Social Issues by George Pepia

Do Now 10/02/2025

gpepia — 2025-10-02 11:56:39 UTC

“If a friend or family member asked you for money, but giving it to them would make it harder for you to save, would you still give it to them?” (Answer in 3-4 full sentences)

Do Now 10/2/25

2025-10-02 15:09:44 UTC

No I would not give them money because I would save my money and use that money in the future just in case I need to use it.

yes I would give my family the cash even though it would be hard to save I know that they would pay it back to me eventually

2025-10-02 15:10:27 UTC

zianah

2025-10-02 15:19:04 UTC

yes it is really hard to save money because I have a lot of siblings and nieces nephews and a mom and yes I would still give it to them

Financial literacy

2025-10-02 15:52:04 UTC

Yea i would give them some but i would let them know theey owe me

If my family ask for money I would give it to them even if its hard for me to save

2025-10-02 15:54:15 UTC

2025-10-02 15:56:20 UTC

No I will not give them it because what if I need the money for something

Do Now 10/06/2025

gpepia — 2025-10-06 15:10:55 UTC

Would you consider opening a credit card account? What would you buy if you did? ANSWER IN 3-4 FULL SENTENCES.

Do Now 10/6/2025

2025-10-06 16:06:08 UTC

Yes I would recommend opening a credit card account. So i would use the money for stuff like groceries

Santavia Matthews

2025-10-06 16:10:15 UTC

I will open up a credit card account i would use my cc to buy small things like food and shoes and cleaning things . also I will save some money on my credit card for a house and things that I need for my house and things for my family .

Do Now 10/6/25

2025-10-06 16:29:47 UTC

Yes I would get a credit card. I would use the credit card to buy groceries. the reason why I use a credit card are for the rent. This can help me build my credit.

Mr George (Exemplar)

gpepia — 2025-10-06 16:35:26 UTC

I would open up a credit card account. I would use this credit card to make small purchases, like gas and food. I would make sure to pay off my balance at the end of each month.

Jefferson Lala

2221776_1 — 2025-10-06 16:44:24 UTC

Having a good credit score is important for future financial investments, such as renting an apartment or buying a car.

If I had a credit card, I would use it for small, essential purchases, like gas for the car or textbooks for school. These are expenses I already have, so using a credit card and paying it off right away would be a good way to manage my expenses.

Do now 10/6/25

2221776_1 — 2025-10-06 16:49:15 UTC

I would make sure to pay off the balance in full each month to avoid interest charges and maintain a good credit history. This would help me learn how to manage credit effectively.

Isaiah Jackson

2025-10-06 17:00:36 UTC

Yes I would because as a large language model, Google Search is unable to open a credit card account or make purchases, as it does not have a financial capacity or the ability

What is a Credit Card

gpepia — 2025-10-07 14:52:13 UTC

What is a credit card

Do Now 10/7/25

2025-10-07 14:56:35 UTC

A credit card is a card where you put money in it or when you borrow money you will put that borrowed money onto the credit card just in case when you wanna buy groceries, pay rent, or buy furniture and a credit card can be useful for your future needs, it could raise your credit scores.

A credit card is meant for small purchases that you can easily pay off it's not meant for big purchases because you never know if you cannot pay it off and your credit score will go down if you do not it's is also a car that the bank gives you they lend you their money so you can use it and if you do not pay it back your credit score goes then if you pay it back on time then the credit score goes up it's a simple

2025-10-07 15:03:41 UTC

justin

2025-10-07 15:10:50 UTC

Credit card it's something what's linked to a bank not your specifically but some type of bank but you have 20K as a limit and you must pay it with all 20K is done number two a credit card is mostly used for smaller buys but a debit card is mostly bigger buys number three and if you need to get money from a credit card either you could borrow buddy from a bank or just yours but if you borrow you will have to pay it back

zianah

2025-10-07 15:14:10 UTC

a credit card is when you borrow money from the bank money that you don't have that you need to get what you want at the time you want

Queen maya

2025-10-07 15:31:00 UTC

A credit card is something people use to buy things online

Isaiah Jackson

2025-10-07 15:31:57 UTC

A credit card is a payment card issued by a bank or financial institution that allows you to borrow money to make purchases, with the expectation of paying back the borrowed amount, plus any applicable interest, on a monthly basis. It functions as a revolving line of credit, meaning you can use it repeatedly up to a set credit limit. Credit cards are different from debit cards, which draw directly from your bank account.

credit card

2025-10-07 15:36:20 UTC

A credit card is a card that is giving to you by your bank and you can spend over your limits.When you pay your card on time you get a high credit score.When you have a high enough credit score you can by a house.

