The document provides an overview of the Hands on Banking program for teaching financial literacy. It describes the program's curriculum and topics, how it can be integrated into classrooms, and how to use the instructor guides. The program covers all aspects of personal finance like banking, saving, spending, credit, and more. It is designed for different age groups and aims to provide real-world skills. [END SUMMARY]
Keep Teaching & Stay Connected with an LMSMeagen Farrell
Trying to move suddenly from face-to-face to digital? Churches can keep their classes and community alive with a Learning Management System (LMS). Overview of the best options for faith-based communities to stay alive in the shut down.
5R Open Course Design Framework, Fall 2015 versionDavid Wiley
A drastically simplified course design framework for use with faculty as they transition from using commercial textbooks in their courses to using open educational resources (OER).
The Next Generation of Differentiation: The Path to More Powerful Personaliza...DreamBox Learning
As education continues to change, so does our definition of differentiation. In this edWebinar, Madeline Ahearn, Curriculum Administrator in Eugene School District 4J in Oregon, and Kelly Urlacher, Senior Curriculum Designer at DreamBox Learning, explore how personalization has evolved in her district and how new innovative technologies have supported increased opportunities to personalize learning.
Are you and your learners struggling with the sudden shift to online learning brought on by COVID-19? In this presentation, we share ways that you can support your learners and help ensure their success as they pivot to online learning. In it, you'll find tips to share directly with your students from the eLearning Industry for Online Learning Success.
Keep Teaching & Stay Connected with an LMSMeagen Farrell
Trying to move suddenly from face-to-face to digital? Churches can keep their classes and community alive with a Learning Management System (LMS). Overview of the best options for faith-based communities to stay alive in the shut down.
5R Open Course Design Framework, Fall 2015 versionDavid Wiley
A drastically simplified course design framework for use with faculty as they transition from using commercial textbooks in their courses to using open educational resources (OER).
The Next Generation of Differentiation: The Path to More Powerful Personaliza...DreamBox Learning
As education continues to change, so does our definition of differentiation. In this edWebinar, Madeline Ahearn, Curriculum Administrator in Eugene School District 4J in Oregon, and Kelly Urlacher, Senior Curriculum Designer at DreamBox Learning, explore how personalization has evolved in her district and how new innovative technologies have supported increased opportunities to personalize learning.
Are you and your learners struggling with the sudden shift to online learning brought on by COVID-19? In this presentation, we share ways that you can support your learners and help ensure their success as they pivot to online learning. In it, you'll find tips to share directly with your students from the eLearning Industry for Online Learning Success.
Course SyllabusCourse DescriptionPresents the fundamen.docxvanesaburnand
Course Syllabus
Course Description
Presents the fundamentals of business principles and practices. Business strategies emphasized are decision-making and
planning, teamwork, technology, and communication. Topics include analysis of the business environment, starting a new
business, managing business and employees, marketing, accounting, and finance.
Course Textbook(s)
No physical textbook is required; resources are integrated within the course.
Course Learning Outcomes
Upon completion of this course, students should be able to:
1. Identify basic business concepts.
2. Examine the different environments in which businesses operate, to include social, technological, economic, legal,
and market.
3. Explain management functions of planning, organizing, leading, and controlling.
4. Identify the basic principles of marketing.
5. Determine the function and role of human resources, including key aspects of human resource management.
6. Discuss the importance of ethics and social responsibility in business.
7. Evaluate concepts associated with entrepreneurship.
8. Explain how outsourcing, offshoring, and foreign entities affect the operation of businesses in the United States.
Credits
Upon completion of this course, the students will earn 3 hours of college credit.
Course Structure
1. Study Guide: Course units contain a Study Guide that provide students with the learning outcomes, unit lesson,
required reading assignments, and supplemental resources.
2. Learning Outcomes: Each unit contains Learning Outcomes that specify the measurable skills and knowledge
students should gain upon completion of the unit.
3. Unit Lesson: Unit Lessons, which are located in the Study Guide, discuss lesson material.
4. Reading Assignments: Units contain Reading Assignments from one or more chapters from the textbook and/or
outside resources.
