Payment Types

In the Payment Types module on Everfi.com I learned many helpful things. One thing I learned was that with certain paper payment methods – like cash, cashier’s checks, and money orders – you are providing the money for a purchase upfront. With debit cards and checks, however, the money for a purchase comes directly out of your checking account.  I also learned that when you use a credit card to make a purchase, you’re getting a loan from a credit card company. With debit cards (sometimes called check cards), the money is debited directly from your checking account. This information will definitely help me later in life.

Banking

In the banking module on Everfi.com I learned many things. One thing I learned about was the components of a check. The only part of a check you don't have to fill out is the memo line. It is just used as a reminder for what your check is for. Some facts that I learned are the primary goal of the Federal Reserve System is to maintain a safe and stable banking system. Also that, liquidity refers to how easy it is to get at your money. Lastly, if an account has a high liquidity, it is easier to take your money out right away.

Savings

Hi my name is Julia and I would like to share with you what I've learned about saving money. In the savings module on Everfi.com, I learned about the power of interest, and how a few smart financial habits can help you reach your savings goals.

One thing I learned about savings is that the more time you give yourself, the easier it is to save up. When you have a certain goal in only a short amount of time, you’ll have to put aside a lot of money and have less for spending. However, if you have a long period of time, you’ll have to put aside less money and not worry as much about spending.

Another good idea for better ways to save money is by putting your money in a bank and earning interest. When going to a bank, try looking for a plan that has the high interest rate in a short period of time. Interest is money paid regularly at a particular rate. The bank pays you interest because it lends your money out to people, so in return, they pay you small amounts of money. But don’t worry, your money is safe and protected and will always be there when you need it.

There are many other great ways to save up!

Creating Advertising Flyers in Word.

In class, we just learned how to create an advertising flyer. We had to choose a topic and create a Public Service Announcement(PSA). My topic was underage drinking. In my flyer, I included many facts about the harmful effects of drinking alcohol. I also included the consequences of underage drinking. I was able to use so many different tools on Microsoft Word that really helped me make the flyer my own. Hopefully, my PSA can influence other teens to wait until they are the legal age to drink.

Viral World

In the viral world module, I learned about computer hacking and identity theft. It showed me the situation of a boy's social media account being hacked. The hacker was posting lies and making everybody believe that the boy was saying them. I learned, from this scenario, that you should always tell a parent so they can solve the problem right away. The module also taught me how to make secure password and what to keep private on social media. I will be thinking about this module the next time I make a social media account.

Wireless Communications

In the wireless communications module, I learned about many things that could go wrong with your wireless phone. One of these things is texting while driving. The module showed me a scenario where two friends were in a car and the driver was texting. It taught me how to handle that type of situation and what could go wrong. Another thing that it taught me was what to do if an embarrassing photo of yourself gets leaked. I will definitely be using this knowledge in the future and found it very helpful.

Choosing a Computer

In the choosing a computer module, I learned about the hard drive of a computer. The hard drive stores programs, software, and data that you save to your computer. For example, mp 3 files(music), word processing documents and even computer games. I also learned about the CPU which stands for central processing unit. It is the brains of the computer. This information will help me in life by guiding me on how to choose a computer in the future.