Semester 1
Course Introduction
Objectives:
Participation: Attitudes about Money-301A1, Advanced Level Course Introduction-301A2, Attitudes about Credit Card-301A3, Human Bingo-211A1
Assessment: Life is Highway Bumper Sticker Rubric-308B1
- Explore the role money plays in well-being
- Examine the personal finance course principles
- Identify categories of money interaction
- Explore the concept of future thinking
Participation: Attitudes about Money-301A1, Advanced Level Course Introduction-301A2, Attitudes about Credit Card-301A3, Human Bingo-211A1
Assessment: Life is Highway Bumper Sticker Rubric-308B1
Unit 1 - Take Charge of Your Financial Well-Being
Money in Your Life
Objectives:
Participation:What Makes You Happy-212A1, Money in Your Life Note-taking Guide-212G1, The Roommates-212A2, Everyone
Assessment: Money in Your Life Interview-212A4, Money in Your Life Interview Essay Rubric-212B2
- Establish the importance of financial well-being for building overall well-being
- Recognize the role of money in creating personal happiness
- Recognize the importance of financial planning to create high well-being
Participation:What Makes You Happy-212A1, Money in Your Life Note-taking Guide-212G1, The Roommates-212A2, Everyone
Assessment: Money in Your Life Interview-212A4, Money in Your Life Interview Essay Rubric-212B2
Financial Decisions
Objectives:
Participation:Values Auction-213A1(auction cards needed), What do I Value-213A3, Needs vs. Wants-213A4, Shelbi's Decisions-213A5
Assessment: You've Got Money-213B2
- Analyze how values, needs, and wants affect individual financial decisions
- Apply concepts of trade-offs and opportunity costs to decision making
- Recognize the impact of individual values on overall well-being
Participation:Values Auction-213A1(auction cards needed), What do I Value-213A3, Needs vs. Wants-213A4, Shelbi's Decisions-213A5
Assessment: You've Got Money-213B2
Setting Financial Goals
Objectives:
Participation: "Roll Out" Your Future-214A2, "Goal Out" My Future Letter-214A3, "Goal Out" My Future Letter Rubric-214B1, Pursuit of Happyness Active Learning Tool-3042
Assessment: Goal Setting -214A6
- Interpret the role of goal setting as an integral part of financial planning
- Construct a well-written goal
Participation: "Roll Out" Your Future-214A2, "Goal Out" My Future Letter-214A3, "Goal Out" My Future Letter Rubric-214B1, Pursuit of Happyness Active Learning Tool-3042
Assessment: Goal Setting -214A6
Unit 1 - Assessment:
- Multiple Choice Test-15 questions
- A Collage of My Life-215B1
Unit 2 - Managing Your Money
Introduction to Depository Institutions
Objectives:
Participation: Agree or Disagree-221A2, Josie's Depository Institution Comparison Chart 221A3, Depository Institution Advertisement-221B1 or Financial Facts Family Feud-3.0.19K1
Assessment: What do You Know about Depository Institutions-221A5
- Analyze the benefits of using a depository institution
- Research services offered by different depository institutions
- Summarize factors to consider when choosing a depository institution
Participation: Agree or Disagree-221A2, Josie's Depository Institution Comparison Chart 221A3, Depository Institution Advertisement-221B1 or Financial Facts Family Feud-3.0.19K1
Assessment: What do You Know about Depository Institutions-221A5
The Basics of Taxes
Objectives:
Participation:The Basics of Taxes Scavenger Hunt-F1, The Basics of Taxes Note-taking Guide-L1, True or False Active Learning Tool-3012K1
Assessment: The Basics of Taxes-A1
- Identify the purpose of taxes
- Differentiate between the types of taxes
Participation:The Basics of Taxes Scavenger Hunt-F1, The Basics of Taxes Note-taking Guide-L1, True or False Active Learning Tool-3012K1
Assessment: The Basics of Taxes-A1
Statement of Financial Position
Objectives:
Participation:Statement of Financial Position Note Taking Guide-223L1, Tori's Statement of Financial Position-223A2, Net Worth Knowledge-223A3
Assessment: Cody's Statement of Financial Position-223A4, Chuck and Wendy's Statement of Financial Position-223A5, Ed and Mary's Statement of Financial Position-223A6, Statement of Financial Position Template-223E2 or E3
- Describe the importance of net worth
- Compare the difference between income and net worth
- Explain why a statement of Financial Position is an important financial planing tool
- Create a Statement of Financial Position