5. Suggested Reading: Suggested Readings are listed within the Study Guide. Students are encouraged to read the
resources listed if the opportunity arises, but they will not be tested on their knowledge of the Suggested Readings.
6. Discussion Boards: Discussion Boards are part of all CSU Term courses. More information and specifications can
be found in the Student Resources link listed in the Course Menu bar.
7. Unit Quizzes: This course contains Unit Quizzes. It is suggested that the quizzes be completed before students
complete the Unit Assessments. Quizzes are used to give students quick feedback on their understanding of the unit
material.
8. Unit Assessments: This course contains Unit Assessments, which test student knowledge on important aspects of
the course. These tests may come in many different forms, ranging from multiple choice to written response
questions.
9. Unit Assignments: Students are required to submit for grading Unit Assignments. Specific information and
instructions regarding these assignments are provided below. Grading rubrics are included with each assignment.
Specific information about a.
ECON 2028Homework 6Dr. Grammy1. List and describe .docxSALU18
ECON 2028
Homework 6
Dr. Grammy
1. List and describe three functions of money.
- barter the direct exchange of goods and service for other goods and service.
- medium of exchange, or means of payment what sellers generally accept and buyers generally use to pay for goods and services.
- store of value an asset that can be used to transport purchasing power from one time period to another.
2. Kirk Deposits $3,000 in dollar bills in his checking account at Bank A. Find the change in
a. M1 =
b. M2 =
3. Mary deposits $1,500 in dollar bills in her saving account at Bank B. Find the change in
c. M1 = 0
d. M2 = 1,500
4. Use the following data to calculate M1 and M2.
Money market accounts = 190
Credit card balances = 800
Stock market holdings = 1,000
Checking account deposits = 950
Coins and bills held outside banks = 560
Money market mutual funds = 450
United States saving bonds = 700
Travelers’ checks = 150
Other checking account deposits = 380
Saving account deposits = 900
Treasury notes = 650
United States oil reserves= 900
United States gold reserves = 870
a. M1 =
b. M2 =
5. Mr. Smith deposits $2,400 in her checking account at Bank C. Given a required reserve ratio of 3%, find the bank’s
a. RR =
b. ER =
c. The maximum amount of new loans by Bank C =
6. First Union Bank has $8,000,000 in reserves and $15,000,000 in checking deposits. With a required reserve ratio of 5%, calculate
a. RR =
b. ER =
c. The maximum amount of loans First Union Bank =
d. Money Multiplier =
e. The maximum amount by loans by all banks =
Instructions
Show your calculations and give detailed answers to earn full credit. Type your answers in MS Word. Name your answer file Homewrok-6. Attach your file to an E-mail message within Blackboard by 11:00 P.M. Wednesday, March 29, 2017. Late homework assignments and homework assignments not written in Word or not received in Blackboard will not be graded.
Submit your homework to:
Elizabeth Fernandez (Grader)
Breanna Young (Grader)
Note:
This is an individual assignment; it is not a team/group assignment.
See me or an ECON tutor if you need assistance.
Course Syllabus
Course Description
Presents the fundamentals of business principles and practices. Business strategies emphasized are decision-making and
planning, teamwork, technology, and communication. Topics include analysis of the business environment, starting a new
business, managing business and employees, marketing, accounting, and finance.
Course Textbook(s)
No physical textbook is required; resources are integrated within the course.
Course Learning Outcomes
Upon completion of this course, students should be able to:
1. Identify basic business concepts.
2. Examine the different environments in which businesses operate, to include social, technological, economic, legal,
and market.
3. Explain management functions of planning, organizing, leading, and controlling.
4. Identify the basic principles of marketing.
5. Determine the ...
This presentation is produced in the DigiCare project go-funded by Erasmus+ Capacity Building for Higher Education, CBHE.
This is the eighth of ten learning packages produced in the DigiCare project as support materials for implementing the DigiCare model and supporting teachers with ready-made materials.
The learning packages are designed to be adaptable to the specific needs of each Higher Education Institution (HEI) and healthcare student group. While they provide essential information, they are not exhaustive in their coverage. Active pedagogical tools are incorporated into the packages, which can be employed during theory lessons. Each presentation includes a Notes section below the slides, offering ideas for teachers and recommendations for further reading.
