Black Friday 2019 Reading List

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Nov 29, 2019
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Economics, Paying for College, Investing, Retirement, Parent Conversations
Today is the official start of the biggest retail push of the year. If you are reading this, you either have already braved the Black Friday crowds (or shopped last night), or you are giving it a pass and shopping online.  In any event, the crowds are expected to be a bit less chaotic this year (CBS). Here is a look at how online shopping and delivery are changing the world (IMO, not for the better): The Guardian discusses everything from the explosion of warehouses to environmental impact...

QoD: When do consumers do more online shopping: Black Friday or Cyber Monday?

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Nov 26, 2019
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Question of the Day, Budgeting, Purchase Decisions
Answer: Cyber Monday Questions: Which generation is most likely to look for bargains on Cyber Monday? Why do you think this generation is more likely to look for bargains on that day? Do you plan to do any shopping on either Black Friday or Cyber Monday? Do you have a budget for holiday gifts this year? Why or why not?  Why do you think that so many people shop on these two days? Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom....

QoD: What is the most popular music streaming service?

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Nov 25, 2019
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Question of the Day, Behavioral Finance, Budgeting
Answer: YouTube Questions: What is your go-to source for music?  What do you like most about it? How much do you pay for it?  How does YouTube compare to Spotify or Pandora when it comes to music streaming? What would be your cost in time/money if you wanted to switch from your current streaming service?  Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers: (Washington Post) Not Spotify, not Apple Music,...

Map of the Week: What's the most iconic restaurant chain founded (or headquartered) in your state?

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Nov 25, 2019
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Chart of the Week, Budgeting, Research
Hat tip to Jadrian Wooten, Penn State educator, who tweeted about this recently:  It's Thanksgiving week, so thoughts turn to food. Let's just enjoy the map and I can hear the debates going on in your classroom about your student's favorite restaurant chain.   Wondering how the decisions were made on what chain to list on the map? --------------------- Food is one of your students' largest expense. Which snack brands are most favored by your students? We have a Question of the...

TEACHER TIP - ANALYZE: Categorizing Credit

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Nov 25, 2019
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PRO Tip from NGPF
Amanda Volz brings you a Teacher Tip video on the activity ANALYZE: Categorizing Credit. This activity has students analyze different lines of credit and categorize the credit in three ways: installment vs revolving, secured debt vs unsecured debt, and a fixed rate vs a variable rate. In this video, Amanda explains how she customized the project and provides tips on how you can use it in your classroom! For all of NGPF's Types of Credit activities, visit the TYPES OF CREDIT unit page!...

Interactive Monday: How are you using your time?

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Nov 24, 2019
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Interactive, Budgeting
Time management is a critical skill for all high school students to master. While students may not have much of their own money to budget, they do have time. This interactive from Flowing Data allows students to see what activities the typical 15-24 year old is doing at a specific time. The students are able to choose three variables: gender, age and time of day. They can toggle the time of day to see how activities will vary throughout the day. Here's an example:  Questions: Map out your...

QoD: Match with percent with survey results from college-going students: 43%, 73%, 88%

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Nov 24, 2019
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Question of the Day, Paying for College, Student Loans
Hat tip to Derek D'Angelo for highlighting this research.  Survey results: __________ % said the major benefit of a degree was a "Potentially better job / income." __________% of respondents reported needing money for college outside of their savings. __________% of respondents reported their level of stress about the college application process as “High" Answers:   43% said the major benefit of a degree was a "Potentially better job / income." 88% of...

Reading List for November 22-24

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Nov 22, 2019
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Advocacy, Financial Literacy, Paying for College, Career, Financial Scams, Investing, Retirement
Financial Literacy and Advocacy ICYMI, Tim Ranzetta had two pieces hit Marketwatch this week. The first is an article explaining how excellent teachers will drive the financial literacy movement, and highlights several teachers you will recognize. The second is an opinion piece in which Tim quantifies the value of a high school personal finance class. Study Breaks’ Daniel Reed concurs with the need to make Personal Finance a high school graduation requirement.  Workers consistently...

NGPF Podcast: Andy Rachleff of Wealthfront discusses self-driving money

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Nov 22, 2019
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Podcasts, Investing, Savings, Checking Accounts
Andy Rachleff is back on the NGPF podcast (previous appearance here) and provides us with an update on both Wealthfront's progress and the recent trends in financial services. Andy discusses new features offered by Wealthfront, consumer reaction to their new Cash Account, and how financial advice is ripe for creative destruction. Listen to this podcast and you will get insights on how AI (artificial intelligence) will change how we manage our money.   Details: 0:00~1:29...

FinCap Friday: Reason for the Season

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Nov 21, 2019
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FinCap Friday
In this FinCap Friday we check out some recent news about charitable giving trends. Some research shows that the trend is changing and that it may have something to do with the new tax laws! What do that tax laws have to do with people giving or not giving to charity? And why would tax law changes result in people changing their charitable giving behaviors? Find out the latest news in this week's episode below: If you're short on time, try our simplified FinCap Friday (No Tech) with the...

QoD: What's the cost of Thanksgiving dinner for ten in 2019?

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Nov 20, 2019
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Budgeting, Question of the Day, Research
Answer: $82.83 Questions: Assume you have an extra $10, what additional food items would you add to this list for Thanksgiving dinner?   Do online research to make sure you’re not spending more than $10. If you only had $53 to spend, what items would you choose from this list?  What are you thankful for this Thanksgiving season?  Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the...

Chart of the Week: What's the relationship between credit card balances and credit scores?

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Nov 20, 2019
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Chart of the Week, Credit Cards, Credit Scores
Definitely some surprises here...   From Experian, State of Credit Cards:    Questions:  Those with _______________ credit scores have the highest credit card balances while those with ______________ credit scores have the lowest credit card balances.  What has been the overall trend with credit card balances for all credit scores since 2011?  Do you think that taking out more credit on a credit card is a sign of consumer optimism or pessimism?  Consumers...

Ed Puzzle Thursday - Get ready for Cyber Monday

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Nov 20, 2019
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EdPuzzle Thursday, Advertising
  In this week's EdPuzzle video from the PBS Series Two Cents, your students can learn and answer questions about "How Retailers Stalk You Online" to effectively target ads, and what you can do to minimize the impact on your wallet!     Interested in more EdPuzzle videos? Visit our Video Library and type in "EdPuzzle" into the search bar at the top to view the rest of our EdPuzzle videos!  Note: You do NOT need to create an account to ACCESS EdPuzzle videos....

Sue Comparato: how I advocated for 15 years to make Personal Finance a graduation requirement… and finally won.

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Nov 19, 2019
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Advocacy
The following is a guest post from Sue Comparato, Swampscott High School (Swampscott MA). Sue's school is the third to convert to the Gold Standard and earn a $10,000 grant from the NGPF Gold Standard Challenge!  -------------------------- What sparked my desire to advocate for personal finance to become required? My journey to implement a personal finance graduation requirement at Swampscott High School began about 15 years ago when I submitted a proposal to add a new elective class called...

QoD: How much money is spent on the internet every 60 seconds?

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Nov 19, 2019
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Question of the Day, Budgeting, Research
Hat tip to Yanely for pointing out this fascinating question. Answer: $996,596 Here's what else happens in an internet minute:  Questions: You guessed the answer as to how much is spent in a minute on the internet. Calculate how much is spent in an hour, a day, a month, and a year.  What are items that you buy over the internet? Do you the think shopping on the internet will increase or decrease in the next five years? Explain.  Here's the ready-to-go slides for this...

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