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This is a essay of sorts big project..

Making Credit Decisions

Credit used wisely is a helpful way to buy large products, such as a vehicle or house. Smart consumers only use credit to buy things they need, not things they want.

Thematic Project Assignment

In this project you will write a speech that describes how to obtain credit and use it wisely. In your speech you also should discuss the misuse of credit and the consequences of using credit unwisely.

Step 1: Brainstorm Skills You Need to Complete This Activity

Your success in business will depend on your skills. Preview the activity, then brainstorm a list of the skills you will need to use to complete the activity and describe how you will use them. Skills you might use include:

  • Academic Skillsreading, writing, math, and science skills
  • Basic Skillsspeaking, listening, thinking, problem-solving, and interpersonal skills
  • Technology Skillsword processing, keyboarding, database, spreadsheet

Skills Preview: Click here to view a graphic organizer you can use to brainstorm the skills you will use to complete the project.

Step 2: Choose a Purchase You Would Someday Like to Make

Think about the cost of the item you want to buy. Is it a vehicle? A DVD player? A sound system? Then think of how you will pay for the item on credit, and how this can help you or hurt you.

Step 3: Build Background Knowledge

Preview information on making credit decisions.

Step 4: Connect with Your Community

Interview two adults in your community about their experiences with credit. Ask the adults what steps they take to help them obtain and then maintain credit. Think about how important it is to maintain a good credit history.

Step 5: Research Business Trends

Use the Internet resources to research technology’s effects on global business. Use the project research checklist as a guide to your research. Keep records of your sources of information.

Step 6: Develop Your Speech

Use word-processing software to develop a short speech that includes all of the information described in the project checklist.

Making Credit Decisions

✔ Make a list of main ideas and supporting details that you want to cover in your speech. Then give your speech to your class.

✔ Have three main points in your speech: (1) how to obtain credit, (2) how to maintain good credit, and (3) what happens if you misuse credit.

✔ Write an introduction for your speech by opening with one of the following: (1) an interesting idea about credit, (2) a fact, such as how many people use credit cards, or (3) a story about how you have or someone you know has used credit.

✔ Include details that support your three main points.

✔ Create a chart that illustrates what a monthly payment will be on a $1,000 loan at 12.99% interest. Use this chart to show how to maintain good credit as well as what happens if you do not make the payment each month.

✔ Wrap up your speech with one of the following: (1) an interesting idea about credit, (2) a fact, such as how many people use credit cards, or (3) a story about how you have or someone you know has used credit.

Self Connections

✔ Describe the results of your interview with an adult family member.

✔ Describe how technology, globalization, and diversity have affected the business and career in which you are interested.

✔ Explain what the investigation and its results mean to you.

Submit your Speech as a word or PDF document.

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