The learning packages can be translated, edited, and supplemented with additional content as desired. The packages can be used as a complete set or individually, based on the specific requirements of users. Each learning package is accompanied by an introductory slides and the final slide provides information about the subsequent package in the series.
Gen 201 Effective Communication / snaptutorial.comHarrisGeorg20
GEN 201 Week 1 Preparing for Academic Success GEN 201 Week 1 Student Resources Worksheet GEN 201 Week 1 Responsible Borrowing GEN 201 Week 2 Thesis Statement and Informal Outline Worksheet GEN 201 Week 3 Using Sources GEN 201 Week 4 Critical Thinking and Ethics Assignment Options GEN 201 Week 5 Career Interests and Market Research Worksheet GEN 201 Week 5 Continuing Academic Success
E4 Youth is a non-profit 501(c)(3) organization in Austin, TX that helps bridge the gap between underserved creative youth and careers within the creative economy. This "Get Creative" Enrichment Curriculum Sample demonstrates our approach to cultivating high achievement from creative learners. Each class starts with a 20 - 30 minute standards aligned (Social Emotional Learning, Texas Essential Knowledge and Skills) activity and transitions into creative projects based on the students' demonstrated interests. Projects are reviewed based on a rubric and students earn rewards that expose them to careers within the creative economy.
GEN 201 Education Organization - snaptutorial.comdonaldzs191
For more classes visit
www.snaptutorial.com
GEN 201 Week 1 Preparing for Academic Success GEN 201 Week 1 Student Resources Worksheet GEN 201 Week 1 Responsible Borrowing GEN 201 Week 2 Thesis Statement and Informal Outline Worksheet
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
Course SyllabusCourse DescriptionPresents the fundamen.docxvanesaburnand
Course Syllabus
Course Description
Presents the fundamentals of business principles and practices. Business strategies emphasized are decision-making and
planning, teamwork, technology, and communication. Topics include analysis of the business environment, starting a new
business, managing business and employees, marketing, accounting, and finance.
Course Textbook(s)
No physical textbook is required; resources are integrated within the course.
Course Learning Outcomes
Upon completion of this course, students should be able to:
1. Identify basic business concepts.
2. Examine the different environments in which businesses operate, to include social, technological, economic, legal,
and market.
3. Explain management functions of planning, organizing, leading, and controlling.
4. Identify the basic principles of marketing.
5. Determine the function and role of human resources, including key aspects of human resource management.
6. Discuss the importance of ethics and social responsibility in business.
7. Evaluate concepts associated with entrepreneurship.
8. Explain how outsourcing, offshoring, and foreign entities affect the operation of businesses in the United States.
Credits
Upon completion of this course, the students will earn 3 hours of college credit.
Course Structure
1. Study Guide: Course units contain a Study Guide that provide students with the learning outcomes, unit lesson,
required reading assignments, and supplemental resources.
2. Learning Outcomes: Each unit contains Learning Outcomes that specify the measurable skills and knowledge
students should gain upon completion of the unit.
3. Unit Lesson: Unit Lessons, which are located in the Study Guide, discuss lesson material.
4. Reading Assignments: Units contain Reading Assignments from one or more chapters from the textbook and/or
outside resources.
5. Suggested Reading: Suggested Readings are listed within the Study Guide. Students are encouraged to read the
resources listed if the opportunity arises, but they will not be tested on their knowledge of the Suggested Readings.
6. Discussion Boards: Discussion Boards are part of all CSU Term courses. More information and specifications can
be found in the Student Resources link listed in the Course Menu bar.
7. Unit Quizzes: This course contains Unit Quizzes. It is suggested that the quizzes be completed before students
complete the Unit Assessments. Quizzes are used to give students quick feedback on their understanding of the unit
material.
8. Unit Assessments: This course contains Unit Assessments, which test student knowledge on important aspects of
the course. These tests may come in many different forms, ranging from multiple choice to written response
questions.
9. Unit Assignments: Students are required to submit for grading Unit Assignments. Specific information and
instructions regarding these assignments are provided below. Grading rubrics are included with each assignment.
Specific information about a.
