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  • Federal Reserve Bank of St. Louis
Budgeting 101
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Budgeting is the most basic and most important tool in anyone’s financial toolbox. With this resource, students are given the hands-on opportunity to create budgets for fictional “Regan” during her sophomore year in nursing school, and as a recent graduate with an apartment and a new car. Using either excel or Google docs, the students download our budgeting tool with space for their own budget, as well as the examples they created by establishing Regan’s budget.

NOTE: This resource is set up differently than previous modules. The students have to complete the entire module before you will see progress in the progress bar. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Career and Technical Education
Financial Literacy
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Capital Markets
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Capital markets connect businesses seeking funds with individuals to earn income by investing in stocks and bonds. Capital markets include the stock market and the bond market. In this module, students will learn how capital markets help keep the economy moving and provide opportunities for businesses, entrepreneurs, and investors to achieve their goals. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Business and Communication
Finance
Career and Technical Education
Financial Literacy
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency Curriculum Unit
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Cards, Cars and Currency is a curriculum unit that challenges students to become involved in three specific areas of personal finance: credit cards, debit cards and purchasing a car.

The unit is divided into five lesson plans. The activities in each lesson plan are designed to address problem-solving, critical-thinking and higher levels of learning, using real-world scenarios. With a focus on responsibility for personal financial decisions, students will be able to identify the bottom line of financial decision making: income kept or lost.

All of the lessons are correlated with the national Personal Finance Standards and the National Standards in Economics. (See the Lesson Correlation section for more information.) This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Unit of Study
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 1
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In this lesson, students play a game to test their current level of financial knowledge. Students explain the importance of financial literacy and explain the importance of taking responsibility for personal financial decisions. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 1 (Spanish)
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In this lesson, students play a game to test their current level of financial knowledge. Students explain the importance of financial literacy and explain the importance of taking responsibility for personal financial decisions. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 2
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In this lesson, students learn about credit card usage and credit card consumer protection laws. By the end of the lesson students will be able to analyze the terms of credit cards and recognize what it means to use credit cards responsibly. They will understand the cost of credit and be able to analyze credit card disclosures and credit card statements. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 2 (Spanish)
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In this lesson, students learn about credit card usage and credit card consumer protection laws. By the end of the lesson students will be able to analyze the terms of credit cards and recognize what it means to use credit cards responsibly. They will understand the cost of credit and be able to analyze credit card disclosures and credit card statements. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 3
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In this lesson, students learn the importance of taking responsibility for personal finances, describe advantages and disadvantages of standard overdraft services, analyze the consequences of not being responsible in keeping a current bank account balance, explain the importance of maintaining records of deposits, withdrawals and payments from bank accounts and compare the advantages and disadvantages of different card-payment methods This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 3 (Spanish)
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In this lesson, students learn the importance of taking responsibility for personal finances, describe advantages and disadvantages of standard overdraft services, analyze the consequences of not being responsible in keeping a current bank account balance, explain the importance of maintaining records of deposits, withdrawals and payments from bank accounts and compare the advantages and disadvantages of different card-payment methods This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 4
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In this lesson, students analyze the price of consumer credit; identify the factors that affect the total price for a car including the interest rate, the length of a contract and the size of a down payment. They learn to evaluate the costs and benefits of car purchase options, and analyze a car contract. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 4 (Spanish)
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In this lesson, students analyze the price of consumer credit; identify the factors that affect the total price for a car including the interest rate, the length of a contract and the size of a down payment. They learn to evaluate the costs and benefits of car purchase options, and analyze a car contract. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 5
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In this lesson, students learn the difference between gross and net pay, evaluate their financial literacy skills, explain the importance of financial literacy and explain the importance of taking responsibility for personal financial decisions This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Cards, Cars and Currency: Lesson 5 (Spanish)
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In this lesson, students learn the difference between gross and net pay, evaluate their financial literacy skills, explain the importance of financial literacy and explain the importance of taking responsibility for personal financial decisions This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Comparative Advantage
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In this module, you will meet Jack Of All Trades, a most awesome superhero. In all tasks, Jack can do everything better and faster (he has absolute advantage), but does that mean he must do everything while the rest of the people stand around helplessly? Find out if justice is served when a formerly idle citizen, Andy, wades through the depths of opportunity cost and the benefits of comparative advantage. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Consequences of Unemployment
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What are some of the consequences of unemployment, both socially and otherwise? Students will get the answer to this question in the short module, Consequences of Unemployment. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Credit Cred
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Credit can be a powerful tool in your financial toolbox if you understand how to use it wisely. In this module, you’ll learn about different types of credit and the costs associated with using credit. You’ll learn the importance of building strong credit by borrowing wisely and paying promptly, arranging credit for making major purchases like a car or home, avoiding common credit mistakes, and monitoring your own credit. You’ll also learn about credit reports, your credit score, and steps you can— and should— take to build your own credit cred! This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Business and Communication
Finance
Career and Technical Education
Financial Literacy
Social Studies
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Currency Academy
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The Currency Academy, brought to you by the U.S. Currency Education Program, is created especially for a young audience. Your students will discover how currency is used, observe artistic concepts found in currency, learn about how money works, and compare elements of the natural world to the special features found on currency. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Currency Academy (Spanish)
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The Currency Academy, brought to you by the U.S. Currency Education Program, is created especially for a young audience. Your students will discover how currency is used, observe artistic concepts found in currency, learn about how money works, and compare elements of the natural world to the special features found on currency. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Currency Crusaders of Justice
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As if Andy hasn’t had enough of Jack, now Jack’s tagging along on Andy’s vacation. At times, it’s a little stressful having Jack as a traveling companion, but in the end, Andy is glad to have had Jack’s expertise, if not his company. Jack helps Andy maintain his travel budget by helping him figure out exchange rates between US dollars and pesos, yen, euros and pounds as they travel to Colombia, Japan, and several European countries. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Demand
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In this module, students learn about demand. Prices for most goods and services are determined in markets by what economists call supply and demand. Both sides – demand and supply – are needed to determine prices. This short module will use a fictitious chocolate market to help you better understand the demand side of market.

