eschool Course Syllabus

eschool Course Syllabus Syllabus for Money Matters The Plano ISD eschool Mission is to create a borderless classroom based on a positive student-teacher relationship that fosters independent, innovative critical thinking and empowers students to thrive, contribute, and compete in a global society. Course Number: 13016200 Course Title: Money Matters Communications All communication with your teacher will be through the utilization of electronic tools such as email and discussion boards. Your assignments will be submitted directly into the Blackboard Learning Management System. You will receive a Welcome email from your teacher when your course is ready for you. You may email your teacher at any time with questions that you might have. Course Description In this course, students will investigate global economics with emphasis on the free enterprise system and its impact on consumers and businesses. They will apply critical-thinking skills to analyze financial options based on current and projected economic factors, gain knowledge and skills necessary to set long-term financial goals based on those options, and determine methods of achieving long-term financial goals through investment, tax planning, asset allocation, risk management, retirement planning, and estate planning. Course Objectives and Student Learning Outcomes Upon successful completion of this course, the student will be able to: demonstrate an understanding of the fundamental principles of money; describe economic systems; discuss economic concepts impacting finance; use career planning concepts, tools, and strategies to explore, obtain, and develop a career in the area of financial planning; analyze personal financial needs and goals based on current and projected economic factors; describe the use of financial service providers; manage personal finances to achieve financial goals; compare and contrasts investment strategies; employ sociological knowledge to facilitate finance activities; apply psychological knowledge to facilitate finance activities; explain the impact of government on business activities within a free enterprise system; describe economic indicators impacting financial decision making; determine impact of global/international trade on business decision making; understand the importance of financial markets in business; develop an understanding of the nature of asset values; use sources of securities information to make informed financial decisions; use career planning concepts, tools, and strategies to explore, obtain, and develop a career in the area of financial planning; Page 1 of 15

identify potential business threats and opportunities to protect a business's financial well-being; simulate the obtaining of business credit and controlling its use; demonstrate an understanding of methods to manage financial resources to ensure solvency; and simulate using debt and equity capital to raise funds for business growth. Prerequisites Basic computer skills are necessary to progress normally through your online course. It is not necessary to be an expert, but a student must know how to use the basic capabilities of a computer: e.g. using the keyboard and mouse, Internet browsing, and open/save files on your computer. Hardware: Students must have a working, current computer available, with adequate storage to download and save large files. A display of at least 1024X768 resolution is preferred. A sound card and speakers will be required for most courses, and a microphone is required for language courses. The availability of a printer is recommended Software/Applications: Microsoft Office (2007 or higher) or a similar word processing, spreadsheet and presentation manager is required. A current version of a web browser (such as Internet Explorer, Cortana, Firefox, Safari, Chrome), is required. Adobe Acrobat Reader (free download) is required in many courses. Internet Connectivity: Students must have availability of a working Internet connection. Direct highspeed Internet connection is recommended. Email: Students must have an active, functioning email account with an appropriate email address to use for communicating with your teacher throughout the course and for communications with the eschool office. Course Materials No textbooks are required for this course. Course Management Policies The instructor adapts to the district IEP whenever instructionally and technically possible. As a first step in collecting all of the information that is needed to work with each student effectively, we ask that the student, or the receiving district site coordinator on the student s behalf, log onto the website planoisdeschool.net and complete the online registration process. Please complete this registration process as soon as possible to allow time to set up the course and send the student the information to access it and begin working. Academic Integrity/Copyright Policy: Academic integrity violations, plagiarism, and copyright violations will not be tolerated. The Introductory unit of your course will teach you the details of PISD s expectations on such topics. Your teacher will utilize plagiarism check tools throughout the course. Online Etiquette ( Netiquette ): Netiquette is meant to help you communicate professionally and effectively in an online collaborative setting. Students will follow all guidelines relating to internet etiquette and will communicate respectfully with all people. The Introductory unit of your course will teach you the details of PISD s expectations on such topics. Your course will contain discussion boards, journals, blogs and/or wikis where your netiquette is important. Privacy Policy: Plano ISD s FERPA policy may be found at http://pol.tasb.org/policy/code/312?filter=fl Page 2 of 15

