FINANCIAL FITNESS FOR LIFE: 9-12
STUDENT EXERCISE BOOK

Table of Contents

• Theme 1: Why There Is No Such Thing As a Free Lunch
  • Exercise 1.1: The Millionaire Game Scorecard
  • Exercise 2.1: A Mystery of Two Families
  • Exercise 2.2: A Boring School Mystery
  • Exercise 3.1: Decision-Making
  • Exercise 3.2: Personal Decision Making
  • Exercise 3.3: Buying a New PC
• Theme 2: Why Education Pays Off: Learn Something
  • Exercise 4.1: The Job Application Process
  • Exercise 4.2: Sample Job Application
  • Exercise 4.3: Job Postings and Interview Form
    • Exhibit 4.1: Sample Letter of Application
    • Exhibit 4.2: Sample Resume
  • Exercise 5.1: Take the Test
  • Exercise 5.2: Who Are Entrepreneurs?
  • Exercise 5.3: Hear a Business Opportunity Knocking On Your Door?
  • Exercise 5.4: I wonder Why Nobody Ever Made a…?
  • Exercise 6.1: Why Some Jobs Pay More Than Others
  • Exercise 6.2: Education and Training
  • Exercise 7.1: Taxes and Benefits Deducted From an Employee’s Paycheck
    
  • Exercise 7.2: Calculating a Paycheck #1
    
  • Exercise 7.3: Calculating a Paycheck #2
    
    • Table 7.1: Federal Tax Table
      
    • Table 7.2: State Tax Table
      
• Theme 3: Getting to the End of the Rainbow
  
  • Exercise 8.1: The Opportunity Cost and Benefit of Spending and Saving
    
  • Exercise 8.2: A Tale of Two Savers
    
  • Exercise 8.3 Why It Pays to Save Early and Often
    
    • Table 8.1: The Growth of Ana and Shawn’s Savings
      
  • Exercise 9.1: Types of Risk
    
  • Exercise 9.2: The Pyramid of Risk and Reward
    
  • Exercise 10: Investment Bingo
    
• Theme 4: Spending and Credit Are Serious Business
  
  • Exercise 11.1: What Is Credit?
    
  • Exercise 11.2: Common Forms of Credit
    
  • Exercise 11.3: Credit Research
    
  • Exercise 13.1: Reading a Credit Report
    
    • Exhibit: 13.1: John Q. Consumer’s Credit History
      
  • Exercise 13.3: Evaluating Three Loan Applications
    
  • Exercise 14.1: Everything You Wanted to Know About Figuring Interest
    
  • Exercise 15.1: Comparing Credit Cards
    
  • Exercise 15.2: Reading a Credit Card Statement
    
  • Exercise 16.1: Using the Computer to Compute Payments for a Loan
    
  • Exercise 17.1: Getting the Best Deal on Your Auto Loan
    
  • Exercise 17.2: Shopping On-Line
    
  • Exercise 17.3: Shopping in Your Community
    
  • Exercise 18.1: Consumer Credit Protection
    
  • Exercise 18.2: Credible Credit Counselors
    
  • Exercise 18.3: Legal Protection for Borrowers
    
  • Exercise 19.1: Scams and Schemes
    
  • Exercise 19.2: Name That Scam
    
• Theme 5: Get a Grip on Life
  
  • Exercise 20.1 Budgets Are Beautiful Call-In Show
    
  • Exercise 20.2: John and Marcia: Monthly Spending Plan 1
    
  • Exercise 20.2b: John and Marcia: Monthly Spending Plan 2
    
  • Exercise 21.1: What Are Financial Institutions?
    
  • Exercise 21.2: Checking Out Checking Accounts
    
    • Illustration 21.2: The Finer Points of Writing a Check
      
  • Exercise 21.3: Keeping a Checking Account
    
  • Exercise 21.4: Financial Services Survey
    
  • Exercise 22.1: Choices and Risks
    
    • Table 22.1: Types of Insurance
      
  • Exercise 22.2: The Big Risk