Prices for most goods and services are determined in markets by what economists call supply and demand. Both sides – demand and supply – are needed to determine prices.

This short module will use a fictitious chocolate market to help you better understand the demand side of market. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Economic Growth
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Our standard of living depends on the pace of economic growth. That pace can be enhanced through increased productivity brought about by investment in physical and human capital and advances in technology. In this module, students will learn about these tools to increase productivity and advance our standard of living. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Education vs. Unemployment
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What can be done to get people back to work? Students get the answer to this and other questions — including why education might be the best way to avoid unemployment in the future — in this short online module. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Ella Saves Today
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Young children are not likely to think past their piggy banks when it comes to safe places to set money aside for those special items. In this short module, your students will learn that a bank account offers security and a return on their savings. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Ella's Adventures Online Modules for Grades 2-4
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It's never too soon to begin teaching basic financial concepts, such as human capital, decision-making, saving, and using credit, to young students. Ella's Adventures allow your students to follow young Ella as she learns important life lessons.

Subject:
21st Century Skills
Personal Management
Financial Literacy
Economics
Material Type:
Unit of Study
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Explore Economics: How Daniel Got What He Wanted
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“How Daniel Got What He Wanted” is the fifth video in the Explore Economics animated series. It will help students understand that people have to save to get the things they want. Daniel wants a new bike helmet and must earn income and save to reach his goal.

Subject:
21st Century Skills
Personal Management
Financial Literacy
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Explore Economics: Productivity
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This video from the Explore Economics series helps kids understand what productivity is and how we can increase productivity. Kids learn that productivity is a measure of output per worker per unit of time. They learn that we can increase productivity through division of labor, investment in human capital, and using new capital resources.

Subject:
21st Century Skills
Personal Management
Financial Literacy
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
The Fed's New Monetary Policy Tools
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The Federal Reserve uses its monetary policy tools to achieve its Congressional mandate—maximum employment and price stability. However, its tools have changed. Prior to 2008 the Fed used open market operations as its primary tool for adjusting the federal funds rate. Today, the Fed uses interest on reserves as its primary tool. Learn all about the Fed’s new tools and the way it uses them to move the economy toward maximum employment and price stability.

