RTSWS MOBILE APP
To download the new RTSWS Mobile App, please follow instructions below.
STEP FOUR You will be prompted to SELECT YOUR ROLE for the RTSWS Program. Please select I AM A VOLUNTEER.
STEP SIX You will see a WELCOME SCREEN. Click CLOSE . If you haven’t submitted a background check form within the last two years with RTSWS, you will see a banner indicating that we will reach out with further instructions. All registrants are now able to explore and use the RTSWS mobile app .
Have Questions Or Need Help?
STEP TWO Follow the instructions to install on either iOS or Android. Please read instructions carefully.
STEP THREE Once you have added it to your mobile home screen, click the LOGIN button. If you don’t have an account click “Sign Up”.
STEP FIVE Complete the VOLUNTEER REGISTRATION.
ALL VOLUNTEERS MUST REGISTER USING THE APP. The app can be used to view your RTSWS session schedule workbooks and program surveys , view registered volunteers and important contacts , etc.
Email KATIE REYNOLDS at katherine.r@rockthestreetwallstreet.com
STEP ONE Scan the QR code to the right or, using your mobile device, or go to app.rockthestreetwallstreet.com
GREEN UK INSTRUCTOR WORKBOOK • TABLE OF CONTENTS RTSWS Mission and Vision I RTSWS History II RTSWS Locations III The 4 Components of RTSWS IV RTSWS Goals V An Open Letter to Our Volunteers VI Article: Math Anxiety VIII Statistics XI Article: Closing the STEM Gender Gap XII Classroom Management Tips XVI Workshop Sessions Overview XXII Green Assessment Questions XXV PRE-SESSION #1 PREP INFO PS1.1 SESSION 1 1 Pre-Assessment 4 Stock Market Review 9 Yahoo! Finance Instructions 14 Session #1 Bonus Material 16 PRE-SESSION #2 PREP INFO PS2.1 SESSION 2 18 Stock Market Review 29 Project: Financial Planning for Janella 34 Janella’s Monthly Budget Worksheet 40 Session #2 Bonus Material 41 PRE-SESSION #3 PREP INFO PS3.1 SESSION 3 44 Stock Market Review 48 Project: Financial Planning for Janella 52 Session #3 Bonus Material 56 PRE-SESSION #4 PREP INFO PS4.1 SESSION 4 60 Stock Market Review 66 Project: Financial Planning for Janella 70 Financial Planning Presentation Chart 71 Session #4 Bonus Material 74 KEY TERMS GLOSSARY 78 PRE-SESSION #5 PREP INFO PS5.1 SESSION 5 82 Stock Market Review 84 Post-Assessment 88 Financial Planning Presentations 89 Session #5 Bonus Material 92 RESOURCES 94
Rock The Street, Wall Street is reaching young women at their local secondary schools. We ofer young women a fight path to a fnancial education through hands-on fnancial projects, workshops, role modeling, mentoring and real-life fnancier experiences. Girls are introduced to fnancial concepts such as savings, investments, post-secondary and university fnancial preparedness, budgets, stocks, bonds, fnancial analysis, venture capital and private equity.
# GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTION
OUR MISSION Rock The Street, Wall Street is a fnancial and investment literacy program designed to bring both gender and racial equity to the fnancial markets and spark the interest of secondary school girls into careers of fnance. Girls learn about saving, investments, budgeting, stock and capital markets and their role in maintaining the welfare of their families, communities and the economy, while simultaneously helping them see the real world application of the math content they learn in the Rockclassroom.TheStreet, Wall Street believes to close the gender gap in the wages, wealth and in the fnancial services sector, we have to inspire girls to pursue the M in STEM and fnance, by exposing them to real life role models. The number one reason why girls are not choosing STEM professions - they don’t see women in those professions. The number two reason - they don’t see their friends choosing those majors in university. We engage female fnancial pros who walk the talk on all matters fnancial. They teach and motivate the next generation. Our students see girls in their RTSWS cohort choosing fnance, economics or a related computational feld as their majors/minors. Whether they choose the profession or head into another feld, our students are far better prepared for critical decision making on all types of fnancial and career prep matters.
Rock The Street, Wall Street hopes to break the cycle of multi-generational fnancial naivete so that girls have a better chance at improving their lives, their households and their communities. Women continue to confront barriers to full equality at all levels; most critically of which is in their fnancial lives. This is even more egregious for women of color, where they earn, save and invest at lower rates. In university fnance and economics classrooms, girls are few in number. As a result, their opportunities in pay, promotion and life are unequal. Equipping girls with fnancial skills is a vital part of ensuring equal opportunity. Financial literacy is The Great Equalizer.
ABOUT ROCK THE STREET, WALL STREET I
OUR VISION
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
OUR HISTORY
RTSWS conducts programs before and after school, during lunchtime and within school courses. Girls participate in fnancial, hands-on projects while in secondary school to overcome their fear of math and fnance, and see career opportunities that lie ahead for them should they choose to enter into the fnancial services industry.
Established in 2012, this year Rock The Street, Wall Street celebrates 10 years. There is a fnancial and investment illiteracy epidemic. Student loan balances are the highest they have ever been and women own two-thirds of the outstanding university debt. Young people are putting less and less away in their retirement accounts than ever before. Two out of three women state that they know little or nothing about fnance or fnancial products. Seeing that the needle hasn‘t moved in the last 30 years in regard to the number of women in fnance and the lack of women in leadership roles across all investment sectors, it was time to Rock the Street!
RTSWS brings together secondary school girls with female fnancial and investment professionals in classroom and industry settings. At a minimum, RTSWS would like to see girls not be afraid of fnance, so that they can make better informed decisions which will lead to better lifestyles for themselves, their families and their communities.
ABOUT ROCK THE STREET, WALL STREET IIGREEN UK INSTRUCTOR INTRODUCTION
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTIONIII OUR LOCATIONS
RTSWS ofers its programming in over 60 secondary schools across 35 cities in the United States, Canada and the United Kingdom. Our current locations are shown below. Atlanta, GA Austin, Nashville,Minneapolis,MenloLondon,Indianapolis,Houston,Honolulu,Greenwich,Gallatin,DesDenver,Dallas,Columbus,Chicago,Charlotte,Boston,TXMANCILOHTXCOMoines,IATNCTHITXINEnglandPark,CAMNTN
Since our launch, more than 4,000 girls have graduated from our year-long program.
Newark, NewNewport,NJRIOrleans, LA New York, NY Omaha, Washington,Vancouver,St.SanSanSanSaltRaleigh,Portland,Pittsburgh,Philadelphia,Pasadena,NECAPAPAORNCLakeCity,UTDiego,CAFrancisco,CAMateo,CALouis,MOCanadaD.C.
RTSWS ofers fnancial and investment literacy workshops on secondary school campuses. The workshops are led by volunteer, female fnancial professionals. In addition to the curriculum, our instructors rip from the fnancial headlines to bring current events into the classroom, showing their connection to stock and bond market movements. Our students learn about saving, budgeting and investing from women employed by local investment frms, pension funds, banks, accounting frms and treasury departments. Who better to teach fnancial concepts than those individuals who work in the industry on a daily basis?
4. ALUMNAE & BEYOND | RTSWS Internship & Job Portal
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1. FALL | Financial and Investment Hands-On Workshops
3. SPRING | Mentorship Program
Our fnancial female professionals ofer a frst-hand, and very often a frst-time view, into the world of business. The mentor provides guidance to the protege about career preparedness, university major and minor choices and life challenges. Mentors fnd ways to spark girls’ interest in being fnancially responsible for themselves. Mentors, too, can serve a dual role as teacher and connector. RTSWS volunteers provide social capital - the critical, yet often missing ingredient in STEM career prep programs, that allows for industry discovery and networking at an early age for our students.
2. FALL | Wall Street Experience Field Trip
THE FOUR COMPONENTS OF ROCK THE STREET, WALL STREET
How better to inspire young women to work in fnancial services than taking them on an eye opening “Wall Street experience” feld trip? Our students will visit a company in the local fnancial services industry, corporate fnance department or a treasury department. These experiences ofer students an opportunity to see positive female fnancial role models at work, ask candid questions and visualize their own fnancial career paths.
The RTSWS Internship & Job Portal is a resource for RTSWS students and alumnae seeking internships and job opportunities in fnance, economics and related felds. Firms looking for emerging fnancial talent have access to posting opportunities. Our secondary school students have completed fnancial project-based activities, which unveil fnancial independence along with the exploration of fnancial careers. We fnd and develop talent early. We make the unfamiliar, familiar. Our students focus on their interest in fnancial careers for one simple reason - because they are aware of them.
There are three components to the academic year program - fnancial and investment literacy workshops, “Wall Street experience” feld trips to local fnancial frms and a unique, formalized mentorship program. A fourth component emerges post-graduation, the RTSWS Internship & Job Portal.
GREEN UK INSTRUCTOR INTRODUCTION
GREEN UK INSTRUCTOR INTRODUCTIONV
OUR GOALS
• Increase fnancial and investment literacy of girls at a young age so that they are aware of the fnancial responsibilities AND opportunities of post-secondary life, university life, at work, at home and in their communities.
Increase the number of women studying fnance, economics or related computational business felds.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
• Close the gender and racial gap in wages, investments and wealth accumulation for all women.
•
• Become the go to internship and job portal for emerging, diverse talent in the fnancial services industry and beyond.
• Teach girls on how being fnancially independent is key to living a self-determined life.
• Provide a pathway to better lifetime money management, academic performance and university preparation.
• Create an early pipeline of female talent so as to increase the number of women who enter into the fnancial services industry.
• Coach students on resume building.
• Open girls’ minds to math-focused felds of study as compatible with a career that has a positive impact on the world.
• Foster students’ continued growth in fnance through their university years and into the workforce.
• Create a longitudinal cohort of girls who can network with each other across cities, states, countries, socio-economic lines and industries.
• Spark girls’ enthusiasm for fnance at a critical age and make them aware of the societal benefts personal fnancial knowledge and mathoriented careers can have.
• Create the social capital between students and female fnancial professionals that will enable students to get a jumpstart on their personal money management behavior and on their university and work lives.
• Provide career discovery by ofering job shadowing and/or industry summer internships.
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Thanks to you, Rock The Street, Wall Street is assimilating more and more girls to their future fnancial selves. Many are joining us, too, on a second journey - that of a career in fnance. The records show we are successful in bringing out an “Investor Identity” in the girls we meet. This fall, we anticipate enrolling well over 1,200 girls in 60+ high schools across 35 cities in the U.S., LETTER TO VOLUNTEERS UK INSTRUCTOR INTRODUCTION VI Canada and the U.K. These students will be provided with the knowledge of how to budget and save, and equally as important, the tools to invest. This exposure as well as portfolio and market tracking is leading to a burgeoning familiarity with the fnancial markets which will lead to their greater participation in the capital markets as they age.
