Student Product Package
Included in the Student Product Package are 18 student course modules with student text from The 21st Century Student’s Guide to Financial Literacy – Getting Personal, 18 author’s Instructional Podcasts, downloadable chapter activity binders, chapter vocabulary e-flashcards, and links to supplemental resources! The Student Product Package contains everything your students need for a comprehensive personal finance learning experience.
View a list of all the course modules:
Your Title Goes Here
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
Unit 1 - Earning an Income
Chapter 1: Getting Personal: You and Your Money
Defining financial literacy; introduction to course themes; income vs. wealth; wealth and financial security; income and class division in America; gender pay inequality debate.
Chapter 2: Battle of the Banks
Retail and consumer banks, savings & loans; savings accounts, checking accounts, MMA and time deposits; avoiding bank fees and penalties; alternatives to traditional banking; deposit insurance; virtual currency controversy.
Chapter 3: A Job That Pays
Job vs. career; education’s link to income, earnings and unemployment; job security and job satisfaction; career choices; postsecondary planning; college alternatives; future resume; copy cat careers.
Chapter 4: Pay. It’s More Than a Salary
Compensation; salary and employee benefits; Social Security; healthcare insurance; workers compensation; disability insurance; pensions and retirement plans; employee stock purchase plans; perks; FMLA; freelancing; the job interview.
Chapter 5: Honey, They Shrunk My Paycheck!
Paycheck withholdings and deductions; OASDI; federal and state income taxes; IRS forms W-2, W-4, 1099,1040; deciphering a pay stub; exploring flat tax vs. progressive tax.
Chapter 6: The Global Employee
A career overseas; multinational companies; overseas job search; work visas and permits; shortage occupations; developing cross-cultural skills; H1b Visa controversy
Unit 2 - Building Wealth
Chapter 7: The Credit Conundrum
The pros and cons of credit; credit and the economy; APR; credit report and credit score; student loans; exploring FICO; the FAFSA; free college controversy.
Chapter 8: Supersize Your Savings
Savings; establishing savings goals; simple vs. compound interest; the Rule of 72; developing a savings habit in the 21st century; exploring income and wealth disparity in America.
Chapter 9: Home is Where the Mortgage or Lease Is
Homeownership; buying a home; amortization and appreciation; mortgages; rental agreements; building wealth through homeownership vs. renting; rent control vs. free market debate.
Chapter 10: Your Risky Retirement
Risks of an underfunded retirement; 401K plans and IRAs; calculating retirement benefits; 21st-century challenges to funding retirement; age discrimination; Social Security benefits; Speak up about Social Security!
Chapter 11: Investing 101
Investing basics; risk and reward; stocks, bonds, mutual funds; real estate; commodities; mutual funds; portfolio diversification; return on investment; capital gains tax; Wall Street Reform student podcasts.
Chapter 12: Small Biz Whiz
Traits and skills of a small business owner; LLC, corporation, partnership, sole proprietorship, franchise; calculating a profit margin; building wealth through a small business; small business owner survey.
Unit 3 - Protecting and Preserving Wealth
Chapter 13: Credit Card Craze
Consumer debt in America; credit card rates, penalties, and fees; grace periods; the credit card time line; how to read a credit card statement; responsible credit card ownership; predatory lending debate.
Chapter 14: The Beauty of the Budget
Benefits of the personal budget; wants vs. needs; living within a budget; making a budget; exploring personal budget apps and programs; the federal balanced budget controversy.
Chapter 15: Protect What You’ve Earned
Insurance terms and concepts; homeowners insurance; auto coverage; healthcare insurance; HMO vs. PPO; term life insurance vs. whole life; making an insurance claim; protecting yourself from identity theft.
Chapter 16: Share with Care!
The risks of shared ownership; forms of joint ownership; joint tenancy vs. tenancy in common; risks of co-borrowing, cosigning and guarantees; faux fiancés financial compatibility challenge.
Chapter 17: How to Lose it All
Addiction’s impact on income, education and wealth-building; gambling addiction; short term and long term financial impact of a criminal conviction; lifestyle debate: single vs. married?
Chapter 18: Resolving Insolvency
Insolvency; bankruptcy chapters 7, 11, & 13; liquidation, reorganization and debt restructuring; non-dischargeable debt; exempt property; limitations of bankruptcy; debt management agreements; reflecting on financial literacy
