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Students will develop attitudes and skills to achieve personal financial wellness. They will learn the implications of sound financial decision making, appropriate use of credit, adequate insurance and their impact on personal and workplace financial wellness. Students will learn the inter-relationships between values, spending decisions, income and education. They will be able to use and evaluate technology for financial purposes, avoiding financial fraud. They will address public policy as it relates to family financial well-being.
Advanced Benchmark: Demonstrate Personal Financial Literacy
Advanced Benchmark A: Choose resources to meet individual, family and business financial goals.
Descriptor:
1. Differentiate among income and expenses including:
Types of income (e.g., earnings, gifts, inheritance, interest);
Types of expense (e.g., food, shelter, clothing, transportation, health care).
2. Prioritize needs and wants based on values and goals namely:
Types of values (e.g., aesthetic, intellectual, economic);
Short- and long-term financial goals for self, family, and workplace;
Goal-setting characteristics (i.e., specific, measurable, achievable, realistic, time-oriented [SMART]).
3. Devise a spending plan for fixed, flexible and periodic expenses.
4. Examine the impact inflation, recession, and national and world crises on financial planning.
5. Examine attitudes and behaviors that lead to financial satisfaction.
6. Evaluate employment opportunities related to wages and benefits.
Correlated Mathematics Academic Content Benchmarks
Use recursive functions to model and solve problems; e.g., home mortgages, annuities. (Patterns, Functions and Algebra C, 11-12)
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Assess the adequacy and reliability of information available to solve a problem. (Mathematical Processes C, 11-12)
Correlated Social Studies Academic Content Benchmarks
Analyze how scarcity of productive resources affects supply, demand, inflation and economic choices. (Economics A, 11-12)
Identify factors which inhibit or spur economic growth and cause expansions or recessions. (Economics B, 11-12)
Explain the use of a budget in making personal economic decisions and planning for the future. (Economics E, 11-12)
Advanced Benchmark B: Evaluate financial institutions and services to meet valued ends.
Descriptor:
1. Establish criteria to evaluate various financial services including:
Types of savings and investing accounts;
Types of checking, credit and debit accounts;
On-line and electronic banking practices;
Fraud or identity protection;
Retirement investments.
2. Evaluate alternatives for financing postsecondary education (e.g., student loans, home equity loans, vouchers, grants, scholarships, employee tuition reimbursement programs).
3. Evaluate finance company practices (e.g., franchises charging high interest, rent-to-own, payday lenders).
4. Compare investment opportunities for financial health (e.g., stockbrokers, financial advisors, online investments, mutual funds).
5. Distinguish time value of money related to borrowing and saving.
6. Evaluate fraudulent practices that might impact financial stability.
Correlated English Language Arts Academic Content Benchmarks
Use multiple resources to enhance comprehension of vocabulary. (Acquisition of Vocabulary F, 8-10; Acquisition of Vocabulary E, 11-12)
Analyze the features and structures of documents and critique them for their effectiveness. (Reading Applications: Informational, Technical and Persuasive Text A, 11-12)
Correlated Mathematics Academic Content Benchmarks
Use algebraic representations, such as tables, graphs, expressions, functions and inequalities, to model and solve problem situations. (Patterns, Functions and Algebra D, 8-10)
Analyze and compare functions and their graphs using attributes, such as rates of change, intercepts and zeros. (Patterns, Functions and Algebra E, 8-10)
Use recursive functions to model and solve problems; e.g., home mortgages, annuities. (Patterns, Functions and Algebra C, 11-12)
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Assess the adequacy and reliability of information available to solve a problem. (Mathematical Processes C, 11-12)
Correlated Social Studies Academic Content Benchmarks
Analyze how scarcity of productive resources affects supply, demand, inflation and economic choices. (Economics A, 11-12)
Identify factors which inhibit or spur economic growth and cause expansions or recessions. (Economics B, 11-12)
Explain the use of a budget in making personal economic decisions and planning for the future. (Economics E, 11-12)
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark C: Predict changes in financial priorities needed to protect financial health through the family life cycle.
Descriptor:
1. Appraise needs of individuals and/or family members throughout the life cycle.
2. Determine causes of individual and family financial crisis (e.g., death, new job, relocation, loss of income, health problems, divorce, alimony, child support, birth, adoption).
3. Analyze retirement planning and pension options for workers (e.g., employment-related, personal preparation).
4. Compare reliable sources of information related to financial matters.
5. Prepare children to become financially literate.
6. Examine communication skills needed for understanding and participating in financial stability.
Correlated English Language Arts Academic Content Benchmarks
Demonstrate comprehension of print and electronic text by responding to questions (e.g., literal, inferential, evaluative and synthesizing). (Reading Process B, 8-10; Reading Process B, 11-12)
Evaluate the usefulness and credibility of data and sources and synthesize information from multiple sources. (Research C, 11-12)
Correlated Mathematics Academic Content Benchmarks
Analyze and compare functions and their graphs using attributes, such as rates of change, intercepts and zeros. (Patterns, Functions and Algebra E, 8-10)
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Assess the adequacy and reliability of information available to solve a problem. (Mathematical Processes C, 11-12)
Correlated Social Studies Academic Content Benchmarks
Analyze how scarcity of productive resources affects supply, demand, inflation and economic choices. (Economics A, 11-12)
Explain the use of a budget in making personal economic decisions and planning for the future. (Economics E, 11-12)
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark D: Assess use of credit and debt to meet personal and family financial goals.
