Steven M. Reff
Economics Lecturer
University of Arizona
(2007 - 2016)
The 2015 University of Arizona
Five-Star Faculty Award
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Week 7:  Financial Literacy
Estimated Learning Time:  4 to 5 class periods (45 min. each)
Students' and Teachers' Testimonials
Standard 6:  Financial Literacy -- Financial Investments
Financial Literacy Lesson 11:  Establishing Credit
"In an on-level high school economics course, students are typically taught about a variety of
financial investments, including stocks, bonds, mutual funds, and exchange-traded funds (ETFs)."    
Ask Google AI 8
Financial Literacy Lesson 8:   Financial Investments
"In an on-level high school economics course, purchasing bonds is typically framed as "lending"
rather than "buying" to emphasize that a bond is a debt instrument (an IOU).
The curriculum generally covers three primary ways to acquire bonds:  directly via the government,
through a broker-dealer, or indirectly via mutual funds."  
Ask Google AI 10
Standard 6:  Financial Literacy -- Bonds
Standard 6:  Financial Literacy -- Establishing Credit
Financial Literacy Lesson 10:   Bonds
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
"In an on-level high school economics course, the topic of credit is typically covered within a
financial literacy or personal finance unit, focusing on practical applications such as establishing
credit, understanding credit scores, and managing debt, "  Ask Google AI 11
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Standard 6:  Financial Literacy -- Stocks
"High school courses that address the stock market focus on foundational knowledge to prepare
students for future financial decisions.  Lessons often cover how to make investment decisions by
considering factors like risk tolerance, time horizon, and the importance of diversification."   
Ask Google AI 9
Financial Literacy Lesson 9:   Stocks
Financial Literacy Lesson 11:  Purchasing a Home
Standard 6:  Financial Literacy -- Purchasing a Home
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
"High school economics/financial literacy units teach home purchasing by covering key steps:
assessing affordability, understanding mortgages, budgeting for down payments, and comparing
renting versus buying. "  Ask Google AI 12