Lesson 9: Compare the costs and benefits of two online and mobile checking and savings account options for a young adult who has just graduated from college and is starting a career. Answer the following questions: • What are the requirements to open an account? • What are the fees? • What are the available options for the user to access accounts, deposit checks, make a direct deposit, etc.? • What are the account minimums? • What are some hidden costs for each account? List the specifics for each online and mobile account. Explain which option is best overall for the recent college graduate.

Lesson 10: Discuss the costs and benefits of all of the non-traditional banking options discussed during this unit.

Lesson 11: Discuss what can be done to raise a credit score, as well as what you might do to lower it. Use the following key points to start your discussion: • Factors affecting a person's credit score • Ways that a person can improve their credit history

Lesson 12: Jason uses his credit card for all his monthly expenses. He pays only the minimum payment required every month. The credit card company charges him an interest rate, which is compounded monthly, and a penalty for a missed payment. Based on how principal and interest compound over time, is he doing the right thing by making the minimum payment? Justify your answer.

Lesson 13: Discuss the credit crisis in the United States. Use your research to answer the following questions: • What is the average credit card debt per age group? 

• What is the impact on each age group of this credit card debt? 

• Does this disadvantage overrule any advantages to using credit? 

• What trends are a result of this amount of credit card debt?