tag:blogger.com,1999:blog-26781480028537306452024-03-14T00:32:54.148-04:00Personal Finance for Teens Unleashed Personal Finance for Teens Unleashed - Personal Finance Lessons Designed Especially for Teens.Unknownnoreply@blogger.comBlogger14125tag:blogger.com,1999:blog-2678148002853730645.post-19772728160434363322015-09-13T22:47:00.003-04:002015-09-13T22:51:37.613-04:00Financing a Car - Interactive Lesson<div align="center" class="MsoNormal" style="text-align: center;">
<span style="color: #0070c0; font-family: "Berlin Sans FB","sans-serif"; font-size: 18.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Financing a Car - Interactive
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<b><span style="color: #00b0f0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman";">Ohhh My
First Car</span></b><span style="font-family: Verdana, sans-serif; font-size: 12pt;"> is a great assignment to get your
students hooked on your class at the get–go. It’s the kind of lesson that
grabs kids’ attention and holds it all the way through.<br />
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">It is a great lesson for any Personal Finance class, but if
you happen to have a class full of rambunctious boys this lesson will keep
them engaged.<br />
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">Ohhh My First
Car</span><span style="font-family: Verdana, sans-serif; font-size: 12pt;"> is a bundle of 4 lessons designed to
teach students everything they need to know about purchasing a new or used
car. It is loaded with hands-on activities that teach students the ins and
outs of selecting a vehicle, finding the best interest rates, and calculating
car payments.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">This unit contains 4 lessons on 64 pages in
13 PDF files all for $12.50<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;"> <o:p></o:p></span></div>
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<a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Financing-a-Car-Bundle-641328" target="_blank"><img border="0" height="276" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-KV2IIKlt5gZe4D1Xo0xueHTfdeK8DJDp99LLlcqfZflDnjeNWwNQ_OK1TJwK8_Ft9RcprTRBy-zX2FdAcQuEEa-JlVkXlULSV6QkxoeSVXh8YlMn266cq-wjYK3B7UbUMGRsXP8HKLQ/s320/Cover.jpg" width="320" /></a></div>
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<b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Lesson 1 – Buying a New Car</span></b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">In lesson 1 students will research a new
car using the Internet. They will learn how to select car style,
color, and options. They will learn how to find information on: customer
ratings and reviews, safety and reliability, mileage and warranty. They
will review the vehicle summary and learn the difference between MSRP Price,
Invoice Price, and Smart Target Price.<br />
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">In Lesson 2 students will use the Internet
to research a used car. They will learn what certified pre-owned
means. They will learn how to find information on seller’s notes, as well as
consumer ratings and reviews, safety and reliability, mileage and
warranty. They will learn to research the car’s history including,
accidents, recalls and service records. To help determine if they are paying
a fair price for the vehicle they will learn to use Kelly Blue Book.<br />
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<b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Lesson 3 – Finding the Best Interest Rates</span></b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">In lesson 3 students will use the Internet
to research interest rates. They will learn how to find a loan
from a local bank or credit union that offers the lowest interest rate with
the least amount of fees and conditions for the car they selected.<br />
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<b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Lesson 4 – Calculating Car Payments</span></b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">In lesson 4 students use the Internet to
learn how to calculate monthly car payments based on the price of the car
they chose, and the best interest rates they found in lesson 3. They also
learn how to gather additional information by reading the amortization table.
By completing this lesson students will learn that the price of the car, the
interest rate, and the number of years taken to pay off the car loan all come
into play in determining their monthly car payment, as well as the amount of
interest paid on the loan. They will quickly see that loans are
not free.<br />
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">*This unit is aligned with National Core
standards for Personal Finance.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">*It offers options to make the lessons
within it easier or more challenging.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">*Discussion questions for each lesson are
included in the teacher notes.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">*Each lesson is packed with great
questions, as well as sample answers.<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">*Detailed student directions and teacher
notes are included.<o:p></o:p></span></div>
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PERSONAL FINANCE LESSONS DESIGNED ESPECIALLY FOR TEENS!</span><span style="font-family: Arial, sans-serif; font-size: 10pt;"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><br />
Find me on Twitter at </span><span style="font-family: Arial, sans-serif; font-size: 10pt;"><a href="http://www.twitter.com/financeunleash"><span style="color: #42ce06; font-family: "Verdana","sans-serif"; font-size: 12.0pt; text-decoration: none; text-underline: none;">www.twitter.com/financeunleash</span></a><o:p></o:p></span></div>
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt;">Link to my store: </span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #42ce06; font-family: Verdana, sans-serif; font-size: 12pt;"><a href="https://www.teacherspayteachers.com/Store/Personal-Finance-For-Teens-Unleashed" target="_blank"><span style="color: #848484; text-decoration: none; text-underline: none;">Personal Finance for Teens Unleashed</span></a></span><span style="font-family: Verdana, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-36258032471585865882015-08-27T00:28:00.002-04:002015-08-27T00:38:12.212-04:00A Fun Lesson to Start your Personal Finance Class<div align="center" class="MsoNormal" style="background: white; mso-line-height-alt: 13.85pt; text-align: center;">
<span style="color: #0070c0; font-family: "Berlin Sans FB","sans-serif"; font-size: 18.0pt; mso-bidi-font-family: Tahoma; mso-fareast-font-family: "Times New Roman";">A Fun Lesson to Start your Personal Finance Class<o:p></o:p></span></div>
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<span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;"><br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;">I
like to start the first week of school with a lesson designed to get students
thinking about their personal and financial goals<b> – </b><i>“<a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank">Wonderful Life</a>”.<br />
</i></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;"><br />
Wonderful Life is a fun, interactive project that gives students a chance to
get to know each other while creating a presentation that reveals their goals
regarding career, wages, and lifestyle. It also sharpens their communication
and presentation skills. And as a culminating activity each student presents their
project to the class. It’s a great first lesson.<span class="apple-converted-space"> </span></span><span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;"><br />
<br />
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">I like starting the class off with this
assignment because it eases the students<span class="apple-converted-space"> </span><i>(and
the teacher)<span class="apple-converted-space"> </span></i>into the class,
and it is a fun way for everyone to get to know each other. <span class="apple-converted-space"> </span>It gives the teacher a chance to spend
some one-on-one time with students. <span class="apple-converted-space"> </span>It
also sets the stage for the rest of the course.</span><br />
<br />
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">This is an outstanding lesson, not only for
personal finance, but for any class where the objective is for students to
introduce themselves to the class and talk about their goals and interests.</span><br />
<br />
</span><span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;">Over
2000 teachers have downloaded this lesson from </span><i style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;">Teachers Pay Teachers</i><span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;">. If you have not already grabbed
it, here is the link...</span><i style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;">”<a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank">Wonderful Life</a>”</i><span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;">.</span><br />
<span style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;"><br /></span></div>
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<a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkKRRM-ZMqYMoGq2Kn7zw4ZqLQ2Kk6EEIyUL7zbkyZEaqiJpeq_QM5WmvAUD5gEo2yR65SB6YxhLCLWFSGQkTeyf8KUaNBXNckZ7MhcK4w9o-MBt1Ond-am1_MM_kgUEaRlQ5KXdoy2_g/s400/Wonderful+Life.jpg" width="400" /></a></div>
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<div style="text-align: center;">
<span style="color: #073763; font-family: Arial, Helvetica, sans-serif;"><b><a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank">START SHOPPING HERE!</a></b></span></div>
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<span style="color: #3d85c6; font-family: 'Berlin Sans FB', sans-serif; font-size: 14pt;">PERSONAL FINANCE LESSONS DESIGNED ESPECIALLY FOR TEENS!</span><span style="font-family: Verdana, sans-serif; font-size: 10pt;"><o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin-bottom: 0.0001pt; text-align: center;">
<b style="line-height: 13.85pt;"><span style="font-family: Verdana, sans-serif; font-size: 10pt;"><span style="color: #0b5394;"><br /></span></span></b></div>
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<b><span style="font-family: 'Century Gothic', sans-serif; font-size: 12pt; line-height: 18.3999996185303px;"><span style="color: #0b5394;">Keep updated at...</span></span></b></div>
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<b style="line-height: 13.85pt;"><span style="font-family: Verdana, sans-serif; font-size: 10pt;">Blog:</span></b><span style="font-family: Verdana, sans-serif; font-size: 10pt; line-height: 13.85pt;"> http://personalfinanceforteensunleashed.blogspot.com/</span></div>
<b><span style="font-family: Verdana, sans-serif; font-size: 10pt;">Twitter:</span></b><span style="font-family: Verdana, sans-serif; font-size: 10pt;"> https://twitter.com/financeunleash</span><br />
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<strong style="font-family: Tahoma, sans-serif; font-size: 12pt; line-height: 115%;"><span style="font-family: "Tahoma","sans-serif"; font-weight: normal;"> </span></strong>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-62743110143490120872015-08-20T14:54:00.000-04:002015-08-20T16:02:42.036-04:00A personal finance lesson that fits in anywhere, anytime<div align="center" class="MsoNormal" style="text-align: center;">
<span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #0070c0; font-family: 'Berlin Sans FB', sans-serif; font-size: 20pt; line-height: 115%;">You’ll be amazed at what kids have to say about
money! </span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #0070c0; font-family: 'Berlin Sans FB', sans-serif; font-size: 20pt; line-height: 115%;"><o:p></o:p></span></div>
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<span style="color: #00b0f0; font-family: "Berlin Sans FB","sans-serif"; font-size: 18.0pt; line-height: 115%;">A personal finance lesson that fits in anywhere, anytime!<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br />Here are some lessons that I created to get kids of all
ages talking and thinking about money.
