Consumer Finance Assignments (subject to change)

May 30

Banking Is Check Set

  • Reconciliation

May 26

Ditch Day

May 25

Banking Is Check Set

  • Complete transactions

Chapter 5 Test 1-35

May 24

Guest Speaker: Robin Hood Realty 21

May 23

Banking Is Check Set

May 22

Chapter 22 Worksheet p217-218 and p223

  • Objective: Understanding auto insurance

May 19

Quiz Chapter 22 Terms

Quiz Chapter 22: Insurance in Nevada

  • Complete in Google Classroom
  • Use notes

May 18-19

Chapter 22 Questions

May 17

Insurance in Nevada

May 16

QUIZ: Chapter 21 Worksheet

  • Objective: Understanding risk management and insurance
  • Pages 209-210
  • On paper, you can use the word list, must complete in class.

?s for Guest Speaker: Robin Hood Realty 21

  • Complete in Google Classroom

Quizlet Chapter 22 Property and Liability Insurance

  • Complete from yesterday

May 15

Quizlet Chapter 21: Introduction to Risk Management

  • Objective: List and define basic risk management terminology.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • If you do not finish in class send me an email with your Quizlet username.

Quizlet Chapter 22 Property and Liability Insurance

  • Objective: List and define basic auto insurance terminology.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • If you do not finish in class send me an email with your Quizlet username.

May 12

Chapter 21 Questions 1-25

  • Objective: Understanding risk management and insurance
  • Use provided notes in only

May 11

Complete Ch21 Questions 26-50

Chapter 21 Worksheet

May 10

Chapter 21 Questions as a class

May 9

Article: Cardi B demands to know where her taxes go—here's the answer

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete in Google classroom

May 8

Chapter 3 Test

  • Complete in Google Classroom
  • This must be done in class. If you are absent, you must come in before school, at lunch or after school to complete it.
  • You can also come in on an off period.

May 5

Chapter 3: Taxes

May 4

Chapter 3 Review

May 3

Chapter 3: Taxes

  • Objective: List and define basic tax terminology; Prepare tax forms.
  • Chapter 3 Project
    • Quiz: Tomeka Hunt Tax Return 1040EZ
      • Complete the 1040EZ tax form for Tomeka Hunt using the information below.
      • You can use page 21 as a reference.
      • Print this. Form 1040EZ

        Problem 22
        Use the tax table below
        2017-1040EZ tax table for thomeka hunt

May 2

Chapter 3 Taxes: Worksheet Pages 19-20

  • Objective: List and define basic tax terminology; Prepare tax forms.
  • Complete using notes provided in class only

May 1

Tax return Quiz

  • Objective: List and define basic tax terminology; Prepare tax forms.
  • Complete in Google Classroom

Finish Anderson's Return

April 27-28

Chapter 3: Taxes

April 26

Chapter 3: Taxes

Chapter 3 Taxes: Worksheet Pages 19-20

  • Objective: List and define basic tax terminology; Prepare tax forms.
  • Complete using notes provided

Apr 25

Quiz Terms Chapter 3

Chapter 3: Taxes

Apr 24

Quizlet Chapter 3: Taxes

  • Objective: List and define basic tax terminology; Prepare tax forms.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • If you do not finish in class send me an email with your Quizlet username.

April 21

Math worksheet pages 78

  • Objective: Solve for a number with a known percent

April 18

Finish yesterday's work

Buying a car

Apr 17

Chapter 14 Worksheet

  • Objective: How to buy a car
  • Pages 133-134
  • Use only the notes in Google classroom or Quizlet to complete.

Car buying article: 5 Tips For Buying A Car The Smart Way

Apr 14

Quiz: Chapter 14 Terms

Ch 10 p234 viewpoints: your attitude toward credit laws

April 12-13

Quizlet Chapter 14: Buying and Owning a Vehicle

  • Objective: Understand the process of buying and owning a car.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • If you do not finish in class send me an email with your Quizlet username.

Dave Ramsey video on Bankruptcy

  • Objective: Understand the dangers posed with credit and what can be done to avoid them
  • Complete in Google classroom

Apr 11

Fourth Quarter Pretest

Humboldt Ford Speaker Questions in GC

Predatory lenders

  • Objective: Understand the dangers posed with credit and what can be done to avoid them
  • From www.nerdwallet.com: "Predatory lending occurs when a lender uses unfair or deceptive tactics to lead a borrower into taking a loan that carries terms that benefit the lender at the borrower’s expense."
  • Read the directions in Google Classroom

Apr 6

After Graduation Plans in GC

April 5

Directions

Trump Bankruptcy

April 4

Test Chapter 10

Test Chapter 10: Written

  • Complete this after the online version.
  • Use any notes you may have.
  • Turn in to the substitute even if you do not finish.
  • Do not take it with you.

Apr 3

Chapter 10 Worksheet

  • Objective: Understand the dangers posed with credit and what can be done to avoid them
  • Pages 91-92
    • Submit each page separately. DO NOT STAPLE.
  • Must be completed in class
  • Use notes in Google classroom to complete

Mar 31

Quiz Chapter 10 Terms from Quizlet

Bankruptcy by Wall Street Survivor video and quiz

Mar 30

Chapter 10

  • Objective: Understand the dangers posed with credit and what can be done to avoid them
  • Ch 10 Section 2 p231-236 Notes: Bankruptcy
  • Notes video

Finish Quizlet Chapter 10

Mar 29

Chapter 9 Interest Calculations using Google Sheets

Mar 28

Finish Math Worksheet Page 41

  • Objective: Expressing fractions in lowest terms

Quizlet Chapter 10: Problems with Credit

  • Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • If you do not finish in class send me an email with your Quizlet username.

