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Credits: 0.5
Prerequisite: Pre-algebra
Recommended: 9th – 12th
Course Description: This high school course prepares students as savvy consumers. The course base is drawn from an online consumer math textbook. There are about a dozen mini lessons mixed into the course, where students will learn a bit about banking, economics, debt/interest, cryptocurrency, entrepreneurship, philanthropy and more. Those lessons came from ngpf.org. (You do not need to purchase anything for this course. Everything you need is included in the online lessons.)

Lesson 1(*)

1. (*) Print out your course grading sheet or download the Excel version.
2. Complete Section 1-1.
   • Check your answers. Fix any mistakes. Make sure you understand.
   • Record your score out of 10.
3. Complete Section 1-2.
   • Check your answers. Fix any mistakes. Make sure you understand.
   • Record your score out of 5.
4. Appendix tables

Lesson 2

1. Complete Section 1-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 1-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 3

1. Complete Section 1-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 10.
4. Complete Section 1-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 4

1. Complete Section 1-7.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Appendix tables

Lesson 5

1. Complete the chapter review.
2. Check your answers.
3. Record your score out of 3.
4. Appendix tables

Lesson 6

1. Complete Section 2-1.  You can find the table you need in the Appendix.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Complete Section 2-2.
5. Check your answers.
6. Fix any mistakes. Make sure you understand.
7. Record your score out of 7.
8. Appendix tables

Lesson 7

1. Complete Section 2-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 2-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 8

1. Complete Section 2-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 2-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 4.
7. Appendix tables

Lesson 9

1. Complete the review.
2. Check your answers.
3. Record your score out of 9.
4. Appendix tables

Lesson 10

1. Watch the video, If Paychecks Could Talk.
2. Watch the video and answer the questions. How to Read a Pay Stub
3. (*) Do the worksheet. Fine Print: Pay Stub
4. Answers

Lesson 11

1. Complete the assignments and answer the questions.
   • Research: The Tax Cycle
   • Compare: Tax Forms and Their Purpose
   • What you need to know about the W-4
   • Fine Print
2. Answers

Lesson 12

1. Review these reference items
   • Tax References
   • Can I Claim Them as a Dependent?
   • Do I Need to File a Return
2. Which of the following people is/are legally required to file a tax return? 
   • • Amanda, who can be claimed as a dependent and earned $850 last year
     • Greg, who can be claimed as a dependent and earned $16,500 last year
     • Jason, who cannot be claimed as a dependent and earned $1,500 last year
     • Erin, who cannot be claimed as a dependent and earned $15,200 last year
3. The resource mentions that if the IRS owes you a refund, you won’t be penalized if you file your tax return late. Why might you want to file your tax return on time anyway? 
4. When filling out a W-4 form, in what situation would a teen want to claim exemption from federal income taxes being withheld from their paycheck? What is the benefit of doing so? 
5. What is the amount of the self-employment tax (SECA) and how does it compare to FICA taxes?
6. Should They File a Tax Return? Read each scenario and determine if they need to file.
7. Answers

Lesson 13

1. Complete the lessons on completing your taxes.
2. Below are the links for the lesson.
   • Tax Preparation Checklist for Teens
   • Ways to file your taxes – List the three ways to file and pros/cons of each.
   • What’s a W2 form?
   • FINE PRINT_ W-2 Form – Answer the questions on pages 2 & 3.
   • State Income Tax Rates
3. Answers

Lesson 14

1. Complete the activity for completing 1040s.
2. You are going to do a 1040 for each of those people/scenarios.
3. You won’t do section 4.
4. Your next lesson will be to complete a 1040.
5. There are no answers for this.

Lesson 15

1. Print out a 1040 form or a 1040EZ form. Make sure it is for the previous year. If it is 2023 currently, your 1040 and tax forms should say 2022.
2. Complete the Math Studio. This has the 1040 mentioned for comparison. You can do this lesson, or do your own taxes if it is that time of year, or if you already filed your taxes but had help and want to try again by yourself. Then you can compare your work to what was filed.
3. You will have two lessons in which to complete this assignment, just to make sure you get it done. It’s different from the directions. They changed the forms on us! Take the time and figure it out. You can save a lot of money by doing your taxes yourself.
4. By the way, if you work for yourself, you don’t get a W2 form. You will fill out something called a Schedule C if you want to look at that. You must use the regular 1040 form (not EZ) if you work for yourself and fill out a Schedule C.
5. You can finish this for your next lesson. That’s all you have to do for your next lesson.

