{"id":92,"date":"2018-07-23T18:45:45","date_gmt":"2018-07-23T23:45:45","guid":{"rendered":"http:\/\/nwtech.edu\/alvacc\/?page_id=92"},"modified":"2025-09-10T08:30:47","modified_gmt":"2025-09-10T13:30:47","slug":"financial-literacy","status":"publish","type":"page","link":"https:\/\/nwtech.edu\/alvacc\/financial-literacy\/","title":{"rendered":"Personal Financial Literacy"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>Personal Financial Literacy course dates for Fall 2025:<\/h3>\n<ul>\n<li>September 10 &#8211; Class 1<\/li>\n<li>September 17 &#8211; Class 2<\/li>\n<li>September 24 &#8211; Class 3<\/li>\n<li>October 8 &#8211; Class 4<\/li>\n<li>October 22 &#8211; Class 5<\/li>\n<li>October 29 &#8211; Class 6 if needed<\/li>\n<\/ul>\n<p>No class on October 1 or 15.<\/p>\n<p>Makeup dates, if needed, will be determined after each class session.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]A Personal Financial Literacy course is available to high school students attending Northwest Tech programs but also need to meet that criteria for high school graduation requirements.<\/p>\n<p>Instructional materials from the Oklahoma Department of Career and Technology Education CIMC division will be used for the course.\u00a0 Class times for the course will be scheduled at the beginning of the semester.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]The following topics will be covered during the course:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 1 &#8211; Earning and Managing Income&#8221;]Unit 1: Earning and Managing an Income Objectives:<\/p>\n<ul>\n<li>Identify sources and types of income<\/li>\n<li>Discuss the long-term financial benefits of getting an education<\/li>\n<li>Discuss non-college education alternatives that could improve your financial future<\/li>\n<li>Compare needs vs wants<\/li>\n<li>Discuss the importance of living within your means<\/li>\n<li>List the basic steps in a financial spending plan<\/li>\n<li>State guidelines for using a spending plan<\/li>\n<li>Summarize methods of managing personal finances<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format) &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/09\/Unit-1-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 1 &#8211; Frascht<\/a><\/p>\n<p>Download Original Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-1.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 1 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-1-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 1 Test &#8211; <a href=\"https:\/\/forms.gle\/PsA43SF2HzDbrbgs8\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p><strong>Resources:<\/strong><\/p>\n<p>Average Salary by Degree &#8211; 2024 update &#8211;\u00a0<a href=\"https:\/\/smartasset.com\/retirement\/the-average-salary-by-education-level\" target=\"_blank\" rel=\"noopener\">https:\/\/smartasset.com\/retirement\/the-average-salary-by-education-level<\/a><\/p>\n<p>Oklahoma Minimum Wage info =\u00a0<a href=\"https:\/\/www.minimum-wage.org\/oklahoma\/overtime\" target=\"_blank\" rel=\"noopener\">https:\/\/www.minimum-wage.org\/oklahoma\/overtime<\/a><\/p>\n<p>Oklahoma\u00a0 Overtime and Labor Laws \u2013\u00a0<a href=\"https:\/\/www.overtime-flsa.com\/state-labor-laws\/oklahoma-overtime-laws\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.overtime-flsa.com\/state-labor-laws\/oklahoma-overtime-laws\/<\/a><\/p>\n<p>Bureau of Labor Statistics &#8211; Oklahoma Employment and Wage Estimates &#8211;\u00a0<a href=\"https:\/\/www.bls.gov\/oes\/current\/oes_ok.htm\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bls.gov\/oes\/current\/oes_ok.htm<\/a><\/p>\n<p>Office Vibe Job vs Career &#8211;<a href=\"https:\/\/www.officevibe.com\/blog\/job-vs-career\" target=\"_blank\" rel=\"noopener\">\u00a0https:\/\/www.officevibe.com\/blog\/job-vs-career<\/a><\/p>\n<p>Diffen Career vs Job &#8211;\u00a0<a href=\"https:\/\/www.diffen.com\/difference\/Career_vs_Job\" target=\"_blank\" rel=\"noopener\">https:\/\/www.diffen.com\/difference\/Career_vs_Job<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 2 &#8211; Understanding Taxes&#8221;]Unit 2: Understanding Taxes Objectives:<\/p>\n<ul>\n<li>Define gross and net income<\/li>\n<li>List items deducted by law from a paycheck<\/li>\n<li>List items deducted by request from a paycheck<\/li>\n<li>State the purposes of income taxes<\/li>\n<li>Discuss the consequences of failing to pay taxes<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/09\/Unit-2-Frascht-Version.pdf\" target=\"_blank\" rel=\"noopener\">Unit 2 &#8211; Frascht <\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-2.