NGPF Podcast: Tim Talks to Social Entrepreneur Marcy Reyes of the Financial Literacy Youth Initiative (FLY)

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Feb 15, 2019
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Podcasts, Financial Literacy
Driven to serve others by educating them to become financially capable, Marcy Reyes has found several ways to accomplish this mission. She teaches at Rhode Island College while also leading a non-profit that she founded to support high school students. Oh, all this while holding down a full-time job with a health insurer. She is clearly someone motivated to serve others by teaching them valuable skills about managing their money. In this podcast, you will hear Marcy share her story and the...

FinCap Friday: Ghost Stories

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Feb 14, 2019
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FinCap Fridays
In this FinCap Friday we share recent news about workers quitting their jobs in an unusual way, which many are comparing to "ghosting." Why would anyone choose to just walk out of work one day and not tell anyone that they won't be coming back? Well, the changes in the American jobs market have definitely contributed to this phenomenon but there are certainly many other factors involved. Is it even a big deal to "ghost" your job and move on to the next? Dive into this question while playing this...

Why Can't My Students Edit the Docs Inside a Student Activity Packet?

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Feb 14, 2019
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PRO Tip from NGPF, Activities
THE PROBLEM: I've created my own copy of the Student Activity Packet, and my students have their own copies in my LMS, but they can't edit any of the activities INSIDE the Student Activity Packet. Why not?   THE ANSWER: Watch this short video for a quick life hack to those pesky activities that say View Only.  Want to receive a weekly PRO Tip to your inbox? Sign up here. ...

EdPuzzle Thursday - INSURANCE: 5 Factors that Determine Auto Insurance Rates

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Feb 13, 2019
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EdPuzzle Thursday
New Product Alert! Want to assign videos with built-in questions? We will be releasing a new EdPuzzle video here on the blog each week so that your students can answer questions that are directly embedded within engaging videos. We are excited to share with you a new video each week and a new topic each month! This week's EdPuzzle video is from InsuranceQuotes.com, where students will learn about 5 different factors that go into your individual auto insurance premium: your deductible, type of...

QoD: How much does the average adult spend on Valentine's Day?

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Feb 13, 2019
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Budgeting, Behavioral Finance, Current Events
Answer: $162 Questions:  What do you think are the most common items purchased on Valentine's Day? Try and name 5 and estimate their cost.  Are there Valentine's Day purchases that cost a lot more around the big day than they do the rest of the year? What economic principle explains that phenomenon?  Why do you think that fewer people are spending on Valentine's Day compared to a decade ago?  What are some low-cost ways to celebrate Valentine's Day without "breaking the...

Question of the Day: What college major is most common among world leaders?

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Feb 12, 2019
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Question of the Day
Answer: Politics and Economics Hat tip to Brian Page for pointing out this chart.  Questions: What do you think is the ideal educational background for a country's leader?  How do you think a leader's educational and career background affect the way they govern?  What's a good headline for this chart?  Here's the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (from Visual Capitalist): When it comes to the...

The Psychology of Investing: Avoid Stupid Mistakes, Play STAX

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Feb 12, 2019
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Interactive, Investing, Stocks, Index Funds
Hat tip to Vadas at Abnormal Returns for pointing out this article from Behavioral Investment about why we make stupid investment decisions.  The article lays out nine reasons why normally rational, thoughtful people make what he describes as "sub-optimal" investment decisions. As I read through the list, I realized how our investing game STAX (over 160,000 game plays since November launch) gives students an opportunity to make a lot of stupid decisions which they hopefully will learn from...

Chart of the Week: Do families pay more in federal income taxes or in hospital costs?

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Feb 12, 2019
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Chart of the Week, Insurance
Hat tip to Beth Tallman: Questions What happened between 2010 and 2018 to hospital spending and tax rates?  Does it surprise you that Americans spend more on hospital spending than they did for federal income taxes? Your friends says that he thinks hospital costs have peaked in 2018. Does the graph support his argument?  ----------------- Check out NGPF Insurance Unit Page for ideas on how to bring insurance to life for your students.     Behind the chart from...

