West Virginia Schools & Education Online



Personal Finance WVEIS 1451

This area of study is designed to provide students with the knowledge and skills needed in a multi-disciplinary approach to personal financial management. Students will utilize problem-solving techniques and participate in hands-on activities to develop an understanding of course concepts. Teachers should provide each student with real world learning opportunities and instruction related to business occupations. Students are encouraged to become active members of the student organizations FBLA or DECA. The West Virginia Standards for 21st Century Learning include the following components: 21st Century Content Standards and 21st Century Learning Skills and Technology Tools. All West Virginia teachers are responsible for classroom instruction that integrates learning skills, technology tools, and content standards and objectives.

|Grade 9-12 | Personal Finance (1451) |

|Standard: 1 | Consumer Roles |

|BE.S.PFIN.1 |Students will develop consumer skills as related to finances. |

|Objectives |Students will |

|BE.O.PFIN.1.1 |examine basic economic concepts and their impact on pricing and spending. |

|BE.O.PFIN.1.2 |examine consumer rights, responsibilities and remedies. |

|BE.O.PFIN.1.3 |relate the impact of marketing and advertising on consumer demand and decision-making globally. |

|BE.O.PFIN.1.4 |demonstrate comparison shopping. |

|BE.O.PFIN.1.5 |research financial information from a variety of sources. |

|BE.O.PFIN.1.6 |prepare a personal finance record filing system. |

|BE.O.PFIN.1.7 |outline the steps for making a purchase decision. |

|BE.O.PFIN.1.8 |determine the difference in consumer protection regulations. |

|BE.O.PFIN.1.9 |recognize common types of consumer contracts. |

|Performance Descriptors (BE.PD.PFIN.1) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in the consumer role. The student can |that meet the standard in the consumer role. The student can |omissions in the consumer role. The student can examine basic |

|evaluate basic economic concepts and their impact on pricing and |explore basic economic concepts and their impact on pricing and |economic concepts and their impact on pricing and spending; examine|

|spending; communicate consumer rights, responsibilities and |spending; discuss consumer rights, responsibilities and remedies; |consumer rights, responsibilities and remedies; relate the impact |

|remedies; contrast the impact of marketing and advertising on |state the impact of marketing and advertising on consumer demand |of marketing and advertising on consumer demand and decision-making|

|consumer demand and decision-making globally; perform comparison |and decision-making globally; describe comparison shopping; |globally; demonstrates comparison shopping; research financial |

|shopping; critique financial information from a variety of sources;|identify financial information from a variety of sources; give |information from a variety of sources; prepare a personal finance |

|develop a personal finance record filing system; rank the steps for|examples of a personal finance record filing system; write the |record filing system; outline the steps for making a purchase |

|making a purchase decision; investigate the difference in consumer |steps for making a purchase decision; review the difference in |decision; determine the difference in consumer protection |

|protection regulations; and evaluate common types of consumer |consumer protection regulations; and describe common types of |regulations; and recognize common types of consumer contracts. |

|contracts. The student can independently solve problems and is |consumer contracts. Application of knowledge and skills is |Performance needs further development and supervision. |

|self-directed. |thorough and effective and the student can work independently. | |

|Standard: 2 |Banking Transactions |

|BE.S.PFIN.2 |Students will analyze and interpret financial institutions. |

|Objectives |Students will |

|BE.O.PFIN.2.1 |differentiate the types of financial institutions. |

|BE.O.PFIN.2.2 |research financial institutions affect on personal financial planning. |

|BE.O.PFIN.2.3 |analyze financial institutions in terms of services and related costs associated with personal banking. |

|BE.O.PFIN.2.4 |determine necessary forms for opening and maintaining checking and savings accounts. |

|BE.O.PFIN.2.5 |examine the types of electronic monetary transactions. |

|BE.O.PFIN.2.6 |compare and contrast online and traditional banking. |

|BE.O.PFIN.2.7 |reconcile a bank statement. |

|BE.O.PFIN.2.8 |compare the U.S. monetary system with the international monetary system. |

|BE.O.PFIN.2.9 |research the Federal Reserve System. |

|Performance Descriptors (BE.PD.PFIN.2) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in analyzing banking transactions. The |that meet the standard in analyzing banking transactions. The |omissions in analyzing banking transactions. The student can give |

|student can interpret the types of financial institutions; research|student can differentiate the types of financial institutions; |examples the types of financial institutions; identify financial |

|financial institution’s affect on personal financial planning; |research financial institutions affect on personal financial |institutions affect on personal financial planning; interpret |

|evaluate financial institutions in terms of services and related |planning; analyze financial institutions in terms of services and |financial institutions in terms of services and related costs |

|costs associated with personal banking; obtain necessary forms for |related costs associated with personal banking; determine necessary|associated with personal banking; find necessary forms for opening |

|opening and maintaining checking and savings accounts; examine the |forms for opening and maintaining checking and savings accounts; |and maintaining checking and savings accounts; explore the types of|

|types of electronic monetary transactions; compare and contrast |examine the types of electronic monetary transactions; compare and |electronic monetary transactions; discuss online and traditional |

