Checkbooks & Taxes

While digging around for something to write about this week I stumbled upon a transcript from a pretty cool podcast I appeared on several years ago. The show, Talking Fin Lit, which was sponsored by McGraw-Hill, was designed to look at issues of financial literacy and education. Host Mark Gura interviewed me at length about The Checkbook Project, and since March is the ideal time to kick off checkbooks in the classroom, I thought it might be neat to share some of the material. What’s here is actually the “pre-interview.” Though the show is no longer being produced, the web portal is still there, meaning you can hear the actual interview here.

TFL: We’ll start out by my asking you for your background. How long have you been a teacher? Curriculum writer? Describe your current involvement in Education, etc.

I’ve been teaching for twenty years. I’m currently teaching 4th and 5th grade in southern Oregon. I started writing material for Scholastic in 1998. My editor at Storyworks, one of the classroom magazines, has kind of championed my work, giving me opportunities to write for Scope, Scholastic News, Instructor, and other divisions. I’ve also published three books through Scholastic Teaching Resources.

When it comes to curriculum writing, I suspect every teacher is a curriculum writer to some degree. You get so much material thrown at you that just doesn’t work, material created by people who don’t actually teach, who don’t understand the realities of the classroom, and who certainly don’t know the unique needs of your given class, you end up creating your own.

I think what you see at TeachersPayTeachers, the website where people can purchase teacher-created curriculum, is something of a backlash against the big textbook companies. Not only is everything there created by people on the front lines of teaching, but it’s comparatively cheap, you can buy only what you need, and it’s kid-tested.
TFL: What attracted you to create Financial Literacy Curriculum?

I work hard to help kids connect what they do in school with the real world. Creating The Checkbook Project was an attempt to do that.

Kids and their families today tend to dismiss the importance of education—I call it “academic apathy.” It was particularly profound in a class I had six or seven years ago [now ten or twelve years ago]. In an effort to motivate that group of children, I started developing The Checkbook Project. It helped them connect their work habits with the real world. They could see the relationship between their habits and their financial or material success.

TFL: “The Checkbook Project classroom economy financial literacy” – is one of the FREE lessons available through the Teachers Pay Teachers. Can you comment about your decision to ‘give away’ this very well produced item? (and maybe you can comment about Teachers Pay Teachers while we’re at it)…

From a business standpoint, I’m using it to drive traffic to my website and to showcase the quality of my other material on TpT. Of course, I could have done that with one of my other products just a easily.
I’m pretty cynical about the way our society operates these day. I look at our economy and I see snake-oil salesmen at every turn. Those with financial savvy are taking advantage of a populace with very little financial sense. I want my students to see how the real world works so that they don’t become victims. Maybe I see making The Checkbook Project available for free as a way to stick it to The Man just a bit.

TFL: On your profile at TpT you state, “They’re my kids, so naturally I want the best for them. The materials I create are designed to give them the most academically-rewarding and personally enjoyable school experience possible.” How does The Checkbook Project reflect that understanding and philosophy?

My students love coming to class, and a big reason is the kid-centric activities I use. The Checkbook Project is especially engaging. Kids clamor to be in my class because of it. These days, my colleagues have all adopted it, so every 4th and 5th grader in our building gets to participate.

TFL: The Checkbook Project isn’t a “lesson” in the classic sense of the word. It’s more establishing a unique CONTEXT that establishes a model reality… one that models and demonstrates important (finance) lessons by immersing the students in it. It occurs to me that there’s something of the “MicroSociety” approach to education here (in which a miniature replica of the real world is established in the school or class so that the students can “live” it… and there’s something of MONOPOLY in it, too. Please take a few minutes to describe what The Checkbook Project is – How it runs in your classroom (and that of teachers who replicate it)…

A micro-society is a great way to describe it. In short, kids get paid for the work they do in the classroom. For example, they earn $1 for each percentage point on tests they’ve passed, they get paid for classroom jobs, and they earn money for turning in their homework. You could say it’s imaginary money, but it really isn’t because they turn around and use their earnings to pay rent on their desks, buy goods and services, and pay taxes. They keep track of all this in checkbook registers donated by local banks, and they report their earnings on a weekly tax report.

Each year the classroom economy takes on a life of its own. Kids start businesses, some selling products such as school supplies, jewelry, or candy, and others offering services such as desk cleaning. I’ve had kids start charities or become landlords. Every year some ingenious kid comes up with a new twist, and its always organic. All I do is get it started.

TFL: How did you come to develop The Checkbook Project?

I had a class of kids who were seriously apathetic about school. They didn’t care whether they passed tests or got good grades. Their parents didn’t seem to care if they did homework or even came to school. The Checkbook Project was designed to motivate them. The financial literacy that comes with it is a natural outcome.

