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Alternative Financial Services Infographic
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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
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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
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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
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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
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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
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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
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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
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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 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
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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
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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