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Introduction to Earning Interest: What are APR and APY?

For Teachers 7th - 8th
Students explore saving and investing money.  In this middle school personal finance lesson plan, students define and use investment vocabulary, explore compound interest and its effect of savings, and compute simple and compound...
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Division word problems

For Students 5th - 8th
In this division activity, learners complete division problems dealing with money, basic problems, and more. Students complete 10 multiple choice problems.
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My Bank, My Decision!

For Teachers K - 2nd
Students create a three-part bank. In this savings lesson, students utilize the three-part bank to separate their spending needs, wants, and long term goals. Students share some of the money earned for donation. Students discuss the...
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Penny Jar

For Teachers K - 6th
Students collect pennies to donate to charity and calculate the number of pennies.  In this penny counting lesson, students group pennies in tens and count how many dollars and cents they have.  Students read a book about...
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Meet Molly, An American Girl

For Teachers 1st - 4th
Students examine saving and spending decisions in 1944 through the eyes of Molly, a nine-year-old growing up during World War II. The lesson uses Meet Molly, An American Girl, by Valerie Tripp.
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7 Ways for Gen Xers to Help Secure Their Retirement

For Teachers 9th - 12th
Students explore the concept of budgeting. In this budgeting lesson, students read an article about preparing for retirement. Students create a budget of household expenses during retirement and create a savings plan for that budget.
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Living on a Fixed Income

For Teachers 11th - Higher Ed
Students examine living on a fixed income. In this financial analysis lesson plan, students discuss living on a fixed income and discuss wants and needs. Students research money saving tips and create a PowerPoint about the topic....
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Banking Basics

For Students 9th - 12th
Students examine ways to make money grow through banking basics. In this banking basics lesson, students identify the types of bank accounts and explore the different types of accounts. Students work in pairs to create pamphlets about...
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Cracker Design

For Teachers 6th - 8th
Middle schoolers are presented with the following problem: A cracker manufacturer has been losing money and has to find a way to save her factory. They are given the task to design a new shape for the cracker manufacturer so that as...
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Investment Investigator

For Teachers 9th - 12th
Students investigate and model how to invest money. In this business instructional activity, students investigate 4 methods to investment. They discuss risky and safe investment.  
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Making Good Investments

For Teachers 9th - 12th
Students compare different aspects of investing money from traditional savings accounts to money market accounts. They research investment accounts at local banks and compare them.
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"Tarantula Shoes," by Tom Birdseye

For Teachers 2nd - 8th
Students read a book and explore spending, saving, opportunity cost, and trade-offs. They keep a diary of expenses to track their spending and examine their opportunity costs.
Worksheet
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Shopping With a Circle Graph

For Students 3rd - 5th
In this shopping with a circle graph worksheet, students use the data in the graph to answer 8 questions about the money they have and how they can spend it.
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Pound A Poem

For Teachers 3rd - 6th
Students participate in various poem-related lessons to learn how they can make a difference in the lives of people they don't know. In this poetry lesson, students discover that this pound a poem competition is about raising money for...
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Wealth of Wisdom

For Teachers 3rd - 10th
Students determine what to do with money. In this personal finance lesson, students discuss budgeting, savings, and loans with their instructor. Students then participate in classroom activities that require them to participate in...
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Literature: Yoshiko Uchida Unit

For Teachers 6th
Sixth graders read the books, The Invisible Thread: An Autobiography by Yoshiko Uchida and Baseball Saved Us by Ken Mochizuki about Japanese Americans during World War II. They hold discussions, take quizzes, and write essays about the...
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Needs and Wants

For Teachers 5th - 6th
Students demonstrate responsible consumer choices. In this social studies lesson, students read The Lorax and discuss wants and needs. Students discuss how to save natural resources by making informed consumer choices.
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Investing

For Teachers 8th - 10th
Students collect data on investments and draw conclusions. In this algebra lesson, students analyze exponential graphs as they relate to money. They discuss the cause of an account balance being high or low.
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Pay Credit When Credit is Due

For Teachers 9th - 12th
High schoolers explore the concept of credit. In this credit lesson, students examine student organizers that focus on credit scores and credit history. High schoolers participate in an on-line activity. Students examine credit card...
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The Meaning of Exponents

For Teachers 9th - 11th
In this algebra worksheet, students calculate problems dealing with exponents as it relates to money and savings, bacterial growth and paper folding. There are 3 different sections with questions.
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Corn in Ancient America

For Teachers 6th - 8th
Students explore the importance of corn to the survival of early civilizations of the Americas. Through research and discussion activities, they read and describe how corn was used as food and currency in early civilizations. They...
Handout
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Numbers

For Students 2nd - 4th Standards
The written form for 345 is three-hundred forty-five, where as the word form for 70% is seventy percent. Here, young mathematicians read 10 sentences and write the word form of each number in the sentences.
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You Can Bank on Me!

For Teachers K - 2nd
Students identify reasons people choose to donate. In this donating lesson, students contrast the words spend, save, and donate. Students learn a song about donating, brainstorm reasons to give, and make sound choices with their money.
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Summer Trip

For Teachers 7th
Seventh graders utilize the Internet for use of search engines to plan a trip. They research and develop expenses for a trip and divide and round the cost of things to the nearest tenth.

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