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Unit 10: MATH The Unit Organizer Betchan , Strauss, Gonzales
NAME Betchan , Strauss, Gonzales 4 BIGGER PICTURE DATE Numbers in the Real World 2 LAST UNIT /Experience CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience Statistical Measures and Displays 1 Personal Financial Literacy 7th Grade Math 8 UNIT SCHEDULE 5 UNIT MAP is about... credit scores, credit reports, and ways to pay for college. 6.14EFGH 4/12 Launch Unit/ what bank? /Check register managing my money by features of bank accounts. 6.14A explaining and describing 4/13 Debit vs. Credit 4/17 Credit Reports comparing 4/18 Paying for college 4/19 Compare annual salaries distinguishing balancing 4/20 Review check register (account). 6.14C 4/21 Unit 10 Test between credit and debit cards. 6.14B Vocabulary: Balancing before __ after __ Check register before __ after __ College savings plan before __ after __ Credit card before __ after __ Credit history before __ after __ Credit report before __ after __ Positive credit history before __ after __ Scholarships before __ after __ Student loans before __ after __ Transfer before __ after __ Transaction before __ after __ Withdrawals before __ after __ Work-study before __ after __ Deposits before __ after __ Debit card before __ after __ Grants before __ after __ Interest before __ after __ Lender before __ after __ Negative credit history before __ after __ 1. What does it mean to be a smart consumer when choosing a bank? before ___ after ___ 2. What features do you compare when making your choice? before ___ after ___ 3. Why is it important to keep your checking account in balance? before ___ after ___ 4. If you had to choose between a credit or debit card, which would you choose and why? before ___ after ___ 5. Why is it important to have positive entries on your credit report? before ___ after ___ 6. How do you calculate a person’s lifetime income? before ___ after ___ 7. What are the different options available to pay for college? before ___ after ___ Compare 6 UNIT SELF-TEST QUESTIONS Balance Distinguish RELATIONSHIPS UNIT Explain 7 Rating System: 1, 2, 3, 4 Describe 1
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Unit 10: MATH The Unit Organizer _____________ my money by
NAME 4 BIGGER PICTURE DATE 2 LAST UNIT /Experience 1 CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience STAAR Review 8 UNIT SCHEDULE 5 UNIT MAP is about... _________ scores, _________ reports, and ways to pay for _________. 6.14EFGH Launch Unit _____________ my money by features of _________ accounts. 6.14A __________ register (account). 6.14C between ___________ and________ cards. 6.14B Vocabulary: Balancing before __ after __ Check register before __ after __ College savings plan before __ after __ Credit card before __ after __ Credit history before __ after __ Credit report before __ after __ Positive credit history before __ after __ Scholarships before __ after __ Student loans before __ after __ Transfer before __ after __ Transaction before __ after __ Withdrawals before __ after __ Work-study before __ after __ Deposits before __ after __ Debit card before __ after __ Grants before __ after __ Interest before __ after __ Lender before __ after __ Negative credit history before __ after __ 1. What does it mean to be a smart consumer when choosing a bank? before ___ after ___ 2. What features do you compare when making your choice? before ___ after ___ 3. Why is it important to keep your checking account in balance? before ___ after ___ 4. If you had to choose between a credit or debit card, which would you choose and why? before ___ after ___ 5. Why is it important to have positive entries on your credit report? before ___ after ___ 6. How do you calculate a person’s lifetime income? before ___ after ___ 7. What are the different options available to pay for college? before ___ after ___ 6 UNIT SELF-TEST QUESTIONS RELATIONSHIPS UNIT 7 Rating System: 0, 1, 2, 3 2
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Vocabulary Matching: Vocabulary Matching: Vocabulary Matching:
Personal Financial Literacy is about managing my money by comparing features of bank accounts. Personal Financial Literacy is about managing my money by balancing check register (account). Personal Financial Literacy is about managing my money by distinguishing between credit and debit cards. Personal Financial Literacy is about managing my money by explaining and describing credit scores, credit reports, and ways to pay for college. Maya is comparing the features and cost of a checking account and debit card offered by the financial institutions shown. Franklin Savings Bank Checking Accounts and Debit cards $21 monthly fee for unlimited transactions FREE online and mobile banking Hoover Federal Bank *Up to 18 transactions Each additional transaction costs $0.65 $14 monthly fee for online and mobile banking If Maya uses online and mobile banking and averages 40 transactions a month, which bank should she choose? If Maya uses online and mobile banking and averages 20 transactions a month, which bank should she choose? Explain. Vocabulary Matching: Use the bank of vocabulary words from the front of the UO to help you fill in the blanks below. - The movement or exchange of money is called a ________. - Two types of transactions are _________ and _____________. - When money is moved between accounts, such as from a checking into a savings account, a _____________ occurs. · A written record of all transactions is called a _______________________. To keep a