Consumer Math

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Credits: 1

Prerequisite: Pre-algebra

Recommended: 9th – 12th

Course Description: This high school course prepares students as consumers, and also takes a look at some other math applications in our everyday lives. This complete online course was created using three base courses from which the lessons and assignments are drawn. The first is Math and You. This looks at practical applications of mathematics, one of which is consumer math. We then work through a consumer math course. There are about a dozen mini lessons mixed into the second half of 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 (*) (this means there is something optional to print in this lesson)

  1. If you didn’t get here through My EP, please create a free account and track your course progress there.
  2. This is a consumer math course. I used two different consumer math courses/textbooks when I created the lessons in this course. We’ll go through one and then the other. You could do either half as a half-credit course.  The first half is part consumer math and part applied mathematics, which means using math in your everyday life, such as in saving and spending, but also in other things. The second half is strictly consumer math.
  3. (*) Print out your grading sheet for the first quarter, or save the Excel spreadsheet to your computer.
  4. Read the page on order of operations and do the checkpoint question.
  5. If you want (not required), here’s an order of operations game.
  6. Read the rest of section 1.1.  Complete the checkpoint questions.
  7. Check your answers.

Lesson 2

  1. Do the odd-numbered exercises for section 1.1 on calculations.
  2. Check your answers.
  3. Go back and understand (and fix) whatever you got wrong.
  4. The goal is to have 100% before you finish.
  5. Record 5 points if you worked out all the correct answers. (These are just points for completing the assignment and correcting your work.)

Lesson 3

  1. Read the page on rounding and do the checkpoint. Do the rest of the pages in this section and complete all the checkpoint questions.
  2. Check your answers.
  3. Not required: play Sir Round A Lot.

Lesson 4

  1. Complete the odd-numbered exercises for section 1.2 on rounding and calculators.
  2. Check your answers.
  3. Go back and understand (and fix) whatever you got wrong.
  4. You aren’t done with your lesson until you have 100%.
  5. Record 5 points if you worked out all the correct answers.

Lesson 5

  1. Read the page about percents and do the checkpoint.
  2. Check your answer.
  3. Continue through the textbook, doing the checkpoints, and checking your answers.
  4. Check your answers.

Lesson 6

  1. Complete the odd-numbered exercises on using percent for section 1.3.  Skip #7.
  2. Check your answers.
  3. Go back and understand (and fix) whatever you got wrong.
  4. You aren’t done with your lesson until you have 100%.
  5. Record 5 points if you worked out all the correct answers.

Lesson 7

  1. Read about units and conversions. Do the checkpoint.
  2. Continue through the textbook, doing the checkpoints, and checking your answers.
  3. Stop at the exercises.

Lesson 8

  1. Complete the odd-numbered exercises on using percent for section 1.4.
  2. Check your answers.
  3. Go back and understand (and fix) whatever you got wrong.
  4. You aren’t done with your lesson until you have 100%.
  5. Record 5 points if you worked out all the correct answers.

Lesson 9

  1. Do number 25 and 31 in extending concepts. (2 questions)
  2. Do the extending concepts odd numbers for lesson 1.4. (2 questions)
  3. Do the quiz for lesson 1 and 2. Only do the odd questions. (3 questions, 7 parts)
  4. Do the quiz for lesson 3 and 4. Only do the odd questions. (4 questions)
  5. Check your answers.
  6. Record your score out of 30. That’s 2 points for each answer. You can award partial credit.

Lesson 10

  1. Do the review exercises for lesson 1.1 – 1.4. Only do the odd numbers.
  2. Check your answers.
  3. Record you score out of 26. Take away two points for any incorrect answer. You can award partial credit.

Lesson 11

  1. Read about unit prices.  Do the checkpoint. Continue with the other pages and do the checkpoints.
  2. Check your answers.
  3. If these six-page lesson days take you more than one hour, you can split them up over two days. Just keep going through the course until you are personally on your 100th day. Then jump ahead in this course to Lesson 101 and continue from there; don’t worry about what you missed. It switches to a different base course at Lesson 101. (If you do this, would you please email me and let me know so I can see how people are using the course? allinonehomeschool@gmail.com)

Lesson 12

  1. Do the odd-numbered exercises for 2.1, unit prices. Continue.
  2. Check your answers.
  3. Go back and understand (and fix) whatever you got wrong.
  4. You aren’t done with your lesson until you have 100%.

