Fall-23
12/14
Calendar – plan for tomorrow, and Assure you selected new classes for next term.
This term: what do you want more of / less off?
Quiz– kahoot – Mo Money – Anders provide the link
Last class play – Jeopardy ( budget or other interest area )
12/7
The shopping season is upon us – be careful.
I shared the wrong video last class (I hope this is correct)
Psychology of $
https://www.youtube.com/watch?v=TYGSWpkloZk
It is not worth getting in debt to give gifts – cost of PayDay loans and/or Pawnshop.
https://www.youtube.com/watch?v=lfNYafIYcKw
What is an alternative to this big-spending?
Let’s come up with a list of free/low cost alternatives!
Make gift:_______
Give an experience:_______
Give a chore:____________
RUN THE NUMBERS:
Example of taking your bike to the pawnshop for a loan….3%/month.
$10.00 fee to originate/get loan – how much would you have paid for it if you paid the minimum fee of $10 = ” monthly interest and renewal fee” every 2 months?
- Offering loans for a minimum of 60 days.
- Charging interest at a rate not to exceed 3 percent per month (you may charge one month’s interest or $3 on pledge loans redeemed within the first month if interest accumulated amounts to less).
11/30
Did anyone go to BlackFriday sales..? Cyber Monday?
Calendar – new class schedule out soon – requests?…..
What to do if getting charged for an item you didn’t order? Has this happened to you?
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Shopping too much online? – are we triggered/followed?
Psychology of $
https://www.youtube.com/watch?v=TYGSWpkloZk
Psychology of budgeting: video.https://www.cnbc.com/2019/05/06/ramit-sethi-budgets-are-pointless-heres-what-to-do-instead.html
Winter break is coming up.
11/16
Calendar: Friendsgiving and No school next week.
Review – interest isn’t always bad. Cat insanity game. (it can “snowball”).
continue Jeopardy game: my credit score
https://jeopardylabs.com/play/credit-score-9
Today:
Black Friday: (on Nov 24th this year)
Inflation – what is it?
https://www.youtube.com/watch?v=-nsGtO2c4pw
Review – credit card.
Black Friday: (on Nov 24th this year)
“Back in the day’s – Black Friday”
https://www.youtube.com/watch?v=2zBWjlkKDpA
What is Black Friday? Is this accurate?
https://www.youtube.com/watch?v=6GX7l–iOBU
T-giving and Xmas shopping (My 2 Cents)
https://www.pbs.org/video/the-history-of-christmas-shopping-tvbcnq/
Inflation – what is it?
https://www.youtube.com/watch?v=-nsGtO2c4pw
____________________________________________________
8, 11/2
Review – last week we did the “guessing how the credit score was impacted” depending on events (missing payments etc.) – was this surprising ?
Today: The cost of Credit card debt & power of compounding growth: see the numbers!!
https://www.youtube.com/watch?v=GylVCCtL-tA
Do you believe the change if the money was invested to be true…? Could you do this?
The credit card calculator – lets play around with some numbers. Perhaps you bought a $ 8000.00 car using your credit card at 14% interest. (use below calculator) – plug in for 60 months to pay off.
https://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx
Jeopardy game: my credit score
https://jeopardylabs.com/play/credit-score-9
CAT INSANITY GAME– please try to complete this – we’ll have a discussion about this later.
About Cat Insanity Interactive Game
Money (football) game – Jeopardy style:
7 10/26.
Buy a car & credit card debt.
Review – watched the cost of a car, looked at interest rates for young adults….
Debit vs credit card:
Basic-
https://wesaveyou.com/product-education-center/
DEBT & CREDIT CARDS! Stop and discuss in the videos below. – what are your thoughts?
https://www.pbs.org/video/is-there-such-a-thing-as-good-debt-6ofhtj/
The cost of Credit card debt & power of compounding growth: see the numbers!! (watch a little to see how interest can WORK FOR YOU!!)
https://www.youtube.com/watch?v=GylVCCtL-tA
Do you believe the change if the money was invested to be true…? Could you do this?
Reminder: The credit card calculator – lets play around with some numbers. Perhaps you bought a $ 8000.00 car using your credit card at 14% interest. (use below calculator) – plug in for 60 months to pay off.
https://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx
Credit card game – Guess my score.