Grading and Evaluation In order to earn credit for an online course, a student must: 1. complete all course work and 2. in that process of completing all course work, earn a passing average of at least 70. That average is determined by the number of points that a student earns divided by the total number of points available in the course. For example, if you earn 1490 points in the course, your grade will be: 1490 1828 = 0.815 for a grade of 82. A student or parent may check the course grade at any time. The first step is to log into the course. On the toolbar to the left, click the tab for Tools, and then click My Grades. Teacher discretion may always be used when accepting and grading work. Please note that a teacher may deduct points for work submitted past the student s specific due date/s. If all course work is not submitted before the specified course end date, the student will not be awarded credit for the course. Assessments: All courses contain a number of self-assessments (allowing the student to gauge their understanding of the material before proceeding to a graded assessment. Graded assessments include quizzes as well as exams. The student s school district (known as the receiving district), is required to provide proctors for major exams. Class Participation: Every student will have a specific schedule for completing and submitting assignments and tests. Students are required to adhere to their schedule. Students must maintain consistent email communication with their teacher. Students must complete the discussion assignments and collaborative activities throughout the course. Students who are not adhering to their course schedule or students who are not maintaining the basic requirements of participation, such as maintaining email communication with their teacher, may be dropped from the course. Drop Policy: Students may choose to drop the course within 15 days from their start date without penalty. Notify your school s/district s site coordinator to have them indicate such a drop situation to TxVSN. Page 3 of 15

Course Content Outline Unit Course Content and Assignments Introductory Unit Unit Objective Upon completion of this unit, the student will be able to: understand terms related to academic integrity such as plagiarism, cheating, paraphrasing, quoting, citing, public domain, fair use, academic dishonesty, copyright, self-plagiarism; identify guidelines for avoiding academic dishonesty; identify guidelines for Netiquette to be followed during this course; use basic Internet and software skills necessary to complete this course; use Discussion Boards in this course; and demonstrate mastery of the introductory unit objectives. Assignments Journal Activity Time Magazine vs. the National Enquirer Surfing the Web Activity Plagiarism and Netiquette Notes and Activities Netiquette Discussion Board Page 4 of 15

Unit 1 Unit Course Content and Assignments Fundamentals of Business in a Free Enterprise System Unit Objectives Upon successful completion of this unit, the student will be able to: explain forms of financial exchange, including cash, credit, debit, and electronic funds transfer; compare and contrast various types of currency, including paper money, coins, banknotes, government bonds, and treasury notes; identify functions of money, including medium of exchange, unit of measure, and store of value; describe sources of income, including wages and salaries, interest, rent, dividends, capital gains, and transfer payments; explain the time value of money; discuss the purposes and importance of credit; explain legal responsibilities associated with financial exchanges; compare the types of economic systems and market structures; explain the concept of private enterprise, including sole proprietorships, partnerships, and corporations; identify and analyze the impact of economic concepts in historical documents, including the United States Constitution; identify factors affecting profit, revenue, and expenses; determine factors affecting business risk; explain the concept of competition; describe market structures; understand the rights and responsibilities of consumers within various economic systems; distinguish between economic goods and services; analyze the impact of technological innovations on the marketing and distribution of goods and services; explain the concept of economic resources; describe the concepts of economics and economic activities; determine economic utilities created by business activities; explain the relationship between supply and demand; and describe the functions of prices in markets. Page 5 of 15

Unit 1 Unit Course Content and Assignments Multimedia / Economic Systems Market Structure Business Organization Demand, Supply, and Market Interaction Principles of Money Readings Scarcity, Factors of Production, and Economic Systems Notes Market Structure Notes Business Organization Notes Demand Notes Supply Notes Assignment Factors of Production Practice Demand, Supply, and Market Interaction Activity Technology Article Analysis Money, Income, and Currency Activity Discussion Free Enterprise Discussion Board Blog Price System Blog Journal Being an Entrepreneur Journal Credit and Debt Journal Assessment Spectrum Self-Check Market Structure and Business Organization Self-Check Demand and Supply Self-Check Demand, Supply, Interaction Quiz Functions of Money Self-Check Unit 1 Test Page 6 of 15

Unit Course Content and Assignments Unit 2 Personal Finance Unit Objective Upon successful completion of this unit, the student will be able to: discuss the nature and benefits of financial planning; discuss the role of ethics and personal responsibility in financial planning; compare and contrast roles, responsibilities, licensing and certification programs for careers related to managing and analyzing personal and corporate financial portfolios, including financial planner, financial manager, financial analyst, controller, risk manager, cash manager, treasurer, and chief financial officer; explain the nature of financial needs, including college, retirement, wills, and insurance; set personal financial goals; justify how those personal financial goals are realistic within the current and projected economy; develop a budget based on personal financial goals; explain the benefits of saving and investing; explain the nature of tax liabilities; interpret a pay stub; read and reconcile bank statements; maintain financial records; demonstrate the wise use of credit; validate a credit history; protect against identity theft; prepare personal income tax forms, including the 1040E; explain types of investments and illustrate an example of the responsible purchase, use, or disposal of personal and business property; explain the nature of capital investment; and establish investment goals and objectives. Page 7 of 15

