PERSONAL FINANCE day by day
PERSONAL FINANCE TOP 10 HABITS TO BE FINANCIALLY RESPONSIBLE - MAKE THESE HABITS PART OF YOUR LIFE!
(1) Daily Objectives January 28/29
Welcome!
Scavenger Hunt
Article Questions:
1. What do you think it means to be frugal?
2. What do you think you need to do in order to get rich?
3. Why is money saved now worth more than money saved in the future?
4. What does the saying " a penny saved is more than a penny earned" mean?
When done put this article and answers in the turn in basket.
3 x 5 cards
Group Work: PF info Question/Answer
Why Personal Finance video 11.28
Who am I? Fill in and turn in today
Square one: Five of your favorite things to eat
Square two: draw a picture of your hobby/favorite thing to do
Square three: Three goals you have this school year
Square Four: Draw a picture of yourself doing something you did this summer, write what it is under it Plus your name here
Turn this in to the basket
Play "Net Worth" Game: Stay out of debt!
(2)Daily Objective January 30/31
QOD
Scavenger Hunt - go around room and find things as well as your seat!
Group Box of FOUR
Each person in group has a seat number 1-4
Talk to your group, each person gets three minutes to tell the group about themselves. Take notes on each person in your group (at least five things about each person) # your box for the number of the person you met.
Box four you need to draw a self portrait!!!
Go around and practice each persons name in your group!
#1's move one table
#2's move two tables
#3's move three tables
#4 stays put
Turn your paper over and repeat with the four people in your new group.
Box 4 you need to draw a picture of your favorite animal! Write it underneath.
Go around and practice saying everyone's name in your group.
If 100 people lived on earth
Voices of debt – 11 minutes
top paying jobs – 2 minutes
side jobs – 2 minutes
Paper Out:
Name at the top
Write three skills you have that could lead to a side hustle
Write down Mrs. Suttich card info and respond
Play card game with Mrs Suttich (growing happy)
(3) Daily Objectives February 3/4
QOD
PF money Questions
Personal Finance Pre Test
Go to Socrative and put in room code: 955933, Take Test
Welcome to Personal Finance Class. Everyone needs a binder for class. This will help you stay organized, be prepared, help study for tests and generally be a SUCCESS in this subject! You will also need to turn in a signed syllabus so be sure you go over the syllabus with your parents and return it to class with their signature.
Hand out and go over syllabus.
DUE NEXT CLASS: One inch binder and a signed syllabus
I am really looking forward to working with everyone this year. Personal Finance is a passion for me and I love teaching all ages ways to be financially literate, consumer savvy and how to become big savers prepared for their (early) retirement!
Next class you need:
signed syllabus
Need a one inch binder for class plus a signed syllabus
Name Game: get in a circle by order of your first name alphabetically
Introduce yourself and say one fun fact about you
Everyone needs to repeat it!
Go around the circle and say everyones name again!
Now get in order in the circle by your birthday
Go around and say your name with a same letter adjective (Fun Fred)
Everyone repeats their adjective and name and birthdate
Go around the circle and say everyones name with adjective!
syllabus
Log into google classroom and join my class
Block 1A: sirdr4e
Block 3A: g2hyciq
Block 4A: xtjfsgr
Block 5B: pcn7sg7
Now complete the assignment: Why do we spend money? -- homework if not enough time!
Game-Can you make it as an uber driver?
(4) Daily Objectives February 5/6
QOD
*Understand how important goals are to your financial future
Fin Friday - get out your chrome book and log into Kahoots
Top 3 win prizes-use your name to win!
Cell phone changing us
Addiction
Phones in caddy if I see them out!
Notice poster: what to do if you finish early in class : )
Turn in your syllabus today
Check off your binder today
Pets cost what?!?!?
Make a list of 10 personal financial goals and research how much each will cost you-turn this into the basket
Game-Can you make it as an uber driver?
(5) Daily Objectives February 7/10
Understand Debt vs Assets and how to build your net worth
QOD
morning brew link - sign up here
share one item you looked up for a financial goal
No Paycheck -
Net Worth
Play Life-get out of debt!
(6) Daily Objectives January 11/12
*Identify strategies to use for finding a job during high school
*Explain the different categories of work-full vs part-time and paid vs unpaid
*Successfully complete a job application
QOD (feb)
QOD
Salaries
www.16personalities.com/
Take this personality quiz
Fill in worksheet on the different types of personalities
worksheet
Put a sticker on board for who YOU are!
Turn in worksheet to the basket
Go to google classroom and open the student packet for Your First Job
Fill in worksheet as you work through the packet
Then fill out a job application in google classroom.
Turn in two things: Your First Job packet and your Job Application
(7) Daily Objectives February 13/18
*Explain the elements of a successful Linkedin Profile and create one of your own
*Craft an elevator pitch that presents your key skills succinctly
*Determine productive strategies to use in an informational interview
QOD
linkedin.com -go to this website and look around
Side Hustle
How to ease Interview nerves
Great Job Finding Sites Ted Talk: Find a job you LOVE! -worksheet at the front of the room
Go to google classroom and open the student packet for Linkedin
Go to google classroom and answer 10 common Interview questions
(8) Daily Objectives February 19/20
*Prepare themselves physically and mentally for a job interview
*Identify characteristics of an effective interview strategy
*Execute appropriate follow-up after an interview
QOD
Who is working in America
PF Knowledge
Not a great interview
good interview
spending money
Interviews today! Pairs working on handshakes, your elevator pitch and answering questions : )
(9) Daily Objectives February 21/24
QOD
Questions to ask at the end of an interview
Hard and Soft Skills
Top 10 jobs
paycheck/paystub
1. Write 7 concepts you now know about interviews and then write three questions you might ask at the end of an interview
2. "Ten Good Money Habits" - Take notes on the tips given (do not just write down each tip, explain what that tip means/what you need to do!)
Turn in notes on interview concepts, 3 questions and 10 good money habits notes to the basket.
learn how to read your first Pay Stub-Go to Google Classroom and fill out the form on reading a pay stub!
PF Video 7. on your own if time
(10) Daily Objectives February 26/27
Explore Career Options and Identify sources of personal income
QOD
Shifting Income
Jobs Information
Career Research Project-Make up a Results page
Go to The Tigard High website, click on Students and find Clever
Then click on Naviance and log in using your entire email address
GO to "About Me" and scroll down to "My Assessments"
Take the survey "Careers Cluster Finder" It should come up with a list of careers you match up to.
Write down 10 that you are interested in from this list.
Next, go back to home and take the "Career Key" survey,
also write down 10 careers from this list that interest you.
GO back to home, and Lastly take the "Career Interest Profilier" survey
write down 10 careers that interest you
IF, you have already done this on Naviance go take these three surveys for results
Interest profilier: https://www.mynextmove.org/explore/ip
Write down 10 careers that interest you from your results
career aptitude: www.whatcareerisrightforme.com/career-aptitude-test.php
Write down 10 careers that interest you from your results
cluster survey: https://careerwise.minnstate.edu/careers/clusterSurvey
Write down 10 careers that interest you from your results
GO back to your results in Naviance and write down 10 careers that match (you should have three list of 10 careers)
Pick a career you are interested in and go to Naviance and research it under the careers tab.
Fill in the career research worksheet, staple your survey list to it and then turn it into the basket. You will have time next class to finish this worksheet.
Career research worksheet
(11) Daily Objectives February 28/2nd
*explore career options and identify sources of personal income
QOD
Fin Friday
pay stub
Finish your career research worksheet - staple your career interest results sheet to this and turn into the basket.
Make a career poster using the information from your worksheet
(see example)
Name of career
Salary range
Description of career
Skills needed
Holland Code
Degree needed
Visit the website www.finaid.org and sign up for Fastweb.
Click Fastweb Scholarship Search and register, start looking for matches
Go to Naviance and check out scholarships: find one to apply to
Check out this website for college information, lots of good stuff!