Participation:Statement of Financial Position Note Taking Guide-223L1, Tori's Statement of Financial Position-223A2, Net Worth Knowledge-223A3
Assessment: Cody's Statement of Financial Position-223A4, Chuck and Wendy's Statement of Financial Position-223A5, Ed and Mary's Statement of Financial Position-223A6, Statement of Financial Position Template-223E2 or E3
Income and Expense Statement
Objectives:
Participation:Income and Expense Statement Note-taking Guide-224L1, Income and Expense Statement Template-2224E2 or E3, Evan's Income and Expense Statement-224A1, Fued Questions for Income and Expense Statement-3019K2
Assessment: Claire's Income and Expense Statement-224A3
- Evaluate the purpose and Income and Expense Statement
- Identify sources of income individuals have
- Explore typical expenses individuals have
- Create an Income and Expense Statement
Participation:Income and Expense Statement Note-taking Guide-224L1, Income and Expense Statement Template-2224E2 or E3, Evan's Income and Expense Statement-224A1, Fued Questions for Income and Expense Statement-3019K2
Assessment: Claire's Income and Expense Statement-224A3
Spending Plans
Objectives:
Participation: Spending Plan Note Taking Guide-225L1, The Brown Family-225A1, Spending Plan Excel Template-225E3, Letter of Advice for the Brown Family Rubric-225B1
Assessment: Spending Plans-225A3
- Compare the differences between a statement of financial position, income and expense statement, and spending plan.
Participation: Spending Plan Note Taking Guide-225L1, The Brown Family-225A1, Spending Plan Excel Template-225E3, Letter of Advice for the Brown Family Rubric-225B1
Assessment: Spending Plans-225A3
Unit 2 Assessment
- Multiple Choice Test - 29 Questions
- My Money Management Guide -226
- My Money Management Guide Rubric - 226B1
Unit 3 - Earning
Invest in Yourself
Objectives:
Participation:Invest in Yourself Note-taking Guide-231L1, Developing Transferable Skills Round Robin Cards-231G1, Anthony's Human Capital-231A1, My Human Capital Quote-231A3
Assessment: My Transferable Skills-231A4
- Describe the difference between job, occupation, and career
- Compare the relationship between income and education level
- Analyze the effect of human capital on career development
- Identify the importance of developing transferable skills
Participation:Invest in Yourself Note-taking Guide-231L1, Developing Transferable Skills Round Robin Cards-231G1, Anthony's Human Capital-231A1, My Human Capital Quote-231A3
Assessment: My Transferable Skills-231A4
Career Exploration
Objectives:
Participation:Occupation Perceptions-232H1, Career Exploration Note Taking Guide-232L1, Occupation Characteristics-232A2, Occupation Research-232A3
Assessment: Occupation Research Presentation-232B1
- Prioritize potential occupations based upon results of a career assessment
- Research potential occupations
- Assess if the characteristics of an occupation will support high-well-being
- Develop a short-term career goal and long-term career goal
Participation:Occupation Perceptions-232H1, Career Exploration Note Taking Guide-232L1, Occupation Characteristics-232A2, Occupation Research-232A3
Assessment: Occupation Research Presentation-232B1
Objectives:
Participation: Imani's Time Management Skills-233A1, Being Well-Rounded Discussion Activity Piece-233H1, Do I have the Right Habits-233A2
Assessment: My Personal Higher Education Application Timeline - 233A5
- Describe benchmarks in the higher education application process
- Analyze personal remediation needs and options
- Consider the financial implications of switching majors and/or colleges once enrolled
Participation: Imani's Time Management Skills-233A1, Being Well-Rounded Discussion Activity Piece-233H1, Do I have the Right Habits-233A2
Assessment: My Personal Higher Education Application Timeline - 233A5
Objectives:
Participation: News Article on rising cost of post-secondary education, Planning for Higher Education Note Taking Guide-234L1, Imani's Higher Education Planning-234A1, Planning for Higher Education-234A2
Assessment: My Career Planning-234A3
- Develop short-term and long-term academic and personal goals
- Compare higher education options (Associates, Bachelors, Masters, Doctorate, certificate programs, apprenticeship) and cost for a specific career
- Compare the opportunity cost of income earning potential to the potential debt incurred for career training and preparation.
