CEP Lesson Plan Form

Teacher: Heidi Borrego

4/22/16
School: RMHS
Financial Life Management

Date:
Grade Level: 11-12

Content Area:

Title: Wrapping up Saving and Investing

Lesson #:_5_ of _5_

Content Standard(s) addressed by this lesson:

directly from the standard)

(Write Content Standards

COSE.12
(LFMGT) Evaluate management practices related to the human,
economic and environmental resources.
COSE.15.01.d

(LFMGT) Compare investment and savings alternatives.

Evidence Outcomes: (Learning Targets/Objectives)

Every student will be able to: (Create your own lesson objectives from the
standard, follow the ABCD format, using student voice)
Students will be able to recognize and define the different banks and
saving accounts they previously explored.
Students will be able to identify the benefits and risks to different ways of
investing.
List of Assessments: (Write the number of the learning target associated with
each assessment)

Kahoot
Banking, Saving, and Investing Quiz
Roommate agreement

List of Significant Vocabulary: (List the significant vocabulary words and

definitions for this lesson)

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Planned Lesson Activities

Name and Purpose of Lesson
Should be a creative title for you and the students
to associate with the activity. Think of the purpose
as the mini-rationale for what you are trying to
accomplish through this lesson.
Approx. Time and Materials/Procedures
How long do you expect the activity to last and
what materials will you need? What do you need to
collect, prepare, reserve, set-up, etc. ahead of
time?

Wrapping up saving and investing- This lesson helps students

review for the quiz that they will be taking in the middle of this
lesson. They will then get started on thinking about what they
would want in a roommate.

Pre-Assessment
How will you pre-assess students knowledge of
the topic to be covered? Describe both formal and
informal ways you will assess their knowledge
Anticipatory
Set/Focus/Hook/Engagement/Motivation/Intro
duction
The hook grabs students attention and engages
them from the start. These are actions and
statements by the teacher to relate the
experiences of the students to the objectives of
the lesson and to put students into a receptive
frame of mind.
To focus student attention on the lesson.
To create an organizing framework for the
ideas, principles, or information that is to
follow (advanced organizers)
An anticipatory set is used any time a different
activity or new concept is to be introduced.
Procedures/Instructional Input/Learning
Chunks/Scaffolding for Learning (this is the

The pre-assessment for this lesson was done during the very
first lesson last Friday.

90 minutes
Students will need their notes form the previous classes
Kahoot
Computers or cell phones for students to play the kahoot
Banking, Saving, and Investing Quiz
Roommate agreement

Give students 10 minutes to look through their notes before

starting the Kahoot.

After students have had some time to look over their notes we
will play a Kahoot. The Kahoot is just made up of pretty much

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largest part of your lesson plan)
(Include a play-by-play account of what will happen
in the class from the minute students arrive to the
minute they leave your classroom. Indicate the
length of each segment of the lesson. List actual
minutes.)
Include the following components in scripted
format:
-Teacher input-what you will share (lecture outline,
notes of interest, facts, vocabulary, description of
activities, etc.)
-Modeling (demonstrations, stories, examples,
etc.)
-questioning strategies (what questions will you
ask to CSU)
-guided/unguided:
-whole-class practice
-group practice
-individual practice
-check for understanding
-other (FCCLA, FFA, etc. connection)
Closure/Conclusion/Summary/Adjustments/
Wrap-up/Clean-up
Those actions or statements by a teacher that are
designed to bring a lesson presentation to an
appropriate conclusion. Used to help students
bring things together in their own minds, to make
sense out of what has just been taught. Any
Questions? No. OK, lets move on is not closure.
Closure is used:
To cue students to the fact that they have
arrived at an important point in the lesson
or the end of a lesson.
To help organize student learning
To help form a coherent picture and to consolidate.
Differentiation/Modifications/Adaptations/Acc

the exact same questions from the quiz, but with some of the
language changed around. The Kahoot will take about 20
minutes because after each answer I will talk to the students
about why that is the correct answer. Once we finish the
Kahoot I will give the students 10 more minutes to finish
looking over their notes and asking me questions. Then we will
take a 5 minutes break and come back and take the quiz. The
quiz will take about 20 minutes for the students to complete.
Once all the students are done and have turned in their
quizzes we will move on to the next unit of housing and
transportation. Since students will be tired form taking the quiz
the next activity will be pretty easy. I have previously matched
the students in the class up with a roommate that I believe
they would not normally pick for themselves. They will get
together with their roommate and start going over a roommate
agreement and figuring out what things would bother them in
a roommate and what things they would be willing to
compromise on.