Descriptor:
1. Differentiate characteristics needed to obtain credit worthiness (e.g., character, capacity, capital, collateral).
2. Calculate costs of credit for self or family (e.g., use of future income, debt ratio, finance charges on various credit accounts).
3. Investigate lending options for individuals and families (e.g., retail and bankcards, installment loans, home buying and mortgage loans, leasing contracts [auto and housing], consolidation loans).
4. Critique how credit reports, reporting agencies, and credit scores impact decisions (e.g., employment, interest rates on credit).
5. Monitor personal and financial information to reduce risk of identity theft through:
Financial statement inconsistencies;
Password strategies for protecting, handling, storing, and disposing of personal information;
Identity protection strategies.
6. Select strategies to build good credit scores.
Correlated English Language Arts Academic Content Benchmarks
Analyze the features and structures of documents and critique them for their effectiveness. (Reading Applications: Informational, Technical and Persuasive Text A, 11-12)
Compile, organize and evaluate information, take notes and summarize findings. (Research B, 11-12)
Correlated Mathematics Academic Content Benchmarks
Estimate, compute and solve problems involving real numbers, including ratio, proportion and percent, and explain solutions. (Number, Number Sense and Operations G, 8-10)
Write and solve real-world, multi-step problems involving money, elapsed time and temperature, and verify reasonableness of solutions. (Measurement F, 8-10)
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Connect statistical techniques to applications in workplace and consumer situations. (Data Analysis and Probability D, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Correlated Social Studies Academic Content Benchmarks
Explain the use of a budget in making personal economic decisions and planning for the future. (Economics E, 11-12)
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark E: Operationalize skills to manage conflict and/or stress related to financial issues.
Descriptor:
1. Develop positive communication skills for discussing financial matters (e.g., personal barriers to effective communication, active listening, constructive expression of emotions).
2. Utilize decision making to solve financial resource use issues and problems.
3. Resolve consumer concerns through verbal or written communication.
4. Identify factors that contribute to stress (e.g., lack of money, unexpected expenses, conflicts in values and goals).
5. Implement stress-reduction strategies (e.g., meditation, exercise, relaxation techniques).
Correlated English Language Arts Academic Content Benchmarks
Produce letters (e.g., business, letters to the editor, job applications) that follow the conventional style appropriate to the text and that include appropriate details and exclude extraneous details and inconsistencies. (Writing Applications C, 8-10) HYPERLINK "http://www.ohiorc.org:80/content_stds/ohio_stds/standards/?type=3&std=456&disc=3&page=1"
Use a variety of strategies to enhance listening comprehension. (Communication: Oral and Visual A, 8-10; Communication: Oral and Visual A, 11-12)
Select and use effective speaking strategies for a variety of audiences, situations and purposes. (Communication: Oral and Visual C, 11-12)
Correlated Mathematics Academic Content Benchmarks
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Apply mathematical modeling to workplace and consumer situations, including problem formulation, identification of a mathematical model, interpretation of solution within the model, and validation to original problem situation. (Mathematical Processes J, 11-12)
Correlated Social Studies Academic Content Benchmark
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark F: Determine impact of public policies on financial planning for self and family.
Descriptor:
1. Evaluate role of taxes (e.g., federal, state, local, social security, Medicare) in personal financial decisions.
2. Differentiate among additional deductions on wage earnings (e.g., retirement investments, professional dues, child support garnishments).
3. Investigate taxation methods used on assets (e.g., property taxes, capital gains, earnings on investments).
4. Identify community assets provided by public funds (e.g., public and private schools and postsecondary options, health clinics, student services, community groups and agencies).
Correlated Mathematics Academic Content Benchmarks
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Assess the adequacy and reliability of information available to solve a problem. (Mathematical Processes C, 11-12)
Correlated Social Studies Academic Content Benchmarks
Analyze the role of fiscal and regulatory policies in a mixed economy. (Economics D, 11-12)
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark G: Formulate techniques to prevent loss of assets.
Descriptor:
1. Compare strategies to insure against financial loss namely:
Employer-provided insurance coverage for health, dental, eye, prescription, and term life
insurance;
Supplemental insurance for health, life, auto, and home or property;
Costs versus benefits;
Comparisons of price and policy coverage.
