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Alternative Financial Services Infographic
Rating

Be an informed consumer. Understand the costs and benefits of various alternative financial services, such as payday loans, pawn shops, car title loans, rent-to-own, and refund anticipation checks. Compare these to more traditional financial services provided through banks and credit unions.

Subject:
Economics
Material Type:
Diagram/Illustration
Interactive
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Banks and Alternatives - Personal Finance 101 Conversations, Episode 19
Rating

Payday and title lenders, pawn shops, check-cashing services and prepaid cards can be convenient and valuable financial services, similar to those offered by traditional providers of such services—banks and credit unions. What are the costs and benefits of using alternative financial services, as well as of going to a bank or credit union?

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Videos
Date Added:
09/11/2019
The Berenstain Bears' Trouble with Money
Rating

In this lesson, students hear a story about two little bears whose parents use several figures of speech relating to money. Students draw a picture of a bank and write a caption explaining their illustration. Students follow along with the story by listening for additional figures of speech and how they relate to the concepts of banks and interest. The students also construct a story map of an event in the story relating to why people choose to keep their money in banks.

Subject:
English Language Arts
Economics
Material Type:
Lesson
Lesson Plan
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Author:
Erin A. Yetter
Date Added:
09/11/2019
Cards, Cars, and Currency Online Course for Teachers and Students
Rating

Cards, Cars and Currency is a set of personal finance programs that encourages participants to learn about three areas of personal finance: credit cards, debit cards and purchasing a car. Cards, Cars and Currency includes five individual programs that can be used together or individually to enhance personal finance learning.

Subject:
Economics
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Cars and Cash: What To Know Before You Go
Rating

What do you need to know before buying a car? Aside from knowing what you want in a vehicle, you’ll need to know about budgeting and credit before you start shopping. Learn some car-buying basics in the February 2019 Page One Economics: Focus on Finance essay.

Subject:
Finance
Economics
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Kris Bertelsen
Date Added:
09/11/2019
The Case of the Shrunken Allowance
Rating

Students listen to a story about P.B. who thinks money is missing from the peanut butter jar on his window ledge. In addition to basic concepts of saving and spending, students learn currency equivalency and some measurement concepts.

Subject:
English Language Arts
Economics
Material Type:
Lesson
Lesson Plan
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Author:
Mary C. Suiter
Date Added:
09/11/2019
Compound Interest
Conditions of Use:
Remix and Share
Rating

This 6 minute video walks students through how to calculate compound interest. It will aid in the mastery of standard EPF. 18 (a)

Subject:
Economics
Material Type:
Lecture
Provider:
Khan Academy
Author:
Salman Khan
Date Added:
11/05/2018
Ella Saves Today E-book
Rating

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 e-book from our Ella's Adventures series, they'll learn that a bank account offers security and a return on savings.

Subject:
Finance
Economics
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Ella Saves Today Online Course for Teachers and Students
Rating

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 course from our Ella's Adventures series, your students will learn that a bank account offers security and a return on their savings.

Subject:
Economics
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Fast Cash and Payday Loans
Rating

Payday loans are convenient and provide FAST cash to cover emergency situations or help pay a borrower’s expenses from one paycheck to the next. But the fee-based structure of payday lending is quite different from a traditional loan, and laws vary among the states. The April 2019 edition of Page One Economics®: Focus on Finance takes a look at the structure and fees that make these loans costly.

Subject:
Finance
Economics
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Jeannette Bennett
Date Added:
09/11/2019
Fees, Fees and More Fees: It all Adds Up - Personal Finance 101 Conversations, Episode 17
Rating

Rent-to-own and "buy here, pay here" make it easy to get what you want. But what are the real costs that you will pay for this convenience compared with what you’d pay using more-traditional financing, such as loans or credit cards? This video weighs the benefits and costs of your options.

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Videos
Date Added:
09/11/2019
Finance & Economics: Introduction to Interest
Conditions of Use:
Remix and Share
Rating

This 10-minute video lesson looks at what interest is. It compares simple versus compound interest. It is the first video in Kahn Core Finance playlist. [Core Finance playlist: Lesson 1 of 184]

Subject:
Business and Communication
Accounting
Finance
Economics
Material Type:
Lecture
Provider:
Khan Academy
Provider Set:
Khan Academy
Author:
Khan, Salman
Date Added:
02/20/2011
Finance & Economics: US and Japanese Quantitative Easing
Conditions of Use:
Remix and Share
Rating

This 3-minute video lesson compares quantitative easing in Japan to "credit easing" in the United States. [Core Finance playlist: Lesson 152 of 184]

