Monday, June 9, 2014


2013-2014 School Year Final Exam
Copy and Paste these questions into a GOOGLE DOCUMENT and SHARE THEM WITH ME FOR CREDIT ( when you have completed them.
Answer The Following Questions (Each question should be explained with a paragraph answer, 3-4 sentences, with proper structure.):

Question 1:  Describe, in your own words, how technology has changed the world you live in (compare it to the world your parents and grandparents grew up in):
Question 2:  List and explain five ways you will use the tools you have been given in this course during the upcoming summer vacation.

Question 3:  Explain how the technology tools you have been taught this year will help you in High School.

Question 4:  Describe a time when you could pass on your knowledge in the coming year.  Who would you teach?  What skills or tools would you show someone else?  Why?

Question 5:  What does the term “Technologically Literate” mean?  Explain how you could increase your Technology Literacy in the coming year.

Question 6:  Explain how you will protect your "Online Permanent Record" for the rest of your life.  List at least three (3) ways to improve your Internet Safety and Security Level.

Final Question:  You must list and describe (1-2 Sentences) 10 or more specific tools you have learned this year in Computer Science.  Add one sentence for each item about how you used it, or will use it in the future.   

See the example below for an idea of what I am looking for:

1.  GMAIL/EMAIL:  Email is used in place of sending letters to people.  It is electronic mail that can be transmitted electronically.  Senders can write a letter in different formats and then by addressing it to as many people as required, send each recipient the same message.  Recipients can send replies, and emails can be forwarded.  Everything happens in fractions of a second.  The sender can also attach files such as documents, pictures and hyperlinks along with the email.  We have used email all year to communicate, turn in work, and to receive classroom instructions.

Friday, June 6, 2014

Final Budget Project 2014 & Extra Credit

Please view the video above in class and write a short Journal (Weebly) Entry on what it must have been like to be 18 years old and having to come ashore on those horrific beaches in the midst of battle.  Why do you think that the men and women of that era are known as "The Greatest Generation".  Know too that the living record of that time is quickly disappearing.  WWII Veterans are almost all dead, and we owe our freedoms and respect to them as we move forward!

Next, Follow the Directions Below to Create Your Budget Presentations for Next Week!

Today you will turn your Personal Monthly Budget into a Google Presentation.  You must open Google Drive and CREATE a new Presentation.  Label your new presentation "PMB (Your Last Name) P(1-6)".

You must have the following items:

 5 or more slides.  All Items in your Personal Monthly Budget must be presented.  See the following list of Items to Add to your Presentation:

Introduction Slide
College and Major
New City and Job
How you travelled to New City
Show a Map of Places You Found (Print PDF To JPEG)
Stores you shopped at and Dream Car
Utilities and Insurance
Grocery and Food (Specifically Your Family Dinner)
What is there to do for fun in your new city?
Wrap Up!

You must have a picture on every slide.  Do not write full sentences, only use the presentation to remind you of what to talk about next.

Make sure you pick a theme and background.  You will present these projects to each other over the next on Monday and Tuesday.  You will be selected at random to present.  If you are not ready WHEN CALLED ON, you will take a zero on the presentation portion of the project  Be ready to comment and give each other feedback!

You must SHARE this project with me at for credit prior to our presentation day on Monday, June 9th (Must be shared by 8am Monday morning for Credit)!


Create a webpage and include all the items above.  Email me the link to grade for credit by Tuesday, June 10th at 4pm!

It is almost over!  Do not quit now!  Keep driving through the end of the year!

- Mr. S

Thursday, June 5, 2014

Final Budget Changes 2014


Here are the final changes to your Family Monthly Budget.  Please record the changes and email me your final budget forms.   I will review your budget and comment on them next week.  This will be a major part of the grade for this marking period: 

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.

Add all of the above changes to your budget sheet somewhere appropriate (your choice).  Make sure your shopping lists are correct and complete.  Make sure that your entries are complete for groceries and eating out.  Finally, please send me an email stating your budget is complete and ready to be checked.  Next week you will be creating a Tackk Webpage showing your budget, explaining how you chose the city and career you picked, describing the items you bought and how you live, and showing pictures of the new city, apartment, and other items.

Wednesday, June 4, 2014

Insurance Search 2014

Objective:  Students will learn why insurance is critical to making sure they are covered in the event of a catastrophic loss.  Students will complete a Journal Entry about the primary types of insurance they may require in their lives.  Students will discover what Renters Insurance is and why it is important.  Students will calculate basic costs for different types of coverage and estimate monthly costs associated with Renters Insurance. Students will then choose a Dream Car and investigate the costs of owning and operating it.

1.  Read Lifehacker Article and Complete Journal (Weebly) Entry
2.  Follow steps to learn about and estimate Renters Insurance Needs.
3.  Follow directions for Dream Car exercise and investigate insurance costs.
4.  Enter costs on Budget Sheet prior to leaving class today!
5.  Work on any items still outstanding for class.

Please READ the following article and write a Journal Entry (Weebly) about what types of insurance you need and why (In Your Own Words!).  Then continue with the exercise below and enter your insurance costs (Projected Cost Column) on your Budget Sheets.


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
  • give you peace of mind!
Use this calculator to total up the value of everything in your apartment and think about how you would replace it in the event of a disaster or problems:

Use this calculator to find out how much you might pay annually for insurance: (If you have a car in this budget, enter the amount of your monthly payment estimate)

Use this calculator to estimate your monthly payment.  You must estimate using a 48-month loan at 7% interest.  Good Luck!

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:

Add your monthly savings into your budget.

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!!

