by Beth Kotz
The typical high school curriculum covers a tremendous breadth of information on a wide range of topics, yet personal finance is rarely among them.
Considering many high school students will soon be college students, ready to take on student loans, open bank accounts and learn how credit cards work, perhaps it’s time that money management takes on a more prominent role in high school classes.
If you’d like to incorporate personal finance into your lesson plans, here are seven free resources to help get you started.
Practical Money Skills
It’s no secret that students learn more effectively when they’re excited and engaged with a lesson, and the Practical Money Skills website tries to boost engagement by wrapping its lessons into slick, interactive games that cater to students of all ages. All the basic skills of financial literacy are covered, from simple money management to good debt practices, and the site also features additional educational materials and resources. Grade-appropriate lesson plans are also available for teachers.
The brainchild of Brian Page, a nationally-recognized personal finance and economics teacher from Ohio, FinEdChat is an effort to boost engagement and encourage financial literacy education. The centerpiece of this effort is the FinEdChat blog, which features an abundance of useful information and resources for teachers interested in incorporating financial education into their lesson plans. Page also operates the informative FinEdChat Twitter account, and the “#FinEdChat” hashtag makes it easy to keep track of the latest developments in financial education at the high school level.
Sponsored by the Federal Trade Commission, OnGuardOnline offers a powerful toolkit aimed at educating students on how to protect themselves and their sensitive information online. Students can play games that teach them how to recognize phishing attacks, how to respond to a hacking attempt and how to differentiate between what information is and isn’t safe to share. The site also provides educators with a variety of games, lesson plans and other tools to use in the classroom and share with parents and the community at large.
Few things are more important to a child’s financial future than learning how to create and manage a budget. As an educator, you can use budget simulators to teach the importance of creating a budget, balancing a checkbook and handling other important duties in a fun and engaging way. Budget Challenge offers a comprehensive simulation that accomplishes just that, and it even includes a mobile app so students can stay engaged on the go.
Financial Literacy Month
Created by a group of financial experts at Money Management International, Financial Literacy Month is a 30-day program intended to give people of all ages the tools needed to lead a successful financial life. Although Financial Literacy Month officially begins on April 1, the 30-step program can be incorporated into a curriculum at any time of the year to serve as a roadmap to financial literacy. The initiative also includes an assortment of worksheets, educational materials and even a personalized certificate to keep students motivated.
Finance in the Classroom
Though originally created by the Utah State Board of Education, Finance in the Classroom is a versatile resource for teachers, students and parents across the country. The website provides an assortment of course outlines, activities, lesson plans and other resources for teachers as well as interactive games and other tools for students from kindergarten through grade 12. For teachers in Utah, the platform also includes professional development tools, boot camps and other activities.
Online Personal Finance Games
Surveys have shown that more than 91 percent of children play video games, making games an exceptionally useful platform for reaching students and engaging them directly with their lessons. Personal finance games like those from Commonwealth, Gen i Revolution and Practical Money Skills turn games into powerful teaching tools to educate students on everything from basic accounting and budgeting to investment and retirement savings.
Though an increasing number of states are beginning to require some form of personal finance education at the high school level, many high schoolers still graduate without having obtained the skills necessary to manage their finances. Educators are in a great position to make an impact and teach financial literacy, but they need the tools to do it effectively. The free resources above provide exactly that, offering games, activities, plans and other information that will engage students and leave them far better equipped to handle the world that awaits after graduation.
Beth Kotz is a contributing writer to Credit.com. She specializes in covering financial advice for female entrepreneurs, college students and recent graduates. She earned a BA in Communications and Media from DePaul University in Chicago, Illinois, where she continues to live and work.
For those of a certain age, a box of 64 crayons- the one with the sharpener in the back- represented the apex of childhood happiness. While slogging through days of teaching my 9th graders about Medieval Europe, I’d often long for the carefree days of just coloring away in my Batman activity book as a kid on my grandmother’s back porch. But childish pursuits are behind us and our high school scholars.
Well of course they aren’t.
One school in California is finding the childhood pastime to be a great way to relieve stress in for students, particularly the high-achieving ones. A recent article in School Library Journal detailed Valencia High School’s efforts to reduce student- and staff- anxiety through the simple act of coloring. According to Joy Millam, the school’s teacher librarian, coloring relaxes students because it “requires single-minded focus, while its structure makes it soothing.”
This should remind all of us to take stock of the stress levels of our kids. The demands on them are great, often greater than they let on or than we know. Academics, athletics, extracurriculars, relationships, all of these pile on kids who often lack the coping tools for these burdens. Finding a productive way to help them vent those tensions- whether through coloring or some other activity- could not only help them focus, it could benefit the entire learning environment at your school.
