Financial Literacy - Class Page
You will find class announcements, assignments, events, and activities listed in reverse chronological order. The most recent will be found first.
On Tuesday, May 23rd, for Period 2, and on Wednesday, May 24th, for Period 5, students took the Utah State Skills Test for Financial Literacy.
The Test I. D. Number is as follows:
Period 2: JHEACPVX
Period 5: LARJXPQK
The Precision Exams login is as follows: (Please use the Student Login)
www.precisionexams.com/usoe/welcome/
The Test I. D. Number is as follows:
Period 2: JHEACPVX
Period 5: LARJXPQK
The Precision Exams login is as follows: (Please use the Student Login)
www.precisionexams.com/usoe/welcome/
On Friday, May 19th, for Period 2, and on Monday, May 22nd, for Period 5, students took the SLO Post-assessment for Financial Literacy. This assessment is worth 100 points
Please find posted below your Test I.D. Number for the Jordan School District's SLO Pre-assessment for Financial Literacy:
Period 2: 787377
Period 5: 617332
You may access the quiz at the following web link:
https://app.masteryconnect.com/bubblesheet/
Please find posted below your Test I.D. Number for the Jordan School District's SLO Pre-assessment for Financial Literacy:
Period 2: 787377
Period 5: 617332
You may access the quiz at the following web link:
https://app.masteryconnect.com/bubblesheet/
Posted below are the PowerPoint notes that summarize the curriculum for this semester course, and contain all of the information that will be covered by the Jordan School District SLO Post Assessment, and the Utah State Skills Test (which will serve as our final exam). We will be reviewing these notes in class, however, spaced repetition is the best practice for committing this information to your long-term memory. Best of success!
financial_literacy_review.pptx | |
File Size: | 1058 kb |
File Type: | pptx |
On Monday, May 8th, for Period 5, and on Tuesday, May 9th, for Period 2, students completed the "Finding an Apartment" assignment. This will be our last assignment of the quarter. The worksheet is posted below. This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
finding_an_apartment.doc | |
File Size: | 102 kb |
File Type: | doc |
On Friday, May 5th, for Period 2, we reviewed our Credit unit, and then students took the Credit Quiz on Skyward. Period 5 will take this quiz on Wednesday, May 10th. Following the Credit Quiz, students participated in the Bean Game. Full participation is worth 100 points.
On Wednesday, May 3rd, for Period 2, and on Friday, May 5th, for Period 5, students completed the "Buying a Car" assignment The worksheet with instructions is posted below. This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
buying_a_car.docx | |
File Size: | 22 kb |
File Type: | docx |
On Thursday, April 27th, for Period 2, and on Friday, April 28th, for Period 5, we studied and reviewed Banking & Budgeting. We played a Kahoot game to further study the material, and then students took a Quiz on Skyward regarding Banking & Budgeting.
On Tuesday, April 25th, for Period 2, and on Wednesday, April 26th, for Period 5, students watched the second half of the movie, "Confessions of a Shopaholic." The writing prompt is posted below.
On Friday, April 21st, for Period 2, and on Monday, April 24th, for Period 5, students watched the movie, "Confessions of a Shopaholic." The writing prompt for your reflective essay is posted below. This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
confessions_of_a_shopaholic_2.docx | |
File Size: | 31 kb |
File Type: | docx |
On Wednesday, April 19th, for Period 2, and on Thursday, April 20th, for Period 5, we reviewed and discussed the "Understanding Credit Card Reports" assignment. This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
notes-understanding_credit_reports.docx | |
File Size: | 1441 kb |
File Type: | docx |
understanding_credit_reports.pptx | |
File Size: | 761 kb |
File Type: | pptx |
On Monday, April 17th, for Period 2, and on Tuesday, April 18th, for Period 5, we reviewed and discussed the "Understanding Credit Cards" assignment. This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
understanding_credit_card_essentials.docx | |
File Size: | 55 kb |
File Type: | docx |
understanding_credit_cards.pptx | |
File Size: | 837 kb |
File Type: | pptx |
On Thursday, April 6th, for Period 2, and on Friday, April 7th, for Period 5, we reviewed and discussed the "Time Value of Money" assignment. This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
time_value_of_money_notes.docx | |
File Size: | 305 kb |
File Type: | docx |
time_value_of_money.ppt | |
File Size: | 426 kb |
File Type: | ppt |
On Monday, April 3rd, for Period 5, and on Tuesday, April 4th, for Period 2, students used this period to catch-up and make-up any assignments, quizzes, or essays that show up in Skyward as missing for the 4th Quarter. There are only 17 "A" Days, and 18 "B" Days remaining in the school year. Please use this time wisely to get caught up. Thank you for your cooperation!
On Friday, March 31st, for Period 2, and on Wednesday, April 5th, we reviewed and discussed "The Rule of 72." This assignment is worth 100 points, and is due at the end of our next class period. The Dropbox for all assignments may be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
rule_of_72.docx | |
File Size: | 74 kb |
File Type: | docx |
rule_of_72.ppt | |
File Size: | 425 kb |
File Type: | ppt |
On Wednesday, March 29th, for Period 2, and on Thursday, March 30th, for Period 5, students took the Stock Market Quiz. There are 32 questions.
On Monday, March 27th, for Period 2, and on Tuesday, March 28th, for Period 5, we finished watching "Wall Street II - Money Never Sleeps." The writing prompt is posted below, under my previous entry.
Please Note! Thursday, March 23rd, marks the end of the Third Quarter. All late work and make-up work must be turned in by Midnight, Thursday evening, March 23rd, to received credit for the Third Quarter. Thank you!!!