2. Avoid predatory practices used by companies or producers to defraud consumers.
Correlated English Language Arts Academic Content Benchmarks
Demonstrate comprehension of print and electronic text by responding to questions (e.g., literal, inferential, evaluative and synthesizing). (Reading Process B, 8-10; Reading Process B, 11-12)
Identify examples of rhetorical devices and valid and invalid inferences, and explain how authors use these devices to achieve their purposes and reach their intended audiences. (Reading Applications: Informational, Technical and Persuasive Text B, 8-10)
Correlated Mathematics Academic Content Benchmarks
Translate information from one representation (words, table, graph or equation) to another representation of a relation or function. (Patterns, Functions and Algebra C, 8-10)
Analyze and compare functions and their graphs using attributes, such as rates of change, intercepts and zeros. (Patterns, Functions and Algebra E, 8-10)
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Correlated Social Studies Academic Content Benchmarks
Analyze how scarcity of productive resources affects supply, demand, inflation and economic choices. (Economics A, 11-12)
Explain the use of a budget in making personal economic decisions and planning for the future. (Economics E, 11-12)
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark H: Utilize decision making and accounting processes to protect financial health.
Descriptor:
1. Evaluate how financial decisions derive from knowledge, self-control, and loss aversion.
2. Assess basic financial statements that meet financial health goals for individuals, families, and businesses.
3. Develop family budget that meets individual and family goals.
4. Predict inflation impact on personal and financial planning.
5. Appreciate individual differences related to values and goals.
6. Develop decision-making skills needed to achieve financial goals including;
Interpret rational and irrational decision-making behaviors;
Differentiate individual perspectives on decisions ;
Evaluate consequences of decision actions.
7. Determine decision-making steps to achieve financial health including:
Assess problem and the context of the problem;
Select alternatives and related consequences;
Choose best alternative based on workable, valued ends;
Create a plan to carry out decision;
Evaluate the intended and unintended outcomes.
8. Select reliable resources to assist in making financial decisions.
Correlated English Language Arts Academic Content Benchmark
Analyze the features and structures of documents and critique them for their effectiveness. (Reading Applications: Informational, Technical and Persuasive Text A, 11-12)
Correlated Mathematics Academic Content Benchmarks
Translate information from one representation (words, table, graph or equation) to another representation of a relation or function. (Patterns, Functions and Algebra C, 8-10)
Construct convincing arguments based on analysis of data and interpretation of graphs. (Data Analysis and Probability F, 8-10)
Create and analyze tabular and graphical displays of data using appropriate tools, including spreadsheets and graphing calculators. (Data Analysis and Probability A, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Assess the adequacy and reliability of information available to solve a problem. (Mathematical Processes C, 11-12)
Apply mathematical modeling to workplace and consumer situations, including problem formulation, identification of a mathematical model, interpretation of solution within the model, and validation to original problem situation. (Mathematical Processes J, 11-12)
Correlated Social Studies Academic Content Benchmarks
Analyze how scarcity of productive resources affects supply, demand, inflation and economic choices. (Economics A, 11-12)
Explain the use of a budget in making personal economic decisions and planning for the future. (Economics E, 11-12)
Critique data and information to determine the adequacy of support for conclusions. (Social Studies Skills and Methods B, 11-12)
Advanced Benchmark I: Build relationship and conflict resolution skills to manage family and financial demands.
Descriptor:
1. Develop strategies and skills for effective listening and responses when:
Discussing financial demands on families to manage stress;
Recognizing personal barriers to effective communication;
Listening actively;
Expressing emotions constructively.
2. Resolve family and corporate financial conflicts constructively.
3. Examine personal reactions to financial conflict situations.
4. Use strategies to resolve financial conflict.
5. Establish limits on negotiable and non-negotiable issues in family financial conflicts.
Correlated English Language Arts Academic Content Benchmarks
Use a variety of strategies to enhance listening comprehension. (Communication: Oral and Visual A, 8-10; Communication: Oral and Visual A, 11-12)
Select and use effective speaking strategies for a variety of audiences, situations and purposes. (Communication: Oral and Visual C, 11-12)
Correlated Social Studies Academic Content Benchmark
Work in groups to analyze an issue and make decisions. (Social Studies Skills and Methods D, 11-12)
Advanced Benchmark J: Advocate public policy that impacts financial well-being.
Descriptor:
Choose active participation in political process to support family and business financial well-being.
Analyze current public policy issues and impacts on family and business financial well-being.
Evaluate the role of federal, state, and local taxes in personal financial decisions.
Correlated Mathematics Academic Content Benchmarks
Connect statistical techniques to applications in workplace and consumer situations. (Data Analysis and Probability D, 11-12)
Locate and interpret mathematical information accurately, and communicate ideas, processes and solutions in a complete and easily understood manner. (Mathematical Processes H, 8-10)
Correlated Social Studies Academic Content Benchmarks
Analyze the role of fiscal and regulatory policies in a mixed economy. (Economics D, 11-12)
Evaluate various means for citizens to take action on a particular issue. (Citizenship Rights and Responsibilities A, 11-12)
Obtain and evaluate information from public records and other resources related to a public policy issue. (Social Studies Skills and Methods A, 11-12)
FCS High School Financial Management II 091051
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