APPENDIX I

Materials in Support of Recommendation One:

Recommendation on methods, materials, procedures, and in-service training of teachers relating to principles of economics and personal finance.

 

 

If Missouri students are to achieve the level of economic and personal financial literacy outlined in earlier segments of this report, teachers must have the content knowledge and pedagogical skills needed to deliver this content in the classroom.  Armed with the necessary knowledge and skills, a teacher has the ability to teach content and reinforce that content as opportunities arise during the school day.  Year after year, teachers with expertise in economic education can provide students with a strong foundation of economics and personal-financial life skills.  It is imperative that Missouri teachers receive high-quality, professional development in economic and personal finance education.  Such professional development must include expert instruction in content and best practices in pedagogy. 

There are many options for providing high-quality, professional development programs in economic and personal finance.  Programs may be offered after school, on Saturdays or during a school’s regularly scheduled staff development time.  It is possible to offer continuing education credit, college credit, district professional development credit, and non-credit programs.   Some broad program categories are outlined below.

 

A curriculum or content specific workshop affords an opportunity to introduce teachers to a particular curriculum package or topic by teaching economic or personal finance content included in the curriculum and demonstrating activities from the curriculum.  For example, a workshop on international trade would introduce economic content, such as imports, exports, barriers to trade, and comparative advantage and feature lessons and activities for teaching this content.  A workshop on personal finance for young children might include the basics of spending and saving that are used in children’s literature during reading and listening periods. 

A grade-level specific workshop focuses on acquainting teachers with various materials available for introducing economic or personal finance content at specific grade levels.  For example, a workshop designed for teachers of grades 3-5 might feature lessons and activities from Economics and Children’s Literature, Steps to Financial Fitness, and Strategies for Teaching Economics, Grades 3-5.   

A course can be designed for a specific range of grade levels.  For example, Economics for the Elementary Classroom is a basic economics course for teachers of grades K-8.  The course includes economic content as well as strategies and lesson demonstrations.  The textbook and materials for the course are chosen based on the grade-level focus.

A course can be designed to address a specific topic.  For example, The Economics of Sports is a course designed to help teachers understand the economic content related to professional sports and to apply economic reasoning in analyzing policies and issues related to the topic.  The textbook and materials for the course are chosen based on the topic.  A personal finance topic course could be offered on investing in the stock market. 

A course can be designed to integrate economics with a particular school subject area.  For example, it might be appropriate to offer Economics and Mathematics for Middle School.  This course would introduce appropriate economic content and provide strategies for teaching this content in a middle-school mathematics class. 

Whether the program is credit or non-credit, lasts for a week or a day, there are certain elements that must be present in a high-quality, professional development program for economics and personal finance.  When teachers are interviewed regarding experiences in economic education programs, several important ideas emerge.  Teachers indicate that a successful experience provides a feeling of time well spent, a desire to implement economics in their classrooms, and the desire to return to future workshops conducted by the presenter.  Listed below are essential elements that should be included in a successful program.

Personnel from Centers for Economic Education, faculty from departments of economics and schools of business at colleges and universities, university extension specialists, and economists from Federal Reserve Banks have the content expertise that is required.   

Program content need not be limited to content addressed by the Missouri standard and benchmarks.  However, content included in the benchmarks will be meaningful to teachers because they will be required to teach it.  Teachers will feel that they have learned something that will benefit them and their students.   

Teaching an economics workshop or course for practicing teachers is different from a college class.  In programs for teachers, a few concepts must be selected on which to focus in each program session.  These concepts must be taught well so teachers will return to the classroom with the knowledge and instructional materials to teach the correct economics and personal finance.   

Objectives provide participants with a road map for the program, providing specific information about what teachers will know and be able to do after the professional development experience.

Workshops and courses should not be all lecture or all simulations and activities.  Programs should include a mix of lecture, group activity, lesson demonstration, simulation, and discussion.  This mix will address various learning-style preferences of those in the program.  In addition, it provides a model that teachers might replicate in their classrooms.   

Hands-on activities will enhance teacher understanding of the content taught in the course.  In addition, teachers are more likely to use lessons in their classrooms if they have participated in the lessons.

Having participated in lessons and activities, teachers will want to use these materials in their classrooms.  It is frustrating if the materials aren’t readily available.  Distribute copies of the materials used in the program. 

Comfortable chairs, tables, or desks, appropriate temperature, good lighting, working technology, and adequate space contribute to the success of any program.  If possible, provide refreshments. 

The following pages contain suggestions for program topics.  Each entry includes a brief description of the unit or program, grade levels for which the unit or program is most appropriate, suggested time for professional development, availability of training and curriculum, and benchmarks each program addresses. These are programs with which the authors are most familiar and are able to recommend. 

The following list of references to research materials related to various topics in teacher training at selected school levels has been prepared by Dr. William Walstad, the leading researcher in the United States on economic education.  Dr. Walstad’s biographic information appears in Appendix D.

 

References

1. Allgood, Sam and William B. Walstad.  1999.  “The Longitudinal Effects of Economic Education on Teachers and Their Students,” Journal of Economic Education, 30:2, pp. 99-111. 

2.  Becker, William E. Greene, William. and Rosen, Sherwin.  1990.  Research on High School Economic Education,  Journal of Economic Education, 21:3, pp. 231-245.  [Entire issue devoted to research studies on high school economic education.  Nine research articles by K. Beron; W. Bosshardt and W. Watts; J. Lopus; G. Lynch; P. Grimes and C Register; J. Lillydahl; G. Bredeveld and J. Joeng; A. Diamond and J. Medewitz; and A. Myatt and C. Waddell.] 

