Maryland Coalition for Financial Literacy | Curriculum Correlation to State Standards

Building Your Future (Banking, Financing and Investing) New York Life

Building Your Future (Banking, Financing and Investing) New York Life
http://www.actuarialfoundation.org

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Family Economics and Financial Education

Family Economics and Financial Education
http://www.fefe.arizona.edu

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Financial Fitness for Life (Book)

Financial Fitness for Life (Book)
Please contact Maryland Council for Economic Education for more informattion.

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Financing Your Future (DVD)

Financing Your Future (DVD)
Please contact Maryland Council for Economic Education for more information.

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Foolproof

Foolproof
http://www.aboutfoolproof.com

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Hands On Banking

Hands On Banking
Wells Fargo: http://www.handsonbanking.com

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Junior Achievement Curriculum Integration Chart (9-12)

Junior Achievement Curriculum Integration Chart (9-12)
http://jamaryland.org

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

MD Attorney General: Identity Theft

MD Attorney General: Identity Theft
http://www.oag.state.md.us/Consumer/idtheft.htm

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

MD Attorney General: Wise Buys for Teens

MD Attorney General: Wise Buys for Teens
http://www.oag.state.md.us/WiseBuys/index.htm

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Money Smart

Money Smart
http://www.fdic.gov

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Practical Money Skills (CD)

Practical Money Skills (CD)
http://www.practicalmoneyskills.com/foreducators

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Teen Scene Smarts: First Financial Federal Credit Union

Teen Scene Smarts: First Financial Federal Credit Union
http://gti.cuna.org/19158/index.htm

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

The Great Piggybank Adventure

The Great Piggybank Adventure
http://piggybank.disney.go.com

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)

Using Creditsmart

Using Creditsmart
http://www.freddiemac.com/creditsmart/

Standard 1: Make Informed, Financially Responsible Decisions
1.12.A Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services
1.12.B Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals
1.12.C Evaluate and apply financial knowledge, attitudes, and skills
1.12.D Compare different types of markets
1.12.E Evaluate the economic impacts of government, business, and consumer financial decisions
Standard 2: Relate Careers, Education, and Income
2.12.A Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income
2.12.B Evaluate sources of income
2.12.C Evaluate the relationship among income, spending decisions, and lifestyle
2.12.D Determine how taxes, employee benefits, and public programs relate to income
Standard 3: Plan and Manage Money
3.12.A Demonstrate the ability to use money management skills and strategies
3.12.B Analyze the services of financial institutions
3.12.C Develop and evaluate financial goals based on personal values
3.12.D Evaluate the proposes and responsibilities related to taxation
3.12.E Explain that contracts are binding agreements
Standard 4: Manage Credit and Debt
4.12.A Evaluate how to use debt beneficially
4.12.B Evaluate the advantages and disadvantages of credit products and services
4.12.C Analyze sources of credit
4.12.D Calculate the cost of borrowing
4.12.E Identify and evaluate interest rates, fees, and other credit charges
4.12.F Analyze credit scores and reports
4.12.G Evaluate the consequences of not meeting credit obligations
Standard 5: Create and Build Wealth
5.12.A Critique appropriate financial services and products to specified goals
5.12.B Evaluate strategies for creating wealth and building assets
5.12.C Explain the relationships between saving and investing
5.12.D Analyze the concepts of supply and demand to stock market price changes
5.12.E Apply the decision making processes to financial decisions related to planning, saving, and investing
Standard 6: Manage Risks and Preserve Wealth
6.12.A Evaluate the strategies that protect income and wealth
6.12.B Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle
6.12.C Evaluate the purposes, strategies, and effects of various business practices, including sales techniques
6.12.D Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet)