Understanding loan principles
• Credit – optional use of someone else’s money with your promise to repay at a later date.
• Alone with credit comes interest – that’s how the bank makes its money.
The cost of the loan is determined by
• The amount of the loan.
• The length of the loan.
• The interest rate.
General term loans
• APR – annual percentage rate.
• TILA – truth in lending act.
• Collateral – something of value that can be taken if the loan is not rapid.
• Co signer – an adult who will assume legal responsibility for the loan if you fail to repay.
Showing posts with label learning. Show all posts
Showing posts with label learning. Show all posts
4.29.2010
best ways to notetake
Tools for note taking
• 3 ring binder – you can loan out notes and not lose entire notebook
• Cornell method summary paper
• Erasable pen – dark pencil – highlighters
• A tape recorder
Effective note taking habits p. 142
• Preview before class
• Start each day with fresh paper
• Write on only 1 side
• Date and title each page
• Abbreviate
• Key words
• Use your own words
Why take notes – 4 reasons
• Improve your concentration
• Review & study
• Helps retain information
• Organizes the information
Strategies for reinforcing your learning p. 139
1. Hear it.
2. Write it.
3. See it.
4. Draw it.
5. Outline it.
6. Summarize it.
7. Discuss it.
8. Review it.
• 3 ring binder – you can loan out notes and not lose entire notebook
• Cornell method summary paper
• Erasable pen – dark pencil – highlighters
• A tape recorder
Effective note taking habits p. 142
• Preview before class
• Start each day with fresh paper
• Write on only 1 side
• Date and title each page
• Abbreviate
• Key words
• Use your own words
Why take notes – 4 reasons
• Improve your concentration
• Review & study
• Helps retain information
• Organizes the information
Strategies for reinforcing your learning p. 139
1. Hear it.
2. Write it.
3. See it.
4. Draw it.
5. Outline it.
6. Summarize it.
7. Discuss it.
8. Review it.
notetaking review
Test on Note taking
List 2 reasons why we take notes
1. To help us study.
2. To help us recall what we last learned in a previous class.
List 3 strategies for reinforcing your learning
3. Draw pictures.
4. Connect what you learn to what you know.
5. Re read notes or re write notes.
Name 3 note taking habits
6. Have a tape recorder.
7. Write in short hand.
8. Always write on one side of the page, not both
How is a 3 ring binder helpful?
9. If you have to lend out notes, you can pull them out of your binder instead of risking losing your whole notebook if you lend it out to a friend.
What’s the abbreviation for…?
10. You – u
11. As, is – s
12. Can – c
13. At, it, to, the – t
14. Very – v
15. Month – mo
16. Am, more – m
17. In, an – n
18. Year – yr
19. Was, were, with - w
List 2 reasons why we take notes
1. To help us study.
2. To help us recall what we last learned in a previous class.
List 3 strategies for reinforcing your learning
3. Draw pictures.
4. Connect what you learn to what you know.
5. Re read notes or re write notes.
Name 3 note taking habits
6. Have a tape recorder.
7. Write in short hand.
8. Always write on one side of the page, not both
How is a 3 ring binder helpful?
9. If you have to lend out notes, you can pull them out of your binder instead of risking losing your whole notebook if you lend it out to a friend.
What’s the abbreviation for…?
10. You – u
11. As, is – s
12. Can – c
13. At, it, to, the – t
14. Very – v
15. Month – mo
16. Am, more – m
17. In, an – n
18. Year – yr
19. Was, were, with - w
when writing a college essay
Writing your college essay
• Essays allow the admissions office to see you as you really are beyond the stats of your application.
