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Interest Rates Teacher Resources
Find Interest Rates educational ideas and activities
Young scholars 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.
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 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.
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.
Students explore the Federal Reserve System. In this Economics lesson, 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.
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.
Eighth graders explore credit card interest. They discuss how credit cards work and they examine a sample credit card record. Students discuss the interest rates and the additional costs associated with credit cards and interest. They examine how to apply interest rates and figure out how much an item will cost with interest added to the purchase price.
Students explore the concept of personal finance. In this philanthropy instructional activity, 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.
Stdents explore the operation of the commercial banking system and the mechanics of money creation through the lending process. They investigate various interest rates to develop the relationship between interest rates and risk and between between interest rates, investment, and economic growth.
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.
Students explore the world of credit cards and how they work. In this money management lesson plan, students are able to review and research real credit card companies pros and cons as they answer questions about identity theft, review case studies over real life credit card situations and calculate interest rates for given amounts.
Students follow teacher demonstration to compute and graph given interest problems on their TI-nspire calculator. In this compound interest lesson plan, students follow teacher lecture and demonstration to illustrate the effects that principal, interest rate and type of interest have on a loan.
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.
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.