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 2 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-2-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 2 Test &#8211; <a href=\"https:\/\/forms.gle\/pWwWVRiQ89bkZ57p7\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Nerd Wallet &#8211; 2018-2019 Federal Tax Rates and Brackets &#8211;\u00a0<a href=\"https:\/\/www.nerdwallet.com\/blog\/taxes\/federal-income-tax-brackets\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nerdwallet.com\/blog\/taxes\/federal-income-tax-brackets\/<\/a><\/p>\n<p>Quicken Loans &#8211; Federal Tax Brackets &#8211;\u00a0<a href=\"https:\/\/www.quickenloans.com\/blog\/federal-income-tax-brackets\" target=\"_blank\" rel=\"noopener\">https:\/\/www.quickenloans.com\/blog\/federal-income-tax-brackets<\/a><\/p>\n<p>Kiplinger.com &#8211; Federal Tax Brackets &#8211;\u00a0<a href=\"https:\/\/www.kiplinger.com\/article\/taxes\/T056-C000-S001-what-are-the-income-tax-brackets-for-2019-vs-2018.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.kiplinger.com\/article\/taxes\/T056-C000-S001-what-are-the-income-tax-brackets-for-2019-vs-2018.html<\/a><\/p>\n<p>Oklahoma Tax Commission &#8211;\u00a0 Withholding Tables &#8211;\u00a0<a href=\"https:\/\/www.ok.gov\/tax\/documents\/2019WHTables.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ok.gov\/tax\/documents\/2019WHTables.pdf<\/a><\/p>\n<p>TaxBrackets.org &#8211; Oklahoma Withholding Tables &#8211;\u00a0<a href=\"https:\/\/www.tax-brackets.org\/oklahomataxtable\" target=\"_blank\" rel=\"noopener\">https:\/\/www.tax-brackets.org\/oklahomataxtable<\/a><\/p>\n<p>OKPolicy.org &#8211; State Spending &#8211;\u00a0<a href=\"https:\/\/okpolicy.org\/resources\/online-budget-guide\/expenditures\/state-government-expenditures\/state-spending-and-services\/\" target=\"_blank\" rel=\"noopener\">https:\/\/okpolicy.org\/resources\/online-budget-guide\/expenditures\/state-government-expenditures\/state-spending-and-services\/<\/a><\/p>\n<p>CNBC.com &#8211; What happens if\u00a0 don&#8217;t I don&#8217;t file on time &#8211;\u00a0<a href=\"https:\/\/www.cnbc.com\/2019\/04\/15\/taxes-are-due-april-15-heres-what-happens-if-you-dont-file-on-time.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.cnbc.com\/2019\/04\/15\/taxes-are-due-april-15-heres-what-happens-if-you-dont-file-on-time.html<\/a><\/p>\n<p>Policy Genius &#8211; What happens if I don&#8217;t pay my taxes &#8211;\u00a0<a href=\"https:\/\/www.policygenius.com\/taxes\/what-happens-if-you-dont-file-taxes\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.policygenius.com\/taxes\/what-happens-if-you-dont-file-taxes\/<\/a><\/p>\n<p>Business Insider &#8211; What can happen if you don&#8217;t pay your taxes &#8211;\u00a0<a href=\"https:\/\/www.businessinsider.com\/what-could-happen-if-you-dont-do-your-taxes-2017-3\" target=\"_blank\" rel=\"noopener\">https:\/\/www.businessinsider.com\/what-could-happen-if-you-dont-do-your-taxes-2017-3<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 3 &#8211; Banks and Other Financial Institutions&#8221;]Unit 3: Banks and Other Financial Institutions Objectives:<\/p>\n<ul>\n<li>List ways to establish a relationship with the financial system<\/li>\n<li>Compare the different types of financial institutions<\/li>\n<li>List types of savings institutions<\/li>\n<li>Discuss how savings accounts work and what restrictions may be imposed<\/li>\n<li>Compare the different kinds of checking accounts<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 &#8211;\u00a0<a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/09\/Unit-3-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 3 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-3.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 3 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-3-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 3 Test &#8211; <a href=\"https:\/\/forms.gle\/LHH4Ppwye35ndodJA\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>TheBalance.com &#8211; Money order versus Cashier&#8217;s check &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/money-orders-bank-checks-and-cashiers-checks-2385803\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/money-orders-bank-checks-and-cashiers-checks-2385803<\/a><\/p>\n<p>Sapling.com &#8211; Travel&#8217;s checks vs Cashier&#8217;s checks &#8211;\u00a0<a