related Careers:
Compensation, Benefits, and Job Analysis Specialists
Compensation and Benefits Managers
Market Research Analysts and Marketing Specialists
Bookkeeping, Accounting, and Auditing Clerks
Academic Knowledge:
Administration and Management
- Knowledge of business and management principles involved in strategic planning, resource allocation, leadership technique, production methods, and coordination of people and resources.
Administrative
- Knowledge of administrative and office procedures and systems such as word processing, managing files and records, and workplace terminology.
Economics and Accounting
- Knowledge of economic and accounting principles and practices, the financial markets, and banking.
English Language
- Knowledge of the structure and content of the English language.
Law and Government
- Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, and agency rules.
Education Level:
Types of degrees-
- BachelorsDegree
- Associates Degree
-A High School Diploma
Programs & Majors-
First major/program
Second major/program
Third major/program
Salary
National Average or Median:
$78,970
Two states with ABOVE average opportunity
Alaska
Montana
Two states with BELOW average opportunity
Texas
California
Skills
Active Listening
- Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Complex Problem Solving
- Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Critical Thinking
- Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Judgment and Decision Making
- Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Mathematics
- Using mathematics to solve problems.
Interests
Conventional
- Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
Enterprising
- Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
Investigative
- Work involves studying and researching non-living objects, living organisms, disease or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the fields of humanities, mathematics/statistics, information technology, or health care service.
Realistic
- Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, transportation, machine operation, agriculture, animal services, physical or manual labor, athletics, or protective services.
Social
- Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Financial Management
EQ: How does having good credit help you real your goals?
Financial Management helps people reach their goals by making people understand how much they make, how credit works, and how to plan ahead for future financial endeavors. Most people's goals are to have a family, own a house, have a stable job, and live their life with no worries of not having financial problems. Having good credit allows a person to loan money for a house at a relatively lower price compared to their lower credit counterparts and maybe even get a car with a loan as well. With good credit, you can get many things you wanted but don't have the full amount to afford it.
Financial Vocabulary
Intrest
the price you pay to borrow money or the cost you charge to lend money. Interest is most often reflected as an annual percentage of the amount of a loan. This percentage is known as the interest rate on the loan.
Tax
A charge usually of money imposed by authority on persons or property for public purposes.
Mortgage
Fixed & Adjustable Rate Mortgage(ARM) - An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
Asset
An asset is a resource with economic value that an individual, corporation, or country owns or controls with the expectation that it will provide a future benefit.
Liability
A liability is something a person or company owes, usually a sum of money. Liabilities are settled over time through the transfer of economic benefits including money, goods, or services.
Budget
A budget is a way to balance income, expenses and financial goals for a specific length of time.
Capital
The money a person or a business has, not including debts.
Capital gain
The increase in the value of an asset relative to the price that was originally paid for it
Capital Gain
The increase in the value of an asset relative to the price that was originally paid for it
Capital Loss
The reduction in the value of a company's capital, i.e., investments, capital assets, etc.
Capitalization
An accounting method in which a cost is included in the value of an asset and expensed over the useful life of that asset, rather than being expensed in the period the cost was originally incurred.
Insurance
A contract in which an individual or entity pays an insurance company in exchange for financial protection or reimbursement of losses resulting in a covered event.
Cash Flow
The net amount of cash that an entity receives and disburse during a period of time.
Cash Value
The nonforfeiture value of a life-insurance policy payable to the insured in cash upon its surrender.
Compound Interest
Compound interest is when you earn interest on both the money you’ve saved and the money you have earned.
Checking Account
A type of bank account that allows you to easily deposit and withdraw money.
C.O.L.A. (Cost of living adjustment)
An increase in pay or benefits too keep up with rising price of goods and services due to inflation.
Credit Rating
A credit rating measures the ability of a business or government to repay its financial obligations by looking at its history of borrowing and repaying loans
Credit Risk
Credit risk is the risk of loss due to a borrower not repaying a loan.
Credit Score
A credit score is a prediction of your credit behavior, such as how likely you are to pay a loan back on time, based on information from your credit reports.
Debit
A record of money taken from your bank account (more specifically your savings account)
Debit Card
A card issued by a bank allowing the holder to transfer money electronically to another bank account when making a purchase.
Credit Card
A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial services company that allows cardholders to borrow funds with which to pay for goods and services with merchants that accept cards for payment.
Debt to Equity Ratio (D/E)
The debt-to-equity ratio (D/E ratio) shows how much debt a company has compared to its assets. It is found by dividing a company's total debt by total shareholder equity. A higher D/E ratio means the company may have a harder time covering its liabilities.
FAFSA
FAFSA stands for Free Application for Federal Student Aid. It is the official form to apply for federal financial aid to pay for college. It is also used by many states, individual colleges, and universities in making their financial aid decisions.
