Lesson 10–Education and Advancement–Read the packet

Zig Ziglar YouTube Movie #1

Zig Ziglar YouTube Movie #2

Zig Ziglar YouTube Movie #3

In a Google Doc, write a summary of what you learned about setting goals (use the 5 part summary with a twist). Be sure to do a thorough job of summarizing the main idea, using good grammar, and explaining how you can use what you learned in your life. Also, list at least 1 short term goal (to be accomplished by the end of the school year), 1 long term goal (to be accomplished in the next 5 years). Use this web site to help you write specific goals.

Pick a career

Conduct research on your career choice. Use Google Docs (create a Presentation, not a Document) to organize your findings. Share the presentation with my when you are done. Here are some questions you may what to answer in your research:

  1. Skills needed
  2. Pay–how much, hourly, salary, benefits
  3. Education–where, cost
  4. On the job training
  5. Where are the jobs located?
  6. What is the outlook for jobs

Aptitude Test

In a Google Doc summarize the results of your aptitude test. What careers were recommended? What degree programs could you enroll in? How can you use what you learned?

Go to Glogster, establish a free account, create a poster illustrating a career of your choice.

 

Finish your career research Google presentation and share it with me. If you finish early, what the following video clips:

College Loans YouTube Video

Choosing a Major

Career Advice

Write a summary of the movies you watched today (use the 5-Part Summary with a Twist). What did you learn from them? How can you use what you learned in the future? Submit this in a Google Doc. Share this with at least 2 other classmates.

 

Finish your Google Presentation and share it with me. Below is the MINIMUM amount of information you need to share with the class. Remember you can earn WOW points for above and beyond effort or extra credit points if you have your parents help you.

  1. Average pay
  2. Cost of post-secondary education
  3. Daily duties
  4. Pros
  5. Cons

Lesson 10 Packet:

  1. p. 96–Answer question #1 only in a Google Doc. SHOW YOUR WORK. LABEL YOUR ANSWER!!
  2. p. 97-98–Read and do–Answer questions 1-4 in the same Google Doc as you answered #1 on page 96. Do everything in order. Use the Tutorial to help you!!!

Place the following terms into the following sentences using a Google Doc. Use your Lesson 10 packet to help you. We will share with the class.

  1. Scholarship–2nd word
  2. Internship–last word
  3. Sallie Mae–1st words
  4. Networking–last word
  5. Apprenticeship–1st word

Finish Lesson 10 Packet:

  1. p. 96–Answer question #1 only in a Google Doc. SHOW YOUR WORK. LABEL YOUR ANSWER!!
  2. p. 97-98–Read and do–Answer questions 1-4 in the same Google Doc as you answered #1 on page 96. Do everything in order. Use the Tutorial to help you!!!

Lesson 10 Test–Edmodo

Complete any make up work–check JMC

MAJOR EXTRA CREDIT: Set up a guest speaker to speak to our class either in person or through Skype on any business related topic!!

Lesson 11

Watch the following videos and write a summary (use the 5-part summary with a twist). Be sure to include a thorough summary of each and how you can use what you learned in each video in your real life.

 

Lesson 11

Watch the following videos and write a summary. Be sure to include a thorough summary of each and how you can use what you learned in each video in your real life.

  1. Lesson 11 Questions–Read pages 99-101 in the Lesson 11 packet. Answer questions 2-4 in a Google Doc and share it with me. Be sure to use COMPLETE sentences!! (You may do #1 for extra credit)
  2. Lesson 11 Siminulation–Read and do pages 103-104 in the Lesson 11 packet. Answer the questions in a Google Doc.

Lesson 11

How to Set Up a Strong But Memorable Password

Tips for Creating a Secure Password

Wi-Fi Busters: Is Wireless Secure?

Computer Basics: What is a DSL Modem?

Do you really trust Wi-Fi over DSL? Use the Internet to find information on this and write a letter to a potential DSL customer explaining why DSL is more secure over Wi-Fi. Share the letter with me through Google Docs.

Complete:

  1. Lesson 11 Questions–Read pages 99-101 in the Lesson 11 packet. Answer questions 2-4 in a Google Doc and share it with me. Be sure to use COMPLETE sentences!! (You may do #1 for extra credit)
  2. Lesson 11 Siminulation–Read and do pages 103-104 in the Lesson 11 packet. Answer the questions in a Google Doc.

 

Lesson 11–Finish the game

Visit Bellevue State Bank and Bank of America’s web sites. Based on what you have learned in this unit so far, create a list of pros and cons for each web site. Would you like to be a customer there? What do they offer through their online banking? Does it seems secure and easy to use?

  1. Questions for Guest Speaker–Make sure there are GOOD questions! Everyone should try to come up with 3-5 questions to ask Kelly on Thursday. Be prepared!!!! Share the Google Doc with me.
  2. Create a Prezi or Glog on one of the terms below:
    • Fraud
    • Identity Theft
    • Phishing
    • Password

    Your Prezi or Glog must include the following:

    1. Who would most likely use the word
    2. A picture illustrating the word
    3. Non examples of the word
    4. What is most important to know about the word
    5. Give an example
    6. What personal relevance does the word have?
    7. List other related words
    8. Tell a story to illustrate the word

    You are encouraged to go for “WOW!” points by including YouTube videos, clipart, pictures, screencaptures, etc.

How Do You Do Your Banking booklet

Chapter One: What Kind of Car Do You Want? By the end of this unit you will know how to write SMART goals.

  1. Read pages 3-4
  2. Goal Mapping Worksheet (minus the bottom)
  3. Goal Writing: Re-write each statement below so that it meets the four criteria for writing SMART goals:
    1. Go to Paris
    2. Make good grades
    3. Save some money for this summer
    4. Buy a fabulous Italian sports car costing $150,000 three years from now
    5. Buy a stereo in six months
  4. Goal Mapping: You goal is to buy a used car that is highly rated by Consumer Reports and costs no more than $4,600 twenty-four months from now. Write this goal at the top of the worksheet. Analyze the list of tasks required to reach the goal. The list contains three milestones and 3 steps steps for each milestone, but they are not in the correct order. Identify the milestones and steps and put them in the correct order.

Finish Lesson 11

  1. Share your Glog/Prezi/Blog from last class with your teacher and your classmates. Please share feedback with your classmates–when you receive one of your classmate’s projects look at and offer constructive criticism or positive feedback–share your comments with your classmate and me.

CHECK JMC!!!!

Test next class

Lesson 11 Test

Make up work

Begin Stock Market Game Lessons–Game begins March 12 and ends on May 18

  1. Teams–Usernames & Passwords
    1. Team 1
      1. Josh Blake
      2. Kyle Kieler
      3. Brittnay Scholtes
    2. Team 2
      1. Jarrett Friederick
      2. Devon Bormann
    3. Team 3
      1. Dan Brown
      2. Bryce Green
      3. Chris Yauck
    4. Team 4
      1. Jake Till
      2. Joey Pitts
      3. Nick Schwager
    5. Team 5
      1. Alicia Urbain
      2. Travis Carton
      3. Austin Traman
  2. Team Assignments
  3. Team Building Skllls Activity
  4. Team Consensus Building Evaluation Chart

Stock Market Game

  1. Rate ALL your teammates for this WEEK
  2. Read the SMG Week In Review–Go to your Google Docs. I shared the Doc with you. Just read and relax!! Share a summary with me in Google Docs
  3. Review for the Financial Capability Challenge

Take the 2011 National Financial Capability Challenge–THIS WILL GO IN THE GRADE BOOK FOR 3RD QTR!!!! March 12 is first day to take it. Last day is April 13.

SMG Week in Review from the Week of March 9–Read the message and share a 5 sentence summary of the article.

STOCK MARKET GAME BEGINS

Stock Market Game

  1. How the Stock Market Works–We will view this together.
  2. Stock Market Game Rules–Go to the SMG web site, login, read ALL the rules!! You will be quizzed on them next class!!
  3. Mutual Funds–YOU WILL BE QUIZZED IN THIS NEXT CLASS!! BE SURE YOU CAN ANSWER THE QUESTIONS!!!!
    1. What are Mutual Funds?
      1. BE SURE YOU CAN ANSWER ALL THE QUESTIONS!!
    2. Researching Mutual Funds
      1. What is a prospectus?
      2. What does a prospectus contain?
      3. Where can you find a funds prospetus?
      4. What does NAV stand for?
      5. What is YTD % Ret?
    3. Mutual Funds in The Stock Market Game
    4. Mutual Funds Research Activity.
      1. Use InvestorPoint and the Investor Research Center in the SMG (it is at the top of your screen when you are logged in)
      2. Choose 5 Funds by Family that you would like to research.
      3. In a Google Doc, for each fund, find the following
        1. Fund Name
        2. Exchange – the exchange on which the fund is traded
        3. Currency – the currency in which it is traded (USD is US Dollars)
        4. RIC – RIC code (ticker symbol with the letter indicating the exchange). The ticker symbol will be the five letters before the period (i.e., VAAPX).
        5. NAV – net asset value, or price per share (fund investments – fixed liabilities / # of fund shares). This will change each day, based on the previous close.
        6. NAV net chg – change from previous close
        7. Offcl Code – official code number used by Reuters system
        8. Offer – NAV plus load, if any
        9. Prv. NAV – previous NAV value
        10. Prv. NAV date – previous close date
        11. Dividend – dividends distributed this year
        12. Cap. gain – capital gains distributed this year
        13. Which of the 5 would you or would you NOT invest in. Explain your answer.