Mar 27

Finish Stock Splits assignment

Math Worksheet Page 41

  • Objective: Expressing fractions in lowest terms
  • Download and print

Mar 24

Create charts

  • Reopen your Stock Splits file in Google Classroom.
  • Add a chart for EACH of the companies you selected.
  • Each chart should plot the ending dollar value of the stock after each split.
  • It works best if you select the data you want to plot and then insert the chart.
  • Add titles to all axis, data labels, x-axis values and modify the appearance of the chart so it is more than the default settings.
  • Sample Chart
    Stock Splits

Mar 22-23

Stock splits

  • Objective: Increase understanding of the concepts of banking, investments, and financial markets
  • Complete in Google classroom
  • 2023 Video 1
  • 2023 Video 2
  • First, understand this calculation is not 100% accurate but gives you and idea of the effect of stock splits on your investment.
  • Find the value of a $100 initial investment in any TWO of the following companies. Apple, Nike, Disney, Microsoft, Intel, Ford, Merck, Exxon Mobil, Pfizer, Caterpillar, Procter & Gamble, McDonalds, Wal Mart.
  • To do this you must find the price of the stock when it began trading for the first time. Get this price and then determine how many shares $100 would buy.
  • Then find the stock splits over the trading history.
  • The old prices and splits are available under the "Historical Data" link. Slect MAX for the date range and Weekly for the frequency and then click apply.
  • Determine the number of shares you would now own and multiply times the current market price.
  • Calculations must be done using formulas.
  • Do not submit until charts are complete.
  • Sites to use:

Mar 21

FICO Email

  • Go to the myfico link below
  • Send me an email telling me two specific items from the categories that comprise your credit score (NOT THE CATEGORIES THEMSELVES) and one thing not included in your credit score. (you need to read in detail to find this information.
  • Please number the items 1-3.
  • Please read all of the information on the page as there may be a quiz.
  • Use the subject "FICO"
  • https://www.myfico.com/credit-education/whats-in-your-credit-score
    FICO score
  • Video: https://vimeo.com/221781256 (not required)

Mar 20

Interest Calculation Quiz 3

  • Objective: Using I=PRT calculate loan terms and compound interest

Mar 10

Chapter 9 Test: Cost of Credit in GC

  • Use notes

Mar 9

Chapter 9 Workbook Pages 83-84

  • Objective: Understanding how to use credit wisely and calculate the cost of credit.
  • Use the provided chapter 9 notes to answer questions. Do NOT write on notes. Turn them back in when finished.
  • Download Pages 83-84

Mar 8

Interest Calculations Quiz 2

Mar 7

Chapter 9 Quiz Costs of Credit

(Assigned if needed) Chapter 8: Credit Records and Laws Math Calculations

  • Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
  • Basic interest/math calculations.
  • Download and print if absent

Mar 6

Complete work from last two days

Mar 3

Chapter 8 Workbook: Credit Records and Laws

  • Objective: Calculate return on savings accounts and calculate compound interest.
  • Pages 75-77, 82

Mar 2

Interest Calculations Worksheet 1

  • Objective: Understanding how to use credit wisely and calculate the cost of credit.
  • Complete on paper

Mar 1

Complete Chapter 9 Workbook Pages 89-90

Feb 28

Complete Chapter 9 Workbook Pages 87-88

Chapter 9 Workbook Pages 89-90

Feb 27

Chapter 9 Workbook Pages 87-88

Feb 24

Quiz Chapter 9 Terms

  • Objective: Understanding how to use credit wisely and calculate the cost of credit.

Chapter 9 Workbook Pages 86

Feb 23

Chapter 9 Workbook Pages 85

Feb 22

Quizlet Chapter 9: Costs of Credit

  • Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • If you do not finish in class send me an email with your Quizlet username.

Feb 21

Quiz: 5 Cs of Credit and credit laws on GC

  • Use notes

Feb 17

Article: How High-Interest ‘Rent-a-Bank’ Loans Sidestep State Rate Caps

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete in Google Classroom

Feb 16

DUE: Loan Applications

  • You will have the period to fix and resubmit your applications.
  • Staple the new copy on top of the old.

Feb 15

Loan Applications

  • We will go over your applications and I will give you the information to complete the application and the point system.

Feb 14

Loan Applications

  • Need to be printed today even if you are not done.

The Dave Ramsey Show Video: Dave, I Disagree With Your Thoughts On Credit Cards

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Watch Video and complete the form in Google Classroom
  • To turn on captioning. In Chrome click the 3 dots in the upper right, click settings, click Accessibility on the left, turn on Live Captioning.