Credit cards are a type of payment card that lets you borrow money from a bank or credit card company. You can use that borrowed money to buy things at stores, restaurants, and other places that accept credit cards as payment.

2210531_8 — 2025-10-07 15:39:38 UTC

Mr Pepia (Exemplar)

gpepia — 2025-10-08 12:04:32 UTC

I would consider opening up a credit card account. Even though there is some risk, having a line of credit can help me get loans for stuff I would like to buy in the future. I would make sure to pay off my balance each month to avoid added interest.

Do Now 10/08/2025

gpepia — 2025-10-08 12:07:53 UTC

Do you agree or disagree: “Credit cards are dangerous for young people.” Support your answer with an example.

WRITING RUBRIC

gpepia — 2025-10-08 14:30:04 UTC

Do Now 10/8/25

2025-10-08 16:06:07 UTC

Credit cards are not inherently dangerous for young people. But credit cards may risk young people, They can get into so much debt, and they may get scammed for buying fake items that are not even real. If people saw a young person with a credit card there is a high chance that they will robbed them and steal their credit cards.

yes I do think that credit cards are bad in young people's hands because they don't know how to use them they're not that responsible and on top of that they may not know how they work so they may end up in a lot of credit card debt or their credit score may go down a lot and it may take a long time for it to go up resulting in the bank lending you money

2025-10-08 16:08:53 UTC

zianah hawkins

2025-10-08 16:09:38 UTC

I disagree I feel like young people need credit card so that if they want something they will not have to ask they parents they can buy it they self then they can pay the money back when they get they job.

2025-10-08 16:11:04 UTC

Do I personally think credit cards are bad personally yes for like a younger group cuz what about like it can increase scamming or like copy other credit card and stuff or like what about blank credit cards but if you teach you younger group about credit card and and tell them one sentence how to use them right I personally think they would know how to use them better and how about we try to reduce the scamming

Queen exume

2025-10-08 16:58:48 UTC

I feel like if you know how to spend or budget, you can do anything. And you should have an adult helping you and guiding you.

Do Now: 10/09/2025 What are the bests ways to save a LARGE amount of money? Think about what we learned the past month.

gpepia — 2025-10-09 12:37:10 UTC

Do Now 10/9/25

2025-10-09 16:07:32 UTC

The best way to save a large amount of money is to try not shopping too much if you shop too much all that money you have might drain faster, so it's best to not try shopping too much, Another way to save large money is to put your savings in a banking account, Banking accounts are useful items where you put your savings money on the card and it makes saving money easier.

maddison matthews

2025-10-09 16:10:11 UTC

The best way to save a large amount of money for something you need for your family and friend and for food for the house and to pay bills.

To put half of your money in the bank .Or in a high interest savings account so then you can have more of it later .Or you can the budget your money more tightly so then you can have more of it for the things that you really want or save it for emergencies Etc.

2025-10-09 16:11:00 UTC

zianah hawkins

2025-10-09 16:11:31 UTC

to get a saving account and put the money that your going to save for example I can have 1000 and I have to save some money so I take 500 probably out of the 1000 so I can have money left over

2025-10-09 16:17:21 UTC

If I have a lot of cash i would put it in a safe under a restaurant at cash Lottery

Isaiah Jackson

2025-10-09 16:39:20 UTC

To save a large amount of money is set a budget set clear savings goals, and pay down high-interest debt like credit cards. To cut ongoing expenses, reduce or cancel subscriptions.

Queen exume

2025-10-09 16:39:36 UTC

You can make a savings account. You can make compound interest. And start building your being responsible with your money

2025-10-09 16:40:22 UTC

If I had to save a large amount of money I would probably put it in a bank.Because its easier and safer.I would also put it in a bank because the longer you keep your money in a bank you will get compound interest.

