Lifestyle in 10-15 Years

Week 6: What I am Grateful For

I have been extremely grateful for the past 5 weeks. I am grateful for this class because it helped me get a vision of how to be a responsible adult in the future. I am grateful for my internship because it helped me gain experience in the work field and it kind of gave me a glimpse into my future work experiences. I am grateful for using Waybook because it helped me define my understanding of myself, characteristics, etc.. The discoveries of myself did not make me change the way I saw myself because I already had a feel for myself and the discoveries in Waybook just helped clearly view my characteristics. I am grateful for discussing work readiness skills and to see which work readiness skills were my strongest and lowest so that I could work on my lowest points more to be the best worker / co-worker as I can be. I am grateful for using all of the websites we used because it helped discover helpful resources for my future. I am grateful for my experiences this summer and I feel extremely lucky because it helped me find good resources for the future, it helped me think about my future, and taught me how to be responsible adult and person overall and that this experience will help me add to college applications and it will help me look like a better candidate for college or for any future jobs I may have. I discovered what were my values and I got to narrow down my goals to help me with my future and I am grateful for that.

Finance and Savings Interest-CCorr

William, starts saving $4,000 a year (about $333.33 per month) when he is 20 and stops after 20 years, after having saved $80,000.--45 years until he's 65

His brother, James, starts saving $4,000 at 40, and does so for 25 years, for a total of $100,000 saved.

231,653.79

Interest earned during the time that he has put in his monthly 20-40

$155,244.76--$666,000

They earn 6% on their savings.

At age 65, William will have $____ in his account, while James will have  $_____ . Despite having saved less, William's nest egg will be almost four times greater because of compounding

Wk 5: Appreciation

I'm grateful for all of the opportunities that are available to me. 

I'm grateful for this career readiness class because it made me aware of what it is to be a responsible adult. Budgeting and thinking about the future monetarily was really eye-opening, especially when it came to all of the expenses that are needed to survive and thrive. 

I'm grateful for this internship because it has provided me with new ideas to eat healthier and have the food taste good (not as impossible as it sounds). I also realized how much people bond over food and how it's a gateway to conversation. I definitely appreciate my parent's cooking more and try to help out in the kitchen.

I learned a lot about my strengths, values, and personality that helped me get a better look at who I am. It's kind of hard knowing who you are at such an early age and what characteristics define you, and those quizzes definitely helped. It only helped solidify what I already knew was true, but needed a second opinion on. 

I don't think reflection on the discoveries made make me think any differently about myself. I'm highly opinionated and I have a sense of who I am. It was basically just a summary to me.

Being introduced to google sites, linkedin, and using blogger was really interesting. It was fun exploring new sites and seeing how they could help further our future career. 

I learned that I rely on logic, am genuine, and enjoy long walks on the beach. It was nice to see what my strengths were and what characteristics weren't.

I am very thankful for this opportunity. I feel as though since all us kids live in Marin, we take for granted what we have every day. Other teens in California don't have as nearly as much opportunities for success. Also, check out our views, amazing. The air I breathe is clean and I don't have to wear a mask. I'm thankful for everything (except for all the bad people in the world), even you.

Wk 4: Expenses

• The total of my future expenses each year are 41,940.  I know this is logical because my primary sources for information are my father and the internet: http://money.cnn.com/magazines/moneymag/money101/lesson18/index3.htm
• According to the police website looking for cadets, I can likely count on making $80000 each year in my future job as an entry level police officer in San Francisco.  My education/training to get that job will cost $2500 total for all years of training.
• http://www.jobaps.com/sf/sup/BulPreview.asp?R1=CCT&R2=Q002&R3=060667
• I want to save $5,000 for my rainy day fund each year, and $24000 for retirement each year.  If I save $24,000 for retirement each year, by the time I am 65 years old I will have $424, 340 plus interest
• Comparing my future income and expenses makes me think…. that I either need to find a higher paying job, move out of California, or find some places to budget even more. California taxes are especially high and the state has inflated prices. 