Subject:
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Financial Fables from the Fed: Oscar Ostrich Faces the Future
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Meet Oscar Ostrich. In this fable, Oscar Ostrich is taught to think about his future needs and set financial goals to become more confident about his financial future. The story is centered on the moral: "If you set and reach financial goals, your needs will be met in the future."

Subject:
21st Century Skills
Personal Management
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Fiscal Policy: The Basics of Taxation and Government Spending
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Inflation, unemployment, recession, and economic growth affect people in real ways. Through interactive lessons, this module teaches students about fiscal policy, the avenue by which Congress and the president attempt to influence the economy. Three modules that would further students understanding of the content are GDP and Pizza, The Unemployment Short Modules, and The Fed's New Monetary Policy Tools. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Fiscal Policy: Tools for Influencing the Economy
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Inflation, unemployment, recession, and economic growth affect people’s lives. This module teaches students about fiscal policy, the avenue by which Congress and the president can attempt to influence the economy. Other modules that would further students understanding of the content are GDP and Pizza, Government Budgets, The Story of Unemployment, and Monetary Policy. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
GDP and Pizza : Economics for Life
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GDP and Pizza: Economics for Life is designed to help students in civics, economics and other social studies classes grasp challenging economic content - and to explain why these topics are important for citizens to understand.

Section One covers:

the definition Gross Domestic Product (GDP)
the components of GDP
per capita GDP

Section Two covers:

real vs. nominal GDP
levels vs. percentage change
importance of a growing economy
trend growth rate
uses for GDP data
automatic stabilizers

The module includes numerous interactive checks for understanding, video clips of a Fed economist explaining concepts and everyday examples that will make sense to students. In addition, students complete a pre- and post-test to assess learning. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
GDP and Pizza: Measurement and Growth
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GDP: Measurement and Growth is the second short module in the GDP and Pizza: Economics for Life series. This series is designed to help students in civics, economics and other social studies classes grasp challenging economic content - and to explain why these topics are important for citizens to understand.

GDP: Measurement and Growth assumes students already understand the basics of GDP as well as GDP per capita and standard of living. It covers:

real vs. nominal GDP
levels vs. percentage change
importance of a growing economy
trend growth rate

The module includes numerous interactive checks for understanding, video clips of a Fed economist explaining concepts and everyday examples that will make sense to students. In addition, students complete a pre- and post-test to assess learning. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
GDP and Pizza : Policy
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GDP: Policy is the third short module in the GDP and Pizza: Economics for Life series. This series is designed to help students in civics, economics and other social studies classes grasp challenging economic content - and to explain why these topics are important for citizens to understand.

GDP: Policy assumes students already understand the basics of GDP as well as GDP growth and measurement. It covers:

uses for GDP data
automatic stabilizers

The module includes numerous interactive checks for understanding, video clips of a Fed economist explaining concepts and everyday examples that will make sense to students. In addition, students complete a pre- and post-test to assess learning. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
GDP and Pizza : What Is It?
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GDP: What Is It? Is one of three short modules that are part of a series GDP and Pizza: Economics for Life. The series is designed to help students in civics, economics and other social studies classes grasp challenging economic content - and to explain why these topics are important for citizens to understand.

This first short module, GDP: What Is It? covers:

the definition Gross Domestic Product (GDP)
the components of GDP
per capita GDP

The module includes interactive checks for understanding, video clips of a Fed economist explaining concepts and everyday examples that will make sense to students. In addition, students complete a pre- and post-test to assess learning. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Give Ell Credit
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Using some form of credit is a necessity for most adults. Unfortunately, some misuse credit, and the consequences can be devastating. The earlier young people learn about credit, the more likely they are to use it responsibly as adults. In this short module, your students will learn what credit is, why people use credit, and how interest can affect the final cost of a good or service when bought on credit. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Government Budgets
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The federal government’s budget is in the news almost every day. We hear about programs being implemented and others being reduced or eliminated in lawmakers’ attempts to agree on a final budget. Regardless of the decisions being made, peoples’ opinions and wants vary. As you can imagine, a federal lawmaker’s job is not easy.

