Reflection

Right now I'm not happy with my grades I had all A's and now I have all B's and one C. My GPA is a 2.8 and it was a 3.0 yesterday. This has never happened to me so I'm shocked right now. My difficult classes are Alegbra II and Human Bio. I need to make up work and turn it in ASAP bc I want to have a 3.0 I don't care about the field trip just my grades. I'm passing my classes but I still want to maintain a good grade.

4th Quarter

I'm excited about going to college and moving out, gaining my independence! What I'm nervous about is I'm not going to be with my parents anymore and that is gonna be a huge step. I'm gonna miss my family even if I'm not so far away. I'm also nervous about not liking where I'm going to live. I will never know unless I try so here goes nothing! I plan on finishing school strong!

Start of IOUSA

• The Federal Budget Deficit

 A budget deficit is when a country's government spends more than it takes in from taxes or other forms of revenue.

• The Savings Deficit

Citizens saving 

• The Trade Deficit

More import than export

• The Leadership Deficit

Gmc

“Sure, I’d Make That Bet”

1. Why did these banks pay such large bonuses in 2008? Sold the loans to aig free from obligations if the loan went bad.
2. What grade would you give the decision to award these bonuses? F because they were greedy and got bonuses for not doing the right thing.
3. Finally, how might the prospect of such large bonuses affect the behavior of employees? In theory, people have an incentive to perform well if they make more money when their contribution to their bank’s profits is greater. But what happens to the employees when the bank loses money or collapses? If the banks still pay bonuses, and employees know losses will be borne by investors and taxpayers, will they take on too much risk? The bonus makes the employees feel no obligations or guilt by ripping people off with bad loans. 

It’s Utterly Mad

1. Why might they have done this? To get money and know that it will a sure way to get it. They gave loans to people who weren't qualified and took there money and made them go into debt and pay even more money with interest.
2. Was it an innocent mistake, which surprised the banks and rating agencies as much as it surprised most investors? Or was it an intentional ruse, which generated phantom profits and bonuses, even as it sowed the seeds of financial destruction? I don't think it was a mistake someone just found a way to make money and they got greedy about it and went for it. I feel like this was planned bc it went on for so long, maybe it's a lot bigger then we thought it was. No one was stopping them, so who knows who else could of been involved that we don't know of.
3. How, exactly, was it “mad”? It was mad bc people who were doing that had no heart for those whose money they took. People just wanted to buy homes and have a nice life but instead they got a nasty surprise. It's also mad bc people knew things were wrong but oddly they just let it keep happening. Money was coming left and right and no one asked where did it all come from. The IRS should of been down there necks!  

Luck of the Irish

Saint Patrick's Day or the Feast of Saint Patrick (Irish: Lá Fhéile Pádraig, "the Day of the Festival of Patrick") is a cultural and religious holiday celebrated annually on 17 March, the death date of the most commonly-recognised patron saint of Ireland, Saint Patrick 

The Inside Job Pt. 1

What is a loan? When the bank on anyone lends you money but you have to pay it back in a certain amount of years with interest.
Do you know anyone who has borrowed money to buy a house?  Yes, my dad did when we had a home when I was in middle school.
Who lent them the money? The bank lent him money bc he had great credit.
Did the borrower have to make a down-payment? I believe he didn't bc he had such a great credit that they just gave it to him fast.

In addition, it is important to know that if a borrower has a bade credit history, as about 1 in 4 peoples do, then their loan is known as a "sub-prime" mortgage.  Why would a bank even consider making a sub-prime loan? Give a higher interest and they make more money then they loaned. 

Finance Park!

What did you find most interesting about this unit? This unit actually taught me a lot and I was able to get myself a debit card and understand how to use them. This was really a life lesson unit and I ejoyed learning about it all.
What are the 3 types of taxes that are collected and how is that money reinvested into our society and/or our governmennt.
Sales tax, property tax and income tax. They use it to resolve the budget debt, also goes to state and gov, 1% of the purchased value of the property per year which goes to your county and community. 

I would shop in Oregon and Canada bc they have no sales tax, Montana, Alaska, 

1.  In San Mateo County, how is the amount of property tax due each year determined? 
2.  If you were going on an all out shopping spree, which state(s) would you most want to be shopping in? If I could shop in any state I would shop in Oregon, Montana, Alaska, New Hamsphire, Delaware because it has no taxes.
3.  What, in your opinion, is the best use for income tax money that is collected?

The January 1 value established by the Assessor is multiplied by the tax rate (usually 1% plus voter approved indebtedness) then special charges are added. These special charges are added to the tax bill by local districts and cities, not by the Tax Collector. A sewer assessment is a typical special charge that is added to a tax bill.

The Simple Post!

http://writehere.com/post/140309-10/experience-in-dating-chavs-never-ever-do-it
The blog that I found was about relationships :) it's cute and talks about how a girl is trying to find the one. I relate to this and I think all girls do because were are trying to find the right guy. She shares her story and gives a lot if insight which I like. It makes me think of my exes and past relationships. This is a really cute blog and I only read half of it but it got me from the start. My weekend was pretty relaxing I just worked and went to the beach and to twin peaks of Saturday and Sunday I went home after work and enjoy the rest of my Sunday at home and they shop a little and talk with my bf. my weekend was simple but enjoyable :)

THE STOCK MARKET!!!

• 15/16

#1 Berkshire Hathaway (BRK-A)

Lisa Du with www.flickr.com

Price: $121,049.00

Market Cap: $199.77 billion

Industry: Property and Casualty Insurance

 The pros of investing in stocks in being able to make money, grow money over time. You help the economy. You own a piece of a company, sense of ownership. The con is you can risk your investment and lose it all. Having to monitor the company and stock so you won't lose money.

Read more: http://www.businessinsider.com/the-10-most-expensive-single-shares-in-the-us-right-now-2012-3?op=1#ixzz2v6vWE7KX