Rate ALL your teammates for this WEEK

    1. Review the Stock Market Game Rules
    2. Stock Market Game Rules Quiz–Go to Edmodo–This WILL NOT go in my grade book. Be sure you understand the ones you miss!
    3. Finish Mutual Funds Activity
  1. Mutual Funds Research Activity.
    1. Use InvestorPoint and the Investor Research Center in the SMG (it is at the top of your screen when you are logged in)
    2. Choose 5 Funds by Family that you would like to research.
    3. In a Google Doc, for each fund, find the following
      1. Fund Name
      2. Exchange – the exchange on which the fund is traded
      3. Currency – the currency in which it is traded (USD is US Dollars)
      4. RIC – RIC code (ticker symbol with the letter indicating the exchange). The ticker symbol will be the five letters before the period (i.e., VAAPX).
      5. NAV – net asset value, or price per share (fund investments – fixed liabilities / # of fund shares). This will change each day, based on the previous close.
      6. NAV net chg – change from previous close
      7. Offcl Code – official code number used by Reuters system
      8. Offer – NAV plus load, if any
      9. Prv. NAV – previous NAV value
      10. Prv. NAV date – previous close date
      11. Dividend – dividends distributed this year
      12. Cap. gain – capital gains distributed this year
      13. Which of the 5 would you or would you NOT invest in. Explain your answer.
  2. Mutual Funds Quiz–On your own & in my grade book next class!! Review the questions asked in last class’ lesson plan.

Stock Market Game

  1. Get into SMG and look around.
  2. Create a Google Doc and share the following with your teammates and ME Before you leave today:
    1. List 1 useful item you learned about the game.
    2. List 1 thing you don’t understand about the game.
    3. Report on 1 company you think your group should invest in. Be sure to explain WHY you think your group should invest in the company, what the current price per share is, what is the trend of the stock (over the past few months, has it been increasing or decreasing in value). What does the company make? You will need to actually GO to the company’s web site and research the company. Do not simply rely on Reuters or other stock market web sites–GO TO THE COMPANY’S SITE AND LEARN ABOUT THE COMPANY!!!

 

  1. Mutual Funds Quiz–Go to Edmodo. THIS WILL GO IN MY GRADE BOOK!!!
    1. Reading Stock Data
      1. Reading The Newspaper Stock Data
      2. Interpreting Stock Data From The Internet
      3. Jim’s Birthday Present Activity
      4. Finding Parent Companies
        1. www.hoovers.com–Look up Taco Bell together

      Choose several industries (restaurants, banking, oil, telecommunications, etc.) to analyze. Based on your familiarty with companies in the industries and your perceptions of the industry’s outlook:

      1. Is the industry profitable?
      2. Will it continue to be?
      3. What factors will affect the industry’s prospects?
      4. What does it mean to diversify your portfolio?
      5. Use financial web sites that list industries and news about companies in each industry. Select the link “Industries” or “Industry Research.” (www.hoovers.com, http://finance.yahoo.com)

      Complete the Sector/Industry Research Worksheet–on your own. Get it from your teacher.

  1. Rate your teammates
  2. Stock Market Game–check your stocks. Take 20 minutes to do this.

PERSONAL FINANCE GAME LESSON 9 FIXING YOUR CREDIT

Review the tutorial for the indicated sections.

Create a new Google Doc and record your answers as you go. Be sure to use good writing skills and if you are asked to make computations, SHOW YOUR WORK. Share the file with me.

It’s Your Paycheck–Lesson 7 Creditors’ Criteria and Borrowers’ Rights and Responsibilities

EXTRA CREDIT: Pick one of the words below and do a synthesis wheel (get it from your teacher).

  1. Credit
  2. Credit History
  3. Establish credit history
  4. Credit score
  5. Capacity
  6. Character
  7. Collateral
  8. Credit rights
  9. Credit responsibilities

PERSONAL FINANCE GAME LESSON 6 SHOPPING

COMPLETE MARCH & APRIL FOR THE CHECKING ACCOUNT SIMULATION

It’s Your Paycheck–Lesson 8 How Much Are You Really Paying For That Loan?

Place the following in sentences in a Google Doc and share them with me:

  1. Loan
  2. Interest
  3. APR
  4. Payday loan

PERSONAL FINANCE GAME LESSON ??????

It’s Your Paycheck–Lesson 9 To Rent-To-Own Or Not To Rent-To-Own

PERSONAL FINANCE GAME LESSON ??????

Using Glogster, complete a synthesis wheel for ONE of the following terms:

  1. Competent parties
  2. Consideration
  3. Mutual agreement
  1. Be sure Lessons 1-5 and all the assignments listed in JMC for Lessons 1-5 are complete.
    1. REMINDER: DO NOT GO FAST THROUGH THE LESSONS!!!! TAKE YOUR TIME AND DO WELL ON THE POST TESTS!!!!
    2. Also–be THOUGHTFUL in your responses to discussion questions and sentences!! Remember: you are demonstrating to me what you know when you write!!!! Also remember I need to hear your voice in your writing!!!
  2. If you are all caught up, then do: The Car Deal Package. You may not finish it today. That is ok!! Take your time and UNDERSTAND what you are working on!!

PERSONAL FINANCE GAME LESSON 5

National Financial Capability Challenge Prep

  1. Be sure Lessons 1-5 and all the assignments listed in JMC for Lessons 1-5 are complete.
    1. REMINDER: DO NOT GO FAST THROUGH THE LESSONS!!!! TAKE YOUR TIME AND DO WELL ON THE POST TESTS!!!!
    2. Also–be THOUGHTFUL in your responses to discussion questions and sentences!! Remember: you are demonstrating to me what you know when you write!!!! Also remember I need to hear your voice in your writing!!!
  2. The Car Deal Package. You may not finish it today. That is ok!! Take your time and UNDERSTAND what you are working on!!

The Car Deal Package. Do all the lessons! You may not finish it today. That is ok!! Take your time and UNDERSTAND what you are working on!!

Lesson 10–Education and Advancement–Read the packet

Zig Ziglar YouTube Movie #1

Zig Ziglar YouTube Movie #2

Zig Ziglar YouTube Movie #3

In a Google Doc, write a summary of what you learned about setting goals (use the 5 part summary with a twist). Be sure to do a thorough job of summarizing the main idea, using good grammar, and explaining how you can use what you learned in your life. Also, list at least 1 short term goal (to be accomplished by the end of the school year), 1 long term goal (to be accomplished in the next 5 years). Use this web site to help you write specific goals.

Pick a career

Conduct research on your career choice. Use Google Docs (create a Presentation, not a Document) to organize your findings. Share the presentation with my when you are done. Here are some questions you may what to answer in your research:

  1. Skills needed
  2. Pay–how much, hourly, salary, benefits
  3. Education–where, cost
  4. On the job training
  5. Where are the jobs located?
  6. What is the outlook for jobs

Aptitude Test

In a Google Doc summarize the results of your aptitude test. What careers were recommended? What degree programs could you enroll in? How can you use what you learned?

Go to Glogster, establish a free account, create a poster illustrating a career of your choice.

 

Finish your career research Google presentation and share it with me. If you finish early, what the following video clips:

College Loans YouTube Video

Choosing a Major

Career Advice

Write a summary of the movies you watched today (use the 5-Part Summary with a Twist). What did you learn from them? How can you use what you learned in the future? Submit this in a Google Doc. Share this with at least 2 other classmates.

 

Finish your Google Presentation and share it with me. Below is the MINIMUM amount of information you need to share with the class. Remember you can earn WOW points for above and beyond effort or extra credit points if you have your parents help you.