In this module, your students will play the role of a freshman lawmaker in the U.S. House of Representatives trying to serve his or her constituents’ goals and the long-term goals of the United States. Along the way, they’ll learn about the federal budget process and how federal government initiatives and programs are funded. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Great Depression Curriculum Unit
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History holds many economic lessons. The Great Depression, in particular, is an event that provides the opportunity to teach and learn a great deal about economics-whether you're studying the economic reasons that the Depression took place, the factors that helped it come to an end or the impact on Americans who lived through it. This curriculum is designed to provide teachers with economic lessons that they can share with their students to help them understand this significant experience in U.S. history.

Subject:
Social Studies
Economics
Government
Material Type:
Unit of Study
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Great Inflation
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In this module, superhero Jack of All Trades and his sidekick Andy are confronted by a villain that threatens to disrupt society and rob the world of the certainty people have come to expect. And this dastardly villain is...Inflation. Jack and Andy time travel to the period known as The Great Inflation to discover the truth about inflation. With the help of Dr. Equilibrium, professor of economics, they learn that inflation is the result of too much money chasing too few goods and that the Federal Reserve System plays a key role in maintaining stable prices. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Social Studies
Economics
History
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
In Plain English
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Want to learn about the Federal Reserve? Have no fear! In Plain English describes the structure and functions of the Federal Reserve System in an easy-to-understand interactive format.

Topics include:

Why Do We Need a Federal Reserve?
Board of Governors
Federal Reserve Banks
Federal Open Market Committee (FOMC)
What Does the Federal Reserve Do?
Independence and Accountability

The Federal Reserve System is an important – but complicated institution. Make sense of the Fed in a format that is explained – In Plain English. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Government
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
In Plain English: Spanish Version
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Want to learn about the Federal Reserve? Have no fear! En Lenguaje Sencillo describes the structure and functions of the Federal Reserve System in an easy-to-understand interactive format.

Topics include:

Why Do We Need a Federal Reserve?
Board of Governors
Federal Reserve Banks
Federal Open Market Committee (FOMC)
What Does the Federal Reserve Do?
Independence and Accountability

The Federal Reserve System is an important – but complicated institution. Make sense of the Fed in a format that is explained – En Lenguaje Sencillo. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Government
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Inflation
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What is inflation? What impact does inflation have on saving? How can an understanding of inflation help you make more informed choices about saving? These are important personal finance questions, and this short module on inflation will help you answer them. A basic understanding of what inflation is and how it affects savings helps people make saving and investing choices. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Invest in Yourself
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In this lesson, students learn about human capital. “Human capital” refers to the knowledge and skills that people obtain through education, experience, and training. People invest in their human capital through education, on-the-job training, and practice. Throughout their school careers, students make investments in their human capital. Introducing this concept to younger students can help them understand why school is valuable and will allow them to build on their initial understanding of human capital in later years. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Curriculum Unit
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It's Your Paycheck! is designed for use in high school personal finance classes. The curriculum contains three sections-"Know Your Dough," "KaChing!" and "All About Credit." The lessons in each of these sections employ various teaching strategies to engage students so that they have opportunities to apply the concepts being taught. Each lesson includes black-line masters of the handouts and visuals needed to teach the lesson. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Government
Material Type:
Unit of Study
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck!  Lesson 1: Invest In Yourself
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Lesson 1: Invest in Yourself

Students solve word puzzles with varying degrees of knowledge. They discover that more knowledge (human capital) leads to more productive outcomes. The students identify ways in which people invest in human capital and the link between investment in human capital and earning income. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 1:Invest In Yourself (Spanish)
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All of the lessons are correlated with the National Personal Finance Standards and the National Standards in Economics. See the Lesson Correlation section (pdf) for more information.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 2:  "W" Is for Wages, W4 and W2
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Lesson 2: "W" Is for Wages, W4 and W2