After students have gone through the roommate agreement I

will ask each group if they found it easy to get along or if they
found that they have differences. I will ask if it was easy for
them to compromise or if they found it difficult.

I do not have any students that require modifications for their

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ommodations To modify: If the activity is too
advanced for a child, how will you modify it so that
they can be successful?
To extend: If the activity is too easy for a child,
how will you extend it to develop their emerging
skills?
Assessment/Pre-Post/On-going
How will you know if students met the learning
targets? Review each learning target and
determine the assessment that met that target.
Can the students answer your inquiry questions?
Write a description of what you were looking for in
each assessment.

quizzes or extra time. During the time that students are

studying I will walk around the room and make sure none of my
students have any more questions.

The Kahoot and the post-assessment will help me to determine

how much my students have learned throughout the whole
unit.
The roommate agreement will help me determine if my
students are being truthfully honest about what they would be
willing to have in a roommate and what they might be trying to
just seem easy going about.

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Post Lesson Reflection

1. To what extent were lesson objectives achieved? (Utilize
assessment data to justify your level of achievement)
The Kahoot and the post-assessment showed me that my students
were able to retain a good deal of information form the unit. Their test
scores were much improved since their pre-assessment.
2. What changes, omissions, or additions to the lesson would
you make if you were to teach again?
Next time I teach this I might try and do the Kahoot on the day before
so students have an idea of what the test will be like and they will be
able to go home and study. Having the Kahoot and the quiz in the
same day made it difficult to know if they really learned everything or
if they were just able to retain it for a short amount of time to
regurgitate the information. I tried to put as much time between the
Kahoot and the actual test.
3. What do you envision for the next lesson? (Continued practice,
reteach content, etc.)
The next lesson will continue on to talk about roommates and housing.
The students will work with their roommates to start looking for a
couple apartment options.

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Name:______________________

Banking, Saving, Investing Quiz

1. Which of the following investments is the Least liquid?
a. Checking accounts
b. Savings accounts
c. Certificates of deposit (CDs)
d. They are all equally liquid
2. The more liquid an investment is, the more earning potential it is likely
to have.
a. True
b. False
3. Which of the following is true of a BANK as opposed to a credit union?
a. Insured by the NCUA
b. Non-profit that makes no money from its customers
c. More locations for convenience
d. Usually joined by members with something in common (i.e. a
certain profession)
Please match the type of bank account to the statement that is true about it.
4. Checking account ______
for emergencies
5. Saving account ______
government insured
6. CD(certificate of deposit) _____
no/low interest
7. Money Market account _____
higher interest

a. Low interest account used

b. Minimum amount required,
c. Most liquid type of account,
d. Penalty for early withdrawal,

8. If you invest in a variety of investments, this is called:

a. Liquidity
b. Financial stability
c. Diversification
d. Investment return
9. A small unit of ownership in a company (and sharing in its profits) is
called a:
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a.
b.
c.
d.

Stock
Bond
Mutual fund
Money market

10.
When it comes to planning for retirement, it is better to start
saving when?
a. Only once you have a large amount to put into an account
b. When you are young, even if its a small amount
c. You only need to start 10 years before your retirement
d. It is different for everyone, there is no set guideline
11.
Interest computed on the original principle plus accumulated
interest, is called compounded interest.
a. True
b. False
12.
a.
b.
c.
d.
13.
a.
b.
c.
d.

Which of these investments is Not subject to income taxes?