These lessons are designed to fit into your curriculum anywhere,
anytime.<br /> <o:p></o:p></span></div>
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<strong><span style="background: white; color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><a href="https://www.teacherspayteachers.com/Product/Money-Talks-for-Kidz-Money-Conversation-Starters-for-Kids-1231258" target="_blank">MoneyTalks for Kidz</a></span></strong><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"> contains 104
conversation starter cards that are designed to help elementary students open
up about their feelings regarding money.</span><span class="apple-converted-space"><b><span style="background: white; color: #202020; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"> </span></b></span><span style="background: white;"><span style="color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;">Written
for grades 3, 4 and 5.</span></span><br />
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<a href="https://www.teacherspayteachers.com/Product/Money-Talks-for-Kidz-Money-Conversation-Starters-for-Kids-1231258" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOG1kUQnVPMJsWKGEK1bEbxrgNdi6ti-LZ9Bp2RaixoiWpzsNrEMk2OTHOuBtr8P7zX6dtyX45smVLP0WNjX9xSVw2P8UL6_9nfJvGUB9Wf0Xk5iE-zMcf7M8WqQP0cowBrG3Wdzpgakw/s1600/Money+Talks+for+Kids.jpg" /></a></div>
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<b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #0070c0; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"><a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Money-Talkz-for-Middle-School-1279655" target="_blank">Money Talkz for Middle School</a></span></b><b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"> </span></b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;">contains<span class="apple-converted-space"> </span><span style="font-family: Verdana, sans-serif;">164 cards</span><span class="apple-converted-space"> </span>that are designed to get middle school
students talking about money matters. Written for grades 6, 7 and 8.<strong><span style="font-family: "Verdana","sans-serif"; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi;"><o:p></o:p></span></strong></span></div>
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<a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Money-Talkz-for-Middle-School-1279655" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg44TR_gBOEn6mIhBOWypmxVelU9k6BEfFp4c0Gr5kOsZEZejla0ZxGfiI2pxKqcmspu9FCJK3DQjrkC1tWgLBkcvzIt37lcAJaYvODUXNVHvHZEEbDRhC5mPMI7zSDZLWR3k7qMwDDCrw/s1600/Money+Talkz+for+Middle+School.jpg" /></a></div>
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<b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #0070c0; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"><a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Personal-Finance-Conversation-Starters-574084" target="_blank">Personal Finance Conversation Starters forTeens</a></span></b><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"> contains<span class="apple-converted-space"> </span><span style="font-family: Verdana, sans-serif;">280 cards
that are designed to get teens talking about personal finance all year long! </span></span><b><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></b></div>
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<a href="https://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Personal-Finance-Conversation-Starters-574084" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY8iIeS4st_v8GKTGMfAlzJgG4VUPOPTr0W4u0lA3tYu1M4aNBPJaFCwZBg7Y0_rcr-FmcEqXfzONJJ85fZ_JiPCJ5av0ngA-iwNTsJ3oWodfmD060Fi9DhZjOFGTyDg8jgzQFREsDhCs/s1600/Personal+Finance+Conversation+Starters+for+Teens.jpg" /></a></div>
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<b><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Students learn from each other...<br /><br /><o:p></o:p></span></b></div>
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<span style="background: white; color: #202020; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">In responding to the
questions, students bring their own unique perspectives and life experiences to
the table and learn from each other. You never know where the conversation will
lead, and that makes it all the more exciting. There are really no right or
wrong answers. All students need to do to be successful is to explain the
reasoning behind their answers.<span class="apple-converted-space"><br /></span></span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
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<strong><span style="background: white; color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi;"><br />Conversation
starters can be used...</span></strong><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;"><br />
<br />
<span style="background: white;">* as a warm-up</span><br />
<span style="background: white;">* for small group discussion</span><br />
<span style="background: white;">* for whole class discussion</span><br />
<span style="background: white;">* for journal writing<o:p></o:p></span></span></div>
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<span style="color: #073763; font-family: Arial, Helvetica, sans-serif;"><b><a href="https://www.teacherspayteachers.com/Store/Personal-Finance-For-Teens-Unleashed" target="_blank">START SHOPPING HERE!</a></b></span></div>
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<span style="font-family: 'Berlin Sans FB', sans-serif; font-size: 14pt;"><span style="color: #073763;">PERSONAL
FINANCE LESSONS DESIGNED ESPECIALLY FOR TEENS!</span></span><span style="font-family: Verdana, sans-serif; font-size: 10pt;"><o:p></o:p></span></div>
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<b><span style="font-family: 'Century Gothic', sans-serif; font-size: 12pt; line-height: 115%;"><span style="color: #0b5394;">Keep updated at...</span></span></b></div>
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<b style="line-height: 13.85pt;"><span style="font-family: Verdana, sans-serif; font-size: 10pt;">Blog:</span></b><span style="font-family: Verdana, sans-serif; font-size: 10pt; line-height: 13.85pt;"> http://personalfinanceforteensunleashed.blogspot.com/</span></div>
<b><span style="font-family: Verdana, sans-serif; font-size: 10pt;">Twitter:</span></b><span style="font-family: Verdana, sans-serif; font-size: 10pt;"> https://twitter.com/financeunleash</span><br />
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #202020; font-family: Verdana, sans-serif; font-size: 12pt; line-height: 115%;"><br /></span></div>
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<span style="color: #202020; font-family: Verdana, sans-serif; line-height: 18.3999996185303px;"><br /></span></div>
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"> </span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-6108234065916292472015-04-10T17:16:00.000-04:002015-04-10T17:51:11.000-04:00Financial Literacy: Do high school classes make a difference?<div class="MsoNormal" style="background: white; line-height: 13.85pt;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #0070c0; font-family: 'Berlin Sans FB', sans-serif; font-size: 16pt; letter-spacing: 0.05pt; line-height: 115%;">April is National Financial Literacy Month: Do high school classes make
a difference?</span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">
In 2011 President Obama proclaimed April as </span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt;"><span style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-themecolor: text1;"><a href="https://www.whitehouse.gov/the-press-office/2011/03/31/presidential-proclamation-national-financial-literacy-month" target="_blank">National Financial Literacy Month</a>.</span></span><span style="font-family: Verdana, sans-serif; font-size: 12pt;"> In his proclamation he stated, “O</span><span style="font-family: Verdana, sans-serif; font-size: 12pt;">ur Nation's prosperity will ultimately
depend on our willingness as individuals to empower ourselves and our families
with financial knowledge. “</span><span style="font-family: Verdana, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;">Fast forward to 2015,
one thing that we can all seem to agree on as parents and educators is that an
understanding of financial literacy is important to our children. What we can’t seem to work out, according to </span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt;"><a href="http://www.dailyfinance.com/2014/04/01/financial-literacy-high-school-courses-problem-unqualified-teachers/">Hank
Coleman</a></span><span style="font-family: Verdana, sans-serif; font-size: 12pt;"> of Daily Finance, is who will teach the courses; how will school
districts fund the new courses; and how will these courses fit into already overly
crowded curriculums?<o:p></o:p></span></div>
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<span style="font-family: Verdana, sans-serif; font-size: 12pt;"><br /></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 13.85pt;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;">In
addition to these logistics problems, </span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt;"><a href="http://www.economicscenter.org/faculty-staff/julie-heath.aspx"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; letter-spacing: 0.05pt;">Professor
Julie Heath</span></a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;">, director of the Economics Center at the University of
Cincinnati, reports that teachers feel unqualified to teach financial literacy.