href=\"https:\/\/www.sapling.com\/8128987\/travelers-checks-vs-cashiers-checks\" target=\"_blank\" rel=\"noopener\">https:\/\/www.sapling.com\/8128987\/travelers-checks-vs-cashiers-checks<\/a><\/p>\n<p>Fairview Savings and Loan &#8211;\u00a0<a href=\"https:\/\/www.fairviewsavings.com\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.fairviewsavings.com\/<\/a><\/p>\n<p>Oklahoma Educators Credit Union &#8211;\u00a0<a href=\"https:\/\/oecu.com\/\" target=\"_blank\" rel=\"noopener\">https:\/\/oecu.com\/<\/a><\/p>\n<p>Oklahoma Central Credit Union &#8211;\u00a0<a href=\"https:\/\/www.oklahomacentral.creditunion\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.oklahomacentral.creditunion\/<\/a><\/p>\n<p>Oklahoma Banking Department &#8211;\u00a0<a href=\"http:\/\/banking.ok.gov\/\" target=\"_blank\" rel=\"noopener\">http:\/\/banking.ok.gov\/<\/a><\/p>\n<p>TheBalance.com &#8211; How Compound Interest Works &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/compound-interest-4061154\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/compound-interest-4061154<\/a><\/p>\n<p>TheBalance.com &#8211; How to Balance Your Checkbook &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/how-to-balance-your-checkbook-2385975\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/how-to-balance-your-checkbook-2385975<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 4 &#8211; Managing Financial Accounts&#8221;]Unit 4: Managing Financial Accounts Objectives:<\/p>\n<ul>\n<li>Compare the different types of checking accounts<\/li>\n<li>Explain the process of check endorsements<\/li>\n<li>Explain the importance of recording debit withdrawals and reconciling them against a financial statement<\/li>\n<li>List ways you and the bank can protect your personal information and assets when using online banking services<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 &#8211;\u00a0<a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/09\/Unit-4-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 4 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-4.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 4 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-4-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 4 Test &#8211; <a href=\"https:\/\/forms.gle\/fWJ4qhbAdtBbTSs36\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>TheBalance.com &#8211; ABA Numbers &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/what-is-an-aba-number-and-where-can-i-find-it-315435\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/what-is-an-aba-number-and-where-can-i-find-it-315435<\/a><\/p>\n<p>Bankrate.com &#8211; Best Checking Accounts of October 2019 &#8211;\u00a0<a href=\"https:\/\/www.bankrate.com\/banking\/checking\/rates\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bankrate.com\/banking\/checking\/rates\/<\/a><\/p>\n<p>TheBalance.com &#8211; The 7 Best High Interest Checking Accounts of 2019 &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/best-high-interest-checking-accounts-4164760\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/best-high-interest-checking-accounts-4164760<\/a><\/p>\n<p>TheBalance.com &#8211; See How to Endorse Checks &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/how-to-endorse-checks-315300\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/how-to-endorse-checks-315300<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 5 &#8211; Saving and Investing&#8221;]Unit 5: Saving and Investing Objectives:<\/p>\n<ul>\n<li>Discuss the importance of an emergency fund<\/li>\n<li>Discuss the concept of paying yourself first<\/li>\n<li>Compare types of savings accounts<\/li>\n<li>Evaluate the costs and benefits of investing in stocks, bonds, and mutual funds<\/li>\n<li>Discuss the importance of balancing risk and return<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 &#8211;\u00a0<a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/09\/Unit-5-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 5 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-5.