NZC Strand NZQA Personal Financial Management Credits Achievement Unit Standard 1 What is Money? Level 1 Money General Knowledge
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1 Bamzonia lesson NZC Strand NZQA Personal Financial Management Credits Achievement Unit Standard 1 What is Money? Money General Knowledge Histroy of money - from bartering to electronic money 2 Going it Alone -4 Spending and 2 young people leave home and create a budget tailored to their weekly/monthly income. Produce a balanced budget to manage personal finances 3 A Produce a balanced budget and adjust the budget to reflect changing financial circumstances 3 AME PFM8 3 What is income? Various ources of income, income shocks, income tax, IRD Perform income-related calculations for personal financial 1 A income, taxation, and other deductions for personal financial 2 A Credit -5 Credit Uses of credit, contracts, Student loan, mortgage, business loans, security, car loan, HP, credit cards, overdrafts, bad loans, loan sharks, tips. manageable and unmanageable credit and debt 3 AME PFM2 Describe the future financial responsibilities of utilising tertiary study funding options 3 AME PFM7
2 Analyse and compare credit options and recommend strategies to manage personal finances 3 AME PFM13 5 How would you like to pay? Money Cash, cheques, online banking, direct debit, loans, EFTPOS, credit and debit cards. Spending and Transacting Evaluate and select personal banking products and services in relation to personal financial needs 3 AME PFM11 6 The Danger of Level 4 Credit Causes, bad dept, loan sharks, consequences, warning signs, managing, consolidation, creditworthiness, garantor, tips. manageable and unmanageable credit and debt 3 AME PFM2 7 Doing the paperwork Spending and Rent book, power bills, water rates, grocery shopping, garage bill, insurance renewal, credit card and bank statements. Spending and Transacting Interpret and verify accuracy of personal financial documents 2 A Produce a balanced budget to manage personal finances 3 A Life Aspirations & 4 What do you aspire to be at 25 or 40? Earning potential with Degrees/Trades, House and family, retirement, money profile, tips to achieve aspirations Make an informed decision relating to personal income and evaluate its consequences 2 A 24699
3 income the effect of life stage factors on personal income sources 1 AME PFM1 Develop a plan to achieve a longterm personal financial goal(s) 4 AME PFM14 9 Budgets & 3 Spending and How to balance a family budget, needs and wants priorotise. Setting goals Produce a balanced budget and adjust the budget to reflect changing financial circumstances 3 AME PFM8 10 Protect Yourself &4 Risk Types of insurance, Life, mortage protection, income protection, ACC, health insurance, home, contents, Insurance companies, Insurance brokers. assets and wealth Evaluate and select insurance product types in relation to events for personal finances 3 AME PFM10 assets and wealth Describe risks and basic risk strategies for personal finances 3 AME PFM5 11 What are you Banking on? Saving Transaction account, credit and debit cards, home loan, Insurance, home and contents, income protection, life insurance KiwiSaver, share trading, personal loan, savings accounts, term deposit, holiday insurance, foreign exchange. Evaluate and select personal banking products and services in relation to personal financial needs 3 AME PFM11 12 Bring Your Own Device -4 Setting goals
4 Goal: to buy an ipad, research, budget, earning extra money to achieve goal, SMART objective,measure, earning interest. Perform income-related calculations for personal financial 1 A Setting goals personal financial goal setting 3 AME PFM3 13 Risk and Return -5 Risk Risk vs return, asset classes, savings accounts, bonds, company/country credit ratings, property, shares, dividends, assets, gambling. Describe risks and basic risk strategies for personal finances 3 AME PFM5 personal financial saving and investment options 4 AME PFM4 Evaluate personal financial investment opportunities 3 AME PFM9 Plan a long term personal financial 4 AME PFM15 14 The Big Picture -5 Saving Deposit for a home in 10 years, SMART objectives, calculations, income planning, KPI's, earning and measuring, savings interest, University fees, student loan, income tax, KiwiSaver, budgeting income, Mortgage deposit, mortgage repayments, rental income, inflation. Develop a plan to achieve a longterm personal financial goal(s) 4 AME PFM14 Plan a long term personal financial 4 AME PFM15
5 Evaluate personal financial investment opportunities 3 AME PFM9 personal financial saving and investment options 4 AME PFM4 15 KiwiSaver Level 5 Saving Kick-start, personal, employer and government contributions, %, Member tax credits, self-employed, not employed over or under 18, contributions holiday, first home, providers, schemes, fees, risk profile, risk vs return, choosing a fund. the effect of life stage factors on personal income sources 3 AME PFM1 Analyse the effect of significant life events at different life stages on personal financial income 3 AME PFM6
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