Outline created by Ms. LaQuee /Brogley and adapted by Ms. Kaminski
Topic: College Students and Credit Card Debt
Thesis Statement: Credit Cards are dangerous because they give you a false sense of security, have
traps, and can ruin your future financial goals.
INTRODUCTION: (Note: LABEL each part)
Label
parts of
intro AND
concl
I.
(Attention Getter) I am only 25-years-old and I owe credit card companies over $7,000
dollars. I have nothing grand to show for it. And no way to easily get out of it.
II.
(Credibility Statement) When I was 19 I signed up for my first credit card in college.
III.
(Relevancy Statement) You will soon will be flooded with offers for credit cards. It’s essential
that you understand what can quickly happen to you too.
IV.
(Preview Statement) Today, I’ll be mentioning why credit cards are dangerous. They, one,
give you a false sense of security. Two, have traps, and Three, can ruin your future financial
goals.
BODY: (Note: this part is NOT written in sentences)
V.
False sense of security
A. Easy to get a credit card.
1. College Campus
2. My experience
a. Lunch Line
b. Free T-shirt
c. Sign Up
d. Credit Card
e. First few days of school
f. UW-Oshkosh shirt
3. Non-college kids still be swamped with ―deals‖
a. Your name and address
b. Quick and easy offers
c. Credit card offers
d. Mailings at home
B. How I used the $
1. Pay Off Truck
2. Nice Gifts
3. Computer
C. Every day uses
1. Small Amounts
2. Keep Track
3. Payoff Balance
VI.
Credit Card companies numerous traps
1. Start with low rates
2. ―Truth about Credit‖ results
a. Average Percentage Rate
b. Introductory Offer
c. Increased Rate
Body is in Key
words and
phrases Not
sentences.
Write intro and
concl in sent in
outline but NOT
on notecards or
PP
3. Problems with higher rates later
a. Minimum Payment
b. Finance Charges
c. Principal
A. Additional costs
a. Lost my bill
b. Late fee
VII.
Credit cards after school can ruin financial goals
A. Prevent you from borrowing when you really need it
1. Buying a home
2. Handle Debit
3. Denied Future Loans
1. A fair amount of money is going towards debt
2. Pay Off
3. How much to pay
4. Interest
B. Consolidated by credit card debt
1. Lower Rate
2. Direct Withdraw
Label parts
of concl
Write concl in
sentences on
outline
VIII.
(Summary Statement): I have informed you about why credit cards are dangerous. They,
one, give you a false sense of security. Two, have traps, and Three, can ruin your future
financial goals.
IV.
(Memorable Closing): Please understand, that while you are still 2 years away from obtaining
them, they are lethal. Jumpstart, tested a large class of high school seniors on personal
finance skills. 57% of them flunked. Learn how to be smart now, so you don’t end up in a
situation like mine. Take it from me—credit cards are junk!
Do NOT write out the intro or concl. on the Power Pt. or on your slides
ONLY on the outline. However, you should SAY what you wrote
during your speech. Many people forget that.
If you have an A, you must have a B. If you have a 1, you must have a 2.
An outline is required and Outline means OUTLINE--NO Web or Map (You
may use Inspiration to create it.)
You may NOT bring up your outline--only NOTE CARDS w/ key words and
phrases.
MEMORIZE your intro and concl. You write it out only to PLAN what you
say. You may jot down key words to remind yourself if desired. However,
do NOT read to us. TALK to us.
PRACTICE, PRACTICE, PRACTICE—The more you practice, the more
comfortable you will feel. You must also practice it several times to ensure
the time is within the allotted range. The grading is NOT that easy on this
so BE Prepared!
A Power Pt is required – specific slide requirements given
If you have an A, you MUST have a B. If you have a 1, you MUST have a
2. This is not my rule but a general outlining rule.
Make sure you LABEL the parts of your outline like in the intro and concl.
The intro and concl should be in sentences (on the outline only) and the
body should be in KEY WORDS and PHRASES.
The first letter of each line should be capitalized.
You should use INSPIRATION for your outline.
SEE SAMPLE OUTLINE PROVIDED
INSPIRATION RECOMMENDED:
IF you can’t finish it in class, you can print out what you have and finish it in Word and then
staple the two pages together. No problem. Word has an outline feature too. Whatever
means you use is fine, as long as the formatting (numbering, lettering, spacing, etc.) is like the
sample provided.
TOPIC SELECTION:
Do NOT select a topic you’ve
researched or presented in
another class.
Also we are doing a speech on
an inspirational person in our
research unit. So you may
want to save your favorite
inspirational person for that
unit.