On Wednesday, March 22nd, for Period 2, and on Thursday, March 23rd, for Period 5, students watched the movie, "Wall Street II - Money Never Sleeps," rated PG13. This movie depicts the 2008 Great Recession. The directions for the reflective essay are posted below. This assignment is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
wall_street_ii_-_money_never_sleeps.docx | |
File Size: | 76 kb |
File Type: | docx |
On Monday, March 20th, for Period 2, and on Tuesday, March 21st, for Period 5, students completed the "Mutual Funds Basics" assignment. This assignment is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
mutual_funds__basics.docx | |
File Size: | 324 kb |
File Type: | docx |
mutual_fund_basics.pptx | |
File Size: | 605 kb |
File Type: | pptx |
On Friday, March 17th, students used this day as a catch-up, make-up day. The last day to turn in late work is next Thursday, March 23rd, the end of the 3rd Quarter.
On Thursday, March 16th, students used this day as a catch-up, make-up day. The last day to turn in late work is next Thursday, March 23rd, the end of the 3rd Quarter.
On Tuesday, March 14th, for Period 2, and on Wednesday, March 15th, for Period 5, we reviewed and discussed the "Stock Market Basics" assignment. This assignment is worth 100 points. The Dropbox for turning in all completed assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.resume.project
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.resume.project
Thank you for your cooperation!!!
stock_market_basics.docx | |
File Size: | 530 kb |
File Type: | docx |
stock_market_basics.pptx | |
File Size: | 853 kb |
File Type: | pptx |
On Friday, March 10th, for Period 2, and on Monday, March 13th, for Period 5, students were introduced to the Stock Market Game. Please follow the instructions posted below and set up your own account, join the game, and then trade for five stocks, today. This assignment is worth 100 points. The game will close May 12th. The top ten students in market valuation will get 100 points of extra credit.
stock_market_game_instructions.docx | |
File Size: | 19 kb |
File Type: | docx |
On Wednesday, March 8th, for Period 2, and on Thursday, March 9th, for Period 5, we reviewed our Careers & Education Unit, and then students took the unit quiz in Skyward. Following the review and quiz, students spent the remainder of their time catching up on missing assignments.
On Tuesday, March 7th, for Period 5 only, students finished watching the movie, "Fun with Dick & Jane." The writing prompt and directions are posted below. This reflective mini-essay is worth 100 points. With the remaining time left in the period, please work on any missing assignments you haven't finished as yet. Thank you for your cooperation!
On Friday, March 3rd, for Period 5, and on Monday, March 6th, for Period 2, students finished watching the movie, "Fun With Dick & Jane." This assignment is worth 100 points. The writing prompt and directions is posted below. Continued success!
On Wednesday, March 1st, for Period 5, and on Thursday, March 2nd, for Period 2, we watched "Fun with Dick & Jane." The writing prompt for a reflective essay is posted below, and is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.resume.project
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.resume.project
Thank you for your cooperation!!!
fun_with_dick___jane_2.docx | |
File Size: | 84 kb |
File Type: | docx |
On Thursday, February 23rd, for Period 2, and on Friday, February 24th, for Period 5, students completed their own Resume. This assignment is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.resume.project
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.resume.project
Thank you for your cooperation!!!
resume_project.docx | |
File Size: | 18 kb |
File Type: | docx |
resume_example.docx | |
File Size: | 17 kb |
File Type: | docx |
On Tuesday, February 21st, for Period 5, and on Monday, February 27th, for Period 2, students completed the "Tax Preparation" assignment. This assignment is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
tax_preparation.docx | |
File Size: | 650 kb |
File Type: | docx |
tax_preparation.pptx | |
File Size: | 6613 kb |
File Type: | pptx |
On Thursday, February 16th, for Period 5, students completed the "Understanding Your Paycheck" assignment. This assignment is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
understanding_your_paycheck_essentials_.docx | |
File Size: | 1669 kb |
File Type: | docx |
understanding_your_paycheck.ppt | |
File Size: | 1144 kb |
File Type: | ppt |
On Tuesday, February 14th, for Period 5, and on Wednesday, February 15th, for Period 2, students completed the "Comparing Job Offers" assignment. This assignment is worth 100 points. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
comparing_job_offers_assignments.doc | |
File Size: | 433 kb |
File Type: | doc |
comparing_job_offers.ppt | |
File Size: | 711 kb |
File Type: | ppt |
On Friday, February 10th, for Period 5, and on Monday, February 13th, for Period 2, students took the Values, Needs, Wants, & Goals Test. You will find this test in Skyward. Just log into Skyward, and you will see a message and a link in Skyward to take the test. Please wait until I conduct a review with you, first. Following the test, please use the remaining time to get caught up on missing assignments. Thank you!!!
On Wednesday, February 8th, for Period 5, and on Thursday, February 9th, students completed the "Career Research Project" assignment, posted below. This assignment is worth 100 points, and is due at the end of our class period on Tuesday, February 14th. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
career_research.docx | |
File Size: | 21 kb |
File Type: | docx |
On Monday, February 6th, for Period 5, and on Tuesday, February 7th, students completed the "A Snapshot of My Future" assignment, posted below. This assignment is worth 100 points, and is due at the end of our class period on Thursday, February 2nd. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
a_snapshot_of_my_future.docx | |
File Size: | 14 kb |
File Type: | docx |
On Thursday, February 2nd, for Period 5, and on Friday, February 3rd. for Period 2, students watched the second half of "The Pursuit of Happiness." The writing prompt for this movie is posted below.
On Wednesday, February 1st, Period 2 students went to the CTE Assembly featuring astronaut, Mike Mullane.