Jeopardy game: my credit score
https://jeopardylabs.com/play/credit-score-9
End of class: GAME: You’ll have to play a round to understand how it works. I think they may like this one!
About Cat Insanity Interactive Game
Money (football) game – Jeopardy style:
https://www.financialfootball.com/
Future class – what is the cost of buying a car.?
What to look for
Compare gas vs electric. Later class we’ll do research on this.
___________________________________________________
Week 6 continue where left off:
Credit history , credit score – impact on interest.
KAHOOT – see quiz
Buy car: today , insurance…. (later, what car to buy- tax credit, gas vs electric..)
Video – Cost
https://www.pbs.org/video/how-cars-can-keep-you-poor-eymzdq/
Insurance cost : young adult (scroll down) –https://www.marketwatch.com/guides/insurance-services/car-insurance-oregon/
https://www.usnews.com/insurance/auto/cheap-car-insurance-oregon
If time – from earlier week
We looked at the budgetunder30 sheet – and changed it – now we’ll move to 2 cents and how the game of budgeting is important
Week 5. 10/12
CREDIT
7 Ways to Build Credit Without a Credit Card
- Pay Your Bills on Time.
- Repay Student Loans.
- Get a Car Loan.
- Apply for a Personal Loan.
- Get a Credit-Builder Loan.
- Get Credit for Rent Payments.
- Use a Tool to Improve Your Credit Score.
Credit cards and credit score (credit history)? Do we need it?
Credit history:
https://www.youtube.com/watch?v=VrOB35_7QCE
Idea: Pay bills with credit card and then pay it off immediately.
Credit score
https://www.youtube.com/watch?v=ozbGWLtZdoY
Build credit history:
https://www.creditkarma.com/personal-loans/i/best-credit-builder-loans
WORK EXAMPLE:
Money example –what will the cost be : if you managed to get a very good credit history and hence a credit score at 800 vs 560.
Buy a Condo for $ 150 000. Plug in the numbers of getting a mortgage of 6.5% vs 11.5%. What is the monthly cost difference? To simplify we assume you’re having enough to put in 20 % downpayment.
https://www.bankrate.com/mortgages/mortgage-calculator/
Week 4.
-note- Job opportunities at the Spirit Halloween. (see MapIt trip for today)
Forms of compensation – what to look out for, and things to consider when you are accepting/changing a job. 2 videos – think about it….
https://www.pbs.org/video/how-to-weigh-job-benefits-yeowqg/
OnLine – Calculator: help you calculate “your offer”.
https://www.indeed.com/career-advice/pay-salary/hourly-to-salary
Examples to solve: (which is preferred? Hourly or other?)
Jim: working 30h / week and makes 19$/hour – vs – 40K / year.?
Lisa: working 30h / week and makes 24$/hour -vs – 3K/month?
Bob: working 40h/week and makes $25/Hour -vs- 45K/year
________________________________________________
Week 3.
Continued 50/30/20
John example – but making so much money —-realistic? Sooo much money…or….
https://www.youtube.com/watch?v=sgCc1DhdsUc&t=2s
Want vs NEEDS?
We discussed this last week.
RENT , car + insurance+ gas, utilities (water/electricity/garbage), phone, medical insurance, groceries/food, TV-cable/internet, clothes, travel+ vacation, medicine, restaurant/out to eat, arcade/movie/outings-recreation, loan/creditcard debt,
Fixed vs flexible: – how to think about it and calculate it….
(Good one)
See worksheet – Money under 30 – Below:
https://www.moneyunder30.com/really-simple-budget-worksheet/
Other videos on topic –
https://www.youtube.com/watch?v=vaKCZ5sbpp4 (simple)
https://www.youtube.com/watch?v=1CwJ5lQKemA (also has periodic expense).
JimBob’s weekly spendings: Documentation problem ?
JimBob – working 30h/week.
Income 1st of month = __2230.40_____
Extra $.________ (birthday/sold an instrument/raked leafs/ dog-walking)
Name Date
Fixed/Variable Expenses
Directions: Think of your own responsibilities/spending habits. Please complete the chart below.
