Blizzard Ball: Snowballs versus Avalanches

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1 Blizzard Ball: Snwballs versus Avalanches Blizzard Ball is a fun, active way t review the key cncepts f and debt cvered in Katrina s Classrm Lessn 3, A Fresh Start. The activity allws players t strategize t earn pints and win the game, while testing cmprehensin f the lessn cncepts. Blizzard Ball starts with a brief, simulated blizzard created when players tss paper snwballs (wads f paper) int a wastebasket. Each f the paper snwballs cntains a questin that will be used in the game. Tssing the questins int the basket prvides a randm distributin f questins t be answered by each team and prvides a fun way t kick ff the cmpetitin. The bject f the game is t accumulate the mst pints. Players have the pprtunity t earn 1 r 2 pints fr crrect answers r tss a snwball questin t the ppsing team in hpes f a wrng answer and lss f a player and anther scring pprtunity. BLIZZARD BALL SUPPLIES AND PRE-CLASS PREP 1 small, empty wastebasket (t catch snwballs) Select review questins and prepare snwballs: Print ut the prvided questins, cut them apart int separate slips f paper and crumple each int a snwball. Or, write yur wn review questins n single slips f paper and crumple each int a snwball. Hint: This is a gd use f scrap paper r paper t be recycled. The prvided questins include tw snwballs that award free pints withut answering a questin r lsing a player. A time-/screkeeper BLIZZARD BALL SETUP Divide the class int tw teams (Team Snwball and Team Avalanche) Place the empty wastebasket in the frnt center f the rm, but nt tuching the wall. Line up each team against the ppsite wall and tell (and shw) the players that there is a set brder dwn the center f the rm t separate the teams and anther acrss the frnt f the rm t separate teams frm the wastebasket target. Players are nt allwed t step acrss either brder at any time during the blizzard. Tell the players that each ne f them will get a snwball. Tell the players NOT t pen r unfld the snwball. If they unfld r read the questin in advance, the team lses 5 pints. Distribute a snwball t each player. Direct the players t hld n t the snwball until they are given the signal t thrw (snw). 1

2 Instruct the players that when given the signal t snw, all players attempt t thrw the snwballs int the wastebasket. Yu can chse t have everyne thrw snwballs at nce r in waves, but it s imprtant t have multiple snwballs in the air heading t the wastebasket at the same time t create the blizzard. When all the snwballs have landed, pick up the nes that missed the wastebasket and hld them ut f the game (unless needed). THE RULES Pints are earned in the questin and answer phase. Questins will alternate between teams, and the players will answer questins after catching r being tuched by the tssed snwball. After a player answers a questin, the player(s) will sit dwn. Designate smene as the time- and screkeeper. Pints are awarded nly fr crrect answers. Select a snwball frm the basket and underhand tss it t a Team Snwball player. The player wh catches the snwball r is tuched by the snwball must read the questin alud and then has 10 secnds t either: Answer the questin n his/her wn, earning 2 pints fr a crrect respnse. (Right r wrng, the player sits dwn after answering.) Cnsult the next team member in line fr the answer, earning 1 pint fr a crrect respnse. (Right r wrng, bth players sit dwn after answering.) Tss the questin snwball t anyne n the ther team, giving any member f the ther team tuched by the snwball an pprtunity t earn 1 pint fr a crrect respnse. (Right r wrng, the player wh answers the questin sits dwn after answering.) The player wh tssed the questin, stays in the game and must answer the next questin selected fr the team. Select a snwball frm the basket and underhand tss it t a Team Avalanche player and repeat the steps abve. Alternate between teams until questins r time runs ut. At the end f the game, the team with the mst pints wins Blizzard Ball. Opprtunities t strategize: T have an pprtunity t earn pints, a team must have a player still in the game. Each time a questin is answered (right r wrng) a player(s) will sit dwn. A player answering crrectly n his/her wn earns 2 pints, but lses ne player. A player wh cnsults anther team member fr a crrect answer earns 1 pint but lses bth players. Tssing a questin t an ppnent prvides an pprtunity fr the ppnent t win 1 pint fr a crrect answer but it als eliminates the player, resulting in fewer pprtunities fr that team t earn 2 pints n a future questin. The advantage ges t the team that has the mst individual members answering questins withut assistance. 2