Do Now: If you have a $1000 Credit Card limit, is it wise to spend $700?

gpepia — 2025-10-10 15:59:30 UTC

10/10/25

2025-10-10 16:04:18 UTC

No it is not a wise choice to spend $700 if I have $1000 dollars. Instead I would save the $1000 and spend on wisely on food, rent or bills, and if I have left over money I would save it or buy like a $5 or $10 dollar item and save the rest for something important.

Queen exume

2025-10-10 16:39:30 UTC

i would not spend a 700 all at once because im going to have to pay the bank back 700 back.But i will spend around 100.

Do now: 10/10/25

2221776_1 — 2025-10-10 16:40:12 UTC

Spending $700 on a credit card with a $1000 limit means utilizing 70% of the available credit. Credit utilization is a crucial factor in determining your credit score. Ideally, it's best to keep your credit utilization below 30% to demonstrate responsible credit management.

Isaiah Jackson

2025-10-10 16:41:00 UTC

yes, because what if you needed something and you have enough to get it now you have the money you could get it

Bank $1000

2025-10-10 16:46:45 UTC

If I had $1000 i would not spent $700.That's because that $1000 is not your money.Spending money that not yours that fast is not good.

Fixed savings accounts offer the top rates, though you can't access your cash. Here you lock up your money for a set period, typically between six months and seven years. You get a guaranteed rate of return, though you're unable to access any of the money until the account matures.

2210531_8 — 2025-10-10 16:59:37 UTC

Why is it important to start budgeting as young as possible?

gpepia — 2025-10-14 13:51:53 UTC

10/14/25

2025-10-14 15:10:07 UTC

It is important to start budgeting young as budgeting is a way to track your money where is it going to to ensure your living with your means, and save money for your future goals.

Santavia Matthews

2025-10-14 15:10:54 UTC

starting to budget at a young age is important because it establishes a strong foundation for financial success and independence later in life .

Budgeting

2025-10-14 15:52:36 UTC

It is important to start budgeting at a young age, so when you reach a certain age, you can actually get your own money, you know what to do.

isaiah jackson

2025-10-14 15:53:26 UTC

Its important to start a budget at a young age because you could build up skills like financial discipline, help you in the future like debt and overspending

DO now:10/14/25

2221776_1 — 2025-10-14 15:55:27 UTC

Starting to budget early helps you develop financial literacy. This includes understanding how to track income and expenses, set financial goals, and make informed decisions about spending and saving. These skills are crucial for long-term financial success.

budgeting

2211461_1 — 2025-10-14 15:56:17 UTC

Its very important to start budgeting at a young age because it teaches you important like skills.One of the reasons is budgeting helps you with paying out all your bills on time.Another reasons is it can help you save for something you might really want in the future,like a car or a house.

starting to budget at a young age is important because it establishes a strong foundation or financial success

2210531_8 — 2025-10-14 17:38:35 UTC

Do Now: 10/15/2025

gpepia — 2025-10-15 13:39:02 UTC

Do you think it is fair that taxes are taken out of your paycheck?

10/15/25

2025-10-15 15:06:42 UTC

No I don't think it's not fair that taxes should take my money off my paycheck with that paycheck I need it for my means and living expenses and they should not take people's money off of there paycheck because working hard for that money and taxes take it all out would mean that all that hard earning we did was just for nothing.

I guess I do think that's it fair that the government takes taxes from your check cuz they use it in a lot of ways that helps you but if they take too much that is when it starts to get unfair and i feel like a system where it evenly takes money from you every year would be nice but of course the billionaires have to get taxed double cuz they have the money to get tax double .

2025-10-15 15:08:20 UTC

Shawn williams Ahhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh you useless goddess

maddison

2025-10-15 15:09:51 UTC

I don't think it is fair that taxes are taken out of I paycheck because how we going to eat and pay bills and get thing we need in life.

2025-10-15 15:10:14 UTC

No I do not think is fair to take taxes out of your paycheck bc what if you need your money for anything like food and stuff important that you need for your house .

2025-10-15 15:16:10 UTC

I personally think tax is the worse to thing to come out of America especially they need to all the money they owe to people and TAX THE RICH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

taxes

2025-10-15 15:56:51 UTC

I feel like it's fair because we get it back at the end of the year, and if we don't pay taxes, we will be in tax fraud. And it's funded by the state

isaiah Jackson

2025-10-15 15:57:23 UTC

No, because people need their whole paycheck so that they could handle their business. If they have kids they could buy them food, drinks, clothes. And they could take care of themselves.