Subject:
Business and Communication
Finance
Economics
Material Type:
Lecture
Provider:
Khan Academy
Provider Set:
Khan Academy
Author:
Khan, Salman
Date Added:
02/20/2011
Finance and capital markets: Interest
Conditions of Use:
Remix and Share
Rating

This 9 minute video will show students how to calculate interest and then shows them the difference when interest is calculated using simple v. compounded. This video will also discuss interest as "the cost of money" and demonstrates in examples how much a person borrows v. pays back when the interest rate is low v. high. This video will enforce the standards EPF. 13 and 18

Subject:
Economics
Material Type:
Lecture
Provider:
Khan Academy
Date Added:
11/06/2018
Give Ell Credit Online Course for Teachers and Students
Rating

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 course from our Ella’s Adventures series, 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.

Subject:
Economics
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
The Great Inflation Online Course for Teachers and Students
Rating

In this course, 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.

Subject:
U.S. History
Economics
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Growing Money - Compound Interest - No-Frills Money Skills Video Series, Episode 1
Rating

In this first episode of the No-Frills Money Skills video series, economic education specialist Kris Bertelsen explains compound interest, or "Growing Money."

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Videos
Author:
Kris Bertelsen
Date Added:
09/11/2019
Hamilton's National Bank
Rating

In this lesson, students participate in two rounds of a role play to help them understand the role of banks in facilitating economic growth through loans. Round 1 is conducted without a bank. After the first round, students read excerpts from Secretary of the Treasury Alexander Hamilton’s 1790 report to Congress in which he proposes a national bank because the United States had few banks at the time. Students then conduct Round 2 of the role play with a bank. After the round, students read excerpts from and summaries of the statute creating a national bank, Thomas Jefferson’s opposition, and Hamilton’s rebuttal.

Subject:
U.S. History
Economics
Material Type:
Lesson
Lesson Plan
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Author:
Eva Johnston
Date Added:
09/11/2019
In Plain English Online Course for Teachers and Students
Rating

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.

Subject:
Economics
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Inflation
Rating

The fourth episode of our podcast series, The Economic Lowdown, discusses three aspects of inflation: what it is, what causes it and how it is measured. The episode also addresses related topics such as deflation, disinflation and the role of the Federal Reserve in monitoring inflation.

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Podcasts
Date Added:
10/08/2014
Interés Bingo - Spanish, Intermediate Mid - Intermediate High
Conditions of Use:
Remix and Share
Rating

Students will practice discussing their preferences, how to defend and support their ideas. Students learn topics through a game of bingo and express how relevant certain ideas are over others.

Subject:
Languages
Material Type:
Activity/Lab
Author:
Amber Hoye
Madi Goertzen
Gabby Bates
Abby Cain
Sue Juarez
Mardy Morales
Alexandra Garcia
Camille Daw
Mimi Fahnstrom
Date Added:
09/12/2019
Less Than Zero
Rating

Students learn about saving, savings goals, interest, borrowing and opportunity cost by reading Less Than Zero. Students use a number line and a line graph to track spending and borrowing in the story.

Subject:
Finance
English Language Arts
Economics
Material Type:
Lesson
Lesson Plan
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Author:
Andrew Hill
Bonnie Meszaros
Judy Austin
Mary Suiter
Date Added:
09/11/2019
Making Sense of the Ups and Downs of Prices
Rating

Have you ever heard someone say "Back in my day, a gallon of gas cost a quarter!" Comparing today's prices with prices "back in the day" can be misleading. Both inflation and deflation between then and now have to be taken into account. Read the August 2013 issue to learn more about the effects of inflation on prices.

Subject:
Economics
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Erin A. Yetter
Date Added:
10/09/2014
Mutual Benefit - No-Frills Money Skills Video Series, Episode 5
Rating

In the fifth episode of the No-Frills Money Skills Video Series, "Mutual Benefit," students learn what investment companies are and how mutual funds work. The video shows the difference between savings and investing and the importance of understanding risk versus reward.

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Videos
Date Added:
09/11/2019
Peer-to-Peer Lending
Rating

Where can borrowers get loans when banks and credit unions aren't an option? Maybe a low credit score, lack of collateral, or small loan amount don't fit with large lending sources. The November 2015 issue of Page One Economics: Focus on Finance describes a growing trend—peer-to-peer lending—as an alternative for borrowers and potential investment opportunity for lenders.