“Eighty-two percent say they are not
prepared to teach these concepts," she says. <o:p></o:p></span></div>
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;"><br /></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 13.85pt;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;">One of the reasons
for this uneasiness may be that some school districts rely on math, science,
home economics and technology teachers (among others) to incorporate financial
literacy lessons into their curriculum instead of offering a separate personal
finance course.<span class="apple-converted-space"> </span></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;"><o:p></o:p></span></div>
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;"><span class="apple-converted-space"><br /></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 13.85pt;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;">The good news is
that financial literacy classes in high school do make a difference. According to an article in </span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt;"><a href="http://www.usatoday.com/story/money/personalfinance/2014/04/08/financial-literacy-college-students/7296185/"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; letter-spacing: 0.05pt;">USA Today</span></a> (<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; letter-spacing: 0.05pt;">by
Hadley Malcolm), a study of 65,000 college students showed that – “f</span></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt;">irst-year college
students required to take a financial literacy course in high school are
significantly more likely than their peers who didn't take a class to be
financially responsible.” <o:p></o:p></span></div>
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt;"><br /></span></div>
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt;">The study revealed
that, “students who took a class did better on the survey’s financial knowledge
questions, were found to be more averse to debt, more likely to pay credit card
bills on time, and less likely to go over their credit limit.”<o:p></o:p></span></div>
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<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 13.85pt;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; letter-spacing: 0.05pt;">If you have been
asked to incorporate financial literacy into your curriculum, and are at a loss
of where to start, try these <b><span style="color: #0b5394;">FREE introductory lessons</span></b> with your students.<o:p></o:p></span><br />
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<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #00b050; font-family: 'Berlin Sans FB', sans-serif; font-size: 16pt; letter-spacing: 0.05pt; line-height: 115%;"><a href="https://www.teacherspayteachers.com/Store/Personal-Finance-For-Teens-Unleashed" target="_blank">Click here to grab these free lessons.</a><o:p></o:p></span></div>
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<span style="color: #0b5394; font-family: 'Berlin Sans FB', sans-serif; font-size: 14pt; line-height: 21.4666652679443px;">PERSONAL FINANCE LESSONS DESIGNED ESPECIALLY FOR TEENS!</span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-82151233944347667952015-02-15T16:25:00.001-05:002015-02-16T19:32:47.768-05:00Answers to College Questions<div class="MsoNormal" style="background: white; margin: 15.75pt 0in 7.9pt; vertical-align: baseline;">
<b><span style="color: red; font-family: CluffHmk; font-size: 24.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Answers to College Questions<o:p></o:p></span></b></div>
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<b><span style="color: #0070c0; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Need help comparing
colleges to find the right fit?<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background: white; margin: 15.75pt 0in 7.9pt; vertical-align: baseline;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Check out the <a href="http://collegecost.ed.gov/" target="_blank"><b>U.S. Department of Education’s College Affordability and Transparency Center.</b></a> S</span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Segoe UI";">earch for and compare colleges on all sorts of
criteria including costs, majors offered, size of school, campus safety, and
graduation rates. This site also
includes a price calculator to help you estimate how much college will cost
after scholarships and grants.</span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Another helpful site is <b><a href="https://bigfuture.collegeboard.org/find-colleges" target="_blank">The College Board</a></b>. Their interactive, on-line
guide offers step-by-step help researching colleges.<b><o:p></o:p></b></span></div>
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<b><span style="color: #0070c0; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Wondering how much your
dream college will cost?<o:p></o:p></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Find out at <b><a href="http://money.cnn.com/tools/collegecost/collegecost.html" target="_blank">CNNMoney</a></b>. Enter a school name and begin your research.<o:p></o:p></span></div>
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<b><span style="color: #0070c0; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt;">Need
a little help filling out that college application?</span></b><span style="color: #0070c0; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt;"><br />
</span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt;"><br />
Review this info-graph from <b><a href="http://www.collegechoice.net/college-application/" target="_blank">College Choice</a></b>
that covers the dos and don’ts of filling out college applications. </span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;"><o:p></o:p></span></div>
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<b><span style="color: #0070c0; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Looking for financial aid
and scholarships?<o:p></o:p></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-style: italic; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">Visit <b><a href="http://www.collegechoice.net/50-top-college-scholarships/" target="_blank">College Choice</a></b>. They provide
information on the top 50 college scholarships including the <b><a href="http://www.gmsp.org/" target="_blank">Gates Millennium scholarship</a></b> which pays
full tuition and room and board.<o:p></o:p></span></div>
<h1 style="background: white; line-height: 13.2pt; margin-bottom: .0001pt; margin: 0in; vertical-align: baseline;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt;"><a href="https://bigfuture.collegeboard.org/scholarship-search" target="_blank">The College Board</a></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Verdana, sans-serif; font-size: 12pt; font-weight: normal;"> also
provides information on scholarships, financial aid and internships from more
than 2,200 programs, totaling nearly<span class="apple-converted-space"> </span></span><span class="bold"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 1pt none windowtext; font-family: Verdana, sans-serif; font-size: 12pt; font-weight: normal; padding: 0in;">$6 billion.<o:p></o:p></span></span></h1>
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<span class="bold"><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: 1pt none windowtext; font-family: Verdana, sans-serif; font-size: 12pt; font-weight: normal; padding: 0in;"><o:p> </o:p></span></span></h1>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; font-weight: normal; letter-spacing: -.6pt; mso-bidi-font-weight: bold;">If you need
help filling out the <i>Free Application for
Federal Student Aid</i> (FAFSA) visit </span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; letter-spacing: -.6pt;"><a href="https://studentaid.ed.gov/fafsa/filling-out?utm_source=twitter&utm_medium=twitter&utm_campaign=Federal" target="_blank">Federal Student Aid</a></span><span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; font-weight: normal; letter-spacing: -.6pt; mso-bidi-font-weight: bold;"> for some helpful tips.<o:p></o:p></span></h1>
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</span></b><b><span style="color: #0070c0; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt; line-height: 115%;">College-bound
and looking for budgeting apps that help you manage your money?<o:p></o:p></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">In this article at <b><a href="http://www.parentscountdowntocollegecoach.com/2014/07/08/10-budgeting-apps/" target="_blank">ParentsCountdown to College Coach</a></b>, <i>Suzanne
Shaffer</i> reviews 10 budgeting apps that help college-bound students manage
their money. <o:p></o:p></span></div>
