Tuesday, 15 May 2018

Planning 10 - Lesson #29 - THE LAST ONE!!!

LESSON #29 - Budgeting  (Your Very Last Assignment)

Planning for your financial future is important - it will allow you to achieve your financial goals - Wishing for stuff is not going to get you what you want - hard work and planning will.  Watch the following video to understand what it means to budget.

Budgeting 101


Come up with a thorough list of all the things you would need to take into account if you were creating a budget for yourself (living on your own or away from your parents).

Your list should include all the things that would be categorized as "Fixed Expenses" and "Flexible Expenses".

Submit your assignment by:
  • sharing it with me on Office 365
  • by placing a hard copy in the Planning 10 folder

Monday, 14 May 2018

Planning 10 - Lesson #28

Lesson #28 - Credit and Debt

Borrowing money is something that almost all of us will do in our lifetime.  We may need to borrow money to buy a car, go on to post-secondary education, buy a house, etc.

One of the most common types of "loans" comes in the form of a Credit Card.  A CREDIT card is different from a DEBIT card in several ways.  Watch the link below to understand this difference.

Credit Cards vs. Debit Cards

Banks and Credit card companies are keen to loan money because along with the loan comes an extra charge called INTEREST.  Interest is extra money in addition to what you have borrowed ... that is how the bank or credit card company continues to stay in business and make money.  Mom and Dad may be willing to lend you money without charging interest, but a business will not.  The RATE of interest charged on bank loans (used for car, schooling, etc.), mortgages ( used for houses) and credit cards can vary significantly.

It's important that when you do decide to borrow money that you have a plan to pay back.   And, usually the faster you can pay it back the less it will end up costing you.

Where people often get into trouble with CREDIT cards is they spend and spend without thought of how they will be paying this money back.  This can be a very costly mistake.  Watch the video at the link below to understand the negative consequences of using a credit card and NOT paying it off each month.  Not only can credit cards be incredibly costly, they can also limit your ability to borrow money in the future, if not used responsibly.

Credit Card debt using a glass of water


Complete the worksheet found at the link below.

Credit and Debt Worksheet

Submit your assignment;
  • by sharing it with me on Office 365 OR
  • placing a hard copy in the Planning 10 folder in the office

Planning 10 - Lesson #27

Lesson #27 - The Importance of being Financially Literate

The next few lessons will focus on $$MONEY$$ - to help you make smarter life decisions when it comes to your "now" and your future.  Watch the following video found at the link below to see the difference that being financially responsible can make to your future.  (Sorry, it's an American video but contains relevant info to us Canadians too :)

Financial Literacy 101


Create a chart of financially RESPONSIBLE / IRRESPONSIBLE actions (at least 5 of each, suggested in the video) that a person can take that will lead to financial SUCCESS / RUIN.
(5 things that Penny Earned did that demonstrated financial responsibility and 5 things that Bill Owed did that demonstrated a lack of financial responsibility.)

Submit your assignment;

  • by sharing it with me on Office 365 OR
  • placing a hard copy in the Planning 10 folder in the office

Tuesday, 10 April 2018

Planning 10 - Lesson #26

Lesson #26 - Workplace Safety

Obviously, some jobs carry a higher risk to health than others, however, all work places must make the work environment as safe as possible for its employees.  To learn about the roles, responsibilities and rights that employers and employees have, click the link below.

Worksafe BC - Rights and Responsibilities

Read the information found under the "Employer" section as well as the "Worker" section.

Watch the following video by Worksafe BC that documents a terrible, but avoidable accident at work (just to warn you --- there are some very graphic scenes).

The Matthew Bowcott Story

ASSIGNMENT  (10 marks)

Write a paragraph that answers the following two questions using the information found under the Worksafe BC - Rights and Responsibilities (Employers and Workers sections);

1.   What mistakes were made by Matthew's employers, that could have reduced the chance of this accident happening?

2.  What mistakes did Matthew make that could have reduced the chance of this accident happening?

Submit your assignment;

  • by sharing it with me on Office 365 OR
  • placing a hard copy in the Planning 10 folder in the office

Sunday, 8 April 2018

Planning 10 - Lesson #25

Lesson #25 - Workplace Standards

Yahoo!!! - you've gotten the job.  As an employee what rights and responsibilities do you have?  What are your employer's rights and responsibilities?  In this lesson we will focus on the Employment Standards Act of BC and also look at common behavioural expectations that employers have of employees in a workplace setting.  In Lesson #26, we will look at employee/employer rights and responsibilities in terms of Workplace Safety.