Fixed Expenses Definition: | Variable Expenses Definition: | Discretionary Income Definition: |
Fixed Expense Needs: | Variable Expense Needs: | Discretionary Income Examples: |
Fixed Expense Wants: | Variable Expense Wants: |
What are the expenses of 21 year old JimBob? (let’s brainstorm) – lets also categorize (fixed vs flexible expenses).
________________________________________________________
WEEK 2
KAHOOT – PRE TEST – (Anders Provide link)
Requested info: Bank statements and how to read it. Why is it important:
https://www.youtube.com/watch?v=AIh2MYj_qsM
Move into –
Want vs NEEDS? What is the definition?
What category will it go into? Jumbled info – make two lists…
groceries/food, phone, loan/creditcard debt, car + insurance+ gas, medical insurance, arcade/movie/outings-recreation, RENT, TV-cable/internet, clothes, medicine, utilities (water/electricity/garbage), restaurant/out to eat, travel+ vacation,, …..
answers below….
Budgeting – easy??? version. The 50-30-20 Rule.
https://www.youtube.com/watch?v=1oGIriVHxRA
Similar info… However, think about a more realistic paycheck for your first job.
Calculator for 50/30/20
https://www.nerdwallet.com/article/finance/nerdwallet-budget-calculator
WANTS | NEEDS |
Car+ insurance + gas
Tv/cable/internet Vacation -travel restaurant/out to eat arcade/movie/outings-recreation |
RENT
utilities (water/electricity/garbage) Phone Medical insurance Groceries/food Clothes Medicine loan/credit card debt |
Wants | Needs |
|
|
What is the diffenrece between Gross vs Net income.?
What is the 50, 30 20 rule? A specific budget , and idea of what % of your income you should spend on expenses?
What % should you spend on WANTS? 20, 30, or 50.
List at least 3 examples of “spendings” that go into each category:
50%________________
30%________________
20%________________
What category does these “spendings” go into?
Videogame, rent, birthday gift for family member, music concert, cellphone, vacation, electric bill.
_____________________________________________
Week 1
What do you hope to get out of the budgeting class?
Who has a budget system you already use?
Do yo know of anyone that is “good with money”?
SSI vs Work video
https://www.youtube.com/watch?v=bjGz2TM3jko
Why Budget: my-2-cents
https://opb.pbslearningmedia.org/resource/budgeting-basics-two-cents/budgeting-basics-two-cents/
Budgeting – Mo’Money FALL -22
Week 13:
Math problem & game (Monopoly)
Week 12:
Go over the new schedule posted on website.
Review of last week. Psychology of budget. Be aware of who you are…..impulse shopper…gambler (risk taker)…denier (ignoring reminders to pay bills etc.)…thinking about $ too much….
We also saw the video of rewording the “budgeting COST-terminology” into “SPENDING PLAN”. Will this work for you?
Kahoot – Anders provide the link.
Xmas shopping? My 2 cents video – history.
What is an alternative to the big spending?
Let’s come up with a list of free/low cost alternatives!
Make gift:_______
Give an experience:_______
Give a chore:____________
MATH PROBLEM – BUDGET FOR A TRIP!!
___________________________________________________
Week 11 – Psychology of $ budgeting
Calendar – new schedule out soon. 2 more weeks.
Psychology of $
https://www.youtube.com/watch?v=TYGSWpkloZk
What do you think?
Psychology of budgeting: video.https://www.cnbc.com/2019/05/06/ramit-sethi-budgets-are-pointless-heres-what-to-do-instead.html
Can mind set “change” make a difference?
Kahoot: Quiz Basic budget – 2022. Anders provide the quiz.
week 10 – no class , T-giving
Week 9. Nov 16th
Calendar + Review – what are your thoughts on Credit & Debit cards? Interest and power of compounding growth?
