How do assignments made by online professionals get good scores? Here are tips to make your assignment look professional, from the Ask a Tech Teacher international team:

Top Tips And Tricks To Make Your Assignment Look Professional

Introduction

One of the most important aspects of an assignment is how you present your report. Similarly, when it comes to the art of assignment creation, it is not just about the content. It is also about how you present it to your professor.

A meticulously designed has the best assignment front page design, an executive summary, a table of contents, and its overall design and presentation.

Moreover, creating the best cover page design for assignments sets the tone for what’s to come next. This signals the readers that they are about to engage with something that will be interesting to read.

This article will emphasize the tips and tricks that will make your assignment look professional.

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Read the Full Story: National Public Radio (5/11) (more…)

I’m going to share a story with you I heard from a colleague about Jessica, one of her star students in high school. This is a powerful reminder that academic success doesn’t translate to financial acumen.

Jessica excelled in math and science, was the captain of the debate team, and had her sights set on attending a prestigious university. With a bright future, it seemed nothing could go wrong for Jessica.

However, despite her academic prowess, Jessica had never received formal education on financial literacy. Her parents, both busy professionals, assumed she would pick up financial skills along the way, just as they had. Unfortunately, this wasn’t the case. When Jessica received her acceptance letter from her dream university, she was ecstatic and took out multiple student loans, not fully understanding the long-term implications.

In her first year of college, Jessica signed up for credit cards to cover additional expenses, including a spring break trip with friends and furnishing her new apartment. She figured she would pay it all off once she started working after graduation. By her sophomore year, Jessica was juggling her studies with a part-time job, but the credit card bills were piling up. The interest rates were high, and she often paid only the minimum amount due, not realizing how quickly the debt was compounding.

Graduation came and Jessica landed a decent job. However, the starting salary wasn’t enough to cover her living expenses, student loan payments, and the mounting credit card debt. The financial stress took a toll on her mental health, and she found herself trapped in a cycle of debt.

If Jessica had received financial literacy education in high school, she might have understood the importance of budgeting, the dangers of high-interest loans, and the benefits of starting a savings plan early. She would have been more cautious about taking on debt and more strategic in her financial planning.

If you need online sites to help teach financial literacy, here are options. Pick the ones best suited to your group (Check here for updates to the list): (more…)

Last summer, I helped my niece create a cookie stand. She learned not only about baking but how to budget for supplies, manage earnings, and communicate with customers, which taught her money management while boosting her confidence in handling real-life business scenarios. These are the soft skills associated with financial literacy. The Ask a Tech Teacher team has put them together into an article to remind students–and teachers what students should know when they leave high school: 

Preparing Students for Future Careers with Soft Skills Training on Financial Decisions

Teachers hold many responsibilities outside regular education. These responsibilities include imparting knowledge and equipping our students with practical life skills beyond textbooks and exams. Financial literacy is one critical area that lies under our purview.

In today’s rapidly evolving job market, where our students can earn online while still in school, imparting these skills is more crucial than ever, and we must teach our students how to manage money effectively and make informed financial decisions.

So, how can we prepare our students for future financial stability? Let’s explore some innovative strategies below.

1. Hypothetical Small Businesses: From Idea to Execution

Imagine a classroom buzzing with entrepreneurial energy where students develop and execute small business ideas.

After they brainstorm business ideas, guide them to create business plans and simulate the launch of their small enterprises. This project-based approach fosters creativity and jones essential financial skills like the following:

• Budgeting: Your students will learn how to allocate business resources wisely; this includes creating a feasible startup cost and working out the marketing expenses and operational overheads. They will grapple with trade-offs real entrepreneurs grapple with; for example, they may have to do in-house marketing and direct the marketing budget to additional stock when demand is high.
• Cash flow management: As their “businesses” operate, your students will track income and expenses. Here, they may encounter cash flow challenges like delayed payments or unexpected costs, which will require them to strategize and prepare for such incidents.
• Profit and loss: Your students will also learn how to calculate profits and losses. Here, they will learn how to streamline their business to minimize losses by minimizing operational costs, switching suppliers, dropping low-moving items, and using other crucial business strategies.