Week 6: My Experience

I am most grateful for the variety of work that I have experienced this summer. Being diligent and productive during my construction job seemed to be most relevant as I was asked to do a variety of tasks. Asking clarifying questions and questions pertaining to efficiency seemed to be the most useful as  I ran into obstacles that I felt could be performed faster. Regarding class, I felt the most important thing I learned was the use of the waybook. Not only was it easy to use, but it allowed me to reflect on some of the values and personality traits that I underestimated before. It also exposed me to a program that I had never used before but can utilize either on a resume or show a future employer the type of worker/traits that I value.

Regarding the internship, I was grateful that TJ taught me a valuable lesson about customer service. If a business can tailor their service to meet the wants and needs of a customer, than both customer and manager are happy. If the customer is happy, so is the business. Therefore, it's necessary for a business to go beyond the standards and allow for flexibility within the service or program. Secondly, allowing a variety of products and services allows a more diverse population of customers who can find exactly what THEY want from the business. There shouldn't be only one rudimentary class at a crossfit gym (or any gym in general). A gym should offer a variety of programs (classes, PT sessions, team events, kids-teen programs). As a result, the community becomes infused into the business, creating a strong sense of community.

Future savings

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)? $39,500.23

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)? $18,312.14

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

6 (make up your own problem)-- write it here

This makes me think that since I am planning on traveling to Europe in two years, and was planning to spend $2,000 to go to europe, after calculating this, I feel that it will be incredibly possible and attainable.

What I'm Grateful For

I'm grateful for everything that I have in my life. I'm lucky to have such supportive family, and friends who truly care about me. I'm also extremely grateful for my health and for the circumstances that I live in. This summer I was fortunate enough to take part in an internship at Heartland Hospice. Although it may sound depressing, it was actually a really good experience. I got to meet lots of interesting people, and help out everyone at the office. I'm very grateful to have received such an in depth experience in an office, and learned about the skills that it requires. I am lucky to have taken a closer look into my spending, and learn about how to mange my finances better in the future. Without this class, I wouldn't have paid much attention to how I spend my money, which would result in a range of issues as an independent adult. My internship gave me the opportunity to work alongside many different individuals, and learn about what hospice is. I'm thankful that I was able to so greatly help everyone at the office, and truly feel appreciated. I'm glad that I got the chance to meet such kind and grateful people at Heartland, and make an impact on the entire operations of the office and staff due to such important filing tasks I was given. I also developed my interest in social work, and got to meet and talk to people who are social workers at the hospice. If I hadn't done this class and internship, my five weeks would've looked a lot different. I would most likely have been working more, as well as procrastinating more on summer assignments. I think that by being so busy, it became easier for me to focus on what really needed to get done. It's great that I got such a hands-on experience at Heartland, and I feel as though it will greatly assist me in my future career. This summer has had much more focus on developing my interests and possible future majors and careers. I'm happy that I participated in the class and internship because I'm not sure when else I would've been able to receive such an experience. Most people in high school don't spend much time over the summer thinking about the future, but rather thinking about the past and present. I think it's important that we begin to think about what it is that we want to do, because it isn't too far off when we'll be out of college and ready for a job.

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)?
$39,500.23.

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)?
$28,301.40.

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

$19,938.10.

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

$283,013.98

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

$199,381.03

 

6. 1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $500 each month, how much will you have when you are 78 years old (60 years later)?

$490,926.37

This makes me think that the more you save each month and the more the money is compounded, you'll be able to end up with a lot of money in your bank account.

Blog Post #6

I realized through the savings account exploration that by investing a small amount of money in a bank will allow your savings to increase a lot over time.  When I invested $500 and added $50 in monthly increments for 50 years, my total would be roughly $39,700 in the bank, which is incredible.  So, this has inspired me to invest early in life to make the most of my money.

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)? $36,700

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)? $28, 650

What Am I Grateful For?