Lesson 13

  1. Read about markup and discount.  Do the checkpoint.
  2. Check your answers.

Lesson 14

  1. Do the odd-numbered exercises for 2.2, markup and discount.
  2. Check your answers.
  3. Go back and understand (and fix) whatever you got wrong.
  4. You aren’t done with your lesson until you have 100%.

Lesson 15

  1. Complete lesson section 2.3 on Consumption Taxes. Do the checkpoint.
  2. Continue with the lesson.
    • page 75
      • It’s asking for a guess, an estimate. You will have to make an assumption for the price of the appliances. The answer will assume $1000 as an average cost of an appliance.
      • You can search the current population or use the figure 310 million for the number of people in the US.
    • page 76  On this page, it asks you to figure out about the gas tax, but it doesn’t tell you the excise tax rate. You can search it. These questions are often designed to make you think. Their answer will be different than yours, but you will be able to see if you figured it out in the right way.
    • page 77
    • page 78
    • page 79
  3. Check your answers

Lesson 16

  1. Complete the section 2.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 17

  1. Go through lesson 2.4 on Budgeting. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 18

  1. Do the odd-numbered exercises for section 2.4.
  2. Continue.
  3. Check your answers.

Lesson 19

  1. Do the three odd-numbered extending concepts questions.
  2. Do the three odd-numbered extending concepts questions.
  3. Complete the quiz for sections 2.1 and 2.2. (5 questions)
  4. Do the odd numbers on the quiz for sections 2.3 and 2.4. (6 questions)
  5. Check your answers.
  6. Record your score out of 34. There are 2 points for each question. You can award partial credit.

Lesson 20

  1. Complete the odd-numbered review exercises.
  2. Continue.
  3. Check your answers.
  4. Record your score out of 28 (2 points per question).

Lesson 21

  1. Go through lesson 3.1 on Sets and Set Diagrams. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 22

  1. Complete the section 3.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 23

  1. Go through lesson 3.2 on Statements and Negations. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 24

  1. Complete the section 3.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 25

  1. Go through lesson 3.3 on Deductive and Inductive Reasoning. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 26

  1. Complete the section 3.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 27

  1. Go through lesson 3.4 on Fallacies in Logic. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 28

  1. Complete the section 3.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 29

  1. Complete the odd-numbered questions on the quiz. (4 questions)
  2. Do the project. You can do this on paper instead of online.
  3. Take the quiz on sections 3.3 and 3.4. (6 questions)
  4. Do the extending concepts odd-numbered questions for 3.1 and for 3.2. (6 questions)
  5. Check your answers.
  6. Record your score out of 22 (up to 2 points for each diagram on the project page).

Lesson 30

  1. Do the odd-numbered questions in the review exercises for 3.1.
  2. Continue for…
  3. Do the extending concepts odd-numbered questions for 3.3 and for 3.4. (7 questions)
  4. Check your answers.
  5. Record your score out of 23.

Lesson 31

  1. Go through lesson 4.1 on Exponential Growth. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 32

  1. Complete the section 4.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 33

  1. Go through lesson 4.2 on Inflation and Consumer Price Index. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 34

  1. Complete the section 4.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 35

  1. Go through lesson 4.3 on Exponential Decay. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 36

  1. Complete the section 4.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 37

  1. Go through lesson 4.4 on Depreciation. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 38

  1. Complete the section 4.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 39

  1. Complete the odd-numbered questions on the quiz. (3 questions)
  2. Take the quiz on sections 4.3 and 4.4. (5 questions)
  3. Do the extending concepts odd-numbered questions for 4.1 and for 4.2. (5 questions + the table – 26 questions@half point each, 13 points)
  4. Check your answers.
  5. Record your score out of 26.

Lesson 40

  1. Do the odd-numbered questions in the review exercises for 4.1.
  2. Continue for…
  3. Do the extending concepts odd-numbered questions for 4.3 and for 4.4. (6 questions)
  4. Check your answers.
  5. Record your score out of 20.