For the whole story on Valencia High School, check out the article here.
About the Author
Kirby Spivey taught AP World History, US History, and numerous other Social Studies courses in Georgia. Mr Spivey currently leads USATestprep’s Social Studies content team. He and his wife live in Atlanta and own several coloring books.
If you’re up against the clock, you may feel as though planning your essay is a waste of time. Surely it’s better just to sit down and get writing? Not so. If you plan an assignment properly, you can remove a lot of the pressure. After all, you’ll have the roadmap to your work laid out in front of you. Here’s 7 tips to help you get the best structure for your assignment.
- Plan your paragraphs
Every paragraph in your essay should have a clear point to it. Write a clear topic sentence for every paragraph you plan to include, and think about how you’re going to describe your ideas. Will you compare and contrast ideas, list sources, or present a solution to the problem?
- Link your paragraphs together
Once you know how your paragraphs are going to read, you need to know how to link them together. You want them to all work together in order to back up your main argument. Look for a theme in your plans so far, as you can use that in your links. Use linking words such as ‘Similarly’, ‘Consequently’, and ‘Outcomes included’ to show you’re about to move onto a new idea.
- Use your word count as a guide
Your word count will be a good indication of how much detail you’re expected to go into. 500 words will be an overview of a topic, 1000 words will want at least one idea fully explored, and 2000 words will need much more dissection of the topic at hand. If you need a hand keeping to your word count, use a tool such as Easy Word Count to keep you on task.
- Keep on top of your grammar
When planning your assignment, you’ll need to make sure that you can get your grammar spot on. Good grammar is the basis of good writing, so it needs to be perfect. If you need help, use a community such as Paper Fellows to help you get it right.
- Make sure you’re citing correctly
In the planning stages, you’ll be bringing all of your research together, so you can start to formulate an argument. Before you do so, make sure you have all of the right citations for your work. If you fail to include them, you could lose marks or even be accused of plagiarism. Make sure that you have the right citations by using a tool such as Cite It In, and you should be fine.
- Get the formatting right
Every university and every professor will have slightly different requirements for formatting, so read your assignment brief to find out what you need to do. This can help inform you of the layout of your essay.
- Use the ‘three parts’ rule
Every good assignment will have a three part structure. There will be an introduction, the main body of your argument, and the conclusion. Essentially you’re telling the reader what you’re about to say, then you’re saying what you have to say, and then you’re reiterating what you said. If you have these three parts, you can be sure that you’re covering all the main points.
If you follow these tips, you can get an excellent essay plan written. Then, all you have to do is follow it to get the best essay written. A good plan can save a lot of stress and hassle when you’re writing, so give it a try.
Mary Walton is an online tutor and proofreader from Santa Monica. She lived in Australia for 10 years and gained her degree in creative writing at the University of Melbourne. She’s worked with people of all ages as they’ve made their way through their educational careers, from starting to school to graduating from university. Mary blogs on SimpleGrad.
After an in-depth process of research, evaluation of resources, critical thinking, planning, and writing, you come down to a final product that’s called a research paper. This is not a simple extended essay. It’s a much more complex assignment that requires a lot of time and effort to complete.
When students face this type of assignment, it’s only natural for them to feel anxious about completing it. The best way to beat that anxiety is to have a rock-solid plan that will take you to a successful result. When you’re taking actionable steps towards tangible goals, the research paper challenge seems possible to tackle.
Remember: learning how to write research papers in high school will make your life as a college student much easier. You’ll be writing plenty of research papers if you plan to go to college.
We’ll give you a detailed guide of 10 steps to take towards the completion of an argumentative research paper.
- Be Mentally Prepared
Before you start writing this paper, you need to work on your mindset. The research paper is a huge challenge. However, your teacher already covered the topic in general and you do have a foundation of knowledge. You’ll only need to locate relevant information, come up with a thesis statement, and express your arguments in the paper. You can do it!
- Define the Purpose of Your Research Paper
Your teacher gave you guidelines or a research paper question. Now, you need to define your point of view, which you’ll translate in a thesis statement. The guidelines are usually general, so you’ll have to narrow them down.
- Even the most boring topics can be approached from an unusual angle. Find a point that interests you and use it as the foundation of that assignment. If, for example, the general instruction is to write a research paper on global warming, you can pick a narrow theme: how it affects rainforests or an animal you love.
- By the end of this step, you should come up with a thesis statement. It doesn’t have to be perfect, but you should have it as the foundation of every following step.
