- respinola@hcsdnv.com
- 775.623.8130

- Consumer Finance Home
- Consumer Finance Assignments
- Stock Market Game
- Google Classroom
- Text Book Site
- Text Book on Google Books
- Course syllabus(PDF)
- Print this page

Consumer Finance Assignments (subject to change)

May 28

Quiz: Insurance in Nevada

- Objective: Understanding property insurance
- Complete in Google classroom.

Insurance in Nevada

- Objective: Understanding property insurance
- Go to the following pages and take handwritten notes to use on a quiz later.
- Show me when you are done.

Chapter 5 Test 1-35

- Objective: Understanding checking and savings account and reconciling.
- Questions are in in Google classroom.
- Use bubble sheet to complete.
- http://uat.profitstarscms.com/2591Jclearfield-dev/financial-education.htm

May 24

Ditch Day

May 23

Insurance in Nevada

- Objective: Understanding property insurance
- Go to the following pages and take handwritten notes to use on a quiz later.
- Show me when you are done.

May 22

Chapter 22 Worksheet p223

- Objective: Understanding auto insurance

Chapter 22 Worksheet p217-218

- Objective: Understanding auto insurance

May 21

Quiz 3 Types of auto insurance

- Objective: Understanding auto insurance

Chapter 22 Questions

- Objective: Understanding life and health insurance
- Complete as a class

May 20

DUE: Math worksheet pages 55

- Objective: Divide fractions and mixed numbers

Quiz 3 Types of auto insurance

- Objective: Understanding auto insurance

Chapter 22 Questions

- Objective: Understanding life and health insurance
- Complete as a class

May 17

Math worksheet pages 55

- Objective: Divide fractions and mixed numbers

May 16

Senior Class Meeting

Complete work from the week

May 15

Chapter 21 Worksheet

- Objective: Understanding risk management and insurance

- Pages 209-210
- Page 216
- Submit separately
- Use Chapter 21 Questions to complete

May 14

Chapter 21 Questions as a class

- Objective: Understanding risk management and insurance

May 13

Quizlet Chapter 21: Introduction to Risk Management

- Objective: List and define basic risk management terminology.
- 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 (Familiar and Mastered) of the items in the Learn area. Or, put another way, there cannot be more than 0 remaining.

May 10

Chapter 21 Questions as a class

- Objective: Understanding risk management and insurance

May 8-9

Chapter 3 Test

- Complete in Google Classroom
- This must be done in class.

Predatory lenders

- You will need to perform at least some research on the internet.
- Answer the questions at the bottom.
- Your response must be at least one paragraph in length for each.
- The normal rules of English apply.
- You CAN paraphrase from the information you find, but give proper attribution.
- DO NOT COPY AND PASTE.

- Complete in Google Classroom

May 7

Quiz

- Name one country the US is having problems with right now.
- What is the issue?
- Tell me something I don't know (school appropriate).

Tax return Quiz

- SHOW ME BEFORE YOU SUBMIT.
- Complete in Google Classroom

Article: Warren Buffett explains how you could've turned $114 into $400,000 with a simple long-term investment

- Complete in Google Classroom.
- Read the article.
- Answer the question at the bottom.
- Your response must be at least one paragraph in length.
- The normal rules of English apply.
- DO NOT copy and paste from the article.

May 6

Review Chapter 3

- Use notes in Google classroom
- Complete in Google classroom

May 2-3

Chapter 3: Taxes

- Objective: List and define basic tax terminology; Prepare tax forms.
- Chapter 3 Project
- Test: The Does 1040A

- 2018 Tax Brackets
- 2017 Tax in Google classroom
- Historical Tax Brackets
- 2017 IRS Tax Forms
- 2016 IRS Tax Forms

Apr 30

DUE: Chapter 3 Taxes: Worksheet Pages 19-20

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

Chapter 3: Taxes

- Objective: List and define basic tax terminology; Prepare tax forms.
- Chapter 3 Project
- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
- 2018 IRS Tax Forms 2017 IRS Tax Forms
- 2016 IRS Tax Forms

