Students will be able to identify factors that affect personal financial decisions. list and apply the six steps to financial planning.
|
|
- Aubrey Gilmore
- 6 years ago
- Views:
Transcription
1 Personal Finance Essential Questions: 1. Explain the difference between a career and an occupation and how it affects your future? 2. What can I do to ensure that I will be successful when making and managing money? 3. How will developing effective spending habits affect my financial future? I. Planning and Money Management Standard 1: Students will apply strategies to monitor income and expenses, plan for spending, and save for future goals. 1.1: Students will develop a personal financial plan. planning personal finance facilitates needs vs wants attaining financial goals. budget income fixed expenses variable expenses savings financial goals financial plan disposable income identify factors that affect personal financial decisions. list and apply the six steps to financial planning. Board Adopted June 27,
2 1.2: Students will develop a system for keeping and using financial records while using different payment methods. checking accounts debit cards bank statements electronic transfers checkbook register reconciliation payment plans have pros and cons that need to be considered in personal financial planning. identify types of financial services. write checks accurately. record checks, deposits, electronic transfers, and debit cards in checkbook register. compare the costs and benefits of different types of checking accounts. reconcile a checkbook. label parts of a check. Board Adopted June 27,
3 1.3: Students will apply consumer skills to spending and saving decisions. savings plans consumer values goals economy target market personal factors influence consumer spending. marketing strategies influence spending decisions. an individual s background will affect how they spend and save over a lifetime. explain features of different savings plans. list and describe factors (personal and marketing strategies) that influence spending decisions. analyze marketing strategies that influence spending decisions. create a spending and savings plan for major purchases. apply the decision-making process to solve consumer problems. explain economic needs and wants that influence consumer decision making. Board Adopted June 27,
4 1.4: Students will prepare federal income taxes.. preparing federal income taxes is tax brackets the idea of paying your fair share taxes (federal, state, FICA) while taking advantage of the tax deductions breaks legally available. dependents itemize taxable income federal income tax Form W-2 Form 1040EZ prepare tax form 1040EZ. Board Adopted June 27,
5 II. Credit and Debt Standard 2: Students will develop strategies to maintain creditworthiness, borrow at favorable terms, and manage debt. 2.1: Students will analyze the costs and benefits of various types of credit. fees and other hidden costs may credit occur when using different forms of borrowing credit. finance charge potential creditors will grant credit grace period based on your creditworthiness. annual percentage rate (APR) capital collateral principle creditor debtor line of credit down payment five C s of credit (character, capacity, capital, conditions, collateral) creditworthiness principle (loan) define the advantages and disadvantages of consumer credit. research various benefits and rewards offered by credit card companies. compute the true cost of credit using APR and terms. describe and explain the importance of the five C s of credit. Board Adopted June 27,
6 2.2: Students will summarize a borrower s rights and responsibilities related to credit reports. various credit laws credit history credit report credit rating credit reports are used for purchases of homes, business loans, credit cards, and automobile loans, and for hiring. compare and contrast good vs poor credit. discuss various credit laws. (i.e consumer protection act, fair credit reporting act) 2.3: Students will apply strategies to avoid or correct debt management problems. bankruptcy laws 20/10 Rule (income to debt ratio) credit counseling bankruptcy debtor repossess confidential organizations (credit counseling services) will aid in avoiding debt problems and give options for managing finances. discuss methods for solving credit problems. outline bankruptcy laws and choices. Board Adopted June 27,
7 III. Income and Careers Standard 3: Students will use a career plan to develop personal income potential. 3.1: Students will explore job and career options. choosing a career has both positives and job analysis negatives to consider. salary their personal career choice may come benefits with training and education expenses or promotion debt. work characteristics values aptitude discuss career and job trends. describe sources of job information. complete a job analysis, listing the positive and negative features of potential career choices. identify optional and required employee benefits and recognize their value. Board Adopted June 27,
8 3.2: Students will analyze factors that affect personal income. compensation over-time pay net pay (income) gross pay (income) hourly wage salary Form W-4 taxes (federal and state) minimum wage withholding allowances pre-tax (e.g. flex funds for medical or childcare). college savings account net income is affected by hours worked, payroll taxes and other deductions. complete a Form W-4. compute payroll deductions and net pay. Board Adopted June 27,
9 IV. Savings and Investing Standard 4: Students will implement a diversified investment strategy that is compatible with personal financial goals. 4.1: Students will explain how investing may build wealth and help meet financial goals. needs and wants can be achieved list and describe the financial stock market through long-term planning and institutions where you can save. Certificates of Deposit (CD s) investing. compute how money grows through annual percentage yield (APY) compounding interest. stockbroker describe different purposes of saving. compound interest compute scenarios using the Rule of principal 72. interest securities maturity date money market account liquidity Rule of 72 diversification Board Adopted June 27,
