Week 10 (March 16th)
Last week – make sure to check out the new schedule and pick the classes you want for Spring term.
Review last week; buying the cellphone and choosing the plan.
KAHOOT – Anders Provide the code.
Today – Getting a PET and the COST.
https://www.youtube.com/watch?v=ma3Mt5BPlTE (my 2 Cents)
Many of you had expressed wanting a pet. This is not anything you should give up on, but understand the time and the COST!!! Some animals obviously more expensive than others to own.
Lets compare: Dog , Cat , Lizard.
Cost of a pet. Vet bill, doggy daycare , cat,
Food – meds – injuries – cage – collars ——-the list goes OOOOONNNNN!!!
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Week 9 (March 2nd)
Did you find a cool car? Are you willing to share with the class?
Jim bob just found this one for sale for $7.2Million, can you help find him a more appropriate and affordable first car? (Please!!)
Car insurance – how it works and the various cost compared:
This website (nerdwallet) has a great outline of what you can expect. There are so many variables to look at when getting your insurance so you really should “shop around”. Let’s look at it together and see if we find some surprising information.
https://www.nerdwallet.com/blog/insurance/car-insurance-basics/how-much-is-car-insurance/
Let’s click on the various tabs: e.g average auto insurance cost for 20 year olds. (note the difference with having good credit and no accidents…) be smart with your money and insurance companies will treat you “nicer”.
Allstate car insurance – how it works.
https://www.youtube.com/watch?v=3JmQI06kkTw&feature=emb_logo
Maintenance of a car:
find someone you trust by doing your research. https://www.youtube.com/watch?v=34VuWqF8nu0&feature=emb_imp_woyt
Let’s continue looking at cars , and if time we can move on to looking at the cost of cell-phones.
NEXT – Buying a CELL PHONE !!
https://www.youtube.com/watch?v=TPVZLbUyojQ (My 2 Cents)
What phone to choose: https://www.verizon.com/support/find-the-right-smartphone-for-you-video/
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Week 8 (Feb 23rd)
Last week we started looking at CARS. But let’s face it , they’re expensive. They depreciate in value as soon as we buy them and they cost to maintain… so saving up for this purchase is a MUST!
- There are some smart savings plans out there to help reach your goals a bit quicker:
Lets look at this video – this is for saving for a car or other things.
- ABLE ACCOUNT: https://www.youtube.com/watch?v=6RjBf-CBGkY
- GOODWILL matching program: There is also a money $ matching program through GOODWILL
The clearest description is from Northeast Oregon, but there are local agencies that handle it.
- https://www.neoedd.org/ida/
- https://www.neoedd.org/wp-content/uploads/2019/06/IDA-Info-Sheet-2019.pdf (From 2019)
- “If you are saving for a business fixed asset (equipment, buildings, vehicle, etc.) you may save up to a total of $3,000. This would be matched by $9,000 for a total IDA of $12,000 available to invest in your business. NEOEDD staff will help you create a savings plan and timeline that fits your ability to save and your goals.”
- https://oregonidainitiative.org/find-ida-provider/
- https://oregonidainitiative.org/find-ida-provider/how-does-it-work/
- http://www.vidaoregon.org/st-vincent-de-paul-society-lane-county-inc-0
2 Local providers. First step is getting in contact with one of them directly.
- Local Goodwill:
Address: 855 Seneca Rd, Eugene, OR 97402
Contact: Trysta Duquette, trystad@goodwill-oregon.org, 541-431-3307
- Local St. Vinnie’s
Address: PO Box 24608, Eugene, OR 97402
Contact: Nancy Glines, nancy.glines@svdp.us, 541-743-7142 ext. 142
Communities served: Low income families mostly in Lane County.
If we’re really wanting to be smart about our money – Car share programs,
The cost:
https://www.zipcar.com/universities/pricing?affiliate_id=624358121&uni_name=University%20of%20Oregon
How it works:
https://www.youtube.com/watch?v=MaiSk9_aShA
- Buying a car – 7 tips:
https://clark.com/cars/how-buy-used-car/
Think about these things when looking at a “HISTORY- report” of your car.
Carfax!! Milage & Title! (How many owners?- Has it been owned by many people…)
See TITLE. And where has it been – (FLOODING – those cars may be very damaged) .
NOW: We’re going to try to buy a car!!! We have yet to look into insurance and maintenance costs but let’s have some fun with “dreaming” about the car purchase and look into that next week.
Carvana: how it works: https://www.carvana.com/buying-a-car-online-how-it-works
Check out the “how much car can I afford”
Plug in the numbers – search for your car…..
Carmax: https://www.carmax.com/cars
Craigslist: https://eugene.craigslist.org/d/cars-trucks/search/cta
LET’S START LOOKING:
I suggest – used car (5 years old) with less than 80000 miles. And the price range…. If we are able to get the matching deal from – Goodwill I suggest we start around $10,000.00
Here is an example of what JimBob found on Craigslist: Please make your own plan
Make -model | Fiat 500 | |
Year: | 2017 | |
Milage | 13000 | |
Title -clean | yes | |
Price | 8500 | |
KBB suggest price | ||
Next week we’ll continue with this and also look at some costs – insurance etc.