Feb 8-9

Loan Application

  • Objective: Understand how creditors determine creditworthiness. Increase understanding and utilization of spreadsheets.
  • Video Explanation of Loan app and Point system in Google Sheets (2022)
  • Video Explanation of what to include in the loan app (2023)
    • To turn on captioning. In Chrome click the 3 dots in the upper right, click settings, click Advanced on the left, click Accessibility, turn on Live Captioning.
  • Brainstorm for ways to evaluate 5 Cs on a loan application.
  • Create a loan application using the notes from the 5 Cs of credit.
  • Create the application in Google Classroom.
  • Include at least the following sections:
    • Personal information
    • Current and previous address
    • Current and previous employer
    • Income
    • Current debts and payments (include who it is owed to, amount owed and monthly payment)
    • Assets
    • References
    • Purpose of loan
  • Create a point system to determine creditworthiness. Go to 9:58 in the video for an example. This must include the following. Examples covered in a video that are not listed below should not be included; they are just examples.
    1. stability (length of time at a job or address),
    2. Monthly debt payments,
    3. Monthly income,
    4. bankruptcy (just subtract points for this),
    5. total assets,
    6. total debt.
  • When printed, they must be a maximum of one page. The point system should be on its own page.
  • If you are working from an example, DO NOT include information we did not cover in class.
  • Appearance/Formatting matters.
  • The information to complete the application will be provided in class. DO NOT FILL OUT THE APPLICATION until I give you the information.
  • Before turning it in you must handwrite the following on the point system page:
    • Score: using your point system.
    • Net worth: Assets -Liabilities
    • Disposable income: Monthly income - Monthly payments
  • Print and submit the application and point system when you are done.
    • Before submitting make sure you handwrite your name on the application.
    • Complete the new application with the information provided in class.
    • Show the score and the calculations above on the point system sheet.
    • Staple the new version on top of the old one if you made changes.
    • Submit.
  • The examples below are NOT completely correct. Use them as a starting point but make sure you include all of the information we covered in class. To repeat, they all have something wrong with them.

assets/loanapp2.JPGassets/loanapp3.jpgassets/loanapp5.jpgassets/loanapp6.jpgassets/loanapp4.JPG assets/loanapp1.JPG

Feb 7

Notes: 5 Cs of credit

  • Video: Notes
  • DTI Calculator
  • https://www.lendingtree.com/debt-consolidation/whats-a-good-debt-income-ratio/
  • https://www.lendingtree.com/home/mortgage/qualifying-for-a-mortgage-with-student-loan-debt/

Feb 6

Quiz: Chapter 8 Terms

Finish Quizlet

Feb 3

Chapter 8: Credit Records and Laws

  • Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • You MUST show me your results in class. DO NOT SEND THEM TO ME UNLESS INSTRUCTED TO DO SO. This means you must take the test in the room.

Feb 2

Quiz: Notes: Chapter 7-8: Credit in the US

  • Objective: Understand types of credit and its role in the economy
  • Must be done in class.

Email: Usury and Interest Rates

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Send an email to respinola@hcsdnv.com addressing the topic below. Use the subject, Usury and Rates.
  • Find and submit the following information. Copy and paste the questions below into your email.
  • Type your answer following each question not on the line below it. e.g., What is the best sports franchise? The New York Yankees.
  • Use complete sentences and proper English.
  • If you copy and paste from the internet (which is OK for this except for number 7), make sure all of the text has the same format. It should not look like this: What is the best sports franchise? The New York Yankees.
    1. What is the definition of usury?
    2. What is the usury rate for the State of Nevada?
    3. What is the federal funds rate (definition)?
    4. Who sets the federal funds rate?
    5. What is the prime rate (definition)?
    6. Who sets the prime rate?
    7. Why are the two rates (fed funds and prime) above important?

Finish Credit Cards in Google Classroom outside of class

Jan 31-Feb 1

Notes: Chapter 7: Credit in the US

Notes: Chapter 8: Credit Records and Laws

  • Objective: Understand types of credit and its role in the economy
  • Video Part 1: Skip the part on stock splits
  • Video Part 2

Jan 30

Quarter 3 Pretest in GC

Credit Cards in Google Classroom

  • Objective: Understand types of credit cards.
  • Complete in Google classroom
  • Video Explanation
  • Use the Internet to find five different credit cards from five different issuers that are targeted at young people (something you may have in a year or two).
  • You can go to a bank, credit union or credit card site directly. Such as https://www.capitalone.com/credit-cards/; https://www.bankofamerica.com/; http://www.hcunv.org/; or https://www.chase.com/.
  • Record the Institution (issuer), APR (not the intro rate), Fee, Grace Period, and Class/Type/Name.
  • You will need to go to the terms and conditions.
  • The grace period might be under how to avoid paying interest.
  • DO NOT change the formatting of the table.

