Academy Graduation BBQ

• Step 1:  Please complete the following form in preparation for our Graduation BBQ next week!

Step 2:  Please thoughtfully respond to the following question. It is also the last question on the form you just completed!

• Please describe your fondest memory from your time at M-A.  Discuss one challenge you have overcome and how you were able to be successful.  Who are you thankful for (friend(s), family, mentor, other adults, teacher, etc).  Finally, where are you headed next?

I'm thankful for my family for always trying to support me and lead to the right way and wanting what's best for me I have never gave up I have always tried my best. My motivation is strong and something I always keep with me 

Transitioning into BUYING A CAR!

Woooooohooooooo!!!  Cruising down the freeway, top down, wind blowing through your hair!  You and your friends are off to Santa Cruz for a day on the beach!  Well ... if you have a car anyways!  Buying a car is a big decision at your age.  There are definitely things that it will make easier in your life but other things it might make more challenging.  For your blog post today, discuss all of the benefits of having a car and all of the problems that having a car can create for you.  In addition, discuss your knowledge of the pros and cons of owning a new car vs. a used car!

Thanks a bunch for your thoughtful, thorough response!  We will get started shortly!!

Pros
You have a car to drive to where ever you want
You don't have to depend on any one
You can get around


Cons
Gas is a lot of money
You can get in a car accident
Car insurance

Earth Day!

Question 1: What does it mean to you to shop locally?

Question 2:  Looking at the image above, what are some of the primary reasons it benefits your local communities economy to shop at locally owned and run businesses?  Give specific examples from the chart that highlight how much of your money stays nearby, where your money goes, etc.

Question 3:  Although it is not specified in the image (and, of course, because today is earth day) what do you see as the environmental benefits of shopping at locally owned and operated businesses? You can take a second to do a quick online Google search for an answer ... you'll find plenty of sites with ideas! 

Remember, your response to each question should be 3-4 sentences ... yes, a little bit longer of a blog post but a good opportunity to do some critical thinking about economics and the environment on earth day!

1 Shopping locally means shopping near where I live or where I am like a supermarket or when I go shopping for clothes also means whenever I can go walking there like a couple blocks from my house. That is what I think is what is locally to you.

It better because people stay there and they shop a lot it's close and it isn't too far where if we don't shop local that's a lot of work driving or walking you waste to much gas. Also when you needed to shop for food people aren't going to want to drive far all the time. That is what I think that picture stays and means.

Several studies have shown that when you buy from an independent, locally owned business, rather than a nationally owned businesses, significantly more of your money is used to make purchases from other local businesses, service providers and farms -- continuing to strengthen the economic base of the community. Locally owned businesses can make more local purchases requiring less 

transportation and generally set up shop in town or city centers as opposed to developing on the fringe. This generally means contributing less to sprawl, congestion, habitat loss and pollution.A growing body of economic research shows that in an increasingly homogenized world, entrepreneurs and skilled workers are more likely to invest and settle in communities that preserve their one-of-a-kind businesses and distinctive character

The Final Chapter!

As we ease into today, how was your spring break?  Did you work a lot?  Play a lot?  A little of both? How did you spend your spring break?  What was your favorite activity over the break?  In addition, what are you looking forward to as we approach the end of the school year?  Are you simply excited for graduation or are there other things you are looking forward to during these last few weeks?  Finally, what is one thing you need to do/accomplish this week that has been troubling you/making you anxious that if you take care of, you will feel better!

My spring break was good I got to rest a Lot I didn't really do much Ernesto worked everyday so we didn't do anything exciting I got to sleep in which is good. This weekend we went to a party I had a good time. On Easter we went to a park with my family we took the dogs and it was fun we were there for like 4 hours. I'm looking forward to bring done with high school. I don't have anything I am stressed about. 

Your Life Situation Card and A Budget

1. What did you notice about your Gross Annual Income and the Net Monthly Income.  Were you surprised and/or disappointed at the amount of taxes taken from your paycheck each month?  What was your Net Monthly Income and do you think it would be realistic to live on that type of budget with your current lifestyle?  Explain!

