4/6/20 - Extended E-Learning

Hello everyone, I hope you are doing well. I miss you all!

Here is a link to our new April Agenda - this will link you to all your assignments and tasks for each week. Also, a Monthly Calendar showing my office hours.

You will also notice my set office hours. Please log in if you are able to.

Thanks, stay safe! Mrs. L

Monthly Calendar

3/17/20 - E-Learning Lessons

Welcome "back"!

e-Learning Agenda:

1. Click HERE to see your plan for the next 2 weeks of Consumer Education. 
2. You are welcome to work ahead but this should help to pace you over the 2 week time frame that you will out. 
3. PLEASE reach out to me if you need anything or have any questions. 

3/13/20 - Day 46 - Banking Options

Bellwork:

Are you done with your chart from yesterday?  

• What questions do you have?

Objectives:

• Analyze the appropriate use for different banking services
• Differentiate between a bank and a credit union

Agenda:

1. Schoology Info & Update
2. Finish Banking Services doc
3. Bank Accounts
• Banking Services Scenarios
• You may want to keep your chart open
4. Commercial Banks vs Credit Unions

3/12/20 - Day 45 - Banking Services

Bellwork:

What are some different things for which you/your family currently uses a bank?

Class Objectives:

• Investigate different accounts/services offered by banks

Agenda:

1. Coronavirus Financial Impact? 
2. Banking Services
• Complete this chart by using online resources.  The first two rows have been done as an example for you.  You will need this chart completed for tomorrow's activities

3/11/20 - Day 44 - Writers Week

Bellwork:

Today we will be in the auditorium for Writers Week presentations.

Agenda:

1. Writers Week

3/10/20 - Day 43 - Banking Intro

Bellwork:

Think about this question- why is it better to keep your money in a bank than anywhere else (i.e. in a shoebox under your bed, etc.)?  

Objectives:

• Explain why it is better to put money in a bank than keeping at home
• Describe the role of the FDIC

Agenda:

1. As we watch the below videos, be prepared to answer the corresponding questions!
• The Bank Run
• How do banks work?
• Your Bank Has Failed- The Role of the FDIC
• How does this relate to the question in bellwork?  Why use banks?
• What is the role of the FDIC?
• How does this relate to your role as a consumer?  What should you do with this information?
2. What did you spend over the weekend?  Track it in your EveryDollar Budget!

3/9/20 - Day 42 - Writers Week

Bellwork:

Today we will be in the auditorium for Writers Week presentations.

Agenda:

1. Writers Week

3/6/20 - Day 41 - Life or Debt

Bellwork:


Reminder, report cards are DUE next week.

Objectives:

• Evaluate financial decisions of others
• Learn financial management techniques

Agenda:

1. Life of Debt

3/5/20 - Day 40 - Budgeting Quiz

Bellwork:

Open your review guide - what questions do you have before your quiz?

Objectives:

• Apply the concepts of budgeting

Agenda:

1. Budgeting Quiz
2. Coronavirus - Budgeting Article
3. EveryDollar.com - you should have the budgeted portion complete AND actual numbers in there. 
4. Spent Budgeting Simulation - play around and see which tough choices you have to make. 

3/4/20 - Day 39 - Budgeting Review

Bellwork:

Open your review guides from yesterday. Ensure they are in your Consumer Ed folders.

Take a look at Steve's Budget.

Objectives:

• Review the budgeting unit information. 

Agenda:

1. Check your grades - what are you missing? Turn in missing assignments. 
• Report Card grades are DUE next week
2. Budgeting Review Guide
• Quiz TOMORROW
3. EveryDollar.com Tracking

3/3/20 - Day 38 - Budgeting Review

Bellwork:

I am not here today, please follow the agenda below.

Objectives:

• Review the budgeting unit information. 

Agenda:

1. Check your grades - what are you missing? Turn in missing assignments. 
• Report Card grades are DUE next week
2. Budgeting Review Guide
• Quiz Thursday

2/28/20 - Day 37 - The Bean Game

Bellwork:

Wrap-up the Budgeting for Income & Expenses Mint Simulation from yesterday

• Don't forget about the reflections questions on the last page

Objectives:

• Identify different considerations for budgeting
• Analyze a specific budget to make decisions

Agenda:

1. The Bean Game
2. EveryDollar.com check-in
• Show me your set-up budgets in EveryDollar!

2/27/20 - Day 36 - Mint Simulation: Budgeting for Income & Expenses

Bellwork:

Log in to your Mint account

• THESE were the instructions you had to follow to set-up the account (it includes the suggested password).  Remember, you MUST be on the same device you were on when you set-up the account or you WILL NOT be able to access it and will have to set-up a new account.