- Purpose of Essay:
1. College cans evaluate communication skills.
2. Allows Admissions office to learn more about you beyond SAT’s and grades.
- Choosing a Topic:
1. Narrow your topic – be specific.
2. Write about yourself. Don’t be shy, but don’t exaggerate.
3. Don’t be afraid to write about a unique topic.
4. Develop a framework & outline.
Dos and Don’ts of writing an essay
- Do’s:
1. Do think “small” and write something you know about.
2. Do reveal yourself in writing.
3. Do show rather than tell.
4. Do write in your own voice and style.
- Don’ts:
1. Don’t write what you think others want to read.
2. Don’t exaggerate or write to impress.
3. Don’t ignore grammar, spelling, or sentence structure. Have 2 English teachers proofread.
4. Don’t ramble. Be concise.
What do colleges look for?
• Level 1 – Grammar, spelling, punctuation.
• Level 2 – Content, substance, depth of insight.
• Level 3 – Creativity & originality.
• Essays allow the admissions office to see you as you really are beyond the stats of your application.
- Purpose of Essay:
1. College cans evaluate communication skills.
2. Allows Admissions office to learn more about you beyond SAT’s and grades.
- Choosing a Topic:
1. Narrow your topic – be specific.
2. Write about yourself. Don’t be shy, but don’t exaggerate.
3. Don’t be afraid to write about a unique topic.
4. Develop a framework & outline.
Dos and Don’ts of writing an essay
- Do’s:
1. Do think “small” and write something you know about.
2. Do reveal yourself in writing.
3. Do show rather than tell.
4. Do write in your own voice and style.
- Don’ts:
1. Don’t write what you think others want to read.
2. Don’t exaggerate or write to impress.
3. Don’t ignore grammar, spelling, or sentence structure. Have 2 English teachers proofread.
4. Don’t ramble. Be concise.
What do colleges look for?
• Level 1 – Grammar, spelling, punctuation.
• Level 2 – Content, substance, depth of insight.
• Level 3 – Creativity & originality.
pit method of memory & learning
One – bun
Two – shoes
Three – tree
Four – door
Five – hive
Six – sticks
Seven – heaven
Eight – gate
Nine – wine
Ten – hen
Bill of rights
One – bun - freedom of speech – “talking bun!”
Two – shoe - right to bear arms – “shoot your shoes!”
Three – tree - conditions for soldiers – “soldiers under tree”
Four – door - right to search & seizure – “go through door to search”
Five – hive – prosecution – “prosecuting one by throwing a hive at them”
Six – sticks - speedy trial – “can’t be speedy if your sticky”
Seven – heaven - right to trial by jury – “jury is heaven”
Eight – gate - excessive bail and cruel punishment – “get out of jail go through the gate then hit them with the gate”
Nine – wine - rule of construction of constitution – “can’t make a house if you’re tipsy” ;)
Ten – hen - rights of states under constitution – “hen gives the states’ rights from the constitution”
Two – shoes
Three – tree
Four – door
Five – hive
Six – sticks
Seven – heaven
Eight – gate
Nine – wine
Ten – hen
Bill of rights
One – bun - freedom of speech – “talking bun!”
Two – shoe - right to bear arms – “shoot your shoes!”
Three – tree - conditions for soldiers – “soldiers under tree”
Four – door - right to search & seizure – “go through door to search”
Five – hive – prosecution – “prosecuting one by throwing a hive at them”
Six – sticks - speedy trial – “can’t be speedy if your sticky”
Seven – heaven - right to trial by jury – “jury is heaven”
Eight – gate - excessive bail and cruel punishment – “get out of jail go through the gate then hit them with the gate”
Nine – wine - rule of construction of constitution – “can’t make a house if you’re tipsy” ;)
Ten – hen - rights of states under constitution – “hen gives the states’ rights from the constitution”
crediting
Credit terms
APR (Annual Percentage Rate) – The interest rate for one year
Credit limit – the maximum amount of credit extended to you by a bank or credit card issuer.
Late fee - a penalty, in addition to interest that is charged if payment is received after the due date.
Minimum payment – the lowest amount you must pay toward your credit card balance each month.
Interest – the price of using credit.
Annual fee – the yearly charge for having a credit card.
Grace period – a period of time during which you are not charged interest on new purchases.
Interest rate – the amount of interest you must pay for the credit you use – usually expressed in a percentage.
