中學生金融、貨幣和經濟學 - 全年課程

Financial choice and Consequences - All in one package!!! Finances , earning, saving, investing while navigating through adult life scenarios in this interactive course.  Financial literacy is the ability to understand how to manage and invest money. 

In this full year course students participate is an interactive online virtual bank and investment simulation program that will immerse them in all things related to money. This Financial Literacy class creates an immersive experience for students to learn everything related to personal finance like savings, budgeting, paying bills, earning an income, investing and more. Students learn to navigate the ins and outs of personal finance and experience real world financial situations in a safe space, a classroom. 
Students experience real world money situations and navigate the ins and outs of everything related to personal finance like saving, budgeting, paying bills, earning income, investing and more. We live in a complicated financial system that is full of financial opportunity as well as financial traps, scams, and daily temptations to spend money. 

Students will experience actual financial situations with hands-on activities to learn how to manage virtual checking, savings and credit card accounts, invest, pay bills on time and spend wisely. Most adults, including myself, wish they had learned about managing their money in school and this program aims to do that. I'm so excited to add this interactive transformational tool to the classroom and have us all reap the benefits of a more financially literate future for our students.

2024 - 2025 SCHEDULE
Week of September 8   	Topic 1:  Introduction of Budget Simulation - Budget Game Actions
Week of September 15	       Topic 2:  Money Personality Quiz

Week of September 22  	Lesson 1.1: Introduction to Budgeting
Week of September 29	Lesson 1.2: Understanding Money & Wealth
Week of October 6		Lesson 1.3: Spending and Savings Plan
Week of October 13	        Lesson 1.4: Maintaining a Budget
Week of October 20	Lesson 1.5: Researching Purchases
Week of October 27	Lesson 1.6:  Long-Term Savings
Week of November 3	Lesson 1.7:  Buying a Home
Week of November 10 	Lesson 2.1: Intro to Investing
Week of November 17	Lesson 2.2:  How the Stock Market Works
Week of November 24	No Class - Holiday
Week of December 1	No Class - Holiday
Week of December 8	Lesson 2.3:  How to Research Stocks
Week of December 15	Lesson 2.4:  Different Types of Securities
Week of December 22	No Class - Holiday 
Week of December 29	No Class - Holiday
Week of January 5	Lesson 2.5:  How to Manage Your Portfolio
Week of January 12	Lesson 2.6:  Business Cycle
Week of January 19	Lesson 2.7:  Investing Overview
Week of January 26	Lesson 2.8:  Supplements
Week of February 2	Lesson 3.1 - Intro to Credit
Week of February 9	Lesson 3.2 - Buying a Car
Week of February 16	Lesson 3.3 - Other Types of Loans
Week of February 23	Lesson 3.4 - Credit Cards and Credit Reports
Week of March 1		Lesson 3.5 - Managing Debt
Week of March 8		Lesson 3.6 - Mid-Way Projects - Simulation Review
Week of March 15		Lesson 4.1 - Career & Income
Week of March 22		No Class - Spring Break
Week of March 29	Lesson 4.2 - Intro to Bank Accounts 
Week of April 5		Lesson 4.3 - Intro to Taxes
Week of April 12		Lesson 4.4 - Starting Your Career
Week of April 19		Lesson 4.5 - Building & Sharing Wealth
Week of April 26		Lesson 4.6 - Responsible Income & Spending Behaviors
Week of May 3		Lesson 5.1 - Insurance Basics
Week of May 10		Lesson 5.2 - Liability Insurance
Week of May 17		Lesson 5.3 - Health and Life Insurance
Week of May 25		Lesson 5.4 - Financial Decision Making
Week of June 1		Lesson 5.5 - Managing Financial Records
Week of June 8		Lesson 5.6 - Life After Graduation

NOTE TO PARENTS:  This is an interactive classroom, with guidance from teacher.  Students will have the opportunity to interact, socialize while learning to becoming financial responsible with their choices.  
Topic schedule is subject to change, awaiting Outschool's update lesson plan to the platform. 

Topic 1:  Introduction of Budget Simulation - Budget Game Actions
Topic 2:  Money Personality Quiz
Topic 3: Unit 1:   Unit Introduction - Budgeting, Saving, and Spending
Topic 4: Unit 2:  Introduction to Investing
Topic 5: Unit 3:  Credit Cards and Debt
Topic 6: Unit 4:  Employment and Income
Topic 7: Unit 5:  Financial Risks and Insurance
Topic 8: Starting your Own Business
Topic 9:  Basics of Accounting

Unit 1:  Budgeting and Spending Plans
In this lesson we will be learning about both budgets and spending plans.  
We will be able to tell what the different parts of each are and when to use either.  
We will be looking at other peoples’ budgets and saving plans to evaluate how to create one.  
We will leave with the tools and the skills to create our own personal budget and spending plan.
Lesson 1.1: Introduction to Budgeting
Lesson 1.2: Understanding Money & Wealth
Lesson 1.3: Spending and Savings Plan
Lesson 1.4: Maintaining a Budget
Lesson 1.5: Researching Purchases
Lesson 1.6:  Long-Term Savings
Lesson 1.7:  Buying a Home