Corporate bonds
Stocks
Mutual bonds
Municipal bonds
The rule of 72 is useful in calculating
Where a person should invest their money
The amount of money the FDIC will insure in a savings account
The time required to double an investment
The minimum amount of money you must keep in a savings
account

e.
14.
Which of the following is Not a savings tool offered by financial
institutions?
a. Mutual funds
b. Money Market account
c. Certificate of deposit
d. Savings account
15.
Which financial institution offers the widest variety of banking
services?
a. Commercial banks
b. Savings banks
c. Credit unions
d. Brokerage firms
16.

The amount the bond holder will be repaid at maturity is called

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a.
b.
c.
d.

Equity
Fixed Income
Face value
Assets

17.
When deciding on a savings account, it is most important to
consider
a. Liquidity
b. Convenience
c. Yield
d. All of the above are equally as important to consider
18.
a.
b.
c.
d.

Bonds are
Loans that corporations must repay at face value, with interest
Paid at a specified interest at regular intervals
A fixed income investment
All of the above

19.
Which of the following ways of paying for college need to be paid
back?
a. FAFSA
b. Frants
c. Student loans
d. All of the above
20.

Purchasing valuable goods is one way to invest.

a. True
b. False

21.
basis
a.
b.
c.
d.

The actual interest rate an account earns stated on a yearly

is called
Annual Report
Compounded interest
Annual Percentage Yield
Interest

22.
The risk that the value of an investment will decrease due to
moves in market factors is called
a. Risk averse
b. Market Risk
c. Risk
d. Supply and demand
23.
When filling out your W4 when you first start a job, if you put 1
allowance that means
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a. Less taxes will be taken out of each paycheck and you will get a
bigger refund
b. More taxes get taken out and you get a bigger refund
c. Less taxes get taken out and you get a smaller refund if any
d. More taxes get taken out and you get a smaller refund if any
24.
Money paid to stockholders from the corporations earnings is
called
a. Face Value
b. Dividends
c. Interest
d. Profit
25.
Explain how compounded interest works, compared to regular
interest.

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A Guide to Finding a Roommate

Good Questions to Ask of Your Potential Roommates
1. What kind of a relationship do you want in a roommate?
a. Do everything together
b. To be friends
c. To be respectful and peacefully coexist
Residents should recognize whether they are looking for just a roommate or a
potential friend in their
roommate to better start the relationship. Some students become lifelong friends
from being roommates while
others just simply live together respectfully.
2. Which statement best describes you?
a. I am a morning person and prefer to live with a morning person.
b. I am a morning person and can live with a night person.
c. I am a night person and prefer to live with a night person.
d. I am a night person but can live with a morning person.
This is to ensure you are living with someone who has similar habits and if they
dont, youre able to start the
conversation of sleeping, studying and social habits.
3. How would you describe your sleeping habits?
a. Light sleeper
b. Moderate sleeper
c. Heavy sleeper
This is to prevent conflict in accordance to study habits, social life. If you
accidentally bump into something or

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drop something in the middle of the night, will that wake your roommate? Do you
snore or do they? Its
important to start this conversation so both roommates are aware of each others
sleeping patterns.
4. What time do you prefer to go to bed?
a. 8 pm - 10 pm
b. 10 pm - 12 am
c. 12 am 2 am
d. After 2 am
Does your potential roommate like to stay up reading all night or are they someone
who likes to go to bed right
after their favorite TV show? How does that mesh with your lifestyle habits?
5. What time do you prefer to wake up?
a. Before 7 am
b. 7 am 9 am
c. 9am 11am
d. I sleep as long as possible
This can begin conversations on what each morning should look like and accordingly
plan bathroom use
schedules.
6. Do you like to study in your room?
a. Yes
b. No
c. Depends on the noise or time of day
A Guide to Finding a Roommate
Expectations can be set on which times work for both parties to study in the room in
accordance to sleeping
habits along with brainstorming a back-up location for studying.
7. Which statement best describes your preference of study environment in your
room?
a. I prefer a study environment that is very quiet.