Lesson 16

1. Finish your taxes if you haven’t already.
2. Did you make a copy? Copy and file it away. I know this is pretend, but pretend. Don’t forget to keep a copy if you file a paper return.
3. If you type into the pdf online, then make sure it is saved somewhere. That will be your copy.
4. There is no answer key for this.

Lesson 17

1. Complete Section 3-1.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 3-2.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 5.
7. Appendix tables

Lesson 18

1. Complete Section 3-3.
2. Check your answers.
3. Record your score out of 8.
4. Complete the review.
5. Check your answers.
6. Record your score out of 7.
7. Appendix tables

Lesson 19

1. Create a budget sheet or use the worksheets on pages 9 and 10. Do you have any income and expenses? Use those. If not, ask your parents to help you with some numbers (general or specific).
2. Label what’s fixed, what’s flexible, and show where you could (or should) save money.
3. Make a financial goal.

Lesson 20

1. Complete the lesson on checking accounts. You are going to skip the first activity. Deposits put money in and increase your account total. Withdrawals take away and decrease your account total.
2. Below are links contained in the lesson. You can click on them inside the lesson.
   • How you can access your money
   • Are credit unions better than big banks?
   • 10 reasons to open a bank account
   • How to read a bank statement
   • Fine Print – Reading a bank statement
3. Answers

Lesson 21

1. Do the lesson on savings accounts.
2. Below are the links for the lesson.
   • Personal savings rate
   • What’s the difference between checking and savings?
   • Compound Interest Explained
   • Tips on Opening a Savings Account
   • Compare: Types of Savings Accounts  You don’t have to do them all. Maybe do two and then use those in the second part. Spend 15 minutes on it. At the end you can check the answers and learn anything you didn’t get to.
3. Answers

Lesson 22

1. Do the lesson on banking fees.
2. Below are the links for the lesson.
   • Typical banking fee amounts
   • How to Avoid Banking Fees (requires you to allow ads)
   • Overdraft Protection
   • Overdraft Fees activity
   • Mobile Alerts to help
3. Answers

Lesson 23

1. Complete the lesson on being unbanked.
2. Below are the links for the lesson.
   • What percent of teens have opened a bank account?
   • The Costs of Being Unbanked or Underbanked
   • What’s is a prepaid card?
   • Payroll card
   • What’s the banking status of your area?
3. Answers

Lesson 24

1. Complete the lesson on savings strategies.
2. Below are the links for the lesson.
   • Create: Your Savings Goals
   • How much should I save?
   • Infographic on budgeting percentages
   • Guide to budgeting
   • Pay Yourself First
   • Money Saving Apps
3. Answers

Lesson 25

1. Complete Section 4-1.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 4-2.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 26

1. Complete Section 4-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 6.
4. Complete Section 4-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 27

1. Complete Section 4-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 4-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 6.
7. Appendix tables

Lesson 28

1. Complete the review.
2. Check your answers.
3. Record your score out of 14.
4. Appendix tables

Lesson 29

1. Ask your parents for a bank statement and credit card statement.
2. Figure out what you are looking at. Understand it.

Lesson 30

1. Complete Section 5-1.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 5-2.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 31

1. Complete Section 5-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 9.
4. Complete Section 5-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 32

1. Complete Section 5-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 5-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 5.
7. Appendix tables

Lesson 33

1. Complete Section 5-7.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 5-8.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 5.
7. Appendix tables

Lesson 34

1. Complete the review.
2. Check your answers.
3. Record your score out of 5.
4. Appendix tables

Lesson 35

1. Complete Cutting Expenses #4 on pages 12 and 13.
2. Check your answers.
3. Record your score out of 10.

Lesson 36

1. Make a list of ways your income can grow and ways expenses can grow.
2. What specific ways can you increase your income (some general examples: put your money where it will gain interest, work more hours, find ways to build passive income…)? List some SPECIFIC things.
3. What are some specific ways you can decrease your expenses? (some general examples: don’t go out to eat, make presents rather than buying them…)

Lesson 37

1. Scroll down and do Loan Basics.
2. Answer the questions and check your answers.
3. Do the lesson on credit cards. You can skip the little intro question on your thoughts.
4. Below are the links from the lesson.
   • Comparing Cards
   • What Young People Need to Know About Credit
   • Things to consider when applying for a credit card
   • Read the statement
5. Answers