Participation: News Article on rising cost of post-secondary education, Planning for Higher Education Note Taking Guide-234L1, Imani's Higher Education Planning-234A1, Planning for Higher Education-234A2
Assessment: My Career Planning-234A3
Objectives:
- Calculate the approximate cost of higher education necessary for a specific career
- Compare funding sources (federal, state, college and private) available to pay for higher education
- Evaluate eligibility requirements for the FAFSA
- Identify resources available to assist you and your family during the FAFSA application process
- Recognize loan repayment requirements
Participation: Paying for Higher Education Scavenger Hunt 235A1, You Can Afford College 235A2, Imani’s Potential Scholarships 235A3,Scholarship Website Search Group Cards 235H1, Imani’s FAFSA Forecaster 235A4, FAFSA: Agree or Disagree 235A5, Paying for Higher Education 235A6, My Scholarship Search 235A8
Assessment:Spread the Word PSA Planning Guide 235A10, Spread the Word PSA Rubric 235B1
Objectives:
Participation: Mia: Deal or No Deal?-237A1, Lifelong Employment Note-taking Guide-237L1, Lifelong Employment-237A2,
Assessment: Alexander's Job Offers-237A4
- Analyze factors to evaluate when considering a job offer
- Evaluate the impact of lifelong learning on one's ability to function effectively in a diverse and changing economy
Participation: Mia: Deal or No Deal?-237A1, Lifelong Employment Note-taking Guide-237L1, Lifelong Employment-237A2,
Assessment: Alexander's Job Offers-237A4
Objectives:
Participation: Getting Paid Note Taking Guide-239L1, Form W-4, Getting Paid Math-239A1
Assessment: Getting Paid Reinforcement Worksheet-239A2
- Compare different methods of employee payment
- Analyze wage deductions
- Interpret a pay stub
- Explain how being employed provides additional benefits to wages earned
Participation: Getting Paid Note Taking Guide-239L1, Form W-4, Getting Paid Math-239A1
Assessment: Getting Paid Reinforcement Worksheet-239A2
Unit 3 Assessment
- Multiple Choice Test - 41 Questions
- Career Path Interview Questionnaire-2310A1
- Career Profile-2310A2
- What Can I Be Doing Today-2310A3
- Career Path Interview Essay Rubric-2310B1
Unit 4 - Receiving
Objectives:
Participation: Caveperson Activity, Receiving from Family, Friends, and Non-Profits Note Taking Guide-252L1, SPENT game 252A1
Assessment: Receiving from Government Scenario Creation 253A4
- Examine how social capital contributes to well-being
- Identify the benefits of receiving form family, friends, and non-profits
- Explore how giving enhances an individual social capital
Participation: Caveperson Activity, Receiving from Family, Friends, and Non-Profits Note Taking Guide-252L1, SPENT game 252A1
Assessment: Receiving from Government Scenario Creation 253A4
Objectives:
Participation: What if...Life Event Activity Card 253H1, Laura's Story Scenario 253E2, Income and Expense Statement for Laura 253E3, Laura Questions at the end of the Powerpoint, Calvin's Story 253E4, Income and Expense Statement for Calvin 253E5, Calvin Reflection Questions 253A3
Assessment: Receiving from the Goverment Scenario Creation 253A5, Receiving from the Government Scenario Creation Outline 253A6
- Identify government programs from which individuals in need can receive income support
- Analyze how many programs are designed to provide income safety nets for temporary situations
- Evaluate the different ways government programs are funded
- Explain how employment benefits individuals and families who receive government benefits
Participation: What if...Life Event Activity Card 253H1, Laura's Story Scenario 253E2, Income and Expense Statement for Laura 253E3, Laura Questions at the end of the Powerpoint, Calvin's Story 253E4, Income and Expense Statement for Calvin 253E5, Calvin Reflection Questions 253A3
Assessment: Receiving from the Goverment Scenario Creation 253A5, Receiving from the Government Scenario Creation Outline 253A6
Unit 5 - Saving and Investing
Objectives:
Participation: My Saving Quest 241A1, Take a Chance Tracking-241A2,
