Life Management Skills Module 5+6

quack
a person that promotes or sells ineffective or harmful health care products or services.
Bandwagon
persuading people to do something by letting them know others are doing it. This is the “everyone else has this product” technique. (i.e. “Be Part of the Crowd.”)
Testimonial
using the words of a famous person to persuade you to get the service or product. (i.e. “I use this shampoo, and it makes my hair beautifully manageable.”)
Glittering Generalities
a generalized statement that is exaggerated. (i.e. “Brand X contains greater whitening agents than Brand Y.)
Just Plain Folks
there are no surprises or gimmicks because this product is for the common man. (i.e. “Just ask George.”)
Scientific Appeal
you are given the results of surveys or lab tests. (i.e. “Four out of five doctors recommend this product.”) Of course they only asked five doctors and four worked for them.
Lemon Law
a state law that says if you buy a car that has defects, including mechanical, safety, or value, that can’t be repaired after repeated attempts, your car must be replaced by the manufacturer.
Annual Percentage Rate (APR)
The amount of interest you are charged yearly
Compound Interest
Interest calculated not only on the original principal but also on the interest already accumulated
The three C’s (character, collateral, and capacity)
The rating credit companies use to see if you are a good credit risk
Debit Cards
used in place of writing checks. The amount you spend using this card will be deducted from your checking account.
Difference Between Debit and Credit
Debit cards can be used as either a debit card or credit card. Credit cards can only be used as a credit card. Debit cards do not carry a line of credit. The purchases made with a debit card can not exceed the amount of money a person has in their bank account. This is the main difference between a credit and debit card.
Net Income
This is the income you receive after all the deductions have been taken from your paycheck.
The FDIC insures all bank accounts up to:
$250,000
Deposit
Any amount of money that is added to your account
FICA
This abbreviation represents social security payments taken on a paycheck.
The Truth in Savings Act requires banks to:
disclose the annual percentage yield on your account
Checking Account
A financial account that allows you to withdraw and deposit money using a check, debit card or ATM card
Ammonia + Bleach
can produce dangerous chemical fumes
Recyclable plastic products will have the following code molded into the bottom:
Letter C
Corrosives
Products that eat away at other materials
White Vinegar
an alternative cleaning product that helps cut grease
Three R’s
Reduce Reuse Recycle
Aluminum
100% Recyclable
Stress reduction
Learn to relax, be realistic, get a good night’s sleep, treat your body well, solve the little problems
Time Management
Finish one task before starting another, avoid interruptions, manage your energy
Steps for Decision Making
1. Identify the decision
2. List all possible options
3. Evaluate each option
4. Choose the best option
5. Act on your decision
6. Evaluate your outcomes
Signs, myths, and prevention of suicide
SIGNS
Teen depression
Suicide threats, direct and indirect
Dramatic change in personality or appearance
Irrational, bizarre behavior
MYTHS
Talking to someone about suicide may give him or her the idea. Anyone who tries to kill him or herself is irrational or insane. People who talk about suicide don’t usually do it, they just want attention.
PREVENTION
Suicide hotline, telling a friend/parent/teacher,