Jan 27

Makeup: Last Day of the Semester

Jan 26

Quiz: Chapter 18: Bond Calculations

Jan 25

Quiz: Chapter 7 Terms

Complete Staff Superlatives

  • use the email sent to you last week

Jan 24

Complete work from Monday

Email

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Read: Sorry, Seniors, You Didn't Pay for (All of) That
    • Pay attention to the bold items
  • Answer the following: What can be done about Social Security and Medicare to secure it for your generation? How will this option work?
  • Try googling, how to save social security.
  • Support your stance.
  • Use at least one FACT from the article.
    • Do this by paraphrasing. Do not copy and paste. Do not quote directly. But you must still attribute.
    • Use Grammarly and follow common rules of English.
  • Send me an email to respinola@hcsdnv.com answering the above. Use the subject "Social Security"

Jan 23

Finish Quizlet: Chapter 7

Chapter 7: Credit in America

  • Objective: Understand types of credit and its role in the economy
  • Page 67-68 Fill-in, True/False and Multiple Choice

Jan 20

Quizlet: Chapter 7: Credit in America

  • Objective: Understand types of credit and its role in the economy
  • SKIP ALL PERSONALIZATION STEPS at beginning.
  • You must complete the Learn section before taking the test. All terms must be mastered to receive a grade for the test.
  • In the Learn area, click Options on the top right. Select Term and deselect Definition.
  • You must complete the Learn section before taking the test. You must see the picture below.
    Quizlet Learn
  • Change the test options to match the image below.
  • Take the test without other tabs or answers open.
  • Send me an email stating you are done. Include your Quizlet username in the message.
  • I will look up your score.

Jan 19

Finish Chapter 18 Workbook p183-184

Finish Chapter 18 Workbook p185-187

Jan 18

Chapter 18 Workbook: Investing in Bonds

Jan 17

Math Worksheet Page 43: Improper Fractions and Mixed Numbers

  • Objective: Calculate equations using fractions and mixed numbers

Chapter 18 Workbook p183-184: Investing in Bonds (review of investing options from Unit 3)

  • Objective: Calculate return on different types of bond investments

Jan 13

Quiz: Chapter 18 Bonds Terms

  • Objective: Increase understanding of the concepts of the economy, banking, investments, and financial markets

Finish Quizlet Chapter 18

Math Worksheet Page 43: Improper Fractions and Mixed Numbers

  • Objective: Calculate equations using fractions and mixed numbers

Jan 12

Quizlet Chapter 18: Investing in Bonds (review of investing options from Unit 3)

  • Objective: Calculate return on different types of bond investments
    • SKIP ALL PERSONALIZATION STEPS at beginning.
    • In the Learn area, click Options on the top right. Select Term and deselect Definition.
    • You must complete the Learn section before taking the test. You must see the picture below.
      Quizlet Learn
    • For the test, change the test options to match the image below.
    • Take the test without other tabs or answers open.

Jan 10

How time affects the value of money

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • 2022-2023 Video Explanation
  • Complete in Google classroom: Directions are at the bottom of the sheet.
  • Your totals should be the same as below. USE FORMULAS.
    Value At Retirement $113,686 Value At Retirement $114,464
    Less Total Contributions $20,000 Less Total Contributions $35,000
    Net Earnings $93,686 Net Earnings $79,464

Jan 9

DUE: QUIZ: Return on Investment

What's wrong with the math?

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Read the article below. It is a typical post that circulates on social media.
  • Send an email discussing what is wrong with the premise of the post. Why/how is their math wrong? Focus on what is wrong with their math. You MUST prove their math is wrong by including how much it actually equals in 40 years.
  • The subject of the email must be "math".
  • The usual standards apply.
    • Spelling, grammar and punctuation check.
    • Answer the question from above. State in your words. Do this by paraphrasing. Do not copy and paste. Do not quote directly. You must attribute if applicable.

Jan 6

QUIZ: Return on Investment

  • Objective: Calculate return on different types of stock investments
  • Use all problems as notes to complete Quiz: Return on Investment
  • Take home and complete by Monday.

Jan 5

Fix Calculating Stock Return Worksheet from December 16

  • Objective: Calculate return on different types of stock investments
  • Correct and return: Return on Investment in Google Classroom

QUIZ: Return on Investment

  • Objective: Calculate return on different types of stock investments
  • Use all problems as notes to complete Quiz: Return on Investment

Jan 4

Correct and Return: Calculating Stock Return Worksheet from December 16

  • Objective: Calculate return on different types of stock investments
  • Done as a class.
  • Video

Dec 19-20

QUIZ: Return on Investment in Google Classroom

  • Objective: Calculate return on different types of stock investments

Dec 16

Calculating Stock Return Worksheet

  • Objective: Calculate return on different types of stock investments
  • Follow the directions.
  • Use pages 167-169 to complete review.

Dec 15

Chapter 17 Workbook: Investing in Stocks (review of investing options from Unit 3)

Dec 13-14

Chapter 17 Workbook: Investing in Stocks (review of investing options from Unit 3)

Dec 12

Chapter 17 Workbook: Investing in Stocks (review of investing options from Unit 3)

  • Objective: Calculate return on different types of stock investments
  • Page 165-166 Fill-in, True/False and Multiple Choice

Dec 9

Quiz: Chapter 17 Terms from Quizlet

  • Objective: Calculate return on different types of stock investments

No additional work if you stay busy

Dec 8

Market Watch: Sell all holdings

  • Objective: Increase understanding of the concepts of banking, investments, and financial markets
  • Brief explanation of selling short.
  • In Market Watch, sell all stock you own.
  • You may have to wait until tomorrow for some of them to sell...mutual funds take a day to process.
  • Reinvest all of your proceeds in ONE company. You can also sell short if you want.
  • Do not exceed your available cash.
  • Remember, you can also buy mutual funds.
  • Send me an email stating what you bought and why.
  • Your reasoning must include something specific we have learned in class and MUST answer the question WHY?.
  • Stating, "I bought it because the PE ratio is high," is not suffcient.
  • This means state a reason for the purchase. More than, "It seems like a good company."
  • Use something from the stock quote but not the chart.
  • Use the subject, Stock 12/8.