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<b><span style="color: #0070c0; font-family: 'Century Gothic', sans-serif;">Is all that college debt really worth it?<o:p></o:p></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12.0pt; line-height: 115%;">Worried about college debt? Read this article from <b><a href="http://www.collegechoice.net/is-college-still-worth-the-debt/" target="_blank">College Choice</a></b> that reviews the advantages of a college education.<o:p></o:p></span></div>
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<b><span style="color: red; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt; line-height: 115%;">Visit me on Twitter for more interesting articles - @financeunleash<o:p></o:p></span></b></div>
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<b><span style="color: red; font-family: "Century Gothic","sans-serif"; font-size: 12.0pt; line-height: 115%;">And at my <a href="https://www.teacherspayteachers.com/Store/Personal-Finance-For-Teens-Unleashed" target="_blank">TPT store</a> for personal finance lessons designed especially
for teens.<o:p></o:p></span></b></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-75601587585729793012015-01-09T13:12:00.000-05:002015-01-09T13:41:42.932-05:00Tips on Buying and Financing a Car<h2>
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<b><span style="color: #073763; font-family: Arial, Helvetica, sans-serif; font-size: large;">Tips on Buying and Financing a Car</span></b></h2>
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Rob Infantino (Credit.com) has some great tips for anyone looking to buy a new car in his article, 8 Things You Need to Know Before Buying a New Car. <br />
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Some of his key points include: Doing your homework can save you money; there is wiggle room built into every vehicles’ price; buying a car should never be an impulse buy and don’t wait until you are desperate to start shopping for a car. <a href="http://finance.yahoo.com/news/8-things-know-buying-car-120045606.html">Read more...</a><br />
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The Federal Trade Commission – Consumer Information site also offers some great information on buying a new car.<br />
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Some of their key tips include: Do your research to avoid being pressured into making a hasty decision; financing your car with the dealer may not be the best deal you can get; discuss the possibility of a trade-in only after you’ve negotiated the best possible price for your new car and after you’ve researched the value of your old car and know the vocabulary when negotiating the cost of a car. <a href="http://www.consumer.ftc.gov/articles/0209-buying-new-car">Read more...</a><br />
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<span style="color: #0b5394; font-family: Arial, Helvetica, sans-serif;"><b>Follow my BLOG and visit me on <a href="https://twitter.com/financeunleash">TWITTER</a> for more interesting articles.</b></span></div>
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<span style="color: #0b5394; font-family: Arial, Helvetica, sans-serif;"><b>YOU MAY ALSO BE INTERESTED IN THIS NO PREP LESSON ON <a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Financing-a-Car-Bundle-641328" target="_blank">BUYING AND FINANCING A CAR...</a></b></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-13319337376733944012014-04-23T21:00:00.001-04:002014-05-10T16:22:49.404-04:00Micro Investing - A Question for Teens<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcWzr8h6YFpwssUD4XxUYXQvAnMacm6niV2dPCS7OjvpHjDWmZQjw5R2SdJtwrK7wnikE5Rl5tsjIYohIQGfAfYJPQTcvviNJaob-X3Au3bYT3-ShmOkKota68zISmK7u6mwc1ZMoafxo/s1600/Micro+Investing.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcWzr8h6YFpwssUD4XxUYXQvAnMacm6niV2dPCS7OjvpHjDWmZQjw5R2SdJtwrK7wnikE5Rl5tsjIYohIQGfAfYJPQTcvviNJaob-X3Au3bYT3-ShmOkKota68zISmK7u6mwc1ZMoafxo/s1600/Micro+Investing.png" height="37" width="400" /></a></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;"></span> <span style="font-family: "Verdana","sans-serif"; font-size: 11pt;">Here is an interesting micro investing concept that you might like to discuss with your students, it is called ACORNS. </span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 11pt;">Acorns co-founders Walter and Jeff Cruttenden have created a smart phone app which allows people to round up purchases and automatically invest spare change into a diversified portfolio. This app might change the way many of us invest.</span> </div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 11pt;">A question for students to discuss might be: In light of all the stores that have been hacked into recently, how safe is this app? And would they consider using it as a way to invest – what are the pros and what are the cons?</span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: large;"><o:p><span style="font-family: Calibri;"><span style="font-family: "Verdana","sans-serif"; line-height: 115%;"><b>Click on the links below for videos and news stories on ACORNS...</b></span></span></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: small;"><span style="font-family: Verdana, sans-serif; font-weight: normal;"><a href="http://www.bloomberg.com/video/spare-change-drive-you-nuts-try-the-acorns-app-SqSFT96CSjSrM7OvVuxYFg.html" target="_blank"><b>Spare Change Drive you Nuts? Trythe “Acorn”App</b></a></span><br />
<u2:p></u2:p><span style="font-family: Verdana, sans-serif;">Source: Trish Regan and Matt Miller (Bloomberg Television’s “Street Smart”)</span><o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: small;"><u1:p><span style="font-weight: normal;"></span></u1:p><span style="font-family: Verdana, sans-serif;"><a href="http://www.usatoday.com/story/money/personalfinance/2014/03/12/investing-app-acorns/6328657/" target="_blank"><b>Turn Spare Change into Big Bucks</b></a></span></span><br />
<span style="font-family: "Verdana","sans-serif"; font-size: small;"><span style="font-family: Verdana, sans-serif;">Source: Hadley Malcolm (USA Today Young Money)<b><o:p></o:p></b></span></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: small;"><a href="http://mashable.com/2014/03/12/acorns-app/" target="_blank"><span style="font-family: Verdana, sans-serif;"><b>Acorns app gives you a way to finally invest your spare change</b></span></a></span><br />
<span style="font-family: "Verdana","sans-serif"; font-size: small;"><span style="font-family: Verdana, sans-serif;"><b> </b>Source: Seth Fiegerman (Mashable)<b><o:p></o:p></b></span></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: small;"><a href="http://www.gizmag.com/acorns-smartphone-investment-app/31322/" target="_blank"><span style="font-family: Verdana, sans-serif;"><b>Acorns smartphone app brings investing to the masses</b></span></a></span><br />
<span style="font-family: "Verdana","sans-serif"; font-size: small;"><span style="font-family: Verdana, sans-serif;"><b> </b>Source: <u4:p></u4:p><u1:p></u1:p>Stu Robarts (GizMag)</span></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-86614136202884420392014-04-09T21:41:00.003-04:002014-04-23T23:17:27.535-04:00Investing Terms<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2H11Xi0h68W6BacGMsxyVQgL5BZYAVzehEyIeAAVE4mpFlDht5T0Nszyl2e7AfmDUIvE-S5jz0uPyjjX7Qm9eQ9DxHK9sRGHfyDZD4MDHh1ryUcBlOHL6LnPhwgnqsTyIVBSm_573t_c/s1600/Investing+Terms.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2H11Xi0h68W6BacGMsxyVQgL5BZYAVzehEyIeAAVE4mpFlDht5T0Nszyl2e7AfmDUIvE-S5jz0uPyjjX7Qm9eQ9DxHK9sRGHfyDZD4MDHh1ryUcBlOHL6LnPhwgnqsTyIVBSm_573t_c/s1600/Investing+Terms.png" height="41" width="640" /></a></div>
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<a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Investing-Terms-628831" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;" target="_blank"><img alt="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Investing-Terms-628831" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnURTXRsASmziF5h_c24wXiU0dM0aWxPo8J7oQQ5sXVzq06h7brZ77WMUIRSM9L5qbCELZ_MRhj1PMxKyErM5v8KHDVtI3rZxsljpSQA_5Ew7_Qny2uHvpzuPLKuk1sKDsVZCQS-88C6I/s1600/Cover.jpg" height="176" width="200" /></a><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-themecolor: text1;">This </span><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Investing-Terms-628831" target="_blank">Investing Terms</a></span></b><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-themecolor: text1;"> lesson is part of a dynamite unit on
Investing. The complete unit is a great hands-on way to teach students the ins
and outs of researching, selecting, and tracking stock and mutual funds. The
unit is loaded with fun, hands-on assignments, informative presentations,
crosswords, and on-line flashcards, games and quizzes. And it all begins with
and builds from the Investing Terms assignment.<b><o:p></o:p></b></span></div>