-Mr. S

Tuesday, June 3, 2014

Budget Posting Day & Utility Costs 2014

Objective:  Students will begin to enter data on their budget sheets.  ALL ENTRIES ARE TO GO IN THE PROJECTED COSTS COLUMN OF THE BUDGET!  Students should spend time today entering their Projected Costs for rent, transportation (train/bus pass), shopping costs and any other items on their budget sheets.  Students should also add the MONTHLY INCOME to the INCOME BOX to initialize the sheet.  Finally, students should research the cost of utilities in their new city and estimate the costs on their budget sheets.  See directions below for figuring out your monthly utilities.

1.  Enter your Monthly Income in the Income Box on the Budget Sheet
2.  Enter your Projected Cost for your RENT
3.  Enter your Projected Cost for the SHOPPING you did to move in.
4a.  Complete Journal Entry (Weebly) Listed Below
4b.  Use the tools below to determine your Average Utility Costs for the Month:
  • Electric, Natural Gas, Water, Sewer, Trash Pickup, Phone, Cable, Internet
5.  Enter those costs on the Projected Cost Column of your Budget
6.  Work on anything else you owe for this class.

Here is an article with a good idea of how much you should estimate based on your income for your budget:

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 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:

You can also use Google (or another search engine) to find sources for estimates of costs in your city.

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.


Make sure you find your local providers and compare pricing.  If you are using a Mobile Phone, you must also add that to your Budget Sheet.

Keep up the Great Work on this project!  The school year is almost over!

- Mr. S

Monday, June 2, 2014

Investing and Stock Market Challenge 2014

Objective:  Students should learn the basics about savings accounts and investing in the Stock Market.  Students will use independent learning time to navigate through a series of videos to help them better understand basic Personal Budgets, Saving Money, Credit Card Tips, and how to Invest in Company Stocks.  Students will complete a Journal (Weebly) Entry, a Budget Worksheet, and sign up for our class Stock Market Challenge 2014.

1.   Read the Article below and complete a Journal (Weebly) Entry
2.  Watch Videos Below and Complete Class Worksheet & Vocabulary List
3.  Create an account on and click link below to join 2014 Game
4.  Work on anything else you owe for this class if all other items are finished.

To begin your investing journey, please read the following article:  Investing VS Gambling Article (Click Here) and write a brief (2-3 Sentences) journal entry ( about your feelings about the main point of the article.

Second, watch each video link below on your own.  After each video, answer the questions on the worksheet for today.  When you have completed the worksheet questions, please research and fill in the Vocabulary Section on the back of the sheet.  Turn in the sheet for credit!

1.  Personal Budget Tips:

2.  How To Save Money:

3.  Savings Account Video:

4.  Credit Card Tips:

5.  Company Investing Tips

Third,   Use the link below to sign up for our Stock Market Challenge.  Please go to and create an account using your class gmail address.  Once Created, click the link below and you should automatically be forwarded to the game.  The name of the game is Crossroads2014 and the password is caatech.  Once you have created and account, click the BUY link and enter the Stock Market Symbol for the company you want to buy and how many shares you want (See Market Price).  If you make any money in the market this week, you can add it to your Final Budgets!

Crossroads@Meade 2014 Stock Market Challenge 

Use the following sites to help you pick stocks for the game:
MarketWatch (Wall Street Journal) Website (CLICK HERE)

MSN Money Top 50 Stocks (CLICK HERE)
Finally,  please click the following link and create an account in  You will use this site, and the $1,000,000 in your account to purchase stocks in real time.  Make sure you spend some time discovering how to use the simulator to BUY and SELL stocks.  You will be able to track your purchases and look at class rankings after the system updates overnight.  There will be some great prizes for everyone who participates and you can add some of the money in your account to your Personal Monthly Budget later in the program if you EARN MONEY over your initial $1-Million Dollar Investment.

Additional Resources:  here is a link to the Stock Market Basics Presentation from Class (Click Here)

We will be reviewing the following video together in class:  Investing Basics VIDEO (CLICK HERE)  and discussing how you can find stocks you might be interested in investing in for the project.


- Mr. S

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Integrity (13 Characteristics)

13 Characteristics of People Who Have Integrity

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.

Journal Entries 2012-2013

1. Introduction (9/10/12 - Weebly Journal)
2. 9/11 Reflection (9/11/12 - Email Instructor)
3. Internet Safety (9/19/12 - Weebly Journal)
4. Violence (9/20/12 - Weebly Journal)
5. Taylor Mali Conviction (9/25/12 Email Instructor)
6. 12x12x12 (10/1/12 - Weebly Journal)
7. Habit #1 Reflection (10-9-12 - Weebly Journal)
8. Habit #2 Reflection (10-24-12 - Weebly Journal)
9. Habit #3 Reflection (11-9-12 - Weebly Journal)
10. Interview a Veteran (11-12-12 - Email Instructor)
11. Digital Photography Reflection (11-19-12 Weebly)
12. Habit #4 Reflection (11-27-12 - Weebly Journal)
13. New Years Resolutions (01-03-12 - Weebly Journal)
14. Habit #5 Reflection (1-9-13 - Weebly Journal)
15. College Inquiry Project Reflection (1-14-13 - Weebly)
16. Habit #6 Reflection (2-6-13 - Weebly)
17. Habit #7 Reflection (2-11-13 - Weebly)
18. Indian Talking Stick (Covey) (2-20-13 Weebly)
19. Historical Figure Reflection (3-4-13 Weebly)
20. Investing vs Gambling Reflection (4-8-13 Weebly)
21. Poverty On My Block (4-15-13 Weebly)
22. Apartment Utility Cost Summary (5-13-13 Weebly)
23. Memorial Day Reflection (5-24-13 Weebly)

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