Read Chapter 19 & 22
Make sure you are reading almost daily in the Blue Econ book in class.
Make sure you are reading almost daily in the Blue Econ book in class.
Goal 9 Vocab review | |
File Size: | 20 kb |
File Type: | docx |
Goal 9 Review 2 | |
File Size: | 32 kb |
File Type: | doc |
Unit 9 - Personal Finance.
Day 1: Everfi/Saving and Investing
Day 1: Everfi/Saving and Investing
- Goal Statement: Explain how proper savings and investing can impact an individual's financial plan and goals.
- Essential Questions - Should I have a savings account? What are the advantages of investing my money? What are the basic things a person needs to know about banking?
- NCSCOS
- Analyze how managing a checking and savings account contributes to financial well being (CE.PFL.1.3)
- Analyze how fiscally responsible individuals save and invest to meet financial goals (CE.PFL.1.5)
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Lesson - Students will be lead through direct instruction on the information related to Saving and Investing as it applies to personal financial literacy. Students will also be introduced to the Everfi - Financial Literacy platform that will be used to deliver our informal assignments for this unit.
- Slideshow for direct instruction - Saving and Investing Notes
- Everfi Registration - Directions for Registering for Everfi below
- Slideshow for direct instruction - Saving and Investing Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Saving and Investing Student notes to continue to build their notebook.
- This can either be printed or digital
- Homework/Asynchronous
- Register for Everfi - Financial Literacy (follow the steps listed on the resource) and complete the introductory survey
- Everfi - Financial Literacy - Banking Basic Module
saving_and_investing.pptx | |
File Size: | 1829 kb |
File Type: | pptx |
Directions for Registering for Everfi – Financial Literacy
Using your Chromebook:
1. Log onto NCEdCloud
2. Click on the Clever Icon on the applications page
3. Click on log on with NCEDCloud on the next screen
4. Under more apps, click on Everfi
5. Go through the registration steps
6. A screen with information about Everfi – Financial Literacy will come up, click on get started
7. Complete the survey
8. You are now ready to get started with the modules in the Everfi – Financial Literacy program
(there is sound involved with all of the programs – please use headphones if you have them to
listen to each module)
There are 7 modules in the program. The modules will take between 30 – 45 minutes. So, budget your
time wisely. You must complete each module’s post assessment (that is the grade that I will use) and
you can work on them as many times as you would like to get the highest grade possible. Each
completed module will be an informal grade.
Using your Chromebook:
1. Log onto NCEdCloud
2. Click on the Clever Icon on the applications page
3. Click on log on with NCEDCloud on the next screen
4. Under more apps, click on Everfi
5. Go through the registration steps
6. A screen with information about Everfi – Financial Literacy will come up, click on get started
7. Complete the survey
8. You are now ready to get started with the modules in the Everfi – Financial Literacy program
(there is sound involved with all of the programs – please use headphones if you have them to
listen to each module)
There are 7 modules in the program. The modules will take between 30 – 45 minutes. So, budget your
time wisely. You must complete each module’s post assessment (that is the grade that I will use) and
you can work on them as many times as you would like to get the highest grade possible. Each
completed module will be an informal grade.
everfi_curriculum_guide_financial_literacy.pdf | |
File Size: | 142 kb |
File Type: |
Day 2: Career and Taxes
- Goal Statement: Explain how responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses, and retirement.
- Essential Questions - What are the differences between wages and salary? How is my income impacted by taxes? What are the deductions from my paycheck and where do they go?
- NCSCOS
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Compare various investing strategies and tax implications for their potential to build wealth (CE.PFL.1.6)
- Lesson - Students will be lead through direct instruction on the information related to Work and Taxes as it applies to personal financial literacy. Students will continue to work on the Everfi - Financial Literacy platform related to income and employment.
- Slideshow for direct instruction - Work and Taxes Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Work and Taxes Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
- This can either be printed or digital
- Homework/Asynchronous
working_and_taxes_notes.pptx | |
File Size: | 2693 kb |
File Type: | pptx |
Day 3: Budget
- Goal Statement: Analyze how proper budgeting can provide for financial security.
- Essential Questions - How does creating a budget directly lead to future financial security? How does earning minimum wage image a person's ability to gain future financial security? How much does it cost to rent an apartment? How financially impactful is buying a new car on a person's budget?
