Quick Start
Digital downloads only. $0 to buy. Printing is noted separately.
$0 to buy. Printing $4–$7, noted separately.
Print-only version workable
- Printing: quotes, templates, handouts
- Calculators
- Classroom timer or wall clock
Creative Dad On the Job · Pathways · Finance
912W-LBA
Lease-or-Buy Equipment Financing Analysis
Tell me the best way to pay for a $12,000 printer (cash, a loan or a lease), and show me what each does to my cash over the next 2 years.
Client scenario
Welcome to the analysis team. Signal Hill Signs (fictional) makes shop signs, window graphics and banners. A big new client wants a year-round printing contract, and the shop can only take it with a $12,000 wide-format printer. The owner has three ways to pay for it and has hired your team to compare them.
Client: The Owner (the teacher in role).
Which way of paying for the printer (cash from savings, a 3-year bank loan or a 3-year lease) is best for the shop, given its cash, its slow months and its rule about keeping money for emergencies?
Roles
- Lead Analyst
- Loan & Lease Analyst
- Cash-Flow Analyst
- Risk Analyst
- Quality Lead
The twist: Part 1, Rate Notice (H3): the bank raises its quoted rate by 2 percentage points, from 8.00% to 10.00%, before the loan is signed. Part 2, Client Call: the big new client says it will pay 60 days later than agreed: work done in month 1 is paid in month 4, not month 2, and every payment after that is 2 months later too. Materials are still paid when the work is done.
Standards mapped
Mapped means the framework is verified and the teacher confirms the evidence. It isn't a claim that a project meets a standard.
- NACE (Dec 2025)
- ED Employability Skills Framework
- CA Standards for Career Ready Practice
- CCSS ELA
- CCSS Math
Not tagged in this brief: NGSS SEP, ISTE Students.
Safety, devices and privacy
- Made-up numbers only. Every quote, rate and cash figure is fictional. Students never use, open or log in to a real bank, loan, lease, credit or payment account, and never enter their own or anyone's real financial details anywhere.
- No advice to real people. The memo recommends an option for the fictional shop, based on the model. It never tells a real person what to do with their money, and it avoids promises such as "guaranteed", "risk-free" or "can't lose".
- No real applications. Students don't contact real banks or leasing companies, or fill in real credit applications or online quote forms.
- School devices only. No phones, including as calculators, and no personal accounts.
- No photos of students. No student names or personal information on any deliverable. Sign work "Team [#]".
- Follow the school's usual classroom rules.
Creative Dad On the Job is in-class client project work. It is not a paid, off-campus On-the-Job Training (OJT) placement.
Budget levels
Totals and Amazon links come from the materials sheet.
Materials links go to Amazon. Prices are estimates and may change.
Full Experience
Up to $25 per class.
About $4–$7 per class. Fits under $25 per class.
Full Transformation
The bigger kit, with every optional item included.
About $9–$15 per class.
- Graph paper pad (hand-drawn cash chart)Amazon
The rest of the brief is part of a subscription
Sessions, role duties, deliverables, materials, free tools, and the teacher setup use the same Creative Dad account as the project library. There is no separate student login.