TEDx CyberPatriot Program / CyberStart America Introduction

OVERVIEW
Whenever we go online—to shop, chat with our friends, or do anything else—we put ourselves at risk of cybercrime. Computer viruses can corrupt our files, hackers can steal our data, and criminals can trick us into revealing sensitive information. But luckily there are simple steps we can take to protect our digital lives.  Understanding how to start careers in the CyberSecurity field can benefit our society, and provide rewards for those who pursue them is an important step to understanding this important and critical field of endeavor.

OBJECTIVE(S) / (SWBAT)
Students will continue learning about CyberSecurity by viewing an introductory video about the CyberPatriot Program.  They will complete a short worksheet designed to make them think about basic CyberSecurity history and information and determine whether they might be interested in pursuing a career in this field.

(❗️) PROJECT / LESSON TASK OVERVIEW
Students should review the video and presentation in class and complete the worksheet listed below for credit.  The worksheet can be turned in electronically (Google Doc) by clicking FILE and MAKE A COPY, completing it, and then click SHARE and add Mr. S (harvey.scribner@techfreire.org) to turn it in.  Students without computers can turn in a physical copy of the worksheet for full credit.  Once completed, REGISTER for an account on CYBERSTART AMERICA to start using the online training game for high school students.

LINKS & RESOURCES
TEDxStowe "The Answer to CyberSecurity Threats - MS & HS Students Youtube Video

TEDx CyberSecurity Worksheet (GDOC) Link (Click Here)

CyberPatriot Google Slides Presentation Link (Click Here)

CyberStart America Website (Earn a Scholarship by learning about CyberSecurity)

BACKGROUND
Do you know who has access to your data? Did you know that cyber security has been failing in the same ways for nearly 25 years? Duane Dunston is concerned with the failures we continue to make so he has an innovative solution - put kids in charge of protecting your data. Duane is an Assistant Professor at Champlain College and been in Information Security since 1997. Duane has spoken and written on cybersecurity topics, including a bi-weekly column for VTDigger. He mentors middle and high school students on learning security computer systems. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx

KEY TERMS
The Cybersecurity Lab contains terms that may be unfamiliar to educators and students. In the game, these terms are highlighted with definitions that appear as mouse-overs. Below is a document with all of these terms:

NOVA Labs Cybersecurity Glossary (86.3 KB)

ESSENTIAL QUESTION(S)
What are the basic steps a student should take to keep their home or school-issued computer safe from cyber threats?

How does Cyber-Security include computing systems, digital citizenship, and both physical and electronic security of systems and networks?

ACADEMIC STANDARD(S) (State)
The Cybersecurity Lab reinforces scientific and engineering practices and crosscutting concepts found in the Next Generation Science Standards. To see how the Cybersecurity Lab can be used to meet course objectives, download our standards alignment document below:

Cybersecurity Lab Standards Alignment Guide (113.0 KB)

ADDITIONAL LINKS AND RESOURCES FOR CYBERSECURITY

https://hotspot.livingsecurity.com/

https://www.uscyberpatriot.org/

https://keeptraditionsecure.tamu.edu/web/location/evans/

http://targetedattacks.trendmicro.com/

https://www.helpsystems.com/blog/break-time-6-cybersecurity-games-youll-love

Cyber Security Introduction / NOVA LABS

The Cybersecurity Lab is a game designed to teach people how to keep their digital lives safe, spot cyber scams, learn the basics of coding, and defend against cyber attacks. Players assume the role of the chief technology officer of a start-up social network company that is the target of increasingly sophisticated cyber attacks. 

In the game, players must complete challenges to strengthen their cyber defenses and thwart their attackers. The Lab also features stories of real-world cyber attacks, a glossary of cyber terms, and short animated videos that explain the need for cybersecurity, privacy versus security, cryptography (cyber codes), and what exactly hackers are.

There are four major gameplay components of the Lab:
Coding Challenge: An introduction to very basic coding skills. Players program a robot to navigate a maze, using drag-and-drop commands.

Password-Cracking Challenge: A series of “password duels” teach players the basics of how attackers might try to crack their passwords and how they can make better, more secure passwords.

Social Engineering Challenge: Players are presented with two apparently similar emails or websites. They must first identify the differences between them and then decide which one is a scam attempting to steal their information or money. This challenge also includes a number of audio recordings and transcripts of phone calls; players have to decide if they should trust the caller or not.

Network Attacks: As their companies grow, players must buy defenses to defend themselves against a series of cyberattacks. The better that players do in the three challenges, the more resources they’ll have to buy defenses.

Note: The Coding Challenge uses a Blockly interface that requires no prior knowledge of coding. Blockly uses a visual representation of code as blocks rather than a scripted programming language.

