Missouri 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 Missouri.

A list of the Missouri Personal Finance Course Level Expectations for 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
Financial Decision Making
Evaluate the role of choice in decision makingBudget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Opportunity Cost
Apply a rational decision making process to satisfy wants.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Opportunity Cost
Explain how today’s choices have future consequences.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Activity – Use the Investment Return Calculator
Activity – Use the Compound Interest Calculator
Activity – Use the Saving to be a Millionaire Calculator
Explain the causal relationship between choice and opportunity cost.Budget Game – Core Component
Lesson – Opportunity Cost
Analyze how choices can result in unintended consequences.Budget Game – Core Component
Lesson – Good Debt, Bad Debt
Lesson – Bankruptcy
Lesson – Managing Debt
Income
Evaluate how career choices impact income and quality of life.Lesson – Career Development
Lesson – Income and Compensation
Analyze the relationship between education, skill development and earning potential.Lesson – Career Development
Lesson – Income and Compensation
Lesson – Work or Study
Lesson – Labor and Productivity
Describe how wages and salaries are determined in labor markets.Lesson – Income and Compensation
Lesson – Supply and Demand Examples in the Stock Market
Lesson – Labor and Productivity
Analyze how changes in economic conditions and/or in labor markets can cause changes in a person’s income or employment status.Lesson – The Business Cycle
Lesson – Unemployment
Lesson – Labor and Productivity
Lesson – Importance of Interest Rates
Lesson – Inflation
Describe how entrepreneurs see problems as opportunities for creating new or innovative goods or services.Lesson – Entrepreneurship
Lesson – Starting a Business
Examine how workers are paid through wages, salaries and commissions.Lesson – Income and Compensation
Analyze why benefits such as health insurance, paid vacation, retirement plan, family leave, tuition reimbursement and flexible scheduling are considered forms of compensation.Lesson – Income and Compensation
Lesson – Employer and Employee Rights and Responsibilities
Identify sources for earning income in addition to wages and salaries such as rent, interest, gifts, dividends, profits and capital gains.Lesson – Income and Compensation
Lesson – What is Money?
Compare gross and net income.Budget Game – Core Component
Lesson – Income Tax Filing and the Form 1040
Explain the purpose of standard deductions such as income taxes, social security (FICA), Medicare, deductions for health care and retirement savings plans.Lesson – Payroll Best Practices
Explain how taxes provide public goods and services.Lesson – Taxation Overview
Buying Goods and Services
Differentiate between income and expenses.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Analyze spending habits to recognize current spending and saving trends.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Spending and Savings Plans
Lesson – Budgeting and Spending Strategies
Create a budget that includes savings goals, emergency funds, fixed expenses and variable expenses.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Spending and Savings Plans
Lesson – Budgeting and Spending Strategies
Explain how budgeting for charitable giving may have tax benefits.Lesson – Charitable Giving
Prioritize expenses and payment due dates.Budget Game – Core Component
Lesson – Budgeting
Lesson – Spending and Savings Plans
Conduct research on product options to plan future purchases such as phone, car, home or vacation.Lesson – Researching Spending
Lesson – Buying a Car
Lesson – Mortgages
Lesson – Planning for Long Term Purchases
Activity – Use the Car Loans Calculator
Activity – Use the Buy vs Lease Calculator
Activity – Use the Home Budgeting Calculator
Evaluate product information for price, quality, service and features.Lesson – Researching Spending
Describe effective responses to deceptive or fraudulent sales practices.Lesson – Protecting Against Fraud
Identify payment methods.Lesson – Debit Cards
Lesson – Credit Cards
Lesson – Short-Term Financing
Lesson Mortgages
Lesson – Automatic Payments
Analyze the costs and benefits of different payment options.Lesson – Debit Cards
Lesson – Credit Cards
Lesson – Short-Term Financing
Lesson Mortgages
Lesson – Automatic Payments
Evaluate substitutes when the price of goods or services exceeds your budget.Lesson – Researching Spending
Lesson – Budgeting and Spending Strategies
Lesson – Pay Yourself First
Compare the features, durability and maintenance costs of goods.Lesson – Researching Spending
Compare the services, service fees and requirements of various financial institutions such as banks, savings and loans, credit unions and virtual banks.Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Debit Cards
Lesson – Credit Cards
Calculate an account balance by recording deposits, withdrawals and debit transactions.Lesson – Reconciling Accounts
Analyze the costs and benefits of using or not using financial institutions and virtual exchanges.Investing101 Certification
Stock Game – Core Component
Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Debit Cards
Lesson – Credit Cards
Explain the importance of FDIC, NCUA and other security regulations to protect one’s wealth in financial institutions.Investing101 Certification
Saving
Identify short, medium and long-term savings goals including saving for high value purchases, postsecondary education/training and retirement.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Work or Study
Lesson – Building Wealth
Lesson – Preparing For Retirement
Lesson – Planning Long Term Purchases
Lesson – Family Planning
Lesson – Buying a Car
Develop a savings plan.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Spending and Savings Plans
Explain the importance of a rainy day fund for unexpected expenses.Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Spending and Savings Plans
Compare retirement savings options.Lesson – Income and Compensation
