| Investigate the cost of postsecondary education. | | | | | | |
| Determine the tuition and fees of several specific public and private, two and four year institutions. | Lesson – Work vs Study
Lesson – Student Loans | | | |
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| Examine room and board cost for students that live on campus. | Lesson – Student Loans |
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| Examine commuting costs for attending a local institution (gas, car maintenance, distance, time). | Budget Game – Core Component | |
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| Compare text book costs (used books, new books, digital rentals, Amazon, eCampus, local bookstore, text loaning programs). | Budget Game – Core Component
Lesson – Student Loans
Lesson – Work vs Study | | | | | |
| Determine personal expenses (hobbies, restaurants, entertainment, transportation, gas, bills, rent, insurance, cellphone). | Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourseld First | | | | | |
| Examine the net price different postsecondary institutions utilizing the net price calculator required to be posted on all postsecondary institution’s web pages. | Lesson – Student Loans |
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| Identify sources of financial aid. | Lesson – Student Loans |
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| Examine and understand Financial Aid terminology (e.g. FAFSA, EFC, grant, cost of attendance). |
Lesson – Student Loans |
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| Explore the application process for student loan qualifications and the repayment process. | Lesson – Student Loans
Lesson – Managing Debt
Lesson – Consolidating Debt |
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| Evaluate income, lifestyle, and career opportunities based on education and financial aid decisions. |
Activity |
Long-Term Game |
Comprehensive Chapter |
Short Lesson |
Interactive Calculator |
Graded Assessment |
| Differentiate the annual income of a college graduate compared to a high school graduate. | Lesson – Work vs Study
Lesson – Career Development |
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| Differentiate between gross and net income (e.g., taxes, insurance and pension plans). |
Budget Game – Core Component
Lesson – Taxation Overview
Lesson – Preparing for Retirement | | | | | |
| Explore how earning a degree impacts lifestyle, lifelong earning potential, and personal wants versus needs. | Budget Game – Core Component
Lesson – Career Development
Lesson – Good Debt, Bad Debt
Lesson – Pay Yourself First | | | | | |
| Investigate the consequences of personal choices in relation to finances. |
Budget Game – Core Component
Lesson – Spending and Saving Plans
Lesson – Pay Yourself First
Lesson – Preparing for Spending Shocks | |
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| Construct, utilize, and monitor a budget for a recent high school graduate. | Budget Game – Core Component | |
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| Construct, utilize, and monitor a budget for a recent college graduate. | Budget Game – Core Component | |
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| Compare and contrast the budgets of a high school graduate and a recent college graduate. | Budget Game – Core Component | |
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| Explore how benefits packages, unions, and professional organizations impact lifestyle and career choices. | Budget Game – Income and Compensation
Lesson – Career Development | | | | | |
Examine the expectations and benefits of potential careers and their impact on lifelong earning potential | Lesson – Career Development
Lesson – Work or Study
Lesson – What is Specialization? |
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Examine general workforce preparedness skills. | Budget Game – Core Component
Lesson – Career Development
Lesson – Biggest Mistakes of Job Seekers
Lesson – How To Choose an Internship
Lesson – Acing an Interview | | | | | |
| Develop a resume showing skills, experiences and education that can be used when applying for a job, a scholarship, or college. | Lesson – Using Keywords In Your Resume
Lesson – Career Development
Lesson – Biggest Mistakes of Job Seekers
Lesson – How To Choose an Internship
Lesson – Acing an Interview |
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| Identify workplace expectation, including prompt attendance, timeliness and efficiencies. | Lesson – Employer and Employee Rights and Responsibilities |
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Examine the causes of bankruptcy and how to avoid them. | Lesson – Bankruptcy
Lesson – Managing Debt
Lesson – Consolidating Debt
Lesson – Debt Negotiation |
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Complete Federal and State income tax forms and examine other state and local taxes. | Lesson – Taxation Overview
Lesson – Tax Filing and the Form 1040 |
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Develop the knowledge and practices of a savvy consumer who knows consumer rights and responsibilities, can identify and avoid fraudulent practices and guard against identify theft. | Lesson – Consumer rights and responsibilities
Lesson – Protecting Against Fraud |
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Utilize traditional and online banking services as well as examining fees, services and hidden costs of checking, savings, debit cards, Certificates of Deposit, etc. | Budget Game – Core Component
Lesson – Debit Cards
Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Automatic Payments
Lesson – Using Credit | | | | | |
| Examine financial habits that promote economic security, stability and growth: |
Activity |
Long-Term Game |
Comprehensive Chapter |
Short Lesson |
Interactive Calculator |
Graded Assessment |
| Investments (e.g., stocks, mutual funds, certificates of deposits and commodity trading) | Stock Game – Core Component
Investing101 Certification
Lesson – Investing Strategies
Lesson – Building Wealth
Lesson – Preparing for Retirement
Activity – Use the Saving to be a Millionaire Calculator |
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| Insurance (e.g., life insurance, health insurance, automobile insurance, home and renters insurance and retirement plans). | Lesson – Risk
Lesson – Car Insurance
Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Health Insurance
Lesson – Life Insurance |
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