Monday-

Topics:  Life After High School-  Beware and be Wise

Activities:  Discuss learning objectives for section 1; students will complete the “Measure your progress” for Ch. 5; Watch Video 1.1 and fill in blanks for notes; Discussion Questions:  1.  What are some ways in which you can invest in yourself?  2.  In what ways can you do a better job of investing in yourself now?  Refer to p. 105 “This debt has ruined…”  Will read together and discuss.  Then watch video 1.2 and fill in blanks for notes;  Discussion Questions:  1.  Review:  What are the first 3 foundations?  4th foundation is “Pay Cash for College”.  2.  What is the student loan myth?  Refer to p. 107 “A message from Dave.”  Read and discuss.

Tuesday-

Topics:  Exploring the FAFSA website

Activities:  Students will explore the FAFSA website and answer the questions on the “Navigating the FAFSA website” worksheet.  If don’t finish in class, for homework.  Be prepared to discuss your answers with the class.

Wednesday-

Topics:  Results from exploring the FAFSA website activity; Ch. 5 Section 2-  Start with the end  in mind

Activities:  Class discussion of results from exploring the FAFSA website activity;  Watch Video 2.1 and fill-in notes;  Discussion Questions:  1.  What are some excuses people make for taking out student loans?  2.  What percentage of student loan borrowers had difficulty repaying their student loan?  Refer to p. 110 “I regret going to college when and how I did.”  Read and discuss

Thursday-

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.

Friday-

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 the complete the “Researching Scholarships” activity.  Homework will be for students to ask their parent(s0 about any scholarships that student mat be eligible for thru their parent’s work.  Due by the first of class Monday.

Monday-

Topic:  Chapter review over Debt

Activities:  Students will participate in a review game to go over topics for test.  Winning team will receive 5 bonus points towards their test grade.

Tuesday-

Activities:  Test over Chapter 4- Debt

Wednesday-

Topics:  Ch. 4 Test results

Activities:  Go over Ch. 4 Test; students to make corrections to missed questions and turn back in by end of class.

Thursday-

Topics:  Discuss objectives for Ch. 5 (Life after high school); students to then become familiar with Ch. 5 vocabulary

Activities:  Students to define the vocabulary for Ch. 5 using their book in Google drive.  Due by the end of class for a daily grade.

Friday-

Topics:  Life After High School-  Beware and be Wise

Activities:  Discuss learning objectives for section 1; students will complete the “Measure your progress” for Ch. 5; Watch Video 1.1 and fill in blanks for notes; Discussion Questions:  1.  What are some ways in which you can invest in yourself?  2.  In what ways can you do a better job of investing in yourself now?  Refer to p. 105 “This debt has ruined…”  Will read together and discuss.  Then watch video 1.2 and fill in blanks for notes;  Discussion Questions:  1.  Review:  What are the first 3 foundations?  4th foundation is “Pay Cash for College”.  2.  What is the student loan myth?  Refer to p. 107 “A message from Dave.”  Read and discuss.

Monday-

Topics:  The Credit Score

Activities:  Students to watch video 3.1 and fill in notes and journal questions.  Discussion Questions:  1.  What does FICO stand for?  Refer to chart on p. 90 (5 components)  2.  What are the 5 components of the FICO score? 3.  Can you really live without a credit score?  Activity:  Students to get online and answer the following questions on their own:  1.  Explain what the 5 components of the FICO score mean (Describe)  2.  Range of possible FICO scores  3.  Levels marking bad credit, good credit, etc.  4.  How is manual underwriting an alternative to having to obtain a mortgage with a FICO score?

Tuesday–

Topics:  Credit Bureaus and Identity Theft

Activities:  Students to watch video 4.1 and fill in notes and journal question.  Discussion Questions:  1.  What is a credit bureau?  2.  Typical client of credit bureaus?  3.  How longs does info stay on your credit report?  4.  What are the three main credit bureaus?  5.  How often should you check your credit report for errors?  6.  What issues was the Fair credit Reporting Act intended to address?  7.  Discuss the Fair debt collection practices act.  Identity Theft:  1.  Fastest growing white-collar crime in N. America?  2.  What are some warning signs that you may have had your identity stolen?  3.  What should you do if you think your are a victim?  4. Topics to protect yourself from identity theft?  5.  What should a strong password include?  Students are to then get onto Foundationsu.com and select and listen to an Ask Dave radio call.  Will need to summarize caller’s situation, including financial information needed to make a decision, followed by the advice that Dave gave the caller.  Turn in for a daily grade.