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 5 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-5-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 5 Test &#8211; <a href=\"https:\/\/forms.gle\/vxW6JrePKaC8cXF59\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Nerdwallet.com &#8211; What is a Money Market Account? &#8211;\u00a0<a href=\"https:\/\/www.nerdwallet.com\/blog\/banking\/faq-money-market-account\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nerdwallet.com\/blog\/banking\/faq-money-market-account\/<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 6 &#8211; Retirement&#8221;]Unit 6: Retirement Objectives:<\/p>\n<ul>\n<li>Consider possible long-term investment needs<\/li>\n<li>Discuss the function of Social Security and its role in retirement income<\/li>\n<li>Examine how Social Security benefits are calculated<\/li>\n<li>Discuss how life stages affect the appropriate amount of risk in investments<\/li>\n<li>Describe various financial options for retirement planning<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 \u2013 <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-6-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 6 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-6.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 6 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-6-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 6 Test &#8211;<a href=\"https:\/\/forms.gle\/uUdcHDiriKwzQiTU6\" target=\"_blank\" rel=\"noopener\"> click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>SmartAsset.com &#8211; Retirement Calculator &#8211;\u00a0<a href=\"https:\/\/smartasset.com\/retirement\/retirement-calculator\" target=\"_blank\" rel=\"noopener\">https:\/\/smartasset.com\/retirement\/retirement-calculator<\/a><\/p>\n<p>Horizonok.net &#8211; Social Security: By the Numbers &#8211;\u00a0<a href=\"http:\/\/www.horizonok.net\/resource-center\/retirement\/social-security-by-the-numbers\" target=\"_blank\" rel=\"noopener\">http:\/\/www.horizonok.net\/resource-center\/retirement\/social-security-by-the-numbers<\/a><\/p>\n<p>Horizonok.net &#8211; Individual Retirement Plans &#8211;\u00a0<a href=\"http:\/\/www.horizonok.net\/p\/individual-retirement-plans\" target=\"_blank\" rel=\"noopener\">http:\/\/www.horizonok.net\/p\/individual-retirement-plans<\/a><\/p>\n<p>Horizonok.net &#8211; Retirement &#8211;\u00a0<a href=\"http:\/\/www.horizonok.net\/resource-center\/retirement\" target=\"_blank\" rel=\"noopener\">http:\/\/www.horizonok.net\/resource-center\/retirement<\/a><\/p>\n<p>Horizonok.net &#8211; Retirement Plan Distributions &#8211;\u00a0<a href=\"http:\/\/www.horizonok.net\/resource-center\/retirement\/retirement-plan-distributions\" target=\"_blank\" rel=\"noopener\">http:\/\/www.horizonok.net\/resource-center\/retirement\/retirement-plan-distributions<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 7 &#8211; Borrowing Money&#8221;]Unit 7: Borrowing Money Objectives:<\/p>\n<ul>\n<li>Identify ways to establish a good credit record<\/li>\n<li>Discuss the importance of reviewing credit reports<\/li>\n<li>Determine how and where to get accurate credit scores<\/li>\n<li>Formulate options for financing a vehicle<\/li>\n<li>Discuss factors that influence the vehicle you lease or purchase<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-7-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 7 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-7.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 7 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-7-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 7 Test &#8211; <a href=\"https:\/\/forms.gle\/k65cEmv9DqAgGv9S7\" target=\"_blank\" rel=\"noopener\">Click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>IFS &#8211; The Four C&#8217;s of Credit &#8211;\u00a0<a href=\"https:\/\/www.ifsautoloans.com\/the-four-cs-of-credit\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ifsautoloans.com\/the-four-cs-of-credit\/<\/a><\/p>\n<p>Edmunds.com &#8211; Depreciation Infographic &#8211;\u00a0<a href=\"https:\/\/www.edmunds.com\/car-buying\/how-fast-does-my-new-car-lose-value-infographic.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.edmunds.com\/car-buying\/how-fast-does-my-new-car-lose-value-infographic.html<\/a><\/p>\n<p>Consumer Reports.org &#8211; Pros and Cons of Car Leasing &#8211;\u00a0<a href=\"https:\/\/www.consumerreports.org\/buying-a-car\/pros-and-cons-of-car-leasing\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.consumerreports.org\/buying-a-car\/pros-and-cons-of-car-leasing\/<\/a><\/p>\n<p>Sourcelenders.com &#8211; Understanding Debt to Income Ratios &#8211;\u00a0<a href=\"https:\/\/www.resourcelenders.com\/understanding-debt-to-income-ratios-2836-rule\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.resourcelenders.com\/understanding-debt-to-income-ratios-2836-rule\/<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 8 &#8211; Credit Cards and Shopping Online&#8221;]Unit 8: Credit Cards and Shopping Online Objectives:<\/p>\n<ul>\n<li>Compare costs and benefits of using credit cards<\/li>\n<li>Analyze differences among credit cards, and the importance of comparison shopping for a credit card<\/li>\n<li>List fees associated with credit cards<\/li>\n<li>Discuss the importance of paying off a credit card on or before the payment due date<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 \u2013 <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-8-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 8 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-8.