record of all transactions and the final balance in the account is called ____________ a check register. Example 1 Zachary’s initial balance in his checking account is $ on May 1. Balance the check register to determine the final balance in his checking account on May 31. Vocabulary Matching: Use the bank of vocabulary words from the front of the UO to help you fill in the blanks below. - The amount of a purchase made with a _____________ is immediately removed from a linked account. - A purchase made with a _________________ allows a buyer to put off paying for a purchase, but the buyer may have to pay interest. - _______________ is charged for the use of credit or borrowed money, if a balance is not paid off in time. Which of the following statements are true? Select all that apply. A. When a debit card is used, the purchase amount is immediately deducted from a linked account. B. Interest is charged for credit card purchases. C. Some credit cards allow users to borrow cash. D. Debit cards allow users to withdraw cash. E. Using a credit card has no effect on the user’s credit rating. Vocabulary Matching: Use the bank of vocabulary words from the front of the UO to help you fill in the blanks below. - ___________________ is a record of financial performance. - Credit history is reflected in a____________ , which is a summary of your financial history, including whether payments are made on time, how much debt a person has, and whether or not the person has a history of repaying his or her debt. - This report is requested by a_____________ , or someone who loans money, and/or by __________, or someone who borrows money. - A _______________________ is reflected in a high credit score. - A ________________________ is reflected in a low credit score. There are many ways to pay for college. - Set money aside in a____________ ____________________________. - Apply for_____________________, which are borrowed amounts that have to be repaid, usually with interest. Consider options that can help pay for college not requiring repayment. - __________________ are awards from non-profit organizations. - ____________________ are awards for good performance. - _____________________ is a program providing financial aid in return for student labor.
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Unit 10 Personal Financial Literacy (2 weeks):
Supporting: 6.14A- Compare the features and costs of a checking account and a debit card offered by different local financial institutions. 6.14B- Distinguish between debit cards and credit cards. 6.14C- Balance a check register that includes deposits, withdrawals, and transfers. 6.14D- Explain why it is important to establish a positive credit history. 6.14E- Describe the information in a credit report and how long it is retained. 6.14F- Describe the value of credit reports to borrowers and to lenders. 6.14G- Explain various methods to pay for college, including through savings, grants, scholarships, student loans, and work-study. 6.14H- Compare the annual salary of several occupations requiring various levels of post-secondary education or vocational training and calculate the effects of the different annual salaries on lifetime income.
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Unit 10: MATH The Unit Organizer Betchan Personal Financial Literacy
NAME Betchan 4 BIGGER PICTURE DATE Numbers in the Real World 2 LAST UNIT /Experience CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience Statistical Measures and Displays 1 Personal Financial Literacy 7th Grade Math 8 UNIT SCHEDULE 5 UNIT MAP is about... credit scores, credit reports, and ways to pay for college. 6.14EFGH 4/10 Launch Unit managing my money by features of bank accounts. 6.14A explaining and describing 4/11 4/12 comparing 4/13 4/19 distinguishing balancing 4/20 check register (account). 6.14C 4/21 Unit 10 Test between credit and debit cards. 6.14B Vocabulary: Balancing before __ after __ Check register before __ after __ College savings plan before __ after __ Credit card before __ after __ Credit history before __ after __ Credit report before __ after __ Positive credit history before __ after __ Scholarships before __ after __ Student loans before __ after __ Transfer before __ after __ Transaction before __ after __ Withdrawals before __ after __ Work-study before __ after __ Deposits before __ after __ Debit card before __ after __ Grants before __ after __ Interest before __ after __ Lender before __ after __ Negative credit history before __ after __ 1. What does it mean to be a smart consumer when choosing a bank? before ___ after ___ 2. What features do you compare when making your choice? before ___ after ___ 3. Why is it important to keep your checking account in balance? before ___ after ___ 4. If you had to choose between a credit or debit card, which would you choose and why? before ___ after ___ 5. Why is it important to have positive entries on your credit report? before ___ after ___ 6. How do you calculate a person’s lifetime income? before ___ after ___ 7. What are the different options available to pay for college? before ___ after ___ Compare 6 UNIT SELF-TEST QUESTIONS Balance Distinguish RELATIONSHIPS UNIT Explain 7 Rating System: 0, 1, 2, 3 Describe 5
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managing my money by
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features of bank accounts.
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check register (account).
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between credit and debit cards.
