|
Month |
Content/Topic |
Skills |
Assessment |
Standards |
|
September |
Course Overview
Values, Needs and. Wants
Financial goals
Career Development
|
Outline of course
Difference between a need and a want
Influences on personal financial decisions
Setting and writing financial goals
Effects of financial goals on personal life
Outline SMART goals
Analyze conditions that may affect one’s financial situation throughout the life cycle
Identify financial needs throughout the life cycle
Assess career interest
Interpret personality mosaic
Evaluate careers with largest growth and decline rates for 2000-2010
Evaluate the main components of a potential career area
|
Montana Family Economics and Financial Education curriculum (FEFE)
Financial literacy pretest
Values auction
Needs vs. Wants Worksheet
Power Point notes
A Collage About Me
Financial goals activity sheet
Personal Life Cycle of Financial Planning worksheet
Interest inventory worksheet
Personality Mosaic evaluation
Career presentation Power Point
Career research worksheet
Job Search criteria worksheet
Comparing job offers work packet |
C1
A1, A2
C2
A1, A2, A3
C1, C2, C3
D3
E3
F2, F4
A1, A2, A3, A4
C1, C2, C3
D5
E4, E5
F2, F3, F4 |
|
September |
|
Define human capital and why it is important for career development
Note the relationship between educational level and income
Evaluate the traits of successful workers
Explore job search places
Recognize the importance of career planning, salaries and benefits
Compare salaries in different cities using the cost of living equation
|
|
|
|
October |
Paychecks & Tax Forms
Spending Plans
Savings
|
Demonstrate a knowledge of terms associated with a paycheck
Understand the systemic deductions removed from each paycheck
Complete standard tax forms required on the job
Demonstrate how to read a paycheck
Understand the components of a spending plan
Review financial goals and how they can be met by a spending plan
Analyze the spending plan process
Create a spending plan
Evaluate a monthly spending plan compared to actual monthly expenses
Differentiate between saving and investing
List reasons to save
Define the 70-20-10 rule
Understand the time value of money
|
Paycheck Stub worksheet
Understanding your paycheck worksheet
Completed tax forms
Where Did All the Earnings Go? - activity
Katie Cole’s spending plan evaluation worksheet
Individual spending plan
Spending Plan 101 worksheet
Savings vs. Investing Worksheet
Time Value of Money worksheet
Financial calculators proficiency
Managing Your Cash activity
Savings Terminology Assessment |
C1, C2, C3
E3, E4
F4
A2, A3
C2, C3
D2
E4
F4
A2, A3
C2, C3
D2
E4
F4 |
|
October
November |
Investing
Housing – Renting vs. Owning
|
Understand how interest works
Define and use common terminology used with savings and investing
Explain the importance of cash management
Describe the five tools used in cash management
Categorize the characteristics of cash management tools
Define the terms related to investing
Explain the language of the stock market
Simulate the process of investing
Determine the factors involved in renting
Determine the factors involved with home ownership
Evaluate the advantages and disadvantages of renting and owning a home
Compare the monthly expenses of renting and owning a home
|
Investment simulation
Guest speaker report
Investing Your Money worksheet
Housing Comparison worksheet
Terms Involved Word Search
Rental Search Checklist Reading Living Space Advertisement
How to Locate a Living Space worksheet
Securing a Living Space worksheet
Securing a Living Space Quiz
Lease Sample checklist
Sample lease
|
C3
F4
A1, A2, A3, A4
B4
C1 C2, C3
E2, E5
F4 |
|
November |
Shopping for an Automobile |
Identify reasons which influence the decision to rent or own a home
Recognize features in a living space
Identify the types of available housing alternatives
Determine how to locate a living space
Interpret abbreviations in a living space advertisement
Recognize the variety of forms for rental agreements
Identify the components in a lease agreements
Define security deposit
Determine the importance o renters insurance
Compare different variables which affect the cost of an automobile loan
Review consumer rights as defined in the Truth-in-Lending Act
Practice how to calculate the cost of an automobile loan
Compare loan/finane agreements for |
Automobile Loans – What Do I Need to Know? Worksheet
Calculating the Cost of a Loan worksheet
Shopping for an Automobile Loan – Web Sites worksheet
What’s the Best Deal? Game
Auto Insurance Review worksheet
Specifics of Auto Insurance worksheet |
A2, A3
B4
C2, C3
D3
E3, E5
F4
|
|
November |
Evaluation of convenience |
Compare loan/finance agreements for automobiles
Define basic automobile insurance terms and coverage
Identify the factors affecting insurance rates
Differentiate between the different types of coverage
Compare the value of time when using convenience foods versus making products from scratch
Evaluate the quality of a product presented in convenience form versus made from scratch
Explain the variety of preparation methods available for products
Examine various ways to maintain a food budget adequate to income
Develop a shopping list based upon a weekly meal plan and budget
Identify ways to grocery shop within a specified budget
Discover ways to save money when grocery shopping |
worksheet
Personal auto loan/insurance research project
Time management worksheet
Cost Analysis worksheet
An Evaluation of Convenience Class Activity worksheet
Make Me a Millionaire Cookie Recipe worksheet
An Evaluation of Brands worksheet
Personal food budget project
Menu Planning worksheet
Food plan scenario cards
|
A!, A2, A3, A4
B4
C1, C2, C3
E3, E5
F4 |
|
December |
Financial Institutions
Credit |
Describe the different types of financial institutions
Identify the benefit of financial institutions different
Explain the services offered by financial institutions
Compare financial institutions
Describe electronic banking
Define the different types of electronic banking
Understand safety issues associated with using ATM and debt cards
Compare installment and noninstallment credit
Identify the advantages and disadvantages of using credit
Compare the types of credit cards
Define credit card terminology
Use a Schumer Box to compare credit card offers
Analyze a credit card bill
|
Financial Institutions review worksheet
Financial Institutions Game
Guest speaker report
E-banking Word Challenge
Electronic banking worksheet
Scenarios worksheet
Advantages and disadvantages of credit scenario worksheet
Advantages and Disadvantages of Using Credit Game
Comparison Shopping for a Credit Card worksheet
Personal credit card choice essay
Selecting a Credit Card worksheet
Credit Card 101 game
Understanding Credit Reports worksheet
Credit Reports worksheet |
A2, A3
C3
E2, E3, E5
F4
A1, A2, A3, A4
B4
C1, C2, C3
E3, E5
F4 |
|
December |
Identity Theft |
Review safety tip when using credit cards
Understand the elements of a credit report
Implement positive strategies to develop a positive credit report
Describe steps to correct a mistake on a credit report
Describe how a credit score affects interest rates and credit availability for a consumer
Develop skills necessary to prevent identity theft
Understand how identity theft can ruin financial resources
Develop skills necessary to prevent the theft of credit cards
|
Protecting Your Identity worksheet
Identity Theft Scenario cards |
A1, A2, A3, A4
C1, C2, C3
D2
E3
F4 |
|
January |
Insurance
Final Assessment |
Understand how stolen credit cards are used illegally
Develop skills necessary to limit losses incurred by fraudulent use of credit cards
Develop skills necessary for safe use of credit cards on the Internet
Outline types of insurance available
Determine insurance needs of various groups
Project personal insurance needs
|
Personal insurance plans
Assessment |
A1, A2, A3
B4
C2, C3
E3, E5
F4 |