Unit 2 Unit Multimedia / Personal Financial Needs Your Credit and Identity Investment Strategies Course Content and Assignments Readings Bank Statement Notes Assignment Career Exploration Activity Personal Financial Needs and Goals Activity Budget App Activity Credit Validation Activity Credit Wise Activity Protect Your Identity Advertisement/Poster Pay Stub Activity Tax Activity Responsible Investing Activity Discussion Board Ethics and Personal Responsibility in Financial Planning Discussion Board Blog Who are Financial Planners? Blog Benefits of Financial Planning Assessment Financial Planning Self-Check Bank Statement Quiz Personal Money Matters Self-Check Unit 2 Test Page 8 of 15

Unit 3 Unit Human Behavior and Finance Course Content and Assignments Unit Objective Upon completion of this unit, the student will be able to: analyze and interpret complex societal issues, events, and problems; analyze and evaluate the validity of information and statistics from primary and secondary sources for bias, propaganda, point of view, and frame of reference; reach reasoned conclusions; examine social beliefs, ethics, influences, and behavior; analyze group dynamics; assess human behavior, including the impact of technological innovations or communication; recognize factors influencing perception; identify sources of attitude formation; assess methods used to evaluate attitudes; identify social and cultural strata; determine behavioral effects of social and cultural strata; analyze effects of others on individual behavior; predict likelihood of conformity and obedience; determine significance of aggression; recognize factors affecting personality; evaluate the nature of change over a lifetime; identify sources of stress; detail reactions to stress; employ strategies for dealing with stress; investigate factors affecting motivation; analyze cues to basic drives and motives; and analyze the development of motives. Multimedia / Behavior Perception Stress Assignment Left vs. Right Activity Behavior Activity Behavior Survey Attitude and Personality Activity Motives Lesson and Activity Stress Smarts Activity Page 9 of 15

Unit 3 Unit Discussion Board Course Content and Assignments Occupy Wall Street Discussion Board Conformity/Obedience Discussion Board Journal Money, Behavior, and Group Dynamics Journal Assessment Behavior Self-Check Perceptions, Attitudes, and Personality Self-Check Unit 3 Test Unit 4 Government, International Money and Business Unit Objective Upon successful completion of this unit, the student will be able to: determine the relationship between government and business; describe the nature of taxes; discuss the nature of monetary policy; discuss the supply and demand for money; explain the role of the Federal Reserve System; explain the concept of fiscal policies; describe the effects of fiscal and monetary policies; describe the concept of price stability as an economic measure; discuss the measure of consumer spending as an economic indicator; discuss the impact of a nation's unemployment rates; explain the concept of Gross Domestic Product; describe the economic impact of inflation on business; explain unemployment and inflation tradeoffs; explain the economic impact of interest rate fluctuations; determine the impact of business cycles on business activities; explain the nature of global trade; describe the determinants of exchange rates and their effects on the domestic economy; discuss the impact of cultural and social environments on global trade; and explain labor issues associated with global trade. Page 10 of 15

Unit 4 Unit Multimedia / Course Content and Assignments Exchange Rates Video Readings Economic Indicators Notes Government Regulation Notes Economic Regulation Notes Money, The Federal Reserve, and Monetary Policy Notes International Trade Notes Assignment Economic Indicators Activity Government Regulatory Agencies The Role of the Federal Reserve Activity Monetary Policy Activity Impact of Culture and Society on Foreign Trade Government, International Money and Business Project Discussion Board Impact of Government on Business Discussion Board Blog Impact of Free Trade on Labor Blog Assessment Economic Indicators Self-Check Government Impact Self-Check Money Self-Check Page 11 of 15

Unit Course Content and Assignments Unit 5 Financial Markets Unit Objective Upon successful completion of this unit, the student will be able to: describe the role of financial institutions, explain types of financial markets, including money markets, securities markets, property market, and market for risk transfer; describe factors that affect the value of an asset, including cash flow, growth rate, timing, inflation interest rate, opportunity cost, risk, and required return; read and interpret the value of an asset; describe sources of securities information, charts, and graphs; and read and interpret securities tables. Multimedia / Reading Securities Readings Financial Institutions Notes and Readings Financial Markets Notes Asset Value Notes Assignment Sources of Financial Data Activity Reading Securities Tables Mutual Funds Activity Unit 5 Project Financial Advising Discussion Board Property Market Discussion Board Assessment Financial Markets Self-Check Asset Values Self-Check Page 12 of 15