10 4.2: Students will evaluate investment alternatives. Corporate and Municipal Bonds U. S. Government Savings Bonds Treasury Securities stocks mutual funds annuities real estate futures penny stocks collectibles financial pyramid the degree of risk in investments will vary with the expected return. to make wise investments you need to define your goals, go slowly, keep good records, get good advice, keep your knowledge current and know your limits. list and define basic investment options, rated by risk. describe sources of financial information to make investment decisions. Board Adopted June 27,
11 4.3: Students will demonstrate how to buy and sell investments. when buying a share, they will own a stockholders part of a company. common stock stocks can be used as a short or long stock split term investment. short selling a securities exchange is a marketplace market value where brokers buy and sell securities. par value stocks can be located on the blue chip stocks NASDAQ or NYSE. New York Stock Exchange (NYSE) National Association of Securities Dealers Automated Quotation System (NASDAQ) accurately buy and sell stock using a stock market simulation. (i.e. What if ) discuss stock investing classifications. define factors that affect a stock s price. read and explain the stock listings and stock indexes. Board Adopted June 27,
12 V. Risk Management and Insurance Standard 5: Students will apply appropriate and cost-effective risk management strategies. 5.1: Students will identify common types of risks and basic risk management methods. risk-management involves three risk (financial loss) steps: identify risks of loss, assess the premium seriousness of financial impact and deductible select the best ways to handle the insurance risks. claim a risk management plan needs to be types/terms completed. compare local insurance companies and rates. analyze personal property and liability risks. 5.2: Students will justify reasons to use property and liability insurance. renter s policy homeowner s policy liability coverage collision coverage comprehensive coverage negligence liability insurance is used to protect against claims for bodily injury to another person or damage to another person s property due to negligence of the insured party. discuss common types of automobile insurance coverage. explain the concept (the 5 W s) of liability insurance. explain the purpose of renter s and homeowner s insurance. Board Adopted June 27,
13 5.3: Students will justify reasons to use health and life insurance. life insurance can be a type of health insurance investment. life insurance choices are available for individual long term care insurance and group health insurance plans. beneficiaries analyze and compare common types of health insurance coverage and plans. describe the characteristics of different life insurance plans. Board Adopted June 27,
14 VI. Financial Decision-Making Standard 6: Students will apply reliable information and systematic decision-making to personal financial decisions. 6.1: Students will recognize the responsibilities associated with purchasing a vehicle, buying a home, or renting. a person should carefully weigh the evaluate several housing rental renting- advantages, costs, and responsibilities alternatives. dormitory when renting or buying a home. discuss potential living arrangements landlord when buying or renting a home you and moving choices. analyze advantages and disadvantages of tenant should consider such factors as renting a place to live. lease location, accessibility, nearness to describe the elements of a rental contract security deposit employment, type and quality of and lease agreement. eviction construction, cost and effort of identify landlord and tenant buying a home- maintenance, and personal likes and responsibilities. market value dislikes. determine the advantages and closing costs when purchasing a vehicle you must disadvantages of home ownership. multiple listing service (MLS) consider the cost of insurance, examine the costs and responsibilities of mortgage licensing and registration, gas, home ownership. counter offer maintenance and repairs. discover how to obtain financing and the closing process. lien buying a car starts with identifying breakdown the process of buying a car. deed and prioritizing your needs and elaborate on advantages and title wants, then determining what you disadvantages of automobile leasing purchasing a vehicle- can afford. costs and processes. pre-approval identify the costs of owning and sticker price operating a vehicle. vehicle identification number (VIN) discuss consumer protection available for lemon new- and used-car buyers. Board Adopted June 27,
15 6.2: Students will recognize major consumer protection laws that apply to them. people are protected by the fraud Consumer Bill of Rights. consumer individuals are provided protection advocate by major federal consumer protection recall laws. care labels identify laws to protect consumers from unsafe products and unfair or deceptive business practices. 6.3: Students will analyze the requirements of contractual obligations. contracts have to be legal in contract order to be enforceable. breach of contract terms contained in an agreement warranty need to be read and understood. co-signer negotiable discuss the elements of legal contracts and responsibilities regarding contracts. describe negotiable instruments and warranties. 6.4: Students will control personal records. W-2 form Statement of Net Worth assets liabilities net worth personal records provide the road map to financial security. keeping a good filing system will help you organize, store, and retrieve needed information. complete a Statement of Net Worth. discuss ways to set up a filing system (paper and electronic) for personal records. Board Adopted June 27,
16 VII. Business Ethics Standard 7.1: Students will define, develop, and apply a code of ethics to various issues. ethics conduct social responsibility customer honesty moral commitment Acceptable Use Policy ethics applies to all aspects of business conduct and is relevant to the conduct of individuals and entire organizations. they must take accountability for their actions. there are impacts of ethical and unethical or illegal use of technology on individuals and society. discuss the ethical and social responsibilities of a business. demonstrate personal responsibility by engaging in positive, respectful business behavior. document properly both print and digital sources to avoid plagiarism. (Refer to District Technology Standard 1) Board Adopted June 27,
