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  • Federal Reserve Bank of St. Louis
All About Credit: Credit Reports—and You Thought Your Report Card Was Important

All About Credit: Credit Reports—and You Thought Your Report Card Was Important

Rating
4.0 stars

Students complete an activity sheet and discuss the advantages and disadvantages of
using credit. Students read a scenario about a young person’s use of a credit card and
answer some questions regarding repayment. Students learn about credit history, credit
reports and credit-reporting agencies.

Subject:
English Language Arts
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
All About Credit: Creditors’ Criteria and Borrowers’ Rights and Responsibilities

All About Credit: Creditors’ Criteria and Borrowers’ Rights and Responsibilities

Rating
0.0 stars

Students discuss key terms related to credit and learn how creditors use capacity,
character and collateral as criteria for making loans. Students learn about credit rights
and responsibilities. Groups use role-play scenarios in order to identify and discuss the
rights and responsibilities of using credit

Subject:
Social Studies
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
All About Credit: So How Much Are You Really Paying for that Loan?

All About Credit: So How Much Are You Really Paying for that Loan?

Rating
2.0 stars

Students will learn what a payday loan is and the high cost involved in using such a loan.
Working in groups, students will calculate an annual percentage rate (APR) on a loan.

Subject:
English Language Arts
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
Cards, Cars, and Currency -- Lesson 2: Credit Cards - A Package Deal

Cards, Cars, and Currency -- Lesson 2: Credit Cards - A Package Deal

Rating
0.0 stars

This is the second lesson in five in a Unit on Personal Financial Literacy. In this lesson, students learn about credit card usage and credit card consumer protection laws through class discussion, computing the cost of credit, debating real-world scenarios, and conduct a credit-card usage survey as an out-of-class activity.

Subject:
English Language Arts
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
Cards, Cars, and Currency -- Lesson 3: Banking on Debit Cards

Cards, Cars, and Currency -- Lesson 3: Banking on Debit Cards

Rating
0.0 stars

This is the third lesson of five in a Unit on Personal Financial Literacy. In this lesson, students work in pairs to balance a bank account statement and calculate the costs of using a debit card irresponsibly. The students then conduct a survey as an out-of-class activity, collecting and interpreting data on debit card usage in their area. The students analyze the advantages and disadvantages of using credit cards and debit cards.

Subject:
English Language Arts
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
Cards, Cars, and Currency -- Lesson 4: The Car Deal Package

Cards, Cars, and Currency -- Lesson 4: The Car Deal Package

Rating
0.0 stars

This is the forth lesson of five in a Unit on Personal Financial Literacy. In this lesson, students learn about the decisions involved in purchasing a car. The students work in groups to compare different car deals, using three criteria -- the income test, the down-payment option, and the time option. The students analyze the terms of a sample car contract and consider the effects of signing the contract without understanding the terms.

Subject:
English Language Arts
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
Cards, Cars, and Currency -- Lesson 5: A Penny Saved

Cards, Cars, and Currency -- Lesson 5: A Penny Saved

Rating
0.0 stars

This is the fifth and final lesson in a Unit on Personal Financial Literacy. In this lesson, students review four scenarios involving take home pay and fees that banks and credit card companies charge, along with what-if alternatives for each scenario. Working in pairs, the students calculate the amount of currency that the characters in each scenario saved or lost as a result of their decisions.

Subject:
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
Cars, Cards, and Currency -- Lesson 1: Keep the Currency

Cars, Cards, and Currency -- Lesson 1: Keep the Currency

Rating
0.0 stars

This is the first lesson in a five part Unit on Personal Financial Literacy. In this lesson, the students learn how people often "throw currency away" as a result of poor financial decisions. The students will play a game in which they attempt to "keep the currency" answering questions on credit cards, debit cards, and purchasing a car.

Subject:
Civics and Economics
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
KaChing!: Cash the Check and Track the Dough

KaChing!: Cash the Check and Track the Dough

Rating
0.0 stars

Students participate in an activity to learn about checking accounts, savings accounts and
check-cashing services. Students learn the components of a check, and they organize
and enter information into a bank account register in order to determine the balance.
Students learn why maintaining account records is important. Students balance a monthly
account statement.

Subject:
English Language Arts
Social Studies
Material Type:
Activity/Lab
Lesson
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019
KaChing!: Savvy Savers

KaChing!: Savvy Savers

Rating
0.0 stars

Students calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the “rule of 72″ and apply it to both investments and debt. They learn that there is a relationship between the level of risk for an investment and the potential reward or return on that investment.

Subject:
English Language Arts
Social Studies
Material Type:
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Author:
Federal Reserve Bank of St. Louis
Date Added:
02/26/2019