Personal+Finance

=Welcome to Personal Finance!!!=

=**Course Description: In this course, you will learn how to become a critical consumer and apply various money management skills.**=

= = =**Classroom Procedures and Expectations:**= =**__ Please! No food in class. Only drinks! __**=

=**__Daily Procedures:__**=
 * Wait at door for Ms.B to greet before entering the classroom
 * Grab materials and go directly to seat - Ipads should remain "apples up" or be put away during warm-up unless directed otherwise
 * Complete the warm-up while Ms.B takes attendance
 * Warm-up is to be complete 5 minutes after start of class
 * Discuss warm-up
 * Receive feedback regarding skills and work
 * Complete assigned work
 * Work until 5 minutes before the end of class
 * Turn in work at designated bin at front of the room

***Transitioning between activities will be done in an orderly and timely manner***
=__**Bathroom and Hall Procedures:**__=
 * Hall passes are not granted until warm-up activity and discussion is complete AND will not be granted the last 5 minutes of class
 * Ask permission to leave
 * One student out of room at a time
 * Must take hall pass
 * Return in a timely manner

=__**Technology Rules**:__= =**Personal Device Policy Violation Steps**=
 * All personal devices are **prohibited** unless directed by Ms.B to be used for instructional purposes. Personal devices are to remain in backpack.
 * Ipads should remain "apples up" or put away unless directed by Ms.B
 * Laptops are for classwork only. All music sites including Youtube may not be used in class unless directed by Ms.B.
 * Step 1. Ms.B will ask student to put device away for the rest of the class period.
 * Step 2. If device remains to be an issue, the student will have the choice to give Ms.B the device for the remainder of the class period OR hand over personal device to the I-teacher.

Syllabus:

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Exit Ticket Examples

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Google Classroom Code and Link:

https://classroom.google.com/c/NTU3NjY2MTNa

=**Unit #1: Introduction to Personal Finance: Becoming a Critical Consumer**= Standards Addressed: E.12.11: Compare and contrast individual differences and influences on consumer decisions related to money. E.12.21: Evaluate the influence of advertising on decision making and spending.

Needs, wants and values
 * Lesson #1**

What are your needs, wants, and values? How do your needs, wants, and values influence your financial goals and spending decisions? What influences your needs, wants and values?
 * Essential Question:**

Learning Target: SWBAT
 * Activity #1**
 * Identify the difference between a need and want
 * Distinguish between personal needs and wants

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Lesson #2 Learning Target: SWBAT
 * Evaluate how advertising influences spending



[|Generation Plastic] Double Entry Diary

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 * Lesson #3**
 * Learning Target: SWBAT**
 * Compare and contrast individual needs and wants**


 * [|External influences on consumer spending]**

[|Kids and advertising]


 * Wants and Needs Final Assessment**


 * Unit #2: Credit and Debt Management **

C. 8.32: Differentiate between a credit card, charge card, and debt card C. 12.2.3 Explain credit C.3 Identify and evaluate interest rates, fees and other charges C.5 Calculate the cost of borrowing C.8.5.2 Compute amount of interest paid over time when using credit
 * Standards Addressed:**

[|PBS - Making it and Keeping It]

What are the main terms I need to know about credit cards? What are the main types of credit? What is credit?
 * Lesson #1 / Introduction to Credit Cards**
 * Essential Questions:**

Activity #1: SWBAT
 * Research credit card vocabulary

[|Credit Card Vocabulary]

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Essential Questions:
 * Lesson #2: Credit Cards**
 * What is a finance charge?
 * How do companies calculate finance charges?
 * What is a debt load and how is it calculated?


 * Activity #1: SWBAT**
 * Calculate interest on a loan and apply the 20/10 rule



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Activity #2: SWBAT Calculate the cost of credit

Activity #3: Buying a Car [|Buying a Car Project Summative Project]

Unit #3 Money Management and Budget

What is the difference between a fixed and variable expense?
 * Lesson #1: Fixed versus Variable Expenses**
 * Essential Questions:**

Unit #4 Planning, Saving and Investing

Unit #5 / Close Reading Financial Literacy / Reading for the Common Core