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PERSONAL FINANCE-FL-2012

Cyber Monday - Black Friday link - -http://www.usnews.com/news/articles/2012/11/13/black-friday-
backlash-retailers-take-heat-from-employees-over-thanksgiving-hours_print.html

www.cybermonday2012.com

 Lesson/Day

 Date

 ASSIGNMENT

 Comments/Extras

 1

8/16 

 Introductions - Syllabus - Seating Charts

Jumpstart - pretest

  http://homemoneyhelp.com/ 

Check stocks at www.howthemarketworks.com

http://www.themint.org/kids/take-the-spending-challenge.html - Take the Spending Challenge

 2

 8/17

Jumpstart questions  www.budgetstretcherpremium.com
 3

8/20

 Kiersey personality  
4

8/21

 Kiersey personality

 

 5 8/22  Left/right brain activity  
 6  

8/23

1-CITE learning Styles instrument - go over in class

2- Type the following information in Word and include a footer with your name, hour and filename of "Personality Summary". Change line spacing to 1.0 and Remove space after paragraph.

MY PERSONALITY SUMMARY
By _________

Kiersey

Summarize your personality type by writing a minimum of two, five-sentence paragraphs using your notes from the Kiersey handout and the profile summary. 

Right/Left Brain

Describe which side of your brain calls the shots by writing a paragraph of your # on the 1-19 scale, your dominant hemisphere, and how you could improve to move toward a more whole-brain learning.

CITE Learning Styles

Describe your learning style by writing a paragraph about your major learning style. Use the description and questions from the handout to help you in your writing.

 
 7

8/24 

Finish your Personality Summary - Print - Staple your Kiersey scoring page, the L/R Brain scoring page, and the CITE scoring page to the back of your Personality Summary

 http://www.jumpstart.org/reality-check.html

 
 8  Mon, 8/27 - Ch 1 Notes - Job/Profession  
 9  Tue, 8/28

 Career Search

DOT - http://www.occupationalinfo.org/
OOH - http://www.bls.gov/ooh/ 
Monthly Labor Review - http://www.bls.gov/mlr/ 

 
 10 Wed,  8/29

 Finish Job Analysis

Complete Ch 1 Study Guide

 
11

Thr, 8/30

Go over Study Guide in class

FBLA information

 
 

 

 NO SCHOOL  
 

 

 PAST ASSIGNMENTS  
 

 2/4

 Resumes  
   2/7  Review for Ch 1 Test  

5-13-11

1-Play the game and check out your score

2-Use Word to create one page of notes on how to:

A-minimize your risk for Identity Theft (min of 10 ways)  
B-What to do if you think you've been a victim of ID theft

Include your name, date, hour, class in a footer.

 IDENTITY THEFT GAME link -

http://www.onguardonline.gov/games/id-theft-faceoff.aspx

   2/8 Ch 1 TEST - Edit Resumes  5-16-11STUDENTS: Locate all of your handouts, posters, etc. on Credit. Type using the laptops 20 questions based on the information you’ve learned in this unit. Be sure the questions are not just “yes/no” questions but rather they cover terms and concepts learned from the unit. You should cover a variety of topics. You may choose:
  • Short answer
  • Multiple choice
  • Matching – maximum of 7
 Bold the question and italicize the answer EMAIL to Brenda.jenkins as an attachment.  If you don’t know how to do an attachment, ask someone or just copy/paste the information from the Word document into the body of an email. If you do not email the document you will have a disadvantage on your final. Due at the end of the hour. Please work on your own and not with another person at your table.  
   2/9  References Page - Cover Letter  
   2/10    
   2/11    
 

2/14 

   
 

 2/15

   
 

 2/16

   
 

 2/17

   
 

 2/18

   
     FIRST SEMESTER  
 1  Ag 18  Introductions - Syllabus - Seating Charts  http://homemoneyhelp.com/ 
 2  19    www.budgetstretcherpremium.com
 3  20    
 4  23    
 5  24    
 6  25    
 7  26    
 8  27    
 9  30    
 10  31    
 11  Oct 1    
 12  2    
   3  NO SCHOOL  
   6  NO SCHOOL  
 13  7    
 14  8    
 15  9    
 16  10    
 17  13    
 18  14  Type Resumes on Laptops  
 19  15  Type Cover Letters on Laptops - turn in drafts of resume and Cover Letter  
 20  16 Edit Resumes and cover letters from edits - complete applications before the end of the hour  
 21  17    
 22 M,Sept 20 Go over Interview Questions from 101 Answers to Tough Interview Questions. - in class  
 23  T,21