NOVA LABS - CYBER LAB

(❗️) POST-LEARNING ASSESSMENTS

When you have completed the online challenges click the link below to complete the Post-Learning Assessments.  Please take a SCREENSHOT of your results and include it in your GMAIL RESPONSE listed below.

TAKE THE ONLINE QUIZZES NOW! (Click Here)

Time Allotment: 75 minutes
Grade Level:  6–12 grade

(❗️) GMAIL ASSESSMENT ACTIVITY

Complete a Gmail Response, after "playing" the game at the website below, about CyberSecurity at home, at school, or in a future career. What should high school students know about CyberSecurity? (In Your Own Words!).

Sample Gmail
To: harvey.scribner@techfreire.org
Subject: Nova Labs CyberSecurity
Body of Email: 2-3 Sentences to answer the question listed above about CyberSecurity.

Use the R.A.C.E.S. Method R - Repeat the Question, A - Answer the Question, C - Cite Evidence, E - Examples / Explanation, S - Summarize your Thoughts

OVERVIEW

Take cybersecurity into your own hands. In this Lab, you’ll defend a company that is the target of increasingly sophisticated cyber attacks. Your task is to strengthen your cyber defenses and thwart the attackers by completing a series of cybersecurity challenges. You’ll crack passwords, craft code, and defeat malicious hackers.

OBJECTIVE(S) / (SWBAT)
Students will be able to explain computer science terminology related to coding, password protection, social engineering, and network security

Students will be able to describe how encryption works to protect privacy

Students will be able to describe recent network security breaches and how companies defend against them

Students will be able to explain why the term “hacker” is extremely flexible and the variety of roles that hackers play

Students will be able to analyze reports of unfolding security breaches and apply their understanding of security networks to them

Process Objectives
Students will be able to navigate a robot through a maze using Blockly code in the Coding

Content Objectives / Challenge
Students will use analytical reading skills to distinguish between phishing attempts, fraudulent websites, and phone scammers in the Social Engineering Challenge

Students will use logical reasoning to create strong passwords in the Password-Cracking 

MATERIALS
The Cybersecurity Lab is accessible on web and mobile browsers that support HTML5, including Chrome, Firefox, Safari, and Internet Explorer (version 9.0 and higher)

BACKGROUND
Whenever we go online—to shop, chat with our friends, or do anything else—we put ourselves at risk of cybercrime. Computer viruses can corrupt our files, hackers can steal our data, and criminals can trick us into revealing sensitive information. But luckily there are simple steps we can take to protect our digital lives.

KEY TERMS
The Cybersecurity Lab contains terms that may be unfamiliar to educators and students. In the game, these terms are highlighted with definitions that appear as mouse-overs. Below is a document with all of these terms:

NOVA Labs Cybersecurity Glossary (86.3 KB)

ESSENTIAL QUESTION(S)
What are the basic steps a student should take to keep their home or school-issued computer safe from cyber threats?

How does Cyber-Security include computing systems, digital citizenship, and both physical and electronic security of systems and networks?

ACADEMIC STANDARD(S) (PA)
The Cybersecurity Lab reinforces scientific and engineering practices and crosscutting concepts found in the Next Generation Science Standards. To see how the Cybersecurity Lab can be used to meet course objectives, download our standards alignment document below:

Cybersecurity Lab Standards Alignment Guide (113.0 KB)

ADDITIONAL RESOURCES

The Cybersecurity Lab includes four short animated videos that cover a variety of cybersecurity and computer science topics:

Cybersecurity 101:The Internet is fundamentally insecure. However, there are simple things you can do to protect yourself and your information. This video also provides an introduction to the activities in the Cybersecurity Lab.

Cyber Codes: Do you trust the security of your email, text messages, and browser history? Learn how trustworthy online communication actually is and how encryption can protect your privacy. Sometimes.

The Secret Life of Hackers: Hackers may not be who we think they are. In fact, you might be a hacker and not even know it. Learn the true meaning of hacking and some of the many reasons hackers hack.

A Cyber Privacy Parable: Follow the trials and tribulations of Tim as a seemingly innocent piece of information threatens to ruin his life when it falls into the wrong hands.

Federal, State, & Local Taxes (W2 / W4)

OVERVIEW
Students should learn the basics about filing Federal, State, and Local Tax Forms.  Students should have a basic understanding of these forms, how to read and understand them, and how to transfer data from their W2 to complete the forms and file them.  These forms are pdf versions of online forms that could be realistically filed to get any taxes they payed back.  They should also understand at what point they will owe taxes that they cannot get back, and what those taxes fund in our modern society.  Today students will fill out W4 forms for their "Employer", calculate W2 forms for reference (use real W2 forms if they have them), and complete Federal (IRS 1040), State (PA-40), and Local (Philadelphia Wage Tax Refund Request).  These forms will be completed as fillable pdf's and uploaded to Google Drive.  The students must SHARE these files electronically with Mr. S (harvey.scribner@techfreire.org) for credit.