Changing individuals one at a time is not enough. I knew this ten years ago, when I launched RTSWS. We are successfully bringing together the private and public sectors. To truly mitigate gender and racial discrimination in the capital markets and in the workplace, solutions need to address industrial and cultural stereotypes and practices. Girls need to see, relate and interact with role models in the M of STEM and the industry needs to dip down to the high school level to get BIPOC and low income populations to apply for jobs at their frms.
Paying It Forward YOU are creating societal and industrial change.
GREEN
High school is where students are on the cusp of whether or not to go to college, which college, and which studies they should pursue. If we
Creation of easier points of entry into higher paying careers and less barriers for advancement are needed. Rock The Street, Wall Street is providing course work, testing, mentoring, job preparedness, and the social capital and connections into an industry which heretofore was typically recruiting at only elite schools. For the frst time, a consistently diverse population of girls both racially and socioeconomically, are being coached and interviewed for high paying STEM internships and careers in the M of STEM.
AN OPEN
Woolf, S., Chapman, D., Hill, L., Schoomaker, H., Wheeler, D., Snellings, L., Hyung Lee, J. (2018, Oct).
“To have a stable economic future, people need not only income but also the means to build wealth such as savings, retirement funds, and assets (e.g., a home) to serve as an economic cushion during hard times. All these factors shape health; families who have trouble making ends meet are forced to forego medical care, prescription medicines, and other costly resources needed for their health.”
Uneven Opportunities: How conditions for wellness vary across the metropolitan Washington region. VCU Center on Society and Health
GREEN UK INSTRUCTOR INTRODUCTION
I launched RTSWS 10 years ago at three schools in Nashville, Tennessee after completing my masters thesis on how we lose girls in Math at age nine in the U.S. Convinced that all we had to do was lift the veil on how fnancial math is, for the most part, nothing more than 6th grade math and how versatile and rewarding a career in fnance can be, we could reset the image teenage girls have of the fnancial services industry and have them join us at our workplace.
We are changing who we invest in to change what we invest in. And guess what… It’s happening as is evidenced by the outcomes and growth noted above. I couldn’t be more thankful for the growing army of volunteers around the globe who want to change their workplaces and their communities. With your continued involvement, we can accomplish even more.
RTSWS Vocational and Career Platform/ RTSWS Internship and Job Portal
waitVII until they get to college, we have waited too long as the research shows females represent only one in ten students in college math, fnance, economics classes and that number hasn’t changed in over 50 years. Intervention in this existing pattern is key. You are intervening. And guess what? The intervention is having an impact. Our students, on average, have shown a 78% increase in their fnancial and investment literacy. And our alumnae are pursuing fnance, economics and related computational business degrees at 5 times the rate of an average female attending college.
We are also expanding our alumnae department this year as our students have aged up into college and beyond. We are launching this Fall, the RTSWS Vocational and Career Platform. This will assist students in honing their job searches,, identifying and working toward career goals, fnding suitable internship and job openings, securing referrals and connections to employers and boosting networking skills. We are thrilled to organically grow into this next stage of development in our mission.
Hello London! School year 2021 - 2022 saw our very frst international locationVancouver, Canada. This year, we are thrilled to announce that we will be launching our frst European chapter in London, England. With interest in launching our program coming in from over 100 US cities and international locations such as Mexico City, Singapore and Sydney, we are just getting started in the overseas markets. We can’t wait to meet our London volunteers, students and teachers!
10th Anniversary It’s been heady.
We were blown away by the interest the industry has in getting the next generation of diverse female fnanciers into their ranks as is evidenced by the number of frms that are posting their internship and entry level job positions on our recently launched, (August 2021) RTSWS Internship and Job Portal. Seventy plus world class frms are registered with us and they have posted, to date, close to 300 opportunities. And that directory keeps growing as we hear from an expanding list of frms who want to post their opportunities. Rock The Street, Wall Street is becoming the “go-to” portal for fnding emerging, diverse female talent. (If your frm wants to learn more about how to get their listings published on our site, please contact sarah.s@rockthestreetwallstreet.com.)
Your version of shine is a search light. Thanks for spreading so much good by helping to create gender and racial equity in the capital markets and in your workplace. Maura Cunningham Founder & CEO - Rock The Street, Wall Street
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
A recent global survey revealed that UK students are more anxious about mathematics than anywhere else in the world. Maths anxiety is a psychological barrier that’s affecting many children from their early school years. Why are children forming negative perceptions of maths in the UK, and what concerns and challenges does this raise?
ARTICLE
Why are students afraid of mathematics in the UK?
Khurma believes that the “uncommonly high prevalence of maths anxiety in the UK” may be caused by “an outdated approach to maths teaching generally, a culture less focused on excellence in these subjects, and a shortage of role models.”
MATH PERCEPTIONS RESULTS
The results reveal that it’s common for students to stress over maths studies and to not believe in their own abilities. In recent years, the child mental health crisis in the UK has become an increasing concern, with fve students in every classroom of 30 now thought to have a mental health problem. While exact fgures of UK students experiencing conditions such as anxiety and depression are unknown, this latest study suggests that stress and low self-esteem are commonplace, increasing the risk of mental health problems. Manan Khurma, founder and chairman of Cuemath, highlights an additional concern: “Maths anxiety - and how to reduce it - should be of great concern to any country wanting to educate a generation capable of dealing with 21st century challenges and succeeding in the modern job market.”
UK students have the most negative perceptions Globally many students believe they cannot do maths Female students have higher maths-related anxiety than males14-year-old25%.students fear maths the most 26% 40% 25% 33%
Authored by Amberley Davis · Reviewed by Dr Sarah Jarvis MBE 02-Jan-22 www.patient.info/news-and-features/why-are-uk-students-the-most-stressed-over-studying-maths
over-studying-maths
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTION VIII
Perceptions of maths global survey In December 2021, a global survey led by global maths EdTech company Cuemath found that UK students experience the most math anxiety out of 20 participating countries. The survey analysed how students aged 10-17 felt about mathematics studies, including their attitude, confdence and self-belief in their maths skills.
According to the survey, this maths anxiety takes seed in a child’s early school years and grows from there, peaking at age 14-15 years. It also shows that more girls have a negative perception than boys - 25% compared with 20%.
Why are UK students the most stressed over studying maths?
A shortage of role models
The UK education system: outdated methods?
After all, research has consistently shown the signifcant impact of female role models on female students when they either show confdence or doubt in their own maths abilities.
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In the UK, the uptake of maths in further education is very low compared to other countries, which translates to a lack of role models. Whatever the reasons for this poor track record, having fewer infuential fgures in maths may do little to convince students that doing well in this area is within their reach.
Mental health in UK schools
“The UK education system is one of the most respected in the world, yet it is also very traditional,” says Khurma. “The way maths is taught and learned in UK schools can contribute to the subject being perceived as complicated, and one in which only smarter students should hope to succeed.” Cultural value placed on STEM subjects Khurma also believes that the UK doesn’t bestow the same cultural value on succeeding in STEM (science, technology, engineering and mathemat ics) subjects. These studies are considered important because they teach skills that are integral to the technological and scientifc industries that sustain economic growth.
Unfortunately, there is growing evidence to suggest that mental health issues, including anxiety and depression, are dramatically increasing in UK schools. The NEU survey found that 48% of students were experiencing panic attacks - a sudden physiological response to anxiety.
While the UK government has a STEM strategy in recognition of the importance of these subjects “to grow a dynamic, innovative economy”, ac cording to Khurma countries like India and China place a great deal more emphasis on these modules.
Poor mental health in UK schools linked to the perceived pressure to do well is also a factor that cannot be overlooked. In a 2018 National Education Union (NEU) survey of 730 education staff, 68% believed they were dealing with more mental health issues than fve years previously.
The same survey also suggests that 67% of students believed their anxiety and other mental health issues were due to pressure from schools to do well, and 48% said it was due to the burden they put on themselves to succeed. In either case, the systemic need to achieve academically is having an adverse affect on mental Poorhealth.mental health can lead to conditions such as anxiety and depression, and also result in low self-esteem, defned as the thoughts we have about ourselves, and low confdence - how we rate our own abilities.
The UK economy gains £200 billion annually from its maths talent - 10% of its overall GDP. It is easy to see the impact on a country and its economy, when it is so reliant on its math skills.”
The fact that 1 in 4 students - and as many as 40% aged 14-15 - are afraid of maths and don’t believe in their own abilities raises red fags for a crisis of anxiety, low confdence and low self-esteem in our schools.
Math anxiety also impedes learning because preoccupation with anxiety affects attention and processing speed. Research shows that being preoccupied with fear or stress can make it harder for people to access their working memory. Having low self-esteem and low confdence has also been shown to demotivate students, resulting in poorer academic performance.
Khurma believes it’s also important to make maths fun and engaging from an early age. Cuemath is a global after-school one-on-one adaptive learning programme that makes use of interactive simulations. The personalised teaching techniques are designed to increase student’s engagement by making maths learning less about abstract concepts and more of a human activity.
Why is math anxiety a big concern?
Low self-esteem and confdence levels contribute to maths anxiety, including performance anxiety and a negative perception of our maths skills.
X
GREEN UK INSTRUCTOR INTRODUCTION
Overcoming maths anxiety
Khurma goes on to highlight the knock-on effect of this widespread psychological barrier on the economy: “Math anxiety reduces the number of young adults pursuing careers needing such skills.
“Math anxiety often stems from being overwhelmed by an established body of material; a perception of orthodoxy where one must learn by heart to succeed. We advocate and teach a more nimble and versatile perspective on maths thinking, and logical problem-solving.”
Although it may not be a widely recognised issue, the high number of UK students who have anxiety toward mathematics is a cause for concern.
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Experts recommend that parents and teachers use positive reinforcement in order to build up young people’s self-esteem and confdence in their maths abilities. Some also suggest reframing anxietyfor example, having them write down and think critically about their worries regarding maths in order to help them realise the fear is illogical.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM IN THE FINANCIAL SECTOR, WOMEN MAKE UP ONLY...INCOME INEQUALITY THE PROBLEMS RTSWS HAS A SOLUTION OUR OUTCOMES GREEN UK INSTRUCTOR INTRODUCTIONXI 18% 11.3%6% 11.2%
In the UK, men outnumber women three-to-one in science, technology, engineering, and mathematics (STEM) professions (78% compared with 22%). This enormous gender gap persists, despite decades of government and private programs aimed at increasing the number of girls and women in STEM.
