Personal Financial Literacy Madura et al. 2010
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1 A Correlation and Narrative Brief of Personal Financial Literacy Madura et al To the Tennessee Learning Expectations for
2 TEXTBOOK NARRATIVE FOR THE STATE OF TENNESSEE Personal Financial Literacy, Student Edition with 6 year MyFinLitLab Access with etext (ISBN: ) Overview Personal Financial Literacy takes the essential principles of personal finance, as defined by national standards, and makes them accessible and applicable to today's students. The clear presentation and flexibility make Personal Financial Literacy the ideal resource for any type of class structure. Features Provides the critical content, student-friendly delivery, and flexibility teachers need. Fully correlated to all relevant national and state standards: Designed to meet state and local standards for personal financial literacy education as defined by JumpStart and the National Business Education Association Standards. Developed specifically for high-school students: Written to be engaging and accessible, the text captures student interest and drives mastery of the principles of personal finance. The Personal Financial Literacy Workbook includes open response questions, additional vocabulary review exercises, and personal finance worksheets. The 30-day Journal helps students record their daily spending down smallest purchase. End-of-chapter features allow for multiple assessment opportunities while also providing students the chance to employ critical thinking, math, cross-disciplinary, ethical reasoning, and team-building skills. Exceptional Web Resource MyFinLitLab is a fully integrated homework and tutorial system that offers textbook problems online, algorithmically generated values for more practice, partial credit, personalized study plans, and an online gradebook. Students and teachers are granted access to MyFinLitLab with purchase of the single-volume textbook. Table of Contents Chapter 1 Overview of Unit I Chapter 2 Chapter 3 Chapter 4 Financial Responsibility and Decision Making The Financial Plan Financial Decision Making Budgets and Balance Sheets Your Personal Financial Statements Unit 2 Income and Careers Chapter 5 Chapter 6 Chapter 7 Chapter 8 Careers and Education Paying Taxes Insuring Your Health and Your Life The Economy and You 2
3 Unit 3 Spending & Credit Chapter 9 Obtaining and Protecting Your Credit Chapter 10 Personal Loans and Purchasing Decisions Chapter 11 Credit Cards and Other Forms of Credit Unit 4 Saving and Investing Chapter 12 Chapter 13 Chapter 14 Chapter 15 Banking Procedures and Services Methods of Saving Methods of Investing Planning for the Future Program Components Student Workbook Journal Annotated Teacher s Edition Teacher s Resource Binder Instructor s Resource CD-ROM 3
4 Course Standards and Expectations Standard 1.0 Analyze factors affecting income throughout the life span. 1.1 Interpret factors affecting income. a. Career choices and potential income b. Educational requirements/training costs SE/AIE: 5, 8-9, 17, 24-25, 32, 42, 70, 72, 73, 85, 86, 88, 89, 177 SE/AIE: 5, 13, 32-33, 45, 46, 72, 77-79, 85, 86, 87, 88, 89, , 182, 184, 188, 192 c. Educational level SE/AIE: 5, 6, 9, 73, 77-78, 86, Analyze employer benefits packages. a. Savings plan SE/AIE: , 243, 244, 249, 250 b. Retirement SE/AIE: , 243, 244, 245, , 250, 293, 295 c. Insurance SE/AIE: 114, 115, , 120, , 123, 124, 126, 127, 128, 129 d. Leave (vacation, sick, etc.) Opportunities to address this standard may be SE/AIE: 115 e. Stock purchase Opportunities to address this standard may be SE/AIE: 59-60, , 265 f. Educational reimbursement Opportunities to address this standard may be SE/AIE: 79 g. Incentive plans SE/AIE: h. Cafeteria plan SE/AIE: 1.3 Demonstrate an understanding of inflation and its effect on purchasing power. a. Cost and availability of goods b. Effect of cost on availability of and demand for goods SE/AIE: , 142, 145, 146, 222 SE/AIE: 138, 142, 143, 222 4