This summer, I am thankful for both the school to career class and my internship. I'm very happy that we've been able to learn about interest rates and financial decisions in class because we will need to know about those types of things when we're living on our own. I now have a lot better idea on how much I can spend, especially since overspending is a very easy task to do during the summer. I'm also thankful that we did a 5-15 year plan because it made me understand how hard I want to work in order to achieve my goals in my field of studies for science and medicine.  With my internship, I'm glad that I was able to be in an office job atmosphere and get a real feel on how important professionalism and all of our other work readiness skills come into place. I learned to be tolerant and respectful, dedicated, and have good communication skills. Being tolerant and respectful is crucial when speaking to patients and their families. They are at a very uneasy state, so their caretakers must understand all of the paths that the family may want to take during this time. This may include whether they want spiritual care or not, the types of medications the patient needs, how often the nurses come visit, and other personal decisions. Being dedicated is important too for one must be committed to their job at Heartland 100%. At orientation, our supervisor made it clear that we should be comfortable with the conversations of death and dying around the office. Heartland works with every bone in their body to make sure that they are putting in their best effort to keep the remainder of patients’ lives free of stress and troubles. Finally, I'm thankful that I've improved my skills of serving the needs of others. Heartland Hospice centers their work around helping people wherever they may call home, whether it’s the house they’ve owned for years, an assisted living facility, or a skilled nursing center. I'm so grateful to have these types of opportunities because I know a lot of children, teenagers, and young adults around the world don't have any sort of education whatsoever. In a couple weeks I'll be traveling to Mexico to build orphanages and help kids learn English, so I'm very excited to spread knowledge and help a community with children that needs all the assistance they can get. Overall, this summer has matured me a lot. It has made me realize how important my future is, and I really am grateful for that.

money in account

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)?

$39,500.23

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)?

$28,301.40

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

$19,938.10

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

$283,013.98

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

$199,381.03

6 (make up your own problem)-- write it here

This makes me think…the earlier you start to save, the more the less worry you would have to get when you get older

Compound Interest Calculations

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)?
$39,500.23.

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)?
$28,301.40.

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

$19,938.10.

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

$283,013.98

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

$199,381.03

6. If you put $1000 into a regular savings account in the bank when you are 10 years old and add $100 each month how much will you have when you are 30 years old (20 years later)?

$27,642.99

This makes me think that it is actually easier to increase your total value in your bank account due to time and interest. Starting earlier has it's benefits. Also it makes me think that only a small amount each month ($100) could make a huge difference in the long run.

Blog Post #5

I am grateful for the opportunity I was given through my internship.  Pertaining to the class, I am grateful to have learned how to create a resume, sample job application, cover letter, etc.  Pertaining to my internship, I am grateful for the wonderful experience I had working with professionals in the medical field.  I have gained a wealth of knowledge from my internship that has helped me in my decision for my future career path after college to become a doctor.  I learned that I am a very ambitious person and I love helping people and enriching the lives of others.  I also learned that equality is one of my strongest morals.  Reflecting on my discoveries did not really make an impact in how I saw myself and what I learned about myself.  I have reflected on such things in the past, so nothing new was really brought to light (except that I may be autistic). Through my internship, I definitely improved on effective communication skills.  I had to constantly update my supervisor on schedule changes.  My diligence also improved; sometimes the work was boring, but I pushed through it.  Not many people get this opportunity, and so I am very grateful.

Final Post

The class:

To be honest I didn't learn all that much from the class. This isn't the class's fault, however. I have a college counselor who had already taught me about my resume and future things like college. I did learn some very important things from the class. I learned what I cover letter is and did learn some important tips on having a budget. I also learned how to create a Google site. I wish I could say that this class helped me find who I am through the exploration and whatnot, but honestly, I'm always thinking about my life and my future each and every day. That's just the way I am. I went into this class already knowing my 10 year and 5 year plan as well as a back-up plan. The class was taught well and I don' regret taking it.

The Internship:

My internship just started last week. (Late right?) It made me realize that I want to work in someplace big. Like a big hospital or lab. It also taught me something that I didn't expect: that I enjoy working with children. I previously thought that working with kids would be annoying and tedious. I've learned that it is extremely rewarding and fun. I'm still discovering things about myself through my internship since it just started. I wish there was more I could say, but as of right now I've much to learn.

Week 5 Blog Post

Going into this summer I had really no idea what to expect from my internship. I'd never had a job before or any type of commitment to a given time or place. I've always had a weird fear of getting a job and having to go through the process of putting myself out there purely because I was scared of having to interact with people. My internship has really forced me to have to communicate and get along with an assortment of people as well as the internship class. The internship class forced me to be in an environment with strangers however I found I was able to talk to people much easier than I originally thought I would. I'm grateful for the opportunities that forced me to go outside my comfort zone and learn to interact with new people.

