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 vocab. Show all posts
Showing posts with label vocab. 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
about taxes
Tax money is used to pay for…
• Roads.
• Schools.
• Disability.
• Bailouts.
Tax terms
• Withholding – money an employer deducts from a pay check to pay taxes,
• Exempt – do not have to pay taxes.
• Gross pay – earnings before taxes or any other deductions taken out.
• Net pay – take home pay-money left over after taxes are taken out.
• W4 – the form filled out when you are first hired claiming your exemptions.
• W2 – form that employers are required to give each employee by January 31st each year which tells you how much money was taking out of income for taxes, etc.
• 1040 Tax Return Form – Form filled out yearly to report taxes and may result in a refund or payment to IRS.
• Dependent – person who relies on another for at least ½ of his or her support.
- Support includes…
o Food.
o Shelter.
o Clothing.
o Dental care.
o Education.
• You can be a dependent if you…
- Are under 19 years old.
- Make less than a certain amount each year.
- Full time college (taking 12 credit hours) student between the ages of 19 & 24.
• Roads.
• Schools.
• Disability.
• Bailouts.
Tax terms
• Withholding – money an employer deducts from a pay check to pay taxes,
• Exempt – do not have to pay taxes.
• Gross pay – earnings before taxes or any other deductions taken out.
• Net pay – take home pay-money left over after taxes are taken out.
• W4 – the form filled out when you are first hired claiming your exemptions.
• W2 – form that employers are required to give each employee by January 31st each year which tells you how much money was taking out of income for taxes, etc.
• 1040 Tax Return Form – Form filled out yearly to report taxes and may result in a refund or payment to IRS.
• Dependent – person who relies on another for at least ½ of his or her support.
- Support includes…
o Food.
o Shelter.
o Clothing.
o Dental care.
o Education.
• You can be a dependent if you…
- Are under 19 years old.
- Make less than a certain amount each year.
- Full time college (taking 12 credit hours) student between the ages of 19 & 24.
abbreviation meanings
Super write abbreviations
U – you, your
L – will
S – as, is
R – are, our, or
C – can
F – for
T – at, it, to, the
H – has have
V – very
D – do
E – we
Ch – which
Sn – soon
M – am, more
B – be, by, bean
Mo – month
N – in, an
O – of
Yr – year
W – was, were, with
Ty – they
U – you, your
L – will
S – as, is
R – are, our, or
C – can
F – for
T – at, it, to, the
H – has have
V – very
D – do
E – we
Ch – which
Sn – soon
M – am, more
B – be, by, bean
Mo – month
N – in, an
O – of
Yr – year
W – was, were, with
Ty – they
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.
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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