17 VIII. Communication Achievement Standard 8: Students will develop basic skills in active listening and written communication. 8.1: Students will listen actively, use the communication process, read and research information, and integrate technology to enhance communication effectiveness. active listening resources active listening is a vital part of the communication process. the communication process involves written communication. problem solving requires researching a variety of information sources. listen for information. demonstrate courteous attention when listening to others. follow verbal and written directions. use technology to solve problems independently and effectively. listen to and read information to create professional business documents. 8.2: Students will prepare clear, complete, concise, correct, and courteous written messages for personal and professional uses. revisions clear, correct, concise, complete, consistent, and courteous documents effectively communicate a message. mistakes will undermine the credibility of written communications. use correct spelling, grammar, word and number usage, punctuation and formatting. proofread and edit business documents to ensure that they are clear, correct, concise, complete, consistent, and courteous. Board Adopted June 27,
18 8.3: Students will demonstrate professional speaking techniques and strategies. organizational strategies for a presentation organization is critical presentation. for audience understanding. strategies to avoid vocal segregates a presentation introduction aides in such as um, uh, er, like, etc. audience understanding. vocal segregates need to be avoided. speed, tone, emphasis and volume contribute to a quality presentation. as a presenter, they are taking responsibility for delivering the correct information. establishing rapport and building credibility with the audience are required with any presentation. preparation & practice will reduce vocal segregates. technology enhances communication. a presentation conclusion aides in audience understanding. organize thoughts to reflect logical thinking before speaking. identify vocal segregates such as um, uh, er, like, etc. adjust speed, tone, emphasis, and volume to deliver content professionally. use strategies to reduce or eliminate vocal segregates such as um, uh, er, like, etc. discuss the importance of taking responsibility for all spoken communication. establish rapport and build credibility with the audience. Board Adopted June 27,
1. Use a plan to manage spending and achieve financial goals. Unit 1, Ch. 1, 2, 3
Washington STATE STANDARD OR BENCHMARK: CORRELATES WITH: Spending and Saving 9.SS Financial Education Grade 9 Develop a plan for spending and saving. 1. Use a plan to manage spending and achieve financial
More informationCURRICULUM MAP. Course /Subject: Finance and Investment Grade: 9, 10, 11, 12
Enduring Understanding Individuals must be responsible for creating and protecting their own wealth. The government and companies will not do it for you. A person s standard of living is determined by
More informationTEKS: Texas Essential Knowledge and Skills standards Precision Exam: National standards for CTE and General Financial Literacy course testing
1 : Texas Essential Knowledge and Skills standards : National standards for CTE and General Financial Literacy course testing HPLS 1 - MATHEMATICS AND PROBLEM SOLVING Students will use problem-solving
More informationBanking and Finance. EXAM INFORMATION Items. Points. Prerequisites. Grade Level. Course Length. Career Cluster EXAM BLUEPRINT. Performance Standards
EXAM INFORMATION Items 58 Points 74 Prerequisites NONE Grade Level 10-12 Course Length ONE SEMESTER DESCRIPTION Students will gain an understanding of the banking and financial industries. The course will
More informationBANKING AND FINANCE (235)
DESCRIPTION Students will gain an understanding of the banking and financial industries. The course will include an understanding of basic economics as the underlying basis of the transfer and growth of
More informationFinance Career Cluster Financial Literacy Course Number
Finance Career Cluster Financial Literacy Course Number 07.42600 Course Description: How money smart are you? Step into this course specifically designed for high school students to understand the importance
More informationPersonal Financial Planning for Accountants
Personal Financial Planning for Accountants 3 rd Edition Distributed by The CPE Store www.cpestore.com, 1-800-910-2755 Chapter 1 What You Should Know About Financial Planning... 1 Learning Objectives...
More informationWest Windsor-Plainsboro Regional School District Financial Literacy
West Windsor-Plainsboro Regional School District Financial Literacy Content Area: Financial Literacy Course & Grade Level: Financial Literacy, 9-12 Financial Literacy Summary and Rationale The vision of
More informationAdvertising An announcement usually paid of a product s or service s benefits that is intended to encourage its purchase.
Advertising An announcement usually paid of a product s or service s benefits that is intended to encourage its purchase. Asset An item with economic value that an individual or organization owns, such
More information401(k) 529 plan a American Stock Exchange (ASE) annual fee annual percentage rate (APR) asset auto insurance b bad debt balance bank bankruptcy
401(k) A retirement savings plan funded by employees and often matched by contributions from the employer; contributions are usually made before taxes and grow tax-free until withdrawn, although after-tax
More informationCurriculum Course Description: Math for Personal Finances
Grade Level: 11-12 / Content Area: Mathematics Length of Course: Full Year Curriculum Course Description: Math for Personal Finances Unit Name: Chapter 1 Big Ideas for Unit: Careers Course Objectives for
More informationState Content Standards for New Jersey
Episode 101 What Is a Biz Kid? Episode 102 What Is Money? Episode 103 How Do You Get Money? Episode 104 What Can You Do with Money? Episode 105 Money Moves Episode 106 Taking Charge of Your Financial Future
More informationENTERPRISE MANAGEMENT II Curriculum Content Frameworks
ENTERPRISE MANAGEMENT II Curriculum Content Frameworks Please note: All assessment questions will be taken from the knowledge portion of these frameworks. Prepared by Joyce Martindale, El Dorado High School
More informationContents Mathematical Models with Applications: page 2...