Closing The STEM Gender Gap: A Study of Gender & STEM Representations in UK Family Television ARTICLE © 2021 Geena Davis Institute on Gender in Media | www.seejane.org/wp-content/uploads/closing-the-stem-gender-gap-uk-report.pdf
The British Consulate General in New York partnered with the Geena Davis Institute for Gender in Media to conduct the frst systematic a ssessment of the role media plays in this persistent STEM gender gap. In this report, we examine representations of STEM characters in the top UK children’s flm, television, and streaming content. Media are infuential in shaping the values and career paths of young viewers. Understanding what messages girls, boys, and gender non-conforming kids are getting about STEM in their favorite TV shows is key to understanding whether this powerful medium is encouraging or discouraging girls from pursuing STEM
. GREEN UK INSTRUCTOR INTRODUCTION XII GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
U.S. vs U.K. U.K. has more prominent female STEM characters.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTIONXIII Media reinforces gender sterotypes about girls & women in STEM
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With a STEM character profle we get a better sense of what child viewers are seeing when they watch shows featuring their favorite STEM
Let’s compare STEM representations in the US and the UK. The percentage of female STEM characters is roughly equal, but the number of female STEM leads is much higher in the UK compared to the US. Female STEM characters in the US are twice as likely to be shown as leaders (50.0% compared with 25.0%).
Ascharacters.shown,there are more supporting STEM characters in streaming content than leading characters. Also, it is more common for characters to be engaged in STEM activities than to be in a formal STEM profession or a STEM student.
In terms of diversity in STEM character representations, family television content under-represents women, people with disabilities, characters ages 50+, and characters with large body types as compared with the broader UK population.
What We Can Do
Family TV content has a massive gender gap when it comes to STEM. Male STEM characters outnumber female STEM characters nearly two-to-one. In addition, the female STEM characters shown are twice as likely to be depicted as physically attractive as male characters. However, one-in-three female STEM characters are girls and women of color, which sends a clear message that STEM is for everyone.
We need to provide STEM role models for girls, whether they are real life STEM professionals or STEM characters in popular flms or television. Openly challenge gendered stereotypes about STEM being a male pursuit and encourage girls to pursue STEM activities and studies
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTIONXV Character Prominence
We understand that it can be intimidating or nerve wracking to lead a classroom of secondary students. The good news is our stu dents have signed up for our program so they want to be there! However, they are still secondary school students. Below, we have provided classroom management tips to be able to handle disruptive classroom behavior like a pro. In volunteering with RTSWS, if you experience any classroom management issues, please reach out to your RTSWS Program Coordinator. We are happy to help provide additional classroom management support, as well.
At the beginning of each RTSWS session, students and volunteers will review and discuss the RTSWS cohort norms. Norms are the behavioral expectations or rules of the class. Classroom norms inform us how we are expected to behave towards each other and towards the materials we use. They’re generally positive, inclusive and productive. Here are some classroom norms you can share with the students:
CLASSROOM MANAGEMENT
• Be kind and encourage one another - we are all in this together!
CLASSROOM MANAGEMENT • Set Classroom Norms • Be the Leader • Be Authentic • Share Your Story • Show You Care • Build Relationships • Have Fun!
• Ask questions, share your opinions and let the volunteers know when you do not understand something.
Set Classroom Norms and Be the Leader
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During session #1, students and volunteers will come up with the fnal two norms together. We want you and the students to establish the tone for the fall sessions and allow the students to take ownership of their RTSWS cohort. Ensure the RTSWS cohort knows the signifcance of what you are asking them to do. They are helping to establish the tone for how RTSWS will run for the fall sessions! You care about them. You want their ideas. Their voices matter. Including them in the creation process means they will remember these norms and act upon them more regularly.
• Come prepared to be a part of RTSWS with your handbook, a writing utensil and a positive attitude.
Asking students to help defne the learning environment in a way that supports their own self-advocacy skills is powerful.
What do you call a liability without any friends? A loan
GREEN UK INSTRUCTOR INTRODUCTIONXVII
• While you are there to teach the session, being in secondary school can be challenging and students’ personal lives can sometimes creep into the classroom. If you see a student who is upset or seems to be dealing with something (if you are comfortable and able to) ask her if she is okay and if she wants to go talk just outside the classroom. If the student is facing something serious please let the RTSWS School Champion or your RTSWS Program Coordinator know and we will take it from there.
• Be yourself! Secondary school students can smell someone being inauthentic from miles away.
• Pro tip: If a student is talking about a big test they are studying for or a sports game they are looking forward to, remembering this and asking her how it went in the next session always scores major points!
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• Incorporate some comedy! Studies show that students who are having fun learn more efectively.
• The more you share your story the more students will feel comfortable opening up about themselves and really engaging.
• Telling your story allows students to connect with you over related experiences and to learn from you in the areas that they difer.
Share Your Story
• Nothing is more valuable for efective classroom management than building genuine relationships with students.
• Be a good listener. Listening to their stories and learning more about who they are shows them that you care and develops a relationship.
Be Authentic
• Be honest! If you are nervous, let them know you are nervous or if you make a mistake, own up to it.
• Tell them stories about the things happening in your life (as appropriate, of course) and make connections between your own experiences and what we are learning about in RTSWS.
• Often the feedback we get from students is that they love to hear how our volunteers started their careers, what they love about their jobs, what challenges they’ve faced and where they’ve traveled to.
Show You Care & Build Relationships
_____________________________________________________________________________________Notes:____________________________________________________________________________________
Just because they may look uninterested, bored or not listening doesn’t mean that’s the case
• The more you are enjoying yourself the more they will. Our lessons are guidelines so feel free to add your own spin on something or some personal fare.
• Students have a range of personalities. Sometimes students are shy and may take a couple of sessions to open up. Sometimes, they may just be tired! If they are showing up, they want to be there.
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Show them grace and presume positive intent.
To check her balance.
• Secondary school students are social creatures so it’s hard for them to resist the urge to talk to their friends or to remember not to have their phones out unless needed for an activity. Please see the next page for some tips on how to deal with these!
Why did the tightrope walker go to the bank?
• It is important to remember that secondary school students are going through some tough, real-world issues outside of the classroom. Sometimes a reaction they have in the classroom may stem from stress or a situation going on outside of school.
• Flicker the lights.
• Countdown. 5-4-3-2-1 or 3-2-1
TEACHING TIPS GREEN UK INSTRUCTOR INTRODUCTIONXIX
• Quietly remind them of the expectations (try to say it so only they can hear as to not embarrass them).
• Ask a question out loud. “Who here currently has a job? Raise your hand.” “Who saw the new Brad Pitt movie this weekend?” Now that you’ve got their attention you can begin.
• Just wait! If a student or students are talking while you are, wait them out. Stopping mid-sentence and waiting for students to stop talking will let them know you are waiting on them.
• Try not to call students out publicly. Often, students fnd this embarrassing and do not react well to this. If students are talking at the beginning of the session, to quiet them you can…
If students are talking while you are talking or looking at their phone, you can...
• Walk closer to them. Proximity will often bring attention to this so they will stop.
• Come to the front and begin your greeting. Make sure to wait until everyone is listening. If you keep talking while they are talking then they will think this is okay.
• You can set up a call and response with them. Having them ofer suggestions makes it more likely they will do it.
“When I say ferce you say females” - “Fierce” - “Females”
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
• Write the agenda on the board if possible. Students like to know what’s going on.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTION XX
• If a student looks tired or puts their head down on their desk, ask them if they would like to go get a drink of water. It gets them out of their seat, wakes them back up and shows them you care.
• Avoid loading time. If there are links you know you want to pull up during the session, have them ready to go before the session starts. Down time will lead to distractions and get students of task.
HELPFUL TIPS TO KEEP IN MIND
• Greet students at the door so they feel welcome and know that you are excited to be there! It sets a positive tone for the session.
Turn a blind eye occasionally. Secondary students sometimes act for attention or to test you. Try not to be phased by things they are doing just to get a reaction. Ignore what you can and reward the positive.
• Often, you can plan the perfect lesson and it either doesn’t go as expected or the timing is of. We try to make sure there are enough activities, but don’t feel pressure if you don’t get through everything. If you need to have students complete something on their own time or you need to push something to the next session, you can defnitely do that.
•
• It’s important to be at the session 5 minutes early. This allows you to be able to get any last thoughts together before the lesson and do any prep work (writing something on the board, passing our name tags, pulling up Yahoo! Finance on the projector). This also helps with management and keeping students orderly.
• When you are explaining something new, especially a challenging topic, make sure to go slow, repeat yourself and consistently ask if anyone has questions. There are no dumb questions!
ADDITIONAL TIPS
GREEN UK INSTRUCTOR INTRODUCTIONXXI
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
• Try to get them involved in the lesson as much as possible. Whether this is by asking questions, having students explain the key term in their own words or sharing their initial thoughts on a topic. No one likes to be talked to for an hour straight so try to involve their voices as much as possible.
• Students like to be positively reinforced so if they are doing something great or had a really thoughtful answer let them know!
• If a student is being disrespectful or making you uncomfortable, have one of the volunteers reach out to or fnd the School Champion or reach out to your RTSWS Program Coordinator.
The more specifc you are the better so they know exactly what they did well so they can do it again.
Session Topics and Key Terms:
• To become familiar with various types of careers in fnance.
Be sure to add these dates to your phone calendar as well to set reminders.
• To play the role of a fnancial planner for Janella Sims, a 28-year-old female. Create a budget for her, keeping in mind her short-term and long-term goals.
• To defne basic investment terms.
• To follow the price movements of Apple (AAPL) and the FTSE 100.
Please write in the day, time and location of each session on the following page.
The session dates and times are also available in the RTSWS App.
UK Green Curriculum Learning Outcomes:
• To understand and be able to explain living expenses.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTION XXII UK Green Curriculum Workshop Sessions
• To understand and be able to explain where their tax dollars go.
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR INTRODUCTION XXIV
A) Saving is setting aside money you don’t spend now for a future purchase or emergencies, that is easily accessible. Investing is when you put money into your savings account.
In order to measure students’ growth in fnancial and investment literacy over the course of the 5 RTSWS sessions, students will take a pre-assessment during session #1 to establish their baseline. During session #5, students will be tested on the same fnancial and investment literacy questions to measure their progress and growth over the course of RTSWS. The assessments are not graded on an individual basis. RTSWS will use each RTSWS cohort’s pre- and post-assessment data to determine the cohort’s fnancial literacy growth and measure the success of our curriculum. The questions below relate to topics within this curriculum set. Part of the questions are specifc to the RTSWS curriculum topics and the fnal 5 are determined based upon national FINRA standards. Please do not share these questions with students or review answers with them ahead of the pre-assessment. Remind students to just do their best on the assessments. Volunteers should use the questions below to be aware of the topics that students will see during the post-assessment and to take time to review these topics over the course of the fall sessions.
✔ B) Saving is setting aside money you don’t spend now for a future purchase or emergencies, that is easily accessible. Investing is buying assets such as stocks, bonds or mutual funds for the purpose of long-term goals.