  1. Average pay
  2. Cost of post-secondary education
  3. Daily duties
  4. Pros
  5. Cons

Lesson 10 Packet:

  1. p. 96–Answer question #1 only in a Google Doc. SHOW YOUR WORK. LABEL YOUR ANSWER!!
  2. p. 97-98–Read and do–Answer questions 1-4 in the same Google Doc as you answered #1 on page 96. Do everything in order. Use the Tutorial to help you!!!

Place the following terms into the following sentences using a Google Doc. Use your Lesson 10 packet to help you. We will share with the class.

  1. Scholarship–2nd word
  2. Internship–last word
  3. Sallie Mae–1st words
  4. Networking–last word
  5. Apprenticeship–1st word

Finish Lesson 10 Packet:

  1. p. 96–Answer question #1 only in a Google Doc. SHOW YOUR WORK. LABEL YOUR ANSWER!!
  2. p. 97-98–Read and do–Answer questions 1-4 in the same Google Doc as you answered #1 on page 96. Do everything in order. Use the Tutorial to help you!!!

Lesson 10 Test–Edmodo

Complete any make up work–check JMC

MAJOR EXTRA CREDIT: Set up a guest speaker to speak to our class either in person or through Skype on any business related topic!!

Lesson 11

Watch the following videos and write a summary (use the 5-part summary with a twist). Be sure to include a thorough summary of each and how you can use what you learned in each video in your real life.

 

Lesson 11

Watch the following videos and write a summary. Be sure to include a thorough summary of each and how you can use what you learned in each video in your real life.

  1. Lesson 11 Questions–Read pages 99-101 in the Lesson 11 packet. Answer questions 2-4 in a Google Doc and share it with me. Be sure to use COMPLETE sentences!! (You may do #1 for extra credit)
  2. Lesson 11 Siminulation–Read and do pages 103-104 in the Lesson 11 packet. Answer the questions in a Google Doc.

Lesson 11

How to Set Up a Strong But Memorable Password

Tips for Creating a Secure Password

Wi-Fi Busters: Is Wireless Secure?

Computer Basics: What is a DSL Modem?

Do you really trust Wi-Fi over DSL? Use the Internet to find information on this and write a letter to a potential DSL customer explaining why DSL is more secure over Wi-Fi. Share the letter with me through Google Docs.

Complete:

  1. Lesson 11 Questions–Read pages 99-101 in the Lesson 11 packet. Answer questions 2-4 in a Google Doc and share it with me. Be sure to use COMPLETE sentences!! (You may do #1 for extra credit)
  2. Lesson 11 Siminulation–Read and do pages 103-104 in the Lesson 11 packet. Answer the questions in a Google Doc.

 

Lesson 11–Finish the game

Visit Bellevue State Bank and Bank of America’s web sites. Based on what you have learned in this unit so far, create a list of pros and cons for each web site. Would you like to be a customer there? What do they offer through their online banking? Does it seems secure and easy to use?

  1. Questions for Guest Speaker–Make sure there are GOOD questions! Everyone should try to come up with 3-5 questions to ask Kelly on Thursday. Be prepared!!!! Share the Google Doc with me.
  2. Create a Prezi or Glog on one of the terms below:
    • Fraud
    • Identity Theft
    • Phishing
    • Password

    Your Prezi or Glog must include the following:

    1. Who would most likely use the word
    2. A picture illustrating the word
    3. Non examples of the word
    4. What is most important to know about the word
    5. Give an example
    6. What personal relevance does the word have?
    7. List other related words
    8. Tell a story to illustrate the word

    You are encouraged to go for “WOW!” points by including YouTube videos, clipart, pictures, screencaptures, etc.

How Do You Do Your Banking booklet

Chapter One: What Kind of Car Do You Want? By the end of this unit you will know how to write SMART goals.

  1. Read pages 3-4
  2. Goal Mapping Worksheet (minus the bottom)
  3. Goal Writing: Re-write each statement below so that it meets the four criteria for writing SMART goals:
    1. Go to Paris
    2. Make good grades
    3. Save some money for this summer
    4. Buy a fabulous Italian sports car costing $150,000 three years from now
    5. Buy a stereo in six months
  4. Goal Mapping: You goal is to buy a used car that is highly rated by Consumer Reports and costs no more than $4,600 twenty-four months from now. Write this goal at the top of the worksheet. Analyze the list of tasks required to reach the goal. The list contains three milestones and 3 steps steps for each milestone, but they are not in the correct order. Identify the milestones and steps and put them in the correct order.

Finish Lesson 11

  1. Share your Glog/Prezi/Blog from last class with your teacher and your classmates. Please share feedback with your classmates–when you receive one of your classmate’s projects look at and offer constructive criticism or positive feedback–share your comments with your classmate and me.

CHECK JMC!!!!

Test next class

Lesson 11 Test

Make up work

Begin Stock Market Game Lessons–Game begins March 12 and ends on May 18

  1. Teams–Usernames & Passwords
    1. Team 1
      1. Josh Blake
      2. Kyle Kieler
      3. Brittnay Scholtes
    2. Team 2
      1. Jarrett Friederick
      2. Devon Bormann
    3. Team 3
      1. Dan Brown
      2. Bryce Green
      3. Chris Yauck
    4. Team 4
      1. Jake Till
      2. Joey Pitts
      3. Nick Schwager
    5. Team 5
      1. Alicia Urbain
      2. Travis Carton
      3. Austin Traman
  2. Team Assignments
  3. Team Building Skllls Activity
  4. Team Consensus Building Evaluation Chart

Stock Market Game

  1. Rate ALL your teammates for this WEEK
  2. Read the SMG Week In Review–Go to your Google Docs. I shared the Doc with you. Just read and relax!! Share a summary with me in Google Docs
  3. Review for the Financial Capability Challenge

Take the 2011 National Financial Capability Challenge–THIS WILL GO IN THE GRADE BOOK FOR 3RD QTR!!!! March 12 is first day to take it. Last day is April 13.

SMG Week in Review from the Week of March 9–Read the message and share a 5 sentence summary of the article.

STOCK MARKET GAME BEGINS

Stock Market Game

  1. How the Stock Market Works–We will view this together.
  2. Stock Market Game Rules–Go to the SMG web site, login, read ALL the rules!! You will be quizzed on them next class!!
  3. Mutual Funds–YOU WILL BE QUIZZED IN THIS NEXT CLASS!! BE SURE YOU CAN ANSWER THE QUESTIONS!!!!
    1. What are Mutual Funds?
      1. BE SURE YOU CAN ANSWER ALL THE QUESTIONS!!
    2. Researching Mutual Funds
      1. What is a prospectus?
      2. What does a prospectus contain?
      3. Where can you find a funds prospetus?
      4. What does NAV stand for?
      5. What is YTD % Ret?
    3. Mutual Funds in The Stock Market Game
    4. Mutual Funds Research Activity.
      1. Use InvestorPoint and the Investor Research Center in the SMG (it is at the top of your screen when you are logged in)
      2. Choose 5 Funds by Family that you would like to research.
      3. In a Google Doc, for each fund, find the following
        1. Fund Name
        2. Exchange – the exchange on which the fund is traded
        3. Currency – the currency in which it is traded (USD is US Dollars)
        4. RIC – RIC code (ticker symbol with the letter indicating the exchange). The ticker symbol will be the five letters before the period (i.e., VAAPX).
        5. NAV – net asset value, or price per share (fund investments – fixed liabilities / # of fund shares). This will change each day, based on the previous close.
        6. NAV net chg – change from previous close
        7. Offcl Code – official code number used by Reuters system
        8. Offer – NAV plus load, if any
        9. Prv. NAV – previous NAV value
        10. Prv. NAV date – previous close date
        11. Dividend – dividends distributed this year
        12. Cap. gain – capital gains distributed this year
        13. Which of the 5 would you or would you NOT invest in. Explain your answer.

Rate ALL your teammates for this WEEK

    1. Review the Stock Market Game Rules
    2. Stock Market Game Rules Quiz–Go to Edmodo–This WILL NOT go in my grade book. Be sure you understand the ones you miss!
    3. Finish Mutual Funds Activity

 

 

  1. Rate your teammates
  2. Stock Market Game–check your stocks. Work with your teammates. Tell me what your group decided to do with your stocks today. Did kyou buy? Did you sell? Which stocks? How many? What was the price per share? Why? Take 20 minutes to do this. Please share a Google Doc with me addressing these questions.
  3. Complete Mission 7
  4. In a Google Doc, tell me what you learned from Mission 7. Be sure to address the objectives mentioned in last class’ lesson plan. Be sure to tell me how you can use what you learned in this mission in your life, either now or in the future. USE GOOD GRAMMAR & MECHANICS!! Here are the objectives from Mission 7 that need to be addressed:
  5. Compare & contrast alternative financial institutions with mainstream financial institutions.
  6. TAKE THE TEST OVER MISSIONS 1, 6, and 7. It is in Edmodo.
  7. Check JMC and do make up work. We will do Mission 8 next class.

