Consumer Finance Assignments (subject to change)

Google Meet

Google meet-real time help (Not an assignment)

Classes will be streamed using the Meet link in Google Classroom. In addition, a video of the class will be posted on this page for notes, explanations, demonstrations etc. Class Meet: go to Google Classroom.

Building Credit Without Credit Cards

Article

Retirement Calculator

  • Objective: plan for retirement
  • Go to: https://www.bankrate.com/calculators/retirement/retirement-plan-calculator.aspx
  • Adjust the vairables to REALISTIC numbers for you. Click the queston mark to see an explanation for the variables.
  • Some of them are required.
    • Age of retirement: The age of retirement and Years of retirement income must total 80 which is about the average life expectancy for Americans. This means that if you want to retire at 55 you must input 25 for years of retirement income. If you want to retire at 60 then you need 20 years of retirement income. If you want to retire at 70 do not input 45 years of retirement income; 70 + 45 does not equal 80.
    • Annual household income: $24,960 (this is based on a full time job at $12/hour)
    • Expected income increase: 3%
    • Investment returns, inflation and Social Security must be unchanged.
  • The example below is wrong because the money runs out at age 53. You must have money until you are 80.
    bankrate calculator 1
  • If your numbers do not work, you can click on VIEW REPORT to get ideas on what can be changed.
  • When you numbers work, and are REALISTIC, take a screenshot of your results. You do not need to include the chart. DO NOT send this through email. DO NOT attach it to the doc. DO NOT input a link. DO follow the directions.
  • Paste the screenshot 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 send it to yourself and then use Insert >> Image.
  • Answer the question in the doc in Google Classroom.
  • SUBMIT IT DO NOT SHARE

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

Math worksheet pages 78

  • Objective: Solve for a number with a known percent

Identity Theft

June 4

Ditch day 2?

Quiz Types of homeowners insurance (written)

  • Objective: Understanding auto insurance

June 3

Quiz Chapter 5 Terms

June 2-3

Chapter 5 Test 1-35

June 1

Quiz Types of auto insurance (written)

  • Objective: Understanding auto insurance

Chapter 23: Health and Life Insurance

  • Objective: Understanding health insurance terms
  • Complete p225 together

Chapter 5 Test 1-35

May

Quiz: Insurance in Nevada

  • Objective: Understanding property insurance
  • Use your handwritten notes. This must be done in class. Submissions from home will not be accepted.
  • Complete in Google classroom.

May 31

Banking Is Check Set

SKIPPED 2021-2022 Chapter 22 Worksheet p217-218

  • Objective: Understanding auto insurance
  • You must show your notes, at least one page of handwritten notes, to receive this assignment.

May 27

Ditch Day?

May 26

Insurance in Nevada

May 25

Chapter 22 Worksheet p223

  • Objective: Understanding auto insurance

Quizlet Chapter 22 Property and Liability Insurance

  • Objective: List and define basic risk management terminology.
  • 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.
  • 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.

May 24

Chapter 22 Questions

May

Chapter 22 Questions

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

May

SKIPPED 2021-2022 QUIZ: Chapter 21 Worksheet

  • Objective: Understanding risk management and insurance
  • Pages 209-210
  • Must complete in class.

SKIPPED 2021-2022 Math worksheet pages 55

  • Objective: Divide fractions and mixed numbers

May 23

Quizlet Chapter 21: Introduction to Risk Management

  • Objective: List and define basic risk management terminology.
  • 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.
  • 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.

May

SKIPPED 2021-2022 QUIZ: Chapter 21 Questions 1-25

  • Objective: Understanding risk management and insurance
  • Write answers on your own sheet of paper.
  • Use notes in Google Classroom only
  • Use CAPITAL (A, B, C, D) letters only for your answers.

May 20

Chapter 21 Worksheet

May

SKIPPED 2021-2022 Chapter 3 Test

  • Complete in Google Classroom
  • This must be done in class. If you are absent, you must schedule a time to take it in class.

