This sample instructional plan incorporates WIDA Key Language Uses to support English Language development in tandem with content instruction.  *Note: Some images may not appear in the "View Resource" format.  To see all images in this instructional plan, click "download" at the bottom of the overview.

Assignment can be used to assess understanding of investing concepts. Students use both knowledge and creativity to design a slide show of terms that relate to investing. *See Resource Library for attachments (rubric and student example).

This module examines the structures, systems and processes that should be established in order for a school to be effective. The expectation of all stakeholders in the school environment is that an effective school will be able to provide an education of progressively higher quality for all learners. The premise of this module is that effective education is built upon, and grounded in, policies, principles and values. The acts, regulations and policies of national and provincial governments have created the framework and values within which the schools organisational systems, and physical and financial resources should be managed.

This assignment is about exploring alternative ways of sharing goods and services and understanding the benefits, drawbacks, and implications of these methods. Students are asked to choose one of seven non-market distribution methods, such as majority rule, contests, force, first-come/first-served, sharing equally, lottery, and personal characteristics, and observe how it is implemented in real-life scenarios. They need to explain the distribution method, who benefits from it, who is excluded, and the advantages and disadvantages of using it. Students also have to find a real-life example of the chosen non-market distribution method, describe how it is used, and assess its fairness and efficiency. Lastly, they are required to include a citation and ensure their submission is no less than 180 words and comprises a list of cited works. The goal of the assignment is to better understand how goods and services are distributed and how these methods affect different groups of people.

The material in this lesson will help students become aware of the warning signs of financial difficulties. When difficulties arise, students should first contact their creditors. Next, efforts should be made to revise spending patterns. In addition, assistance from a Credit Counseling service agencies might be considered. What if these actions do not help?

In Round 1, students learn to allocate their "20 bean salary" according to which options they want to spend their beans on. Round 2 forces the students to reduce their salary to 13 beans and make decisions about where they should make their "cuts". Round 3 includes some "life happens" challenges that allow students to make more decisions on where to move the beans in order to deal with the situations. This activity completes with some reflection questions on how this activity relates to budgeting with real income.

In this Case Study Activity, students will take on the role of a credit counselor to assist a borrower who finds himself in serious financial distress. Several options will be presented, and students will identify pros and cons of each approach and choose a path forward.

Managing debt loads can be very difficult and overwhelming at times. Hiding from debt and avoiding the problem, will only make the situation worse. This activity includes mini case studies on how to handle various debt problems so that the students can take control of their debt and move forward to a better financial future.

This activity is to help students be creative with some of the content they learn in Financial Literacy. Students will learn about taxes and then take it an extra step by creating a short film about what they learned. This can be used to help other students learn more about the complex tax system. Students can use a classroom video camera or their own device to record and edit.

Economists can’t agree on whether investors and markets are rational and efficient, as modern financial theory assumes, or irrational and inefficient, as behavioral economists believe. Drawing on psychology, evolutionary biology, neuroscience, artificial intelligence, and other fields, Prof. Lo cuts through the debate in this course with a new framework—the Adaptive Markets Hypothesis—in which rationality and irrationality coexist.
Topics:

Introduction and Financial Orthodoxy
Rejecting the Random Walk and Efficient Markets
Behavioral Biases and Psychology
The Neuroscience of Decision-Making
Evolution and the Origin of Behavior
The Adaptive Markets Hypothesis
Hedge Funds: The Galapagos Islands of Finance
Applications of Adaptive Markets
The Financial Crisis
Ethics and Adaptive Markets
The Finance of the Future and the Future of Finance

As part of the Open Learning Library (OLL), this course is free to use. You have the option to sign up and enroll if you want to track your progress, or you can view and use all the materials without enrolling. Resources on OLL allow learners to learn at their own pace while receiving immediate feedback through interactive content and exercises.

