Consumer Finance Assignments (subject to change)
- Consumer Finance Assignments
- Google Classroom
- Text Book Site
- Text Book on Google Books
- Stock Market Game
- Yahoo Finance
- Syllabus
May 30
Banking Is Check Set
- Reconciliation
May 26
Ditch Day
May 25
Banking Is Check Set
- Complete transactions
Chapter 5 Test 1-35
- Objective: Understanding checking and savings account and reconciling.
- Questions are in in Google classroom.
- Use bubble sheet to complete.
- Resource: http://uat.profitstarscms.com/2591Jclearfield-dev/financial-education.htm
May 24
Guest Speaker: Robin Hood Realty 21
May 23
Banking Is Check Set
- Video
- Download and print if absent
- Resource: http://uat.profitstarscms.com/2591Jclearfield-dev/financial-education.htm
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
- Objective: Understanding life and health insurance
- Complete as a class
- Download and print if absent
May 17
Insurance in Nevada
- Objective: Understanding auto and home insurance
- Go to the following pages and take handwritten notes to use on a quiz later. They should be AT LEAST one page.
- Show me when you are done.
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.
- 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.
- 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
- Objective: Understanding risk management and insurance
- Page 216 Download and Print if absent
May 10
Chapter 21 Questions as a class
- Objective: Understanding risk management and insurance
- Questions 26-50
- Download and print if absent
- Video
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
- Objective: List and define basic tax terminology; Prepare tax forms.
- Chapter 3 Project
- Test: The Does Form 1040
- Use form 1040 from 2021
- Use the tax tables for 2021
- Test: The Does Form 1040
- 2022 IRS Tax Forms
- 2021 IRS Tax Forms
- 2020 IRS Tax Forms
- 2019 IRS Tax Forms
- 2018 IRS Tax Forms
- 2017 IRS Tax Forms
- 2016 IRS Tax Forms
- 2022 Tax Brackets
- 2021 Tax Brackets
- 2020 Tax Brackets
- 2019 Tax Brackets
- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
May 4
Chapter 3 Review
- Complete in Google Classroom
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
Use the tax table below
- Quiz: Tomeka Hunt Tax Return 1040EZ
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
- Objective: List and define basic tax terminology; Prepare tax forms.
- Chapter 3 Project Pages 24-26
- James O'Leary 1040 printable
- Video Explanation
- Use 2022 Tax Tables in the 2022 Instructions Below
- Chapter 3 Project
- Chapter 3 Project
- Melissa and Michael Anderson 1040A
- Use 2022 Tax Tables in the 2022 Instructions Below
- Chapter 3 Project
- 2022 IRS Tax Forms
- 2021 IRS Tax Forms
- 2020 IRS Tax Forms
- 2019 IRS Tax Forms
- 2018 IRS Tax Forms
- 2017 IRS Tax Forms
- 2016 IRS Tax Forms
- 2022 Tax Brackets
- 2021 Tax Brackets
- 2020 Tax Brackets
- 2019 Tax Brackets
- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
April 26
Chapter 3: Taxes
- Objective: List and define basic tax terminology; Prepare tax forms.
- Submit Page 23: Ronald Mitchell 1040
- How much taxes would be collected (write next to line 10) using 2022 tables.
- 2022 IRS Tax Forms
- 2021 IRS Tax Forms
- 2020 IRS Tax Forms
- 2019 IRS Tax Forms
- 2018 IRS Tax Forms
- 2017 IRS Tax Forms
- 2016 IRS Tax Forms
- 2022 Tax Brackets
- 2021 Tax Brackets
- 2020 Tax Brackets
- 2019 Tax Brackets
- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
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
- Objective: List and define basic tax terminology; Prepare tax forms.
- Worksheet Page 21
- Do not submit Page 21: Georgina Bales 1040
- How much taxes would be collected (write next to line 10) using 2022 tables in the 2022 Form 1040 instructions
- Video Explanation.