Should we pay taxes

2211461_1 — 2025-10-15 16:00:07 UTC

I actually do think its fair.When the government takes taxes off your paycheck its usually for funding.These funding go to stuff like the police department and schools. In conclusion taxes are very beneficial to keep the community up and running.

Do Now :10/15/25

2221776_1 — 2025-10-15 16:02:40 UTC

Taxes fund essential public services that benefit everyone. These services include infrastructure like roads and bridges, public education, and national defense. Without taxes, these crucial services would be severely underfunded or non-existent, negatively impacting society

Why do you think it is important to pay taxes?

gpepia — 2025-10-21 12:02:54 UTC

WRITING RUBRIC

gpepia — 2025-10-21 12:03:08 UTC

maddison mattison

2025-10-21 15:07:20 UTC

Paying taxes is important because they fund essential public services, support economic growth, and contribute to the maintenance of a functional and orderly society. This revenue is collected at federal, state, and local levels and is used to pay for a wide range of programs that benefit the public.

maddison matthews

2025-10-21 15:08:26 UTC

Do Now 10/21/25

2025-10-21 15:09:23 UTC

Paying taxes is important because it's a crucial civic duty that funds essential public services, strengthens the economy, and maintains the framework of a functional society.

2025-10-21 15:11:04 UTC

Because it is the primary way that governments fund essential public services, infrastructure ,and social programs that benefit the entire society

Why do I think it's important to pay taxes because it helps fixes Road makes free education and helps protect our country and our borders and our allies it fund space programs for the future to just in case Earth go south. and for public parks to repair highways and roads and for orphanages with kids that have no homes.

2025-10-21 15:11:24 UTC

Do now:10/21/25

2221776_1 — 2025-10-21 15:52:20 UTC

Paying taxes is essential to fund public services and infrastructure that benefit everyone

2025-10-21 15:53:35 UTC

It is important to pay taxes so we don't get into tax fraud.

Taxes

2211461_1 — 2025-10-21 16:00:18 UTC

I think it's important to pay taxes.When you pay taxes your money goes to stuff like schools,rods,public parks, library and police stations.

Isaiah Jackson

2025-10-21 16:02:24 UTC

It is important because it can support economic growth and they can fund essential public services, pay for a wide range of programs that benefit the public services.

Take out your vocab sheet and get ready for the Quiz

gpepia — 2025-10-22 14:56:17 UTC

Should people pay property tax if they already own the land?

gpepia — 2025-10-23 13:55:14 UTC

WRITING RUBRIC

gpepia — 2025-10-23 13:55:23 UTC

10/23/25

2025-10-23 15:11:20 UTC

Yes it is important to pay property taxes for example if you have a phone and it's your property you still have to pay the bill for the phone and the house you own and live in you have to pay and own the owners of the house and pay bills.

house taxes

2211461_1 — 2025-10-23 15:54:40 UTC

I do not think its fair because we already have to pay taxes for so many other things. groceries and everything you by.So in my opinion I don't think we should pay taxes on the house we already bought.

2210531_8 — 2025-10-23 16:16:13 UTC

I think they should not pay property tax because I believe so, and people.

Should everyone be taxed the same? Or if you make more money, should you be taxed more?

gpepia — 2025-10-24 11:55:38 UTC

WRITING RUBRIC

gpepia — 2025-10-24 11:55:44 UTC

Should you be responsible for knowing how much in taxes you should be giving to the government each year?

gpepia — 2025-10-27 12:12:02 UTC

WRITING RUBRIC

gpepia — 2025-10-27 12:12:06 UTC

10/27/25

2025-10-27 15:08:36 UTC

Yes i would be responsible to give my money to the government each year because if the government takes my money they would use that money for healthcare, education, fund public service, and infrastructure.

maddison

2025-10-27 15:11:50 UTC

you should pay your taxes because if you don't you can go to jail and that's not good I will always make sure I pay my taxes because I don't want to be in jail for not paying my taxes.