5 c. Inflation s effect on the value of money SE/AIE: , 142, 172, 174, 193, , 231, 254, 257, 271, 291, Examine the components of paying taxes. a. Types of taxes (Federal, State, County, City) b. Personal and employer tax responsibilities c. Various documents for reporting taxes (W-2, W-4, 1040, 1040-EZ) SE/AIE: 5, 14, 25, 91-92, 93-94, , 102, 106, 108, 109, 110, , 294 SE/AIE: 92, 93-94, , 105, 106, 107, 110, 111 SE/AIE: 95-98, 102, Analyze the costs and benefits of paying taxes. a. Cost of government services (Police and fire protection, schools, roads, Social Security, AFDC, parks and recreation, etc. SE/AIE: 93, 98-99, 106, 109, , 114, 115, 124, , 177, 178, 183 Standard 2.0 Evaluate practices for successful money management. 2.1 Apply a decision making process to personal financial choices. SE/AIE: 4, 8, 11-12, 13, 14, 17, 25, 26, 39-45, 47, 49, 50, 132, 152, , , 176, , 181, 203, 209, , Design a current personal financial plan. SE/AIE: 4, 5, 7-8, 16, 22-29, 30, 31, 34, 39-45, 47, 48, 51, 54-61, 63, 65, 66, 101, 106, 107, 110, 118, 119, 122, 123, 126, 140, 141, Create a realistic household budget that includes the following items. a. Short-term components saving and spending (housing, utilities, food, entertainment, clothing, transportation, personal items, insurance, etc. b. Long-term components saving and spending (estate planning, wills, insurance, longterm care) SE/AIE: 8, 10, 25, 28, 30, 34, 39-46, 47, 50, 51, 54-57, 60-62, 63, 64, 65, 66, 105, 118, 199, 205 SE/AIE: 10, 16, 28-29, 31, 34, 39-46, 50, 51, 59-62, 63, 64, 66, , 265, , 286, 287, Understand banking procedures and services. a. Checking and savings accounts (maintaining and reconciling) SE/AIE: 23, 43, , 228, 229, , 237, 243, 246, 247 b. Bank service fees SE/AIE: , 215, 217, 218, 226,
6 c. Payment methods SE/AIE: 219, 220, 230 d. Debit, bank, and automatic teller machine (ATM) cards SE/AIE: 23, 215, 225, e. Loans SE/AIE: , , 2.5 Analyze personal risk management (insurance). Standard 3.0 a. Health SE/AIE: 28, 31, 34, , 125, 126, 291 b. Life SE/AIE: 28, 31, 34, , 128, 129 c. Homeowners SE/AIE: 28, 31, 34, d. Auto SE/AIE: 27, 28, 32, 34, 119, e. Renters SE/AIE: 28, 34, 175, 176, 177, 182, 188 f. Disability SE/AIE: 28, 34, 122, 124 g. Long-term care SE/AIE: 28, 34 Analyze the risks, costs, and benefits of financial management decisions. 3.1 Demonstrate knowledge of basic principles of consumer finance. a. Credit worthiness SE/AIE: 61, 149, , , 160, 161, 170, 177, 181, 185, 193, 195, 207, 208, 291 b. Purchases SE/AIE: 5, 10, 57, 60, 164, 192, 195 d. Goods/Services SE/AIE: 57, e. Consumer loans/credit life insurance SE/AIE: 60 f. Opportunity cost SE/AIE: 8, 13, 14, 15, 17, 25 g. Consequences of purchasing choices SE/AIE: 5, 26-27, 60-61, 152, 178, Demonstrate awareness of consumer protection and information. a. Personal responsibility SE/AIE: 5, 7, 26-27, 60-61, 152, 160, 178, 181, 192, , 204 b. Laws and regulations SE/AIE: 25, 129, , 164, , 224, 225, , 263, 272 c. Legal documents, including contracts SE/AIE: , 178, 186, 203 d. Consumer protections SE/AIE: , 161, 164, , 224 e. Crimes against consumers SE/AIE: , 160, 161, 165 6