Inflation: you hear this on TV every day – what is it?
https://www.youtube.com/watch?v=-nsGtO2c4pw
We’ll go over the idea of BlackFriday and see what deals we can find. However, it has already started for some stores. How do you find the best deals? What search engines do you use.?
video:
https://www.youtube.com/watch?v=EMFjLwOJIUA&feature=emb_logo
https://www.shopify.com/blog/7068398-10-best-comparison-shopping-engines-to-increase-ecommerce-sales
17 top price comparison websites
- Google Shopping
- PriceGrabber
- Shopping.com
- Shopzilla
- Become
- Bing Shopping Campaigns
- Pronto
- Bizrate
- Amazon Sponsored Products
- Camelcamelcamel
- ShopMania
- BuyVia
- ShopSavvy
- Yahoo Shopping
- Pricepirates
- MyShopping Datafeed
- Idealo
Next part is …. What is Black Friday?
https://www.youtube.com/watch?v=6GX7l–iOBU
“Back in the day’s – Black Friday”
https://www.youtube.com/watch?v=2zBWjlkKDpA
___________________________________________________________
Week 8. Nov 9th
DEBT & CREDIT CARDS! Stop and discuss in the videos below. – what are your thoughts?
https://www.pbs.org/video/is-there-such-a-thing-as-good-debt-6ofhtj/
The cost of Credit card debt & power of compounding growth: see the numbers!!
https://www.youtube.com/watch?v=GylVCCtL-tA
Do you believe the change if the money was invested to be true…? Could you do this?
The credit card calculator – lets play around with some numbers. Perhaps you bought a $ 8000.00 car using your credit card at 14% interest. (use below calculator)
https://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx
Week 7: Nov 2
– Review of last week and continue the game.
Games that teach you about money and budgeting (my 2 cents): https://www.youtube.com/watch?v=B-vu01ZS6pg
Note the skills that are important. Many small incomes, PAYING ATTENTION to the board and who lands on your streets…. Do you think this resembles “the real life”? Why or why NOT?
Action: everyone get a iPad (or work in pairs of 2 )
Game financial LAB: https://www.pbs.org/wgbh/nova/labs/lab/financial/
(note- several mini videos with useful info before playing the game – goal is matching the “happiness” and the budget)) .
It is important, and can be a lot of fun, to talk about money. Playing games is great way to practice skills. Please try to go through the steps in the game – redo – see if your score was improved.
JUMP START – REALITY GAME:
https://www.jumpstart.org/what-we-do/support-financial-education/reality-check
Week 6 –10/26 Birdie lesson plan
Games that teach you about money and budgeting (my 2 cents): https://www.youtube.com/watch?v=B-vu01ZS6pg
Note the skills that are important. Many small incomes, PAYING ATTENTION to the board and who lands on your streets…. Do you think this resembles “the real life”? Why or why NOT?
Action: everyone get a iPad (or work in pairs of 2 )
Game financial LAB: https://www.pbs.org/wgbh/nova/labs/lab/financial/
(note- several mini videos with useful info before playing the game – goal is matching the “happiness” and the budget)) .
JUMP START – REALITY GAME:
https://www.jumpstart.org/what-we-do/support-financial-education/reality-check
Do one together then students can complete their own “reality check”.
Week 5
Continue with Fixed vs Variable expenses – Fill in the blanks together: how did you do on the definitions and your own examples? It’s good terminology to be familiar with.
Budgeting sheets: This link has an easy budgeting tool – it’s using Xcel spreadsheet w calculation and some expenses already filled out. You can click on the link and edit it yourself. – Let’s do one together.
https://www.moneyunder30.com/really-simple-budget-worksheet
Games that teach you about money and budgeting (my 2 cents): https://www.youtube.com/watch?v=B-vu01ZS6pg
Game financial LAB: https://www.pbs.org/wgbh/nova/labs/lab/financial/
(note- several mini videos with useful info before playing the game – goal is matching the “happiness” and the “budget”)
Week 4
- Activity – fill out the expenses chart below. Please use computer/dictionary.
- See the video: basics of budgeting (my 2 cents) .
Name Date
Fixed/Variable Expenses
Directions: Think of your own responsibilities/spending habits. Please complete the chart below.
Fixed Expenses Definition:
Costs that stay the same from month to month |
Variable Expenses Definition: | Discretionary Income Definition:
Discretionary income is the money you have left over after paying taxes and necessary cost-of-living expenses—like your rent or mortgage, utilities and groceries. It’s called “discretionary income” because it can be used for discretionary expenses—nice-to-haves but not necessities. |
Fixed Expense Needs:
Rent |
Variable Expense Needs: | Discretionary Income Examples: |
Fixed Expense Wants: | Variable Expense Wants: |
Week 3.
