JA Personal Finance

grow money
Junior Achievement is a national program focused on providing young people with entrepreneurial and financial programs that develop knowledge and skills for future economic success. We will be using their JA Personal Finance® Blended Model as part of our main curriculum throughout the semester.

- Username = firstname.lastname (case sensitive)
- Password = JApf17!

S1: Earnings, Employment, & Income

We may use Socrative to answer questions during the lesson. Use the link to go to my room and enter BRAINERDA220.

Session One Documents - Use Kami to type on PDF files

NEFE HSFPP Module 3 Earning Power

The High School Financial Planning Program (HSFPP) is another curriculum that we will use while talking about personal finance. We will be using both the student guide and presentation below.

Create a comic that explains/includes your future career plans, career goals, and the education/training you will need. You might need to create multiple ‘strips’.

Add your comic to the collaborative page and send them to me on Schoology.

S2: Budgeting


Registration & Class Code

NEFE HSFPP Module 1 Money Management

count money
We will be using both the student guide and presentation from the HSFPP.

The Assignment

Complete My Spending Plan/Budget and Spending Log 30 pts (assessment category)

S3: Savings

EverFi Savings Module

Complete the Savings Module using your EverFi account. You will be graded on completing the module (5 pts) and the score you get on the end Savings Final Quiz (10 pts). 

S4: Credit and Debt



S5: Consumer Protection


Next Gen Personal Finance (NGPF) Financial Pitfalls

ngpf logo
The Next Gen Personal Finance curriculum is interactive and student-centered. We will be using their material during the semester and some of the content on this site is taken directly from their curriculum. 


Identity Theft


Have You Been Hacked? Use the linked document to find out and answer the first three questions. We'll talk about it together.

Discuss these questions with someone sitting next to you, then we'll share back together. 

Look at the data crunch on this link and answer the questions with someone next to you. We'll talk about these together. 

We'll check out the video from this article about a woman that confronts her identity thieves. Was this a smart thing to do?

The types of identity theft and methods are growing. Work with one other person to complete this Forms of Identity Theft activity. We'll share back with the group.

How can we protect our identity online? We'll do some research using the info and links on this Google Doc.

We'll watch the video from this link and talk about these questions. 
  1. What does EMV stand for?
  2. How does a credit card chip provide protection against identity theft?
  3. Why would people or businesses choose NOT to use credit card chips?
Scams, Fraud, & Protection

We'll check out the infographic from this link on the 4 Things that Scare Americans Most. Do you think the results would be the same if people were polled today? Why do you think there are no responses listing other fears such as heights, spiders, or flying?

Look at the data crunch on this link and answer the questions with someone next to you. We'll talk about these together. 

Check out common types of scams found on this link. Which do you feel would be most effective? Describe a scam or fraud that you have personally experienced, or that someone in your family was a victim of, or that you’ve heard about on the news. What were the consequences? 

We'll look at this video about a Craigslist scam.

Look at this link on 7 Ways to Protect Yourself from Credit Card Fraud. Which tip is the best? Why? Work with a partner to add your thoughts to this collaborative page

We'll check out this video about social engineering and how to detect fake emails. Which of these have you experienced? Do you worry about these types of scams?

Mobile banking using a phone or tablet can be a security risk because the device might be lost or stolen. We'll check out this links on 3 Tips to Make Mobile Banking More Secure. After you look at the article, talk with a neighbor about which mistakes you are currently making. Which ones will you try to fix? 

We'll look at this link from a training on passwords and security. After we've covered the information from the link, write down three insecure passwords and create three secure passwords you might use. 

You now have a strong password, but you still want to add more security. Enter two-factor authentication. Look over these two articles on two-factor authorization and jot down the answers to these questions with a partner. 
  1. How does 2 factor authentication provide protection against identity theft?
  2. Once the user has provided their password, what could be used as the second method of identity verification in 2FA?

The Assignment - Identity Theft Flowchart/Diagram 15 pts

Use the links below (or others you find) to learn about strategies for recovering from identity theft. After you've gained enough knowledge, use LucidchartGoogle Drawing, Canva, or Draw.io to create a flowchart or diagram that helps or gives advice to someone who's been a victim of identity theft. Include three to five strategies in your flowchart/diagram. Send me your final project on Schoology. Here is an example of a flowchart and diagram:

ID Theft Diagram
(Image from xkcd)

ROLEPLAY: Living Paycheck to Paycheck (#17) - 14 pts

This is a cool activity from NGPF we would have done when we talked about budgeting, but I didn't know about it then. Follow the directions on this document and complete the worksheet. Send me your completed worksheet on Schoology. 

S6: Smart Shopping


Shop 'Till You Drop (Click on Programs --> JA Personal Finance 17-18 --> Session Six: Smart Shopping --> Interactive learning resource Shop 'til You Drop)
- Username = firstname.lastname (case sensitive)
- Password = JApf17!

NEFE HSFPP Lesson 1-3 Decisions & NGPF ANALYZE: Auto Insurance Comparison Shopping

We will continue to look at how we can improve our finances by becoming a savvy shopper. We'll start out by watching this video on how to be a smart consumer

It is good to have a plan when making small or large purchases. We'll use this presentation to look at one decision-making method. 

