CURRICULUM MAP. Content Skills Assessment

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1 Month: September Mid October Essential Question: What is money? Enduring Understanding: How money was used in the past and where it is going in the future. PA Achievement Standard: Analyze the functions of money and examine all components necessary to insure a stable economy. Introduction to course, rules, regulations Demonstrate knowledge of functions of money Distinguish the concept of money vs. currency Recognize the role of the Federal Reserve Exhibit understanding of all terminology Identify the functions of money Discuss the Federal Reserve s purpose, mission, and function Understand the history & flow of money Understand how banks create money in the economy Basic financial planning Identify needs vs. wants, goal setting with time frames, and decision-making Examine earning power (correlation between education & wages) Identify the reasons to budget, the budgeting process, and the value of budgeting Vocabulary Quizzes Role-Playing activities Videos: Eye of the Storm; The Story of Money; Coin Minting; Federal Reserve Bank What Does Money Mean to Me Questionnaire Group Collage showing What Money Means To Me Money Current Event & Presentation Money Research Project (Individual) Money Unit Test Use of Websites: themint.org; federalreserve.org Standards: C, H, H, X, A, F, J

2 Month: Mid October Mid November Essential Question: What is involved in marketing a product? Enduring Understanding: How to conduct market research, identify a target market, create and successfully advertise a product. PA Achievement Standard: Recognize the concept of marketing and analyze the influence of advertising. Recognize and identify basic advertising techniques and appeals Identify logos/slogans/jingles Identify deceptive advertising techniques Exhibit an understanding of the elements of advertising Examine the major advertising media to teens and adults Knowledge of terminology Color used in advertising and reasoning Apply learned marketing techniques to decide on a product to sell Use of warning labels 5 W s of Advertising Identify logos/slogans/jingles Types of advertising media (advantages and disadvantages of each) Techniques and elements of advertising in all avenues Parts of a print advertisement Survey target markets Identify successful colors used in advertising Understand reasons why products fail Vocabulary Quizzes Videos: Top Ten Commercials Logo, Slogan, Jingle Group Poster Be Ad Aware Group Activity PBS Don t Buy It! Activity Identify parts of an ad for magazines & newspapers activity Product Failure Project (Partner) Hershey Online Scav Hunt Identify warning labels in your home activity Group: Create a Cereal Box Unit Project using all elements learned Sites: admongo.gov Advertising Unit Test Standards: CC E, CC B, C, D, E, E, G, I, W, B, B, I

3 Month: Mid November Beginning of January (Winter break) Essential Question: What role does decision-making play in the financial planning process? Enduring Understanding: To know what to look for when opening a checking account and successfully be able to open one for use. PA Achievement Standard: Analyze various banking services and perform and apply tasks associated with various checking accounts. Demonstrate understanding of bank services Differentiate between different types of checking accounts and plans by comparing & contrasting Integrate components of banking services by completing practical models in class How To Do Your Banking Green Books (info and mini simulation) Discussion and use of a signature card Types of Endorsements Bank Statements & Bank Reconciliation Online Banking and features offered Mobile Banking Demonstrate understanding of all types of banking services, such as: checking, savings, electronic transfers, deposits, bank cards, debit cards, direct deposit, etc. Simulation of check writing Understanding of all check parts Check Writing Tips & Techniques / How Checks Clear How to keep a Check Register with all appropriate elements & information Mini Deposit Simulation Hands-on practice with bank reconciliation How to Read a Bank Statement Vocabulary Quizzes YouTube Videos Researching a Bank Project (Small Group) w/ Presentation Sites: themint.org; practicalmoneyskills.com; several local bank websites Checking Challenge Packet simulation of keeping a Checking Account Mid-Term (30%): Checking Account Simulation Standards: CC E, CC C, FCS B, P, P, C, E, E, F

