When is it helpful to have an Emergency Fund?

To help you donate to your local swimming club

A good or service required so that you can function and live

Goods or services that are NOT necessary

Something that makes life easier

A goal must represent an objective towards which you are both willing and able to work.

This makes it a convenient goal.

This makes it a relational goal.

What is one thing you can do to determine where your money/moni is going?

Add your bank statement up with a calculator

What do you need to do in order to build your savings?

Small changes to reduce spending

Invest in a pyramid or ponzi scheme

Buy the latest fashion when trends change

What totals are used to find the Budget Surplus or (Deficit)?

Total Income and Total Expenses

Total Necessary and Total Unnecesary Expenses

Which question was given for "Ideas for saving money" in your workbook?

Can I use an alternative product?

Can I get more of my product from elsewhere?

a comparison of what I earn with how much money/moni comes in

your costs or expenses are more than the amount you earn (your income)

The New Zealand fund you can add a portion of your income to for your retirement is called

Superannuation retirement payment

If your debts and expenses are more than your income what can you do?

Reduce expenses and increase income

Year 10 Business Studies Multi-Choice Test section

1. What is the primary goal of the board regarding compensation for professional employees? A) To minimize costs B) To attract and retain committed personnel C) To follow state regulations only D) To offer the highest salaries in the district 2. How is the compensation of certificated personnel determined? A) Based solely on local market rates B) Based on the state salary schedule with local supplements C) Based on the number of students taught D) At the discretion of the principal 3. When must teachers receive written notification of their employment status for the following school year? A) After the school year ends B) On the last day of school C) On or before the date the district extends offers of teaching employment D) At the start of the school year 4. Who has the authority to establish the compensation for support staff? A) The school board B) The superintendent C) The principal D) The teachers’ union 5. How often are employees paid? A) Weekly B) Monthly C) Semi-monthly D) Annually 6. What happens if a regular payday falls on a company-observed holiday? A) Employees are paid the following week B) Employees are paid on the last business day preceding that date C) Employees receive double pay D) Payments are canceled 7. Which of the following is NOT a mandatory deduction from an employee’s compensation? A) Federal income taxes B) State income taxes C) Employee bonuses D) FICA taxes 8. How should an employee report an improper deduction from their pay? A) Ignore it B) Report it to human resources or their direct supervisor C) Discuss it with colleagues D) Write a letter to the school board 9. Which of the following statements is true regarding exempt employees’ salaries? A) Their salary can be reduced for any reason. B) They receive full salary regardless of the number of hours worked in a week. C) Their pay is based on the number of days they work. D) They are paid hourly. 10. Under what condition can the district reduce an exempt employee's salary? A) If the employee takes vacation days B) If the employee is absent for personal reasons for one or more full days C) For minor conduct infractions D) If the employee decides to leave early

Make a vocabulary quiz with below.Crisis: a very difficult situation or emergency; “Investors are worried that continuing problems in the stock market might lead to another financial crisis.” Short-staffed: not having enough employees or workers; “We laid off dozens of employees to save money, but now we’re short-staffed and can’t fill orders quickly.” To drive someone nuts: to make someone upset or annoyed; “The autocorrect feature on my mobile phone really drives me nuts.” To arise: to happen or start to develop, especially for problems or situations; “Problems arose for the developers when local residents voted against construction of the new shopping mall.” To moan: to complain about something, especially in a way that bothers other people; “Every Monday morning my colleagues moan about having to come to the office so early.” Optimism: the feeling or belief that good things will happen; “Analysts are expressing optimism that the real estate market will bounce back quickly.” Pessimism: the tendancy or belief that the worst will happen. “Now is not the time for pessimism, we need to believe we can do this or we will fail.” Hurdle: a problem that must be overcome or dealt with in order to reach a goal or do something; “Lack of capital is a major hurdle for many young entrepreneurs with good business ideas.” © 2013 All rights reserved: www.businessenglishpod.com 2 To give up: to stop trying to do or achieve something; “After being rejected by over a dozen universities, Roger gave up on his plans to study for an MBA.” To keep your eye on the prize: to stay motivated and focused on your final goal or reward; “Okay folks, I know things have been really busy, but let’s keep our eye on the prize and we’ll get this done before Christmas.” Down the road: in the future; “Sales our good in our retail outlets, but 10 years down the road we’re going to have to be more competitive in the online market.” To overcome: to deal with a problem successfully; “You are going to have to overcome your lack of confidence if you want to be a good salesman.” Decisiveness: having the ability to make decisions and act firmly. “Decisiveness is a quality we look for in new managers.” Bumpy: we can use “bumpy” to describe a road or process that has many problems; “We had a pretty bumpy start-up phase, but we finally managed to turn a profit in our fifth year of operations.” To display: to show a feeling, emotion, or characteristic; “David displayed tremendous preparation and diplomacy during the negotiations.” On the fence: someone who is “on the fence” is having difficulty making a decision or taking a position; “While the executives support expansion wholeheartedly, the shareholders are still on the fence about it.” All-in: in poker, if you are “all-in” you put all your money on one bet, but we can use this expression more generally to say you are completely committed to something, especially a plan; “This sounds like a good idea, but before I go all-in I need to know more about the project partners.” To have what it takes: to have the ability or intelligence to do something; “I thought I’d enjoy law, but after a few years as a junior lawyer I realized I don’t really have what it takes.