Assessment: Choose to Save-241A3
- Evaluate the importance of saving money
- Assess the importance of developing financial goals when saving money
- Analyze the trade-offs and opportunity costs when saving money
- Implement the pay yourself first strategy
- Summarize the time value of money concept
- Identify the benefits of compounding interest on savings
Participation: My Saving Quest 241A1, Take a Chance Tracking-241A2,
Assessment: Choose to Save-241A3
Objectives:
Participation: Savings Tools Note Taking Guide-243L1,
Assessment: Letter To Jane-243A3, Letter to Jane Rubric-243B2
- Compare the characteristics of savings tools
- Analyze which savings tools are appropriate for reaching different financial goals
Participation: Savings Tools Note Taking Guide-243L1,
Assessment: Letter To Jane-243A3, Letter to Jane Rubric-243B2
Objectives:
Participation: Life Events Activity, Your Life Your Money video - Saving For Retirement Section, Fundamentals of Investing Note-taking guide-244L1, Risk Tolerance Quiz
Assessment: Fundamentals of Investing Reinforcement Worksheet-244A2
- Compare saving and investing
- Analyze the relationship between risk and return
- Distinguish between the most common types of investments
- Choose methods that can be used to assist with investment risk reduction
- Compare a full-service brokerage firm and a discount brokerage firm
- Analyze the pros and cons of utilizing a financial advisor at a full-service brokerage firm
- Assess the value of tax-advantaged investments
- Explore the most common retirement plans
Participation: Life Events Activity, Your Life Your Money video - Saving For Retirement Section, Fundamentals of Investing Note-taking guide-244L1, Risk Tolerance Quiz
Assessment: Fundamentals of Investing Reinforcement Worksheet-244A2
Unit 5 Assessment
- It's My Life Plan 2.4.6.A1
- Saving Tools Multiple Choice Test
Unit 6 - Spending
Objectives:
Lecture Notes: Credit Reports and Scores Information Sheet 2.6.1.F1, Credit Reports and Scores Powerpoint Presetnation 2.6.1.G1
Participation: News Headline 3.0.54, Isabella Langley Story and Credit Report 2.6.1.E2, What You Do Makes a Difference Activity - 2.6.1H1, Credit Reports and Scores worksheet 2.6.1A1
Assessment: Credit Reports and Scores Jingle Rubric 2.6.1.B1
- Summarize the information included in a credit report
- Explain how a credit score is calculated
- Compare a credit score and a credit report
- Evaluate the consequences of having negative credit history
- Recommend strategies for developing a positive credit history
- Explain how to obtain credit reports and credit scores
- Describe steps to correct a mistake on a credit report
Lecture Notes: Credit Reports and Scores Information Sheet 2.6.1.F1, Credit Reports and Scores Powerpoint Presetnation 2.6.1.G1
Participation: News Headline 3.0.54, Isabella Langley Story and Credit Report 2.6.1.E2, What You Do Makes a Difference Activity - 2.6.1H1, Credit Reports and Scores worksheet 2.6.1A1
Assessment: Credit Reports and Scores Jingle Rubric 2.6.1.B1
Objectives:
Lecture Notes: Integrating Music Active Learning Tool 3.0.49, Credit Basics Information Sheet 2.6.2.F1, Credit Basics Powerpoint Presentation
Participation: Analyze that Tune! 3.0.49.A1, Alternative Lending Hazards 2.6.2.A1, Big Bling Card Agreement and Disclosure 2.6.2.E2, Which is the Best Deal? 2.6.2.A3,
Assessment: Credit Basics 2.6.2.A4
- Compare difference types of credit
- Analyze strategies for responsible credit use
- Identify the major steps involved with obtaining credit
- Recommend how to choose credit terms that best fit particular needs
Lecture Notes: Integrating Music Active Learning Tool 3.0.49, Credit Basics Information Sheet 2.6.2.F1, Credit Basics Powerpoint Presentation
Participation: Analyze that Tune! 3.0.49.A1, Alternative Lending Hazards 2.6.2.A1, Big Bling Card Agreement and Disclosure 2.6.2.E2, Which is the Best Deal? 2.6.2.A3,
Assessment: Credit Basics 2.6.2.A4
Obejctives:
Participation: Home Talk 2.6.3.A3
Assessment: Understanding Credit Cards 2.6.3.A4