Lesson 41

  1. Go through lesson 5.1 on Flat Tax. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 42

  1. Complete the section 5.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 43

  1. Go through lesson 5.2 on Graduated Income Tax. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 44

  1. Complete the section 5.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 45

  1. Go through lesson 5.3 on Property Tax. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

STOP

This is the end of the first quarter. At this point you can total up your scores from the first quarter. Divide the total you earned by the total possible and then multiply by 100 for your grade. (You can ignore decimals. The Excel spreadsheet is set up to tally all of this for you.) This is your first quarter grade.

Lesson 46 (*)

  1. (*) Print out your grading sheet for the second quarter, or save the Excel spreadsheet to your computer.
  2. Complete the section 5.3 exercises.
  3. Continue.
  4. Check your answers.

Lesson 47

  1. Go through lesson 5.4 on Social Security and Payroll Taxes. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 48

  1. Complete the section 5.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 49

  1. Complete questions one and three on the quiz. (2 questions)
  2. Take the quiz on sections 5.3 and 5.4. (4 questions – odds only)
  3. Do the extending concepts odd-numbered questions for 5.1 and for 5.2. (6 questions)
  4. Check your answers.
  5. Record your score out of 12.

Lesson 50

  1. Do the first three odd-numbered questions in the review exercises for 5.1.
  2. Continue the odd-numbered questions for…
  3. Do the extending concepts odd-numbered questions for 5.3 and for 5.4. (7 questions)
  4. Check your answers.
  5. Record your score out of 21.

Lesson 51

  1. Go through lesson 6.1 on Introduction to Lending. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 52

  1. Complete the section 6.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 53

  1. Go through lesson 6.2 on Buying Now, Paying Later. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 54

  1. Complete the section 6.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 55

  1. Go through lesson 6.3 on Home Mortgages. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 56

  1. Complete the section 6.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 57

  1. Go through lesson 6.4 on Savings & Retirement Plans. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 58

  1. Complete the section 6.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 59

  1. Complete questions one and three on the quiz. (2 questions)
  2. Take the quiz on sections 6.3 and 6.4. (5 questions – count each part)
  3. Do the extending concepts odd-numbered questions for 6.1 and for 6.2. (6 questions)
  4. Check your answers.
  5. Record your score out of 13.

Lesson 60

  1. Do the odd-numbered questions in the review exercises for 6.1. (4 questions)
  2. Continue for…
    • 6.2 (3 questions)
    • 6.3 (4 questions)
    • 6.4 (9 questions)
  3. Do the extending concepts odd-numbered questions for 6.3 and for 6.4. (5 and 8 questions)
  4. Check your answers.
  5. Record your score out of 33.

Lesson 61

  1. Go through lesson 7.1 on Linear Patterns. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 62

  1. Complete the section 7.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 63

  1. Go through lesson 7.2 on Exponential Patterns. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 64

  1. Complete the section 7.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 65

  1. Go through lesson 7.3 on Quadratic Patterns. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 66

  1. Complete the section 7.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 67

  1. Go through lesson 7.4 on Fibonacci & Other Patterns. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 68

  1. Complete the section 7.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 69

  1. Complete the odd questions on the quiz. (4 questions)
  2. Take the quiz on sections 7.3 and 7.4. (3 questions)
  3. Do the extending concepts odd-numbered questions for 7.1 and for 7.2. (10 questions – count each part)
  4. Check your answers.
  5. Record your score out of 17.

Lesson 70

  1. Do the odd-numbered questions in the review exercises for 7.1. (4 questions)
  2. Continue for…
    • 7.2 (4 questions)
    • 7.3 (3 questions)
    • 7.4 (3 questions)
  3. Do the extending concepts odd-numbered questions for 7.3 and for 7.4. (4 and 3 questions)
  4. Check your answers.
  5. Record your score out of 21.