You're in the market for a new car. Use this link and the DECIDE method we covered to make the best choice. You can work with one other person.

Congratulations, you now have a sweet new ride! Now you need to do some more shopping and choose the best insurance option for your needs. Use this auto insurance activity to practice comparison shopping. You can work with one other person.

Comparison Shopping Apps (or Sites)

shop phone app
We've seen how comparison shopping can help our personal finances by maximizing how we use our resources. There are tools available to help make this easier. Groupon is just one option of the many available. 

The Assignment - Comparison Shopping App Review - 18 pts

You are working for a technology blog/website and your assignment is to review comparison shopping apps (or sites). Use this article as your example or model. You will have the same sections (Features (3 pts), Where it Excels (3 pts), Where it Falls Short (3 pts), and The Competition (3 pts)plus a few additional. Make sure to include at least two options or alternatives in the competition section. 

You need to install and use the app you are reviewing to do some comparison shopping. Include screenshots (3 pts)of using the app in your review. Also, add a reflection (3 pts)on your feelings about comparison shopping apps and if you will use them in the future. 

Send your review with the additional parts to me on Schoology. 

Shopping Psychology

Businesses use psychology to get you to spend your hard-earned money. Being aware of their tricks will help you become a smarter shopper. As we watch the video, sketchnote (visual note taking) the main ideas and takeaways. Use one of these sites to sketchnote. 

Add your sketchnote to this collaborative page

S7: Risk Management


Use Socrative to answer questions during the lesson. Use the link to go to my room and enter BRAINERDA220.

Next Gen Personal Finance (NGPF) Insurance

house fire

Discuss these questions with someone sitting next to you, then we'll share back together as a group. 

We'll watch and discuss some videos related to insurance and then you'll have the chance to collaborate and take the driver's seat as you explore more topics related to minimizing financial risk. 

We'll check out this video on risk and discuss the following questions. 
  1. Do you know anyone who has had to use insurance (health, auto, or some other type)? If so, what happened?
  2. What are some things in your life that might require insurance?
We'll watch this video on insurance fraud and talk about these questions. I'll mention one example from my home town. 
  1. What is one way that fraud is committed?
  2. What are some potential penalties for insurance fraud?
How does health insurance work? We'll learn just that in this video. 

What are deductibles and copays? This video will help find an answer. 

Now you will take a deeper dive into the ocean of insurance. Grab your snorkel and complete this linked document. You may work in groups of three or less. Show me your group's finished document for credit. 

Next Gen Personal Finance (NGPF) What Insurance Should I Buy?

We'll do a project in class where you choose your own insurance options and evaluate your choices when life starts throwing curve balls. 

Team up with one other person. You will get a career and monthly salary from this sheet (ramdom distribution). You will complete parts two through five on this document. After everyone has finished, together we will go scenarios (teacher support document) that will test your insurance choices. 

JA Personal Finance Post-Program Survey 17-18

Complete the JAPF post program survey.

Post-Program Survey (Click on Programs --> JA Personal Finance 17-18 --> Session Eight: Investing --> JA Personal Finance Post-Program Survey 17-18)
- Username = firstname.lastname (case sensitive)
- Password = JApf17!

Next Gen Personal Finance (NGPF) Intro to the Stock Market

wall street
Are you ready for Wall Street? We will use this student activity packet to get an overview of the stock market. You will complete the guide and we will discuss it as we cover material. 

The Assignment - ROLEPLAY: Think You Can Pick Stocks 10 pts

Use this document, ROLEPLAY: Think You Can Pick Stocks, to try your hand at the stock market. Complete the table and questions. SHOW ME your completed document and send it to me on Schoology. 

Stock Market, Investing, Stocks, & Bonds

profit loss risk

We will go through this presentation using Pear Deck. I will put the instructions to access the presentation on the board. 

Stock Market Game

stock market
Team up with one other future broker (groups of two). Move to sit with your teammate. 

Use this registration link to join Mr. Brainerd's stock market game. Make sure both group members know the username and password (DON'T use 'Connect with Google').

Once everyone is registered, we will explore the site together and look at the following areas.

The Assignment - Stock Market Game & Visual 30 pts

Use your investing knowledge (and luck) to create the best portfolio. The simulation/game does allow 'day trading' (buying and selling securities on the same day). You will only have two days to actively trade. You will be graded on your active participation (15 pts). Once trading is finished, you will create a visual (eg. presentation, spark video, etc.) that explains your strategy and performance. The visual should include:
  • Information about each company you bought/sold
  • Explanation of why you bought each company
  • Explanation of your investing strategy
  • Overview of portfolio performance throughout the simulation
  • Reflection on the simulation (eg. what would you have changed) and your future in investing (eg. do you see yourself investing in the future)
The visual (15) should be informative (enough detail) and visually engaging/attractive. Send the visual to me on Schoology. 

The top-ranked team at the end of the simulation will receive a reward (eg. food/snacks/5 pts extra credit).