- Do not submit Page 21: Georgina Bales 1040
- 2022 IRS Tax Forms
- 2021 IRS Tax Forms
- 2020 IRS Tax Forms
- 2019 IRS Tax Forms
- 2018 IRS Tax Forms
- 2017 IRS Tax Forms
- 2016 IRS Tax Forms
- 2022 Tax Brackets
- 2021 Tax Brackets
- 2020 Tax Brackets
- 2019 Tax Brackets
- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
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.
- 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
- Objective: Understand the car buying process
- This is completed using the doc in Google Classroom.
- Pick a make and model of a NEW car.
- Go to the manufacturer's site and build it.
- Get a price.
- Upload a screenshot of the car you built
- When you are done building your car there will be an option to print your invoice. All you need is a screenshot that you can paste into the doc in Google Classroom. You can do this by clicking the "prt sc" key which copies the computer's display. You can then use CTRL + V to paste it in the correct table cell. You can use the Snipping Tool and copy and paste without saving the image. Or you can take a picture with your phone save it and then use Insert >> Image.
- Down Payment
- MSRP x 10%
- Trade In Value go to kbb.com. Your Trade in is a 2012 Volkswagen Jetta; Zip Code 89445; 110,000 miles; 2.5L SE Sedan 4D Standard Equipment; Gray; Good Condition
- Sales Tax Amount: you need to look up the sales tax rate for Humboldt County
- MSRP x Sales tax Rate for Humboldt County
- Total Amount Borrowed
- MSRP - Down Payment -Trade in Value + Sales Tax
- Registration Fees: Use http://dmvnv.com/ to get an estimate for your vehicle registration. Only submit the required (*) information.
- Find a Loan
- Look up an appropriate loan based on your credit. YOU HAVE NO CREDIT OR BAD CREDIT. You are only doing this to find a bank name to record in your Google Doc, a loan rate and term to use in the loan calculator. Change the zip code to 89445, the loan term to 60 months and the credit score to the lowest option. The image below is an example, yours may be different. Pick on of the banks and rates to use. Everyone should use 60 months to calculate your loan.
- https://www.bankrate.com/loans/auto-loans/rates/
- These are for reference only, use https://www.bankrate.com/loans/auto-loans/rates/
- https://www.bankrate.com/loans/auto-loans/rates/
- Look up an appropriate loan based on your credit. YOU HAVE NO CREDIT OR BAD CREDIT. You are only doing this to find a bank name to record in your Google Doc, a loan rate and term to use in the loan calculator. Change the zip code to 89445, the loan term to 60 months and the credit score to the lowest option. The image below is an example, yours may be different. Pick on of the banks and rates to use. Everyone should use 60 months to calculate your loan.
- Find an auto loan calculator
- http://www.calculator.net/auto-loan-calculator.html USE THIS ONE. Use the information you have found to fill out the loan calculator inlcuding the loan rate from the bankrate.com page. The arrows in the image below show all of the information you are finding or calculating that will be submitted in the form in Google Classroom.
- You will upload a screenshot of your results (like the one above) in the Google Doc.
- These are for reference only (use the one above)
- http://www.calculator.net/auto-loan-calculator.html USE THIS ONE. Use the information you have found to fill out the loan calculator inlcuding the loan rate from the bankrate.com page. The arrows in the image below show all of the information you are finding or calculating that will be submitted in the form in Google Classroom.
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
- Read the article and submit your response in Google classroom
Apr 14
Quiz: Chapter 14 Terms
Ch 10 p234 viewpoints: your attitude toward credit laws
- Read the brief passage and reply in Google classroom
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.
- 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
- Complete in Google classroom
Trump Bankruptcy
- Directions on using Grammarly to find your writing score.
- Read the doc titled Trump Bankruptcy in Google classroom and complete the form.
- Go to 23rd minute for Explanation
April 4
Test Chapter 10
- Complete in Google classroom
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
- Complete in Google classroom
- Explanation of functions
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.
- 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
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:
- http://finance.yahoo.com/
- IPO investing article
- Splits can also be found at https://www.stocksplithistory.com/ but you would still need to look up the historical prices.
- $1000 invested in WalMart
- $1000 invested in Apple
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
- 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
- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Perform some example problems as a class.
- Download pages 89-90
- Pages 89-90 Video
Feb 27
Chapter 9 Workbook Pages 87-88
- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Perform some example problems as a class.
