Teen Leader (FC)

A teen leader is a teen who creates a positive image for other youth. A teen leader is a positive role model, modeling good academic behavior, by attending school on a regular basis and having good grades. Teen leaders show their peers the difference between good and bad. For a teen to be a leader he/she has to be able to communicate and be dependable. You want others to follow your good example. Teens have to have leadership skills; this is something he/she has to believe in. Its also something he/she has to put action into. A teen leader has to be able to motivate others. In order to be a teen leader you also have to have self-confidence. You can not be a teen leader doing bad in school or not going to school. You can't encourage bad behavior. This is not an image you want to show other youth. I think every teen should be a teen leader. Not only to set positive examples but also to encourage other teens that are not on the right track. Any teen can be a teen leader. You just have to set your mind to it and take action!

Loan (FC)

Today in my afterschool program we learned about loans. Loans are money that has been given from one person (the lender) to another (the borrow) with a promise to repay. When you borrow a loan you sign a contract agreeing to make a certain number of payments for a certain amount by a particular date each month. Your payments on a loan and even borrowing the loan itself has an impact on your credit. There are seven types of loans. Open-ended loans, closed-end loans, secured loans, unsecured loans, conventional loans, pay day loans, and advance-fee loans.

Open-ended loans are loans that you can borrow over and over. Closed-ended loans cannot be borrowed once they’ve been repaid. When you make payments on closed-ended loans, the balance of the loan goes down. Some types of closed-ended loans are mortgage loans, auto loans, and student loans. Secured loans are loans that rely on an asset as collateral for the loan. Unsecured loans don’t have asset for collateral. These loans may be more difficult to get and have higher interest rates. Unsecured loans rely on your credit history and your income to qualify you for the loan. Conventional loans are those that aren’t insured by a government agency like the Federal Housing Administration (FHA), Rural Housing Service (RHS), or the Veterans Administration (VA). Payday loans are short-term loans borrowed using your next paycheck as guarantee for the loan. Advance-fee loans aren’t really loans at all. In fact, they’re simply scams to get money from you. 

Borrowing a loan impacts your credit score. The loan applications impact your credit. Timely loan payments raise credit scores and high loan balances may harm your credit. From this I learned the different types of loans. Which ones are good loans to take out and which ones I shouldn't take out. 

Free Pass

I am using my free pass for this week

One of My favorite movies .

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This movie is about Two young Italian adults Will and Stan were driving along the country side of Alabama and decided to make a pit stop for groceries. As they were shopping Will mistakenly forgot to pay for tuna fish and placed it in his pocket. They paid the clerk for the groceries and began to start their journey again. As they were driving a cop pulled them over asking them to step out of the vehicle and place their hands on their heads. The officer then took the two into custody and placed them in the line up.

Stan and Will were placed in two different rooms to be questioned. They thought the questioning was based on the stolen tuna fish but, it was based on the clerk that was shot in the store they brought the groceries from. When the sheriff questioned Stan about the killing he confessed by an accident. Stan said “ I shot the Clerk ?“ he repeated this three times. The Sheriff thought Stan was saying it but Stan was asking if he shot the clerk. This was used as a confession to the crime. The officers then allowed Will and Stan to make a phone call. Will called his mom asking for a lawyer but, his mom said she would send his cousin Vinny who is lawyer.

College

Today I finally completed all of my college work for my EOP. I am so proud of myself because even though it was very stressful I never lost focus or gave up on myself. I hope that I get accepted to the college of my choice. I am a little nervous about attending college, but I am ready for the new experience. I feel going away to college will teach me and help me learn about many new thing. I know I will meet new people and hope that I find the perfect career choice. I am also very proud of myself because I will be the first person in my family to attend college. I know i am making my family proud and myself. My family has helped support me during my schools years and they support always encouraged me better myself. My top two college choice are SUNY Plattsburg and Oneonta. I recently had an interview with one of the EOP counselor's of Oneonta. I think I did really well with my interview. I feel that me and the counselor interacted very well and because of this I feel i have a high chance pf getting in. He actually told me he wanted me to come to the school as long as I sent my EOP forms in that i would be good. When I was prpearing my self for this interview it was a little nerve wrecking for me. I was scared to say the wrong thing, or seem to shy, but when I walked in their I knew I had to put all this to the side. I think I really did a good job of showing who i was and that i was a very positive person. The thought of going to college is a very bittersweet thought for me. I am happy that I will go o in life and accomplish many of my goals, but being away from my family is a little scary for me, but i know i will make them very proud.