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Read Jason Alderman's Practical Money Matters Weekly Column
From www.practicalmoneyskills.com
Travel Calculator: A handy travel budget tool
Marriage Planning: Tips for tying the budget knot
Financial Literacy Tab Answer Key View PDF
Answer key for the activities and quiz in the Oshkosh Northwestern Financial Literacy tab distributed April 17, 2008.
Monthly Budget Worksheet View PDF
Family Savings Goal Worksheet View PDF
Youth Banking Tips View PDF
Money Math: Lessons for Life View PDF
Downloaded from www.treasury.gov includes the following lesson plans:
Lesson 1 The Secret to Becoming a Millionaire .......................................................................1
Students learn how saving helps people become wealthy. They develop “rules to become a millionaire” as they work through a series of exercises, learning that it is important to: (1) save early and often, (2) save as much as possible, (3) earn compound interest, (4) try to earn a high interest rate, (5) leave deposits and interest earned in the account as long as possible, and (6) choose accounts for which interest is compounded often. This lesson assumes that students have worked with percents and decimal equivalents.
Lesson 2 Wallpaper Woes ........................................................................................................ 23
Students hear a story about Tom, a middle-school student who wants to redecorate his bedroom. They measure the classroom wall dimensions, draw a scale model, and incorporate measurements for windows and doors to determine the area that could be covered by wallpaper. Students then hear more about Tom’s redecorating adventure, learning about expenses, budget constraints, and trade-offs. For assessment, students measure their rooms at home. This lesson requires that students know how to measure, or a review may be necessary before teaching.
Lesson 3 Math and Taxes: A Pair to Count On.................................................................... 35
Students examine careers and reflect on how workers use math in their occupations. They study selected occupations, learning about the work skills (human capital) that different workers possess and salaries that those workers earn. Next, students learn about how taxes are paid on income that people earn and how income tax is calculated. They learn how the progressive federal income tax is based on the ability-to-pay principle.
Lesson 4 Spreading the Budget ............................................................................................... 61
Students develop a budget for a college student, using a spreadsheet. They examine the student’s fixed, variable, and periodic expenses and revise to adjust for cash flow problems that appear on the first spreadsheet. This lesson is designed to increase student awareness and appreciation of the efficiency of using computer technology in math applications.
Money Math: Lessons for Life Flyer View PDF
This flyer provides the information needed to order a paper copy of the Money Math booklet.
Banking Basics View PDF
From the Federal Reserve Bank of Boston this booklet has student geared information about everything banking from” What is a bank?” And “How did banking begin?” to “How does the Federal Reserve fit into the U.S. banking system?”
The Federal Reserve Educational Videos download at: http://www.federalreserveeducation.org/news/multimedia/videos.cfm
Companion Brochure View PDF
Lesson Plans View PDF
Every Picture Tells a Story Lesson Plan View PDF
Students will examine the ways in which a work of art represents the culture or lifestyle of people living in a state. For this lesson they will examine the designs on the 50 State Quarters®.
A Gift for Mama Lesson Plan View PDF
In this lesson, students read a story about a young girl named Sara. Sara has always made gifts for her family for special occasions. For Mother's Day, Sara decides she wants to buy a gift for her mother. After reading and discussing the story, students will create a booklet in which they've illustrated Sara's short-term savings goal and their own short-term savings goal.
Bingo Brown and the Language of Love Lesson Plan View PDF
Bingo Brown's girlfriend has moved to Bixby, Oklahoma. Another girl, Cici, has decided that she likes Bingo, but Bingo's friend, Billy Wentworth, likes Cici. It is up to Bingo to try to make everything work out. The accompanying lesson plan reviews personal finance topics of credit, credit cards, service credit & interest.
Four Dollars and Fifty Cents Lesson Plan View PDF
In this lesson, students use the book, Four Dollars and Fifty Cents, to discover ways that creditors can obtain payment from reluctant debtors.
From the Mixed-up Files of Mrs. Basil E. Frankweiler Lesson Plan View PDF
In this lesson based on From the Mixed-up Files of Mrs. Basil E. Frankweiler, students use the experiences of Claudia and Jamie to learn about income, expenses, and the budget process. The book follows the adventures of two runaway children hiding out in the Metropolitan Museum of Art in New York City. Students complete an activity emphasizing the need for income and the importance of planning and budgets. Students also have an opportunity to update some of the 1967 prices used in the book. The assessment activity has students sort through expenses and income sources to construct their own weekly budget.