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 8 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-8-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Unit 8 Test &#8211; <a href=\"https:\/\/forms.gle\/eR1ZHB579eBHY79E7\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Fitssmallbusiness.com &#8211; 25 Online Shopping Statistics You Should Know &#8211;\u00a0<a href=\"https:\/\/fitsmallbusiness.com\/online-shopping-statistics\/\" target=\"_blank\" rel=\"noopener\">https:\/\/fitsmallbusiness.com\/online-shopping-statistics\/<\/a><\/p>\n<p>Thebalancesmb.com &#8211; The Biggest Internet and Mobile Retail Shopping Sites &#8211;\u00a0<a href=\"https:\/\/www.thebalancesmb.com\/top-mobile-retail-shopping-sites-2891929\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalancesmb.com\/top-mobile-retail-shopping-sites-2891929<\/a><\/p>\n<p>DigitalCommerce360.com &#8211; Percentage of Millennials Shopping Online &#8211;\u00a0<a href=\"https:\/\/www.digitalcommerce360.com\/2019\/03\/26\/millennials-online-shopping\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.digitalcommerce360.com\/2019\/03\/26\/millennials-online-shopping\/<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 9 &#8211; Consumer Fraud and Identify Theft&#8221;]Unit 9: Consumer Fraud and Identify Theft Objectives:<\/p>\n<ul>\n<li>Match consumer protection agencies with their descriptions<\/li>\n<li>Match consumer fraud techniques to their descriptions<\/li>\n<li>Analyze sales techniques used by sales personnel to get a consumer to make a purchase<\/li>\n<li>List options for making a consumer complaint<\/li>\n<li>List the effects of identity theft on victims<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 \u2013 <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-9-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 9 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-9.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 9 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-9-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 9 Test &#8211; <a href=\"https:\/\/forms.gle\/KvHmQkHrzibSnZ5m7\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Keeping Your Account Secure &#8211;\u00a0<a href=\"https:\/\/www.finra.org\/investors\/alerts\/keeping-your-account-secure-tips-protecting-your-financial-information\" target=\"_blank\" rel=\"noopener\">https:\/\/www.finra.org\/investors\/alerts\/keeping-your-account-secure-tips-protecting-your-financial-information<\/a><\/p>\n<p>Fortunly.com Statistics &#8211; <a href=\"https:\/\/fortunly.com\/statistics\/identity-theft-statistics\/#gref\" target=\"_blank\" rel=\"noopener\">https:\/\/fortunly.com\/statistics\/identity-theft-statistics\/#gref<\/a><\/p>\n<p>ConsumerAffairs.com &#8211;\u00a02019 Identity theft statistics &#8211;\u00a0<a href=\"https:\/\/www.consumeraffairs.com\/finance\/identity-theft-statistics.html#\" target=\"_blank\" rel=\"noopener\">https:\/\/www.consumeraffairs.com\/finance\/identity-theft-statistics.html#<\/a><\/p>\n<p>Nolo.com -Your Liability for Unauthorized Credit and Debit Card Charges <a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/unauthorized-credit-debit-card-charges-29654.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nolo.com\/legal-encyclopedia\/unauthorized-credit-debit-card-charges-29654.html<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 10 &#8211; Acquiring a Home&#8221;]Unit 10: Acquiring a Home Objectives:<\/p>\n<ul>\n<li>Compare the advantages and disadvantages of renting and owning a home<\/li>\n<li>Define terms related to financing a house<\/li>\n<li>Distinguish among types of mortgages<\/li>\n<li>Arrange in order the steps in buying a home<\/li>\n<li>State guidelines for estimating a budget for housing<\/li>\n<\/ul>\n<p>View 2019 Presentation (PDF format)\u00a0 \u2013 <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-10-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 10 &#8211; Frascht<\/a><\/p>\n<p>Download Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-10.