 Interview one another

Watch scenes from "The Middle"

Write a Thank-you/Follow-up Letter

 
 24  W, 22

SUB 

Watch Episode 14, Disc 4 of The Apprentice - Interviewing

Finish Study Guide and attached handouts

 
 25  R, 23  Review Sheet for Test tomorrow  
 26  F, 24  TEST - Chs 1-3 - Career, Resume, Cover Letter, interviewing, Applications, Thank you letters  
 27 M, 27   Begin Notes on Ch 5  
 28 T, 28  1st-Assembly, 2nd-Big Spender video  
 29 W, 29  Ch 6 Notes and worksheets - withhold allowanges, W-4  
 30  R, 30  Computing Net Pay - Act 6.1  
 31 F, Oc 1   Computing Net Pay  
 32 M, 4   Payroll Register  
 33  5

 Payroll Register - due

Review

 
 34  6  TEST - Act 6.5-Withholding allowances, computing net pay, pay periods quiz  
 35  7    
 36  8    
 37  11    
 38  12  SUB  
 39  13  SUB  
 40  14    
       
  R-Apr 22   {C}
  • LIBRARY LAB IS BOOKED FOR TODAY’S 1st and 2nd Hour Classes –
  • Have students write down and find the following information regarding Credit Bureaus and Credit Scores, then print out the information with their name on it and turn it in. Try to put it on an few pieces of paper as possible – copy and paste into Word, if necessary, change the line spacing to 1.0 (instead of 1.15).  Remove the space after the paragraph.  Insert a footer with your name, hour and “CREDIT SCORES” as the filename.
    •  Research the range of credit scores – low to high and find out –
      • what is a good score, a bad score and an okay score
      • How are credit scores determined and/or what are they based upon?
    • Research credit bureaus in regards to credit scores
      • What are the bureau names that credit scores are run through?
      • are credit scores the same for each bureau?
 
   Thr, Nov 5

Use the Millionaire calculator at http://bankrate.com/brm/cgi-bin/million.asp 

Enter the amount of money you have right now to save. Add in the amount you think you could save each month. Leave the average annual return amount of 8% and the 3% inflation. Enter $1M for your desired total. How many years will it take to save that amount of money? ______  With the rate of inflation you entered, what is the value of the money right now?  ______ (Write the information on the back of the handout you have for the following activity.

HOW TO BECOME A MILLIONAIRE WITHOUT BEING ON A GAME SHOW- Use your handout for this activity. The related links are provided below.

Save Monthly, or Not? That is the Question

11a--- http://moneycentral.msn.com/Investor/calcs/n_savapp/main.asp  

  • Choose “How Much Will I Save”
  • Enter the amount of money you have right now (in your checking or savings that you would invest and not take out of an account. You will not add to the amount, so enter $0.)
  • Enter the number of years until retirement at age 68.
  • Use a current interest rate of 2%. (It’s also called the Rate of Return.)
  • Interest is taxed annually. Leave the Marginal Tax Rate at 28%.

1b--- http://moneycentral.msn.com/Investor/calcs/n_savapp/main.asp  

  • Choose “How Much Will I Save”
  • Use the same initial amount as before. Now add a monthly amount that you could commit to and afford. (For instance, if you have $5 you can save per month now, then enter that amount.) 
  • Enter the number of years until retirement at age 68.
  • Use a current interest rate of 2%. (It’s also called the Rate of Return.)
  • Interest is taxed annually. Leave the Marginal Tax Rate at 28%.
How much more money will you make if you add a monthly payment? ____ Time and Money – What a Difference a Rate Makes

2a— Choose “How long will it take to reach my savings goal?”

  • Enter your same initial amount and your same monthly savings amount from the previous exercise.
  • Enter a goal of $500,000
  • Rate of Return at 2% (which is higher than a normal savings account right now.)
  • Interest is taxed annually. Leave the Marginal Tax Rate at 28%.

