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YOUNG ADULT Student Workbook

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Young adult classroom worksheets:

WorksheetsEdit

Table of contents:

Name Table Tent 2
......................................................

Unit 1 : basics of banking
Make Your Budget 3

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Unit 2 : checking & savings
Checks 4
Check Registers 5
Withdrawl/Deposit Ticket 6
Savings Deposit Tickets 7
......................................................
Unit 3 : power of credit
Give Me Some Credit 8
Taking An Interest 9

......................................................

Unit 4 : basic investments
Stock Market Literacy! 10
Invest with the Best 11
Invest with the Best Cards 12



Create a table tent for your name by tearing this sheet out and folding along the dotted lines. Write your name in big, clear letters and place at the front of your desk. ...........................................................................................................................................................................................

name:Edit

...........................................................................................................................................................................................


Unit 1 : basics of bankingEdit

nameEdit

......................................................

Make your budgetEdit

You are an 18-year-old high school graduate who makes about $15,000.00 dollars per year working as a cashier at Stop &Shop. Make your money work for you below. Figure out which bills you need to pay and which bills can be eliminated. You must find ways to save money in order to make your budget work for you. If you eliminate any of the expenses below, you have to give an alternative for it.

Figure out how much money you make per month.

......................................................................

Figure out what your expenses total is per month.

........................................................................



expenses: Rent $1000.00 per month
Food bill $200.00 per month
Bills (heat, electricity, water) $200.00 per month
Cell phone $50.00 per month
Car payment $150.00 per month
Car insurance $75.00 per month
Entertainment $150.00 per month
(out to dinner, movies)
Clothes $200.00 per month
Gym membership $50.00 per month
Miscellaneous $50.00 per month


Dignity 5 check9


name unit 2 : checking & savings

......................................................

Once you receive instructions, fill out these sample checks.

checksEdit

Dignity 5 check2


Dignity 5 check2


name unit 2 : checking & savings

........................................................
Once you receive instructions, fill out these sample check registers.

Check registers

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name unit 2 : checking & savings

........................................................
Once you receive instructions, fill out this sample withdrawal/deposit ticket.

check withdrawal/deposit ticket


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Dignity 5 check4


name unit 2 : checking & savings

.....................................................
Once you receive instructions, fill out these sample deposit tickets.

savings deposit tickets


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name unit 3 : power of credit

....................................................

Give me some credit!

Y18 r7

1. Mark each of the following statements True (T) or False (F).
Gabe and Joy answered the first statement, but they need your help!

  • Your credit rating will be better if you pay your bills on time.
  • If it takes you longer to pay your credit card bill, you will have to pay more money back.
  • It’s smart to always charge items on your credit bill.
  • An emergency is a good time to use a credit card.
  • Once you get a credit card, you should buy anything you want
  • The credit company looks at how much money you make when deciding what your credit limit will be.
  • Your credit limit is the amount of money you are allowed to charge every month on your credit card bill.
  • If you don’t pay your credit card bill, you can still charge however much money you want on your credit card.

2. You’re thinking about charging a sofa to your credit card. It will take one year to
pay back the sofa. If the sofa costs $850.00, and your APR interest is 17%, how much
will the couch cost after you pay back the credit card, including interest?

3. Your dad is thinking about putting this painting on his credit card. He’s decided
that it will take him 1 year to pay the credit card bill. The painting is $2500.00.
The APR interest is 15%. If it takes him 1 year to pay it back, how much will the
painting cost in all?


4. Would you charge items to a credit card if it means you will pay back more
money than the item you bought is worth? Why or why not?


unit 3 : power of credit name
....................................

taking an interestEdit

1. Your family is going to buy a new car. The car costs $22,550.00. Your family is going to take out a car loan from the bank. The interest rate is 6%, and it will take your family 5 years to pay off the car. How much will the interest cost on the car?

2. How much will the car cost in all (interest + cost of car)?

3. Your cousin’s family has a home loan for their house. The house costs $528,000. Their interest rate is 5%. It will take your cousin’s family 30 years to pay off the loan. How much interest will they pay over 30 years?

4. How much will the house cost in all (interest + cost of house)?


you can make your calculations here:


unit 4 : basic investments name

....................................................

stock market literacy! Dignity 5 check10


circle the correct answer

1. Suppose that you bought a share when it was low. You paid $25.00 for it and now it’s selling at $130.00 a share so, of course, you want to sell. What is the amount of your capital gains?
a. $105.00 b. $95.00 c. $5.00 d. $32.00
2. Suppose you bought ten of these shares for $25.00 each. How much did you pay for the ten shares?
a. $200.00 b. $250.00 c. $25.00 d. $2500.00
3. If your capital gains were $105.00 on each share, what are your capital gains on 10 shares?
a. $205.00 b. $105.00 c. $1050.00 d. $2500.00

make your calculations below:



' 'unit 4 : basic investments

name
....................................

invest with the bestEdit

Your grandfather has given you $5,000 to invest for college. It’s up to you to invest this money wisely! You’ve decided that you want to invest in a lot of different types of investments, including savings accounts, CDs , money market accounts, mutual funds, and stocks. In order to prove to your grandfather that you’re a wise investor, you must come up with the most profitable way to invest your money over a 12 week period.

As a group on how much of the $5,000 should be invested in each of the following:

Savings accounts

CD

Mutual fund (including number of shares in total)

Stock (including number of shares in total)

Your CD earned 10% interest on the total amount invested. How much money do you have now?
Your stock went up by $1.00 a share. How much money did you earn in total?
Your savings account earned 5% interest on the total amount that you saved. How much money did you earn in total?
Your mutual fund gained an average of $1.00 a share! How much money did you earn in total?
Your CD earned 5% interest on the total amount invested. How much money do you have now?
Your stock just went up by $2.00 a share!
Calculate how much money you made.
Uh oh! Your mutual fund lost $.50 a share in total. How much money did you lose?
Your savings account earned 2% interest on the
total amount saved. How much do you have now?


invest with the best cards
Edit

Cut the following cards out of their guide and shuffle them into a pile, with cards facing down.Edit

Dignity 5 check11

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