ECON 2028Homework 6Dr. Grammy1. List and describe .docxSALU18
ECON 2028
Homework 6
Dr. Grammy
1. List and describe three functions of money.
- barter the direct exchange of goods and service for other goods and service.
- medium of exchange, or means of payment what sellers generally accept and buyers generally use to pay for goods and services.
- store of value an asset that can be used to transport purchasing power from one time period to another.
2. Kirk Deposits $3,000 in dollar bills in his checking account at Bank A. Find the change in
a. M1 =
b. M2 =
3. Mary deposits $1,500 in dollar bills in her saving account at Bank B. Find the change in
c. M1 = 0
d. M2 = 1,500
4. Use the following data to calculate M1 and M2.
Money market accounts = 190
Credit card balances = 800
Stock market holdings = 1,000
Checking account deposits = 950
Coins and bills held outside banks = 560
Money market mutual funds = 450
United States saving bonds = 700
Travelers’ checks = 150
Other checking account deposits = 380
Saving account deposits = 900
Treasury notes = 650
United States oil reserves= 900
United States gold reserves = 870
a. M1 =
b. M2 =
5. Mr. Smith deposits $2,400 in her checking account at Bank C. Given a required reserve ratio of 3%, find the bank’s
a. RR =
b. ER =
c. The maximum amount of new loans by Bank C =
6. First Union Bank has $8,000,000 in reserves and $15,000,000 in checking deposits. With a required reserve ratio of 5%, calculate
a. RR =
b. ER =
c. The maximum amount of loans First Union Bank =
d. Money Multiplier =
e. The maximum amount by loans by all banks =
Instructions
Show your calculations and give detailed answers to earn full credit. Type your answers in MS Word. Name your answer file Homewrok-6. Attach your file to an E-mail message within Blackboard by 11:00 P.M. Wednesday, March 29, 2017. Late homework assignments and homework assignments not written in Word or not received in Blackboard will not be graded.
Submit your homework to:
Elizabeth Fernandez (Grader)
Breanna Young (Grader)
Note:
This is an individual assignment; it is not a team/group assignment.
See me or an ECON tutor if you need assistance.
Course Syllabus
Course Description
Presents the fundamentals of business principles and practices. Business strategies emphasized are decision-making and
planning, teamwork, technology, and communication. Topics include analysis of the business environment, starting a new
business, managing business and employees, marketing, accounting, and finance.
Course Textbook(s)
No physical textbook is required; resources are integrated within the course.
Course Learning Outcomes
Upon completion of this course, students should be able to:
1. Identify basic business concepts.
2. Examine the different environments in which businesses operate, to include social, technological, economic, legal,
and market.
3. Explain management functions of planning, organizing, leading, and controlling.
4. Identify the basic principles of marketing.
5. Determine the ...
This presentation is produced in the DigiCare project go-funded by Erasmus+ Capacity Building for Higher Education, CBHE.
This is the eighth of ten learning packages produced in the DigiCare project as support materials for implementing the DigiCare model and supporting teachers with ready-made materials.
The learning packages are designed to be adaptable to the specific needs of each Higher Education Institution (HEI) and healthcare student group. While they provide essential information, they are not exhaustive in their coverage. Active pedagogical tools are incorporated into the packages, which can be employed during theory lessons. Each presentation includes a Notes section below the slides, offering ideas for teachers and recommendations for further reading.
The learning packages can be translated, edited, and supplemented with additional content as desired. The packages can be used as a complete set or individually, based on the specific requirements of users. Each learning package is accompanied by an introductory slides and the final slide provides information about the subsequent package in the series.
Gen 201 Effective Communication / snaptutorial.comHarrisGeorg20
GEN 201 Week 1 Preparing for Academic Success GEN 201 Week 1 Student Resources Worksheet GEN 201 Week 1 Responsible Borrowing GEN 201 Week 2 Thesis Statement and Informal Outline Worksheet GEN 201 Week 3 Using Sources GEN 201 Week 4 Critical Thinking and Ethics Assignment Options GEN 201 Week 5 Career Interests and Market Research Worksheet GEN 201 Week 5 Continuing Academic Success
E4 Youth is a non-profit 501(c)(3) organization in Austin, TX that helps bridge the gap between underserved creative youth and careers within the creative economy. This "Get Creative" Enrichment Curriculum Sample demonstrates our approach to cultivating high achievement from creative learners. Each class starts with a 20 - 30 minute standards aligned (Social Emotional Learning, Texas Essential Knowledge and Skills) activity and transitions into creative projects based on the students' demonstrated interests. Projects are reviewed based on a rubric and students earn rewards that expose them to careers within the creative economy.
