Mr. Ostman

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VIEW: Home \| Links \| Announcements \| Teacher \| Homework \| Grades \| Class Notes \| Classwork \| Course Overview \| Stock Market Basics \| Economics Dictionary \| Personal Finance Class \| PF Ch 2 Webquest \| Rules and Procedures \| Economics Calendar \| Grades \| Stock Market Project \| Determinants of Demand

Visit the TeacherWeb® videos to learn about the features, modifications, and customizations available on your website. Click here to learn more. Personal Finance Class You are currently using the Homework With Text Formatting page type. This is an old page type with limited formatting options. We would recommend switching to the Enhanced Text page, a more advanced page type with many more options. Click here for more information on the different page types. Please note: You may continue to use this page type if you desire. <P><FONT face="Verdana, Arial, Helvetica" color=#ffffff><B>- <P style="TEXT-ALIGN: center" align=center><SPAN style="COLOR: black; FONT-FAMILY: Verdana">Chapters 1 & 2 Vocabulary Review<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></P> <P><SPAN><FONT color=#000000>Your first assignment is to review your vocabulary and concepts in Chapters 1 & 2 through a game called <I>Concentration</I>. Go to the following website:<o:p></o:p></FONT></SPAN></P> <P><SPAN style="COLOR: white; FONT-FAMILY: Verdana"><A href="http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter01/game1_type_4/index.html"><SPAN style="FONT-SIZE: 7.5pt"><FONT color=#000000>http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter01/game1_type_4/index.html</FONT></SPAN></A><o:p></o:p></SPAN></P> <P><SPAN><FONT color=#000000>Click on "How To Play" for directions. You want to be timed so click on this option. You may play it as many times as you would like (within the class time). The top three times with the most pairs in the least tries will receive extra credit and the best time will get the most (10 points). Print the page with your score or let me see it to verify it.<o:p></o:p></FONT></SPAN></P> <P><SPAN><FONT color=#000000>Write your score below:<o:p></o:p></FONT></SPAN></P> <P><SPAN><FONT color=#000000>_______ pairs in ______ tries and my time was __________for ch. 1<o:p></o:p></FONT></SPAN></P> <P><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana"><FONT color=#000000>Next, do chapter 2.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="COLOR: black; mso-bidi-font-weight: bold">Go to the following website:</SPAN></FONT><SPAN style="COLOR: white; mso-bidi-font-weight: bold"><o:p></o:p></SPAN></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="COLOR: white; FONT-FAMILY: Verdana"><A href="http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter02/game1_type_4/index.html"><SPAN style="FONT-SIZE: 7.5pt">http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter02/game1_type_4/index.html</SPAN></A><o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="COLOR: white; FONT-FAMILY: Verdana"><o:p></o:p></SPAN></P> <P><SPAN><FONT color=#000000>Write your score below:<o:p></o:p></FONT></SPAN></P> <P><SPAN><FONT color=#000000>_______ pairs in ______ tries and my time was __________for ch. 2<o:p></o:p></FONT></SPAN></P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana"><FONT size=3> <P><B><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Do the practice test for chapter 1 at the following website:<o:p></o:p></SPAN></B></P> <P><B><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana"><A href="http://glencoe.mcgraw-hill.com/sites/0078687128/student_view0/unit1/chapter1/practice_tests.html">http://glencoe.mcgraw-hill.com/sites/0078687128/student_view0/unit1/chapter1/practice_tests.html</A><o:p></o:p></SPAN></B></P> <P><B><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">You do not need to submit your answers, just write your score here:<o:p></o:p></SPAN></B></P> <P><B><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Do the practice test for chapter 2 at the following website:<o:p></o:p></SPAN></B></P> <P><B><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana"><A href="http://glencoe.mcgraw-hill.com/sites/0078687128/student_view0/unit1/chapter2/practice_tests.html">http://glencoe.mcgraw-hill.com/sites/0078687128/student_view0/unit1/chapter2/practice_tests.html</A><o:p></o:p></SPAN></B></P> <P><B><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">You do not need to submit your answers, just write your score here:<o:p></o:p></SPAN></B></P> <P></FONT></P></SPAN> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana"></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Continue the personal finance modules. Work through module 8. Go to the following site and log on using your log in name and password I gave you in class. </SPAN><o:p></o:p></P> <P><A href="http://www.moneyskill.org/curriculum/launch.cfm"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Verdana">http://www.moneyskill.org/curriculum/launch.cfm </SPAN></A><o:p></o:p></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Your score will automatically be graded and sent to me when you are done. You may continue on to the next one if time allows as we will complete all the modules with a green check next to them throughout the trimester. Remember, your grade will be your average times 2 out of 200 points and weekly you will receive a completion grade. </SPAN><o:p></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: Verdana"><o:p><FONT color=#000000></FONT></o:p></SPAN></P> <P>-<FONT size=5> <FONT size=5> <P align=center><FONT color=#000000>Chapter 3 Online Activities</FONT></P> <P align=center><FONT color=#000000>Sections 3.2 & 3.3</FONT></P></FONT><FONT size=4> <P><FONT color=#000000>You will have two websites to navigate through for today’s activities.