Texas Contents 111.36 Mathematical Models with Applications: page 2... 111.43 Mathematical Models with Applications: page 2... Chapter 113. Texas Essential Knowledge and Skills for Social Studies: page
More informationSixth Seventh Eighth Spending and Saving 6.SS Spending and Saving 7.SS Spending and Saving 8.SS Develop a plan for spending and saving.
Spending and Saving 6.SS Spending and Saving 7.SS Spending and Saving 8.SS Develop a plan for spending and saving. 1. Show how spending priorities reflect goals and personal values. Spending and Saving
More informationPersonal Finance (2016)
Personal Finance (2016) Course This unit will explore the fundamentals of economics. This unit will cover key financial terms and their application to our everyday lives. This unit will go in depth, discussing
More informationBasic Understanding of the Accounting Industry: Basic Understanding of the Accounting Industry:
Texas University Interscholastic League Contest Event: Accounting The contest focuses on the elementary principles and practices of accounting for sole proprietorship, partnerships and corporations, and
More informationPersonal Financial Planning for Accountants
Personal Financial Planning for Accountants 4 th Edition Distributed by The CPE Store www.cpestore.com, 1-800-910-2755 Chapter 1 What You Should Know About Financial Planning... 1 Learning Objectives...
More informationPage 1 of 30. Analysis. MSDE Financial Literacy
Standards MSDE Financial Literacy Stocks in the Future Grade Six STANDARD 1: MAKE INFORMED, FINANCIALLY RESPONSIBLE DECISIONS -- Students will apply financial literacy reasoning in order to make informed,
More informationGeneral Financial Literacy
General Financial Literacy Levels: Grades 11-12 Units of Credit: 0.50 Core Code: 01-00- 00-00- 100 Prerequisite: None COURSE DESRIPTION The General Financial Literacy course for juniors and seniors encompasses
More informationOklahoma Standards Objectives FoolProof Module Alignment
Oklahoma Personal Financial Literacy Standards: Oklahoma Standards Objectives FoolProof Module Alignment Standard 1: The student will describe the importance of earning an income and explain how to manage
More informationPersonal Financial Literacy by Madura, et al
A Correlation of by Madura, et al To the New Jersey Core Curriculum Content Standards for 21st-Century Life and Careers - 9.2 INTRODUCTION This document demonstrates how Prentice Hall s 2010 meets the
More information9.2.12C:#3; F.71; F.74; F.75; F F.77; F1.01
Pacing Guide for Course: PERSONAL FINANCE - Course Number: 8052 ~ September 2013~and February 2014 Obj: Introduction of PERSONAL FINANCE Course. Introduce the course objectives are to have graduating high
More informationEMC Publishing s Personal Finance, A Lifetime Responsibility Correlated to South Carolina s PERSONAL FINANCE Standards. pp.
A. SAFETY 1. Identify good work attitudes that affect safety on the job. pp. 37, 38, 39 2. Identify major causes of work-related accidents in offices. 3. Demonstrate knowledge of an emergency plan. pp.
More informationTeacher's Guide. Lesson Nine. Cars and Loans 04/09
Teacher's Guide $ Lesson Nine Cars and Loans 04/09 cars and loans websites Being prepared is the best way to keep car-buying choices and decisions on the right track. Students need to examine all aspects
More informationPersonal Finance Literacy Exam Study Material
Personal Finance Literacy Exam Study Material Steps in Career Planning 1. Self-analysis 2. Research 3. Plan of action 4. Re-evaluation Chapter 2 SLIDE 2 The Importance of Goals A goal is a desired end
More informationChapter 17. Managing Personal Finances
Chapter 17 Managing Personal Finances Section 17-1 Using Financial Services Objectives Describe various services offered by financial institutions. Write and endorse checks correctly. Balance a checkbook.
More informationMath of Business & Personal Finance
EXAM INFORMATION Items 52 Points 60 Prerequisites NONE Grade Level 10-12 Course Length ONE SEMESTER Career Cluster BUSINESS MANAGEMENT AND ADMINISTRATION FINANCE Performance Standards INCLUDED Certificate
More informationOffice of Curriculum, Instruction, and Technology. Financial Literacy. Grade 10, 11, or 12. Prerequisite: None. Credit Value: 2.