Unit Course Content and Assignments Unit 6 Business Operations Unit Objective Upon successful completion of this unit, the student will be able to: describe the concept of insurance; simulate obtaining insurance coverage; simulate settling insurance losses; identify speculative business risks; explain the nature of risk management; explain the purposes and importance of obtaining business credit; analyze critical banking relationships; make critical decisions regarding acceptance of bank cards; determine financing needed for business operations; identify risks associated with obtaining business credit; explain sources of financial assistance; explain loan evaluation criteria used by lending institutions; simulate completing a loan application package; describe the nature of budgets; explain the nature of operating budgets; describe the nature of cost-benefit analysis; determine relationships among total revenue, marginal revenue, output, and profit; simulate developing a company department budget; forecast sales; calculate financial ratios; interpret financial statements; describe types of financial statement analysis, including ratio analysis and trend analysis; identify problems within financial statements; describe the financial needs of a business at different stages of development; discuss factors to consider in choosing between debt and equity capital; and explain the significance of capital structure. Page 13 of 15

Unit 6 Unit Multimedia / s Course Content and Assignments Risks and Risk Management Business Credit Managing Financial Resources Debt and Equity Capital Readings Risks and Risk Management Notes Business Credit Notes Managing Financial Resources Notes Debt and Equity Capital Notes Assignment Commercial Insurance Chart Applying for Insurance Activity Banking Relationships and Bank Cards Activity Operating Expenses Worksheet Sources of Financial Assistance Chart Cost and Revenue Worksheet Creating a Department Budget Activity Financial Statement Worksheet Managing Financial Resources Notes Debt and Equity Capital Worksheet Loan Application Portfolio Discussion Board Business Credit Discussion Board Budgets Discussion Board Stages of Development Needs Discussion Board Journal Risk Management and Loss Settlement Journal Assessment Business Risks Self-Check Risks and Risk Management Quiz Credit Risks Self-Check Financial Statement Problems Self-Check Part 1 Part 2 - Essay Page 14 of 15

130.162. Money Matters (One-Half Credit). (a) General requirements. This course is recommended for students in Grades 9-12. Recommended prerequisite: Principles of Business, Marketing, and Finance. (b) Introduction. Students will investigate global economics with emphasis on the free enterprise system and its impact on consumers and businesses. Students apply criticalthinking skills to analyze financial options based on current and projected economic factors. Students will gain knowledge and skills necessary to set long-term financial goals based on those options. Students will determine methods of achieving long-term financial goals through investment, tax planning, asset allocation, risk management, retirement planning, and estate planning. (c) Knowledge and skills.

TEKS Reqm nt Actual How / where addressed (1) The student uses career planning concepts, tools, and strategies to explore, obtain, and develop a career in the area of financial planning. The student is expected to: (A) discuss the nature and benefits of financial planning; (B) discuss the role of ethics and personal responsibility in financial planning; and (C) compare and contrast roles, responsibilities, licensing and certification programs for careers related to managing and analyzing personal and corporate financial portfolios, including financial planner, financial manager, financial analyst, controller, risk manager, cash manager, treasurer, and chief financial officer. Understand Understand U2A1 Who are Financial Planners Blog U2A4 - Benefits of Financial Planner Blog Understand Understand U2A2 Ethics and Personal Responsibility in Financial Planning Discussion Board Analyze Analyze U2A3 Career Exploration Activity (2) The student demonstrates an understanding of the fundamental principles of money. The student is expected to: (A) explain forms of financial exchange, including cash, credit, debit, and electronic funds transfer; (B) compare and contrast various types of currency, including paper money, coins, banknotes, government bonds, and treasury notes; (C) identify functions of money, including medium of exchange, unit of measure, and store of value; Understand Understand U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A25 - Money, Income, and Currency Activity Analyze Analyze U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A25 - Money, Income, and Currency Activity Understand Understand U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A24 - Functions of Money Self-Check

TEKS (D) describe sources of income, including wages and salaries, interest, rent, dividends, capital gains, and transfer payments; (E) explain the time value of money; (F) discuss the purposes and importance of credit; and (G) explain legal responsibilities associated with financial exchanges. Reqm nt Actual How / where addressed Understand Understand U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A25 - Money, Income, and Currency Activity Understand Understand U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A25 - Credit and Debt Journal Understand Understand U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A25 - Credit and Debt Journal Understand Understand U1A22 - Principles of Money Notes U1A23 - Principles of Money U1A25 - Credit and Debt Journal (3) The student describes economic systems. The student is expected to: (A) compare the types of economic systems and market structures; Analyze Analyze U1A1- Scarcity, Factors of Production, and Economic Systems Notes U1A2 - Economic Systems U1A3 - Economic Systems Self-Check U1A4 Factors of Production Practice U1A7 - Market Structures Notes U1A8 - Market Structures U1A9 - Business Organizations Notes U1A10 - Business Organizations U1A11 - Market Structures and Business Organizations Self-Check

