Interest Rates Teacher Resources
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Banking 16: Why target rates vs. money supply
Using dual diagrams and workspaces, Sal provides a thorough explanation of target rates and money supply. Your class will appreciate his anecdotal approach to explain how interest rates are set, and how it affects potential "consumers of money."
How Is Our Economy Doing?
Students define gross domestic product, real GDP, consumer price index, interest rate, and unemployment rate. They explain how GDP, the consumer price index, industrial production, Treasury interest rates, changes in non-farm payrolls, and the unemployment rate are calculated.
Fiscal and Monetary Policy Process
What tools doe the Congress and the Federal Reserve can use to correct economic problems. Interested minds examine how the use of those tools affects the money supply, interest rates, and aggregate demand. This is a great resource with attached links, activities, and handouts.
Students explore the changing consumer habits of Americans of various socioeconomic classes. They examine the exact costs of products, services and interest rates mentioned in the article and reflect on their own spending habits and priorities.
Fed Orders Interest Rate Cut
Students read excerpts from a Washington Post article about a reduction in short term interest rates in 1998. They identify sections in it dealing with monetary policy. In another article, they compare the federal funds rate with other interest rates and create a graph illustrating what would happen to aggregate output if aggregate demand is restrained.
The Economics of Interest Rates
Young economists explore and then apply their understanding of the economics of interest rates and the relationship between saving and spending. They investigate several consumer products and compare each one. Then they complete two additional activities using the information they've found. Several good discussion questions are included to help you wrap up the lesson plan.
A Case Study: The Federal Reserve System and Monetary Policy - January 29, 2003
Follow the Federal Open Market Committee announcements and newspapers to look for stories about the Federal Reserve actions that target interest rates and boost spending and employment in the United States. This lesson incorporates math, economics, and current events in a real world context.
How Is Our Economy Doing?
Students examine how the GDP, the consumer price index, industrial production, Treasury interest rates, changes in non-farm payrolls, and the unemployment rate are calculated and what they assess.
It's A Not So Wonderful Life
Students use this lesson to familiarize themselves with the process of banking and the role of banks. In groups, they discover how a fractional reserve bank operates and how the Federal Reserve effects interest rates and the amount of money available in the economy.
Spend, Save, Invest or Donate (9-12)
Students explore the concept of personal finance. In this philanthropy lesson plan, students examine decisions they make about money as they discover the definitions of philanthropy, resources, scarcity, choice, benefits, costs, opportunity cost, interest, interest rate, principal, simple interest, compound interest, and compounding.
Monetary Policy Starts in Your Own Back Yard
Students explore the Federal Reserve System. In this Economics activity, students investigate the Fed’s role in formulating money policy through a simulation in which students become members of the board of directors of a Reserve Bank. Students explore how the directors of Reserve Banks contribute to interest rate setting decisions.
The Costs of Credit
Students discuss how using a credit card differs from using cash or checks. Using supply and demand, they develop a list of the determinants of credit. They list the costs and benefits of using credit. They calculate the amount of interest using the interest rate, principal and time.
The Economics of Homebuying
Students analyze the costs and benefits of owning a home. Using the cost-benefit analysis, they discover ways to reduce the costs of home ownership. They identify factors that affect the cost of mortgages and practice calculating them using different interest rates. They practice reading and interpreting charts as well.
Data Analysis: Investing is an "Interesting" Experience
Students compute interest earned. In this data analysis lesson, students examine investments and interest rates. They compute the total interest earned and find the simple interest.
In Debt or Not In Debt
Students investigate the use of credit cards. In this algebra lesson, students differentiate the interest rate of credit cards and how to stay debt free. They identify pros and cons of credit cards.
Fiscal and Monetary Policy Process
Students examine the tools of fiscal and monetary policy. They identify how economic stabilization tools affect the money supply, interest rates, and aggregate demand.
It's a Marathon, Not a Sprint
Eleventh graders are provided with an overview of the saving and investing process, how interest rates impact the decisions that savers and borrowers make and examines how the economic choices individuals make lead to certain positive and negative consequences.
The Hundred Penny Box
Students analyze the advantages of regular saving and how savings grow with compounding. After reading the story "The Hundred Penny Box", students define the terms "interest," "interest rate," and "compounding." Through several activities, the students learn how money is compounded through investment.
Are You Interested in My Dream Car?
Learners differentiate between interest rates. In this math lesson, students purchase a car with low interest and finance rate. They research banks online to compare interest rates.
How Much Will That House Cost?
What is a mortgage and how do you use it to pay for a house? Young financiers determine how much money is actually spent paying a mortgage payment on a home. They use their math skills to calculate monthly payments on a home given a 30 year or 15 year loan with varying interest rates.