GATEWAY GROUP CURRICULUM OVERVIEW
Grade 4
Social Studies
Personal Financial Literacy | ||||
21st Century Life and Careers 9.1 Personal Financial Literacy This standard outlines the important fiscal knowledge, habits, and skills that must be mastered in order for students to make informed decisions about personal finance. Financial literacy is an integral component of a student's college and career readiness, enabling students to achieve fulfilling, financially-secure, and successful careers. Focus of this Unit:
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NJ STUDENT LEARNING STANDARDS | ||||
9.1.4.A.1 Explain the difference between a career and a job, and identify various jobs in the community and the related earnings. 9.1.4.A.2 Identify potential sources of income. 9.1.4.A.3 Explain how income affects spending and take-home pay. 9.1.4.B.1 Differentiate between financial wants and needs. 9.1.4.B.2 Identify age-appropriate financial goals. 9.1.4.B.3 Explain what a budget is and why it is important. 9.1.4.B.4 Identify common household expense categories and sources of income. 9.1.4.B.5 Identify ways to earn and save. 9.1.4.C.1 Explain why people borrow money and the relationship between credit and debt. 9.1.4.C.2 Identify common sources of credit (e.g., banks, credit card companies) and types of credit (e.g., loans, credit cards, mortgages). 9.1.4.C.3 Compare and contrast credit cards and debit cards and the advantages and disadvantages of using each. 9.1.4.C.4 Determine the relationships among income, expenses, and interest. 9.1.4.C.5 Determine personal responsibility related to borrowing and lending. 9.1.4.C.6 Summarize ways to avoid credit problems 9.1.4.D.1 Determine various ways to save. 9.1.4.D.2 Explain what it means to “invest.” 9.1.4.D.3 Distinguish between saving and investing. 9.1.4.E.1 Determine factors that influence consumer decisions related to money. 9.1.4.E.2 Apply comparison shopping skills to purchasing decisions. 9.1.4.F.1 Demonstrate an understanding of individual financial obligations and community financial obligations. 9.1.4.F.2 Explain the roles of philanthropy, volunteer service, and charitable contributions, and analyze their impact on community development and quality of living. 9.1.4.G.1 Describe how valuable items might be damaged or lost and ways to protect them. | ||||
Essential Questions | ||||
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Income and Careers | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-Difference between a career and a job, and the various jobs in a community and the related earnings. - Potential sources of income within a community. -Income affects spending and take-home pay. | - Explain the difference between a career and a job, and identify various jobs in the community and the related earnings. - Identify potential sources of income. - Explain how income affects spending and take-home pay. | |||
Money Management | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-Differences between financial wants and needs. -Age-appropriate financial goals. -What a budget is and why it is important. -Common household expense categories and sources of income. -Ways to earn and save. | -Identify and compare differences between financial wants and needs. - Identify age-appropriate financial goals. -Explain what a budget is and why it is important. -Explain common household expense categories and sources of income. -Identify ways to earn and save. | |||
Credit and Debt Management | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-Why people borrow money and the relationship between credit and debt. -Common sources of credit and types of credit -Differences between credit cards and debit cards and the advantages and disadvantages of using each. -Basic relationships among income, expenses, and interest. -Responsibility related to borrowing and lending. -Ways to avoid credit problems | -Explain why people borrow money and the relationship between credit and debt. -Identify common sources of credit and types of credit -Compare and contrast credit cards and debit cards and the advantages and disadvantages of using each. -Determine the relationships among income, expenses, and interest. -Determine personal responsibility related to borrowing and lending. -Summarize ways to avoid credit problems | |||
Planning, Saving and Investing | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-Various ways to save. -What it means to “invest.” -Difference between saving and investing. | -Determine various ways to save. -Explain what it means to “invest.” -Distinguish between saving and investing. | |||
Becoming a Critical Consumer | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-Factors that influence consumer decisions related to money. -Comparison shopping skills to purchasing decisions. | -Determine factors that influence consumer decisions related to money. -Apply comparison shopping skills to purchasing decisions. | |||
Civic Financial Responsibility | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-Differences betweenindividual financial obligations and community financial obligations. -Roles of philanthropy, volunteer service, and charitable contributions, and analyze their impact on community development and quality of living. | -Demonstrate an understanding of individual financial obligations and community financial obligations. -Explain the roles of philanthropy, volunteer service, and charitable contributions, and analyze their impact on community development and quality of living. | |||
Insuring and Protecting | ||||
Core Content/Objectives | Instructional Actions | |||
Concepts What students will know | Skills What students will be able to do | Activities/Strategies Learning Activities/ Differentiation Interdisciplinary Connections | Assessment How learning will be assessed | |
-How valuable items might be damaged or lost and ways to protect them. | -Describe how valuable items might be damaged or lost and ways to protect them. | |||
Evidence of Learning | ||||
Assessment:
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Equipment Needed: | Teacher Resources: |
Modifications/Accommodations | |||
IEPs |
| 504s |
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ELLs |
| G/T |
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At-Risk Failure |
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Interdisciplinary Connections | Career Ready Practices | 9.2 Career Awareness, Exploration, and Preparation |
8.1 Educational Technology: All students will use digital tools to access, manage, evaluate, and synthesize information in order to solve problems individually and collaborate and to create and communicate knowledge. LA.4.RF.4.3.A Use combined knowledge of all letter-sound correspondences, syllabication patterns, and morphology (e.g., roots and affixes) to read accurately unfamiliar multisyllabic words in context and out of context. LA.4.RF.4.4.A Read grade-level text with purpose and understanding.. LA.4.RF.4.4.C Use context to confirm or self-correct word recognition and understanding, rereading as necessary. |
| By the end of 4th grade,
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Grade 4 - -