Maryland Standards Alignment

We compared our curriculum and the core financial literacy concepts that are covered in our Budget and Stock Games to the personal finance standards for the state of Maryland.

A list of the Maryland State Curriculum for Personal Financial Literacy Education Grades 9-12 are below, along with a selection of activities from our games and library that align with each standard. Our curriculum library contains over 300 total lessons that can be customized for every class, so this may not include every lesson that may apply for each standard.

Legend:

  • : Long-Term Game
  • : Comprehensive Chapter
  • : Short Lesson
  • : Interactive Calculator
  • : Includes Automatically-Graded Assessment
StandardActivity
Make Informed, Financially Responsible Decisions
Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Researching Spending
Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals.Lesson – Pay Yourself First
Lesson – Analyzing Consumer Behavior
Lesson – Stock Market Crash of 1929
Lesson – Supply and Demand Examples in the Stock Market
Evaluate and apply financial knowledge, attitudes and skills.Budget Game – Core Component
Stock Game – Core Component
Compare different types of markets.Investing101 Certification
Lesson – Comparative Economic Systems – Capitalism, Socialism, and Communism
Lesson – International trade
Evaluate the economic impacts of government, business, and consumer financial decisions.Lesson – Benefits of Competition
Lesson – Government impact on the economy
Lesson – Monetary Policy
Lesson – Fiscal Policy Explained
Lesson – What is Economics?
Lesson – Understanding Price Movements
Lesson – How to Choose and Compare Stocks
Relate Careers, Education and Income
Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income.Lesson – Career Development
Lesson – Income and Compensation
Lesson – Work or Study
Lesson – Starting a Business
Lesson – Entrepreneurship
Lesson – The Business Cycle
Lesson – The Importance of Interest Rates
Evaluate sources of income.Lesson – Income and Compensation
Lesson – What is Money?
Evaluate the relationship among income, spending decisions, and lifestyle.Budget Game – Core Component
Lesson – Career Development
Lesson – Income and Compensation
Lesson – Pay Yourself First
Determine how taxes, employee benefits, and public programs relate to income.Lesson – Taxation Overview
Lesson – Income and Compensation
Lesson – Unemployment and other programs
Lesson – Employer and Employee Rights and Responsibilities”
Plan and Manage Money
Demonstrate the ability to use money management skills and strategies.Budget Game – Core Component
Stock Game – Core Component
Analyze the services of financial instutions.Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Brokerages
Lesson – When to hire a tax professional
Lesson – Life Insurance
Lesson – Health Insurance
Develop and evaluate financial goals based on personal values.Budget Game – Core Component
Stock Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Building Wealth
Lesson – Family Planning
Lesson – Preparing for Retirement
Evaluate the purposes and responsibilitites related to taxation.Lesson – Taxation Overview
Lesson – Common Tax Deductions
Lesson – Common Tax Additions
Explain that contracts are binding agreements.Lesson – What makes a contract valid?
Manage credit and debt
Evaluate how to use debt beneficially.Budget Game – Core Component
Lesson – Short-Term Financing
Lesson – Good Debt, Bad Debt
Lesson – Using Credit
Lesson – Credit Cards
Lesson – Managing Debt
Lesson – Mortgages
Lesson – Buying a Car
Evaluate the advantages and disadvantages of credit products and services.Lesson – Short-Term Financing
Lesson – Good Debt, Bad Debt
Analyze sources of credit.Lesson – Short-Term Financing
Lesson – Good Debt, Bad Debt
Calculate the cost of borrowing.Activity – Use the Buy vs Lease Calculator
Activity – Use the Home Budgeting Calculator
Activity – Use the Car Loans Calculator
Activity – Use the Credit Card Payments Calculator
Lesson – Short-Term Financing
Identify and evaluate interest rates, fees, and other credit charges.Lesson – Using Credit
Lesson – Credit Cards
Lesson – Mortgages
Activity – Use the Car Loans Calculator
Activity – Use the Home Budgeting Calculator
Analyze credit scores and reports.Lesson – Credit Reports
Evaluate the consequences of not meeting credit obligations.Lesson – Good Debt, Bed Debt
Lesson – Managing Debt
Lesson – Debt Management Services
Lesson – Consolidating Debt
Lesson – Debt Negotiation
Lesson – Bankruptcy
Create and Build Wealth
Critique appropriate financial services and products to specified goals.Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Short-Term Finance
Lesson – Building Wealth
Lesson – Preparing for Retirement
Evaluate strategies for creating wealth and building assets.Lesson – Building Wealth
Lesson – What is Wealth?
Lesson – Building a Diversified Portfolio
Activity – Use the Net Worth Calculator
Explain the relationship between saving and investing.Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – What is Wealth?
Lesson – Building Wealth
Lesson – Building a Diversified Portfolio”
Analyze the concepts of supply and demand to stock market price changes.Lesson – Supply and Demand Examples in the Stock Market
Apply the decision making processes to financial decisions related to planning, saving, and investing.Stock Game – Core Component
Budget Game – Core Component
Lesson – Paying Yourself First
Lesson – Building Wealth
Lesson – Preparing for Retirement
Lesson – Life Insurance
Activity – Use the Investment Return Calculator
Manage Risks and Preserve Wealth
Evaluate the strategies that protect income and wealth.Investing101 Certification
Lesson – What is Wealth?
Lesson – Building Wealth
Lesson – Preparing for Spending Shocks
Lesson – Preparing for Retirement
Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle.Lesson – Life Insurance
Lesson – Health Insurance
Lesson – Car Insurance
Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Evaluate the purposes, strategies, and effects of various business practices, including sales techniques.Lesson – Importance of Planning and Vision
Lesson – Competitive Advantage
Lesson – Social Responsibility In Management
Lesson – Segmentation and Target Markets
Lesson – Classifying Products and Services
Lesson – The Product Lifecycle
Lesson – Personal Selling
Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet).Lesson – Consumer rights and responsibilities

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