3. Bosshardt, William and Michael Watts.  1990.  “Instructor Effects and Their Determinants in Precollege Economic Education,” Journal of Economic Education, 21:3, pp. 265-76.  [see also their 1994 article "Instructor Effects in  Economics in Elementary and Junior High Schools,   Journal of Economic Education, 25:3, 195-211.] 

4.  Lopus, J.   1997.  "Effects of the High School Economics Curriculum on Learning in College Principles Courses", Journal of Economic Education, 28:2, pp. 143-154. 

5.  Sosin, K, Dick, J. and Reiser, M.L.  1997.  "Determinants of Achievement of Economics Concepts by Elementary School Students," Journal of Economic Education, 28:2, pp. 100-121. 

6.  Walstad, William B. and Soper, John C., eds. 1991.  Effective Economic Education in the Schools.  Washington, DC:  National Education Association and National Council on Economic Education. 

7.  Walstad, William B.  2001.  “Economic Education in U.S. High Schools,” Journal of Economic Perspectives, 15:3, pp. 195-210. 

8. Economic and financial literacy articles in Region Magazine, a publication of the Federal Reserve Bank of Minneapolis (articles in 1998, 1999, and 2002).

  1. "You Can't Always Get What You Want:  A Special Issue on Economic Literacy," Federal Reserve Bank of Minneapolis, 12:4 (December 1998), pp. 2-71.
  2. “A Report on the Economic Literacy Symposium,” 13:2 (June 1998), pp. 3-23.
  3. “Economic Literacy:  Conference Reports” 16:3 (September 2002), pp. 16-23.

Professional Development Programs in Economic Education 

Each curricular source is coded with a letter that can be linked to a publisher at the end of this table. 

Title

K

1

2

3

4

5

6

7

8

9

10

11

12

Ourselves®

X

 

 

 

 

 

 

 

 

 

 

 

 

Ourselves® is a series of five activities recommended for students in kindergarten. The average time for each activity is 30 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 30 students.  This curriculum addresses economics benchmarks.  Curriculum source CC.

Here’s the Scoop Follow an Ice Cream Cone Around the World

X

X

X

 

 

 

 

 

 

 

 

 

 

HERE'S THE SCOOP helps children learn that everything costs money. They see how they are economically connected to people around the world through specialization and trade. Children compare prices and create commercials. They learn that choices involve both costs and benefits. Learning activities have a strong mathematics orientation.  Curriculum source N.

Infusing Personal Finance into Grades K-2 Language Arts Classes

X

X

X

 

 

 

 

 

 

 

 

 

 

Four lessons infusing personal finance into Grades K-2 Language Arts classes. A lesson in: 1) Income, 2) Money Management, 3) Spending & Credit, and 4) Saving & Investing. Each lesson includes personal finance terms, standards correlations, student objectives, activities, assessment, glossary, and lists of trade books and websites. Student workbook.  Curriculum source M.

Infusing Personal Finance into Grades K-2 Math Classes

X

X

X

 

 

 

 

 

 

 

 

 

 

Four lessons infusing personal finance into Grades K-2 Math classes. A lesson in: 1) Income, 2) Money Management, 3) Spending & Credit, and 4) Saving & Investing. Each lesson includes personal finance terms, standards correlations, student objectives, activities, assessment, glossary, and lists of trade books and websites. Student workbook.  Curriculum source M.

Teaching Strategies K-2

X

X

X

 

 

 

 

 

 

 

 

 

 

This is a set of twenty-five lessons written for use in the primary grades.  The lessons include many hands-on activities, learning-center suggestions, and bulletin board ideas.  Two- to four-hour after-school workshops would be appropriate.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 2.1, 3.5, and 4.1.

Financial Fitness for Life, K-2:  Pocket Power

 

X

 

X

 

X

 

 

 

 

 

 

 

 

 

 

This unit contains 16 creative lessons that focus on the value of education, the benefits of saving, how advertising affects spending, what credit means and how to manage money.  There’s a teacher’s guide, student storybook, and a parent’s guide.  A minimum of fours of training is required.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.3, 2.4, 3.1, 3.3, 3.6, 3.7, 4.1, 4.5, 4.7, 4.8, 5.1, 5.3, and 5.4.

Learning to Save

X

X

X

 

 

 

 

 

 

 

 

 

 

Can two little piggy banks teach kids how to save and share? Yes. Learning To Save is an award-winning video that helps young children (ages 4 - 8) begin to learn about money in a fun-filled format. (While some copies of the video say "private home use only", producers explain that the professional educator video for $19.95 may be used in classrooms and other educational settings.)  Curriculum source O.

BUCKAROO Says Be Money Wise

X

X

X

 

 

 

 

 

 

 

 

 

 

The story helps young children begin to learn about money and involves them in a coloring activity. The children can learn to identify various coins and bills, to explain how money can be used, and where money comes from.  Curriculum source L.

Economics and Children’s Literature, Supplement 3

X

X

X

 

 

 

 

 

 

 

 

 

 

This is a set of fifteen lessons designed to teach economics using children’s trade books.  The lessons are sequential but may be used independently.  These lessons offer many hands-on strategies and activities.  Two- to four-hour after-school workshops would be appropriate.  Curriculum source I.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.1, 2.2, 2.3, 3.1, 3.4, 3.5, 4.1, 4.3, 4.5, and 4.6.  