Advantages of using credit cards:
• Establish credit history.
• Safer than cash.
• Use for internet purchases.
• Use for reservations.
• Use as an interest free loan if paid before the grace period ends
Disadvantages of using credit cards:
• Get into much dept quickly – takes a long time to pay back.
• Interest rates are extremely high.
You can get a credit card when you are 18 years old. If younger, you can still have one as long as you have a co-signer.
The grace period is important to be aware of because you can make purchases interest free during that time. That’s like getting something you want know and not paying interest as long as you pay off the balance before the grace period is over. Most grace periods are 28 days.
Some people have to pay higher interest on loans than others because they have bad credit history and are a risk to the lender.
The Fair Credit Reporting Act governs all creditors must furnish accurate and complete information regarding a person’s credit history.
Creditors have to disclose (“tell all”) all terms of credit agreement because of the Truth in Lending Act.
Pay day loans (Ex: Check into cash) is a bad option for credit because they charge very high interest (500% in some cases) and usually hold your car titles as collateral. Lots of people choose these types of loans because there isn’t a background credit history check.
Behaviors that can affect your credit rating where banks may consider you a risk prohibiting you from getting credit:
• Moving around and switching jobs.
• Having lots of credit cards.
• Pay your bills late (even just 1 or 2 payments)
APR (Annual Percentage Rate) – The interest rate for one year
Credit limit – the maximum amount of credit extended to you by a bank or credit card issuer.
Late fee - a penalty, in addition to interest that is charged if payment is received after the due date.
Minimum payment – the lowest amount you must pay toward your credit card balance each month.
Interest – the price of using credit.
Annual fee – the yearly charge for having a credit card.
Grace period – a period of time during which you are not charged interest on new purchases.
Interest rate – the amount of interest you must pay for the credit you use – usually expressed in a percentage.
Advantages of using credit cards:
• Establish credit history.
• Safer than cash.
• Use for internet purchases.
• Use for reservations.
• Use as an interest free loan if paid before the grace period ends
Disadvantages of using credit cards:
• Get into much dept quickly – takes a long time to pay back.
• Interest rates are extremely high.
You can get a credit card when you are 18 years old. If younger, you can still have one as long as you have a co-signer.
The grace period is important to be aware of because you can make purchases interest free during that time. That’s like getting something you want know and not paying interest as long as you pay off the balance before the grace period is over. Most grace periods are 28 days.
Some people have to pay higher interest on loans than others because they have bad credit history and are a risk to the lender.
The Fair Credit Reporting Act governs all creditors must furnish accurate and complete information regarding a person’s credit history.
Creditors have to disclose (“tell all”) all terms of credit agreement because of the Truth in Lending Act.
Pay day loans (Ex: Check into cash) is a bad option for credit because they charge very high interest (500% in some cases) and usually hold your car titles as collateral. Lots of people choose these types of loans because there isn’t a background credit history check.
Behaviors that can affect your credit rating where banks may consider you a risk prohibiting you from getting credit:
• Moving around and switching jobs.
• Having lots of credit cards.
• Pay your bills late (even just 1 or 2 payments)
using abbreviations
U – you, your // right
W – will // L
A – as, is // S
R – are, our, hour // right
T – they // TY
U r v happy this yr
(you are very happy this year)
T titanic sunk during t yr o 1912
(the titanic sunk during the year of 1912)
Ty climbed t v tall mtn last mo
(they climbed the very tall mountain last month)
I luv u nd u luv me e r a happy family
(I love you and you love me we are a happy family)
Yes, e c.
(yes, we can)
Note taking practice
EMOTIONAL INTELLIGENCE
Daniel Goldman auth of 2 pop book on emo intelligence relationship between IQ n success
He sys wide spread succession tht iq predicts success
@ best iq bout 20 % to factor
Ch leaves 80 2 other 4ces
Focus ov Goldman resources – emotional comp
Emo comp made up ov 2 deminsions
Pers confidence – c how e mange ourself, keep disrupt emotions in check, hones and integ.