Dec 6-8

In Class Assignment: Unit 3: Lesson 2: Inflation

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Explanation video
  • Complete in Google Classroom
  • Open the Google Sheet Unit 3: Lesson 2: Inflation
    • Find the prices for the following items and calculate the amount of inflation or deflation. 
    • Make the table below in Google Sheets and enter the formula to calculate the percentage. 
    • The formula is the current price minus 1999 price divided by the 1999 price. For example, if the Toyota was 26,000 this year, the formula would be =(26000-17518)/17518. HOWEVER, DO NOT USE THE ACTUAL PRICES, USE CELL REFERENCES SUCH AS B5/C5.
    • Apply formatting to the table to make it look professional.
    • Create a chart that graphs the inflation percentages for each item.
    • Chart Requirements
      • Use either line or column chart
      • X and Y axes Titles
      • Chart Title
      • Data Labels
      • Modify chart appearance in terms of color and fonts.
      • X Axis labels
    • DO NOT submit it before completing the second part of the assignment (inserting the chart in a Google Doc). Check with me before doing so.
    • After completing the second part, you must turn it in, in Google Classroom.
      Product 1999
      Price       		Current
      Price       		% Inflation/
      Deflation
      Toyota Camry LE 17,518.00    
      1 Gal. Reg. Gas-Local 1.30    
      Newspaper-Humboldt Sun .50    
      29" TV 2000.00    
      1st Class Stamp .33    
      iPhone-Base Model* 599    
      One lb of Hamburger 1.38    
      Nike/Jordan Basketball Shoe 135.00    
      Playstation 299.00    
      Jeans Levi 505's 36.99    
      Local Adult Movie Ticket 5.00    
      Milk 1 Gal. 2.88    
      1 Doz Eggs .96    
      *The 1999 price is for a 2004 iPhone
  • Open Unit 3: Lesson 2: Inflation Doc
    • Insert the chart from the sheet into the doc as a link.
    • Below the chart, write a brief explanation of why you think inflation happens and why some product prices increase more than others.

Dec 5

Unit 3 Test: Multiple Choice Section

  • Use Google Classroom
  • Use your notes.
  • You must receive at least a 70%.

Chapter 17 Workbook: Investing in Stocks

  • Objective: Calculate return on different types of stock investments
  • Complete on Quizlet. If you have not joined the Quizlet class scroll down to Aug 30.
  • You must complete the Learn section before taking the test. You must see the picture below.
    Quizlet Learn
  • In the Learn area, click Options on the top right. Select Term and deselect Definition and select Term.
  • Change the test options to match the image below.

  • Take the test without other tabs or answers open.
  • You can show me your results in class or send me an email with an image of your test results DO NOT do both.
  • Your screenshot should look like the image below. I need to be able to see that the test had the correct options in the image NOT JUST THE SCORE.
  • Use the subject Quizlet Chapter 17.

Dec 2

Unit 3 Test: True False Section

  • Use Google Classroom
  • Use your notes.
  • You must receive at least a 70%.

Dec 1

Compound Interest using Google Sheets

  • Objective: Calculate return on savings accounts and calculate compound interest using a worksheet and functions.
  • Open "Calculate Compound Interest with Sheets" and complete in Google classroom
  • To turn on captioning. In Chrome click the 3 dots in the upper right, click settings, click Advanced on the left, click Accessibility, turn on Live Captioning.

Finish Article: Holiday Sales

Bring back signed progress report

Nov 30

Compound Interest quiz 2

  • Objective: Calculate return on savings accounts and calculate compound interest.

Complete any missing work

Nov 29

DUE Compound Interest quiz 1

  • Objective: Calculate return on savings accounts and calculate compound interest.

FINISH Chapter 6 Workbook: Saving for the Future, Pages 53-54

  • Objective: Calculate return on savings accounts and calculate compound interest.
  • Use notes in Google Classroom

Article: Holiday Sales

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Article will post during class.
  • Complete in Google classroom

Nov 28

Compound Interest quiz 1

  • Objective: Calculate return on savings accounts and calculate compound interest.

Chapter 6 Workbook: Saving for the Future, Pages 53-54

  • Objective: Calculate return on savings accounts and calculate compound interest.
  • Use notes in Google Classroom

Nov 18 (SKIPPED)

Quiz Guest Speaker: Chris Entwistle, Country Financial

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets

Nov 17-18

Quiz Chapter 6 Terms

  • Objective: List and define savings options

Chapter 6 Workbook: Saving for the Future

Nov 16

Guest Speaker: Chris Entwistle, Country Financial

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets

Nov 15

Quizlet Chapter 6: Saving for the Future (move to chapter 16)

  • Objective: List and define savings options
  • Join Quizlet class if you have not
  • You must complete the Learn section before taking the test. All terms must be Mastered. This means to receive a grade for the test, Still Learning must be 0.
  • Take the test without other tabs or answers open.
  • DO NOT change the test settings
  • You must show me your score in class.
    Quizlet Learn

Nov 14

DUE: Unit 3 Review on Paper

  • Objective: Increase understanding of the concepts of the economy, banking, investments, and financial markets
  • Use your notes

Nov 8

Submit question for Guest Speaker: Chris Entwistle, Country Financial

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete the form in Classroom. You must submit at least one relevant question.

