In this 60-minute lesson, students will be able to:
- Discuss what goes into practicing good computer security
- Explain the concept of and common tactics used in phishing scams
- Identify clues that would tip them off that something is a scam

Students will be able to
- Explain why scholarships and grants should be their 1st pick when looking for and accepting financial aid
- Understand the difference between scholarships and grants
- Find scholarships and grants that they are eligible for
- Identify signs of scholarship and grant scams and steps to take to protect themselves

Lesson time: 140 Minutes

Students will be able to:
-Establish criteria for choosing a credit card, based on the factors important to their needs
-Recognize and avoid marketing schemes that might lead to bad decisions
-Identify alternative routes to establishing credit, aside from opening their own credit card account

NOTE: Document is titled 9.4 Select a Credit Card

ANSWER KEY LINKS: Create a Next Gen Personal Finance (NGPF) account to access answer keys. They will be listed under the Full Year Curriculum tab.

Students will be able to:
-Compare different savings vehicles such as a savings account, CD, and money market account
-Identify important criteria to consider when selecting a savings account
-Make a systematic and informed decision by gathering, evaluating, and comparing information

Students will be able to:
-Compare and contrast banks and credit unions
-Consider different features, fees, and requirements of checking accounts at various banks and choose the options that are best
for them, personally
-Understand the specific “perks” and requirements of a student checking account
-Conduct online research to select a checking account
-Enumerate what paperwork is required to open a checking account

Estimated Lesson Time: 45 minutes

Students will be able to:
-Understand how social media can influence spending habits
-Analyze marketing techniques from social media and advertising that encourage spending

ANSWER KEY LINKS: Create a Next Gen Personal Finance (NGPF) account to access answer keys. They will be listed under the Full Year Curriculum tab.

Estimated Lesson Time: 75 minutes

Students will be able to:
-Discuss the cognitive bias of loss aversion and how we feel the effect of losses more than gains
-Make decisions that involve risk and the possibility of loss
-Analyze loss aversion from the perspective of consumers and investors
-Choose strategies that will help overcome loss aversion

ANSWER KEY LINKS: Create a Next Gen Personal Finance (NGPF) account to access answer keys. They will be listed under the Full Year Curriculum tab.

Students will be able to:

Explain how young people can start investing responsibly
Outline the process of investing using a custodial account
Analyze an index fund’s fact sheet

In this 140-minute lesson, students will be able to:
-Read a pay stub and understand how taxes and other deductions are withheld to calculate your net pay
-Complete employee paperwork to initiate tax withholdings, direct deposit, health insurance, and 401(k) contributions

Students will be able to:

Discuss the basic elements of the stock market
Explain upward and downward trends (bear vs. bull) in the stock market
Analyze several firms’ performance in the S&P 500 over various periods of time

Students will be able to:

Compare the difference between stocks and bonds
Evaluate when it would be beneficial to invest in stocks and bonds
Decide how much someone should invest in stocks and bonds based on personal goals and risk tolerance

Students will be able to
- Understand the rising national trends in student debt
- Compare federal and private loans and explain what it means to take out each type of loan
- Identify various strategies they can use to be a responsible borrower
- Analyze three student profiles to determine the best course of action to take for their student loans

Estimated Lesson Time: 140 Minutes

Students will be able to:
-Make informed decisions about how much student loan debt to take on, based on college costs and projected salary upon graduation
-Explain the difference between private and Federal loans, and the various types of Federal loans, and when to use each
-Select the best repayment option to minimize total amount paid while also keeping monthly payments reasonable within a budget
-Learn strategies for avoiding default, including whether consolidation is an appropriate option

Students will be able to:
- Explain where income taxes are collected from and how they provide revenue for public expenses
- Describe how the progressive tax code, current tax brackets, and different taxes between states lead to individuals paying varying amounts of taxes

Estimated Lesson Time: 120 Minutes

Students will be able to:
-Explain the fundamental features of a personal loan, including where to find one and how to apply
-Explore the peer-to-peer lending market as an alternative to traditional banks
-Understand the potential pitfalls of borrowing from family and friends, a personal 401(k), or a payday lender

ANSWER KEY LINKS: Create a Next Gen Personal Finance (NGPF) account to access answer keys. They will be listed under the Full Year Curriculum tab.

Learning Objectives
Students will be able to
Explain what a bond is and the pros and cons of investing in bonds
Understand the various factors that can influence bond prices such as interest rates
Identify the difference between an individual bond and a bond fund
Read a bond fund fact sheet

Approximate Time
Lesson length: 90 mins

Learning Objectives
Students will be able to
Describe what stocks are, how you can earn profit from stocks, and the risks of investing.
Summarize long-term trends in the stock market
Analyze the performance of individual stocks over time
Consider how personal values may influence investing decisions

Approximate Time
Lesson length: 130 mins

In this 60-minute lesson, students will be able to:
- Analyze monthly household expenses
- Explain the benefits of using a budget
- Create a sample budget

Students will be able to
- Understand what makes a strong business idea
- Brainstorm your own business ideas
- Identify characteristics of successful entrepreneurs

Learning Objectives
Students will be able to
Discuss best practices how to prepare for the psychological elements of investing
Determine your investor profile based on time horizon and risk tolerance
Discuss specific investing strategies
Understand what a brokerage account is and how to open one
Demonstrate your understanding of investing strategies by creating a simulated portfolio

Approximate Time
Lesson length: 175 mins