KAHOOT – PRETEST – anders provide link.
Fixed vs flexible:
https://www.youtube.com/watch?v=vaKCZ5sbpp4
https://www.youtube.com/watch?v=1CwJ5lQKemA (also has periodic expense).
JimBob’s weekly spendings: Documentation problem ?
JimBob
Income 1st of month = __2230.40_____
Extra $.________
Name Date
Fixed/Variable Expenses
Directions: Think of your own responsibilities/spending habits. Please complete the chart below.
Fixed Expenses Definition: | Variable Expenses Definition: | Discretionary Income Definition: |
Fixed Expense Needs: | Variable Expense Needs: | Discretionary Income Examples: |
Fixed Expense Wants: | Variable Expense Wants: |
What are the expenses of 21 year old JimBob? (let’s brainstorm) – lets also categorize (fixed vs flexible expenses).
WEEK 2 QUESTIONS
Want vs NEEDS?
RENT , car + insurance+ gas, utilities (water/electricity/garbage), phone, medical insurance, groceries/food, TV-cable/internet, clothes, travel+ vacation, medicine, restaurant/out to eat, arcade/movie/outings-recreation, loan/creditcard debt,
WANTS | NEEDS |
Car+ insurance + gas
Tv/cable/internet Vacation -travel restaurant/out to eat arcade/movie/outings-recreation |
RENT
utilities (water/electricity/garbage) Phone Medical insurance Groceries/food Clothes Medicine loan/credit card debt |
6/15/21
Get Rich
Your friend offers you an opportunity to make a great deal of money very quickly. He has arranged to set up an off-shore account for your profits. He will not tell you exactly how he is making this money, but you get the impression it is not exactly legal. He only wants an investment of $500 and promises you will have enough from your minimal investment that you will never need to work again. Do you:
- Give him the $500, deciding if you don’t know how he is making it, you’re in the clear?
- Demand to know the details before getting involved?
- Decide you want no part of this deal, as you trust your instinct that the offer is shady and you might even get in legal trouble?
- Over the summer, you became friends with a person who moved to your town. You have the same interest, like the same music and movies, and have had a great deal of fun. However, your new friend is not attractive and very loud. When school starts, you are embarrassed by the way your friend acts. Do you remain friends or drop the relationship?
- You buy a pile of clothing items on sale at your favourite department store. When you get home, you realize one of the items is not on the receipt. Do you go back to the store and pay for it or just let it go?
- Your friend has excitedly shared that she has a new love in her life. Unfortunately, you know the guy is a narcissistic player who only stays with a woman as long as he is getting what he wants from the relationship. Do you try to convince her to drop him or let her learn a lesson on her own?
- A friend gives you a gift for your birthday. Unfortunately, it is a type of perfume you are extremely allergic to. Do you say something and ask for a receipt to return it, or keep quiet?
6/8/21
Reward a Job Well Done
You understand the importance of team work in your job. You share ideas and responsibilities with your team members on a daily basis. In your weekly team meeting with your supervisor, one of your co-workers takes credit for a time and money saving change in operating procedures you devised. Your supervisor erroneously thinks your co-worker came up with the change and your co-worker does not correct the misinterpretation, but allows the boss to not only commend him, but offer a bonus.
-Do you go to your co-worker and demand he correct the situation,
-go to your supervisor and explain you should receive the commendation and reward,
-or keep quiet as you do not believe in ownership of ideas? or no worries
-not tell the your ideas anymore
Divine Command Theory (My religion said so)
Natural Law Theory (people desire what is best for them 1-7)
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Categorical Imperatives (how do I want to be treated, “what is humane”)
Utilitarianism – what would do the most good for the most people
Contractarianism – we agree on how to act with each other
Virtue Theory – if people focus on being good they will be good, find balance people can become virtuous (have moral character) with practice
Moral Luck – Ought implies can, you should be morally responsible if you can do something about it
Ought implies can – you should be morally responsible if you can do something about it
6/1/21
Telling a Secret
Your friend tells you that they committed a crime. They explain that they are having trouble sleeping at night and feel you are the only one they can trust with their confession. A few days later, you read in the paper that someone has been arrested for your friend’s crime. Do you:
- A Go to the police and tell them what you know?
