Reading List for April 9-11
By Beth Tallman
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Apr 09, 2021
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Financial Literacy, Economics, Investing, Cryptocurrencies, Mortgages
Financial Literacy
CNBC posted three different articles in about 24 hours about the importance and impact of a personal finance education, and all three include quotes from Tim Ranzetta and NGPF research.
Early financial education
State of personal finance education
Financial literacy can reduce the racial wealth gap
Investing
NFTs seem to have been a flash in the pan. (The Atlantic)
Jamie Dimon’s annual letter to shareholders got some press this week. JPMorgan Chase’s...
Question of the Day: What percent of homebuyers in Nov/Dec 2020 made an offer on a house they hadn't seen in person?
Answer: 63%
Questions:
Would you consider buying a house that you couldn’t see in person?
What do you think home buyers might miss if they rely strictly on online sources of information?
Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (NY Times):
Sixty-three percent of buyers who used Redfin in November and December went on to make an offer on a home they hadn’t seen in...
Question of the Day: What percent of 14-17 year olds think it is likely that they will ever purchase/own a home?
Answer: 93%
Here's reasons given for wanting to own a home:
Questions:
Do you want to own a home at some point in the future? Why or why not?
If so, is there a specific age that you would like to own a home?
What are the biggest challenges you see in being able to buy a home?
What would you be looking for in that first house that you buy? What factors matter most to you?
Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (Gen...
Question of the Day: How much money do Americans waste on uneaten candy for Halloween?
Answer: $400 Million in uneaten candy
Questions:
Why do you think that Americans buy more candy than is eaten on Halloween? What factors influence the decision on how much to buy?
How much candy do you typically eat over Halloween? What do you do with the leftovers?
What are some strategies to avoid overspending on holidays such as Halloween?
Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers (Fox Business):
"The...
EdPuzzle Thursday - TYPES OF CREDIT: How Do You Actually Buy a House?
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.
In this week's EdPuzzle video, your students will learn the steps of purchasing and financing a home.
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! ...
Reading List for March 6-8
This week's list is devoted predominantly to the wide-ranging impacts of the Coronavirus in addition to wild fluctuations in the stock market. (As predicted after last week's tumbling market, this isn't over yet.)
Investing
What should stock market investors do in this market? A Wealth of Common Sense suggests you ask yourself some questions to help figure that out.
Of Dollars and Data explains why now you will understand why you should invest in bonds.
10-year Treasuries dropped...
Reading List for February 21-23
Advocacy
The West Virginia Senate considers two education bills: a financial education bill requiring a high school class, right alongside one reestablishing cursive writing in elementary school. (Bluefield Daily Telegraph)
Personal Finance
Ever wonder what files you should keep and for how long? Michelle Singletary of the Washington Post explains how she used “Homefile: Financial Planning Organizer,” by certified financial planners J. Michael Martin and his wife Mary E....
QoD: How many years has the typical American homeowner been in their current home?
By Tim Ranzetta
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Nov 06, 2019
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Economics, Question of the Day, Budgeting, Purchase Decisions, Research, Mortgages
This is a good one for Economics class as it's a demonstration of supply/demand factors in the housing market. Given that the trend has been for homeowners to stay in their houses for longer periods of time, the supply of houses for sale (inventory) goes down and if new construction doesn't close that supply gap then there's a supply/demand imbalance. You can guess what happens next.
Answer: 13 years
Here's a chart showing the regions where homeowners have been in their homes the longest,...
Question of the Day: When a couple takes out a loan, which credit score does the lender use?
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...
Interactive Monday: Access To Credit Cards, Auto Loans and Mortgages
Hat tip to Jessica for pointing out this cool interactive from the Federal Reserve which is part of their Credit Access series. We love these resources that have students interact with data. In this series, you will see trends on consumer applications for various types of loans, including auto, credit and home loans. It not only looks at historical data but also measures expectations about these various loan products and gauges financial fragility and the ability of survey respondents to come up...
Reading List for May 11-12
Investing
We will start with Investing this week because this week's biggest news is today’s Uber’s IPO. Here is all you need to know about the one of the largest IPOs! (NYT)
Uber was priced at $45/share--the “low end,” and keeping the valuation at $82B, well below the expected $100B. Looks like “low end” wasn’t low enough. Watching CNBC Squawk Box as the market was “building the book” before the first trade was fascinating as the...
QoD: Can you name ONE of the most Googled money questions for 2018?
Hat tip to Beth Tallman for sending this one along.
Answer: Here are the top 5:
5. How much is my house worth?
4. What is bitcoin?
3. How to write a check?
2. How much house can I afford?
1. Where is my tax refund?
Questions:
What money question are you most curious about right now?
Why do you think that so many people are preoccupied with their tax refund?
Are you surprised to see any of these top 5 most Googled questions on this list?
Why do you think that two of the top 5...
Just One Resource - INTERACTIVE: Shady Sam
By Tim Ranzetta
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Feb 04, 2019
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Just One Resource, Interactive, Math, Behavioral Finance, Student Loans, Mortgages, Financial Scams
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] INTERACTIVE: Shady Sam
The Gist: Students play loan shark in this engaging game where they see loans from the perspective of a lender as they try to maximize their profits.
The Best Parts:
Students decide between three loan options for...
Reading List for Jan 5-6
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Jan 04, 2019
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Personal Finance, Checking Accounts, Investing, Stocks, Mortgages, Paying for College, Economics
Happy New Year! Our first reading list of the year includes a couple of pieces that take a look back at 2018, including the wild ride on the stock market, as well as some "newer" news. Enjoy!
Personal Finance
Our friend Barbara O’Neill provides a great overview of what happened in the world of Personal Finance in 2018. (Journal of Financial Planning)
Beth Kobliner examines a Brooking Institute report on Artificial Intelligence and relates it to Financial Literacy....
Best of 2018...PBS Two Cents Personal Finance Videos
By Tim Ranzetta
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Jan 03, 2019
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Video Resource, Budgeting, Behavioral Finance, Financial Scams, Mortgages, Paying for College
PBS Two Cents made a big splash on the scene in 2018. Philip Olson and Julia Lorenz-Olson create engaging videos that do a great job explaining personal finance concepts in ways that your students will understand. We added several of their videos to our video library and you can also hear their story on the NGPF Podcast.
I reached out to Philip today and he was kind enough to share the "top 5" videos he and Julia produced in 2018 (based on Facebook and YouTube views). Beth has also created...
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