Monday-

Topics:  Test results; objectives for next chapter

Activities:  Test corrections; define vocabulary for Ch. 10

Tuesday-

Topics:  Understanding your money personality

Activities:  Discuss learning objectives; students to do measure your progress; video 1.1, note fill-ins and journal question; Discussion questions:  1.  How do a person’s values affect the way in which he or she handles money? 2.  Are you a natural saver or spender? Explain.  Homework:  Interview someone from parents or grandparent’s generation using given questions.  Completed interview due Friday.

Wednesday-

Topics:  Marriage and Money

Activities:  Video 2.1, note fill-ins, journal question; Discussion questions:  1.  In a marriage, who is supposed to do the financial decision making?  2.  In a marriage, besides telling your money what to do, what else does having a budget accomplish?  Activity:  “Creating Debating”

Thursday-

Topics:  Communication is Key

Activities:  Video 3.1, note fill-ins, journal question; Discussion questions:  1. What are some important guidelines to remember when communicating with others about money?  2.  Why is it important to communicate with other household members about money?

Friday-

Topics:  Review of Chapter material

Activities:  Interview homework due/ Discuss;  Students will then complete the Ch. 10 Money in review using their notes.  If don’t finish in class, for homework.

Monday–

Topics:  Protecting your wealth

Activities:  Discuss Learning Outcomes for section 1; students to read and answer the questions on “Measure your Progress” as well as journal question before watching video; Students to watch Video 1.1, fill in note-blanks & journal question; Discussion Questions:  1.  Explain the role of insurance in your financial plan?  2.  Why is it important to understand that insurance is a financial product?  3.  If you have a full emergency fund, what is the best way to keep your premiums down? 4.  What is a deductible? (see sidebar on p. 190)

Tuesday-

Topics:  Basic Types of Coverage

Activities:  Discuss learning outcomes for section 2; students to watch Video 2.1, fill in note-blanks and journal question; Discussion Questions:  1.  What is the purpose of liability insurance protection?  2.  why do you need comprehensive coverage on your vehicle in addition to collision?  3.  What are some things that you can do to get a good deal on car insurance as a teen driver?  **Refer to p. 193 “Top things to know about auto insurance”.  Read and discuss.  Also refer to p. 191 “Need another reason to pay cash for your car?”.  Read then discuss.  Activity:  Auto Liability Limits

Wednesday-

Topics:  Basic Types of Coverage (cont.)

Activities:  Review yesterday’s topics; Discussion questions:  1.  What does a homeowner’s policy protect you against?  Refer students to sidebar on p. 194/ Discuss; Activity:  Understanding Renter’s insurance

Thursday-

Topics:  Health insurance

Activities:  Students to watch Video 2.2,  fill-in note blanks and answer journal question; Discuss new material; Activity:  Health Plan overview

Friday-

Topics:  Long-term Insurance, disability and Identity theft protection

Activities:  Health Plan overview due/ Discuss;  Video 2.3, fill in note-blanks and journal question; Discussion Questions:  1.  What is the purpose of long-term care insurance?  2.  At what stage of life (what age) is long-term care insurance recommended?   Watch video 2.4, fill in note-blanks and journal question; Discussion questions:  1.  What is the purpose of disability insurance?  2.  Your disability coverage should be for ________?  3.  What is the most affordable way to get disability insurance?  4.  What is the purpose of identity theft protection?  Assignment:  Students will test their “phishing IQ” by going to foundationsU.com/Phish.  Complete test; review incorrect answers and write down what clue they missed in identifying the fraudulent email.

Monday-

Holiday! No school!

Tuesday-

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

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

Wednesday-

Topic/Activity:  Ch. 8 Test (Investing and Retirement)

Thursday-

Topics:  Test results; questions about test

Activities:  Students will receive back their test results, then make test corrections.

Friday-

Topics:  Become familiar with new vocabulary

Activities:  Students to define the vocabulary for Ch. 9 using book in Google drive.  Due by the end of class.