Office of Curriculum, Instruction, and Technology Financial Literacy Prerequisite: None Credit Value: 2.5 ABSTRACT The Financial Literacy course focuses on preparing students to meet the challenges of
More informationDepartment of Social Sciences Math for Business and personal Finance
Course Title: Head of Department: Teacher(s) + e- mail: Cycle/Division: Math for Business and personal Finance Ms. Budoor Konialy Boudour.kb@greenwood.sch.ae Ms. Budoor High School Grade Level: Grade 12
More informationPersonal Finance Final Exam Study Guide
Personal Finance Final Exam Study Guide Your final exam will consist of 140 questions. There are around 40 questions from the Credit/Debt unit, and around 8-9 questions from each of the other 5 units of
More informationTake Charge of Your Finances Pre/Post
Take Charge of Your Finances Pre/Post Total Points Earned 60 Total Points Possible Percentage Directions: Circle the correct answer for each question. Name Date Class 1.17.4 1.17.2 1.17.3 1.17.3 1.17.3
More information1. Evaluate the role of choice in decision making. Unit 1, Ch. 1, 2, 3 Unit 2, Ch. 4, 5, 6 Unit 3, Ch. 8, 9 Unit 4, Ch. 10
Missouri STATE STANDARD OR BENCHMARK: CORRELATES WITH: Financial Decision Making Personal Finance Competencies 1. Evaluate the role of choice in decision making. Unit 1, Ch. 1, 2, 3, 6, 9 Unit 4, Ch. 10
More informationDRIVING MY FINANCIAL FUTURE
STUDENT ACTIVITY 2 Write all of the things you d like to have or do that cost money, you can make the list as long as you want. Review the items you have listed and group them into the 3 category boxes
More informationDistrict > Intermediate > Business Education > Business Math & Personal Finance ( ) (District) > Juett, David; Paulsen, Erin
Granite School District Business Math & Personal Finance (52.0311) (District) District > Intermediate > Business Education > Business Math & Personal Finance (52.0311) (District) > Juett, David; Paulsen,
More informationPROGRAM CONCENTRATION: Business & Computer Science. Legal Environment of Business
PROGRAM CONCENTRATION: Business & Computer Science CAREER PATHWAY: Small Business Development COURSE TITLE: Legal Environment of Business 1 Legal Environment of Business is the second course in the Small
More informationGeneral Financial Literacy
PRECISION EXAMS General Financial Literacy EXAM INFORMATION Items 75 Points 85 Prerequisites NONE Grade Level 10-12 Course Length ONE SEMESTER Career Cluster 21 ST CENTURY SKILLS FINANCE Performance Standards
More informationCompetencies or Topics Standards Week Week 1, 2 and 3
Course: Personal Finance Test(s) Given: Chapter Test and Semester Test Resources: Personal Finance Book and Binder, Internet, guest speakers, worksheets from various personal finance books, excel, access,
More informationPERSONAL FINANCE: A Lifetime Responsibility
EMC PUBLISHING 875 MONTREAL WAY ST. PAUL, MN, 55102 PERSONAL FINANCE: A Lifetime Responsibility Business Technology Course Code 6501230 Correlated to the Tennessee Personal Finance Standards May, 2011
More informationModule Summaries
EVERFI @Work Module Summaries Auto Loans Identify different types of auto loan providers Define important components of an auto loan: installment, principal interest, fees Explain the relationship between
More informationBuilding Your Future
personal finance Building Your Future Robert B. Walker University of Iowa Kristy P. Walker University of Iowa Mc Graw Hill Education contents PREFACE IX section one MONEY $ MONEY $ MONEY $ 1 CHARTER 1
More informationNew, Leased, and Pre-Owned
New, Leased, and Pre-Owned Since cars are considered goods, protected by: Uniform Commercial Code (UCC) If for personal, family or household use: Covered by both federal and state consumer protection laws
More informationEverFi - Financial Literacy
EverFi - Financial Literacy EverFi - Financial Literacy teaches, assesses and certifies students in critical financial concepts through the latest online, interactive curriculum including 3D gaming, animations,
More informationA Evaluate and demonstrate how career choices, education choices, skills, entrepreneurship, and economic conditions affect income.
Wisconsin STATE STANDARD OR BENCHMARK: CORRELATES WITH: Personal Finance Literacy A. RELATING INCOME AND EDUCATION Students in Wisconsin will understand the relationship between education, income, career,
More informationMATHEMATICS OF BUSINESS AND PERSONAL FINANCE (236)
DESCRIPTION This assessment is designed to represent the standards of learning that are essential and necessary for all students. The implementation of the ideas, concepts, knowledge, and skills will create
More information1.12.A.1 Explain how scarcity and opportunity cost affect decision-making. Unit 2, Ch. 4, 6
Maryland STATE STANDARD OR BENCHMARK: CORRELATES WITH: Personal Financial Literacy Standard 1 1.12. A Evaluate the financial choices that are made based on available resources, needs, and wants for goods
More informationCOURSE OUTLINE. Course Number Course Title Credits BUS109 Personal Finance 3. Pre-requisites: MAT125 or advisor approved equivalent IST101 or 102
COURSE OUTLINE Course Number Course Title Credits BUS109 Personal Finance 3 Hours: lecture/lab/ Other 3 Lecture Pre-requisites: MAT125 or advisor approved equivalent IST101 or 102 Implementation sem/ year
More informationFor additional state standards please refer to your Department of Education.
