Monday-

Topics:  Ch. 4 Test results

Activities:  Ch. 4 Test corrections

Tuesday-

Topics:  Objectives for Ch. 5; become familiar with vocabulary for Ch. 5

Activities:  Students will define the vocabulary for Ch. 5 using their book in Google drive.

Wednesday-

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.

Thursday-

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.

Friday-

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.

Monday-

Topics:  Test Review

Activities:  Chapter review due.  Students will then be divided into teams to compete in Test review game.  Winning team will get 5 points added to test grade.

Tuesday-

Ch. 4 Test- Debt

Wed-Friday- 

Out for Thanksgiving holidays!

Monday-

Topics:  Debt vs. Wealth Building

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

Tuesday-

Topics:  The Credit Score

Activities:  Students to watch video 3.1 and fill-in notes and journal question.  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?

Wednesday-

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 long 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 Fai 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 you are a victim?  4. Tips to protect yourself from identity theft?  5.  What should a strong password include?

Thursday-

Out for state volleyball tourney

Friday-

Topics:  Chapter review

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 first of class Monday.

Monday-Tuesday-

Topics:  Review of Friday’s material (The truth about car loans)

Activities:  Students to complete the “Drive Free” activity using the Internet and a calculator.

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) 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 ether 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 questions:  1.  What is your 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:  How to create a zero based budget

Activities:  Homework due:  Cash flow plans for last week.  Students will receive “The Student budget” activity sheets.  We will go through the 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.  Students will then be responsible for finishing the budget for Jenna as well as create a zero based budget for themselves using their completed cash flow plans. If do not finish in class, for homework.  Due by the first of class Tuesday.

Tuesday-

Topics:  How to create a zero based budget (continued)

Activities:  Homework due:  The Student budget.  Class will be divided up into “families.”  Students will draw for their family makeup.  They will come up with a family name and names for family members.  Students will then draw for their family’s income.  Families will need to divide their income by 12 to get a monthly income and multiply by .8 to get their income minus any taxes.  Afterwards, students must come up with a budget for their “family’ using the information that they are given.

Wednesday-

Band competition-  remaining students will be given time to complete any makeup work as needed.

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.

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 High School link then go to FPP  Radio Calls.  They will then need to choose one radio call to listen to.  On a sheet of paper, you will need to write which radio call topic you chose, summarize the caller’s question/situation, and Dave Ramsey’s advice to them.  Due by the end of class.

Monday-

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 Tuesday first 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 money coming in or out.  Must write date, who going to or receiving from, what for, and amount. Will be due next Monday.

Tuesday-

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 a 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.

Wednesday-

PSAT testing-  If not taking the test, you will need to bring something to work on or read.

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:  Ch. 2 test results; discuss objectives for next chapter (Budgeting)

Activities:  Go over any questions/ problems on test. Students will then define the vocabulary for Ch. 3 using online book.

Monday-

Topics:  Review “Reasons to Save Money”

Activities:  Discuss “Sinking Fund Savings” activity.  Will go thru how to figure out a monthly amount to put into a sinking fund for items, events, etc.  Students will then answer the 3 questions over sinking funds and be prepared to discuss their answers with the class. Turn in when discussion complete for a daily grade.

Tuesday-

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.  Due by the end of class for a daily grade.

Wednesday-

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 Thursday.

Thursday-

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.

Friday-

Topics:  Test knowledge of Ch. 2 material

Activities:  Ch. 2 Test- Saving

Monday-

Signed progress reports due for extra 100 in gradebook.

Tuesday-

SAT bootcamp. Students need to bring something to read or work on.

Wednesday-

Topics: Saving:  An exercise in character

Activities:  Video 1.1, note fill-ins, and journal question; class discussion;  Students to be divided into groups.  They will be instructed to read passage “Are Americans Good Savers?”  They are to discuss and answer the following questions in their groups and be ready to share with the class:  1. Explain what is wrong in this cause/effect relationship in Americans’ money saving behavior.  2.  What should be the cause of one’s money saving habits?  3.  How is it that Americans are able to save a larger percentage of their income when the economy is weak, unemployment is high, and incomes are generally lower?

Thursday-

Topics:  Three Basic Reasons to Save Money

Activities:  Video 2.1, note fill-ins, and journal question; class discussion; Students to then complete the “Savings by Nation” questions using calculator and Internet;  students to share findings with the class

Friday-

Topics:  Three Basic Reasons to Save Money (continued)

Activities:  Videos 2.2 and 2.3 and note fill-ins. Class discussion. Students to then complete the “Sinking Fund Savings” activity .

Monday-

Topics:  Ch. 1 Test review

Activities:  Ch. 1 Chapter summary due.  Review Ch. 1 using review game.  Exchange and grade review sheets.  Test tomorrow over Ch. 1.

Tuesday-

Topics:  Test knowledge of Ch. 1 material

Activities:  Ch. 1 Test- Introduction to Personal Finance

Wednesday-

Topics/Activities:  Discuss Ch. 1 Test results

Early release day

Thursday-

Topics:  Overview of Ch. 2 (Saving)

Activities:  Students to define vocabulary for Ch.2

Friday-

Topics:  Saving:  An Exercise in Character

Activities:  Video and notes; Class discussion; Students to then read p. 33 in online textbook “Are Americans Good Savers?” They are to then draw a graphic organizer identifying the cause and effect as it relates to Americans’ savings habits.  They are to also answer the following questions:  1. Explain what is wrong in this cause/effect relationship in Americans’ money saving behavior.  2. What should be the cause of one’s money saving habits?  3. How is it that Americans are able to save  a larger percentage of their income when the economy is weak, unemployment is high, and incomes are generally lower?