Monday-

Topics:  Mutual Funds

Activities:  Students to watch video 2.2/ Notes fill-ins and journal question.  Discussion Questions:  1.  Explain how mutual funds work? 2. What is the main advantage of a mutual fund? 3. What level of risk do mutual funds carry if well diversified?  Refer to graph on p. 170/ Discuss.  Will ten go over what a prospectus is and how to read.  Students will then complete the activity “Reading a Prospectus”.

Tuesday-

Topics:  Qualified plans, annuities, real estate, stock market

Activities:  Students to watch video 2.3/ Notes fill-ins and journal question.  Discussion Questions:  1.  What is a qualified plan?  Give an example.  2.  What does it mean to have an investment with a “tax deferred arrangement”?  3.  What is a Roth IRA?  4.  What is an annuity?  5.  What are some benefits of adding real estate to your investment portfolio?6. What are some downfalls of investing in real estate?  7.  In Dave’s opinion, what are horrible investments?  8.  What is the stock market?  9.  What is the primary difference between the American Stock exchange and the New York Stock Exchange?  Refer to p. 172 “Make the most out of your inheritance”/ Discuss. If time…students will complete activity “Name that Investment”

Wednesday–

Topics:  Employer Benefits and Retirement Plans

Activities:  Students to watch video 3.1/ Notes fill-ins and journal question.  Discussion Questions:  1.  What is the purpose of an employer benefits package?  2.  what are the typical components of an employer benefits package?  3.  When you leave a job, how can you move the money you have saved in your employer’s retirement without paying taxes and penalties?  4.  When is it okay to borrow money from your retirement plan?  If time, hand back and discuss “Name that Investment activity

Thursday-

Topics:  Funding 401(k)s and Roth IRAs

Activities:  Go through several sample problems, then students are to complete the investment chart on the “Funding 401(k)s and Roth IRAs” worksheet keeping the following things in mind:  Contribution Limits (Roth IRA):  Individual- $5500/yr; Married- $11,000/yr.  Salary Cap (Roth): Single- $105,000; Married-$166,000. If don’t finish in class, for homework.  Due by the first of class Friday.

Friday-

Topics:  Review of Ch. 8 material (investing and Retirement)

Activities:  Students will participate in a test review game.  Top two scorers at end of the game will receive 5 bonus points on test.

Monday-

Topics:  Investing 101/ Basic rules of investing

Activities:  Students to watch video 1.1/Notes fill-ins and journal question.  Discussion questions.  Students will then identify 2 long-term financial goals and answer the following questions about each:  1.  Am I willing to make the financial sacrifices necessary to meet this goal?  2.  If I don’t accomplish this goal, what are the consequences?  3.  How much money do I need to accomplish this goal and when will I need it?

Tuesday-

Topics:  Basic rules of investing (continued), diversification, risk return ratio and liquidity

Activities:  Students to watch video 1.2/ Notes fill-ins and journal question.  Discuss what students put for journal question “If you were giving advice to a friend, what would you say are the most important things to know about investing?”  Discussion questions:  1.  Explain how diversification helps to protect your wealth?  Refer to quote on p. 165 under Diversification.  Refer to chart on p. 166/Discuss.  2.  Explain what risk return ratio is.  3.  Explain what the liquidity of an asset refers to.  Go through example of ranking investments in order of most to least liquid.  Lastly, refer students to sidebar “Throughout Stock Market’s history” on p. 165.  Read and discuss.

**Note:  All students will need to bring your headphones to class tomorrow**

Wednesday-

Early release for students- bring something to work on

Thursday-

Topics:  Types of Investments

Activities:  Students to watch video 2.1/ Notes fill-ins and journal question.  Discussion questions.  Students will then listen to one of the radio call ins from “Live from financial Peace Plaza” then write a brief summary. Will need to be prepared to share their summary of the phone call with the class.

Friday-

Topics:  Mutual funds

Activities:  Students to watch video 2.2/ Notes fill-ins and journal question.  Discussion Questions:  1.  Explain how mutual funds work?  2.  What is the main advantage of a mutual fund?  3.  What level of risk do mutual funds carry if well diversified?  Refer to graph on p. 170/ Discuss.  Will then  go over what a prospectus is and how to read.  Students will then complete activity “Reading a Prospectus”

 

Monday-

Holiday!

Tuesday-

Topics:  Review Ch. 6 material

Activities:  Students will participate in test review game.  Winning team will receive 5 bonus points added to their test.

Wednesday-

Ch. 6 Test- Consumer Awareness

Thursday-

Topics:  Test results

Activities:  Students will make test corrections as needed.

Friday-

Topics:  Students to become familiar with new vocabulary

Activities:  Students to define the vocabulary for Ch. 8.

Monday-

Topics:  Consumer awareness/Buyer Beware (cont.)

Activities:  Homework due (Commercial Viewer).  Discuss.  Show Video 4.1, notes, journal question.  Discussion questions.  Students to then complete the activity “The Cost of Cool”.

Tuesday-

Topics:  Buyer’s Remorse

Activities:  Video 2.1/Students to fill in notes and complete journal question.  Discussion questions:  1.  What constitutes a significat purchase?  2.  Give an example of immature spending behavior.  3.  What’s the correct way to pay for large purchases?  Refer to sidebar on p. 135 “The average U.S. …” 4.  Can you think of anything in your home that was bought but never or rarely used?

Wednesday-

Topics:  Opportunity Cost

Activities:  Video 3.1/Students to fill in notes and complete journal question.  Discussion Questions:  1.  Why is it important to develop power over purchase?  2.  When considering your buying motives, you should be sure that you are not confusing happiness with fun.  Explain what Dave means by this. **Refer to “how does inflation affect your buying power?” on p. 137.  Discuss.  Students will then be divided up into pairs and complete the activity:  “Opportunity Cost”

Thursday-

Topics:  Opportunity Cost activity; chapter review

Activities:  Students will complete the Chapter 6 Summary and Money in Review using their notes and/or book.

Friday-

Topics:  Chapter review

Activities:  Students to exchange and grade test reviews.  Discuss any questions that students had over review.