</FONT></P> <UL> <LI><FONT color=#000000>Go to </FONT></FONT><A href="http://www.moneyskill.org/curriculum/launch.cfm"><FONT color=#000000 size=3>http://www.moneyskill.org/curriculum/launch.cfm</FONT></A><FONT size=4><FONT color=#000000> and use your student login information to get to the modules. Try to work through module 12. Remember these are graded so do your best. Read the information before each set of questions.<BR></FONT></LI> <LI><FONT color=#000000>Next, go to </FONT></FONT><A href="http://pbskids.org/itsmylife/games/mad_money_flash.html"><FONT color=#000000 size=3>http://pbskids.org/itsmylife/games/mad_money_flash.html</FONT></A><FONT size=4><FONT color=#000000> and play the "Mad Money" game. Report to me if you met your goal and how much money you had left over after the 30 days (or how much money you lacked). You may try this as many times as the class period will allow. The best two scores will earn extra credit!</FONT></LI></UL></FONT> <P align=center><FONT color=#000000>Chapter 3 Online Activities</FONT></P> <P align=center><FONT color=#000000 size=1>Section 3.1</FONT></P></FONT><FONT size=2> <P align=center><FONT color=#000000></FONT></P> <P><FONT color=#000000></FONT></FONT><FONT color=#000000>Your first assignment is to review your vocabulary and concepts in Chapter3 through a game called <I>Concentration</I>. Go to the following website:</FONT></P><FONT size=1></FONT><FONT size=2> <P></FONT><A href="http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter03/game1_type_4/index.html"><FONT size=1>http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter03/game1_type_4/index.html</FONT></A></P><FONT size=2></FONT> <P><FONT color=#000000>Click on "How To Play" for directions. You want to be timed so click on this option. You may play it as many times as you would like (within the class time). The top three times with the most pairs in the least tries will receive extra credit and the best time will get the most (10 points). Print the page with your score or let me see it to verify it.</FONT></P> <P><FONT color=#000000>Write your score below:</FONT></P> <P><FONT color=#000000>_______ pairs in _______ tries and my time was ______________</FONT></P> <P><FONT color=#000000></FONT></P> <P><FONT color=#000000>The next part will be an activity on "Tracking Expenses and Budget". Go to the following site and log on using your log in name and password I gave you in class.</FONT></P><FONT size=2> <P></FONT><A href="http://www.moneyskill.org/curriculum/launch.cfm"><FONT size=2>http://www.moneyskill.org/curriculum/launch.cfm</FONT></A></P><FONT size=2></FONT> <P><FONT color=#000000>Your score will automatically be graded and sent to me when you are done. You may continue on to the next one if time allows as we will complete all the modules with a green check next to them throughout the trimester.</FONT></P><FONT size=2><FONT size=5> <P align=center><FONT color=#000000>Cell Phone Comparison</FONT></P></FONT> <P><FONT color=#000000>Go to the Let’s Talk website (Link Below) to compare cell phone information.</FONT></P> <P><FONT color=#000000>Choose the plan that is most appropriate for you.</FONT></P><FONT size=2></FONT><U><FONT color=#0000ff> <P>http://www.letstalk.com/product/findProducts.htm?pgId=101</P></U></FONT><FONT size=2> <P></P></FONT><FONT face="Comic Sans MS" size=4> <P align=center><FONT color=#000000>Cell Phone Comparison Chart</FONT></P></FONT> <TABLE cellSpacing=1 cellPadding=7 width=619 border=1> <TBODY> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Minutes Used</FONT></P></TD> <TD vAlign=top width="22%"><FONT size=2> <P>Plan 1</P> <P>Basic Plan </FONT></P></TD> <TD vAlign=top width="21%"><FONT size=2> <P>Plan 2</P> <P>Basic Plan </FONT></P></TD> <TD vAlign=top width="19%"><FONT size=2> <P>Plan 3</P> <P>Basic Plan </FONT></P></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Name of Company</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Monthly Cost</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Minutes Included</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Cost of 500 minutes per month</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Cost of 1000</P> <P>Minutes per month</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Cost of 1500</P> <P>Minutes per month</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Cost per minute over # allowed</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Text Charges</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Early termination charges</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR> <TR> <TD vAlign=top width="37%"><FONT size=2> <P>Other Fees (roaming, long distance?)</FONT></P></TD> <TD vAlign=top width="22%"></TD> <TD vAlign=top width="21%"></TD> <TD vAlign=top width="19%"></TD></TR></TBODY></TABLE><FONT size=2></FONT><FONT face="Comic Sans MS" size=4> <P><FONT color=#000000>Which plan can you afford and why would you choose this plan? Is it different than the plan you have now?