4 Month: Rest of January Beginning of February (about 3 weeks) Essential Question: What role does decision-making play in the financial planning process? Enduring Understanding: To understand and classify personal goals and how to save money to reach those goals. PA Achievement Standard: Analyze various banking services and perform and apply tasks associated with various savings & investment accounts. Demonstrate understanding of bank services Differentiate between different types of savings accounts and plans by comparing & contrasting Benefit and decoding of Short term, Intermediate, and Long term Goals Understand the difference between simple and compound interest Opportunity Cost Saving Terminology Use of online calculators Understand how the Rule of 72 works Pay Yourself First (PYF) Concept Risk to Return Pyramid Look at several types of savings accounts with advantages and disadvantages of each How To Do Your Banking Green Books (Savings Chapter) Tips on how to Save Based on Student s Goals How to calculate the Rule of 72 Math calculations of simple interest Math calculation of compound interest Demonstrate knowledge of Opportunity Cost Vocabulary Quizzes Online Quizzes based on Goals & Saving Ideas Creation of Vision Boards Are you a Saver or Spender? Sites: mint.org; practicalmoneyskills.com; bankrate.com; Are you a Saver or Spender? Decisions, Decisions Assignment The Tale of Two Savers (Opportunity Cost) Rule of 72 Worksheet Standards: CC B, B, G, H, H, I, J, J, Q, Q, R, R

5 Month: Rest of February Beginning of April Essential Question: What are stocks and how can I invest in the stock market? Enduring Understanding: The level of risk affects the potential for reward. PA Achievement Standard: Analyze different investment options and compare and contrast future financial opportunities. Understand the history of the NYSE, Recognize the functions of the New including current trends, importance of Vocabulary Quizzes York Stock Exchange opening & closing bell Recognize the functions of the Be familiar with the NYSE & NASDAQ NASDAQ websites Differentiate between different types of Understand the different types of investing investments: stock market, bonds, mutual Stock Market Video (History & funds, retirement plans, real estate, and Understand the importance of stock Current) certificates of deposits (CD s) market indicators such as The Dow & Sites: yahoo.com (Finance Link); Demonstrate knowledge about The Dow S&P 500 and why it is used as an indicator nyse.com; vse.market.com; Stock Market Terminology Be able to search and find the best and DOW Project & Presentation Differentiate between many different worst performing IPO s for the last 3, 6, (Individual) categories of stocks and 12 months. Terminology Quiz Understand the importance of IPO s Understand the process a company must DOW Current Event Assignment (Initial Public Offering) go through to release an IPO. Different Ways to Search a Stock Learn how to search for different types Be able to search stocks by type, industry, Worksheets (numerous) of stocks through different avenues sector, number of employees, IPO, stock Stock Market Simulation Computer stock market math problems symbol, company name, dividend, market - Online requirements for game showing either a capital gain or loss cap, and the market it s traded on. - Ten Products Worksheet and dividend income Transfer knowledge through the Stock Market Game (online) Calculate capital gain/loss and dividend income through many different stock market word problems. How to hypothesize whether stock process will increase or decrease based on news headlines - Stock Research for 10 companies Stock Market Test (Multiple Choice & Stock Math Problems) Stock Market Game (2 weeks) Standards: CC E, CC D, I, B, E, A, R

6 Month: April - May Essential Question: How do financial decisions made today affect the future? Enduring Understanding: Credit is an essential tool used to establish financial independence. PA Achievement Standard: Analyze the various types of credit and examine all aspects of using credit responsibly. Distinguish between the different types of credit Understand the reasons for obtaining credit Understand the advantages and disadvantages of using credit Demonstrate knowledge of rights and responsibilities as a consumer Recognize why banks issue credit Recognize the value of a good credit history Understanding of credit terminology Exhibit knowledge of using credit wisely Understand the three C s of credit and examples for each: character, capital, and capacity. Distinguish between the three types of credit and be able to identify examples: single-payment, installment, and revolving. Understand why credit is important by examining all advantages and disadvantages. Identify reasons why a person would want/need credit Identify rights to all consumers (usually updates yearly) Be able to calculate loan math problems based on different types of interest and type of credit Understand the Rule (how much debt can you afford) Vocabulary Quizzes Videos: How to Use Credit; Quest for Credit Sites: themint.org; practicalmoneyskills.com; teensguidetomoney.com; credittalk.com True Cost of Credit Worksheet Examining / Decoding of Credit Scores Credit Unit Test Standards: CC D, A, A, B, F, G, G, H, H, K, K, L, L, M