May 19

Chapter 21 Questions as a class

May 18

Complete work from yesterday

Math worksheet pages 134

  • Objective: Solve equations using multiplication

May 17

Review Chapter 3

Quiz: Humboldt Ford speakers

  • Use PowerPoint from May 12

May 13-14

DUE: The Does tax return

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 12

Guest Speaker from Humboldt Ford

  • There might be a quiz over the notes in Google Classroom
  • PowerPoint

May 11

Chapter 3: Taxes

May 9-10

Chapter 3: Taxes

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

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

Tax return Quiz

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

May 5-6

Chapter 3: Taxes

May 4

Chapter 3: Taxes

May 3

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 2

Chapter 3: Taxes

Chapter 3 Taxes: Worksheet Pages 19-20

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

Apr 29

Quiz Terms Chapter 3

Chapter 3: Taxes

Apr 27-28

Quizlet Chapter 3: Taxes

  • Objective: List and define basic tax terminology; Prepare tax forms.
  • 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.
  • 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.

April 26

Missing Assignments Reports

Math worksheet pages 78

  • Objective: Solve for a number with a known percent

April 22-25

Quiz Chapter 14 Terms

Buying a car

Apr 21

Quizlet Chapter 14: Buying and Owning a Vehicle

Chapter 14 Worksheet

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

April 20

Quizlet Chapter 14: Buying and Owning a Vehicle

  • Objective: Understand the process of buying and owning a car.
  • 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.
  • 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.

Humboldt Ford Questions

  • Submit at least one question you would want to ask about buying a car.
  • Read the directions in Google Classroom

Apr 19

Dave Ramsey video on Bankruptcy

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

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

Senior Video

April 18

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

Senior Video

April 15

Test Chapter 10: Written

Senior Video

April 14

Test Chapter 10

Directions

April 13

Chapter 10 Worksheet

  • Objective: Understand the dangers posed with credit and what can be done to avoid them
  • Pages 93-94
    • Submit each page separately
  • Use notes in Google classroom to complete

Math worksheet pages 77

  • Objective: Solve for a number with a known percent
  • You must show the equation and at least one step to get credit.

Apr 12

After Graduation Plans in GC

Trump Bankruptcy in GC

Apr 11

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

Trump Bankruptcy

April 1

Complete p91-92

Email

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

Mar 31

Quiz: Chapter 10 Terms

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
  • Must be completed in class
  • Use notes in Google classroom to complete

Mar 30

Complete Chapter 10 Quizlet

Bankruptcy by Wall Street Survivor video and quiz

Mar 29

Chapter 9 Quiz Costs of Credit

Quizlet Chapter 10: Problems with Credit

  • Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
  • Complete Chapter 10: Problems with Credit
  • 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.
  • 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.

Mar 28

Chapter 9 Interest Calculations using Google Sheets

Complete Interest Calculation Quiz 3

Mar 24-25

Complete work from Yesterday

Interest Calculation Quiz 3

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

Mar 23

Quiz: 5 Cs of Credit and credit laws on GC (should be with Chapter 8, Feb 25)

  • Use notes

Chapter 9 Test: Cost of Credit (should be with Chapter 9, Mar 9)

  • Use notes

Mar 17-18

Create charts

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

Mar 17-18

Stock splits

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

Mar 15

Interest Calculations Worksheet 1

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

Mar 14

Chapter 9 Workbook Pages 89-90

Mar 10

Interest Calculations Quiz 2

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 9

Quiz: Chapter 9 Terms

Complete Chapter 9 Workbook Pages 87-88

Chapter 9 Test: Cost of Credit

  • Use notes

Mar 8

Chapter 9 Workbook Pages 87-88

Mar 7

Complete work from last week

Mar 4

Quizlet Chapter 9: Costs of Credit

  • Objective: Understand how creditworthiness is determined and the laws associated with the use of credit.
  • Complete Chapter 9: Costs of Credit on Quizlet
  • Complete on Quizlet. If you have not joined the Quizlet class scroll down to Oct 29.
  • You must complete the Learn section before taking the test. You cannot have any terms left in Remaining or Familiar. This means to receive a grade for the test, Remaining and Familiar must be 0.
  • 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.

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

Mar 1-3

Chapter 9 Workbook Pages 85-86

Mar 1

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 as a class.
  • Download and print if absent

Feb 28

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

Feb 25

Loan Application

  • Complete loan app with provided information.
  • Use remainder of class to make changes and reprint.

Feb 24

Loan Application

  • Ten minutes to finish and print.
  • Complete loan app with provided information.