Lesson 38

1. Complete the lesson on credit.
2. Scroll down and do Credit Card Debt Explained (video).
3. Do the shopping with interest activity.
4. Watch the video on amortization and answer the questions.
5. Answers

Lesson 39

1. Watch the video and answer the questions: All About Car Loans.
2. Try the auto loan calculator. Follow the directions and fill in the chart.
   • Make observations.
   • What did you learn from the chart?
3. Do the activity to compare auto loans.
4. Answers

Lesson 40

1. Complete this lesson on predatory lending.
   • Do the cartoon question and the EdPuzzle.
   • Watch the video on payday lending.
   • Play Shady Sam.
   • Read about possible alternatives to payday lending.
2. No answers today. What did you learn?

Lesson 41

1. Complete Section 6-1.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Complete Section 6-2.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 42

1. Complete Section 6-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Complete Section 6-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 43

1. Complete Section 6-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Complete Section 6-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 44

1. Complete Section 6-7.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Appendix tables

Lesson 45

1. Complete the review.
2. Check your answers.
3. Record your score out of 8.
4. Appendix tables

Lesson 46

1. Find the best price for plane tickets (pick any destination). Make sure all fees and taxes are included. Then check the departure and arriving times and length of layover. Are you giving anything up for that lower cost?
2. Complete Section 7-1.
3. Check your answers. Fix any mistakes. Make sure you understand.
4. Record your score out of 7.
5. Appendix tables

Lesson 47

1. Complete Section 7-2.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 7-3.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 48

1. Complete Section 7-4.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete the review.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 6.
7. Appendix tables

Lesson 49

1. Find a credit card with no annual fee.
2. Find a bank account with no monthly maintenance free.
3. What other fees do they have? How easily are they avoided?
4. Note: You should only have a credit card for making purchases, not for actually using credit. It is just credit in that they pay at the moment, and you pay at the end of the month (billing period). The goal is to NEVER, EVER use a credit card as credit. That means you always pay your “statement balance” in full. In other words, you always pay for what you buy. They will say that you can pay the minimum balance. Why is that a bad idea?

Lesson 50

1. Look at this graphic on the college funding process. (Of course, prayer and seeking wisdom from God aren’t on the list but should be the first priority.)
2. Read about the true cost of going to college.
   • What are ways you can control costs to lower them?
3. Very expensive private schools can actually be cheaper than the lower cost public colleges. Why? Look at this explanation of net cost.
4. Check out this tuition tracker. Pick a college or two and see the sticker price and expected actual cost for different income brackets. You change the income brackets on the chart, but they are all shown there.
5. Look at the comparison of wages. Is college worth it?
6. Look at this list of jobs that don’t require a degree. What do you notice? (However, just because it says you only need a high school degree, doesn’t mean others applying won’t have a college degree and therefore have an advantage in the hiring process; or maybe they went to a technical school and have an advantage there.)
7. No answers for this activity. Tell someone what you learned.

Lesson 51

1. Find the answer. Learn about how many students receive financial aid.
2. You’ll want to apply for scholarships and grants first from whatever sources you can. Your school probably offers work study, where you get a job on campus to help pay for things. The last place you want to get funding from is loans, but if you do, you’ll want to look at federal student loans first.
3. Watch the video on saving on tuition.
4. How can you save money by transferring credit?
5. Check out Modern States. How can it help? What does it do for you?
6. Here are tips for finding scholarships.
7. Here are tips for finding grants.
8. My daughter went to an expensive private school. We paid nothing ourselves and she took no loans. It can happen!
9. No answers for this lesson. Are you taking away any tips, advice?

Lesson 52

1. Let’s look at student loans today, though my desire is that you would never have debt.
2. Watch the video and answer the questions.
3. Read about low-interest loans to students.
4. Read about interest rates.
5. Compare loan types. Click on the + sign a few times to make it readable. This graphic makes one type of loan the clear winner. Which is it?
6. Watch the video on student loan repayment options.
7. Learn about delaying student loan payments. This opens on YouTube. Make it full screen to avoid distraction.
8. No answers for today, but here’s a cautionary tale. I know someone who went to my college. He took a semester off and then came back thinking all was well, until he got a bill. Taking a semester off canceled his financial aid. No one warned him. He suddenly owed $20,000. He started working three jobs to pay for school and was missing classes to earn money to pay for them. He finally decided that made no sense and left school. The school refused to give him his transcript with his credits for the years he completed until he paid his debt, so he couldn’t transfer to a cheaper public school. He didn’t want to start over and lose all he had worked for and have to pay for it all again. He never got his college degree and is deep in school debt with nothing to show for it. You have to know your stuff. Understand what you are getting into if you take a loan.