On Monday, January 30th, for Period 2, and on Tuesday, January 31st for Period 5, students watched "The Pursuit of Happiness." The writing prompt for the mini-essay for this movie is posted below. This assignment is worth 100 points, and is due at the end of our class period on Thursday, February 2nd. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.jobs.essay
Thank you for your cooperation!!!
pursuit_of_happiness_2.docx | |
File Size: | 179 kb |
File Type: | docx |
On Friday, January 27th, for Period 5, students used the "Decision Making Magic" PowerPoint notes to complete the "Decision Making Magic" worksheet posted below. This assignment is worth 100 points, and is due on Wednesday, February 1st. The worksheet and PowerPoint notes are posted below. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson. Million Dollars
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson. Million Dollars
Thank you for your cooperation!!!
decision_making_magic_2.docx | |
File Size: | 45 kb |
File Type: | docx |
decision_making_magic.ppt | |
File Size: | 572 kb |
File Type: | ppt |
On Thursday, January 26th, we completed the Values, Needs, Wants, & Goals assignment posted below, from Tuesday. If you have not taken the SLO pre-assessment, please take that, today. The directions, test I. D. number, and link are also posted below.
On Tuesday, January 24th, for Period 2, and on Wednesday, January 25th, for Period 5, we reviewed and discussed the "Values, Needs, Wants, and Goals" assignment. This assignment is worth 100 points, and is due on Wednesday, February 1st. The worksheet and PowerPoint notes are posted below. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson. Million Dollars
Thank you for your cooperation!!!
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson. Million Dollars
Thank you for your cooperation!!!
notes-values_needs_wants_and_goals.docx | |
File Size: | 868 kb |
File Type: | docx |
values_needs_wants_and_goal_setting.ppt | |
File Size: | 1963 kb |
File Type: | ppt |
On Friday, January 20th, for Period 2, and on Monday, January 23rd, for Period 5, students took the SLO Pre-assessment for Financial Literacy, and finished the "If I Had a Million Dollars" assignment.
Please find posted below your Test I.D. Number for the Jordan School District's SLO Pre-assessment for Financial Literacy:
Period 2: 198796
Period 5: 849002
You may access the quiz at the following web link:
https://app.masteryconnect.com/bubblesheet/
The "If I Had a Million Dollars" assignment is worth 100 points, and is due by Wednesday, January 25th. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson. Million Dollars
Thank you for your cooperation!!!
Please find posted below your Test I.D. Number for the Jordan School District's SLO Pre-assessment for Financial Literacy:
Period 2: 198796
Period 5: 849002
You may access the quiz at the following web link:
https://app.masteryconnect.com/bubblesheet/
The "If I Had a Million Dollars" assignment is worth 100 points, and is due by Wednesday, January 25th. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson. Million Dollars
Thank you for your cooperation!!!
if_i_had_a_million_dollars.docx | |
File Size: | 16 kb |
File Type: | docx |
On Wednesday, January 18th, for Period 2, and on Thursday, January 19th, for Period 5 we covered our first and introductory class of the semester. The first assignment is to bring the Disclosure Signature Page back to class on Friday, January 20th, having been signed by your parent or guardian and you. This assignment is worth 100 points.
In addition, students began work on the "If I Had a Million Dollars" assignment. This assignment is worth 100 points, and is due at the end of this period. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.walter mitty essay
Thank you for your cooperation!!!
In addition, students began work on the "If I Had a Million Dollars" assignment. This assignment is worth 100 points, and is due at the end of this period. The Dropbox for all assignments can be found at the following web link:
http://www.dropitto.me/willardson
The Password is: copperhills
Please remember to save and re-name your assignment file with your (Period Number) . (Last Name). (Assignment Name) as in the following example: 3.anderson.walter mitty essay
Thank you for your cooperation!!!
financial_literacy_-_signature_page.docx | |
File Size: | 23 kb |
File Type: | docx |
if_i_had_a_million_dollars.docx | |
File Size: | 16 kb |
File Type: | docx |
The Electronic Dropbox for all assignments can be found at the following web link. The password is copperhills
http://www.dropitto.me/willardson
Quizzes and tests may be found on Mastery Connect, or Precision Exams.
http://www.dropitto.me/willardson
Quizzes and tests may be found on Mastery Connect, or Precision Exams.
Disclosure Statement
Financial Literacy— Spring 2016-17
Course Description and Objectives: This course presents the student with a practical treatment of the basic issues of day-to-day household finances. It will emphasize setting financial goals, no matter what one’s personal financial situation may be, with an end towards obtaining control of one’s life and achieving personal financial improvement and success. Additional topics include budgeting, use of credit, housing and transportation, insurance, the stock market, and planning for the future.
Grading: Students will be graded on the following criteria:
1. Daily Assignments. Assignments will have a specific due date and will be graded on completeness and accuracy. Students will be expected to do their own work. If the student is in class on the assignment due date and does not turn in the assignment, he/she will receive zero points for that assignment and will not have the opportunity to make up the work later. Makeup work must be turned in within five days of the absence.
2. Preparation and participation. Preparation refers to being in class on time with needed assignments, notebooks, books, pencils, etc. Participation refers to the student’s willingness to follow directions, involvement in classroom discussions, and working on task throughout the class period. A possible of ten points will be given for each class period, based on the following:
Ten points will be given for being on time to class and on task the entire period.
Ten points will be given if the student makes up work following an excused absence.
Five points will be deducted if the student has an unexcused tardy.
No points will be given for a truancy.
No points will be given if the student is sleeping in class.
Additionally, there will be a loss of participation points for off-task behavior or for being unprepared.
Participation points may NOT be made up except for excused absences (“E” or “N”).
3. Tests/Quizzes. If a student has an unexcused absence on a test day, he/she will not be allowed to make up the test. Students with excused absences will be able to make up the tests (“E” or “N”).
Grading weights by quarter will be as follows:
Assignments 50%
Preparation/Participation 10%
Tests/Quizzes 40%
Letter grades are assigned as follows:
A 94-100%
A- 90-93%
B+ 87-89%
B 84-86%
B- 80-83%
C+ 77-79%
C 74-76%
C- 70-73%
D+ 67-69%
D 64-66%
D- 60-63%
F Below 60%
Some grading may be done by students and teacher’s aides.