Animal Rights and Diet Success Criteria I can explain key terms which describe the type of diets people have I can explain the advantages and disadvantages of different types of diet Animal Rights and Diet Match up the terms with the meaning Term Meaning Omnivore - eats fish but no other type of meat Vegetarian - eats most types of meat and vegetables Pescetarian - doesn’t eat any products that come from animals Vegan - doesn’t eat meat but will eat dairy products like milk Place the different diets on a spectrum All meat No animal products at all Vegetarian Vegan Omnivore Pescetarian Omnivore Omnivore Most people in the UK are omnivores Match the countries with the amount of meat eaten per person per year Country Meat per person per year India 9.9 kg USA 4.4 kg Bangladesh 120 kg UK 111.5kg Nepal 84.2 kg Australia 4 kg Numeracy How much meat is consumed in the UK per year? (Amount of meat eaten X the UK population) 2. How much meat is consumed in Bangladesh per year? (Amount of meat eaten X the Bangladesh population) Country Meat per person per year USA 120 kg Australia 111.5kg UK 84.2 kg Nepal 9.9 kg India 4.4 kg Bangladesh 4 kg UK – 64 million Bangladesh – 165 million http://www.telegraph.co.uk/travel/maps-and-graphics/world-according-to-meat-consumption/ 7 Why do people eat meat? Discuss Tradition (their family has always done it) Culture (celebrations) Taste Convenience Nutrients such as B12, protein and iron Consumption of meat is rising across developing countries because higher incomes generally mean more meat eating. Pescetarian "Yeah, I'm a vegetarian." "But that looks like fish you're eating." "Oh yeah, I eat fish.“ An estimated 5% - 6% of people in the UK are pescetarians. How many people is this? Approx. 3.6 million Calculation – 66,000,000 /100 x 5.5 = 3,630,000 9 Which group is cuter? Animals Fish 10 People often don’t feel as much love for fish as they do for fluffy, cute mammals. The may think fish don’t feel pain. They may be fussy. They think fish isn’t meat. Not farmed as much as mammals; can be wild. To get nutrients they wouldn’t get from just vegetables and grains. (Omega 3 is in plants but in higher concentrations in oily fish) Why are people pescetarians? https://www.vegsoc.org/sslpage.aspx?pid=753 http://articles.mercola.com/omega-3.aspx Fish – In a perfect world, fish can provide you all the omega-3s you need. Unfortunately, the vast majority of the fish supply is now heavily tainted with industrial toxins and pollutants, such as heavy metals which include mercury, lead, arsenic, and cadmium, PCBs, and radioactive poisons. These toxins make eating fish no longer recommended. 11 Vegetarianism Vegetarians will not eat any meat or product that comes from the slaughter of animals e.g. gelatine. About 3% of the UK population are vegetarian. How many people is this? 1.9 million 12 Why are people vegetarian? They don’t like the idea that animals are killed so they can eat Health reasons Don’t like meat Brought up vegetarian Environmental reasons Religious reasons (e.g. some Buddhist, Hindus) Watch the following clip twice. The second time, write down the fact which surprises you the most. https://www.youtube.com/watch?v=VW6wfpHFdaI The World Health Organization has classified processed meats – including ham, salami, sausages and hot dogs – as a Group 1 carcinogen (same as smoking/alcohol) which means that there is strong evidence that processed meats cause cancer. Red meat, such as beef, lamb and pork has been classified as a 'probable' cause of cancer. 13 Veganism Not just a diet Around 1% of the population of UK are vegans. A vegan is described by the Vegan Society as “a philosophy and way of living which seeks to exclude—as far as is possible and practicable—all forms of exploitation of, and cruelty to, animals for food, clothing or any other purpose; and by extension, promotes the development and use of animal-free alternatives for the benefit of humans, animals and the environment. In dietary terms it denotes the practice of dispensing with all products derived wholly or partly from animals” Why are people vegan? Why are people vegan? James Aspey: https://www.youtube.com/watch?v=a22XxXP3nU8 Warning: some of the content in this video clip may upset some viewers from 7:14 – 8:11 https://www.youtube.com/watch?v=BtqXeym7H8A Why are people vegan? “Don’t want bad karma” Feel healthier Reduce chances of diseases. Example heart disease. Don’t want to exploit animals Believe in animal rights Sustainability Environment Create a Table of Pros & Cons of Veganism Pros √ Cons - Create a Table of Pros & Cons of Veganism Pros Cons No animals have died for you to eat Some people think it is healthier Help the environment Fewer antibiotics/chemicals that are given to some animals Makes you feel good No vitamin B12 so have to supplement Harder to find food at shops or restaurants May be harder to get enough iron May be more expensive to get substitute meats Judged by family and friends Could put farmers out of business Group Work Source 1 Summarise it in your jotter Explain what the source is/what it says What does it suggest? What is your opinion? Feedback to rest of class https://www.youtube.com/watch?v=SYyjel5VuHg Farmer’s Poem