As inflation raises the overall price level in an economy, the purchasing power of the dollar decreases and both borrowing and lending costs increase. The January 2023 issue of Page One Economics® discusses how price indexes can be used to transform nominal wages and interest rates into real, or inflation-adjusted, values.

Goal Setting

Students can identify differences between long- and short-term goals and the importance of setting them.

S.M.A.R.T. Goals

Students can build goals that are specific, measurable, attainable, relevant, and timely.

Task Analysis

Students can break down their goals into smaller tasks and create a plan using these tasks that will enable them to reach their goals.

Time Management and Scheduling

Students can schedule their time for the week and follow those schedules to work toward their goals.

This half-semester course introduces and surveys a selection of cutting-edge topics in the field of real estate finance and investments. The course follows an informal “seminar” format to the maximum degree possible, with students expected to take considerable initiative. Lectures and discussions led by the instructors will be supplemented by several guest speakers from the real estate investment industry, who will present perspectives on current trends and important developments in the industry.

In analyzing fiscal issues, conventional public finance approaches focus mainly on taxation and public spending. Policymakers and practitioners rarely explore solutions by examining the fundamental problem: the failure of interested parties to act collectively to internalize the positive externalities generated by public goods. Public finance is merely one of many possible institutional arrangements for assigning the rights and responsibilities to public goods consumption. This system is currently under stress because of the financial crisis. The first part of the class will focus on collective action and its connection with local public finance. The second part will explore alternative institutional arrangements for mediating collective action problems associated with the provision of local public goods.
The objective of the seminar is to broaden the discussion of local public finance by incorporating collective action problems into the discourse. This inclusion aims at exploring alternative institutional arrangements for financing local public services in the face of severe economic downturn. Applications of emerging ideas to the provision of public health, education, and natural resource conservation will be discussed.

Consumers see or hear thousands of advertisements each day. The April 2017 issue of Page One Economics: Focus on Finance reviews advertising history and strategies ads use to create demand and influence consumer tastes and preferences.

This course covers the key quantitative methods of finance: financial econometrics and statistical inference for financial applications; dynamic optimization; Monte Carlo simulation; stochastic (Itô) calculus. These techniques, along with their computer implementation, are covered in depth. Application areas include portfolio management, risk management, derivatives, and proprietary trading.

We use the derivative to determine the maximum and minimum values of particular functions (e.g. cost, strength, amount of material used in a building, profit, loss, etc.).Differentiation is also used in analysis of finance and economics.

Lecture notes on how to allocate different types of investment in a portfolio to manage risk

This activity contains three case studies which allow students to evaluate situations that are considered when budgeting. The students will create budgets for the individuals in the cases as part of this assignment.

This activity uses mini cases to help develop some problem- solving skills in relation to budgeting. Situational analysis allows students to role play and help the person in the case figure out how to budget and deal with their financial decisions. Cases allow for students to role play in real life scenarios that they may experience in their future.

This is a full project that can be used in to meet standards around budgeting and money management. This usually takes the students about 5 hours to complete and it is very comprehensive to cover all future spending. The assignment requires the students to "screenshot" proof of items they found for their budget (and support each item with evidence). Students really enjoy this project (and adults have used it too for budgeting in real life!). Students may chose to have $0 spending on some items (pets, legal, etc.), but they should explain their reasoning for entering a zero. As well, students should enter savings into their budget (at least 10% of earnings).

Students use their emerging writing skills to write shopping lists. They work within a budget, use problem-solving skills to create lists, and buy their favorite treats at the class store.

Overview: This lesson goes over different kinds of auto insurance coverages. I have also included an edpuzzle activity and some videos on the slideshow to add to the lesson. There is also a short review at the end of the slideshow.  

This module is the first part of an Insurance 101 series that explores the basic concepts of Liability coverage on an auto insurance policy. (All pictures courtesy of www.creativecommons.org)

A higher minimum wage would provide higher income for low-wage workers but also likely reduce job opportunities. Some of the reduction in job opportunities would occur from employers automating job tasks to replace more expensive human labor. The November 2021 issue of Page One Economics® explains how a higher mandated wage may lead some firms to substitute capital for labor.