 

Begin InvestWrite

 

WORK ON INVESTWRITE

You will have today and ALL OF EASTER BREAK to research. Remember to take notes in a Google Doc as you research. Also, be sure to review the rules by clicking the link above.

REMEMBER TO KEEP TRACK OF YOUR RESOURCES!!!!!

 

COMPLETE INVESTWRITE TODAY!!!

Begin writing your essay today. You will make finishing touches to it next class. Review the rules of the contest by clicking the link above. Here are some requirements:

MLA Style:

  1. Double space–CTRL-2
  2. Remove Spacing after paragraphs–From the Home ribbon, click the down arrow of the LINE SPACING button, click REMOVE
  3. Number all pages except the first page–From the Insert ribbon, click PAGE NUMBER, choose Top of Page, choose the third option, click DIFFERENT FIRST PAGE
  4. All margins should be 1 inch–Page Layout ribbon, Margins button, Normal
  5. Include 2 quotes and 2 parenthetical references
  6. Include a Works Cited page at the end.

 

SUBMIT INVESTWRITE ENTRIES

Make finishing touches to your essay!! Send the Word file as an attachment to me in an Edmodo note.

MLA Style:

  1. Double space–CTRL-2
  2. Remove Spacing after paragraphs–From the Home ribbon, click the down arrow of the LINE SPACING button, click REMOVE
  3. Number all pages except the first page–From the Insert ribbon, click PAGE NUMBER, choose Top of Page, choose the third option, click DIFFERENT FIRST PAGE
  4. All margins should be 1 inch–Page Layout ribbon, Margins button, Normal
  5. Include 2 quotes and 2 paraphrased remarks using parenthetical references
  6. CITING SOURCES:
    1. Create Your Sources
      1. References Tab
      2. Style: MLA
      3. Manage Sources
      4. New
      5. Source Type: Web Site
      6. Fill in all info
      7. Repeat for each web site you used
    2. Insert parenthetical references for your quotes and paraphrased remarks
      1. Place cursor in document after quote/paraphrased remark
      2. References tab
      3. Insert Citation
    3. Create Works Cited Page
      1. CTRL-END (goes to end of file)
      2. CTRL-ENTER (creates new page)
      3. References tab
      4. click Bibliography button and choose WORKS CITED
      5. Format Works Cited page
        1. No bold
        2. Double-space
        3. Remove spacing after and before paragraphs
        4. Use same font and font size as used in the report
        5. Center Works Cited

Cards, Cars, & Currency–Lesson 1.

OBJECTIVE: When you have finished this lesson you should be able to:

  • Explain the importance of financial literacy.
  • Explain the importance of taking responsibility for personal financial decisions.
  1. Create a Google Doc, name it CARDS, CARS, & CURRENCY LESSON 1, and share it with me: tracy.weber@bellevue.k12.ia.us
  2. Take the Pre-Test
  3. Read and answer the questions
  4. Play the “game”. How much money did you have left?
  5. Take the Post Test
  6. Complete the Discussion Board–USE GOOD WRITING SKILLS!!

Cards, Cars, & Currency–Lesson 2

  1. Team Folders
    1. Use Dropbox to Share a team folder
    2. In the team folder include the following:
      1. Create a brief company profile for each stock your team owns during the game. Include a summary of the company’s products, where it operates, strengths and weaknesses – especially in comparison to competitors – and copies of the most recent annual income statement and balance sheet (obtained from the company’s annual report or other source).Mutual Fund research for each mutual fund investment, including information about the fund management, types of securities it emphasizes, past and projected returns, etc.
      2. Basic data about stocks in portfolio including:  52 week high and low; PE ratio; volume of trading; Beta; etc.
      3. Research of industry and economic data – Write a paragraph explaining why and how this might affect your stock holdings.
      4. Clippings about stock or mutual funds in your portfolio – These can be newspaper clippings, Internet news articles, magazine ads or articles, etc.
      5. Current price of each stock or mutual fund the team owns at the close of the market each day or week. Put information in an Excel spreadsheet and create charts for each stock or mutual fund.
      6. Detailed record of any buy or sell transactions including:  stock or fund name and ticker symbol, date of transaction, number of shares, price per share, total costs, broker’s fees, and current equity. (Justify calculations in portfolio.)
      7. Create your own math problems using information in the portfolio.
      8. Compare data by charting your team holdings with the S&P or Dow Jones averages.
      9. Create a glossary of terms learned throughout the SMG program.
      10. Track state and/or regional rankings.
      11. Use SMG program activities as writing prompts for portfolios or journaling.
        1. Using persuasive writing skills, students can cite their research and “persuade” team to buy or sell certain stocks or mutual funds.
        2. Using reflective writing skills, students can reflect on why a stock or fund did or didn’t do well, why they disagree with a team’s decision, why and how the economy is affecting their stock or particular industry, etc.
        3. Describe a current event and the economic environment that could affect investment decisions.
        4. Write an essay explaining an investment strategy and why it was successful or was not successful.
        5. Write a position paper on a decision made within a company that affected the stock.
  2. InvestWrite?
  3. Portfolios
  4. Understanding Portfolios Stock Market Game Quiz
  1. Before You Invest Pre-Test
  2. What Is A Company? This lesson compares prominent corporations to help students learn about the many facets of public and private companies.
  3. Students will be able to:
    1. Identify and describe the terms: company, partnership, and corporation
    2. Explain the characteristics, advantages and disadvantages of various types of companies.
    3. Explain how companies are formed.
    4. Describe the benefits of forming a business to manufacture and sell a product.
  4. Classroom Discussion & Notes
  5. Read Activity Sheet 1: P & G – Production & Growth
  6. Team Activity
    1. Each team needs to research and evaluate 2 companies producing products that they are familiar with.
      1. One company should be a public company and the other should be a privately held company.
      2. Use Activity Sheet 2: Researching a Company to organize data.
      3. Identify the type of company, the history of the company/product, and the benefits the company has gained from forming this type of business organization.
  7. Thinking Algebraically
  8. Interpreting Statisics
  9. Communicating Quantitative Information
  10. Individual Activity
    1. Donald Trump owns The Trump Organization, his real estate company. This company is privately held. But Trump Entertainment, which owns his Atlantic City casinos, is a publicly owned corporation.
    2. Apply your knowledge of public and private corporations to explain why you believe Trump would have these two different corporate structures.
  11. Application Activity
    1. How does the company structure impact the stocks you pick in SMG? Would you invest in Trump Organization if it “went public”? Why? Why not?
    2. Select 3 famous people who have started companies using http://www.hoovers.com
    3. Write summaries of the products or services of these companies including their corporate structures and advise your SMG teammates on whether the team should invest in these companies.
  12. Enrichment Activities (for extra credit)
    1. Read about the Scotch Tape invention from 3M http://inventors.about.com/library/inventors/blscotchtape.htm or find another company you would like to know more about on the Internet.
    2. Or printout several inventions from http://inventors.about.com/library/inventors/html and present these companies to the class in a PowerPoint presentation.

What Is A Stock?