Wednesday-

Early release-  afternoon class will not meet today.  Morning class will have time to finish summarizing the radio call from yesterday if did not finish in class.

Thursday-

Topics:  Chapter review over Debt

Activities:  Students to use their notes and book from Google drive to complete the chapter review questions.  If don’t finish in class, for homework.  Due by the first of class Friday.

Friday-

Topics:  Chapter review over Debt

Activities:  Chapter review questions due.  Students will then participate in a review game to go over topics for test.  Winning team will receive 5 bonus points towards their test grade.

**Test Monday over Chapter 4- Debt

Monday-Tuesday

Bring something to work on or read.  We will not start new section until Wednesday when band members return from state competition.

Wednesday-

Topics:  Credit cards

Activities:  Students to watch video 2.5 and mark fill-ins on notes and answer journal question.  Discussion questions:  1.  Why are teens such a huge target for credit card companies?  2.  Studies show that people spend 12-18% more when using credit cards.  Why is that?  Activity:  Students are to find three credit advertisements (Ex.  car loans, credit cards, title pawn, etc.).  Students are to print advertisements then write three statements for each ad that either refute a claim or point out a negative reality of the debt product that the ad fails to reveal.

Thursday-

Topics:  Debt vs. Wealth-Building

Activities:  Students to watch video 2.6 and mark fill-ins on notes then answer the journal question.  Discussion question:  1.  What is you largest wealth-building tool?  2.  List the steps to get out of debt.  Refer students to sidebar on p. 89 about serious consequences of not repaying debt.  Read and discuss.  Refer students to article “What about credit card rewards?”  on p. 88 in textbook.  Read and discuss. 3.  What is the debt snowball?  How does it work?  Activity:  The Debt Snowball.

Friday–

Topics:  Debt vs. wealth building

Activities:  Students will get back into groups from yesterday and finish the Debt Snowball activity.  Will come together and discuss when finished.

Monday-Tuesday

Topics:  How to pay cash for your car; car leasing

Activities:  Students will watch video 2.2, filling in blanks on notes.  Will go over any missed blanks then students will answer the journal question: “Explain how the “drive free” method of buying a car works.” Discuss.  Other discussion questions:  1. How does having a car payment stand in the way of building wealth?  2.  Besides payments, describe 2 additional ways you lose when buying a new car?  Show video 2.3, students to fill in blanks on notes.  Will go over any missed blanks then students will answer the journal question: “Explain why leasing is a bad idea?”  Discuss.  Refer students to sidebar on p. 84.  Read aloud and discuss.  Other discussion questions:  1.  What does it mean to be upside-down on a credit purchase?  2.  What are some of the myths regarding car leasing?  Students to then complete the “Drive Free” activity on their own using the Internet and a calculator.  If don’t finish in class, due at the first of class Wednesday.

Wednesday-

Topics:  Buying a House

Activities: Students to watch video 2.4 and mark fill-ins on notes.  Discussion questions:  1.  Wise decisions you should make when buying a house?  Refer to graph on p. 85 (15 or 30-year mortgage).  Refer students to sidebar on p. 85.  Read and discuss.  2.  Fixed versus variable rate mortgages?  Refer to sidebar on p. 86 (Mortgages to avoid)  3.  Why are reverse mortgages a bad idea?  Activity:  search for a home to buy.  Students will then use a calculator and/or mortgage calculator to determine the following:  10% down payment  2.  Payments on the home if get a 15-year fixed rate loan at specified interest rate  3.  What take home pay would I need to make in order to keep the house payment at or below 25% of take home pay.

Thursday-

Topics:  Credit cards

Activities:  Students to watch video 2.5 and mark fill-ins on notes and answer journal question.  Discussion questions:  1.  Why are teens such a huge target for credit card companies?  2.  Studies show that people spend 12-18% more when using credit cards.  Why is that?  Activity:  Students are to find three credit advertisements (Ex.  car loans, credit cards, title pawn, etc.).  Students are to print advertisements then write three statements for each ad that either refute a claim or point out a negative reality of the debt product that the ad fails to reveal.