Monday-

Teacher inservice.  No class for students!

Tuesday-

Topics:  Review information covered last week while I was gone

• Go over: “Reading a prospectus” worksheet
• Discuss: Qualified plans, annuities, real estate, stock market
• Go over: “Name that Investment” worksheet
• Discuss:  Employer Benefits and Retirement Plans

Wednesday-

Topics: Funding 401k’s and Roth IRA’s

Activities:  Go through several sample problems, then students will complete the Funding 401k’s and Roth IRA’s worksheet given the information provided.  If don’t finish in class, for homework. Due by the first of class Thursday.

Thursday-

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

Activities:  Will spend a few minutes going over yesterday’s work (Funding 401k’s…) Students will then complete the Ch. 8 Money in Review using their notes and vocabulary.  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 game will receive 5 bonus points on test.

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 then  go over what a prospectus is and how to read.  Students will then complete activity “Reading a Prospectus”

Tuesday– substitute

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– substitute

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-substitute

Topics:  Funding 401(k)s and Roth IRAs

Activities:  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.

Friday– substitute

Speaker-  Students to listen, take notes, and ask questions as needed.

Tuesday-

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 scrifices 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?

Wednesday-

Early release for students-  bring something to work on

Thursday-

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**

Friday-

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.

Monday-

Topics:  Consumer awareness/ Buyer Beware (cont.)

Activities: Discuss homework “Commercial Viewer” with 6th period.  Show Video 4.1, notes, journal question.  Discussion questions.

Tuesday-

Topics:  Buyer’s Remorse

Activities:   Video 2.1/ Students to fill in notes and complete journal question.  Discussion questions:  1.  What constitutes a significant purchase?  2.  Give an example of immature spending behavior.  #.  What’s the correct way to pay for large purchases?  4.  Can you think of anything in your home that was bought but never or rarely used?  Activity:  Students to complete the “The Impact of Daily Decisions”  using the Investing tool on the foundationsu.com website.  For homework, if don’t finish in class.

Wednesday-

Topics:  Opportunity Cost

Activities:  Discuss yesterday’s work:  “The Impact of Daily Decisions”.  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:  Review of chapter topics

Activities:  Students will participate in a review game over Ch. 6 material.  Winning person or team will get 5 bonus points added to their test.

Monday-

Topics:  Cash flow your college education

Activities:  Video 3.1.  Students to fill in notes and answer journal question.  Discussion questions:  1.  What does it mean to Cash-flow your education?   2.  What are things that you can and should be doing right now in order to cash-flow your post-high school education?  Students will then complete the “Looking at college or vocational school expenses” activity using the Internet.

Tuesday-Wednesday

Topics:  Cash Flow your college education (cont.)

Activities:   Video 3.2.  Students to fill in notes and answer journal question. Discussion questions:  1.  Why is it important to fill out the FAFSA (Free Application for Federal Student aid) even though you are not going to take out student loans?  2.  What are grants?  Refer to sidebar titled “Is there a scholarship out there for me?”  Discuss.  Refer to “Where to Find Scholarships” paragraph.  Discuss.  Students will complete the “Researching Scholarships” activity.  Homework will be for students to ask their parent(s) about any scholarships that student may be eligible for thru their parents’ work.  Due by the first of class Thursday.

Thursday-

Topics:  Education Options for the 21st Century

Activities:  Homework due:  Signed “Researching Scholarships” activity.  Video 4.1  Students to fill in notes and answer journal question.  Discuss Questions:  1.  Do all career paths require a four-year college education?  2.  How do you know what education and career path is right for you?  3.  What are some important things to consider if you are thinking of starting your own business?  4.  What are some post-secondary education alternatives to a four-year college degree?

Friday-

Topics:  Review of Ch. 5 material (this will be material for exam)

Activities:  All students to complete the Ch. 5 summary packet.  If don’t finish in class, for homework.  Due by the first of class Monday.