UK Green Assessment Questions
A) Stocks are where shareholders are guaranteed a dividend payment. Bonds are high-risk debt investments.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
GREEN UK INSTRUCTOR INTRODUCTIONXXV
C) Saving is setting aside money you don’t spend now for a future purchase or emergencies. Investing is when you spend money on fxed costs and variable costs.
Curriculum Specifc Questions:
D) I don’t know Which of the following is true of stocks and bonds?
What is the diference between saving and investing?
What is the diference between gross pay and net pay?
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
A) The gross pay is your take home pay or the amount that has already had any withholdings and taxes removed. The net pay is the total amount that you earned before any withholdings have been taken.
✔ C) Stocks are a purchased stake in a company when a business or corporation raises capital through the issue and subscription of shares. Bonds are sold by companies or governments, where the purchaser acts as a bank for the issuing entity, and the asset has a fxed interest rate and maturity date.
C) Every investment has some level of risk. The more risk you take, the greater the potential returns are - and the greater the potential for losing money.
Which of the following is important to know about risk tolerance and investing?
D) I don’t know
B) The gross pay is the total amount of withholds and taxes. The net pay is your total amount of take home pay.
✔ D) All of the above E) I don’t know
D) I don’t know
GREEN UK INSTRUCTOR INTRODUCTION XXVI
✔ C) The gross pay is the total amount that you earned before any withholdings have been taken. The net pay is your take home pay or the amount that has already had any withholdings and taxes removed.
B) Stocks equate to partial ownership of the company and guaranteed voting rights. Bonds are issued for an indefnite period at a variable interest rate.
B) Knowing your risk tolerance will drive how you invest.
A) Risk tolerance is how much of a loss you’re prepared to handle. Your goals, investing timeline and comfort level all factor into the equation.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
C)
A) Broker ✔ B) Ticker C) Stock acronym D) IPO E) I don’t know
The benchmark index that tracks the stock price movements of the largest U.K. publicly traded companies.
Questions:
Investment Literacy
✔ B) ETFs can be traded throughout the day, while mutual funds can only be traded once per day ETF are traded within the stock market, while mutual funds are not publicly traded ETFs and mutual funds are the same. I don’t know A symbol in which stocks are identifed.
A) Fortune 500 ✔ B) FTSE 100 C) S&P 100 D) The London Stock Exchange E) I don’t know
GREEN UK INSTRUCTOR INTRODUCTIONXXVII
D)
The main diference between an ETF (exchange traded fund) and a mutual fund is…
A) An ETF is only one stock, while a mutual fund is a group of stocks
E)
Which of the following is true of stock market volatility?
A) More B) Same ✔ C) Less D) I don’t know
B) Low volatility can be interpreted as investors being very worried and acting on that fear.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
✔ A) More than £102 B) Exactly £102 C) Less than £102 D) I don’t know Imagine that the interest rate on your savings account is 1 percent a year and infation is 2 percent a year. After one year, would the money in the account buy more than it does today, exactly the same or less than today?
GREEN UK INSTRUCTOR INTRODUCTION XXVIII
A) Stock market volatility measures fuctuations in stock prices.
C) Low volatility means small fuctuations, investors are not worried. High volatility means large fuctuations, which implies an element of fear in investors’ current attitudes.
✔ D) Both A and C are true. E) I don’t know Suppose you have £100 in a savings account earning 2 percent interest a year. After fve years, how much would you have?
✔ A) True B) False C) I don’t know True or false: Buying a single company’s stock usually provides a safer return than a stock mutual fund.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
A) True ✔ B) False C) I don’t know
GREEN UK INSTRUCTOR INTRODUCTIONXXIX I
A) Rise ✔ B) Fall C) Stay the Same D) No Relationship E) I don’t know True or false: A 15-year mortgage typically requires higher monthly payments than a 30-year mortgage but the total interest over the life of the loan will be less.
If interest rates rise, what will typically happen to bond prices? Rise, fall, stay the same or is there no relationship?
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Students will be able to… • Get to know the volunteers that are coming into their classroom for RTSWS. • Learn how the RTSWS program works and why it exists. • Explore how people spend money and understand the distinctions between saving and investing money. • Begin to understand what stock portfolios and watchlists are. Session #1 Prep Info: Lesson Plan: Spending, Saving and Investing Date: Session #1 Estimated Time of Lesson Plan: 60 minutes School Years: Year 10 - Upper Sixth RTSWS Learning Objectives: NOTES UK GREEN INSTRUCTOR PRE-SESSION #1 PS1.1 I NSTRUCTOR HANDBOOK • GREEN SESSION 1
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM • What is the diference between saving and investing? • What reasons might a person choose to invest their money rather than put it in savings? Understanding: Materials, Resources and Technology: • Student curriculum books (School Champion will have) • Volunteer curriculum books • Technology for pictures, timers and guided discussion questions • Markers or pens for BINGO • Pull up Yahoo! Finance ahead of session to project on overhead (link is available within the RTSWS App under “Resources”) Essential Questions: UK GREEN INSTRUCTOR PRE-SESSION #1 • Spending, saving and investing money in the short-term and long-term is a critical component of achieving your fnancial goals. • Investing your money is one way to help grow your money for long-term goals. SESSION #1 AGENDA: 1. Welcome 2. Attendance 3. Human Scavenger Hunt - BINGO 4. RTSWS Cohort Norms 5. Pre-Assessment 6. Spending, Saving and Investing 7. Stock Market Introduction 8. Refection: Grows and Glows 9. Reminders for Next Session PS1.2 I
✔ A) More than £102 B) Exactly £102 C) Less than £102 D) I don’t know UK
GREEN INSTRUCTOR PRE-SESSION #1 PS1.3
A) Saving is setting aside money you don’t spend now for a future purchase or emergencies, that is easily accessible. Investing is when you put money into your savings account.
Assessment Questions Related to Session 1
What is the diference between saving and investing?
✔ B) Saving is setting aside money you don’t spend now for a future purchase or emergencies, that is easily accessible. Investing is buying assets such as stocks, bonds or mutual funds for the purpose of long-term goals.
A) Broker ✔ B) Ticker C) Stock acronym D) IPO D) I don’t know Suppose you have £100 in a savings account earning 2 percent interest a year. After fve years, how much would you have?
D) I don’t know A symbol in which stocks are identifed.
C) Saving is setting aside money you don’t spend now for a future purchase or emergencies. Investing is when you spend money on fxed costs and variable costs.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM NOTES UK GREEN INSTRUCTOR SESSION 1
Attendance: (3 minutes)
RTSWS Mission: (Share with cohort) Rock The Street, Wall Street inspires and equips girls with skills to succeed fnancially throughout their lives and potentially within careers in fnance. Girls learn about savings and investments, budgeting, capital markets and their role in maintaining the welfare of their families and the economy, while simultaneously seeing the real world application of the math content they learn in the classroom.
• Whole group: Starting with the Lead Volunteer, provide a quick introduction to the team of RTSWS volunteers, what frm(s) you are from and what you do for work. Explain to students that you and your collegues are a tight team who will be teaching for the upcoming weeks.
IMPORTANT!Share:
The attendance will be taken via a Survey Monkey link. The link has been emailed to your Lead Volunteer and Student CEOs.
Name, grade and favorite emoji
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 1 1 START SESSIONWelcome1 & Allow Students to Get Settled: (5 minutes) • Students enter classroom and get settled in their seats • Grab snacks for the session • Make sure they have their student curriculum books (If each student does not already have them, School Champion will) • Make sure they have a pen, pencil or marker
Students
Volunteers or Student CEO take attendance. This qualifes them for alumnae benefts.
(5 minutes)
This will require students to get up and move around!
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 12
Ice Breaker & Getting to Know You Activity:
Set a 5 minute timer: Once time is up, let students know that the activity has ended. Did anyone complete a BINGO? Call students back to their seats and begin to discuss the classroom norms.
Both volunteers and students participate! Let’s get active!
NOTES
Ensure the RTSWS cohort understands the signifcance of what you are asking them to do. The students are helping to establish the tone for how RTSWS will run for the fall sessions! You care about them. You want their ideas. Their voices matter. Including them in the creation process means they will remember these norms and act upon them more regularly.
Examples:
HOW? Ask the students: “As we begin developing our RTSWS cohort community together, we want to create a safe and productive learning space we will all enjoy. Would you be willing to help come up with 2 additional norms for our fall sessions?”
Debrief Activity & Discuss Norms for Session: (5 minutes)
Today, you and the students will come up with the fnal 2 norms together. We want you and the students to establish the tone for the fall sessions and allow them to take ownership of their RTSWS cohort.
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• Participate constructively
• Be a leader and encourage your RTSWS peers
Asking students to help defne the learning environment in a way that supports their own self-advocacy skills is powerful.
Norms are diferent from classroom rules in that students participate in drafting them. They’re generally positive, inclusive and productive. 3 of the norms to the right are RTSWS norms.
Pre-Assessment: minutes) the directions with the students out loud. pre-assessment will be taken via a SurveyMonkey link. The link was emailed to your lead volunteer and to the students. students know that if they do not know an answer, it is OK to
Let
select “I don’t know.” The link is available in the RTSWS App: app.rockthestreetwallstreet.com/ Set a timer for 7 minutes. • Announce to the class when there are 3 minutes remaining • Announce to the class when there is 1 minute remaining See frst page of book for app instructions
The
(10
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 14
Read
Do they want to be able to purchase their own car?
Complete the activity at left together. What do RTSWS students see in their future? Give students 60-90 seconds to brainstorm 5 goals they have for their future. Instruct students to write these goals down in their workbook.
Guiding Question: How are expenses, investments and savings considered when planning fnancial goals for myself and when advising others on their own fnancial goals?
UK GREEN INSTRUCTOR SESSION 1
Agenda: (3 minutes)
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Let’s Teach!: (9 minutes)
Examples: Do they want to go to university? Do they want a new laptop?
Do they plan on moving or living on their own after secondary school? What types of jobs do they want? How much money do they want to make? After 60-90 seconds of brainstorming time, bring the whole group together and have a classroom discussion on these goals. Ask 2-3 students to share one of the goals they wrote down.
Talk through the guiding question and agenda as a whole group.
Students should be aware of what they will be learning about today and what they can expect from the session.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 16
Introduce Key Term: Savings Read through the defnition together and discuss the importance of savings in achieving fnancial goals. Explain Out Loud:
Quick Write: Provide students with 30 seconds to write down which of their goals will require them to spend money.
Quick Write: Provide students with 30 seconds to write down which goals they may need to start saving for. Ask students to estimate how much money they will need to save for each goal.
UK GREEN INSTRUCTOR SESSION 1
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Quick Write: Provide students with 30 seconds to write down anything that comes to mind when they hear the word “investing.”
together and discuss why you might choose to invest your money instead of holding it in savings. Example: When you want to grow your money for a long-term goal. Ask students… What are the positives of investing? What are some potential negatives of investing? Discussion Topics: • What is the diference between saving and investing? • RISK vs REWARD in investing Explain Out Loud:
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 18 Introduce Key Term: Investing
Read through the defnition
If you bought one stock of Company A, and Company A has 10 shares, then you would own 1/10th of the company or 10%.
