1 JA Capstone Programs JA BizTown – Elementary grades Capstone is the culmination of classroom study. It provides on-site experiential activities that allow students to apply knowledge they learned in classrooms to real-world situations.JA BizTown – Elementary gradesJA Finance Park – Middle and High School
2 Training Objectives By the end of training, you will understand: The purpose of JA BizTown.How to effectively use the curriculum.Teacher responsibilities for a successful student visit.Basic operation of the on-site simulation.
3 Benefits to Educators Lessons are easy to use. Minimal preparation time is needed.Content is aligned with CCSS.Curriculum is fun, interactive, and engaging.Application and extension activities are in each lesson..
4 Student GoalsDemonstrate a basic understand of the free enterprise system.Build money management skills.Develop an understanding of basic business practices and responsibilities.Describe the role of citizenship, worker, producer, consumer, and philanthropy in the economy.Display the soft skills necessary for successful participation in the world of work.
5 Program Components Teacher training Classroom instruction Volunteer trainingStudent on-site visitPost-visit activities
7 JA BizTown Curriculum Basics Financial Literacy4 class periodsCommunity and Economy3 class periodsWork Readiness2 class periodsBusiness ManagementSimulation and DebriefLocal Area staff should adjust required class time commitment if/where additional activities are required.
8 JA BizTown Curriculum Materials Teacher GuideClassroom KitCitizen Guide (workbook)Online ResourcesJA BizBriefs are not part of the required curriculum. JA Areas may choose to include them at their discretion.
9 JA BizTown Classroom Kit Classroom kits will be used for multiple years. It is recommended that teachers laminate game cards and poster for multi-year use. Some items (posters) also are available electronically for use in classroom.
10 Curriculum Guide Tabs Overview/Getting Started Financial Literacy Community and EconomyWork ReadinessJA BizTown JobsBusiness ManagementBizPrepVisit and DebriefingVisit InformationVolunteer InformationJobs, BizPrep, Visit, and Volunteer information are locally configured, printed, and added to the Teacher Guide.
11 Overview/Getting Started Overview (Pages 3-6)Program Goals, Experiential Learning, EconomicsGetting StartedMaterials (Pages 7-9)Lesson Format (Pages 10-16)Simulation Prep (Pages 17-20)Timeline and Checklist (Pages 20-23)Master List of Materials (Page 24)Experiential learning references and background are included.Getting Started – updated throughout to reflect STEM, inquiry-based learning, new lesson list, and format, etc.Next screens highlight two of the implementation timeline scenarios.
12 Timeline – Implementation Option 1 The Teacher Guide presents Financial Literacy first. The revision was piloted in this order. Fifty percent of teachers believed it was best to give students more practice time with checks and register. Each teacher has the option of implementing in the order he or she prefers.
14 Lesson Format – Unit Overview Core or required lessons are listed in the unit overview.Below that are listed the application and extension activities associated with each lesson.Local JA Area staff may choose to make some of the applications or extensions required for their local teachers.
15 Lesson FeaturesEach unit is associated with a specific color to help teachers identify lessons and resources. Financial Literacy is blue; Community and Economy is yellow, for example.Thumbnails of kit items and resources are included as part of the materials list.
16 Lesson FeaturesTeacher notes are always in purple and found in the margins.Vocabulary words also are in the margin and highlighted in orange.AV or other options are found in green boxes in various lessons.
17 Lesson FeaturesThe NEED MORE PRACTICE box appears after any activity that has additional practice opportunities available in the applications or extensions.Many activities, but not all, have variance ideas to better correlate to fourth- and/or sixth-grade students.The circled text in purple is another example of a note to the teacher.Throughout the guide, teachers will see SIMULATION CONNECTIONS. These help point out the connection between the activities in the classroom and what the students will see or do during the simulation visit.
18 Lesson FeaturesWhere appropriate, Common Core State Standards are referenced with each lesson component and grade-level variance. The detailed reference is found in the teacher reference section at the end of each unit.
19 Lesson FeaturesAt the end of every lesson, the OPTION box will describe the content of each application or extension activity so teachers can see that connection easily. If your JA Area requires one or more of these activities, this would be a good place to have teachers note that in their book.
20 Lesson FeaturesThe Teacher Guide contains a copy of the pages in the Citizen Guide; note the format in which the page number and answer key are identified.