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<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-themecolor: text1;">The Investing Terms lesson
is a <strong>three-part lesson</strong> that covers basic investing terms used
on the New York Stock Exchange, and is designed to aid students in analyzing
stock summaries, charts and graphs in later assignments. <span style="mso-spacerun: yes;"> </span>It is packed full of reinforcing activities,
like crosswords, on-line flashcards, games and quizzes. <br />
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The basic terms introduced in the Investing Terms assignment lay the foundation
for what is to come as the unit progresses. <br />
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<span style="color: blue; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><strong>Companion assignments to
review, reinforce and assess include ...</strong></span></span><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-themecolor: text1;"></span><br />
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<b style="mso-bidi-font-weight: normal;"><span style="color: #009900; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Investing-Terms-Task-Cards-1157670" target="_blank">InvestingTerms Task Cards</a></span></b><span style="color: #009900; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;"><o:p></o:p></span></div>
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<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-themecolor: text1;">These <strong>60 task
cards</strong> are a fun way to reinforce the terms that were introduced to
students in the <strong>Investing Terms</strong> assignment. Questions include
multiple choice, short answer and true and false. The cards can be used
individually, in small groups or as a whole class challenge type of game. Eleven
wildcards are included to Rev Up the excitement!</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #009900; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Investing-Terms-Test-1150984" target="_blank">Investing Terms Test</a></span></b><span style="color: #009900; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;"><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Investing-Terms-Test-1150984" target="_blank"> </a>
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<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%; mso-themecolor: text1;">This test is a companion to the <strong>Investing
Terms</strong> assignment. The 59-question test is a good mix of matching,
multiple choice and true/false questions</span><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;">. </span><span style="color: #009900; font-family: "Verdana","sans-serif"; font-size: 12pt; line-height: 115%;"><o:p></o:p></span><br />
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-53669151615479383372014-04-07T20:16:00.004-04:002014-08-18T21:48:40.786-04:002 Great Personal Finance Lessons<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.teacherspayteachers.com/Store/Personal-Finance-For-Teens-Unleashed" target="_blank"><img alt="http://www.teacherspayteachers.com/Store/Personal-Finance-For-Teens-Unleashed" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpOybhyphenhyphenqiLKeizLuaHazP4x7UyGQe1qvhf_r-VFP5IofFAmSbkfgjVZRDz_wq6euraBfYNXFncsjUQntOMInT9mySnIHUcI0HzztHYmUNHyVp86MDkGxVviqnNRBf0tRvt8YGvBTX3YKM/s1600/2+Great+Personal+Finance+Lessons+Art.png" height="33" width="640" /></a></div>
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<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">If you are teaching personal finance and need a starting point I
hope you had the chance to download my popular <b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank">Wonderful Life</a> </i></b>assignment.
It has been downloaded over 2000 times at Teachers Pay Teachers and is a great
way to get students thinking about their personal goals and their future. Click <a href="http://personalfinanceforteensunleashed.blogspot.com/2013/09/students-and-personal-and-financial.html" target="_blank">here</a> to read more...</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqx_H_4w7zJzhzgVCK-CM7E6vysMQK1NJXr4PrqhohfQkxqjwgzO831oj-ZjfQw6VyV7ple2zEvMOTuqU33STSTzunkgkjRdxMSwGSdxm17WyEP-ti4YjNjIy1RxtwBmDjkicxbZNYB08/s1600/Cover+-+Green.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqx_H_4w7zJzhzgVCK-CM7E6vysMQK1NJXr4PrqhohfQkxqjwgzO831oj-ZjfQw6VyV7ple2zEvMOTuqU33STSTzunkgkjRdxMSwGSdxm17WyEP-ti4YjNjIy1RxtwBmDjkicxbZNYB08/s1600/Cover+-+Green.jpg" height="175" width="200" /></a><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Personal-Finance-Conversation-Starters-574084" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Personal-Finance-Conversation-Starters-574084" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdvzujlUFxel_ynhxBFIQjyeLrESRFBbiW_aBWqFB7KipcohPWe1LgwrTkOHxlZLENd3XCqrgfAwM5xMb64ijAuQMxWEL6jy6-ZQwqrOqESBakjjGDJ72yKM-RvjchyphenhyphenHK30yE_QW-ySvM/s1600/Cover.jpg" height="176" width="200" /></a></div>
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<a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Personal-Finance-Conversation-Starters-574084" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRHDZE8kbzyyRDWGF3EKJzyJBHjPzhaPxnlVNleUbubYzzrveYBFFNZaMvtyE9VDq7VS_mc0DlpzoUe-SqwE3kuIAd6RW8IF91gGJ2b66w_Z5R9xCL3t0Yo_OmOzGdherrwDSWGJkuGEM/s1600/Preview+7.jpg" height="235" width="320" /></a></div>
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;"><br /><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Personal-Finance-Conversation-Starters-574084" target="_blank">Personal Finance Conversation Starters for Teens</a></span></i></b><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;"> is another popular lesson with students.<span style="mso-spacerun: yes;"> </span></span><br />
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;"><br /></span>
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">These 275 conversation starters will keep your students engaged all year long!</span><br />
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;"><br /></span>
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">The conversation starters are a fun way to
get kids talking about t</span><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">he money issues that we
all face in our daily lives.<span style="mso-spacerun: yes;"> </span></span><span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">There are really no right or wrong answers and you never know
where the conversation will lead.<span style="mso-spacerun: yes;"> </span>That
makes it all the more fun. In answering these questions students bring their unique
perspective and life experiences to the table and learn from each other.<o:p></o:p></span></div>
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">Just imagine them discussing topics like...</span><br />
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<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">”Some adults have a lot of trouble saving money.<span style="mso-spacerun: yes;"> </span>If you were asked to give them advice about
saving what would you say?”<o:p></o:p></span></div>
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">Or<o:p></o:p></span><br />
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<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">“What is your worst fear about money?”<o:p></o:p></span></div>
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">The conversation starters were written with 8<sup>th</sup> – 12<sup>th</sup>
grade students in mind.<span style="mso-spacerun: yes;"> </span>They can be used
for small group or whole class discussion.<span style="mso-spacerun: yes;">
</span>They can also be assigned as a short journal writing assignment. <span style="mso-spacerun: yes;"> </span><o:p></o:p></span><br />
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<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The 274 conversation starters are designed as 3 ¾ x 3 ¼ cards that can be laminated and
used throughout the school year.<span style="mso-spacerun: yes;"> </span>It is great
fun to let students choose a card at random, never knowing what the question
will be in advance.<o:p></o:p></span></div>
<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;">The topics covered include: saving, spending, investing, goals,
career choices, college, starting a business, charities, retirement, wills, job
loss, the cost of health care and even bankruptcy and a ton more!</span><br />
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<span style="color: #202020; font-family: "Verdana","sans-serif"; font-size: 14pt; line-height: 115%;"><o:p>Thanks for stopping by!</o:p></span><br />
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<h3 style="text-align: center;">
