Unit I. Earning Money
Activities- 1 America's CareerInfoNet: Skills Profiler
The Skills Profiler will help identify your skills and occupations related to these skills. - 2 Job Interest Inventory
Printable inventory where students select tasks and total their score to see a career field that would suit them based on their responses. - 3 Paystub Lesson
This is a printable lesson/activity for students to learn about reading/interpreting a paystub. - 4 The Internal Revenue Service's "Understanding Taxes"
This is an outstanding resource for teaching these concepts. It is divided into two distinct areas of content. The Hows of Taxes shows you how to apply tax principles, while the Whys of Taxes explains tax history and theory. Audiocasts- 5 Glencoe: Chapter 1 I-Summary and I-Quiz
I-Summary is an audio file that briefly reviews the chapter’s content related to the learning objectives. The summary helps you prepare for the I-Quiz that follows. I-Quiz is a mini-self-test that helps you test your knowledge of the chapter. Each I-Quiz presents five multiple-choice questions with a brief pause, during which you can mentally select an answer. Then you hear the correct answer so that you can assess your progress. - 6 Glencoe: Chapter 13 I-Summary and I-Quiz
I-Summary is an audio file that briefly reviews the chapter’s content related to the learning objectives. The summary helps you prepare for the I-Quiz that follows. I-Quiz is a mini-self-test that helps you test your knowledge of the chapter. Each I-Quiz presents five multiple-choice questions with a brief pause, during which you can mentally select an answer. Then you hear the correct answer so that you can assess your progress. eTools- 7 Cost of Living Calculator
Use this calculator to compare the cost of living between U.S. cities. The calculation takes into account dozens of items in six broad categories -- groceries, housing, utilities, transportation, health care and miscellaneous goods and services. It does not include the effects of state and local taxes. The information is updated quarterly. - 8 Inflation Calculator
The Consumer Price Index (CPI) is a measure of the average change in prices over time in a market basket of goods and services. The Bureau of Labor Statistics releases CPI data monthly. This calculator compares the purchase power of money due to inflation between select years using the CPI. - 9 Net Pay Calculator - MD tax website
This is the Maryland Tax Website that allows users to estimate their net pay aftering entering information. - 10 Reality Check - Managing your Lifestyle
Students enter information in about their preferred lifestyle, and are told how much money they need to make to support that lifestyle. (Also found in Unit 7: Budgeting) Reviews- 11 Success in Math: Consumer Math (Chapter 1, pp. 20)
- 12 Success in Math: Consumer Math (Chapter 2, pp. 36-37)
- 13 Glencoe: 11-1 and 11-2 Study Guide (pp. 386-387)
- 14 Glencoe: 2-6 Study Guide (pp. 137-138)
- 15 Glencoe: Chapter 1 - Study Guide (pp. 109-113)
- 16 Glencoe: Chapter 13 (pp. 447-53)
- 17 Glencoe: Chapter 13-2 Study Guide (pp. 448-49)
Tutorials- 18 Filling Out a W-4 Form
Filling out a W-4 is one of the first things you do when you start a new job. You may want to fill out a new W-4 if your financial situation has changed. Use Form W4 to increase or to decrease your income tax withholding. - 19 Health Care Tutorial
Tutorial about choosing and using a health care plan. - 20 Simulation 1: Completing Form W-4
In this simulation, you will take on the role of Lawrence Red Owl in order to learn how to complete Form W-4. Videocasts- 21 The World of Work: Getting a Good Job (unitedstreaming)
The first part of this program provides a clear, step-by-step process young people can use to determine the kind of work for which they're best suited. Once the individual has narrowed down his or her occupational preferences, the program then shows how to write a qualification brief. The video explains how to show in your qualifications brief that you're professional, dependable, honest, and a team player - qualities employers look for when choosing new workers. The second part of the program shows how to conduct a successful job search and how to prepare for and conduct oneself during a job interview. Six job-search strategies are covered-working throughout public and private agencies, using want-ads, working with a school placement counselor, on-line searches using the Internet, and networking. The video then explains how to prepare for a job interview and shows what strategies the job seeker can use during the interview, strategies that often result in a job offer (Student Login: hcpss_student, Password: student). - 22 The World of Work: Getting a Good Start (unitedstreaming)
This program helps students and entry-level employees understand the attitudes and work habits needed for success on the job. The program uses a variety of devices - humor, reenactments, and hidden-camera episodes - to show what's needed for a good start in the world of work. Viewers learn the importance of being a team player on the job, see why every job is important, discover why it's important to ask questions and follow company rules and procedures, and find out the six basic behaviors that can lead to dismissal or hinder advancement. An excellent program for any young person about to enter the job market as a full - or part-time worker (Student Login: hcpss_student, Password: student). Web- 23 2007 Employers Tax Guide to Fringe Benefits (pdf)
A fringe benefit is a form of pay for the performance of services. Find out what the IRS considers fringe benefits as well as the applicable tax rules. - 24 America's Best- and Worst-Paying Jobs (Forbes Magazine)
(June 4, 2007) The medical profession continues to dominate the top end of our list of the 25 best- and worst-paying jobs in America. Anesthesiologists have flipped places with surgeons to take the top spot, but the next eight places are firmly in the healing hands of various sorts of specialist practitioners....