Apr 29

DUE: Chapter 3 Project

- Melissa and Michael Anderson 1040A
- Use The 2017 Form 1040A and Tax Tables

Chapter 3 Taxes: Worksheet Pages 19-20

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

Apr 26

Chapter 3: Taxes

- Objective: List and define basic tax terminology; Prepare tax forms.
- Chapter 3 Project
- Melissa and Michael Anderson 1040A
- Use The 2017 Form 1040A and Tax Tables

- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
- 2018 IRS Tax Forms 2017 IRS Tax Forms
- 2016 IRS Tax Forms

Apr 25

Chapter 3: Taxes

- Objective: List and define basic tax terminology; Prepare tax forms.
- Chapter 3 Project
- James O'Leary 1040A

- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
- 2018 IRS Tax Forms 2017 IRS Tax Forms
- 2016 IRS Tax Forms

Apr 23-24

Article: The average American's credit card debt may shock you

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

Quizlet Chapter 3: Taxes

- Objective: List and define basic tax terminology; Prepare tax forms.
- 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 (Familiar and Mastered) of the items in the Learn area. Or, put another way, there cannot be more than 0 remaining.

Apr 22

Chapter 3: Taxes

- Objective: List and define basic tax terminology; Prepare tax forms.
- Worksheet Pages 21-26
- Do not submit Page 21: Georgina Bales 1040EZ
- How much taxes would be collected (write next to line 10) using 2018 tables.

- Submit Page 23: Ronald Mitchell 1040EZ
- How much taxes would be collected (write next to line 10) using 2018 tables.

- Do not submit Page 21: Georgina Bales 1040EZ
- Chapter 3 Project
- James O'Leary 1040A

- 2018 Tax Brackets
- 2017 Tax Brackets
- Historical Tax Brackets
- 2018 IRS Tax Forms
- 2017 IRS Tax Forms
- 2016 IRS Tax Forms

Apr 19

Math worksheet pages 134

- Objective: Solve equations using multiplication

Apr 18-19

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

Apr 16

Senior plans in Google Classroom

- Complete in Google classroom

Stock splits

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Complete in Google classroom
- Find the value of a $5,000 initial investment in any TWO of the following companies.
- Pepsi, Nike, Disney, Microsoft, Intel, Ford, Merck, Exxon Mobil, 3M, 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 $5,000 would buy.
- Then find the stock splits over the trading history.
- The old prices and splits are available under the "Historical Data" link.
- Determine the number of shares you would now own and multiply times the current market price.
- Calculations must be done using formulas.
- Sites to use: http://finance.yahoo.com/

April 15

Quizlet Chapter 14: Buying and Owning a Vehicle

- Objective: Understand the process of buying and owning a car.
- 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 (Familiar and Mastered) of the items in the Learn area. Or, put another way, there cannot be more than 0 remaining.

Apr 4-5

Math worksheet pages 78

- Objective: Solve for a number with a known percent

Apr 3

**DUE: Build a car**

Chapter 14 Worksheet

- Objective: How to buy a car
- Pages 133-134
- Use notes in Google classroom to complete

Apr 2

**Build a car**

- Objective: How to buy a car
- Pick a make and model of a NEW car.
- Go to the manufacturers site and build it.
- Get a price.
- Print only one page for your car.
- On the back of the paper, record the make, model, price.
- Find a bank (https://www.nerdwallet.com) and get the loan terms appropriate for a young person with little or no credit. Sometimes you can also do this through the manufacturer's site.
- Use the http://dmvnv.com/ site to get an estimate for your vehicle registration.
- Look up an appropriate based on your credit.
- Find an auto loan calculator such as
- Record the following on the back of the printout of your car. Label each item.
- Make
- Model
- MSRP (Manufacturer's Suggested Retail Price including options)
- Down payment (calculate at 10%)
- Sales Tax Amount (Calculate using the rate for Humboldt County)
- Total amount borrowed (including sales tax)
- Total amount repaid (including interest)
- Total interest repaid
- Monthly payment
- Years to repay
- Interest rate
- Registration Fees