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Week 7 Feb 16th.
The metal we want: thinking about coins and cars. How does this relate, or does it? hmmm
Fun Fact: COINS and its importance: https://www.youtube.com/watch?v=nyvm5rsddcU
So, hint here: it’s a mind set and a way of thinking about the coins – why not start saving those little coins. Before you know it you’ll have a lot of money in that “piggy bank” or savings account. The change is NOT worthless.
Think about the rule: 1 nickel, 2 dimes, 3 quarters, 4 pennies. With this you can pay any “change number”
TRY it: $7.39 _3dimes, 1 nickle, 4 pennies___________
$ 3.19__1 dime, 9 pennies _________ $1.19____________
1 nickle: 5c =5
2 dimes: 10c =20
3 quarter; 25c =75
4 pennies: 1c = 4
We’ll also start thinking about the idea of other big purchases: something that relates to metal…
What about a big shiny car? This is a goal for a lot of young people. There are a lot of different cars out there and hence being a smart shopper is important.
Before we look into buying a car that may be a good fit for our budget, let’s look at the cost involved. (Don’t worry, we’ll do some research finding some good deals)
Costs involved – buying the car: https://www.youtube.com/watch?v=TtJXl6pk0Z4 (6min)
And next week will look into price-comparison/buying a car/insurance….
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Week 6 Feb 9th
– Continue with your BIG TRIP. We will work in small breakout groups and share what we found out.
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Week 5 (Feb 2nd)
We will continue with our dream vacation. It’s fun to play with the idea of how you can make it YOUR OWN trip. Remember to look for the best deals.
Before that we’re going to look at some of the costs of eating out. It’s such a nice way to treat ourselves. And if you have it in your budget it’s not going to hurt your finances too much….. Though there are some hidden costs in all this. And by cutting down on these costs you could afford to go on your trip sooner that you might think…
We have 2 videos: One relating to the costs to consider when going to actual restaurant (why are you eating out and how much could you save by changing some routines). The second video provides a little info on “tipping” and how it relates to black history. (appropriate since it’s black history month).
- Eating out is costly : https://www.youtube.com/watch?v=pAAv7gWV6SU (6min)
- How much shall I tip? (8min) https://www.youtube.com/watch?v=yD7CAjt65kc
Discussion: how do you calculate tip if it’s not automatically showing on the “screen”? Is there an APP for that? Will this impact your budget for your BIG TRIP?
Practice Example: JimBob went out 2 times last week:
Wednesday he had a burger, fries and soda at Cournicopia restaurant.
He got the bill: $ 13.99
How much shall he tip? (if tipping 20%) __13.99 x 0.20= 2.79_______________
How much is his total cost:_13.99 + 2.79 = 16.78 _______________
On Saturday he took his friends (Lisa and Luke) out for belated B-day dinner. This was something that JimBob wanted to treat his friends to. They ate at Wild Duck:
The bill was $ 57.50.
How much shall he tip? (if tipping 15%)_57.50 x 0.15 = 8.625 ____________
And how much is his total cost?: _57.50 + 8.625 = 66.12 ________________
Continue with your big trip: we’ll go into break out rooms.
Good luck
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Week 4
Review: is that trip actually free?
Airline frequent flyer credit cards – think about the pro’s and con’s.
https://www.youtube.com/watch?v=6se8TltCOoc (from my 2cents)
Lets continue with our dream trip: Thailand 3 weeks. $1=30baht
Category | Budget idea | Actual cost | Difference |
Airfare | 800 | 1250 | |
Lodging accommodation | 75/night | ||
Food | 50/day | 20 | |
Activity1 (cooking class) | |||
Activity 2 (scuba dive) | |||
Activity 3 (massage class) | |||
Miscellaneous | |||
Souvenirs | |||
Extra/emergencies |
Week 3 (Jan 19th)
Last week review: unit price and price comparison.
We left off just before the FUN stuff. Let’s look at planning a trip. Though, remember – there needs to be a budget created to accomplish this. This video shows all the categories you should have covered and the FUN TRIP will need to be a part of your budget.
https://www.youtube.com/watch?app=desktop&v=sVKQn2I4HDM
- When should you buys your trip (how many days in advance)?
- What season/time of the year is it cheapest?
- What day of the week is airfare cheaper? (both buy & fly)
- https://www.youtube.com/watch?v=G3fv0LU4c8Y&feature=emb_logo
Homework: The trip to Sweden .
What is the cheapest days you can find a 10day trip to Sweden (or pick your own destination) in Fall (Oct-Nov) VS Summer (June-Aug).
