1. INSTRUCTOR’S GUIDE

2. ► The course I am about to share with you is the first of its kind in the state of Florida. ► This is a curriculum to develop financial literacy, but it is blended, meaning that a great deal of support will be delivered via a computer. ► It will occur in a traditional classroom, so the teacher is there at all times to instruct. ► Students satisfy the requirement that they take an on-line course before graduation.

3. “SCHOOLOGY” PLATFORMSCHOOLOGY” PLATFORM The course content, instructions, activities, resources and assessments will all be housed on a user friendly web-based platform that instructor and student will start from each day.

4. STUDENT REGISTRATION BEFORE THE SEMESTER BEGINS, YOU MUST REGISTER YOUR STUDENTS AND ORDER BOOKS. THIS REQUIRES NO EXPENSE, BUT WILL PROVIDE THE ACCESS TO RESOURCES AND CONTENT.

5. PRIOR TO THE SEMESTER BEGINNING ORDER BOOKS WEB RESOURCE ACCESS  FINANCIAL FREEDOM FINANCIAL FREEDOM  NAVIGATE: EXPLORE COLLEGE & CAREER NAVIGATE: EXPLORE COLLEGE & CAREER  Set up rosters to generate access codes for Schoology, Everfi and Econlowdown sites.  www.schoology.com www.schoology.com  https://takechargetoday.arizona. edu https://takechargetoday.arizona. edu  http://floridasms.com/ http://floridasms.com/  www.econlowdown.org www.econlowdown.org  https://www.practicalmoneyskill s.com/foreducators/lesson_plan s/highschool.php https://www.practicalmoneyskill s.com/foreducators/lesson_plan s/highschool.php  http://apps.irs.gov/app/understa ndingTaxes/teacher/index.jsp http://apps.irs.gov/app/understa ndingTaxes/teacher/index.jsp  www.handsonbanking.org www.handsonbanking.org  www.quizlet.com www.quizlet.com  www.everfi.com www.everfi.com

6. Is it Anti- American to deprive yourself? COURSE OUTLINE Unit One/The Economics of Personal Finance Choice, Opportunity Cost, Incentives, Goals, P.A.C.E.D. Decision Making Grid, Budgeting, Wonderful Life Unit Two/Managing Your Money Earning Income: Human Capital, The Value of Education to Career Development, Interpreting a Paycheck, Alternative Sources of Income Buying Goods and Services: The Opportunity Cost of Spending, Financial Elements of Consuming, Persuasive Advertising, Short-term Utility vs. Long-term Consequences Unit Three/Banking Basics Types of Financial Institutions, Banking Products, Checking Accounts, Savings Accounts, Certificates of Deposit, Money Market Accounts, How to Write a Check, On-line Banking Unit Four/Saving and Investing Why Do People Save and Invest and Why is it So Difficult?, Risk/Reward Pyramid, Types of Investments, Stocks, Bonds, Mutual Funds, 401K, 529 Plans, IRA, Yield, Growth, Income, Cyclical, Defensive

7. COURSE OUTLINE Unit Five/Credit What is Credit?, Types of Credit, Credit Report, Credit Score, Benefits and Costs of Credit, Impact of Risk and Behavior on the Cost of Credit, Annual Percentage Rate, Alternative Financial Services Unit Six/Automobiles and Auto Financing Total Cost of Buying a Car: MSRP, Taxes, Credit Costs, Maintenance, Gasoline, Insurance, Comparison Shopping Unit Seven/Managing Risk Insurance: Why Buy it?, Alternatives, Types of Insurance, How Insurance Works, How Do You Know How Much to Buy? Impact of Taxes and Inflation on Wealth Accumulation, The Cost of Smoking on Wealth and Health. Unit Eight/Exploring College and Careers Exploring Careers, What About College?, How Do I Get In?, How Much Does College Cost?, Paying For College?, Future Paths.

8. HIGHLIGHT: IT’S A WONDERFUL LIFE 5 slides 1) Title, personal picture of you doing something you love to do, name and period 2) Biography: name, age, what do you love to do?, what career might involve your passion?, what is the average salary of someone in that career? 3) Dream house and vehicle, pictures of them and description (why are they so dreamy?) 4) Where in all the world would you like to live? Why and pictures of the place. 5) Charities or causes you want to give back to when you achieve this wonderful life. Describe why these are important to you.

9. HIGHLIGHT: EXPLORING THE COSTS OF…  SMOKING  HEALTH CARE  WORLD TRAVEL  DIET AND FITNESS  RUNNING A BUSINESS  TAXES AND INFLATION ON WEALTH EACH OF THESE ACTIVITIES INVOLVE A GREAT AMOUNT OF MATH PRACTICE

10. CAR SHOPPING RESEARCH AND COMPARE MSRP BOOK VALUE INSURANCE FINANCING GAS COSTS CAR PAYMENTS LEASING AUTO LOAN OPTIONS TRADE IN USED CAR WARRANTY

11. INVESTING IN STOCKS  TEN WEEK STOCK INVESTING SIMULATION  $50,000 INVESTED IN THE STOCK OF TEN COMPANIES  USE SPREADSHEETS  PERFORM A PORTFOLIO ANALYSIS TRACKING FROM PURCHASE TO SALE  PRIZES FOR THE WINNING PORTFOLIO IN EACH CLASS

12. THE GAME OF LIFE  CULMINATING ACTIVITY THAT APPLIES MUCH OF THE CONTENT TO A SERIES OF LIFE EVENTS  SETTING A BUDGET AND RESPONDING REFLEXIVELY TO LIFE’S SURPRISES  ADDRESSES JOB CHANGES, MARRIAGE AND DIVORCE, ADDITIONS TO THE FAMILY, AND BANKRUPTCY  CAN BE PLAYED IN A SHORT AND LONG VERSION, AND CAN BE ADJUSTED FOR DIFFICULTY

13. DEVELOPING READING SKILLS  Provides an introduction to fundamental economic and personal finance concepts through the entertaining travails of 12 year old Duane.  Power point presentation and a series of reading and vocabulary comprehension activities meant to strengthen student literacy while teaching the course concepts.

14. SECURING A COURSE CODE FROM FLDOE Career Research and Decision Making (#1700380) THERE IS CURRENTLY NO PERSONAL FINANCE COURSE OFFERED IN THE SOCIAL STUDIES FLORIDA COURSE CODE GUIDE. THE ENLIGHTENED BELIEVE THAT IT IS SATISFACTORY TO BURY IT IN THE ECONOMICS CURRICULUM