- Submit

Apr 1

Math worksheet pages 77

- Objective: Solve for a number with a known percent

Article: Nevada Minimum Wage

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Read the article and answer the three questions in Google Classroom

Mar 29

Last Day of Quarter-Make-up Day

Mar 28

Bankruptcy Quiz

Math worksheet pages 77

- Objective: Solve for a number with a known percent

Mar 26-27

Review Responses from yesterday

- Increase grade level of your responses to at least 10th grade using Word for all paragraphs.
- For everything you write, it is assumed you will do so following normal rules of English. This also includes the formatting of your response.
- Add a third response which also must be written at a 10th grade level.
- Why did the stock market go up/down yesterday?
- Include no more than one fact, quote, or actual information from the article.
- At least one paragraph (3-5 sentences).

- Add a fourth response which also must be written at a 10th grade level.
- Find an article about a company which has declared bankruptcy within the last year.
- Answer this question: Why did they file for bankruptcy?
- Include no more than one fact, quote, or actual information from the article.
- At least one paragraph (3-5 sentences).

Mar 25

Trump Bankruptcy

- Discuss and then complete in Google classroom
- Each response should be at least one paragraph (3-5 sentences).

Mar 22

Resume Quiz in Google Classroom

DUE: Chapter 10 Worksheet

- Objective: Understand the dangers posed with credit and what can be done to avoid them
- Pages 91-94
- Submit separately

- Use notes in Google classroom to complete

Mar 20-21

Quiz: Chapter 10

Chapter 10 Worksheet

- Objective: Understand the dangers posed with credit and what can be done to avoid them
- Pages 91-94
- Submit separately

- Use notes in Google classroom to complete
Quizlet Chapter 10: Problems with Credit

- Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
- You must complete 24 total in the Learn section before taking the test. This means to receive a grade for the test you must show that you covered at least 24 (Familiar and Mastered) of the items in the Learn area. Or, put another way, there cannot be more than 20 remaining.

Chapter 10

- Objective: Understand the dangers posed with credit and what can be done to avoid them
- Section 2 Notes: Bankruptcy

Mar 18-19

Complete work from last week (See below)

Mar 15

Article: These are the top US exports

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Read the article and answer the two questions in Google Classroom

Math worksheet page 56

- Objective: Dividing fractions and mixed numbers

Mar 14

Redo Written portion of Interest Calculations from March 11

Mar 13

Chapter 9 Test

- Complete in Google classroom

Chapter 9 Written Test

Mar 11-12

DUE: Interest Calculation Quiz 3

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

Interest Calculations

- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Complete in Google Classroom
- Use formulas to complete the shaded areas of the Google Sheet.
- Complete the remainder of the work on paper.

Mar 8

Interest Calculation Quiz 3

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

Interest Calculation Worksheet

- Objective: Using I=PRT calculate loan terms and compound interest
- Numbers 1-2 will be completed in Google Classroom.
- Each of the shaded cells must contain a formula.

Mar 7

Grade and Fix Chapter 9 Workbook Pages 89-90

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

Interest Calculation Quiz 3

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

Mar 6

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.

Mar 5

Finish previous work

Mar 4

DUE: Chapter 9 Workbook Pages 87-88

Quiz 2: Interest Calcluation

Usury and Interest Rates

- Send an email to respinola@hcsdnv.com addressing the topic below. Use the subject "Your name Usury and Rates".
- Find and submit the following information. Copy and paste the following questions into your email.
- Type your answer following each question.
*e.g., What is the best sports franchise? The New York Yankees.* - If you copy and paste from the internet, 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?

Mar 1

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.