Soc confidence - determine how e handle relation, perspectives, listen and open and sending msgs
Neogotiate n envolving disagreements represents this category
Although IQ stable thru out life, emotional comp increase thru life span
W – will // L
A – as, is // S
R – are, our, hour // right
T – they // TY
U r v happy this yr
(you are very happy this year)
T titanic sunk during t yr o 1912
(the titanic sunk during the year of 1912)
Ty climbed t v tall mtn last mo
(they climbed the very tall mountain last month)
I luv u nd u luv me e r a happy family
(I love you and you love me we are a happy family)
Yes, e c.
(yes, we can)
Note taking practice
EMOTIONAL INTELLIGENCE
Daniel Goldman auth of 2 pop book on emo intelligence relationship between IQ n success
He sys wide spread succession tht iq predicts success
@ best iq bout 20 % to factor
Ch leaves 80 2 other 4ces
Focus ov Goldman resources – emotional comp
Emo comp made up ov 2 deminsions
Pers confidence – c how e mange ourself, keep disrupt emotions in check, hones and integ.
Soc confidence - determine how e handle relation, perspectives, listen and open and sending msgs
Neogotiate n envolving disagreements represents this category
Although IQ stable thru out life, emotional comp increase thru life span
study guide for learning
• Know the definitions of:
o Physiology – how your body feels.
o Arm swing rule – swiping your arm in a semi circle.
o Effective learning environment.
o Ineffective learning environment.
• Know three things present in an effective learning environment.
o Two sources of light.
o Comfortable temperature.
o Manage clutter,
• Know three things present in an ineffective learning environment.
o TV.
o Radio.
o Window.
• Mind wandering is the enemy of concentration. >:}
• How do negative thoughts affect your concentration?
o You can’t concentrate if you have thoughts (negative) going through your head.
• Proteins keep your mind alert.
o Cheese.
o Meat.
• Carbs make you sleepy, after the initial sugar high.
o Pasta.
o Breads.
• Study session curve.
o 1 minute (beginning)
o 8 minutes is your peak. Take a break (2-3 minutes)
o 16 minutes is the end.
• To assess effectiveness of your study area, consider the:
o Furniture.
o Proximity to windows.
o Color schemes.
• Internal distracters.
o Worries.
o Stress.
o Hunger.
o Sickness.
• Concentration
o The ability to block out distraction and focus on one task.
• Physical environment
o Has a major impact on concentration even more than attitude and motivation about subject.
• Not all students perform well in a silent environment.
• Studies shown classical music helps concentration.
• Internal distracters such as worry affects concentration.
o Physiology – how your body feels.
o Arm swing rule – swiping your arm in a semi circle.
o Effective learning environment.
o Ineffective learning environment.
• Know three things present in an effective learning environment.
o Two sources of light.
o Comfortable temperature.
o Manage clutter,
• Know three things present in an ineffective learning environment.
o TV.
o Radio.
o Window.
• Mind wandering is the enemy of concentration. >:}
• How do negative thoughts affect your concentration?
o You can’t concentrate if you have thoughts (negative) going through your head.
• Proteins keep your mind alert.
o Cheese.
o Meat.
• Carbs make you sleepy, after the initial sugar high.
o Pasta.
o Breads.
• Study session curve.
o 1 minute (beginning)
o 8 minutes is your peak. Take a break (2-3 minutes)
o 16 minutes is the end.
• To assess effectiveness of your study area, consider the:
o Furniture.
o Proximity to windows.
o Color schemes.
• Internal distracters.
o Worries.
o Stress.
o Hunger.
o Sickness.
• Concentration
o The ability to block out distraction and focus on one task.
• Physical environment
o Has a major impact on concentration even more than attitude and motivation about subject.
• Not all students perform well in a silent environment.
• Studies shown classical music helps concentration.