Objectives:

• Identify different considerations for budgeting
• Analyze a specific budget to make recommendations

Agenda:

1. Budgeting for Income & Expenses: Mint Simulation
• You will get a packet from the sub
• Hold on to these packets until I am back tomorrow
• Follow ALL instructions listed to work through analyzing Scott's budget

2/26/20 - Day 35 - Revising a Budget

Bellwork:

I am out again today,please take a moment to complete the items on the agenda below. 

Objectives:

• Revise a budget based on different priorities

Today's Agenda:

1. Revising a Budget (paper copy)
• Where do you revise?
2. Revise Budget Busters

2/25/20 - Day 34 - Setting Up a Budget

Bellwork:

I am not here today. Please follow the agenda below.

Objectives:

• Set up a budget given a specific financial situation so that the income equation balances

Agenda:

1. Setting Up A Budget (paper copy given in class)
• Class discussion- why is it important to set up a budget?
2. Budget Busters - check yourself!

2/24/20 - Day 33 - Budgeting Equation

Bellwork:

What was the tax scenario that Victor talked about in the last episode of Life or Debt?

Objectives:

• Label the different components of a budget
• Describe the process of setting up a budget

Agenda:

1. Spending Plans 
• The Budget Equation
2. Family budget categories
• 50-30-20 Rule
3. Budget Tools- Which one would YOU pick? Why?
• Continue building your planned budget in EveryDollar.com

2/21/20 - Day 32 - Life or Debt

Bellwork:


Reminder, we are on an alternate schedule today 3A/3B, we leave 1st at 8:15am.

Objectives:

• Evaluate financial decisions of others
• Learn financial management techniques

Agenda:

1. Life of Debt

2/20/20 - Day 31 - Budgeting

Bellwork:

Take out your Mint packet from yesterday. 

Objectives:

• Explore online financial management tools

Agenda:

1. Review of Mint - Scott
2. Slides: Budgeting Intro 
3. Expenses Sort
4. Track Your Expenses

2/19/20 - Day 30 - Budgeting

Bellwork:

Take out your Mint packet from yesterday. 

Objectives:

• Explore online financial management tools

Agenda:

1. Review of Mint - Scott
2. Slides: Budgeting Intro 
3. Expenses Sort
4. Track Your Expenses

2/18/20 - Day 29 - Intro to Budgeting

Bellwork:

Follow THIS Step-by-Step guide to set up an account in Mint

• In order to access this account again, it MUST be done on the same device, so DO NOT USE A LOANER

Objectives:

• Explore online financial management tools

Agenda:

1. Why budget? Who budgets?
2. Introduction to Mint
• Peer Grading

2/14/20 - Day 28 - Tax Quiz

Bellwork:

Check out your review guide, what questions do you have?

Objectives:

• Test your tax knowledge

Agenda:

1. Tax Quiz - Schoology
2. Missing work/quizzes

2/13/20 - Day 27 - Quiz Review

Bellwork:

Open your review guide.

Objectives:

• Review the forms needed for taxes.

Agenda:

1. Review of Tax Forms (who completes them and when?)
• W-4
• W-2
• 1099-INT
• 1040
2. Finish Tax Unit Review Guide
3. Tax Quiz - TOMORROW
4. Earned Income Tax Credit - article

2/12/20 - Day 26 - Submitting Taxes

Bellwork:

I am not here today, please follow the agenda below!

Objectives:

• Explain the items that affect a person's tax refund

Agenda:

1. Finish Working with 1040s - Assignment
• Submit in Schoology
2. Begin Tax Unit Review Guide
3. Tax Quiz - FRIDAY

2/11/20 - Day 25 - Submitting Taxes

Bellwork:

Make a copy of this practice form

Objectives:

• Identify the purpose of filling out a 1040 form
• Explain the items that affect a person's tax refund

Agenda:

1. Form W-2 Check for Understanding - Reading a W-2 Form
2. Working with 1040s
• Practice
• Assignment
3. Tax Quiz - FRIDAY

2/10/20 - Day 24 - Filing Taxes

Bellwork:

Browse through these websites- what is the shared purpose for these sites?

