Please read the following post and write a short reflection in your Weebly.com journal.
"3rd Herd" Prior To MFO Deployment (Ft. Lewis, WA)
As you know, I am a Veteran of the US Army. This weekend is for you to relax and enjoy a well-deserved rest. While we celebrate our Veteran's on another day, please bear in mind the following excerpt from About.com:
"Many people confuse Memorial Day and Veterans Day.
Memorial Day is a day for remembering and honoring military personnel
who died in the service of their country, particularly those who died in
battle or as a result of wounds sustained in battle. While those who
died are also remembered on Veterans Day, Veterans Day is the day set
aside to thank and honor ALL those who served honorably in the military -
in wartime or peacetime."
All three will work. Some of your computers may not have the Java Console installed. Please do not install it, you can use the computer at the printer in the front of the room if you need to. Wordle seems to work the slowest, but have the most choices for being creative. ABCYA is the easiest to use and should be simple to download and send to me. WordItOut requires you to enter your email to get the downloaded copy.
Please choose as many adjectives below to describe yourself. The more times you repeat a word, the bigger and more highlighted it will be in your Word Cloud. Copy and Paste the words you want to use to describe yourself into the text box on the Word Cloud creator you are using. Then hit create. Each of the sites works in a slightly different way. Eventually, you need to create a custom Word Cloud, download it to the desktop as a JPEG picture, and email the picture to my email (firstname.lastname@example.org) so I can print it for inclusion in your personal guidance folder.
Look to the right to see an example of my Word Cloud (Click Image To See It Better). Below is a list of adjectives to use, but you can include any additional words that describe you that are not on the list. Make sure you do not use any profane, vulgar or other poor word choices.
Today you will be creating your own 1/3 page for the Crossroads Yearbook. Your page section will be copied and listed alphabetically in our yearbook. The yearbooks will be printed in black & white to save money, but an electronic color copy will be emailed to everyone and linked to my website for download. You can then print and bind your own color copy if you like.
When you think you have mastered the software a bit, please click the link below to download the template. You will be using any one of the three outlined spaces to create your page. Do not resize the background blocks, but you can change the background color and edge trim. Ultimately, the yearbook staff will be editing, proofreading, and pasting your section into the final draft of the yearbook.
Anyone who does not submit this project will have the picture from their SCHOOL DISTRICT ID used in the yearbook. Enjoy creating this last project of the year. Do not forget that any time not spent on this project can be spent finishing your Family Monthly Budget, working on your 8th Grade Project, or working on Extra Credit items to improve your grades.
- Mr. S
Please see the example below for what the yearbook pages will look like:
Here are the final changes to your Family Monthly Budget. Please record
the changes and email me your final budget forms. You must email me the budget as a MS Excel Workbook/Worksheet. DO NOT UPLOAD TO GDRIVE AND SHARE IT!! I will review you
budget and return them next week. This will be a major part of the
grade for this marking period.:
(You may now add 10% of your earnings in the stock market game (Investopedia) to your monthly budget. See me for a withdrawl amount for today.)
1.Add 5 pints of your favorite ice-cream to your grocery bill for the month
2.Add $150 to your budget for home repair.
3.Add a Doctor’s visit to your budget ($20 copay)
4.If you did not add a vehicle to your initial budget, you need to find a car and insurance.
5.Get a pet:dog, cat, fish, snake, whatever….but budget for the animal, veterinarian and care products.
6.You are taking a class at a local college….add $425 for tuition and $125 for books.
7.You went to the movies with your niece/nephew/child/etc…..add enough to cover popcorn and tickets.
8.You took first prize in a writing contest….add $100.
9.Add $50 per month for an increase in cell phone service
10.Find a bicycle for fun and add the cost to your budget
11.You went to the mall to shop for clothes… add $125.
12.You won the lottery……$150…scratch off… add to your budget
13.Your mom’s birthday is coming up…get her a gift….add it
14.You utility bills are 10% higher than you budgeted for…..add it
Don't forget to estimate your monthly grocery budget by multiplying your weekly grocery shopping plus your fast food budget by four. Add those values to your budget as well.