Feb 28

Chapter 9 Costs of Credit Quiz

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

Complete Thought Exchange Survey

- Exchange Links There are a number of ways to access a Thoughtexchange: Click the link to gain direct access to a specific exchange
- Go to my.thoughtexchange.com/join and enter the appropriate 9-digit code
- Participate via Web Messaging App in the language of your choice: To participate in any language, text ‘Hello’ in your preferred language to the phone number 728-55 and enter the 9-digit code xxx-xxx-xxx.
- Albert Lowry High School 9-digit code: 179396295
- English https://my.thoughtexchange.com/?lang=en#179396295
- Spanish https://my.thoughtexchange.com/?lang=es#179396295

Feb 26-27

Chapter 9 Workbook Pages 85-86

- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Perform some example problems as a class.

Quizlet Chapter 9: Cost of Credit

- Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
- The link to Quizlet is posted in Google Classroom
- You must complete 50% of the Learn section and the test. This means to receive a grade for the test you must show that you covered at least 50% (Familiar and Mastered) of the terms in the Learn area.

Feb 25

Chapter 9 Workbook Pages 85-86

- Objective: Understanding how to use credit wisely and calculate the cost of credit.
- Perform some example problems as a class.

Article: 02-05-19 What the new House bill to expand Social Security could mean for you

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

Feb 22

Chapter 9 Notes:

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

Chapter 9 Workbook Pages 83-84

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

Feb 21

Complete loan applications with provided information

- Submit

Feb 14-20

Create Loan application-See requirements Feb 13

- Objective: Create a loan applciation that evaluates the 5 Cs of credit in a spreadsheet

Feb 13

Chapter 8: Credit Records and Laws

- Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
- Basic interest calculations as a class.

Complete Notes: 5 Cs of credit

- Objective: Understand how creditors determine creditworthiness
- Ratings, Point Systems, and Legal Protection
- Brainstorm for ways to evaluate 5 Cs on a loan application.
- Create the application in Google Classroom.
- Include at least the following sections
- Personal information
- Current and previous address
- Current previous employer
- Income
- Current debts and payments (include who it is owed to, amount owed and monthly payment)
- Assets
- References

- Create a point system to determine credit worthiness. This must evaluate stability (length of time at a job or address), debt payments, income, bankruptcy, etc.
- They must be a maximum of one page.
- Share and print when you are done.

Feb 12

FINISH Chapter 8: Credit Records and Laws

- The link to Quizlet is posted in Google Classroom
- You must complete 50% of the Learn section and the test. This means to receive a grade for the test you must show that you covered at least 50% (Familiar and Mastered) of the terms in the Learn area.

Math worksheet page 49

- Objective: Adding Fractions and Mixed Numbers
- Show your work on the back of the page.

Feb 11

Chapter 8: Credit Records and Laws

- The link to Quizlet is posted in Google Classroom
- You must complete 50% of the Learn section and the test. This means to receive a grade for the test you must show that you covered at least 50% (Familiar and Mastered) of the terms in the Learn area.

Feb 8

Chapter 8: Credit Records and Laws

- Complete using Quizlet

Feb 7

Notes: Credit Laws

- Objective: Understand how creditors determine creditworthiness

Quiz: 5 Cs of credit Google classroom

Feb 6

Notes: 5 Cs of credit

- Objective: Understand how creditors determine creditworthiness

Feb 4

Math worksheet page 48

- Objective: Adding Fractions and Mixed Numbers
- Show your work on the back of the page. 2

Feb 1

Credit Cards (online)

- Objective: Understand types of credit cards.
- Complete in Google classroom
- Use the Internet to find five different credit cards 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.bankofamerica.com/; http://www.hcunv.org/; or https://www.chase.com/.
- Two sites that provide information from multiple sources are https://www.nerdwallet.com/ and http://www.bankrate.com/.
- Record the Institution (issuer), APR (not the intro rate), Fee, Grace Period, and Class/Type.
- You will need to go to the terms and conditions.
- The grace period may be under how to avoid paying interest.
- DO NOT change the formatting of the table.

Jan 30

Notes: Chapter 7: Credit in the US

- Objective: Understand types of credit and its role in the US.