<span style="color: purple; font-family: Times, "Times New Roman", serif; font-size: x-large;"><em>Wonderful Life Presentations - Setting Personal and Financial Goals!</em></span></h3>
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<span style="font-family: Verdana, sans-serif;"><br />If you and your students have been working on my
"Wonderful Life" assignment right about now you are probably putting
the finishing touches on the assignment. <br />
<br /><b>
A few things I like to do before presentations include...</b><br />
<br />
I ask my students to edit and practice their presentations so they go smoothly.<br /><br />
I give them the option of self-editing or editing with a friend. <br /><br />
Right before presentations I talk about how hard it can be to get up in front
of a class and present - just because we don't do it a lot.<br /><br />
I remind them to support each other, and we talk about how they can do that.<br />
<br />
I ask students to print 2 copies of presentation handouts - 4 slides on a page.<br />
As each student goes before the class to present they give me a copy of their
handouts and keep a copy for themselves. I use my copy for grading purposes, and they use their handouts as they give
their presentation.<br /><br />
I also mention how important it is to speak loudly and clearly so everyone can
hear their presentation, and how eye contact helps to hold the audience's
attention.<br /><br />I ask a student from my class, usually the day before presentations, to run the
computer that is hooked up to the presentation hardware and software.<br /><br />I usually project the presentation on the wall behind the student that is
presenting. They use their handout notes to set the pace, and the student
running the presentation on the computer follows their lead.<br />
<br />
Presentations for a class of 32 usually take about three or four days. The
first day is usually the slowest, and then the kids pick up speed.<br />
<br />
That's about it. Hope you have a great week!<br />
<br />
</span><br />
<span style="font-family: Verdana, sans-serif;"></span><br />
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-20813099820220663092013-09-04T15:36:00.002-04:002014-08-18T21:53:36.222-04:00Wonderful Life Assignment<h4>
<span style="color: #134f5c;"> </span></h4>
<h2 class="MsoNormal" style="margin: 0in 0in 10pt; text-align: center;">
<span style="color: #134f5c;">
</span><em><span style="font-family: Times, "Times New Roman", serif;"><span style="color: #6aa84f;"><span style="font-size: x-large;">A Lesson Designed to get Students
Thinking about <br />Personal and Financial Goals!<o:p></o:p></span></span></span></em></h2>
<br />
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<span style="font-family: "Verdana","sans-serif";">I like to
start the first week of school with a lesson I designed to get students
thinking about their personal and financial goals<b style="mso-bidi-font-weight: normal;"> </b>– </span><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";"><span style="color: blue;">“Wonderful
Life”</span></span></i></a><i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";">. </span></i><span style="font-family: "Verdana","sans-serif";"><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<span style="color: black; font-family: "Verdana","sans-serif"; mso-bidi-font-family: Arial;">This fun, interactive project gives students a chance to get
to know each other while creating a presentation that reveals their goals
regarding career, wages, and lifestyle. <span style="mso-spacerun: yes;"> </span>It also sharpens their communication and
presentation skills. As a culminating activity, each student presents their
project to the class. It is a great first lesson. </span><br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: "Verdana","sans-serif";"><span style="font-family: Times New Roman;"><br /></span>Over 2000 teachers
have download this lesson from </span><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284"><span style="font-family: "Verdana","sans-serif";"><span style="color: blue;">Teachers Pay Teachers</span></span></a><span style="font-family: "Verdana","sans-serif";">.<span style="mso-spacerun: yes;"> </span>If you have not already grabbed it, here is
the link... </span><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";"><span style="color: blue;">“Wonderful
Life”</span></span></i></a><i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";">.<br /><br /><o:p></o:p></span></i></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Setting-Goals-Wonderful-Life-Assignment-531284" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJqu9kKVpHcUeZrar-6sfp3a8h6ZY7jcssz6BWoORVDkyA_CX3L-QnNcf8ITmpHE6-uJQjHWkRtZLw9kLlgUnnUDJheYUBs56RH57tk7Yoarai-ZggpWvZukb_nyG_zcovTVzdeXp1mJ0/s1600/Thumb+1.jpg" height="148" width="200" /><span style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieaUJ8JTzGeIwtmNFyf3eUXJzIQwARC7u1KdoIN1zKTzPWQsdSWAct4lcSMoiw4wz8QMGOq1zWh482dn7s25Cr-PZ7zliyf06BrmeAUHV193Msy1vBajlD2X6BoosL2QqdH5Z3VMwfl3k/s1600/Thumb+2.jpg" height="150" width="200" /></span></a></div>
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<br />
<span style="color: #674ea7; font-family: 'Trebuchet MS', sans-serif;">Teaching “</span><em style="color: #674ea7; font-family: 'Trebuchet MS', sans-serif;">Wonderful Life</em><span style="color: #674ea7; font-family: 'Trebuchet MS', sans-serif;">”</span></div>
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<span style="font-family: "Verdana","sans-serif";">Now that so
many teachers are using this lesson, I thought I would offer a few tips on how
I teach <i style="mso-bidi-font-style: normal;">“Wonderful Life.”<o:p></o:p></i></span></div>
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<span style="font-family: "Verdana","sans-serif";">I like starting
the class off with this assignment because it eases the students <i style="mso-bidi-font-style: normal;">(and the teacher) </i>into the class, and it
is a fun way for everyone to get to know each other.<span style="mso-spacerun: yes;"> </span>It gives the teacher a chance to spend some
one-on-one time with students.<span style="mso-spacerun: yes;"> </span>It also
sets the stage for the rest of the course. </span></div>
<h4 class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="color: #674ea7; font-family: "Trebuchet MS", sans-serif;">Teacher tips</span></h4>
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<span style="font-family: "Verdana","sans-serif";">When I begin this lesson I always show students a completed presentation.<span style="mso-spacerun: yes;"> </span>My thinking is that students will create something as good or better than the sample I show them.</span></div>
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<span style="font-family: "Verdana","sans-serif";">I review the features of the presentation software students will be using - if needed.<span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-family: "Verdana","sans-serif";">I stress that students should give plenty of details on each of the topics included the presentation. </span></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";">Topic:</span></i><span style="font-family: "Verdana","sans-serif";"> Describe your dream home<o:p></o:p></span></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";">Example: </span></i><i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif";">My dream home is a log cabin located on a beautiful, blue lake high in the mountains.<span style="mso-spacerun: yes;"> </span>Secretly it would be very a high-tech house---but have a rustic look.</span></i><span style="font-family: "Verdana","sans-serif";"><span style="mso-spacerun: yes;"> </span></span><span style="font-family: "Verdana","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-family: "Verdana","sans-serif";">I also spend some time talking about page layout – organizing and designing easy to read headings, subheadings, and text, as well as graphics that drive your point home.<span style="mso-spacerun: yes;"> </span>I talk about trapped white space and how to avoid it. I usually steer students away from using clip art - pictures just seem more sophisticated.</span></div>
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<span style="font-family: "Verdana","sans-serif";">I tell students that they will be presenting their project and that it would be to their advantage not to use animations like flash or crawl.<span style="mso-spacerun: yes;"> </span>These types of animations are really distracting.<span style="mso-spacerun: yes;"> </span>“Crawl” loses the class because it takes too long and “flash” just confuses everyone including the teacher who is attempting to grade the presentation.</span></div>
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<span style="font-family: "Trebuchet MS", sans-serif;"><span style="color: #674ea7;">Timing<o:p></o:p></span></span></h4>