TEKS (B) explain the concept of private enterprise, including sole proprietorships, partnerships, and corporations; (C) identify and analyze the impact of economic concepts in historical documents, including the United States Constitution; (D) identify factors affecting profit, revenue, and expenses; Reqm nt Actual How / where addressed Understand Understand U1A7 - Market Structures Notes U1A8 - Market Structures U1A9 - Business Organizations Notes U1A10 - Business Organizations U1A11 - Market Structures and Business Organizations Self-Check Analyze Analyze U1A1- Scarcity, Factors of Production, and Economic Systems Notes U1A2 - Economic Systems U1A3 - Economic Systems Self-Check U1A6 - Free Enterprise Discussion Board Understand Understand U1A7 - Market Structures Notes U1A8 - Market Structures U1A9 - Business Organizations Notes U1A10 - Business Organizations U1A11 - Market Structures and Business Organizations Self-Check U1A12 - Being an Entrepreneur Journal U1A13 Demand Notes U1A14 Supply Notes U1A15 Equilibrium Notes U1A16 - Demand, Supply, and Market Interaction U1A17 - Demand and Supply Self-Check U1A18 - Demand, Supply, and Market Interaction Activity U1A9 Demand, Supply, and Interaction Quiz U1A20 - Technology Article Analysis

TEKS (E) determine factors affecting business risk; (F) explain the concept of competition; (G) describe market structures; and Reqm nt Actual How / where addressed Apply Apply U1A7 - Market Structures Notes U1A8 - Market Structures U1A9 - Business Organizations Notes U1A10 - Business Organizations, U1A11 - Market Structures and BusinessOrganizations Self-Check U1A12 - Being an Entrepreneur Journal U1A13 Demand Notes U1A14 Supply Notes U1A15 Equilibrium Notes U1A16 - Demand, Supply, and Market Interaction U1A17 - Demand and Supply Self-Check U1A18 - Demand, Supply, and Market Interaction Activity U1A9 Demand, Supply, and Interaction Quiz U1A20 - Technology Article Analysis Understand Understand U1A7 - Market Structures Notes U1A8 - Market Structures U1A9 - Business Organizations Notes U1A10 - Business Organizations U1A11 - Market Structures and Business Organizations Self-Check Understand Understand U1A7 - Market Structures Notes U1A8 - Market Structures, U1A9 - Business Organizations Notes U1A10 - Business Organizations U1A11 - Market Structures and Business Organizations Self-Check

TEKS (H) understand the rights and responsibilities of consumers within various economic systems. Reqm nt Actual How / where addressed Understand Understand U1A1- Scarcity, Factors of Production, and Ecnomics Systems Notes U1A2 - Economic Systems U1A5 Factors of Production Quiz U1A6 - Free Enterprise Discussion Board (4) The student explains the impact of government on business activities within a free enterprise system. The student is expected to: (A) determine the relationship between government and business; Apply Evaluate U4A7 Impact of Government on Business Discussion Board (B) describe the nature of taxes; Understand Understand U4A4 Government Regulation Notes (C) discuss the nature of monetary policy; Understand Application U4A18 Government, International Money, and Business Project (D) discuss the supply and demand for money; Understand Application U4A18 Government, International Money, and Business Project (E) explain the role of the Federal Reserve System; Understand Understand U4A11 The Role of the Federal Reserve Activity (F) explain the concept of fiscal Understand Application U4A18 Government, International Money, policies; and (G) describe the effects of fiscal and monetary policies. and Business Project Understand Evaluate U4A18 Government, International Money, and Business Project (5) The student discusses economic concepts impacting finance. The student is expected to: (A) distinguish between economic Analyze U1A7 - Market Structures Notes goods and services; Analyze U1A8 - Market Structures U1A10 - Business Organizations U1A12 - Being an Entrepreneur Journal