I'm not that surprised because my family talks about how much taxes they take away  from people it may add with time I had a family so It does make it more difficult when they take money away. No because I'm not married or have two human babies

1. What was your impression of the Budget Guidelines worksheet.  Which of the categories listed seem most important to you to budget for and which categories seem least important?  Do you think the breakdown of how much you can spend in each category works well for your envisioned lifestyle?

In my situation I don't have kids therefore I don't have that many expenses. Second my bill will probably be more high just because houses are more expensive.i have Pets that are like my children so money goes to them in there needs like food and yearly check ups. 

1. Lastly, in looking for housing, what did you find your adjusted monthly mortgage payment to be if you bought a home vs. the amount it would cost you each month to rent?  Does this make you reconsider the possibility of purchasing a home vs. renting one?  What are the pros and cons of renting?  What are the pros and cons of owning a home?  In filling out the home buying sheet, what would appear to be the biggest barrier in your purchasing of a home

I go for buy a home it's better it goes a long away it might be expensive but it's probably the best chose because you own it and it seems more reasonable. It's better apartments are strict and hard to stay in  

Reasons You Need a Budget

After reading the article summarize why it is of critical importance for you to begin budgeting your money now.  Be sure to include examples from the article itself.  In addition, please discuss the likelihood of you beginning to budget your money now.  Have you already?  Do you know anyone who is either very good at budgeting their money or someone who could use some help in that department?  Which of the 5 reasons listed is most convincing to you in terms of the need to begin establishing a budget?

It's important so that you get used to it and that in the future it's much easier for you to be sable. I like to spend money on Starbucks if you don't realize you spend $80 per month on lattes, it will be much harder to break that habit and apply that money toward a priority, such as saving for retirement. I could us the money to save up for something else that more important. At the moment no I don't have a budget but at the same time when I do get a job will budget because I have a lot of plans for my future. Ernesto budgets his money and he does a good job with it. He has a saving, car payment , gas and etc. saving money is important since I want a nice house and nice car and also want babies and pets. 

Wrapping Up Yesterday's Discussion

• Analyze the importance of an education
• Discuss what you believe the state's role in that process should be
• Use very specific statistics to further your argument
• Ensure your paragraph would be motivating to yourself, your neighbor or anyone else moving forward in their academic career
• Within this paragraph I would also encourage you to use first hand examples including:
• your personal experiences and/or those of people you know and how their education (or lack thereof) has affected their daily lives.
• Your thoughts on how a free education may change one's outlook on furthering their education as we move forward.  
• This final paragraph should be thorough, thoughtful and should also include some statistics from the articles you read that strengthen your argument.

I feel as if people should in fact continue their education because it is very important To be successful in life now because prices are going up so you actually now need to go to college and get a degree To get a Job my parents have alright jobs but still struggle to pay bills and they also have worked there for a long time that's why there pay isn't to bad. Colleges shouldn't be going up in prices they should actually give more help to those who can't afford it and are actually trying to better the world. For example I signed up for fancial  ad and they want to give me a loan and I cant afford college but my plan is to be a vet that takes 8 to 9 years imagine the cost of college it's too much how am I going to afford all those loans and the first two years is community college and it's suppose to be cheap but it's not 

The Importance of Professionalism, Responsibility and the College Education!

• What does the article discuss
• What are the benefits of a plan such as this one
• What negatives can you envision about putting a plan like this into place

The first article was about how education is important and how we actually need it to be able to have a stable living 

The economic analysis finds that Millennial college graduates ages 25 to 32

The survey also finds that among employed Millennials, college graduates are significantly more likely than those without any college experience to say that their education has been “very useful” in preparing them for work and a career (46% vs. 31%). And these better educated young adults are more likely to say they have the necessary education and training to advance in their careers (63% vs. 41%).

To examine the value of education in today’s job market, the Pew Research Center drew from two complementary data sources. The first is a nationally representative survey conducted Oct. 7-27, 2013, of 2,002 adults, including 630 Millennials ages 25-32, the age at which most of these young adults will have completed their formal education and started their working lives. 