Finance Charge
The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit.
Loan
Money that is lent at intrest.
Matching Contribution
Money an employer offers to an employee’s IRH or other retirement plan
Underwater
A mortgage loan that's more than the current value of a property
Principle
Denoting an original sum invested or lent
Rate of Return
The net gain or loss of an investment over a specified time period, expressed as a percentage of the investment’s initial cost
ROI Return on Investment
A calculation of the monetary value of an investment versus its cost.
The ROI formula is:
(profit minus cost) / cost
Multiply by 100 for a percentage.
Risk
In finance, risk refers to the degree of uncertainty and/or potential financial loss inherent in an investment decision.
Roth IRA
An Individual Retirement Account to which you contribute after-tax dollars. While there are no current-year tax benefits, your contributions and earnings can grow tax-free, and you can withdraw them tax-free and penalty free after the age 59½ and once the account has been open for five years
Savings Account
A basic type of financial product that allows you to deposit your money and typically earn a modest amount of interest. These accounts are federally insured to up to $250,000 per account owner and offer a safe place to put money while earning interest.
Financial Flashcards
As the above section speaks for itself, our Unit in Financial Management is an important step in how to study more efficiently. We had 36 financial vocab words to remember and learn. This was a good way to use visuals and audio to build our memory of the definitions slowly.
Our CCR Instructor, Mrs. Sawyer, always said that you learn by studying and building repetition. It's important not to cram everything in your head right before the test as you can remember for that time but after that you won't have any idea what happened and you wont have learned anything.
Budget and Goals
In the lesson, our class were taught a valuable lesson from Mrs. Sawyer. Living in the real world is very expensive now days. When I was younger I didn't know how much my parents had to pay each month for our household to be functional.
Lets say say you had two cars, a family to feed, utilities, mortgage and other things to pay its very easy to understand why many adults have a hard time to afford anything. In the lesson Mrs. Sawyer listed some bare estimations on about how much everything would cost even if you made $48K and your spouse also made $48K, you still would have money probloms from the amount of costs living is.
Thank You Note
The Thank You note was for my mom. In the note, the things I said were around these lines. "For the longest time, I really had no idea how much you needed to sacrifice to keep our family afloat. You work by yourself with no one to help you or support you yet you manage to pay for everything".
We were also required to bring the note home and let our parents read it. After that, we had to have a conversation with our parents on the subject of how they're doing financially and about the letter. For example, I asked my mom about our family's finances and how she is paying for everything every month.
Fico Scores and Credit Reporting
Fico Scores are a way for different Credit Lenders to see how trustworthy you are when you apply for a loan. The Score looks at things like Credit History, Income, Total Debt, and Payment history to determine what score is accurate for you. Fico was invented in 1956 by Engineers Bill Fair and Earl Isaac. They are the founders of the Fair Isaac Corp.
The Main Scores are between 300 to 850. Excellent scores are between 750 to 850, Decent Scores are between 720 to 750, Okay scores are between 650 to 720, Anything bellow that like 300 would be a horrendous bad score to have. The way that scores are collected and accounted for starts off with the Credit Bureaus collecting your data and applying to Fico. Some example of Credit Unions would be Texas Union and Equifax. Banks then ask the Unions for your scores and they would give them a Payment History.
ABC's of Credit
The main points of this lesson were the following, credit score, establishing credit, maintaining good credit, credit cards, managing credit challenges, and why they are important. Credit is a trust given to another person for the future payment of a loan or credit card. A Creditor is a person or a company to whom the debt is owed to.
The Fico Credit Score ranges from 300 to 850. Anyone with a credit from 750 to 850 has good credit. The Fair and Accurate Credit Transaction Act helps consumers to fight the growing crime of Identity Theft by providing Free Credit Reports, Fraud alerts, and Social Security Numbers.
Technology
Essential Questions: How does using technology professionally help you be a better student?
With all of these Apps, it's easy to organize yourself. With organization comes faster planning and thus finishing assignments or projects faster. All of these apps combined have really helped me sort out what things I have to do every day.
Gmail is an electronic mail service and to send an email you have to open the + button and name a subject and then insert some text. Some of the ways Gmail has helped me was when I have assignments that I didn't do or were done late. I could email my teachers to tell them that I have something to turn in. Gmail also has helped me have proof of emailing someone if they lied and said I didn't. Some examples of how I have been able to use Gmail in my life are when my teachers have announcements that they didn't put in Classroom. One time this happened to me and I was able to reply to the event that was happening. There have even been times when my assignments aren't on Google Classroom I could see what I have. Electronic signatures have been making my emails look more pro.