Quizlet

- Go to the set for Chapter 7: https://quizlet.com/_6167pv
- You must be logged in for it to record your progress.
- The total of Mastered and Familiar must be at least 40 before taking the test for the learning for Chapter 7. Show me when you reach this.
- Take the test. Show me the result.

Jan 29

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

- Objective: Calculate return on different types of bond investments
- Page 185-187

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- We are starting over in Market Watch, sell all the stock you own.
- Go to Google classroom and complete the evaluation.

Jan 28

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

- Objective: Calculate return on different types of bond investments
- Page 185-187

Jan 25

Last day of the Semester: Makeup

Jan 24

Discuss

- Article: Cardi B demands to know where her taxes go—here's the answer
- Complete in Google classroom

Jan 23

Math Worksheet Page 41

- Objective: Divide improper fractions
- Multiply whole numbers, Page 41

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

- Complete in Google classroom

Jan 18-22

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

- Objective: Calculate return on different types of bond investments
- Page 183-184
- Go to quizlet and take the test after reviewing.
- Chapter 18 Notes on Google Classroom

Jan 16-17

Quiz: Calculating Return on Investment

- Objective: Calculate return on different types of bond investments

Jan 15

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

- Objective: Calculate return on different types of stock investments
- Page 169 Calculating return on stock investments

Jan 14

Finish work from Friday

Jan 11

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

What's wrong with the math?

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Read the article. It is a typical post that circulates on social media.
- Send an email discussing what is wrong with the premise of the post. Focus on what is wrong with their math. You MUST prove their math is wrong.
- The subject of the email must be "your name math".
- The usual standards apply.
- Spelling, grammar and punctuation check.
- State in your words. Do this by paraphrasing. Do not copy and paste. Do not quote directly. But you must still attribute.

Jan 9-10

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
- Page 165-166 Fill-in, True/False and Multiple Choice
- Chapter 17 Notes on Google Classoom

Jan 7

Sell all holdings

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- In Market Watch, sell all stock you own.
- 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 we have learned in class.
- Use something from the stock quote but not the chart.
- This means state a reason for the purchase. More than, "It seems like a good company."
- Use the subject "Your name stock 1/7".

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

- Objective: Calculate return on different types of stock investments
- Page 165-167
- Chapter 17 Notes on Google Classoom

Dec 21

- Objective: Increase understanding of the concepts of banking, 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:
- What is the Federal Reserve Bank?
- Name one thing the Federal Reseve does.
- Who is the chair?
- 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 "Your name Fed"

Dec 19-20

Chapter 16 Workbook Pages 157-159

- Objective: Distinguish investment and savings options

Dec 18

Article

**Objective: Increase understanding of the concepts of banking, investments, and financial markets**- Read the Article: Black Friday, Cyber Monday Sales Hit Another High, But It's Not Time To Celebrate Yet
- Complete in Google classroom

Compound Interest quiz 2

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

Dec 14-17

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 Ssheets " and complete in Google classroom

Makeup missing assignments when finished

Dec 13

Compound Interest quiz 1

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

Dec 11-12

Chapter 6 Workbook: Saving for the Future

- Objective: Calculate return on savings accounts and calculate compound interest.
- Page 57-58

Dec 7-10

Chapter 6 Workbook: Saving for the Future

- Objective: Increase understanding of the concepts of the economy, banking, investments, and financial markets
- Pages 53-58
- On pages 55-56 write at least two items for each section in the left column.
- Submit pages separately.
- Use notes in Google classroom to complete

Dec 5

Unit 3 Test: Multiple Choice Section

- Use Google Classroom

Unit 3 Test: True False Section

- Use Google Classroom

Dec 4

Math Worksheet Page 42

- Objective: Express fractions in Lowest Terms
- Multiply whole numbers, Page 42

Dec 3-4

How time affects the value of money investing

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

Nov 30

Complete work from the week

Nov 29

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Read:
**Sorry, Seniors, You Didn't Pay for (All of) That** - Answer the following: What can be done about Social Security and Medicare to secure it for your generation?
- 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.