• TaxAct
• TurboTax
• H&R Block
• Free File Online- IRS

Objectives:

• Identify items they need to prepare their tax return
• Explain the different ways they can file their taxes
• Understand the purpose of a W-2 form and how to use it to file their taxes
• Explain how to make a tax payment if taxes are owed

Today's Agenda:

1. Ways to File Your Taxes
• Pros & Cons
2. Form W-2
• Class Jigsaw- example
• Reading a W-2 Form

2/7/20 - Day 23 - Life or Debt

Bellwork:


Please check Home Access, complete any missing work. If you have not already taken the Smart Consumer quiz, please be ready to go.

Objectives:

• Evaluate financial decisions of others
• Learn financial management techniques

Agenda:

1. Life of Debt

2/6/20 - Day 22 - Tax Forms

Bellwork:

Take a look at this graph and be ready to discuss what you see!

Objectives:

• Identify important dates of the tax cycle
• Understand the difference between common tax forms
• Explain the purpose of a W-4 and how it impacts their paycheck
• Analyze and understand the fine print of a sample W-4

Today's Agenda:

1. Tax Forms Research (paper copy)
2. W-4 Form
• What is it?
• Reading a W-4

2/5/20 - Day 21 - Ask the Expert Day

Bellwork:

Please find your seat, we will head to the auditorium shortly.

Objectives:

• Learn from professionals.

Agenda:

1. Ask the Expert Day - Speaking Panel (Auditorium)

2/4/20 - Day 20 - Taxes & Teens

Bellwork:

Analyze this graph, using the questions at the bottom to guide your thinking (don't make a copy- we'll just discuss)

• Be ready to discuss your findings

Objectives:

• Explain why so few teenagers file taxes
• Identify common misconceptions about taxes and state the correct facts
• Identify what types of income are taxed
• Analyze a number of scenarios to determine who can be claimed as a dependent and if they need to file a tax return

Agenda:

1. Tax Facts
• Updated Figures
• How Much Do You Know?
• Class discussion
2. Filing Considerations
• Should They File a Tax Return?
• Tax Issues as Dependents and Self-Employed Workers (paper copy in class)

2/3/20 - Day 19 - Intro to Taxes

Bellwork:

1. Go to EdPuzzle using THIS link, you will need this for the next few unites. 
2. What do you think were the top 3 expenses the government paid for with our tax dollars in 2018?  Be ready to discuss!

Objectives:

• Explain where income taxes are collected from and how they provide revenue for public expenses
• Read a pay stub and describe the different deductions

Agenda:

1. Tax Dollars- where do they go?
• Interactive calculator
2. If Paychecks Could Talk
• What does FICA consist of?
• What are some examples of government discretionary spending?
• What are some examples of benefits we receive as a result of government spending?
3. How to Read a Paystub
• Check for Understanding

1/31/20 - Day 18 - Smart Consumer Qui

Bellwork:

I am not here today. Please follow the agenda below.

Objectives:

• Demonstrate knowledge of the Smart Consumer unit. 

Agenda:

1. Review your study guide, ensure it is in your Consumer Ed folder. 
2. Smart Consumer Quiz
3. Missing/Late Work

1/30/20 - Day 17 - Smart Consumer Review

Bellwork:

Ensure you have your items from yesterday completed.

Objectives:

• Review the Smart Consumer Unit.

Agenda:

1. Complaint Email Follow Up:
• Overall good tone
• Limit threatening language ("or I'll sue you")
2. Smart Consumer Quiz TOMORROW - Review Guide

1/29/20 - Day 16 - Right to Be Heard/Redress

Bellwork:

Feedback from Complaint Emails:

• PROOFREAD
• "I" is always capitalized.  Many other things require capitalization too.
• Know the difference between their, they're, and there
• BE SPECIFIC AND CONCISE
• What did you already attempt to get your problem solved?
• Many of your emails were WAY too long. At the very least, break up your email into multiple paragraphs.
• FORMATTING
• Paragraphs do NOT get indented in emails. Skip a line between paragraphs.
• The body of the email should be BELOW the greeting with a line skipped between.
• I got WAY too many emails without a subject line- this shows a lack of attention to detail and not enough professionalism.  While we're at it, the subject lines need to be more descriptive.
• If you have an auto-signature, you do NOT need to sign your name at the bottom- that just leads to your name being there twice.
• OTHER
• Address a specific person if possible, if not, use "To Whom It May Concern" or "Culver's Management"- do not just say "Dear Culver's"; the company is not a person. You could also just say "Hello".
• Don't tell them how to run their business.
• Don't put employee names in parentheses.