This course covers topics dealing with financing a business, analysis of financial statements, working capital management, short-and long-term financial planning, budgeting and control.

Course Outcomes:
1. Describe and interpret the four standard financial statements.
2. Describe the importance of current assets and liabilities.
3. Calculate and interpret standard business ratios including: current, inventory turnover, gross margin (profit), ROA, ROE, EPS, and A/R Days.
4. Discuss the difference between markup and margin.
5. Calculate break-even points and units needed to make profit levels.
6. Calculate working capital and estimate minimum cash reserves.
7. Track cash flows for an organization.

BSA 110 -- Personal FinanceWelcome to the wonderful world of Finance (and money)!! The course is a 8 weeks, you need to keep up with the Modules.  There are 8 Modules, so we will complete one module every week.Personal Finance refers to how you manage your money, including your income, expenses, and savings. When you put effort into managing your personal finances, you have a better grasp on where your money is going and what changes you can make to meet your future financial goals.  Your Personal Finances are crucial in almost all aspects of your life.  How you handle your credit, what is your purchasing power, and am I prepared for retirement?  What are my short- and long-term financial needs?We will be looking at many different topics: Investing, The Fed, Stocks, Mutual Funds, and Retirement, to name a few.

"Future Ready: Financial Literacy" is an educational resource that introduces the importance of financial literacy and provides an overview of key concepts such as savings accounts, types of interest, and financial planning. It aims to equip learners with the knowledge and skills needed to make informed financial decisions, manage money effectively, and build a secure financial future.

This video lecture presents the basic definitions of assets, liabilities and equity with simple examples. It also explains the concept of accounting equation with examples.

Students play a game to learn about common banking products and services and to consider which ones they might use now and in the future.

These short videos explain bankruptcy a legal process that provides relief to many individuals who can no longer pay all of their debts.

Many people find themselves in financial trouble, but it is good to know there are options available should you need serious financial help. The April 2018 bonus edition of Page One Economics: Focus on Finance discusses earning income, budgeting, late payments, and collections. It introduces the basics of legal protection offered in the form of bankruptcy and describes some potential consequences of filing a bankruptcy case.

In small groups, students will research and obtain information to compare services offered and rates between banks and credit unions. To conclude, students will present their findings and state why one might choose one over the other.

Lesson Objective: At the completion of this lesson, students will be able to create a budget to accomplish personal financial goals.

Students match tax types to definitions and then apply their knowledge to tax scenarios.

Short Description:
This textbook was written for a community college introductory course in spreadsheets utilizing Microsoft Excel. While the figures shown utilize Excel 2016, the textbook was written to be applicable to other versions of Excel as well. The book introduces new users to the basics of spreadsheets and is appropriate for students in any major who have not used Excel before.

Long Description:
This Beginning Excel textbook is intended for use in a one-term introductory spreadsheet course for all majors taught at two-year colleges. The basics of Excel, as they apply to the professional workplace, are introduced, including spreadsheet design, data entry, formulas, functions, charts, tables, and multi-sheet use.

Contact Diane Shingledecker (dshingle@pcc.edu) for inquiries about accompanying online quizzes, tests, What’s Wrong with this Spreadsheet critical thinking exercises, midterm, and final projects that currently reside in a Desire2Learn online course shell.

Word Count: 62914

ISBN: 978-1-990641-72-5

(Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Second Edition: https://openoregon.pressbooks.pub/beginningexcel19/

Short Description:
This is the first edition of a textbook written for a community college introductory course in spreadsheets utilizing Microsoft Excel; second edition available: https://openoregon.pressbooks.pub/beginningexcel19/. While the figures shown utilize Excel 2016, the textbook was written to be applicable to other versions of Excel as well. The book introduces new users to the basics of spreadsheets and is appropriate for students in any major who have not used Excel before. Order a print copy: http://www.lulu.com/shop/noreen-brown-and-barbara-lave-and-julie-romey-and-mary-schatz/beginning-excel/paperback/product-23853995.html

Long Description:
Second edition available: https://openoregon.pressbooks.pub/beginningexcel19/

This Beginning Excel textbook is intended for use in a one-term introductory spreadsheet course for all majors taught at two-year colleges. The basics of Excel, as they apply to the professional workplace, are introduced, including spreadsheet design, data entry, formulas, functions, charts, tables, and multi-sheet use.