  1. In this lesson students will learn how they can own parts of public companies by purchasing shares of their stock.
  2. The students will be able to:
  3. Define and give examples of: common stock, investor, risk, public corporation, private corporation, preferred stock, earnings and dividends.
  4. Explain why there is risk involved in stock ownership.
  5. Make decisions as a group on the benefits of investing in stocks verses costs and/or loss of use of capital
  6. Calculate gain and loss from sample stock sales.
  7. Explain the difference between common stock and preferred stock.
  8. Explain how a company will “go public” by issuing an IPO.
  9. Class Discussion
  10. Activity Sheet 1: What is a Stock?
  11. Use the reading to define common stock, preferred stock, and stock exchange.
  12. Explain how a stock “goes public.” What are the advantages and risks of purchasing stock.
  13. In your SMG team visit the IPOs in the Past Year list in the Stock Research section of Yahoo! Finance
  14. The 3 major US exchanges also report on new IPOs:
  15. The New York Stock Exchange – click About NYSE, then Listed Companies, and then IPO Showcase
  16. American Stock Exchange – click Equities then Listed Companies, and then New Listings
  17. The NASDAQ Stock Market – click IPO from the top menu bar
  18. In your team, select 2 companies from the SAME industry and research:
  19. What products and/or services do the companies provide?
  20. Why do you think the company went public?
  21. Compare the results since their IPO. In which company would you invest? Why or why not?
  22. Assessment
  23. Mars Candy Company, producer of Milky Way and other candy, is privately owned. Write a letter to the president of Mars Candy Company explaining:
  24. The reasons for and benefits of going public.
  25. How a company offers its initial stock.
  26. Application
  27. Using Activity Sheet 2: Stock Market Calculations complete problems 1 and 2 to practice calculating the profit or loss from sample stock sales.
  28. Enrichment Activities (for extra credit)
  29. Read Activity Sheet 3: A Tale of Two Companies and do it.
  30. OR
  31. Steve wants to invest $10,000 in PepsiCo (stock symbol PEP)–the company that makes snack foods, and beverages, including Pepsi Cola and Fritos. He must decide whether to buy common stock shares or preferred shares in PepsiCo.
  32. When Steve look at the stock, its common stock shares were selling for $57.38 per share and preferred shares were selling for $71.60. Common stock shareholders are paid a dividend for $1.80 per share, while preferred stock holders earn $2.30 per share of stock.
  33. Give advice to Steve including:
  34. Which kind of stock do you think Steve should buy?
  35. Should Steve accept more risk by buying common shares or play it safe and purchase preferred shares of his favorite company? Justify your answer and be to explain the difference between common stock and preferred stock.
  36. How much Steve would earn in dividends if he invested the $10,000 in common shares and held them for at least a year. How much dividend income would he earn if he invested in preferred shares?
  37. Thinking Algebraically
  38. Interpreting Statistics
  39. Communicating Quantitive Information
  40. Tackling Complex Problems

Stock Market Game

Identifying Ticker Symbols and Interpreting Stock Quotes

Before You Invest Post-Test

2 – Selecting Your Investments
Topic: Lesson Name: What is Diversification? (High School)
Topic: Lesson Name: What is a Bond? (High School)
Topic: Lesson Name: What is a Mutual Fund? (High School)
Topic: Lesson Name: What is Risk? (High School)
3 -Tracking Your Investments
Topic: Lesson Name: What Causes Stock Prices to Change? (High School)
Topic: Lesson Name: Buy, Sell or Hold? (High School)
Topic: Lesson Name: How Does Money Grow Over Time? (High School)
Topic: Lesson Name: Dividends and Earnings (High School)
4 – At the End of the Trading Session
Topic: Lesson Name: How Successful Was My Investment Strategy? (High School)

Lesson 12 Paying Your Taxes

Lesson 12 Paying Your Taxes

Lesson 12 Paying Your Taxes

Lesson 13 Intro. to Investing

Lesson 13 Intro. to Investing

Lesson 13 Intro. to Investing

Lesson 13 Intro. to Investing

Lesson 13 Intro. to Investing

 

Lesson 14 Risk Vs. Return

Lesson 14 Risk Vs. Return

Lesson 14 Risk Vs. Return

Lesson 14 Risk Vs. Return

use https://fefe.arizona.edu/curriculum/advanced-level

mint.com

My Web Site

  1. Introduction to 21st Century Business II Web Site Scavenger Hunt
    1. Review the:
      1. Course Timeline
      2. Class Files
      3. Class Web Sites
      4. Course Grading Procedures
      5. Course Objectives

 

  1. Get your 1/2 page login information from me
  2. Begin with the IT’S YOUR PAYCHECK LESSON 1
  3. Take the Pre-Test
  4. Create a new file in Google Docs and name it LESSON 1 INVEST IN YOURSELF. Record all answers for the questions below.
    1. What is productivity?
    2. What is human capital?
    3. What is the difference between human capital and investment in human capital?
    4. What is the difference in pay between a high school dropout and a high school graduate?
    5. How much does the pay go up when a person achieves a bachelor’s degree? Master’s degree?
    6. What is the human capital/income relationship, on average?
    7. Be sure to check the boxes that apply to each situation toward the bottom.
  5. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this first lesson to your response. Also, make sure you address all the bullet points for this discussion board topic!
  6. Do the review and check your answers
  7. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  8. Take the Student Survey and look at your Post-Test results.
  9. PLAY THE PERSONAL FINANCE GAME ON YOUR COMPUTER–DO LESSON 1 ONLY!!! Follow the directions!stment in your human capital.

Goal:  you will compute the gross pay for a fictional character named John Dough given his hourly wage and the number of hours worked. You will compare gross pay to net pay. You will learn what FICA and federal income taxes are. You will learn how to complete a W-4 form and what a W-2 form is.

  1. It’s Your Paycheck–Lesson 2 “W” Is For Wages, W-4, and W-2
    1. Take the Pre Test
    2. Create a new file in Google Docs and name it LESSON 2 W IS FOR WAGES, W-4, AND W2. Record all answers for the questions below there.
    3. What is income?
    4. What is the difference between wages and salary?
    5. What are some common deductions from a paycheck?
    6. What is included in FICA?
    7. What is the difference between gross pay and net pay?
    8. What does “YTD” stand for?
    9. Are all deductions from the government? Explain.
    10. Who typically pays more in income taxes?
    11. To figure the percentage of his income that John paid in federal income tax, DO NOT USE THE HINT!!! It is confusing. See if you can figure it out!! Show the math in your Google Doc.
    12. What is a W-4?
    13. Who fills out a W-4?
    14. Be sure to click on the links to view John’s W-4, especially the bottom link because it contains the worksheet that explains what each section is about. READ IT!! I know it is difficult to read, but YOU NEED TO KNOW THIS!!!
    15. Now, answer the questions!! Take note of the correct responses.
    16. What does FICA stand for?
    17. What is FICA used for?
    18. Answer the questions and check them!! Take note!!!
    19. What is a W-2?
    20. Who completes the W-2?
    21. Answer the questions. If you miss any, ask for help if you do not understand why!!!
    22. In a note to me in Edmodo, explain the following: Do you have control over whether or not your will receive a tax refund? Explain. What is the drawback to doing this?
    23. What does the government use your income taxes for?
    24. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this first lesson to your response. Also, make sure you address all the bullet points for this discussion board topic!
    25. Do the review and check your answers. ASK if you do not understand!! You will be tested over this material FOR A GRADE!!!
    26. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
    27. Take the Student Survey and look at your Post-Test results.

PLAY THE PERSONAL FINANCE GAME ON YOUR COMPUTER–DO LESSON 2 ONLY!!! Follow the directions!

  1. Create a spreadsheet in Google and share it with me for Worksheet 1
  2. To answer question 1, make the three jobs you qualify for red font color
  3. Create Worksheet 2 below Worksheet 1
  4. Answer questions 2-4 below Worksheet 2

 

It’s Your Paycheck–Lesson 3 Cash The Check And Track The Dough

GOAL: At the completion of this lesson you will be able to:

  • Compare checking accounts, savings accounts and check-cashing services.
  • Explain the importance of maintaining records of deposits, withdrawals and payments from bank accounts.
  • Explain the importance of balancing bank accounts.
  • Fill out and balance a bank account register.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 3 CASH THE CHECK AND TRACK THE DOUGH. Record all answers for the questions below there.
  3. Do the Discussion Board. Be sure to use good writing skills. The class will be able to see what you post!!
  4. What are the similarities and differences between a savings account and a checking account?
  5. Who uses the services of a check cashing store?
  6. Answer all the TRUE/FALSE questions. If you miss one, be sure you understand why. You will be tested over this AND you need to know this for LIFE!!
  7. What is “overdrawing” an account?
  8. What do banks provide in order to help you keep track of your balance?
  9. What is the difference between a routing number and an account number?
  10. Should you have your social security number printed on your checks? Why?
  11. Why should you write the dollar amount in numbers AND words on a check?
  12. Why is it important to sign your checks?
  13. What is the difference between a debit and a credit when using bank accounts?
  14. After you enter all of Andrew’s transactions and click SUBMIT, you will need to move the pop up around so you can check it with your work. How did you do? If you were incorrect, be sure you understand why!!
  15. What would the bank do if Andrew withdrew more money from his account than his balance showed on June 8?
  16. What is overdraft protection?
  17. When balancing Andrew’s account, you will need to click on the BANK ACCOUNT REGISTER (you can move it around on your screen).
  18. Follow the 5 Steps to balancing a checking account.
  19. In a note to me in Edmodo, address the following question using good writing skills: What does it mean to “balance your account”?
  20. What is an outstanding item?
  21. In a note to me in Edmodo, explain the following: If you don’t balance, what should you do? AND Why is it important to balance bank accounts?
  22. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this first lesson to your response. Also, make sure you address all the bullet points for this discussion board topic!
  23. Do the review and check your answers. ASK if you do not understand!! You will be tested over this material FOR A GRADE!!!
  24. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  25. Take the Student Survey and look at your Post-Test results.