Stagesoflife
(12) Daily Objectives March 3/4
*Understand Checking and Savings account information, fees, mobile banking
Share my career poster: order by salary around the room
Job Unit Review - Take notes of these tips
Job Unit Socrative test - see Mrs Suttich before or after school to make this up
QOD
overdraft fees by bank
Fill out this worksheet while watching the videos and powerpoints.
Banking Worksheet
(13) Daily Objectives March 5/6
*Understand the banking industry and the difference between a bank and a credit union
QOD
watch Spent
After watching reflect and answer these questions:
1. What was your overall reaction to the film?
2. Which characters’ stories did you think were the most meaningful and why?
3. Do you think the situations of the people in this film could have been avoided had they been educated more about personal finance?
Write your answers in complete and thoughtful sentences on the back of your SPENT worksheet.
Play playspent.org - Fill in worksheet as you play
(14) Daily Objectives March 9/10
*Understand the banking industry and the difference between a bank and a credit union
We have a guest speaker today on "Banking". THIS MAKE-UP ASSIGNMENT IS DUE BY October 17th.
In order to make up guest speaker points you will need to do a research report on "Banking"
Type up a two-page, double-spaced, size 12 Times New Roman font, report on Banking. Include the following in your report as well as a work cited page for the websites you used to research this information. Be sure to answer all questions! This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
(15) Daily Objectives March 11/12
*Become familiar with the IRS and taxes as well as understand FAFSA
Daily Work tab-Write the concepts learned from banking guest speaker
QOD
Fin Cap on Banking
Sign up to follow current events
I will take notes on FAFSA video
What is FAFSA
fafsa video - watch step one then hit the back arrow to watch step 2 - 7.
Fafsa Dealines!
Analyze: How we interact with banks - Read each links article and then answer the questions related to each one. Turn into the basket when done.
(16) Daily Objectives March 13/16
*Understand different job benefits as well as a W-4 form and 1040 EZ form
QOD
Fin Cap Taxes
Where do your taxes go?
How tax brackets work
Go to google classroom and fill in the worksheet on Teens and Taxes!
Use your time wisely!
(17) Daily Objectives March 17/18
*Understand different job benefits as well as a W-4 form
TAXES........W-4 ........
*Fill out the W-4 together
*Fill out a 1040 tax form
QOD
National Debt clock
tax video
W-4 video
W-2 video
IRS Tax page - go to page 67 to find your info for you 1040
W-4
Go to Google classroom and open up the "Filling out a 1040". Work with your table to fill out the three 1040's on Edgar, Angela and Marcus, We will do Melinda together first!
TODAY: Turn in your 1040 packet stapled to your W-4
If you did not finish teens and taxes last class go to google classroom worksheet and complete it today-turn it in!
(18) Daily Objectives March 19/20
QOD
Socrative Taxes Quiz - study your notes from class
(you will need to come see me to do this if you are absent today)
Chipotle
Girls scholarships
Play payback, fill in worksheet,
*Understanding Credit and how it affects your future
Scholarship site
Overdraft
Daily Work tab-Write the concepts learned from last class
Love and credit scores
Credit/Loans
How to build credit
Go to Google classroom and open up "Types of credit Student Packet"
Work though each section learning about credit and loans and interest!
Due by October 30th
We will work on this next class 10/28, also! But I would get a head start: You have Friday off to get started.
(19) Daily Objectives March 31/April 1st
*Understand how credit cards work and reading the fine print!
QOD
Daily Work tab-Write the concepts learned from last class
Credit Card - best video ever!
Car video
Teen Info
How to choose a card?
What makes a credit score - Fill in worksheet as you watch
Fill in Credit score pie chart worksheet with percentages and definitions on what goes into a credit score
Go to google classroom and Finish Types of Credit Student Packet
(20) Daily Objectives April 2/3
QOD
Fin Cap
Make an account from Everfi.com (write down your user name and password!)
Use the correct Class id
1A f78a2ea5
3A 2e51c207
4A 94c2aead
Add (top right button) Everfi Classic, (NOT Everfi NEW)
Select class #4 Credit
Go through this lesson, watching videos and answering questions, you must score at least a 70% to get credit for this! (so pay attention!)
Everfi Scholarships!
EXTRA CREDIT!!! TAKE ALL THE CLASSES ON EVERFI AND GET THEIR PERSONAL FINANCE CREDENTIAL!!! (40 points) PLUS, GET ON THE PERSONAL FINANCE WALL OF FAME! Due by November 15th
This credential is a great personal finance knowledge booster. Put it on your resume! Remember only 17% of high school graduates have financial knowledge! Show your stuff!
Play Credit Clash
(21) Daily Objectives April 6/7
*Evaluate the difference between needs and wants
EXTRA CREDIT!!! TAKE ALL THE CLASSES ON EVERFI AND GET THEIR PERSONAL FINANCE CREDENTIAL!!! (40 points) PLUS, GET ON THE PERSONAL FINANCE WALL OF FAME!
I will watch needs/wants videos and take notes
QOD
Needs/Wants
3 Financial Tips
Everyday savings
Road to riches
Make a T-chart of needs and wants on the back of your video notes
Needs and Wants
Use this sheet and put each word into either your Needs or Wants column
I will make a poster (8 1/2 x 11 for the front of your personal finance folder) of the Personal Finance 3 R’s and Mantra-this goes on the cover of your personal finance notebook
3 R's and Mantra
persuasion video
(22) Daily Objectives April 8/9 End of Quarter
Guest Speaker on Credit
If you miss this guest speaker and want to make up these points you need to:
Type up a two-page, double spaced report on credit. Makeup due April 9
This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
(23) Daily Objectives April 13/14
Take the credit unit Socrative test
*understanding the consequences of student loans
QOD
EXTRA CREDIT!!! TAKE ALL THE CLASSES ON EVERFI AND GET THEIR PERSONAL FINANCE CREDENTIAL!!! (40 points) PLUS, GET ON THE PERSONAL FINANCE WALL OF FAME!
Watch Documentary: Broke, Busted and Disgusted
Reflection
Missed class??????? Watch these videos and follow directions below.
Janitor - janitor makes millions
Oregon promise student makes it to Stanford
Lebron asks for advice
Supermarket
Investing
https://investor.gov/tools/calculators/compound-interest-calculator
TO MAKE UP THIS ASSIGNMENT READ THE ARTICLES ABOVE AND WRITE UP A PARAGRAPH ON EACH ONE OF WHAT IT WAS ABOUT AND WHAT YOU LEARNED. THEN, WRITE A PARAGRAPH ON WHAT COMPOUND INTEREST IS AND HOW IT FITS INTO RETIREMENT PLANS. USE THIS COMPOUND INTEREST CALCULATOR AND SEE HOW MUCH MONEY YOU WOULD MAKE IF YOU PUT 200 AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS AND 5OO AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS. (Your current principal is a $1000 initial investment.)
(24) Daily Objectives April 15/16
Sign up and make an account for this simulation. Be sure you select the correct class!
Simulation 1A
Simulation 3A
Simulation 4A
*Compare the cost of living state to state
QOD
Pocket Points
Debt in America
EXTRA CREDIT: Take all of the Everfi classes, get 40 points!!!
Plus get financially educated!
Plus get a personal finance certificate!
Plus put this on your resume!
Plus get on our Personal Finance Hall of Fame!!!
Extra Credit assignment due by November 15th
priciest places to live
cost to live
minimum wage
I can complete my state worksheet with my partner: Sign up for a state to research
You will fill out the 10 items on back on your own
Worksheet
autotrader.com - used cars
www.nerdwallet.com - phone plans
www.insure.com - car insurance by state
car insurance quotes
(25) Daily Objectives April 17/18
Turn in your state research
Add information to the class posters
QOD
fin cap friday
https://www.sonycrackle.com/watch/5757
After watching this video please answer the following questions. Turn into the basket.
1. What was Obi's biggest problem as a young person on his own for the first time?
2. What was he doing wrong with his budget?
3. What was the plan the people working with Obi had for him?
4. What changes did Obi make and do you think he will get out of debt? Why or Why not?
(26) Daily Objectives April 21/22
*Learn basic budgeting formulas and tips
Guest Speaker from Financial Beginnings on Budgeting
if you miss this guest speaker and want to make up the points you need to:
Budgeting Video
watch this video and take notes on what is mentioned, then write a reflection on what you learned and will most take from this presentation on budgeting.