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Stock Market Review: (14 minutes)
Please note that for some students this may be the 1st time learning about the stock market, while for others they may be familiar with the general concept of stocks. As you introduce stocks, be sure to pause to check student understanding.
Fist to 5
Example of method to quickly check student understanding during the lesson:
EXPLAIN:
In order to develop a deeper understanding of investing, we will be using Yahoo! Finance to follow the prices of a stock and an ETF over the course of the fall sessions.
UK GREEN INSTRUCTOR SESSION 1
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION110If you bought one stock of Microsoft and Microsoft had one million shares in total, then you would own one-millionth of the company or 0.0001%. Provide students examples of stock exchanges and briefy discuss: The main stock exchange in the U.K. is: • London Stock Exchange (LSE) The main stock exchanges in the U.S. are: • New York Stock Exchange (NYSE)
• Nasdaq Global stock exchanges: There are 60 major stock markets around the world, of which the NYSE is the largest. Some of the other major players include: Tokyo Stock Exchange Japan Hong Kong Stock Exchange Hong Kong Shanghai Stock Exchange China Bombay Stock Exchange India Frankfurt Stock Change Germany Euronext Paris France
Throughout the course of the fall sessions, we are going to track Apple (AAPL).
• Today’s price & date
https://uk.fnance.yahoo.com/
• How much the company is up or down since market open
Page 14 has student instructions for creating their own Yahoo! Finance accounts to create a portfolio of stocks they want to mon itor. (This is not mandatory; but, it is a helpful resource for students interested in exploring more.)
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• Point out the “Sustainability” tab Show students how on Yahoo! Finance under “Chart,” you can view the history of a company stock by diferent date ranges. Today students will be sketching the 6 month chart of Apple (AAPL).
UK GREEN INSTRUCTOR SESSION 1
• Company name • Ticker (Key term)
• (This link can also be found in the RTSWS App under “Resources”)
• The 6 month movement of the stock
Discuss out loud what should go on the x-axis (time frame) and what should go on the y-axis (stock price).
With Yahoo! Finance pulled up, review and record as a whole group the…
Have Yahoo! Finance pulled up on the overhead screen or projected on the board. If able, students can also pull up Yahoo! Finance on their own devices. (If an overhead projector is not available, have students use their personal devices to pull up Yahoo! Finance and follow along).
2.
Volunteers: Snap a picture of the recorded glows and grows and email to your RTSWS Program Coordinator.
1. What went well? What did students like about today’s session?
1. What can be improved on for the next session?
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2. What terms or ideas do we need to spend additional time on? How can the students or volunteers come better prepared to make the next session efcient and productive?
3.
3. What did volunteers like about today’s session?
As a group, brainstorm glows and grows.
GLOWS:
GROWS:
Refection: (3 minutes)
Reminders for Next Session: (3 minutes)
UK GREEN INSTRUCTOR SESSION 1
Have students record in their workbooks the date and time of RTSWS session #2.
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Share with students that after session #5, there will be a RTSWS “Wall Street experience” feld trip.
Here are student instructions for creating their own Yahoo! Finance accounts to create a portfolio of stocks they want to monitor. This is not mandatory. But, it is a helpful resource for students interested in exploring more.
Yahoo!
Finance Instructions
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 114
During each session, RTSWS volunteers (you!) will have Yahoo! Finance pulled up on the overhead screen or projected on the Ifboard.able, students can also pull up Yahoo! Finance on their own devices. • https://uk.fnance.yahoo.com/
The experience allows the students to shadow female treasury ofcers, wealth managers, analysts, comptrollers, accountants, entrepreneurs,and more. For many of our students, this is their frst glimpse into the world of fnance, opening their eyes to a new world of possibilities.
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The Wall Street feld trip is a capstone experience whereby students are given a rare glimpse into corporate ofce settings, the workplaces and work lives of fnanciers.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 1 BONUS16 NOTES
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 17UK GREEN INSTRUCTOR SESSION 1 BONUS NOTES
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Students will be able to… • Continue to develop a deeper understanding and distinguish between saving and investing. • Understand the concept of budgeting as a tool for managing fnancial goals. • Diferentiate between fxed, variable and occasional expenses. • Read a payslip. • Apply their budgeting knowledge as they act as a fnancial advisor to a fctitious client. Session #2 Prep Info: RTSWS Learning Objectives: NOTES Lesson Plan: Introduction to Budgeting Date: Session #2 Estimated Time of Lesson Plan: 60 minutes School Years: Year 10 - Upper Sixth IUK GREEN INSTRUCTOR PRE-SESSION #2 I NSTRUCTOR HANDBOOK • GREEN PRE-SESSION 2 PS2.1
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Essential Questions: • Why is a budget important in setting and achieving fnancial goals? • In what ways can a budget help you plan for your short-term and long-term expenses and goals? Understanding: • Creating and maintaining a budget is highly efective for planning and achieving personal fnancial goals. SESSION #2 AGENDA: 1. Welcome 2. Attendance 3. Norms 4. Review Agenda 5. Introduction to Budgeting 6. Stock Market Review 7. Project Work Time: Financial Planning for Janella 8. Whole Group Refection 9. Reminders for Next Session Materials, Resources and Technology: • Volunteer curriculum books • Pull up Yahoo! Finance ahead of session to project on overhead (link is available within the RTSWS App under “Resources”) • Technology for project research time (personal laptops, tablets, phones) • Writing utensils for group projects UK GREEN INSTRUCTOR PRE-SESSION #2 PS2.2
✔ A) True B) False C) I don’t know UK
D) I don’t know The main diference between an ETF (exchange traded fund) and a mutual fund is…
✔ A) An ETF is only one stock, while a mutual fund is a group of stocks B) ETFs can be traded throughout the day, while mutual funds can only be traded once per day C) ETF are traded within the stock market, while mutual funds are not publicly traded
A) The gross pay is your take home pay or the amount that has already had any withholdings and taxes removed. The net pay is the total amount that you earned before any withholdings have been taken.
Assessment Questions Related to Session 2
What is the diference between gross pay and net pay?
B) The gross pay is the total amount of withholds and taxes. The net pay is your total amount of take home pay.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
D) ETFs and mutual funds are the same.
E) I don’t know True or false: Buying a single company’s stock usually provides a safer return than a stock mutual fund.
✔ C) The gross pay is the total amount that you earned before any withholdings have been taken. The net pay is your take home pay or the amount that has already had any withholdings and taxes removed.
GREEN INSTRUCTOR PRE-SESSION #2 PS2.3
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR PRE-SESSION #2 PS2.4
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 18 UK GREEN INSTRUCTOR SESSION 2 Welcome & Allow Students to Get Settled: (5 minutes) • Students enter classroom and get settled in their seats • Grab snacks for the session • Make sure they have their student curriculum books • Make sure they have pen, pencil or marker • Whole group: Lead volunteer provides a brief introduction to who the team is and introduces any new volunteers. IMPORTANT! Volunteers or Student CEO take attendance. This qualifes students for alumnae benefts. Students share out loud: Name, grade and a hobby they enjoy outside of school. • Remind students of the agreed upon norms from session #1. • Read aloud the frst three norms from session #1 and instruct students to write in the two norms that the whole group decided from session #1. • Briefy discuss the agreed upon norms and address what these norms might look like in action during the session today. Attendance: (3 minutes) Review Norms: (3 minutes)
The
START SESSION 2 attendance will be taken via a Survey Monkey link and can be found in the RTSWS App. It will also be emailed to your Lead Volunteer and Student CEOs.
Talk through the guiding question and agenda as a whole group.
Agenda: (3 minutes)
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Students should be aware of what they will be learning about today and what they can expect from the session.
Today’s Guiding Question: Why is a budget important in helping plan for short-term and long-term expenses and goals?
Once a student recognizes the image as a “budget” OR if no one identifes the image as a budget, tell students that this is an example of a monthly budget.
Let’s Teach!: (5 minutes)
• Ask students what they notice about the budget
• Ask students to provide a thumbs up/thumbs down if they have seen a budget before
• Ask students to provide a thumbs up/thumbs down if they have made a budget before
• Ask students to provide a thumbs up/thumbs down if they currently have a budget or know someone who has a budget
As a class, look at the image of the budget within the student workbook. Before telling students this is an example of a budget, ask them to share aloud what they notice about the picture.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 220
Key Term: Budget
Start to brainstorm out loud with students what types of revenue and what types of expenses could go on a budget?
Introduce the key term and discuss the diferent types of budgets with students.
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BRAINSTORM:
UK GREEN INSTRUCTOR SESSION 2
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 222 Instruction: (5 minutes) Review the diference between revenue and expenses. Discussion points: • What are the diferent types of revenue they might have now? Examples: Pay from jobs, babysitting money, allowance, etc.
UK GREEN INSTRUCTOR SESSION 2
Discussion Tip:
.
Read the excerpts from the article within the student workbook on how to read a payslip.
Review the diferent infographics and discuss questions students may have about payslips, deductions and gross vs. net pay.
As physical copies have more or less been replaced by electronic copies of payslips, encourage students to check their online copies and become familiar with the details since they will likely not recieve physical copies to review.
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As you read the article, note to students how important it is to ensure their payslip is accurate
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 224
C) The gross pay is the total amount that you earned before any withholdings have been taken. The net pay is your take home pay or the amount that has already had any withholdings and taxes removed.
A) The gross pay is your take home pay or the amount that has already had any withholdings and taxes removed. The net pay is the total amount that you earned before any withholdings have been taken.
B) The gross pay is the total amount of withholds and taxes. The net pay is your total amount of take home pay.
D) I don’t know
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 25 KEY POINT Gross Pay vs. Net Pay
Post-Assessment Questions Related to Session 2
UK GREEN INSTRUCTOR SESSION 2
What is the diference between gross pay and net pay?
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NOTES
UK GREEN INSTRUCTOR SESSION 2
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Fixed OccasionalVariableExpenseExpense(Periodic)
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 228 DiscussionExpenses
Point: are the diferent types of expenses students have now? Are these fxed, variable or occasional? New Key Terms:
Introduce
Expense Read aloud each of the defnitions together. Talk through the diferent examples provided under each new term and brainstorm together 3 additional examples of each type of expense.
• What
In order to further our discussion of saving vs. investing, we need to continue to develop students’ understanding of the stock market.
Example of student understanding quick checks: Ask students to display a designated hand signal to indicate their degree of confdence in their understanding of the topic being discussed.
GOTIT! GETTINGTHERE! IHELP!NEED UK GREEN INSTRUCTOR SESSION 2
Stock Market Review: (15 minutes)
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Please note that for some students this may be the frst time learning about the stock market, while for others they may be familiar with the general concept of stocks. Be cautious as you introduce new concepts to pause to check student understanding.
