STORY TIME IS THE BEST TIME

• Grab a book

• Read through the savings and investments reading. QUIETLY!

• Highlight and underline as necessary.

• Answer the questions on the back.

• Return the textbook

• Come show me when you are done.

• Then create a card for Papa David

• Roll Call Question: Would you rather be a unicorn or a wizard?

• Take 5 minutes to make Papa David a card. He was diagnosed with cancer a month ago and he will have surgery on Monday. Give him words of encouragement during this scary time.

ACTIVITY TIME• Finish STONER AND BITER posters

• You will need to work together to accomplish this assignment

• Everyone will be working at all times

• If I see that you aren’t working, I will take 10 points off your score for this assignment for EACH infraction

• Everyone has a sheet that needs to be filled out and everyone must work on the poster at some point

• Roll for it

BUSINESSES ARE UP AND RUNNING!

• 1 Pizzeria - Aayush • 2 Bakery – Daniel• 3 Coffee Shop – Jillian • 4 Clothing Store – Brooke• 5 Jewelry Store – Michael • 6 Grocery Store –Brian • 7 Barber Shop/Beauty Parlor – Maddie• 8 Apple Orchard – Sam• 9 Deli – Carla• 10 Frozen Yogurt Shop -• 11 Movie Theater - Grace, • 12 Florist – Rebecca • 13 Butcher – Kyle • 14 Candy Shop –• 15 Music Store –

BUSINESSES ARE UP AND RUNNING!

• 1 Pizzeria - Josh• 2 Bakery –Brooke• 3 Coffee Shop –Joe• 4 Clothing Store –Justin• 5 Jewelry Store –CJ • 6 Grocery Store –Viet• 7 Barber Shop/Beauty Parlor –Gabe• 8 Apple Orchard –Kyle P.• 9 Deli –Damaris, • 10 Frozen Yogurt Shop - Grace • 11 Movie Theater - Kate• 12 Florist –Khalil• 13 Butcher –Arjun• 14 Candy Shop – Chase• 15 Music Store –

BUSINESSES ARE UP AND RUNNING!

• 1 Pizzeria - • 2 Bakery – Mekaia• 3 Coffee Shop – Cassie• 4 Clothing Store – Robby• 5 Jewelry Store – Alex H. • 6 Grocery Store – • 7 Barber Shop/Beauty Parlor – Liz• 8 Apple Orchard – Omid• 9 Deli – Luke M. • 10 Frozen Yogurt Shop - Issac • 11 Movie Theater - Noah• 12 Florist – • 13 Butcher – Nick• 14 Candy Shop – Karolan• 15 Music Streaming Company - DMya

FIRST YOU ARE PRODUCERS

• Your group has now selected a business. Give it a name!• Now describe the factors of production

you will need to create the goods/services (Land, Labor & Capital)• You will then explain how your supply

could increase OR decrease using the STONER acronym

NOW YOU ARE CONSUMERS • Now you will be the consumer of another groups business • Business will shift Clockwise• You will use the BITER acronym to explain how your demand could increase OR decrease • If you want responses in a certain color, please provide the marker at the time of the exchange.

GRAPH IT!

• Look at the back of your sheet•Graph the shifts in supply you came up with•Graph the shifts in demand your consumers came up with

6.4 INVESTMENTSCompare risk and return between the various types of investments

WHY SHOULD WE INVEST???

• 1. We can reach our financial goals • 2. Cover Emergencies • 3. Make Major Purchases • 4. Provide for Retirement • Tid-Bit: 87% of retirees are retiring with income of $10,000 or less

KEEP THIS IN MIND!

•The lower the risk, the lower the return•The higher the risk, the higher the return

BONDS

• Definition: loan to a business or company for a certain amount of time. You earn interest during that time

• Risk: Essentially risk-free, but keep in mind the reliability of the company or government you are loaning to.

• Return: Because the risk is lower, the return is also not as high as other forms of investment

STOCKS• Definition: owning a part of a company where you

receive part of the profits the company makes

• Risk: very volatile – they fluctuate in value on a daily basis and there is no guarantee that you will make money

• Return: relatively high returns compared to bonds

MUTUAL FUNDS • Def: A collection of stocks and bonds. You pool your

money with other investors and have your Broker buy many different stocks and bonds then split the profits between all investors

• Risk: Because you are not putting all your money in one stock or bond, there is less risk.

• Return: Having a broker guide your investments helps you achieve higher returns, because of their knowledge of the market

SAVINGS • Definition: a bank account where you deposit

money that you do not use on a daily basis. You can also earn interest!

• Risk: very low-risk, as you can access your money at anytime and the bank keeps it safe

• Return: lower return (due to low interest rates) than other investments, but also more stable

CERTIFICATE OF DEPOSIT (CD)• Definition: an account where you deposit money

and earn interest, but cannot readily access it for a certain amount of time

• Risk: low risk as they are insured by the FDIC (Federal Deposit Insurance Corp.)

• Return: Much higher return than a savings account because interest rates are much higher.

COMPETITION VIDEO

• https://www.youtube.com/watch?v=PzDthFTzEa0

INVESTING

• stocks & bonds   https://www.youtube.com/watch?v=TnLeJ62qqCsmutual funds  https://www.youtube.com/watch?v=07E1hFlyg-ocds https://www.youtube.com/watch?v=fB2Ui1HDX98