Kermit the Hermit Lesson Plan View PDF
This lesson will examine spending and saving decisions related to the book, Kermit the Hermit, a crab who wished to repay a poor boy's kindness but couldn't figure out how.
Meet Molly, An American Girl Lesson Plan View PDF
Students will look at saving and spending decisions in 1944 through the eyes of Molly, a nine year-old growing up during World War II. The lesson uses Meet Molly, An American Girl, by Valerie Tripp. The book is the first in a series of six books that feature Molly in 1944 America. After reading chapter 1, students complete an activity designed to focus on the reason for Victory gardens in 1944. After chapter 2, students complete "Halloween Opportunities," an activity that stresses the similarity between saving and spending decisions in 1944 and 1998 and that teaches opportunity cost. The last activity, "American Factories Go to War" utilizes the nonfiction excerpt in the back of the book to help students understand the large amount of saving that took place during the war because of consumer good shortages.
Mr. Popper’s Penguins Lesson Plan View PDF
This lesson addresses the issue of credit, focusing on the importance of wise credit decisions, the risks lenders face, the role of interest or finance charges, and the credit user's responsibility to repay. Students read Mr. Popper's Penguins and discuss the use of credit in the story. They play a game that demonstrates the importance of responsible use of credit.
Not for a Billion Gazillion Dollar Lesson Plan View PDF
Students read a book about Matthew Martin who wants a new computer program. He has no savings, and he's in debt to most of his classmates and his parents. His parents share their experiences of buying on credit and getting out of debt. Matthew uses his allowance to pay off his debts and saves until he can buy the computer program. Students learn about the advantages and disadvantages of saving and credit, and they have an opportunity to obtain homework passes on credit.
Stone Fox Lesson Plan View PDF
In this lesson, students use the book, Stone Fox, to understand income, capital, saving, taxes, and credit. Stone Fox tells the story of Little Willy, a ten year old who enters a challenging dog-sled race in hopes of winning money to pay the back taxes on his grandfather's farm.
Tarantula Shoes Lesson Plan View PDF
Students read a book about Ryan O'Keefe, a young man who wants a pair of basketball shoes promoted by a basketball star. They learn about spending, saving, opportunity cost, and trade-offs as they study Ryan's decisions throughout the book. Students keep a diary of expenses to track their spending and examine their opportunity costs.
Yard Sale Lesson Plan View PDF
After the teacher reads Yard Sale, the class discusses spending decision of the animals in the story. Students learn a decision-making process and how to identify their opportunity cost.
The Berenstain Bears' Trouble with Money Lesson Plan View PDF
Students read about the cubs' spendthrift ways and how Mama and Papa Bear teach them to earn and save. Students learn about figures of speech, and they create "critter banks" in which they can begin to save.
The Berenstain Bears' Mad, Mad, Mad Toy Craze Lesson Plan View PDF
In this lesson, students use the book, The Berenstain Bears' Mad, Mad, Mad Toy Craze, to learn about spending, collecting, opportunity cost, saving, and speculating.
The Hundred Penny Box Lesson Plan View PDF
After reading The Hundred Penny Box, students compare how people save money in financial institutions. Students analyze the advantages of regular saving and how savings grow with compounding.
The Leaves in October Lesson Plan View PDF
In this lesson, students read a story about a family living in a shelter. The daughter, Livvy, and a friend, Belinda, sell tissue roses. They share their profits. Belinda spends her money; Livvy saves her. Students learn about different places to save their money and the advantages and disadvantages of each. They also learn that spending and saving decisions have opportunity costs.
ABA Education Foundation Offers Financial Tips In Observance Of Black History Month View PDF
ABA Encourages Consumers To Protect Their Debit Cards From Skimming and Scamming at the ATM View PDF
Americans Rank Direct Deposit Their TopMoney Management Tool View PDF
ATM SafetyTips View PDF
Extreme Makeover Finance Edition View PDF
Financial Improvement Tips for a New You in the New Year
Safety in Numbers View PDF
Choice Bank Offers Customers Advice on Safe ATM and Debit Use
The Importance of Saving Straight From the Bankers Mouth View PDF
Use it or Lose it Tips to Using Gift Cards Wisely View PDF
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