Question of the Day: When a couple takes out a loan, which credit score does the lender use?

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Sep 03, 2019
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Question of the Day, Behavioral Finance, Credit Scores, Mortgages
Answer: The partner with the lower score Questions: How do you think having different credit scores can affect a relationship?  How would you feel… being the only spouse listed on the mortgage (the home loan) because of a high credit score being the spouse left off the mortgage because of a low credit score Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (Zillow):  When applying...

Chart of the Week: Who's Moving?

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Sep 03, 2019
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Chart of the Week, Career, Research
There's a lot going on in this chart: The blue bars measure the # of movers with the scale on the left hand side. For example, in 2018, it appears that 32 million people (scale is in thousands) moved.  Black line shows the Mover Rate (percentage of people moving in a given year) with the scale measured on the right side of the graph. For example, in 2018, the mover rate was about 10%.  Questions: What do you think are the reasons that people move?  What's the overall trend in...

TEACHER TIP - COMPARE: Types of Car Insurance

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Sep 02, 2019
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PRO Tip from NGPF
Amanda Volz brings you another Teacher Tip video on the activity COMPARE: Types of Car Insurance. This activity has students determine the appropriate type of car insurance to cover damages in given scenarios. Amanda provides some tips and implementation ideas for how you can use this activity (and ways to possibly extend it) with your students. For all of NGPF's Insurance resources, visit the INSURANCE unit page!...

Throwback Tuesday QoD: What percent of 13-17 year olds have a savings account?

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Sep 02, 2019
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Savings, Question of the Day, Research, Current Events, Behavioral Finance
Answer: 54% Questions: Do you have a savings account? If not, why not? If so, what age did you open on and what motivated you to open it? Do you have any savings goals?  Do you find it easy/difficult to save money? Explain.  Here's the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (from Ipsos): To help with saving their money, a majority (54%) of Gen Zs have a savings account. Among those who have a savings...

Collaborate with Educators At NGPF Professional Development This Week (September 2-6, 2019)

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Sep 01, 2019
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Professional Development
Here's what teachers are saying about our new Virtual PDs: "Keep it up. NGPF has been the most engaging PD I've attended in years." "I am absolutely inspired...I am more prepared to teach my students in the fall." "Great session! Loved it and will be back for more." We have a full slate of professional development opportunities this week for teachers. Each will help you earn credit towards NGPF Academy. All times listed below are Pacific Time.  Virtual Professional Development: a...

Question of the Day: Which company is the largest user of internet bandwidth? a) YouTube b) Netflix c) Facebook

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Sep 01, 2019
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Question of the Day, Budgeting
Answer: Netflix Questions: Which websites/platforms do you watch most of your online video?  Has your watching behavior changed in the past 1-2 years? Explain.  Do you think this trend away from traditional TV to these streaming sites will speed up or slow down?  Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (Economist; sub. required):  "What Mr Bewkes missed, but Mr Hastings did...

Have you seen the new "What's New With _________?" posts?

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Aug 31, 2019
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Current Events, Credit Reports, Index Funds, Investing, Credit Cards, Checking Accounts, Career
We all know that things are always changing in the world of Personal Finance. We bring you a weekly reading list of news related to Personal Finance, Economics, and other topics relevant for teachers, but what if you want to hone in on what’s been happening in just one topic? This year, the “What’s New With” series of blogs is a bit different than in the past. We are pulling in fewer articles on each topic, but going into more depth within the blog to explain what has...

What's New With Careers? (August 2019)

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Aug 31, 2019
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Career
The Changing Work Environment  Knowledge@Wharton details a relatively new field that barely existed a decade ago: data analytics. Data analysis will be required of many employees. Given the tools available, employees don’t have to be statistical experts themselves, but can get information from these tools to give them insight into the job they are doing. For those that are really interested in data analytics, you can pursue a degree in the subject, and aim to be the Chief Data Officer...

Reading List for Labor Day Weekend, 2019

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Aug 30, 2019
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Advocacy, Economics, Investing, Paying for College, Credit Cards, Retirement, Parent Conversations
The Labor Day reading list covers a range of topics, but starts off with two articles by folks well known in the FinLit community. Advocacy Annamaria Lusardi’s most recent article in Education Week discusses how transformative a personal finance class can be for a teenager, but warns that it only works if the teachers themselves are truly fluent in the content and comfortable delivering the information. Can’t disagree with that! A CNBC piece by Billy Hensley (NEFE) explains how...

NGPF Podcast: Barbara O'Neill Discusses the Financial Education Landscape

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Aug 30, 2019
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Podcasts, Advocacy, Personal Finance
On this NGPF podcast, Barbara O'Neill, a returning guest on the NGPF Podcast, describes the momentum to increase access to financial education in K-12 on the national level and also in the state of New Jersey. She shares her thoughts on best practices for implementing finance education that every legislator interested in the issue should listen to. Listen and be inspired by this incredible advocate!  Details: 0:00~1:12 Introduction 1:12~3:58 Barbara’s background and work 3:58~5:50...

FinCap Friday: The Endless Stream

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Aug 29, 2019
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FinCap Friday, Current Events
We know your students are obsessed with watching Netflix! Who isn't a fan of binging a good show? With all the new subscription video streaming services being announced in the news this summer, it's a perfect opportunity to strike up a conversation with your students about the financial implications of adding new streaming services to your monthly rotation. Learn more in this week's FinCap Friday below:  If you're short on time, try our simplified FinCap Friday with no need for tech! This...

NGPF Fellows: Personal Finance Student of the Year Award, Edition 15

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Aug 29, 2019
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NGPF Fellows, Financial Literacy
To acknowledge the efforts that teachers put into their classes, NGPF Fellows have the option to award a 'Personal Finance Student of the Year Award' to one student with outstanding contributions in their personal finance class. The Fellow selects a student based on the following criteria: The student has taken the Fellow's personal finance class in the 2018-2019 school year The student has demonstrated outstanding performance in the class based on their participation, academic...

EdPuzzle Thursday - INVESTING: Rise of the Robo Advisors

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Aug 28, 2019
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EdPuzzle Thursday
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! We are wrapping up August's theme of Investing with this week's EdPuzzle video from Investopedia, where your students can learn and answer questions about how younger generations are much more likely to...

QoD: Students who don't complete college are _______ times more likely to default on their student loans than those who graduate.

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Aug 28, 2019
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Question of the Day, Student Loans
Answer: Students who don't complete college are THREE times more likely to default (not repay) on their student loans than those who graduate.  Questions: Why do you think it's more difficult for people to repay their student loans if you don't finish college?  Do you think that people with college degrees earn more than someone who starts college but doesn't finish? Why?  Click here for the ready-to-go slides for this Question of the Day that you can...

Chart of the Week: Who's Buying Homes These Days?

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Aug 27, 2019
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Budgeting, Chart of the Week
From WSJ: This chart measures the percentage of home buyers by age from 2006-2018 and demonstrates the seismic impact left by the Great Recession. Questions: Do you hope to own a house someday? When do you hope to be able to buy it?  What would be a good headline to summarize the data in the chart? In what year does there appear to be the most dramatic change in the data? Based on the chart, what age group has seen the largest decline in home purchases? What are some possible...

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