# Borrowing & Saving: Week 1

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1 The Minnesota Literacy Council created this curriculum with funding from the MN Department of Education. We invite you to adapt it for your own classrooms. Intermediate Level (CASAS reading scores of ) Borrowing & Saving: Week 1 Unit Overview This is a 2-week unit where students will become familiar with checking and savings accounts, as well as borrowing options for money emergencies. They will read informational paragraphs and use graphic organizers to identify main/supporting ideas and compare/contrast discussion topics. They will also calculate interest earned (savings) and interest to be paid (loans). Additionally, they will identify areas in a monthly budget where they can save money, and will use simple math to balance a budget. Focus of Week 1 Discuss checking and savings accounts and related vocabulary Use graphic organizers to compare and contrast discussion topics Use modals to make polite requests when opening up a checking account Use simple multiplication to determine interest earned by having a savings account. Identify areas of savings and create/balance a budget Minnesota Literacy Council, Borrowing & Saving Unit

4 Then give half of the class the Checking Accounts are Easy to use reading, and the other half the Savings Accounts are great! reading. As Ss finish, pair up a checking account student with a savings account student. Explain again that they need to summarize (i.e., tell each other what the MAIN POINTS of the paragraph are) in their own words. Once almost everyone has finished summarizing their paragraphs, regroup and go over the main points of each paragraph together as a class. Consider projecting a copy of each paragraph on the board using the ELMO or overhead projector and read the paragraphs for your class. You do NOT need to go over the comprehension questions, but should rather focus on identifying the main points of each paragraph. Step 3: Comparing/Contrasting In the same pairs as before, have your Ss compare/contrast the two accounts. Give each pair a copy of the Venn Diagram. Project a copy of the diagram on the board and explain what it s for (comparing/contrasting two things; discussing the similarities/differences between two things). Have them work on it for 5-10 minutes. Then regroup and go over the diagram together as a class. Minnesota Literacy Council, Borrowing & Saving Unit

6 Match the new terms to their definitions Checking accounts the amount of money in someone s checking or savings account Withdraw a machine that gives you cash Deposit an amount of money a bank charges if someone spends more money than is in their checking account ATM a place where you deposit money you want to spend soon Debit card put money in to a bank account Balance take money out of a bank account Overdraft fee a card someone can use to pay for things that is connected to a checking account Minnesota Literacy Council, Borrowing & Saving Unit

8 Match the terms to their definitions Deposit take money out of a bank account Savings account a percentage of money a bank will pay someone for having money in a savings account Withdraw put money in to a bank account Interest a place where you deposit money that you wait to spend Minnesota Literacy Council, Borrowing & Saving Unit

9 Venn Diagram Minnesota Literacy Council, Borrowing & Saving Unit

10 Borrowing & Saving Unit: Week 1, Tuesday Objectives Learners will be able to Life skill: Practice opening up a checking account. Literacy: Complete sentences with the appropriate vocabulary word. Listening/speaking: Listen for specific information concerning opening a checking account and create dialogues for opening up a checking account. Transitions: Discern what appropriate information is needed for filling out a checking account application. Grammar: Use modals to make polite requests. Materials Make Student Copies Handout: Vocab Review, Student Copy Handout: Making Polite Requests Handout: Checking Account Application Make Single Copies or Reference Vocab Review, Teacher Copy Props, Technology, or Other Resources Two flyswatters Laptop, LCD projector, speakers Lesson Plan Review: Literacy (30mins) Directions: Ss will complete sentences with the new vocab words used yesterday, and also play the flyswatter game for further review. Materials/Prep: copies of Vocab Review, Teacher & Student Copy; two flyswatters. Activity 1: Life Skill/Listening/Speaking/Transitions/Grammar (70-80mins) Directions: Ss will listen for specific information regarding opening a checking account; afterward, they will write their own conversations and practice them in pairs. Materials/Prep: make copies of Making Polite Requests and Checking Account Application; laptop, LCD projector, speakers. Wrap-Up Time permitting, have Ss get into pairs and write down 5 things they learned in class. Share afterwards. Minnesota Literacy Council, Borrowing & Saving Unit