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 10 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-10-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 10 Test &#8211; <a href=\"https:\/\/forms.gle\/JeJy5wwErYQQNzHH7\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Bankrate.com &#8211; Renting vs Buying a Home &#8211;\u00a0<a href=\"https:\/\/www.bankrate.com\/real-estate\/renting-vs-buying-a-home\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bankrate.com\/real-estate\/renting-vs-buying-a-home\/<\/a><\/p>\n<p>DaveRamsey.com &#8211; Should You Rent or Buy &#8211;\u00a0<a href=\"https:\/\/www.daveramsey.com\/blog\/buy-vs-rent-myths-busted\" target=\"_blank\" rel=\"noopener\">https:\/\/www.daveramsey.com\/blog\/buy-vs-rent-myths-busted<\/a><\/p>\n<p>DaveRamsey.com &#8211; How to Get a Mortgage &#8211;\u00a0<a href=\"https:\/\/www.daveramsey.com\/blog\/how-to-get-a-mortgage\" target=\"_blank\" rel=\"noopener\">https:\/\/www.daveramsey.com\/blog\/how-to-get-a-mortgage<\/a><\/p>\n<p>MoneyUnder30.com &#8211; How to Get Approved for Your First Mortgage &#8211;\u00a0<a href=\"https:\/\/www.moneyunder30.com\/get-approved-for-a-mortgage\" target=\"_blank\" rel=\"noopener\">https:\/\/www.moneyunder30.com\/get-approved-for-a-mortgage<\/a><\/p>\n<p>MoneyUnder30.com &#8211; How Much Cash Do You Really Need to Buy a Home &#8211;\u00a0<a href=\"https:\/\/www.moneyunder30.com\/how-much-cash-do-you-really-need-to-buy-a-home\" target=\"_blank\" rel=\"noopener\">https:\/\/www.moneyunder30.com\/how-much-cash-do-you-really-need-to-buy-a-home<\/a><\/p>\n<p>USNews.com &#8211; Mortgage Lenders &#8211;\u00a0<a href=\"https:\/\/loans.usnews.com\/mortgage-lenders\" target=\"_blank\" rel=\"noopener\">https:\/\/loans.usnews.com\/mortgage-lenders<\/a><\/p>\n<p>NerdWallet.com -Mortgage Lenders for First Time Buyers &#8211;\u00a0 <a href=\"https:\/\/www.nerdwallet.com\/best\/mortgages\/mortgage-lenders-first-time-home-buyers\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nerdwallet.com\/best\/mortgages\/mortgage-lenders-first-time-home-buyers<\/a><\/p>\n<p>NerdWallet.com &#8211; Reverse Mortgage: What It Is, How Seniors Use It-\u00a0<a href=\"https:\/\/www.nerdwallet.com\/blog\/mortgages\/reverse-mortgage\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nerdwallet.com\/blog\/mortgages\/reverse-mortgage\/<\/a><\/p>\n<p>SmartAsset.com &#8211; What Are the Different Types of Homes &#8211;\u00a0<a href=\"https:\/\/smartasset.com\/mortgage\/what-are-the-different-types-of-homes\" target=\"_blank\" rel=\"noopener\">https:\/\/smartasset.com\/mortgage\/what-are-the-different-types-of-homes<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 11 &#8211; Managing Risk&#8221;]Unit 11: Managing Risk Objectives:<\/p>\n<ul>\n<li>Investigate sources of insurance and how to get the best coverage and rates<\/li>\n<li>Identify types of insurance<\/li>\n<li>Match the types of automobile insurance to their definitions<\/li>\n<li>State consequences of not having automobile insurance<\/li>\n<\/ul>\n<p>View\u00a0 Presentation &#8211;\u00a0<a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-11-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 11 &#8211; Frascht<\/a><\/p>\n<p>Download Unit 11 Activities &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2018\/08\/Unit-11-Activities.pdf\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Download Unit 11 Test &#8211; <a href=\"https:\/\/forms.gle\/2QwtD1g2kPfVav4J8\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Humana.net &#8211; HMO vs PPO &#8211;\u00a0<a href=\"https:\/\/www.humana.com\/health-and-well-being\/hmo-vs-ppo\" target=\"_blank\" rel=\"noopener\">https:\/\/www.humana.com\/health-and-well-being\/hmo-vs-ppo<\/a><\/p>\n<p>MedMutual.com &#8211; HMO vs PPO &#8211;\u00a0<a href=\"https:\/\/www.medmutual.com\/For-Individuals-and-Families\/Health-Insurance-Education\/Compare-Health-Insurance-Plans\/HMO-vs-PPO-Insurance.aspx\" target=\"_blank\" rel=\"noopener\">https:\/\/www.medmutual.com\/For-Individuals-and-Families\/Health-Insurance-Education\/Compare-Health-Insurance-Plans\/HMO-vs-PPO-Insurance.aspx<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 12 &#8211; Gambling&#8221;]Unit 12:\u00a0 Gambling Objectives:<\/p>\n<ul>\n<li>Explain and evaluate the financial impact and consequences for gambling<\/li>\n<\/ul>\n<p>View