- Send me an email to respinola@hcsdnv.com answering the above. Use the subject "Your name Social Security"

Chapter 17 Workbook: Investing in Stocks

- Objective: Calculate return on different types of stock investments
- Page 167-169

Chapter 18 Workbook: Investing in Bonds

- Objective: Calculate return on different types of bond investments
- Page 185-187

Nov 27

Unit 3: Lesson 2: Inflation

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

- You must turn it in, in Google Classroom. DO NOT submit it before completing the second part of the assignment. Check with me before doing so.

- 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.

Product 1999

PriceCurrent

Price% Inflation/

DeflationToyota Camry LE 17,518.00 1 Gal. Reg. Gas 1.30 Newspaper-Humboldt Sun .50 29" Color TV 4000.00 1st Class Stamp .33 iPhone 599.00 One pound of Hamburger 1.38 Nike Basketball Shoe-Top of the Line 150.00 Jeans Levi 505's 36.99 Movie Ticket 5.00 Milk 1 Gal. 2.88

Nov 26

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

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Complete in Google Classroom
- Find the information from two different financial institutions.

Nov 19-21

Unit 3 Review on Paper (divide into two sections savings and investing)

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

Nov 19

Notes Unit 3 Savings and Investment Choices

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

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

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Page 165-166

Chapter 18 Workbook: Investing in Bonds (intro or review of investing options from Unit 3)

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Page 183-184

Nov 15-16

Minimum Wage in Seattle

**Objective: Increase understanding of the concepts of banking, investments, and financial markets****Read the Article: Seattle is a guinea pig for $15 minimum wage. Here's what the latest research shows**- Complete both of the following:
- Raising the minimum wage to $15/hour is good for me and the US economy in general because...
- Raising the minimum wage to $15/hour is NOT good for me and the US economy in general because...

- Use at least one FACT for each.
- does raising minimum wage raise inflation: https://goo.gl/8fn6iM
- does raising minimum wage increase unemployment: https://goo.gl/FYZ7Zm
- Send me an email completing each of the above statements. This means copy and paste the statements into your email but DO NOT copy and paste from the article.
- Use the subject "Your name minimum wage".

Buy/Sell a company

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- In Market Watch, spend the remainder of your money.
- Do not exceed $100,000 total investment.
- Do not exceed more than $10,000 in any one investment.
- Remember, you can also buy mutual funds.
- Send me an email stating what you bought and why.
- This means state a reason for each purchase. More than, "It seems like a good company."
- Use the subject "Your name stock 11/16".

Nov 13-14

Notes Unit 3 Savings and Investment Choices

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

Chapter 6 Workbook: Saving for the Future

- Objective: Calculate return on savings accounts and calculate compound interest.
- Page 57-58

Nov 9

Worksheet

- Objective: Calculate equations using fractions and mixed numbers
- Adding and subtracting fractions, Page 43

Nov 8

College and Career Fair

Nov 7

Notes Unit 3 Savings and Investment Choices

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

Chapter 6 Workbook: Saving for the Future (Intro to savings options)

- Pages 53-54
- On pages 55-56 write at least two items for each section in the left column.
- Submit pages separately.
- Use notes in Google classroom to complete

Nov 6

Mutual Fund Quiz

- You can use notes from class
- Complete in Google Classroom

Written Test: Mutual Funds

Nov 2

Mutual Fund worksheet

- Chapter 19
- Work in pairs. Only turn in one paper.
- Use these notes https://drive.google.com/open?id=0BxCfAw1LOGNWaEhldlR1UVFrZGM

Oct 31-Nov 1

Makeup Days

- Grades are due on Friday

Oct 29-30

Complete 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.
- There are many sites to find mutual fund information, two of them are:

Math Worksheet Page 9

- Objective: Multiply whole numbers
- Multiply whole numbers, Page 9

Buy a fund

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Do at least some research. There are many sites but you can start at:
- Spend about $10,000.
- Show me your portfolio.
- http://www.marketwatch.com/game/

Oct 25

Quiz on Notes on mutual funds

- Objective: Understand different types of mutual funds.