Quiz: 5 Cs of Credit and credit laws on GC

  • Use notes

Feb 16-18

Loan Application

  • Objective: Understand how creditors determine creditworthiness. Increase understanding and utilization of spreadsheets.
  • Video Explanation of Loan app and Point system
  • 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 evaluate:
    1. stability (length of time at a job or address),
    2. Monthly debt payments,
    3. Monthly income,
    4. bankruptcy (just subtract points for this),
    5. total assets,
    6. total debt.
  • When printed, they must be a maximum of one page. The point system should be on its own page.
  • If you are working from an example, DO NOT include information we did not cover in class.
  • Appearance/Formatting matters.
  • The information to complete the application will be provided in class. DO NOT FILL OUT THE APPLICATION.
  • Before turning it in you must handwrite the following in the top margin of the application:
    • Score: using your point system.
    • Net worth: Assets -Liabilities
    • Disposable income: Monthly income - Monthly payments
  • Submit and print the app and point system when you are done.

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

Feb 15

Notes: 5 Cs of credit

Feb 14

Quiz: Chapter 8 Terms

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 Advanced on the left, click Accessibility, turn on Live Captioning.

Feb 10-11

Missing Assignments Reports

DIGITAL: 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.
  • 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.
  • 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 9

Chapter 7 p67-68 with Notes: Credit in the US

  • Objective: Understand types of credit and its role in the economy
  • Complete pages 67-68 using only notes
  • Must be done in class.

Feb 8

Quiz: Notes: Chapter 7: Credit in the US

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

Math Worksheet Page 41

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

Feb 7

Article: Minimum Wage in Seattle

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Discuss minimum wage
  • Read the Article: Seattle is a guinea pig for $15 minimum wage. Here's what the latest research shows
  • Complete both of the following:
    1. Raising the minimum wage to $15/hour is good for me and the US economy in general because...
    2. 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.
  • Additional info
  • Send me an email completing each of the above statements (numbers 1 and 2). This means copy and paste the statements into your email but DO NOT copy and paste your facts. Your answers must be based in fact NOT YOUR OPINION.
  • Write one paragraph (3-5 sentences) for each.
  • Use complete sentences and proper English.
  • Use your own words.
  • Use the subject "minimum wage".

Feb 4

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 following questions into your email.
  • Type your answer following each question not on the line below it. e.g., What is the best sports franchise? The New York Yankees.
  • Use complete sentences and proper English.
  • If you copy and paste from the internet (which is OK for this except for number 7), make sure all of the text has the same format. It should not look like this: What is the best sports franchise? The New York Yankees.
    1. What is the definition of usury?
    2. What is the usury rate for the State of Nevada?
    3. What is the federal funds rate (definition)?
    4. Who sets the federal funds rate?
    5. What is the prime rate (definition)?
    6. Who sets the prime rate?
    7. Why are the two rates (fed funds and prime) above important?

Feb 2-3

Notes: Chapter 7: Credit in the US

Notes: Chapter 8: Credit Records and Laws

Nerd Wallet 2021 household debt study

Feb 1

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 28

How time affects the value of money

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • 2020-2021 Video: Go to 6:30
  • 2021-2022 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 27

Quiz: Chapter 7 Terms

Quiz: Chapter 18 Bond Calculations

Jan 26

Chapter 18 Workbook: Investing in Bonds

Jan 24-25

Sorry for my absence

Email

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

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.
  • 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.

Jan 21

Quiz: Chapter 18 Bonds

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

Jan 20

Complete Staff Superlatives

  • use the email sent to you last week

Jan 18-19

Math Worksheet Page 43: Improper Fractions and Mixed Numbers

  • Objective: Calculate equations using fractions and mixed numbers

Quizlet Chapter 18 Workbook p183-184: 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
    • 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.
    • 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. This means you must take the test in the room.