Attendance Policy: To receive credit in this class this attendance policy must be followed:
Students will receive a “No Grade” in class when one of the following occurs:
Make-Up Work: Students will have five school days to make up work missed (assignments or quizzes/tests) for an excused absence. Make-up work for truancies will not be allowed, for either assignments or quizzes/tests. Teachers will be available for make-up work and tests, individual help, or other student needs Monday-Thursday from 7:00 a.m. through 7:35 a.m. and every day after school until 3:00.
If students are in class and do not turn in the assigned work for the day, they will receive NO CREDIT for the assignment, and makeup work will not be allowed.
Class Rules: Students will be expected to show respect for themselves, for the teacher, for other students in the classroom, and for the equipment that will be used. Class rules are based upon these expectations. Students will be expected to follow the guidelines listed in the Jordan School District Acceptable Use Policy, which each student was required to sign as part of his or her school registration prior to the beginning of the school year.
Class rules are:
1. Students have ONE WEEK from the date of an absence to get make-up work turned in. Makeup work will not be accepted after
that time.
2. Students will use equipment appropriately and according to teacher’s directions.
3. Students will follow all written and verbal directions.
4. No food, gum, or drinks in the computer lab.
5. No cell phones or other electronic devices in class, including iPods (this is a Jordan School District policy). If students break this rule, the following will apply:
a. First infraction: warning
b. Second infraction: the teacher will take the device and return it to the student at the end of the class period
c. Third infraction: the teacher will take the device and turn it in to the vice principal. The student will then be responsible to the administration to retrieve the device.
6. Students will respect others in the class. Rudeness in any form is unacceptable.
7. Sharing of computer assignments between students will absolutely not be tolerated. If such sharing does occur, all students involved will receive zero points on the assignment or test involved, and they will also receive a reduction in their citizenship grades.
8. Computer games are not allowed. Downloading of unapproved materials from the Internet will not be allowed. If such downloading occurs, the following will apply:
a. First infraction: warning
b. Second infraction: student will temporarily lose computer privileges and will be required to complete alternate work.
c. Third infraction: administrative action may be taken
9. The use of the Internet will only occur during certain portions of this class. During the remainder of the semester, Internet use will not be allowed.
Infractions of the rules will result in one or more of the following, depending upon frequency and severity of the problem: loss of daily participation points, calls home, or referral to administration.
Those students who follow the rules will receive one or more of the following: positive notes to student or parent and the option to redo a test or assignment.
Hall Passes: To cut down on unnecessary absences from class time, students will be allowed to use a hall pass no more than twice each quarter for legitimate purposes (5-minute limit).
Required Materials: Students will be expected to bring their own pen or pencil to class every day.
FERPA: Student information, work, and grades will be kept confidential and will not be shared without the necessary authorization as per FERPA regulations.
We are looking forward to a successful semester with your student.
Mr. Rob Willardson
Copper Hills Business & Marketing Department
[email protected]
801 253-5600 ext. 74389
I have read and understand the disclosure statement for Financial Literacy.
I understand that I have a maximum of five school days to makeup work following an absence. I also understand that if I am in class and do not turn in the day’s assignment, I will receive NO CREDIT for the assignment and will not be able to make it up.
Student Name (printed): ___________________________________________________________________________
Student Signature:____________________________________________ Date:_________________
Parent Signature:_____________________________________________ Date:_________________
Mr. Willardson’s Class Website:
http://willardson.weebly.com
Mr. Willardson’s Classwork Drop Box:
http://www.dropitto.me/willardson
Password: copperhills
FINANCIAL LITERACY
Video Release Form:
Since viewing is part of the curriculum for this course, we will view various videos and sections of videos. They will be carefully selected to be appropriate and meaningful. These are available for parental review. Time will not permit us to watch all of these, but from the following list of videos we may, or may not view part of, or all of the following: “The Secret Life of Walter Mitty” (PG13), “Pursuit of Happiness” (PG 13), “Fun With Dick & Jane” (PG13), “Wall Street II – Money Never Sleeps” (PG 13), and “Confessions of a Shopaholic” (PG).
__ I give permission for my student to view videos and video clips that are carefully selected,
meaningful, and appropriate as part of this course.
__ I do not give permission for my student to view videos and video clips that are carefully selected,
meaningful, and appropriate as part of this course.
Parent’s/Guardian’s Signature: _______________________________ Date: _____________________
Financial Literacy— Spring 2016-17
Course Description and Objectives: This course presents the student with a practical treatment of the basic issues of day-to-day household finances. It will emphasize setting financial goals, no matter what one’s personal financial situation may be, with an end towards obtaining control of one’s life and achieving personal financial improvement and success. Additional topics include budgeting, use of credit, housing and transportation, insurance, the stock market, and planning for the future.
Grading: Students will be graded on the following criteria:
1. Daily Assignments. Assignments will have a specific due date and will be graded on completeness and accuracy. Students will be expected to do their own work. If the student is in class on the assignment due date and does not turn in the assignment, he/she will receive zero points for that assignment and will not have the opportunity to make up the work later. Makeup work must be turned in within five days of the absence.
2. Preparation and participation. Preparation refers to being in class on time with needed assignments, notebooks, books, pencils, etc. Participation refers to the student’s willingness to follow directions, involvement in classroom discussions, and working on task throughout the class period. A possible of ten points will be given for each class period, based on the following:
Ten points will be given for being on time to class and on task the entire period.
Ten points will be given if the student makes up work following an excused absence.
Five points will be deducted if the student has an unexcused tardy.
No points will be given for a truancy.
No points will be given if the student is sleeping in class.
Additionally, there will be a loss of participation points for off-task behavior or for being unprepared.
Participation points may NOT be made up except for excused absences (“E” or “N”).
3. Tests/Quizzes. If a student has an unexcused absence on a test day, he/she will not be allowed to make up the test. Students with excused absences will be able to make up the tests (“E” or “N”).