SOS

2025-10-27 15:13:20 UTC

I think that the government should take the money that they need not how much they want to take out of the money that you get be able to calculate how much money they need to take and to leave you with more than enough for yourself your hobbies and anything else I would like to be like activities. to do this they must tax the billionaires and we cannot let them get laid with tax fraud they own more than 30% of the US and put together all their money is worth $13 trillion we have to start taxing them a bit more higher and sometimes stop them from raising their prices

WRITING RUBRIC

gpepia — 2025-10-28 11:04:51 UTC

Should you have to pay State Income Tax if you are already paying Federal Income tax?

gpepia — 2025-10-28 11:07:04 UTC

Would you rather have a high paying job you hate, or a low paying job you love?

gpepia — 2025-11-04 12:47:20 UTC

WRITING RUBRIC

gpepia — 2025-11-04 12:47:27 UTC

What are types of Taxes you think are useless?

gpepia — 2025-11-05 16:48:51 UTC

Do now

2221776_1 — 2025-11-05 16:59:21 UTC

A tax is one that does not provide significant benefits to the state or society, whether due to low revenue collection, difficulty of control, lack of impact, or the generation of distortions. Therefore, modern tax systems tend to eliminate or reform these types of taxes to improve the efficiency and fairness of the tax system.

Taxes

2025-11-05 17:00:52 UTC

There is no specific tax that is universally considered "useless,"

Question: What are three things you’d want in a future job besides money?

gpepia — 2025-11-12 15:15:10 UTC

I want to be able to really enjoy it and get off the job at a reasonable time and I just have work friends to

2025-11-12 17:06:55 UTC

11/12/25

2025-11-12 17:07:38 UTC

The three things I want for a future job is nothing.

maddison

2025-11-12 17:08:11 UTC

I want in a future is make I stay home for the hoilday and stay with my family at home and have fun on the hoilday.

Three jobs i would want to do besides the money 1th mechaic 2th pilots 3th private driver

2025-11-12 17:14:18 UTC

Queen

2025-11-12 17:38:29 UTC

stability

good management

i want to be welcomed

What are three things you’d want in a future job besides money?

2025-11-12 17:41:37 UTC

professional growth opportunities, a positive company culture .

11/12/25

2025-11-12 17:41:59 UTC

I want to be able to be happy

a flexible schedule

A happy environment.

Do now:

2221776_1 — 2025-11-12 17:42:38 UTC

In addition to money I seek a work-life balance opportunities for professional growth and genuine appreciation and recognition in a future job.

Why does it matter that you enjoy what you do for a living?

gpepia — 2025-11-17 16:01:33 UTC

11/17/25

2025-11-17 16:06:30 UTC

it's important to do things you enjoy the most. Because it can make you happy for doing something you enjoy and it can benefit your life and make your life enjoyable.

NWR-Jonah-CO

2025-11-17 16:10:32 UTC

Because if you don't then you're not going to pay as much effort as you would if you actually enjoy your job and a certain jobs you can actually end up ruining people's lives and maybe even worser for yourself and you're probably going to be doing that job before the rest of your life so you need to make sure that you actually enjoy it and it pays well

Why does it matter that you enjoy what you do for a living?

2210531_8 — 2025-11-17 17:09:07 UTC

In essence, a career that brings enjoyment is not just about professional success; it's about leading a healthier, more balanced, and ultimately happier life

Think about your Career choice-- do you think AI can ever replace you?

gpepia — 2025-11-19 13:28:14 UTC

11/19/25

2025-11-19 16:09:18 UTC

No Ai can not replace me from working my career though by 2030 Ai would take over jobs like banks, cashiers, Data entry clerks, and bookkeepers. but I don't don't think a can replace vets and doctors.

What are the benefits of opening up a Bank account?

gpepia — 2025-11-20 12:43:46 UTC

11/20/25

2025-11-20 16:05:24 UTC

Opening a bank account offers advantages such as safety and security for your money, convenient access through ATMs, debit cards, and online banking, and ease of managing finances by simplifying bill payments and tracking spending. It also allows you to receive direct deposits, build a financial history, and may provide access to other financial products like loans.

zianah

2025-11-20 16:09:38 UTC

safety, convenience, and financial tools by securely storing your money and offering easy access through debit cards, ATMs, and online banking

santavia matthews

2025-11-20 16:15:12 UTC

Class Discussion: Is the Bank ALWAYS the best place to have your money grow?

gpepia — 2025-11-24 13:26:33 UTC

WRITING RUBRIC

gpepia — 2025-11-24 13:26:38 UTC

11/24/25

2025-11-24 16:03:20 UTC

No banks are not always the best place to have your money grow if your goal is long-term wealth accumulation. While bank accounts are excellent for safety and short-term liquidity, they typically offer lower returns compared to other investment options.

