| This course is designed for high school students. It is based on the financial literacy program offered at California Community Colleges. Financial Sense to White Picket Fence Budgeting, Borrowing, Buying, Beyond by Chris Sorensen, Executive Director of Homeownership Education Learning Program or H.E.L.P. |
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Financial Literacy Student Guidebook
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| Chapter 1: Financial Literacy: The Introduction | Students will learn the meaning of finance and why it is important along with financial concepts and decision-making skills.Chapter 1 Worksheet
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| Chapter 2: The Financial System in the U.S. | Students will learn about the financial system in the U.S. and the role of the Federal Reserve along with the types of financial institutions, the services and types of accounts provided.Chapter 2 Worksheet
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| Chapter 3: Financial Planning and Budgeting | Students will learn about short and long-term budgeting; the purpose and difference of both as well as the basics of the time value of money. Chapter 3 Worksheet
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| Chapter 4: Borrowing and Consumer Credit | Students will learn the meaning and pros and cons of credit. The various types of consumer credit, the factors affecting the opportunity to borrow money and how to calculate monthly loan payments.Chapter 4 Worksheet
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| Chapter 5: Financial Decision-Making in College | Students will learn the benefits and costs of attending college, the key factors to consider when chossing credit cards and important things to know when renting an apartment. Chapter 5 Worksheet
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| Chapter 6: Saving and Investing | Students will learn the means to invest money for long-term goals, the impact of paying taxes on rates of return, the basics of stock and bond markets, various ways to invest in real estate and how mutual funds work.Chapter 6 Worksheet
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| Chapter 7: Buying Your First Home | Students will learn the benefits and costs of home ownership, how to choose real estate professionals to help with your home purchase, identifying the right house for you and how to select from numerous types of home mortgages. Chapter 7 Worksheet
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Student Assignment Guide |