Lesson 53

1. Play Payback.
2. What did you learn? Did you have any regrets from the decisions you made?

Lesson 54

1. Watch the video about going to college or going to work.
2. Read about 15 alternatives to college.
3. (optional) Want suggested careers? Check your skills. When it asks you to make an account, just hit back and continue.
4. If you don’t have a goal/plan for college or work, you might consider a gap year.
5. Learn how to plan a gap year.
   • Make a Venn Diagram for yourself like on page 4.
   • What’s in the center?

Lesson 55

1. Complete Section 8-1.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Complete Section 8-2.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 56

1. Complete Section 8-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 8-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 57

1. Complete Section 8-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 8-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 8.
7. Appendix tables

Lesson 58

1. Complete the review.
2. Check your answers.
3. Record your score out of 12.
4. Appendix tables

Lesson 59

1. Practice Consumer Math Vocabulary.
2. You can use the flashcards or games.

Lesson 60

1. Watch the trailer for the game Money Magic.
2. Play the game.
3. Answer the questions after you have played.
4. If it has been less than 20 minutes, play again with what you have learned.

Lesson 61

1. What is a budget?
2. Watch the video on gross versus net pay.
3. Watch the video on needs versus wants.
4. Make a list of your needs and wants.
5. Go through this worksheet and answer the questions.
6. No answers for this lesson.

Lesson 62

1. Learn about cutting costs.
2. Make a list giving an example of a fixed cost, recurring cost, non-recurring cost, and whammy/emergency cost.
3. Learn about popular budgeting strategies.
   • Which will you/would you try? Why?
4. Watch the video on $0 based budgeting.
5. Money talk about the envelope method.
6. What expenses do you have that can be cut out? Is there another “envelope” that would be better for you to “stuff” with that money?

Lesson 63

1. Now, we’re going to learn about some specific budgeting considerations.
2. Learn about signing a lease for an apartment.
3. Should you buy a house?
4. How to estimate utility costs.
5. How cars keep you poor
6. Do some research on car costs.

Lesson 64

1. Take a look at the estimated costs of feeding your household.
   • Try again with you and a spouse and a three- and five-year-old. Add ten to fifteen years to your age. Assume zero nights away. What’s your grocery budget?
2. Now, change the income slider and pause and let it adjust. Find out what income budgets that amount for food (that grocery budget you just figured out). What income would you need? (Now, our family doesn’t spend nearly as much as this on some categories. This is just an example.)
3. Watch the video on how to save money at the grocery store.
4. Watch the video on unit pricing. A note on unit pricing: Amazon has a feature like this, but it’s not very good, nor always accurate. Some are listed per whole item and some are listed per piece in the item, and such. They aren’t comparing the same things, which makes it pretty useless at times.
   • Tell someone grocery store saving tips.
5. Think about eating out. For “luxury” things like eating out, I think it can be a good idea to create a limited budget rather than cut it out because sometimes you are going to want to do it. You can limit yourself to $15 or something and go cheap and feel good about keeping your budget, rather than just blow it and since you’re blowing it anyway, just go big and not worry about it.
6. Make a meal plan for the week. Set an expected budget and use online shopping tools or local circulars for grocery stores to get prices.
7. You can finish that in Lesson 65.

Lesson 65

1. Finish your meal plan.
2. Complete the inflation worksheet. Use the links on the page.
3. Check your answers.

Lesson 66

1. Watch the video on the gig economy.
2. In 2022, 59% of Gen Z participated in the gig economy.
3. Learn about freelancers.
4. Explain what the difference is between a contractor, freelancer, and employee.
5. Learn about budgeting as a freelancer.
6. Try answering these questions.
   • Iris is working as a freelancer and has been tracking her monthly income for the last four months.  She found that she made $2,700, $4,600, $3,550, and $1,700.  When making her budget, what income value should she use?
   • It’s the last day of the month! Lucia tells you that she has an average monthly income of $4,000 but made $6,500 this month.  Make a suggestion about what she should do with the additional $2,500 she made this month.
   • Another month has passed! Lucia calls you and tells you that she only made $3,600 this month, $400 short of her $4,000 average monthly income.  What steps can Lucia take to make up for the shortfall this month?
   • Answers: ($3,137.50, save and pay down debt, use savings and reduce spending)
   • (questions source) NOTE: Do NOT click on “source” links. Those tell us where we originally got the lesson material from. You do NOT need it for your lesson.
7. Play the Uber game.