Objectives:

• Identify real-world examples of violations of consumer rights

Agenda:

1. Wrap Up Discussion: The Devil We Know
2. Complaint Email Revisions
3. Discussion Board: Online Reviews
• Post
• Respond to at least 3 classmates

1/28/20 - Day 15 - The Devil We Know Wrap Up

Bellwork:


I am not here today. Please follow the agenda below. We have a quiz on Friday so work diligently so you are ready. 

Objectives:

• Relate documentary to course materials. 
• Exercise our Right to Redress.

Agenda:

1. Complete the bottom portion of the Devil We Know Viewing Guide - ensure I can view this from your Consumer Ed folder. 
2. Right to Redress - Complaint Email 
• Writing a Complaint Email
• Use the planning doc to prepare a WELL WRITTEN email. 
• Send that email to me once you have it completed.

1/27/20 - Day 14 - The Devil We Know

Bellwork:

Skim this article. What are your thoughts?

Objectives:

• Observe examples of Consumer Rights in action. 

Agenda:

1. Drinking Water Contaminants - article discussion
2. Documentary: The Devil We Know
• Viewing Guide

1/24/20 - Day 13 - The Devil We Know

Bellwork:

Skim this article. What are your thoughts?

Objectives:

• Observe examples of Consumer Rights in action. 

Agenda:

1. Drinking Water Contaminants - article discussion
2. Documentary: The Devil We Know

1/23/20 - Day 12 - Consumer Safety

Bellwork:

Scroll through this list of 24 Stunningly Dumb Warning Labels

Objectives:

• Explain the purpose of different safety warnings
• Investigate ways to be informed about safety

Agenda:

1. How Safe are Everyday Items?
• Use the chart handed out in class
2. Waivers
1. Waterpark Death
2. What are you agreeing to???
• Epic Air
• Knockerball Chicago

1/22/20 - Day 11 - Recap

Bellwork:

Welcome back! I missed you all. Be prepared to share something about your long weekend! I saw from your emails that many of you did some great things!

Objectives:

• Catch up on assignments missing. 

Agenda:

1. Recap of:
• Consumer Protection Agencies 
• Ensure you complete the matching
• Selling Practices - Scenarios
2. Complete missing assignments. 

1/21/20 - Day 10 - Selling Practices

Bellwork:

I am not here today. Please follow the agenda below. This should all be complete BEFORE the end of the period.

Objectives:

• Differentiate between deception and fraud
• Examine different selling practices used by companies

Agenda:

1. Take a look at the Too Good to be True Hall of Fame
2. Watch the video at Amazon- Buyer Beware
3. Complete the Wrong, Illegal, Both, or Neither Scenarios (ensure this is in your Consumer Ed folder)
4. In an email to Mrs. Lakdawala answer the following questions:
• Is it deceptive for companies to sell products that make exaggerated claims? Shoes that can tone your butt, etc.
• Do you think it is ethical for Amazon to sell products that are of low quality or not up to standards of business practices in the United States?
• What is the difference between an unethical business practice and an illegal business practice? Provide an example.
• Tell me 1 think you did over the long weekend! :)

1/17/20 - Day 9 - Consumer Protection Agencies

Bellwork:

I am not here today. Please follow the agenda below.

Objectives:

• Examine the role of different consumer protection agencies

Agenda:

1. Consumer Protection Agencies (paper copy in class)
• Matching Quick Check (last item in the folder called "Consumer Protection Agencies- Matching")
• You CAN use the chart to help you complete this "quiz".  Chart needs to be turned in at the end of the period.

1/16/20 - Day 8 - Decision Making Process

Bellwork:

Think about decision making, what process do you take when making choices?

Objectives:

• Apply the rational decision making process when making choices
• Recognize the effects of decisions

Agenda:

1. Recap of your Right to Information
2. Basic Economics
• Decision Making Process (hard copy handed out in class)

1/15/20 - Day 7 - Right to Be Informed

Bellwork:

How did you decide which electives to take while in high school?

• Be ready to share your answer with the class!

Objectives:

• Identify different sources of information for consumers
• Assess the credibility/reliability of different sources

Agenda:

1. Sources of Information Scenarios
• Pros and Cons
2. Exit Ticket
• Identify a decision you have coming up - what is that decision and what sources of information will you use and why?

1/14/20 - Day 6 - Right to a Healthy Environment

Bellwork:

Take a look at the ACTUAL Consumer Rights
Objectives:

• Recognize the need for consumer education
• Investigate the effects of an unhealthy environment

Agenda:

1. Rights/Responsibility Brainstorm
2. The Right to a Healthy Environment