Order a print copy: http://www.lulu.com/shop/noreen-brown-and-barbara-lave-and-julie-romey-and-mary-schatz/beginning-excel/paperback/product-23853995.html

Word Count: 62914

ISBN: 978-1-63635-034-9

(Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

Students will learn that money is an invention. They will read and analyze an essay focusing primarily on one aspect of Ben Franklin's life his work as a printer and how he was an inventor and entrepreneur who also promoted the use of currency in the United States. Students will cite specific textual evidence regarding problems and solutions and will answer questions and complete a timeline. By using evidence and information gleaned from text, students will write a fictitious social media post defending the selection of Ben Franklin's portrait for the $100 note.

Inflation numbers are important economic indicators. But thinking beyond the numbers reveals a deeper reality. For example, how do businesses respond to inflation? Some resort to shrinkflation and skimpflation. Learn about these practices and their effects on consumers in the December 2022 issue of Page One Economics®: Focus on Finance.

Crypto assets have increasingly occupied news headlines and the minds of many consumers. While initially introduced as a payment system, crypto assets are seen by many as an enticing investment opportunity. This issue of Page One Economics® introduces crypto assets, blockchain technology, and the emerging crypto universe.

While many people have heard of Bitcoin, far fewer understand it. In short, Bitcoin is a digital currency that allows transactions independent of the banking system. Lately, many people are buying Bitcoin purely as a financial investment, hoping it will appreciate. So which is it—currency or financial asset? Read more about it in the March 2018 issue of Page One Economics.

“Bitcoin for Beginners – Comprehensive Guide 2024” is an in-depth online course designed from Investorempires.com for individuals looking to understand the fundamentals of Bitcoin. Whether you are new to the world of cryptocurrencies or wish to deepen your knowledge, this course provides a systematic approach covering essential concepts, practical aspects, and the significance of Bitcoin in the financial landscape.

Course Duration:
- No Time Limited (Self-paced learning)

Learning Objectives:
Upon completion of this course, participants will:

Grasp Bitcoin Basics:
Understand the fundamentals of Bitcoin, its origin, and the underlying blockchain technology.

Navigate the Bitcoin Ecosystem:
Gain insights into Bitcoin mining, wallets, and transactions.

Secure and Manage Bitcoin:
Learn how to secure and manage Bitcoin through wallets and best practices.

Conduct Bitcoin Transactions:
Understand the process of buying, selling, and transferring Bitcoin.

Explore Bitcoin Investment:
Explore the investment potential of Bitcoin and understand its role in the broader financial market.

Analyze Bitcoin Trends:
Develop skills in reading Bitcoin price charts and understanding market trends.

Understand Bitcoin’s Impact:
Comprehend the societal and economic impact of Bitcoin.

Target Audience:
-Beginners with little to no knowledge of Bitcoin.
-Individuals interested in understanding the foundational concepts of Bitcoin and its practical applications.

Cryptocurrencies like Bitcoin rely on blockchain technology and crypto mining, which consume massive amounts of electricity and have significant carbon footprints. The lack of transparency and regulation in the industry raises concerns about the economic, social, and environmental costs associated with crypto mines.

This resource was created by Brandon Horst in collaboration with Tina Williams as part of the 2019-20 ESU-NDE Digital Age Pedagogy Project. Educators worked with coaches to create Unit Plans promoting BlendEd Learning Best Practices. This Unit Plan is designed for Upper Primary Integrated Technology (3-5).