TFL: What do you feel/know your students get from it?

The kids tend to improve their work ethic. They see the relationship between their work habits and financial success, and therefore make connections with the real world. It focuses kids on their habits, behaviors, and judgment.

Four years ago I had an extremely challenging class of kids, a class widely known for its poor behavior and thuggery; but after using The Checkbook Project for three months, it finished the year as one of the best classes in the school.

TFL: What sorts of response and feedback have you gotten from: Students? Parents? Supervisors? Replicating colleagues?

Everyone who has witnessed The Checkbook Project at work in my classroom has praised it. Because a non-performing student can become “homeless” or “bankrupt,” I always worry about offending parents, so I make a point to say that we’d rather have the kids learn these harsh lessons in 5th grade than in real life. Parents seem to get that.

TFL: Please describe the materials that are available for teachers interested in replicating… what sorts of materials have you produced? And how can teachers get them? How might they be modified?

You can get The Checkbook Project guide for free on my storefront at TpT. The guide provides the “how-to.” I also have a variety of helpful student forms on my website at macklewis.com. The tax report is a must have, but there is also a fun classroom job application, a desk rental agreement, and many others.

TFL: What next? How would you like to further refine this program? Extend it?

Each season I try to add another piece based on where my kids and colleagues take it. Perhaps at some point I’ll package it up and offer it to my publisher. We’ll see.

TFL: Would you care to comment about the state of Personal Finance readiness/sophistication that US kids demonstrate? The state of Financial Literacy Education?

I find it interesting that in many high schools, students are required to take calculus or trigonometry, yet they no longer take any form of consumer math. It seems to me that for the average kid, the skills learned in consumer math are far more likely to be needed in the real world.

TFL: What would you best advice be to educators who are just about to start a program of personal finance or who have started but need to refine and deepen their program now?

Not that I’m trying to sell my program—after all, it’s free—but I’d encourage them to go to my website and take a look at it.

It’s Not Too Late to Celebrate Black History Month!

My plays often make return appearances in Scholastic’s Storyworks magazine, such as The Daring Escape of Henry “Box” Brown this time last year. In addition to a new look with original illustrations, Storyworks subscribers get treated to a host of top-notch CCSs comprehension activities via Scholastic’s web-based library, which didn’t exist when many of my plays originally appeared ten to twenty years ago. Pretty sweet. Coincidentally, my TpT version of Box Brown, along with many of my other original plays, have also gone through updates that added comprehension activities and improved formatting, so you’re in luck either way.

But “Box” isn’t the only reader’s theater title suitable for celebrating Black History Month. In fact, I have a wide assortment. You can quickly preview four of them by downloading MLK Plays Free Preview Pack. It includes summaries and the first couple of pages of four MLK reader’s theater scripts including Martin’s Big Dream (The Childhood of Martin Luther King, Jr.), MLK’s Freedom March (lovely historical fiction set against the March on Washington where King delivered his most famous speech), In the Jailhouse with Dr. King (another potent work of historical fiction set during the Bus Boycott), and Gonna Let it Shine (non-fiction about the “Bloody Sunday” events in Selma, Alabama). You can download the free PDF preview at TpT.

But there’s still more. Click on the Read Aloud Plays tab to uncover wonderful reader’s theater about Jackie Robinson, Claudette Colvin, the Greensboro Four, and others. In all cases, $3.50 gives the original purchaser reproduction rights to copy a full class set each year for use in his or her own classroom. It even includes school performance rights!

As they do every year, my fifth graders will be learning and presenting three of these plays over the coming months as they learn about the importance and significance of the Civil Rights Crusade for all of us. Join us. Celebrate the legacy of Dr. King with engaging reader’s theater from ReadAloudPlays.com.

Happy directing!

Pairing Picture Books & Plays for Black History Month

The Common Core requires that we teach students to “evaluate authors’ differing points of view on the same historical event or issue by assessing the authors’ claims, reasoning, and evidence.” One way to do that is to pair Read Aloud Plays with developmentally-appropriate books and films so to compare and contrast point of view. Black History Month presents an ideal opportunity for the following pairings:

* The Disney movie, Selma, Lord Selma, and the Read Aloud Play, Gonna Let it Shine.
* My play from the Montgomery Bus Boycott, The Girl Who Got Arrested, and Phillip Hoose’s book about Claudette Colvin, Twice Toward Justice.
*Sitting Down for Dr. King, which depicts the Greensboro Lunch Counter Sit-ins of 1960, and Andrea Davis Pinkney’s book, Sit-in: How Four Friends Stood Up by Sitting Down.
* Peter Golenbrock’s book, Teammates, depicting the relationship between Jackie Robinson and Pee Wee Reese, and the Read Aloud Play, How Jackie Changed America.
* We Shall Overcome, my play about the Birmingham Children’s Crusade, and Cynthia Levinson’s non-fiction book, We’ve Got a Job: The 1963 Birmingham Children’s March.
*Days of Jubilee, by Patricia and Fredrick McKissack, and my play, Freedom for the First Time, which is based on slave narratives from the Civil War.
*The Read Aloud Play, Box Brown’s Freedom Crate, and Ellen Levine’s book, Henry’s Freedom Box.

