NetWorth: Personal Finance
Education in Your Classroom
LINKing Up for a
Student’s Future
Oct. 1, 2009
Glade Springs
Oct. 9, 2009
Charleston
Oct. 15, 2009
Morgantown
What is NetWorth?
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An integration of personal finance knowledge
and skills into the core curriculum
The application of basic skills to real-world
situations for grades K-12
An element of the 21st Century Learning
Skills
Answers the questions: “Why do I have to
know this?” and “How will I ever use this?”
What NetWorth is not…
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It is not one more subject to be added to the
daily schedule.
It is not a personal finance class
It is not just a unit in the 12th grade Civics
class
It is not delivered by volunteers
It is not just pre-packaged curriculum created
by a wide-range of providers
History of NetWorth
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2006 WV Legislature mandated personal
finance education in high school
2007 – State Treasurer and State
Superintendent addressed State Board of
Education
2008 – Legislature provided seed money for
program development
2009 – Additional funding for pilot program
2009-2010 Pilot Program
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78 teachers in 35 counties
Pre- and post-test teachers and their
students
Implement a minimum of one instructional
guide
Develop additional guides/PBLs
Reflect on “what works”
Compile research results
The three components of NetWorth
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Core Curriculum
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Math
Social Studies
Language Arts
Developmental Guidance
Parental Involvement
Integration into Core Curriculum
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Instructional Guides
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Instructional Resources
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Developed by classroom teachers
Correlated to standards
Peer reviewed
Accessible on Teach 21
Link to lesson plans, activities, free resources
Vertical spiraling of skills
Addressed in statewide assessment measures
http://wvde.state.wv.us/instructionalguides/
Developmental Guidance
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Developed by school counselors
Minimum of four lessons per grade level K12
Delivered by school counselors OR advisors
in middle/high school advisor/advisee
program – 30-45 minutes each
Addresses academic, career, and
personal/social counseling standards
http://wvde.state.wv.us/counselors/networth-lessons.html
LINKS
Learning
Individualized
Needs
Knowledge and
Skills
Development of Lessons
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Format (same as LINKS)
Show template for Lesson plan and handouts
http://wvde.state.wv.us
Go to:
Go to:
Go to:
Go to:
Go to:
Other WVDE sites
LINKS Program
Counselors
LINKS Networth Curriculum
Networth Lesson Plans
Creating the Lesson
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Lessons were developed by counselors
Lessons are written thoroughly
Additional Resources given for each lesson
Parent or Extended type of activity
Interactive and Engaging
Instructs what, when and how
Lessons are stand alone however the lessons in
each grade are complimentary of each other
Sample Lesson Plan for Elementary
NetWorth LINKS Lessons K.1 & K.3
http://wvde.state.wv.us
Go to:
Other WVDE sites
Go to:
School Counseling
Go to :
School Counselors
Go to:
Networth Curriculum
Go to :
Networth Lessons
Sample Lesson Plan for Middle School
NetWorth LINKS Lesson 6.3
http://wvde.state.wv.us
Go to:
Other WVDE sites
Go to:
LINKS Program
Go to:
Advisors
Go to:
LINKS Curriculum
Go to:
Lesson Plans
Sample Lesson Plan for High School
NetWorth LINKS Lesson 10.4
http://wvde.state.wv.us
Go to:
Other WVDE sites
Go to:
LINKS Program
Go to:
Advisors
Go to:
LINKS Curriculum
Go to:
Lesson Plans
The role of the counselor
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Deliver four 30-45 minute lessons to each
class/grade level annually
Collaborate with classroom teachers and
administrators to develop parent involvement activity
At middle and high school, coordinate with
Advisor/Advisee Program
Addresses state and national counseling standards
and 21st Century Partnership
Parent Involvement
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Culminating activity for each grade level
Developed by team of educators
Planned and delivered by teachers,
counselors, school administrators
Can be during school hours or after school –
approximate 1 ½ - 2 hours
Parents and students participate together
Special Projects
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Stock Market simulation
Principles of investing
First Steps to NetWorth
Advanced credential
Finance University
Community engagement
The Partners
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West Virginia State Treasurer’s Office
West Virginia Department of Education
West Virginia State Auditor’s Office
AND
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WV Attorney General
First Lady
Government agencies
Non-Profits
Financial Institutions
Why NetWorth?
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Provide students with money management,
investing, budgeting and saving skills
Allow students to plan for their future beyond
high school
Prevent students from falling into the “debt”
pit before they have an income
Instill importance of personal finance
knowledge and skills
http://wvde.state.wv.us/instructional
guides/
http://wvde.state.wv.us/counselors/
networth-lessons.html
Lynn Bennett
NetWorth Program Manager
lynn.bennett@wvsto.com
304-842-4166
Cell – 304-282-2427
John D. Perdue, West Virginia State Treasurer
West Virginia State Treasurer’s Office
1900 Kanawha Boulevard East
Charleston WV 25305-0860
800-422-7498
NetWorth@wvsto.com