2025-11-24 16:06:45 UTC

yes

maddison

2025-11-24 16:08:38 UTC

the bank is the best place to grow your money because you can always call the bank to see how much money you have.

2025-11-24 16:53:34 UTC

I think keeping your money in a bank is really helpful because the longer you keep your money in the bank your money grows every year.

Is the Bank ALWAYS the best place to have your money grow?

2210531_8 — 2025-11-24 17:13:42 UTC

Use a bank for the money you need for immediate expenses and emergencies.

What are the things you should look at before opening a bank account for long term saving?

gpepia — 2025-11-25 16:02:40 UTC

To make sure the interest is worth your time and to make sure you are putting your money in the right place for it to grow .Before opening a long-term savings account, you should compare interest rates, look for accounts with low or no monthly fees and minimum balance requirements, and ensure the bank is FDIC or NCUA-insured. Consider the account's accessibility, including fee-free ATMs and convenient online or mobile banking options, and whether you will need to make frequent withdrawals. 🇲🇽

2025-11-25 16:06:15 UTC

2025-11-25 16:54:28 UTC

You should look into the background of the bank.

The historic term "Cash is King" is used a lot when referring to shopping. Do you think this is still true in the modern day?

gpepia — 2025-12-01 12:57:30 UTC

Think about how many times you use cash. Do you use your debit/Credit Card more often?

WRITING RUBRIC

gpepia — 2025-12-01 12:57:37 UTC

Would you rather have a Credit Card or a Debit Card? Think of ways to use both.

gpepia — 2025-12-02 14:54:27 UTC

Do now:12/02/25

2221776_1 — 2025-12-02 16:58:31 UTC

I would use a credit card to make purchases online or in physical stores, pay for services, make reservations, withdraw cash from ATMs, and finance expenses in installments.

2025-12-02 17:01:40 UTC

I rather have a credit card because not only do you get to built your credit.

Would you rather have a Credit Card or a Debit Card? Think of ways to use both.

2210531_8 — 2025-12-02 17:03:30 UTC

It's not credit that you follow from the bank and how to pay back later, and I would rather be spending my money than somewhere else's money and I have to pay back later, and I might not have the money later.

What is CC interest, and how does it impact your money?

gpepia — 2025-12-03 15:59:00 UTC

2025-12-03 16:14:56 UTC

interest is the cost of borrowing money from a card issuer, expressed as an annual percentage Rate (APR), and is charged when you don't pay your full statement balance by the due date

Do now:12/03/25

2221776_1 — 2025-12-03 16:55:36 UTC

Credit card interest affects your money by increasing the total amount owed, as interest charges are added to your debt and can cause balances to rise rapidly due to compound interest if the full amount isn't paid each month. This cost is usually expressed as an Annual Percentage Rate (APR).

What is CC interest, and how does it impact your money?

2210531_8 — 2025-12-03 16:58:35 UTC

The interest rate is typically advertised as an APR. While it is an annual rate, it is used to calculate a daily interest charge, which is added to your balance if you don't pay it in full each month.

If you want to save money in a bank, what should you consider?

gpepia — 2025-12-04 16:03:17 UTC

maddison

2025-12-04 16:14:28 UTC

if you want to save money in the bank you should put money to the side and put the other money to the side.

Do now: 12/04/25

2221776_1 — 2025-12-04 16:54:47 UTC

Saving money in a bank involves several key considerations to ensure your funds are secure and grow effectively. Banks offer various savings options, each with different features and benefits. Understanding these factors will help you make informed decisions.

If you want to save money in a bank, what should you consider?

2210531_8 — 2025-12-04 17:17:21 UTC

To save money in a bank, consider your savings goals, the account's interest rate and fees, and whether you need easy access to your money.

Would you rather work HOURLY or for a SALARY. Define both and explain which you would rather choice.

gpepia — 2025-12-05 16:45:41 UTC

Stageline Tunis

2025-12-05 17:00:51 UTC

I would rather have a salary job.When you have a salary job you tend to get treated better and you get a contract.When you have a contract its not as easy to get fired.