To help you estimate your taxes and other expenses on your paycheck, here is a link to the Pennsylvania Paycheck Calculator:

PA Paycheck Calculator Website (smartasset.com)

OBJECTIVE(S) / (SWBAT)
Participate in-class discussions about taxes, liability, and what those taxes go to fund in our society.

Complete ALL Documents, Spreadsheets, and Google Forms associated with the Tax Project.

Open, Copy, and Share a new TAX PROJECT 2022 file in Google Drive with all documentation saved in it.

(❗️) TAX PROJECT 2022

Students should open their Google Drive and CREATE a New File and name it TAX PROJECT 2022 (Last Name) P?

Please open the links below as we complete the project in class:

All links below should be completed with all information required.  Make sure that you click the PRINTER Button and save your completed form as a pdf file to your Chromebook/device.  You should then transfer that completed document(s) to your Google Drive and save it in the TAX PROJECT 2022 folder for credit. 

W-4 Employee's Withholding Certificate (pdf)

W2 Worksheet & Example Form (Google Sheet

IRS 1040 Federal Income Tax Form (pdf)

IRS 1040 Instruction Booklet (2022)

PA-40 State Income Tax Form (pdf)

PA Personal Income Tax Instruction Booklet (2021)

Philadelphia Wage Tax Refund Form (pdf)

(❗️) GMAIL ASSESSMENT ACTIVITY
Go to your GMAIL and click COMPOSE. Send an email to Mr. Scribner (harvey.scribner@techfriere.org) with the following information:

Answer the following questions in an email to Mr. S (harvey.scribner@techfreire.org)
You may copy/paste the questions into the email.

1. How much was your Gross Income (Wages, Tips, etc.)?

2. Why is it important to pay taxes?  What do they pay for in our society?

Example Gmail

TO: harvey.scribner@techfreire.org
SUBJECT: Income Taxes
Body of Message: Answer All Questions Listed Above (Copy/Paste Questions into Gmail)

R.A.C.E.S. Method R - Repeat the Question, A - Answer the Question,
C - Cite Evidence, E - Examples / Explanation, S - Summarize your Thoughts

BACKGROUND
Taxes provide revenue for federal, local, and state governments to fund essential services— defense, highways, police, a justice system—that benefit all citizens, who could not provide such services very effectively for themselves. Taxes also fund programs and services that benefit only certain citizens, such as health, welfare, and social services; job training; schools; and parks.

Article 1 of the United States Constitution grants the U.S. government the power to establish and collect taxes. Congress delegated to the IRS the responsibility of administering and enforcing the Internal Revenue Code. Taxes reduce taxpayers’ income. As a result, taxpayers have less for personal goods and services, savings, and investments.

The more services the government provides, the more taxpayers have to pay for them. Whenever new public goods and services and proposed that require new taxes, taxpayers must decide whether the additional benefits are worth the reduction in income.

KEY TERMS
Public Goods & Services: Benefits that cannot be withheld from those who don’t pay for them, and benefits that may be “consumed” by one person without reducing the amount of the product available for others. Examples include national defense, streetlights, and roads and highways. Public services include welfare programs, law enforcement, and monitoring and regulating trade and the economy.

Taxes: Require payments of money to governments that are used to provide public goods and services for the benefit of the community as a whole.

ESSENTIAL QUESTION(S)
How do taxes get withheld from your check?  Who is responsible for reporting and paying income taxes to the federal government, state government, and locally.

How do you feel about income taxes?  What other taxes do we pay in our society and what do they fund?

What services are most important to you?  What services should not get tax money, or should be funded other ways?

How can I file my tax forms and what information is important to have before I start the paperwork.

ACADEMIC STANDARD(S) (PA)
PA Career Education & Work Standard 13.3.11.D

Analyze Budgets and Pay Statements to include paychecks, bank statements, bills, and other documents that would be required to keep a Personal Monthly Budget

Jump$tart Standards: Financial Responsibility Standards 1, 2 and 4

National Standards for Economics:
Standard 2: Decision Making

PA Social Studies:6.2.12.D: Evaluate changes in economic institutions over time (e.g., stock markets, non-government organizations)

PMB STEP 10 - Presentation

OVERVIEW
Students should learn the basics about finding their first job based on the college or training they chose. Make sure that they understand that their first job may be in the field they chose, but not necessarily the position they see themselves in to start off with. That will lead to them choosing a place to live and then understanding the community they are a part of. Students will continue to work on their Personal Monthly Budget Project by creating a map of their new neighborhood and locating businesses, organizations, and stores with basic needs and other necessities that will make their new home more comfortable. Today students will investigate and add the cost of insurance to their monthly budget spreadsheets.