Lesson 67

1. Complete Section 9-1.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 6.
4. Complete Section 9-2.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 6.
7. Appendix tables

Lesson 68

1. Complete Section 9-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 9-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 5.
7. Appendix tables

Lesson 69

1. Complete Section 9-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 6.
4. Complete Section 9-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 70

1. Complete Section 9-7.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete the review.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 71

1. Go online car shopping. What amount would be a reasonable goal to earn to be able to buy a car debt free?
2. Look for price, age, mileage, etc. You want a car that works.
3. You can research reliable cars for a certain year. Then look at that type of car and see what’s the best you can find price/mileage.
4. Don’t fill out any forms. People will contact you and try to sell you things. Just look! You can try sites like Carvana.

Lesson 72

1. Complete Section 10-1.
   • Check your answers.
   • Fix any mistakes. Make sure you understand.
   • Record your score out of 8.
2. Complete Section 10-2. Use this chart to figure out the payment on a $1000 loan.
   • Check your answers.
   • Fix any mistakes. Make sure you understand.
   • Record your score out of 6.
3. Appendix tables

Lesson 73

1. Complete Section 10-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 5.
4. Complete Section 10-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 74

1. Complete Section 10-5.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 10-6.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 6.
7. Appendix tables

Lesson 75

1. Complete Section 10-7.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 7.
4. Complete Section 10-8.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 5.
7. Appendix tables

Lesson 76

1. Complete the review questions.
2. Check your answers.
3. Record your score out of 8.
4. Appendix tables

Lesson 77

1. Go house shopping.
2. Where would you need to live to get the best price? Consider real estate taxes. They can vary greatly by just crossing a street!
3. Sometimes cheap houses are in areas where other things are expensive. Local grocery stores are hugely expensive in some very poor neighborhoods because they are the only one there and can charge what they like since there isn’t competition.
4. Consider age of the home and repairs that would be needed. Are there any good options?
5. Do you want to set a savings goal for a debt-free house?

Lesson 78

1. Complete Section 11-1.
   • Check your answers.
   • Fix any mistakes. Make sure you understand.
   • Record your score out of 6.
2. Complete Section 11-2.
   • Check your answers.
   • Fix any mistakes. Make sure you understand.
   • Record your score out of 5.
3. Appendix tables

Lesson 79

1. Complete Section 11-3.
2. Check your answers. Fix any mistakes. Make sure you understand.
3. Record your score out of 8.
4. Complete Section 11-4.
5. Check your answers. Fix any mistakes. Make sure you understand.
6. Record your score out of 7.
7. Appendix tables

Lesson 80

1. Complete the review.
2. Appendix tables
3. Check your answers. Fix any mistakes. Make sure you understand.
4. Record your score out of 8.

Lesson 81

1. Research insurance and medical bill sharing plans, such as Medishare.
2. What are the advantages and disadvantages?

Lesson 82

1. Learn about how social media makes you buy things.
2. Learn about being influenced.
3. Should you skip social media? Should you make a rule for yourself to never buy something advertised on it? Should you follow influencers? Do you want to be influenced?
4. Think about it and talk it over with someone. What do you think influences your decisions on what to buy? What do you think influences your decisions on what types of clothing you like, colors you like, etc.? What have you learned about yourself as a consumer? Are there any habits you think you should change?

Lesson 83

1. Look at the shopping online infographic.
2. Are there things on there you didn’t consider before?
3. Searching “scam” is helpful. Some other tips are to read reviews on Amazon and not just look for a lot of stars. People pay people to give them five stars, or promise to pay them if they leave a review with five stars. People will point that out in reviews. Check the 1 star reviews and look for complaints about bad practices like that. On Facebook, it’s a common scam to steal a legitimate ad and then send people to your knockoff product. People see the ad and might comment that they have the thing and love it. They are talking about the real product. Look for the brand name and the name on the site. And carefully compare the site to the ad. There is a generic ad that is adapted to many things about how the person used to work for some famous company but got kicked out for pointing out how they were lowering quality. I have seen that same story ad for several products! It’s a scam. There are many scam ads on Facebook. That is the only social media site I use, but I’m sure there are many scams everywhere else as well. Amazon has many scam items, copying legit quality items, and just copying the images from the real product.
4. Cheap isn’t always the way to go. What should you consider when you shop?
5. Watch the videos. What did you learn?