Students compute the gross pay for a fictional character named John Dough given his hourly wage and the number of hours worked. They compare gross pay to net pay. They learn what FICA and federal income taxes are. They learn how to complete a W-4 form and what a W-2 form is. This content from Econ Lowdown also features alignment to national Financial Literacy and/or Economics standards.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 2:  "W" Is for Wages, W4 and W2 (Spanish)
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Each lesson is accompanied by a SMART Notebook file that contains visuals and handouts (whenever practical), along with definitions of terms and review questions.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 3: Cash the Check and Track the Dough
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Students participate in an activity to learn about checking accounts, savings accounts and check cashing services. Students learn the components of a check, and they organize and enter information into an account register - in order to determine the balance. Students learn why maintaining account records is important. Students balance a monthly account statement.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 3: Cash the Check and Track the Dough (Spanish)
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Students participate in an activity to learn about checking accounts, savings accounts and check cashing services. Students learn the components of a check, and they organize and enter information into an account register - in order to determine the balance. Students learn why maintaining account records is important. Students balance a monthly account statement.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 4: Your Budget Plan
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Students participate in "Beat the Financial Expert!," a game that illustrates positive and negative spending behaviors. They analyze the "Beat the Financial Expert!" results, identify effective and ineffective budgeting behaviors and create a budget from a transaction history.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 4: Your Budget Plan (Spanish)
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Rating

Students participate in "Beat the Financial Expert!," a game that illustrates positive and negative spending behaviors. They analyze the "Beat the Financial Expert!" results, identify effective and ineffective budgeting behaviors and create a budget from a transaction history.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 5:Savvy Savers
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Students calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the "rule of 72" and apply it to both investments and debt. They learn that there is a relationship between the level of risk for an investment and the potential reward or return on that investment.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 5:Savvy Savers (Spanish)
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Students calculate compound interest to identify benefits of saving in interest-bearing accounts. They learn the "rule of 72" and apply it to both investments and debt. They learn that there is a relationship between the level of risk for an investment and the potential reward or return on that investment.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It’s Your Paycheck! Lesson 6: Credit Reports--and You Thought Your Report Card Was Important
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Students learn and discuss the advantages and disadvantages of using credit. They read a scenario about a young person's use of a credit card and answer questions regarding repayment. They learn about credit history, credit reports and credit-reporting agencies.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It’s Your Paycheck! Lesson 6: Credit Reports--and You Thought Your Report Card Was Important (Spanish)
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Students learn and discuss the advantages and disadvantages of using credit. They read a scenario about a young person's use of a credit card and answer questions regarding repayment. They learn about credit history, credit reports and credit-reporting agencies.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 7:Creditors' Criteria and Borrowers' Rights and Responsibilities
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Students discuss key terms related to credit and learn how creditors use capacity, character and collateral as criteria for making loans. Students learn about credit rights and responsibilities and identify the rights and responsibilities of using credit.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 7:Creditors' Criteria and Borrowers' Rights and Responsibilities (Spanish)
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Students discuss key terms related to credit and learn how creditors use capacity, character and collateral as criteria for making loans. Students learn about credit rights and responsibilities and identify the rights and responsibilities of using credit.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 8: How Much Are You Really Paying for that Loan?
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Students learn what a payday loan is and the high cost involved in using such a loan. They calculate an annual percentage rate (APR) on a short-term loan and see why comparing loans using APR is more informative than simply by comparing interest rates.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 8: How Much Are You Really Paying for that Loan? (Spanish)
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Students learn what a payday loan is and the high cost involved in using such a loan. They calculate an annual percentage rate (APR) on a short-term loan and see why comparing loans using APR is more informative than simply by comparing interest rates.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 9: To Rent-to-Own or not to Rent-to-Own?
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Students review the elements of a contract. They discuss the characteristics of rent-to-own contracts and compare the cost of those contracts with the outright purchase of goods.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
It's Your Paycheck! Lesson 9: To Rent-to-Own or not to Rent-to-Own? (Spanish)
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Students review the elements of a contract. They discuss the characteristics of rent-to-own contracts and compare the cost of those contracts with the outright purchase of goods.