Page 14 has student instructions for creating their own Yahoo! Finance accounts to create a portfolio of stocks they want to Finance pulled up, review and record as a whole group the… Company name • Ticker Today’s price & date • Take note of how the prices have changed since last session - what are some of the reasons the price might have gone up or down?
•
• How much the company is up or down since market open
• The 6 month movement of the stock • Point out the “Sustainability” tab Show students how on Yahoo! Finance under “Chart,” you can view the history of a company stock by diferent date ranges..
Discuss out loud what should go on the x-axis (time frame) and what should go on the y-axis (stock price).
Have Yahoo! Finance pulled up on the overhead screen or projected on the board. If able, students can also pull up Yahoo! Finance on their own devices. • https://uk.fnance.yahoo.com/
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 2
30Throughout the course of the fall sessions, we are continuing to track Apple (AAPL).
Withmonitor.Yahoo!
•
Introduce New Investment Key Terms:
Read through the defnitions out loud and discuss the Napkin Finance graphics.
Mutual Fund ETF
Talk through the concept of ETFs being passively managed vs. Mutual Funds being actively managed. Indexed vs. actively managed (Napkin Finance)
UK GREEN INSTRUCTOR SESSION 2
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Most ETFs are “indexed,” which means they try to match the performance of a specifc index (such as the STSE 250 & FTSE AIM) as closely as possible. The fund does this by buying all of the index’s stocks and bonds (or at least a good sample of them) and holding them in the same proportions as the index.
•
Other ETFs are actively managed. Their investment managers try to beat the performance of a market index by picking specifc investments that they think will have above average returns. While that might sound like a great way to make more money, these sometimes come with a few Higher expenses Greater risk of poor performance More tax bills along the way Share with students that many popular ETFs in the UK are based of of the FTSE 100. During the next session, we will take a closer look at the FTSE 100 and how the stocks within it are chosen.
downsides, including: •
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•
NOTES
UK GREEN INSTRUCTOR SESSION 2
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 234
At the end of time, have students move desks/chairs back to their original place and return to their seats.
Once students are in their groups, read the introduction to Financially Planning for Janella together. Once the introduction has been read aloud and discussed, set a timer for 13 minutes. Let students know once there are 10 minutes remaining, 5 minutes remaining and 1 minute remaining in group project time. As students are analyzing Janella’s revenue and expenses, walk around the room and listen in on diferent groups. For groups that need additional help getting started, you may choose to join that group to help them think through Janella’s payslip and expenses. Students may use… • Google or Search Engine • Phones, tablets or laptops to research average prices and expenses in Janella’s city
Have students physically split into about 5 groups (depending on cohort size). You can let them choose their groups. Pay close attention to students who may need help fnding a group to be a part of and help make introductions to students who may not know each other well.
Project Time: (15 minutes)
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Note that not all of the expense values have been provided to students. Encourage students to research averages expenses in their area and to use their best judgment when flling out Janella’s budget. Students may choose to fll in £0 for any of the expenses if they will be recommending Janella completely cut out that expense.
UK GREEN INSTRUCTOR SESSION 2
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 236 NOTES
NOTES
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 238 Whole group refection Call on a few students to share… What surprised you most about what you learned today? Refection: (3 minutes)
Reminders for Next Session: (3 minutes)
Have the students write down the next session date you will be Remindmeeting.students to sign up for the Wall Street Experience Field Trip and Spring Mentorship.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 2 39
ABOUT WALL STREET EXPERIENCE FIELD TRIP:
ABOUT SPRING MENTORSHIP: Mentors provide guidance on academic improvement, preparing for university, fnding and pursuing career interests and overcoming life’s various obstacles. Our ratio of two students-to-one mentor results in students carefully planning out the next stages of their lives – deciding on university majors/minors, job shadowing and fnding internships. Mentoring is a valuable resource in developing the student’s self confdence, providing accountability for her goals, and discovering her interests and professional aspirations.
The Wall Street feld trip is a capstone experience whereby students are given a rare glimpse into corporate ofce settings and the workplaces and work lives of fnanciers. The experience allows the students to shadow female treasury ofcers, analysts, wealth managers, comptrollers, accountants, entrepreneurs and more. For many of our students, this is their frst glimpse into the world of fnance, opening their eyes to a new world of possibilities.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 240
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NOTES
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NOTES
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM I NSTRUCTOR HANDBOOK • Students will be able to… • Apply knowledge and continue to develop recommendations for Janella’s budget. • Determine the diference between a current account and a banking account. • Continue to expand their knowledge of the stock market and broaden their investment terminology. Session #3 Prep Info: RTSWS Learning Objectives: NOTES Lesson Plan: Current Accounts, Banking Accounts, Bonds, Continue Janella’s Budget Date: Session #3 Estimated Time of Lesson Plan: 60 minutes School Year: Year 10 - Upper Sixth UK GREEN INSTRUCTOR PRE-SESSION #3 GREEN PRE-SESSION 3 PS3.1
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Essential Questions: • When might a person choose to hold their money in a banking account instead of a current account? • What are the similarities and diferences between a stock and a bond? Understanding: • Current accounts and banking accounts both provide tools to manage your fnancial life and fnancial goals. • Stocks are a purchased stake in a company when a business or corporation raises capital through the issue and subscription of shares. Bonds are sold by companies or governments, where the purchaser acts as a bank for the issuing entity, and the asset has a fxed interest rate and maturity date. SESSION #3 AGENDA: 1. Welcome 2. Attendance 3. Norms 4. Review Agenda 5. Current Account vs. Banking Account 6. Stock Market Review 7. Project Work Time: Financial Planning for Janella 8. Whole Group Refection 9. Reminders for Next Session Materials, Resources and Technology: • Volunteer curriculum books • Pull up Yahoo! Finance ahead of session to project on overhead (link is available within the RTSWS App under “Resources”) • Technology for project research time (personal laptops, tablets, phones) • Writing utensils for group projects UK GREEN INSTRUCTOR PRE-SESSION #3 PS3.2
A) More B) Same ✔ C) Less D) I don’t Know If interest rates rise, what will typically happen to bond prices? Rise, fall, stay the same, or is there no relationship?
✔ C) Stocks are a purchased stake in a company when a business or corporation raises capital through the issue and subscription of shares. Bonds are sold by companies or governments, where the purchaser acts as a bank for the issuing entity, and the asset has a fxed interest rate and maturity date D) I don’t know
GREEN INSTRUCTOR PRE-SESSION #3 PS3.3
Which of the following is true of stocks and bonds?
A) Stocks are where shareholders are guaranteed a dividend payment. Bonds are high-risk debt investments
A) Fortune 500 ✔ B) FTSE 100 C) S&P 1000 D) The New York Stock Exchange E) I dont know Imagine that the interest rate on your savings account is 1 percent a year and infation is 2 percent a year. After one year, would the money in the account buy more than it does today, exactly the same or less than today?
Assessment Questions Related to Session 3
A) Rise ✔ B) Fall C) Stay the Same D) No Relationship E) I dont know UK
GREEN UK INSTRUCTOR SESSION x GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
B) Stocks equate to partial ownership of the company and guaranteed voting rights. Bonds are issued for an indefnite period at a variable interest rate.
The benchmark index that tracks the stock price movements of the largest U.K. publicly traded companies.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM GREEN UK INSTRUCTOR UK GREEN INSTRUCTOR PRE-SESSION #3 PS3.4
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 344 Welcome & Allow Students to Get Settled: (5 minutes) • Students enter the classroom and get settled in their seats • Grab snacks for the session • Make sure they have their student curriculum books • Make sure they have pen, pencil or marker • Whole group: Lead volunteer provides a brief introduction to who the team is and introduces any new volunteers Students share out loud: Name, grade and a leader you look up to. • Remind students of the agreed upon norms from session 1 and 2. Attendance: (3 minutes) Review Norms: (3 minutes) IMPORTANT! Volunteers or Student CEO take attendance. This qualifes students for alumnae benefts. START SESSION 3 The attendance will be taken via a Survey Monkey link. It will also be emailed to your Lead Volunteer and Student CEOs.
Today’s Guiding Questions: How can both current accounts and savings accounts afect your fnancial planning and management of your fnancial goals? What are the similiarities and diferences between a stock and a bond?
Not only is it not safe to keep a large amount of money at home, but it is also not fnancially smart.
Whole group: Read the “Think About It” together.
Studentsgroup.should be aware of what they will be learning about today and what they can expect from the session.
Discuss the concept of hiding your money at home (or under a mattress) vs. keeping your money in a bank account.
Read through the guiding question and agenda as a whole
Agenda: (2 minutes)
UK GREEN INSTRUCTOR SESSION 3
Let’s Teach!: (7 minutes)
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 346 Introduce Key Term: Infation Imagine that the interest rate on your savings account is 1 percent a year and infation is 2 percent a year. After one year, would the money in the account buy more than it does today, exactly the same or less than today? A) More B) Same ✔ C) Less D) I don’t know Ask students to think about and then share their answers for the following questions: Places you can keep money: Possible answers… • Bank account (personal, basic and high interest) • Invest in the stock market • Real estate • Federal bonds
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 47 Why do people have bank accounts? • To keep money safe • To have it protected by the Financial Services Compensation Scheme (FSCS) • To earn interest from the bank What are the types of bank accounts you can have? • Current account • Savings account • Personal • Basic • High interest Introduce Key Terms: Current Account Savings Account Bond UK GREEN INSTRUCTOR SESSION 3
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 348
Stock Market Review: (14 minutes)
Investing in the stock market is one of the places students may have mentioned as a place to put money.
Quick Check: Have the RTSWS cohort share 3 things they have learned so far about the stock market.
Review Last Week’s Investment Key Terms: Mutual Fund ETF
Please note that for some students this may be the frst time learning about the stock market, while for others they may be familiar with the general concept of stocks. Be sure to pause to check student understanding as you review the investment literacy key terms and discuss stock market concepts.
Example of student understanding quick checks:
In order to further discuss saving and investing, we need to continue to develop students’ understanding of the stock market…
Throughout the course of the fall sessions, we are continuing to track Apple (AAPL).
• Today’s price & date
Have Yahoo! Finance pulled up on the overhead screen or projected on the board. If able, students can also pull up Yahoo! Finance on their own devices. • https://uk.fnance.yahoo.com/
Page 14 has student instructions for creating their own Yahoo! Finance accounts to create a portfolio of stocks they want to monitor. (This is not mandatory. But, a helpful resource for students interested in exploring more.)
• Company name • Ticker (Key term)
• Take note of how the prices have changed since last session - what are some of the reasons the price might have gone up or down?