To get your classroom discussion going, I’ve developed a simple short-answer comparison activity covering Craft & Structure (Literature item 6 and Informational Text item 6). You can download it for free here and use it with my plays and any paired text to satisfy these standards by having students “analyze multiple accounts of the same event or topic.”

Happy directing!

So You Want to Be President?

Ah, politics. Everywhere you turn, folks are questioning the qualifications and competencies of each of the current candidates for the White House. No doubt your students are, too–parroting the perspective of their parents. It leads me to believe that kids need to hear what History reveals about being Commander-in-Chief. Take for example William Howard Taft (at left). Teddy Roosevelt used to call him a fathead, right there in public. And not just on the campaign trail either, but while Taft was serving in the Oval Office! Or how about Benjamin Harrison? He once said the Presidency was akin to being in jail!

With all that in mind, here’s a free play on the subject. It’s from my book, Read Aloud Plays: Symbols of America, and it’s free. Perhaps it’ll help your students to begin forming their own ideas about leading the country. At the very least, it’ll provide you with a timely language arts activity.

Note that this free version hasn’t been reformatted like all the rest of my plays. My apologies for the low-quality PDF of pages from the book (with an updated copyright notice slapped in place). I felt it was more important to get this to you before the debates and the election itself than take the time to get it reformatted. But if you like it, consider tracking down the original (its out-of-print, so it can be hard to find, but available through Scholastic’s Teacher Express), or watch for the reformatted version coming soon to ReadAloudPlays.com. It’ll be paired with a second “presidential” play and include extension activities, teaching notes, and a comprehension activity. You can also check out a ton of other nifty plays at my TeachersPayTeachers store. Nearly all have been previously published in Scholastic classroom magazines, so you know they’re of professional quality!

Whatever the case–and regardless of your political affiliation–happy directing!

Desk Rent is Due Friday!

No doubt you’ve had kids ask, “Why do we need to know this stuff?” In my classroom, we spend a lot of time talking about the “real world,” and nothing we do is more “real world” than The Checkbook Project. In my building, we implement it around this time of year with all our 4th and 5th graders. If we waited any longer, the kids would riot!

I want to encourage you to give it a try—and this is a great time of year to do so—but before you do, heed this warning:

In The Checkbook Project, kids maintain checkbook registers. They earn money by completing assignments, attending class, and passing tests. School is their job. They also pay fines for “breaking the law,” pay taxes, and rent or buy their desks. Kids who work hard and consistently attend class tend to do well, accumulating upwards of three grand by the end of May. Kids with poor study skills, poor attendance, or poor spending habits tend to struggle—so much so that some even end up in “the homeless shelter.”

The homeless shelter is a single desk around which kids gather when they don’t have the resources to rent their desks. Granted, it sounds a bit harsh. It may even be a bit controversial. Certainly, it gives me no pleasure to see Stevie, Pablo, or Cynthia crowded around a single desk at the front of the room. But isn’t it better Stevie, Pablo, and Cynthia experience the consequences of poor work ethic in fifth grade rather than on the mean streets of real life? After all, homeless shelters do exist in the real world, and perhaps it’s the threat of landing there that keep many of us working hard.

Poverty and homelessness are serious problems in America. There are plenty of folks out there facing such grim prospects despite their best efforts. The Checkbook Project isn’t meant to degrade them. Better, the project prompts numerous discussions on the subject. One of my favorites is about how the guy holding that sign on the freeway ramp got there. Students have a host of preconceived notions and theories about homelessness, including that he might not be standing there at all had his fifth grade teacher used The Checkbook Project.

I’ve also seen the Homeless Shelter bring about the best in my students. If you implement The Checkbook Project, you’ll see neighbors help neighbors make rent. You’ll see students push their buddies to get their work done. One year I even had a kid start a charity organization. He maintained a second register in which he collected donations from his classmates and doled out grants to needy students who were short on rent.

I recently received a text from a former student-teacher telling me her administration has told her to disband or at least rename her “homeless shelter.” I wish I were there to lobby her principal and parents, but she’s half way across the country. The best I can do is suggest some politically-correct alternatives. “Group house”, “hostel”, and “shared housing” come to mind. So too does “Dickens’ House” and “Grandma’s Basement.” (Okay, that last one may not be so politically-correct.) Regardless of the name, whether it’s a homeless shelter or merely communal living, it will likely motivate struggling students to work a bit harder.

