Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center...

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Education is not filling a pail but the lighting of a fire.” ~William Butler Yeats

Transcript of Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center...

Page 1: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

“Education is not filling a pail

but the lighting of a fire.”

~William Butler Yeats

Page 2: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

You have made a lot of accomplishments over the last two years; be proud of those. Can you believe that you are half way through high school? With only 4 semesters in school and only 2 left before college application process starts, this most likely will be your busiest year yet. This booklet will give you some helpful tools to keep you building the strong foundation that you have started. Keep your eyes on your goals and dreams and set some new ones. Remember; your family, teachers, academic advisors and school principals are still here for you through this process. Develop these relationships and establish new ones.

Start strong…………finish stronger

Good Luck!

Page 3: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

August:

o Get the necessary information for all of your classes. As the fall begins

the excitement of football season and a new school year is in the air.

Give yourself an advantage and hit the ground running in all of your

classes.

September:

o Browse college catalogues and websites to get ideas on what college you

want to go to.

o Gather a top 10 colleges you would like to attend.

o Consult your parents and high school counselors to narrow it down to 3

or 4.

o Plan to attend College fairs and parents’ nights in your area.

October:

o Research AP (Advanced Placement) or Dual Credit or Enrollment classes

you might take. These can benefit you by getting college credit before you

begin college.

o Research organizations that award scholarships to graduating seniors.

You may need to apply for these the summer before your senior year.

o KNOW YOUR DEADLINES (For college applications, SAT/ACT, and

scholarships.

November:

o Learn about eligibility requirements for federal and private student loans.

o Talk as a family about how much you can afford to spend on your

education.

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● ● ●

January:

Plan to take the SAT or ACT (Most colleges will prefer the SAT, but several will

also accept the ACT)

Attend any financial Aid nights in your area.

February:

Investigate private scholarships and other aid programs. Check with your

parents’ employers, local membership organizations, or programs related to

your intended course of study.

Make the most of spring break with a college tour!

Register for the SAT or ACT. Be aware of deadlines for registration and

remember to study. Higher scores make for better chances at scholarships,

financial aid, and college acceptance.

March:

Visit three to six schools on your list!

Take your SAT or ACT and mail your scores to your choice schools when you

receive them.

May:

Re-Take the SAT or ACT to improve your scores if necessary. Don’t forget to

mail your scores when available.

Keep future deadlines in mind.

● ● ●

Page 5: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Before Class

Read the material that will be covered in the

upcoming lecture, including chapters in a

book that will be discussed during class.

Read over your notes from the previous class.

Meet with your teacher to clarify concepts

from the last lecture.

Get the notes from any class you’ve missed.

Effective

Classroom

Participation

During Class

Date and title each set of notes.

Keep notes from different classes separate.

Sit where you can hear and see clearly without

disruptions.

Write legibly. If you are unable to read the notes you

take during class, studying becomes a very difficult task.

Don’t crowd your notes. Leave blanks to fill in missed

items. Your notes will be more organized and easier to

read.

Put emphasis on key points and definitions covered

during lecture (underline, use capital letters, or star).

Stay involved in the class and ask questions. Volunteer

for demonstrations. Join in class discussions. Focus on what point the teacher is on, rather than

scrambling to write down the whole overhead without

listening to what the teacher is saying.

Write down notes in your own words when possible,

with the exception of definitions. This allows you to

understand your notes when reviewing.

Use abbreviations and symbols to save time; this way

you won’t get behind when taking notes. However, be

sure you understand your abbreviations!

Add examples your teacher provides that aren’t already

listed.

Don’t be a clock-watcher.

Use class time wisely. Learn as much as you possibly can

in order to successfully complete outside homework.

Page 6: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Effective Listening

Sit near the front of the room.

Find a reason to listen to the

speaker. Why is this important?

Listen for more than just facts. Try

to understand the big picture.

Pay attention.

Avoid outside distractions, internal

noise, and daydreaming.

