PERSONAL FINANCE Grade Levels: 9-12
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1 PERSONAL FINANCE Grde Levels: 9-12 Personl Finnce llows the student to explore personl finncil decision-mking. It lso helps individuls use skills in money mngement, record-keeping, bnking, nd investing. The course ccomplishes this by the study of bsic concepts involving economics, insurnce, bnking, credit, stocks nd bonds, nd other relted topics through the use of business reserch tools nd technologicl resources. Activities will include preprtion of budgets, consumer skills, checking ccounts, investment pplictions, comprison-shopping, dvertising reserch, stndrd of living nlysis, nd comprison of housing options. This course is designed to be one-semester,.5 credit course. Prerequisites: None CONTENT STRANDS: (A-Accounting) (B-Business Lw) (C-Creer Development) (CO-Communiction) (EN-Entrepreneurship) (IB-Interntionl Business) (CP-Computtion) (IT-InformtionTechnology) (M-Mngement) (EP-Economics nd Personl Finnce) (MK-Mrketing) COMPETENCIES nd Suggested Objective(s): 1. Develop bsic consumer-wreness skills. (A, B, CP, EP, IT, MK). Identify steps in purchse decision while developing comprison-shopping skills. b. Identify consumer protection nd ssistnce gencies. c. Anlyze the impct nd implictions of consumer privcy. d. Exmine the impct of dvertising nd mrketing on consumer decision-mking. 2. Define nd explin productivity nd discuss the vrious fctors tht ffect productivity. (CO, CP, EP, IT, M, MK). Describe why incresed economic output increses the stndrd of living in society. b. Indicte opportunity costs nd economic risks involved to increse productivity of cpitl nd humn resources. c. Discuss the effects of government expenditures, regultions, nd tx policies on productivity. 127
2 3. Using technology (e.g., ppliction softwre, Internet), pply budgeting techniques tht involve plnning for trnsporttion, housing, insurnce, nd leisure expenses. (A, B, CO, CP, EP, IT, MK). Reserch the purchse of vehicle, including txes, mintennce, nd other incidentl costs. b. Compre the dvntges nd disdvntges of home ownership versus renting. c. Develop budget (e.g., routine fmily vction, entertinment). 4. Identify bnking services nd prepre relted documents. (A, EP, IT, MK). Using pproprite softwre, prepre documents such s checks, registers, deposits, nd withdrwls. b. Reconcile bnk sttement. c. Identify vrious svings mechnisms (e.g., interest-bering checking ccounts, svings ccounts, svings bonds, nd certifictes of deposit). 5. Explore the process involved in securing credit nd the effects of poor credit mngement. (A, B, CP, EP, MK). Explore the pros nd cons of vrious methods of finncing purchse (e.g., lon, instllment, lywy, credit crds, etc.). b. Identify personl qulifictions necessry to obtin credit long with the purpose of credit reports. c. Compre terms nd conditions required by credit sources nd complete credit ppliction. d. Identify sources of ssistnce for credit problems, bnkruptcy nd the need for sound credit rting. 6. Identify bsic strtegies for mking money, stocks, bonds, terminology for stocks/bonds nd pply procedures in mintining fictitious stock mrket portfolio. (A, B, CO, CP, EP, IT, MK). Compre stocks nd bonds. b. Compre nd contrst different mrket economies. c. Identify nd discuss sources for personl finnce, fmily income, svings nd investments. 7. Develop working knowledge of the types of insurnce vilble. (A, B, CP, EP, IT, MK). Exmine types of coverge for utomobile, property, life, helth, nd income security. 8. Explore tx functions s relted to personl finnce nd personl pyroll. (A, CO, CP, EP, IT). Compute sles tx nd pyroll tx. b. Explore potentil tx deductions nd credits (e.g., helth expenses, child/elderly cre costs, creer-relted clothing expenses, creer eduction, mortgge interest). c. Identify types of income txes. 128
3 Teching Strtegies 1 After studying purchsing concepts, students will roleply the steps in mking n effective purchse decision. 1 b, c A representtive from the Better Business Bureu nd the Attorney Generl's Office will consult with students to discuss consumer protection nd identify consumer ssistnce gencies. Techer-mde exmintion 1 d Students will collect nd nlyze dvertisements to show the impct on consumer decision-mking. 2 Students will prticipte in forum to discuss the effects tht incresed economic output hs on the stndrd of living in society. 2 b Students will red nd nlyze textbook references concerning the effects of government expenditures, regultions nd tx policies on productivity. Grded clss nd homework 2 c Students will listen to nd prticipte in discussion with Techer-mde test the stte governor's economic dvisor. 3 As n ssignment, students will use online services to visit motor vehicle delership nd obtin documenttion to lern the price of vehicle including txes, mintennce, nd other incidentl costs tht mybe required. 3 b Students will use the Internet to find the dvntges of home ownership s opposed to renting nd mke report to the clss. 3 c Students will develop pln for fmily vction nd develop budget for the vction using online services, Microsoft Word, nd Microsoft Excel. /techer-mde test 4 Students will use vilble clssroom softwre (e.g., QuickBooks, Quicken) nd technology to prepre checks, registers, deposits, nd withdrwls. 4 b Students will use the Internet to locte sites tht offer informtion on reconciling bnk sttement. 129
4 Teching Strtegies 4 c Students will use the Internet nd locte sites tht offer informtion on money-sving techniques for budgeting. 5 Students will survey locl news medi for finnce institutions nd methods for finncing vehicles, homes, food, clothing, nd other personl needs. 5 b Students will discuss the personl qulifictions necessry to obtin credit nd discuss the purpose of credit reports in clssroom forum. 5 c Techer will review terms nd conditions required by credit sources. Students will complete credit pplictions from finncil institutions. 5 d Students will use the Internet to see how one could seek ssistnce for credit problems nd bnkruptcy to chieve sound credit rtings. 6 Students will use the Internet to compre stocks nd bonds. Techer-mde test 6 b Students will compre/contrst different mrket Techer-mde test economies (e.g., consumer, producer, etc.). 6 c Students will write reserch report discussing the dvntges nd disdvntges of stocks nd shres, unit nd investment trusts, individul svings ccounts, nd Ntionl svings. 7 Techers will give students n exmple of given model cr nd hve students explore three different utomobile insurnce compnies quotes. Students will decide which quote is the best vlue. 8 Students will work in groups nd setup mock business in which they hire employees nd sell items. Students will setup nd mintin book-keeping system for their compny. 8 b Students will locte nd reserch the IRS web site. They will exmine different types of tx credits. Students will shre findings with the clss. 130
5 Teching Strtegies 8 c Students will secure copies of stte nd federl income tx forms nd will complete them in clss or online. 131
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