Lesson 71

  1. Go through lesson 8.1 on Assigning a Measure to Likelihood. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 72

  1. Complete the section 8.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 73

  1. Go through lesson 8.2 on Estimating Likelihood. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 74

  1. Complete the section 8.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 75

  1. Go through lesson 8.3 on Expected Value. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 76

  1. Complete the section 8.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 77

  1. Go through lesson 8.4 on Expecting the Unexpected. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 78

  1. Complete the section 8.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 79

  1. Complete the odd questions on the quiz. (4 questions)
  2. Take the quiz on sections 8.3 and 8.4. (4 questions)
  3. Do the extending concepts odd-numbered questions for 8.1 and for 8.2 (skip number 25) (4 questions and 2 questions)
  4. Check your answers.
  5. Record your score out of 14.

Lesson 80

  1. Do the odd-numbered questions in the review exercises for 8.1. (3 questions)
  2. Continue for…
    • 8.2 (3 questions)
    • 8.3 (3 questions)
    • 8.4 (4 questions)
  3. Do the extending concepts odd-numbered questions for 8.3 and for 8.4. (3 and 2 questions)
  4. Check your answers.
  5. Record your score out of 18.

Lesson 81

  1. Go through lesson 9.1 on Information Design. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 82

  1. Complete the section 9.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 83

  1. Go through lesson 9.2 on Describing “Average”. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 84

  1. Complete the section 9.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 85

  1. Go through lesson 9.3 on Describing Dispersion. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 86

  1. Complete the section 9.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 87

  1. Go through lesson 9.4 on Describing by Sampling. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 88

  1. Complete the section 9.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 89

  1. Complete the odd questions on the quiz. (4 questions)
  2. Take the quiz on sections 9.3 and 9.4. (4 questions)
  3. Do the extending concepts odd-numbered questions for 9.1 and for 9.2. (6 questions)
  4. Check your answers.
  5. Record your score out of 14.

Lesson 90

  1. Do the odd-numbered questions in the review exercises for 9.1. (4 questions)
  2. Continue for…
    • 9.2 (3 questions)
    • 9.3 (3 questions)
    • 9.4 (3 questions)
  3. Do the extending concepts odd-numbered questions for 9.3 and for 9.4. (2 and 4 questions)
  4. Check your answers.
  5. Record your score out of 19.

STOP

This is the end of the second quarter. At this point you can total up your scores from the second quarter. Divide the total you earned by the total possible and then multiply by 100 for your grade. (You can ignore decimals. The Excel spreadsheet is set up to tally all of this for you.) This is your second quarter grade.

Lesson 91 (*)

  1. (*) Print out your grading sheet for the third quarter, or save the Excel spreadsheet to your computer.
  2. Go through lesson 10.1 on Health & Fitness. Do the checkpoint.
  3. Continue with the lesson.
  4. Check your answers.

Lesson 92

  1. Complete the section 10.1 exercises.
  2. Continue.
  3. Check your answers.

Lesson 93

  1. Go through lesson 10.2 on The Olympics. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 94

  1. Complete the section 10.2 exercises.
  2. Continue.
  3. Check your answers.

Lesson 95

  1. Go through lesson 10.3 on Professional Sports. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 96

  1. Complete the section 10.3 exercises.
  2. Continue.
  3. Check your answers.

Lesson 97

  1. Go through lesson 10.4 on Outdoor Sports. Do the checkpoint.
  2. Continue with the lesson.
  3. Check your answers.

Lesson 98

  1. Complete the section 10.4 exercises.
  2. Continue.
  3. Check your answers.

Lesson 99

  1. Complete the odd questions on the quiz. (4 questions)
  2. Take the quiz on sections 10.3 and 10.4. (4 questions)
  3. Do the extending concepts odd-numbered questions for 10.1 and for 10.2. (7 questions)
  4. Check your answers.
  5. Record your score out of 15.

Lesson 100

  1. Do the odd-numbered questions in the review exercises for 10.1. (3 questions)
  2. Continue for…
  3. Do the extending concepts odd-numbered questions for 10.3 and for 10.4. (3 and 3 questions)
  4. Check your answers.
  5. Record your score out of 20.
  6. This is the end of this book. You are going to start a new resource. Would you answer these poll questions to let me know about the course?