Prepare for lectures beforehand.

Have all the proper materials

ready to go as soon as class

begins.

Listen first, then write.

Formulate questions to look up

later, or ask the teacher after

class.

Put aside personal bias and listen

to the content of the speaker’s

message.

After Class

Review notes within 24 hours of class, or else you will be

relearning.

Use margin space to fill in abbreviations, add omitted points,

correct errors, and write key words.

As you read over your notes, pay extra attention to words and

phrases you have emphasized.

Try to connect the concepts you have learned in class to see

their overall meaning in the larger picture.

Practice reciting the information using only key words.

Talk with other students about the lecture, especially when

there is information you don’t fully understand.

Write it down if your teacher…

Repeats an item.

Writes an item on the board or

overhead.

Points or gestures.

Changes tone or volume of voice to

add emphasis to the material.

Makes a direct reference to the book.

Asks if everyone understands the

concept just discussed.

Gives an example. Slows down.

Page 7: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Recall

Remember something else – Recall

related facts and examples,

brainstorm.

Notice when you do remember –

what technique did you use?

Use it before you lose it – Read it,

write it, speak it, listen to it, apply

it.

Organize

Be selective – What is important?

Previews, summaries, and review

questions, etc.

Make it meaningful – Get the big

picture. What is the main idea?

Create associations – Associate new

facts and ideas with something that

you already know.

Use Your Brain

Engage your emotions

Over-learn

Escape the short-term

memory trap – Review the

material within hours of your

study session.

Study during times of peak

energy

Distribute study sessions

Be aware of attitudes – Look

for connections to your

interests.

Combine techniques

Page 8: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

What is Math Anxiety? Math anxiety is an emotional feeling

that people have regarding their

ability to understand and work out

math problems. Since it interferes

with an individual’s ability to learn

math, it results in an intellectual

problem.

Math Myths

Men are better at math than women.

There is only one way to do a math problem.

Some people are gifted with a math mind, and others are not.

Those who are good at math quickly solve the problems in their head.

Page 9: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Review and Learn Basic Principles

Since math is an accumulative subject, a solid foundation of basic methods must be laid in order for you to succeed in higher level math.

Seek Help! Don’t be afraid to attend tutoring sessions. Learn anxiety management skills and develop effective coping strategies. Find which studying method works for you.

Be a Front Row Student By sitting near the front of the classroom, you are less likely to experience distractions and will be more engaged in the lecture. Also, front row students are more likely to ask questions during class.

Practice, Practice, Practice Do the math problems. Math skills come from practice and repetition. Working the problems should become second nature.

Use It Before You Lose It After class, review the material covered again. If you come across any questions, ask your teacher the following day. Math builds on itself. Therefore, not remembering a previous method could limit your ability to perform the next set of material.

Page 10: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Preparing For

Exams

Start Early

o Study for your courses throughout the semester. Read your notes and textbook chapters out loud!

o Plan your study times: studies show that cramming leads to higher stress and lower test scores

Gather Material

o Make lists of chapters, class notes, and any material that will be covered on your exam

Group the materials by topic

Make a Plan

o Develop a realistic study schedule based on clear and specific goals

o Decide the days and times you will use studying

o Decide what you actually plan to work on and what concepts you will cover

o Know your weakness

Target your studying

Don’t just say you know the material, ask yourself if you’ve mastered it

o Study the oldest material first

Understanding the older material is essential for understanding the new material

If the test is for a math or science class

o Work through previous assignments

o Practice problems

o Look for similarities in the problems and common techniques to solve them

o Don’t look at the answer key until you’ve really tried on your own

If you study with someone else

o Explain the material to someone

o If you can explain it, you know it

Other Hints

o Ask teachers for help on concepts you still don’t understand

Go to tutoring

o Get a good night’s sleep the night before your exam

o Eat a good breakfast the day of your exam

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The Seven Habits of Successful