QoD: How much did consumers pay in overdraft fees in 2017 (in billions)?

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Feb 11, 2019
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Question of the Day, Checking Accounts, Research
Answer: $34.3 billion Here's how the average fee has grown over the past decade: Questions: In your own words, what does it mean to overdraw your account? Why do you think that banks collect so much in overdraft fees from consumers? Young people are particularly susceptible to these fees. What steps can you take to avoid these pesky fees?  Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (Wealth...

Just One Resource - ROLEPLAY: Sign Up for a 401(k)

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Feb 11, 2019
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Just One Resource, Investing, Retirement
    In this weekly blog post, the Curriculum team will highlight Just One Resource from our NGPF collection that maybe doesn't get the attention it deserves. Use it this week or bookmark it for later.  [The Resource] ROLEPLAY: Sign Up for a 401(k) The Gist: Students play the role of a new college graduate who has to pick investments in their first ever 401(k)! The Best Parts: Students see how much money they have in their monthly budget to allocate towards...

Tech Tool Review: Honey

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Feb 11, 2019
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NGPF Fellows, Teaching Strategies, Budgeting
Teachers who attend our Summer Institute in Palo Alto become NGPF Fellows the following school year -- this Fellowship includes presenting with us at PD sessions, offering NGPF feedback on products, writing guest blog posts, ... the list goes on. I'm excited to feature a Tech Tool Review from Aric Weiker of Interlake High School in Bellevue, WA. Here's what Aric has to say... Tech Tool: Honey or Honey.com Cost: Free, but requires registration Use Case:  Honey is a coupon and...

QoD: What percent of overall grocery purchases are ordered online?

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Feb 10, 2019
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Budgeting, Research, Question of the Day
Answer: 3% Market share of largest online grocers in 2017 (Supermarket News) Amazon - 12.5% Walmart - 11.1% Kroger - 6.4% BlueApron - 5.5% Peapod - 5.3% Questions: Why do you think the number of people purchasing groceries online is so low? What is different about groceries compared to electronics or apparel which have much higher percentage of online sales?  What are the advantages and disadvantages of purchasing groceries online? Assume that most services charge a fee of $8-$10 per...

Interactive Monday: Which colleges are best at income mobility?

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Feb 10, 2019
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Paying for College, Research, Interactive
From NY Times The Upshot comes an interactive tool, Economic Diversity and Student Outcomes at America’s Colleges and Universities. As college acceptance letters and financial aid awards roll in over the next few months, this interactive provides information on economic diversity as well as income mobility at thousands of universities across the U.S. This interactive comes from the analysis of tax records and college records for millions of people.  Details on the study: The...

Reading List for February 9-10, 2019

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Feb 08, 2019
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Budgeting, Career, Investing, Economics, Paying for College, Advocacy
Advocacy/Legislation New bill would require students in Texas to pass financial literacy class. (KXAN) Paying for College A NEFE study shows that mandating personal finance education DOES make a difference when it comes to borrowing for college. Did you know that February is Financial Aid Awareness Month? Look out for more on this subject this month! Credit Looks like the CFPB will not pursue any rules to crack down on payday lenders as proposed in 2016. (NPR) (NYT)  This is open for...

NGPF Podcast: Tim Talks to NASFAA President and CEO Justin Draeger About College Financial Aid

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Feb 08, 2019
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Podcasts, Paying for College
It was fun checking in with Justin Draeger, who leads the largest association supporting college financial aid officers. Justin last appeared on the podcast about three years which meant we had a lot of catching up to do. Listen to Justin describe what has changed as well as what hasn't in that interval. He discusses innovation in higher ed, the push for more transparency in award letters and the current regulatory environment in the highly regulated financial aid field. Enjoy! Details:...

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