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credit scores, credit reports, and ways to pay for college.
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Explaining and Describing
Comparing Balancing Distinguishing Explaining and Describing
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Compare Balance Distinguish Explain Describe
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What does it mean to be a smart consumer when choosing a bank?
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(2) What features do you compare when making your choice?
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(3) Why is it important to keep your checking account in balance?
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(4) If you had to choose between a credit or debit card, which would you choose and why?
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(5) Why is it important to have positive entries on your credit report?
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(6) How do you calculate a person’s lifetime income?
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(7) What are the different options available to pay for college?
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Warm Up: Copy the agenda in your planner and copy the Unit Schedule on your Unit Organizer.
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Let’s launch the Unit 10 Organizer!
This is the last unit of 6th grade material! The unit organizer is used to organize important information and it allows you to see the overall flow of the unit. As we fill this out, I expect you to: ___________ in the class discussion of the parts of the Unit Organizer. ________ the correct information on your Unit Organizer. Keep it and have it in class ___________ so that we can use it throughout the unit.
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Questions How does the Unit Organizer help you?
What is one of the expectations for you as we go through this routine?
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C.R.A.F.T. C- Create a Context Boxes 1-4 on the UO
This section will allow you to see where we have been, what we are currently about to learn, and what we will learn next.
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What is the name of our last unit? (Box 2 on the Unit Organizer.)
Unit 10: MATH NAME 4 BIGGER PICTURE DATE Numbers in the Real World 2 LAST UNIT /Experience CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience Statistical Measures and Displays 1 Personal Financial Literacy STAAR Review 8 UNIT SCHEDULE 5 UNIT MAP What is the name of our last unit? (Box 2 on the Unit Organizer.) What is the name of our current unit? (Box 1 on the Unit Organizer.) What will we be doing in our next unit? (Box 3 on the Unit Organizer.) What is the name of our bigger picture? (Box 4 on the Unit Organizer.) 6 UNIT SELF-TEST QUESTIONS RELATIONSHIPS UNIT 7 25
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Questions Think about the following question: What is one example of how you use numbers in the real world? Now, put your right hand in the air and stand up. Find someone on the opposite side of the room and pair up. Explain your answer to question 1. You have one minute- GO!
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R- Recognize Content Structures
C.R.A.F.T. R- Recognize Content Structures Box 5 on the UO We will create a map to visually organize the major parts of this unit. These are the main ideas to which all of the information in this unit is related. Using the Unit Map, you should have a clear idea of how to organize your work, how to remember what you are learning, and how to check where we are heading next.
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The last main idea of this unit is…
The Unit Organizer Unit 10: MATH NAME 4 BIGGER PICTURE DATE Numbers in the Real World 2 LAST UNIT /Experience 1 CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience Statistical Measures and Displays Personal Financial Literacy STAAR Review The last main idea of this unit is… The second main idea of this unit is… The first main idea of this unit is… The third main idea of this unit is… 8 UNIT SCHEDULE 5 UNIT MAP is about... credit scores, credit reports, and ways to pay for college. 6.14EFGH managing my money by features of bank accounts. 6.14A explaining and describing comparing distinguishing balancing check register (account). 6.14C between credit and debit cards. 6.14B 6 UNIT SELF-TEST QUESTIONS RELATIONSHIPS UNIT 7 28
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R- let’s practice! TURN TO YOUR PARTNER AND DECIDE WHO IS PARTNER 1 AND WHO IS PARTNER 2. PARTNER 1- STAND UP! READ THE FIRST AND SECOND MAIN IDEAS OF THIS UNIT TO PARTNER 2 IN A COMPLETE SENTENCES. PARTNER 1 SIT DOWN AND PARTNER 2- STAND UP! READ THE THIRD AND FOURTH MAIN IDEAS OF THIS UNIT TO PARTNER 2 IN A COMPLETE SENTENCES.
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A- Acknowledge Unit Relationships
C.R.A.F.T. A- Acknowledge Unit Relationships Box 6 on the UO Next we will write on the Unit Organizer the relationships that are going to be important in this unit. By relationship, I mean how information is connected, affect each other, or fit together and what type of thinking you need to do with this information. This will help you as you work through the unit because you will know how to think about the information you are learning.