OBJECTIVE(S) / (SWBAT)
Participate in-class discussions about different places that might be needed in your new neighborhood.

Complete ALL Documents, Spreadsheets, and Google Forms associated with the PMB Project.

Open, Copy, Share, and Start the PMB Google Spreadsheet for PMB Project

Complete the Personal Monthly Budget Worksheet Section for STEP 10: Presentation

LINKS & DOCUMENTS (Open Documents, Click FILE and MAKE A COPY)
Primary Document for Personal Monthly Budget Project (500pts)
PMB GOOGLE DOCUMENT DIGITAL WORKSHEET PACKET

Primary Spreadsheet for Personal Monthly Budget Project
PMB GOOGLE SHEET TEMPLATE (Click Here)

Simple Survey to list choices from Steps 3 and 4 yesterday:
PMB START-UP SHEET TFDL2022 SURVEY

PROJECT
Today you will turn your Personal Monthly Budget into a Google Slides Presentation.

PMB SAMPLE PRESENTATION LINK MP3 TFDL (Click Here)

You must open Google Drive and CREATE a new Presentation. Label your new presentation "PMB (Your Last Name) Q3 TFDL2022".

All Items in your Personal Monthly Budget must be presented. See the following list of Items to Add to your Presentation:

  Introduction Slide
  College and Major
  You New City and Job
  How you traveled to Your New City
  Show a Map of Places You Found (Print PDF To JPEG)
  Stores you shopped At
  Your Dream Car
  Utilities and Insurance
  Grocery and Food (Specifically Your Family Dinner)
  What is there to do for fun in your new city? 
  Wrap Up!

You MUST INCLUDE the Links to your PMB Worksheet and PMB Spreadsheet on the First Slide of your Presentation! (See Example)

You must have a picture on every slide.

Do not write full sentences, only use the presentation to remind you of what to talk about next.

Make sure you pick a theme and background.

You must SHARE this project with me at harvey.scribner@techfreire.org for credit prior to Friday, March 12th at 4pm for credit!

PMB PROJECT REVIEW

In case you missed the review, here are the steps to complete the PMB Project:

Spend time making sure that your Personal Monthly Budget (PMB) Project is up to date. You need to have completed Steps 1-9 so far. Please use the PMB Worksheet and PMB Spreadsheet that should be located in your Google Drive (and shared for credit with harvey.scribner@techfreire.org) to track your work. You should have the following items on the worksheet/spreadsheet completed by now:

Step 1 - Choose a College & Major: Research basic information about the college you chose. If your path did not include college, please describe the training you completed for your chosen career path.

Step 2 - Complete the Budget & Finance step by using the resources on the Class Reference Site (link below)

Step 3 - Find your first job using Aftercollege.com or another job search website. You cannot choose a job in, or around Philadelphia. For this exercise you need to choose a new city in the contiguous 48 states. Complete this step using information from the job you found.

Step 4 - Find your first apartment in your new city. Make sure you have a plan to get back and forth to work, know the address and exact monthly rent for your apartment. You should note any additional fees or benefits (trash, water, sewer included) for this new apartment. Complete the Data Sheet on the PMB Spreadsheet with your apartment and work information.

Step 5a - Shop for your new apartment. You will list all furnishings and items you buy, cost, and list them on the spreadsheet (Shopping List)

Step 5b - Use Google Maps to create a neighborhood map with specific items listed on the website and worksheet. If you cannot use Google Maps, just find the name of the businesses and locations and the address of each. List them on the worksheet.

Step 6 - Create a Weekly Menu (Spreadsheet) and decide what you will be eating for a normal week in your new location. Use the Weekly Menu to create a Grocery List and shop on Instacart (or another supermarket website) to determine how much your weekly food budget should be. You can include eating out and fast food, but you need to note how much those items would be too.

Step 7 - Look at resources for Utility costs in your new city. Make sure to add your Rent, Utility Costs, Grocery Bill, and other expenses on the PMB Spreadsheet Budget Page

Step 8 - Use the online resources to estimate the costs, and types, of insurance you might need. Price and add Renters Insurance to your PMB Budget Spreadsheet. You should also add estimates for Health, Life, and Auto if you are getting car.

Step 9 - Final Changes were listed on the Class Reference Website (link below). Make sure that you follow the instructions listed, and then find places on your budget to include. 

Step 10 - Presentation: You will create a presentation for this project that outlines your choices and information. Email me questions, or ask for help. 