- Summarize the basic functions of a credit cards
- Assess the benefits of a credit card if managed responsibly
- Analyze a credit card offer
- Analyze a credit card statement
Participation: Home Talk 2.6.3.A3
Assessment: Understanding Credit Cards 2.6.3.A4
Objectives:
Lecture Notes: Protecting Yourself from Fraud Informational Sheet 2.6.4.F1, Protecting Yourself from Fraud Powerpoint 2.6.4.G1, Protecting Yourself from Fraud Informational Sheet 2.6.4.F1, Solve the Mystery for Lucy Clue Cards 2.6.4.H3, The Fraud Mystery 2.6.4.H1 and H2
Participation: My Fraud Risk 2.6.4.A1, Protecting Yourself from Fraud Note Taking Guide 2.6.4.L1, Solve the Mystery for Lucy Activity 2.6.4.J1,Catch Me if You Can Learning Tool 3.0.40
Assessment: Protecting Yourself From Fraud 2.6.4.A3
- Explain the risks associated with fraud
- Summarize the main types of fraud
- Identify how fraud occurs
- Describe how government agencies help protect from fraud
- Apply guidelines for fraud protection
- Recommend steps for fraud victims to take
Lecture Notes: Protecting Yourself from Fraud Informational Sheet 2.6.4.F1, Protecting Yourself from Fraud Powerpoint 2.6.4.G1, Protecting Yourself from Fraud Informational Sheet 2.6.4.F1, Solve the Mystery for Lucy Clue Cards 2.6.4.H3, The Fraud Mystery 2.6.4.H1 and H2
Participation: My Fraud Risk 2.6.4.A1, Protecting Yourself from Fraud Note Taking Guide 2.6.4.L1, Solve the Mystery for Lucy Activity 2.6.4.J1,Catch Me if You Can Learning Tool 3.0.40
Assessment: Protecting Yourself From Fraud 2.6.4.A3
Types of Insurance
Objectives:
Lecture Notes: Video Clip, Types of Insurance Powerpoint 2.6.5G1, Types of Insurance Information Sheet 2.6.5.F1,
Participation: Spoons Active Learning Tool 3.0.5.53, Insurance Activity Cards 2.6.5.H2 (don't print)
Assessment: Damon Goes to the Hospital 2.6.5.E2, Damon Goes to the Hospital Reflection 2.6.5.A3
- Explain the relationship between risk and insurance
- Identify how insurance is a form of income to help cover financial losses when unexpected events occur.
- Define common insurance terms
- Evaluate the sources which provide insurance
- Analyze the risks covered by each type of insurance
Lecture Notes: Video Clip, Types of Insurance Powerpoint 2.6.5G1, Types of Insurance Information Sheet 2.6.5.F1,
Participation: Spoons Active Learning Tool 3.0.5.53, Insurance Activity Cards 2.6.5.H2 (don't print)
Assessment: Damon Goes to the Hospital 2.6.5.E2, Damon Goes to the Hospital Reflection 2.6.5.A3
Smart Consumer Spending
Objectives:
Lecture Notes: Smart Consumer Spending Information Sheet 2.6.6.F1, Smart Consumer Spending Powerpoint 2.6.6.G1,
Participation: Store vs. name Brand Challenge 2.6.6.A1,Smart Consumer Note Taking Guide 2.6.6.L1, Investing in Product Research 2.6.6.A2
Assessment: My Planned Buying Process 2.6.6.A4
- Apply the planned buying process
- Distinguish between needs and wants to prioritize spending
- Identify the difference between consumable and durable good
- Calculate the cost per use and total cost of ownership
Lecture Notes: Smart Consumer Spending Information Sheet 2.6.6.F1, Smart Consumer Spending Powerpoint 2.6.6.G1,
Participation: Store vs. name Brand Challenge 2.6.6.A1,Smart Consumer Note Taking Guide 2.6.6.L1, Investing in Product Research 2.6.6.A2
Assessment: My Planned Buying Process 2.6.6.A4
Major Expenditures
Objectives:
Participation: Sample Rental Agreement 2.6.7E2, Rental Agreement Checklist 2.6.7A1, True or False Active Learning Tool 3.0.12, Musical Chairs Active Learning Tool 3.0.23.A2
Assessment: Finding a Rental 2.6.7.A5
- Examine ways to maintain food budget adequate to income
- Compare the advantages and disadvantages to renting and owning a home
- Identify the total cost of ownership for housing and transportation
- Apply the planned process to major expenditures
Participation: Sample Rental Agreement 2.6.7E2, Rental Agreement Checklist 2.6.7A1, True or False Active Learning Tool 3.0.12, Musical Chairs Active Learning Tool 3.0.23.A2
Assessment: Finding a Rental 2.6.7.A5
Unit 6 - Assessment