Personal Finance and Children’s Literature

 

X

 

X

 

X

 

X

 

 

 

 

 

 

 

 

 

This is a set of fifteen lessons designed to teach personal finance content through children’s trade books.  In addition each lesson includes the application of basic mathematics skills, such as counting, addition, subtraction, and graphing.  Two- to four-hour after-school workshops would be appropriate.  Curriculum source I.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 2.3, 2.4, and 3.1. 

Show-Me Economics, K-4

X

X

X

X

X

 

 

 

 

 

 

 

 

Packet of materials sampling a variety of resources demonstrating classroom economic education activities for the elementary classroom.  All materials are cross-tabulated with the Missouri Show Me Standards.  The lessons address economics benchmarks.  Curriculum source A.

 

Money on the Bookshelf

 

X

 

X

 

X

 

X

 

X

 

X

 

 

 

 

 

 

 

Helping parents and their children ages 4 through 10 learn to talk about money is the goal of Money on the Bookshelf. Since the curriculum is built around twelve children’s books about money, it also gives parents an opportunity to play a role in the literacy development of their children.  Curriculum source O.  This curriculum addresses personal finance concepts.

Simple Money Concepts for Young Children

X

X

X

X

X

X

 

 

 

 

 

 

 

Four teaching units are What is Money (4-5 years), Magic Money Machine (6-7 years), How Credit Cards Work (8-9 years), and Life of A Check (10-11 years). Includes teaching Guide, props, and student activity sheets.  The units address personal finance benchmarks.  Curriculum source R.

Money Savvy Kids

X

X

X

X

X

X

 

 

 

 

 

 

 

Money Savvy Kids curriculum and consumable materials teach K-5 kids the skills of basic personal finance. Topics include the history of money, earning, saving, spending, donating and investing money. The Money Savvy Pig bank is part of the curriculum. Materials include instructor manual, overhead transparency images and the Money Savvy Kid song on CD-ROM, and student activity workbooks. The Licensing Agreement requires the purchase of one set of instructor materials per classroom and one set of student consumables per student. Each time the course is taught, additional student materials must be purchased for each student.  This curriculum addresses the personal finance benchmarks.  Curriculum source P.

Children and Money Teaching Guides

X

X

X

X

X

X

X

 

 

 

 

 

 

Five elementary teaching units introduce basic money management, consumers and producers, money decisions, counting, earning and saving money.  Curriculum source M.

Economics for the Elementary Classroom

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

 

 

 

 

 

 

This three-credit-hour, graduate-level course is offered at the University of Missouri-St. Louis.  The course addresses the economics content appropriate for a K-8 classroom.  In addition to content, a variety of strategies for integrating economics into the curriculum are demonstrated.   A textbook, Economics for the Elementary Classroom is available, curriculum source E.  The lessons address benchmarks K.1, K.2, K.3, 1.1, 1.2, 2.1, 2.2, 2.4, 3.1, 3.2, 3.4, 3.5, 4.1, 4.2, 4.3, 4.5, 4.6, 4.7, 4.8, 5.1, 5.2, 5.3, 5.4, 5.5, 5.6, 6.1, 6.2, 6.3, 7.4, 7.5, 8.1, 8.2, 8.3, 8.4, 8.6, 9-11.1, 9-11.2, 9-11.3, 9-11.4, 9-11.5, 9-11.6, 9-11.11, 9-11.12, 9-11.16, and 9-11.18.

Money:  Kids & Cash

X

X

X

X

X

X

X

X

X

 

 

 

 

Ten video segments provide elementary school children with a basic understanding of money and banking. The teaching guide provides interdisciplinary discussion questions, classroom/home/parent activities, suggested readings and community resources.  The video and teaching guide addresses personal finance benchmarks.  Curriculum source Q.

Practical Money Skills for Life

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

 

X

PRACTICAL MONEY SKILLS FOR LIFE is a free, online classroom resource for educators and parents. The web site offers classroom materials, quizzes, an interactive video and online calculators. The resource is designed to help teachers and parents incorporate money management skills into student learning at various grade levels.  Curriculum source UU.  A web source for personal finance concepts.

Great Economics Mysteries Book: A guide to teaching economic reasoning K-12.

X

X

X

X

X

X

X

X

X

X

X

X

X

Contains interactive activities requiring students to solve economic mysteries using clues provided and reference to a logical system of reasoning that applies basic principles of economics. The activities address economics benchmarks.  Curriculum source A.

Annual Teacher Workshop at the Federal Reserve Bank of St. Louis

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

 

 

X

The topic for this conference is different each year.  Economists from the St. Louis Federal Reserve Bank address the economic content related to the topic.  Personnel from the UM-St. Louis Center and the Center at SIU-Edwardsville provide teaching strategies related to the content.  Curriculum source J.

Teach Children to Save Resource Kit

X

X

X

X

X

X

X

X

X

X

X

X

X

This K-12 resource kit helps teach basic saving and money management concepts using age-appropriate lessons and activities. Materials are geared to national curriculum standards in personal finance, math, English, family and consumer science. Lessons are designed to help young learners understand the concept of saving. Upper-grade learners consider saving for financial goals as they budget living expenses and explore starting a business.  This curriculum addresses the personal finance benchmarks.  Curriculum source Q.

