Students will be able to:

-Explain what is a credit score
-Explain what factors affect a person’s credit score
-Demonstrate behaviors that can positively or negatively affect a person’s credit score

Lesson Length: 60 mins

Students will be able to:

-Explain what is an elevator pitch and why it is important
-Discuss best practices throughout the entire application and interview process
-Demonstrate their skills in the areas of dress, elevator pitches, and job applications

Lesson Length: 60 mins

Students will be able to:

-Discuss different ways to prepare for a job interview
-Discuss best practices for a person’s first job interview
-Analyze popular interview questions

Lesson Length: 60 mins

Students will be able to:

-Explain the concepts of credit, interest, and loans
-Compare the similarities and differences between credit and debit cards
-Analyze the key differences between credit and debit cards that make one more beneficial than the other in certain situations

Lesson Length: 60 mins

Students will be able to:

-Explain how a loan’s principal, interest rate, and term affect the overall cost of the loan
-Explain beneficial ways to prepare for taking out a loan and where to apply for one
-Calculate the total cost of a loan with different credit scores

Lesson Length: 60 mins

Students will be able to:

-Identify what things colleges are looking for when evaluating applicants
-Discuss the purpose of a high school transcript and how they’re affected by Honors, AP, and IB courses
-Create a 4-square that helps them plan their high school activity

Lesson Length: 60 mins

Students will be able to:

-Identify key elements to include in a resume
-Discuss best practices in creating a resume
-Analyze another person’s resume
-Write a first draft resume

Students will be able to:

-Explain the difference between soft skills and hard skills
-Identify soft skills that are strong and those that are an area for improvement
-Demonstrate the use of soft skills in a group activity

Lesson Length: 60 mins

In this 45 minute lesson, students will be able to

Define philanthropy, charity, volunteering, and other terms that are associated with giving
Identify the various ways someone can be a philanthropist
Analyze your giving preferences and biases through an interactive simulation
Reflect on how you can contribute to a cause you care about

Estimated Lesson Time: 120 minutes

Students will be able to:
-Generate a list of responsible strategies that can be used by an individual to pay down and eliminate their debts
-Explain the difference between High Rate and Debt Snowball repayment methods
-Decide whether credit counseling, the FTC, or the CFPB could help them manage debt
-Understand the consequences of not paying one’s debts and the choices of last resort for out-of-control debt

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 risk is and its role in investing
Analyze effective strategies to manage investment risk
Identify which strategies you might use to manage risk when you start investing

Approximate Time
Lesson length: 105 mins

Learning Objectives
Students will be able to
Discuss the function and growth of robo-advising, along with its relationship with human investment managers
Explain the function, pros, and cons of micro-investing
Identify best practices to use when evaluating a mobile investing app
Understand the capital gains tax and how it applies to gains realized through modern investing tools
Compare modern investing tools

Approximate Time
Lesson length: 95 mins

Estimated Lesson Time: 95 Minutes

Students will be able to:
-Understand how down payment, interest rate, term, loan type, and amortization table work together to impact overall mortgage payments
-Recognize the pros and cons of fixed- and adjustable-rate mortgages
-Determine whether a home equity loan or line of credit is a viable loan option
-Decide whether renting or buying makes the most sense

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.

In this 60-minute lesson, students will be able to:
● Categorize purchases into needs and wants
● Prioritize spending using a limited budget
● Adapt a budget based on changing financial circumstances

Students will be able to
-Explain the elements of a successful LinkedIn profile and create one of their own
-Craft an elevator pitch that presents their key skills succinctly
-Determine productive strategies to use in an informational interview

Students will be able to:
-Appreciate the range of online and mobile banking services available to help manage and fully utilize their checking account
-Explain what direct deposit is, how they sign up for it, and why it could be beneficial
-Use online bill pay
-Understand the advantages and disadvantages of digital wallet payments such as Apple and Google Pay
-Identify ways they can protect their checking account when using online and mobile banking

Students will be able to:

Develop a plan to talk to a parent or guardian about opening a savings account
Prepare for opening a savings account by determining what features are most important, what items they already have, and what items they’ll need to apply
Analyze a savings account statement

In this 90-minute lesson, students will be able to:
-Professionally negotiate your salary
-Describe key job benefits
-Compare multiple job offers based on a variety of criteria to determine the best fit
-How to react and next steps to follow if you do not get offered the job

Students will be able to
- Identify the quantitative and qualitative benefits of going to college
- Explain the importance of researching expected starting salaries when choosing a college and major
- Understand common costs associated with college
- Explain the difference between sticker price and net price
- Have a conversation with their parents or guardians about paying for college

In this 60-minute lesson, students will be able to:
- Compare the costs of private, public in-state, public out-of-state, and community colleges
- Calculate the difference between sticker price and net price of colleges
- Identify ways to lower the cost of college