New Units 2020:
Everfi: Financing Higher Ed
Everfi: Income and Employment
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Paying for your Future Vocabulary List
-
Invest in Yourself
Essential Questions
- Explain the benefits of going to college?
- What are the main costs associated with attending college/
- How much can you expect to pay for college?
Objectives: Students will be able to:
- Discuss the value of investing in yourself, now and throughout your work life.
- Identify how education can impact your future earnings.
- List strategies to minimize the costs of advanced education.
-
Job Benefits & Taxes
Essential Questions
- How can you assess the types of benefits and costs of an employment options?
- How does working add to my costs?
- How can hidden costs impact your employment options?
Objectives: Students will be able to:
- Identify common types of employee benefits
- Give examples of hidden costs of employment
- List criteria to consider when making decisions about where to work.
-
Plan for Change
Essential Questions
- Why should someone plan for unexpected changes in their income?
- Why do people choose alternative ways to gain experience for a career?
Objectives: Students will be able to:
- Give examples of work-related changes that can impact financial status.
- Discuss ways to deal with irregular or temporary drop in income.
- Identify skills, knowledge, and attitudes that employers value in the workplace.
- Consider entrepreneurial possibilities.
Grants, Scholarships, and Loans
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Previous Units
1. Invest in Yourself
Essential Questions
- Explain the benefits of going to college?
- What are the main costs associated with attending college/
- How much can you expect to pay for college?
Objectives: Students will be able to:
- Discuss the value of investing in yourself, now and throughout your work life.
- Identify how education can impact your future earnings.
- List strategies to minimize the costs of advanced education.
Career and College Unit 3 Booklet
Activities:
- Slide 2 Introduction – Activity: Think of ways that you feel you have been successful already in your young lives. Think of awards or honors you have achieved; successes in school, in clubs or in sports; personal skills, etc.. Try to list as many as possible in the next 3 minutes. Write your answers on an index card.
- Slide 3: Complete What is it Worth to be in Class? Activity
- Page 6 – after slide 5 Open the Googledoc “Career and College Research“. Complete the assessment and follow the directions on the worksheet.
- Activity 3.4 My Investment In Me section of the Career and College Research doc.
- After slide 7: College Tuition Comparison Activity
Class Notes:
- Slide 5: Plan Ahead for a Career
- Slide 6: An Education is an Investment in You
- Page 10 and 11 summarize
- Page 12 summarize
- Page 15 3 Costly College Traps – summarize
- Page 17 summarize
- Slide 8 and 9 How to Manage Education Costs
Assignment:
Building a Path to My Career and College Research and My Education Assignment with DECIDE your best training option section.
Extra:
40 Money Management Tips Every College Student Should Know.
2. Job Benefits
Essential Questions
- How can you assess the types of benefits and costs of an employment options?
- How does working add to my costs?
- How can hidden costs impact your employment options?
Objectives: Students will be able to:
- Identify common types of employee benefits
- Give examples of hidden costs of employment
- List criteria to consider when making decisions about where to work.
Career and College Unit 3 Booklet
Activities:
- Slide 4 Which Summer Job Handout
- Slide 5 Activity 3.9 Compare Employee Benefits
- Activity Benefits Analysis Task (pass out handout)
Class Notes:
- Evaluating Salary Pages 24-25 (Google slides 6-7)
- Types of Benefits Page 26 (Google Slide 8)
- The costs of working page 18 (Google Slide 12)
Assignment:
Make a “Poster” in Google doc that includes at least 4 job benefits, give an explanation and possibly a picture. Must be on one page and have a title on the page.
Understand All 25 Components of Your Job Offer Benefits Package
3. Pay and Taxes
Essential Questions
- How are payroll taxes calculated?
- Why don’t you have any control over the amount of your net pay?
Objectives: Students will be able to:
- Calculate net pay.
- List factors that impact personal income tax liability.
- List factors that impact net pay
Career and College Unit 3 Booklet
Activities:
- Slide 3 (Google Slide) Activity 3-8 Check it out!