Our Families®

 

X

 

 

 

 

 

 

 

 

 

 

 

Our Families® is a series of five activities recommended for students in grade 1. The average time for each activity is 30 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 30 students.  This curriculum addresses economics benchmarks.  Curriculum source Z.

Do a Zoo

 

X

X

 

 

 

 

 

 

 

 

 

 

This is an integrated curriculum unit.  Students use stuffed animals to learn about animals and about economics.  The final project is to develop a zoo in which the stuffed animals are displayed and invite others to visit the new zoo.   A minimum of five hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.1, 3.1, 3.5, 4.1, and 5.2.  

The Gingerbread Man

 

X

X

 

 

 

 

 

 

 

 

 

 

This is an integrated, thematic approach to economic instruction for late first grade/early second grade.  Using “The Gingerbread Man” folktale as a theme, the unit provides 15 days of instruction.  The activities for each day introduce content in economics, social studies, mathematics, language arts, and science while developing higher-order thinking skills and social skills.  A minimum of five hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.1, 2.2, 3.1, 3.2, 3.5, 4.1, 4.3, 4.5, 4.6, and 5.3.

Econ & Me

 

X

X

X

 

 

 

 

 

 

 

 

 

This is a video program that includes five 15-minute videos and a teacher’s guide.  The series stars 4 children and their invisible friend, who helps them solve real-life economics problems.  The teacher’s guide includes video program summaries, discussion questions and supplemental activities.  A minimum of three hours of training is required.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 3.1, 2.1, 3.5, 4.1, 5.1, 5.2, 5.6, 6.1, and 6.2.

Economics and Children’s Literature

 

 

 

X

 

X

 

X

 

X

 

X

 

X

 

 

 

 

 

 

There are three units in this series.  The first unit contains forty-five lessons.  Each of the other units contains fifteen lessons.  Each lesson is written to teach economic concepts using children’s trade books.  A minimum of four hours is required for training.  Curriculum source I.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.1, 2.2, 3.3, 3.1, 3.2, 3.3, 3.4, 3.5, 3.7, 4.1, 4.2, 4.3, 4.4, 4.5, 4.6, 4.7, 4.8, 5.1, 5.2, 5.3, 5.4, 5.5, 5.6, 6.1, 6.2, 7.1, 7.3, 7.4, 7.5, 8.1, 8.2, 8.3, 8.6, 8.8, 9-11.1, and 9-11.7

Our Community®

 

 

X

 

 

 

 

 

 

 

 

 

 

Our Community® is a series of five activities recommended for students in grade 2. The average time for each activity is 30 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 30 students.  This curriculum addresses economics benchmarks.  Curriculum source Z.

Labor Works for You

 

 

X

X

X

 

 

 

 

 

 

 

 

This is a curriculum set of nine lessons written to teach about investment of human capital, examination of careers in the construction industry, and awareness of unionized labor.  There are three units in the curriculum.  Each unit has three lessons.  The first unit focuses on plumbers, the second on carpenters, and the third on sheet metal workers.  A minimum of four hours of training is required.  Curriculum source E.  The lessons address benchmarks 1.1, 1.2, 2.1, 3.1, 3.3, 3.5, 4.1, 4.5, and 4.6.

Our City®

 

 

 

X

 

 

 

 

 

 

 

 

 

Our City® is a series of five activities recommended for students in grade 3. The average time for each activity is 35 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 30 students.  This curriculum addresses economics benchmarks.  Curriculum source Z.

Teaching Strategies 3-4

 

 

 

X

X

 

 

 

 

 

 

 

 

This is a set of 15 lessons that offer activities and simulations to teach basic economic concepts in an interesting way.  A two- to four-hour after-school workshop would be appropriate.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 2.1, 2.2, 3.1, 3.4, 4.1, 4.2, 4.3, 5.1, 5.6, 5.7, 5.1, 5.3, 5.5, and 6.1.

The Community Publishing Company, Inc.

 

 

 

 

X

 

X

 

 

 

 

 

 

 

 

 

Through a community-based publishing project, students learn economic content while applying research and writing skills.  A minimum of four hours of training is required.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 2.1, 3.1, 3.3, 3.5, 3.6, 4.1, 4.3, 4.5, 4.6, 4.8, 5.1, 5.2, 5.4, and 5.5.

A Money Adventure: Earning, Saving, Spending, Sharing

 

 

 

 

X

 

X

 

X

 

 

 

 

 

 

 

A MONEY ADVENTURE helps children learn how to start and run a business, earn and save money, and use a bank account. Children learn that choices involve both costs and benefits, and that running a business involves both risks and rewards. They create their own earning and saving plans, and display business financial data in graph form.  Curriculum Source N.  The curriculum addresses personal finance benchmarks.

www.wisepockets.com

 

 

 

X

X

X

 

 

 

 

 

 

 

In Wise Pockets World, click on the Schoolhouse to find thirteen lesson plans using children’s literature to teach personal finance.  Curriculum source HH.   The lesson plans address personal finance benchmarks.

The Money Story

 

 

 

X

X

X

 

 

 

 

 

 

 

THE MONEY STORY video introduces students to the history, production and uses of U.S. currency. The United States Mint and the Bureau of Engraving and Printing worked together to design this multimedia kit for use with intermediate grades. The kit includes a Teachers' Guide with objectives, classroom activities, a poster and reproducible materials in addition to the 30-minute video.  Curriculum Source MM.  This unit addresses money concepts.