High School Students

Be Organized

Keep a planner

Date papers, notes, and assignments

Ask Questions

Clarify assignments

Difficult concepts

How material is applicable in everyday life

Have Support

Someone you can go to for help

Someone you can talk to about life or

stress

Focus on Learning, NOT Grades

Make sure you understand

material

Homework is for studying don’t

focus on the grade

Read Independently

Read on your own 30minutes a

day

Read anything: Novels, articles,

magazines, or online news Be Well-Mannered

Polite people get things done and win

allies

Recommendations

Help on homework

Have Fun in School

Get involved in extracurricular activities

o Sports

o Clubs

o Community service

Page 12: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

School Club

Listing Pick a club and become involved on your campus! There are many to pick from.

B.E.S.T. Band

Baseball Boys & Girls Basketball

Bowling Club Boys & Girls Tennis

Cheerleading Crime Stoppers Cross Country

Debate F.L.O.W.

Fellowship of Christian Athletes Future Farmers of America

Football Golf

Boys & Girls Gymnastics Journalism

Key Club MSAA

National Honor Society Newspaper

One Act Play Drill Team

Boys & Girls Soccer Softball

Student Council Track

UIL Team Competition Volleyball Yearbook

Page 13: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Register on NCAA website during your junior year in order to be

considered by a college or university for a sports program. Please

see your academic advisor to make sure you are taking the

appropriate classes in high school that qualify you to play sports

at the college level. Your academic advisor can assist you with

registering or you can visit www.ncaa.org for more information.

Page 14: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

TRANSITION:

High School To

College

No Parents

Its sounds great doesn’t it? No Mom or Dad or

rules. However, this can be a challenge. This

means pushing yourself to wake up, feed

yourself, and do homework. You are

going to miss that structure.

No Hand Holding

You’ve probably noticed that high

school teachers are more than willing

to pull you aside and help you if you

are struggling in your class. In

college, professors will expect that

you know what you are doing at all

times and if you need help they will

expect you to go to them. It will soon

be your responsibility to monitor

yourself academically.

Different Attendance Policies

Yes it’s true, in college you don’t have to go

to class. If you want to sleep through your

morning class, it is perfectly legal. You won’t

be truant, but you will be behind. College

classes move at a much faster pace than

high school classes. You can’t afford to miss

any lectures.

Page 15: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Note taking Challenges

In high school your teachers will

conveniently follow the material

in the book almost word for

word. In college you will not

have that luxury. For college

exams you will be expected to

know material from the book

that the professor may or may

not cover. You will also be

expected to know material the

professor discloses that the

book may or may not cover.

More Study Time

In high school you may study

for a good hour or so for a

test and be fine. You may

not study at all and pass

with no problems. In college,

however, that game plan

will not fly. Most college

classes require 2-3 hours of

homework for every hour of

class time. This means that a

15 hour class week will give

you about 30 hours of out-

of-class work a week.

Challenging Tests

Well there is good news and bad news.

The good news is there are fewer tests

in college. The bad news is that

because of this, the tests are very

difficult, much longer, and often cover

a month of material (3-4 chapters).

Different Grading Policies

College professors tend to

base final grades largely on a

couple big tests and papers.

Effort by itself won’t win you

high school grades -- it’s the

results of your effort that will

be graded. If you have a bad

paper or test grade in college,

chances are you won’t be

allowed to redo the

assignment or do extra credit

work. Low grades in college

can also have serious

consequences such as loss of

scholarships or even

expulsion.

Page 16: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

UNIVERSITIES: Much larger and usually include their own liberal arts college. They offer

much more academic choices than liberal arts colleges. Class size is often rather large

however there are many on campus resources available such as libraries, athletic facilities,

and laboratories. Professors are often involved in research which adds to the vitality of the

learning community but does often take away from undergraduate teaching.