Grading weights by quarter will be as follows:
Assignments 50%
Preparation/Participation 10%
Tests/Quizzes 40%
Letter grades are assigned as follows:
A 94-100%
A- 90-93%
B+ 87-89%
B 84-86%
B- 80-83%
C+ 77-79%
C 74-76%
C- 70-73%
D+ 67-69%
D 64-66%
D- 60-63%
F Below 60%
Some grading may be done by students and teacher’s aides.
Attendance Policy: To receive credit in this class this attendance policy must be followed:
Students will receive a “No Grade” in class when one of the following occurs:
- ONE Truancy (requires two attendance school sessions to make up)
- THREE absences (requires one attendance school session beginning with the third and subsequent absences)
- FOUR tardies (requires one attendance school session for each two tardies beginning with the fourth and subsequent tardies)
Make-Up Work: Students will have five school days to make up work missed (assignments or quizzes/tests) for an excused absence. Make-up work for truancies will not be allowed, for either assignments or quizzes/tests. Teachers will be available for make-up work and tests, individual help, or other student needs Monday-Thursday from 7:00 a.m. through 7:35 a.m. and every day after school until 3:00.
If students are in class and do not turn in the assigned work for the day, they will receive NO CREDIT for the assignment, and makeup work will not be allowed.
Class Rules: Students will be expected to show respect for themselves, for the teacher, for other students in the classroom, and for the equipment that will be used. Class rules are based upon these expectations. Students will be expected to follow the guidelines listed in the Jordan School District Acceptable Use Policy, which each student was required to sign as part of his or her school registration prior to the beginning of the school year.
Class rules are:
1. Students have ONE WEEK from the date of an absence to get make-up work turned in. Makeup work will not be accepted after
that time.
2. Students will use equipment appropriately and according to teacher’s directions.
3. Students will follow all written and verbal directions.
4. No food, gum, or drinks in the computer lab.
5. No cell phones or other electronic devices in class, including iPods (this is a Jordan School District policy). If students break this rule, the following will apply:
a. First infraction: warning
b. Second infraction: the teacher will take the device and return it to the student at the end of the class period
c. Third infraction: the teacher will take the device and turn it in to the vice principal. The student will then be responsible to the administration to retrieve the device.
6. Students will respect others in the class. Rudeness in any form is unacceptable.
7. Sharing of computer assignments between students will absolutely not be tolerated. If such sharing does occur, all students involved will receive zero points on the assignment or test involved, and they will also receive a reduction in their citizenship grades.
8. Computer games are not allowed. Downloading of unapproved materials from the Internet will not be allowed. If such downloading occurs, the following will apply:
a. First infraction: warning
b. Second infraction: student will temporarily lose computer privileges and will be required to complete alternate work.
c. Third infraction: administrative action may be taken
9. The use of the Internet will only occur during certain portions of this class. During the remainder of the semester, Internet use will not be allowed.
Infractions of the rules will result in one or more of the following, depending upon frequency and severity of the problem: loss of daily participation points, calls home, or referral to administration.
Those students who follow the rules will receive one or more of the following: positive notes to student or parent and the option to redo a test or assignment.
Hall Passes: To cut down on unnecessary absences from class time, students will be allowed to use a hall pass no more than twice each quarter for legitimate purposes (5-minute limit).
Required Materials: Students will be expected to bring their own pen or pencil to class every day.
FERPA: Student information, work, and grades will be kept confidential and will not be shared without the necessary authorization as per FERPA regulations.
We are looking forward to a successful semester with your student.
Mr. Rob Willardson
Copper Hills Business & Marketing Department
[email protected]
801 253-5600 ext. 74389
I have read and understand the disclosure statement for Financial Literacy.
I understand that I have a maximum of five school days to makeup work following an absence. I also understand that if I am in class and do not turn in the day’s assignment, I will receive NO CREDIT for the assignment and will not be able to make it up.
Student Name (printed): ___________________________________________________________________________
Student Signature:____________________________________________ Date:_________________
Parent Signature:_____________________________________________ Date:_________________
Mr. Willardson’s Class Website:
http://willardson.weebly.com
Mr. Willardson’s Classwork Drop Box:
http://www.dropitto.me/willardson
Password: copperhills
FINANCIAL LITERACY
Video Release Form:
Since viewing is part of the curriculum for this course, we will view various videos and sections of videos. They will be carefully selected to be appropriate and meaningful. These are available for parental review. Time will not permit us to watch all of these, but from the following list of videos we may, or may not view part of, or all of the following: “The Secret Life of Walter Mitty” (PG13), “Pursuit of Happiness” (PG 13), “Fun With Dick & Jane” (PG13), “Wall Street II – Money Never Sleeps” (PG 13), and “Confessions of a Shopaholic” (PG).
__ I give permission for my student to view videos and video clips that are carefully selected,
meaningful, and appropriate as part of this course.
__ I do not give permission for my student to view videos and video clips that are carefully selected,
meaningful, and appropriate as part of this course.
Parent’s/Guardian’s Signature: _______________________________ Date: _____________________
Financial Literacy
Pacing Guide / Curriculum Map / Syllabus
Spring Semester, 2016-17
Levels: Grades 11-12 Units of Credit: 0.50 Core Code: 01-00-00-00-100 Prerequisite: None
COURSE DESRIPTION: The General Financial Literacy course for juniors and seniors encompasses standards that are essential to the development of basic financial literacy. Students will gain the information and skills to implement a life-long plan for financial success.
CORE STANDARDS, OBJECTIVES AND INDICATORS
STANDARD 1: Students will understand how values, culture, and economic forces affect personal financial priorities and goals (Economics, Culture, & Values).
Objective 1.1: Analyze the role of cultural, social, and emotional influences on financial behavior.
1.1.1 Evaluate the role of emotions, attitudes and behavior in making financial decisions.
1.1.2 Recognize that individuals are responsible for their own financial transactions and subsequent positive and negative consequences.