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b. I prefer a study environment with some noise (e.g., music, TV, etc.) in the
background.
c. I am able to study regardless of the noise level.
d. I must have some level of noise in order to study.
Some environments work better for others when it comes to studying. This could be
one of the most important
questions you ask, as not all people study well in environments with background
noise or in a quiet
environment.
8. How do you feel about your roommate's significant other frequently spending
time in
your room?
a. I would usually be comfortable in this situation.
b. I would usually agree if I didn't plan to be there.
c. Only if my roommate asked and I agreed.
d. I would agree if the significant other was not spending the night.
e. I would not be comfortable in this situation.
While our policies do not allow cohabitation, your roommate may want his or her
girlfriend or boyfriend to come
over for a movie or study date. How much is too much? How would you feel being
around while they are
there?
9. How do you feel about groups of people socializing in your room?
a. This would be fine with me except when I am trying to sleep or study in my room.
b. This would be fine occasionally.
c. I would be okay only if I didn't plan to be there.
d. I would expect to find privacy in my room most of the time.
Guests in the room can impact a roommates study/sleeping habits. While we
already have existing guest
policies, this conversation can also help create an understanding of whats okay and
whats not. For example,
when your roommate has guests over, can they sit on your bed or only on the chair?
How late can they stay?
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Do you want them to talk to you or would you prefer to be left alone.
10. Which statement best describes your standards for the condition of your room?
a. I like my room to be clean almost always.
b. I like my room to be generally neat, but I am willing to put up with a little clutter
from time to
time.
c. It does not bother me if my room is cluttered and disorganized.
Not everyone is Martha Stewart when it comes to keeping their rooms organized,
and thats okay. Do you mind
if your roommate leaves their clothes on the floor or will clutter keep you awake at
night?
A Guide to Finding a Roommate
11. How would you feel about your roommate borrowing or sharing your personal
belongings?
a. I would not mind at all.
b. I would not mind sharing things like TVs, stereos, etc. but would mind sharing
personal items
like clothing.
c. I would not mind if I had been asked and had given my permission.
d. I would not use other people's things and expect others not to use mine.
In younger days we were taught that sharing is caring, but sometimes theres just
some things you dont want
to part with.
12. In dealing with conflicts:
a. I am able to clearly express my feelings and concerns.
b. I will generally express my concerns in a joking fashion so that the other person
gets the hint.
c. I usually wait until I am really annoyed or angry.
d. I am not comfortable asserting myself in conflict.
No relationship is absolutely perfect and when you live with someone you may run
into issues that need to be
addressed. Whats your and your roommates personal style when it comes to
addressing things that bother
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them or managing conflict?
13. Although smoking is prohibited in the Residence Halls, your smoking habits can
influence your
roommate relationship. Do you smoke?
a. Frequently.
b. Occasionally.
c. No.
Though smoking in the residence hall is forbidden, the smell and smoke can remain
on clothing and be brought
into the residence hall. Residents should be aware about this prior to living together.
14. Do you object to your roommate smoking?
a. Yes.
b. Yes, and I am smoke-sensitive.
c. No.
Similar to the question above, the smell of smoke may negatively affect residents
who have breathing related
health conditions or residents who have strong feelings about the smell of smoke. To
avoid disagreements or
potential health concerns, this should be addressed prior to living together.
15. How often do you plan on going home?
a. Every weekend
b. Every other weekend
c. Once a month
d. Rarely or only during university breaks
e. Never
Its important to keep communication with your roommate when you will be present
in the room and when you
wont be because some people may not like being alone and others may want to
plan their guest visitation.
A Guide to Finding a Roommate
The following questions relate to hobbies and interests. While roommates do not
have to be a perfect match in
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regards to likes and dislikes, it helps to have a common ground to build a
relationship on. Consider discussing
these questions as well as others that are important to you.
Interests
1. Which music genres are most applicable to you?
a. Country
b. Rock
c. Classical
d. Folk
e. Rap
f. R&B / Hip-Hop
g. Pop
h. Oldies
i. Other
2. How often do you have music or the TV on in your room?
a. All the time
b. Most of the time
c. Sometimes
d. Rarely
e. Never
3. What are the top three ways you most enjoy spending extra time:
a. Arts Movies Religion
b. Comm. Service Music Road Trips
c. Computers Outdoors Sports
d. Dancing Partying Television
e. Dining Photography Theater
f. Family Reading Video Games

