ES.H.1: Use a decision-making process to develop solutions to real world problems.
ES.H.3: Demonstrate resilience and perseverance by showing willingness to complete a task.
FL.H.10.a: Align goals with desired lifestyle expectations.
FL.H.14.a: Examine the opportunity costs of saving versus spending.
FL.H.25.a: Identify ways to avoid identity theft and fraud, such as securing sensitive financial data, using care in online activities and properly disposing of sensitive documents.
FL.H.6.a: Interpret the components of a credit report.
FL.H.7.a: Discuss the purpose and role of credit and explain the value of building and maintaining a healthy credit rating, including elements of creditworthiness: character, capacity, capital, collateral and conditions.
ES.H.9: Apply important concepts in reading, writing, mathematics, science and technology to solve real-world problems.
FL.H.10.b: Develop a budget based on calculated income.
FL.H.25.b: Describe steps to recover from fraud and identity theft.
FL.H.6.b: Investigate ways that credit scores can affect a consumer's financial options.
FL.H.7.b: Identify the advantages and disadvantages of basic types of credit (e.g., unsecured versus secured credit, credit cards, installment loans, revolving credit, student loans and predatory lenders).
property and casualty (auto, motorcycle, boat, jewelry, etc.)
ES.H.7: Demonstrate and evaluate personal responsibility and pride in assigned work (e.g., asking clarifying questions, self-directed learning, self-initiated learning, quality of work).
FL.H.10.c: Identify and prioritize fixed, variable, and periodic expenses.
FL.H.15.c: Examine various types of employer-sponsored retirement opportunities.
FL.H.1.c: Compare the advantages and disadvantages of being an employee versus being self-employed.
FL.H.23: Identify common types of risk management strategies, including insurance, legal contracts, emergency funds and estate planning.
FL.H.7.c: Describe the risks, responsibilities and rights associated with using credit (e.g., APR, grace period, late fees, finance charges, default rates, interest and closing costs).
FL.H.10.d: Emphasize proactive budget priorities (e.g., pay yourself first, emergency fund, insurance, charitable contributions).
FL.H.10.e: Compare tools for tracking a budget, income and expenditures (e.g., envelope system, paper tracking, online/software options).
FL.H.19: Explain how government uses taxation to generate revenue, manage the economy and discourage/encourage certain behaviors.
FL.H.12: Demonstrate how to use different payment methods including checks, debit cards and digital services.
FL.H.8: Identify why people make financial choices: Evaluate the role of emotions, attitudes and behavior; Recognize responsibility for financial decisions and consequences; Analyze opportunity costs.