IN CLASS: Notes Unit 3 Savings and Investment Choices

Unit 3 Review on Paper

  • Objective: Increase understanding of the concepts of the economy, banking, investments, and financial markets
  • Use your notes

Nov 7

IN CLASS: Notes Unit 3 Savings and Investment Choices

Finish: Unit 3: Lesson 2: Worksheet 1: Comparing Savings Places

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets

Nov 4

Unit 3: Lesson 2: Worksheet 1: Comparing Savings Places

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Where to find information.
  • Find the information from three different financial institutions. One must be a credit union.
  • Explanatory video is embedded in the assignment.
  • Complete in Google Classroom

Nov 3

IN CLASS: Notes Unit 3 Savings and Investment Choices

Nov 2

Quiz: Chapter 16 Terms

Chapter 16: Investing for the Future Workbook Page 159

  • Objective: Distinguish investment and savings options
  • Investment Risk Tolerance Assessment in Google Classroom.
  • Click the link in the form to complete the assessment.
  • Don't close the screen at the end as you need to upload a screenshot of it.

Nov 1

Chapter 16: Investing for the Future Workbook Pages 157-158

  • Objective: Distinguish investment and savings options
  • Use ONLY the Chapter 16 notes in Google Classroom
  • If you are absent, download and print the pages.

Oct 31

Market Watch Evaluation

  • Objective: Increase understanding of the concepts of banking, investments, and financial markets
  • Go to Google classroom and complete the evaluation.

News

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Find a recent article about a business, industry, the stock market or the economy.
  • Submit the following via email.
    1. Copy and paste the headline
    2. Copy and paste the url
    3. Maximum two sentence summary of the article in YOUR words.
    4. Two sentence response stating how the news will affect the stock price or the economy in general.
  • Apparently it needs to be said...DO NOT PLAGIARIZE
  • Use the subject, "news".
  • Make sure Grammarly is turned on.
  • Copy and paste following into your email. Yes, I want them numbered. Provide your answer following : not on the line below it. All formatting should be the same.
    1. HEADLINE:
    2. URL/ADDRESS:
    3. SUMMARY:
    4. OPINION:
  • Example article (don't use it):

    Why Lexicon Pharma Is Soaring By Chris Lange

    September 9, 9:45 am EDT

    Shares of Lexicon Pharmaceuticals Inc. (NASDAQ: LXRX) saw a handy gain on Friday after late-stage results came out. The company announced that its pivotal inTandem1 Phase 3 clinical trial of sotagliflozin met its primary endpoint showing a statistically significant reduction in A1C at 24 weeks in patients with type 1 diabetes on a background of optimized insulin.

    Two primary safety concerns for patients with type 1 diabetes are severe hypoglycemia and diabetic ketoacidosis (DKA).

    In the trial, the statistically significant and clinically meaningful improvement in A1C for both doses of sotagliflozin was achieved without an increase in severe hypoglycemia, one of the most prevalent serious health challenges in type 1 diabetes, which was seen less frequently in both treatment arms than placebo.

Oct 27

Finish Chapter 16 Quizlet

Quarter 2 Pretest in GC

Market Watch Evaluation

  • Objective: Increase understanding of the concepts of banking, investments, and financial markets
  • Go to Google classroom and complete the evaluation.

Oct 26

Quizlet: Chapter 16: Investing for the Future

  • Objective: List and define investment options
  • Join Quizlet class if you have not
  • You must complete the Learn section before taking the test. You cannot have any terms left in Remaining. This means to receive a grade for the test, Remaining must be 0.
  • Take the test without other tabs or answers open.
  • DO NOT change the test settings
  • You must show me your score.
  • If you are gone, send me an email with a screenshot of your learn section showing you are done. It will look like the image below. Use the subject, Quizlet 16. Include your Quizlet username in the message.
    Quizlet Learn

Quizlet Chapter 6: Saving for the Future

  • Objective: List and define savings options
  • Join Quizlet class if you have not
  • You must complete the Learn section before taking the test. All terms must be Mastered. This means to receive a grade for the test, Still Learning must be 0.
  • Take the test without other tabs or answers open.
  • DO NOT change the test settings
  • You must show me your score in class.

Oct 25

Written Test Mutual Funds

  • Objective: Understand different types of mutual funds.
  • Use your notes

Oct 24

IN CLASS: Chapter 19 Workbook Pages 189-190

  • Objective: Distinguish investment options
  • Use ONLY the Chapter 19 notes in Google Classroom
  • If you are absent, download and print the pages.

Oct 20-21

Video: What the Heck ... Mutual Fund?

  • Objective: Understand different types of mutual funds.
  • Complete the form in Google Classroom

Math worksheet pages 55

  • Objective: Divide fractions and mixed numbers

Complete work from the week

Oct 19

Panorama Survey-1st period only

Mutual Fund Quiz

Oct 18

Buy a fund

Oct 17-18

Mutual Fund Research in Google Classroom.

