1. Understanding Interest & Investments

2. Do Now: O If you could have $100 right now or $150 in one year what would you choose? Why? Discussion…Factors/Decisions O Big factors= current versus future wants and needs O In our financial lives sometimes waiting often means the opportunity to make more money!!

3. Strategies O Can you think of any money management strategies that involve waiting to spend money in order to grow the initial amount? O Saving and investments- can make you money because of interest and rate of return O Interest= percentage of money earned on top of original investment. O Rate of Return= Amount gained or lost on an investment over time, expressed as a percentage of the initial amount invested or the principal!

4. High and Low Risk O when determining how to manage your money, it’s important to consider the risks and rewards involved. For example, savings options such as Certificates of Deposit (CDs) offer guaranteed interest rates, making them low-risk; O It can often take a long time for money to grow because the interest rates are lower. O Investing options offer higher rates of return, but they can be variable, meaning they change over time and can be more of a risk.

5. Investing Tips O Activity Sheet O Class discussion on Pros, cons, risks and rewards Video O http://www.youtube.com/watch?v=rDNew69Dkbw&f eature=related http://www.youtube.com/watch?v=rDNew69Dkbw&f eature=related O What does this video say about the stock market? O Higher risk = high rewards but at the same time can be subject to greater loss

6. What’s my Interest? Group Activity Worksheet 15 minutes…Begin! **After… Class review of the worksheet

7. Power of Investing O http://www.youtube.com/watch?v=S_M996Djcf8http://www.youtube.com/watch?v=S_M996Djcf8 O work in groups of four to five and brainstorm why Damon’s investing methods are successful. What strategies does he use and why? O What factors does he consider when making investments? O What advantages does Damon have by starting to invest while young?

8. Video discussion O After you are done discussing, each group will discuss their findings with the class. O Damon utilizes several strategies O Maintaining a diverse portfolio of stocks in different industries. O Reading analysis reports on each stock. O Finding Companies that match his values. O Finds investments that offer compound returns.

9. Young Age investing O By investing young like Damon you can maximize your long term savings and increase wealth over time. O How much did Damon say he was worth in the video? O $50,000

10. Reflection O On a piece of paper please answer this question… O Discuss Different forms of saving and investing, and how can you invest wisely like Damon? O What investment strategies will you consider using in your future and what factors will go into your decisions? Return to me before you leave class!