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Semester Exam Review. Chapter 20 Career Planning Section 1. Full time job Job/occupation vs . career Interests Values Skill, ability, aptitude Personality Outsourcing Adapt to change. Chapter 20 Career Planning Section 2. Career counselor Networking Job shadow, internship, volunteer
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Chapter 20 Career PlanningSection 1 • Full time job • Job/occupation vs. career • Interests • Values • Skill, ability, aptitude • Personality • Outsourcing • Adapt to change
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
Chapter 21 Getting a JobSection 1 • Qualifications • Employability skills • Level of education • Body language • School performance, extracurricular activities
Chapter 21 Getting a JobSection 2 • Resume • Chronological resume • Job objective • Cover letter • Application, employment testing • Job interview
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
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
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
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
Chapter 28 Managing Personal FinancesSection 1 • Personal financial planning • Inflation risk • Interest rate risk • Income risk • Personal risk • Liquidity risk • Opportunity cost
Chapter 28 Managing Personal FinancesSection 2 • Budget • Income • Gross pay vs. net pay • Deductions • Fixed vs. variable expenses • Budget variance, surplus vs. deficit
Chapter 29 Checking AccountsSection 1 • Check • Direct deposit • Interest-bearing account • Joint account • Signature card • Overdrawn • Stop payment • Debit card
Chapter 29 Checking AccountsSection 2 • Payee, drawer, drawee • Routing number vs. account number • Check register • Endorsement • Canceled vs. outstanding checks • Bank reconciliation
Chapter 34 Vehicle and Property InsuranceSection 1 • Bodily injury liability • Property damage liability • Collision • Medical payments • Comprehensive • Uninsured • Miscellaneous • Claim • Deductible
Chapter 34 Vehicle and Property InsuranceSection 2 • Real/personal property • Renters insurance • Standard fire policy • Homeowners policy • Rider • Replacement value
Chapter 35 Life and Health InsuranceSection 1 • Life insurance • Beneficiary • Cash-value insurance • Term insurance
Chapter 35 Life and Health InsuranceSection 2 • Coinsurance • Copayment • Pre-existing condition • Health Maintenance Organization (HMO) • Preferred Provider Organization (PPO) • Medicare • Medicaid