Oct 13-14

Notes on mutual funds

  • Objective: Understand different types of mutual funds.
  • Video 1
  • Video 2

Oct 12

End of class, QUIZ: Chapter 19 Terms

Time to finish Quizlet: Chapter 19

Oct 11

Quizlet: Chapter 19 Investing in Mutual Funds, Real Estate and Other Choices

  • Objective: List and define basic risk management terminology.
  • DO NOT send a request to join the class.
  • Join Quizlet class
  • You must complete the Learn section before taking the test. This means to receive a grade for the test you must show that you covered all of the items in the Learn area.
  • When you are done with the Learn you should see the image below.
  • Take the test without other tabs or answers open. This must be done in class.
  • DO NOT change the test settings
  • Show me for a grade.

Oct 10

COMPLETE Final Check your investments

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Do at least some research.
  • Invest all of your remaining money.
  • Try to diversify (spread your money around) and NOT ALL OF IT IN ONE COMPANY.
  • Spend about $5000-10,000 for each company you buy.
  • This means you should have approximately 10-20 compaies in your portforlio.
  • SHOW ME YOUR portfolio FOR A GRADE
  • http://www.marketwatch.com/game/
    Market Watch Portfolio

Oct 7

Article: Investing Advice

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • 3 things you should never do when the stock market tanks
  • Complete in Google Classroom

Oct 6

Quiz: How financial Markets Work

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete in Google Classroom
  • Use your notes

Assignment: Investment Financial Services

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Buy one more company in Market Watch.
  • The company must be in the Financial Services sector which includes banks, mortgage companies, insurance and investment firms.
  • To find companies in a certain sector go to:
  • Video about Stock Screeners
  • Go to https://www.marketwatch.com/game/
  • Invest about $10,000
  • After you submit your order, check your portfolio holdings. If the order has processed, use the Snipping Tool to capture the information in your portfolio. It should look like the image below. Save the image to your desktop. Give the file a name.
  • Go to Google Classrom to upload the image in the form for the assignment
    Market Watch Portfolio

 

Oct 5

Makeup

Oct 4 Next year use GC FORM

Article: Securities Fraud

  • Find an example of securities (investment) fraud or insider trading from a recent news article and send me an email with a brief summary of what happened.
    • Do not use Bernie Madoff, Martha Stewart or Michael Milken.
    • Copy and paste the URL of the story into your email.
    • Three sentences maximum.
    • In your own words.
    • Use Grammarly to check it.
  • Use the subject "Fraud"

Oct 3

Complete Notes Worksheet

  • Objective: Increase understanding of financial markets
  • Complete questions on the front.
  • Show me when done.

Unit 2 Handout in Google Classroom

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial market.

Invest in another company

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Go to https://bigcharts.marketwatch.com/industry/ or https://finance.yahoo.com/screener/predefined/ms_healthcare/
  • Choose one of the companies to invest in.
  • Spend around $10000.
  • http://www.marketwatch.com/game/
  • Copy and paste the following into your email.
    • Company:
    • Reason:
  • Send the email to respinola@hcsdnv.com.
  • Use the subject "Health Services".
  • You must specifically mention one item from the stock quote as a reason for making the purchase. For example, I chose Cigna because its earnings growth was 22 and 32 percent in the last two years making it a profitable and growing company.

Sep 29-30

Notes: Unit 2 How financial Markets Work

  • Objective: Increase understanding of financial markets
  • Take notes on back of the worksheet.
  • Complete questions on the front.
  • Show me when done.
  • Notes Video 1
  • Notes Video 2

Sep 28

DUE: Résumés

Math Worksheet 50

  • Objective: Subtracting fractions
  • Must be done in class without your phone.

Sep 26

Create a Résumé and reference letter

  • Objective: Preparing to apply for a job (e.g., complete personal aptitude and interest inventories, performing a job search, developing a résumé, preparing for an interview).
  • Review the rubric and process for evaluating a résumé.
  • Cover traditonal résumé format, content and structure.
  • What to include and not.
  • Put all job descriptions in past tense. Look up job openings
  • If you are working on a résumé in English, you can use the English teacher's requirements for this class.
  • Do not use your school email.
  • Keep a copy of it in your own Google Drive, not the school's so you can use it after graduation.
  • Save it in Google Docs as "your last name resume"
  • When you think you are done, print a copy (ASK FIRST) use Lhs design BW
  • A classmate will edit your resume and grade it using the rubric.
  • Share with me when complete. This is after peer editing.

You can use templates in Word and Google Docs

Resources

Sep 23

Quiz: Financial Planning

  • Objective: Understand how decisions affect financial planning
  • Use Notes
  • Complete in Google Classroom

Invest

  • Buy one more company in Market Watch.
  • It must be a financial related company such as a bank, insurance, broker, investment house.
  • Invest $5000-10,000
  • Show me your portfolio for credit.
  • You need to be holding at least four companies.