11 Teacher Directions: Review: Literacy Materials: Vocab Review, Teacher & Student copies; two flyswatters Step 1: Introduce Activity Pass out the Vocab Review, Student Copy handout as your Ss come in to class. Explain what they need to do and allow them to work on it independently for 10 minutes. If Ss finish early, pair them up together so they can check answers. This will give you a nice buffer for the late Ss. While your class is working on the handout, write the following vocabulary words on the board, in no particular order (but make sure they re spaced out): checking account interest debit card savings account withdraw deposit ATM balance overdraft fee Step 2: Flyswatter Game After 10 minutes tell your class to put their pens down and stop working. Explain that now they are going to play the flyswatter game to review these terms. Put your Ss into two teams and go over the rules: one person from each team will come up to the board with a flyswatter; you will read a vocabulary definition and they will have to SLAP the correct corresponding word. Model what you want them to do first. (They will probably be familiar with this game.) Whoever gets the word correct gets one point for his/her team. Play until all of the words have been used. Use the definitions on the Vocab Review, Teacher Copy to help you. Minnesota Literacy Council, Borrowing & Saving Unit

13 documentation required for opening up an account. Consider pairing up a weaker student with a stronger one. Once they have their conversation finished, tell them to practice it; when they feel confident with their dialogue, have them do it in front of you. Once almost everyone has practiced their conversation at least once, regroup and have a couple of pairs share their conversations with the group. Step 5: Extension - Filling out applications time permitting Explain that in order to open up a checking account, you have to fill out an application (along with bringing the required documentation). Pass out the Checking Account Application handout and project a copy on the board using the ELMO or overhead projector. Go over one section at a time, discussing any confusing parts and allowing them to fill out each section on their own after you ve discussed it. Minnesota Literacy Council, Borrowing & Saving Unit

15 Vocab Review Student Copy Complete the sentences using the vocabulary words in the box. checking account withdraw debit card balance overdraft fee savings account deposit ATM interest 1. A is a place where you put money that you want to use soon. 2. A is a place where you put money that you wait to spend. 3. If you take \$30 out of your checking account, you the money. 4. If you put \$50 in to your savings account, you the money. 5. You can take cash out of an machine. 6. A can be used to pay for things and is connected to your checking account. 7. If Jim has \$1025 in his savings account, this is his. 8. An will be charged if you spend more money than is in your checking account. 9. When you put money in a savings account, your bank will pay you for keeping the money in that account. Minnesota Literacy Council, Borrowing & Saving Unit

16 Making Polite Requests Use the modals (can/could, would/will) to complete the sentences below. Try and use all four modals. 1. you please pass me the pen? 2. I like to open up a bank account please? 3. you give me your social security card? 4. you repeat that please? 5. you speak more slowly please? 6. you give me that paper over there? 7. you mind watching my purse for a minute? 8. you sign here? 9. you be quiet please? 10. you drive me to the bank tomorrow night? Minnesota Literacy Council, Borrowing & Saving Unit

17 Checking Account Application Minnesota Literacy Council, Borrowing & Saving Unit

18 Borrowing & Saving Unit: Week 1, Wednesday Objectives Learners will be able to Life skill: Calculate interest earned by having a savings account. Literacy: Read a table for information. Listening/speaking: Ask and respond to wh-questions regarding savings accounts. Transitions: Read a table and organize the information into a venn diagram; Use simple multiplication to determine interest earned. Grammar: Use modals to make polite requests. Materials Make Student Copies Handout: Making Polite Requests Handout: Venn Diagram Handout: Calculate the Interest Make Single Copies or Reference Savings Account Options Props, Technology, or Other Resources ELMO or overhead projector Calculators Lesson Plan Review : Grammar (25mins) Description: Ss will complete sentences using modals. Materials: copies of Making Polite Requests; ELMO or overhead projector. Activity 1: Literacy/Listening/Speaking/Transitions (50mins) Description: Ss will use a venn diagram to organize information about three different savings plans. Materials/Prep: make one copy of Savings Account Options and multiple copies of Venn Diagram; ELMO or overhead projector. Activity 2: Life Skill/Transitions (30mins) Description: Ss will calculate potential interest earned for having savings account at different banks. Materials/Prep: make multiple copies of Calculate the Interest; calculators; ELMO. Wrap-up Ask Ss to tell you what they learned today. Minnesota Literacy Council, Borrowing & Saving Unit

21 Step 2: Calculating Interest Put Ss in to pairs and pass out the Calculate the Interest handout. Pair up a weaker student with a stronger student. Have the stronger student explain the calculation to the weaker student, and have the weaker student input the information in to the calculator. Step 3: Checking Comprehension Time permitting, project the handout on the board and go over each answer as a class. Minnesota Literacy Council, Borrowing & Saving Unit

