INSTRUCTOR’S GUIDE

► The course I am about to share with you is the first of its kind in the state of Florida.
► This is a curriculum to develop financial literacy, but it is blended, meaning that a great deal of support will be delivered via a computer.
► It will occur in a traditional classroom, so the teacher is there at all times to instruct.
► Students satisfy the requirement that they take an on-line course before graduation.

“ SCHOOLOGY”
PLATFORM
The course content, instructions, activities, resources and assessments will all be housed on a user friendly web-based platform that instructor and student will start from each day.

BEFORE THE
SEMESTER BEGINS,
YOU MUST REGISTER
YOUR STUDENTS AND
ORDER BOOKS. THIS
REQUIRES NO
EXPENSE, BUT WILL
PROVIDE THE ACCESS
TO RESOURCES AND
CONTENT.



ORDER BOOKS
FINANCIAL FREEDOM
NAVIGATE: EXPLORE
COLLEGE & CAREER
 Set up rosters to generate access codes for Schoology, Everfi and
Econlowdown sites.
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 www.schoology.com
https://takechargetoday.arizona.
edu http://floridasms.com/ www.econlowdown.org
https://www.practicalmoneyskill
s.com/foreducators/lesson_plan s/highschool.php
http://apps.irs.gov/app/understa ndingTaxes/teacher/index.jsp
www.handsonbanking.org
www.quizlet.com
www.everfi.com
WEB RESOURCE
ACCESS

COURSE OUTLINE
Is it Anti- American to deprive yourself?
Unit One/The Economics of Personal Finance
Choice, Opportunity Cost, Incentives, Goals, P.A.C.E.D. Decision Making Grid,
Budgeting, Wonderful Life
Unit Two/Managing Your Money
Earning Income: Human Capital, The Value of Education to Career Development,
Interpreting a Paycheck, Alternative Sources of Income
Buying Goods and Services: The Opportunity Cost of Spending, Financial
Elements of Consuming, Persuasive Advertising, Short-term Utility vs. Long-term
Consequences
Unit Three/Banking Basics
Types of Financial Institutions, Banking Products, Checking Accounts, Savings
Accounts, Certificates of Deposit, Money Market Accounts, How to Write a
Check, On-line Banking
Unit Four/Saving and Investing
Why Do People Save and Invest and Why is it So Difficult?, Risk/Reward
Pyramid, Types of Investments, Stocks, Bonds, Mutual Funds, 401K, 529 Plans,
IRA, Yield, Growth, Income, Cyclical, Defensive

Unit Five/Credit
What is Credit?, Types of Credit, Credit Report, Credit Score, Benefits and
Costs of Credit, Impact of Risk and Behavior on the Cost of Credit, Annual
Percentage Rate, Alternative Financial Services
Unit Six/Automobiles and Auto Financing
Total Cost of Buying a Car: MSRP, Taxes, Credit Costs, Maintenance, Gasoline,
Insurance, Comparison Shopping
Unit Seven/Managing Risk
Insurance: Why Buy it?, Alternatives, Types of Insurance, How Insurance Works,
How Do You Know How Much to Buy?
Impact of Taxes and Inflation on Wealth Accumulation, The Cost of Smoking on
Wealth and Health.
Unit Eight/Exploring College and Careers
Exploring Careers, What About College?, How Do I Get In?, How Much Does
College Cost?, Paying For College?, Future Paths.

HIGHLIGHT: IT’S A
WONDERFUL LIFE
5 slides
1)
2)
3)
4)
5)
Title, personal picture of you doing something you love to do, name and period
Biography: name, age, what do you love to do?, what career might involve your passion?, what is the average salary of someone in that career?
Dream house and vehicle, pictures of them and description (why are they so dreamy?)
Where in all the world would you like to live? Why and pictures of the place.
Charities or causes you want to give back to when you achieve this wonderful life. Describe why these are important to you.

 SMOKING
 HEALTH CARE
 WORLD TRAVEL
 DIET AND FITNESS
 RUNNING A
BUSINESS
 TAXES AND
INFLATION ON
WEALTH
EACH OF THESE ACTIVITIES INVOLVE
A GREAT AMOUNT OF MATH PRACTICE

RESEARCH AND COMPARE
MSRP
BOOK VALUE
INSURANCE
FINANCING
GAS COSTS
CAR PAYMENTS
LEASING
AUTO LOAN OPTIONS
TRADE IN
USED CAR
WARRANTY

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TEN WEEK STOCK
INVESTING SIMULATION
$50,000 INVESTED IN
THE STOCK OF TEN
COMPANIES
USE SPREADSHEETS
PERFORM A
PORTFOLIO ANALYSIS
TRACKING FROM
PURCHASE TO SALE
PRIZES FOR THE
WINNING PORTFOLIO IN
EACH CLASS


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CULMINATING ACTIVITY
THAT APPLIES MUCH OF
THE CONTENT TO A SERIES
OF LIFE EVENTS
SETTING A BUDGET AND
RESPONDING REFLEXIVELY
TO LIFE’S SURPRISES
ADDRESSES JOB CHANGES,
MARRIAGE AND DIVORCE,
ADDITIONS TO THE FAMILY,
AND BANKRUPTCY
CAN BE PLAYED IN A SHORT
AND LONG VERSION, AND
CAN BE ADJUSTED FOR
DIFFICULTY

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Provides an introduction to fundamental economic and personal finance concepts through the entertaining travails of 12 year old Duane.
Power point presentation and a series of reading and vocabulary comprehension activities meant to strengthen student literacy while teaching the course concepts.

SECURING A COURSE
CODE FROM FLDOE
Career Research and Decision Making
(#1700380)
THERE IS CURRENTLY
NO PERSONAL
FINANCE COURSE
OFFERED IN THE
SOCIAL STUDIES
FLORIDA COURSE
CODE GUIDE.
THE ENLIGHTENED BELIEVE THAT IT IS SATISFACTORY
TO BURY IT IN THE ECONOMICS CURRICULUM