GEN 201 Education Organization - snaptutorial.comdonaldzs191
For more classes visit
www.snaptutorial.com
GEN 201 Week 1 Preparing for Academic Success GEN 201 Week 1 Student Resources Worksheet GEN 201 Week 1 Responsible Borrowing GEN 201 Week 2 Thesis Statement and Informal Outline Worksheet
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
#pi network #pi coins #legit #passive income
#US
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just what'sapp this number below. I sold about 3000 pi coins to him and he paid me immediately.
+12349014282
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the what'sapp information for my personal pi vendor.
+12349014282
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Hands on banking all a bout credit
1.
2. TOPIC 5 – ALL ABOUT CREDIT
WELCOME TO WELLS FARGO’S HANDS ON BANKING®
PROGRAM!
This fun, interactive, and engaging financial education program is designed for both self-paced, individual
learning and classroom use. These Instructor Guides are designed to help you share this valuable
program with groups of any size.
In these guides, you’ll find everything you need to lead participants through real-life scenarios, group
discussions, and activities that will encourage them to apply these lessons to their daily lives.
By sharing Hands on Banking with others, you’ll help them to take control of their finances and build a
brighter financial future.
Program Overview
Hands on Banking covers all the basics of smart money management. The curriculum is designed for four
age groups: Adults, Young Adults (ages 15-21) Teens (grades 6-8) and Kids (grades 4 and 5).
Hands on Banking is an easy and enjoyable way to teach and learn the essentials of financial education:
the basics of bank services, the importance of saving, smart money management, using credit
responsibly, investing, wealth building, and more. Whether it’s opening a checking account, avoiding
identity theft, paying for college, applying for a credit card, or starting a small business, Hands on Banking
provides real-world skills and knowledge everyone can use.
Educational Standards
It’s easy to integrate Hands on Banking into the classroom: the lessons for school-aged students are
aligned with national and state educational standards for economics, financial literacy, mathematics, and
English language arts.
The segments in this program adhere to the following economics, financial literacy, mathematics, and
English language arts standards:
•
National Council of Economic Education, the National Association of Economics Educators, and
the Foundation for Teaching Economics, Voluntary National Content Standards in Economics
(1997). For details, see www.fte.org.
•
JumpStart Coalition for Personal Financial Literacy, National Standards in K-12 Personal Finance
Education (2007). For details, see www.jumpstartcoalition.org
•
National Council of Teachers of Mathematics, Principles and Standards for School Mathematics
(2000), Grades 9-12. For details, see www.standards.nctm.org.
•
The National Council of Teachers of English (NCTE) and International Reading Association
(IRA), Standards for the English Language Arts (1996); Grades K-12. For details, see
www.ncte.org.
3. TOPIC 5 – ALL ABOUT CREDIT
Using the Instructor Guides
The Instructor Guides can be used alone or as an adjunct to the online/CD-ROM program; however, we
strongly encourage you to review the program online or request a free CD-ROM. Even if participants will
not experience the program online, gaining familiarity with the online program will help you present it
more effectively. The online program includes simulations, calculators and an extensive resource library
to help supplement these guides—please take advantage of all these great resources.
Each topic in Hands on Banking has its own Instructor Guide which follows the organization of the online
program and includes much of the same content. The Young Adults version of the Hands on Banking
program includes six topics:
1.
2.
3.
4.
5.
6.