- Collect Sources
Now, it’s time for the hard work: the research process. You can use only reliable information from books, journal articles, interviews, encyclopedias, and authoritative web pages.
- If you really want to impress your teacher, you should use books. Visit the school library!
- Use Google Scholar to find resources you can use.
- You don’t have to read them all at this point. Just briefly examine them to see if they are relevant to your topic. At the end of this stage, pick at least five sources that you’ll explore in details and you’ll use in the research paper.
- Read, Categorize, and Document the Information
Read them! Take notes on how you plan to use the information from those sources in your paper. How do they support or defy your point of view? Make sure to note down where each idea is coming from.
- Write an Outline with Proper Structure
An outline will keep the discussion organized around the main thesis statement.
- Organize the outline according to your teacher’s instructions. The paper should have an introduction, body, and conclusion.
- Plan what you’ll write in each section of the paper.
- Start Writing the Body Paragraphs
You might think that the introduction is the best place to start, but that’s not true. It’s recommended to start with the body of the research paper. At this point, you have a thesis statement, but you can manipulate it as your ideas progress.
- Start with the body paragraphs and follow the outline, but don’t be afraid to alter it along the way.
- Make clear points and support them with evidence from your sources.
- Write the Conclusion
Now that you’ve exposed your arguments and supported them with evidence, it’s time for the conclusion. This should be a brief summary of your findings. The reader should have a complete impression. Don’t introduce any new ideas here.
- Write the Introduction
Read through your paper. How would you introduce it to someone in few sentences? This is exactly why we positioned the introduction as the 8th step of this guide. Now, you can introduce your arguments in a believable way that gets the attention of your reader.
- Write and Format the Bibliography
It’s important to reference all sources you used. If your teacher didn’t give instructions on proper referencing, you can find and follow the guidelines for APA, MLA, or Chicago styles. Choose the one that’s suitable for the topic’s area of study.
- Edit the Paper
Congratulations! You have your first draft. Now, it’s time to polish it out. Read it thoroughly and improve the logical flow. Don’t hold back to get rid of some parts if they are not necessary. If you feel like you need to add more information, do it at this stage.
Finally, you’ll do a final proofreading and your research paper will be ready to go.
Research paper writing seems easy when you read about it, right? In practice, it’s a complex process that requires full focus. That’s why it’s important to practice and start early. Start today!
Chris Richardson is an editor and a blogger. He is passionate about writing, traveling, and photography. Chris loves to meet new people and talk about modern education and technologies. Read another article by Chris about using technology in the classroom. Follow him on Facebook and Google+.
As of today:
- Benchmark answer keys will have the correct answers bolded and italicized (in some browsers).
- The following changes have been made to your “Assignments” tab:
- Group assignments won’t load until you click to expand.
- Ability to hide the filter
- If a filter is set, the Filter Assignments link is formatted.
- No more “Grades” button; now all buttons say “Results”
- Settings modal will show if a student has taken an assignment — and if so, they cannot be removed from the assignment.
- Edit button grays out for a group assignment if there are results.
- Completed column does not update in real time (every 15 minutes), so there’s a refresh icon to instantly retrieve results.
Well, it’s about that time again: more tests, more stress. Though we can neither prevent the tests nor keep students from fretting over them, we can attempt to reduce some of the stress the tests induce. What follows is some advice we’ve given to our own students, and have attempted to heed in our own lives. Feel free to pass this on down the line.
– Don’t cram. Just hearing the word “cram” conjures painful images that can be counter-productive. Instead, encourage students to review plenty in the days and weeks before the test. Of course, even the most-urged advice may not find purchase with your flock. We can try, though.
– Enter Sandman. While sleeping during the examination period is poor pedagogical ploy, it is imperative for students to get their 8 (or more) hours the night before. Additionally…
– Get moving. Students need to blow off some steam during testing time, so they should get some exercise. Not only is this good for their bodies, but studies show that it can help jog their memory too (pun intended).
– Food, glorious food. Students should eat a good breakfast and drink plenty of water before their tests. Avoiding sugary, high carb foods is good, and focusing on choices packed with protein is even better.
– Water, please. Hydrate in the days leading up to testing, not just the day of or the day before.
– Don’t get the jitters. Just like teachers, many students have massive infusions of caffeine each day. But they should avoid having too much of it on test day. Having the caffeine jitters can distract their focus and lead to a poorer performance than they normally would experience. Speaking of which…
– First door on the left. Be sure to remind them to hit the bathroom before the test. ‘Nuff said.
– Dress in layers. Ok, not the MOST important tip, but it often seems that testing sites might double as meat lockers. If students have a sweater to put on- or a t-shirt to pare down should it actually be warm- they can help regulate their body temperature and focus more on the test.