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<span style="font-family: "Verdana","sans-serif";">It takes
about a week for students to complete this assignment and an additional three
days for student presentations. This is my experience with a class of about 32
students. </span></div>
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<div>
<span style="font-family: Verdana, sans-serif;">Every class is different, as is every student. Some will take a little more
time to complete the lesson and others will take less time. I ask students who
finish early to spend time editing their presentation and adding sound and
animation. This gives the rest of the class time to finish up.</span></div>
<div>
</div>
<div>
<span style="font-family: Verdana, sans-serif;"><i style="mso-bidi-font-style: normal;">Next Week</i>...more on presentation
setup for “Wonderful Life”.</span><o:p></o:p></div>
<br />
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<span style="font-family: "Trebuchet MS", sans-serif;"><span style="color: #674ea7;">Thanks for
stopping by!<o:p></o:p></span></span></h4>
<br />
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-39633885110494906192013-08-30T19:39:00.001-04:002016-01-26T23:51:17.248-05:00Strategies for Teaching Personal Finance to Teens<h3 class="separator" style="clear: both; text-align: center;">
<em><span style="color: purple; font-family: "times" , "times new roman" , serif; font-size: x-large;">Strategies for Teaching Personal Finance to Teens</span></em></h3>
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "verdana" , sans-serif;"><br /><br />Well, the beginning of the school year is just around the corner. I've been thinking about what to blog about this school year, and I decided that it might be especially helpful to new teachers if they had a model to follow - at least starting out. <span style="mso-spacerun: yes;"> </span>So this year I will add some teaching strategies to what I am already doing on my blog.<br />
<br />
At first glance teaching Personal Finance may seem like it would be a hard class to teach and a little dry, and a little boring for the students. I find this is NOT the case at all. I have taught many different classes and Personal Finance is undeniably the most exciting and rewarding of them all.<br />
<br />
My philosophy, when it comes to Personal Finance, is that students have more fun and the lesson sticks better if they discover the answers for themselves. For example, instead of lecturing the students about money and telling them that they need to learn to budget, I designed a budgeting game that the class plays during the trimester. Long before the end of the class students start asking questions like "Why isn't there ever enough money to go around in this game?" My usual reply is that they have discovered the meaning of the game. Often in life many of us live paycheck to paycheck, and sometimes that does not cover all of the bills. And of course, from there the conversation turns to budgeting - so now we are at a point where students are open to discussing budgeting, and they have their own unique ideas to offer on the subject.<br />
<br />
With that said, my next blog will be on how I start the first week of school. <br />
<br />
See you then. Thanks for stopping by!</span></span><br />
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "verdana" , sans-serif;"></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0OXszYnzASqTIsb930Xdrjf1UnERXe1i7BMfDR67BUowoXqTch8G85TGdQzy3RFLrwQVUBa16wrY9CfUEd6aJOUv6yR5qCq70IlsRsHk3Mj1-l7JGQup0mA7eXReuUUDcfkv3DlRCiLM/s1600/BANNER+3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="124" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0OXszYnzASqTIsb930Xdrjf1UnERXe1i7BMfDR67BUowoXqTch8G85TGdQzy3RFLrwQVUBa16wrY9CfUEd6aJOUv6yR5qCq70IlsRsHk3Mj1-l7JGQup0mA7eXReuUUDcfkv3DlRCiLM/s320/BANNER+3.jpg" width="320" /></a></div>
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<span style="font-family: Verdana, sans-serif; font-size: xx-small;"><a href="https://www.teacherspayteachers.com/Store/Ron-Leishman-Digital-Toonage" target="_blank">Artwork: Ron Leishman Digital Toonage</a><br /></span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-90418253058191314682013-05-07T22:50:00.001-04:002013-09-16T01:27:21.658-04:00Rock Stars of Personal Finance<br />
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<table border="0" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: currentColor; mso-border-insideh: none; mso-border-insidev: none; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184; width: 774px;"><tbody>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPGOHDS0gKfZif7eQpEgN6E3VIx8fnUz5_oyuVdLUCrcMcD2GTaEqQ0CKGNet0xG3008ClQpfdCL9MzL8vS_cznofR2NdPPv6toTd1aecorixnoNGpLG4S8yI_R1aqvR69nc0S2EuCTE0/s1600/Rock+Stars+Header.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPGOHDS0gKfZif7eQpEgN6E3VIx8fnUz5_oyuVdLUCrcMcD2GTaEqQ0CKGNet0xG3008ClQpfdCL9MzL8vS_cznofR2NdPPv6toTd1aecorixnoNGpLG4S8yI_R1aqvR69nc0S2EuCTE0/s400/Rock+Stars+Header.png" width="400" /></a></div>
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<span style="color: black; font-family: "Verdana","sans-serif"; mso-themecolor: text1;"><o:p></o:p></span> </div>
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<span style="color: black; font-family: "Verdana","sans-serif"; mso-themecolor: text1;"><span style="font-family: Verdana, sans-serif;"> </span></span><span style="color: black; font-family: "Verdana","sans-serif"; mso-themecolor: text1;"><span style="font-family: Verdana, sans-serif;"></span></span></div>
<span style="color: black; font-family: "Verdana","sans-serif"; mso-themecolor: text1;"><span style="font-family: Verdana, sans-serif;"></span></span><br />
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<span style="font-family: Verdana, sans-serif;">Now some fun stuff for the end of the school year. Rock
'n’ Roll comes to Personal Finance. Check out this cool video published by Period 5 Personal Finance
Class on Dec 17, 2012. I don’t know the name of the school
that published this video. If you have more information please pass it on to
me. I smile every time I watch it. This
teacher really knows how to make class fun. I give her and her students 5 stars
on their enthusiasm and performance. If you have a fun personal finance video
that your students created and you would like to see it on this blog - drop me
a line.</span></div>
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<span style="font-family: Calibri;"><iframe allowfullscreen="" frameborder="0" height="360" src="http://www.youtube.com/embed/94WKjzuAH1o?feature=player_detailpage" width="640"></iframe><o:p></o:p></span><br />
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<span style="color: magenta; font-family: BaaBookHmk; font-size: 18pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Thanks for Stopping By.</span></div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-2678148002853730645.post-56647436075742492762013-05-03T01:00:00.000-04:002014-08-18T21:31:02.736-04:00Ohhh, My First Car Assignment
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<b style="mso-bidi-font-weight: normal;"><span style="color: #00b0f0; font-family: JanieHmk; font-size: 26pt;">A Great Personal
Finance Lesson Plan <o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #00b0f0; font-family: JanieHmk; font-size: 26pt;">for the Spring!</span></b></div>
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<i style="mso-bidi-font-style: normal;"><span style="color: #7030a0; font-family: CluffHmkBold; font-size: 14pt;">Ohhh My First Car</span></i><span style="font-family: "Verdana","sans-serif"; font-size: 12pt;"> is a great
assignment for keeping kids interested, especially at the end of the school
year when the weather warms and their thoughts drift off to summer
break.<span style="mso-spacerun: yes;"> </span>They may even be thinking about
tooling around in their dream car with their best friend or girlfriend.<span style="mso-spacerun: yes;"> </span>If you need a lesson to keep your students
focused check out </span><i style="mso-bidi-font-style: normal;"><span style="color: #7030a0; font-family: CluffHmkBold; font-size: 14pt;">Ohhh My First
Car</span></i><i style="mso-bidi-font-style: normal;"><span style="color: #7030a0; font-family: "Verdana","sans-serif"; font-size: 12pt;">.</span></i><i style="mso-bidi-font-style: normal;"><span style="font-family: "Verdana","sans-serif"; font-size: 12pt;"><span style="mso-spacerun: yes;"> </span></span></i><span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">It’s the kind of
lesson that grabs kids’ attention and holds it all the way through.<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">It
is a great lesson for any <i style="mso-bidi-font-style: normal;">Personal
Finance</i> class, but if you happen to have a class full of rambunctious