Makeup notes due by November 21st
(27) Daily Objectives November 21
Be the CEO of your own life!
Mint.com
Standard: Develop a plan for spending and saving: BUDGET!
QOD
America Budgets
Budget song
Daily Work tab-Write the concepts learned from last class
Jack and budget stock
How To Budget
Monthly Budget Assignment
*I can take notes on a personal budget and % for each section
Working Budget with percentages-Use $10.75 hourly wage if you were not in class
Multiply your net pay by the low percentage and the high percentage in each category to figure out your range for each category
*I can find an apartment with information written down (address, bedrooms, baths, rent)
Apartment sites to check:
I can budget for one month with explanations for each amount
*Parent signature if you are planning to live at home!
Budget Worksheet for Hourly wage - Use this for your hourly wage
Budget Worksheet for salary - use this for your salary, use the same percentages as your hourly budget
(28) Daily Objectives December 2nd
You must be registered and logged into stukent TODAY!
Simulation starts today!
Stukent Student Guide-You get paid every Monday and pay bills every Friday.
PP of directions
*Develop a plan for spending and saving
QOD
Young adults article
Finish filling out your budget for your hourly wage, all numbers need a % of salary as well as a REASON, then find a starting salary for a career you are interested in and make a budget for that amount: Find the net pay and then use similar %'s from your hourly budget for this budget.
When finished with filling out your budget worksheet, both sides, staple your class notes with apartment info, phone info and bus pass info, to it and turn it in to the basket
(If you needed parent signatures they should be on your class notes and stapled to your worksheet)
Budget Worksheet for Hourly wage - Use this for your hourly wage ($11.25 if you were not in class for this assignment)
Budget Worksheet for salary - use this for your salary, use the same percentages as your hourly budget
(29) Daily Objectives December 4th
15 minutes to wrap up your budget. Staple your worksheet to it and put it in the basket. You should have both side done, with numbers, %'s and reasons written! Remember your TOTAL should equal your NET PAY! Check your numbers with a neighbor!
*Understand Savings and It's Importance in your financial future
QOD
50/20/30 Rule
Digit app
FIRE
Current Jobs
Write down the 5 tips about saving
Savings Tips
PYF Video
The simple fact is that WE ALL need to save. After watching this video write down what Pay Yourself First means to you and how you will do it!
Direct Deposit
Write down three things you learned about Direct Deposit.
Savings Videos:
#1
#2
#3
PROJECT: Work with a partner and you need to make up a flyer/poster for High School Students on the importance of Saving. Your campaign should be targeted to high school students who have not taken this class and do not know about saving and why it is so important! What would you tell them? Why is saving important? How does saving affect their future? Where does saving fit into their financial goals? How can they save more? Tips? Ways to save? Come up with a creative, original, fun Slogan! It's up to you. BEST poster wins a prize!
You can use either a poster board or colored paper.
Due at the end of class on December 6th
(30) Daily Objectives December 6th
Check into stukent and PAY YOUR BILLS!!!
Work on your poster or Flyer for Savings Campaign.
QOD
7 tips for saving
saving/investing
Emergency Fund
young adult ideas
*Slogan
*bullet tips to go along with it
*graphics
*looks good
Best one wins!
Scholarship Site! Go here to make money for college!
Presentations last 1/2 of class.
(31) Daily Objectives December 10th
Share your SAVINGS poster
* Understand the difference between a Roth and Traditional IRA
QOD
Oregon tradeswomen
Homework: Roth Article for parents to read and sign, due next class.
I will take notes on Roth, healthcare and every video and article!
Label each section please.
Roth vs Traditional IRA - T chart
health care HSA-your job may offer this
yearup website - play video
Real Money experiment Ted Talk-feel the money
we dine together-be nice to people!
On your own:
Stress and money- read this
Friends and Finance- don't be like your friends who know nothing about finance!
start retirement in your 20's- take notes on his tips
Retirement Goals
Put notes in the basket.
Vote for Dance ideas:
https://forms.gle/iJbWZbHymXvDsRVp9
Play financial football on the computers
Play Insure
(32) Daily Objectives December 12th
*Understanding investing and how it relates to retirement
Turn in your ROTH IRA article w parent signature
investing speaker
If you miss this guest speaker and want to make up the points you will need to:
Type up a two-page, double-spaced report on investing. DUE ON December 1st. Be sure to answer all questions!
This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
This two page assignment is due on December 20th.
(33) Daily Objectives December 16th
QOD-Investing data crunch as a table
Investing Project
Watch Video: Broke. Busted and Disgusted
Worksheet for the video
STAX - play to get ready to beat the principal!
When done writing reflection and playing STAX grab a partner and a computer and go to Financial Football and play.
Score a touchdown you get a piece of candy! Show me your score!
(34)Daily Objective December 18
Rewind:Remind Day
Review all concepts in class so far
Kahoots on giving
Video on careers of the future
Quizlet for Wise Test
Credit score activity-NGPF
retire early
PERSONAL FINANCE TOP 10 HABITS TO BE FINANCIALLY RESPONSIBLE
Football Player Saving - Read and then answer the following questions and turn in to Mrs Suttich
1. Joejuan was a saver, how do you know this? What did he do to show this? Be specific!
2. How did his mother's money habits influence his decisions with money?
3. What did he learn from his personal finance class in high school?
4. How does Joejuan use his credit card?
5. What do you take from reading this article?
Play Financial Football with a partner
Play STAX
(35)Daily Objective December 20th
Play Stax against principal!
Play Shady Sam and be a loan shark
Credit Clash - What's your credit score?
Investing Quizlet
(36) Daily Objective January 7th
QOD
Daily Work tab-Write the concepts learned from last class on Insurance
Higher deductible = Lower premium
#1 retirement advise
Save $100,000 by 30
Compound Interest
Investing: Evaluate an Index Fund
5 Tips - ( Worksheet)- WATCH the video 5 Tips and fill out the tips on this worksheet as you watch. After you evaluate the six funds on the next worksheet rank the 6 funds on this worksheet by order of how you would invest. #1 fund to invest in down to #6 fund you would not invest in.
Evaluate a Mutual Fund - (worksheet) - WATCH the video "Evaluate a Mutual Fund" and fill out the fund evaluation spreadsheet as you watch the video
Then evaluate and fill out the spreadsheet worksheet on the following 6 funds. (The first 2 funds are done for you in the video)
Evaluate these 6 funds on the spreadsheet, then rank them on #1 best to invest in through #6 you would not invest in this fund.
RSNRX
POAGX
SWPPX
VBMFX
PFGTX
Work with a partner to evaluate six mutual funds.
(37)Daily Objective January 9th
standard: Identify common types of risks and basic risk management methods
QOD
Life Happens-simulation
Index funds
REVIEW: 10 habits and PF sayings
Renters Insurance
Car Insurance
risk
Fill out the Insurance Worksheet following the directions on it.
Go to this website
Put into the basket when done.
Play financial football if done early
Play Countdown to retirement
Last day to turn in late work is Friday January 17th
(38)Daily Objective January 13
*Understand the need for insurance in your lifetime
Guest Speaker on Insurance
If you miss this guest speaker and want to make up the points you will need to:
Type up a two-page, double-spaced report on insurance. Be sure to answer all questions!
This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
This two page assignment is due January 17th.
(39)Daily Objective January 15th
*Understand how to budget for a trip
*Prepare for and participate effectively in collaborations with diverse partners
QOD
Interactive for renters insurance
retirement out of reach
good paying jobs w/o a bachelors degree
Insurance Game-Timed-winning class gets candy!
Budgeting Assignment: groups of 3-4
Spring Break Trip - Go to google classroom to see this assignment and to turn your slideshow in as well as your budget. Be sure all team members names on are everything!
(40)Daily Objective January 17th
LAST DAY TO TURN IN ANY LATE WORK FOR THE SEMESTER!