2b - Choose “How long will it take to reach my savings goal?” again.

  • Enter your same initial amount and your same monthly savings amount from the previous exercise.
  • Enter a goal of $500,000
  • Rate of Return at 8% (A higher percentage is used because you will want to find an investment that earns more for your “buck”.)
  • Interest is taxed annually. Leave the Marginal Tax Rate at 28%.
How much quicker will you reach your goal at a higher Rate of Return? ___ Save Daily
4-
Go to the One-Minute Millionaire Calculator http://oneminutemillionaire.com/tools/calculators/millionaire-calculator.asp
Enter the amount of money you could contribute each day to savings. Evaluate where you could cut back on expenses and put into savings (i.e. soda, gasoline, leaving money if your pocket to be washed, etc.) Use Rate = 6%

Amount saved each day = ____________ Date you will be a millionaire = __________

ANALYZE:  Look over your results.   Write/type two paragraphs (minimum 4 full sentences each) as to 1) why or why not you would like to become a millionaire and 2) the probability of you becoming a millionaire. (i.e. what is your attitude and future outlook on funds toward the possibility of saving and the required effort).

 
   Fri, Nov 6 Vehicle Prices
1--
Go to http://www.tcalc.com/tvwww.dll?CalcLoan?Cstm=customcalculator&tmplt=simpleloan.htm to use a "Simple Loan Calculator" . Enter a price for a vehicle you would like to purchase.  Use 6.9% as the rate and 60 months (5 years) as the Time.  Let the calculator compute the monthly payment for you.  Record the amount you are 'really' paying (the “total payments” amount).
Total Payments = __________________Total Interest Paid = __________________Automobile Affordability
2--
Go to http://www.tcalc.com/tvwww.dll?CalcLoan?Tmplt=CarAfford.htm&Cstm=customcalculator&PmntAmt=300.00
·         Enter the amount of money you can afford to make payments for a vehicle (be sure to leave extra money to pay for insurance above and beyond the amount you enter.)·         Enter the amount of money you have in your savings for a down payment and any trade-in value you have for a current vehicle.·         A used car will be calculated for 36 months (3 years) and a new vehicle will be calculated for 60 months (5 years).·         Keep the current interest rate at 6.9%.·         The most expensive car you could buy is $____________________.House Prices
3—Go to http://www.tcalc.com/tvwww.dll?CalcLoan?Tmplt=payment.htm&Cstm=customcalculator Enter a reasonable purchase price of a house in this area (between $45,000 – $125,000). Figure a 20% down payment and 30 years at 6.9%. Payment Amount = _____________________Total Payments = ______________________Total Interest = _____________________

4-Go to http://www.tcalc.com/tvwww.dll?CalcLoan?Cstm=customcalculator&tmplt=simpleloan.htm  and calculate a loan for a used car.  Use 3 years for the number of months and print the large amortization chart.  BE SURE TO WATCH HOW YOU GET THE PAPERS OUT OF THE PRINTER BECAUSE THEY CAN EASILY GET MIXED UP!!!

Look over the printouts to see what types of information are in the columns. Analyze the first payment to see how much you are paying in principal and how much in interest.  CIRCLE THE MONTHLY PAYMENT.  Write your name on the papers, staple and turn in.

 
   Mon, Nov 30

 www.howthemarketworks.com

Notes handout. Income, Growth & Blue Chip stocks.

Research a company using the handout.

 
   Tue, Dec 1

 Notes handout. Categorize stocks-low, medium, high

Research 2nd company.

 
   Wed, Dec 2  Notes handout. Categorize terms - on handout.  
   M, Dec 7 TEST - INVESTMENTS  
   T, Dec 8

 INSURANCE

1st hour -

2nd hour -

 
   W, Dec 9

 INSURANCE

1st hour -

2nd hour -

 
   R, Dec 10

 INSURANCE

1st hour -

2nd hour -

 
   F, Dec 11

 INSURANCE

1st hour -

2nd hour -

 
   M, Dec 14

 INSURANCE

1st hour -

2nd hour -

 
   T, Dec 15

 INSURANCE

1st hour -

2nd hour -

 
   W, Dec 16

 1st hour - FINALS

2nd hour - Review

 
   R, Dec 17  2nd hour - FINALS  
   F, Dec 17    

 

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