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UnitCLO
State curriculum standards
5
1
Financial Behavior and Economic Factors
6
1
Understand the importance of financial literacy in the context of overall economy.
7
1.1
Understand how basic economic principles affect personal financial choices
8
1.2
Analyze different economic systems and how they impact personal financial choice, wealth generation, and economic freedom
9
2.1
Analyze the role of emotional, cultural, and social influences on financial behavior
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11
2
Values, Goals, and the Planning Process
12
2
Identify the benefits of a properly designed personal financial plan and be able to discuss its relationship to economic conditions and personal goals
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14
3
Budgeting and Financial Plans
15
2
Identify the benefits of a properly designed personal financial plan and be able to discuss its relationship to economic conditions and personal goals.
16
3
Construct and implement a well-planned personal financial plan.
17
4
Explain the techniques of successful budgeting and asset management including the meaning and purpose of specific financial statements and records
18
5.1
Indentify and explain the process of budgeting based on projected income and expenses.
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4
Making Smart Purchase Decisions
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7
Explain the factors that influence the availability of financial services. List the types of services and products offered by financial institutions are commoly used by consumers
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8
Discuss factors that influence consumer-buying decisions and identify strategies for effective purchasing
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9
Describe basic consumer rights and responsibilities
24
2.2
Define a rational decision-making process
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5.5
Define rights and responsibilities of buyers and sellers under consumer protection laws
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5
Cash, Savings, Credit, and Debt
28
5
Discuss the advantages and disadvantages of different types of checking accounts and savings plans
29
6
Identify the types of credit available to consumers and be able to discuss the pros and cons of using credit versus savings and cash when purchasing consumer goods
30
10
Discribe the role of planned borrowing in personal financial management
31
4.1
Describe and discuss financial institutions, and demonstrate how to manage personal financial accounts
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4.2
Discuss the pros and cons of saving.
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5.2
Describe and discuss the impact of credit and debt on personal money management
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5.3
Explain and understand credit reports and the significance of scores
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Making Large Purchase Decisions (e.g., Buying a Home or Car)
37
5.4
Understand the importance and complications of the three big expenses: housing, cars, and education.
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Career Planning
40
3.1
Identify sources of income and specific employability skills.
41
3.2
Understand and begin preparation for post-secondary training and career.
42
5.4
Understand the importance and complications of the three big expenses: housing, cars, and education.
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8
Insurance and Risk Management
45
7
Explain the factors that influence the availability of financial services. List the types of services and products offered by financial institutions are commoly used by consumers
46
4.4
Understand the role of risk management in asset protection
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48
9
Investing
49
4
Explain the techniques of successful budgeting and asset management including the meaning and purpose of specific financial statements and records
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4.3
Discuss the risks and returns of investing.
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Taxes and Other Withholdings
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2
Identify the benefits of a properly designed personal financial plan and be able to discuss its relationship to economic conditions and personal goals.
54
3.1
Identify sources of income and specific employability skills.
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11
Retirement and Estate Planning
57
2
Identify the benefits of a properly designed personal financial plan and be able to discuss its relationship to economic conditions and personal goals.
58
3
Construct and implement a well-planned personal financial plan.
59
4.3
Discuss the risks and returns of investing.
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61
12
Bringing It All Together
62
2
Identify the benefits of a properly designed personal financial plan and be able to discuss its relationship to economic conditions and personal goals
63
3
Construct and implement a well-planned personal financial plan.
64
4
Explain the techniques of successful budgeting and asset management including the meaning and purpose of specific financial statements and records
65
5
Discuss the advantages and disadvantages of different types of checking accounts and savings plans
66
6
Identify the types of credit available to consumers and be able to discuss the pros and cons of using credit versus savings and cash when purchasing consumer goods
67
3.2
Understand and begin preparation for post-secondary training and career.
68
4.4
Understand the role of risk management in asset protection
69
4.3
Discuss the risks and returns of investing.
70
5.1
Indentify and explain the process of budgeting based on projected income and expenses.
71
5.2
Describe and discuss the impact of credit and debt on personal money management
72
5.4
Understand the importance and complications of the three big expenses: housing, cars, and education.
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