- 25 Calculating Net Income
Net income is your take-home pay after taxes and other payroll deductions. Your net income, the amount on your paycheck, is what’s used to make your budget. - 26 Download a W-4 Form
Scroll to W-4 form, "Employee's Witholding Allowance Certificate." Select the current year. Choose "Review Selected Files" and download the pdf file. - 27 Health Benefits Education
EBSA provides health benefits education focusing on life and work events and the benefit decisions they impact as well as information on the federal health benefits laws related to employment based group health plans to help employees and their families make informed decisions. - 28 Highest Paying Jobs in the United States
The Federal Government compiles statistical data on what people earn in more than 700 professions in the United States. This section offers the median hourly wage data gathered by the Bureau of Labor Statistics for the year 2004 for the highest paying jobs. The top-paying jobs are organized by level of education required to enter that particular field. - 29 Maryland Career and Workforce Information
This website provides Maryland labor force statistics, occupational projections, employment data, and wage information. - 30 OSCAR - The Occupation and Skill Computer Assisted Researcher
This tool is designed to provide the user with written job descriptions, typical education/training requirements, and videocasts highlighting various jobs/careers. - 31 The Internal Revenue Service's U.S. Tax Information for Individuals
The mission of the IRS is to provide America's taxpayers top quality service by helping them understand and meet their tax responsibilities and by applying the tax law with integrity and fairness to all. This site contains U.S. tax guidelines. - 32 The Unemployment Rate
This is a site that discusses the Unemployment Rate, includes an interactive activity.
Unit II. Banking
Audiocasts- 1 Glencoe: Chapter 4 I-Summary and I-Quiz
I-Summary is an audio file that briefly reviews the chapter’s content related to the learning objectives. The summary helps you prepare for the I-Quiz that follows. I-Quiz is a mini-self-test that helps you test your knowledge of the chapter. Each I-Quiz presents five multiple-choice questions with a brief pause, during which you can mentally select an answer. Then you hear the correct answer so that you can assess your progress. - 2 Glencoe: Chapter 5 I-Summary and I-Quiz
I-Summary is an audio file that briefly reviews the chapter’s content related to the learning objectives. The summary helps you prepare for the I-Quiz that follows. I-Quiz is a mini-self-test that helps you test your knowledge of the chapter. Each I-Quiz presents five multiple-choice questions with a brief pause, during which you can mentally select an answer. Then you hear the correct answer so that you can assess your progress. eTools- 3 Bank Statements Tutorial
Students can click on different types and parts of bank statements to view and learn about them. Games- 4 Bank or Bust
Online game where students simulate spending and saving for 10 weeks of summer vacation in order to save up for a car. (also appears in transportation unit) Quizzes and Tests- 5 Glencoe: Chapter 4 Self-Checking Online Practice Test
Self-Check Quizzes randomly generate a self-grading test correlated to each lesson in your textbook. Hints are available if you need extra help. Immediate feedback that includes specific page references allows you to review lesson skills. Choose your chapter and lesson from the list provided. - 6 Glencoe: Chapter 5 Self-Checking Online Practice Test
Self-Check Quizzes randomly generate a self-grading test correlated to each lesson in your textbook. Hints are available if you need extra help. Immediate feedback that includes specific page references allows you to review lesson skills. Choose your chapter and lesson from the list provided. Reviews- 7 Glencoe: 4-5 Study Guide (pp. 192-193)
- 8 Glencoe: 4-6 Study Guide (p. 193)
- 9 Glencoe: 4.1 Study Guide (p. 190)
- 10 Glencoe: 4.2, 4.3 Study Guide (pp. 190-191)
- 11 Glencoe: 5-1, 5-2 Study Guides (pp. 222-223)
- 12 Glencoe: 5-3 thru 5-8 Study Guides (pp. 223-227)
- 13 Glencoe: 5-5 (pp. 224-225)
- 14 Glencoe: 5-6 Study Guide (pp. 225-226)
Tutorials- 15 ATM Cards Tutorial
Information about debit/ATM cards - 16 Checking Account Tutorial
Tutorial that explains checks and checking accounts. - 17 Compoud Interest Tutorial
Several page tutorial explaining compound interest. - 18 Writing a Check Tutorial
Online tutorial that simulates writing a check and explains the steps. Videocasts- 19 Discovering Math: Concepts in Business Mathematics: Economics and Finance (Simple and Compound Interest) (DE streaming)
This program shows how algebraic functions are used in business and finance to calculate and compare rates of simple and compound interest, to efficiently store products, and to track profit and loss in a business setting (Student Login: hcpss_student, Password: student). - 20 Fighting Back Against Identity Theft
This Federal Trade Commission sponsored video provides viewers with information from those who experienced identity theft, including suggestions for prevention and the steps to take if identity theft has occurred. - 21 Here Today
In this episode of Investing Pays Off, learn the rule of 72 and the power of growing money with compound interest - 22 Tools for Financial Success: Checking Accounts (DE streaming)
This program introduces a number of simple tools that anyone can use to improve his or her financial position. Participants will see the importance of having financial goals and keeping good records. Basic financial tools such as checking accounts, bank accounts, and credit are addressed. After viewing this program and working with its supplemental activities, you should have a better understanding of how to achieve financial success (Student Login: hcpss_student, Password: student). Web- 23 Deter. Detect. Defend. Avoid Identity Theft
This Federal Trade Commission sponsored website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft. - 24 Filling Out a Check
This guide details the steps for filling out a check and includes a illustration of a completed check. - 25 Filling Out a Deposit Slip
You have to know how to put money into your account if you ever want to take money out of it. This is a quick lesson in how to fill out a deposit slip.