Subject:
Finance
Career and Technical Education
Financial Literacy
Mathematics
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Jack of All Tades: Advanced Specialization
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In this module, students use their knowledge of the production possibilities curve to determine how specialization in production can yield greater global consumption.

Specifically, Andy and Jack grow potatoes and strawberries on their islands, Los Andeles and Jackramento. When trying to find the mix of potato and strawberry production that will satisfy the islanders’ wants, they happen upon a solution that provides greater strawberry and potato consumption – specialization and trade.

Subject:
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Jack of All Trades: Absolute Advantage
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In this module, students are introduced to absolute advantage, the ability to produce more of a good or service than another producer using the same amount of resources as that producer.

The superhero Jack of All Trades recognizes that although he has the absolute advantage in many tasks, it doesn’t mean he should do all tasks, as Jack explains to mortal, Andy.

From this basic concept, students can move toward an understanding of the benefits of trade and comparative advantage.

Subject:
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Jack of All Trades: Benefits of Trade
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In this module, students learn that economies can experience greater consumption through specialization and trade. However, the price must be right for trade to occur. So, students also ascertain the terms of trade, a condition where trade can only benefit both parties when the price of the good is higher than the exporter’s opportunity cost and lower than the importer’s opportunity cost.

Specifically, Jack and Andy work out the terms of trading potatoes and strawberries between their islands by comparing their opportunity costs of producing those goods.

Subject:
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Jack of All Trades: Comparative Advantage
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In this module, students learn that even when absolute advantage exists, two parties can still benefit from trading, if they do so according to their comparative advantage. Miss Information tries to persuade Andy that his new car repair and snow removal business is doomed to failure because Jack has the absolute advantage in both tasks. However, Jack dispels Miss Information’s misinformation by suggesting they work together and exploit their comparative advantage.
Miss Information tries to persuade Andy that his new car repair and snow removal business is doomed to failure because Jack has the absolute advantage in both tasks. However, Jack dispels Miss Information’s misinformation by suggesting they work together and exploit their comparative advantage.

Miss Information tries to persuade Andy that his new car repair and snow removal business is doomed to failure because Jack has the absolute advantage in both tasks. However, Jack dispels Miss Information’s misinformation by suggesting they work together and exploit their comparative advantage.

Subject:
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Jack of All Trades: Production Possibilities Frontier
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In this module, students learn about the production possibilities curve, a graphic representation of output combinations that can be produced given an economy’s available resources and technology. With their new-found wealth, Andy and Jack have acquired islands, Los Andeles and Jackramento, giving Jack the perfect opportunity to teach Jack about production possibilities, opportunity cost, and the efficiencies of trade according to comparative advantage.

Subject:
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Long-Run Equilibrium
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Aggregate demand, short-run aggregate supply, and long-run aggregate supply come together on one of the most notable models in macroeconomics. This module will teach students how positive and negative demand shocks cause real gross domestic product, price level, and unemployment changes in an economy. These changes can take an economy from equilibrium to disequilibrium, leading to a recession or an inflationary gap. At this point, students should already understand how these individual parts of the model work: aggregate demand (AD), short-run aggregate supply (SRAS), and long-run aggregate supply (LRAS)

Subject:
Business and Communication
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Market Equillibrium
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In this module, students learn about market equilibrium.

Prices for most goods and services are determined in markets by what economists call supply and demand. This module uses a fictitious chocolate market to help students better understand how supply and demand work together to determine prices.

NOTE: This module assumes that your students already understand the economic concepts of demand and supply. If your students do not have a deep understanding of demand and supply, please assign the EconLowdown Demand and Supply modules first.

Subject:
Business and Communication
Social Studies
Economics
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Measuring Unemployment
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When unemployment is persistently high, government may enact policies to bring it down; so, unemployment statistics matter. Students learn how these data are collected and how unemployment is measured in this short module.

