|
|
|
Ms |
Ms |
Com |
Bk |
Ms |
Com |
Acc |
Eco |
Spending and saving
|
Apply strategies to monitor income and expenses, plan for spending and
save for future goals
|
Develop a plan for spending
|
N
|
S
|
S
|
Y
|
N
|
N
|
Y
|
N
|
|
|
Develop a system for keeping and using financial records
|
N
|
S
|
S
|
Y
|
N
|
S
|
Y
|
N
|
|
|
Describe how to use different payment methods
|
N
|
S
|
S
|
Y
|
N
|
S
|
Y
|
N
|
|
|
apply consumer skills to spending and saving decisions
|
N
|
S
|
S
|
Y
|
S
|
S
|
S
|
S
|
Credit and debt |
Develop strategies to control and manage credit and
debt |
Analyze the costs and benefits of various types of debts |
N |
S |
S |
Y |
S |
S |
Y |
N |
|
|
Summarize a borrower’s rights and responsibilities related to credit
reports |
N |
N |
S |
Y |
N |
S |
Y |
N |
|
|
Apply strategies to avoid or correct debt management problems |
N |
N |
S |
Y |
N |
S |
S |
N |
|
|
Summarize major consumer credit laws |
N |
N |
S |
Y |
N |
S |
S |
N |
Employment and income
|
Use a career to develop personal income potentials
|
Explore job and career options
|
N
|
N
|
N
|
N
|
S
|
N
|
N
|
N
|
|
|
Compare sources of personal income and compensation
|
N
|
N
|
S
|
S
|
N
|
N
|
S
|
N
|
|
|
analyze factors that affect net income
|
N
|
N
|
N
|
Y
|
S
|
N
|
S
|
S
|
Investing
|
Implement a diversified investment strategy that is compatible with
personal financial goals
|
Explain how investing may build wealth and help meet financial
goals
|
N
|
N
|
Y
|
Y
|
N
|
S
|
Y
|
S
|
|
|
Evaluate investment alternatives
|
N
|
S
|
Y
|
S
|
S
|
S
|
S
|
S
|
|
|
Demonstrate how to buy and sell investments
|
N
|
S
|
Y
|
S
|
N
|
S
|
S
|
N
|
|
|
Investigate how agencies protect investors and regulate financial
markets and products
|
N
|
N
|
S
|
S
|
N
|
S
|
S
|
N
|
Risk management and insurance
|
Apply appropriate and cost effective risk management strategies
|
Identify common types of risks and basic risk management methods
|
N
|
N
|
Y
|
S
|
N
|
S
|
Y
|
N
|
|
|
Justify reasons to use property and liability insurance
|
N
|
N
|
Y
|
S
|
N
|
S
|
S
|
S
|
|
|
Justify reasons to use health, disability, long-term care and life
insurance
|
N
|
N
|
Y
|
N
|
N
|
N
|
N
|
N
|
Financial decision making
|
Apply reliable information and systematic decision making to personal
financial decisions
|
Recognize the responsibilities associated with personal financial
decisions.
|
N
|
N
|
N
|
S
|
N
|
N
|
S
|
N
|
|
|
Use reliable resources when making financial decisions
|
N
|
N
|
S
|
S
|
N
|
S
|
S
|
S
|
|
|
Summarize major consumer protection laws
|
N
|
N
|
S
|
S
|
N
|
S
|
S
|
N
|
|
|
Make criterion based financial decisions by systematically considering
alternatives and consequences.
|
N
|
N
|
S
|
S
|
N
|
S
|
S
|
S
|
|
|
Apply communication strategies when discussing financial issues
|
N
|
N
|
S
|
S
|
N
|
S
|
S
|
N
|
|
|
Analyze the requirements of contractual obligations
|
N
|
N
|
S
|
S
|
N
|
S
|
N
|
N
|
|
|
Control personal information
|
N
|
N
|
S
|
S
|
N
|
N
|
S
|
N
|
|
|
Use personal financial plan
|
N
|
N
|
S
|
S
|
N
|
S
|
S
|
N
|
|
Specific standards total |
Specific standards total |
26 |
26 |
26 |
26 |
26 |
26 |
26 |
26 |
|
Y |
Y |
- (0%) |
- (0%) |
6(23%) |
10(38%) |
- (0%) |
-(0%) |
7(27%) |
- (0%) |
|
S |
S |
- (0%) |
7(27%) |
17(65%) |
14(54%) |
5(19%) |
19(73%) |
16(61%) |
7(27%) |
|
N |
N |
26(100%) |
19(73%) |
3(12%) |
2(8%) |
21(81%) |
7(27%) |
3(12%) |
19(73%) |