Get Current on U.S. Currency

 

 

 

 

X

 

X

 

X

 

 

 

 

 

 

 

"Get Current on U.S. Currency" educational kit provides educators with a fun way to teach students about the history of money, as well as the features which guard against counterfeiting. Included are worksheets, trivia, lesson ideas and a full-color poster.  Curriculum Source KK.  The lessons address money concepts.

Consumer Critters

 

 

 

X

X

X

 

 

 

 

 

 

 

Provides lesson guides for leaders/teachers working with youth ages 9-11. Topics include goal setting, how our economy developed and is affected by consumer choices, planning to spend, share and save, finding money to save, and consumer decision making.  Curriculum source JJ.  The lessons address personal finance concepts.

Dollar$ & $ense–Bank at School

 

 

 

 

X

 

X

 

X

 

 

 

 

 

 

 

This program pairs bankers with teachers.  Both attend training.  A minimum of four hours of training is required.  Both the bankers and the teachers receive curriculum for the classroom.  The curriculum is available only by participating in a training program.  A minimum of four hours of training is required.  Curriculum source A.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.3, 2.4, 3.1, 3.3, 3.6, 3.7, 4.1, 4.2, 4.3, 4.5, 4.7, 4.8, 5.1, 5.3, 5.6, 6.1, 6.6, and 6.7.

Financial Fitness for Life, 3-5:  Steps to Financial Fitness

 

 

 

 

 

X

 

 

X

 

 

X

 

 

 

 

 

 

 

This unit contains 15 lessons in which students make decisions about earning income, saving and spending, using credit, and budgeting.  There’s a teacher’s guide, a student workbook, and a parent’s guide.  A minimum of four hours of training is required.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.3, 2.4, 3.1, 3.3, 3.6, 3.7, 4.1, 4.5, 4.6, 4.7, 4.8, 5.1, 5.3, 5.4, 6.6, 6.7, and 7.7.

Kaleidoscope, USA

 

 

 

X

X

X

 

 

 

 

 

 

 

This is a unit that examines community development through the study of a fictitious community as it evolves from a proprietor colony into an industrialized community and eventually into a community of the future.  In this unit, students live history and use economics, geography, language arts, science, and math skills as their community develops.  The unit includes 12 lessons.  A minimum of four hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, 1.2, 2.1, 2.2, 3.1, 3.3, 3.4, 3.5, 4.1, 4.2, 4.6, 5.2, 5.5, 5.6, 6.2, 6.2, 6.4, and 7.1.

Mini-Society®

 

 

 

X

X

X

X

 

 

 

 

 

 

This is an experienced-based learning system through which students establish a classroom society and eventually begin producing and selling goods and services to one another.  Workshops and curriculum are available through the Ewing Marion Kauffman Center for Entrepreneurial Leadership.  A minimum of twenty-one hours of training is required.  Curriculum source K.  The system addresses benchmarks K.1, K.2, 1.1, 1.2, 2.1, 2.2, 2.4, 3.2, 3.4, 3.5, 4.1, 4.2, 4.3, 4.4, 4.7, 4.8, 5.1, 5.2, 5.3, 5.4, 6.1, 6.2, 6.7, 7.4, and 7.5.

Play-Dough Economics

 

 

 

X

X

X

X

X

X

 

 

 

 

Fifteen economic lessons for elementary and middle school student that utilize play dough to create learning experiences using activity-oriented simulations which stress an inductive approach to learning.  The lessons address economics benchmarks.  Curriculum source H.

Money Smarts

 

 

 

X

X

X

X

X

X

 

 

 

 

NEFE and Girl Scouts of the USA teamed to create this resource guide for Cadette and Senior Girl Scouts and Leaders.  Curriculum Source Z.  This publication addresses personal finance concepts.

BizWorld

 

 

 

X

X

X

X

X

X

 

 

 

 

The BizWorld program teaches business, entrepreneurship and economics concepts while reinforcing math, science, art and language skills. BizWorld is team-based and encourages cooperation. Each team is a business that manufactures and sells friendship bracelets. Students learn: -debt vs. equity capital structures -company ownership and the stock market -the importance of design and marketing -basic sales skills -supply and demand.  Curriculum Source II.   The program addresses economics and personal finance concepts.

Banking on Our Future

 

 

 

X

X

X

X

X

X

 

 

 

 

Banking on Our Future teaches the basics of banking, budgeting, savings and checking accounts, credit, and investing. The program is available on the web, or on CD-ROM as well as a printed curriculum. Through problem-solving activities, students learn about everyday finances, like opening a savings account and balancing a checkbook. Teens and adults can also learn about credit and basic investing.  Curriculum source NN.

Bills, Budgets, Bank Accounts

 

 

 

X

X

X

X

X

X

 

 

 

 

A teaching unit with student worksheets. Students maintain a checking account, pay bills, make purchases, use credit and insurance, make a budget and more.  Curriculum Source W.  This unit addresses personal finance concepts.

Our Region®

 

 

 

 

X

 

 

 

 

 

 

 

 

Our Region® is a series of five activities recommended for students in grade 4. The average time for each activity is 40 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 32 students.  This curriculum addresses economics benchmarks.  Curriculum source Z.