Subject:
Business and Communication
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Met the Fed: America's Central Bank
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In this short overview of the Federal Reserve System, students will get acquainted with the major roles and responsibilities of the central bank. It is a module that is designed primarily for those who are preparing a trip to the Federal Reserve Bank of Chicago (or another regional Federal Reserve location). It could also serve as a primer for students just being introduced to the Fed in various contexts.

Subject:
Social Studies
Economics
Government
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Monetary Policy
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Inflation, unemployment, recession, economic growth?these economic concepts affect people in very real ways. In this module containing three interactive, thought-provoking lessons, students will learn about monetary policy, the avenue by which the Federal Reserve System attempts to influence the economy. Four other modules that would further students understanding of related content are GDP and Pizza, The Story of Unemployment, The Great Inflation, and Fiscal Policy.

Subject:
Social Studies
Economics
Government
History
Material Type:
Module
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Once Upon a Decision
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We are faced with the need to make decisions, both big and small, on a daily basis. The earlier young people learn how to make a good decision, the better their decisionmaking skills will be. In this short module, your students will read and listen to a story about Ella, who has decisions to make. While most of her decisions are easy, she runs across a hard one and employs a decisionmaking tool to solve her problem.

Subject:
21st Century Skills
Personal Management
Financial Literacy
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Opportunity Cost
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This module introduces opportunity cost, a fundamental concept in economics. An understanding of opportunity cost contributes to informed decision making at the personal and societal levels.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Paying and Receiving Credit
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What is interest? Why are most people paying and earning interest at the same time? How are interest and opportunity cost related? Making informed borrowing, saving, and lending decisions requires a basic understanding of interest. This module will help you better understand what interest is and why borrowers pay interest and lenders/savers receive interest.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Predicting the Future
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What is the future value of an asset or cash at a specified date in the future that is equal in value to a specified amount today? You can use a formula to determine that—the future value formula: FV=PV (1+i)n. In this module you will learn more than the formula. You will learn why knowing the future value is such an important concept to understand when planning your financial future.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Present Value
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What is present value? There’s a formula you can use to determine present value, but why does present value matter? Well, suppose that you want to have a certain amount of money in the future—say $25,000 to make a down payment on a home. How much do you have to put away today to achieve that goal? Or, what if you win the lottery—do you take a lump sum payment today or equal payments over the next 26 years? Present value is a tool to help you make choices like these.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
A Standard Personal Finance Curriculum
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A “Standard” Personal Finance Curriculum is designed as a high school personal finance course. It is divided into seven units that address the six National Standards for Financial Literacy and a standard on decisionmaking, respectively. Each unit includes a description, talking points, and links to recommended resources for teaching the given standard, along with a selection of supplemental resources. The talking points are introductory comments and information about the content for each unit. Recommended resources include lessons, videos, and online modules. Thus, the curriculum is designed with flexibility for teachers to select the individual resources that best meet the needs of their classes. The curriculum also includes a glossary of terms and a matrix that aligns all of the recommended and supplemental resources with the national standards.

Subject:
Financial Literacy
Material Type:
Unit of Study
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Supply
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In this module, students learn about supply.

Prices for most goods and services are determined in markets by what economists call supply and demand. Both sides – demand and supply – are needed to determine prices.

This short module will use a fictitious chocolate market to help students better understand the supply side of market.

Subject:
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022
Time Value of Money
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The financial security that comes with wealth accumulation requires an understanding of the time value of money. Students begin this module with a lesson on opportunity cost, the most fundamental consideration in any personal financial decision. Students move on to a lesson on interest where they will recognize the importance of interest in sheltering them from the higher cost of living they are certain to experience in later years. The increase in their future costs will be due to inflation, the third subject they will encounter in this program. Students will use their knowledge of opportunity cost, interest and inflation to determine the future value of investments they may make as young adults and the present value of a sum of money they hope to have at a later date.

Subject:
Financial Literacy
Social Studies
Economics
Material Type:
Lesson
Provider:
Federal Reserve Bank of St. Louis
Date Added:
03/30/2022