- B Encourage your friend to confess and warn him if he does not do so, you will tell?
- C Say nothing because you will not betray a friend’s confidence?
Divine Command Theory (My religion said so)
Natural Law Theory (people desire what is best for them 1-7)
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Categorical Imperatives (how do I want to be treated, “what is humane”)
Utilitarianism – what would do the most good for the most people
Contractarianism – we agree on how to act with each other
Virtue Theory – if people focus on being good they will be good, find balance people can become virtuous (have moral character) with practice
Today we will talk about Moral luck.
Moral Luck – moral responsibility where you can get praise or blame for an action done by a moral agent
Ought implies can – you should be morally responsible if you can do something about it
Constitutional Luck – how you were born physically and your temperment
Circumstantial luck – what your life situational is
Antecedent circumstances – what you past is and how it shaped you
Consequent Circumstances – what happened based on your decision
5/25/21
The Submarine Crew
Mark is a crewperson on a marine-research submarine traveling underneath a large iceberg. An onboard explosion has damaged the ship, killed and injured several crewmembers. Additionally, it has collapsed the only access corridor between the upper and lower parts of the ship. The upper section, where Mark and most of the others are located, does not have enough oxygen remaining for all of them to survive until Mark has reached the surface. Only one remaining crewmember is located in the lower section, where there is enough oxygen.
There is an emergency access hatch between the upper and lower sections of the ship. If released by an emergency switch, it will fall to the deck and allow oxygen to reach the area where Mark and the others are. However, the hatch will crush the crewmember below, since he was knocked unconscious and is lying beneath it. Mark and the rest of the crew are almost out of air though, and they will all die if Mark does not do this.
Should Mark release the hatch and crush the crewmember below to save himself and the other crew members?
Divine Command Theory (My religion said so)
Natural Law Theory (people desire what is best for them 1-7)
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Categorical Imperatives (how do I want to be treated, “what is humane”)
Utilitarianism – what would do the most good for the most people
Contractarianism – we agree on how to act with each other
Virtue
Lets learn about Virtue Theory:
If people focus on being good they will do good.
What are some virtues that you think are important:
courage, honesty, generosity, humility, kindness, patience, balance, learning, even tempered, moderation, compassion, acceptance, Compassion, respect, flexibility
Choose one of your virtues that are important to you and decide what the deficiency would be, what the Vice would by
deficiency Balance/virtue Vice/excess
Cowardice Courage recklessness
stubbornness Acceptance too flexible
dependent cooperation independent
irresponsible responsibility micromanager
meek confident arrogance
quarrelsome/shy friendly Boot licking
greed generosity giving it all away
not feeling compassion too giving
Role models/virtuous people/Eudoimona
Ruth Bader Ginsberg, Jimmy Carter, Mother Teresa, Greta Thunberg
5/18/21
Saving the world from chaos is a contract!
Contractarianism – we agree on how to act with each other
5/11/21
Let’s learn our fourth theory of morality – Utilitarianism
Let’s practice utilitarianism by clicking the website below and make choices in these moral dilemmas:
Lets’ apply the theories we learned:
A Difficult Choice
You and your family love the beach and decide to spend a weekend at an isolated beach cabin. Your teenage daughter often gets bored on your getaways, so you make plans to take your niece along. As soon as you arrive, a storm is looming on the horizon and the water looks rough. You tell the girls they can get ready to swim, but to come back and help unload the car. They are so excited, they do not pay attention to the last part of what you say and run down to the beach to swim. You do not realize they have done so until you hear your daughter scream. You realize they are both caught in a strong current and might be swept out to sea. You are a good swimmer and know you can save one of them. You have a difficult choice to make. Do you:
- Save your niece first as she is a poor swimmer and will not be able to last as long as your daughter?
- Save your daughter first, because, although she is a strong swimmer and may be able to last long enough for you to come back after saving your niece, you cannot stand the idea of losing her?
