...learning more. 5 Very important /relates to me 1 Does not apply to me / no interest I. Credit Cards, Scores and Reports Do you know… 2.3 4.3 Understanding / Comfort Interest / Relevance The difference between a credit and debit card? What are their advantages? Why you would want a credit card? How to dispute a credit card error? The ‘right way’ to cancel a card? How much it costs to have a credit card? Pay a credit card off over time? The difference between a credit report and a credit score? How to get a free credit report? How many can you get every year? What your credit report tells someone? How to fix an error in your credit report? Why a credit score is important? How to find out your credit score? II. Managing Money / Debt Do you know… 1.6 4.3 Understanding / Comfort Interest / Relevance How to balance your checkbook? Do you? Where you can get a student loan? How much debt makes sense for your education? How to get a deferment on a student loan? What happens if you default on a student loan? Is filing bankruptcy a good option? What is the best use of ‘extra’ money? Should you keep your money in a checking account? What if the bank closes? Page 1 of 3 III. Saving / Investing Do you know… 1.3 4.2 Understanding / Comfort Interest / Relevance How much you should have in an emergency fund? Where should you keep it? How to figure compound interest on your account? Why it’s important? What a 401(k), IRA...
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...Material Credit Protection and Identity Theft Directions Refer to: Free Credit Report on the Federal Trade Commission’s site. * Identity Theft resource center on the Federal Trade Commission’s site. Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each. 1. If you find errors on your credit report, what steps would you take to correct them? 1. Tell the credit reporting company, in writing, what information you think is inaccurate. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. 2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a credit reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. If an investigation doesn’t resolve your dispute with the credit reporting company...
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...of the whole thing, I think the most important subject that was important for me would be building credit. She mentioned that we should start building credit by our the beginning of our senior year, which I was semi-surprised about. We have to learn how to start becoming financially independent, and learning how to overcome that challenge. Not only is building good credit a must, but it will help you qualify for loans, auto insurance, rental applications, cell phone plans, and it can even affect whether you get a job. She listed out steps, but didn’t go into much detail on how we can build our good credit. The fist step is to become an authorized user on your parent’s account, which I’m currently in the process of doing. The reason for being an authorized user on my dads account is considered “piggybacking”, when my dad has good credit my credit gets a boost. For some, this is the only choice when it comes to building credit. The second step for me would be to open up my own credit card, if I can provide proof of income. Full responsibility will fall on me then. We also learned why good credit is important. Lenders, employers, landlords, and insurance companies all use your credit report or your credit score to decide if they want to approve your application. First off, having too much credit debt will leave a negative mark on your report and can impact your credit score. You shouldn’t miss payments because that can also decrease your credit score. You don’t want a landlord to...
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...this study. 2. Who are the subjects? * “Participants were 104 (53males, 51 females) undergraduate students at a small coeducational university in the southern United States” (Hart pg. 5). They all were picked from psychology classes and each participant was given extra credit for doing this. Their socioeconomic background, ethnic background and geographical locations were not included in the information. I have no clue why they weren’t included; maybe they felt it didn’t matter. I think not knowing much about their background has a huge effect on the study. Depending on how they grew up (morals, values, etc.), what kind of family they had, all of that could depend on their lying ability or even if they lie. 3. Are the subject’s representatives of the target population? Why or why not? * No. I believe no because all they asked are students. More people in the world lie or even would benefit from this study rather than just students. They didn’t go to a court house or a PTA meeting or anything. I’m not sure why they didn’t choose to do it that way because even in their stimulus they chose a variety of ages. They used people between the ages of 19 to 61. That would be more beneficial, so I’m not sure why they did it for the stimulus and not for the actual study. 4. What is the independent variable? * The independent variable is the direct lie detection and the indirect lie detection. To see which group is able to detect...
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...Should Credit Card Companies be on campus marketing to College Students? Brandie Olivier Com 1 172 Gennifer Marconette April 13, 2011 Credit Cards are an amazing piece of plastic that can change your whole life in an instant. A case in point Tom Meitner a student at the University Of Wisconsin has a balance of 8,000 dollars in credit card debit still to this day. That’s why growing up it was always said that if you really need to something than pay with cash, Otherwise you really don’t need it. I wish that when I was younger I would have been a lot smarter with the knowledge that I have now have with Credit Cards. I wish I would have used a lot of the advice that I got when I was younger maybe today I wouldn’t be in the debt that I am in now. This is why I feel that Credit Card companies should not be able to go on campus and market there product. Credit Card Companies should not be on campus marking to college student. This idea is case in fact used to teach young kids who were going into adult hood to be wise with money and to not get caught up in the world of plastic. When you are going from High school to College you are at a stage in your life that the credit card companies yearn for. You are at the starting age of adult hood that is able to take on the responsibilities of everyday life. You have an opportunity of going away and leaving home to embark on the new experiences...