- Download pages 87-88
- Pages 87-88 Video
Feb 24
Quiz Chapter 9 Terms
- Objective: Understanding how to use credit wisely and calculate the cost of credit.
Chapter 9 Workbook Pages 86
- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Perform some example problems as a class.
- Download Pages 85-86
- Page 86 video
Feb 23
Chapter 9 Workbook Pages 85
- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Perform some example problems as a class.
- Download Pages 85-86
- Page 85 video
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.
- 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.
- stability (length of time at a job or address),
- Monthly debt payments,
- Monthly income,
- bankruptcy (just subtract points for this),
- total assets,
- 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.



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.
- 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.
- What is the definition of usury?
- What is the usury rate for the State of Nevada?
- What is the federal funds rate (definition)?
- Who sets the federal funds rate?
- What is the prime rate (definition)?
- Who sets the prime rate?
- 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
- 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
- Use Chapter 7 Notes on Google Classroom
- If you're absent, Print pages 67-68
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.
- 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
- Objective: Calculate return on different types of bond investments
- Page 185-187
- Explanation video 1
- Print pages if absent
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.
- 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.
- Do this by finding a compound interest calculator online.
- Input their numbers for compounding $375 monthly over 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)
- Objective: Calculate return on different types of stock investments
- Video: Page 169 Calculating return on stock investments
- Print pages 169
Dec 13-14
Chapter 17 Workbook: Investing in Stocks (review of investing options from Unit 3)
- Objective: Calculate return on different types of stock investments
- Page 167-168 Calculating return on stock investments
- Some of these will be done together
- Video explanation for page 167-168
- Download pages 167-168
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
- Use Chapter 17 Notes on Google Classroom
- If you're absent, Print pages 165-166
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
PriceCurrent
Price% Inflation/
DeflationToyota 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
- 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.
- 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
- Objective: Calculate return on savings accounts and calculate compound interest.
- Explanation video
- Pages 57-58 Download here if absent
- Page 57 will be checked for completeness.
- Page 58 will be graded.
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.
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
- Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
- Factors to Consider When Investing
- https://www.investopedia.com/terms/i/investmentpyramid.asp
- https://www.investopedia.com/articles/basics/03/050203.asp
- Complete the Pyramid
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
- Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
- Investment options
- https://www.investopedia.com/terms/i/investmentpyramid.asp
- https://www.investopedia.com/articles/basics/03/050203.asp
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
- Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
- Savings options
- https://www.investopedia.com/terms/i/investmentpyramid.asp
- https://www.investopedia.com/articles/basics/03/050203.asp
- Notes Video 1
- Notes Video 2
- Notes Video 3
- Notes Video 4
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.
- Copy and paste the headline
- Copy and paste the url
- Maximum two sentence summary of the article in YOUR words.
- 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.
- HEADLINE:
- URL/ADDRESS:
- SUMMARY:
- 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 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
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
- You can use notes from class
- Complete in Google Classroom
Oct 18
Buy a fund
- Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
- Do at least some research. There are many sites but you can start at:
- Go to https://www.marketwatch.com/
- You will need to remember what you bought and some of the information about it for an assignment tomorrow.
- Spend a minimum of $10,000.
- You can sell something to get the money or buy on margin.
Oct 17-18
Mutual Fund Research in Google Classroom.
- Objective: Use the internet to find information about mutual funds and differentiate between types of funds
- Submit when done. Do not share it.
- You must research four funds.
- There are many sites to find mutual fund information, two of them are:
- Video
Oct 13-14
Notes on mutual funds
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/
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.
- Chrome OS To take a screenshot on a Chromebook:
- Press Ctrl + switch window. (For non-Chrome OS keyboards, press Ctrl + F5.)
- Your screenshot is saved as a PNG file in your "Downloads" folder.
- https://www.theverge.com/2020/1/14/21065295/chromebook-screenshots-how-to-take-keyboard-keys
- You can also complete this on your phone by taking a screenshot and completing the Google Form there
- Chrome OS To take a screenshot on a Chromebook:
- Go to Google Classrom to upload the image in the form for the assignment
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.