Finally, email your final budget to me and include at least 3 paragraphs on what you learned while keeping a budgetand how this project might help you in the future.
Here is the grade breakdown for each task of this project:
Unfortunately, sometimes bad things happen. We get car
insurance, homeowners insurance and health insurance to be on the safe
side. But what if you are a renter? Who protects your belongings and
makes sure you are not held responsible for personal or property damage
at your apartment? If you rent an apartment, condo, or home, rental insurance is your safeguard against property loss and personal liability.
Imagine the following scenarios:
What if all your clothes, TV,
computer, furniture, and other belongings were destroyed by fire? Could
you replace them, immediately, out of pocket?
Could you be held liable if your friends or family were injured on the apartment grounds or in your apartment?
What if your apartment unit was broken into and your personal property was stolen, how would your belongings be replaced?
Fire. Injury. Robbery. These are just a few reasons why people get
apartment renters insurance. It is up to you to protect your belongings
and prepare for the unexpected with rental insurance. Whether you are
looking for apartment rental insurance or insurance to cover your
storage rental you need to consider these:
protect you against the financial risk associated with property damage
insure full replacement value for your personal property and that of your neighbors
provide you with quick payment for approved claims
provide you with temporary living expenses over and above your normal living expenses if your apartment is covered in the loss
NOW use the following calculator to think about how much Savings you will need to set aside while you are earning a living (your starting amount is the amount left over from your shopping trip on moving day:
You might also need some life insurance, but that is normally handled with your employee benefits people. Your new jobs could include Life, Health, and other benefits we will discuss today.
Finally, you can now add 10% of your earnings from our Investopedia Stock Market Game. Call me over to make the withdrawl if you want. I will have today's print out with totals and will approve all withdrawls.
Enter all of your items on your budget and save it for tomorrow!!
Today you will be examining how much your local utilities cost. You are at your new apartment and you need to estimate your monthly utility expenses. There are many websites you can use, but to make sure you are estimating correctly you will need to read the following article first:
Once you have read the article, please open your Weebly.com Journal and write a few sentences about which utility companies you use in your new city and how much you are estimating for the costs for your new apartment.
Here are some additional websites to help you estimate your costs:
Once you have estimated your costs, enter the amounts in your budget under the PROJECTED COSTS COLUMN. Only when you actually recieve a bill would you use the ACTUAL COST COLUMN.
The average household US water bill varies widely from
state to state and municipality to municipality. Small town household
water rates fall somewhere between $1.00 and $2.00 per 748 gallons of
water or HCF (hundred cubic feet). Large city household water rates are
from $2.00 to $3.00 per 748 gallons of water.
Many water bills are billed on a bi-monthly basis.
Many large cities have tiered water rate structures, whereby customers pay much higher rates for the water they consume beyond a certain predetermined amount.
The average US resident uses around 150 gallons of water per day. This number varies widely. Let’s look at a household of 4’s water consumption for one month or over a billing cycle:
Average daily water consumption: 600 gallons of water
Average monthly water consumption: 18,000 gallons of water
How many HCF is this? -> 18,000 divided by 748 = 24
Average cost per HCF? -> $1.50
Average monthly water bill? -> $1.50 x 24 = 36
Average bi-monthly water bill? -> $72
(Bear in mind that this number is for the small municipality only)
* We of course need to add to this number the sewage rate/cost plus any additional fees. To be safe, let’s just call it an $15 per month.
New average US household water bill? -> $51
Now, let’s acknowledge that this is only a number to which there’s no
need to hold fast to. It merely gives us an idea of the expensiveness
of water, and just how quickly a water bill can go through the roof due
to a running or leaking toilet, say, a phenomenon to which 90% of all
high water bills are due.
Use the balance of the time in class to finish your other Family Monthly Budget Items or work on your 8th-Grade Projects. Tomorrow we will look at Insurance and Investments.