PLAY THE PERSONAL FINANCE GAME ON YOUR COMPUTER–DO LESSON 2 ONLY!!! Follow the directions!

  1. Create a spreadsheet in Google and share it with me for Worksheet 1
  2. To answer question 1, make the three jobs you qualify for red font color
  3. Create Worksheet 2 below Worksheet 1
  4. Answer questions 2-4 below Worksheet 2

 

Go to this website: http://www.icansucceed.org/en/high_school/manage_your_money/credit_score/

  1. Visit each of the websites listed.
  2. Tell your parents about their credit report and how they can get 1 free one from each company.
  3. Bring me a signed note from them stating you showed them for extra credit.

It’s Your Paycheck–Lesson 4 Your Budget Plan

GOAL: At the completion of this lesson you will be able to:

  • Define budget.
  • Define income and expenses.
  • Give examples of effective and ineffective budgeting behavior.
  • Identify principles of effective budgeting.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 4 YOUR BUDGET PLAN. Record all answers for the questions below there.
  3. What is a budget?
  4. What is the difference between income and expenses?
  5. What is the most useful function of a budget?
  6. Match the definitions. If you miss any, make sure you understand why.
  7. Play the game. How did you do?
  8. Answer the questions. Be sure to read the answers!!!
  9. What did you learn from the game? How did you do?
  10. Do Review I–be sure you understand if you answer incorrectly.
  11. Do Review II–be sure you understand if you answer incorrectly.
  12. Do Review III–be sure to check your work by clicking SUBMIT and be sure you understand if you answer incorrectly.
  13. What would you tell Maria about her not saving money? Why is saving an important part of a budget?
  14. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this first lesson to your response. Also, make sure you address all the bullet points for this discussion board topic!
  15. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  16. Take the Student Survey and look at your Post-Test results.

PLAY THE PERSONAL FINANCE GAME ON YOUR COMPUTER–DO LESSON 3 ONLY!!! Follow the directions!

  1. Read the GOAL, YOUR SITUATION, and GOOD NEWS
  2. Log in to your Google account and create a New Spreadsheet file in Google Docs–name it: BUDGETING AND SAVING
  3. Part A
    1. Be sure to do the Review for the tutorial sections indicated in #1!!! VERY IMPORTANT and will save you time in the long run!!!
    2. Worksheet 1–create it using the BUDGETING AND SAVING spreadsheet
    3. Question 1–answer it below Worksheet 1
    4. Question 2–answer it below Question 1’s answer
  4. Part B
    1. Answer questions 3-5 below the answer for Question 2
  5. Share the Google Spreadsheet BUDGETING AND SAVING with me.

It’s Your Paycheck–Lesson 4 Your Budget Plan

GOAL: At the completion of this lesson you will be able to:

  • Define budget.
  • Define income and expenses.
  • Give examples of effective and ineffective budgeting behavior.
  • Identify principles of effective budgeting.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 4 YOUR BUDGET PLAN. Record all answers for the questions below there.
  3. What is a budget?
  4. What is the difference between income and expenses?
  5. What is the most useful function of a budget?
  6. Match the definitions. If you miss any, make sure you understand why.
  7. Play the game. How did you do?
  8. Answer the questions. Be sure to read the answers!!!
  9. What did you learn from the game? How did you do?
  10. Do Review I–be sure you understand if you answer incorrectly.
  11. Do Review II–be sure you understand if you answer incorrectly.
  12. Do Review III–be sure to check your work by clicking SUBMIT and be sure you understand if you answer incorrectly.
  13. What would you tell Maria about her not saving money? Why is saving an important part of a budget?
  14. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this first lesson to your response. Also, make sure you address all the bullet points for this discussion board topic!
  15. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  16. Take the Student Survey and look at your Post-Test results.

PLAY THE PERSONAL FINANCE GAME ON YOUR COMPUTER–DO LESSON 3 ONLY!!! Follow the directions!

  1. Read the GOAL, YOUR SITUATION, and GOOD NEWS
  2. Log in to your Google account and create a New Spreadsheet file in Google Docs–name it: BUDGETING AND SAVING
  3. Part A
    1. Be sure to do the Review for the tutorial sections indicated in #1!!! VERY IMPORTANT and will save you time in the long run!!!
    2. Worksheet 1–create it using the BUDGETING AND SAVING spreadsheet
    3. Question 1–answer it below Worksheet 1
    4. Question 2–answer it below Question 1’s answer
  4. Part B
    1. Answer questions 3-5 below the answer for Question 2
  5. Share the Google Spreadsheet BUDGETING AND SAVING with me.

GOAL: Before you leave today you will have your group picked and you will know your topic.

  1. Read the following:
    1. Overview and sample video clip
    2. Step by Step Contest Guide
    3. Contest Rules
    4. How You Will Be Graded
  2. Pick your group
  3. Create a shared Google Doc and folder for this project–share it with all group members and me
  4. Decide on a topic
  5. Create an outline & decide who is responsible for what
  6. Send me a note in Edmodo about what you accomplished today and what you learned.

GOAL: Before you leave today you will have gathered video clips and photos for your project. You will begin creating the video clip.

  1. Review the following:
    1. Overview and sample video clip
    2. Winning Entry From Last Year
    3. Step by Step Contest Guide
    4. Contest Rules
    5. How You Will Be Graded
  2. Send me a note in Edmodo about what you accomplished today and what you learned.

GOAL: Before you leave today you will finish creating your video clip.

  1. Review the following:
    1. Overview and sample video clip
    2. Winning Entry From Last Year
    3. Step by Step Contest Guide
    4. Contest Rules
    5. How You Will Be Graded
  2. Send me a note in Edmodo about what you accomplished today and what you learned.

GOAL: Before you leave today you will present your video clip to the class.

  1. Review the following:
    1. Overview and sample video clip
    2. Winning Entry From Last Year
    3. Step by Step Contest Guide
    4. Contest Rules
    5. How You Will Be Graded
  2. Send me a note in Edmodo about what you accomplished today and what you learned.
  3. MAKE UP WORK!! CHECK JMC!! TODAY IS THE LAST DAY OF THE QUARTER!!

It’s Your Paycheck–Lesson 5 Savvy Savers GOAL: At the completion of this lesson you will be able to:

  • Explain the difference between a non-interest bearing account and an interest-bearing account.
  • Calculate interest compounded semiannually.
  • Explain and demonstrate the Rule of 72.
  • Describe the risk-reward relationship.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 5 SAVVY SAVERS. Record all answers for the questions below there.
  3. What is a non-interest bearing account? Provide an example.
  4. What does the bank do with your money when you deposit it to a savings account?
  5. What is compound interest?
  6. What is so powerful about compound interest?
  7. Do the calculations AND answer all SIX questions.
  8. Make sure all your calculations correct. If not, find out why!!!
  9. What is the rule of 72?
  10. Remember: When something doubles more than 1 time remember to double it the second time based on the new doubled balance…….
  11. When you read about how the rule of 72 applies to credit cards and then you answer the question, click the link provided and look up the current interest rate for credit cards.
  12. Explain how the rule of 72 can be applied to credit cards. Also, what is the current interest rate on credit cards. Provide your own thoughts about this.
  13. What is the relationship between risk and reward? Explain why it is that way.
  14. Do the review–if you miss any make sure you understand why!!!
  15. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this first lesson to your response. Also, make sure you address all the bullet points for this discussion board topic!
  16. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  17. Take the Student Survey and look at your Post-Test results.