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Lesson 101

  1. Complete Section 1-1. Complete the odd-numbered questions.
    • Self-check answers on page 108.
    • Check your answers. Scroll to find the Chapter and section. This section is found on 804. Fix any mistakes. Make sure you understand.
  2. Complete Section 1-2. Complete the odd-numbered questions.
    • Self-check answers on page 108.
    • Check your answers. Fix any mistakes. Make sure you understand.
  3. (If you did not complete through lesson 100 before jumping to this lesson, would you please email me and let me know so I can see how people are using the course? allinonehomeschool@gmail.com)

Lesson 102

  1. Complete Section 1-3. Complete the odd-numbered questions.
  2. Self-check answers on page 108.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 1-4. Complete the odd-numbered questions.
  5. Self-check answers on page 108.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 103

  1. Complete Section 1-5. Complete the odd-numbered questions.
  2. Self-check answers on page 108.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 1-6. Complete the odd-numbered questions.
  5. Self-check answers on page 108.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 104

  1. Complete Section 1-7. Complete the odd-numbered questions.
  2. Self-check answers on page 108.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete the first two pages of the study guide and assessment.
  5. This is the vocabulary section and sections 1-1 and 1-2.

Lesson 105

  1. Complete the next two pages of the study guide and assessment.
  2. This is sections 1-3 through 1-6.
  3. Complete the last page of the study guide and assessment.
  4. Check your answers with what answers are available.
  5. Record your score out of 57. Take one point off for any wrong answer.

Lesson 106

  1. Complete Section 2-1. Complete the odd-numbered questions.  The tax table you need will be found in this section.
  2. Self-check answers on page 132.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 2-2. Complete the odd-numbered questions.
  5. Self-check answers on page 132.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 107

  1. Complete Section 2-3. Complete the odd-numbered questions.
  2. Self-check answers on page 132.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 2-4. Complete the odd-numbered questions.
  5. Self-check answers on page 132.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 108

  1. Complete Section 2-5. Complete the odd-numbered questions.
  2. Self-check answers on page 132.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 2-6. Complete the odd-numbered questions.
  5. Self-check answers on page 132.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 109

  1. Complete the first part of study guide and assessment. Complete the odd-numbered questions.
  2. This is the vocabulary section and sections 1-1 and 1-2.
  3. Complete the next part of study guide and assessment. Complete the odd-numbered questions.
  4. This is sections 1-3 through 1-6.
  5. Check your answers.
  6. Record your score out of 38.

Lesson 110

  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 111

  1. Complete the assignments and answer the questions.
  2. Answers

Lesson 112

  1. Complete the assignment on teens and taxes. If you are unsure what to do, look at the previous lesson for directions.
  2. Watch the videos, answer questions, complete the assignments.
  3. Links
  4. Answers

Lesson 113

  1. Complete the lessons on completing your taxes.
  2. Below are the links for the lesson.
  3. Answers

Lesson 114

  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 115

  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 116

  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 117

  1. Complete Section 3-1. Complete the odd-numbered questions.
  2. Self-check answers on page 156.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 3-2. Complete the odd-numbered questions.
  5. Self-check answers on page 156.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 118

  1. Complete Section 3-3. Complete the odd-numbered questions.
  2. Self-check answers on page 156.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete the first part of the study guide and assessment. Complete the odd-numbered questions.
  5. This is the vocabulary section and sections 3-1 and 3-2.
  6. You are NOT preparing your own budget. Just go through the exercise with the given budget example.

Lesson 119

  1. Complete the next part of the study guide and assessment. Complete the odd-numbered questions.
  2. This is section 3-3.
  3. Check your answers. Record your score out of 29. Take one point off for any wrong answer.
  4. Complete the alternative assessment.
  5. Create a budget sheet. Do you have any income and expenses? Use those. If not, ask your parents to help you with some numbers (general or specific).
  6. It talks about doing this over the next couple of months, but I want you to finish your budget today and label what’s fixed, what’s flexible, and show where you could (or should) save money.
  7. Make a financial goal.