The Louisiana Expansion

 

 

 

 

X

X

 

 

 

 

 

 

 

This is a curriculum unit consisting of 8 lessons designed to integrate economics and history.  The lessons cover both the Louisiana Purchase and Expedition.   The unit employs a variety of active learning strategies including role-play and group work.  A minimum of fours of training is required.   Curriculum source E.  The lessons address benchmarks K.1, 1.2, 2.1, 2.2, 3.1, 3.3, 3.4, 3.5, 4.1, 4.2, 5.2, 5.6, 6.1, 6.2, 6.3, 6.4, 6.5, and 7.1.

The Voyages of Columbus:  An Economic Enterprise

 

 

 

 

 

X

 

X

 

X

 

 

 

 

 

 

This unit contains three lessons that integrate economics, geography, math, and history.  Students participate in activities through which they examine early trade barriers; identify the incentives to which entrepreneurs respond; analyze the resources, human capital, and technology required for the voyage; and recognize the importance of information in decision making.  A minimum of three hours of training is required. Curriculum source E.  The lessons address benchmarks K.1, 1.1, 2.1, 2.2, 3.1, 3.3, 3.4, 3.5, 4.1, 4.2, 4.3, 4.6, 5.2, 5.4, 5.5, 6.1, 6.2, 6.3, 7.1, and 8.1.

Seas, Trees, and Economies

 

 

 

 

X

X

X

 

 

 

 

 

 

This unit contains wonderful hands-on activities for addressing environmental issues and teaching the economic way of thinking.  These materials are ideal for those who wish to integrate economics, science, and current events.  A minimum of three hours of training is required.  Curriculum source E. The lessons address benchmarks K.1, K.2, 1.1, 1.2, 2.1, 3.3, 3.5, 4.1, 4.2, 4.3, 4.7, 5.2, 5.6, 6.1, 6.2, 7.1, 8.3, and 9-11.1.

A Yen to Trade

 

 

 

 

X

X

X

 

 

 

 

 

 

This unit contains excellent lessons for teaching students about international trade and finance.  The lessons are ideal for a world regions or world geography course.  A minimum of three hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, 1.2, 2.2, 3.3, 3.4, 3.5, 4.1, 4.2, 4.3, 4.7, 5.2, 5.3, 5.6, 6.1, 6.2, 6.3, 7.1, 8.1, 9-11.1, 9-11.2, 9-11.3, and 9-11.4

Zooconomy:  Zoo Decisions

 

 

 

 

X

X

X

X

 

 

 

 

 

This unit contains five lessons that teach basic economic concepts and develop analytical thinking skills through economics with an integration of science, math, language arts and map skills.  A minimum of four hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 2.1, 4.1, 4.2, 5.2, 5.6, 6.1, and 6.2.

Adventures in Economic and U.S. History, Vol. 1, Colonial America

 

 

 

 

X

X

X

X

X

 

 

 

 

Fifteen lessons for elementary and middle school students applying the economic way of thinking to event in Colonial America.  Lessons are mostly hands-on with some connections to literature, math, and internet resources with a focus on teaching economics through U.S. History.  The lessons address economics benchmarks.  Curriculum source GG.

Adventures in Economics and U.S. History, Vol. 2, A Young Nation (1765-1877)

 

 

 

 

X

X

X

X

X

 

 

 

 

Sixteen lessons to help students learn to apply the economic way of thinking while they study events in U.S. History.  Lessons are mostly hand-on activities with some connection to literature, math, and internet resources.  Lessons address economics benchmarks.  Curriculum source GG.

Money & Banking

 

 

 

 

X

X

X

X

X

X

X

X

X

This three-credit-hour, graduate-level course for teachers is offered through the University of Missouri-St. Louis in partnership with the Federal Reserve Bank of St. Louis.  Course content is taught by economists from the Federal Reserve Bank and staff from the Center.  Center staff also provide strategies for addressing the content in the classroom.  This course provides background that helps teachers better address the Federal Reserve System and monetary policy.  Curriculum source E. 

Our Nation®

 

 

 

 

 

X

 

 

 

 

 

 

 

Our Nation® is a series of five activities recommended for students in grade 5. The average time for each activity is 45 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 32 students.  This curriculum addresses economics benchmarks.  Curriculum source Z.

Teaching Strategies 5-6

 

 

 

 

 

X

X

 

 

 

 

 

 

This is a set of 15 lessons designed to teach basic economic concepts.  The lessons employ a variety of hands-on strategies.  A two- to four-hour, after-school workshop is appropriate.  Curriculum source H.  The lessons address K.1, K.2, 1.1, 1.2, 2.1, 2.2, 3.2, 3.5, 4.1, 4.2, 4.3, 4.6, 4.7, 5.1, 5.5, 5.6, 6.1, 6.2, 7.4, and 7.5.

Show-Me Economics, 5-8

 

 

 

 

 

X

X

X

X

 

 

 

 

Packet of materials sampling a variety of resources demonstrating classroom economic education activities for the intermediate classroom.  All materials are cross-tabulated with the Missouri Show Me Standards.  The lessons address economics benchmarks.  Curriculum source A.

Adventures in Economic and U.S. History, Vol. 1, Colonial America

 

 

 

 

 

X

X

X

X

 

 

 

 

Fifteen lessons for elementary and middle school students applying the economic way of thinking to event in Colonial America.  Lessons are mostly hands-on with some connections to literature, math, and internet resources with a focus on teaching economics through U.S. History.  The lessons address economics benchmarks.  Curriculum source GG.