TECHNICAL INSTITUTES AND PROFESSIONAL SCHOOLS: This is for students who have made a

clear decision on what they want to study. Technical institutes emphasize preparation for

specific careers such as music, mechanics, engineering, and technical sciences. You will want

to be very certain of your future direction before selecting an institute like these.

COMMUNITY OR JUNIOR COLLEGES: These generally offer the first two years of a liberal arts

education, as well specific job preparation. After two years a student is awarded an associate’s

degree that may be continued in the pursuit of a bachelor’s degree.

Know the colleges you are considering. They are all unique and have different goals and beliefs. The key is to find the college or university that matches your goals and aspirations. Remember, you will potentially be spending the next 4 or more years of your life there. Make sure you will feel comfortable in your new home by researching it effectively.

Page 17: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

For careers such as these you

are going to want to go to a

junior college or trade school.

These awards, certificates, and

degrees are going to usually be

specific to a skill without the

versatility of a large university

degree.

These careers call for an

associate’s degree which can be

attained at a junior college or a

large university. Although the

skills learned here are also

specific to a career, credits do

transfer. This means that that

you can pursue a bachelor’s

degree as well if you choose.

Most high paying careers

are going to be found with a

bachelor’s degree. Not only

do students who attain a

bachelor’s degree usually

have higher pay, the

number of jobs available is

much broader due to the

versatility of the degree

itself.

Page 18: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Post Secondary School

This includes colleges, universities, and trade schools. It is

the most common option. If you are ready to select a

career path, then this is for you. Tuition rates can be

quite expensive, but financial aid and scholarships are

available.

Straight to Work

Going straight to work upon

graduation usually means making

the transition from a part time

employee to a full time employee.

This can allow you time to save for

college later or, if you have a job

that can lead to advancement, it

allows you to move up and build a

life-long career.

Military

At 18 years old you are eligible to

join the military. Having a career in

the military or going back to a

college or university later are

options. By joining the military, you

are also eligible for programs that

will pay your tuition in exchange for

your service.

Public Service Work

Public service members include

police officers, ambulance

attendants, paramedics, firefighters,

and government employees. These

professions are all stressful, but are

also very rewarding. The type of

training required varies between

jobs. Some require a college degree,

while others actually have paid

training programs.

Trade School

Trade school allows you to become

an expert in a specific trade such as

a mechanic, electrician, plumber,

mechanic, auto body technician,

etc. These jobs are usually well

paying, mentally stimulating, and

physically demanding.

Page 19: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Resume Writing

Dos

Tailor your resume for each job you apply for. The employer is looking for specific "buzz words" which need to be on your resume. Your skills listed should be what the employer is looking for.

Make sure you've completed at least one internship to include on your resume. Explain how you contributed to the organization and how you made yourself stand out. Point out the professional skills you gained during the internship.

List your membership and participation in professional organizations. Make sure you list all professioanl certifications you've earned.

List your work related and non-work related accomplishments. However, make sure your non-work accomplishments still show your benefit to a potential employer.

Don'ts

Don't embellish. You may be asked to explain work experience listed, so make sure everything you put on your resume is true.

Don't send before you proofread. Nothing upsets hiring managers more than the carelessness of misspelled words or typos. It tells the employer you aren't detail oriented.

Don't use the mail address you made in middle school. Create a professional email address for resumes and job related messaging. For example: [email protected]

Don't include irrelevant information on your resume. Make sure the information on your resume showcases your responsible side.

Don't write more than one page. Most employers don't look past the first page.

Page 20: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Interview tips to help you

GET THE JOB!

Prepare ahead of time. Research

your position before you go into the

interview. Learn as much as you can

about the company and job, and

then prepare a plan to stand out in

your interview.

Make a good first impression.

Dress professionally, be on time,

and show your eagerness for the

job.

Be ready to answer the tough

questions. Have answers ready for

questions such as, what is your biggest

weakness, describe yourself in three

words, tell me about a challenge you

faced with a coworker and how you

resolved the problem.

