New York Education Objectives Personal Finance Course
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1 New York Education Objectives Personal Finance Course Correlation to Virtual Business - Personal Finance Virtual Business Course Concepts Personal Finance NY Dept of Education Recommended Course Outline Personal Finance (Holley ) Week 1: Introduction Personal Finance Week 2-3: Budgeting Week 3-4: Types of Compensation Week 4-6: Managing a Checking Account Week 6: Comparison shopping Week 7-8: Credit Week 8-11: Managing Insurance Week 12-15: Savings and Investments Week 16-18: Taxes Week 18-19: Home purchase NY Dept of Education Social Studies Standard 4 - Economics Unit V- Money, Finance, & Personal Finance A. Money B. Introduction to Finance & Personal Finance C. Instruments, Institutions, Financial Markets, & Investors D. Interest and the Cost of Money E. Credit F. Managing Your Money G. Careers in Financial Services Industry Legend: Some correlation to the competency High correlation to the competency Very High correlation to the competency The information for this correlation was found during 04/2008 at the following web address: (start page 24)
2 Personal Finance (Recommended course outline by Holley SHS) ng account Objectives Personal Finance Lesson Week 1: Introduction Personal Finance 1. Understand the definition of personal finance. 2. Understand the importance and need for personal finance. 3. Understand the importance of setting financial goals. 4. Understand the relationship between financial and personal goals 1. Understand the definition of budgeting and a budget. 2. Understand the terms used in budgeting. 3. Understand how to create and modify a budget. 4. Understand how to relate our budget to our personal and financial goals 1. Understand the different types of compensation. 2. Understand how to determine gross pay. 3. Understand how to determine net pay. 4. Understand the difference between withholdings and deductions 1. Understand what a checking account is used for. 2. Understand the terms used with checking accounts. 3. Understand how to write a check. 4. Understand how to make a withdrawal. 5. Understand how to make a deposit. Week 2-3: Budgeting Time Management & Health Education & Career Advancement Week 3-4: Types of Compensation Finding a Job Paying Your Taxes Week 4-6: Managing a Checking Account Week 6: Comparison shopping 1. Understand what comparison shopping is. 2. Understand how to comparison shop. 3. Understand the different resources available to you as a consumer. 4. Understand how to use the resources available to you as a consumer 1. Understand the importance of credit. 2. Understand the importance of your personal credit rating. 3. Understand how your personal credit rating is determined. 4. Understand the different types of credit. 5. Understand how to use credit wisely. 6. Understand different finance methods Week 7-8: Credit Using Online Banking Shopping Fixing Your Credit
3 1. Understand the need for insurance. 2. Understand the different types of insurance. 3. Understand how to determine your risk level, in other words how to purchase insurance that is right for you 1. Understand the need for investing and saving. 2. Understand the difference between saving and investing. 3. Understand different types of savings accounts. 4. Understand different types of investment. 5. Understand how to determine simple and compound interest. 6. Understand how to determine return on investment 1. Understand the purpose of taxation. 2. Understand the different types of taxes. 3. Understand how different taxes are determined. 4. Understand the different taxing methods 1. Understand how to look for a home. 2. Understand the process for purchasing a home. 3. Understand different mortgage types. Week 8-11: Managing Insurance Finding a Job Finding an Apartment Insurance Week 12-15: Savings and Investments Week 16-18: Taxes Week 18-19: Home purchase Paying Your Taxes Social Studies Standard 4: Economics Unit V: Money, Finance & Personal Finance Concepts A. Money 1. Definition of Money 2. Characteristics and functions of money 3. Money and the future: a cashless society? B. Introduction to finance and personal finance 1. Definition of Finance 2. Personal financial goals & strategies 3. The role of finance in business & government C. Instruments, institutions, financial markets, and Finding a Job Personal Finance Lesson Shopping Education & Advancement Using Online Banking Risk Vs. Return
4 investors 1. Instruments a. Equity (stocks) b. Debt (public & private) 2. Markets a. Roles markets play in directing funds from savers to investors b. Effects markets have on individuals and the economy c. Types of markets: equity, debt, stock, bond, commodity (NYSE, NASDAQ) d. Effects of current events on domestic and global markets e. Risk 3. Banks: their role in the financial system, and importance to consumers a. Kinds of banks and other deposittaking institutions; savings accounts, checking accounts and loans i. Commercial and savings serving consumers and businesses; issues related to minorities and minorityowned businesses ii. Investment banks raising capital b. Banks and businesses c. Banks and the consumer d. Banks as financial intermediaries 4. Insurance a. Purpose of insurance b. Kinds of insurance c. Shopping for insurance 5. Regulating the financial services industry a. Securities & the Exchange Commission b. Federal Reserve c. Office of the Comptroler of the Currency d. State Banking and Insurance Commissions e. FDIC Insurance D. Interest and the Cost of Money 1. Interest rates the cost of the temporary use of somebody else s money 2. Measuring interest rates APR s 3. Short and long-term rates the yield curve 4. Effects of raising and lowering rates 5. Compounding and the rule of Interest rate spread E. Credit 1. Forms of credit (loans, credit, cards, commercial paper, Treasury notes, bills and Fixing Your Credit
5 bonds 2. Benefits and costs of credit 3. Credit and consumer personal credit reports and ratings, abuses of credit, abuses of creditors (e.g., predatory lending) 4. Short- term versus long-term credit 5. Problems with credit and unsecured credit F. Managing Your Money 1. Strategies to achieve long-term goals 2. Budgeting a. Personal considerations (e.g., risk tolerance, values, age, family situation) b. Return on investment c. Managing risk through diversification d. Liquidity 4. Influence of advertising 5. Tax sheltering G. Careers in Financial Services Industry Managing risk, hedging thrifts, prime rate, net asset value Education & Career Advancement
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