• How much the company is up or down since market open
With Yahoo! Finance pulled up, review and record as a whole group the…
• The 1 month movement of the stock
Show students how on Yahoo! Finance under “Chart,” you can view the history of a company stock by diferent date ranges.
Discuss out loud what should go on the x-axis (time frame) and what should go on the y-axis (stock price).
• Point out the “Sustainability” tab
UK GREEN INSTRUCTOR SESSION 3
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 49 Stock Market
Introduce the new investment key term to students. Discuss that during the last session, we introduced ETFs and mutual funds. The ^FTSE 100 is an INDEX, which means it provides an estimate of how the overall market is doing. Although you can’t invest directly in the ^FTSE itself, you can invest in any of the handful of exchange-traded funds (ETFs) or index funds that track the ^FTSE.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 350
New Investment Key Term: FTSE 100
Tip: Recommend that students add ^FTSE to their Yahoo! Finance Portfolio and Watchlist.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 51 With Yahoo! Finance pulled up, review and record as a whole group ^FTSE’s…•Today’s price & date • How much the ETF is up or down since market open • WHY might the ETF be up or down since market open • The YTD movement of the FTSE • WHY the YTD movement fuctuates and WHAT might cause FTSE to fuctuate? UK GREEN INSTRUCTOR SESSION 3
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 352 Project Time: (15 minutes) Have students physically split back into their groups. Any new students can either join a group of their choice or you can help introduce them to a group to be a part of. Once students are in their groups, read the four steps in the TO DO box shown in the student workbook. 4.3.2.1. ➔ ➔ ➔ ➔
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 3 53
After reviewing the directions, set a timer for 13 minutes. Let students know once there are 10 minutes remaining, 5 minutes remaining and 1 minute remaining in group project
Astime.students are working, walk around the room and listen in on diferent groups. Help individual groups for a few minutes at a time. Be sure that students determine how much Janella should budget for each line item and also prepare them to give their reasoning. Note: Some of the expenses are outlined for them within Janella’s notes and some have not been discussed. Instruct students to use Google to look up the average costs of each expense in Janella’s city. Ultimately, each group will make recommendations for Janella on how she spends her money. Should she purchase Netfix instead of Cable TV? Or do they recommend Janella not purchase any type of TV entertainment? Their recommendations are up to them! At the end of time, have students move desks/chairs back to their original place and return to their seats
Volunteers: Snap a picture of the recorded glows and grows and email to your RTSWS Program Coordinator.
1. What went well? What did students like about today’s session?
GLOWS:
3. What did volunteers like about today’s session?
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 354 Refection: (3 minutes)
As a group, brainstorm glows and grows.
1. What can be improved on for the next session?
GROWS:
3.
2. What terms or ideas do we need to spend additional time on? How can the students or volunteers come better prepared to make the next session efcient and productive?
2.
UK GREEN INSTRUCTOR SESSION 3
Share with students that in the spring, RTSWS will return to their school for the Spring Mentorship. During the Spring Mentorship, students will work with their mentors on university and career readiness.
Reminders for Next Session: (3 minutes)
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Have the students write down the next session date you will be meeting. Remind students of the upcoming RTSWS feld trip that will take place after session #5.
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Students will be able to… • Understand that a person’s risk tolerance level will impact the investments they are willing to make. • Distinguish between simple and compound interest. • Defne stock market volatility as a measure of fuctuations in stock prices. Low volatility means small fuctuations and high volatility means large fuctuations. • Prepare fnal recommendations for Janella’s budget and fnancial decisions. Session #4 Prep Info: RTSWS Learning Objectives: NOTES I NSTRUCTOR HANDBOOK • Lesson Plan: Risk StockToleranceMarketVolatility Finalize Janella’s Budget Date: Session #4 Estimated Time of Lesson Plan: 60 minutes School Year: Year 10 - Upper Sixth UK GREEN INSTRUCTOR PRE-SESSION #4 GREEN PRE-SESSION 4 IPS4.1
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Essential Questions: • How does a person’s risk tolerance impact their investment decisions? • How are interest rates calculated and what are the diferences between simple interest and compound interest? • How does stock market volatility impact investors’ decisions? Understanding: • Before students can become informed investors, they must understand that every investment carries risk. Each investor must determine their risk tolerance. A number of factors including age and fnancial stability are important elements in determining a person’s risk tolerance. • When you lend or invest money, a higher interest rate is better because it means you earn more. When you borrow money, a lower interest rate is better because it means you pay less. SESSION #4 AGENDA: 1. Welcome 2. Attendance 3. Norms 4. Review Agenda 5. What is Risk Tolerance and Why is it Important? 6. Stock Market Review 7. Project Work Time: Financial Planning for Janella 8. Whole Group Refection 9. Reminders for Next Session Materials, Resources and Technology: • Volunteer curriculum books • Pull up Yahoo! Finance ahead of session to project on overhead (link is available within the RTSWS App under “Resources”) • Technology for project research time (personal laptops, tablets, phones) • Writing utensils for group projects UK GREEN INSTRUCTOR PRE-SESSION #4 PS4.2
B)
C)
E)
A) Risk tolerance is how much of a loss you’re prepared to handle. Your goals, investing timeline and comfort level all factor into the equation. Knowing your risk tolerance will drive how you invest Every investment has some level of risk. The more risk you take, the greater the potential returns are - and the greater the potential for losing money. All of the above I don’t know
A)
Which of the following is true of stock market volatility? Stock market volatility measures fuctuations in stock prices Low volatility can be interpreted as investors being very worried and acting on that fear Low volatility means small fuctuations, investors are not worried. High volatility means large fuctuations, which implies an element of fear in investors’ current attitudes Both A and C are true I don’t know
B)
E)
PS4.3 I
C)
D)
GREEN UK INSTRUCTOR SESSION x GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Assessment Questions Related to Session 4 UK GREEN INSTRUCTOR PRE-SESSION #4
Which of the following is important to know about risk tolerance and investing?
D)
GREEN UK INSTRUCTOR SESSION x GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR PRE-SESSION #4 PS4.4 1. 2. 3. 4. 5. Every summer, many employers will welcome college students into their offices and host them for a summer internship opportunity. The internship provides these students with hands-on experiences and a first-hand look at the careers in finance they may be interested in pursuing. It provides college students with an increased clarity into what career path they may want to pursue after college graduation. However, more employers should offer students internship opportunities at the high school level. High school students are eager for discovery opportunities within the industry and can be a major asset to companies looking to get ahead of the competition and launch their talent recruitment sooner. TOP 5 REASONS TO WELCOME HIGH SCHOOL STUDENTS AS INTERNS AT YOUR COMPANY: TOP 5 REASONS YOUR COMPANY SHOULD HIRE HIGH SCHOOL INTERNS www.rockthestreetwallstreet.com QUESTIONS? Email info@rockthestreetwallstreet.com RTSWS students are top tier candidates and improve diversity of thought Community partnerships improve company energy & allow employees to share their knowledge Workforce development for your employees and the student They want to learn from YOU! Bridge the pipeline They want to learn from YOU!
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 60 Welcome & Allow Students to Get Settled: (5 minutes) Attendance: (3 minutes) Review Norms: (3 minutes) • Students enter classroom and get settled in their seats • Grab snacks for the session • Make sure they have their student curriculum books • Make sure they have a pen, pencil or marker • Whole group: Lead volunteer provides a brief introduction to who the team is and introduces any new volunteers Students share out loud: Name, grade and favorite beverage. • Remind students of the agreed upon norms from session 1 and 2. IMPORTANT! Volunteers or Student CEO take attendance. This qualifes students for alumnae benefts. START SESSION 4 The attendance will be taken via a Survey Monkey link. It will also be emailed to your Lead Volunteer and Student CEOs. UK GREEN INSTRUCTOR SESSION 4
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 4 61
Readtogether.through
How does stock market volatility impact investors’ decisions and their investments? Students should be aware of what they will be learning about today and what they can expect from the session.
Guiding Questions & Agenda: (2 minutes)
Let’s Teach! What is Risk Tolerance and Why is it Important? (11 minutes)
As a whole group, read “Think About It!” introduction the guiding question and agenda as a whole group. Guiding Questions: How does a person’s risk tolerance impact their investment decisions? How are interest rates calculated and what are the diferences between simple interest and compound interest?
Introduce New Key Terms: Investment Risk Risk
2. Who gave the riskiest advice? Why?
CompoundInterestToleranceInterest
Discuss students’ responses and then have students propose a defnition of “risk” as it relates to saving and investing.
Acknowledge that in order to choose the “best” advice, we need to learn more about Julia’s risk tolerance.
As a whole group, talk through the new key terms and their defnitions. Tip Ask: students what they would do if they were Julia. If they received £50, would they buy a lottery ticket, hide it in the house, buy a stock or put it into a savings account?
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 462 Ask the students
1. Who gave the best advice? Why?
NOTES
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UK GREEN INSTRUCTOR SESSION 4
Compound Interest Practice Problems & Answers
Find the compound interest and the total amount owed back after two years.
Total amount owed after 2 years = £2,100 (Principal) + £462 (Total Interest) = £2,562 Simple Interest Practice Problems & Answers
Total interest (2 years) = £231 x 2 years = £462
For interest and compound interest, there are 2 practice problems. Complete the practice problems together and talk through the diference between simple and compound interest based on the answers for each problem.
Interest in 1st year = £2,100 x 0.11 = £231
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 464
Total interest in 2nd year= £2,331 x 0.11 = £256.41
Total amount owed after 2 years = £2,331 + £256.41 = £2,587.41 Principal = £2,100 Annual rate of interest = 11%
Principal = £2,100
Total amount after 1st year = £2,100 + £231 = £2,331
Interest per year = £2,100 x 0.11 = £231
Annual rate of interest = 11%
NOTES
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 65
Where do accountants go during a storm? A tax shelter. UK GREEN INSTRUCTOR SESSION 4
FTSE 100 Quick Check: Have the RTSWS cohort share out loud 3 things they have learned so far about the stock market. Throughout the course of the fall sessions, we have been tracking Apple (AAPL). Today, we will do a fnal review of the stock and the FTSE 100.
Have Yahoo! Finance pulled up on the overhead screen or projected on the board. If able, students can also pull up Yahoo! Finance on their own devices. • https://uk.fnance.
With Yahoo! Finance pulled up, review and record as a whole group price & date note of how the prices have changed since last session what are some of the reasons the price might have gone up or down? much the company is up or down since market 12 month movement of out tab in Yahoo!