What is “direct deposit”? Write what you think it is used for.

gpepia — 2025-12-08 13:25:45 UTC

08/12/25

2025-12-08 16:53:37 UTC

direct deposit is an electronic transfer of money directly into a bank account, often used for payroll, government payments, and recurring bills

2025-12-08 16:53:57 UTC

2025-12-08 17:01:15 UTC

Direct deposit is the electronic transfer of funds directly from a payer's bank account to a recipient's bank account.

When it comes to saving, why is it better to start as EARLY as possible?

gpepia — 2025-12-09 14:08:15 UTC

WRITING RUBRIC

gpepia — 2025-12-09 14:08:21 UTC

2025-12-09 15:58:55 UTC

Write a paragraph response: Why is it important to start saving early? What type of bank account would be best for this?

gpepia — 2025-12-09 16:26:47 UTC

Would you rather have $5 Million dollars now OR 1 penny that doubled in value every second for five days? Why?

gpepia — 2025-12-10 13:16:39 UTC

2025-12-10 16:12:15 UTC

I will pick $5 million dollars because I can save money

Do now:12/10/25

2221776_1 — 2025-12-10 16:53:36 UTC

the penny that doubles in value every second for five days, because the exponential growth will far exceed $5 million.

What causes a stock to grow in size?

gpepia — 2025-12-11 13:08:08 UTC

2025-12-11 17:00:21 UTC

Over time, reinvesting profits for further expansion can lead to exponential growth in value.

Would you rather live in a country with high taxes or low taxes? What is the purpose of taxes?

gpepia — 2025-12-12 15:59:20 UTC

2221776_1 — 2025-12-12 16:53:14 UTC

I would live in a low taxes country because of Low or zero Direct Taxes, Alternative Revenue Streams, Economic Strategy, Diverse Models, Zero Personal income tax, Low flat Taxes, Low Corporate Taxes, Are reasons why living in a low tax country is best.

Why do you think the market is going down today? (DOW JONES)... also....how was your weekend?

gpepia — 2025-12-15 16:04:52 UTC

2025-12-15 16:16:56 UTC

my weekend was good because I play 2k and sleep

it is probably going down because prices are going up and then people start to hoard more money and save it other than spend it home activities and food like sweet and snack and pizza and people are definitely not going to the movie theaters. and all of my weekend was good

2025-12-15 16:17:43 UTC

Do you plan on going to college? yes or no?

gpepia — 2026-01-05 16:01:33 UTC

1/05/26

2221776_1 — 2026-01-05 16:54:17 UTC

I don't plan on going to university because I don't think it would be easy for me.

yes I do want to go to college

2026-01-05 16:58:10 UTC

I do want to go to college because when I finish high school I want to be a teacher and you need a college degree to be a teacher.

Do you think College should be free? and why.

gpepia — 2026-01-06 15:21:55 UTC

2026-01-06 16:16:34 UTC

I would personally think College should be free if school is free then college should be free there's people out there who can't even afford for low priced College and I think college is a scam but I think trading school is much betterand trading school is my dreams

2026-01-06 16:22:38 UTC

yes I believe it should be free so more student would go.

What major do you want to have in college? Research the median income and demand for the job related to it. Post the information in your own words below.

gpepia — 2026-01-07 15:01:55 UTC

Lincoln Technical Institute (Lincoln Tech) salary income is 70y and and the top job I want is mechanic

2218907 — 2026-01-07 16:41:27 UTC

Yesterday we looked up our jobs. Today we will see if they are expected to grow or shrink in size.

gpepia — 2026-01-08 14:37:55 UTC

use this website to see the fastest growing occupations: https://www.bls.gov/ooh/fastest-growing.htm

Why is it important that we understand if College is right for us BEFORE we attend?

gpepia — 2026-01-09 12:51:10 UTC

2026-01-09 16:11:31 UTC

I would rather work after high school, without even thinking about college.