22 Making Polite Requests What are the four modals you learned yesterday that help you express requests politely? Write them here:. Use those modals to complete the sentences below. 1. you please pass the salt? 2. I like to open up a bank account? 3. you give me your social security card? 4. you repeat that please? 5. you speak more slowly please? 6. you give me that pen over there please? 7. you mind watching my purse for a minute? 8. you sign here? 9. you be quiet during the movie please? 10. you drive tomorrow night? Now write 5 questions of your own using modals. Minnesota Literacy Council, Borrowing & Saving Unit

23 Savings Account Options Teacher copy Bank Affinity Plus Credit Union TCF Bank Wings Financial Credit Union Plan requirements \$10 minimum balance - \$25 minimum to open account - \$100 minimum balance to avoid fees \$5 minimum balance Application Requirements - Must be 18 or older and a US citizen - Valid ID - SSN - Must be 18 or older and a US citizen - Valid ID - SSN - Must be 18 or older and a US citizen - Valid ID - SSN Fees none 1% \$4 monthly maintenance fee.5% none 1.5% Interest rates Venn Diagram Example Minnesota Literacy Council, Borrowing & Saving Unit

24 Venn Diagram Minnesota Literacy Council, Borrowing & Saving Unit

25 Calculate the Interest Using the interest rates from the three banks, figure out how much money you would make for having a savings account at each bank. 1. If you saved \$100 this year, how much would you make in interest at: Affinity Plus Credit Union? 100 X.01 = TCF Bank? 100 X.005 = Wings Financial Credit Union? 100 X.015 = 2. If you saved \$500 this year, how much would you make in interest at: Affinity Plus Credit Union? TCF Bank? Wings Financial Credit Union? 3. If you saved \$700 this year, how much would you make in interest at: Affinity Plus Credit Union? TCF Bank? Wings Financial Credit Union? 4. If you saved \$1000 this year, how much would you make in interest at: Affinity Plus Credit Union? TCF Bank? Wings Financial Credit Union? Minnesota Literacy Council, Borrowing & Saving Unit

29 Teacher Directions: Activity 2: CASAS Test Practice Materials: Reading Test Practice; ELMO or overhead projector Step 1: Independent Practice Before distributing the questions, remind learners that this is practice for their reading test. During the test they should not talk, look at their notebook or dictionary, or look at other Ss papers. Pass out the Reading Test Practice handout. Give everyone 5 minutes to complete questions 1-4. Use this time to walk around the room and see who has easily mastered this skill and who might need extra practice. Step 2: Reviewing Answers Use the ELMO or overhead projector to review the questions. Invite a student to come up and circle the correct answer. They should also circle the information in the question that helped them find the correct answer Minnesota Literacy Council, Borrowing & Saving Unit

30 Calculate the Interest Yesterday you learned about three different savings plan options. One was at Affinity Plus Credit Union. Their plan offers a 1% interest rate. The second one was TCF Bank. Their plan offers a.5% interest rate. The last one was Wings Financial Credit Union. Their plan offers a 1.5% interest rate. Using this information, answer the questions below. 1. If you saved \$300 this year, how much would you make in interest at: Affinity Plus Credit Union? 300 X.01 = TCF Bank? 300 X.005 = Wings Financial Credit Union? 300 X.015 = 2. If you saved \$900 this year, how much would you make in interest at: Affinity Plus Credit Union? TCF Bank? Wings Financial Credit Union? 3. If you saved \$1,500 this year, how much would you make in interest at: Affinity Plus Credit Union? TCF Bank? Wings Financial Credit Union? 4. If you saved \$5,000 this year, how much would you make in interest at: Affinity Plus Credit Union? TCF Bank? Wings Financial Credit Union? Minnesota Literacy Council, Borrowing & Saving Unit

31 Reading Test Practice 1. Which checking account must have a minimum balance of \$5,000? A. Free Checking B. Progressive Checking C. Free2BU D. Interest Reward 2. Which checking accounts have monthly fees? A. All of them B. None of them C. Interest Reward D. Progressive Checking 3. Which checking account gives you free checks for life? A. All of them B. None of them C. Interest Reward 4. How many checking accounts allow a \$0 balance? A. All of them B. None of them C. 3 D. Progressive Checking D. 4 Minnesota Literacy Council, Borrowing & Saving Unit

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