- Slide 11: Activity 3-7 Get the W-4 Right Handout
- Payroll Calculator: gross, taxes, deductions and net
- Slide 12: Youth Work Permits Application and Rules additional info https://www.youthrules.gov/index.htm Youngworkers.com Videos
Class Notes:
- Slide 4 Income taxes for individuals (list the three taxes)
- Slide 8 (Google slide) Overall, the total amount of federal and state taxes you’ll pay each year depends on these conditions. (list 3)
- Slide 5 Social Security & Medicare Contributions (Just the charts)
- Slide 6 Financial Decisions When Starting a Job (list out items in blue)
Assignment:
Work Setting Preference Assignment
4. Lifestyle (Skip this section for now)
Essential Questions
Objectives: Students will be able to:
Career and College Unit 3 Booklet
Activities:
Class Notes:
Assignment:
5. Plan for Change
Essential Questions
- Why should someone plan for unexpected changes in their income?
- Why do people choose alternative ways to gain experience for a career?
Objectives: Students will be able to:
- Give examples of work-related changes that can impact financial status.
- Discuss ways to deal with irregular or temporary drop in income.
- Identify skills, knowledge, and attitudes that employers value in the workplace.
- Consider entrepreneurial possibilities.
Career and College Unit 3 Booklet
Activities:
- Slide 4: Success Story Homeless to Hair Care
- Slide 17 Google : Hard skills vs. Soft Skills Video Soft Skills Checklist Soft Skills Checklist
- Slide 12:
Class Notes:
- Slide 2 Dip in Income (list your top 5)
- Slide 5 An Offensive Strategy (List your top 3)
- Slide 7 Dealing with Down Times (3 pieces of advice)
- Slide 10 Google – List 4 The potential earning power of working for nothing
- Slide 7 Facts About Unemployment
- Slide 8 LACE Up if Losing Your Job
- Slide 10 7 Super Skills for Any Career
- Your top 3 soft skills
Assignment:
No assignment for this section-complete class notes and pass it in (classroom)
Career and College Unit Review Form (print and turn in)
-
Invest in Yourself
Essential Questions
- Explain the benefits of going to college?
- What are the main costs associated with attending college/
- How much can you expect to pay for college?
Objectives: Students will be able to:
- Discuss the value of investing in yourself, now and throughout your work life.
- Identify how education can impact your future earnings.
- List strategies to minimize the costs of advanced education.
-
Job Benefits & Taxes
Essential Questions
- How can you assess the types of benefits and costs of an employment options?
- How does working add to my costs?
- How can hidden costs impact your employment options?
Objectives: Students will be able to:
- Identify common types of employee benefits
- Give examples of hidden costs of employment
- List criteria to consider when making decisions about where to work.
-
Plan for Change
Essential Questions
- Why should someone plan for unexpected changes in their income?
- Why do people choose alternative ways to gain experience for a career?
Objectives: Students will be able to:
- Give examples of work-related changes that can impact financial status.
- Discuss ways to deal with irregular or temporary drop in income.
- Identify skills, knowledge, and attitudes that employers value in the workplace.
- Consider entrepreneurial possibilities.
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1. Invest in Yourself
Essential Questions
- Explain the benefits of going to college?
- What are the main costs associated with attending college/
- How much can you expect to pay for college?
Objectives: Students will be able to:
- Discuss the value of investing in yourself, now and throughout your work life.
- Identify how education can impact your future earnings.
- List strategies to minimize the costs of advanced education.
Career and College Unit 3 Booklet
Activities:
- Slide 2 Introduction – Activity: Think of ways that you feel you have been successful already in your young lives. Think of awards or honors you have achieved; successes in school, in clubs or in sports; personal skills, etc.. Try to list as many as possible in the next 3 minutes. Write your answers on an index card.
- Slide 3: Complete What is it Worth to be in Class? Activity
- Page 6 – after slide 5 Open the Googledoc “Career and College Research“. Complete the assessment and follow the directions on the worksheet.