QOD
Thank you notes to guest speakers (Ken, Earl, Mel)
QOD
Retirement
End of year class survey
Go over personal finance top ten habits -should be in your folder
Play Kahoots for Final Review
Continue with Spring Break Trip
Share with Mrs Suttich your results: Budget and Presentation on google classroom
Be sure all names from the group are on this project
Be sure you have great graphics
Be sure you really "sell" the trip: Fun, Budget friendly, a good value
Be sure you have specifics on food: Cost per meal and where you are going
Due at the end of the period
(41) Daily Objective January 22nd Finals 3rd and 4th block
first block: Thank you note to Ken
QOD
Four family budgets
Kahoots on google classroom for studying
Shady Sam-learn about loans and the dangers of interest rate
Become a Millionaire (know credit scores?)
Play Interest game
Play the lottery
January 24th Finals 1st
Remember your 10 Financial Habits!!
Sign up for Wealth Management to learn more about finances!
Keep your folder for reference!
Go forth and make good financial decisions in your life!
*Budgeting Case Study
work with a partner on this google classroom project
You will be adding a spreadsheet to turn in with this assignment
(2 total things to turn in)
See "Savings Case Study" in google classroom
Quizlets to study for final-these are on google classroom for you
QOD
QOD
1. Budgeting Case Study
Work with a partner on google classroom to help Alana out with her budgeting!
2. Read 11 tips article, take notes and then write one paragraph on how you will use this information in your own life!
On google classroom
Turn the Budgeting Case Study into Google classroom, Turn the 11 Tips notes into my basket.
Play STAX to practice your investing skills
Play "Can you make it as an Uber driver"
QOD
living small
your 20's
What is wealth?
Your Money, Your Future - Click on the Your Money, Your Future link
Find Your Money, Your Future button and click on it
Go to the bottom of the page and click on each button (Earn, Save, Budget, etc.) Read each section, take notes on your worksheet, then take the quiz at the end to test your financial knowledge!
Your Money, Your Future worksheet
If done early:
How to buy a used car
Car Loans: Go to Google Classroom and Do the Student Activity Pack 3.5
Then do the Compare: Auto Loans
Then do Compare: Select the correct auto loan
Turn all three in to Google Classroom
Due January 24th
(42)Daily Objective January 24-Today it the last day to turn in late work
QOD
Finish Car Loan Project if necessary-THREE things to turn into google classroom
Play uber game
Play STAX investing game and try to beat your score from last week!
(43) Daily Objective January 28
QOD
401K
student loan debt
Jeopardy review
Study:review your vocabulary chapter sheets, play financial football, play payback, study for another final.
(44) Daily Objective January 30
Finals Blocks One, three and four
End of first semester! Go out and be Financially responsible : )
Wise Pre Test - Open Wise Browser
Group Work: Read your assigned family and write up about them to share with the class.
Candy Game
Answer the questions from the last slide. Turn in to the basket.
(44)Daily Objective January 31
Car Project
(45)Daily Objective February 2
End of Semester
Finals for Block One and Two
*Learn/Review personal finance concepts: goals, saving, investing
QOD
Watch movie: Standard Deviants Personal Finance Video
Take notes on each concept
Turn in at the end of the period
Janitor - janitor makes millions
Oregon promise student makes it to Stanford
Lebron asks for advice
https://investor.gov/tools/calculators/compound-interest-calculator
TO MAKE UP THIS ASSIGNMENT READ THE ARTICLES ABOVE AND WRITE UP A PARAGRAPH ON EACH ONE OF WHAT IT WAS ABOUT AND WHAT YOU LEARNED. THEN, WRITE A PARAGRAPH ON WHAT COMPOUND INTEREST IS AND HOW IT FITS INTO RETIREMENT PLANS. USE THIS COMPOUND INTEREST CALCULATOR AND SEE HOW MUCH MONEY YOU WOULD MAKE IF YOU PUT 200 AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS AND 5OO AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS. (Your current principal is a $1000 initial investment.)
snow day lost - February 21
*understand how salary affects your lifestyle options
QOD
Play kahoots on Banking
Watch Documentary "Spent: Looking for change"
Questions:
1.What are some of the disadvantages of being locked out of, or choosing not to belong to, the traditional banking system?
2. Understanding why so many Americans turn to predatory lenders when they’re in financial trouble, what do the two families profiled have in common?
3. How did this video open your eyes to people living paycheck to paycheck?
Play spent and see if you can reach the goal of living for one month and having savings of $1000.
(19) Daily Objectives April 9
*Learn personal finance vocabulary in regards to Inflation, the Value of Money, and saving!
QOD
Take the credit unit Socrative test
my car
magic money
Money talks
student loan debt
I will take notes on the videos as well as on Chapter three PowerPoint Vocabulary
Chapter 3 PowerPoint
my car
magic money
Money talks
student loan debt
Watch Inflation video: Too Much Money
Type up a two-page, double-spaced, size 12 Times New Roman font, report on Budgeting.
DUE ON April 26th.
*This is NOT a copy and paste assignment. It must be written in your own words from your research*
*Understanding the consequences of texting and driving on insurance rates as well as its affect on your life!
QOD
Texting Video
Reflection:
What are the consequences of driving and texting.
How might the lives of those in the video be different today if they had not been texting while driving?
Which story had the most impact on you and why?
What kind of pledge are you willing to take today in regards to your own driving?
Financial Football with a partner
MAKEUP FOR THIS ASSIGNMENT: Research YEBW and write up a report on the following:
What is YEBW?
What are the five camps you can attend?
Where and when are their camps?
How much does it cost to attend?
What sponsors are involved with this program?
What businesses are involved in YEBW?
What types of things do you do on your week on a college campus?
What could you learn by attending YEBW?
Take notes on the video in class for beginning vocabulary!
Video - your money your life
This makeup report is due on April 16.
Jeopardy review
Fin Friday
Daily Work tab-Write the concepts learned from last class-college you looked up
Skills Needed for college
U of O admission rates
OSU admission rates
How to find and do work you love! (17)
Job Shadows (9.30)
Pick up four forms in the back of the room
I will fill in all forms, staple together and put in the basket.
(Definitions do on own, rest as a class.)
Forms
W-4
1040EZ
Math Work
Filling out the W-4 and 1040EZ
IRS Tax Tables
Sample W-2
Career Video
google IT program
*Understand Inflation and what it does to the value of money
QOD
What every HS school student needs to know!
FICO score simulator
Daily Work tab-Write the concepts learned from last class
Why we crave what's cool
How to lose 20 million
I will take notes on the videos as well as on Chapter three PowerPoint Vocabulary
Chapter 3 PowerPoint
I can read Chapter three and fill in worksheet-put in basket
Chapter 3 Worksheet
Study your vocab from this chapter, there is a test next class on it!
*Understand savings and how people around the world spend money
QOD
Fin Friday
Write a letter of appreciation to a teacher
5 steps to financial freedom
Don't buy a new car!
Pain of Money%
Play Pay Day Game - groups of 4
Read rules!
Turn in reflection
What did you learn from the game?
Did you take loans? Make Deals? What for? Why not?
What happened to you and how did it make you feel?
PERSONAL FINANCE TOP 10 HABITS TO BE FINANCIALLY RESPONSIBLE - MAKE THESE HABITS PART OF YOUR LIFE!
(1) Daily Objectives January 28/29
Welcome!
Scavenger Hunt
Article Questions:
1. What do you think it means to be frugal?
2. What do you think you need to do in order to get rich?
3. Why is money saved now worth more than money saved in the future?
4. What does the saying " a penny saved is more than a penny earned" mean?
When done put this article and answers in the turn in basket.
3 x 5 cards
Group Work: PF info Question/Answer
Why Personal Finance video 11.28
Who am I? Fill in and turn in today
Square one: Five of your favorite things to eat
Square two: draw a picture of your hobby/favorite thing to do
Square three: Three goals you have this school year
Square Four: Draw a picture of yourself doing something you did this summer, write what it is under it Plus your name here
Turn this in to the basket
Play "Net Worth" Game: Stay out of debt!