Taken together, these two facts—the growing economic return to a college degree and the larger share of college graduates in the Millennial generation—might suggest that the Millennial generation should be earning more than earlier generations of young adults.

I am very motivated to go to college it's something I want to succeed in and something I want my goal is to become a vet.

Grades

My grades are good I have As and Bs in all my classes I just want them to stay like that I don't want Any Cs I am happy with my grades I have As on English and Econ. I'm nervous about the next quarter i just want them to stay up and finish strong

4th Quarter

Incredible!  It's already here!!  We have made it through 3/4's of the year (maybe even a bit more) and the light is finally visible at the end of the tunnel!  With that said, as exciting as 4th quarter arriving can be, it does have the potential to be not only exciting but frightening as well!  Now that the 4th quarter has arrived for you, what are some things you are incredibly excited about with the end of the school year on the horizon and what are some things that you are nervous, concerned about as June arrives?  Is there anything you want to make sure you do/accomplish before you leave M-A for the year?


I'm excited that I'm leaving high school and starting my Grown up life and it's scary but at the same time it is a good thing that I am looking forward too I can't believe time flew right now it is getting stressful and I am trying to see that my best option is available. I am stressed about the test I will have to take but I feel like I can study a lot with all the things that is happening. I just want to finish with college at least commutiy  college done in two years.

“Sure, I’d Make That Bet”

1. Why did these banks pay such large bonuses in 2008
2. What grade would you give the decision to award these bonuses?
3. Finally, how might the prospect of such large bonuses affect the behavior of employees? In theory, people have an incentive to perform well if they make more money when their contribution to their bank’s profits is greater. But what happens to the employees when the bank loses money or collapses? If the banks still pay bonuses, and employees know losses will be borne by investors and taxpayers, will they take on too much risk?

Banks pay large bonuses in 2008  because they would loan rich people money and they would go to bankruptcy. I would give these bonuses a low grade because it is taking money from our tax and the money payed of tax are people like my parents. This is wrong because thing that should be invested in education is invest instead in  in paying so rich people can have humongous loans. Large bonuses can destroy our life in several ways like getting a house later in the future but being charge a lot and then I might not be able to pay it and being charged the triple A fine after when I should not be charged this high. Like the video showed college being the problem to make up the career of our dreams.

It’s Utterly Mad

1. Why might they have done this? 

They did because they people giving out the the loan were the ones receiving high pay and didn't care and it didn't seem as a problem to them because they had money it became a huge mess and it didn't work out everything they did was a bad idea. Everyone lost mooney expect for the bankers or loan givers.

1. Was it an innocent mistake, which surprised the banks and rating agencies as much as it surprised most investors? Or was it an intentional ruse, which generated phantom profits and bonuses, even as it sowed the seeds of financial destruction?

I feel as if they did because they didn't really care because all of  employes would get huge amount of money they had houses everywhere. They had a lot of money they had to be blind I feel like they knew but since they got a lot of money they didn't care since it wasn't there problem we lost a lot of money I don't think it was fair. 

1. How, exactly, was it “mad”?

It was mad because everyone was buying houses and everyone was getting zero interests which made a big impact everyone wanted a house but they if the prices went down they got mad since they were paying a lot more so people would leave the house but the banks would charge then and both ended up losing everything was going crazy.

Luck of the Irish

Good Morning and Happy St. Patrick's Day! While in middle and high school here in America St. Patrick's Day tends to be a day to wear all green and pinch your friends who don't, the holiday is very real and a celebration native to Ireland. To kick off the morning today, it only seemed appropriate to spend a moment looking into the true meaning of the holiday. For your post, share what or whom the celebration of St. Patrick's Day actually commemorates and 3 interesting/fun facts you can find about the holiday! Thanks and we will continue with the Inside Job shortly.

Saint Patrick's Day or the Feast of Saint Patrick, "the Day of the Festival of Patrick") is a cultural and religious holiday celebrated annually on 17 March, the death date of the most commonly-recognised patron saint of Ireland, Saint Patrick 
religious feast day for the patron saint of Ireland has become an international festival celebrating Irish culture with parades, dancing, special foods and a whole lot of green.

