Traditional Income Three core lessons Student selfassessment Work

Traditional: Income • Three core lessons ü ü Student self-assessment Work preferences Taxes NMI • Video introduction • Pre-test • Eight extension activities

Lesson One: Plan Your Future • Define income • Personal traits • Worker profile activity Extension activity #1

Lesson Two: Careers • Career readiness • Career clusters ü Exploration ü Trends • Knowledge / skills Extension activity #2

Lesson Three: Taxes and My Income • Taxes ü Income ü Sales ü Property • Net monthly income

Assessment • Teacher guide only ü ü 11 questions Multiple choice Calculation Answer key

Income – Extension Activities Kuder Navigator (p. 47) ü Online career assessment Career Choice Research (p. 51) ü BLS Occupational Outlook Handbook Being an Entrepreneur (p. 55) ü Start a company – group presentation

Income – Extension Activities Starting a Lawn Care Business (p. 59) ü Fixed and variable costs STEM Career (p. 63) ü Design and build a product Social Security & Medicare (p. 69) ü Tax calculations

Income – Extension Activities Sales Receipt Analysis (p. 75) ü Sales tax How to Complete a 1040 -EZ (p. 79) ü Income tax return

Traditional: Saving, Investing and Risk Management • Two core lessons ü Saving ü Investment options ü Insurance • Five extension activities

Lesson One: Saving and Investing • • • Pay Yourself First Savings funds Saving goals Interest Know It All

Lesson Two: Managing Risk • • Insurance policies Premium Tree of Life Perfectly Matched

Assessment • Teacher Guide only ü ü ü Nine questions Multiple choice Fill in the blank True/False Answer key

Extension Activities Understanding College Costs and the FAFSA (p. 31) ü Paying for college Understanding Stock Quotes (p. 35) ü Analyze a stock portfolio Roth IRAs (p. 39) ü Teens investing for retirement

Extension Activities Compound Interest and the Rule of 72 (p. 43) ü Online, worksheet, team options Junior Achievement $ave USA (p. 49) ü Online lesson – risk and insurance

Traditional: Debit and Credit • Four core lessons ü ü Financial institutions Debit/credit use Benefits and pitfalls Credit score • Five extension activities

Lesson One: Banking Partners • • Bank/credit union Internet bank Online banking Mobile banking

Lesson Two: Personal Spending • • Electronic payments Credit Bankruptcy Mobile banking

Lesson Three: Savvy Shopping • Debit and credit payments

Lesson Four: Managing Credit • Credit report • Credit score game

Assessment • Teacher Guide only ü ü ü 10 questions Multiple choice Fill in the blank True/False Answer key

Extension Activities Checks and Checking Accounts (p. 41) ü Check writing and registers Installment Debt (p. 49) ü Interest rate effect on real price Rent or Home Ownership (p. 55) ü Benefit and responsibility

Extension Activities Leasing vs. Buying a Car (p. 61) ü Pluses and minuses of having a car Identity Theft (p. 67) ü Protecting personal information

Traditional: Budget + • Three core lessons ü Budgeting ü Paying for education • Three extension activities

Lesson One: Think Before You Spend • • Wants and needs Impulse buying Short-term goals Long-term goals

Lesson Two: What is a Budget? • Budget categories • Discretionary income • Budget your time option

Lesson Three: Using a Budget • Opportunity cost • Scarcity • Life scenarios ü Summer job classifieds ü High school scenarios

Assessment • Teacher Guide only ü ü 10 questions Multiple choice Fill in the blank Answer key

Extension Activities Sample Budgets (p. 41) ü Evaluating budgets Personal Budget (p. 47) ü Developing a realistic budget Paying for Postsecondary Education (p. 53) ü Financial aid options

Simulation and Debriefing • Virtual simulation • 4 45 -min sessions • One debrief lesson • Post-test

Virtual Simulation • Four sessions ü ü ü The Truth Revealed The Big Search Budget Puzzle Final Commitment “Extras” round