</FONT></P></FONT><FONT size=2><FONT size=5> <P align=center><FONT color=#000000>Chapter 5 Online Activities</FONT></P></FONT><FONT size=2> <P align=center><FONT color=#000000>Your first assignment is to review your vocabulary and concepts in Chapter3 through a game called <I>Concentration</I>. Go to the following website:</FONT></P> <P></FONT><FONT color=#000000><A href="http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter05/game1_type_4/index.html">http://www.glencoe.com/olc_games/game_engine/content/gln_ba/bpfinance/chapter05/game1_type_4/index.html</A></FONT></P><FONT size=2> <P><FONT color=#000000>Click on "How To Play" for directions. You want to be timed so click on this option. You may play it as many times as you would like (within the class time). The top three times with the most pairs in the least tries will receive extra credit and the best time will get the most (10 points). Print the page with your score or let me see it to verify it.</FONT></P> <P><FONT color=#000000>Write your score below:</FONT></P> <P><FONT color=#000000>_______ pairs in _______ tries and my time was ______________</FONT></P> <P><FONT color=#000000></FONT></P> <P><FONT color=#000000>Register for my stock market game like you did in Economics Class. On this site at the top, click on "Stock Market Game" and follow the steps to register.</FONT></P> <P><FONT color=#000000></FONT></P> <P><FONT color=#000000>The next part will be the personal finance module. Work through module 12. Go to the following site and log on using your log in name and password I gave you in class.</FONT></P> <P></FONT><A href="http://www.moneyskill.org/curriculum/launch.cfm"><FONT color=#0000ff size=2>http://www.moneyskill.org/curriculum/launch.cfm</FONT></A></P><FONT color=#000000 size=2> <P>Your score will automatically be graded and sent to me when you are done. You may continue on to the next one if time allows as we will complete all the modules with a green check next to them throughout the trimester.</P> <P>For Wednesday, april 30, 2008</P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman"><FONT size=3>First go to </FONT><SPAN style="FONT-SIZE: 9pt"><A href="http://glencoe.mcgraw-hill.com/sites/0078687128/student_view0/unit2/chapter5/practice_tests.html">http://glencoe.mcgraw-hill.com/sites/0078687128/student_view0/unit2/chapter5/practice_tests.html</A><o:p></o:p></SPAN></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>And take the Chapter 5 practice test and record your score below after I see it or print it off and staple to this sheet</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman">SCORE:__________<o:p></o:p></FONT></FONT></P> <P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Go to the following website and read the article on “</FONT><SPAN>Can you teach your kids to be rich?” <FONT face="Times New Roman" size=3>and answer</FONT> </SPAN><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333; mso-bidi-font-weight: bold">the questions.<SPAN style="mso-spacerun: yes"> </SPAN>Use the backside if you need more room.<SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 10pt"><o:p></o:p></SPAN></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><A href="http://articles.moneycentral.msn.com/Investing/StockInvestingTrading/Canyouteachkidstoberich_article.aspx"><FONT face="Times New Roman">http://articles.moneycentral.msn.com/Investing/StockInvestingTrading/Canyouteachkidstoberich_article.aspx</FONT></A><o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><U><FONT size=3><FONT face="Times New Roman">Questions<o:p></o:p></FONT></FONT></U></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 39pt; TEXT-INDENT: -0.25in; mso-list: l0 level1 lfo1; tab-stops: list 39.0pt"><FONT face="Times New Roman"><SPAN style="mso-list: Ignore"><FONT size=3>1.</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><FONT size=3>What are </FONT></FONT><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333">three key characteristics Dr. Cora has identified that she believes most wealthy people possess?<SPAN style="mso-spacerun: yes"> </SPAN>Do you feel you possess any of these? Explain with examples<BR><BR><BR><BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"></SPAN><o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 39pt; TEXT-INDENT: -0.25in; mso-list: l0 level1 lfo1; tab-stops: list 39.0pt"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>2.</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333">How many states require financial education, according to the National Council on Economic Education? (MI is NOT one of them!)<BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"></SPAN><o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 39pt; TEXT-INDENT: -0.25in; mso-list: l0 level1 lfo1; tab-stops: list 39.0pt"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>3.</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333">Miller and his wife, Sheri, felt it was important to show their kids how to watch expenses.<SPAN style="mso-spacerun: yes"> </SPAN>How do the try to set a good example?<SPAN style="mso-spacerun: yes"> </SPAN>Explain what this means.<BR><BR><BR><BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"></SPAN><o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 39pt; TEXT-INDENT: -0.25in; mso-list: l0 level1 lfo1; tab-stops: list 39.0pt"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>4.</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333">How will Steve Miller’s son, Benji, accumulate $140,000 by the time he is 24? <BR><BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"></SPAN><o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 39pt; TEXT-INDENT: -0.25in; mso-list: l0 level1 lfo1; tab-stops: list 39.0pt"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>5.</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333">So what do you think?