Have some questions to ask

your interviewer. This adds

balance to the interview and

shows your true interest in the

job.

An interview is not the place to be

humble. Be your own spokesperson

and play up your qualities and

strengths. Beware of self sabotage. Avoid simple

mistakes like negative body language

and giving too much personal

information.

Follow up on your interview. A thank

you card is best, but even a phone

call or email will show your continued

interest in the job.

If you don’t get hired, figure out

why. Go over the interview in

your head and go over any

questions and answers you feel

could have gone better.

Page 21: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Budgeting A budget allows you to:

To Develop a Budget You Need To:

1 • Understand where your money goes

2 • Ensure you don't spend more than you make

3 • Find uses for your money that will increase your wealth

Calculate your monthly income

Track your daily expenses

Determine how much you spend on monthly bills

Keep In Mind

Budgets are for everyone, no matter

how much or how little money you earn or how old you are.

The sooner you get into the habit of living on a budget, the more financially successful

you will be.

Budget is not a bad word!!!!

Page 22: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Saving

Protecting money is all about being prepared for the unexpected. Saving helps avoid situations that can lead to debt.

An easy way to start saving is to have a certain amount

of money automatically deducted from your

paycheck and put into one of the following places:

1) savings account

2) invested in a 401(k) retirment plan at work

3) invested in an individual retirement account (IRA)

4) invested in stocks, bonds, or mutual funds

5) pay off debt

Setting goals for savings helps to protect your money

Your Goals Should:

1) be realistic

2) have an established time frame

3) be well planned

Opening a Bank Account

Shopping for a Bank

Make sure your bank has:

-convenient hours and location

-the services you are looking for with low or no fees.

Before opening an account, think about the reasons why you are opening an

account.

-You will need two forms of identification to open an account: ID, social security card, birth certificate, etc.

-Most banks have a student bank account that has no minimum balance or annual fees.

Maintaining Your Account

-Know your balance

-Avoid ATM fees by using only your bank's ATMs

-Read your bank statements

Some banks have minimums to open and maintain an account. Know this amount and keep it in your account.

Page 23: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Credit Cards

• When shopping for a credit card, don't be fooled by companies that offer super-low interest rates or even "no interest" for a few months.

• Make sure the card company reports to at least two of the three credit score companies.

• Only use 30% of your credit limit.

• For example, if your credit limit is $1,000, you should only use $300 and pay off that $300 bill every month.

• Think before you make every purchase.

• First ask if the item is a need or want, if it's a want, put the card back in your wallet.

• Then, ask yourself if the purchase is worth the actual cost plus the accrued interest on your credit card balance.

• Always pay your balance in full. Just paying the minimum balance will get you nowhere. Between actual money spent and the accrued interest, that one credit card could take years to pay off.

• Paying your credit card bill in full every month will help you establish a good credit score that will help you in the future.

Know the difference

between “need and

“want”. A need is

something that is

necessary in your life

(food, clothing, place

to live). A want is

something that is not

necessary in your

life, but something

you would like to

have.

Page 24: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Credit Scores and Reports

A credit score sums up key pieces of your credit history in a number. Lenders use this number to determine how much of a financial risk you are and base your interest rate on that number.

Review your credit report at least once a year. You can do this by going to annualcreditreport.com

FICO scores are the most commonly used scores. They range from 300-850.

The Three main credit reporting companies are Equifax, Experian, and TransUnion.

Page 25: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

TIPS TO PROTECT

YOUR IDENTITY

Always shred or destroy your bank and credit card statments before throwing them away.

Only give out your social security number when absolutely necessary.

Never carry both your driver's license and social security card in your wallet.

Pick up mail promptly from your mailbox and never leave outgoing mail with paid bills in an unsecured mailbox.

Don't give out personal information on the phone, through mail, or on the internet unless you are positive who you are talking to.

Page 26: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Out on your own

Roommates:

Make sure every person is on the lease, make no

exceptions

Every person living with you

needs to pay the security deposit.

