Mr. Hoefs - Personal Finance Class
Unit 1 - Career Decisions (13 Total Days)
Time Management - Reading & Math Quiz - 1 Day
Time Management - Simulation - 1 Day
Chapter 1 - Choosing Your Career - 1 Day
Learning Target Chapter 1
I can discuss career and job trends, and describe sources of job information.
I can complete a job analysis, listing positive and negative features of potential career choices.
I can explain techniques for coping with change and reinventing yourself and discuss the need for job networking for long-term career success.
Formative Assessment for Chapter 1
1. As a group we will discuss career and job trends and describe source of job information.
2. Each student will complete a job analysis, listing positives and negatives of potential career choices.
3. As a group we will explain techniques for coping with change and reinventing one self.
4. Student will write a paragraph on their reflection of the chapter including those things that were discussed.
5. I will give feedback to those students that don't grasp the learning targets for the chapter.
3. Chapter 1 will be part of the Unit Test that each student will take.
4. Chapter 1 will be part of a Unit Project that each student is required to do.
Education and Advancement - Reading & Math Quiz - 1Day
Education and Advancement - Simulation - 1Day
Summative Assessment for Chapter 1
1. Students will be graded on both the reading and math related to Education and Advancement. Students will get immediate feedback on their reading and math quiz for the Education and Advancement simulation.
2. Students will run through a simulation reinforcing chapter 1 learning targets. Students will get immediate feedback on how they did on their Education and Advancement simulation.
3. Chapter 1 will be part of the Unit Test which includes chapter 1-5. Students will get immediate feedback on skyward.
4. Chapter 1 will be part of a Unit Project which includes chapter 1-5. Students will get feedback on their Resume, Letter of Application, Job Application and Reference letter.
Chapter 2 - Planning Your Career - 1 Day
Learning Target Chapter 2
I can list reason why people work.
I can discuss factors that affect career choices
I can identify and describe good career planning techniques.
I can list sources of job opportunity information.
I can itemize job search techniques and design a plan to get the job I want.
Formative Assessment for Chapter 1
1. As a group we will discuss career and job trends and describe source of job information.
2. Each student will complete a job analysis, listing positives and negatives of potential career choices.
3. As a group we will explain techniques for coping with change and reinventing one self.
4. Student will write a paragraph on their reflection of the chapter including those things that were discussed. I will give feedback to those students that don't grasp the learning targets for the chapter.
3. Chapter 1 will be part of the Unit Test that each student will take.
4. Chapter 1 will be part of a Unit Project that each student is required to do.
Education and Advancement - Reading & Math Quiz - 1Day
Education and Advancement - Simulation - 1Day
Summative Assessment for Chapter 1
1. Students will be graded on both the reading and math related to Education and Advancement. Students will get immediate feedback on their reading and math quiz for the Education and Advancement simulation.
2. Students will run through a simulation reinforcing chapter 1 learning targets. Students will get immediate feedback on how they did on their Education and Advancement simulation.
3. Chapter 1 will be part of the Unit Test which includes chapter 1-5. Students will get immediate feedback on skyward.
4. Chapter 1 will be part of a Unit Project which includes chapter 1-5. Students will get feedback on their Resume, Letter of Application, Job Application and Reference letter.
Chapter 3 - Getting the Job - 1 Day
Learning Target Chapter 3
I can prepare an application letter, resume and explain the importance of references and reference letters.
I can properly complete an employment application form and prepare for and make a good impression on a job interview. I can prepare a thank-you letter as a follow- up to a job interview.
Chapter 4 - Adapting to Work - 1 Day
Learning Target Chapter 4
I can describe effective communications on the job and explain strategies for effective human relations at work.
I can describe employer expectations related to work rules, work attitudes, and work attendance and discuss two theories of motivation and the results of job satisfaction.
Chapter 5 - Work Laws and Responsibilities - 1 Day
Learning Target Chapter 5
I can discuss the purpose of various work-related forms and explain the provisions of major employment laws.
I can discuss employee responsibilities at work and employer responsibilities to employees.
Finding a Job - Reading and Math Quiz - 1Day
Finding a Job - Simulation - 1Day
Unit 1 Test - 1 Day
Unit 1 Project - 1 Day
Learning Target - Prepare students for future career choices.