 

 

It’s Your Paycheck–Lesson 6 Credit Reports–and You Thought Your Report Card was Important GOAL: At the completion of this lesson you will be able to:

  • Define credit and creditor.
  • Define interest.
  • Compare the advantages and disadvantages related to using credit.
  • Identify the three credit-reporting agencies.
  • Explain the importance of maintaining a good credit history.
  • Identify features on a credit report.
  • Explain the rights and responsibilities related to using credit.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 6 CREDIT REPORTS. Record all answers for the questions below there.
  3. Is credit free? Explain.
  4. What is the price of credit?
  5. What is meant by ” financial intermediaries” when referring to a bank?
  6. How old must you be in order to get a credit card? What is a stipulation if you get one as soon as you are old enough?
  7. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!!
    1. If Katarina continues to make only the minimum payments, she will have to make payments for 52 months and will spend $697. Once she has paid off the sound system, how much interest will Katarina have paid? SHOW THE WORK BEFORE YOU SUBMIT!!
    2. If she is 18 when she buys the sound system and makes only the minimum payments for 52 months, how old will she be when the system is paid off? SHOW THE WORK BEFORE YOU SUBMIT!!
    3. What could Katarina have done with the money she paid in interest on the sound system? ANSWER IN YOUR OWN WORDS.
    4. What could Katarina have done to reduce the amount of interest she paid? ANSWER IN YOUR OWN WORDS.
    5. What could Katarina have done instead of using a credit card to purchase the sound system? ANSWER IN YOUR OWN WORDS.
    6. Was making the minimum payment each month on the credit card a smart way for Katarina to handle her credit? ANSWER IN YOUR OWN WORDS.
    7. What was the interest rate that Katarina was charged?
  8. What is credit history? USE YOUR OWN WORDS!
  9. What information does a credit history contain? USE YOUR OWN WORDS!
  10. Why is credit history important? USE YOUR OWN WORDS!
  11. How does credit history affect YOUR life?
  12. Can you see your credit history? Explain.
  13. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!!
    1. What are some of the credit accounts recorded on Mikhail’s credit report?
    2. What do the solid circles mean?
    3. What do the solid squares mean?
  14. How can YOU (RIGHT NOW) establish credit history?
  15. Visit all three websites listed.
    1. Where can you check your credit score?
    2. What is considered a good credit rating?
    3. What is considered a bad credit rating?
  16. Do the review–if you miss any make sure you understand why!!!
  17. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!!
    1. What are some of the advantages of using credit?
    2. What are some of the disadvantages of using credit?
    3. Why is it best to pay your credit card balance in full every month?
    4. If you can’t pay the entire balance each month, what should you do?
    5. Why is it important to maintain and establish good credit history?
  18. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!! (Advice: You may want to “refer” to you answers for these questions when you get to the Discussion Board.)
    1. What would you tell Todd about the advantages and disadvantages of using credit cards?
    2. What would you tell Todd about his comment that he will have “free money”?
    3. What would you tell Todd about the importance of getting and reviewing his credit report?
  19. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this lesson to your response. Make sure you are demonstrating your knowledge in your response. DETAILS!!! Also, make sure you address all the bullet points for this discussion board topic!
  20. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  21. Take the Student Survey and look at your Post-Test results.

 

FINISH THE FOLLOWING FROM LAST CLASS:

It’s Your Paycheck–Lesson 6 Credit Reports–and You Thought Your Report Card was Important GOAL: At the completion of this lesson you will be able to:

  • Define credit and creditor.
  • Define interest.
  • Compare the advantages and disadvantages related to using credit.
  • Identify the three credit-reporting agencies.
  • Explain the importance of maintaining a good credit history.
  • Identify features on a credit report.
  • Explain the rights and responsibilities related to using credit.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 6 CREDIT REPORTS. Record all answers for the questions below there.
  3. Is credit free? Explain.
  4. What is the price of credit?
  5. What is meant by ” financial intermediaries” when referring to a bank?
  6. How old must you be in order to get a credit card? What is a stipulation if you get one as soon as you are old enough?
  7. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!!
    1. If Katarina continues to make only the minimum payments, she will have to make payments for 52 months and will spend $697. Once she has paid off the sound system, how much interest will Katarina have paid? SHOW THE WORK BEFORE YOU SUBMIT!!
    2. If she is 18 when she buys the sound system and makes only the minimum payments for 52 months, how old will she be when the system is paid off? SHOW THE WORK BEFORE YOU SUBMIT!!
    3. What could Katarina have done with the money she paid in interest on the sound system? ANSWER IN YOUR OWN WORDS.
    4. What could Katarina have done to reduce the amount of interest she paid? ANSWER IN YOUR OWN WORDS.
    5. What could Katarina have done instead of using a credit card to purchase the sound system? ANSWER IN YOUR OWN WORDS.
    6. Was making the minimum payment each month on the credit card a smart way for Katarina to handle her credit? ANSWER IN YOUR OWN WORDS.
    7. What was the interest rate that Katarina was charged?
  8. What is credit history? USE YOUR OWN WORDS!
  9. What information does a credit history contain? USE YOUR OWN WORDS!
  10. Why is credit history important? USE YOUR OWN WORDS!
  11. How does credit history affect YOUR life?
  12. Can you see your credit history? Explain.
  13. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!!
    1. What are some of the credit accounts recorded on Mikhail’s credit report?
    2. What do the solid circles mean?
    3. What do the solid squares mean?
  14. How can YOU (RIGHT NOW) establish credit history?
  15. Visit all three websites listed.
    1. Where can you check your credit score?
    2. What is considered a good credit rating?
    3. What is considered a bad credit rating?
  16. Do the review–if you miss any make sure you understand why!!!
  17. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!!
    1. What are some of the advantages of using credit?
    2. What are some of the disadvantages of using credit?
    3. Why is it best to pay your credit card balance in full every month?
    4. If you can’t pay the entire balance each month, what should you do?
    5. Why is it important to maintain and establish good credit history?
  18. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK THE SUBMIT BUTTON!!! (Advice: You may want to “refer” to you answers for these questions when you get to the Discussion Board.)
    1. What would you tell Todd about the advantages and disadvantages of using credit cards?
    2. What would you tell Todd about his comment that he will have “free money”?
    3. What would you tell Todd about the importance of getting and reviewing his credit report?
  19. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this lesson to your response. Make sure you are demonstrating your knowledge in your response. DETAILS!!! Also, make sure you address all the bullet points for this discussion board topic!
  20. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  21. Take the Student Survey and look at your Post-Test results.

PERSONAL FINANCE GAME LESSON 9 FIXING YOUR CREDIT

  1. Get into the game and Mmake note of the following as you go:
    1. #1–Review the tutorial for the following items: (THIS SHOULD TAKE YOU 15 MINUTES OR LONGER!!!! DO NOT SKIP THIS!!!)
      1. Credit Score, Credit Report, Shop for a Car, Shop for Food & Pay Bills
    2. #2–Open the handout for Lesson 9 and read & do it.
    3. #3–Create a new Google Doc and record your answer. Be sure to use good writing skills. Share the file with me. Be sure to explain what constitutes a good/bad credit score. Use the Internet to help, if needed.
    4. #4–Respond in the Google Doc created in #3. Be sure to explain WHY they are considered problems.
    5. #5–Respond in the Google Doc. Be sure to provide explanation.
    6. #6–Read and do this VERY carefully, step by step!!!
    7. #7–Respond using good writing skills in the Google Doc created for this lesson. Provide explanation about how and why it is fixed.
    8. #8–Respond using good writing skills in the Google Doc created for this lesson. Provide explanation.
    9. #9–Respond using good writing skills in the Google Doc created for this lesson. Provide explanation to demonstrate your knowledge.

STOP HERE

 

 

 

iFlip CHALLENGE https://apps.iowacollegeaid.gov/marketing/docs/IFLPVideoClipFlyer2014.pdf?mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D http://www.iowacollegeaid.gov/Highlights/videochallengecontestguide.html?mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D http://www.iowacollegeaid.gov/Highlights/videochallengerules.html?mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D http://www.youtube.com/watch?feature=player_embedded&v=fSFYbWmSh_o&mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D http://www.iowacollegeaid.gov/Highlights/videochallenge2013.html?mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D https://apps.iowacollegeaid.gov/marketing/docs/IFLiPVideoCLiPNameImageAudioRelease.pdf?mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D https://apps.iowacollegeaid.gov/marketing/docs/IFLiPVideoCLiPVideoSubmissionForm.pdf?mkt_tok=3RkMMJWWfF9wsRonvajMZKXonjHpfsX57eUqX6C2lMI%2F0ER3fOvrPUfGjI4GScV0aPyQAgobGp5I5FEMS7DYRaN6t6wFXw%3D%3D https://fefe.arizona.edu/curriculum/advanced-level Check out this website: http://www.investopedia.com/

  1. Sign up
  2. Click the Personal Finance menu
  3. Click the Credit Cards submenu
  4. Click2 GET STARTED to compare major credit cards–you will need this site to help with your group project: Now, open the file and pick your group.

Check out this website: http://www.investopedia.com/

  1. Sign up
  2. Click the Personal Finance menu
  3. Click the Credit Cards submenu
  4. Click GET STARTED to compare major credit cards–you will need this site to help with your group project: Now, open the file and pick your group.

PROBLEM: You need to replicate a credit card statement using spreadsheet software (Google or Excel) and you need to figure out how long certain people will take to pay off their credit cards.

  1. OPEN: Playing With Plastic–Credit Card Project
    1. Complete #4 (share it with me: tracyweber34@gmail.com or send to me as an Edmodo note attachment)
    2. Do #5–Record your answers in a Google Doc & share it with me: tracyweber34@gmail.com

PROBLEM: You need to figure out how long certain people will take to pay off their credit cards and you need to brush up on your knowledge of credit cards so you can serve as a consultant to others and offer them advice.