This course is for students wishing to explore blockchain technology’s potential use—by entrepreneurs and incumbents—to change the world of money and finance. The course begins with a review of Bitcoin and an understanding of the commercial, technical, and public policy fundamentals of blockchain technology, distributed ledgers, and smart contracts. The class then continues on to current and potential blockchain applications in the financial sector.

This lecture is about bonds. A bond is a debt investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate. It discusses the bond terminology, how to compute the price and yield of the different types of bonds. Additionally, it describes why bond prices change over time and how credit risk affects a corporate bond.

This booklet contains 7 chapters on topics related to how to earn, save, budget, spend, borrow, protect and give money. Whether you get a weekly allowance or get paid for walking your neighbor’s dog, your first step in handling your money well is to think about short-term and long-term goals. Then make a plan to reach them. It takes a bit of practice to master your money, just like it takes time to learn to ride a bike. But once you get the hang of it, you’ll be ready to tackle all sorts of money twists and turns.

Break-Even analysis and the effect of changing Fixed costs, Variable Costs, and Selling price on Profit/Loss

Try to move points (one at a time) C, B, and D C for a change in fixed cost B for a change in selling price D fora change in variable cost

This handbook is presented to you by the Office of Scholarship and Sponsored Projects in FHSU. It covers the topics on developing a budget for grant proposal writing, the types of costs, budget justification, and FHSU procedures for proposal submittal.

Students will analyze monthly household expenses, explain the benefits of using a budget, and create a sample budget.

While completing a digital worksheet, students will describe the purpose of a budget, classify expenses as needs and wants, and explain the difference between gross pay and net pay.

This task allows the students to create a family’s cash flow budget based on their current situation, analyze strengths, weaknesses, opportunities, and threats to their household budget, and give the family some financial advice.

The assignment also asked the students various planning questions regarding family budgets, events that affect the budget and variables to consider when a household plans their budgets.

This is a simulation for students to integrate several concepts on saving and banking into one project.

Students will create a zero-budget from a projected salary for a career of their choice, practicing the PYF principle and learning realistic costs of living.

At the most basic level, a budget is a way to keep track of the money you are getting and the money you are spending. A budget is a great way to make sure that you can cover your expenses from month to month.

If you have a set income that you use to cover your expenses, chances are, making a budget is the right choice for you.

This assignment is a webquest. Students research their favorite careers and create a monthly budget to decide whether or not they can live the lifestyle they choose on that occupation's salary.

This activity from the Consumer Financial Protection Bureau has students practice budgeting by planning for a fun overnight trip to a city.

Essential questions
What types of things should be included in a budget?
How can budgeting help me manage my money?

Students practice budgeting by planning for a fun overnight trip to a rural area.

Students review the various stages for starting and growing a business, and match them up to the same stages for growing a garden.

Spanish version is also available.

This resource is not openly licensed, but is available for free online viewing for educational purposes.

Business Administration: Personal Finance Syllabus

BA 218

COURSE DESCRIPTION: Students develop personal financial skills to help them make informed
and smart monetary decisions.

COURSE OBJECTIVES: The successful student will be able to demonstrate the following skills:
 Personal budgeting techniques.
 Knowledge of banking practices and typical fee structures as they relate to the student’s
personal finances including bank reconciliation.
 Knowledge of consumer credit including the value of credit scores and interest rates as
it applies to personal debt.
 Knowledge of the decision variables when making major purchase decisions.
 Knowledge of investing and how to maximize retirement plan decisions.

The purpose of this class is to advance your understanding of how to use financial information to value and analyze firms. We will apply your economics/accounting/finance skills to problems from today’s business news to help us understand what is contained in financial reports, why firms report certain information, and how to be a sophisticated user of this information.

Syllabus for a course in data analytics for business economics, focusing on use of source data sets to answer the "why?" questions hidden in aggregate averages used in theory and "headline" news releases. Zero cost course using data available widely on the web. Optional texts are trade books available widely in libraries or used copies at low cost.