– What’s the point? Be sure they bring plenty of writing implements. Two sharpened pencils and two pens? That should do, but have a few others just to be safe. After all, minds aren’t the only things that get dull or dry up over the course of a test.
Clearly, there are more tips, but applying these can help calm more pre-test nerves (for both of you).
About the Author
Kirby Spivey taught AP World History, US History, and many other Social Studies courses in Georgia. He and his wife live in Atlanta, GA. Both he and his wife still have nightmares about being unprepared for final exams.
Guest contributor, Erica Badino, is a writer on a quest to share her knowledge and experiences with students.
Essay writing is something students either struggle with, or shrug off like it’s nothing. I was fortunate to have the writer genes needed to get me through these academic milestones, but for those who aren’t born to be writers, these can be a cause of serious stress.
The stress doubles when the student is taking a timed test like the ACT or SAT that requires them to finish the essay in a certain amount of time. Fortunately, with proper practice and skills, students can learn how to write essays faster than ever before. Join us as we look at three tips for speeding up your essay writing.
3 Ways to Crank Up Your Essay Writing Speed
The secret to quickly written essays isn’t anything in particular, it’s a network of different practices and skills. It’s all about putting a plan together, practicing, and staying focused. Here are three ways to make that happen:
1. Put Together an Outline
Having an outline is key if you want to write faster. Going in without a plan will leave you open for writer’s block and dips in your productivity. I typically do all of my research and planning before a single word hits the page. This helps me gather my thoughts and establish a baseline for my topic.
Usually I focus on the points I want to make and write them down in sequential order. From there, I start with an introduction and then, if need be, jot down notes for each point on what topics I want to get into.
2. Practice Within Time Limits
Many essays are done within a limit. This is especially true of tests like the SAT and ACT. Writing under pressure isn’t easy, but if you can train yourself to do it, you’ll feel much more prepared for the big day.
The key is to not give yourself any extra time, and to work with a prompt you haven’t seen before. Recreate the exact situation that the test will take place in, and you’ll give yourself the proper tools and habits to adapt to the situation when it’s time to write.
3. Find Your Focus
Staying focused is far easier said than done. Consider these tips for keeping your focus intact while writing papers:
- Accept distractions, and meet them head on
- Stay where you are (in a test you don’t have a choice)
- Practice in silence
- Reward yourself when you hit certain goals
- Take a break every 45-minutes
- Edit when you’re finished writing, not during
- Leave a note for yourself to come back later if you get stuck on a spot
These tips will help you better stay in the moment and avoid things that will hamper your progress and ultimately slow you down. Sometimes it’s okay to come back to something later, or leave the editing for the final read through.
Writing faster is hard to imagine when you feel like you’re doing the best you can. These tips will help you make the most of your time and ultimately write faster without trying. Learning how to harness the tools you have in front of you is the secret to success.
How do you write faster? Let us know in the comments!
Where can I find overall school usage data?
On your home page, click on the “Account Information” link located just to the right of your avatar. You can even compare the below usage stats to last school year’s.
- Activation codes
- Total school logins
- Teacher and student login counts
- Completed activity counts (tests, games, videos, and practice activities) for all content areas combinded
- Usage by test
- Subscription details and renewal dates
Thank you to the 321 teachers who took our “Print Resources” survey last month. You told us your favorite print resource is our Quizzes. You also told us you like our Class Activities.
Are you using USATestprep’s Class Activities or Quizzes in your classroom? What about our Puzzles and Flashcards? All of these standards-aligned resources are included with your school’s USATestprep subscription and can save you big when it comes to planning time. Give them a try in March!
What’s the old way?
Previously, a teacher could edit assignment settings here (multiple attempts, minimum score, retry missed items) at any time, even after students started completing the assignment.
Why was it a problem?
That functionality was plagued by bugs, not to mention some confusion — were all students affected or only students who haven’t completed the assignment yet? What if the student has one attempt left and the settings are changed?
On top of that, it made troubleshooting much more difficult because what if the teacher changed the settings after the student finished the assignment? We didn’t keep track of those changes, so there was no way to be certain of the settings at the time when a student completed an assignment.
What’s the change?
We have removed those three settings from the Settings modal. So, here are the two main changes:
- If teachers want to change those settings, they must use the Edit button — but wait…can’t teachers only edit an assignment before any students have completed it?
- That is change #2. Teachers can only edit those three settings if NO students have completed it yet. That way, we can ensure that all students have the exact same settings.
Where can teachers view their settings?
To view the settings for a specific assignment, click on the assignment title. We’ve added the selected settings in those details as a reference.