• Internal distracters such as worry affects concentration.
past learning
Learning how to drive a straight drive (manual) was probably one of my biggest learning experiences. Driving taught me a lot. Of course, it taught me how to drive but it also taught me a really important lesson about life. It showed me how to step back and take life in a different aspect when I needed to do so. I also learned I couldn’t also be too sure of myself but I that I needed to pay attention to me and where I was going. It showed me not to get distracted by small things. It also taught me to pay attention to me and my surroundings and how I would affect other people by what I do. Not just physically, but emotionally and mentally. It especially taught me how to pay attention to the little details and not the big picture that they all made up. The most important thing is that it taught me to be me.
When I first started driving and when I had about 6 months of driving in showed me a certain aspect that I had been through my whole life. It showed me the building blocks of life. When I first started driving it reminded me of a baby. I was being too careful and shaky. Then has the weeks and months went by I started growing more aware of my surroundings and just what I was doing. I wasn’t always trying to be too cocky about driving because honestly, I was scared to death, but learning how to drive showed me a lot about life and it helped me grow up and mature a lot faster. I wasn’t responsible for just me anymore when I was driving, but for whom I was taking with me and the other people driving, too. It was another building block of life with a lesson wrapped inside.
When I first started driving and when I had about 6 months of driving in showed me a certain aspect that I had been through my whole life. It showed me the building blocks of life. When I first started driving it reminded me of a baby. I was being too careful and shaky. Then has the weeks and months went by I started growing more aware of my surroundings and just what I was doing. I wasn’t always trying to be too cocky about driving because honestly, I was scared to death, but learning how to drive showed me a lot about life and it helped me grow up and mature a lot faster. I wasn’t responsible for just me anymore when I was driving, but for whom I was taking with me and the other people driving, too. It was another building block of life with a lesson wrapped inside.
improve concentration
• Choose a workplace.
• Manager clutter.
o Arm swing rule.
• Good lighting.
• Diet.
o Carbs – sleepy/hyper.
o Protein – engages brain – keep alert.
• Avoid eating while studying.
• Room temperature
o Not too hot or too cold.
• Listen to your thoughts.
o Keep positive.
• Listen to classical music.
o Don’t listen to music with words.
• Turn off the TV.
• Hold your phone calls.
• Let the e-mail wait until you’re done.
• Move to a quieter place
o The library if possible.
• Dump your “to do list”
o Write it down and forget about it until later.
• Take frequent breaks.
• Set a time goal.
o Make a time schedule for studying.
• 1 minute – 8 minutes is your peak – 16 minutes.
o Don’t forget to take a 2-3 minute break!
• Manager clutter.
o Arm swing rule.
• Good lighting.
• Diet.
o Carbs – sleepy/hyper.
o Protein – engages brain – keep alert.
• Avoid eating while studying.
• Room temperature
o Not too hot or too cold.
• Listen to your thoughts.
o Keep positive.
• Listen to classical music.
o Don’t listen to music with words.
• Turn off the TV.
• Hold your phone calls.
• Let the e-mail wait until you’re done.
• Move to a quieter place
o The library if possible.
• Dump your “to do list”
o Write it down and forget about it until later.
• Take frequent breaks.
• Set a time goal.
o Make a time schedule for studying.
• 1 minute – 8 minutes is your peak – 16 minutes.
o Don’t forget to take a 2-3 minute break!
vocab for learners
Independent learners – by yourself.
Random learners – different styles of learning.
Social learners – learn best in groups.
Auditory learners – hearing.
Tactile learners – touch, feel.
Sequential learners – pattern, rigid, routine style of learning.
Visual learners – seeing to learn.
Osmosis – learn without effort.
Ineffective learning environment.
Arm swing rule.
Mind wandering – enemy of concentration.
Physiology – how your body feels.
Effect learning environment.
Random learners – different styles of learning.
Social learners – learn best in groups.
Auditory learners – hearing.
Tactile learners – touch, feel.
Sequential learners – pattern, rigid, routine style of learning.
Visual learners – seeing to learn.
Osmosis – learn without effort.
Ineffective learning environment.
Arm swing rule.
Mind wandering – enemy of concentration.
Physiology – how your body feels.
Effect learning environment.
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