7 f. Fraud/Scams SE/AIE: 11, 12, 78, 115, 126, , 160, 202, 205, g. Loan Sharking This standard falls outside of the program scope and sequence. h. Identify theft/protection SE/AIE: , 160, 161, 163, 165, 216, 228 i. Credit reporting services (Equifax, Trans Union, Experian) SE/AIE: 154, , 160, 164 j. Rental/lease SE/AIE:179, 203, 204, 205, Analyze consumer debt management. a. Credit card use and abuse SE/AIE: 5, 7, 23, 26-27, 60-61, , 160, , , , 204 b. Credit costs (interestincluding APR, penalties, fees, credit score, etc.) c. Loan consolidation (benefits and disadvantages) SE/AIE: 26-27, 60, , 156, 153, 157, 160, 161, 163, 165, 170, 171, 172, , 196, 197, 204, 208, 209, , 215, 291 SE/AIE: d. Credit Counseling SE/AIE: , 210 e. Credit problems including bankruptcy, foreclosure, repossession, surrender of collateral (turn back), delinquency, garnishment, effect on employment and purchase of insurance, etc. SE/AIE: 7, 13, 171, 183, 200, 202, Examine various forms of credit payment. a. Installment SE/AIE: , 160, 164 b. Bank draft SE/AIE: , 230 c. Layaway Opportunities to address this standard may be SE/AIE: 202 d. Electronic (Internet, debit card, electronic transfer, credit card) SE/AIE: 151, , 230, Compare and contrast various types of loans. a. Mortgage SE/AIE: 10, , 183, 187 7
8 b Balloon Opportunities to address this standard may be Standard 4.0 SE/AIE: c. Installment SE/AIE: 150, 164, d. Education/Training loans SE/AIE: 44, 60, , 182 e. Check cashing businesses SE/AIE: 201 f. Personal SE/AIE: , 182, 189 g. Secured and unsecured SE/AIE: , 182, 187, 294, 295 h. Line of credit SE/AIE: 173, 187 i. Equity SE/AIE: , 187, 188, 210 j. Title loans Opportunities to address this standard may be SE/AIE: k. Pawn shops SE/AIE: , 204, 206 Investigate opportunities available for saving and investing. 4.1 Identify reasons for saving and investing. a. Education SE/AIE: 5, 8-9, 24-25, 32-33, 105 b. Emergencies/rainy day SE/AIE: 5, 9-10, 17, 26, 30, 34, 53-54, 55, 138, 254, 269 c. Short term goals SE/AIE: 8, 10, 11, 13, 14, 41, 53-54, , 294 d. Long term goals SE/AIE: 5, 7, 8, 11, 13, 14, 28-29, 41, 53-54, 59, 238, 243, 293 e. Retirement SE/AIE: 7, 10, 13, 16, 29, 40, 122, , 141, , 243, 244, 245, , 250, 293, 295 f. Down payment SE/AIE: 10, 174, 168, 179, 184, 185, Evaluate methods of saving. a. Certificates of Deposit SE/AIE: 221, 236, 244, 245, 246, 254, 281, 291 b. Interest bearing savings account (Passbook savings) SE/AIE: 23, ,
9 c. Individual Retirement Account (IRA) Roth and traditional d. Pension plans (401K, 403B, annuities, etc.) SE/AIE: , 243, 244, 245, , 250, 263, 293 SE/AIE: 242, 244, 251, 263, 291 e. Education savings plans SE/AIE: 25, Evaluate methods of investing. a. Stocks and bonds SE/AIE: 29, 40, 59-60, 63, 64, , , 265, 266, , 270 b. Mutual funds SE/AIE: 29, 40, 60, , 265, 266, 270 c. Real estate SE/AIE: 26, 29, 40, , 264, 265, 266 d. Annuities SE/AIE: 40, 242, , 291 e. Business SE/AIE: 264, 265, 4.4 Appraise other aspects of saving and investing a. Diversification SE/AIE: 263, 281, 289, 290, 292 b. Time value of money SE/AIE: 238, 248, , 286, 289, 295 c. Compound growth/accrued interest d. Rule of 72 (divide interest rate into 72 to determine number of years in which money will double) SE/AIE: SE/AIE: 280, 289, 294 e. Risk and return SE/AIE: 270, 281, 286, 287, Identify regulatory agencies and their functions a. Federal Deposit Insurance Corporation (FDIC) b. Federal Savings and Loan Insurance Corporation (FSLIC) c. Securities Exchange Commission (SEC) SE/AIE: , 224, 225, 230, 234, 282, 292 This standard falls outside of the program scope and sequence. SE/AIE: , 272, 294 d. Federal Reserve SE/AIE: 153, 221, , 224, 230, 231, e. Internal Revenue Service (IRS) SE/AIE: 94-95, 98, 106, 109, 292 9
10 Standard 5.0 Apply employability skills as an integral part of the personal finance curriculum. 5.1 Participate in co-curricular student organization activities that enhance personal finance skills implementing collaborative projects Opportunities to address this standard may be SE/AIE: 16, 33, 49, 65, 88, 109, 126, 144, 163, 185, 207, 227, 246, 269,
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