Always get renters

insurance.

Get your own medical

insurance.

Page 27: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Accrued interest-interest that has been earned but not received or recorded Appreciation-an increase in the value or price Asset-anything an individual or business owns that has commercial or

exchange value Auto debit-the deduction from a checking or savings account of funds that are automatically transferred to a creditor each month. Some lenders offer interest rate discounts if loan payments are set up on auto debit at the beginning of the loan.

Balance-the amount owed on a loan or credit card or the amount in a savings or investment account Bankruptcy-a legal proceeding declaring that an individual is unable to pay

debts. Budget-an itemized summary of probable income and expenses for a given period

Capital-cash or other resources accumulated and available for use in producing wealth Cash flow-money coming to an individual or business less money being paid

out during a given period Certificate of deposit (CD)- a type of saving account that earns a fixed interest rate over a specified period of time Collateral-assets pledged to secure a loan Compound interest-interest computed on the sum of the original principal and accrued interest Credit-the granting of money or something else of value in exchange for a promise of future payment Credit card-a plastic card from a financial services company that allows cardholders to buy goods and services on credit Credit report-a loan and bill payment history, kept by a credit reporting company and used by financial institutions and other potential creditors to determine the likelihood of future debt will be repaid. Credit reporting company-an organization that compiles credit information on individuals and businesses and makes it available for a fee Credit score-a number generated by a statistical model that objectively predicts the likelihood that a debt will be repaid on time Credit union-a cooperative organization that provides financial services to its members Creditor-a person, financial institution or other business that lends money

A

B

C

Page 28: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

Debit-charges to an account Debit card- a plastic card similar to a credit card that allows money to be withdrawn or the cost of purchases paid directly from the holder’s bank

account Debt-money owed, also known as liability Debt service-periodic payment of the principal and interest on a loan Deductible-the amount of loss paid by an insurance policyholder. The deductible may be expressed as a specified dollar amount or a percent of the claim amount Delinquency-the failure to make timely payments under a loan or other credit agreement Direct deposit-the electronic transfer of a payment from a company to an individual’s checking or savings account. Many employers offer direct deposit of paychecks

FICO score-a three digit number that determines the interest rate you will pay on your credit cards, car loan, and home mortgage. 401(k) plan-a tax deferred investment and saving plan that serves as a

personal retirement fund for employees

Inflation-a sustained increase in the prices of goods and services Insurance premium-the amount of money required for coverage under a specific insurance policy for a given period of time. Depending on the policy agreement,

the premium may be paid monthly, quarterly, semiannually or annually. Interest-a fee for the use of money over time. It is an expense to the borrower and revenue to the lender. Also, money earned on a savings account Interest rate-the percentage charged for a loan, usually a percentage of the amount lent. Also, the percentage paid on a savings account Investing-the act of using money to make more money Investor-an organization, corporation, individual or other entity that acquires an ownership position in an investment, assuming risk of loss in exchange for anticipated returns.

Liability-money an individual or organization owes, same as debt. Also, a kind of insurance for the policyholder’s legal obligation to pay for either bodily injury or property damage cause to another party.

Loan-a sum of money lent at interest

Management fee-the fee paid to a company for managing an investment portfolio

D

F

I

L

M

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Pretax-a person’s salary before state and federal income taxes are calculated

Prime rate-the lowest interest rate on bank loans, offered to preferred borrowers Principal-the unpaid balance on a loan, not including interest, the amount of

money invested

Return-the profit made on an investment Risk-the possibility of loss on an investment

Savings account-a service depository institutions offer whereby people can deposit their money for future use and earn interest Stockholder-a person who owns stock in a company and is eligible to share

in profits and losses, same as shareholder

Term-the period from when a loan is made until it is fully repaid Terms-provisions specified in a loan agreement

P

R S

T

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FAFSA

www.fafsa.ed.gov

The federal financial aid portal should be completed between January and March 1stof your

senior year. Once you and your parents have received all of your yearly income tax

information, you can start on your FAFSA. It is easy to complete if you have this information

handy:

Student and parents social security number

Dates of birth for students and parents

Parents month and year they were married

Parents’ checking and savings account balances

Parents’ worth of business and real estate (not home)

IRS Tax returns for students and parents

List of colleges you want the information sent to

Create a PIN for the student and the parent.

