Survivor

Challenge TwelveName four potential sources of income.Final Challenge

Salary, wages, and tipsProfits from businessRents from rental properties ownedDividends and interest from investments or savings accounts58Challenge NineName three Avengers (from the movie).NEXT QUESTION

Hulk, Iron Man, Captain America, Thor, Nick Fury, Black Widow, Hawkeye49Question TwelveWhat is the maximum amount you can be forced to pay if someone steals your credit card?

AnswerFinal ChallengeFill out the given checks, deposit slips, and register to balance your checkbook!

Credit Benefits vs. Risks Good credit makes life easierFinancial flexibilityMore opportunitiesToo easy to mess upLate feesOverspendingLoss of opportunities

Your Score and Credit ReportYour Credit ScoreDetermines how likely you are to get a loanYour Credit Report is free once every twelve months EquifaxExperian TransUnionDont pay if you dont have to

Your Credit Report

Explain that this is the homepage for the website for FREE credit reports. Websites like freecreditreport.com want you to sign up for membership.7Whats On It?Basic demographic infoNameSSNCurrent and former addressesOpen and closed accountsCredit historyReview regularly to check for errors and fraud

Show simplified credit report explain that this is very simplified and is only giving them an overview of the information that will appear on the report. Each credit bureaus reports will look different and may require some time to figure out. 8Why is it Important?You give others permission to look at itEmployersLoan applicationsApartment applicationCredit card applications (including store CC)Negative information stays on in it for 7 years

What if its Wrong?Notify the reporting agencyCopies (not originals) supporting documentationClearly identify errorsState facts request deletion or correction of incorrect information

What if its Wrong?Notify the business or creditorSend same information sent to the creditor that provided information to the Credit BureauAgency must reinvestigateIncorrect information will be deleted or corrected Take it to the BankOpening an accountWhich bankWhat type of accountProvide personal information2 forms of IDCash for depositBenefits of your accountWatch Yo MoneyDeposit slipsChecksCheck registerExplain to the 13Filling Out a Check

ABCDEFGHGo over the parts of a check with the group. Call on different people in the group to explain what each letter represents.DateName of Person or Business that the check is forNumerical version of amount of check, i.e. $15.00The written out version of the amount of the check , i.e. Fifteen Signature of person writing the checkA note to yourself about the purpose of the checkAccount numberYour information14Filling out a Deposit Slip

A. Account Number: This number ensures that the money is deposited in the correct account. If you do not have your account number with you, your bank can provide the information for you.B. Signature: You will have to sign the deposit slip and provide ID to confirm you are the account holder, if you would like to withdraw money from your deposit.C. Date: Write todays date.D. Your Information: Your name and address are preprinted on the deposit slip.E. Cash: If you are depositing cash, write the total amount here.F. Checks: If you are depositing checks and/or money orders you must list each individually. There is additional space on the back of the slip if more room is needed.G. Subtotal: Add the checks, money orders, and cash and write total here.H. Less Cash Received: Use this space to write the amount you would like to get back from the deposit.I. Total: This is the total amount you will deposit in your account

15Tracking your Money

Explain to the youth the importance of tracking how they are spending their money. While online banking is very helpful some transactions such as checks that you mail and some debit card transaction are not recorded immediately.16Bank Statement

17Financial SurvivorCan your team outwit, outplay and outlast your opponents to be the ultimate Survivor?

18Survivor - Created by Lora ONeill and Bridget S. 2/6/2006, email: themathelk@hotmail.comMusic from freeplaymusic.comAdapted from template from TCEA 2002

How to setup the game:Use the outline tab to fill in your questions and answers. Print out 6 copies of the Immunity Idol or roll paper into a diploma.

How to use the game:Questions will appear in order. They can give you an answer. Click on answer to display the correct answer. When youve given the appropriate points, click Back to the board to choose another question. The question you were just on should be gone now.

If they get the question correct, they get the point and a chance at the bonus. Click on challenge to give them the bonus question. If they get the question wrong, click on question and itll skip to the next question.

Teams: You could have teams write down the answers so everyone gets to answer all the questions. Then those who got the question wrong would put their white boards down while the other teams can answer the challenges.Meet the TribesMoolaBreadC-noteScrilaBenjisGrip

You can change the names of the tribes that make more sense for your group of youth.19ImmunityUse your immunity idol to pass on a question or challenge. You must surrender the idol once it is used.Decide how youth earn the immunity idol.20ChallengesEach time you get a question right, you get a challenge and a chance at bonus points.The Final ChallengeThe secret final challenge will be revealed at the end of the game for additional points.Good Luck Survivors!Question OneHow long can negative financial information stay on your credit report?Answer23Putting it TogetherDetermine how many points your team will risk. Complete the final challenge.

Congratulations!You have survived!

SurvivorCreated by Lora ONeill and Bridget S. 2/6/2006email: themathelk@hotmail.com

Adapted from Template TCEA 2002Music from freeplaymusic.com

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