What's Up In Finance?
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In todayís complex world, young people need financial savvy more than ever. Yet recent studies show that financial literacy among young people is at an all-time low. How bad is the problem? Consider this: the number of 18- to 24-year-olds declaring bankruptcy has increased 96 percent in 10 years. University administrators now say they lose more students to credit card debt than to academic failure. A firm grasp of finance can make the difference between success and struggle while opening up a wider variety of career options.

This Educatorís section tackles four key financial concepts: financial management, credit, risk, and interest. The four online lesson plans, below, are comprehensive and media-rich, engaging students directly with downloadable video segments and interactive Web resources. The downloadable Teacher's Guide, to the right, offers several additional stand-alone activities that can be accomplished in one or more class periods. All the resources in this section are designed for immediate use in middle and high school classrooms, and adhere to national learning standards. Feel free to adapt the materials to meet your students' needs and your own curricular goals.

Lesson Plans
Title: INVEST IN YOURSELF
Grade Level: 7-12
Subject Area: Math, Finance, Economics


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In this lesson, students will learn personal financial management strategies based on budgeting. Students will learn the theoretical concepts involved with budgeting and financial management, including income, expenses, savings, and debt.

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Title: THE BUSINESS OF INTEREST
Grade Level: 7-12
Subject Area: Math, Finance, Economics


Photo of Anna Cohen.

In this lesson, students will develop an understanding of interest, learn how to calculate interest on loans, and comprehend that interest is added onto the principal of the loan and can necessitate additional income for repayment.

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Title: PAY CREDIT WHEN CREDIT IS DUE
Grade Level: 7-12
Subject Area: Math, Finance, Economics


Photo of Anna Cohen.

In this lesson, students will learn about credit cards and credit scores. They will investigate and comprehend the concepts of credit and credit ratings, or scores.

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Title: RISKY BUSINESS -- OR NOT!
Grade Level: 7-12
Subject Area: Math, Finance, Economics


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In this lesson, students will learn about stocks and understand what it means to buy stock in a company. Students will develop an understanding that investing in a company's stock involves risk, and will also learn factors that make a company risky.

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