<SPAN style="mso-spacerun: yes"> </SPAN>Can wealth be taught?<SPAN style="mso-spacerun: yes"> </SPAN>Can you relate to financial lessons taught at home?<SPAN style="mso-spacerun: yes"> </SPAN>Give an example of a good or bad lesson on finances. <BR><BR><BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"></SPAN><o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 3pt"><SPAN style="COLOR: #333333"><FONT size=3><FONT face="Times New Roman">Next… Complete up through module 14 on <SPAN style="mso-spacerun: yes"><A href="http://www.moneyskill.org/curriculum/launch.cfm"><FONT face=Verdana color=#0000ff size=2>http://www.moneyskill.org/curriculum/launch.cfm</FONT></A> </SPAN></FONT></FONT><FONT face="Times New Roman" size=3>website.<SPAN style="mso-spacerun: yes"> </SPAN>After class today, I will grade up through module 12 (based on completion AND your score).<SPAN style="mso-spacerun: yes"> </SPAN>Check/update your stocks as well (</FONT><A href="http://vse.marketwatch.com/Game/Homepage.aspx"><FONT face="Times New Roman" size=3>http://vse.marketwatch.com/Game/Homepage.aspx</FONT></A><FONT size=3><FONT face="Times New Roman">).<o:p></o:p></FONT></FONT></SPAN></P> <P></P> <P style="TEXT-ALIGN: center" align=center><SPAN>Chapter 6 Online Activities<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Go to the following website to begin:<o:p></o:p></SPAN></P> <P><SPAN>TV411: Using Credit Cards Wisely (Flash plug-in required)<SPAN style="COLOR: #666666"> <A href="http://www.tv411.org/lessons/cfm/math.cfm?str=math&num=21&act=1" target=_blank>http://www.tv411.org/lessons/cfm/math.cfm?str=math&num=21&act=1</A><o:p></o:p></SPAN></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">This interactive lesson reviews percentages and decimals while teaching valuable information related to credit cards.<o:p></o:p></SPAN></P> <P><SPAN>Review basic credit card terminology.<SPAN style="mso-spacerun: yes"> </SPAN>As you do this define the following terms:<BR><U>Credit line:</U><o:p></o:p></SPAN></P> <P><U><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Grace Days or Period:<o:p></o:p></SPAN></U></P> <P><U><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Schumer Box:<o:p></o:p></SPAN></U></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">See how finance charges can add up over time.<SPAN style="mso-spacerun: yes"> </SPAN>Write down the 10 multiple choice answers:<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">1.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN>2.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN>3.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN>4.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN>5.<SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">6.<SPAN style="mso-spacerun: yes"> </SPAN>7.<SPAN style="mso-spacerun: yes"> </SPAN>8.<SPAN style="mso-spacerun: yes"> </SPAN>9.<SPAN style="mso-spacerun: yes"> </SPAN>10.<SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Learn ways to pay off credit card debt.<SPAN style="mso-spacerun: yes"> </SPAN>In the last section (part 3), The good, the bad and the ugly, keep track of the total amount of “yes” answers and “no” answers with tally marks.<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">YES total:<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">NO total:<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Use the following site to evaluate a credit card that you might use RESPONSIBILY one day.<SPAN style="mso-spacerun: yes"> </SPAN>Follow the directions and provide accurate information to get the right card for you. <o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana"><A href="http://www.mint.com/credit-cards/">http://www.mint.com/credit-cards/</A> <o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Write down the following information on the card (Click on the card name for this info) you chose.<o:p></o:p></SPAN></P> <P><SPAN lang=EN style="mso-ansi-language: EN"><FONT size=3><FONT face="Times New Roman">Issuing bank:<o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><FONT size=3><FONT face="Times New Roman">APR thereafter the intro rate:<o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><FONT size=3><FONT face="Times New Roman">Annual fee:<o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><FONT size=3><FONT face="Times New Roman">Rewards:<o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><FONT size=3><FONT face="Times New Roman">List atleast 3 Card Features you like:<o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN lang=EN style="mso-ansi-language: EN"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana"><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana"><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana"><o:p></o:p></SPAN></P> <P><SPAN>The next part will be the personal finance module. Work through module 20. Go to the following site and log on using your log in name and password I gave you in class.<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: white; FONT-FAMILY: Verdana"><A href="http://www.moneyskill.org/curriculum/launch.cfm">http://www.moneyskill.org/curriculum/launch.cfm</A><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Your score will automatically be graded and sent to me when you are done. You may continue on to the next one if time allows as we will complete all the modules with a green check next to them throughout the trimester.<o:p></o:p></SPAN></P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana"> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Go to the following site and get two sample FICO scores.