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 466 Stock Market Review: (15 minutes) Review
• Take
• How
the stock • Point
Finance
Last Week’s Key Terms:
the… • Company name • Ticker • Today’s
yahoo.com/
-
the “Sustainability”
open • The
• You
• Review
• Today’s
• How
open • The
ETF
• WHY
• Considered
Next, let’s review the FTSE 100: what it is the stocks within the index are chosen an important measure of how the UK stock market is performing can’t invest directly in the FTSE itself. But, you can invest in exchange-traded funds (ETFs) that track the FTSE. We are reviewing an ETF that tracks the FTSE today! Yahoo! Finance pulled up, review and record as a whole group ^FTSE’s… price & date much the ETF is up or down since market open might the ETF be up or down since market 12 month movement of the
• How
With
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 4 67
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 68 NOTES UK GREEN INSTRUCTOR SESSION 4
B) Low volatility can be interpreted as investors being very worried and acting on that fear.
E) I don’t know
Introduce the new investment key term to students.
A) Stock market volatility measures fuctuations in stock prices.
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Read through the defnition out loud and discuss the Napkin Finance graphic.
Introduce New Key Terms: Stock Market Volatility
D) Both A and C are true.
UK GREEN INSTRUCTOR SESSION 4
Which of the following is true of stock market volatility?
C) Low volatility means small fuctuations, investors are not worried. High volatility means large fuctuations, which implies an element of fear in investors’ current attitudes.
Post-Assessment Related Question
70 Project Time: (15 minutes)
UK GREEN INSTRUCTOR SESSION 4
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Have students physically split back into their fnancial planning groups. Any NEW students can either join a group of their choice or you can help introduce them to a group to be a part of. Once students are in their groups, read steps 1 - 3 of today’s Aftertask. reviewing the directions, set a timer for 13 minutes. Let students know when there are 10 minutes remaining, 5 minutes remaining and 1 minute remaining in group project time. As students are working, walk around the room and listen in on diferent groups. Help individual groups for a few minutes at a Betime.sure that students determine how much Janella should budget for each line item and also help prepare them to give their reasoning.
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At the end of time, have students move desks/chairs back to their original place and return to their seats.
Note: Some of the expenses are outlined for them within Janella’s notes and some have not been discussed. Instruct students to use Google to look up the average costs of each expense in Janella’s city. Ultimately, each group will make recommendations for Janella on how she spends her money. Should she purchase Netfix instead of Cable TV? Or do they recommend Janella not purchase any type of TV entertainment? Their recommendations are up to them!
UK GREEN INSTRUCTOR SESSION 4
Provide RTSWS cohort with 1 minute to quick write on something new they learned today. Then, ask 5 students to share out loud.
TIP: RTSWS volunteers should share too! Have the students write down the next session date you will be meeting. During RTSWS session #5, students will take the post-assessment. Remind them to study key terms! One top score from each cohort will win a gift card. Remind students of the upcoming RTSWS feld trip that will take place after session #5. Share with students that in the spring, RTSWS will return to their school for the Spring Mentorship. During the Spring Mentorship, students will work with their mentors on university and career readiness.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 72 Refection: (3 minutes) Reminders for the Next Session: (3 minutes) UK GREEN INSTRUCTOR SESSION 4
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 73UK GREEN INSTRUCTOR SESSION 4 REMIND STUDENTS NEXTPOST-ASSESSMENTOFSESSION! ONE TOP SCORE FROM EACH COHORT WILL RECEIVE A £25 GIFT CARD PRIZE!
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NOTES
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NOTES
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GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM KEY TERMS GLOSSARY78 KEY TERMS GLOSSARY
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NOTES
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Students will be able to… • Present their budgets and fnancial recommendations for Janella to the cohort. • Understand the benefts of having and maintaining a personal budget. • Be able to weigh wants vs. needs in making fnancial spending decisions. Session #5 Prep Info: RTSWS Learning Objectives: NOTES I NSTRUCTOR HANDBOOK • Lesson Plan: Wrap Up, Presentations & Looking Ahead to Field Trip and Spring Mentorship Date: Session #5 Estimated Time of Lesson Plan: 60 minutes School Year: Year 10 - Upper Sixth UK GREEN INSTRUCTOR PRE-SESSION #5 GREEN PRE-SESSION 5 PS5.1
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM Essential Questions: • How are a person’s wants and needs factored into creating and managing a budget? • What is most important to you when rating a company’s practices? Understanding: • Having and using a budget can help individuals and households better control their spending and achieve their fnancial goals. SESSION #5 AGENDA: 1. Welcome 2. Attendance 3. Norms 4. Review Agenda 5. Stock Market Review 6. Financial Literacy Key Terms 7. Post-Assessment 8. Group Presentation Prep Time 9. Presentations 10. Whole Group Refection 11. Field Trip & Spring Mentorship Reminders Materials, Resources and Technology: • Volunteer curriculum books • Pull up Yahoo! Finance ahead of session to project on overhead (link is available within the RTSWS App under “Resources”) • Technology for project research time (personal laptops, tablets, phones) • Writing utensils for group projects UK GREEN INSTRUCTOR PRE-SESSION #5 PS5.2
Assessment Questions Related to Session 5
A) True B) False C) I don’t
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
True or false: A 15-year mortgage typically requires higher monthly payments than a 30year mortgage but the total interest over the life of the loan will be less. know
UK GREEN INSTRUCTOR PRE-SESSION #5 PS5.3
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM www.rockthestreetwallstreet.com/internship-job-portal/ REMIND STUDENTS TO TAKE THE RTSWS CAREER QUIZ THEN REGISTER ON OUR INTERNSHIP & JOB PORTAL! Let them know the RTSWS Internship & Job Portal is a resource for RTSWS students and alumnae seeking internships and job opportunities in fnance, economics and related felds. REMIND YOUR COMPANIES AND FIRMS TO REGISTER ON THE RTSWS INTERNSHIP & JOB PORTAL, TOO! Post job and internship opportunities, browse resumes and gain early access to emerging fnancial talent! Our high school students have completed fnancial project-based activities, which unveil fnancial independence along with the exploration of fnancial careers. UK GREEN INSTRUCTOR PRE-SESSION #5 PS5.4
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM UK GREEN INSTRUCTOR SESSION 582 Guiding Questions & Agenda: Welcome & Allow Students to Get Settled: (5 minutes) Attendance: (3 minutes) Review Norms: (3 minutes) • Students enter the classroom and get settled in their seats • Grab snacks for the session • Make sure they have their student curriculum books • Make sure they have pen, pencil or marker • Whole group: Lead volunteer provides a brief introduction to who the team is and introduces any new volunteers Volunteers or Student CEO take attendance. Students share out loud: Name, grade and where they would live if they could choose anywhere. Remind students of the agreed upon norms from earlier sessions. START SESSION 5 The attendance will be taken via a Survey Monkey link. It will also be emailed to your Lead Volunteer and Student CEOs.
GREEN SESSION 5
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Talk through the guiding questions and agenda as a whole group. Guiding Questions: How should Janella’s wants and needs be factored into her Howbudget?can having and using a budget help a person or a household control their spending and achieve their fnancialgoals? Students should be aware of what they will be learning about today and what they can expect from the session.
GREEN SESSION 5Stock Market Review: (10 minutes)
Review Last Week’s Investment Key Term: Stock Market Volatility Ask students: How might current world events be afecting stock market volatility today?
Agenda: (3 minutes)
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM
Have Yahoo! Finance pulled up on the overhead screen or projected on the board. If able, students can also pull up Yahoo! Finance on their own devices. https://uk.fnance.yahoo.com/
84Throughout the course of the fall sessions, we have been tracking Apple (AAPL). Today, we will do a fnal review of the stock and the FTSE 100.
• Company name • Ticker • Today’s price & date
• Take note of how the prices have changed since last session - what are some of the reasons the price might have gone up or down?
With Yahoo! Finance pulled up, review and record as a whole group the…
Today,ranges.students will be sketching the 12 month chart of Apple Discuss(AAPL). out loud what should go on the x-axis (time frame) and what should go on the y-axis (stock price).
• Point out the “Sustainability” tab in Yahoo! Finance Show students how on Yahoo! Finance under “Chart,” you can view the history of a company stock by diferent date
• How much the company is up or down since market open
• The 12 month movement of the stock
UK GREEN INSTRUCTOR SESSION 5
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Next, let’s review the FTSE 100:
• Review what it is How the stocks within the index are chosen
•
• Today’s price & date How much the ETF is up or down since market open WHY might the ETF be up or down since market open. The 12 month movement of the ETF WHY the 12 month movement fuctuates and WHAT might cause FTSE to fuctuate?
•
• You can’t invest directly in the FTSE itself. But, you can invest in exchange-traded funds (ETFs) that track the FTSE. We are reviewing an ETF that tracks the FTSE today.
•
With Yahoo! Finance pulled up, review and record as a whole group ^FTSE’s…
UK GREEN INSTRUCTOR SESSION 5
•
• Considered an important measure of how the UK stock market is performing.
•
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 86 Introduce Key Terms: MortgageDebtLoan What do you call a liability without any friends? A loan Ask students: • How might Janella’s budget be impacted by loans, debt or mortgage? • What are the types of purchases they might make in their life in which they might have to take out a loan or mortgage? UK GREEN INSTRUCTOR SESSION 5
UK GREEN INSTRUCTOR SESSION 5
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NOTES
88 Post-Assessment: (10 minutes)
Set a timer for 7 minutes.
• Announce to the class when there are 3 minutes remaining • Announce to the class when there is 1 minute remaining
Read the directions with the students out loud. The post-assessment will be taken via a SurveyMonkey link. The link was emailed to your lead volunteer and to the also available in the RTSWS App.
Thestudents.linkis
*Please have students take the post-assessment ahead of their presentations. The post-assessment is a key indicator and measure of growth.
UK GREEN INSTRUCTOR SESSION 5
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Group Presentation Prep Time: (10 minutes)
What did the nut say when it held up the bank? me all the cashew have!”
“Give
As students are working, walk around the room and listen in on diferent groups. Help individual groups for a few minutes at a time.
UK GREEN INSTRUCTOR SESSION 5
Be sure that students not only identify what recommendations they will make to Janella, but also WHY.
Have students physically split back into their fnancial planning groups. Once students are in their groups, instruct them to use the Financial Planning Organization Chart to prepare for their 3-5 minute presentation that they will be doing today.
GREEN UK INSTRUCTOR WORKBOOK | WWW.ROCKTHESTREETWALLSTREET.COM 90Instruct
non-presenting groups to use the chart on the following page to record and take note of other groups’ budgets and recommendations. Encourage students to compare other groups’ decisions to the ones their group made.
UK GREEN INSTRUCTOR SESSION 5
Presentations: (25 minutes)
Encourage students to sign up for Spring Mentorship - if you plan to volunteer again as a mentor this spring, let them know you’ll be there.
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Remind students that there are more resources at the end of each session if they want to increase their fnancial literacy!
Refection: (3 minutes)
Provide RTSWS cohort with 1 minute to quick write on what students think is the most important piece of a budget.
Then, ask 5 students to share out loud.
Have the students write down the feld trip date.
Reminders for the Field Trip: (3 minutes)
TIP: RTSWS volunteers should share too!
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NOTES
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