ESSENTIAL QUESTION(S)
How could you present the information you gathered about your budget choices?  Why is it important to review your choices and judge their effectiveness?

How do your decisions about savings, spending, and earning money change over time?  What different circumstances will you face throughout your life that will change your budget?

What services or stores are most important, and which ones would be considered luxuries?

What items do I need to buy to survive, and what is not necessary. Based on the selection of my apartment, where can I go to buy these items, and how much will they cost?

ACADEMIC STANDARD(S) (PA)
PA Career Education & Work Standard 13.3.11.D

Analyze Budgets and Pay Statements to include paychecks, bank statements, bills, and other documents that would be required to keep a Personal Monthly Budget

Jump$tart Standards: Financial Responsibility Standards 1, 2 and 4

National Standards for Economics:
Standard 2: Decision Making

PA Social Studies:6.2.12.D: Evaluate changes in economic institutions over time (e.g., stock markets, non-government organizations)

PMB STEP 9: Final Changes

OVERVIEW
Students should learn the basics about finding their first job based on the college or training they chose. Make sure that they understand that their first job may be in the field they chose, but not necessarily the position they see themselves in to start off with. That will lead to them choosing a place to live and then understanding the community they are a part of. Students will continue to work on their Personal Monthly Budget Project by creating a map of their new neighborhood and locating businesses, organizations, and stores with basic needs and other necessities that will make their new home more comfortable. Today students will investigate and add the cost of insurance to their monthly budget spreadsheets.

OBJECTIVE(S) / (SWBAT)
Participate in-class discussions about different places that might be needed in your new neighborhood.

Complete ALL Documents, Spreadsheets, and Google Forms associated with the PMB Project.

Open, Copy, Share, and Start the PMB Google Spreadsheet for PMB Project

Complete the Personal Monthly Budget Worksheet Section for STEP 9: FINAL CHANGES

LINKS & DOCUMENTS (Open Documents, Click FILE and MAKE A COPY)
Primary Document for Personal Monthly Budget Project (500pts)
PMB GOOGLE DOCUMENT DIGITAL WORKSHEET PACKET

Primary Spreadsheet for Personal Monthly Budget Project
PMB GOOGLE SHEET TEMPLATE (Click Here)

Simple Survey to list choices from Steps 3 and 4 yesterday:
PMB START-UP SHEET TFDL2022 SURVEY

PROJECT

Make Final Changes to your Personal Monthly Budget (PMB) Project. Make sure that your PMB Worksheet is complete, and that every STEP has been filled in completely. Use the posts on the Class Reference Site (See BLOG ARCHIVE section to the right to find individual posts) to complete any missed or incomplete work. Use the information below to make final changes to your PMB Spreadsheet.

Here are the final changes to your Personal Monthly Budget. Please record the changes and make sure you SHARE both your PMB Worksheet (Google Doc) and your PMB Budget (Google Sheets) with Mr. S (harvey.scribner@techfreire.org) for credit. I will review your budget and comment on them later this week. This will be a major part of the grade for this marking period:

MAKE THE FINAL FOLLOWING CHANGES TO YOUR BUDGET
1. Add 5 pints of your favorite ice cream to your grocery bill for the month (Shop online groceries for pricing)
2. Add $150 to your budget for home repair. (Broken Window)
3. Add a Doctor’s visit to your budget ($20 copay)
4. Get a pet: dog, cat, fish, snake, whatever….but budget for the animal, veterinarian, and care products.
5. You are taking a class at a local college….add $425 for tuition and $125 for books.
6. You went to the movies with your friend…..add enough to cover popcorn and tickets.
7. You took first prize in a writing contest….add $100
8. Add $50 per month for an increase in cell phone service
9. Find a bicycle for fun and add the cost to your budget
10. You went to the mall to shop for clothes… add $125.
11. You won the lottery……$150…scratch-off… add to your budget
12. Your mom’s birthday is coming up…get her a gift….add it
13. Your electric bills are 10% higher than you budgeted for…..add it
14. Try to find a used car.  You do not need to add this to your budget, but see if you can find something that runs for less than $2000 in the city or area that you moved to?  If you find something, add the information (Model, Mileage, etc.) and where you would buy it from on your SHOPPING Spreadsheet.

Don't forget to estimate your monthly grocery budget by multiplying your weekly grocery shopping plus your fast food budget by four. Add those values to your budget as well.

Add all of the above changes to your budget sheet somewhere appropriate (your choice). Make sure your shopping lists are correct and complete. Make sure that your entries are complete for groceries and eating out. Finally, please send me an email stating your budget is complete and ready to be checked.

STOCK MARKET EARNINGS
Finally, you can now add your EARNINGS from our MarketWatch.com Stock Market Game. Call me over to make the withdrawal if you want. I will have today's printout with totals and will approve all withdrawals.