By the end of the unit, students should be able to...
• Define budget and spending plan
• Identify parts of a budget and spending plan
• Create a personal and family budget
• Allocate funds into different sub categories

Unit 2:  Investing
In this lesson we will be learning about the basics of investing. 
We will learn about different types of investments such as stocks, mutual funds and bonds.  
We will assess the different risks that come with each type of investment and determine when it is a good idea to invest.  
We will learn the importance of researching companies and investing based on what we know. 
We will learn how to identify our financial goals and how to create an investment portfolio that works toward them.

Lesson 2.1: Intro to Investing
Lesson 2.2:  How the Stock Market Works
Lesson 2.3:  How to Research Stocks
Lesson 2.4:  Different Types of Securities
Lesson 2.5:  How to Manage Your Portfolio
Lesson 2.6:  Business Cycle
Lesson 2.7:  Investing Overview
Lesson 2.8:  Supplements

Students will progress through Assignments and Assessments as part of the PersonalFinanceLab curriculum library,  and begin building their portfolio in the PersonalFinanceLab Stock Game. Students will continue to progress through the PersonalFinanceLab Budgeting Game.

By the end of the lesson, students will:
● Understand the basics of how to grow their wealth
● Identify various scams
● Understand the importance of not falling victim to a scam
● Protect themselves from financial scams

Unit 3:  Credit Cards and Debt
In this lesson we will learn about the basics of what a credit card is and the different responsibilities that come with owning a credit card. 
We will learn about what both a credit report and credit score are and the impact they have on someone's finances.  
We will be able to define key terms such as credit score and credit report. 
We will be able to determine different events that either improve or harm someone's credit. 
We will understand the purpose of a credit card and the responsibilities that come with owning a credit card.

Lesson 3.1 - Intro to Credit
Lesson 3.2 - Buying a Car
Lesson 3.3 - Other Types of Loans
Lesson 3.4 - Credit Cards and Credit Reports
Lesson 3.5 - Managing Debt
Lesson 3.6 - Mid-Way Projects - Simulation Review

By the end of the lesson, students will:
● Define key terms such as credit score and credit report.
● Determine different events that either improve or harm someone's credit.
● Understand the purpose of a credit card.
● Understand the responsibilities that come with owning a credit card.
● Be able to implicitly and explicitly think about situations that will either improve
or harm their credit and explain why.

Unit 4:  Employment and Income
In this lesson we will be learning about both income, compensation and employment.  
We will learn about the difference between direct and indirect compensation. 
We will have a basic understanding of income tax and the different ways of filing their taxes. 
We will learn some best practices for starting their career. 
We will learn about the importance of saving for retirement.

Lesson 4.1 - Career & Income
Lesson 4.2 - Intro to Bank Accounts 
Lesson 4.3 - Intro to Taxes
Lesson 4.4 - Starting Your Career
Lesson 4.5 - Building & Sharing Wealth
Lesson 4.6 - Responsible Income & Spending Behaviors

By the end of the lesson, students will:
● Define different types of income
● Understand consumer and employment rights and responsibilities
● Understand debit cards and bank accounts
● Have a basic understanding of income tax
● Know how to develop a career plan that supports their long-term financial goals

Unit 5:  Financial Risks and Insurance
In this lesson we will be learning about financial decision making. 
● We will learn how to protect ourselves against fraud and financial scams. 
● We will learn the importance of mitigating financial  risks. 
● We will be able to identify common types of risks and basic risk management methods. 
● We will learn the basics of insurance. 

Lesson 5.1 - Insurance Basics
Lesson 5.2 - Liability Insurance
Lesson 5.3 - Health and Life Insurance
Lesson 5.4 - Financial Decision Making
Lesson 5.5 - Managing Financial Records
Lesson 5.6 - Life After Graduation

By the end of the lesson, students will:
● Understand the concept of opportunity cost when making financial decisions
● Understand the financial risks of investing their money
● Understand the importance of insurance to mitigate risk


How is your class structured?
My class is structure to be a stress free, fun, and interactive learning environment to accommodate different learning styles and abilities.  

How will you teach?
I will teach using slide presentation, interactive games and discussion for question and answer sessions. This is a student led hands on interactive class.  

What's your teaching style?
I believe that every child learns differently.  I do my best to accommodate individual learning styles.  

How much will learners get to interact with you and each other (mention specifics like: lecture, games, slides, video clips, discussion)? This class is highly interactive simulating real life as adults making financial decisions.  Students will learn they are free to choose what to with the money they earn but not free from the consequences of their choice, whether it is positive or negative result.  I  teach with lecture format, visual aids and hands on activity. I will be available for questions and feedback through the classroom and direct messages.

Any required experience or knowledge learners need? 
No prior knowledge is needed.