TEKS (B) analyze the impact of technological innovations on the marketing and distribution of goods and services; (C) explain the concept of economic resources; (D) describe the concepts of economics and economic activities; Reqm nt Actual How / where addressed Analyze Analyze U1A13 Demand Notes U1A14 Supply Notes U1A15 Equilibrium Notes U1A16 - Demand, Supply, and Market Interaction U1A20 - Technology Article Analysis Understand Understand U1A1- Scarcity, Factors of Production, and Ecnomics Systems Notes U1A2 - Economic Systems U1A4 Factors of Production Practice Understand Understand U1A1- Scarcity, Factors of Production, and Ecnomics Systems Notes U1A2 - Economic Systems U1A7 - Market Structures Notes U1A8 - Market Structures U1A10 - Business Organizations U1A13 Demand Notes U1A14 Supply Notes U1A15 Equilibrium Notes U1A16 - Demand, Supply, and Market Interaction U1A22 - Principles of Money Notes U1A23 - Principles of Money

TEKS (E) determine economic utilities created by business activities; (F) explain the relationship between supply and demand; and (G) describe the functions of prices in markets. Reqm nt Actual How / where addressed Apply Apply U1A7 - Market Structures Notes U1A8 - Market Structures U1A10 - Business Organizations U1A13 Demand Notes U1A14 Supply Notes U1A15 Equilibrium Notes U1A16 - Demand, Supply, and Market Interaction Understand Understand U1A17- Demand and Supply Self-Check U1A18 - Demand, Supply, and Market Interaction Activity U1A19 Demand, Supply, and Interaction Quiz Understand Understand U1A13 Demand Notes U1A14 Supply Notes U1A15 Equilibrium Notes U1A16 - Demand, Supply, and Market Interaction U1A21 - Price System Blog (6) The student describes economic indicators impacting financial decision making. The student is expected to: (A) describe the concept of price Understand Analyze U4A2 Economics Indicators Activity stability as an economic measure; (B) discuss the measure of Understand Understand U4A2 Economics Indicators Activity consumer spending as an economic indicator; (C) discuss the impact of a nation's Understand Analyze U4A2 Economics Indicators Activity unemployment rates; (D) explain the concept of Gross Domestic Product; Understand Analyze U4A2 Economics Indicators Activity

TEKS (E) describe the economic impact of inflation on business; (F) explain unemployment and inflation tradeoffs; (G) explain the economic impact of interest rate fluctuations; and (H) determine the impact of business cycles on business activities. Reqm nt Actual How / where addressed Understand Understand U4A1 Economics Indicators Notes Understand Analyze U4A2 Economics Indicators Activity Understand Analyze U4A18 - Government, International Money and Business Project Apply Analyze U4A18 - Government, International Money and Business Project (7) The student determines the impact of global/international trade on business decision making. The student is expected to: (A) explain the nature of global Understand Understand U4A13 International Trade Notes trade; (B) describe the determinants of exchange rates and their effects on the domestic economy; Understand Analyze U4A18 - Government, International Money and Business Project (C) discuss the impact of cultural and social environments on global trade; and (D) explain labor issues associated with global trade. Understand Application U4A17 - Impact of Culture and Society on Free Trade Understand Evaluate U4A14 - Impact of Trade on Labor Blog (8) The student employs sociological knowledge to facilitate finance activities. The student is expected to: (A) analyze and interpret complex Analyze Analyze U3A2 Occupy Wall Street Discussion Board societal issues, events, and problems; (B) analyze and evaluate the Evaluate Evaluate U3A1 Right Vs. Left Activity validity of information and statistics from primary and secondary sources for bias, propaganda, point of view, and frame of reference; (C) reach reasoned conclusions; Analyze Analyze U3A1 Right Vs. Left Activity (D) examine social beliefs, ethics, influences, and behavior; Analyze Analyze U3A7 Money, Behavior, and Group Dynamics Journal (E) analyze group dynamics; and Analyze Analyze U3A7 Money, Behavior, and Group Dynamics Discussion Board

TEKS (F) assess human behavior, including the impact of technological innovations or communication. Reqm nt Actual How / where addressed Analyze Analyze U3A3 Behavior U3A5 - Behavior Activity U3A6 - Behavior Survey (9) The student applies psychological knowledge to facilitate finance activities. The student is expected to: (A) recognize factors influencing perception; Understand Understand U3A9 Perception U3A15 Unit 3 Test (B) identify sources of attitude formation; Understand Understand U3A9 Perception U3A15 Unit 3 Test (C) assess methods used to evaluate attitudes; Analyze Analyze U3A9 Perception U3A11 - Attitude and Personality Activity (D) identify social and cultural strata; Understand Understand U3A3 Behavior U3A15 Unit 3 Test (E) determine behavioral effects of Apply Apply U3A6 - Behavior Survey social and cultural strata; (F) analyze effects of others on Analyze Analyze U3A5 - Behavior Activity individual behavior; (G) predict likelihood of conformity and obedience; Analyze Analyze U3A8 Conformity/Obedience Discussion Board (H) determine significance of Apply Apply U3A5 - Behavior Activity aggression; (I) recognize factors affecting personality; Understand Understand U3A9 Perception U3A15 Unit 3 Test Evaluate Evaluate U3A14 Stress Smarts Activity (J) evaluate the nature of change over a lifetime; (K) identify sources of stress; Understand Understand U3A13 Stress U3A15 Unit 3 Test (L) detail reactions to stress; Understand Understand U3A13 Stress U3A15 Unit 3 Test, (M) employ strategies for dealing with stress; Apply Apply U3A14 Stress Smarts Activity