Oct 24-25

Notes on mutual funds

- Objective: Understand different types of mutual funds.

Chapter 16 Workbook Pages 157-159

Oct 23

Article: Investing Advice

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

Complete work from Oct 22

Oct 22

Quiz: How financial Markets Work

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

Check your investments

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Do at least some research.
- Invest at least $50,000 total. NOT ALL OF IT IN ONE COMPANY.
- Spend about $5000-10,000 for each company you buy.
- http://www.marketwatch.com/game/

Oct 18-19

Notes: Unit 2 How financial Markets Work

- Objective: Increase understanding of financial markets
- Take Notes using the handout

Oct 16

Unit 2 Handout in Google Classroom

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

Extra Article: Securities Fraud

- Find an example of securities fraud from a news article and send me an email with a brief summary of what happened.
- Two sentences maximum.
- In your own words.

- Use the subject "Your Name Fraud"

Oct 12-15

Math Worksheet Page 34

- Objective: Divide Decimals by Decimals

Quiz: Financial Planning

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

Oct 11

Notes: Unit 1 Financial Decisions

- Objective: Understand how decisions affect financial planning
- Take Notes

Complete Budget and Charts

- Objective: Understand how decisions affect financial planning

Oct 10

Complete Budget

- Objective: Develop a household budget
- Add another chart which plots the Actual Expenses for one of the months.
- Add approporiate labels, titles and formatting to change the chart from default settings.

Check your investments

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Do at least some research. Show me you have at least five companies in your portfolio
- Spend about $5000 if you need to buy another company.
- http://www.marketwatch.com/game/

Oct 9

Aid Impact forms

Oct 2

Elon Musk and his effect on the price of Tesla stock

Complete work from Monday

Oct 1

Complete work from Friday

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Go to http://money.cnn.com/data/us_markets/
- Select one company from the Health Services sector (they are listed on the lower left side of the page).
- Choose one of the companies to invest in.
- 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 "Your Last Name 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.

Budget

- Objective: Develop a household budget
- See the directions from September 25.
- Since we have not covered all of the expenses, you only need to type in the category names for now and we will add the numbers on Tuesday.
- Complete in Google Classroom

Sep 28

Article: Household Income

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- 09-25-18 Median U.S. household income rises 1.8 percent to record $61,400 in 2017
- Complete in Google Classroom

Sep 25

Resume Quiz in Google Classroom

Notes: Unit 1 Financial Decisions

- Objective: Understand how decisions affect financial planning
- Notes
- Complete handouts
- Goal sheet
- Net Worth
- Income and Expenses

Chapter 6 Workbook: Saving for the Future

- Page 55-56

**Budgeting**

- Objective: Develop a household budget
- Go over average expenditures, take notes to develop personal budget. WE WILL CONTINUE THIS ON TUESDAY.
- 2016 Average Household Expenses
- 2015 Average Household Expenses
- 09-13-16 Average Household Budget
- In Google Classroom open the budget file and begin creating your budget.
- Only use three months.
- Input the budgeted items using the numbers we came up with in class.
- You can use the income categories from your notes and/or the example budget below.
- 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.
- The whole budget is linked together using formulas. So if your income is changed in September, it changes the ending balance for November.
- Format the text and cells to change the appearance; make it look good.
- FORMULAS:
- TOTAL INCOME: all income sources added together using Auto Sum.
- 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

- Insert a chart that tracks your ending balances.