22 Financial Literacy Four core lessons Order flexibility 5 lessons in the pastOrder flexibilityBefore or after Community and Economy lessonsChecks and electronic payment methods
23 Lesson One: Financial Institutions Topic/ActivitiesServices offered by financial institutionsConnecting money and accountsScavenger huntFinancial services adsBanks in an Economy PosterBank account applicationBank accounts
24 Lesson One Application Activities Extension Activities Banking Bingo – bank services (game in kit)Vocabulary Review – (in Citizen Guide)Extension ActivitiesChoosing a Financial Institution - financial institution differences (in Citizen Guide)Bank Teller Computations – money skills (practice)
25 Lesson Two: Checking Accounts Topic/ActivitiesEndorse a checkComplete a deposit ticketRecord transactions in a checkregisterInsufficient account balanceconsequencesTwo paychecks
26 Lesson Two Application Activities Extension Activities Transaction Actions – deposit tickets/checkbook registers (in Citizen Guide)Paycheck Practice – endorsement/deposits (in Citizen Guide)Extension ActivitiesDirect Deposit – (local JA Area option)Gordon’s Bounced Check – (in Citizen Guide)
27 Lesson Three: Savings Accounts Topic/ActivitiesCheck writingBenefits of savingEarning interest on savings$1.50 saving required
28 Lesson Three Application Activities Extension Activities $1 Million or Double the Pennies? (option for Getting Started)John’s Shopping Day – check writing/register (in Citizen Guide)Savings Plan – Inquiry based (Internet required)Extension ActivitiesRule of 72Compound Interest
29 Lesson Four: Debit Cards Topic/ActivitiesDebit card transactionsRecording debit purchasesin a check registerComparing variouspayment typesSkill and vocabulary reviewDebit cards
30 Lesson Four Application Activities Extension Activities Venn Diagram (compare/contrast)Let’s Go to the BankExtension ActivitiesThe Debit Card Transaction (in Citizen Guide)Interest in Your Favor (Internet option) (in Citizen Guide)
31 Unit Summary Check It Out! Family Newsletter Assessment Continuous scenariosFamily NewsletterCitizen Guide pageAssessmentOptionalNot included in Citizen GuideCCSS ReferencesVocabulary
32 Community and Economy Three core lessons Order flexibility Before or after Financial Literacy lessonsCircular flowOrganizing construct
33 Lesson One: Circular Flow of an Economy Topic/ActivitiesVocabularyCitizenshipCircular flow of economyCitizen PledgeLemonade Stand activityResourcesCircular flow demonstratedJA BizTown citizens
34 Lesson One Application Activities Extension Activities Circular Flow Game (game cards in kit)My Business (in Citizen Guide)Extension ActivitiesDiscovering Character TraitsCode of Ethics
35 Lesson Two: Free Enterprise Topic/ActivitiesBusinesses produce goods and servicesScarcityBasic economic questionsPrototype productionProduction
36 Lesson Two Application Activities Extension Activities What is Free Enterprise? (in Citizen Guide) (homework option)Jim’s Popcorn Daydream (in Citizen Guide)Extension ActivitiesEconomic Freedoms PosterFamily Resources (money cards in kit)
37 Lesson Three: Public Goods and Services Topic/ActivitiesGross pay vs. net payTaxesPublic vs. private goodsPhilanthropyTaxes
38 Lesson Three Application Activities Extension Activities Word Search Public and Private Goods and Services (in Citizen Guide)Extension ActivitiesPhilanthropy
39 Unit Summary Family Newsletter Assessment CCSS References Vocabulary Citizen Guide pageAssessmentOptionalNot included in Citizen GuideCCSS ReferencesVocabulary
40 Work Readiness Two core lessons Career exploration JA BizTown Jobs Tab Interests/skillsJA BizTown Jobs TabLocal jobsElections(Application Activity)Job interviews
41 Lesson One: Interests and Skills Topic/ActivitiesRecognition of skills and interestsCareer typesSTEM careersWorkplace behavior
42 Lesson One Application Activities Extension Activities Career Types Education Pays Off (in Citizen Guide)Extension ActivitiesSoft Skills – TeamworkSoft Skills – Problem Solving
43 Lesson Two: Applying for a Job Topic/ActivitiesJob applicationSpeed interviewsJob interview evaluation
44 Lesson Two Application Activities Extension Activities Job Interviews ElectionsExtension ActivitiesWriting a ResumeCareer Exploration