Stock Market Game™

 

 

 

 

 

X

X

X

X

X

X

X

X

Using $100,000, students make stock purchases and sales through this ten-week simulation.  Teams with the highest portfolio values after ten weeks are invited to participate in area Stock Market Game™ banquets.  Many economic benchmarks can be addressed when using a complementary curriculum such as Learning From the Market (see the following description).  A minimum of four hours of training is required to play the game.  Curriculum source A.

Learning From the Market

 

 

 

 

 

X

X

X

X

X

X

X

X

Stock market simulations teach students economic principles along with the fundamentals of a market economy.  This unit was designed for use with the Stock Market Game™.  A two- to four-hour, after-school workshop is required.  Curriculum source H.  The lessons address benchmarks 6.4, 6.5, 6.6, 7.1, 7.2, 7.4, 7.5, 7.8, 9-11.1, 9-11.2, 9-11.5, 9-11.12, 9-11.13, 9-11.14, 9-11.15, 9-11.25, 9-11.33, and 9-11.34.

Our World®

 

 

 

 

 

 

X

 

 

 

 

 

 

Our World® is a series of five activities recommended for students in grade 6. The average time for each activity is 45 minutes. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and materials for 32 students.  This curriculum addresses economics benchmarks.  Curriculum source Z.

Tips for Kids

 

 

 

 

 

 

X

X

X

 

 

 

 

FOR KIDS puts students in real life situations where they get a head start on understanding personal finance, economics, business and employment challenges and skills. The modules, designed for middle school and older, can be integrated into almost any subject area. A lively video provides a convincing overview of what kids need to know about money management in real world economic experiences.  Curriculum source VV. 

Credit for Kids

 

 

 

 

 

 

X

X

X

 

 

 

 

A series of classroom activities designed to help students understand concepts related to credit using basic economic analysis and decision making skills. Topics include types and costs of credit, credit problems, credit cards, and consumer decision making.  Curriculum source PP.   This curriculum addresses economic and personal finance concepts.

CentsAbility

 

 

 

 

 

 

X

X

X

 

 

 

 

"Centsability" helps girls demonstrate money management knowledge and skill in their personal lives and in their future plans. As they explore the relationship between lifestyle and occupational choices and imagine themselves as young adults, they learn the important connection between income and expenses. Student worksheets and colorful lifestyle posters help make budgeting a simple and logical money management tool.  Curriculum source OO.   This publication focuses on personal finance concepts.

Money Math

 

 

 

 

 

 

X

X

X

 

 

 

 

This supplemental middle school math curriculum teaches the importance of sound personal finance to students in grades 6 through 9 and works as a skill building block to equip youth for a future when they will be required to handle even more complex concepts. Money Math lesson topics include income, saving, taxes, and budgeting.  A minimum of two hours of training is required.  Free copies of the curriculum are available through the U.S. Department of the Treasury.  The lessons address benchmarks K.1, K.2, 1.1, 1.3, 2.3, 3.1, 3.3, 3.7, 4.1, 4.2, 4.5, 4.8, 5.1, 5.6, 6.6, 6.7, 6.2, 6.3, 6.7, 9-11.21, 9-11.22, and 9-11.23.

Mathematics and Economics:  Connections for Life, 6-8

 

 

 

 

 

 

 

 

X

 

 

X

 

 

X

 

 

 

 

This is a set of 12 lessons designed to help math teachers answer that proverbial question “Why do I have to learn this?”  The lessons show how mathematical processes and concepts can be used to equate classroom learning with “real world” situations through the use of economic and personal finance applications.  A minimum of four hours is required for training.  Curriculum source H.  The lessons address benchmarks K.1, 1.1, 1.3, 2.3, 4.3, 3.1, 3.3, 3.7, 4.1, 4.2, 4.3, 4.5, 4.6, 4.7, 4.8, 5.1, 5.3, 5.6, 6.6, 7.2, 7.3, 7.4, 7.5, 7.7, 8.4, 8.6, 9-11.5, and 9-11.9.

JA Enterprise in Action®

 

 

 

 

 

 

X

X

X

 

 

 

 

JA Enterprise in Action® is a series of eight to 10 activities and is recommended for students in the middle grades. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and workbooks for 32 students.  Curriculum source CC.  The lessons address economics benchmarks.

The Economics of Staying in School®

 

 

 

 

 

 

X

X

X

 

 

 

 

ESIS® is a series of six activities and is recommended for students in the middle grades. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and workbooks for 35 students.  Curriculum source CC.  The lessons address economics benchmarks.

The International Marketplace™

 

 

 

 

 

 

X

X

X

 

 

 

 

The International Marketplace™ is a series of eight to 10 activities and is recommended for students in the middle grades. Materials are packaged in a self-contained kit that includes detailed activity plans for volunteers and workbooks for 32 students.  This curriculum addresses economics benchmarks.  Curriculum source CC.

Personal Economics®

 

 

 

 

 

 

X

X

X

 

 

 

 

Personal Economics® is a series of eight to 10 activities and is recommended for students in the middle grades. Materials are packaged in a self-contained kit that includes detailed activity plans for the volunteer and workbooks for 32 students.  This curriculum addresses personal finance benchmarks.  Curriculum source CC.

The Wide World of Trade

 

 

 

 

 

 

X

X

X

 

 

 

 

This is a set of twelve lessons designed to teach economics and integrate world regions and world geography.  A minimum of four hours is required for training.  A minimum of four hours of training is required.  Curriculum source I.  The lessons address benchmarks K.1 K.2, 1.1, 1.2, 2.1, 2.2, 3.1, 3.2, 3.3, 3.4, 3.5, 4.1, 4.2, 4.3, 4.6, 5.2, 5.3, 5.5, 5.6, 6.1, 6.2, 6.3, 6.4, 6.5, 7.1, 8.1, 9-11.1, 9-11.2, 9-11.3, and 9-11.4.