Sep 24

DUE: Letter of Recommendation

Math Worksheet Page 30

- Objective: Multiply whole numbers
- Multiply decimals, Page 30

Sep 20

Letter of Recommendation

- 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).
- Use the examples below as well as those shown in class to write a letter of recommendation for yourself.
- Use block format.
- You can use the letterhead in Google Classroom.
- Please save a copy in your personal Google Drive.
- Have the person next to you proofread it.
- To submit it share it with me; respinola@hcsdnv.com

Reference Letter

- https://www.thebalance.com/reference-letter-for-employment-example-and-tips-2058720
- https://www.monster.com/career-advice/article/sample-letter-of-recommendation
- https://www.thebalance.com/reference-letter-format-2062929
- https://www.thebalance.com/reference-letter-samples-for-students-2062950

Sep 19

News

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Find a recent article about a company.
- Submit via email, one paragraph saying how you think the news will affect the company's stock.
- Use the subject, "your name news".
- For example, this story (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.

- Objective: Increase understanding of the concepts of banking, investments, and financial markets
- Find a certain sector of the economy and invest in a the company.
- Go to http://money.cnn.com/data/us_markets/
- Go to https://finance.yahoo.com/industries
- Select one of the industries to find companies that are in it.
- Choose one of the companies to invest in.
- http://www.marketwatch.com/game/
- Copy and paste the following into your email.
- Sector/Industry Definition:
- Company:
- Sector/Industry:
- Reason:

- Send the email to respinola@hcsdnv.com.
- Use the subject "Your Last Name Sector".
- You must specifically mention one item from the stock quote as a reason for making the purchase.

Sep 18

Résumé

- 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).
- Use rubric to evaluate résumés.
- Edit, finalize and share resume with me through Google Docs.

Sep 17

Worksheet

Objective: Divide whole numbers

- Divide whole numbers by one digit divisors, Page 10

Résumé

- Print and submit

Sep 12

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).
- Cover resume structure
- What to include and not
- Save it in Google Docs as "your last name resume"
- Print a copy
- Share with me when completed

Resources

Sep 11

Find a possible career

- Go to https://www.whatcareerisrightforme.com/
- Complete the questionnaire.
- Select one of the career fields you are interested in.
- Use the Snipping Tool to capture the information and pasteit 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 YOUR NAME Career Aptitude Test Results.

Sep 10

Quiz: Stock Quotes

- Use your notes.
- Complete in Google Classroom.

Complete any missing work from last week

Sep 7

- Spend about $5000 on one stock
- DO NOT invest in a company which is part of the DJIA..
- Send me an email explaining why you made the investment. respinola@hcsdnv.com.
- Use the subject "Your Last Name Stock 2".
- You must specifically mention one item from the stock quote as a reason for making the purchase.

Sep 6

Stock Quotes

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

- Look up the quotes for 5 companies and record the following:
- Do not include companies listed in the DJIA.
- Name, ticker, price, PE ratio, EPS, annual chart trend (up or down), year range, explain briefly if you think it's a good investment or not.

- Record information in the form in Google Classroom

Sep 5

Go over stock quotes

- What is a good investment
- Take notes

Article: 08-31-17 Wells Fargo uncovers up to 1.4 million more fake accounts

- See directions in Google classroom

Sep 4

Finalize first investment and send email...see below.

Aug 30-Sep 3

Review stock quotes

- What is a good investment

Register for Market Watch

- Use the information and directions below to join the game.
- URL for your game:

http://www.marketwatch.com/game/ - Password for this private game:
- Click on the '
**Join Now**' button to get started. - Follow the instructions and start trading

- URL for your game:

Aug 29

Brief introduction to stock...videos

- What is a Stock Index?

Go over stock quotes

- What is a good investment
- Take notes

Aug 28

Go over stock quotes

- Take Notes

Brief introduction to stock...videos

- What is Stock
- How the Stock Market Works for Dummies

Register for Market Watch

- https://www.marketwatch.com/game/consumer-finance-18-19
- Spend about $5000 on one stock
- It must be one of the companies included in the DJIA.
- Send me an email explaining why you made the investment. respinola@hcsdnv.com. Use the subject "Your Last Name Stock 1". Include at least two reasons.

Aug 27

Course requirements/expectations

- Syllabus: parents must send email to respinola@hcsdnv.com for verification of syllabus

Extra: What are NASDAQ/DJIA/and Price of Gold

.

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