boys in the Spring this lesson will keep them engaged.<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">One
of the more memorable moments of my teaching career was when a student of
mine stopped by after school one Spring day. He had taken my <i style="mso-bidi-font-style: normal;">Personal Finance</i> class two years prior,
and was now ready to buy his first car!<span style="mso-spacerun: yes;">
</span>He remembered learning how to calculate car payments in the </span><i style="mso-bidi-font-style: normal;"><span style="color: #7030a0; font-family: CluffHmkBold; font-size: 14pt;">Ohhh My First Car</span></i><span style="font-family: CluffHmkBold; font-size: 14pt;"> </span><span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">lesson.<span style="mso-spacerun: yes;"> </span>And now all he needed was a little help
finding the on-line payment calculator.<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">Boy
was I beaming – my students were using what I taught them in class to make
informed decisions.<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">As
we talked I got the definite feeling that someone at home was trying really
hard to talk him out of buying this particular car.<span style="mso-spacerun: yes;"> </span>I also got the feeling that he was dead set
on buying his dream car.<span style="mso-spacerun: yes;"> </span>He was going
to prove to himself and his parents that he could afford that car by
calculating the monthly car payments.<span style="mso-spacerun: yes;"> </span><br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">He
sat down at my computer.<span style="mso-spacerun: yes;"> </span>I gave him
the web address he needed to find the calculator.<span style="mso-spacerun: yes;"> </span>He pulled it right up, entered all the
necessary information, and calculated his monthly payments without a bit of
help from me. Then there was a long silence while he stared at the computer
screen.<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">In
this shining moment, I did not say a thing, and after a long, silent pause he
looked at me and softly said, “I guess I can’t afford that car.”<span style="mso-spacerun: yes;"> </span>How empowering for him! He calculated the
car payments, and he made an informed decision that now was not the time to
buy that car.<span style="mso-spacerun: yes;"> </span>I never felt more proud
of a student in my life.<span style="mso-spacerun: yes;"> </span>I am sure he
has gone on to be very successful in life.</span></div>
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<a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Financing-a-Car-Bundle" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEijjHoV2myGe_nxo3JGUC5rkxQV1hL3zcLaCYwu8IGlKbdWju1qqaSCx3Ogw4N7nuVK8I4iJOvLvI_KFAAoF5bR1UVc5wFYRFn9VqHrErayoQHs2MymQ-61xeRvyOLVn4KnEuKp2nRuZ_4/s320/Ohhh+My+First+Car+Cover+2.JPG" height="195" width="200" /></a></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;"></span><br /></div>
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<i style="mso-bidi-font-style: normal;"><span style="color: #7030a0; font-family: CluffHmkBold; font-size: 14pt; mso-bidi-font-family: Arial;">Ohhh My
First Car</span></i><span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: Arial;"> is a bundle of 4 lessons designed to
teach students everything they need to know about purchasing a new or used
car. It is loaded with hands-on lessons that teach students the ins and outs
of selecting a vehicle, finding the best interest rates, and calculating car
payments. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: Arial;">This unit contains 4 lessons on 64
pages in 13 PDF files all for $12<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: Arial;"><a href="http://www.teacherspayteachers.com/Product/Personal-Finance-for-Teens-Unleashed-Financing-a-Car-Bundle" target="_blank">You can find this lesson at Teachers Pay Teachers by following this link. </a></span><br />
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: Arial;"> </span><span style="font-family: "Verdana","sans-serif"; font-size: 12pt;"><o:p></o:p></span></div>
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<b><span style="color: #0070c0; font-family: CluffHmk; font-size: 16pt;">Lesson
1 – Buying a New Car</span></b><span style="color: #0070c0; font-family: CluffHmk; font-size: 16pt;"><o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">In
lesson 1 students will research a new car using the Internet.<span style="mso-spacerun: yes;"> </span>They will learn how to select car style,
color, and options. They will learn how to find information on: customer
ratings and reviews, safety and reliability, mileage and warranty.<span style="mso-spacerun: yes;"> </span>They will review the vehicle summary and
learn the difference between MSRP Price, Invoice Price, and Smart Target
Price.<span style="mso-spacerun: yes;"> </span><br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<b><span style="color: #00b050; font-family: CluffHmk; font-size: 16pt;">Lesson
2-Buying a Used Car<o:p></o:p></span></b></div>
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<td style="background-color: transparent; border: rgb(0, 0, 0); padding: 0in 5.4pt; width: 517.95pt;" valign="top" width="691"><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">In
Lesson 2 students will use the Internet to research a used car.<span style="mso-spacerun: yes;"> </span>They will learn what certified pre-owned
means. They will learn how to find information on seller’s notes, as well as
consumer ratings and reviews, safety and reliability, mileage and
warranty.<span style="mso-spacerun: yes;"> </span>They will learn to research
the car’s history including, accidents, recalls and service records. To help
determine if they are paying a fair price for the vehicle they will learn to
use Kelly Blue Book. <br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
<o:p></o:p></span></div>
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<td style="background-color: transparent; border: rgb(0, 0, 0); padding: 0in 5.4pt; width: 517.95pt;" valign="top" width="691"><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<b><span style="color: #7030a0; font-family: CluffHmk; font-size: 16pt;">Lesson
3 – Finding the Best Interest Rates</span></b><span style="color: #7030a0; font-family: CluffHmk; font-size: 16pt;"><o:p></o:p></span></div>
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<td style="background-color: transparent; border: rgb(0, 0, 0); padding: 0in 5.4pt; width: 517.95pt;" valign="top" width="691"><div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">In
lesson 3 students will use the Internet to research interest rates.<span style="mso-spacerun: yes;"> </span>They will learn how to find a loan from a
local bank or credit union that offers the lowest interest rate with the
least amount of fees and conditions for the car they selected. <br /><br /><o:p></o:p></span></div>
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</div>
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<b><span style="color: #ff3399; font-family: CluffHmk; font-size: 16pt;">Lesson
4 – Calculating Car Payments<o:p></o:p></span></b></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">In
lesson 4 students use the Internet to learn how to calculate monthly car
payments based on the price of the car they chose, and the best interest
rates they found in lesson 3. They also learn how to gather additional information
by reading the amortization table. By completing this lesson students will
learn that the price of the car, the interest rate, and the number of years
taken to pay off the car loan all come into play in determining their monthly
car payment, as well as the amount of interest paid on the loan.<span style="mso-spacerun: yes;"> </span>They will quickly see that loans are not
free.<br /><br /><o:p></o:p></span></div>
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">*This
unit is aligned with National Core standards for Personal Finance.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">*It
offers options to make the lessons within it easier or more challenging. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">*Discussion
questions for each lesson are included in the teacher notes.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">*Each
lesson is packed with great questions, as well as sample answers.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt; text-align: left;">
<span style="font-family: "Verdana","sans-serif"; font-size: 12pt;">*Detailed
student directions and teacher notes are included.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #00b0f0; font-family: CluffHmk; font-size: 20pt;">Thanks for
Stopping By!<span style="mso-spacerun: yes;"> </span></span></b></div>
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Unknownnoreply@blogger.com0