Enter all of your items into your budget and save them for tomorrow!!

ESSENTIAL QUESTION(S)
What other costs might impact my monthly budget?  How can I handle unexpected events and spending?

What does owning a car do to my overall budget?  How can I survive in my new city without one?

What services or stores are most important, and which ones would be considered luxuries?

What items do I need to buy to survive, and what is not necessary. Based on the selection of my apartment, where can I go to buy these items, and how much will they cost.

ACADEMIC STANDARD(S) (PA)
PA Career Education & Work Standard 13.3.11.D

Analyze Budgets and Pay Statements to include paychecks, bank statements, bills, and other documents that would be required to keep a Personal Monthly Budget

Jump$tart Standards: Financial Responsibility Standards 1, 2 and 4

National Standards for Economics:
Standard 2: Decision Making

PA Social Studies:6.2.12.D: Evaluate changes in economic institutions over time (e.g., stock markets, non-government organizations)

PMB STEP 8: Insurance

OVERVIEW
Students should learn the basics about finding their first job based on the college or training they chose. Make sure that they understand that their first job may be in the field they chose, but not necessarily the position they see themselves in to start off with. That will lead to them choosing a place to live and then understanding the community they are a part of. Students will continue to work on their Personal Monthly Budget Project by creating a map of their new neighborhood and locating businesses, organizations, and stores with basic needs and other necessities that will make their new home more comfortable. Today students will investigate and add the cost of insurance to their monthly budget spreadsheets.

OBJECTIVE(S) / (SWBAT)
Participate in-class discussions about different places that might be needed in your new neighborhood.

Complete ALL Documents, Spreadsheets, and Google Forms associated with the PMB Project.

Open, Copy, Share, and Start the PMB Google Spreadsheet for PMB Project

Complete the Personal Monthly Budget Worksheet Section for STEP 8: INSURANCE

LINKS & DOCUMENTS (Open Documents, Click FILE and MAKE A COPY)
Primary Document for Personal Monthly Budget Project (500pts)
PMB GOOGLE DOCUMENT DIGITAL WORKSHEET PACKET

Primary Spreadsheet for Personal Monthly Budget Project
PMB GOOGLE SHEET TEMPLATE (Click Here)

Simple Survey to list choices from Steps 3 and 4 yesterday:
PMB START-UP SHEET TFDL2022 SURVEY

PROJECT

Students will learn why insurance is critical to making sure they are covered in the event of a catastrophic loss. Students will complete a GMail Response about the primary types of insurance they may require in their lives. Students will discover what Renters Insurance is and why it is important. Students will calculate basic costs for different types of coverage and estimate monthly costs associated with Renters Insurance. Students will then choose a Dream Car and investigate the costs of owning and operating it.

STEP BY STEP
  1. Read Lifehacker Article and Complete GMAIL RESPONSE Assignment
  2. Follow steps to learn about and estimate Renters Insurance Needs.
  3. Follow directions for the Dream Car exercise and investigate insurance costs.
  4. Enter costs on Budget Sheet prior to leaving class today!
  5. Work on any items still outstanding for class.

(❗️) GMAIL REFLECTION

Please READ the following article:

https://www.trustedchoice.com/insurance-articles/opinion-variety/college-graduate-insurance-guide/ and write a Gmail Response about what types of insurance you need and why (In Your Own Words!). Then continue with the exercise below and enter your insurance costs (ACTUAL Cost Column) on your Budget Sheets.

Example Gmail
To: harvey.scribner@techfreire.org
Subject: Insurance GMail Response
Body of Email: 2-3 Sentences about what types of insurance you might need at your new apartment for the Personal Monthly Budget (PMB) Project.

R.A.C.E.S. Method R - Repeat the Question, A - Answer the Question, C - Cite Evidence, E - Examples / Explanation, S - Summarize your Thoughts

RENTERS INSURANCE

Unfortunately, sometimes bad things happen. We get car insurance, homeowners insurance, and health insurance to be on the safe side. But what if you are a renter? Who protects your belongings and makes sure you are not held responsible for personal or property damage at your apartment? If you rent an apartment, condo, or home, renters insurance is your safeguard against property loss and personal liability.

Imagine the following scenarios:

What if all your clothes, TV, computer, furniture, and other belongings were destroyed by fire? Could you replace them, immediately, out of pocket? Could you be held liable if your friends or family were injured on the apartment grounds or in your apartment?

What if your apartment unit was broken into and your personal property was stolen, how would your belongings be replaced?

