1 / 17

Comprehensive Guide to Career Planning, Credit, and Personal Finance Management

This review covers essential topics in career planning, job-seeking strategies, and financial literacy. Chapters include insights on securing full-time employment, understanding the differences between jobs and careers, and building a career plan. Additionally, it discusses the basics of credit, including different types of loans, credit ratings, and managing personal finances. The guide also provides practical advice on checking accounts and insurance to help readers navigate their financial responsibilities effectively and prepare for their future career paths.

ronna
Télécharger la présentation

Comprehensive Guide to Career Planning, Credit, and Personal Finance Management

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Semester Exam Review

  2. Chapter 20 Career PlanningSection 1 • Full time job • Job/occupation vs. career • Interests • Values • Skill, ability, aptitude • Personality • Outsourcing • Adapt to change

  3. Chapter 20 Career Planning Section 2 • Career counselor • Networking • Job shadow, internship, volunteer • Entry-level job • Supply and demand • Career plan • Graduation plan – current courses taking • Education and training plan – you will need • Experience plan – internships, volunteer

  4. Chapter 21 Getting a JobSection 1 • Qualifications • Employability skills • Level of education • Body language • School performance, extracurricular activities

  5. Chapter 21 Getting a JobSection 2 • Resume • Chronological resume • Job objective • Cover letter • Application, employment testing • Job interview

  6. Chapter 25 The Basics of CreditSection 1 • Credit • Creditor – lends money • Debtor – borrows money • Interest • Consumer vs. commercial credit • Credit rating • Advantages/Disadvantages of using credit

  7. Chapter 25 The Basics of CreditSection 2 • Single purpose, multipurpose, travel and entertainment cards • Single payment loan • Installment loan • Mortgage loan – collateral • Consumer finance companies

  8. Chapter 26 How to Get and Keep CreditSection 1 • Annual Percentage Rate (APR) • Cash advance • Cosigner • Grace period • The Three C’s of credit • Capacity – ability to repay the loan (income) • Character – trustworthy in repaying debts • Capital – money beyond debts (savings/investments) • Credit limit

  9. Chapter 26 How to Get and Keep CreditSection 2 • Variable vs. fixed rate • Down payment • Principal • Finance charge • Secured vs. unsecured loan • Garnishment of wages • Repossess

  10. Chapter 28 Managing Personal FinancesSection 1 • Personal financial planning • Inflation risk • Interest rate risk • Income risk • Personal risk • Liquidity risk • Opportunity cost

  11. Chapter 28 Managing Personal FinancesSection 2 • Budget • Income • Gross pay vs. net pay • Deductions • Fixed vs. variable expenses • Budget variance, surplus vs. deficit

  12. Chapter 29 Checking AccountsSection 1 • Check • Direct deposit • Interest-bearing account • Joint account • Signature card • Overdrawn • Stop payment • Debit card

  13. Chapter 29 Checking AccountsSection 2 • Payee, drawer, drawee • Routing number vs. account number • Check register • Endorsement • Canceled vs. outstanding checks • Bank reconciliation

  14. Chapter 34 Vehicle and Property InsuranceSection 1 • Bodily injury liability • Property damage liability • Collision • Medical payments • Comprehensive • Uninsured • Miscellaneous • Claim • Deductible

  15. Chapter 34 Vehicle and Property InsuranceSection 2 • Real/personal property • Renters insurance • Standard fire policy • Homeowners policy • Rider • Replacement value

  16. Chapter 35 Life and Health InsuranceSection 1 • Life insurance • Beneficiary • Cash-value insurance • Term insurance

  17. Chapter 35 Life and Health InsuranceSection 2 • Coinsurance • Copayment • Pre-existing condition • Health Maintenance Organization (HMO) • Preferred Provider Organization (PPO) • Medicare • Medicaid

More Related