- Activity 3.4 My Investment In Me section of the Career and College Research doc.
- After slide 7: College Tuition Comparison Activity
Class Notes:
- Slide 5: Plan Ahead for a Career
- Slide 6: An Education is an Investment in You
- Page 10 and 11 summarize
- Page 12 summarize
- Page 15 3 Costly College Traps – summarize
- Page 17 summarize
- Slide 8 and 9 How to Manage Education Costs
Assignment:
Building a Path to My Career and College Research and My Education Assignment with DECIDE your best training option section.
Extra:
40 Money Management Tips Every College Student Should Know.
2. Job Benefits
Essential Questions
- How can you assess the types of benefits and costs of an employment options?
- How does working add to my costs?
- How can hidden costs impact your employment options?
Objectives: Students will be able to:
- Identify common types of employee benefits
- Give examples of hidden costs of employment
- List criteria to consider when making decisions about where to work.
Career and College Unit 3 Booklet
Activities:
- Slide 4 Which Summer Job Handout
- Slide 5 Activity 3.9 Compare Employee Benefits
- Activity Benefits Analysis Task (pass out handout)
Class Notes:
- Evaluating Salary Pages 24-25 (Google slides 6-7)
- Types of Benefits Page 26 (Google Slide 8)
- The costs of working page 18 (Google Slide 12)
Assignment:
Make a “Poster” in Google doc that includes at least 4 job benefits, give an explanation and possibly a picture. Must be on one page and have a title on the page.
Understand All 25 Components of Your Job Offer Benefits Package
3. Pay and Taxes
Essential Questions
- How are payroll taxes calculated?
- Why don’t you have any control over the amount of your net pay?
Objectives: Students will be able to:
- Calculate net pay.
- List factors that impact personal income tax liability.
- List factors that impact net pay
Career and College Unit 3 Booklet
Activities:
- Slide 3 (Google Slide) Activity 3-8 Check it out!
- Slide 11: Activity 3-7 Get the W-4 Right Handout
- Payroll Calculator: gross, taxes, deductions and net
- Slide 12: Youth Work Permits Application and Rules additional info https://www.youthrules.gov/index.htm Youngworkers.com Videos
Class Notes:
- Slide 4 Income taxes for individuals (list the three taxes)
- Slide 8 (Google slide) Overall, the total amount of federal and state taxes you’ll pay each year depends on these conditions. (list 3)
- Slide 5 Social Security & Medicare Contributions (Just the charts)
- Slide 6 Financial Decisions When Starting a Job (list out items in blue)
Assignment:
Work Setting Preference Assignment
4. Lifestyle (Skip this section for now)
Essential Questions
Objectives: Students will be able to:
Career and College Unit 3 Booklet
Activities:
Class Notes:
Assignment:
5. Plan for Change
Essential Questions
- Why should someone plan for unexpected changes in their income?
- Why do people choose alternative ways to gain experience for a career?
Objectives: Students will be able to:
- Give examples of work-related changes that can impact financial status.
- Discuss ways to deal with irregular or temporary drop in income.
- Identify skills, knowledge, and attitudes that employers value in the workplace.
- Consider entrepreneurial possibilities.
Career and College Unit 3 Booklet
Activities:
- Slide 4: Success Story Homeless to Hair Care
- Slide 17 Google : Hard skills vs. Soft Skills Video Soft Skills Checklist Soft Skills Checklist
- Slide 12:
Class Notes:
- Slide 2 Dip in Income (list your top 5)
- Slide 5 An Offensive Strategy (List your top 3)
- Slide 7 Dealing with Down Times (3 pieces of advice)
- Slide 10 Google – List 4 The potential earning power of working for nothing
- Slide 7 Facts About Unemployment
- Slide 8 LACE Up if Losing Your Job
- Slide 10 7 Super Skills for Any Career
- Your top 3 soft skills
Assignment:
No assignment for this section-complete class notes and pass it in (classroom)
Career and College Unit Review Form (print and turn in)
Mrs. Horwitz's Web Site 