Getting Started
Earning $
Spending Smart
Save, Invest & Build Wealth
All About Credit
School & $
Each Instructor Guide includes:
• A glossary of all the relevant terms introduced in the topic
• A lesson introduction which includes:
o An overview
o Learning objectives
o Sample discussion questions to start the lesson
o "The Basics"—a list of bullet points outlining the key concepts of the lesson
• A lesson summary of all the key concepts of the lesson
• Activities, quizzes, discussion questions, handouts and important tips for key concepts
• A topic summary that lists all the major concepts of the topic
• Additional activities designed to extend the concepts presented in the topic to the real world
• A Library Resource section that includes additional reference materials and handouts
The instructions for organizing your group for activities are recommendations only. You know what will
work best when it comes to teaching and engaging your group.
Lesson Concepts and Icons
Each lesson of a topic will present several key concepts. These concepts are introduced to your
participants in a variety of ways which are represented by these icons.
Activity
An activity usually involves some sort of class participation, whether it is a matching game, a fill in the
blank exercise, or worksheet completion. Typically after an activity you will have the opportunity to lead a
discussion.
Discussion
Discussions allow you to introduce key concepts while involving your participants in the conversation and
making the information relevant to them. In some places, sample discussion questions are included to
help you guide the discussion.
4. TOPIC 5 – ALL ABOUT CREDIT
Quiz
Throughout all the topics, there are short quizzes designed to start discussions or quickly test
participants' knowledge of certain concepts.
Handout
All of the Instructor Guides include handouts that are designed as a resource for your participants to use
outside the classroom in their daily lives. For example, there are handouts that describe how to prepare
for a job interview and how to apply for a credit card.
Activity and Discussion Handouts
Sometimes during a lesson, an activity or discussion will also use a handout to teach key
concepts. In these cases the Handout icon is placed below the Activity or Discussion icon.
Transition
The Transition icon will let you know when the next concept is related to or follows up on the concept
you're presently discussing or covering with your participants.
Library Articles
The online/CD-ROM version of Hands on Banking includes a vast library with relevant articles, checklists,
and worksheets for each topic and lesson.
Relevant library articles are recommended at the end of each lesson to use while teaching key concepts
(look for the library icon as seen above). We encourage you to review the full library selection online or on
the program CD-ROM. Feel free to enrich your classroom sessions with any additional articles from the
library.
You can photocopy these articles and distribute them to participants to start a discussion, or you may
want to give them away as handouts for participants to read on their own time. These library articles
expand the topic content.
Pre-and Post-tests for Adults and Young Adults
When you use the Adults and/or Young Adult course with a group or in a classroom setting, we invite you
to use the Hands on Banking pre- and post-test we’ve developed. They can be accessed in the
“Instructional Resources” section of handsonbanking.org.
o
o
The Pre-test will help you to determine what topics to emphasis with your group.
The Post-test will help you assess participants progress
We’d like to request that you report the anonymous results of these tests to our Hands on Banking team.
Your input will help us to continue to improve the program.
How to Access the Interactive Program
5. TOPIC 5 – ALL ABOUT CREDIT
Hands on Banking is available free of charge in both English and Spanish.
•
On the Web at www.handsonbanking.org and www.elfuturoentusmanos.org.
•
Available for free on CD-ROM—all four age groups are included.
•
You may order a CD at HOBCD@wellsfargo.com. There is no charge for small quantities of the
CD-ROM. Please email for information regarding high-volume requests. Allow two weeks for
delivery.
Once again, Thank You!
Thank you for sharing these valuable financial education programs with students and adults in our
communities. As an instructor, your training and guidance will provide others with the knowledge and
skills they need for a brighter financial future.
We welcome your comments and suggestions for future versions of the Hands on Banking curriculum
and the Instructor Guides. And, we would very much like to hear your success stories. Please contact us
via email at HOBinfo@wellsfargo.com.
ALL ABOUT CREDIT
6. TOPIC 5 – ALL ABOUT CREDIT
TOPIC OVERVIEW
The All About Credit topic teaches participants the basics of credit. It explains credit scores, credit
reports, credit cards, loans and how to deal with debt. Throughout the topic, participants are introduced to
good and bad credit and learn how to build good credit and avoid too much debt.
The topic includes:
1.
2.
3.
4.
5.
6.
7.
Before you borrow
Credit basics
Your credit score
Your credit report
Credit cards
Loans
Dealing with debt
These lessons include a number of hands-on participant activities. Use these activities to help simulate
real-world scenarios and activities with your participants.