7 Month: June Essential Question: How will insurance benefit me? Enduring Understanding: Different types of insurance are a part of life that is necessary to protect you and your family. There are common financial risks and ways to manage risks. PA Achievement Standard: Analyze choices available to consumers for protection against risk and financial loss. Understand the basic insurance terminology through the use of Vocabulary Quizzes Exhibit understanding of basic insurance terminology Recognize the different types of insurance Obtain, evaluate, and compare auto insurance policies Understand how risk classification works concerning consumers Identify the features of various insurance policies Understand how insurance plays a role in everyday life Students will be an active participant during the preparation for the Final Exam vocabulary review worksheets Recognize the difference and be able to indentify functions of the different types of insurance: automobile, property, life, and health Identify and understand the various terms of automobile insurance: liability, collision, and comprehensive Understand and be able to identify different rating variables based on consumers behaviors and material items With the use of their notebook, students will be able to review for the final exam in small groups will be reviewed in class Examining / Decoding of several automobile insurance policies Case studies based on different consumers look at past history, age, type of car, etc. Be able to decipher what type of auto insurance would be best Insurance Unit Test Final Exam Review Packet covers all units during school year Final Exam 2 days, 50 questions each day Standards: CC E, D, E, N, N

8 STRAND STANDARD NO. STANDARD CC Reading in Science and Technical Subjects CC Reading in Science and Technical Subjects CC Reading in Science and Technical Subjects CC Writing in Science and Technical Subjects FCS Financial and Resource Management CC B CC C CC D CC E B Determine the central ideas or conclusions of a text; trace the text s explanation or depiction of a complex process, phenomenon, or concept; provide an accurate summary of the text. Follow precisely a complex multistep procedure when carrying out experiments, taking measurements, or performing technical tasks, attending to special cases or exceptions defined in the text. Determine the meaning of symbols, key terms, and other domain-specific words and phrases as they are used in a specific scientific or technical context relevant to grades 9-10 text and topics. Use technology, including the Internet, to produce, publish, and update individual or shared writing products, taking advantage of technology s capacity to link to other information and to display information flexibly and dynamically. Explain the responsibilities associated with managing personal finances such as savings, checking, credit, non-cash systems, incensements, and insurance. Accounting I Identify and classify the classes and rights of types of stock. Accounting P Identify and describe bank statements. Accounting P Analyze and perform the reconciliation of accounts. Career Management B Analyze a specific occupation within a career cluster C Create a research project based upon defined parameters D Evaluate business materials (including web based resources) for value related to purpose, quality, and appropriateness E Choose appropriate print and electronic resources to meet project need E Evaluate chosen print and electronic resources for advanced research G Employ appropriate presentation skills to lead discussion and team activities H Deliver presentations using a variety of techniques and media; employ conventions of language.

9 Computer and Information Technologies H Evaluate presentations for language, proper techniques, and media choices I Synthesize information gathered from multiple sources W Collaborate via electronic communication with peers, educators, and/or professionals to meet organizational goals X Identify the diversity within a work group and the strategies for effect communication A Analyze the influence of emerging technologies on daily life A Evaluate the impact of internal and external influences on financial decisions B B Discuss the importance of developing short, medium, and long-term personal financial goals. Analyze financial decisions for major purchasing events occurring at different stages in life, systematically considering alternatives and consequences F Evaluate criteria for personal spending in relation to the economic climate G Discuss the need for money management G Identify strategies for personal financial management H H I J J K K Compare and contrast advantages and disadvantages of various options of paying for short and longterm purchases. Evaluate payment methods for major purchases. Compare advantages and disadvantages of different financial institutions relating to saving, inventing, and borrowing. Explain the difference between simple and compound interest. Analyze the total cost of a major purchase loan agreement using fixed and variable interest rates, calculated over time. Investigate factors that contribute to a positive or negative credit history. Analyze the impact of a positive or negative credit history.

10 L Analyze the components and value of credit reports for consumers, borrowers, and lenders L Research major consumer credit laws and their impact on individuals in debt M Examine steps to minimize exposure to identity theft N Examine the purpose and importance of various types of insurances. Compare and contrast various suppliers of insurance products and develop criteria to evaluate N individual insurance needs Q Calculate investment growth using varying rates of return Q Apply the Rule of 72 to estimate the number of periods required to double an investment R Evaluate the benefits of a diversified portfolio R Compare and contrast various investment plans to achieve goals of liquidity, income, and growth. Marketing B Describe how businesses influence purchasing decisions. Marketing B Analyze how marketing influences today s households, businesses, and society; included but not limited to business-to-consumer, business-to-business, and consumer-to-consumer. Marketing I Design a comprehensive promotion plan for a product or service. Transfer Tasks: Researching a Bank Project Stock Market Simulation Research & Game Cereal Box Project Credit Interview Presentation Identify Parts of an Advertisement DOW Project Checking Simulation Mid-Term Introduction to Business Final Exam