Jan 17

MLK Day

Jan 13-14

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 12

QUIZ: Return on Investment in Google Classroom

  • Finish it

Jan 11

QUIZ: Return on Investment in Google Classroom

  • Objective: Calculate return on different types of stock investments

Jan 10

DUE: Chapter 17 Stock ROI Review questions

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. Focus on what is wrong with their math. You MUST prove their math is wrong.
    • Do this by finding a compound interest calculator online.
    • Input their numbers for compounding $375 monthly over 40 years.
    • How much does it equal to in 40 years. This amount must be included in your response.
  • The subject of the email must be "math".
  • The usual standards apply.
    • Spelling, grammar and punctuation check.
    • Answer the question from abaove. State in your words. Do this by paraphrasing. Do not copy and paste. Do not quote directly. But you must still attribute.

Jan 7-10

Chapter 17 Stock ROI Review questions

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

Jan 6

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

Jan 4-5

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

Digital Assignment: Article: How Some Online Lenders Dodge State Laws To Charge Triple Digit Interest Rates

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

Jan 3

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

Market Watch: 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 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 "Your name stock 1/3".

Dec 17

Quiz: Chapter 17 Terms from Quizlet

  • Objective: Calculate return on different types of stock investments

Dec 16

Snow Day

Dec 15

Inflation Assignment

Dec 14-15

In Class Assignment: Unit 3: Lesson 2: Inflation

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Explanation video
  • Complete in Google Classroom
  • Open the Google Sheet Unit 3: Lesson 2: Inflation
    • Find the prices for the following items and calculate the amount of inflation or deflation. 
    • Make the table below in Google Sheets and enter the formula to calculate the percentage. 
    • The formula is the current price minus 1999 price divided by the 1999 price. For example, if the Toyota was 26,000 this year, the formula would be =(26000-17518)/17518. HOWEVER, DO NOT USE THE ACTUAL PRICES, USE CELL REFERENCES SUCH AS B5/C5.
    • Apply formatting to the table to make it look professional.
    • Create a chart that graphs the inflation percentages for each item.
    • Chart Requirements
      • Use either line or column chart
      • X and Y axes Titles
      • Chart Title
      • Data Labels
      • Modify chart appearance in terms of color and fonts.
      • X Axis labels
    • DO NOT submit it before completing the second part of the assignment (inserting the chart in a Google Doc). Check with me before doing so.
    • After completing the second part, you must turn it in, in Google Classroom.
      Product 1999
      Price       		Current
      Price       		% Inflation/
      Deflation
      Toyota Camry LE 17,518.00    
      1 Gal. Reg. Gas-Local 1.30    
      Newspaper-Humboldt Sun .50    
      29" TV 2000.00    
      1st Class Stamp .33    
      iPhone-Base Model* 160.00    
      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    

      *The 1999 price is for a "Smartphone" from that time
  • 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 13

Compound Interest quiz 2

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

Digital Assignment: 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. 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.
  • 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 10

Unit 3 Test: Multiple Choice Section

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

Complete work from week

Dec 9

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.

Dec 8

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

Dec 7

Unit 3 Test: True False Section

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

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

Dec 6

Notes Unit 3 Savings and Investment Choices

Dec 3

DUE Compound Interest quiz 1

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

Article: Holiday Sales

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

Dec 2

Compound Interest quiz 1

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

Dec 1-2

Chapter 6 Workbook: Saving for the Future

  • Objective: Calculate return on savings accounts and calculate compound interest.
  • Explanation video
  • Pages 57-58 Download here
  • Page 57 will be checked for completeness.
  • Page 58 will be graded.

Nov 30

Quiz Chapter 6 Terms

Grade: Unit 3 Review on Paper

Nov 29

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.
    Quizlet Requirements
  • Take the test without other tabs or answers open.
  • DO NOT change the test settings
  • You must show me your score in class.

Nov 24

DUE: Unit 3 Review on Paper

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

Nov 23

Unit 3 Review on Paper

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

Nov 22

IN CLASS: Notes Unit 3 Savings and Investment Choices

Unit 3 Review on Paper

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

Nov 19

Complete Quizlet Test Chapter 16

Quiz: Chapter 16 Terms

IN CLASS: Notes Unit 3 Savings and Investment Choices

Nov 18

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.
    Quizlet Requirements
  • Take the test without other tabs or answers open.
  • DO NOT change the test settings
  • You must show me your score.
  • If you are gone, send me an email with a screenshot of your learn section showing you are done. It will look like the image below. Use the subject, Quizlet 16. Include your Quizlet username in the message.
    Quizlet Learn

Nov 17

IN CLASS: Notes Unit 3 Savings and Investment Choices

Nov 16

IN CLASS: Notes Unit 3 Savings and Investment Choices

Nov 15

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.