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The second verb that will guide our thinking in this unit is…
The Unit Organizer Unit 10: MATH NAME 4 BIGGER PICTURE DATE Numbers in the Real World 2 LAST UNIT /Experience /Experience Statistical Measures and Displays 1 CURRENT UNIT CURRENT UNIT 3 NEXT UNIT Personal Financial Literacy STAAR Review 8 UNIT SCHEDULE 5 UNIT MAP is about... credit scores, credit reports, and ways to pay for college. 6.14EFGH managing my money by features of bank accounts. 6.14A explaining and describing comparing distinguishing balancing check register (account). 6.14C between credit and debit cards. 6.14B The second verb that will guide our thinking in this unit is… The last verbs that will guide our thinking in this unit are… The first verb that will guide our thinking in this unit is… The third verb that will guide our thinking in this unit is… Compare 6 UNIT SELF-TEST QUESTIONS Balance Distinguish RELATIONSHIPS UNIT Explain 7 Describe 31
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Questions Partner 1: Think about your answer to the following question: How have we used the verb compare this year in math? 2) Partner 2: Think about your answer to the following question: How have we used the verb balance this year in math? 3) Now, turn to your partner and take turns doing Give One- Get One with your answers.
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F- Frame Unit Questions
C.R.A.F.T. F- Frame Unit Questions Box 7 on the UO We’ll use these questions throughout the unit to help us check our progress and understanding. You can also use them at the end of the unit as a study guide to help you review for the assessment.
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The Unit Organizer Unit 10: MATH NAME 4 BIGGER PICTURE DATE Rate your prior knowledge on the following vocabulary words using a 0, 1, 2, or 3 in the before section. Rate your prior knowledge on the following questions using a 0, 1, 2, or 3 in the before section. Numbers in the Real World 2 LAST UNIT /Experience CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience Statistical Measures and Displays 1 Personal Financial Literacy STAAR Review 8 UNIT SCHEDULE 5 UNIT MAP is about... credit scores, credit reports, and ways to pay for college. 6.14EFGH managing my money by features of bank accounts. 6.14A explaining and describing comparing distinguishing balancing check register (account). 6.14C between credit and debit cards. 6.14B Vocabulary: Balancing before __ after __ Check register before __ after __ College savings plan before __ after __ Credit card before __ after __ Credit history before __ after __ Credit report before __ after __ Positive credit history before __ after __ Scholarships before __ after __ Student loans before __ after __ Transfer before __ after __ Transaction before __ after __ Withdrawals before __ after __ Work-study before __ after __ Deposits before __ after __ Debit card before __ after __ Grants before __ after __ Interest before __ after __ Lender before __ after __ Negative credit history before __ after __ 1. What does it mean to be a smart consumer when choosing a bank? before ___ after ___ 2. What features do you compare when making your choice? before ___ after ___ 3. Why is it important to keep your checking account in balance? before ___ after ___ 4. If you had to choose between a credit or debit card, which would you choose and why? before ___ after ___ 5. Why is it important to have positive entries on your credit report? before ___ after ___ 6. How do you calculate a person’s lifetime income? before ___ after ___ 7. What are the different options available to pay for college? before ___ after ___ Compare 6 UNIT SELF-TEST QUESTIONS Balance Distinguish RELATIONSHIPS UNIT Explain 7 Rating System: 0, 1, 2, 3 Describe 34
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Questions Think about the following question: What is one idea you could tell someone about a vocabulary word or question you were above a 1 on? Now- tell your neighbor your answer.
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C.R.A.F.T. T- Tie Content to Tasks Box 8 on the UO
Finally, I will tell you about the activities, assignments, and assessments that you are going to complete during this unit. We will know what is expected and we will be able to plan our time needed for work.
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Number each item like I did on your Unit Organizer.
The Unit Organizer Unit 10: MATH NAME 4 BIGGER PICTURE DATE Numbers in the Real World 2 LAST UNIT /Experience CURRENT UNIT CURRENT UNIT 3 NEXT UNIT /Experience Statistical Measures and Displays 1 Personal Financial Literacy STAAR Review 8 UNIT SCHEDULE 5 UNIT MAP is about... credit scores, credit reports, and ways to pay for college. 6.14EFGH 4/10 Launch Unit managing my money by 1 features of bank accounts. 6.14A explaining and describing 4/11 Comparing features of bank accounts and balancing checking accounts notes 2 4/12 Balancing checking account practice comparing 3 4/13 Debit cards vs. credit cards Concept Comparison 4 1 4/19 Credit Report FRAME distinguishing 5 balancing 4/20 Ways to Pay for College Question Exploration check register (account). 6.14C 4 & 5 4/21 Unit 10 Test between credit and debit cards. 6.14B 1 & 2 3 Vocabulary: Balancing before __ after __ Check register before __ after __ College savings plan before __ after __ Credit card before __ after __ Credit history before __ after __ Credit report before __ after __ Positive credit history before __ after __ Scholarships before __ after __ Student loans before __ after __ Transfer before __ after __ Transaction before __ after __ Withdrawals before __ after __ Work-study before __ after __ Above is the list of major learning activities we will do for this unit. Number each item like I did on your Unit Organizer. You will now match the number for each activity under the appropriate bubble in the Unit Map. Deposits before __ after __ Debit card before __ after __ Grants before __ after __ Interest before __ after __ Lender before __ after __ Negative credit history before __ after __ 1. What does it mean to be a smart consumer when choosing a bank? before ___ after ___ 2. What features do you compare when making your choice? before ___ after ___ 3. Why is it important to keep your checking account in balance? before ___ after ___ 4. If you had to choose between a credit or debit card, which would you choose and why? before ___ after ___ 5. Why is it important to have positive entries on your credit report? before ___ after ___ 6. How do you calculate a person’s lifetime income? before ___ after ___ 7. What are the different options available to pay for college? before ___ after ___ Compare 6 UNIT SELF-TEST QUESTIONS Balance Distinguish RELATIONSHIPS UNIT Explain 7 Rating System: 0, 1, 2, 3 Describe 37
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Questions When will you be taking the Unit 10 Test?