Please use the handout to plan your menu for a week. I would like you
to plan at least 2 dinners for 2 and a family dinner (6 people or more)
for the weekend sometime. It can be breakfast, lunch, or dinner, but
include anything you would normally serve. Once your menu is complete,
make a grocery list. In addition to groceries, there is a list of
other items (BELOW) that you will need to keep at your home.
Detergent, soap, etc. You may also include any items you might
actually use regularly to your shopping list. Finally, go to the
website below and price everything you will need. You may need to make
substitutions, but you will get a good general idea of prices for your
weekly shopping trip. You will enter these figures on your monthly
budget (remember that this sheet and shopping list is only for one week) when you are finished as actual costs.
Here are a couple of places to shop. You may also look for other online grocery stores, pharmacy's or other providers. They must list individual item pricing and you need to figure out delivery if you do not have one of the stores local to your new apartment. (Example: You can price things at Target.com, but you must figure out shipping costs if you do not have a Target store locally. You must also figure out how to get your purchases home if you do not have a car.)
Laundry Detergent, Soap, Shampoo,
Deodorant, a Mop, a Broom, All-Purpose Cleaner, Light Bulbs, Dish Soap, 3 2-Liter Bottles of Soda (ie.
Coca Cola, Pepsi, etc.), Band-Aids, Cold Medicine, and a
Bucket, Tylenol or Advil, Batteries and a Flashlight, a Basic Tool Set, a Wiffle Ball Bat Set, and M&M's.
YOU MUST ADD EVERY ITEM ON YOUR SHOPPING LIST TO THE PERSONAL SHOPPING LIST PAGE OF YOUR DATA SHEET ON THE FAMILY MONTHLY BUDGET. MAKE SURE YOU CREATE AREA FOR YOUR GROCERY SHOPPING FROM THE SHOPPING LIST YOU COMPLETED FOR YOUR MOVING DAY!
SEE EXAMPLE BELOW:
If you need copies of the forms in MS Excel or Printable, click the form below and download or print a copy:
1. They Value Other People's Time: They value their own time so they also value the time of other people. They know you have plenty of other places you need to be and won’t hold you up. If you spend time with them, it is likely they will thank you for that as well.
2. They Give Credit Where It Is Due:They do not take credit for things they did not do. They will always credit those who deserve it. If you help this person with a project he or she will likely mention your name so you can take credit for your work.
3. They Are Authentic:They are their truest forms. You won’t catch them in a lie or being fake.
4. They Are Always Honest:They are honest people that feel no need to lie as it is important for them to get to where they need to get in life honestly.
5. They Never Take Advantage Of Others:They are not the kind of people who will take advantage of someone else. They love to build people up and help them get where they need to be. Taking too much from someone else will never be an issue with someone who has a lot of integrity.
6. The Do Not Argue Over Disagreements:They will talk through things in a civil manner or not talk at all. You cannot and will not force this person into arguing over something completely ridiculous. I find this to be a very respectable trait.
7. They Give Most People The Benefit Of The Doubt:They try to see the good in everyone. I think this is because they feel like maybe there are more people in this world that also have integrity. That being said, if you take advantage of them too much they will get rid of you.
8. They Know When Something Is Bothering Someone:They have a great intuition that lets them know when something is going on. If someone is down in the dumps they will notice. Chances are they will actually do what they can to cheer you up.
9. They Believe In Others:They accept your word as truth until it is dis-proven. That being said, they do not take lying well. And once you lie to them, it is unlikely that they will ever take your word again.
10. They Apologize First:If they have done something wrong they will come to you and apologize. This is just how they are. They own up to their mistake and try to make things right.
11. They Are Humble:They do not quite know their own worth. While they are very important and do so much good they don’t quite see it. You should remind them of it.
12. They Do Good When They Can:They are always helping other people. They love to know that they have improved someone’s life. It gives their lives meaning.
13. They Are Always Kind To Those Who Need It:Giving kindness can go a long way. When someone looks like they need a little pick me up these people deliver. They can brighten up almost anyone’s day.
If you are someone who has true integrity, thank you for being who you are and thank you for all that you do. You really do actually make a difference in society, please keep up the good work. If you feel no one else is proud of you, know that I am.