9+-+12

Theme 1: The Economic Way of Thinking
 * CCSS Correlation**


 * Essential Understandings, i.e. "People recieve money in many ways."**


 * Curriculum Integration**


 * Modification for ELL, SPED, etc.**


 * Extension**


 * Pre and Post Assessments**

** Theme 2 Earning Income ** ** Lesson 4: ** Essential Understandings: -Getting to know yourself -Education and career choice reflects earning potential -Why we need TAXES. Curriculum Integration: -Math -Business -Social Studies -Language Arts -Law Pre-Activities: -Career interest inventory -Learning Style Inventory -Biography about personal goals and aspirations -Mock Interviews -Community Members come into school to do interview -Practice interviews and then official interview (students dress to impress) -Letter of Interest -Resume Writing -Job Search Process -Work place etiquette -Students come up with the “boss’” expectations ** Lesson 5: ** Entrepreneurship Extension Activities: Students make a business proposal for their own companies ** Lesson 6: ** Extension Activities: Looking Median incomes for our country, state, county, town/city Researching amount of education needed to obtain a job in the field they chose from lesson 4.

** Lesson 7: ** Taxes -Filling out their own W4 -Filling out their own 1040ez form -Researching how their deductions are calculated -Where are taxes going? What are they for? -List deductions Pre and Post Assessments: -Interview Rubric/Checklist -Managing Personal Finances -Resume and Letter of Interest Rubrics

Theme 3: Money Management

**Essential Questions**
 * CCSS Correlation **
 * L4
 * L6
 * NQ1-3
 * N-CN1-3
 * A-CED2
 * RH7
 * W2
 * L1-3
 * L5
 * Refer to standards of Mathematical Practice
 * Why is it important to budget your money?
 * How can your budget impact your financial future?
 * What is important when you select a bank?
 * How can you keep track of your money?
 * Why is insurance important?

**Curriculum Integration** **Modification for ELL, SPED, etc.** **Extension**
 * Health
 * Social Studies
 * Math
 * Culinary
 * Technology Education
 * Visuals (play money)/Pictures
 * Note taking template/Partially completed note taking template with vocabulary and key concepts, modified or shortened text with simple language, use word bank
 * Word Wall
 * Pair with more abled students
 * Ask how and why, tell and explain
 * Financial Reality Fair
 * “Bean Budget”
 * Non-fiction writing prompt: Identify several financial short, medium, and long term goals. Make a chart to track progress on meeting goals.
 * Prom Budget
 * Movie “Pursuit of Happyness”
 * Guest speaker from local bank
 * Financial Planner guest speaker
 * Non-fiction writing prompt: Compare and contrast banks and select best option for you.
 * Non-fiction writing prompt: Determine which type of banking, traditional or online is the best option for you and explain why?
 * Non-fiction writing prompt: Why are some types of insurance(s) required and other types of insurance(s) not required? Support your response using specific examples or stories.
 * Pre and Post Assessments **
 * Pre and Post Formative Assessments (Benchmarks)
 * Project Based Assessment:
 * Analyze a budget and determine spending habits, identify fixed and variable expenses, revise budget to meet financial goals.
 * Checking Account Project (Steps to writing a check, adding deposits and deducting withdrawals, reading a bank statement, creating a bank reconciliation)
 * Non-fiction writing prompt: Compare and contrast banks and select best option for you.

Theme 4: Spending & Credi
 * __ Theme 4 – Spending and Credit __**

- Economic literacy scores (2003)

- What do high school students know compared to their parents? (economic literacy was comparable: students 48%, parents 57%)

__ Lesson 11: What is credit? __

- Loan Shark? Rent a center, etc.

- Define Credit, interest

- What are some pros and cons or uses for credit? (where do we see it used)


 * Picture of a community setting (PUD with cars, what are some scenarios that allowed this to happen?)
 * Use this to elude to mortgages, college loans, car loans, personal loans, credit cards.
 * What’s the impact? (advantages, disadvantages, etc.)
 * Creditkarma.com

__Lesson 12: Making credit choices__

- Poll the class on when they have used or seen people need to use credit? What was the advantage? What was the disadvantage? Was it NECESSARY? Given their income could they afford it? Do you recommend they apply for the credit?

- What would be your credit needs after high school and how will you assess what you plan to borrow? (college, car loans, state vs. private schools, etc.)

__Lesson 13: Applying for Credit__

- Set up a scenario (role playing) where some students could be bankers and some could be borrowers with different needs. Have them decide on the criteria for lending prior to the scenario. Justification would be required for application and rejection/acceptance of the application. t

Theme 5: Saving & Investing
 * CCSS Correlation**


 * Essential Understandings, i.e. "People recieve money in many ways."**


 * Curriculum Integration**


 * Modification for ELL, SPED, etc.**


 * Extension**


 * Pre and Post Assessments**