Presentation &#8211;\u00a0<a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-12-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 12 &#8211; Frascht<\/a><\/p>\n<p>View Unit 12 Test &#8211; <a href=\"https:\/\/forms.gle\/vcCztsrjAecaQ4MQ8\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Wallethub.com &#8211; Most Gambling Addicted States &#8211;\u00a0<a href=\"https:\/\/wallethub.com\/edu\/states-most-addicted-to-gambling\/20846\/\" target=\"_blank\" rel=\"noopener\">https:\/\/wallethub.com\/edu\/states-most-addicted-to-gambling\/20846\/<\/a><\/p>\n<p>AmericanGaming.org &#8211; American Attitudes on Casino Gaming 2019 &#8211;\u00a0<a href=\"https:\/\/www.americangaming.org\/resources\/american-attitudes-on-casino-gaming-2019\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.americangaming.org\/resources\/american-attitudes-on-casino-gaming-2019\/<\/a><\/p>\n<p>Oklahoma Lottery Benefits &#8211;\u00a0<a href=\"https:\/\/www.lottery.ok.gov\/beneficiary.asp\" target=\"_blank\" rel=\"noopener\">https:\/\/www.lottery.ok.gov\/beneficiary.asp<\/a><\/p>\n<p>TulsaWorld.com &#8211; 15 Years Later &#8211;\u00a0<a href=\"https:\/\/www.tulsaworld.com\/news\/local\/education\/years-later-wasn-t-the-lottery-supposed-to-fund-education\/collection_8c2e31c1-3bf0-5ada-88f4-60439607563b.html#2\" target=\"_blank\" rel=\"noopener\">https:\/\/www.tulsaworld.com\/news\/local\/education\/years-later-wasn-t-the-lottery-supposed-to-fund-education\/collection_8c2e31c1-3bf0-5ada-88f4-60439607563b.html#2<\/a><\/p>\n<p>Addictions.com &#8211; 5 Alarming Gambling Statistics &#8211;\u00a0<a href=\"https:\/\/www.addictions.com\/gambling\/5-alarming-gambling-addiction-statistics\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.addictions.com\/gambling\/5-alarming-gambling-addiction-statistics\/<\/a><\/p>\n<p>TheRecoveryVillage.com &#8211; Gambling Addiction Facts and Statistics &#8211;\u00a0<a href=\"https:\/\/www.therecoveryvillage.com\/process-addiction\/compulsive-gambling\/related\/gambling-statistics\/#gref\" target=\"_blank\" rel=\"noopener\">https:\/\/www.therecoveryvillage.com\/process-addiction\/compulsive-gambling\/related\/gambling-statistics\/#gref<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 13 &#8211; Credit Woes&#8221;]Unit 13:\u00a0 Credit Woes Objectives:<\/p>\n<ul>\n<li>Discuss the consequences of not repaying loans on time<\/li>\n<li>List the credit warning signals<\/li>\n<li>Choose alternatives when debts cannot be paid<\/li>\n<li>Identify the advantages and disadvantages of credit consolidation<\/li>\n<li>Discuss the consequences of bankruptcy<\/li>\n<\/ul>\n<p>View Presentation &#8211;\u00a0<a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-13-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 13 &#8211; Frascht<\/a><\/p>\n<p>View Unit 13 Test &#8211; <a href=\"https:\/\/forms.gle\/SfFPucAdzZyb8nLX6\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>LexingtonLaw.com &#8211; Average Credit Card Debt Statistics &#8211;\u00a0<a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/average-credit-card-debt-statistics.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/average-credit-card-debt-statistics.html<\/a><\/p>\n<p>ValuePenquin.com &#8211; Average Credit Card Debt &#8211;\u00a0<a href=\"https:\/\/www.valuepenguin.com\/average-credit-card-debt\" target=\"_blank\" rel=\"noopener\">https:\/\/www.valuepenguin.com\/average-credit-card-debt<\/a><\/p>\n<p>TheBalance.com &#8211; When You Can&#8217;t Make Your Minimum Credit Card Payment &#8211;\u00a0<a href=\"https:\/\/www.thebalance.com\/cant-make-minimum-credit-card-payment-961000\" target=\"_blank\" rel=\"noopener\">https:\/\/www.thebalance.com\/cant-make-minimum-credit-card-payment-961000<\/a><\/p>\n<p>Debt.org &#8211; Forbearance and Deferment &#8211;\u00a0<a href=\"https:\/\/www.debt.org\/students\/forbearance-deferment\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.debt.org\/students\/forbearance-deferment\/<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 14 &#8211; Giving Back&#8221;]Unit 14:\u00a0 Giving Back<\/p>\n<ul>\n<li>Discuss the importance of charitable giving<\/li>\n<li>Identify types of charitable giving<\/li>\n<li>Discuss the impact of charitable giving<\/li>\n<\/ul>\n<p>View Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2019\/10\/Unit-14-Frascht.pdf\" target=\"_blank\" rel=\"noopener\">Unit 14 &#8211; Frascht<\/a><\/p>\n<p>Unit 14 Test &#8211;<a href=\"https:\/\/forms.gle\/ebsaG1QhNtvtLdSp7\" target=\"_blank\" rel=\"noopener\"> click