How many CER will we be doing in this unit? The CERs that we use include Unit Organizer, FRAME, Concept Anchoring, Concept Comparison, and Question Exploration.)
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Vocabulary Matching: Vocabulary Matching: Vocabulary Matching:
Personal Financial Literacy is about managing my money by comparing features of bank accounts. Personal Financial Literacy is about managing my money by balancing check register (account). Personal Financial Literacy is about managing my money by distinguishing between credit and debit cards. Personal Financial Literacy is about managing my money by explaining and describing credit scores, credit reports, and ways to pay for college. Maya is comparing the features and cost of a checking account and debit card offered by the financial institutions shown. Franklin Savings Bank Checking Accounts and Debit cards $21 monthly fee for unlimited transactions FREE online and mobile banking Hoover Federal Bank *Up to 18 transactions Each additional transaction costs $0.65 $14 monthly fee for online and mobile banking If Maya uses online and mobile banking and averages 40 transactions a month, which bank should she choose? If Maya uses online and mobile banking and averages 20 transactions a month, which bank should she choose? Explain. Vocabulary Matching: Use the bank of vocabulary words from the front of the UO to help you fill in the blanks below. - The movement or exchange of money is called a ________. - Two types of transactions are _________ and _____________. - When money is moved between accounts, such as from a checking into a savings account, a _____________ occurs. · A written record of all transactions is called a _______________________. To keep a record of all transactions and the final balance in the account is called ____________ a check register. Example 1 Zachary’s initial balance in his checking account is $ on May 1. Balance the check register to determine the final balance in his checking account on May 31. Vocabulary Matching: Use the bank of vocabulary words from the front of the UO to help you fill in the blanks below. - The amount of a purchase made with a _____________ is immediately removed from a linked account. - A purchase made with a _________________ allows a buyer to put off paying for a purchase, but the buyer may have to pay interest. - _______________ is charged for the use of credit or borrowed money, if a balance is not paid off in time. Which of the following statements are true? Select all that apply. A. When a debit card is used, the purchase amount is immediately deducted from a linked account. B. Interest is charged for credit card purchases. C. Some credit cards allow users to borrow cash. D. Debit cards allow users to withdraw cash. E. Using a credit card has no effect on the user’s credit rating. Vocabulary Matching: Use the bank of vocabulary words from the front of the UO to help you fill in the blanks below. - ___________________ is a record of financial performance. - Credit history is reflected in a____________ , which is a summary of your financial history, including whether payments are made on time, how much debt a person has, and whether or not the person has a history of repaying his or her debt. - This report is requested by a_____________ , or someone who loans money, and/or by __________, or someone who borrows money. - A _______________________ is reflected in a high credit score. - A ________________________ is reflected in a low credit score. There are many ways to pay for college. - Set money aside in a____________ ____________________________. - Apply for_____________________, which are borrowed amounts that have to be repaid, usually with interest. Consider options that can help pay for college not requiring repayment. - __________________ are awards from non-profit organizations. - ____________________ are awards for good performance. - _____________________ is a program providing financial aid in return for student labor.
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Review the Routine How will the UO help you know what you need to do during the unit? What ownership do you have in the creation of the Unit Organizer? HINT: Look on the back… How will the UO improve your learning? What are the advantages of using the Unit Organizer? What will we be doing in our next unit? What is this unit about? What are the 3 major points of this unit? What is one major new concept you will learn by the end of the unit?
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Closure: On the sticky note, write down one new way you are going to use the Unit Organizer to help improve your understanding during this unit.
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