1 | Working Hard for the Money | Educator Guide (L19) Slides (L19) | Career Options | - Identify career options and education or training required for different careers
- Name sources of income
- Explain the relationship between income and taxes
- Demonstrate how to research and analyze different careers
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2 | Designing Dreams | Educator Guide (L29) Slides (L29) | Financial Planning | - Determine personal values and financial goals
- Determine personal financial decisions
- Create a financial plan
- Summarize the purpose of financial planning
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3 | Can You Pay Your Bills? | Educator Guide (L39) Slides (L39) | Spending and Budgeting | - Develop a plan for spending and saving
- Create a system for keeping financial records
- Identify personal income and expenses or system for cash flow management
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4 | Boost Your Savings | Educator Guide (L49) Slides (L49) | The Importance of Saving | - Describe how savings affects financial well-being
- Explain compound interest
- Identify and research savings products
- Explain how interest is computed on savings
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5 | Bank Your Bucks | Educator Guide (L59) Slides (L59) | Choosing a Banking Partner | - Analyze different financial institutions and conduct a comparative analysis of each institution
- Explain the key differences between checking and savings accounts
- Demonstrate how to control personal information
- Understand the benefits of using federally insured financial institutions
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6 | Bread and Butter | Educator Guide (L69) Slides (L69) | Managing Your Paycheck | - Decode and identify elements of a paycheck
- Discuss how taxes, personal exemptions, and deductions impact net pay
- Explain how to calculate gross and net income
- Discuss the IRS Form W-4
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7 | Capacity, Character, Collateral, Capital | Educator Guide (L79) Slides (L79) | Credit | - Define creditworthiness
- Evaluate positive and negative types of credit
- Explain credit factors and risks and how credit scores work
- Discuss how to maintain or increase credit score
- Explain how credit is damaged
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8 | The Almighty Dollar? | Educator Guide (L89) Handouts (L89) Slides (L89) | Credit Cards | - Identify how credit cards differ from debit cards
- Discuss different types of credit cards
- Summarize credit card key terms and conditions and consumer protection laws
- Evaluate credit card offers and explain how to manage a credit card
- Demonstrate how to compute the debt-to-limit ratio
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9 | As Easy as Pi | Educator Guide (L99) Handouts (L99) Slides (L99) | Financial Ratios | - Identify common financial ratios
- Demonstrate and explain how to calculate financial ratios
- Discuss how financial ratios impact financial decision making and creditworthiness
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10 | Convertible or Clunker? | Educator Guide (L109) Handouts (L109) Slides (L109) | Automobile Purchase | - Research and investigate secured and unsecured installment loans
- Calculate how much car to afford
- Evaluate long-term costs associated with buying a car, including insurance and maintenance
- Explain the difference between leasing and purchasing
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11 | Risky Business | Educator Guide (L119) Handouts (L119) Slides (L119) | Risk Management and Insurance | - Identify common risks and strategies to reduce risk
- Explain the purpose and importance of various insurance types
- Recognize when insurance is needed and how to get it
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12 | Halls of Knowledge | Educator Guide (L129) Handouts (L129) Slides (L129) | Financing College | - Identify the costs of college
- Discuss student loan management
- Research and compare different college financial aid choices
- Discuss the earning potential of a degree in relationship to its cost
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13 | The Policy of Personal Choice | Educator Guide (L139) Handouts (L139) Slides (L139) | Understanding the Economy | - Understand how the economy impacts personal financial choices
- Summarize monetary and fiscal policy
- Understand inflation
- Understand economic cycles
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14 | Increasing the Value of Your Money | Educator Guide (L149) Handouts (L149) Slides (L149) | Financial Markets and Investing | - Understand how investing helps meet financial goals and build wealth over time
- Research and evaluate investment vehicles and resources
- Explain how investments are regulated
- Explain how investments can be impacted by economic and business cycles
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15 | Road to Retirement | Educator Guide (L159) Handouts (L159) Slides (L159) | Retirement Planning | - Explain how long-term retirement savings through investing builds wealth
- Identify differences in retirement planning strategies
- Create a retirement plan
- Understand Social Security benefits
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16 | Crash Pad | Educator Guide (L169) Handouts (L169) Slides (L169) | Homeownership and Renting | - Explain the responsibilities and expenses of renting versus owning
- Analyze renting versus homeownership
- Evaluate sound financial decision making for renting and owning property
- Discuss costs related to homeownership
- Discuss how homeownership can create wealth
- Understand the mortgage approval process
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17 | Pocket Giving | Educator Guide (L179) Handouts (L179) Slides (L179) | Charitable Giving | - Evaluate charitable giving
- Analyze monetary and nonmonetary forms of giving
- Create a spending plan to include giving
- Discuss tax deductions for giving
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18 | Paving the Future | Educator Guide (L189) Handouts (L189) Slides (L189) | Estate Planning | - Identify elements of an estate plan
- Evaluate how to title property
- Explain the importance of a will
- Understand the consequences of not having an estate plan
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19 | Financial Sleuth | Educator Guide (L199) Handouts (L199) Slides (L199) | Financial Resources | - Demonstrate how to find and use financial resources
- Differentiate between credible and dishonest financial resources
- Define and explain the role of a financial planner
- Understand federal and state consumer protection laws and self-regulatory organizations
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20 | Protect Yourself | Educator Guide (L209) Handouts (L209) Slides (L209) | Consumer Protection | - Explain identity theft
- Evaluate consumer rights and protection laws
- Demonstrate how to protect personal information
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21 | Launching Your Dream | Educator Guide (L219) Handouts (L219) Slides (L219) | Entrepreneurship 1: Starting a Business | - Identify and consider risks and rewards of entrepreneurship
- Evaluate business start-up practices
- Explain how entrepreneurship and innovation are a source of economic growth
- Identify the types of business organizations (sole proprietorship, corporations, LLC, and so on)
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22 | Maintenance Mode | Educator Guide (L229) Handouts (L229) Slides (L229) | Entrepreneurship 2: Maintaining a Business | - Understand and describe tax planning and reports
- Debate business management strategies
- Explain insurance choices for businesses
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