(2)Daily Objective January 30/31
QOD
Scavenger Hunt - go around room and find things as well as your seat!
Group Box of FOUR
Each person in group has a seat number 1-4
Talk to your group, each person gets three minutes to tell the group about themselves. Take notes on each person in your group (at least five things about each person) # your box for the number of the person you met.
Box four you need to draw a self portrait!!!
Go around and practice each persons name in your group!
#1's move one table
#2's move two tables
#3's move three tables
#4 stays put
Turn your paper over and repeat with the four people in your new group.
Box 4 you need to draw a picture of your favorite animal! Write it underneath.
Go around and practice saying everyone's name in your group.
If 100 people lived on earth
Voices of debt – 11 minutes
top paying jobs – 2 minutes
side jobs – 2 minutes
Paper Out:
Name at the top
Write three skills you have that could lead to a side hustle
Write down Mrs. Suttich card info and respond
Play card game with Mrs Suttich (growing happy)
(3) Daily Objectives February 3/4
QOD
PF money Questions
Personal Finance Pre Test
Go to Socrative and put in room code: 955933, Take Test
Welcome to Personal Finance Class. Everyone needs a binder for class. This will help you stay organized, be prepared, help study for tests and generally be a SUCCESS in this subject! You will also need to turn in a signed syllabus so be sure you go over the syllabus with your parents and return it to class with their signature.
Hand out and go over syllabus.
DUE NEXT CLASS: One inch binder and a signed syllabus
I am really looking forward to working with everyone this year. Personal Finance is a passion for me and I love teaching all ages ways to be financially literate, consumer savvy and how to become big savers prepared for their (early) retirement!
Next class you need:
signed syllabus
Need a one inch binder for class plus a signed syllabus
Name Game: get in a circle by order of your first name alphabetically
Introduce yourself and say one fun fact about you
Everyone needs to repeat it!
Go around the circle and say everyones name again!
Now get in order in the circle by your birthday
Go around and say your name with a same letter adjective (Fun Fred)
Everyone repeats their adjective and name and birthdate
Go around the circle and say everyones name with adjective!
syllabus
Log into google classroom and join my class
Block 1A: sirdr4e
Block 3A: g2hyciq
Block 4A: xtjfsgr
Block 5B: pcn7sg7
Now complete the assignment: Why do we spend money? -- homework if not enough time!
Game-Can you make it as an uber driver?
(4) Daily Objectives February 5/6
QOD
*Understand how important goals are to your financial future
Fin Friday - get out your chrome book and log into Kahoots
Top 3 win prizes-use your name to win!
Cell phone changing us
Addiction
Phones in caddy if I see them out!
Notice poster: what to do if you finish early in class : )
Turn in your syllabus today
Check off your binder today
Pets cost what?!?!?
Make a list of 10 personal financial goals and research how much each will cost you-turn this into the basket
Game-Can you make it as an uber driver?
(5) Daily Objectives February 7/10
Understand Debt vs Assets and how to build your net worth
QOD
morning brew link - sign up here
share one item you looked up for a financial goal
No Paycheck -
Net Worth
Play Life-get out of debt!
(6) Daily Objectives January 11/12
*Identify strategies to use for finding a job during high school
*Explain the different categories of work-full vs part-time and paid vs unpaid
*Successfully complete a job application
QOD (feb)
QOD
Salaries
www.16personalities.com/
Take this personality quiz
Fill in worksheet on the different types of personalities
worksheet
Put a sticker on board for who YOU are!
Turn in worksheet to the basket
Go to google classroom and open the student packet for Your First Job
Fill in worksheet as you work through the packet
Then fill out a job application in google classroom.
Turn in two things: Your First Job packet and your Job Application
(7) Daily Objectives February 13/18
*Explain the elements of a successful Linkedin Profile and create one of your own
*Craft an elevator pitch that presents your key skills succinctly
*Determine productive strategies to use in an informational interview
QOD
linkedin.com -go to this website and look around
Side Hustle
How to ease Interview nerves
Great Job Finding Sites Ted Talk: Find a job you LOVE! -worksheet at the front of the room
Go to google classroom and open the student packet for Linkedin
Go to google classroom and answer 10 common Interview questions
(8) Daily Objectives February 19/20
*Prepare themselves physically and mentally for a job interview
*Identify characteristics of an effective interview strategy
*Execute appropriate follow-up after an interview
QOD
Who is working in America
PF Knowledge
Not a great interview
good interview
spending money
Interviews today! Pairs working on handshakes, your elevator pitch and answering questions : )
(9) Daily Objectives February 21/24
QOD
Questions to ask at the end of an interview
Hard and Soft Skills
Top 10 jobs
paycheck/paystub
1. Write 7 concepts you now know about interviews and then write three questions you might ask at the end of an interview
2. "Ten Good Money Habits" - Take notes on the tips given (do not just write down each tip, explain what that tip means/what you need to do!)
Turn in notes on interview concepts, 3 questions and 10 good money habits notes to the basket.
learn how to read your first Pay Stub-Go to Google Classroom and fill out the form on reading a pay stub!
PF Video 7. on your own if time
(10) Daily Objectives February 26/27
Explore Career Options and Identify sources of personal income
QOD
Shifting Income
Jobs Information
Career Research Project-Make up a Results page
Go to The Tigard High website, click on Students and find Clever
Then click on Naviance and log in using your entire email address
GO to "About Me" and scroll down to "My Assessments"
Take the survey "Careers Cluster Finder" It should come up with a list of careers you match up to.
Write down 10 that you are interested in from this list.
Next, go back to home and take the "Career Key" survey,
also write down 10 careers from this list that interest you.
GO back to home, and Lastly take the "Career Interest Profilier" survey
write down 10 careers that interest you
IF, you have already done this on Naviance go take these three surveys for results
Interest profilier: https://www.mynextmove.org/explore/ip
Write down 10 careers that interest you from your results
career aptitude: www.whatcareerisrightforme.com/career-aptitude-test.php
Write down 10 careers that interest you from your results
cluster survey: https://careerwise.minnstate.edu/careers/clusterSurvey
Write down 10 careers that interest you from your results
GO back to your results in Naviance and write down 10 careers that match (you should have three list of 10 careers)
Pick a career you are interested in and go to Naviance and research it under the careers tab.
Fill in the career research worksheet, staple your survey list to it and then turn it into the basket. You will have time next class to finish this worksheet.
Career research worksheet
(11) Daily Objectives February 28/2nd
*explore career options and identify sources of personal income
QOD
Fin Friday
pay stub
Finish your career research worksheet - staple your career interest results sheet to this and turn into the basket.
Make a career poster using the information from your worksheet
(see example)
Name of career
Salary range
Description of career
Skills needed
Holland Code
Degree needed
Visit the website www.finaid.org and sign up for Fastweb.
Click Fastweb Scholarship Search and register, start looking for matches
Go to Naviance and check out scholarships: find one to apply to
Check out this website for college information, lots of good stuff!
Stagesoflife
(12) Daily Objectives March 3/4
*Understand Checking and Savings account information, fees, mobile banking
Share my career poster: order by salary around the room
Job Unit Review - Take notes of these tips
Job Unit Socrative test - see Mrs Suttich before or after school to make this up
QOD
overdraft fees by bank
Fill out this worksheet while watching the videos and powerpoints.
Banking Worksheet
(13) Daily Objectives March 5/6
*Understand the banking industry and the difference between a bank and a credit union
QOD
watch Spent
After watching reflect and answer these questions:
1. What was your overall reaction to the film?
2. Which characters’ stories did you think were the most meaningful and why?
3. Do you think the situations of the people in this film could have been avoided had they been educated more about personal finance?
Write your answers in complete and thoughtful sentences on the back of your SPENT worksheet.
Play playspent.org - Fill in worksheet as you play
(14) Daily Objectives March 9/10
*Understand the banking industry and the difference between a bank and a credit union
We have a guest speaker today on "Banking". THIS MAKE-UP ASSIGNMENT IS DUE BY October 17th.