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...how I would personally, and act in the first round to maximize profits. Each decision, as simple as the two choices were, had one choice that I believed would appeal more to the rest of the class, regardless of what my personal preference was. One round, for example, had a choice between a blue and white paper and a red and white paper. As appealing as the red and white was to me, I knew that a class of Penn State students would clearly choose the blue and white as opposed to the aesthetically repulsive colors of Ohio State. Thinking of how others would act allowed me to get into the superior network each round, other than the last one which was based on the luck of a coin flip. The Keynesian Beauty Contest further exemplified backward induction. In order to get acceptable results, one must use rationality assumptions. By understanding how others would rationalize and what they would think is important, you can try to estimate the correct timings or values to be one step ahead...
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...grades that you earned. You receive a good GPA by keeping good grades because a GPA is based off of how good your grades are, or how bad they are. The highest GPA you can get is a 4.0 and the lowest is a 0. You actually can get higher than a 4.0 but that’s really hard to get because you have to have extra credit in all of your classes. The highest GPA is a 4.0 but sometimes it can be higher depending on what school you go to. The lowest your GPA can be is a 0, which is really bad, and means that you absolutely no work. If you do no work or anything...
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...as managers to create an organization where every person is an agent of change. No one person is responsible for successful change of the entire enterprise. It takes a “village”, so to speak. Some may ask, “How can I be an agent of change when I have no authority?” What you should be asking is how can I leverage the resources at my command to change the organization. We should give credit where credit is due; however, in most occasions, everyone working for the good of an organization yearns for the same outcomes. As managers we have to be the vessel to carry out those changes, not necessarily the one who takes the credit. Speaking on a hospital level there are many departments, clinics, ICU’s etc. that all have specific goals that cater to that entity. If we want these specific goals to flourish in each entity for the enterprise we need to base them around the mission, vision and values of the entire enterprise, that of Boston Children’s Hospital and what we want our voice to be to the employees, patients, community and world. Sometimes in our day we tend to let ME, MYSELF, and I get in the way. Sometimes it may seem as everyone is...
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...summarising the difference between fixed and variable costs which will also including a table showing these. I will then write a summary explaining the importance of the following: * Sales revenue * Calculating total revenue (unit sales price x number of units sold) * Gross and net profit * Maximising profits (increasing revenue and/or decreasing costs) Later I will then calculate the profit or loss for the first year, using the data in Project 3 and advise him as to how he can make his Business more profitable. Secondly, I will create a PowerPoint presentation showing the usefulness of break-even analysis. I will start by writing a detailed description of what is break even analysis and explain the reasons why break even analysis is important to a business. I will then construct a Break Even chart using the data given for Julian & Johns’ business. I will finish the presentation off by Analysing and explaining the effects of changes in costs/revenue in the Break Even chart when the variable costs increase by 50%. By using the figures that I have calculated for Julian & John’s table, I will draw a break-even graph on spread sheet, labelling clearly the break-even point, all the lines and both axis. In the first month that the...
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...LABR 251: “Know Your California Workplace Rights” (An Introduction to Labor and Employment Law – Online Class) This class provides students with an overview of labor and employment law in the State of California. These laws will include those applying to minimum wages, overtime wages, vacations, holidays, sick leave, as well as workplace injuries, disabilities, discrimination, sex harassment, and so on. There will also be an overview of important national workplace laws as they impact on the California employee; for example, the Family and Medical Leave Act (FMLA) and the Affordable Care Act (ACA). This course seeks to demystify the law, and to provide students with an understanding of the most important laws regulating the workplace in California. The goal of this class is to introduce students to our State’s laws and our legal system– to become familiar with laws and how they are written and enforced – we will start by learning about our legal system, and then we will turn to particular laws and what they say and how they are enforced. This course may serve as an introduction not only to Labor Studies; it may also prove interesting and useful to anyone considering law, criminal justice, and related fields, as their major field of studies. It is also useful to any student who has a job in the State of California, since it will teach them their legal rights in their workplace. Required Text: David Rosenfeld, Miles Locker, and Nina Fendel, California Workers’...