I created The Checkbook Project over a decade ago to combat what I call “academic apathy.” Over the years it has consistently proven itself to be an engaging way to get kids invested in their studies, teach work ethic, and give kids “real world” experience within the safe confines of the classroom. And because I believe these are essential lessons every kid needs, it’s also free. Every last bit of it. For more details on how it works, click here.

Happy directing!

Ten Plays for Black History Month

The Daring Escape of Henry “Box” Brown is making a reappearance in the January issue of Scholastic’s Storyworks magazine. In addition to a new look with original illustrations, it means Storyworks subscribers have access to a host of top-notch CCSs comprehension activities via Scholastic’s web-based library. Pretty sweet. Coincidentally, the TpT version also just went through an update that adds a couple of comprehension activities and improved formatting, so you’re in luck either way.

But “Box” isn’t the only reader’s theater title suitable for Black History Month or MLK Day celebrations. In fact, I have a wide assortment. You can quickly preview four of them with my newest product: MLK Plays Free Preview Pack. It includes summaries and the first couple of pages of four MLK reader’s theater scripts including Martin’s Big Dream (The Childhood of Martin Luther King, Jr.), MLK’s Freedom March (lovely historical fiction set against the March on Washington where King delivered his most famous speech), In the Jailhouse with Dr. King (another potent work of historical fiction set during the Bus Boycott), and Gonna Let it Shine (non-fiction about the “Bloody Sunday” events in Selma, Alabama). You can download the free PDF preview at TpT.

But there’s still more. Click on the Read Aloud Plays tab to uncover wonderful reader’s theater about Jackie Robinson, Claudette Colvin, the Greensboro Four, and others. In all cases, $3 gives the original purchaser reproduction rights to copy a full class set each year for use in his or her own classroom. It even includes school performance rights!

In my classroom, my 76 fifth graders will be learning and presenting six of these plays over the next two months. It’s going to make for a memorable Black History Month. Join us. Celebrate the legacy of Dr. King with engaging reader’s theater from ReadAloudPlays.com.

Happy directing!

Girl. Fighter. Hero.

Women soldiers? It’s not so unusual in 2015, but back in the 18th century, the very idea would have drawn guffaws from even the most liberal-minded colonist. “A ridiculous notion,” one patriot leader was known to have said. And yet, History provides numerous examples of women performing acts of heroism throughout the American Revolution itself. Lydia Darragh, for example, is considered one of America’s first spies. Then there’s Deborah Sampson. She disguised herself as a man and enlisted in the Continental Army under the name Robert Shurtliff. Twice wounded, she performed surgery on herself to avoid detection. Another heroin was Sybil Ludington, the 16-year-old girl who rode forty miles on horseback through the Hudson Highlands (on a stormy night, no less!) to muster the militia in defense of Danbury. She’s known as “The Female Paul Revere,” and according to Martha Lamb’s 1880 “The History of the City of New York,” George Washington himself personally thanked her for her stalwart effort. Her story is captured in my latest play, “Girl, Fighter, Hero,” which appears in the November/December issue of Scholastic’s Scope magazine. Although it’s available exclusively to Scope subscribers, you can still get it by clicking here.

Whether you use Sybil’s story or not, a kick-in-the-pants way to get kids excited about your American Revolution unit is to build it around a trio of Read Aloud Plays. Start with a FREE download of “Betsy Ross: Fact or Fiction.” It first appeared in Storyworks back in 1999, and then in my book, Symbols of America. It challenges students to examine the facts associated with the first U.S. flag and draw their own conclusions. It’s FREE on my TpT storefront until November 1st. Free. I’m convinced you’ll love it and want to then grab “The Secret Soldier,” a historically-accurate depiction of America’s first female fighter, and “Eagles Over the Battlefield,” a dramatic yet subtly humorous play about how the eagle came to be an American symbol (as opposed to the turkey, the turkey vulture, and the groundhog). Eagles, by the way, is part of a BOGO deal with “A Bell for the Statehouse,” which relives that infamous crack in The Liberty Bell.

As with all my plays, these were all carefully-researched, fact-checked by Scholastic editors, and best of all, kid-tested by my own students.

One added note this week is that my play “Cyclops: The Monster in the Cave,” is making an encore appearance, this time in Storyworks. It’s been freshly revised by editor-extraordinaire Lauren Tarshis (author of the I Survived series). Check out the new artwork by Sebastia Serra, too! If you’re not yet a Storyworks subscriber, you should be, but you can also grab the original version of Cyclops off my website.

Happy directing!