1.1.3 Relate instant satisfaction and delayed gratification to impulse buying and planned expenditures.
1.1.4 Describe the influence of social pressure and marketing strategies as related to purchasing decisions
1.1.5 Explain how scarcity of financial resources affects wants and needs.
Objective 1.2: Define a rational decision-making process and the steps of financial planning.
1.2.1 Define opportunity costs (tradeoffs) and their role in decision making.
1.2.2 Describe a rational decision-making process.
1.2.3 Identify short- and long-term financial decisions and the impact they have on financial planning
1.2.4 Define the elements of a financial plan.
Objective 1.3: Explain how setting goals affects personal financial planning.
1.3.1 Identify spending habits and their connection to personal financial values.
1.3.2 Identify and create short- and long-term financial goals.
STANDARD 2: Students will understand sources of income and the relationship between career preparation and lifetime earning power (The money you earn).
Objective 2.1: Identify sources of income and specific employability skills.
2.1.1 Identify sources of income such as wages, commissions, investments, benefits, inheritance, and gifts
2.1.2 Evaluate and compare career opportunities based on individual interests, skills, and educational requirements; the value of work to society; income potential; and the supply and demand of the workforce, including unemployment.
2.1.3 Compare the risks and rewards of entrepreneurship/self-employment.
2.1.4 Compare income to the cost-of-living in various geographical areas and the impact it has on purchasing power.
2.1.5 Understand the effects of state, local, and federal taxes and voluntary deductions on wages and income, the difference between gross and net income, and the similarities and differences between wages and income.
Objective 2.2: Understand and begin preparation for career and post-high school training.
2.2.1 Recognize and explore the correlation between education, training, and potential lifetime income.
2.2.2 Calculate the costs of post-high school training options and analyze the return on investment (ROI) based on career choices, including understanding the cost differences between public and private, and non-profit and for profit education and training.
2.2.3 Identify sources of funding to assist in post-high school education opportunities and the cost of repayment.
2.2.4 Understand the use and advantages of 529 plans and the benefit of planning early for paying for the cost of post-secondary education and training.
2.2.5 Understand the process for and benefits of FAFSA completion.
2.2.6 Utilize the FAFSA 4caster to explore the FAFSA process. Seek guidance from school counselors.
2.2.7 Identify components to be included on a resume and/or electronic professional profile, such as appropriate contact information; educational, work, and volunteer experience; skills; certificates obtained; accomplishments; interests; and references.
2.2.8 Identify sources and strategies for and benefits of networking for finding employment whether for summer jobs or full-time career placement.
2.2.9 Understand basic employment forms and processes, including W-2, W-4 and I-9.
STANDARD 3: Students will evaluate saving methods and investment strategies (The money you save and invest).
Objective 3.1: Describe and discuss financial institutions, and demonstrate how to manage personal financial accounts.
3.1.1 Explain the role of the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC) and the National Credit Union Association (NCUA).
3.1.2 Compare the roles of financial institutions and their services, such as banks, credit unions, investment or brokerage firms, insurance companies, and loan agencies.
3.1.3 Demonstrate how to manage checking/debit and saving accounts, both manually and/or electronically, including reconciliation.
3.1.4 Describe available consumer banking technologies.
Objective 3.2: Discuss the dynamics of saving and investing.
3.2.1 Explain how paying yourself first (PYF) early and often influences positive progress toward long-term, financial goals.
3.2.2 Identify and understand basic saving options such as savings accounts, and Certificates of Deposit. Understand that savings are designed to preserve principal.
3.2.3 Identify and understand investment options, including retirement planning, long- and short-term investments, and dividend re-investment plans. Understand that investments put principal at risk.
3.2.4 Identify types of long-term retirement investments, such as IRA, Roth IRA, 401(k), and 403(b), as well as reasons to invest.
3.2.5 Demonstrate time value of money (TVM) principles by using the rule of 72 and by manipulating the five variables used in basic TVM calculations.
3.2.6 Discuss the long-term investment potential associated with the stock market, focusing on fundamentals such as diversification, risk/reward, and investor behavior.
3.2.7 Identify and define the types of financial risks, including inflation, deflation and recession.
Objective 3.3: Understand the role of risk management in asset protection.
3.3.1 Discuss the purposes of insurance/risk management.
3.3.2 Define common insurance options and their purposes, such as automobile, health, home owner/renter, whole/term life, long-term care and disability
3.3.3 Define terms of a basic insurance policy, such as contract, limits of coverage, premium, deductible, grace period, and lifetime limit
3.3.4 Discuss insurance needs at different stages of life.
3.3.5 Understand identification and designation of beneficiaries.
STANDARD 4: Students will understand principles of personal money management, including budgeting, managing accounts, and the role of credit and impacts on personal finance (The money you spend).
Objective 4.1: Identify and explain the process of budgeting based on calculated income.
4.1.1 Develop a budget.
4.1.2 Identify and prioritize fixed, variable, and periodic budget categories.
4.1.3 Emphasize the importance of proactive budget priorities, such as pay yourself first, emergency/opportunity fund, insurance, and charitable or other voluntary contributions.
4.1.4 Discuss the pros and cons of charitable giving.
4.1.5 List ways and examples of charitable giving.
4.1.6 Compare tools for tracking of a budget and expenditures, such as the envelope system, paper tracking, and online or software options.
4.1.7 Emphasize the importance of comparison shopping, buying strategies, negotiation, and sales and marketing strategies in purchasing.
4.1.8 Identify the process, rights, and responsibilities relating to renting, leasing, and purchasing a home.
4.1.9 Identify the process, rights, and responsibilities relating to renting, leasing, and purchasing a vehicle.
4.1.10 Understand the similarities and differences between “principal” and “interest” on an amortization schedule.
4.1.11 Explain the purpose of co-signers and collateral when applying for a loan.
Objective 4.2: Describe and discuss the impact of credit and debt on personal money management.
4.2.1 Discuss the purpose and role of credit and explain the value of building and maintaining a healthy credit rating, including the “Five C’s of Credit”: character, capacity, capital, collateral, and conditions.