Financial Fitness for Life, 6-8:  Shaping Up Your Financial Future

 

 

 

 

 

 

 

 

X

 

 

X

 

 

X

 

 

 

 

This unit contains 17 action-oriented lessons where students make decisions about earning an income, saving and spending, using credit, and budgeting.  Topics include the effect of taxes on consumers, managing a budget, setting financial goals, and how education can improve productivity, among others.  A minimum of four hours of training is required.  Curriculum source H.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.3, 2.4, 3.1, 3.3, 3.5, 3.6, 3.7, 4.1, 4.2, 4.4, 4.5, 4.6, 4.7, 4.8, 5.1, 5.3, 5.4, 5.6, 6.1, 6.6, 6.7, 7.1, 7.2, 7.3, 7.4, 7.7, 7.8, 8.2, 8.4, 8.6, 8.7, 8.9, 9-11.1, 9-11.20, 9-11.21, 9-11.22, 9-11.23, 9-11.24, 9-11.26, 9-11.29, and 9-11.30.

Zooconomy:  Zoo Business

 

 

 

 

 

 

X

X

X

 

 

 

 

Students study the rain forest, its make-up, its animals, and its fragile balance. They seek to reproduce a rain forest in their zoo, but to do so; they must examine the costs incurred by the zoo and compare them with the revenues received. After examining the budget, students conduct profit analyses on different concessions they might produce in order to boost revenue.  A minimum of four hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 3.5, 3.7, 4.1, 4.2, 4.7, 5.1, 5.2, 5.6, 7.4, 8.3, and 8.5.

Arts Mart

 

 

 

 

 

 

X

X

X

 

 

 

 

This is an experience-based education system designed to integrate art and economics into the middle-school world history course. As students study diverse civilizations and cultures throughout world history, they engage in a more detailed investigation of art forms of four cultures.  A minimum of four hours of training is required.  Curriculum source E.  The lessons address benchmarks K.1, 1.2, 2.1, 3.1, 3.5, 3.7, 4.1, 4.2, 4.3, 4.7, 5.1, 5.2, 5.5, 5.6, 6.1, 6.1, 7.4, 8.3, 8.5, and 9-11.5.

Economics:  Focus  Middle School

 

 

 

 

 

 

 

X

 

X

 

X

 

 

 

 

Students apply economics concepts and reasoning to real-world situations in a series of interactive units pertaining to 6 societal roles as decision-makers, consumers, workers, citizens, savers, and global participants.  Topics include supply and demand, opportunity cost, resources, Gross Domestic Product, and trade barriers, among others.  A two- to four-hour after school workshop is required.  Curriculum source H.  The lessons address benchmarks 1.1, 2.1, 1.1, 1.2, 1.3, 2.1, 2.2, 2.3, 3.1, 3.2, 3.4, 3.5, 4.1, 4.2, 4.3, 4.5, 4.6, 4.7, 5.1, 5.2, 5.4, 5.5, 5.6, 6.1, 6.2, 6.3, 6.4, 6.5, 7.4, 7.5, 8.1, 8.3, 8.4, 8.5,  8.6, 9-11.1, 9-11.2, 9-11.3, 9-11.4, 9-11.9

Making a Job®

 

 

 

 

 

 

X

X

X

 

 

 

 

This unit addresses entrepreneurship and economic concepts as students learn about becoming entrepreneurs.  Topics include resources, entrepreneurs, costs of production, revenue, and profit.  Workshops and curriculum are available from the Center for Entrepreneurial Leadership at the Kauffman Foundation in Kansas City.  A minimum of twenty-one hours of training is required.  Curriculum source K.  The lessons address benchmarks K.1, K.2, 1.1, 1.2, 1.3, 2.1, 3.1, 3.3, 3.5, 3.7, 4.1, 4.3, 4.4, 4.5, 4.8, 5.1, 5.2, 5.4, 7.1, 7.4, and 7.5.

Money, Bucks, Banks and Business

 

 

 

 

 

 

X

X

X

X

X

X

X

Four 23-minute video segments. Topics include money management, international trade, entrepreneurship and the role of banks in successful enterprises. The guide includes discussion questions, activities and resources.  Curriculum source TT.

Master Your Future

 

 

 

 

 

 

X

X

X

X

X

X

X

MASTER YOUR FUTURE Second Edition is an all-new version of the award-winning educational program created by MasterCard International to help teens strengthen their financial habits and money management skills. The package includes a 23-minute video featuring real teens, a teacher's guide, student worksheets and a classroom poster. Segmented topics include budgeting, banking and credit. The program is designed to teach learners about financial responsibility through real-life money management situations.  Curriculum source SS.  This publication addresses personal finance concepts.

How to Write Checks

 

 

 

 

 

 

X

X

X

X

X

X

X

HOW TO WRITE CHECKS is a 24 page lesson plan for teachers and parents. Practice exercises for students include how to spell out numbers when writing checks, use a check register, balance your checkbook, and document payment of bills. Students gain skills in record keeping, reading, writing, addition and subtraction.  Curriculum source RR.  This publication addresses personal finance concepts.

GLOBE™