PART A

Almost everyone will need a credit card at one time or another. There are times when one can only purchase an item or service with a credit card. Knowing this, do

a paragraph addressing each of the following:

• Describe the different types of credit cards. Which type of credit card do
• u prefer?
• List at least three ways to help keep ur credit card spending under control?
• How can u spot and avoid credit card scams?
• do a "top ten" list of credit card tips.

PART B

• do ur personal resume. If u have never had a job, u can include volunteer work, school activities, or any skills that u possess.
• do a job search plan.
• What should u remember when completing a job application?
• What are the most important tips to remember about a job interview?

PART C :

answer the following questions:

• Why do many people want to start their own business?
• Identify some businesses in ur area that are owned by a single person.
• What are some of the characteristics of an entrepreneur?
• What are some of the drawbacks of owning ur own business?
• How can u tell if owning a business is right for u?
• Identify a business that u would like to own and operate.
• What skills are needed for this business?
• What pitfalls of small business should u avoid?

after responding to the questions, complete the following:

• Do a a short-term plan for this business (3-5 years)
• Do a long-term plan for this business (6-10 years)

Part D

Do a personal budget. Use the template provided as a guide. Add or delete items as needed. Then do a short explanation of ur budget, which items u would be able to change (flexible), and which are always the same (fixed). Describe how ur budget may change over time and how u will respond to these changes.

Use ONLY ONE of -a. or -b. to calculate ur income. Include -c through -h in ur budget planning.

a. ur actual employment income if you have a job

b. If u are not employed then use a projected income of $10.00 per hour for 30 hours per week

c. Do n't forget to include such expenses as rent, food, utilities, phone, transportation, etc.

d. Identify the fixed and variable expenses in ur budget

e. Total ur expenses weekly, monthly, and yearly

f. Calculate ur gross and net income

g. how you calculated ur monthly income. This budget should reflect how u would support urself on the income that u calculated.

H.cant say that u have no expenses.