Google Classroom is a Google App that allows teachers to assign work and keep tabs on all of their students progress. There are three tabs on Google Classroom. The Stream, Classwork, and People. The Stream is where the teachers make announcements and pin assignments. Classwork is where the teachers actually assign your work and it has a list and section of every piece of assignment over the year you are in their class. The People tab is just where all the students and teachers are and it's a list of whos in the class. When I open the app it brings me to the Classes Page. The page has every assignment that my teachers have assigned so it really helps to do my assignments like a list. The way this app has made me a better student by making me turn on my assignments on time.
Google Drive is an online cloud storage service. You can store items such as images, videos, documents, and other things. We made a few Folders for our classes. The main folder we had in the class was "Freshmen Year 22 - 23" it's a root folder for our classes. Some of the ways Google Drive has been helping me become a better student are the
Gmail
In the first Gmail Lesson, we learned to ALWAYS include these things when emailing anyone. First, when you email it's important to have a subject that is short and gives the person an idea of what you want. Second, it's important to have a comma after the person's name and not to be aggressive. Lastly, the closing salutation must have your first and last name, a salutation respectfully or sincerely, and some way of communicating back to you later like a phone number or an email. These things make up an important step in sending emails as most of the time you're sending them to important people and not to your friends.
Gmail is the email service I use the most since most people have it and I have applied it to my daily life by checking my inbox every day after finishing my homework. This is important as if there is an announcement or new assignment that was not posted on google classroom but on email. Gmail has helped me with proving my innocence for when someone tries to accuse me of not sending them something I could always use Gmail to prove that I did in fact did.
Google Classroom
In the Google Classroom lesson, we learned about how to be active on the lookout for announcements from teachers and assignments. First, we learned about how to add classes which were fairly easy to do. All we had to do was go to the top right corner of the website and click on the + button and input the class code then join a class. Second, to turn in assignments we have to click on the assignment tab and go to the assignment, once we are inside the assignment we go to the top right and click Submit to turn it in. Lastly, to attach files do the stops above but once you get to the actual screen go to attach files and you could add docs, slides, and forms, or you could add links or photos.
Google Classroom is the most used app I use for a daily basis as it's the App that teachers also use to assign homework. Clubs or social events also use this app to send out reminders. I like this example as I am enrolled in a club and they usually send reminders on Google Classroom. The best of this app in my opinion is the ability to see past classrooms you have been in years ago.
Google Drive
The Google Drive lesson was when we organized all our folders and items in the Drive. The Root folder is where you can store other folders and is usually used to hold specific subjects of files. One of the main folders we created for the lesson was "Freshmen Year 22-23". It was the root folder for this school year to store all of our files in. For our classes, we had a few root folders created to be specific to our periods. To create a root folder go to the left-center and there will be a + button to add root folders and subfolders. To make a folder simply click on "create folder".
I have used Google Drive daily in school by storing photos, docs, and anything my teachers have sent me. A lot of time these assets are stored across multiple apps and will be confusing the get to but with the help of Google Drive I have been able to access everything much easier.
Apps and Phone Sync
All the apps that are used in this lesson are the following. Classroom, Docs, Slides, Drive, Calendar, and Sheets. We also use Aeries Portal to check out grades and pick classes for next year. On our phone, we downloaded all those and made a folder called "Education Apps" to store them. Lastly, on our phone, we went settings app and scrolled to the tab "mail". We had to add our school accounts to the mail settings. Then we shared all the contacts to be connected on all devices so we can do work and contact anyone, anywhere.
On my phone, since I have the Google Apps downloaded, I have been able to sort out things while in school or at home when I don't have the time or can't be next to a computer. Some of these examples include assignments that I thought I had turned in or Announcements that my teachers have on google classroom. All of this with the help of syncing my phone to my computer.
Google Calendar
We learned to use calendrer open the Waffle/Google Apps and scroll down to find it. After that click on the Bar to set up a date on the timeline. A bar will open up to let you type when the event is and other elements. You can add a title and your name on it as well. For the In-Class assignment, we set up an event on the 10th of February and shared it with our teacher. Lastly, we created an event that we were supposed to invite the person next to us.
Google Calendar has been used by me to check what events I have later in the month. I don't particularly use Google Calender but I do use a Calender on my phone to plan ahead for things in the future. Some of these examples are when I used it to plan for Military Ball" when I was in JROTC or when I used a Calendar to make appointments to meet with teachers or clubs on specific days.
Google Sites
To create a site first go to the top right and click on Google Apps Waffle. Scroll down to find Google Sites. To actually make a site click on the + button. When we were in our portfolio we made two sections of our site. Home and CCR. As you have seen before the Home section was about us, what we enjoy, and what future careers we want. The Second is CCR and as you have seen before reading this it's all about what we learned in CCR.
This was the most fun lesson in my opinion but all we did was create a website on Google Sites to use as our portfolio for later use when collages and jobs use it as a reference to see what kind of person we are. We will be adding more things though out High School and probably more classes or clubs I have joined.