3 ANSWER KEY The table belw matches each cncept r term with an example r definitin. The numbers have been included t make it easy t check respnses during the game. Cncept/Term Example/Definitin 1. Three things included in financial emergency preparedness 1. An emergency fund; an established banking relatinship; access t 2. A definitin f 2. Any arrangement in which gds, services r mney are received in exchange fr a prmise t repay at a later date 3. A definitin f 3. The assessment f an individual s ability t fulfill financial bligatins; a measure f the wrthiness f the brrwer 4. Definitin f debt 4. The result f using ; smething, typically mney, that is wed r due 5. Examples f revlving 6. Characteristics f revlving 7. Examples f installment/term 8. Sme characteristics f installment/term 9. Examples f nninstallment/service 10. Characteristics f nninstallment/service 11. Definitin f secured 12. Definitin f unsecured 5. Credit card; persnal line f ; hme equity line f 6. Open-ended and can be secured r unsecured; brrw at any time up t a limit set by the r; flexible payments with a minimum payment required; minimum payment usually a percentage f the balance due; peridic finance charges cmputed n unpaid balance 7. Hme mrtgage; car lan; student lan 8. Clsed-ended and can be secured r unsecured; brrw a specific amunt fr a specific purpse fr a specific amunt f time at a given interest rate; lan term, lan amunt, number and dllar value f payments, and ttal finance charges agreed upn at start f lan; typically has fixed number f payments f predetermined amunt 9. Cell phne plan; utility bill 10. Unsecured; paying fr a service that has already been used; payment in full is required by a specified date; interest is nt charged; failure t pay within specified time may result in service fees and/r discntinuatin f service 11. Lans that require the brrwer t prvide cllateral t guarantee repayment f the debt 12. Lans that are granted based nly n the brrwer's wrthiness, rather than by a type f cllateral. 13. Definitin f principal 13. The riginal amunt f mney brrwed r still wed n which interest is charged 14. Definitin f interest 14. The price brrwers pay fr the use f mney they brrw frm a lender 3

4 Cncept/Term Example/Definitin 15. Definitin f interest rate 15. The price paid fr using smene else s mney, expressed as a percentage 16. Definitin f APR 16. The interest rate charged n the amunt brrwed; reflects the annual cst f brrwing mney 17. Definitin f nminal APR 18. Definitin f effective APR 17. The interest rate that is stated n a lan 18. The type f APR that includes fees that have been added t the balance f the lan 19. Definitin f lan term 19. The length f time allwed fr the lan t be repaid 20. Definitin f cards 21. Three transactin types available n a card 22. Examples f card incentives 23. Definitin f histry 24. Definitin f reprt 25. Definitin f scre 26. Impact f a high scre n interest rates 27. Impact f a lw scre n interest rates 28. The three majr bureaus 29. The five cmpnents f a scre 30. The cmpnent f a scre that makes up the largest part f the calculatin 20. A high interest, revlving, unsecured lan 21. Purchases; balance transfer; cash advance 22. Lw prmtinal rates; special stre discunts; reward pints; cash back rewards 23. A cllectin f infrmatin that lists bligatins and yur recrd f payment t these rs ver a lng perid f time 24. Cntains detailed infrmatin f yur brrwing and repayment habits 25. The numerical representatin f hw yu handle yur financial bligatins; a snapsht f yur level f risk t a lender at a specific pint in time 26. A higher scre equals a lwer cst f brrwing 27. The cst f brrwing (interest rates) will be much higher 28. Equifax; Experian; TransUnin 29. Payment histry; amunts wed; length f histry; new ; types f used 30. Payment histry makes up 35% f the scre calculatin 31. Uses f scres 31. Lenders, insurers, and emplyers use scres and ther infrmatin t set lan and insurance rates, review jb applicants, and apprve service cntracts fr things like cell phnes and cable r satellite TV. 32. Respnsibilities when using 33. Definitin f emergency fund 32. Paying debts as agreed; fllwing the terms and cnditins f the agreement mnths wrth f living expenses 4

5 Cncept/Term Example/Definitin 34. Definitin f wage garnishment 34. A curt rder t yur emplyer t autmatically deduct funds fr the lan payment frm yur paycheck and send the funds t the lender 35. Definitin f cllateral 35. Smething f value an asset r prperty that yu pledge when getting a lan; if yu dn t repay the lan as agreed, the lender can take yur cllateral and sell it. 36. Factrs that influence the APR that yu get in any arrangement 37. Advantages f having a card 38. Disadvantages f having a card 39. The website fr getting yur FREE reprt 40. Definitin f the pprtunity cst f 36. Yur histry; current finance rates; cmpetitin; market cnditins; special ffers 37. Having gds and services nw while paying fr them later; earn incentives fr card use; cnvenience; nt having t carry cash; being able t pay fr emergencies; purchasing gds r services yu culdn t therwise affrd with cash 38. Misuse f may result in bankruptcy; it is easy t spend even thugh yu dn t have mney t pay fr the item; pssible identity theft; can cst mre than paying in cash; misuse f restricts future incme; misuse f may result in higher csts When is used t make a purchase, we give up the purchasing pwer f mney earned in the future t pay fr past purchases. 2 FREE POINTS CONGRATULATIONS! Yu get 2 FREE POINTS and get t stay in the game. 2 FREE POINTS CONGRATULATIONS! Yu get 2 FREE POINTS and get t stay in the game. 5

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