SKIPPED in 2021-2022 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.

Nov 12

Complete work from the week

Nov 11

Veteran's Day

Nov 10

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.

Nov 9

Complete the form Mutual Fund Investment in Google Classroom.

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • After you submit your order, check your portfolio holdings. If the order has processed, complete the form in Google Classroom.
  • PC To save a screenshot on a PC
    • 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.
    • Upload it using the form
  • Chrome OS To take a screenshot on a Chromebook:
  • You can also complete this on your phone by taking a screenshot and completing the Google Form there.
    Market Watch Portfolio

Market Watch Evaluation

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

Nov 8

Buy a fund

Mutual Fund Quiz

Nov 4

College and Career Fair

Nov 2, 3, 5

Mutual Fund Research in Google Classroom.

Nov 1

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

Oct 28

Makeup-Last Day of Quarter

Oct 26-27

Notes on mutual funds

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

Oct 25

End of class, QUIZ: Chapter 19 Terms

Time to finish Quizlet: Chapter 19

Oct 22

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.
  • 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 21

Make up

Oct 20

Quiz: How financial Markets Work

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

Oct 19

Test: Household Credit

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

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 18

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.
  • SHOW ME YOUR portfolio FOR A GRADE
  • http://www.marketwatch.com/game/
    Market Watch Portfolio

Article: Securities Fraud

  • Find an example of securities or investment fraud 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.
    • Three sentences maximum.
    • In your own words.
    • Use Grammarly to check it.
  • Use the subject "Fraud"

Oct 15

Notes: Unit 2 How financial Markets Work

  • Objective: Increase understanding of financial markets
  • Take notes using the handout. You will get credit for answering the questions.
  • Complete questions
  • Show me when done

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.
  • SHOW ME YOUR portfolio FOR A GRADE
  • http://www.marketwatch.com/game/
    Market Watch Portfolio

Oct 14

Notes: Unit 2 How financial Markets Work

Oct 13

Complete work from yesterday.

Register for https://moneysmartcbi.fdic.gov/

Oct 12

Unit 2 Handout in Google Classroom

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

Invest in another company

  • Objective: Increase understanding of the concepts of banking, the economy, 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.
  • Spend around $5000.
  • 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.

Oct 11

Notes: Unit 2 How financial Markets Work

  • Objective: Increase understanding of financial markets
  • Take notes using the handout. You will get credit for answering the questions.
  • Notes Video 1

Oct 8

Complete work from this week

Math Worksheet 50

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

Oct 7

Quiz: Financial Planning

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

Oct 6

News

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

    Why Lexicon Pharma Is Soaring By Chris Lange

    September 9, 9:45 am EDT

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

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

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

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.

Oct 4-5

IN CLASS: Complete Budget and Charts

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

Sep 27-29

NERD WALLET BUDGET? https://www.nerdwallet.com/article/finance/nerdwallet-budget-calculator?trk=nw_gn_5.0

IN CLASS: Budgeting

  • Objective: Develop a household budget
  • Go over average expenditures, take notes to develop personal budget. Video of notes
  • 2019 Average Household Expenses
  • 2018 Average Household Expenses
  • 2016 Average Household Expenses
  • Reference Article: 09-13-16 Average Household Budget
  • In Google Classroom open the budget file and begin creating your budget.
  • Only complete three months.
  • Input the budgeted items using the numbers we came up with in class.
  • You must use the income categories from your notes and/or the example budget below.
  • For the expense categories, follow the example. But if we covered an expense in class, it must be included.
    • Gas and oil, auto maintenance, renters insurance, subscriptions, medicine, savings, personal care, pets
  • Vary the actual numbers from the budget amounts.
  • For school related costs, go to the site of the college you think you will attend.
  • The beginning balance is what you think you will have in the bank when you graduate from high school.
  • The ending balance for one month is the beginning balance for the following month. This will be a formula.
  • The whole budget is linked together using formulas. So if your income is changed in September, it changes the ending balance for November.
  • FORMULAS:
  • Once you input all of the formulas for the first month you can then copy and paste them and the budget amounts to the next two months.
  • Vary the numbers for each month. This means your budget and actual amounts for food should not be the same for each month.
  • When all of the formulas are input, format the text and cells to change the appearance; make it look good.
  • Insert a chart that tracks your ending balances for each month.
    • The chart must have appropriate titles, labels, and formatting.