Unit 2 - Money Management (14 Total Days)
Chapter 6 - Pay, Benefits, and Working Conditions - 1 Day
Learning Target Chapter 6
I can compute payroll deductions and net pay along with identifying optional and required employee benefits.
I can describe flexible work arrangements for employers and the role of unions and professional organizations.
Chapter 7 - Federal Income Tax - 1 Day
Learning Targets Chapter 7
I can explain the purposes of taxes and describe the different types of taxes and the U.S. tax system and how it works.
I can define basic tax terminology and prepare tax forms.
Paying your Taxes - Reading & Math Quiz - 1 Day
Paying your Taxes - Simulation - 1 Day
Chapter 8 - Budgets and Financial Records - 1 Day
Learning Targets Chapter 8
I can explain the purpose of financial planning and prepare a personal budget, while explaining the need for and creating a net worth statement and personal property inventory.
I can list the elements of a legally binding agreement and design an effective filing system for personal records.
Budget and Savings - Reading & Math Quiz - 1 Day
Budget and Savings - Simulation - 1 Day
Chapter 9 - Checking Accounts and Banking Services - 1 Day
Learning Targets Chapter 9
I can describe the purpose, how to use and the different types of a checking accounts.
I can describe banking services available at most financial institutions and list and explain fees charged by financial institutions for their services.
Choosing and Balancing a Checking Account - Reading & Math Quiz - 1 Day
Choosing and Balancing a Checking Account - Simulation - 1 Day
Using Online Banking - Reading & Math Quiz - 1 Day
Using Online Banking - Simulation - 1 Day
Unit 2 Test - 1 Day
Unit 2 Project - 1 Day
Unit 3 - Financial Security (14 Total Days)
Chapter 10 Saving for the Future - 1 Day
Chapter 10 Learning Targets
I can describe the purpose of saving and explain how money grows through
compounding.
I can explain the features and purposes of different savings options and explain what factors that influence the selection of a savings plan.
Chapter 11 Investing for the Future - 1 Day
Chapter 11 Learning Targets
I can explain why I should consider investing, the stages of investing and the concept of risk in investment strategies.
I can list and describe sources of investment information along with basic investment choices and rate them by risk.
Chapter 12 Investing in Stocks - 1 Day
Chapter 12 Learning Targets
I can describe features of different types of stock and explain how to value a stock.
I can describe the purpose of buying and selling stocks and how to read the stock listing and stock indexes.
Diversification - Reading & Math Quiz - 1 Day
Diversification - Simulation - 1 Day
Chapter 13 Investing in Bonds - 1 Day
Chapter 13 Learning Targets
I can discuss the features, types, and earnings of corporate bonds and the different types of government bonds.
I can explain how to buy and sell bonds, considering both risk and return and how to read the bond listing of financial pages.
Chapter 14 Investing in Mutual Funds, Real Estate, and Other Choices - 1 Day
Chapter 14 Learning Targets
I can discuss mutual funds as an investment and how to buy and sell mutual funds.
I can explain real estate, metals, gems, collectibles and financial instruments when it comes to investing.
Introduction to Investing - Reading & Math Quiz - 1 Day
Introduction to Investing - Simulation - 1 Day
Chapter 15 Retirement and Estate Planning - 1 Day
Chapter 15 Learning Targets
I can describe retirement needs for most individuals and familes and discuss estate planning documents and methods to minimize taxes on estates.
I can discuss features and types of personal and employer-sponsored retirement plans.
Investing for Retirement - Reading & Math Quiz - 1 Day
Investing for Retirement - Simulation - 1 Day
Unit 3 Test - 1 Day
Unit 3 Project - 1 Day
Unit 4 - Credit Management (10 Total Days)
Chapter 16 - Credit in America - 1 Day
Chapter 16 Learning Targets
I can explain the advantages and disadvantages of using credit.
I can list and describe the types of credit available to consumers.
Getting a Credit Card - Reading & Math Quiz - 1 Day
Getting a Credit Card - Simulation - 1 Day
Chapter 17 - Credit Records and Laws - 1 Day
Chapter 17 Learning Targets
I can discuss the purpose of credit records and the concept of creditworthiness.
