Mrs. Romer, my third-grade teacher, gave a brief description of the parts of speech: noun, verb, adjective; then asked us to list as many examples as we could for each category which she wrote in brightly colored markers, a different color for each part of speech, on large chart paper. I do remember the colors which pleased my eye.
What makes me remember this entire lesson, however, was when she had the class stand up from our seats to perform the actions of the words we had listed on the “Verbs” poster: jump, skip, walk, stand, dance… Together we
moved. The children of the class jumped. We skipped. We walked in a circle around the classroom. We stopped and stood. We danced!
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Financial education is essential for achieving our economic goals and improving our quality of life. A critical part is understanding how we receive and manage our salary.
Today, there are several ways to receive your pay, such as cash, checks, direct deposits, and others. Each method has its advantages and disadvantages, understanding them can help you avoid unnecessary expenses. For example, did you know when cashing a check, some banks waive fees if you have an account with them; however, the availability of funds may depend on the bank’s policies.
Your paycheck stub is another crucial component. This document provides detailed information about your gross
pay, mandatory deductions (like federal and state taxes), voluntary deductions (such as retirement plans and insurance), and your net pay—the amount you actually “take home”. It also includes personal information and details about the pay period, making it important to store securely.
Understanding these deductions and how they impact your income will enable you to plan better for your financial future. Managing your finances with knowledge not only improves your ability to save and spend wisely but also strengthens your long-term financial security. Start by getting to know your paycheck!
If you have any questions, do not hesitate to contact me!