TEKS (N) investigate factors affecting motivation; (O) analyze cues to basic drives and motives; and (P) analyze the development of motives. Reqm nt Actual How / where addressed Analyze Analyze U3A12 Motives Lesson and Activity Analyze Analyze U3A12 Motives Lesson and Activity Analyze Analyze U3A12 Motives Lesson and Activity (10) The student analyzes personal financial needs and goals based on current and projected economic factors. The student is expected to: (A) explain the nature of financial needs, including college, retirement, wills, and insurance; Understand Understand U2A6 Personal Financial Needs, U2A7 Personal Financial Needs and Goals Activity (B) set personal financial goals; Create Create U2A7 Personal Financial Needs and Goals and (C) justify how those personal financial goals are realistic within the current and projected economy. Activity Evaluate Evaluate U2A7 Personal Financial Needs and Goals Activity (11) The student manages personal finances to achieve financial goals. The student is expected to: (A) develop a budget based on personal financial goals; Create Create U2A6 Personal Financial Needs U2A8 - Budget App Activity (B) explain the benefits of saving and investing; Understand Understand U2A18 Investment Strategies U2A19 Responsible Investing Activity (C) explain the nature of tax Understand Understand U2A16 Tax Activity liabilities; (D) interpret a pay stub; Analyze Analyze U2A13 - Pay Stub Activity U2A20 - Unit 2 Test (E) read and reconcile bank statements; Apply Apply U2A14 Bank Statement Notes U2A20 - Unit 2 Test (F) maintain financial records; Apply Apply U2A10 - Credit Validation Activity (G) demonstrate the wise use of Apply Apply U2A11 - Credit Wise Activity credit; (H) validate a credit history; Evaluate Evaluate U2A10 - Credit Validation Activity

TEKS Reqm nt Actual How / where addressed (I) protect against identity theft; and Apply Apply U2A9 Your Credit and Identity U2A12 - Protect Your Identity Advertisement/ Poster Activity (J) prepare personal income tax forms, including the 1040E. Apply Apply U2A16 Tax Activity (12) The student describes the use of financial service providers. The student is expected to: (A) describe types of financial service providers; and (B) discuss considerations in selecting a financial service provider. Understand Understand U2A4 Benefits of Financial Planning Blog Understand Understand U2A4 Benefits of Financial Planning Blog (13) The student compares and contrasts investment strategies. The student is expected to: (A) explain types of investments Apply Apply U2A19 Responsible Investing Activity and illustrate an example of the responsible purchase, use, or disposal of personal and business property; (B) explain the nature of capital investment; and Understand Understand U2A18 Investment Strategies U2A19 Responsible Investing Activity (C) establish investment goals and objectives. U2A20 - Unit 2 Test Apply Apply U2A19 Responsible Investing Activity (14) The student identifies potential business threats and opportunities to protect a business's financial well-being. The student is expected to: (A) describe the concept of insurance; Understand Understand U6A1 Risks and Risk Management Notes, U6A2 - Commercial Insurance Chart U6A3 Risks and Risk Management (B) simulate obtaining insurance coverage; Apply Apply U6A1 Risks and Risk Management Notes U6A3 Risks and Risk Management U6A5 - Applying for Insurance Activity

TEKS (C) simulate settling insurance losses; (D) identify speculative business risks; and (E) explain the nature of risk management. Reqm nt Actual How / where addressed Apply Apply U6A1 Risks and Risk Management Notes U6A3 Risks and Risk Management U6A6 - Risk Management and Loss Settlement Journal Understand Understand U6A1 Risks and Risk Management Notes U6A3 Risks and Risk Management U6A4 - Business Risks Self-Check Understand Understand U6A1 Risks and Risk Management Notes U6A3 Risks and Risk Management U6A6 - Risk Management and Loss Settlement Journal U6A7 Risks and Risk Management Quiz (15) The student simulates the obtaining of business credit and controlling its use. The student is expected to: (A) explain the purposes and importance of obtaining business credit; Understand Understand U6A8 - Business Credit Notes U6A9 - Business Credit U6A10 - Business Credit Discussion Board (B) analyze critical banking relationships; (C) make critical decisions regarding acceptance of bank cards; (D) determine financing needed for business operations; (E) identify risks associated with obtaining business credit; Analyze Analyze U6A8 - Business Credit Notes U6A9 - Business Credit U6A11 - Banking Relationships and Bank Cards Activity Apply Apply U6A8 - Business Credit Notes U6A9 - Business Credit U6A11 - Banking Relationships and Bank Cards Activity Apply Apply U6A8 - Business Credit Notes U6A9 - Business Credit U6A12 - Operating Expenses Worksheet Understand Understand U6A8 - Business Credit Notes U6A9 - Business Credit U6A13 - Credit Risks Self-Check