Divine Command Theory (My religion said so)
Natural Law Theory (people desire what is best for them 1-7)
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Categorical Imperatives (how do I want to be treated, “what is humane”)
Utilitarianism – what would do the most good for the most people
Contractarianism – we agree on how to act with each other
5/4/21
May the 4th be with you!
Morality comes from reason not from “God”
Hypothetical imperatives and things you should do based on things you want:
- If you want a good grade – study
- If you want money – get a job
Categorical Imperatives are things you must do no matter what you want and these things are based in rules. These maxims are not a choice and must always be done no matter what.
The universalizability principle:
Behave in a way that you want to be treated no matter what
What goes around come around, Willie Nelson
- If I steal, it’s OK for other to steal from me
- If I treat others with respect, others should treat me with respect
The Formula of Humanity:
Treat people as if they have their own thoughts, feelings and goals. Keep this in mind and not see others as what they can give you. Don’t allow yourself to be manipulated or manipulate others. Be honest.
Let’s look at some ethical issues and look at how each of the three theories would respond to it.
A moral dilemma is a conflict in which a person must choose between two or more actions, all of which they have the ability to do. There are moral reasons for each choice. No matter which choice you make, someone will suffer or something bad will happen. In order to help you understand exactly what is meant by “moral dilemma” we have provided some examples, some of which are classic moral dilemmas.
The Unfaithful Friend
You go out with your husband for dinner at a new restaurant you have not frequented before. It is in a part of town you rarely visit. You are shocked to see your friend’s spouse having dinner with a very young, attractive person. From the way they are behaving, it is obvious they are more than friends. The couple finish their meal and leave without seeing you. They behave very affectionately on the way out the door. Do you:
- Tell your friend, knowing you probably will not be believed and that it may ruin your friendship?
- Say nothing about seeing the couple as it is none of your business; they may even have an open relationship?
Divine Command Theory (My religion said so)
Natural Law Theory (people desire what is best for them 1-7)
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Categorical Imperatives (how do I want to be treated, “what is humane”)
A Difficult Choice
You and your family love the beach and decide to spend a weekend at an isolated beach cabin. Your teenage daughter often gets bored on your getaways, so you make plans to take your niece along. As soon as you arrive, a storm is looming on the horizon and the water looks rough. You tell the girls they can get ready to swim, but to come back and help unload the car. They are so excited, they do not pay attention to the last part of what you say and run down to the beach to swim. You do not realize they have done so until you hear your daughter scream. You realize they are both caught in a strong current and might be swept out to sea. You are a good swimmer and know you can save one of them. You have a difficult choice to make. Do you:
- Save your niece first as she is a poor swimmer and will not be able to last as long as your daughter?
- Save your daughter first, because, although she is a strong swimmer and may be able to last long enough for you to come back after saving your niece, you cannot stand the idea of losing her?
Divine Command Theory (My religion said so)
Natural Law Theory (people desire what is best for them 1-7)
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Categorical Imperatives (how do I want to be treated, “what is humane”)
4/27/21
Today we will learn about natural law theory
This theory grew out of the Divine command theory and basically says, “God is awesome and he made you to be awesome”
People desire what is best for them
- Life – survival and life is valuable
- Reproduction – making more people
- Educate one’s offspring – child rearing and lessons
- Seek God – religion or spirituality
- Live in Society – people need social interaction
- Avoid offense – getting along with others
- Shun ignorance – learning is a lifelong process
Each of these points have something you shouldn’t do and something you should do. Let’s talk about these.
Problems with the theory or why people don’t follow all the parts:
- Ignorance
- Emotions
- Is-ought problem, if it “is” that means it “ought” (or should be)
4/20/21
The oldest method of deciding what is wrong or right is religious spiritual views on how people should behave. There have been many religions over human history and sometimes they are similar or very different in their beliefs.
Irreligion, or nonreligion, is the absence or rejection of religion, or indifference to it. According to the Pew Research Center’s 2012 global study of 230 countries and territories, 16% of the world’s population is not affiliated with any religion.
Here is our first theory of moral reasoning:
Divine Command Theory – The belief that what’s moral and what’s immoral is commanded by the divine (God or God’s or Goddesses)
Divine command theory addresses many of our biggest questions about right and wrong, which is why its the ethical theory of choice for much of the world.