Short Description:
Business Finance Essentials is a text designed to provide students with an opportunity to learn the fundamentals of business finance without the additional cost of a textbook. This book has been developed with over a decade of classroom use in both face-to-face and online classes at Pittsburg State University. The goal was to create a resource to introduce students to the important elements that go into financial decision making which applies to corporations and their own personal lives in a simple framework. Whether it is learning about time value of money, bonds, capital budgeting or retirement planning, this book should make that process as straight-forward as possible. With the explosion of Open Educational Resource materials over the past few years, we saw this as a tool that could be made available to faculty as a launching point for their courses. Using a Creative Commons license that allows users to modify it to their needs with their own additions or through adding other resources, it is intended as not the final product, but the starting point. We hope that this process will keep the material current and flexible enough to help students gain not only a better grasp of finance, but also an interest in the field.

Long Description:
Business Finance Essentials is a text designed to provide students with an opportunity to learn the fundamentals of business finance without the additional cost of a textbook. This book has been developed with over a decade of classroom use in both face-to-face and online classes at Pittsburg State University. The goal was to create a resource to introduce students to the important elements that go into financial decision making which applies to corporations and their own personal lives in a simple framework. Whether it is learning about time value of money, bonds, capital budgeting or retirement planning, this book should make that process as straight-forward as possible. With the explosion of Open Educational Resource materials over the past few years, we saw this as a tool that could be made available to faculty as a launching point for their courses. Using a Creative Commons license that allows users to modify it to their needs with their own additions or through adding other resources, it is intended as not the final product, but the starting point. We hope that this process will keep the material current and flexible enough to help students gain not only a better grasp of finance, but also an interest in the field.

Word Count: 123976

(Note: This resource's metadata has been created automatically by reformatting and/or combining the information that the author initially provided as part of a bulk import process.)

"Future Ready: Financial Literacy" is an educational resource that explores credit cards, emphasizing the importance of understanding their costs and potential hazards. Learners will develop rational thinking and decision-making skills through a cost-benefit analysis. The content focuses on financial responsibility, highlighting the benefits of wise money management and the costs of irresponsibility. The resource equips individuals with essential knowledge to make informed financial choices and maintain a healthy credit score.

Students review a pay stub from a sample paycheck to understand the real-world effect of taxes and deductions on the amount of money they receive.

Cards, Cars and Currency is a curriculum unit that challenges students to become involved in three specific areas of personal finance: credit cards, debit cards and purchasing a car.

Students connect their future career choices and decisions with budgeting practice and identifying the type of lifestyle they will be able to live based on their career choices.

A unit that includes career exploration, finding a job, resumes, cover letters, interviews, starting a new job.

In this collection you will find all the resources shared originally at our Careers and Resumes workshop on March 10, 2021.  This includes videos, resume templates, Kahoot! game, and websites.  Topics include resumes, cover letters, job interviewing, job hunting, communication skills, and tips.  

What do you need to know before buying a car? Aside from knowing what you want in a vehicle, you’ll need to know about budgeting and credit before you start shopping. Learn some car-buying basics in the February 2019 Page One Economics: Focus on Finance essay.

There are two sides to a budget—income and expenses. When asked how to best balance a budget, people often respond by saying to reduce or eliminate expenses. In this lesson, students choose a car and a housing option and, using these expenses, determine if the income they earn from the occupation they’ve chosen will be sufficient when other expenses are added. If they determine it is insufficient, they seek ways they could increase the income side of the budget by improving their human capital.

Students will learn the consequences of not paying one’s debts and the choices of last resort for out-of-control debt. Students will explain how using [types of predatory loans] can cause a vicious cycle of debt. Bankruptcy is also introduced, and the various costs associated with bankruptcy are outlined. The students will discover what steps a person can take to avoid filing for bankruptcy, including seeing a credit counselor.

Give a customer the correct amount of cash back in all "big bills."