Alabama Alaska Arizona Colorado Georgia Illinois Iowa Kansas Minnesota Missouri Nevada North Dakota Oklahoma Oregon Tennessee Washington Wisconsin State K-2 3-6 Middle School High School Alabama Alaska
More informationGFL Passport Objective Test Pilot Name
GFL Passport Objective Test Pilot Name 1. Which of the following is a significant aspect of decision making in financial planning? A. Alternatives do not need to be examined B. All decisions only have
More informationBANKING & FINANCE (145)
Page 1 of 10 Contestant Number: Time: Rank: BANKING & FINANCE (145) REGIONAL 2017 Multiple Choice: (30 @ 2 points each) (60 points) Financial Word Problems: (9 @ 2 points each) (18 points) Endorsements:
More informationHoover City Schools Secondary Curriculum Document Career Technical Education,
Hoover City Schools Secondary Curriculum Document Career Technical Education, 200-2010 Links to Document Content: Basic Course Information Instructional Sequence Instructional Units / Learning Outcomes
More informationPersonal Finance Banking & Credit Unit
Personal Finance Banking & Credit Unit Farmington Public Schools Grade 11 & 12 Business Education Pete Chrzanowski DRAFT: 6/30/06 Farmington Public Schools 1 Table of Contents Unit Summary....page 3 Stage
More informationConsumer Math Mathematics
Scope And Sequence Timeframe Unit Instructional Topics 2 Week(s) Gross Income Net Income Recordkeeping Savings Account Checking Accounts 1. Straight-Time Pay 2. Weekly Time Card 3. Overtime Pay 4. Overtime
More informationSolving Money Problems
Solving Money Problems 14 th Edition Robin Leonard, J.D. Attorney Margaret Reiter Chapter 1 How Much Do You Owe?... 1 Learning Objectives... 1 Introduction... 1 How Much Do You Earn?... 2 How Much Do You
More informationI Index. Accountant, 140
I A Accountant, 140 advantages, 141 disadvantages, 141 ACH. See Automated Clearing House (ACH) Adjustable rate mortgage (ARM), 80 Annual fee payment, in credit card, 58 Appreciable assets, 6 ARM. See Adjustable
More informationTennessee Standards Objectives FoolProof Module Alignment
TN-V2-130414 Tennessee Economic Financial Literacy Standards Financial Responsibility and Personal Decision Making Objective 1: Define the concept of personal finance and explain the importance of personal
More informationRetirement Planning. The Ultimate Tax Guide
Retirement Planning The Ultimate Tax Guide Course Description The need for effective retirement planning has never been greater. This course is essential for participants who wish to attain a comfortable
More informationTeacher's Guide. Lesson Nine. In Trouble 04/09
Teacher's Guide $ Lesson Nine In Trouble 04/09 in trouble websites It's hard to admit and deal with debt or financial trouble. It can be a painful time, but students need to learn practical, beneficial
More informationFairfield Public Schools
Mathematics Fairfield Public Schools Financial Algebra 42 Financial Algebra 42 BOE Approved 04/08/2014 1 FINANCIAL ALGEBRA 42 Financial Algebra focuses on real-world financial literacy, personal finance,
More informationPersonal Financial Literacy 2010
Prentice Hall C O R R E L A T E D T O - Curriculum Content Managing Resources Grade Levels: 9, 10, 11, 12 Course Code: 493190 Unit 1: Life Goals and Decisions - Hours: 5 1.1 Define terms related to goals
More informationBANKING & FINANCE (145)
Page 1 of 10 Contestant Number: Time: Rank: BANKING & FINANCE (145) REGIONAL 2017 Multiple Choice: (30 @ 2 points each) (60 points) Financial Word Problems: (9 @ 2 points each) (18 points) Endorsements:
More information2. To earn as much interest as possible, you should open a savings account that earns () interest Hide answers
1. Interest is? Hide answers A charge for lending money to a bank amount owed for borrowing money amount added into your savings when opening a n account a charge for accessing the money in your savings
More informationHalifax Area School District Course Plan Business Math
Unit: 1- Gross Pay Time Line: 11 days The Big Idea: Employees compensations and earnings can be calculated in traditional and non-traditional ways How do you compute pay period earnings for an hourly employee?
More informationFinancial Literacy Curriculum Map
Financial Literacy Curriculum Map Course Description: This course is designed to provide students with the knowledge and skills to manage one's financial resources effectively for lifetime financial security.