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...Phoenix Material Credit Protection and Identity Theft Directions Refer to: Free Credit Report on the Federal Trade Commission’s site. Identity Theft resource center on the Federal Trade Commission’s site. Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each. 1. If you find errors on your credit report, what steps would you take to correct them? If you find errors on your credit report, there are several steps you need to take. Under FCRA, the credit reporting company and information provider are responsible for correcting any inaccurate information on your credit report. You need to write a letter to the reporting company explaining what information is inaccurate. The credit reporting company will usually begin to investigate the information that was said to be inaccurate within thirty days unless they consider your dispute to be frivolous. Then they will forward all the information relevant to the inaccuracies on your report to the organization that provided the information. 2. There are many organizations that claim they will repair your credit for a fee. From your readings, should someone use a credit repair service? Why or why not? What are some actions these organizations can take that should be a red flag? From what I took from the readings, you should not just use a credit repairing service. These credit services can jeopardize...
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...Exe 100 Extra Credit May 2, 2015 Exe Interview 100 ! ! ! Interview with Jennifer Cadilline that has Topic: Public Schools. ! ! 1. How did you find out if you were eligible for special education in your public middle school when you were younger? ! My mom had asked the school to evaluate me, so she called or wrote the director of special education, even the principal of my school and had to describe the concerns that she had with the my academic performance and she even requested an evaluation under IDEA, to see if a disability was even involved in the first place just to make sure. My public school was concerned about how I was learning and developing. Since the school and my mother thought I had a the disability, they evaluated me but the best part about it for my mother was that it didn't cost me anything to check. They asked my mom for her written consent before they had evaluated me. Just because my mom had asked didn't mean they had to do it. They could have said no, but they would have had to explain to my mother why they wouldn't want to do so. ! 2. What would have happened if you were not eligible for special education in your public school , how would you have felt ? ! If the public school would have came up with the conclusion that i was not eligible for special education, the school system would have gave me that reasoning as to why I wasn't found “eligible.” At first that did happen but under IDEA, and they gave my...
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...This age is when you really see the really good individuals separate from the the rest. This is the age where a certain amount of the athletes separated themselves from the rest by putting extra work to get better. The extra work shows when competing. My dad always encouraged me to get in the wrestling room and learn and get better at the sport. An important thing to understand about this is that my dad never forced me to put in work or go to practices he just strongly encouraged it. There is a big difference between the two. If he had forced me to practice I believe that would cause me to develop a despise for the sport. Instead he convinced me to practice and I learned more about the sport and it grew into a passion which is really why I did good in the sport. This passion led me to success at this age of competition. I believe my Eighth grade year I lost no more than one or two matches until the state tournament. The end of my junior high days were definitely some of my most successful days as an...
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...indicates that part of this problem is "a society saturated with surface values" but that the students are responsible for the real problem: taking their academic work seriously. (paragraph 8) The reason is that the rest of society will have to take the work "seriously later, when the stakes are much higher." (paragraph 9) Wiesenfeld also points out a problem of quality control as he refers to a colleague who pointed out that it would be possible for a physics major to get a degree without ever answering a single exam question completely. This is possible by achieving enough partial credit and completing extra credit assignments and getting a break on the final class grade. The author uses examples from his field (science and engineering) to demonstrate the real consequences of the grade problem: a light tower collapsing and killing a worker because the engineer miscalculated how much weight it could hold. He also mentions two 10,000-pound steel beams crashing into another building and asks, "Should we give partial credit since no one was hurt?" (paragraph 11) Wiesenfeld concludes the article by restating his concerns. Students who think grades should be...
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...Serlin January 2008 Introduction to Student Loan Debt, with Information on Important Related Subjects Contact Author Start Your Own SelectedWorks Notify Me of New Work Available at: http://works.bepress.com/richard_serlin/15 Introduction to Student Loan Debt With Information on Important Related Subjects By Richard Serlin Student loan debt has become an extremely important issue in recent years. There are several key reasons for this. First, the amount of student loan debt taken on has skyrocketed to unprecedented levels. At public universities the percentage of students graduating with over $40,000 in student loan debt increased 18 fold between 1993 and 2004 – even using constant, inflation adjusted, dollars. In 1993 only 0.3% of all graduating seniors had student debt of greater than $40,000 (in 2004 dollars). By 2004 5.4% did. One-fourth of all public university graduating seniors in 2004 had student loan debt greater than $22,821. Half had student loan debt greater than $15,471. Median student loan debt increased by 108% between 1993 and 2004, and even adjusting for inflation it increased by 58%. Those obtaining graduate degrees can finish with over $100,000 in student loans. This debt is especially serious given that it is virtually impossible to discharge in bankruptcy. It would take a tragedy akin to being full body paralyzed in an accident to get it discharged under the current rules. On top of this, people must often cope with ...
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