<SPAN style="mso-spacerun: yes"> </SPAN>You must say you have a credit card and/or a loan.<SPAN style="mso-spacerun: yes"> </SPAN>Pick choices to get a very high FICO score and choices to get a low score.<SPAN style="mso-spacerun: yes"> </SPAN>Write those scores below<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">FICO Score Estimator <BR><A href="http://www.bankrate.com/brm/fico/calc.asp" target=_blank>http://www.bankrate.com/brm/fico/calc.asp</A><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">High Fico score range______________<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Verdana">Low<SPAN style="mso-spacerun: yes"> </SPAN>Fico score range______________<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Next, go to the following site to see the impact of a great verses a poor FICO score:</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.myfico.com/myfico/creditcentral/loanrates.aspx"><FONT face="Times New Roman" size=3>http://www.myfico.com/myfico/creditcentral/loanrates.aspx</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="COLOR: #333333"><FONT size=3><FONT face="Times New Roman">The Loan Savings Calculator shows how FICO® scores impact the interest you pay on a loan. Select a typical home loan of $100,000 in step 3, then in step 4, click on 760-850 and go back up to step three and click on “calculate”. (Just leave all other steps as they are) Write down<SPAN style="mso-spacerun: yes"> </SPAN>how much more you would have to pay just in interest for all the ranges below 760-850.<o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333"><SPAN style="mso-spacerun: yes"></SPAN></SPAN><o:p></o:p></FONT></FONT></P> <P> <TABLE class=MsoNormalTable style="MARGIN: auto auto auto 0.7pt; WIDTH: 243.75pt; mso-cellspacing: .7pt; mso-padding-alt: 0in 0in 0in 0in" cellSpacing=1 cellPadding=0 width=325 border=0> <TBODY> <TR style="mso-yfti-irow: 0; mso-row-margin-right: 2.35in"> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 1.5pt; BACKGROUND: #c9cdd1; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; WIDTH: 72.45pt; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8" width=97> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">700-759<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-cell-special: placeholder" width=226 colSpan=3> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3></FONT></P></TD></TR> <TR style="mso-yfti-irow: 1; mso-row-margin-right: 2.35in"> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 1.5pt; BACKGROUND: #c0cbd6; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; WIDTH: 72.45pt; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8" width=97> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">680-699<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-cell-special: placeholder" width=226 colSpan=3> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3></FONT></P></TD></TR> <TR style="mso-yfti-irow: 2; mso-row-margin-right: 2.35in"> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 1.5pt; BACKGROUND: #b7cada; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; WIDTH: 72.45pt; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8" width=97> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">660-679<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-cell-special: placeholder" width=226 colSpan=3> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3></FONT></P></TD></TR> <TR style="mso-yfti-irow: 3; mso-row-margin-right: 2.35in"> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 1.5pt; BACKGROUND: #adc7dd; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; WIDTH: 72.45pt; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8" width=97> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">640-659<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent; mso-cell-special: placeholder" width=226 colSpan=3> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3></FONT></P></TD></TR> <TR style="mso-yfti-irow: 4; mso-yfti-lastrow: yes"> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 1.5pt; BACKGROUND: #abc5e0; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; WIDTH: 72.45pt; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8" width=97> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">620-639<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; WIDTH: 157.4pt; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent" width=210> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent"> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P></TD> <TD style="BORDER-RIGHT: #ece9d8; PADDING-RIGHT: 0in; BORDER-TOP: #ece9d8; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; BORDER-LEFT: #ece9d8; PADDING-TOP: 0in; BORDER-BOTTOM: #ece9d8; BACKGROUND-COLOR: transparent"> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P></TD></TR></TBODY></TABLE></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman">This the most dramatic savings (or expense) you may experience in obtaining and keeping a great FICO score<o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Go to the following site:</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.myfico.com/crediteducation/questions/"><FONT face="Times New Roman" size=3>http://www.myfico.com/crediteducation/questions/</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Pick 5 questions that interest you and click on them, select the question AND answer and then hit print, selection and staple it to this paper.<SPAN style="mso-spacerun: yes"> </SPAN>You may cut and paste these into a Word doc and just print all five at once.