Lesson – Preparing for Retirement
Lesson – Building Wealth
Compare simple and compound interest.Lesson – Importance of Interest Rates
Activity – Use the Compound Interest Calculator
Explain how the time value of money, i.e. money in hand today, is worth more than money promised in the future, influences financial decision making.Lesson – Time Value of Money
Lesson – Inflation
Activity – Use the Net Present Value Calculator
Identify saving instruments such as certificates of deposit and savings accounts.Investing101 Certification
Lesson – Investing Strategies
Lesson – Building a Diversified Portfolio
Lesson – Building Wealth
Compare the liquidity, interest payment or penalty of various savings instruments.Investing101 Certification
Stock Game – Core Component
Lesson – Investing Strategies
Lesson – Building a Diversified Portfolio
Activity – Use the Investment Return Calculator
Using Credit
Analyze the difference between a credit and a debit accountBudget Game – Core Component
Lesson – Debit Cards
Lesson – Credit Cards
Compare sources of consumer credit such as credit cards, consumer loans, rent-to own, title and payday loans.Lesson – Short-Term Financing
Lesson – Good Debt, Bad debt
Evaluate the options for financing higher education. Lesson – Work or Study
Lesson – Student Loans
Analyze various terms and conditions of credit cards and consumer loans.Lesson – Credit Cards
Lesson – Short-Term Financing
Lesson – Using Credit
Explain the purpose, functions and costs of a mortgage.Lesson – Mortgages
Compare the cost of credit between financial institutions based on the Annual Percentage Rate (APR), initial fees charged and fees for late or missed payment.Lesson – Credit Cards
Lesson – Short-Term Financing
Lesson – Using Credit
Calculate the total purchase price of a good or service including interest paid.Activity – Use the Credit Card Payments Calculator
Explain the relationship between risk and interest including credit worthiness and down payment.Lesson – Credit Cards
Lesson – Using Credit
Lesson – Credit Reports
Differentiate between secured and unsecured loans.Lesson – Short-Term Financing
Evaluate factors that affect creditworthiness including paying on time and payment history.Budget Game – Core Component
Lesson – Credit Reports
Explain the purpose and components of credit records and credit history as provided by credit bureaus.Lesson – Credit Reports
Identify ways to avoid and/or correct credit problems.Lesson – Good Debt, Bad Debt
Lesson – Managing Debt
Analyze why credit scores may be used by entities such as employers, landlords and insurance companies.Lesson – Credit Reports
Evaluate a credit report to verify accuracy.Lesson – Credit Reports
Explain the importance of annually verifying one’s credit report.Lesson – Credit Reports
Explain the value of consumer credit protection laws.Lesson – Credit Reports
Explain responsibilities associated with the use of credit.Lesson – Using Credit
Lesson – Credit Cards
Lesson – Managing Credit
Protecting and Insuring
Analyze the personal financial risks that can occur when unexpected events damage health, home, property, wealth or future opportunities.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Car Insurance
Lesson – Health Insurance
Lesson – Life Insurance
Explain how and why insurance companies create policies and determine premiums.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Car Insurance
Lesson – Health Insurance
Lesson – Life Insurance
Analyze factors people use to choose insurance coverage.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Car Insurance
Lesson – Health Insurance
Lesson – Life Insurance
Explain how personal behavior and risk impact insurance premiums.Lesson – Car Insurance
Analyze health insurance options to provide funds in the event of illness and/or to pay for the cost of preventive care. Lesson – Health Insurance
Analyze federal and state regulations which provide some remedies and assistance for identity theft.Lesson – Protecting Against Fraud
Analyze how individuals can protect themselves from others misusing personal information and from identity theft while online.Lesson – Protecting Against Fraud
Discuss current ways to counter cyber-attacks and protect personal information.Lesson – Protecting Against Fraud
Financial Investing
Compare various financial assets for their risk and rewards such as stocks, bonds, mutual funds, real estate and commodities.Stock Game – Core Component
Investing101 Certification
Lesson – Building a Diversified Portfolio
Lesson – What is a Stock?
Lesson – Why invest in Stocks?
Lesson – What is an ETF?
Lesson – What is a Mutual Fund?
Lesson – What are Bonds
Activity – Use the Investment Return Calculator
Explain the impact of capital gains, dividends, risk and stock value on corporate stock ownership.Lesson – Dividends and Changes of Ownership
Explain how the price of a financial asset is determined by the interaction of buyers and sellers in a financial market.Lesson – Supply and Demand Examples in the Stock Market
Lesson – Understanding Price Movements
Explain how the rate of return earned from investments will vary according to the amount of risk.Stock Game – Core Component
Investing101 Certification
Lesson – Building a Diversified Portfolio
Activity – Use the Investment Return Calculator
Explain how the rates of return on financial assets are influenced by buyers and sellers in financial markets.Lesson – Supply and Demand Examples in the Stock Market
Lesson – Understanding Price Movements
Explain why an investment with greater risk, such as a penny stock, will commonly have a lower market price, but an uncertain rate of return.Stock Game – Core Component
Investing101 Certification
Lesson – Building a Diversified Portfolio
Activity – Use the Investment Return Calculator
Explain the risks and rewards of short term and long-term investments.Lesson – Preparing for Retirement
Lesson – Building Wealth
Lesson – Investing Strategies
Lesson – Building a Diversified Portfolio
Describe how diversification can lower investment risk.Lesson – Building a Diversified Portfolio

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