Sep 22

US Expenditures Chart in Google Classroom

Sep 20

Complete Budget and Charts

  • Objective: Develop a household budget
  • Together we will insert a chart that tracks your ending balances for each month.
  • Add another chart which plots the Actual Expenses for one of the months.
    • Add appropriate labels, you must have labels for the expenses, titles and formatting to change the chart from default settings
  • SUBMIT

Sep 9-14

Budgeting

  • Objective: Develop a household budget
  • Go over average expenditures, take notes to develop personal budget. Scroll down for video of notes
  • 2019 Average Household Expenses
  • 2018 Average Household Expenses
  • 2016 Average Household Expenses
  • Reference Article: 09-13-20 Average Household Budget
  • Average Car Insurance Rates by Age and Gender
  • In Google Classroom open the budget file and begin creating your budget.
  • Only complete three months.
  • Input the budgeted items using the numbers we came up with in class.
  • You must use the income categories from your notes and/or the example budget below.
  • For the expense categories, follow the example. But if we covered an expense in class, it must be included.
    • Gas and oil, auto maintenance, renters insurance, subscriptions, medicine, savings, personal care, pets
  • Vary the actual numbers from the budget amounts.
  • For school related costs, go to the site of the college you think you will attend.
  • The beginning balance is what you think you will have in the bank when you graduate from high school.
  • The ending balance for one month is the beginning balance for the following month. This will be a formula.
  • The whole budget is linked together using formulas. So if your income is changed in September, it changes the ending balance for November.
  • FORMULAS:
  • Once you input all of the formulas for the first month you can then copy and paste them and the budget amounts to the next two months.
  • Vary the numbers for each month. This means your budget and actual amounts for food should not be the same for each month.
  • When all of the formulas are input, format the text and cells to change the appearance; make it look good.
  • Insert a chart that tracks your ending balances for each month.
    • The chart must have appropriate titles, labels, and formatting.

example budget

Sep 10 Skipped in 2022

9/11 Information

  • Send me and email using the subject YOUR FULL NAME 9/11.
  • Copy the questions below into your email and answer each question on the line below the question.
  • Find the following information
    • How long did the NYSE stay closed because of 9/11?
    • How much did the DJIA go down as a result of the attacks on 9/11?
    • How long did it take the DJIA to reach the level it was at prior to 9/11?
    • What were the long term effects of 9/11?
  • Check your spelling and grammar.

Sep 9-13

Notes: Unit 1 Financial Decisions

Sep 8

Email

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Read: 7 ways the Fed’s decisions on interest rates affect you
  • Copy and paste the questions/statements below into an email.
  • Answer the following:
    1. What is the Federal Reserve Bank?
    2. Name one thing the Federal Reserve does.
    3. Who is the chairperson?
    4. What the Fed does matters because...
  • Spelling and grammar check. State in your words. Do this by paraphrasing. Do not copy and paste. Do not quote directly. But you must still attribute.
  • Send me an email to respinola@hcsdnv.com answering the above.
  • Use the subject "Federal Reserve"

Sep 8

Finish work from Yesterday

Sep 7

Video: What is a Stock Market Index by Wall Street Survivor

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete in Google Classroom

Invest in another company

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Find a certain sector of the economy and invest in a the company.
  • Go to https://www.marketwatch.com/ click on Dow and then sectors.
  • Video explanation
  • Select one of the industries to find companies that are in it.
  • Choose one of the companies to invest in.
  • Spend between $5000-$10,000.
  • http://www.marketwatch.com/game/
  • Copy and paste the following into your email. Answer each following the colon.
    • Sector/Industry Definition:
    • Company:
    • Sector/Industry:
    • Reason:
  • Send the email to respinola@hcsdnv.com.
  • Use the subject "Sector".
  • For the reason, you must specifically mention one item from the stock quote as a reason for making the purchase and why it makes it a good investment. Check grammar and spelling.

Sep 6

Find a possible career

Sep 1

DUE: Math Worksheet Page 34

Make second purchase in Market Watch

Aug 31

Video: How the Stock Market Works

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete in Google Classroom

Math Worksheet Page 34

Aug 30

Complete first stock purchase and send email

Article: Oklahoma Johnson & Johnson verdict figures to impact other opioid lawsuits

  • Objective: Increase understanding of the concepts of the economy, banking, investments, and financial markets
  • See directions in Google classroom
  • Next year use this https://docs.google.com/document/d/13YHOjB6GPksakRk_47vKXGBCGlKzBRZ3mBuuqEfFoko/edit?usp=sharing

Aug 29

Quarter 1 pretest

Make first purchase in Market Watch

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Spend about $5000 on one stock.
  • Go to  https://www.marketwatch.com/games/lowry-cf-2022-2023/ to purchase the stock.
  • Send me an email explaining why you made the investment. respinola@hcsdnv.com.
  • I invested in ________________ because ___________________.
  • You must include one reason based on information from the stock quote.
  • Use the subject "Stock 1".
  • Video Explanation

Aug 26

Quiz: Stock Quotes

Assignment: What is Stock Video

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Complete in Google Classroom

Aug 25

Stock Quotes Research

  • Objective: Increase understanding of the concepts of the economy, banking, investments, and financial markets
  • Researching companies by industry, sector or trending stock.
  • Look up the quotes for five companies and record the information in the sheet in Google Classroom.

Aug 24

IN CLASS: Go over stock quotes

Assignment: Market Levels

Aug 23

IN CLASS: Go over stock quotes

Aug 22

Course requirements/expectations

Student Syllabus Verification

Join Google Classroom

Register for Market Watch

Join Quizlet

Join https://moneysmartcbi.fdic.gov/