TEKS (F) explain sources of financial assistance; (G) explain loan evaluation criteria used by lending institutions; and (H) simulate completing a loan application package. Reqm nt Actual How / where addressed Understand Understand U6A8 - Business Credit Notes U6A9 - Business Credit U6A14 Sources of Financial Assistance Chart Understand Understand U6A8 - Business Credit Notes U6A9 - Business Credit U6A26 - Loan Application Portfolio Apply Apply U6A8 - Business Credit Notes U6A9 - Business Credit U6A26 - Loan Application Portfolio (16) The student demonstrates an understanding of methods to manage financial resources to ensure solvency. The student is expected to: (A) describe the nature of budgets; Understand Understand U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A17 - Budgets Discussion Board (B) explain the nature of operating budgets; (C) describe the nature of costbenefit analysis; (D) determine relationships among total revenue, marginal revenue, output, and profit; (E) simulate developing a company department budget; Understand Understand U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A17 - Budgets Discussion Board Understand Understand U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A18 - Cost and Revenue Worksheet Apply Apply U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A18 - Cost and Revenue Worksheet Apply Apply U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A19 Creating a Department Budget Activity

TEKS Reqm nt Actual How / where addressed (F) forecast sales; Apply Apply U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A19 Creating a Department Budget Activity (G) calculate financial ratios; Apply Apply U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A19 Creating a Department Budget Activity (H) interpret financial statements; Apply Apply U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A19 Creating a Department Budget Activity (I) describe types of financial statement analysis, including ratio analysis and trend analysis; and (J) identify problems within financial statements. Understand Understand U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A20 - Financial Statement Worksheet Understand Understand U6A15 - Managing Financial Resources Notes U6A16 - Managing Financial Resources U6A21 - Financial Statement Problems Self- Check (17) The student understands the importance of financial markets in business. The student is expected to: (A) describe the role of financial institutions; and Understand Understand U5A1 Financial Institutions Notes and Readings (B) explain types of financial markets, including money markets, securities markets, property market, and market for risk transfer. U5A2 Financial Markets Notes Understand Understand U5A1 Financial Institutions Notes and Readings U5A2 Financial Markets Notes U5A3 Property Market Discussion Board U5A4 Financial Markets Self-Check (18) The student develops an understanding of the nature of asset values. The student is expected to:

TEKS (A) describe factors that affect the value of an asset, including cash flow, growth rate, timing, inflation interest rate, opportunity cost, risk, and required return; and (B) read and interpret the value of an asset. Reqm nt Actual How / where addressed Understand Understand U5A5 Asset Values Notes U5A6 Asset Values Self-Check Analyze Analyze U5A8 Reading Securities U5A9 Reading Securities Tables Mutual Funds Activity (19) The student uses sources of securities information to make informed financial decisions. The student is expected to: (A) describe sources of securities Understand Understand U5A7 Sources of Securities Data Activity information, charts, and graphs; and (B) read and interpret securities tables. Analyze Analyze U5A8 Reading Securities U5A9 Reading Securities Tables Mutual Funds Activity (20) The student simulates using debt and equity capital to raise funds for business growth. The student is expected to: (A) describe the financial needs of a business at different stages of development; Understand Understand U6A22 - Debt and Equity Capital Notes U6A23 - Debt and Equity Capital U6A24 - Stages of Development Needs (B) discuss factors to consider in choosing between debt and equity capital; and (C) explain the significance of capital structure. Discussion Board Understand Understand U6A22 - Debt and Equity Capital Notes U6A23 - Debt and Equity Capital U6A25 - Debt and Equity Capital Worksheet Understand Understand U6A22 - Debt and Equity Capital Notes U6A23 - Debt and Equity Capital U6A25 - Debt and Equity Capital Worksheet Source: The provisions of this 130.162 adopted to be effective August 23, 2010, 34 TexReg 5925.