here<\/a><\/p>\n<p>Resources:<\/p>\n<p>Forbes.com &#8211; America&#8217;s Top Charities 2018 &#8211;\u00a0<a href=\"https:\/\/www.forbes.com\/lists\/top-charities\/#1455b4d25f50\" target=\"_blank\" rel=\"noopener\">https:\/\/www.forbes.com\/lists\/top-charities\/#1455b4d25f50<\/a><\/p>\n<p>Forbes.com &#8211; The 100 Largest US Charities &#8211;\u00a0<a href=\"https:\/\/www.forbes.com\/top-charities\/list\/#tab:rank\" target=\"_blank\" rel=\"noopener\">https:\/\/www.forbes.com\/top-charities\/list\/#tab:rank<\/a>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;Unit 15 (New 2024) &#8211; Paying for Post-Secondary Education&#8221; css=&#8221;&#8221;]View Presentation &#8211; <a href=\"http:\/\/nwtech.edu\/alvacc\/wp-content\/uploads\/2024\/10\/Unit-15-Paying-for-Post-Secondary-Education.pdf\" target=\"_blank\" rel=\"noopener\">Paying for Post-Secondary Education<\/a><\/p>\n<p>Unit 15 Test &#8211; <a href=\"https:\/\/forms.gle\/NnzEy8hgdC32UPjA8\" target=\"_blank\" rel=\"noopener\">click here<\/a><\/p>\n<p>Resources:<\/p>\n<p><a href=\"https:\/\/www.ngpf.org\/curriculum\/paying-for-college\/?courseId=2&amp;lessonId=436&amp;course=2&amp;redirected=true\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; Paying for College\u00a0<\/a><\/p>\n<p><a href=\"https:\/\/docs.google.com\/document\/d\/1DTp73o_hlLXTQDwsN--8AkuaDa3yniyPQwo62yfwOcU\/edit\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; Applying for FAFSA<\/a><\/p>\n<p><a href=\"https:\/\/docs.google.com\/document\/d\/1R2oBRwNHYGnIGvy7Wu081is_cXU_IF0VXYCH4rv7IpI\/edit\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; Scholarships and Grants<\/a><\/p>\n<p><a href=\"https:\/\/docs.google.com\/document\/d\/1zsdqYsyI60QWATWT_H-Wha0lbRlGw0dIKAfL5VGQEzw\/edit\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; Student Loans<\/a><\/p>\n<p><a href=\"https:\/\/docs.google.com\/document\/d\/1I5kQFoJHYqQG-sOeyMkQmGdVvwMx5YIxtlpTg5pAsfQ\/edit\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; Financial Aid Packages<\/a><\/p>\n<p><a href=\"https:\/\/docs.google.com\/document\/d\/1xnt7CbRTGJFYh9-0_Db6lM2F1hvvhHm08QeHHKI9Ibw\/edit\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; Student Loan Repayment<\/a><\/p>\n<p><a href=\"https:\/\/drive.google.com\/file\/d\/152m8-MZOLjQpwXsbrLrAvm0NA1MgKbCT\/view\" target=\"_blank\" rel=\"noopener\">NGPF &#8211; FAFSA Process Flowchart<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<strong>Resources for students:<\/strong><\/p>\n<p>Oklahoma Minimum Wage info =\u00a0<a href=\"https:\/\/www.minimum-wage.org\/oklahoma\/overtime\" target=\"_blank\" rel=\"noopener\">https:\/\/www.minimum-wage.org\/oklahoma\/overtime<\/a><\/p>\n<p>Oklahoma\u00a0 Overtime and Labor Laws &#8211;\u00a0<a href=\"https:\/\/www.overtime-flsa.com\/state-labor-laws\/oklahoma-overtime-laws\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.overtime-flsa.com\/state-labor-laws\/oklahoma-overtime-laws\/<\/a>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator border_width=&#8221;10&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h3><strong>Auto Tech students<\/strong><\/h3>\n<p><a href=\"http:\/\/nwtech.edu\/alvacc\/additional-financial-literacy-info\/\">Click here<\/a> for additional information![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator border_width=&#8221;10&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<b>Career Center Coordinator &#8211; <\/b><a href=\"http:\/\/nwtech.edu\/alvacc\/personal-financial-literacy-career-center-coordinator-page\/\" target=\"_blank\" rel=\"noopener\">click here<\/a>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;] Personal Financial Literacy course dates for Fall 2025: September 10 &#8211; Class 1 September 17 &#8211; Class 2 September 24 &#8211; Class 3 October 8 &#8211; Class 4 October 22 &#8211; Class 5 October 29 &#8211; Class 6 if needed No class on October 1 or 15. Makeup dates, if needed, will be [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-92","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/pages\/92","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/comments?post=92"}],"version-history":[{"count":123,"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/pages\/92\/revisions"}],"predecessor-version":[{"id":9462,"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/pages\/92\/revisions\/9462"}],"wp:attachment":[{"href":"https:\/\/nwtech.edu\/alvacc\/wp-json\/wp\/v2\/media?parent=92"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}