Dilema
- Are right actions right because God commands them?
- Are right actions commanded by God because they are right?
Who wrote religious texts?
Do people hallucinate things that are not there?
4/13/21
Metaethics – studies the foundations of morality itself
- Metaethical views
- Intent – why you do something
- Grounding Problem – search for a foundation for our moral beliefs
Moral Realism – belief that there are moral facts that apply to all situations
Moral Relativism –
Cultural Relativism people’s moral beliefs differ from culture to culture
Moral Antirealism – the belief that there are no moral facts
Universal Beliefs:
Killing of Things
Eating Meat, eating plants, death penalty, war, self defense, honor killings, infanticide, too many animals, mercy killings, environmental pollution/pesticides, parasites, rodents/pests
4/6/21
Why use values to make desicions?
Let’s do another values assessment and then talk about how your values can drive your decision making.
Go to this site and take the online quiz:
What is your code of honor?
3/30/21
Values — an individual’s accepted standards of right or wrong.
Morals — society’s standards of right and wrong, very similar to ethics.
Ethics — a structured system of principles that govern appropriate conduct for a group, including activities such as professional ethics, compassion, commitment, cooperation.
1. Determine your core values. From the list below, choose and write down every core value that resonates with you. Do not overthink your selections. As you read through the list, simply write down the words that feel like a core value to you personally. If you think of a value you possess that is not on the list, be sure to write it down as well.
Abundance Acceptance Accountability Achievement Advancement Adventure Advocacy Ambition Appreciation Attractiveness Autonomy Balance
Being the Best Benevolence Boldness Brilliance
Calmness Caring Challenge Charity Cheerfulness Cleverness Community Commitment Compassion Cooperation Collaboration Consistency Contribution Creativity Credibility Curiosity
Daring Decisiveness Dedication Dependability Diversity
Empathy Encouragement Enthusiasm Ethics Excellence Expressiveness Fairness
Family Friendships Flexibility Freedom Fun
Generosity Grace Growth
Flexibility
Happiness Health Honesty Humility Humor
Inclusiveness Independence Individuality Innovation Inspiration Intelligence Intuition
Joy
Kindness Knowledge
Leadership Learning Love Loyalty
Making a Difference Mindfulness Motivation
Optimism Open-Mindedness Originality
Passion Performance Personal Development Proactive Professionalism
Quality
Recognition Risk Taking
Safety Security Service Spirituality Stability
Peace Perfection Playfulness Popularity Power Preparedness Proactivity Professionalism Punctuality
Recognition Relationships Reliability Resilience Resourcefulness Responsibility Responsiveness
Security Self-Control Selflessness Simplicity Stability Success
Teamwork Thankfulness Thoughtfulness Traditionalism Trustworthiness
Understanding Uniqueness Usefulness
Versatility Vision
Warmth Wealth Well-Being Wisdom
Zeal
2. Group all similar values together from the list of values you just created. Group them in a way that makes sense to you, personally. Create a maximum of five groupings. If you have more than five groupings, drop those least important. See the
example below.
Abundance Growth Wealth Security Freedom Independence Flexibility Peace
Acceptance Compassion Inclusiveness Intuition Kindness Love
Making a Difference Open-Mindedness Trustworthiness Relationships
Appreciation Encouragement Thankfulness Thoughtfulness Mindfulness
Balance Health Personal Development Spirituality Well-being
Cheerfulness Fun Happiness Humor Inspiration Joy Optimism Playfulness
3. Choose one word within each grouping that best represents the label for the entire group. Again, do not overthink your labels. There are no right or wrong answers. You are defining the answer that is right for you. See the example below – the label chosen for the grouping is bolded.
Abundance Growth Wealth Security Freedom Independence Flexibility Peace
Acceptance Compassion Inclusiveness Intuition Kindness Love Making a Difference
Open-Mindedness Trustworthiness Relationships
Appreciation Encouragement Thankfulness Thoughtfulness Mindfulness
Balance Health Personal Development Spirituality Well-being
Cheerfulness Fun Happiness Humor Inspiration Joy Optimism Playfulness