Friday-

Topics:  Debt vs. Wealth-Building

Activities:  Students to watch video 2.6 and mark fill-ins on notes then answer the journal question.  Discussion question:  1.  What is you largest wealth-building tool?  2.  List the steps to get out of debt.  Refer students to sidebar on p. 89 about serious consequences of not repaying debt.  Read and discuss.  Refer students to article “What about credit card rewards?”  on p. 88 in textbook.  Read and discuss. 3.  What is the debt snowball?  How does it work?  Activity:  The Debt Snowball.

Monday–

Topics:  Debt-  Product, Not privilege

Activities:  Discuss Learning Outcomes for Section 1.  Complete Measure your progress (Before).  Watch Video 1.1.  Students to take notes and answer journal question.  Discuss video content.  Then read and discuss “The Devastating Effects of Credit.”  Watch Video 1.2.  Students to take notes and answer journal question.  Discuss.

Tuesday-Wednesday

Topics:  Hidden Costs of Credit

Activities:  Finish discussing second video from Monday.  Refer students to sidebar on p. 78.  Discuss.  Pull up and show national debt clock on foundationsU.com/clock and discuss national debt, elections, etc.  Students will then pick a partner and complete the “Hidden Costs of Credit” activity.  Discuss if time allows.

Thursday-Friday

Topics:  Debunking the Credit Myths; money myths

Activities:  Discuss Learning outcomes for Section 2.  Video 2.1-  students to fill in blanks in notes during video, then complete the journal questions.  Discussion Questions:  1.  Explain why cosigning a loan for a friend or relative is never a good idea. 2.  What is predatory lending?  3.  Why are people drawn to predatory lending companies?  Activity:  “Realities of Cash Advance”.

Monday-

Topics:  Review Ch. 3 material

Activities:  Students will participate in basketball test review game.  Winning team will receive +5 bonus points on their test.

Tuesday-

Activities:  Ch. 3 Test-  Budgeting

Wednesday-

Topics:  Test results; objectives for next section (Debt)

Activities:  Students will define the vocabulary for Ch. 4 on a sheet of paper using online book.

Thursday-

Topics:  Debt:  Product, Not privilege

Activities:  Discuss Learning Outcomes for Section 1.  Complete Measure your progress (Before). Watch Video 1.1.  Students to take notes and answer journal question.  Discuss video.  The read and discuss “The Devastating Effects of Credit.”  Watch Video 1.2.  Students to take notes and answer journal question

Friday-

Topics:  Debt:  Product, Not privilege

Activities:  Go back through fill-ins for 2nd video for section 1.  Discuss video content.  Refer students to sidebar on p. 78.  Discuss.  Pull up and show national debt clock on foundationsu.com/clock and discussed national debt, elections, etc.  Students will then pick a partner and complete “Hidden Costs of Credit” activity. Discuss if time allows.

Monday-

Topics:  Zero-Based budgets

Activities:  Students will receive “The Student budget” activity sheets.  We will go through scenario one and create a zero based budget for Marcus together as a class.  We will then go through how to calculate income for second scenario (Jenna) since it involves overtime pay.  Students will then be responsible for finishing the budget for Jenna as well as create a zero-based budget for themselves using their complete cash flow plans.  If don not finish in class, for homework.  Due by the first of class Tuesday.

Tuesday-

Topics:  Zero-based budgets

Activities:  Zero-based budgets due.  Will go through budget for Jenna.  Class will then be divided into groups of 4-6.  These groups will represent families of different makeups.  Each group will draw for their personal makeup.  Students will then choose a family name and names for family members.  Each group will record this information on the Student Activity Sheet.  Next, each group will draw for their annual income.  Students will need to divide this income by 12 (to determine their monthly income for budget purposes) then multiply that figure by .80 to get their monthly income after taxes.  After income is determined, each group will work together to create a zero-based budget based on the needs of their assigned family.  MUST include the basics for shelter, utilities, food, transportation, and clothing.  Also need to contribute some to savings to build an emergency fund.  All left-over money can be divided according to their family’s needs.

Wednesday-

Early release day–  Class will be given the opportunity to work on any assignments that they are behind on.

Thursday-

Topics: Review of Ch. 3 material

Activities:  Students are to complete the Ch. 3 Summary and Money in Review using their notes and their online book.  If don’t finish in class, for homework.  Due by the first of class Friday.