2026-01-09 16:53:40 UTC

Its

Should College be free for Doctors, Lawyers, and anyone else helping the Public?

gpepia — 2026-01-12 12:51:53 UTC

Whys is it important to fill out the FAFSA application as soon as possible?

gpepia — 2026-01-14 16:45:25 UTC

What types of Aid can you get under FAFSA?

gpepia — 2026-01-15 16:00:28 UTC

rahhhhhhhhhhhhhhhhhhhhh

2218907 — 2026-01-15 16:15:40 UTC

2026-01-15 16:18:43 UTC

(Federal Supplemental Educational Opportunity Grant): For undergraduates with the greatest financial need.
TEACH Grants (Teacher Education Assistance for College and Higher Education): For specific teaching careers

Through the FAFSA, you can get grants (like Pell Grants), Federal Work-Study, and federal student loans (Direct Subsidized, Unsubsidized, and PLUS loans for parents/grad students) to help pay for college, covering costs like tuition, housing, books, and fees. The FAFSA application determines your eligibility for these types of federal aid, and your school then provides a financial aid offer based on your results.

2026-01-15 16:57:58 UTC

Is it beneficial to pay off your debt as you are in school? why or why not?

gpepia — 2026-01-16 16:49:11 UTC

Yes

2026-01-16 17:04:50 UTC

Paying off student loans can cause a temporary dip in your credit score due to closing an account, which affects your average account age and credit mix

What was your favorite thing to learn about in Financial Literacy?

gpepia — 2026-01-27 14:42:47 UTC

What are some issues that matter most to you? Why should other people care about them?

gpepia — 2026-01-28 15:08:36 UTC

2026-01-28 16:10:59 UTC

I hate school because the teachers talk too much and I feel like they don teach

2026-01-28 16:56:52 UTC

Some issues that matter to me are bullying, racism, and the cost of living. These issues matter because they affect how safe, equal, and stable our lives and communities are.

Why do you think businesses refrain from hiring people under 18? What may be the reason for this?

gpepia — 2026-01-29 12:28:34 UTC

Remember to leave a comment in this thread, do not create your own post. Make sure you have your name visible.

WRITING RUBRIC

gpepia — 2026-01-29 12:28:46 UTC

2218907 — 2026-01-29 16:31:06 UTC

do I think jobs should hire people below 18 ummmmmmm yes&no

What makes someone likeable?

gpepia — 2026-01-30 13:08:13 UTC

Do you think African Americans have less opportunities in America than their White counterparts?

gpepia — 2026-02-02 16:01:51 UTC

2026-02-02 16:16:17 UTC

frican Americans have made profound contributions to American life, including literature, music (jazz, blues, hip-hop), cinema, and sports, while continually fighting for civil rights and against systemic inequality.

If an issue is not personally impacting you, would you still care about it? Why or why not?

gpepia — 2026-02-03 13:26:06 UTC

WRITING RUBRIC

gpepia — 2026-02-03 17:02:45 UTC

If someone is mean or disrespectful to you, what would be your initial reaction to be?

gpepia — 2026-02-04 14:49:50 UTC

WRITING RUBRIC

gpepia — 2026-02-04 14:49:58 UTC

2218907 — 2026-02-04 16:15:37 UTC

If someone was being disrespectful to me i either it has me fighting or just ignoring

Do you think cultural and social norms are different in other countries

gpepia — 2026-02-05 15:58:13 UTC

Are people naturally racist or is it learned?

gpepia — 2026-02-06 16:01:41 UTC

Do Now: Why is it important that we understand how different cultures may interact?

gpepia — 2026-02-09 16:00:12 UTC

Do you think people who have different political views can be best friends?

gpepia — 2026-02-17 16:01:22 UTC

Why do you think it is important to have a Black History month?

gpepia — 2026-02-26 15:58:12 UTC

maddison

2026-02-26 16:18:22 UTC

yes I think black history month is important is we are black and we can have party with black people.

How much does a person's upbringing play into who they become later in life?

gpepia — 2026-02-27 12:48:10 UTC

03/10/2026

gpepia — 2026-03-10 12:11:25 UTC

Do towns have a right to zone areas however they please? Why might the towns people be concerned about more people moving in? “If the towns population increases….”

“People might have an issue with the population increase because……”

Is Irvington a food desert or a food swamp?

gpepia — 2026-03-11 15:42:47 UTC

Why is it important to have a good work life balance?

gpepia — 2026-04-10 14:59:39 UTC

Multi Nana-iro

2026-04-10 15:12:38 UTC

Yes it is important to have a good work life balance cuz. A good work-life balance is crucial for reducing stress, preventing burnout, and improving overall physical and mental health.

WRITING RUBRIC

gpepia — 2026-04-10 16:06:58 UTC