Days (Fall) | Cost | Details (tot travel time, leave, arrive etc) | Days (Summer) | Cost | Details (tot travel time, leave, arrive etc) |
THE DREAM trip to Thailand (3 weeks)
Category | Budget | Actual cost | Difference |
Airfare | 800 | ||
Lodging accommodation | 75/night | ||
Food | 50/day | ||
Activity1 (cooking class) | |||
Activity 2 (scuba dive) | |||
Activity 3 (massage class) | |||
Miscellaneous | |||
Souvenirs | |||
Extra/emergencies |
Prior to this trip:
Category | Details | Cost |
VISA | 30 days ni visa needed | NA |
Vaccinations: | https://wwwnc.cdc.gov/travel/destinations/traveler/none/thailand
https://www.passporthealthusa.com/destination-advice/thailand/#vaccines |
Total: around $ 75.00 |
Buy gear /clothes /suitcase | Around: $ 150.00 |
Recommended Travel Vaccinations for Thailand |
||
VACCINE | HOW DISEASE SPREADS | DETAILS |
Hepatitis A | Food & Water | Recommended for most travelers |
Hepatitis B | Blood & Body Fluids | Accelerated schedule available |
Typhoid | Food & Water | Shot lasts 2 years. Oral vaccine lasts 5 years, must be able to swallow pills. Oral doses must be kept in refrigerator. |
Cholera | Food & Water | Cholera is rare, but present in Thailand. Vaccination is recommended for travelers at increased risk or visiting areas with active transmission. |
Yellow Fever | Mosquito | Required if traveling from a country with risk of yellow fever transmission |
Japanese Encephalitis | Mosquito | Recommended depending on itinerary and activities. Recommended for extended travel, recurrent travelers and travel to rural areas. Present throughout country, especially northern regions. Most cases from May to October. |
Rabies | Saliva of Infected Animals | High risk country. Vaccine recommended for long-term travelers and those who may come in contact with animals. |
Routine Vaccinations for Thailand |
||
VACCINE | HOW DISEASE SPREADS | DETAILS |
Measles Mumps Rubella (MMR) | Various Vectors | Given to anyone unvaccinated and/or born after 1957. One time adult booster recommended. |
TDAP (Tetanus, Diphtheria & Pertussis) | Wounds & Airborne | Only one adult booster of pertussis required. |
Chickenpox | Direct Contact & Airborne | Given to those unvaccinated that did not have chickenpox. |
Shingles | Direct Contact | Vaccine can still be given if you have had shingles. |
Pneumonia | Airborne | Two vaccines given seperately. All 65+ or immunocompromised should receive both. |
Influenza | Airborne | Vaccine components change annually. |
Meningitis | Airborne & Direct Contact | Given to anyone unvaccinated or at an increased risk, especially students. |
Polio | Food & Water | Considered a routine vaccination for most travel itineraries. Single adult booster recommended. |
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WEEK 2 (Jan 12th)
Review of last week. Sales and returning items.
- Kahoot – pre quiz. Anders will provide the link.
- Price comparison: what is unit price?
https://www.youtube.com/watch?v=rrY6Go-gYHs (unit price )
- The psychology of shopping – the stores will trick you!!
https://www.youtube.com/watch?v=1VAZmcJ6_50 (6min – how you’re tricked in the store)
- FUN: (ongoing activity) : “Plan for the big one” Travel ( all inclusive vs make it your own)
Pro’s and Con’s. How do you do your research?
There are websites to help you get some ideas of average cost and will guide you to create a budget. https://www.budgetyourtrip.com/countrylist.php
- Let’s make 2 different trips:
You’ll need to set up a google doc to be able to stay organized. I like to have many boxes where I can fill in cost etc.
Relax trip: | Adventure: |
Week 1
Welcome to SMART SHOPPING!!!
Intro & expectations & Attendance
Quick informal survey: what do you want to make sure we cover in this class?
Traveling, vacation, groceries, unit-price, big item purchase (car, furniture, music instrument, bike, computer), search engines, credit cards, coupons and memberships, Bulk purchase, brand names vs generic, wedding/ party, return policies……..
- Did you get or buy a gift over Winter break? Do you need to return it? Do you know what to do?
Items on sale. You just purchased a coat and now it’s on sale … what do you do?
All you have to do is simply return the original item you purchased and buy it again at the lower price. If you buy an item from a store that has a 30-day price match policy and 90-day return policy, make sure you continue to watch the price of the item for 90 days after you bought it.Sep 8, 2020
- How long after you buy something can you return it?
Before you buy anything, ask about the return policy to avoid any unpleasant surprises later. Here are some general guidelines for products and services: Retailers: Return periods of 15 to 30 days are typical, but many retailers will extend that to up to 60 days during the holidays, including Amazon and TJ Maxx
- Return an item on AMAZON: watch this video
https://www.youtube.com/watch?v=OEIsq2RCGFE
Please email me if you have ideas on something you want to make sure we cover in class.