example budget

Sep 23-24

Notes: Unit 1 Financial Decisions

Sep 27-29

NERD WALLET BUDGET? https://www.nerdwallet.com/article/finance/nerdwallet-budget-calculator?trk=nw_gn_5.0

IN CLASS: Budgeting

  • Objective: Develop a household budget
  • Go over average expenditures, take notes to develop personal budget. Video of notes
  • 2019 Average Household Expenses
  • 2018 Average Household Expenses
  • 2016 Average Household Expenses
  • Reference Article: 09-13-16 Average Household Budget
  • In Google Classroom open the budget file and begin creating your budget.
  • Only complete three months.
  • Input the budgeted items using the numbers we came up with in class.
  • You must use the income categories from your notes and/or the example budget below.
  • For the expense categories, follow the example. But if we covered an expense in class, it must be included.
    • Gas and oil, auto maintenance, renters insurance, subscriptions, medicine, savings, personal care, pets
  • Vary the actual numbers from the budget amounts.
  • For school related costs, go to the site of the college you think you will attend.
  • The beginning balance is what you think you will have in the bank when you graduate from high school.
  • The ending balance for one month is the beginning balance for the following month. This will be a formula.
  • The whole budget is linked together using formulas. So if your income is changed in September, it changes the ending balance for November.
  • FORMULAS:
  • Once you input all of the formulas for the first month you can then copy and paste them and the budget amounts to the next two months.
  • Vary the numbers for each month. This means your budget and actual amounts for food should not be the same for each month.
  • When all of the formulas are input, format the text and cells to change the appearance; make it look good.
  • Insert a chart that tracks your ending balances for each month.
    • The chart must have appropriate titles, labels, and formatting.

example budget

 

Sep 22

Email

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

Sep 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 CHROME
  • Use the examples below as well as those shown in class to write a letter of recommendation for yourself.
  • Use block format. SEE BELOW
  • Use the letter of recommendation file in Google Classroom.
  • Have the person next to you proofread it.
  • You are writing a letter of recommendation about yourself. This means you are writing it in the third person. What would a person say about you? And who knows you better than you? Make sure you include concrete examples that illustrate your best qualities.
  • When you are done submit it.
  • Read comments, make changes and resubmit for a final grade.

Reference Letter

Make third 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/game/ to purchase the stock.
  • Send me an email explaining why you made the investment. respinola@hcsdnv.com.
  • Use the subject "DOW".
  • Include at least two reasons based on information from the stock quote. You must explain what they mean, not just state what they are..

Sep 16

Invest in another company

  • Objective: Increase understanding of the concepts of banking, the economy, investments, and financial markets
  • Find a certain sector of the economy and invest in a the company.
  • Go to http://money.cnn.com/data/us_markets/ or 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.

Sep 15

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/
  • Video Explanation
  • Complete the questionnaire.
  • 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:
    career
  • 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?

Finish Math Worksheet Page 34

Sep 14

Quiz: Stock Quotes

Math Worksheet Page 34

Sep 13

Makeup

Sep 10

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

Video: How the Stock Market Works

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

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

Sep 8

Complete assignments

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

Sep 7

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/game/lowry-cf-2021-22 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 "Your Full Name Stock 1".
  • Video Explanation

Sep 2

Assignment: Market Levels

Assignment: What is Stock Video

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

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 following:
    • Name, ticker, current price, PE ratio, EPS, annual chart trend (up, down or flat), year range, explain briefly (one complete sentence)if you think it's a good investment or not. 
    • _________________ is a good (bad) investment because _________________.
  • Record information in the form in Google Classroom.

Sep 1

IN CLASS: Go over stock quotes

Aug 31

IN CLASS: Go over stock quotes

Aug 30

Register for Market Watch

Join Google Classroom

Join Quizlet

Join https://moneysmartcbi.fdic.gov/

Digital Assignment:

  • Complete registration for websites above.

Course requirements/expectations

Student Syllabus Verification