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Read the article at this site and answer the questions on the back of this page.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.edmunds.com/car-loan/avoiding-credit-hassles-at-the-dealership.html"><FONT face="Times New Roman" size=3>http://www.edmunds.com/car-loan/avoiding-credit-hassles-at-the-dealership.html</FONT></A></P> <P></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">OPTIONAL…. But worth remembering<o:p></o:p></SPAN></P> <P><SPAN>FICO Score Estimator <BR><A href="http://www.bankrate.com/brm/fico/calc.asp" target=_blank>http://www.bankrate.com/brm/fico/calc.asp</A><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Calculate your credit-worthiness using this ten question interactive tool. Your FICO score is an indicator of your current credit health since it is an evaluation of your credit history.<o:p></o:p></SPAN></P> <P><SPAN>Free Credit Report Online<BR><A href="https://www.annualcreditreport.com/cra/index.jsp" target=_blank>https://www.annualcreditreport.com/cra/index.jsp</A> <o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">Use the above-referenced site to obtain a free credit report from a secure server. Federal law grants all </SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:country-region><st1:place><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana">U.S.</SPAN></st1:place></st1:country-region><SPAN style="FONT-SIZE: 9pt; FONT-FAMILY: Verdana"> citizens access to a free credit report every year, although not all states can access this information online. If you have been denied credit, you are automatically allowed free access to your report. Take advantage of these opportunities to become informed—it is not just a privilege, it is your right!<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 18pt"><FONT face="Times New Roman">Online Activities on Credit Cards<o:p></o:p></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Reading your credit card bill.<SPAN style="mso-spacerun: yes"> </SPAN>Go to the following site and define the parts of your bill below.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.practicalmoneyskills.com/flash/bank_tutor/index.html"><FONT face="Times New Roman" size=3>http://www.practicalmoneyskills.com/flash/bank_tutor/index.html</FONT></A><BR><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">Payment due date-<o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">Credit line-<o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">Credit available-<o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">New Balance-<o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">Minimum Payment Due-<o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">Transaction List-<o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><I style="mso-bidi-font-style: normal"><FONT size=3><FONT face="Times New Roman">Finance Charge Summary- <o:p></o:p></FONT></FONT></I></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Credit card Information and Quiz.<SPAN style="mso-spacerun: yes"> </SPAN>Read the article on the following site and then take the quiz that follows and write down your score.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://money.cnn.com/magazines/moneymag/money101/lesson9/index.htm"><FONT face="Times New Roman" size=3>http://money.cnn.com/magazines/moneymag/money101/lesson9/index.htm</FONT></A><BR><BR><FONT face="Times New Roman" size=3>Quiz Score_________</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>To pay off your credit card bill.<SPAN style="mso-spacerun: yes"> </SPAN>Go to the following site and calculate the numbers.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx"><FONT face="Times New Roman" size=3>http://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman">If you have the average credit card bill of<SPAN style="mso-spacerun: yes"> </SPAN></FONT></FONT><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">$10,700 at 19.9 % APR and make the minimum monthly payment of $214 (which is 2% of balance), how long will it take to pay off the card and how much interest will you pay?</SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Number of months _________</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Total amount to be repaid = (months times $214)=________________</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Total interest only ( total to be repaid minus </FONT><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">$10,700)=__________________<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">Continue on with the moneyskill module through 25.<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial"><o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 10.5pt; FONT-FAMILY: Arial">Finally, check and update your stocks AND write down your screen name on the website. </SPAN><o:p></o:p></P> <P> <P><SPAN>Chapter 7 Online Activities<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Go to the following site and write down the answers to the questions.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.tv411.org/lessons/cfm/math.cfm?str=math&num=30&act=1"><FONT face="Times New Roman" size=3>http://www.tv411.org/lessons/cfm/math.cfm?str=math&num=30&act=1</FONT></A></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">Mortgage Vocabulary.<SPAN style="mso-spacerun: yes"> </SPAN>Write down the 9 multiple choice answers:<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">1.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN>2.