45 JA BizTown Jobs Tab Staffing Model Job Descriptions Employment Letter Job AssignmentsClassified Ads
50 Business Management Three core lessons BizPrep Tab Business expenses Price settingVisit preparationBizPrep TabShop envelopesBudgetAds
51 Lesson One: Business Costs Topic/ActivitiesCustomer serviceBudget – operating costsPayrollBusiness Costs SheetBusiness groupCEO in charge
52 Lesson One Application Activities Extension Activities Customer Service (in Citizen Guide)Ranking Criteria (in Citizen Guide)Extension ActivitiesQuality Task Committee (in Citizen Guide)BizBriefs (in Citizen Guide - businesses in simulation)
53 Lesson Two: Setting Prices Topic/ActivitiesSelling priceRevenueInventoryProfitDivide products into equal groups – all students have same opportunity
54 Lesson Two Application Activities Extension Activities Wants and Needs Business Costs and Profit (in Citizen Guide)Extension ActivitiesHistory Connection – Inquiry-Based Lesson (Internet required)Identity Theft
55 Lesson Three: Visit Preparation Topic/ActivitiesAdvertisementsPhilanthropy PledgeCheckbook PrepFriendly Letters(Extension Activity)Letter to the Editor
56 Lesson Three Application Activities Extension Activities Slogans and LogosJinglesExtension ActivitiesFriendly LettersLetters to the Editor
57 Student Checkbooks Classroom preparation Name written on book and on checks and deposit tickets throughoutAccount number on checks and deposit tickets
58 Student Checkbooks Ready for first visit to the bank First deposit ticket readyPayroll taxes have been deductedCash back maximum of $2.00Net depositGross pay amounts:$9.00, $8.50, and $8.00Net pay amounts:$8.82, $8.33, and $7.84
60 Student Checkbooks First check and register transactions First check for savings$1.50 – required for each studentPay to the order of “Bank”Memo: savings accountCheck RegisterBeginning balance is $0Two entries – net deposit and savingsShow math
65 Business Startup Pricing activity Speech preparation Nothing under $1.00Price popular items highest – record on inventory supply sheetConsider bank loanSpeech preparationCEOs may have opening speech templatePrinting payroll (CFO)CEO signs/checks are filedDo NOT distribute yet!
66 Opening Town Meeting Students gather in town center Mayor’s welcome speechCEO’s opening speeches
67 Staff Meeting #1 All students and volunteers in business No one should be out in town!CFO hands out first payroll checkEndorse – remove stubTear out deposit ticket and savings checkRemind students of break orderRemind students they must visit the bank before shopping or eating
68 Work/Break Rotations #1 Three break sessions, 20 minutes eachRed – Yellow – GreenStudents on break go to bank firstTeachers: help at banksStudents not on break continue to work – follow the job simulationsAs income begins to come in, CFO to make depositsDashes on first check item are different; I can’t make them the same for some reason.Should second checked item be bold?
69 Staff Meeting #2 CFOs pass out second payroll check Prepare students for next bank depositDeposit ticket (no cash back)Enter net deposit in checkbook registerDiscuss how things are goingRemind students that on their next break they will eat lunch and go shoppingRemind students to record purchases in their checkbook register
70 Work/Break Rotations #2 Three break sessions, 30 minutes eachRed – Yellow – GreenStudents on break go to bank firstStudents not on break continue to work – follow the job simulationsAs income begins to come in, remind CFO to make depositsAssist with Closing Town Meeting speech prep, if applicable
71 Business Cleanup Final business deposits made to the bank See list posted in businessStudents return uniforms, JA BizTown cash, break buttons, etc.Unused materials and supplies remainCFO prints accounting reportAll paperwork goes in BizPrep envelopeIncluding checkbooks – return to school
72 Closing Town Meeting JA staff calls everyone to town center Students bring all personal belongings with themMayor leads meetingA few, specific CFOs/others give reports/speechesStudents return uniforms, JA BizTown cash, break buttons, etc.
73 Reminders Everyone brings a sack lunch No time to “go out” for lunchTeachers cover for volunteers during breaksTeachers responsible for medicationsSchedule transportation ASAP