In order to make up guest speaker points you will need to do a research report on "Banking"
Type up a two-page, double-spaced, size 12 Times New Roman font, report on Banking. Include the following in your report as well as a work cited page for the websites you used to research this information. Be sure to answer all questions! This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
- What is a bank?
- What is a credit union?
- What is a checking account?
- What is a savings account?
- Explain the difference between simple interest and compound interest.
- What is the difference between a credit card and a debit card?
- What will you need in order to open up a bank account?
- Explain a CD (certificate of deposit).
- What is APR? How does it affect loans?
(15) Daily Objectives March 11/12
*Become familiar with the IRS and taxes as well as understand FAFSA
Daily Work tab-Write the concepts learned from banking guest speaker
QOD
Fin Cap on Banking
Sign up to follow current events
I will take notes on FAFSA video
What is FAFSA
fafsa video - watch step one then hit the back arrow to watch step 2 - 7.
Fafsa Dealines!
Analyze: How we interact with banks - Read each links article and then answer the questions related to each one. Turn into the basket when done.
(16) Daily Objectives March 13/16
*Understand different job benefits as well as a W-4 form and 1040 EZ form
QOD
Fin Cap Taxes
Where do your taxes go?
How tax brackets work
Go to google classroom and fill in the worksheet on Teens and Taxes!
Use your time wisely!
(17) Daily Objectives March 17/18
*Understand different job benefits as well as a W-4 form
TAXES........W-4 ........
*Fill out the W-4 together
*Fill out a 1040 tax form
QOD
National Debt clock
tax video
W-4 video
W-2 video
IRS Tax page - go to page 67 to find your info for you 1040
W-4
Go to Google classroom and open up the "Filling out a 1040". Work with your table to fill out the three 1040's on Edgar, Angela and Marcus, We will do Melinda together first!
TODAY: Turn in your 1040 packet stapled to your W-4
If you did not finish teens and taxes last class go to google classroom worksheet and complete it today-turn it in!
(18) Daily Objectives March 19/20
QOD
Socrative Taxes Quiz - study your notes from class
(you will need to come see me to do this if you are absent today)
Chipotle
Girls scholarships
Play payback, fill in worksheet,
*Understanding Credit and how it affects your future
Scholarship site
Overdraft
Daily Work tab-Write the concepts learned from last class
Love and credit scores
Credit/Loans
How to build credit
Go to Google classroom and open up "Types of credit Student Packet"
Work though each section learning about credit and loans and interest!
Due by October 30th
We will work on this next class 10/28, also! But I would get a head start: You have Friday off to get started.
(19) Daily Objectives March 31/April 1st
*Understand how credit cards work and reading the fine print!
QOD
Daily Work tab-Write the concepts learned from last class
Credit Card - best video ever!
Car video
Teen Info
How to choose a card?
What makes a credit score - Fill in worksheet as you watch
Fill in Credit score pie chart worksheet with percentages and definitions on what goes into a credit score
Go to google classroom and Finish Types of Credit Student Packet
(20) Daily Objectives April 2/3
QOD
Fin Cap
Make an account from Everfi.com (write down your user name and password!)
Use the correct Class id
1A f78a2ea5
3A 2e51c207
4A 94c2aead
Add (top right button) Everfi Classic, (NOT Everfi NEW)
Select class #4 Credit
Go through this lesson, watching videos and answering questions, you must score at least a 70% to get credit for this! (so pay attention!)
Everfi Scholarships!
EXTRA CREDIT!!! TAKE ALL THE CLASSES ON EVERFI AND GET THEIR PERSONAL FINANCE CREDENTIAL!!! (40 points) PLUS, GET ON THE PERSONAL FINANCE WALL OF FAME! Due by November 15th
This credential is a great personal finance knowledge booster. Put it on your resume! Remember only 17% of high school graduates have financial knowledge! Show your stuff!
Play Credit Clash
(21) Daily Objectives April 6/7
*Evaluate the difference between needs and wants
EXTRA CREDIT!!! TAKE ALL THE CLASSES ON EVERFI AND GET THEIR PERSONAL FINANCE CREDENTIAL!!! (40 points) PLUS, GET ON THE PERSONAL FINANCE WALL OF FAME!
I will watch needs/wants videos and take notes
QOD
Needs/Wants
3 Financial Tips
Everyday savings
Road to riches
Make a T-chart of needs and wants on the back of your video notes
Needs and Wants
Use this sheet and put each word into either your Needs or Wants column
I will make a poster (8 1/2 x 11 for the front of your personal finance folder) of the Personal Finance 3 R’s and Mantra-this goes on the cover of your personal finance notebook
3 R's and Mantra
persuasion video
(22) Daily Objectives April 8/9 End of Quarter
Guest Speaker on Credit
If you miss this guest speaker and want to make up these points you need to:
Type up a two-page, double spaced report on credit. Makeup due April 9
- What is a credit card?
- What is an APR?
- What are late fees?
- What is a grace period?
- What is the difference between a secured debt and unsecured debt, give examples.
- What is a FICO score?
- What is the range of a credit score and how do they figure out your score?
- What are the pros and cons to using a credit card?
- How does your credit score affect you and what you can do in the future?
This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
(23) Daily Objectives April 13/14
Take the credit unit Socrative test
*understanding the consequences of student loans
QOD
EXTRA CREDIT!!! TAKE ALL THE CLASSES ON EVERFI AND GET THEIR PERSONAL FINANCE CREDENTIAL!!! (40 points) PLUS, GET ON THE PERSONAL FINANCE WALL OF FAME!
Watch Documentary: Broke, Busted and Disgusted
Reflection
Missed class??????? Watch these videos and follow directions below.
Janitor - janitor makes millions
Oregon promise student makes it to Stanford
Lebron asks for advice
Supermarket
Investing
https://investor.gov/tools/calculators/compound-interest-calculator
TO MAKE UP THIS ASSIGNMENT READ THE ARTICLES ABOVE AND WRITE UP A PARAGRAPH ON EACH ONE OF WHAT IT WAS ABOUT AND WHAT YOU LEARNED. THEN, WRITE A PARAGRAPH ON WHAT COMPOUND INTEREST IS AND HOW IT FITS INTO RETIREMENT PLANS. USE THIS COMPOUND INTEREST CALCULATOR AND SEE HOW MUCH MONEY YOU WOULD MAKE IF YOU PUT 200 AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS AND 5OO AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS. (Your current principal is a $1000 initial investment.)
(24) Daily Objectives April 15/16
Sign up and make an account for this simulation. Be sure you select the correct class!
Simulation 1A
Simulation 3A
Simulation 4A
*Compare the cost of living state to state
QOD
Pocket Points
Debt in America
EXTRA CREDIT: Take all of the Everfi classes, get 40 points!!!
Plus get financially educated!
Plus get a personal finance certificate!
Plus put this on your resume!
Plus get on our Personal Finance Hall of Fame!!!
Extra Credit assignment due by November 15th
priciest places to live
cost to live
minimum wage
I can complete my state worksheet with my partner: Sign up for a state to research
You will fill out the 10 items on back on your own
Worksheet
autotrader.com - used cars
www.nerdwallet.com - phone plans
www.insure.com - car insurance by state
car insurance quotes
(25) Daily Objectives April 17/18
Turn in your state research
Add information to the class posters
QOD
fin cap friday
https://www.sonycrackle.com/watch/5757
After watching this video please answer the following questions. Turn into the basket.
1. What was Obi's biggest problem as a young person on his own for the first time?
2. What was he doing wrong with his budget?
3. What was the plan the people working with Obi had for him?
4. What changes did Obi make and do you think he will get out of debt? Why or Why not?
(26) Daily Objectives April 21/22
*Learn basic budgeting formulas and tips
Guest Speaker from Financial Beginnings on Budgeting
if you miss this guest speaker and want to make up the points you need to:
Budgeting Video
watch this video and take notes on what is mentioned, then write a reflection on what you learned and will most take from this presentation on budgeting.