Part A - Employment Standards
Check out the following video to help you understand what the Employment Standards Act of BC is and the standards that it sets out for employers and employees.

Top 10 Things Employers Should Know

Now watch the following TWO videos and read the fact sheet in order to better understand  Employer/Employee rights... you will need to complete a quiz on this information as part of your assignment.

Termination of Employment
Hours of Work and Overtime

Part B - Behavioural Expectations of Employees
It is important for you, as an employee, to present yourself in an appropriate manner while at work.  The link below describes behaviours that will either contribute to your success or failure at a job.  They are behaviours that will either impress or disappoint your employer.  To some of you, they may seem small or insignificant but they make a BIG difference in the world of work.

Canadian Workplace Culture

The following video (made specifically for hotel service workers) demonstrates some good examples of poor workplace behaviour (in any job).

Front Desk First Impressions

ASSIGNMENT 20 marks (10 each)

A.  Complete the quiz located at the link below (you must get at least 9/12 to pass)

BC Workplace Standards Quiz

B.  Using examples from "Canadian Workplace Culture" and the "Front Desk First Impressions" Video, create a written scenario that demonstrates poor workplace behaviour using the worksheet found at the link below.

Poor Workplace Behaviours

Please submit your assignment by either;

  • Sharing it with me on Office 365 or
  • Placing it in the Planning 10 folder in the office

Friday, 23 February 2018

Planning 10 - Lesson #24

Lesson #24 - Interview Skills

You've approached some businesses, handed out resumes and cover letters and now you've been contacted to come for an interview.  You're one step closer to getting a job.  Now you have to make a good impression at the interview.  Preparation is important.  Spend some time thinking about the questions you may be asked and put together some well thought out answers.  If you have an idea of what to expect, you'll feel more confident going into the interview and likely, do a better job at presenting yourself.

ASSIGNMENT (20 marks)

Here is a list of commonly asked questions at an interview.

Common Interview Questions

1.  Choose 5 questions from the list of "Common Interview Questions" and answer them as you would in an interview.  You may choose to write up your answers and submit them or video yourself answering the questions.  ***If you choose to video yourself, please ensure that I am able to receive the video through Office 365 OR email it to me at khoshizaki@sd19.bc.ca OR put it on a memory stick (with your name attached) and place it in my hands or in the folder at the office.

The following is a list of things you should NEVER do in an interview.

Poor Interview Behaviours

2.  Choose 5 of these "never do" interview behaviours and for each one, describe WHY this wouldn't be appropriate  --- what concerns might a potential employer have about you if you were to behave this way?

Submit your assignment by;

  • placing a hard copy in the Planning 10 folder in the office OR
  • sharing it with me on Office 365

Planning 10 - Lesson #23

Lesson #23 - Creating a Cover Letter

A COVER LETTER is a letter that accompanies your resume.  It's your opportunity to promote yourself and set you apart from other applicants --- to allow your personality to shine through (whereas your resume is more objective and impersonal.)

 A few guidelines when writing a cover letter:
  • Keep it to one page
  • Convey a confident, genuine, positive and enthusiastic attitude.
  • Tailor it to the position - focus on three personal qualities that make you an excellent candidate for the job.
  • Ensure there are no spelling or grammatical errors.
  • Type and format the letter correctly (use full block letter style, as shown in examples.)  This is the format you should use with any formal letter (including any scholarship letters you may write in the future.)
  • Whenever possible, address the letter to a specific person (and make sure you spell their name correctly).  If you don't know the specific name of the person, use "To Whom it May Concern".
  • If you provide a hard copy of the letter to your potential employer, ensure that you have signed the bottom (between the salutation and your typed name.)

Your cover letter should consist of three paragraphs;

First Paragraph:  State the reason for your letter and the position you are applying for.  Where did you hear about the job and why are you interested in the position?

Second Paragraph:  This paragraph answers the question:  "Why should I hire you?"  Highlight the most relevant skills, knowledge and experience that are applicable to the position.  When possible, include some of your own research about the company or organization.

Third Paragraph:  Thank the employer for their time and consideration.  State that you are looking forward to hearing from them.

Examples of cover letters:

Cover Letter Example 1

Cover Letter Example 2

ASSIGNMENT (15 marks)

Create a COVER LETTER that you could include as part of your application for ONE of the examples of job postings at the following links;

Job Posting Example 1     Domino's Pizza
Job Posting Example 2     Canadian Tire
Job Posting Example 3     Thrifty's Foods

Please submit your assignment;
  • by placing a hard copy in the Planning 10 folder in the office OR
  • sharing it with me on Office 365