National

Financial Responsibility and Decision Making

• Apply reliable information and systematic decision making to personal financial decisions.
  • Take responsibility for personal financial decisions.

Financial Responsibility and Decision Making

• Apply reliable information and systematic decision making to personal financial decisions.
  • Find and evaluate financial information from a variety of sources.

Financial Responsibility and Decision Making

• Apply reliable information and systematic decision making to personal financial decisions.
  • Summarize major consumer protection laws.

Financial Responsibility and Decision Making

• Apply reliable information and systematic decision making to personal financial decisions.
  • Make financial decisions by systematically considering alternatives and consequences.

Financial Responsibility and Decision Making

• Apply reliable information and systematic decision making to personal financial decisions.
  • Control personal information.

Income and Careers

• Use a career plan to develop personal income potential.
  • Explore career options.

Income and Careers

• Use a career plan to develop personal income potential.
  • Identify sources of personal income.

Income and Careers

• Use a career plan to develop personal income potential.
  • Describe factors affecting take-home pay.

Planning and Money Management

• Organize personal finances and use a budget to manage cash flow.
  • Develop a plan for spending and saving.

Planning and Money Management

• Organize personal finances and use a budget to manage cash flow.
  • Develop a system for keeping and using financial records.

Planning and Money Management

• Organize personal finances and use a budget to manage cash flow.
  • Describe how to use different payment methods.

Planning and Money Management

• Organize personal finances and use a budget to manage cash flow.
  • Apply consumer skills to purchase decisions.

Planning and Money Management

• Organize personal finances and use a budget to manage cash flow.
  • Consider charitable giving.

Planning and Money Management

• Organize personal finances and use a budget to manage cash flow.
  • Develop a personal financial plan.

Credit and Debt

• Maintain creditworthiness, borrow at favorable terms, and manage debt.
  • Identify the costs and benefits of various types of credit.

Credit and Debt

• Maintain creditworthiness, borrow at favorable terms, and manage debt.
  • Explain the purpose of a credit record and identify borrowers' credit report rights.

Credit and Debt

• Maintain creditworthiness, borrow at favorable terms, and manage debt.
  • Describe ways to avoid or correct debt problems.

Credit and Debt

• Maintain creditworthiness, borrow at favorable terms, and manage debt.
  • Summarize major consumer credit laws.

Risk Management and Insurance

• Use appropriate and cost-effective risk management strategies.
  • Identify common types of risks and basic risk management methods.

Risk Management and Insurance

• Use appropriate and cost-effective risk management strategies.
  • Explain the purpose and importance of property and liability insurance protection.

Risk Management and Insurance

• Use appropriate and cost-effective risk management strategies.
  • Explain the purpose and importance of health, disability, and life insurance protection.

Saving and Investing

• Implement a diversified investment strategy that is compatible with personal goals.
  • Discuss how saving contributes to financial well-being.

Saving and Investing

• Implement a diversified investment strategy that is compatible with personal goals.
  • Explain how investing builds wealth and helps meet financial goals.

Saving and Investing

• Implement a diversified investment strategy that is compatible with personal goals.
  • Evaluate investment alternatives.

Saving and Investing

• Implement a diversified investment strategy that is compatible with personal goals.
  • Describe how to buy and sell investments.

Saving and Investing

• Implement a diversified investment strategy that is compatible with personal goals.
  • Explain how taxes affect the rate of return on investments.

Saving and Investing

• Implement a diversified investment strategy that is compatible with personal goals.
  • Investigate how agencies that regulate financial markets protect investors.