Makeup notes due by November 21st
(27) Daily Objectives November 21
Be the CEO of your own life!
Mint.com
Standard: Develop a plan for spending and saving: BUDGET!
QOD
America Budgets
Budget song
Daily Work tab-Write the concepts learned from last class
Jack and budget stock
How To Budget
Monthly Budget Assignment
*I can take notes on a personal budget and % for each section
Working Budget with percentages-Use $10.75 hourly wage if you were not in class
Multiply your net pay by the low percentage and the high percentage in each category to figure out your range for each category
*I can find an apartment with information written down (address, bedrooms, baths, rent)
Apartment sites to check:
I can budget for one month with explanations for each amount
*Parent signature if you are planning to live at home!
Budget Worksheet for Hourly wage - Use this for your hourly wage
Budget Worksheet for salary - use this for your salary, use the same percentages as your hourly budget
(28) Daily Objectives December 2nd
You must be registered and logged into stukent TODAY!
Simulation starts today!
Stukent Student Guide-You get paid every Monday and pay bills every Friday.
PP of directions
*Develop a plan for spending and saving
QOD
Young adults article
Finish filling out your budget for your hourly wage, all numbers need a % of salary as well as a REASON, then find a starting salary for a career you are interested in and make a budget for that amount: Find the net pay and then use similar %'s from your hourly budget for this budget.
When finished with filling out your budget worksheet, both sides, staple your class notes with apartment info, phone info and bus pass info, to it and turn it in to the basket
(If you needed parent signatures they should be on your class notes and stapled to your worksheet)
Budget Worksheet for Hourly wage - Use this for your hourly wage ($11.25 if you were not in class for this assignment)
Budget Worksheet for salary - use this for your salary, use the same percentages as your hourly budget
(29) Daily Objectives December 4th
15 minutes to wrap up your budget. Staple your worksheet to it and put it in the basket. You should have both side done, with numbers, %'s and reasons written! Remember your TOTAL should equal your NET PAY! Check your numbers with a neighbor!
*Understand Savings and It's Importance in your financial future
QOD
50/20/30 Rule
Digit app
FIRE
Current Jobs
Write down the 5 tips about saving
Savings Tips
PYF Video
The simple fact is that WE ALL need to save. After watching this video write down what Pay Yourself First means to you and how you will do it!
Direct Deposit
Write down three things you learned about Direct Deposit.
Savings Videos:
#1
#2
#3
PROJECT: Work with a partner and you need to make up a flyer/poster for High School Students on the importance of Saving. Your campaign should be targeted to high school students who have not taken this class and do not know about saving and why it is so important! What would you tell them? Why is saving important? How does saving affect their future? Where does saving fit into their financial goals? How can they save more? Tips? Ways to save? Come up with a creative, original, fun Slogan! It's up to you. BEST poster wins a prize!
You can use either a poster board or colored paper.
Due at the end of class on December 6th
(30) Daily Objectives December 6th
Check into stukent and PAY YOUR BILLS!!!
Work on your poster or Flyer for Savings Campaign.
QOD
7 tips for saving
saving/investing
Emergency Fund
young adult ideas
*Slogan
*bullet tips to go along with it
*graphics
*looks good
Best one wins!
Scholarship Site! Go here to make money for college!
Presentations last 1/2 of class.
(31) Daily Objectives December 10th
Share your SAVINGS poster
* Understand the difference between a Roth and Traditional IRA
QOD
Oregon tradeswomen
Homework: Roth Article for parents to read and sign, due next class.
I will take notes on Roth, healthcare and every video and article!
Label each section please.
Roth vs Traditional IRA - T chart
health care HSA-your job may offer this
yearup website - play video
Real Money experiment Ted Talk-feel the money
we dine together-be nice to people!
On your own:
Stress and money- read this
Friends and Finance- don't be like your friends who know nothing about finance!
start retirement in your 20's- take notes on his tips
Retirement Goals
Put notes in the basket.
Vote for Dance ideas:
https://forms.gle/iJbWZbHymXvDsRVp9
Play financial football on the computers
Play Insure
(32) Daily Objectives December 12th
*Understanding investing and how it relates to retirement
Turn in your ROTH IRA article w parent signature
investing speaker
If you miss this guest speaker and want to make up the points you will need to:
Type up a two-page, double-spaced report on investing. DUE ON December 1st. Be sure to answer all questions!
- What is a bond?
- What is a stock?
- What is a 401k?
- What is a Roth IRA?
- What is the stock market?
- Explain what it means to diversify your portfolio in regards to investing.
- Why should you not use a savings account for your retirement money?
- What is compound interest and why is it so good?
- Why is it so important to start early for saving for retirement?
This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
This two page assignment is due on December 20th.
(33) Daily Objectives December 16th
QOD-Investing data crunch as a table
Investing Project
Watch Video: Broke. Busted and Disgusted
Worksheet for the video
STAX - play to get ready to beat the principal!
When done writing reflection and playing STAX grab a partner and a computer and go to Financial Football and play.
Score a touchdown you get a piece of candy! Show me your score!
(34)Daily Objective December 18
Rewind:Remind Day
Review all concepts in class so far
Kahoots on giving
Video on careers of the future
Quizlet for Wise Test
Credit score activity-NGPF
retire early
PERSONAL FINANCE TOP 10 HABITS TO BE FINANCIALLY RESPONSIBLE
Football Player Saving - Read and then answer the following questions and turn in to Mrs Suttich
1. Joejuan was a saver, how do you know this? What did he do to show this? Be specific!
2. How did his mother's money habits influence his decisions with money?
3. What did he learn from his personal finance class in high school?
4. How does Joejuan use his credit card?
5. What do you take from reading this article?
Play Financial Football with a partner
Play STAX
(35)Daily Objective December 20th
Play Stax against principal!
Play Shady Sam and be a loan shark
Credit Clash - What's your credit score?
Investing Quizlet
(36) Daily Objective January 7th
QOD
Daily Work tab-Write the concepts learned from last class on Insurance
Higher deductible = Lower premium
#1 retirement advise
Save $100,000 by 30
Compound Interest
Investing: Evaluate an Index Fund
5 Tips - ( Worksheet)- WATCH the video 5 Tips and fill out the tips on this worksheet as you watch. After you evaluate the six funds on the next worksheet rank the 6 funds on this worksheet by order of how you would invest. #1 fund to invest in down to #6 fund you would not invest in.
Evaluate a Mutual Fund - (worksheet) - WATCH the video "Evaluate a Mutual Fund" and fill out the fund evaluation spreadsheet as you watch the video
Then evaluate and fill out the spreadsheet worksheet on the following 6 funds. (The first 2 funds are done for you in the video)
Evaluate these 6 funds on the spreadsheet, then rank them on #1 best to invest in through #6 you would not invest in this fund.
RSNRX
POAGX
SWPPX
VBMFX
PFGTX
Work with a partner to evaluate six mutual funds.
(37)Daily Objective January 9th
standard: Identify common types of risks and basic risk management methods
QOD
Life Happens-simulation
Index funds
REVIEW: 10 habits and PF sayings
Renters Insurance
Car Insurance
risk
Fill out the Insurance Worksheet following the directions on it.
Go to this website
Put into the basket when done.
Play financial football if done early
Play Countdown to retirement
Last day to turn in late work is Friday January 17th
(38)Daily Objective January 13
*Understand the need for insurance in your lifetime
Guest Speaker on Insurance
If you miss this guest speaker and want to make up the points you will need to:
Type up a two-page, double-spaced report on insurance. Be sure to answer all questions!
This is not a copy and paste from the Internet Assignment, this is in your own words from your research.
- What is insurance?
- What is a deductible? What is a premium?
- Name four different kinds of car coverage you could have on your policy?
- What is the required car insurance coverage amounts in Oregon?
- Why do you need life insurance?
- Name the difference between term and whole life insurance.
- Why do you need renters insurance and what does it cover?
- What is health insurance and why is it so important?
This two page assignment is due January 17th.