Once you have submitted your FAFSA, it will get sent to all of the colleges you indicate on

the portal. You will receive a Student Aid Report (SAR) in about 2 weeks. Shortly afterward,

you will receive information from the colleges your FAFSA was sent to regarding your

financial aid status with them.

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Who is this for?

Students who are not U.S. citizens,

U.S. legal permanent residents

Eligible non-citizens do not

qualify for federal financial

assistance to pay for college

TASFA

Eligibility

Must hold a visa that enables you to reside in the US, or you (or your parent, if you are a dependent) must be gainfully employed in Texas for at least 12 months.

You have petitioned for permanent residency status. Have resided in Texas for 3 years leading up to

graduation from high school OR GED, living at least part of that time with a parent/legal guardian.

Have not established a residence in another state and have not taken ANY college hours prior to fall 2001 that required admission to an institution of higher education. (This includes hours taken through dual enrollment while attending high school).

Facts

Application only available in paper form.

Must provide information about income and expenses.

Must submit a completed income tax form using an ITIN.

Available on January 1st of every year.

Where to get it

You can print a copy of the application

at www.collegefortexans.com.

You can also get the forms from your college advisor or

counselor, The Office of Admissions, or The Office of Student Financial Services.

Make sure you apply by the stated deadline,

or you will not be considered for priority

funding!!!!!

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References:

http://sat.collegeboard.org College Board/SAT website

http://www.act.org/ ACT website

Ellis, David B. (1994). “Becoming a Master Student: Tools, Techniques, Hints, Ideas, Illustrations, Examples, Methods,

Procedures, Processes, Skills, Resources, and Suggestions for Success”. Rapid City, SD

Resnick, William C. and Heller, David H. “On Your Own in College”. C. E. Merrill Pub. Co., 1969

National Association for college admissions counseling http://www.nacacnet.org

Department of Mathematics and Computer Science, SAINT LOUIS UNIVERSITY. Math Anxiety Worksheet

About College.Com http://collegeapps.about.com/od/collegelifeqa/tp/High-School-vs-College.htm

http://collegeapps.about.com/od/admissionstimeline/u/College-Preparation.htm

College for all Texans http://www.collegeforalltexans.com/

University of Texas at Austin http://bealonghorn.utexas.edu/docs/sample.resume.freshman.pdf

Orman, Suze. “The Money Book for the Young, Fabulous, and Broke.” 2nd ed. New York, New York: Penguin Group, 2007. Print. United States Consumer Financial Protection Bureau. “Your Money, Your Goals: A Financial Empowerment Toolkit for Social Services Programs” . 2013. Print. Eagle [Bryan ] "Your First Resume- Dos and Don'ts." 09 10 2013, B5. Print.)

Combs, S.. N.p.. Web. 4 Oct 2013. everychanceeverytexan.org/texasjobs/trends/jobtrends.php>.

Hoganson, M. “Considering College Types” NACAC. N.d. Web. 7 Oct 2013.

nacacnet.org/research/PublicationsResources/Marketplace/student/Pages/GuidingEducation.aspx>

Page 33: Education is not filling a pail but the lighting of a fire.” Center/Junior GO Center booklet.pdf~William Butler Yeats “Education is not filling a pail but the lighting of a fire.”

“I took a walk in the woods and came out taller than the trees.”

~Henry David Thoreau

Written and produced by:

DJ Hohertz, Rudder High School Lauren Cox, Bryan High School

Christianne Downey, MC Harris School