I can describe credit ratings, and a point system used for evaluating credit.
Chapter 18 - Responsibilities and Costs of Credit - 1 Day
Chapter 18 Learning Targets
I can describe the responsibilities of consumer credit and how to protect my credit accounts from fraud.
I can explain why credit costs vary and how simple interest is computed.
Chapter 19 - Problems with Credit - 1 Day
Chapter 19 Learning Targets
I can discuss good credit management rules and warning signs that you are overextended.
I can list and describe the types of bankruptcy and the major causes.
Fixing your Credit - Reading & Math Quiz - 1 Day
Fixing your Credit - Simulation - 1 Day
Unit 4 Test - 1 Day
Unit 4 Project - 1 Day
Unit 5 - Resource Management (13 Total Days)
Chapter 20 - Personal Decision Making - 1 Day
Chapter 20 Learning Targets
I can apply the decision making process to solve consumer problems.
I can list and describe factors that influence spending decisions and how to plan for major purchases.
Chapter 21 - Renting a Residence - 1 Day
Chapter 21 Learning Targets
I can list and describe several rental housing alternatives or potential living arrangements.
I can list the advantages and disadvantages of renting and the elements required for renting.
Finding an Apartment - Reading & Math Quiz - 1 Day
Finding an Apartment - Simulation - 1 Day
Chapter 22 - Buying a Home - 1 Day
Chapter 22 Learning Targets
I can discuss the advantages of home ownership and the costs and responsibilities of owning a home.
I can describe the steps in the home buying process.
Buying a Home - Reading & Math Quiz - 1 Day
Buying a Home - Simulation - 1 Day
Chapter 23 - Buying and Owning a Vehicle - 1 Day
Chapter 23 Learning Targets
I can list and explain the steps of the car-buying process and what financing choices I may have.
I can identify the costs of owning and operating a car and describe methods of extending the life of my vehicle.
Buying a Car - Reading & Math Quiz - 1 Day
Buying a Car - Simulation - 1 Day
Chapter 24 - Family Decisions - 1 Day
Chapter 24 Learning Targets
I can describe the steps, costs, and planning involved in married and discuss the importance of family living decisions.
I can describe the costs and steps involved in a divorce and discuss how to prepare for death and life's final plans.
Unit 5 Test - 1 Day
Unit 5 Project - 1 Day
Unit 6 - Risk Management (9 Total Days)
Chapter 25 - Introduction to Risk Management - 1 Day
Chapter 25 Learning Targets
I can explain risk and the concept of insurance and how risks are spread.
I can discuss the risk-management plan and how to create a risk-management plan.
Risk vs Return - Reading & Math Quiz - 1 Day
Risk vs Return - Simulation - 1 Day
Chapter 26 - Property and Liability Insurance - 1 Day
Chapter 26 Learning Targets
I can explain the purpose and provisions of renter's Insurance.
I can discuss common types of automobile insurance coverage.
Chapter 27 - Health and Life Insurance - 1 Day
Chapter 27 Learning Targets
I can describe group and individual health insurance choices and what is covered.
I can discuss different types of disability insurance.
Insurance - Reading & Math Quiz - 1 Day
Insurance - Simulation - 1 Day
Unit 6 Test - 1 Day
Unit 6 Project - 1 Day
Unit 7 - Consumer Rights and Responsibilities (7 Total Days)
Chapter 28 - Role of Consumers in a Market Economy - 1 Day
Chapter 28 Learning Targets
I can describe and compare the three major types of economic systems.
I can describe the deceptive practices used to defraud consumers.
Shopping - Reading & Math Quiz - 1 Day
Shopping - Simulation - 1 Day
Chapter 29 - Consumer Protection - 1 Day
Chapter 29 Learning Targets
I can describe your rights, as set forth in the Consumer Bill of Rights.
I can list and describe government and private sources of consumer assistance.
Chapter 30 - Dispute Resolution - 1 Day
Chapter 30 Learning Targets
I can describe the structure of the legal system in the United States.
I can define remedies available to consumers other than individual lawsuits.
Unit 7 Test - 1 Day
Unit 7 Project - 1 Day
Learning Target - The role of the consumer in a market economy.
Career Simulation and Interview (8 Total Days)