Lesson 84

1. Who do you think falls for scams more often, people in their 20s or 70s? Check the answer.
2. What is a scam?
3. What are the two red flags that should make you walk away from a conversation?
4. Learn more about scam techniques. Of course, some people have thought EP was a scam because they thought it was too good to be true!
5. Spot the scam.
6. What to do if you were scammed
7. My kids and their businesses have been scammed. My daughter fell for a scam but the bank returned her money. My son repeatedly got fake letters in the mail asking for a check to pay for official-sounding things for his business to be legal.

Lesson 85

1. What is cryptocurrency?
2. How currencies derive their value
3. More about cryptocurrencies
4. Learn about block chains.
5. Learn about the pros and cons of Bitcoin.
6. Learn about mining.
7. Learn about the impact of mining.
8. How is Bitcoin valued?

Lesson 86

1. This lesson is on entrepreneurship, running your own business.
2. What to do once you have a business idea
3. How to write a business plan
4. Analyze this business plan. Does it leave you with any questions? Do you think it is effective?
5. How to make a prototype
6. How to fund your business (I’m not a fan of debt. EP just grew little by little. I started out with a free website. I didn’t buy a domain name until I had donations. I invested money from the business/ministry back into it, but I didn’t take on any debt to do anything. There was a show called Undercover Billionaire. He set out to create a million dollar business in 3 months. He didn’t quite do it, but he came really close. He started with $100. He cleaned to earn money. He bought dollar store stuff and then sold it for $5+ on the street. He took that money and bought a car and cleaned it and resold it for more. He bought a run down house and flipped it. He ended up starting a restaurant and BBQ sauce company. It was valued at $750,000 at the end of the three months. You can build with what you have without debt.)
7. How to prepare an elevator pitch
8. What is successful about this pitch?

Lesson 87

1. Think about what you value. How will what you value determine your spending?
   • Make a list of how you would rank what was most important to you.
   • What does your budget, or how you spend your actual money, compare? Do they line up or does your actual spending show something different?
2. Think about the paradox of value.
3. Take the value money management quiz. Scroll down the quiz and score it. It shows where your values lie.
4. Watch the video about how people are dumb with money.
5. Watch the video on why we make illogical decisions.

Lesson 88

1. Do parts 1 and 3 about altruism.

Lesson 89

1. Look at giving in America.
2. Deciding on a charity
3. The future of philanthropy
4. Learn about how giving can harm – Americans (and American churches) are pretty infamous for giving what hurts. We know a story of someone who sold eggs in Africa. Then some American church decided to send eggs to that village. He was out of a job. That’s happened to people selling clothes. Free clothes are donated and then they are out of a job.
5. Learn about youth philanthropy.
6. And, again, be aware of scams.

Lesson 90

1. Define ethics.
2. Workplace ethics
   • example
   • Why is it important for the company?
3. What traits will help you make ethical decisions?
4. You can seek to learn about grocery labels to shop products that are good for people, but beware that labels are misused and don’t always mean the company really cares.
5. Read the article: Going green may be more about making money than caring.
6. Here’s an example of a company I would encourage you to buy from. The head of it came to our church to speak, and the cashews are the best! Go to the Who We Are page. What makes them a company you could feel good about supporting? You might be interested in The Sunshine Story as well, at the bottom of the page.
7. EP uses Amazon to sell their books. Some view Amazon as a big, bad company, but they enable us to sell books cheaper than anywhere else, which is an important value to EP since one of our goals is making homeschooling accessible. Cost is a big factor. I also have a refugee friend who works for Amazon. For him, it’s been the best experience! It’s the first time in his life he’s been treated with such respect. The low pay is high to him. It’s been a huge blessing in his life.
8. It’s time to figure out your final grade. Use your grading sheet. After you figure out your quarter grade, add together all of your quarter totals and divide by the course total.
9. Take the poll.