More informationTeacher's Guide. Lesson Thirteen. In Trouble 04/09
Teacher's Guide $ Lesson Thirteen In Trouble 04/09 in trouble websites It's hard to admit and deal with debt or financial trouble. It can be a painful time, but students need to learn practical, beneficial
More informationELEVENTH EDITION JACK R. KAPOOR. College of DuPage LES R. DLABAY. Lake Forest College ROBERT J. HUGHES. Dallas County Community Colleges
PERSONAL FINANCE ELEVENTH EDITION JACK R. KAPOOR College of DuPage LES R. DLABAY Lake Forest College ROBERT J. HUGHES Dallas County Community Colleges MELISSA M. HART Contributing Author, North Carolina
More informationEconomics & Personal Finance
1 Economics & Personal Finance 3 rd 9 weeks 2016 Monday, January 4 (Edgenuity) Lesson: Understanding Net Worth Objective: Students will be able to differentiate between assets and liabilities Tuesday,
More informationPERSONAL FINANCE FINAL EXAM REVIEW. Click here to begin
PERSONAL FINANCE FINAL EXAM REVIEW Click here to begin FINAL EXAM REVIEW Once you work through the questions, you will have a good ideas of what will be on the final next week. Click here if you are too
More informationSENECA HIGH SCHOOL CURRICULUM MAP BUSINESS/COMPUTER EDUCATION
SENECA HIGH SCHOOL CURRICULUM MAP BUSINESS/COMPUTER EDUCATION ECONOMICS Reagan Anderson UNIT 1 ESSENTIAL QUESTION CONTENT LEARNING TARGETS Introduction to Economics Chapters 1,2,3 (4 weeks) *In what ways
More informationDeveloped by Crystal Hough Submitted August Revised by: Elizabeth Mongno
Summit Public Schools Summit, New Jersey Grade Level 11-12 / Content Area: Mathematics Length of Course: One Semester Curriculum: Financial Literacy Personal Finance Developed by Crystal Hough Submitted
More informationPersonal Financial Literacy Madura et al, 2010
A Correlation of Madura et al, To the Oklahoma Priority Academic Student Skills for 2010, (Madura, et al) to the INTRODUCTION This document demonstrates how Pearson s meets the objectives of the Skills
More informationAdding Mutual Funds to a Stock Portfolio Adding Stocks to a Fund Portfolio. An Introduction to Initial Public Offerings
Primary Subject Accounting Tutorial 20 Stock-Investing Tips 401(k) Plans A Simple Adding to a Stock Adding to a Fund Advantages of Alternative Investments Alternatives to Probate American Depository Receipts
More informationThe Process of Developing an Investment Portfolio
Presentation Outline The Process of Developing an Investment Portfolio Dr. Tahira K. Hira Professor and Senior Policy Advisor to the president Iowa State University Get Ready To Invest Our values & our
More informationHo-Chunk Nation Education Department Financial Literacy Learning Objectives Per Capita Distribution Ordinance. Daily Finances
Ho-Chunk Nation Education Department Financial Literacy Learning Objectives Per Capita Distribution Ordinance Daily Finances Budget What is a Budget? Define budgeting Explain the value of creating and
More informationPERSONAL FINANCIAL MANAGEMENT- PILOT (192)
PERSONAL FINANCIAL MANAGEMENT CONCEPTS REGIONAL 2015 Page 1 of 10 PERSONAL FINANCIAL MANAGEMENT- PILOT (192) OPEN EVENT REGIONAL 2015 DO NOT WRITE ON TEST BOOKLET TOTAL POINTS (500) Failure to adhere to
More informationGOVERNOR LIVINGSTON HIGH SCHOOL MATHEMATICS DEPARTMENT MATH FOR LIVING #MAY0001
BERKELEY HEIGHTS PUBLIC SCHOOLS BERKELEY HEIGHTS, NEW JERSEY GOVERNOR LIVINGSTON HIGH SCHOOL MATHEMATICS DEPARTMENT MATH FOR LIVING #MAY0001 Curriculum Guide September 2010 Mrs. Judith Rattner, Superintendent
More informationFINANCIAL AVENUE LEARNING OBJECTIVES PSYCHOLOGY OF MONEY FOUNDATIONS OF MONEY LEARNING OBJECTIVES LEARNING OBJECTIVES
FINANCIAL AVENUE PSYCHOLOGY OF MONEY We ve all made poor spending choices, even when we sometimes know better; it s what makes us human. With that in mind, students will explore their financial personality
More informationEFF Content Standards
Correlations 1 1 Your life page 1 Correlations to National Standards SCANS CASAS Life Skill EFF Content Standards 1.2.5, 4.8.1, 4.8.3 A full range of EFF Content Guide Others 1 Correlations to State Standards
More informationRental Real Estate Deductions
Rental Real Estate Deductions 15 th Edition Stephen Fishman, J.D. Chapter 1 Tax Deduction Basics for Landlords... 1 Learning Objectives... 1 Introduction... 1 How Landlords Are Taxed... 1 Income Taxes
More informationLesson 5: Credit and Debt
Lesson 5: Credit and Debt debt: something owed to a person or an organization credit: the privilege granted to approved clients to receive goods or services and to pay for them in the future In February
More informationGlossary. Alternatives The different possibilities to choose from in a given situation.