<SPAN style="mso-spacerun: yes"> </SPAN>3.<SPAN style="mso-spacerun: yes"> </SPAN>4.<SPAN style="mso-spacerun: yes"> </SPAN>5.<SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">6.<SPAN style="mso-spacerun: yes"> </SPAN>7.<SPAN style="mso-spacerun: yes"> </SPAN>8.<SPAN style="mso-spacerun: yes"> </SPAN>9.<SPAN style="mso-spacerun: yes"> </SPAN><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">How much can you afford?.<SPAN style="mso-spacerun: yes"> </SPAN>Write down the 8 fill in the blank answers:<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">1.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN>2.<SPAN style="mso-spacerun: yes"> </SPAN>3.<SPAN style="mso-spacerun: yes"> </SPAN>4.<SPAN style="mso-spacerun: yes"> </SPAN>5.<SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">6.<SPAN style="mso-spacerun: yes"> </SPAN>7.<SPAN style="mso-spacerun: yes"> </SPAN>8.<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><SPAN style="mso-spacerun: yes"></SPAN><o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">Factoring your Mortgage. <SPAN style="mso-spacerun: yes"></SPAN>In the last section (part 3), keep track of the total amount of “yes” answers and “no” answers with tally marks.<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">YES total:<o:p></o:p></SPAN></P> <P><SPAN style="FONT-SIZE: 8pt; COLOR: black; FONT-FAMILY: Verdana">NO total:<o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Go to the following site and write down 10 ways you could save money with your lifestyle right now.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><A href="http://www.smartaboutmoney.com/ResourceLibrary/SearchResults/tabid/442/default.aspx?m=832&RID=118"><FONT face="Times New Roman">http://www.smartaboutmoney.com/ResourceLibrary/SearchResults/tabid/442/default.aspx?m=832&RID=118</FONT></A><o:p></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-SIZE: 9pt"><o:p><FONT face="Times New Roman"></FONT></o:p></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Go to the following site and write down the 5 <SPAN style="mso-spacerun: yes"></SPAN>steps for Budgeting for Lazy People.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.mint.com/blog/the-motley-fool/budget-management-for-lazy-people/"><FONT face="Times New Roman" size=3>http://www.mint.com/blog/the-motley-fool/budget-management-for-lazy-people/</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Go to </FONT><A href="http://www.elementslink.net/mi-safcu"><FONT face="Times New Roman" size=3>http://www.elementslink.net/mi-safcu</FONT></A><FONT size=3><FONT face="Times New Roman"> and scroll down to the “Quiz Show ?” section.<SPAN style="mso-spacerun: yes"> </SPAN>Take all three quizzes and record your score below: <o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><EM><SPAN style="FONT-SIZE: 8.5pt; COLOR: black; FONT-FAMILY: Verdana">New!</SPAN></EM><SPAN style="FONT-SIZE: 8.5pt; COLOR: black; FONT-FAMILY: Verdana"> Are you money smart? <BR><A href="http://www.elementspodcast.com/quizzes/financial_IQ_1007_output/quizmaker.html"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman'">Test Your Financial IQ.</SPAN></A><SPAN style="mso-spacerun: yes"> </SPAN>SCORE:________<BR><BR><EM><SPAN style="FONT-FAMILY: Verdana">New!</SPAN></EM> Ready for a credit card?<BR><A href="http://www.elementspodcast.com/quizzes/credit_card_1007_output/quizmaker.html"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman'">Take The Great Credit Card Test.<SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="COLOR: black; TEXT-DECORATION: none; text-underline: none">SCORE:________</SPAN><SPAN style="COLOR: #003399; TEXT-DECORATION: none; text-underline: none"><BR></SPAN></A><BR><EM><SPAN style="FONT-FAMILY: Verdana">New!</SPAN></EM> Surprised when bills show up?<BR><A href="http://www.elementspodcast.com/quizzes/budgeting_1007_output/quizmaker.html"><SPAN style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman'">Take the All About Budgeting Quiz.</SPAN></A> </SPAN><SPAN style="FONT-SIZE: 14pt"><SPAN style="mso-spacerun: yes"><FONT face="Times New Roman"></FONT></SPAN></SPAN><SPAN style="FONT-SIZE: 8.5pt; COLOR: black; FONT-FAMILY: Verdana">SCORE:________<BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman">Go to<SPAN style="mso-spacerun: yes"> </SPAN></FONT></FONT><A href="http://cheboygan.suddenvalues.com/"><SPAN style="FONT-SIZE: 14pt"><FONT face="Times New Roman">http://cheboygan.suddenvalues.com/</FONT></SPAN></A><FONT size=3><FONT face="Times New Roman"><SPAN style="mso-spacerun: yes"> </SPAN>and check out the local coupons you might like to use.</FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P><SPAN><FONT size=3><FONT face="Times New Roman">Complete up through module 25 on <SPAN style="mso-spacerun: yes"></SPAN></FONT></FONT><A href="http://www.moneyskill.org/curriculum/launch.cfm"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Verdana">http://www.moneyskill.org/curriculum/launch.cfm</SPAN></A><FONT size=3><FONT face="Times New Roman"> website. <BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"><o:p></o:p></FONT></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="COLOR: #333333"><FONT face="Times New Roman" size=3>Check/update your stocks as well (</FONT><A href="http://vse.marketwatch.com/Game/Homepage.aspx"><FONT face="Times New Roman" size=3>http://vse.marketwatch.com/Game/Homepage.aspx</FONT></A></SPAN><o:p></o:p></P> <P></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 18pt"><FONT face="Times New Roman">Mortgage Webquest<o:p></o:p></FONT></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Highlight