St. Patrick wasn't Irish, and he wasn't born in Ireland. Patrick's parents were Roman citizens living in modern-day England, or more precisely in Scotland or Wales

At the age of 16, Patrick had the misfortune of being kidnapped by Irish raiders who took him away and sold him as a slave. He spent several years in Ireland herding sheep and learning about the people there. 

According to legend, St. Patrick drove all the snakes, or in some translations, "toads," out of Ireland. In reality, this probably did not occur, as there is no evidence that snakes have ever existed in Ireland, the climate being too cool for them to thrive. 

The Inside Job Pt. 1

What is a loan?  Do you know anyone who has borrowed money to buy a house?  Who lent them the money?  Did the borrower have to make a down-payment?  Why?

In addition, it is important to know that if a borrower has a bade credit history, as about 1 in 4 peoples do, then their loan is known as a "sub-prime" mortgage.  Why would a bank even consider making a sub-prime loan? 

A loan is money that is provided to you now that you must repay later. Typically, lenders will give you a single immediate payment. In return you will be expected to send them smaller payments each month.  But there will always be interest which most of the time is high. Yes Ernesto aunt recently got a loan but there was for a brand new house everything had to me new to be able to get the loan and they check everything they did have to have some money and they also needed to know info about the job the manger had to write a letter on how much money they made and to make sure they were responsible and can in fact pay everything.

Banks want money coming in a sometimes it's rare they do given out loans to people that have jobs but can have a chance paying of paying but they have a really high interest loan. They get money coming in. 

Creditworthiness

discuss in your opinion what creditworthiness is. Feel free to discuss it on two levels. What would creditworthiness be in your life as of today and what does creditworthiness describe in regards to people borrowing money from a financial institution? Thanks and we will get started shortly

An assessment of the likelihood that a borrower will default on their debt obligations. It is based upon factors, such as their history of repayment and their credit score. Lending institutions also consider the availability of assets and extent of liabilities to determine the probability of default. It means that basic on your passed creidt history it talks about the diffecne of the changes that may affect it. it starts about if you want a loan or etc they check everything. They try to ask question and see if you are actually responiable and can affect the differnt types of things that can help you or not give you any borrowed  money.Borrowing money from bank makes everything safe and it makes things happen and helps with support and you wont lose money like having it on your wallet or house.

Finance Park!

Last week you spent two days learning more about taxes, where they go and how they are determined.  What did you find most interesting about this unit?  What are the 3 types of taxes that are collected and how is that money reinvested into our society and/or our government.

Income tax sale tax and property tax are the three types of taxes. All the moneys goes to the government and that helps with health care and other things. In the end of the year most people get there money back. It goes to your social security and builds up with time.

1.  In San Mateo County, how is the amount of property tax due each year determined?
Its depends how much you make and how many people you have in your house hold and how many kids you have and how much your partner makes it's all about your situation.
2.  If you were going on an all out shopping spree, which state(s) would you most want to be shopping in?
Oregon because they don't have any taxes there and it's much cheaper

3.  What, in your opinion, is the best use for income tax money that is collected?

It's goes to government and it is also helps other things everyone needs like health care and food stamps and most things like jails and etc 

The Simple Post!

http://lifehacker.com/three-self-exams-everyone-should-perform-regularly-1539837210

Today's blog post is simple - find an online blog on a subject you are interested in and share the blog on yours. After including the link, tell us what the title and subject of the blog is and what you find interesting about it. Finish off your blog by highlighting how your weekend was, did you do anything particularly fun and/or exciting? Thanks! I know it's a little off topic in relation to Economics but a little variety never killed anyone

The blog talked about how you should examine your self at least once a month because you can get cancer at any given moment. You need to get your skin checked because you might get skin cancer and other things that can affect your health. That can harm your body and it can also affect your family . You need to put your health first because you never know what can happen it's better to be safe instead of hurting it. My weekend was good I went to the mall to buy my birthday present but I only got one thing and I went to two malls. Sunday I went to a store didn't find anything and just stayed home and relax.