Lesson 120

  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.
  3. Answers

Lesson 121

  1. Do the lesson on savings accounts.
  2. Below are the links for the lesson.
  3. Answers

Lesson 122

  1. Do the lesson on banking fees.
  2. Below are the links for the lesson.
  3. Answers

Lesson 123

  1. Complete the lesson on being unbanked.
  2. Below are the links for the lesson.
  3. Answers

Lesson 124 

  1. Complete the lesson on savings strategies.
  2. Below are the links for the lesson.
  3. Answers

Lesson 125

  1. Complete Section 4-1. Complete the odd-numbered questions.
  2. Self-check answers on page 188.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 4-2. Complete the odd-numbered questions.
  5. Self-check answers on page 188.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 126

  1. Complete Section 4-3. Complete the odd-numbered questions.
  2. Self-check answers on page 188.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 4-4. Complete the odd-numbered questions.
  5. Self-check answers on page 188.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 127

  1. Complete Section 4-5. Complete the odd-numbered questions.
  2. Self-check answers on page 188.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 4-6. Complete the odd-numbered questions.
  5. Self-check answers on page 188.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 128

  1. Complete the first part of study guide and assessment.
  2. This is the vocabulary section and sections 4-1 and 4-2.
  3. Complete the next part of study guide and assessment.
  4. This is sections 4-3 through 4-6.
  5. Check your answers with what answers are available.
  6. Record your score out of 34. Take one point off for any wrong answer.

Lesson 129

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

Lesson 130

  1. Complete Section 5-1. Complete the odd-numbered questions.
  2. Self-check answers on page 220.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 5-2. Complete the odd-numbered questions.
  5. Self-check answers on page 220.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 131

  1. Complete Section 5-3. Complete the odd-numbered questions.
  2. Self-check answers on page 220.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 5-4. Complete the odd-numbered questions.
  5. Self-check answers on page 220.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 132

  1. Complete Section 5-5. Complete the odd-numbered questions.
  2. Self-check answers on page 220.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 5-6. Complete the odd-numbered questions.
  5. Self-check answers on page 220.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 133

  1. Complete Section 5-7. Complete the odd-numbered questions.
  2. Self-check answers on page 220.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 5-8. Complete the odd-numbered questions.
  5. Self-check answers on page 220.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 134

  1. Complete the first part of the study guide and assessment.
  2. This is the vocabulary section and sections 5-1 and 5-2.
  3. Complete the next part of the study guide and assessment.
  4. This is sections 5-3 through 5-5.

Lesson 135

  1. Complete the next part of the study guide and assessment. You will do the odd-numbered problems.
  2. This is sections 5-6 through 5-7.
  3. Check your answers with whatever answers are available.
  4. Record your score out of 50 (two points each). You may award partial credit if you did the problem correctly but just made a little error.

STOP

This is the end of the third quarter. At this point you can total up your scores from the third quarter. Divide the total you earned by the total possible and then multiply by 100 for your grade. (You can ignore decimals. The Excel spreadsheet is set up to tally all of this for you.) This is your third quarter grade.

Lesson 136 (*)

  1. (*) Print out your grading sheet for the fourth quarter, or save the Excel spreadsheet to your computer.
  2. Make a list of ways your income can grow and ways expenses can grow.
  3. 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.
  4. 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 137

  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.
  5. Answers

Lesson 138

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

Lesson 139

  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 140

  1. Complete this lesson on predatory lending.
  2. No answers today. What did you learn?

Lesson 141

  1. Complete Section 6-1. Complete the odd-numbered questions.
  2. Self-check answers on page 248.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 6-2. Complete the odd-numbered questions.
  5. Self-check answers on page 248.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 142

  1. Complete Section 6-3. Complete the odd-numbered questions.
  2. Self-check answers on page 248.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 6-4. Complete the odd-numbered questions.
  5. Self-check answers on page 248.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 143

  1. Complete Section 6-5. Complete the odd-numbered questions.
  2. Self-check answers on page 248.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 6-6. Complete the odd-numbered questions.
  5. Self-check answers on page 248.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 144

  1. Complete Section 6-7. Complete the odd-numbered questions.
  2. Self-check answers on page 248.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete the first two pages of the study guide and assessment.
  5. This is the vocabulary section and sections 6-1 and 6-2.

Lesson 145

  1. Complete the next two pages of the study guide and assessment.
  2. This is sections 6-3 through 6-6.
  3. Complete the last page of the study guide and assessment.
  4. Check your answers with whatever answers are available.
  5. Record your score out of 41. Take one point off for any wrong answer.