and print 5 questions related to home buying you are interested in from either site below:</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.hud.gov/offices/hsg/sfh/buying/buyhm.cfm"><FONT face="Times New Roman" size=3>http://www.hud.gov/offices/hsg/sfh/buying/buyhm.cfm</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.newbuyer.com/homes/homeguide/index.html"><FONT face="Times New Roman" size=3>http://www.newbuyer.com/homes/homeguide/index.html</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman">Go to the following website and click on <SPAN lang=EN style="COLOR: black; mso-ansi-language: EN"><A href="javascript:void(window.open('http://partners.leadfusion.com/leadfusion/freddiemac/home04/tool.fcs?type=popup&width=590&height=670','FMpopup0',%20'height=400,width=590,top=169,left=217,resizable=yes,scrollbars=yes',%20true))">mortgage calculator</A> (First bullet under <I style="mso-bidi-font-style: normal">Responsibilities that come with a mortgage)</I></SPAN></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><A href="http://www.freddiemac.com/corporate/buyown/english/mortgages/what_is/"><FONT face="Times New Roman" size=3>http://www.freddiemac.com/corporate/buyown/english/mortgages/what_is/</FONT></A></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>The calculator is preset to a $100,000 mortgage at 6.5% for 30 years.<SPAN style="mso-spacerun: yes"> </SPAN>Leave everything the same, but in the row labeled “</FONT><SPAN class=fclabelfont1><SPAN style="FONT-SIZE: 9pt"><FONT face=Arial>Years before you sell or pay off loan” , </FONT></SPAN></SPAN><FONT face="Times New Roman" size=3>change this to 30.<SPAN style="mso-spacerun: yes"> </SPAN>Click on the Tables tab and answer the following questions.<SPAN style="mso-spacerun: yes"> </SPAN>You only need to focus on the part labeled </FONT><SPAN class=fctableheadfont1><SPAN style="FONT-SIZE: 9pt"><FONT face=Arial>Your monthly schedule of payments – Fixed:<BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"><o:p></o:p></FONT></SPAN></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 36.75pt; TEXT-INDENT: -18.75pt; mso-list: l0 level1 lfo1; tab-stops: list 36.75pt"><SPAN class=fctableheadfont1><SPAN style="FONT-WEIGHT: normal; FONT-FAMILY: 'Times New Roman'; mso-bidi-font-weight: bold; mso-ansi-font-size: 12.0pt; mso-bidi-font-size: 12.0pt"><SPAN style="mso-list: Ignore"><FONT size=3>1.)</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN></SPAN><SPAN class=fctableheadfont1><SPAN style="FONT-FAMILY: 'Times New Roman'; mso-ansi-font-size: 12.0pt; mso-bidi-font-size: 12.0pt"><FONT size=3>For your first payment in month 1 of $632, how much of that goes to pay off the principle and how much for just the interest on the loan?<BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"><o:p></o:p></FONT></SPAN></SPAN></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 36.75pt; TEXT-INDENT: -18.75pt; mso-list: l0 level1 lfo1; tab-stops: list 36.75pt"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>2.)</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN><FONT size=3><FONT face="Times New Roman">After the first year (look at the 12 month row), how much interest have you paid and how much do you still owe of the $100,000 loan?<BR><BR><BR style="mso-special-character: line-break"><BR style="mso-special-character: line-break"><o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt 36.75pt; TEXT-INDENT: -18.75pt; mso-list: l0 level1 lfo1; tab-stops: list 36.75pt"><FONT face="Times New Roman"><SPAN style="mso-list: Ignore"><FONT size=3>3.)</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN><FONT size=3>Flip or scroll to the end of the FIXED chart (look at the 360 month row).<SPAN style="mso-spacerun: yes"> </SPAN>On the $100,000 loan how much would one pay in total interest only?<o:p></o:p></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman">Go to<SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-spacerun: yes"></SPAN></FONT></FONT><A href="http://www.homes.com/"><FONT face="Times New Roman" size=3>http://www.homes.com/</FONT></A><FONT face="Times New Roman" size=3> <SPAN style="mso-spacerun: yes"></SPAN>and start with Cheboygan zip 49721 or any city you would like to live in.<SPAN style="mso-spacerun: yes"> </SPAN>Find at least two listings of homes- one at a practical price and one very high.</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=3><FONT face="Times New Roman"><U>House #1</U><SPAN style="mso-spacerun: yes"> </SPAN><U>House #2<o:p></o:p></U></FONT></FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><U><o:p><SPAN style="TEXT-DECORATION: none"><FONT face="Times New Roman" size=3></FONT></SPAN></o:p></U></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Price:<SPAN style="mso-spacerun: yes"> </SPAN>Price:</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3></FONT></o:p></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>City:<SPAN style="mso-spacerun: yes"> </SPAN>City:</FONT></P> <P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Square ft:<SPAN style="mso-spacerun: yes"> </SPAN>Square ft.</FONT></P> <P><FONT face=Arial>Please check the Treasury's Challenge website (<STRONG><SPAN class=Object id=OBJ_PREFIX_DWT177><A href="http://challenge.treas.gov/" target=_blank>challenge.treas.gov</A></SPAN></STRONG>) for the latest information and to review the instructions for delivery.</FONT><BR></P></FONT></FONT></FONT></B></FONT> Automatically clean input to optimize for the web. 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