- NCSCOS
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Analyze how managing a checking and savings account contributes to financial well being (CE.PFL.1.3)
- Summarize how debt management and creditworthiness impact an individual’s ability to become responsible consumers and borrowers (CE.PFL.1.4)
- Analyze how fiscally responsible individuals save and invest to meet financial goals (CE.PFL.1.5)
- Compare various investing strategies and tax implications for their potential to build wealth (CE.PFL.1.6)
- Lesson - Students will be lead through direct instruction on the information related to Budgeting as it applies to personal financial literacy. Students will continue to work on the Everfi - Financial Literacy platform related to budgeting.
- Slideshow for direct instruction - Budget Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Budgeting Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
- This can either be printed or digital
- Homework/Asynchronous
- Student work - As the class is covering the information or after the class has covered the information, students should use the Budgeting Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
Budget Notes | |
File Size: | 64 kb |
File Type: | pptx |
Day 4: Consumerism
- Goal Statement: Students will be able to explain how education, income, career, and life choices impact an individual’s financial plan and goals.
- Essential Questions - How does Consumerism impact our daily lives? Can consumerism impact a person's ability to build a strong financial future? What is the difference between needs and wants and how do they impact a person's financial future?
- NCSCOS
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Summarize strategies individuals use for resolving consumer conflict (CE.PFL.2.5)
- Lesson - Students will be lead through direct instruction on the information related to Consumerism and how it can impact a person's person financial future.
- Slideshow for direct instruction - Consumerism Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Consumerism Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
- This can either be printed or digital
- Homework/Asynchronous
- Student work - As the class is covering the information or after the class has covered the information, students should use the Consumerism Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
consumerism.pptx | |
File Size: | 688 kb |
File Type: | pptx |
Day 5: Credit
- Goal Statement: Explain how credit and creditworthiness can impact a person's personal financial health both positively and negatively.
- Essential Questions - Why is credit important? How does credit work? What are pros and cons of credit and creditworthiness?
- NCSCOS
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Summarize how debt management and creditworthiness impact an individual’s ability to become responsible consumers and borrowers (CE.PFL.1.4)
- Explain how consumer protection laws and government regulation contribute to the empowerment of the individual (CE.PFL.2.1)
- Lesson - Students will be lead through direct instruction on the information related to Credit and how it can impact a person's personal financial future.
- Slideshow for direct instruction - Credit Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Credit Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
- This can either be printed or digital
- Homework/Asynchronous
- Student work - As the class is covering the information or after the class has covered the information, students should use the Credit Student notes to continue to build their notebook. Students will also continue to work on Everfi - Financial Literacy modules.
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Day 6: Financing Higher Education
Day 7: Insurance
- Goal Statement: Students will be able to explain how education, income, career, and life choices impact an individual’s financial plan and goals.
- Essential Questions - What sort of education do I need for my career? How much will it cost to complete the education I need for my career? What are the different ways I can pay for my education>
- NCSCOS
- Summarize how debt management and creditworthiness impact an individual’s ability to become responsible consumers and borrowers (CE.PFL.1.4)
- Analyze how fiscally responsible individuals save and invest to meet financial goals (CE.PFL.1.5)
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Lesson - Students will be lead through a discussion on the importance of education/training for their career choice. Students will look at the cost of college and the different ways an individual can pay for college.
- Resource for lesson - https://www.cfnc.org (College Foundation of North Carolina)
- Student work - As a class, we will visit the College Foundation of North Carolina website to search for colleges of interest base on the career we are most interested in pursuing. As a class, we will discuss the cost of college and how an individual can pay for college.
- Homework/Asynchronous
Day 7: Insurance
- Goal Statement: Students will be able to classify the various types of insurance and estate planning including the benefits and consequences.
- Essential Questions - What is insurance and how does it work? Do I need to have insurance?
- NCSCOS
- Explain how consumer protection laws and government regulation contribute to the empowerment of the individual (CE.PFL.2.1)
- Classify the various types of insurance and estate planning including the benefits and consequences (CE.PFL.2.4)
- Summarize strategies individuals use for resolving consumer conflict (CE.PFL.2.5)
- Lesson - Students will be lead through direct instruction related to Insurance and its importance to a person's personal financial security.