(39)Daily Objective January 15th
*Understand how to budget for a trip
*Prepare for and participate effectively in collaborations with diverse partners
QOD
Interactive for renters insurance
retirement out of reach
good paying jobs w/o a bachelors degree
Insurance Game-Timed-winning class gets candy!
Budgeting Assignment: groups of 3-4
Spring Break Trip - Go to google classroom to see this assignment and to turn your slideshow in as well as your budget. Be sure all team members names on are everything!
(40)Daily Objective January 17th
LAST DAY TO TURN IN ANY LATE WORK FOR THE SEMESTER!
QOD
Thank you notes to guest speakers (Ken, Earl, Mel)
QOD
Retirement
End of year class survey
Go over personal finance top ten habits -should be in your folder
Play Kahoots for Final Review
Continue with Spring Break Trip
Share with Mrs Suttich your results: Budget and Presentation on google classroom
Be sure all names from the group are on this project
Be sure you have great graphics
Be sure you really "sell" the trip: Fun, Budget friendly, a good value
Be sure you have specifics on food: Cost per meal and where you are going
Due at the end of the period
(41) Daily Objective January 22nd Finals 3rd and 4th block
first block: Thank you note to Ken
QOD
Four family budgets
Kahoots on google classroom for studying
Shady Sam-learn about loans and the dangers of interest rate
Become a Millionaire (know credit scores?)
Play Interest game
Play the lottery
January 24th Finals 1st
Remember your 10 Financial Habits!!
Sign up for Wealth Management to learn more about finances!
Keep your folder for reference!
Go forth and make good financial decisions in your life!
*Budgeting Case Study
work with a partner on this google classroom project
You will be adding a spreadsheet to turn in with this assignment
(2 total things to turn in)
See "Savings Case Study" in google classroom
Quizlets to study for final-these are on google classroom for you
QOD
QOD
1. Budgeting Case Study
Work with a partner on google classroom to help Alana out with her budgeting!
2. Read 11 tips article, take notes and then write one paragraph on how you will use this information in your own life!
On google classroom
Turn the Budgeting Case Study into Google classroom, Turn the 11 Tips notes into my basket.
Play STAX to practice your investing skills
Play "Can you make it as an Uber driver"
QOD
living small
your 20's
What is wealth?
Your Money, Your Future - Click on the Your Money, Your Future link
Find Your Money, Your Future button and click on it
Go to the bottom of the page and click on each button (Earn, Save, Budget, etc.) Read each section, take notes on your worksheet, then take the quiz at the end to test your financial knowledge!
Your Money, Your Future worksheet
If done early:
How to buy a used car
Car Loans: Go to Google Classroom and Do the Student Activity Pack 3.5
Then do the Compare: Auto Loans
Then do Compare: Select the correct auto loan
Turn all three in to Google Classroom
Due January 24th
(42)Daily Objective January 24-Today it the last day to turn in late work
QOD
Finish Car Loan Project if necessary-THREE things to turn into google classroom
Play uber game
Play STAX investing game and try to beat your score from last week!
(43) Daily Objective January 28
QOD
401K
student loan debt
Jeopardy review
Study:review your vocabulary chapter sheets, play financial football, play payback, study for another final.
(44) Daily Objective January 30
Finals Blocks One, three and four
End of first semester! Go out and be Financially responsible : )
Wise Pre Test - Open Wise Browser
Group Work: Read your assigned family and write up about them to share with the class.
Candy Game
Answer the questions from the last slide. Turn in to the basket.
(44)Daily Objective January 31
Car Project
(45)Daily Objective February 2
End of Semester
Finals for Block One and Two
*Learn/Review personal finance concepts: goals, saving, investing
QOD
Watch movie: Standard Deviants Personal Finance Video
Take notes on each concept
Turn in at the end of the period
Janitor - janitor makes millions
Oregon promise student makes it to Stanford
Lebron asks for advice
https://investor.gov/tools/calculators/compound-interest-calculator
TO MAKE UP THIS ASSIGNMENT READ THE ARTICLES ABOVE AND WRITE UP A PARAGRAPH ON EACH ONE OF WHAT IT WAS ABOUT AND WHAT YOU LEARNED. THEN, WRITE A PARAGRAPH ON WHAT COMPOUND INTEREST IS AND HOW IT FITS INTO RETIREMENT PLANS. USE THIS COMPOUND INTEREST CALCULATOR AND SEE HOW MUCH MONEY YOU WOULD MAKE IF YOU PUT 200 AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS AND 5OO AWAY EACH MONTH FOR 20 YEARS AND 40 YEARS. (Your current principal is a $1000 initial investment.)
snow day lost - February 21
*understand how salary affects your lifestyle options
QOD
Play kahoots on Banking
Watch Documentary "Spent: Looking for change"
Questions:
1.What are some of the disadvantages of being locked out of, or choosing not to belong to, the traditional banking system?
2. Understanding why so many Americans turn to predatory lenders when they’re in financial trouble, what do the two families profiled have in common?
3. How did this video open your eyes to people living paycheck to paycheck?
Play spent and see if you can reach the goal of living for one month and having savings of $1000.
(19) Daily Objectives April 9
*Learn personal finance vocabulary in regards to Inflation, the Value of Money, and saving!
QOD
Take the credit unit Socrative test
my car
magic money
Money talks
student loan debt
I will take notes on the videos as well as on Chapter three PowerPoint Vocabulary
Chapter 3 PowerPoint
my car
magic money
Money talks
student loan debt
Watch Inflation video: Too Much Money
Type up a two-page, double-spaced, size 12 Times New Roman font, report on Budgeting.
DUE ON April 26th.
*This is NOT a copy and paste assignment. It must be written in your own words from your research*
- What is a budget?
- Why is it important to make a budget?
- What types of things do you include in a budget?
- What is a financial plan?
- Explain the difference between fixed expenses and variable expenses. Give examples.
- What is earned income? Unearned income? Variable income?
- Explain the difference between income tax, property tax and sales tax.
- How do you figure out your net worth?
- Name 10 expenses you might have in a budget.
*Understanding the consequences of texting and driving on insurance rates as well as its affect on your life!
QOD
Texting Video
Reflection:
What are the consequences of driving and texting.
How might the lives of those in the video be different today if they had not been texting while driving?
Which story had the most impact on you and why?
What kind of pledge are you willing to take today in regards to your own driving?
Financial Football with a partner
MAKEUP FOR THIS ASSIGNMENT: Research YEBW and write up a report on the following:
What is YEBW?
What are the five camps you can attend?
Where and when are their camps?
How much does it cost to attend?
What sponsors are involved with this program?
What businesses are involved in YEBW?
What types of things do you do on your week on a college campus?
What could you learn by attending YEBW?
Take notes on the video in class for beginning vocabulary!
Video - your money your life
This makeup report is due on April 16.
Jeopardy review
Fin Friday
Daily Work tab-Write the concepts learned from last class-college you looked up
Skills Needed for college
U of O admission rates
OSU admission rates
How to find and do work you love! (17)
Job Shadows (9.30)
Pick up four forms in the back of the room
I will fill in all forms, staple together and put in the basket.
(Definitions do on own, rest as a class.)
Forms
W-4
1040EZ
Math Work
Filling out the W-4 and 1040EZ
IRS Tax Tables
Sample W-2
Career Video
google IT program
*Understand Inflation and what it does to the value of money
QOD
What every HS school student needs to know!
FICO score simulator
Daily Work tab-Write the concepts learned from last class
Why we crave what's cool
How to lose 20 million
I will take notes on the videos as well as on Chapter three PowerPoint Vocabulary
Chapter 3 PowerPoint
I can read Chapter three and fill in worksheet-put in basket
Chapter 3 Worksheet
Study your vocab from this chapter, there is a test next class on it!
*Understand savings and how people around the world spend money
QOD
Fin Friday
Write a letter of appreciation to a teacher
5 steps to financial freedom
Don't buy a new car!
Pain of Money%
Play Pay Day Game - groups of 4
Read rules!
Turn in reflection
What did you learn from the game?
Did you take loans? Make Deals? What for? Why not?
What happened to you and how did it make you feel?