Fire. Injury. Robbery. These are just a few reasons why people get apartment renters insurance. It is up to you to protect your belongings and prepare for the unexpected with rental insurance. Whether you are looking for apartment renters insurance or insurance to cover your storage rental you need to consider these:

  protect you against the financial risk associated with property damage
  

  insure full replacement value for your personal property and that of your neighbors
  

  provide you with quick payment for approved claims
  

  provide you with temporary living expenses over and above your normal living expenses if

  your apartment is covered in the loss
  

  give you peace of mind!

Use this calculator(s) to total up the value of everything in your apartment and think about how you would replace it in the event of a disaster or problems:

https://www.valuepenguin.com/average-cost-renters-insurance

https://www.allstate.com/tr/renters-insurance/compare-coverage.aspx

Other Calculators for Life Insurance, Retirement Savings, etc.

https://www.allstate.com/tr/calculators.aspx

PICK YOUR DREAM CAR Use this calculator to find out how much you might pay annually for insurance: (If you have a car in this budget, enter the amount of your monthly payment estimate)

https://www.carinsurance.com/car-insurance-estimator.aspx
Use this calculator to estimate your monthly payment. You must estimate using a 48-month loan at 7% interest. Good Luck!

http://www.bankrate.com/calculators/auto/simple-loan-payment-calculator.aspx
NOW use the following calculator to think about how much Savings you will need to set aside while you are earning a living (your starting amount is the amount leftover from your shopping trip on moving day:

http://www.bankrate.com/calculators/savings/simple-savings-calculator.aspx
Add your monthly savings into your budget. You might also need some life insurance, but that is normally handled with your employee benefits people. Your new jobs could include Life, Health, and other benefits we will discuss today.

STOCK MARKET EARNINGS

Finally, you can now add your EARNINGS from our MarketWatch.com Stock Market Game. Call me over to make the withdrawal if you want. I will have today's printout with totals and will approve all withdrawals.

Enter all of your items into your budget and save them for tomorrow!!

ESSENTIAL QUESTION(S)
What will my monthly bill for Renters Insurance look like? How do I fit it into my budget?

What other Insurance might be covered by my employer?  How much would Car Insurance be if I needed a car where I live?

What services or stores are most important, and which ones would be considered luxuries?

What items do I need to buy to survive, and what is not necessary. Based on the selection of my apartment, where can I go to buy these items, and how much will they cost.

ACADEMIC STANDARD(S) (PA)
PA Career Education & Work Standard 13.3.11.D

Analyze Budgets and Pay Statements to include paychecks, bank statements, bills, and other documents that would be required to keep a Personal Monthly Budget

Jump$tart Standards: Financial Responsibility Standards 1, 2 and 4

National Standards for Economics:
Standard 2: Decision Making

PA Social Studies:6.2.12.D: Evaluate changes in economic institutions over time (e.g., stock markets, non-government organizations)

PMB STEP 7: Utilities, Bills, & Budget Spreadsheet

OVERVIEW
Students should learn the basics about finding their first job based on the college or training they chose. Make sure that they understand that their first job may be in the field they chose, but not necessarily the position they see themselves in to start off with. That will lead to them choosing a place to live and then understanding the community they are a part of. Students will continue to work on their Personal Monthly Budget Project by creating a map of their new neighborhood and locating businesses, organizations, and stores with basic needs and other necessities that will make their new home more comfortable. Today students will create a basic food menu for the week and use time in class to shop online for the items they chose.

OBJECTIVE(S) / (SWBAT)
Participate in-class discussions about different places that might be needed in your new neighborhood.

Complete ALL Documents, Spreadsheets, and Google Forms associated with the PMB Project.

Open, Copy, Share, and Start the PMB Google Spreadsheet for PMB Project

Complete the Personal Monthly Budget Worksheet Section for STEP 7: UTILITY DAY / BILLS

LINKS & DOCUMENTS (Open Documents, Click FILE and MAKE A COPY)
Primary Document for Personal Monthly Budget Project (500pts)
PMB GOOGLE DOCUMENT DIGITAL WORKSHEET PACKET

Primary Spreadsheet for Personal Monthly Budget Project
PMB GOOGLE SHEET TEMPLATE (Click Here)

Simple Survey to list choices from Steps 3 and 4 yesterday:
PMB START-UP SHEET TFDL2022 SURVEY

PROJECT
Students will begin to enter data on their budget sheets. ALL ENTRIES ARE TO GO IN THE "ACTUAL" COSTS COLUMN OF THE BUDGET! Students should spend time today entering their Actual Costs for rent, transportation (train/bus pass), shopping costs, and any other items on their budget sheets. Students should also add the MONTHLY INCOME to the INCOME BOX to initialize the sheet. Finally, students should research the cost of utilities in their new city and estimate the costs on their budget sheets. See directions below for figuring out your monthly utilities.

