The document outlines the agenda for a civics class on Thursday, November 7th, 2019. The agenda includes: (1) discussing and reading a lesson on saving and investing, completing an accompanying worksheet; (2) continuing research for a Netflix boardroom simulation to take place the next day; (3) discussing progress in a stock market challenge; and (4) correcting past lessons and recording scores. The overall learning objective is to understand the capitalist economic system in America and challenges faced by corporations like Netflix.

1. GoodAfternoon!Getyourcivicsbooks,andbereadygowhenthebellrings!
Thursday, November 7th, 2019 Agenda for the Day:
First, we’ll discuss and read
lesson 19.3, Saving &
Investing, pgs. 517—521,
then complete the
accompanying worksheet,
which will be due on
Tuesday, 11/12
Second, continue
researching for our Netflix
Boardroom Simulation –
we’ll be having the
boardroom simulation
tomorrow!
Third, we’ll be discussing
our progress in the Stock
Market Challenge!
Fourth, We’ll be correcting
the lessons 19.1 & 19.2 and
recording the scores in
Skyward.
Learning Objective:Your goal is to understand the Capitalist economic system in America,
what a corporation is, and the challenges companies like Netflix have in an ever changing and
competitive business environment.

2. CIVICS IN PRACTICE
HOLT
HOLT, RINEHART AND WINSTON‹#›
Section 3: Saving and Investing
The Main Idea
There are many ways to save money. Saving helps the
economy by providing banks with money to make
loans to others.
Reading Focus
 Why is it important to save money?
 What are some ways people save and invest their
money?
 How does saving money help the U.S. economy?
 How does the government protect savings and
investments?

3. CIVICS IN PRACTICE
HOLT
HOLT, RINEHART AND WINSTON‹#›
The importance of saving money:
 People save for education, emergencies,
retirement, and large purchases.
 Credit purchases often require a down
payment in cash.
 Ability to make a large down payment reduces
monthly payments and the total interest on a
loan.
Section 3: Saving and Investing

4. CIVICS IN PRACTICE
HOLT
HOLT, RINEHART AND WINSTON‹#›
Ways of saving and investing:
 Purchasing items that may increase in value
 Regular installments to a savings account that is
earning interest
 Certificates of deposit (CDs)—interest is paid when
CD matures
 Stocks—common and preferred stock; mutual funds;
money market funds
 Bonds—low risk; money and earned interest is
returned when bond matures
Section 3: Saving and Investing

5. CIVICS IN PRACTICE
HOLT
HOLT, RINEHART AND WINSTON‹#›
Saving money helps the U.S. economy:
 Expansion of the economy requires capital; money in
savings is used for expansion.
 Money saved is also money invested in the economy.
 Companies’ ability to raise capital promotes the
country’s prosperity.
 Banks use money in savings to make loans to
businesspeople.
 Businesses that save are able to reinvest in
themselves.
Section 3: Saving and Investing

6. CIVICS IN PRACTICE
HOLT
HOLT, RINEHART AND WINSTON‹#›
Question: What are the different ways of saving and
investing money?
SECTION 3
Pay
Savings
Used for
regular savings
NOW accounts
CDs
money market
Bills &
Expenses
preferred
common
mutual funds
Stocks Bonds
government
corporate
savings accounts
Savings
children’s education
emergencies
retirement
large purchases