- Slideshow for direct instruction - Insurance Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Insurance Student notes to continue to build their notebook
- This can either be printed or digital
- Homework/Asynchronous
- Student work - As the class is covering the information or after the class has covered the information, students should use the Insurance Student notes to continue to build their notebook
insurance_notes.doc | |
File Size: | 24 kb |
File Type: | doc |
Day 8: Stock Market
- Goal Statement: Students will be able to compare various investing strategies and tax implications for their potential to build wealth.
- Essential Questions - What are the advantages and disadvantages of investing in the Stock Market? How does the Stock Market work?
- NCSCOS
- Explain how fiscally responsible individuals create and manage a personal budget that is inclusive of income, taxes, gross and net pay, giving, fixed and variable expenses and retirement (CE.PFL.1.2)
- Analyze how fiscally responsible individuals save and invest to meet financial goals (CE.PFL.1.5)
- Compare various investing strategies and tax implications for their potential to build wealth (CE.PFL.1.6)
- Lesson - Students will be lead through direct instruction on the information related to the Stock Market and how investing in the stock market can be beneficial.
- Slideshow for direct instruction - Stock Market Notes
- Resource - Millionaire Activity
- Student work - As the class is covering the information or after the class has covered the information, students should use the Stock Market Student notes to continue to build their notebook. Student will also participate in an activity related to make sound financial decisions early in their life and career.
- Homework/Asynchronous
- Complete any unfinished modules from Everfi - Financial Literacy
stock_market_notes.pptx | |
File Size: | 61 kb |
File Type: | pptx |
stock_market_notes-student_version.docx | |
File Size: | 13 kb |
File Type: | docx |
Day 9: Fraud
- Goal Statement: Summarize various types of fraudulent solicitation and business practices.
- Essential Questions - What are the different types of fraud that a person can be subjected to? How can fraud impact a person's personal financial security
- NCSCOS
- Explain how consumer protection laws and government regulation contribute to the empowerment of the individual (CE.PFL.2.1)
- Summarize various types of fraudulent solicitation and business practices (CE.PFL.2.2)
- Summarize ways consumers can protect themselves from fraudulent and deceptive practices (CE.PFL.2.3)
- Lesson - Students will be lead through direct instruction on the information related to Fraud and how it relates to a person's personal financial security.
- Slideshow for direct instruction - Fraud Notes
- Student work - As the class is covering the information or after the class has covered the information, students should use the Fraud Student notes to continue to build their notebook.
- Homework/Asynchronous
- Complete any unfinished modules from Everfi - Financial Literacy
fraud_and_scams.pptx | |
File Size: | 773 kb |
File Type: | pptx |
Day 10: Review
- Goal Statement: Students will be lead through a review of Unit #7 (Unit #9 - Personal Financial Literacy) in preparation for their upcoming assessment.
- Essential Question - What do I need to know about Unit #7
- Lesson - Students will participant in a review of Unit #7
- We will log on to:
- joinmyquiz.com
- I will provide a game code to the class and we will complete the following quizzes
- We will log on to:
- Student work - Students will actively review for the upcoming assessment by reviewing the materials from Unit #7, taking part in online quizzes and asking questions for clarification
- Homework/Asynchronous
- Study for your upcoming assessment on Unit #7
Budget Assignment | |
File Size: | 50 kb |
File Type: | doc |
justin_jabowski_and_his_magical_money_machine.pdf | |
File Size: | 64 kb |
File Type: |
notes_-_money_banking_and_the_fed.doc | |
File Size: | 35 kb |
File Type: | doc |
Unit 9:
budget, mandatory spending, discretionary spending, sales tax, property tax, entitlement program, subsidize, intergovernmental revenue, surplus, deficit, bond, debt, balanced budget, impulse buying, save, invest, principle, return, stock, dividend, bond, mutual fund, income tax, expense, credit, collateral, bankruptcy
budget, mandatory spending, discretionary spending, sales tax, property tax, entitlement program, subsidize, intergovernmental revenue, surplus, deficit, bond, debt, balanced budget, impulse buying, save, invest, principle, return, stock, dividend, bond, mutual fund, income tax, expense, credit, collateral, bankruptcy