Let's Get Rich!

Part 1:  What do you think would be your investing style if you were to invest in the stock market?  Would you invest and how would you choose your stocks?  Would you choose stocks that are safe and might increase gradually over time or would you be a bit riskier and look for stocks thathave a lot of potential to be successful (but the same chance of failing).

Part 2:  What are some ways you can invest in yourself to ensure you have as many opportunities as possible?  What do you think the keys are to your personal and financial success moving forward?

I would choose something that is very popular and something that people buy a lot and could go up very quickly I wouldn't go for something that is barely coming out because I wouldn't know how it will go I want to make money but lose any. Honestly in real life I wouldn't go for stocks.

To make sure I don't always over spend and also always save some money when it is coming in and not touch until later on or in emergency. My goal is to get a house that I can be happy in houses are very expensive. 

THE STOCK MARKET!!!

 if you can find the most expensive stock on the stock market today!! What is a stock and what are some of the pros and cons of investing your money in the stock market!?!?

They’re the Rolls-Royce of stocks. When you put your money down for shares of Seaboard Corp. or Priceline.com Inc., they don’t come cheap. One share of Seaboard, a global food, energy and transportation company based in Shawnee Mission, Kan., will cost you $2,710. And Priceline? Try $989.03 a share. That’s well beyond the reach of most investors. But as heady as those prices are, they dwell deep in the shadows of Berkshire Hathaway Inc. Because one share of Warren Buffett’s multinational conglomerate is currently going for $168,205. That’s enough to buy a median-priced two-bedroom home in Las Vegas with $74,205 left over — or nine brand new Honda Civics.

A stock is a investment that you can choose that makes a huge difference you buy a stock and if that company is doing good you can get a lot of money.

 A stock is an ownership share in a corporation. Each of these shares denotes a part ownership for a shareowner, stockholder, or shareholder, of that company. Stocks are traded on exchanges all over the world, the largest is the New York Stock Exchange or NYSE. Stocks are identified by their ticker symbol. For example, General Electric is identified as GE. Investors can buy a share in companies, or a share of a diversified global portfolio of stocks. Individual Investors can purchase shares for themselves, at a brokerage of their choice, or direct from the company, wherever they have an account set up.

Following Up on Your Academy Check - In and an Explanation of the Gradebook!

1.  Find an assignment in Infinite Campus with a "0".  If the assignment is marked with an "M" for missing you may not make it up!
2.  Complete the assignment.  You can complete it using the link provided, type your responses into an email or even hand write your responses and turn it in - whatever is easiest for you!
3.  Any assignments submitted electronically, you must also complete a post it note with your name and each assignment completed.  You will hand that post it note to me (or the substitute) at the end of the class period so that I can then check what assignments you have successfully completed.
4.  Once you have completed all of your assignments for my class, this time can/should be used to:

Complete you FAFSA (DUE MARCH 2nd)
Research and Apply for Scholarships
Contact the school you plan to attend and register for placement exams/get answers to questions you might have about enrollment
Complete any/all work for your other classes
This time is dedicated to you and should be taken full advantage of!  Today is a study hall - you should be sitting in your assigned seats and should be working quietly and on your own.  I will not accept assignments from the first few weeks of school after today so assignments not completed in class that are marked with a "0" should be completed by midnight tonight.  You can find the corresponding assignments in Schoology.  The assignments in Infinite Campus have the same title as those in Schoology so your missing assignments should be easy to find!

If you have any questions, concerns, etc. please be sure to email me during class so that you can move forward with your assignments and be successful!

Thank you in advance for an outstanding work period.  I will have your new, updated grades by Tuesday of next week!!  I will also collect your JA Finance Park Workbook next Tuesday.  As of today, every single page up through page 25 should be complete!  No exceptions!  With that said ... lets get to work!!

How much work do you and your 2nd period classmates have to make up?  As of this morning:

9 students have F's
11 students have D's
3 students have C's
3 students have B's
1 student has an A

Again, no late work will be accepted after todays block period ... so submit the work, complete a post it note and return it to the sub before the end of class!!  No exceptions!