Friday-

Topics:  Reinforcement of Ch. 3 material

Activities:  students will be broken up into groups and given a scenario to read and discuss.  They must come up with, as a group, some possible solutions to the presented problems as well as answer any other questions that were given in scenario.  Students will then present their scenario and solutions to the class.  Afterwards, students will be directed to foundationsU.com.  They will need to click on the High School link and go to FPP Radio Calls.  They will then need to choose one radio call to listen to.  On a sheet of paper, they will need to write which radio call topic they chose, summarize the caller’s question/situation, and Dave Ramsey’s advice to them.  Due by the end of class.

Monday-

Topics:  Ch. 2 Test results; reinforcement of chapter material if needed; become familiar with vocabulary for next chapter

Activities:  Go over any questions/ problems on test.  All students will correct their tests by writing on notebook paper the question missed and correct answer and turn back in.  Any student who failed test, will be assigned unit in Odysseyware. Must complete unit before can attempt test retake.  Note:  Student may only retake test once if failed and the highest score they can make is a 70.  After corrections, students will then define the vocabulary for Ch. 3 on a sheet of notebook paper using book in Google drive (p. 50).  Turn in to box when complete.

Tuesday–

Topics:  Budgeting 101

Activities:  Go through learning outcomes for Ch. 3.  Students will complete the “Before”  section on Measure your progress.  Students will watch video 1.1, fill in blanks on notes, then be prepared to discuss the video content.  Sample cash flow plans will be shown and discussed.  Students will then watch video 1.2 and be prepared to discuss.  Students will receive activity “How to manage your checking account.”  Will discuss parts of a check, how to fill out, and how to keep a check register.  Students will then have to complete a check register using sample transactions.  Due Wednesday fist of class if don’t finish during class time.  Students will then be assigned the following homework:  they will have to keep a listing (by day) of all of their money coming in or out. (This can include money that your parents spend on you).  Must write date, who going to or receiving from, what for, and amount.  Will be due Monday of next week (Oct. 5).

Wednesday-

Topics:  Basics of Banking

Activities:  “How to manage your checking account” activity due.  Students will then watch Video 2.1 and be prepared to discuss the video content.  Next, we will discuss how to reconcile a bank statement with the check register with activity “Balancing your checking account.”  Students will then be given a copy of graphic organizer in which they will have to use to identify and describe the four types of expenses using p. 60 of student book.  Graphic organizer will be due Thursday by the first of class for a daily grade.

Thursday-Friday

Topics:  The importance of having a zero-based budget

Activities:  Graphic organizer due.  Students will watch video 3.1 and be prepared to discuss the video content.  Refer students to “How do you budget with irregular income?”  article on p. 63 of book.  Discuss.  Students will then watch video 3.2 and be prepared to discuss content.  Students will fill in journal question for video 3.2 on their notes.  Go over any blanks missed on notes as well as several discussion questions.

Monday-

Topics:  The Power of Compound Interest

Activities:  Students will watch Video 3.1 then be prepared to discuss the video content.  Will go over graph on p. 43 and discuss interpretations.  Students will then complete the “Saving:  A way to build wealth” activity using the foundationsU.com website.  Go to the investing calculator under “tools”.  Then use the investing calculator to complete the scenarios on the provided worksheet.  If don’t finish in class, for homework.

Tuesday-

Topics:  Review knowledge of Ch. 2 material

Activities:  Students to complete the Ch. 2 summary sheets using their notes and online book.  If review not finished during class, will be for homework and due by the first of class Wednesday.

Wednesday-

Topics:  Review knowledge of Ch. 2 material

Activities:  Ch. 2 review sheets due.  Students will then participate in review game over Ch. 2 material (Saving).  Then review sheets will be passed out and discussed.  Test tomorrow over Ch. 2.

Thursday-

Topics:  Test knowledge of Ch. 2 material

Activities:  Ch. 2 Test-  Saving

Friday-

Topics:  Ch. 2 Test results; reinforcement of chapter material if needed

Activities:  Go over any questions/ problems on test.  All students will correct their tests by writing on notebook paper the question missed and correct answer and turn back in.  Any student who failed test, will be assigned unit in Odysseyware.  Must complete unit before can attempt test retake.  Note:  Student may only retake test once if failed and the highest score they can make is a 70.