Glossary Alternatives The different possibilities to choose from in a given situation. Annual percentage rate (APR) The percentage cost of credit on an annual basis and the total cost of credit to the
More informationMoney Matters Reference Comprehensive Exam
NAME: DATE: PERIOD/ CLASS: QUIZ SCORE: Answer each question correctly. ACCOUNTS 1. The FDIC insures a bank account against loss if a bank fails up to what amount? a. $100,000 per individual account in
More information1st Quarter Curriculum Focus: Practical knowledge about personal finances, which ties to basic economic concepts and provides
Title Economics & Personal Finance Course Code 6120 Duration 36 Weeks Suggested Grade Level: 10, 11, 12 Description: Students learn how to navigate the financial decisions they must face and to make informed
More informationChapter 10. Personal Loans and Purchasing Decisions Pearson Education, Inc. All rights reserved
Chapter 10 Personal Loans and Purchasing Decisions 2010 Pearson Education, Inc. All rights reserved Learning Objectives Describe the key features and qualities of personal loans Explain the unique issues
More informationLast Edit Page 1
Course: Mathematical modeling in personal finance. MM.(2) The student uses mathematical processes with graphical and numerical techniques to study patterns and analyze data related to personal finance.
More informationCurriculum Guide
EverFi @Work Curriculum Guide Table of Contents Overview... 3 Detailed Module Summaries... 4 Auto Loans... 4 Benefits of a Credit Union... 4 Budgeting Tool... 4 Building Emergency Savings... 4 Checking
More informationEVERFI Financial Literacy
EVERFI Financial Literacy EVERFI - Financial Literacy builds the foundation for students future financial well being. Covering everything from common account types to the basics of investing, each module
More informationPERSONAL FINANCE CURRICULUM MAP. Unit 1 SAVING AND INVESTING
PERSONAL FINANCE CURRICULUM MAP Unit 1 SAVING AND INVESTING Week Standard Objective Assessment 1-3 1 1, 2 4-6 E4.1.2 E4.1.2 Chapter 1: Savings I can list the key steps that will lead to strong foundations
More informationEssential Standard Understand business credit and risk management.
Essential Standard 5.00 Understand business credit and risk management. 1 Objective 5.01 Understand credit management 2 3 Topics Main types of credit Common advantages and disadvantages of businesses using
More informationFINANCIAL FITNESS CENTER COURSES
Primary Subject Accounting Accounting Accounting Estate Planning Estate Planning Estate Planning ETFs ETFs Financial Institutions Tutorial Understanding the Balance Sheet Understanding the Income Statement
More informationCEE National Standards for Financial Literacy
Episode 101 What Is a Biz Kid? Episode 102 What Is Money? Episode 103 How Do You Get Money? Episode 104 What Can You Do with Money? Episode 105 Money Moves Episode 106 Taking Charge of Your Financial Future
More informationPersonal Finance Unit 2 Chapter Glencoe/McGraw-Hill
0 Chapter 6 Consumer Credit What You ll Learn Section 6.1 Explain the meaning of consumer credit. Differentiate between closed-end credit and openend credit. Section 6.2 Name the five C s of credit. Identify
More informationUnderstanding Credit. Lisa Mitchell, Sallie Mae April 6, Champions of Financial Aid ILASFAA Conference
Understanding Credit Lisa Mitchell, Sallie Mae April 6, 2017 Credit Management Agenda Understanding Your Credit Report Summary: Financial Health Tips Credit Management Credit Basics Credit health plays
More informationPresentation Slides. Lesson Nine. Cars and Loans 04/09
Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)
More informationAlgebraic Business Calculations Course Summary Department: Career and Technical Education Business. Semester 1
Algebraic Business Calculations Course Summary Department: Career and Technical Education Business Semester 1 Learning Objective #1 After completion of this objective, students will be able to: Demonstrate
More informationHigh School Career Development & Occupational Studies Curriculum Introduction to Accounting
VALLEY CENTRAL SCHOOL DISTRICT 944 STATE ROUTE 17K MONTGOMERY, NY 12549 Telephone Number: (845) 457-2400 ext. 8121 Fax Number: (845) 457-4254 High School Career Development & Occupational Studies Curriculum
More informationEstate Planning and Gift Taxation
Estate Planning and Gift Taxation A Complete Guide Course Description This presentation integrates federal taxation with overall financial planning, with a special emphasis on estate and gift taxation.
More informationHPISD 6/7 Math UNIT NAME ESTIMATED DURATION 9 WEEKS
HPISD 6/7 Math UNIT NAME ESTIMATED DURATION 9 WEEKS UNIT 7: PERSONAL FINANCIAL LITERACY 12 DAYS 1 2 3 4 Unit Overview The student will apply mathematical process standards to develop an economic way of
More informationProject Pro$per. Credit Reports and Credit Scores
Project Pro$per Presents Credit Reports and Credit Scores Participant Guide www.projectprosper.org www.facebook.com/projectprosper Based on Wells Fargo s Hands on Banking The Hands on Banking program is
More information2 Basic Types of Stock. Stock Classifications
The Language of the Market Family Economics & Financial i Education Why Learn About s The stock market is the core of America s economic system is a share of ownership in the assets and earnings of a company
More information