4.2.2 Explore and discuss the pros and cons of basic types of credit, such as unsecured vs. secured credit, credit cards, installment loans, revolving credit, student loans, and predatory lenders.
4.2.3 Describe the risks and responsibilities associated with using credit, such as APR, grace period, late fees, finance charges, default rates, interest, and closing costs.
4.2.4 Understand principal and interest calculations.
4.2.5 Calculate how long it takes to repay debt by making minimum payments on installment loans and revolving accounts.
4.2.6 Locate and use online calculators to determine principal and interest aggregate monthly for long-term debt such as mortgages, vehicles, personal loans, and credit cards.
4.2.7 Evaluate the costs and risks of payday and predatory lending.
4.2.8 Describe the personal and societal effects of bankruptcy and identify circumstances that lead to bankruptcy, such as uninsured medical costs, family break-up, or loss of job.
Objective 4.3: Explain and understand credit reports and scores.
4.3.1 Identify the three major credit bureaus.
4.3.2 Understand the legal right to a free annual credit report (AnnualCreditReport.com).
4.3.3 Evaluate and identify components of a credit report, including derogatory remarks, and the warning signs of credit abuse, such as late fees, missed payments, collection notices and bounced checks.
4.3.4 Explain the potential consequences of checking account mismanagement, such as non-sufficient funds (NSF) handling, overdraft processing, and the role of ChexSystems.
Objective 4.4: Define rights and responsibilities of buyers and sellers under consumer protection laws.
4.4.1 Understand financial contracts tied to consumer purchases, such as cell phone, cable or satellite plans and membership fees.
4.4.2 Discuss the negative impacts of predatory and payday lending practices.
4.4.3 Identify ways to avoid “identity theft” and fraud, such as securing sensitive financial data, using care when participating in online commerce, avoiding phishing and pharming, and properly disposing of sensitive documents.
4.4.4 Understand how to recover from fraud and identity theft.
4.4.5 Discuss ways to avoid financial schemes such ponzi schemes and other questionable and illegal practices.
4.4.6 Describe the negative consequences of gambling and playing the lottery.
4.4.7 Identify the pros and cons of online commerce, including how to conduct transactions safely.
Objective 4.5: Students will understand the role of government in protecting the consumer.
4.5.1 Explain the purposes and features of consumer protection laws.
4.5.2 Identify federal and state entities that exist to protect consumers from forms of fraud and abuse.
Pacing Guide / Curriculum Map / Syllabus
Spring Semester, 2016-17
Levels: Grades 11-12 Units of Credit: 0.50 Core Code: 01-00-00-00-100 Prerequisite: None
COURSE DESRIPTION: The General Financial Literacy course for juniors and seniors encompasses standards that are essential to the development of basic financial literacy. Students will gain the information and skills to implement a life-long plan for financial success.
CORE STANDARDS, OBJECTIVES AND INDICATORS
STANDARD 1: Students will understand how values, culture, and economic forces affect personal financial priorities and goals (Economics, Culture, & Values).
Objective 1.1: Analyze the role of cultural, social, and emotional influences on financial behavior.
1.1.1 Evaluate the role of emotions, attitudes and behavior in making financial decisions.
1.1.2 Recognize that individuals are responsible for their own financial transactions and subsequent positive and negative consequences.
1.1.3 Relate instant satisfaction and delayed gratification to impulse buying and planned expenditures.
1.1.4 Describe the influence of social pressure and marketing strategies as related to purchasing decisions
1.1.5 Explain how scarcity of financial resources affects wants and needs.
Objective 1.2: Define a rational decision-making process and the steps of financial planning.
1.2.1 Define opportunity costs (tradeoffs) and their role in decision making.
1.2.2 Describe a rational decision-making process.
1.2.3 Identify short- and long-term financial decisions and the impact they have on financial planning
1.2.4 Define the elements of a financial plan.
Objective 1.3: Explain how setting goals affects personal financial planning.
1.3.1 Identify spending habits and their connection to personal financial values.
1.3.2 Identify and create short- and long-term financial goals.
STANDARD 2: Students will understand sources of income and the relationship between career preparation and lifetime earning power (The money you earn).
Objective 2.1: Identify sources of income and specific employability skills.
2.1.1 Identify sources of income such as wages, commissions, investments, benefits, inheritance, and gifts
2.1.2 Evaluate and compare career opportunities based on individual interests, skills, and educational requirements; the value of work to society; income potential; and the supply and demand of the workforce, including unemployment.
2.1.3 Compare the risks and rewards of entrepreneurship/self-employment.
2.1.4 Compare income to the cost-of-living in various geographical areas and the impact it has on purchasing power.
2.1.5 Understand the effects of state, local, and federal taxes and voluntary deductions on wages and income, the difference between gross and net income, and the similarities and differences between wages and income.
Objective 2.2: Understand and begin preparation for career and post-high school training.
2.2.1 Recognize and explore the correlation between education, training, and potential lifetime income.
2.2.2 Calculate the costs of post-high school training options and analyze the return on investment (ROI) based on career choices, including understanding the cost differences between public and private, and non-profit and for profit education and training.
2.2.3 Identify sources of funding to assist in post-high school education opportunities and the cost of repayment.
2.2.4 Understand the use and advantages of 529 plans and the benefit of planning early for paying for the cost of post-secondary education and training.
2.2.5 Understand the process for and benefits of FAFSA completion.
2.2.6 Utilize the FAFSA 4caster to explore the FAFSA process. Seek guidance from school counselors.
2.2.7 Identify components to be included on a resume and/or electronic professional profile, such as appropriate contact information; educational, work, and volunteer experience; skills; certificates obtained; accomplishments; interests; and references.
2.2.8 Identify sources and strategies for and benefits of networking for finding employment whether for summer jobs or full-time career placement.