  1. OPEN: Playing With Plastic–Credit Card Project
    1. Complete #5–Record your answers in a Google Doc & share it with me: tracyweber34@gmail.com
    2. Do #6–There are no provided links. As a group, search for the answers online. Use good writing skills.
  2. Iowa Financial Literacy Video Challenge
    1. Winning Entry From Last Year
  3. OPEN: Playing With Plastic–Credit Card Project
    1. Complete #6–There are no provided links. As a group, search for the answers online. Use good writing skills.
    2. Do #7–Create the handout using a Google Doc and share it with me. You are the CREDIT CARD expert!! Sound like one!!! Use good writing skills!!! THIS IS THE FINAL ACTIVITY OF THE CREDIT CARD UNIT!!! This will be graded as a project/test!! MAKE IT GOOD!!!

PROBLEM: You need to brush up on your knowledge of credit cards so you can serve as a consultant to others and you need to create a Tips handout to offer to your credit card clients.

  1. OPEN: Playing With Plastic–Credit Card Project
    1. Complete #5–Record your answers in a Google Doc & share it with me: tracyweber34@gmail.com
    2. Do #6–There are no provided links. As a group, search for the answers online. Use good writing skills.
  2. Iowa Financial Literacy Video Challenge–THIS IS YOUR TEST!!!
    1. Winning Entry From Last Year

It’s Your Paycheck–Lesson 7 Creditors’ Criteria and Borrowers’ Rights and Responsibilities

GOAL: At the completion of this lesson you will be able to:

  • Define credit and creditor.
  • Define interest.
  • Identify and describe criteria lenders use to make loans.
  • Explain the rights and responsibilities related to using credit.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 7 CREDITORS CRITERIA AND BROWERS RIGHTS & RESPONSIBILITIES. Record all answers for the questions below here.
  3. What is credit?
  4. What is the price of credit? Explain.
  5. What are the 3 C’s of credit? How are they used? Who uses them? Why? Give an example of each.
  6. Compare and contrast credit rights and credit responsibilities. This should be a paragraph of at least 5 sentences–probably much more.
  7. PLEASE ANSWER EACH OF THE FOLLOWING QUESTIONS BEFORE YOU CLICK CHECK ANSWER.
    1. What credit rights & responsibilities did you choose that apply to Alissa? Were you right?
    2. What credit rights & responsibilities did you choose that apply to Max? Were you right?
    3. What credit rights & responsibilities did you choose that apply to Amanda? Were you right?
    4. What credit rights & responsibilities did you choose that apply to Darryl? Were you right?
    5. What did you learn from the 4 scenarios above?
  8. Do the review–if you miss any make sure you understand why!!! Ask if you do not. THIS IS YOUR RESPONSIBILITY!!
  9. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this lesson to your response. Make sure you are demonstrating your knowledge in your response. DETAILS!!! Also, make sure you address all the bullet points for this discussion board topic!
  10. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  11. Take the Student Survey and look at your Post-Test results.

EXTRA CREDIT: Pick one of the words below and do a synthesis wheel (get it from your teacher).

  1. Credit
  2. Credit History
  3. Establish credit history
  4. Credit score
  5. Capacity
  6. Character
  7. Collateral
  8. Credit rights
  9. Credit responsibilities

It’s Your Paycheck–Lesson 8 How Much Are You Really Paying For That Loan?

GOAL: At the completion of this lesson you will be able to:

  • Define loan, payday loan, interest rate and annual percentage rate.
  • Calculate an annual percentage rate.
  • Explain key facts regarding payday loans.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 8 HOW MUCH ARE YOU REALLY PAYING FOR THAT LOAN? Record all answers for the questions below here.
  3. What is the price of using someone else’s money?
  4. How is the actual interest rate charged different from the APR? Explain.
  5. What pieces of information must a consumer know when using an APR calculator?
  6. Answer all 3 questions. What did you notice about the term and loan amount in all the situation?
  7. What is a payday loan?
  8. What is the typical term for a payday loan?
  9. How much is a typical payday loan?
  10. What fees do payday loans have?
  11. When rollover fees are included, what is the range for the annual percentage rate of payday loans?
  12. Most people who utilize payday loans, pay them back. True or false. Explain why you think this is the case. Use the Internet to help.
  13. Using the Internet, figure out Iowa’s payday loan regulations.
  14. Do the review–if you miss any make sure you understand why!!! Ask if you do not. THIS IS YOUR RESPONSIBILITY!!
  15. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this lesson to your response. Make sure you are demonstrating your knowledge in your response. DETAILS!!! Also, make sure you address all the bullet points for this discussion board topic!
  16. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  17. Take the Student Survey and look at your Post-Test results.

For extra credit, write a short story that demonstrates your knowledge of the following terms:

  1. Loan
  2. Interest
  3. APR
  4. Payday loan

It’s Your Paycheck–Lesson 9 To Rent-To-Own Or Not To Rent-To-Own

GOAL: At the completion of this lesson you will be able to:

  • Define contract.
  • Explain the elements of a contract.
  • Evaluate the terms and costs of a rent-to-own contract.
  1. Take the Pre Test
  2. Create a new file in Google Docs and name it LESSON 9 TO RENT TOWN OR NOT TO RENT TO OWN. Record all answers for the questions below here.
  3. What are the key elements of a contract and provide an example of each.
  4. What is “consideration” in a contract and provide a real life example that you might find yourself in someday.
  5. What conditions might make a contract void? What does “void” mean?
  6. How is mutual agreement illustrated in a rent-to-own contract?
  7. Make all the calculations & Click SUBMIT to check your answers. How accurate were you? (You can move the answer box by pointing, clicking, and dragging on the black bar.) EXTRA CREDIT: What percentage more, on average, was each purchase when made as a rent-to-own instead of buying the item at retail?
  8. When would be a SMART time to use a Rent-to-Own store to make a purchase?
  9. Which purchase, of those provided, surprised you the most and why?
  10. Do the review–if you miss any make sure you understand why!!! Ask if you do not. THIS IS YOUR RESPONSIBILITY!!
  11. Click “discussion board” and write your response. Remember, the class will see what you write, so be sure to use good writing skills. You will be graded on your responses, so be sure to APPLY what you have learned in this lesson to your response. Make sure you are demonstrating your knowledge in your response. DETAILS!!! Also, make sure you address all the bullet points for this discussion board topic!
  12. Take the Post Test–THIS WILL GO UNDER THE TEST/QUIZZES/PROJECTS GRADE IN MY GRADEBOOK!!! TAKE YOUR TIME!!
  13. Take the Student Survey and look at your Post-Test results.

For extra credit, write a short story that demonstrates your knowledge of the following terms:

  1. Contract
  2. Consideration
  3. Competent parties
  4. Mutual agreement
  5. Rent-to-Own

 

GOAL: Before you leave today you will have the opportunity to see the relationship between risk and reward when it comes to investments.

  1. PERSONAL FINANCE GAME LESSON–Do Lesson 14: Risk Vs. Return
    1. Create a spreadsheet in Google and share it with me: tweber@bellevue.k12.ia.us
    2. Be sure to do #1–these are all new areas, review the tutorial!!!
  1. Put the following terms in a sentence and share with me in a Google Doc:
    1. Budget
    2. Expense
    3. Income
    4. Non-interest bearing account
    5. Interest
    6. Rule of 72
    7. Risk-reward relationship

PERSONAL FINANCE GAME LESSON 6 SHOPPING

  1. Create a Google Spreadsheet. Name it LESSON 6 SHOPPING. Use it to answer any questions. USE GOOD WRITING SKILLS!
  2. Get into the game and make note of the following as you go:
    1. #1–Review the tutorial for the following items: (THIS SHOULD TAKE YOU 15 MINUTES OR LONGER!!!! DO NOT SKIP THIS!!!)
      1. Shop for goods, shop for food, buy bus tokens, schedule, pay bills
    2. #2–Open the handout for Lesson 6 and read & do it.
    3. #4-Record your answer in the Google Spreadsheet. Be sure to use good writing skills. Share the file with me. Be descriptive and specific and concise.
    4. #5–Fill in the correct amounts & answer question 2. Use good writing skills.
    5. #6–Fill in the last column of Worksheet 1 and answer questions 3 & 4 using good writing skills.
    6. #7–You may need to exit and get back in or save the file as a different name and then open Sim2
    7. #8–Read and do it.
    8. #9–Respond using good writing skills in the Google Spreadsheet created for this lesson. Provide explanation to demonstrate your knowledge.

 

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