1. Sit down – Sit on a chair or lower your body. Example: "Please sit down and relax." (Сядьте и расслабьтесь.) 2. Lie down – Recline or rest horizontally. Example: "You should lie down if you're tired." (Тебе следует прилечь, если ты устал.) 3. Turn down – Refuse an offer or reduce volume/heat. Example: "She turned down the job offer." (Она отказалась от предложения о работе.) 4. Slow down – Reduce speed. Example: "Slow down! The road is icy." (Сбавь скорость! Дорога скользкая.) 5. Calm down – Become less angry or anxious. Example: "Calm down and tell me what happened." (Успокойся и расскажи, что случилось.) 6. Break down – Stop working (machine) or lose control emotionally. Example: "My car broke down yesterday." (Моя машина сломалась вчера.) 7. Write down – Record something on paper. Example: "Write down the phone number." (Запиши номер телефона.) 8. Put down – Place something on a surface or insult someone. Example: "Put down the book on the table." (Положи книгу на стол.) 9. Bring down – Reduce (prices, temperature) or make someone sad. Example: "The news brought her down." (Новость расстроила ее.) 10. Cut down – Reduce consumption (e.g., food, expenses). Example: "I need to cut down on sugar." (Мне нужно сократить потребление сахара.) 11. Let down – Disappoint someone. Example: "He let me down by not coming." (Он меня подвел, не прийдя.) 12. Shut down – Close a business or turn off a machine. Example: "The factory shut down last year." (Фабрика закрылась в прошлом году.) 13. Knock down – Demolish or hit someone to the ground. Example: "They knocked down the old building." (Они снесли старое здание.) 14. Settle down – Start living a stable life or calm down. Example: "They want to settle down and have kids." (Они хотят остепениться и завести детей.) 15. Go down – Decrease or descend. Example: "The price of gas went down." (Цена на бензин снизилась.) 16. Come down – Move from a higher place or become cheaper. Example: "Come down the stairs carefully." (Спускайся по лестнице осторожно.) 17. Hold down – Keep a job or suppress something. Example: "He holds down two jobs." (Он работает на двух работах.) 18. Burn down – Destroy by fire.

Catch up (with sb) – догнать, наверстать (в учебе, новостях) I ran to catch up with my friends. (Я побежал, чтобы догнать друзей.) She stayed late to catch up on her work. (Она задержалась, чтобы наверстать работу.) 2. Keep up (with sb/sth) – успевать, не отставать He walks too fast—I can’t keep up! (Он идёт слишком быстро—я не успеваю!) It’s hard to keep up with the news. (Трудно следить за новостями.) 3. End up – в конечном итоге оказаться We got lost and ended up in a different city. (Мы заблудились и в итоге оказались в другом городе.) 4. Bring up – поднять (тему), воспитать (ребенка) She brought up an interesting question. (Она подняла интересный вопрос.) He was brought up in a small town. (Его воспитали в маленьком городке.) 5. Show up – появиться, прийти He didn’t show up to the meeting. (Он не пришёл на встречу.) 6. Set up – организовать, установить They set up a new business. (Они открыли новый бизнес.) Can you help me set up the printer? (Ты можешь помочь мне настроить принтер?) 7. Take up – начать (хобби), занимать (место/время) She took up painting last year. (Она начала заниматься рисованием в прошлом году.) This sofa takes up too much space. (Этот диван занимает слишком много места.) 8. Turn up – появиться, увеличить (громкость) My keys finally turned up in my bag. (Мои ключи наконец нашлись в сумке.) Can you turn up the volume? (Можешь сделать громче?) 9. Hold up – задержать, поддерживать The traffic held us up. (Пробка нас задержала.) These pillars hold up the roof. (Эти колонны поддерживают крышу.) 10. Mix up – перепутать I mixed up the dates and missed the exam. (Я перепутал даты и пропустил экзамен.) 11. Put up (with sb/sth) – терпеть I can’t put up with his rudeness anymore. (Я больше не могу терпеть его грубость.) 12. Give up (on sb/sth) – перестать надеяться, бросить попытки Don’t give up on your dreams! (Не отказывайся от своих мечт!) 13. Build up – накапливать, развивать He built up his confidence over time. (Он постепенно развил уверенность в себе.) 14. Blow up – взорвать(ся), разозлиться The bridge blew up in the movie. (В фильме мост взорвался.) She blew up at me for being late. (Она на меня накричала за опоздание.) 15. Back up – поддерживать, делать резервную копию

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