And you sure don't have to take the bobbin out!!!!
At the end of the seam, if the needle is down, rotate the wheel with your hand (look in your manual to make sure you are turning it in the right direction), then pull the sewn piece of fabric towards the back of your machine, pulling about 2 inches or so of thread. Clip the thread close to the fabric, leaving enough thread in your machine to start sewing again.