2.2.9 Understand basic employment forms and processes, including W-2, W-4 and I-9.
STANDARD 3: Students will evaluate saving methods and investment strategies (The money you save and invest).
Objective 3.1: Describe and discuss financial institutions, and demonstrate how to manage personal financial accounts.
3.1.1 Explain the role of the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC) and the National Credit Union Association (NCUA).
3.1.2 Compare the roles of financial institutions and their services, such as banks, credit unions, investment or brokerage firms, insurance companies, and loan agencies.
3.1.3 Demonstrate how to manage checking/debit and saving accounts, both manually and/or electronically, including reconciliation.
3.1.4 Describe available consumer banking technologies.
Objective 3.2: Discuss the dynamics of saving and investing.
3.2.1 Explain how paying yourself first (PYF) early and often influences positive progress toward long-term, financial goals.
3.2.2 Identify and understand basic saving options such as savings accounts, and Certificates of Deposit. Understand that savings are designed to preserve principal.
3.2.3 Identify and understand investment options, including retirement planning, long- and short-term investments, and dividend re-investment plans. Understand that investments put principal at risk.
3.2.4 Identify types of long-term retirement investments, such as IRA, Roth IRA, 401(k), and 403(b), as well as reasons to invest.
3.2.5 Demonstrate time value of money (TVM) principles by using the rule of 72 and by manipulating the five variables used in basic TVM calculations.
3.2.6 Discuss the long-term investment potential associated with the stock market, focusing on fundamentals such as diversification, risk/reward, and investor behavior.
3.2.7 Identify and define the types of financial risks, including inflation, deflation and recession.
Objective 3.3: Understand the role of risk management in asset protection.
3.3.1 Discuss the purposes of insurance/risk management.
3.3.2 Define common insurance options and their purposes, such as automobile, health, home owner/renter, whole/term life, long-term care and disability
3.3.3 Define terms of a basic insurance policy, such as contract, limits of coverage, premium, deductible, grace period, and lifetime limit
3.3.4 Discuss insurance needs at different stages of life.
3.3.5 Understand identification and designation of beneficiaries.
STANDARD 4: Students will understand principles of personal money management, including budgeting, managing accounts, and the role of credit and impacts on personal finance (The money you spend).
Objective 4.1: Identify and explain the process of budgeting based on calculated income.
4.1.1 Develop a budget.
4.1.2 Identify and prioritize fixed, variable, and periodic budget categories.
4.1.3 Emphasize the importance of proactive budget priorities, such as pay yourself first, emergency/opportunity fund, insurance, and charitable or other voluntary contributions.
4.1.4 Discuss the pros and cons of charitable giving.
4.1.5 List ways and examples of charitable giving.
4.1.6 Compare tools for tracking of a budget and expenditures, such as the envelope system, paper tracking, and online or software options.
4.1.7 Emphasize the importance of comparison shopping, buying strategies, negotiation, and sales and marketing strategies in purchasing.
4.1.8 Identify the process, rights, and responsibilities relating to renting, leasing, and purchasing a home.
4.1.9 Identify the process, rights, and responsibilities relating to renting, leasing, and purchasing a vehicle.
4.1.10 Understand the similarities and differences between “principal” and “interest” on an amortization schedule.
4.1.11 Explain the purpose of co-signers and collateral when applying for a loan.
Objective 4.2: Describe and discuss the impact of credit and debt on personal money management.
4.2.1 Discuss the purpose and role of credit and explain the value of building and maintaining a healthy credit rating, including the “Five C’s of Credit”: character, capacity, capital, collateral, and conditions.
4.2.2 Explore and discuss the pros and cons of basic types of credit, such as unsecured vs. secured credit, credit cards, installment loans, revolving credit, student loans, and predatory lenders.
4.2.3 Describe the risks and responsibilities associated with using credit, such as APR, grace period, late fees, finance charges, default rates, interest, and closing costs.
4.2.4 Understand principal and interest calculations.
4.2.5 Calculate how long it takes to repay debt by making minimum payments on installment loans and revolving accounts.
4.2.6 Locate and use online calculators to determine principal and interest aggregate monthly for long-term debt such as mortgages, vehicles, personal loans, and credit cards.
4.2.7 Evaluate the costs and risks of payday and predatory lending.
4.2.8 Describe the personal and societal effects of bankruptcy and identify circumstances that lead to bankruptcy, such as uninsured medical costs, family break-up, or loss of job.
Objective 4.3: Explain and understand credit reports and scores.
4.3.1 Identify the three major credit bureaus.
4.3.2 Understand the legal right to a free annual credit report (AnnualCreditReport.com).
4.3.3 Evaluate and identify components of a credit report, including derogatory remarks, and the warning signs of credit abuse, such as late fees, missed payments, collection notices and bounced checks.
4.3.4 Explain the potential consequences of checking account mismanagement, such as non-sufficient funds (NSF) handling, overdraft processing, and the role of ChexSystems.
Objective 4.4: Define rights and responsibilities of buyers and sellers under consumer protection laws.
4.4.1 Understand financial contracts tied to consumer purchases, such as cell phone, cable or satellite plans and membership fees.
4.4.2 Discuss the negative impacts of predatory and payday lending practices.
4.4.3 Identify ways to avoid “identity theft” and fraud, such as securing sensitive financial data, using care when participating in online commerce, avoiding phishing and pharming, and properly disposing of sensitive documents.
4.4.4 Understand how to recover from fraud and identity theft.
4.4.5 Discuss ways to avoid financial schemes such ponzi schemes and other questionable and illegal practices.
4.4.6 Describe the negative consequences of gambling and playing the lottery.
4.4.7 Identify the pros and cons of online commerce, including how to conduct transactions safely.
Objective 4.5: Students will understand the role of government in protecting the consumer.
4.5.1 Explain the purposes and features of consumer protection laws.
4.5.2 Identify federal and state entities that exist to protect consumers from forms of fraud and abuse.