 2. Teaching Them About Different Types of Loans By Stimulating An SBA Loan

After you get the hypothetical small businesses going, the next financial lesson to introduce includes scaling their businesses using different financing methods. That includes introducing your students to the world of loans, specifically Small Business Administration (SBA) loans.

The first step is defining what they are. SBA loans are facilitated by approved SBA lenders and backed by the U.S. Small Business Administration. They allow small businesses to access larger loan amounts, benefit from extended repayment terms, and secure lower interest rates. Explain to them the pros and cons of SBAs compared to other loans.

Next, walk your students through getting an SBA loan and focus especially on giving them a clear overview of SBA loan requirements.

Here are a couple of things to cover:

SBA Loan Basics

Explain the purpose of SBA loans and discuss eligibility criteria, loan terms, and repayment schedules. The eligibility requirements for businesses seeking assistance from the Small Business Administration (SBA) include the following:

• Business type: The business must be for-profit.
• Geographic scope: It should operate within the United States or its territories.
• Financing limitations: The business must be unable to secure financing through other non-government means (excluding personal funds) as of August 1, 2023.
• Equity requirement: Sufficient equity is necessary.
• Size criteria: The business must meet the SBA’s definition of a “small business.”
• Eligible industry: The business should operate in an eligible industry.
• Repayment ability: Demonstrating the ability to repay the loan is essential, considering credit score, earnings, and equity or collateral.

Loan Application Process

Your students can use their businesses to seek out hypothetical SBA loans. They can fill out the loan application forms while considering factors like creditworthiness, collateral, and business viability.

While doing this, they can also engage in risk assessment as you encourage them to think critically. What if their hypothetical business faces economic downturns? How will they repay the loan?

3. Soft Skills Training: Go Beyond Numbers and Formulas

Financial literacy isn’t just about crunching numbers; it’s also about mastering soft skills. Core soft skills ensure that a business and brand are well received. These soft skills include problem-solving skills, teamwork, and effective communication.

You can create practical scenarios for each soft skill you want them to learn and have your students roleplay; for example, to help them develop better communication skills, you can have them:

• Pitching ideas: Teach students to articulate their business concepts persuasively and confidently. This is important because whether they’re courting investors or negotiating terms, communicating effectively and using the correct language and mannerisms will be instrumental to their business success.
• Client interactions: How businesses present their product to the general public is vital to ensuring brand receptiveness. You can teach this by roleplaying client meetings and teaching your students how to explain financial options to potential investors and simplify complex terms and corporate jargon.

4. Introduce Them To Business Resources: Guiding Students Toward Financial Wisdom

Introduce students to reputable business resources. Websites like the Small Business Administration (SBA) provide loan requirements, eligibility, and application process guidelines.

Kick things up a notchy by introducing financial literacy workshops where you invite guest speakers from your community – financial advisors, bankers, or successful entrepreneurs – to share insights. Their real-world stories will resonate with students.

Endnotes

By blending project-based learning, soft skills training, and practical resources, we can empower our students by equipping them with key skills they require to be financially competent adults. They’ll grasp financial concepts and develop the resilience, adaptability, and confidence needed to make good financial decisions.

So, let’s nurture their financial skillset, one budget, one loan simulation, and one entrepreneurial dream at a time. After all, these skills aren’t just for the classroom; they’re for life. 

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“The content presented in this blog are the result of creative imagination and not intended for use, reproduction, or incorporation into any artificial intelligence training or machine learning systems without prior written consent from the author.”

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Jacqui Murray has been teaching K-18 technology for 30 years. She is the editor/author of over a hundred tech ed resources including a K-12 technology curriculum, K-8 keyboard curriculum, K-8 Digital Citizenship curriculum. She is an adjunct professor in tech ed, Master Teacher, webmaster for four blogs, freelance journalist on tech ed topics, contributor to NEA Today, and author of the tech thrillers, To Hunt a Sub and Twenty-four Days. You can find her resources at Structured Learning.

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