This instructor guide is based on and follows the structure of the online Hands on Banking® program. We
invite you to use and experience the online program as it is an excellent resource that will support your
instructional efforts and enhance your participants' experience. It includes a variety of interactive lessons
and many helpful resource library articles to augment this guide. Visit www.handsonbanking.org to
access the program. Should you require a CD ROM to access the program you may request a free copy
at HOBCD@wellsfargo.com.
7. TOPIC 5 – ALL ABOUT CREDIT
Instructor’s Guide – Young Adults
Table of Contents
Topic Overview..............................................................................................................................................6
Glossary .....................................................................................................................................................9
Lesson 1: Before You Borrow ................................................................................................................. 14
Credit Quiz (Instructor Copy) .............................................................................................................. 15
Lesson Summary .................................................................................................................................... 16
Lesson 2: Credit Basics .......................................................................................................................... 17
Credit risks vs. benefits (Instructor Copy) ........................................................................................... 18
Good credit vs. bad (Instructor Copy) ................................................................................................. 19
Steps to Establish Credit (Instructor Copy) ......................................................................................... 20
The “Five Cs” of Credit Activity (Instructor Copy) ............................................................................... 21
Lesson Summary .................................................................................................................................... 23
Lesson 3: Your Credit Score................................................................................................................... 24
Your Credit Score and How It's Determined (Instructor Copy) ........................................................... 25
How Your Credit Score Can Impact You (Instructor Copy) ................................................................ 26
How You Can Impact Your Score (Instructor Copy) ........................................................................... 27
Lesson Summary .................................................................................................................................... 28
Lesson 4: Your Credit Report ................................................................................................................. 29
Scenario: Finding an error Activity (Instructor Copy) .......................................................................... 30
What is a Credit Report? (Instructor Copy) ......................................................................................... 32
How to Obtain Your Credit Report Discussion (Instructor Copy) ........................................................ 33
How to Read Your Credit Report (Instructor Copy) ............................................................................ 34
Lesson Summary .................................................................................................................................... 38
Lesson 5: Credit Cards ........................................................................................................................... 39
Scenario Activity— Pay now or pay later? (Instructor Copy) .............................................................. 40
The basics of credit cards (Instructor Copy) ....................................................................................... 42
Go Low and Repay Fast Activity (Instructor Copy) ............................................................................. 44
Killer credit card tips! Activity (Instructor Copy) .................................................................................. 46
How to Read Your Credit Card Statement (Instructor Copy) .............................................................. 48
Credit Card Safety (Instructor Copy) ................................................................................................... 52
Scenario Activity— How Should Ryan Respond? (Instructor Copy) .................................................. 55
Lesson Summary .................................................................................................................................... 57
Lesson 6: Loans ..................................................................................................................................... 58
Jordan's Motor Scooter (Instructor Copy) ........................................................................................... 59
How Loans Work (Instructor Copy) ..................................................................................................... 61
8. TOPIC 5 – ALL ABOUT CREDIT
Instructor’s Guide – Young Adults
Table of Contents
Term and Rate Affect Loan Costs (Instructor Copy) ........................................................................... 62
Term and Rate Affect Loan Costs ....................................................................................................... 63
Loans Step-by-Step (Instructor Copy) ................................................................................................ 64
Warning Signs to Watch For (Instructor Copy) ................................................................................... 67
Lesson Summary .................................................................................................................................... 71
Lesson 7: Dealing With Debt .................................................................................................................. 72
Scenario Activity— One more loan? (Instructor Copy) ....................................................................... 73
Scenario Activity— One more loan? (Instructor Copy) ....................................................................... 75
Using Credit Wisely (Instructor Copy) ................................................................................................. 76
Warning Signs of Too Much Debt (Instructor Copy) ........................................................................... 78
Tips for Dealing With Debt (Instructor Copy) ...................................................................................... 79
Lesson Summary .................................................................................................................................... 82
Topic Summary....................................................................................................................................... 83
Test Yourself (Instructor Copy) ........................................................................................................... 84
Appendix ................................................................................................................................................. 86