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Roommate Agreement
This agreement is made by and among the roommates named herein who have
signed a lease for a shared
dwelling unit that makes the roommates jointly and severally liable for all terms of
the contract.
Execution of this roommate agreement does not alter the joint and several liability
of the tenants under the
rental contract with the landlord. However, it may be used if a dispute among the
roommates arises.
Address of Rental Unit
_______________________________________________________________________
Term of Lease ___________________ to ___________________
N h am e R t entperM ont S d ecurityDeposi Bedroom to be Occupie
$$
$$
$$
$$
$$
$$
If roommates will switch bedrooms or pay different amounts of rent at any point,
those changes should be
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noted above. Any roommate who does not pay any or all of the amount of rent
listed above shall be liable
to the landlord or to any roommates who pay any amount due for the defaulting
roommate.
Security Deposit
A security deposit has been paid by each roommate in the amount listed above. The
roommates will divide
the refund of the security deposit according to the amount each tenant originally
paid as listed in this
agreement. When a specific roommate is clearly responsible for fees and damages
to the premises
including late fees, repairs and cleaning coststhat roommate will pay full fees and
damages. The
roommates agree to share equally in the cost of all other fees and damages
charged.
Utility Bills
The utility bill will be in ___________________________s name.
The bill will be divided (strike one) evenly/as follows (for example, because one
roommate has an air
conditioner or a personal refrigerator):
_____________________________________________________________________________________
______
Utility late charges will be paid by
_____________________________________________________________
Phone Bills
The phone bill will be in ___________________________s name.
The local phone bill will be divided (strike one) evenly/as follows:
_____________________________________________________________________________________
______
The long distance bill will be divided (strike one) evenly/according to who made the
calls.
Phone late charges will be paid by
_____________________________________________________________
over

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Cable
The apartment (strike one) will/will not have cable.
If there will be cable, the bill will be in ___________________________s name.
If there will be cable, the bill will be divided (strike one) evenly/as follows:
_____________________________________________________________________________________
______
Cable late charges will be paid by
_______________________________________________________________
High Speed Internet Access
The apartment (strike one) will/will not have high speed internet.
If there will be high speed internet, the bill will be in ___________________________s
name.
If there will be high speed internet, the bill will be divided (strike one) evenly/as
follows:
_____________________________________________________________________________________
______
Internet late charges will be paid by
____________________________________________________________
Subletting
Subletting is (strike two) not allowed/allowed/allowed only with permission of all
roommates.
(Sublet agreements are available at the Tenant Resource Center.)
Guests. (Strike any part not applicable.)
Each roommate is responsible for the behavior of his or her guests. Guests shall not
unreasonably disturb
other roommates. Guests must stay in the bedroom of the roommate who invited
them, unless all other
roommates agree that the guest may stay in a shared area. No guest may stay for
more than seven
consectutive days without the permission of all other roommates. New roommates
may move in only with
the written permission of all other roommates and the landlord.
Quiet Hours

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All roommates agree to observe quiet hours for sleep, study and other purposes on
the days and times
listed here. (If none, write None.)
____________________________________________________________
Pets
The following pets are permitted:
_______________________________________________________________
The person responsible for the pets will be
______________________________________________________
Smoking
Smoking in the apartment will be (strike one) allowed/not allowed.
Household Duties. Household duties (take out trash, clean bathroom, etc.) will be
divided as follows:
_____________________________________________________________________________________
______
_____________________________________________________________________________________
______
Other Terms
________________________________________________________________________________
_____________________________________________________________________________________
______
Signatures Date Signatures Date
____________________________________________
___________________________________________
____________________________________________
___________________________________________
____________________________________________
___________________________________________

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