Lesson 146

  1. Complete the test. Do the odd-numbered questions.
  2. Check your answers.
  3. Record your score out of 20. Take one point off for any wrong answer.
  4. Complete Section 7-1. Complete the odd-numbered questions.
  5. Self-check answers on page 272.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 147

  1. Complete Section 7-2. Complete the odd-numbered questions.
  2. Self-check answers on page 272.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 7-3. Complete the odd-numbered questions.
  5. Self-check answers on page 272.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 148

  1. Complete the first part of the study guide and assessment.
  2. This is the vocabulary section and sections 7-1 and 7-2.
  3. You are NOT preparing your own budget. Just go through the exercise with the given budget example.
  4. Complete the next part of the study guide and assessment.
  5. This is section 7-3.

Lesson 149

  1. Complete the next part of the study guide and assessment.
  2. This is section 7-4.
  3. Check your answers. Record your score out of 20. Take one point off for any wrong answer.
  4. Find a credit card and a bank account with no annual fee.
  5. What other fees do they have? How easily are they avoided?
  6. 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 150

  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 151

  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 152

  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 153

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

Lesson 154

  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 155

  1. Complete Section 8-1. Complete the odd-numbered questions.
  2. Self-check answers on page 304.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 8-2. Complete the odd-numbered questions.
  5. Self-check answers on page 304.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 156

  1. Complete Section 8-3. Complete the odd-numbered questions.
  2. Self-check answers on page 304.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 8-4. Complete the odd-numbered questions.
  5. Self-check answers on page 304.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 157

  1. Complete Section 8-5. Complete the odd-numbered questions.
  2. Self-check answers on page 304.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 8-6. Complete the odd-numbered questions.
  5. Self-check answers on page 304.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 158

  1. Complete the first part of study guide and assessment.
  2. This is the vocabulary section and sections 8-1 and 8-2.
  3. Complete the next part of study guide and assessment.
  4. This is sections 8-3 through 8-6.
  5. Check your answers with whatever answers are available.
  6. Record your score out of 36. Take one point off for any wrong answer.

Lesson 159

  1. Take the test. Do the odd-numbered questions.
  2. Check your answers.
  3. Record your score out of 14. Take one point off for any wrong answer.

Lesson 160

  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 161

  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 162

  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 163

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

Lesson 164

  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 some time 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 164.

Lesson 165

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

Lesson 166

  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
  7. Play the Uber game.

Lesson 167

  1. Complete Section 9-1. Complete the odd-numbered questions.
  2. Self-check answers on page 336.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 9-2. Complete the odd-numbered questions.
  5. Self-check answers on page 336.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 168

  1. Complete Section 9-3. Complete the odd-numbered questions.
  2. Self-check answers on page 336.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 9-4. Complete the odd-numbered questions.
  5. Self-check answers on page 336.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 169

  1. Complete Section 9-5. Complete the odd-numbered questions.
  2. Self-check answers on page 336.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete Section 9-6. Complete the odd-numbered questions.
  5. Self-check answers on page 336.
  6. Check your answers. Fix any mistakes. Make sure you understand.

Lesson 170

  1. Complete Section 9-7. Complete the odd-numbered questions.
  2. Self-check answers on page 336.
  3. Check your answers. Fix any mistakes. Make sure you understand.
  4. Complete the first part of the study guide and assessment.
  5. This is the vocabulary section and sections 9-1 and 9-2.

Lesson 171

  1. Complete the next part of the study guide and assessment.
  2. This is sections 9-3 through 9-5.
  3. Complete the last part of the study guide and assessment, sections 9-6 and 9-7.
  4. Check your answers with whatever answers are available.
  5. Record your score out of 39. Take one point off for any wrong answer.

Lesson 172

  1. Learn about how social media makes you buy things.
  2. Learn about being influenced.
  3. Should you skip the 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 173

  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, so 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 174

  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 175

  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 176

  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 177

  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.
  4. Watch the video about how people are dumb with money.
  5. Watch the video on why we make illogical decisions.

Lesson 178

  1. Do parts 1 and 4 about altruism.

Lesson 179

  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 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 180

  1. Define ethics.
  2. Workplace ethics
    • How does selling a product that doesn’t meet expectations hurt the company in the long run?
  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 at the end of the page.

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