Creditors’ Criteria and Borrowers’ Rights and Responsibilities

Students discuss key terms related to credit and learn how creditors use capacity, character, and collateral as criteria for making loans. Students learn about credit rights and responsibilities. Groups use role-play scenarios to identify and discuss the rights and responsibilities of using credit.   Objectives Students will define credit and creditor, define interest, identify and … Continue reading Creditors’ Criteria and Borrowers’ Rights and Responsibilities

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Categories Credit, Tags , , , , , ,
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Credit Reports – You Thought Your Report Card Was Important

Students complete an activity sheet and discuss the advantages and disadvantages of using credit. Students read a scenario about a young person’s use of a credit card and answer some questions regarding repayment. Students learn about credit history, credit reports and credit-reporting agencies.

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Savvy Savers – Benefits of Interest-Bearing Accounts

Students calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the “rule of 72” and apply it to both investments and debt. They learn that there is a relationship between the level of risk for an investment and the potential reward or return on that investment.

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Categories Banking, Saving & Investing, Tags , , , , , ,
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Your Budget Plan – Spending Behaviors

Students work in pairs to participate in a “Track Star” game that illustrates positive and negative spending behaviors. Each pair of students analyzes the “Track Star” results, identifies effective and ineffective budgeting behaviors, and generates a list of budgeting principles.

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Cash the Check and Track the Dough

Students participate in an activity to learn about checking accounts, savings accounts and check-cashing services. Students learn the components of a check, and they organize and enter information into an account register for a fictitious person in order to determine the person’s balance. Students learn why maintaining account records is important. Students balance a monthly account statement.

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W Is for Wages – W4 and W2 Forms

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

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Categories Earning Money, Tags , , , , , ,
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Invest in Yourself

Students are divided into four groups to produce name tents. Each group produces name tents in a different way to highlight different levels of human capital. Students identify ways in which people invest in their human capital. Students use the Bureau of Labor Statistics Occupational Outlook Handbook to analyze unemployment, educational attainment, and median weekly … Continue reading Invest in Yourself

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Calculating Down Payments as a Fraction

Students will learn to calculate down payments using fractions. Teaching Objectives: Students will learn about down payments. Students will learn to calculate down payments using fractions. Students will review multiplying fractions and whole numbers. Suggested Grade Level 6th – 9th Grade Lesson Excerpt: Many times, we will see word problems that use terms that we … Continue reading Calculating Down Payments as a Fraction

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Categories Borrowing Money, Debt, Money Math, Tags , , ,
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The Election of FDR and the New Deal

Learn about the New Deal and the election of FDR. Teaching Objectives: Students will understand some of the New Deal programs initiated by Franklin Delano Roosevelt and his administration to alleviate the effects of the Great Depression. Students will understand the lasting effects of the New Deal programs. Suggested Grade Level 5th – 8th Grade … Continue reading The Election of FDR and the New Deal

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Categories Basic Money, History of Money, Tags , , ,
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Money Expressions with Two Operations

Students will learn to solve money problems with two or more operations. Teaching Objectives: Students will learn to define an expression. Students will learn to write expressions to solve problems. Students will write expressions and solve problems with two or more operations. Suggested Grade Level 6th – 9th Grade Lesson Excerpt: What is an expression? … Continue reading Money Expressions with Two Operations

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