| myers_schedule_24_25.pdf |
High School Credit Tracking Idea 1
Use Alberta Educations version of a Word document with hand written entries.
Use Alberta Educations version of a Word document with hand written entries.
| diploma-credit-checklist.doc |
Credit Tracking Idea 2
Use the Google Sheets spread sheet that includes a graduation check list and requirments for post-secondary options. Need to clarify the role of LDC in this sheet.
Use the Google Sheets spread sheet that includes a graduation check list and requirments for post-secondary options. Need to clarify the role of LDC in this sheet.
Credit Tracking Idea 3
Use the Detailed Academic Report DAR from PowerSchool combined with the credit completion check sheet.
Use the Detailed Academic Report DAR from PowerSchool combined with the credit completion check sheet.
Use Pasiprep for Mypass
Automotive Finance Resources
Section 1:
In the Automotive Finance presentation we will have a quick look at budgeting using the Bean Game and then use the Practical Money Skills site to find out "How Much Car You Can Afford"
In the Automotive Finance presentation we will have a quick look at budgeting using the Bean Game and then use the Practical Money Skills site to find out "How Much Car You Can Afford"
There are several loan calculators here we need the one titled, "How Much Car Can You Afford?"
A parting thought about budgets and spending. Often we are hit with expenses that are required but urgent and we end up using credit to deal with the issue. Sometimes that works and sometimes it is the start of big financial troubles. Consider the video below for an alternative means of working with unexpected but necessary expenses.
Section 2 Reality Check
In the second step we are going to look at your present or likely personal budget for a month and then use a loan calculator from Practical Money skills to assess if we can afford the purchase of our preferred vehicle.
You will need these links
In the second step we are going to look at your present or likely personal budget for a month and then use a loan calculator from Practical Money skills to assess if we can afford the purchase of our preferred vehicle.
You will need these links
Introduction to Spending Plans
Step 1 Read "Introduction to Spending Plans" together
Step 2 - Use the spending plan for " The Just Starting Out Couple" and solve their cash problem (review as a group and complete in teams of 2 while wearing masks).
Step 3 - Read Dave Ramsey's (radio host) rules for using a Spending Plan
Step 4 - Complete a spending plan using the Blank Spending Plan and the "Cost of Living" link below.
* note there are two of you sharing a three bedroom apartment in Lethbridge, and you will find average costs for most items you want through the "cost of living" button below.
* assume it costs $250.00 for basic food supplies per person for each month - more if you buy steak or organic
* you borrow $10,000 for a used car and pay 5.6% Interest and you need to pay this car off in 4 years as it will have little value after that. (use the "Find Monthly Payment" button).
* car maintenance including, Seat Covers, Car Washes, Oil Changes, Brake Replacement and Tire Replacement ring in at $900 per year (assuming you do not break down and require repairs).
Step 2 - Use the spending plan for " The Just Starting Out Couple" and solve their cash problem (review as a group and complete in teams of 2 while wearing masks).
Step 3 - Read Dave Ramsey's (radio host) rules for using a Spending Plan
Step 4 - Complete a spending plan using the Blank Spending Plan and the "Cost of Living" link below.
* note there are two of you sharing a three bedroom apartment in Lethbridge, and you will find average costs for most items you want through the "cost of living" button below.
* assume it costs $250.00 for basic food supplies per person for each month - more if you buy steak or organic
* you borrow $10,000 for a used car and pay 5.6% Interest and you need to pay this car off in 4 years as it will have little value after that. (use the "Find Monthly Payment" button).
* car maintenance including, Seat Covers, Car Washes, Oil Changes, Brake Replacement and Tire Replacement ring in at $900 per year (assuming you do not break down and require repairs).
Spending Plan for a Couple just starting their married lives
| spending_plan_couple_just_starting.xlsx |
Blank Spending Plan so you can plan your own spending
| blank_spending_plan_for_you_.xlsx |
Average incomes and costs for Lethbridge, Alberta
Find out how much you will pay each month on your car loan.
1) Introduction to Money Management
| introduction_to_money_management__2_.pptx |
| the_bean_game__1_.pdf |
3) Needs, Wants and Financial Troubles
4 General Career Sessions
School Career Fair and Holland Codes
Holland Codes Explained
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Stop at 4:30 - The Future of Farming goes into new technology and after 4:30 it explores things like genetically modified and other topics.
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Risk Taking - Some of us are "risk takers" others are "considered risk takers" and still other people "eliminate the risk". Consider the couples reactions to this social experiment.
He says he had a perfect life - even though he has faced some destructive and difficult pressures. Every time I watch this I feel better about life and fishing.
Mike Rowe says it is not about Passion but about Employment
This Career Coach says Mike may focusing on only part of the story
Credit Cards, The Good, The Bad and The Ugly - the start of the exploration into credit and borrowing
| credit_cards_the_good_bad_and_ugly.docx |
| interest_and_credit_cards.pptx |
Workbooks and Handouts
Resume Writing
| preparing_a_hs_resume.pdf |
| resume_samples.docx |
Follow this link to get MoneySense's list of best credit cards for 2019. I like to use the list to show the dizzying array of options that credit card companies offer - it is confusing to say the least.
How Much Will Your Loan Really Cost from practicalmoneysense.ca
In this calculator you can enter the required values but leave the number of months out and it will give you the number of months to pay off the card and the cost of credit. I use this in the presentation on Credit.
In this calculator you can enter the required values but leave the number of months out and it will give you the number of months to pay off the card and the cost of credit. I use this in the presentation on Credit.
List of Lesson Planning Aid Sites
The State of Indiana has a career exploration game that allows middle school students to customize their car, explore career options based on their personality assessment and learn about salary and job prospects. I do not like the prospects part at middle school as it could cause students to reject ideas and the wage ranges are different than Canada, but the occupation information is often similar.
Finance Resources
A short game that requires you to get through a month of expenditures while having a poverty or below wage.
A US scenario game where you try to pay all the bills while not going into a deficit
Money may be the most widley abused resource that could earn significant dividends (ha ha) if youth used it wisely - but still had some fun
The Challenge Factory is a career management service for people who are nearing or in retirement. Although not attractive to high school students I thought it might be good for them to see that the rest of the world is planning and advancing those career plans.
LInk to the Government of Canada financial services page with a simple to use budget calculator
This site has many financial management resources
Career Planning or Management Sites
Health and safety resource for youth
Links to US sites that include some type of career education
Rogue Community College in the US has a Holland Codes assessment that hooks you up with a list of interesting occupations
One of the best inventories - US Government Resource with good description of Interest Types