I really am grateful for being able to be part of the Health Hub put on by my internship. I'd always thought about volunteering at a food bank or church however I was always would give up after looking into the application process/orientations. Small obstacles like this have always deterred me from trying anything new. However through my internship I learned that steps like this are only minor and ultimately lead to the desired end result. Learning this is a vital step for preparing to be an adult and adapting a grown up lifestyle. Besides understanding more of how I make decisions and allowing myself to look past some of illogicality of it, I genuinely felt a strong sense of pride for what I was doing. It was a really great feeling to know how much I was helping the families. It was incredibly rewarding to see how excited the children would be when they got to pick out the food themselves. I really enjoyed spending my time there and hope that I can continue going during the school year.

The class itself really made me think about college in a way I never had before. In school I've never had a class or teacher who really has gotten me thinking about college in a way more than simply the word "college". When college is discussed majors/career choice is rarely mentioned. It's hard to talk about that aspect of college with friends when nobody really lets forth what they want to major in. For some reason, or at least this has been my experience, I've noticed talking about what you want to major in has become a topic that can feel embarrassing to discuss. Nobody really wants to say what they want to do in fear of being judged. This really shouldn't be how it is because talking through ideas is the only way to know if you're truly passionate about the subject matter. Writing these blog posts has forced me to think about this more than ever before in my life. I think writing or talking these things through is vital to determining true interest in a given field. Although it has been time consuming I actually am grateful for writing these blog posts because it has forced me to face my future head on.

I've learned that I really am passionate about health and exercise. I went into my internship thinking the subject matter sounded interesting however I really had no prior experience with it. But this summer I've changed my lifestyle by trying to cut out a lot of processed foods and exercising everyday. Becoming healthy has been very important to me and I've stuck with it. Partially I can attribute this to making goals in class because something about having it written down made me more compelled to actually follow through. Entering into the nutrition field is becoming more of a reality for me. As of now I really am set on becoming a dietitian.

week 5

I am grateful for myself, God , my mom and my grandmother because without my efforts and beliefs and without my family, I would not be the person I am today. I am grateful that I had the opportunity and do and internship and take the class. I am grateful that I got to learn new ways of sharing my thoughts online. I am also happy that I got new computer skills with Google sites, blogs, way book..etc.  I am grateful that I got to take this internship and learn a lot about myself while taking it. I learned that with self-confidence and a little bit of motivation, I am capable of doing everything I want in life. I am grateful that I used way book at the internship class because I learned that I am a much stronger person than I thought I was and that I am really open when it is time to help others. Overall, I think the experience I had this summer helped me figure out what I am capable of doing and also the positive side of learning new skills.

Mahalia's goals

Goals

• keep track of all my deadline (for college apps, scholarships, reports)
• always have time management
• do my summer assignments for  AP English
• write my upcoming events, internships days, appointment in an calendar or somewhere on an agenda so I can keep track of my time and be prepare.
• get accepted to at least one UC, CSU and a private college.
• try to control my stress level.

Habits

• not reading my English  books
• giving more importance to deadlines
• get nervous or anxious about everything even if it is not important.

Allies

• AVID teacher 
• family
• counselor
• therapist 

week 5

I am grateful for parents, family, church, friends and nature. also i am grateful for having such good people surrounding us and helping/supporting us in everything we do. I am grateful that i had the chance to create a bond with the kids and the other assistants. i got to learn from that experience and gained a lot from that experience. i am glad i got to learn from the readiness skills and got back feedback from my supervisor and was able to practice it many times and learning about using your money wisely. at the internship i gained and learned how to be patient and got closer to the kids especially Andres and you learn that they are a gift from God, a miracle that you need to take care of and nourish.

Blog 2

Throughout my internship, I have come to learn that the Work Readiness Skills really do prepare you for the work environment. Communication is a major player- one must learn how to balance asking questions needed to understand the wonk one must do and asking the same question repetedly not for further clarification, but because one has failed to listen to the explination the first time around.

Honesty is also crutial. One must be honest with their supervisor at all times. Honesty includes telling him/her if they are feeling uncomfortable with something, or if they do not understand the task they have been asked to do. Admiting these things could lead to a talk woth your supervisor to fix these problems- maybe changing whatever it was that was making you uncomfortable, or giving you tips on how to improve your experience with it.