The document contains a series of questions about various personal finance topics such as earning income, taxes, banking, credit, insurance, and future planning. Questions cover topics such as the differences between needs and wants, types of bank accounts and financial institutions, borrowing money and credit scores, fraud prevention, renting versus buying property, common insurance policies, bankruptcy, and options for paying for college. The goal is to help the reader learn about important financial concepts and how to manage their money responsibly.

1. MATH
BELL RINGERS:
SKILLS FOR EVERYDAY
Mindy Lingo, Ph.D., BCBA
Zarrow Center Assistant Director
Of Postsecondary Education

2. Earning an Income
Describe the cost versus
benefit of choosing at
least two different jobs.

3. Earning an Income
How would you describe the
difference between a job and
a career?

4. Earning an Income
Write a monthly budget for
when you are supporting
yourself.
(Hint: house, car, bills, food, fun, etc...)

5. Earning an Income
How would you explain
needs versus wants?

6. Taxes
What are taxes and why
do we have them?

7. Taxes
What happens if you do
not pay your taxes?

8. Taxes
Explain the costs and
benefits of public goods
and services.

9. Taxes
What type of taxes are
you currently responsible
for paying?

10. Financial Service Providers
Explain the difference
between a bank and a
credit union.

11. Financial Service Providers
What are the most
common financial
services?

12. Financial Service Providers
What is the difference
between a debit card and
credit card?

13. Managing a Bank Account
Explain what is a
checking account.

14. Managing a Bank Account
What is the difference
between a checking
account and savings
account?

15. Managing a Bank Account
What happens if you
spend more money than
you have in your
checking account?

16. Managing a Bank Account
What are the different
ways you can keep track
of you accounts? Will it
always be current?

17. Savings and Investing
Why is it important to
have a savings account?

18. Savings and Investing
What does it mean to
invest?

19. Savings and Investing
What does your long
term financial goal look
like?

20. Savings and Investing
Identify needs versus
wants in terms of
reaching long term
financial goals.

21. Retirement Planning
What does retirement
mean?

22. Retirement Planning
What is one goal you
have for your retirement?

23. Retirement Planning
How do you afford to live
when you retire since you
are not working?

24. Borrowing Money
What are reasons people
borrow money?

25. Borrowing Money
What is a loan
agreement? Also, how
does interest factor into
loans?

26. Borrowing Money
What is a credit score and
how does it factor into
borrowing money?

27. Borrowing Money
How do you build and
maintain a good credit
history?

28. Credit Cards and Online Shopping
Explain the cost,
benefits, and risk of
making online purchases.

29. Credit Cards and Online Shopping
What are the different
methods of paying for
items online?

30. Credit Cards and Online Shopping
How can you tell if an
online website is secure
enough to make
purchases?

31. Credit Cards and Online Shopping
Explain how a credit
cards works.What are
the options for paying
credit card bills?

32. Credit Cards and Online Shopping
What does it mean the
minimum payment on a credit
card? Also, how can you
reduce the cost of paying
interest on credit cards?

33. Credit Cards and Online Shopping
What are the benefits of
paying your credit card
balance in full every
month?

34. Fraud and IdentityTheft
What are some different
types of fraud you have
heard about?

35. Fraud and IdentityTheft
What are things you can
do to avoid being a
victim of fraud?

36. Fraud and IdentityTheft
What are methods you
have heard people use to
steal other's identity?

37. Fraud and IdentityTheft
What are steps you can
take to avoid identity
theft?

38. Renting vs. Buying
What is the difference in
renting and buying?

39. Renting vs. Buying
What are the benefits of
renting?What are the
different types of rentals
properties?

40. Renting vs. Buying
What are the cost and
benefits of buying
property?

41. Renting vs. Buying
How do you start the
rental process vs the
home buying process?

42. Renting vs. Buying
What happens if you
don't pay your rent or
house mortgage?

43. Risk Management and Insurance
What is insurance and how
does it work? Is everyone
entitled to insurance or can
you be denied?

44. Risk Management and Insurance
Identify common risks to
life and property?

45. Bankruptcy
What is bankruptcy and
how does it impact your
future credit?

46. Future Planning
What are the different
ways to pay for college?
Who can you talk to about
all the different options?

47. Future Planning
What are some of the
resources in the community
you can access to help meet
your personal and financial
needs if required?

48. Future Planning
What are some of the
resources in the community
you can access to help meet
your personal and financial
needs if required?

49. Future Planning
What are your future
financial goals? List the
steps you will take to
reach those goals.