STEP BY STEP
  1. Enter your Monthly Income in the Income Box on the Budget Sheet
  2. Enter your Actual Cost for your RENT
  3. Enter your Actual Cost for the SHOPPING you did to move in.
  4a. Complete The GMail Response Listed Below
  4b. Use the tools below to determine your Average Utility Costs for the Month:
        Electric, Natural Gas, Water, Sewer, Trash Pickup, Phone, Cable, Internet
  5. Enter those costs on the Actual Cost Column of your Budget

GMAIL PRE-REFLECTION RESPONSE

Open your Gmail application and send 2-3 sentences to Mr. S (harvey.scribner@techfreire.org) about your project. Think about how much it may cost to heat and cool your apartment, provide water and sewer, trash, cable tv, and phone service. If you are using only a cell phone, how will you get internet or other tv channels (streaming services) in your new apartment? Please complete this step BEFORE you investigate the costs using the tools below.

EXAMPLE GMAIL

  To: harvey.scribner@techfreire.org

  Subject:  Utilities and Bills Reflection

  Body:  3-4 Sentences that answer the question(s) listed above.

R.A.C.E.S. Method R - Repeat the Question, A - Answer the Question, C - Cite Evidence, E - Examples / Explanation, S - Summarize your Thoughts

UTILITY COST ESTIMATE TOOLS 

Here is an article with a good idea of how much you should estimate based on your income for your budget:

http://www.zillow.com/blog/rules-of-thumb-for-estimating-apartment-utility-costs-100024/comment-page-1/
Today you will be examining how much your local utilities cost. You are at your new apartment and you need to estimate your monthly utility expenses. There are many websites you can use, but to make sure you are estimating correctly you will need to read the following article first:

http://tlc.howstuffworks.com/family/how-to-estimate-cost-of-utilities.htm
Once you have read the article, please open your Weebly.com Journal and write a few sentences about which utility companies you use in your new city and how much you are estimating for the costs for your new apartment.

Here are some additional websites to help you estimate your costs:
http://www.allconnect.com/shopping/sc-phone/phone.html#selectedTab_tv
http://hes.lbl.gov/consumer/
https://www.mymove.com/moving/guides/how-much-are-utilities/

You can also use Google (or another search engine) to find sources for estimates of costs in your city. Once you have estimated your costs, enter the amounts in your budget under the ACTUAL COSTS COLUMN.

WATER/SEWER: The average household US water bill varies widely from state to state and municipality to municipality. Small town household water rates fall somewhere between $1.00 and $2.00 per 748 gallons of water or HCF (hundred cubic feet). Large city household water rates are from $2.00 to $3.00 per 748 gallons of water. Many water bills are billed on a bi-monthly basis.

Many large cities have tiered water rate structures, whereby customers pay much higher rates for the water they consume beyond a certain predetermined amount.

The average US resident uses around 150 gallons of water per day. This number varies widely. Let’s look at a household of 4’s water consumption for one month or over a billing cycle:

Average daily water consumption: 600 gallons of water
Average monthly water consumption: 18,000 gallons of water
How many HCF is this? -> 18,000 divided by 748 = 24
Average cost per HCF? -> $1.50
Average monthly water bill? -> $1.50 x 24 = 36
Average bi-monthly water bill? -> $72

(Bear in mind that this number is for the small municipality only)
* We of course need to add to this number the sewage rate/cost plus any additional fees. To be safe, let’s just call it an $15 per month.

New average US household water bill? -> $51

Now, let’s acknowledge that this is only a number to which there’s no need to hold fast to. It merely gives us an idea of the expensiveness of water, and just how quickly a water bill can go through the roof due to a running or leaking toilet, say, a phenomenon to which 90% of all high water bills are due.

TELEPHONE, CABLE, and INTERNET: Make sure you find your local providers and compare pricing. If you are using a Cell Phone, you must also add that to your Budget Sheet.

ESSENTIAL QUESTION(S)
What will my monthly bill for utilities and phone service look like? How do I fit it into my budget?

What services or stores are most important, and which ones would be considered luxuries?

What items do I need to buy to survive, and what is not necessary. Based on the selection of my apartment, where can I go to buy these items, and how much will they cost.

ACADEMIC STANDARD(S) (PA)
PA Career Education & Work Standard 13.3.11.D

Analyze Budgets and Pay Statements to include paychecks, bank statements, bills, and other documents that would be required to keep a Personal Monthly Budget

Jump$tart Standards: Financial Responsibility Standards 1, 2 and 4

National Standards for Economics:
Standard 2: Decision Making

PA Social Studies:6.2.12.D: Evaluate changes in economic institutions over time (e.g., stock markets, non-government organizations)