Subject:
Finance
Economics
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Katherine Ren
Date Added:
09/11/2019
Problem Based Module: Start Saving for Retirement Now?
Conditions of Use:
Remix and Share
Rating

In this project, you will explore a real-world problem, and then work through a series of steps to analyze that problem, research ways the problem could be solved, then propose a possible solution to that problem. Often, there are no specific right or wrong solutions, but sometimes one particular solution may be better than others. The key is making sure you fully understand the problem, have researched some possible solutions, and have proposed the solution that you can support with information / evidence.Begin by reading the problem statement in Step 1. Take the time to review all the information provided in the statement, including exploring the websites, videos and / or articles that are linked. Then work on steps 2 through 8 to complete this problem-based learning experience.

Subject:
Mathematics
Algebra
Material Type:
Lesson Plan
Author:
Tracy Rains
Date Added:
04/03/2018
Shopping, Novice High, English Foundation
Conditions of Use:
Remix and Share
Rating

Students will be talking in groups about things they like whether it be sports, food or other interests. They will also participate in a mini shopping experience where they will decide what gift they would like to buy for their partner (in class) and why. This gives the opportunity for students to understand their peer's interests and allows them to apply this new knowledge to a shopping experience.

Subject:
Arts and Humanities
Languages
Material Type:
Activity/Lab
Author:
Amber Hoye
Madi Goertzen
Gabby Bates
Alexis Araiza
Abby Cain
Claire Werlin
Madison Gallagher
Date Added:
10/05/2018
Simple and Compound Interest
Conditions of Use:
Remix and Share
Rating

This resource can serve as a teaching module, student self-study material, or evaluation of understanding. It explains and evaluates the concepts and calculations regarding simple and compound interest. It was developed by Martha Donnelly of Lone Star College.

Subject:
Business and Communication
Mathematics
Material Type:
Activity/Lab
Lesson
Author:
OpenStax, Rice University
Date Added:
07/10/2018
Soar to Savings Online Course for Teachers and Students
Rating

Soar to Savings provides tips for saving and describes the impact of individual saving on the overall economy. As a result of this course, users will have a better understanding of opportunity cost, interest, down payments, and financial investment.

Subject:
Economics
Material Type:
Full Course
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Date Added:
09/11/2019
Tax Refund Fees - Personal Finance 101 Conversations, Episode 18
Rating

Refund anticipation checks are often offered by tax preparers as a way to get your tax refund faster than normal—especially if you don’t have a bank account. Also, some check-cashing stores and payday lenders are able to issue refund anticipation loans. This video takes a look at the costs of these options and suggests some cheaper alternatives.

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Videos
Date Added:
09/11/2019
Time Value of Money solver
Conditions of Use:
Remix and Share
Rating

This is a solver for problems involving the time value of money (TVM). It emulates the TVM solver on the TI-83+ and TI-84 graphing calculators. Updated 6 November 2011 to work correctly when I% = 0.

Subject:
Finance
Geometry
Material Type:
Simulation
Provider:
GeoGebra
Provider Set:
GeoGebraTube
Date Added:
04/26/2012
Ways to Save - 401(k) and Roth 401(k) - No-Frills Money Skills Video Series, Episode 2
Rating

In the second episode of the No-Frills Money Skills video series, students learn that it is important to save for college, cars, retirement, and the unexpected. The video also explains the difference between a 401(k) and a Roth 401(k).

Subject:
Economics
Material Type:
Lecture
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Videos
Date Added:
09/11/2019
What Do Financial Market Indicators Tell Us?
Rating

To those unfamiliar with financial and economic lingo, the terms bandied about in the news can sometimes make no sense. The January 2012 issue offers some help with explanations of common terms. The essay is accompanied by a table of terms, definitions, and the significance of each to the broader economy.

Subject:
Economics
Material Type:
Lesson
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Page One Economics
Author:
Scott A. Wolla
Date Added:
10/09/2014
Worth!
Rating

Students participate in a banking role play in which they portray roles based on characters in the book Worth! by A. LaFaye. The students learn about banking, profit, risk, and reward. Students discuss some of the factors that affect loan interest rates and the availability of credit. Students apply their knowledge of the content by writing a fictional applicant a letter of acceptance or rejection.

Subject:
English Language Arts
Economics
Material Type:
Lesson
Lesson Plan
Reading
Provider:
Federal Reserve Bank of St. Louis
Provider Set:
Economic Lowdown Lessons
Author:
Kris Bertelsen
Tamme Adams
Date Added:
09/11/2019
오늘 뭐 했어요?/ What did you do today?, Korean, Novice High
Conditions of Use:
Remix and Share
Rating

In this lab, students will learn how to describe their day and their actions. They will also learn how to explain the reason behind the action. Students will learn how to ask questions about a classmate's day and will be able to answer the question.

Subject:
Languages
Material Type:
Activity/Lab
Author:
Amber Hoye
Daum Jung
Camille Daw
Date Added:
09/25/2019