- 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
- Résumé Advice/Tips/Examples
- https://myfuture.com/career/creating-your-resume
- What your resume should look like
- https://www.forbes.com/sites/trudysteinfeld/2012/06/06/the-only-resume-advice-youll-ever-need/
- https://owl.english.purdue.edu/owl/section/6/23/
- https://www.thebalance.com/job-resumes-4073657
- https://resumegenius.com/resume-samples
- https://www.pinterest.com/
- Resume builders
- https://myfuture.com/career/resume-builder
- https://resumebuilder.indeed.com/: downloads as a PDF.
- https://www.jobscan.co/blog/top-10-free-resume-builder-tool-reviews/
- https://www.resume-now.com/resume/builder
- https://www.resume.com/
- https://app.resumegenius.com/resume-builder/start: this charges $
- Job Descriptions
- Objective
- Cover Letter
- Reference Letter
- General
- Samples
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.
- The chart must have appropriate titles, labels, and formatting.
- Video for this chart
- 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:
- TOTAL INCOME: all income sources added together using Auto Sum this is using the Sigma (Σ).
- TOTAL EXPENSES: all expenses added together using Auto Sum.
- MONTHLY SURPLUS: TOTAL INCOME-TOTAL EXPENSES
- ENDING BALANCE: BEGINNING BALANCE+MONTHLY SURPLUS
- % OF BUDGET: ACTUAL / BUDGET and change formatting to %.
- Video for functions 1
- Video for functions 2
- Video for final functions and formatting
- 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.
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
- Objective: Understand how decisions affect financial planning
- Notes
- Video day 1
- Video Day 2
- Video Day 3 Expenses for Budget
- Video Day 4 Expenses for Budget
- Complete handouts (Print if absent)
- Goal sheet
- Net Worth
- Income and Expenses
Sep 8
- 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
- We will go over the article together, briefly.
- Video Explanation
- Copy and paste the questions/statements below into an email.
- Answer the following:
- What is the Federal Reserve Bank?
- Name one thing the Federal Reserve does.
- Who is the chairperson?
- 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
- 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
- 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).
- Go to https://www.whatcareerisrightforme.com/
- NEXT YEAR
THIS ONE: https://www.123test.com/career-test/
- Video Explanation
- Complete the questionnaire. Use as much detail as possible.
- Select one of the career fields you are interested in.
- Use the Snipping Tool to capture the information and paste it into the body of an email. This will look something like:
- Send an email to yourself with the information you have copied.
- CC me on the email.
- The subject should be "Career Aptitude Test Results".
- Answer the following, does this match with something you would want to do? Why? Why not?
Sep 1
DUE: Math Worksheet Page 34
Make second purchase in Market Watch
- Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
- Spend about $5000 on one stock.
- It must be one of the companies included in the DJIA. To find one of these:
- Go to https://www.marketwatch.com/
- Click on Dow
- Scroll down and you will see components on the left side.
- Video Explanation
- Go to https://www.marketwatch.com/games/lowry-cf-2022-2023/ to purchase the stock.
- Complete the form in Google Classroom.
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
- Objective: Divide Decimals by Decimals
- Download and print if you are absent
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
- What is a good investment
- Take notes
- Day one video
- Day two Video
Assignment: Market Levels
- Complete in Google Classroom
- Video Explanation
Aug 23
IN CLASS: Go over stock quotes
- What is a good investment
- Take notes
- Day one video
- Day two Video
Aug 22
Course requirements/expectations
- Syllabus: parents must reply to the email to respinola@hcsdnv.com for verification of syllabus.
Student Syllabus Verification
- Complete in Google Classroom
Register for Market Watch
- Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
- Go to https://www.marketwatch.com/games/lowry-cf-2022-2023/
- Click Join Game.
- Sign up with Google.
- Click the game link again: https://www.marketwatch.com/games/lowry-cf-2022-2023/
- use the PW lowrycf2022!
Join Quizlet
- https://quizlet.com/join/NDcrvMe24?i=1ucocb&x=1rqt
- Use your real name for your Quizlet account so you can receive credit.