|online and traditional banking; reconcile a bank statement; compare|contrast online and traditional banking; reconciles a bank |banking; reconcile a bank statement; discuss the U.S. monetary |

|the U.S. monetary system with the international monetary system; |statement; compare the U.S. monetary system with the international |system with the international monetary system; and research the |

|and research the Federal Reserve System. The student can |monetary system; and research the Federal Reserve System. |Federal Reserve System. Performance needs further development and |

|independently solve problems and is self-directed. |Application of knowledge and skills is thorough and effective and |supervision. |

| |the student can work independently. | |

|Standard: 3 |Income Earning and Reporting |

|BE.S.PFIN.3 |Students will explore income earnings and reporting. |

|Objectives |Students will |

|BE.O.PFIN.3.1 |differentiate sources of income. |

|BE.O.PFIN.3.2 |compute net pay. |

|BE.O.PFIN.3.3 |compute gross pay. |

|BE.O.PFIN.3.4 |investigate employee benefits and incentives. |

|BE.O.PFIN.3.5 |prepare a standard W-4 form. |

|Performance Descriptors (BE.PD.PFIN.3) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in earning and reporting income. The |that meet the standard in earning and reporting income. The |omissions in exploring earning and reporting income. The student |

|student can compare sources of income; compute net pay; compute |student can differentiate sources of income; compute net pay; |can review sources of income; calculate net pay; calculate gross |

|gross pay; interpret employee benefits and incentives; and prepare |compute gross pay; investigate employee benefits and incentives; |pay; discusses employee benefits and incentives; and prepare a |

|a standard W-4 form. The student can independently solve problems |and prepare a standard W-4 form. Application of knowledge and |standard W-4 form. Performance needs further development and |

|and is self-directed. |skills is thorough and effective and the student can work |supervision. |

| |independently. | |

|Standard: 4 |Personal Financial Success |

|BE.S.PFIN.4 |Students will plan for personal financial success. |

|Objectives |Students will |

|BE.O.PFIN.4.1 |prepare personal financial short-term and long-term goals. |

|BE.O.PFIN.4.2 |identify anticipated income and expenses. |

|BE.O.PFIN.4.3 |identify unanticipated income and expense. |

|BE.O.PFIN.4.4 |develop a budget. |

|BE.O.PFIN.4.5 |debate how economics influences financial plans. |

|Performance Descriptors (BE.PD.PFIN.4) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in personal financial success. The |that meet the standard in personal financial success. The student |omissions in personal financial success. The student can discuss |

|student can generate personal financial short-term and long-term |can prepare personal financial short-term and long-term goals; |personal financial short-term and long-term goals; describe |

|goals; develop anticipated income and expenses; develop |identify anticipated income and expenses; identify unanticipated |anticipated income and expenses; identify unanticipated income and |

|unanticipated income and expense; create a budget; and compare and |income and expense; develop a budget; and debate how economics |expense; develop a budget; and review how economics influences |

|contrast how economics influences financial plans. |influences financial plans. Application of knowledge and skills |financial plans. Performance needs further development and |

|The student can independently solve problems and is self-directed. |is thorough and effective and the student can work independently. |supervision. |

|Standard: 5 |Tax Functions |

|BE.S.PFIN.5 |Students will explore federal, state and local taxes. |

|Objectives |Students will |

|BE.O.PFIN.5.1 |research the types, and purposes, of federal, state and local taxes. |

|BE.O.PFIN.5.2 |determine how federal, state, and local taxes are levied. |

|BE.O.PFIN.5.3 |research tax deductions and sales credits for a tax form. |

|BE.O.PFIN.5.4 |calculate state taxes on products and services. |

|BE.O.PFIN.5.5 |complete and complete a state income tax form manually and electronically. |

|BE.O.PFIN.5.6 |compare short and itemized federal income tax forms, manually and electronically. |

|Performance Descriptors (BE.PD.PFIN.5) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in tax functions. The student can evaluate|that meet the standard in tax functions. The student can research |omissions in exploring federal, state and local tax functions. The|

|the types, and purposes, of federal, state and local taxes; assess |the types, and purposes, of federal, state and local taxes; |student can understand the types, and purposes, of federal, state |

|how federal, state, and local taxes are levied; critique tax |determine how federal, state, and local taxes are levied; research |and local taxes; interpret how federal, state, and local taxes are |

|deductions and sales credits for a tax form; compute state taxes on|tax deductions and sales credits for a tax form; calculate state |levied; find tax deductions and sales credits for a tax form; |

|products and services; prepare a state income tax form manually and|taxes on products and services; complete a state income tax form |calculate state taxes on products and services; complete a state |

|electronically; and prepare short and itemized federal income tax |manually and electronically; and compare and complete short and |income tax form manually and electronically; and complete short and|

|forms, manually and electronically. The student can independently |itemized federal income tax forms, manually and electronically. |itemized federal income tax forms, manually and electronically. |

|solve problems and is self-directed. |Application of knowledge and skills is thorough and effective and |Performance needs further development and supervision. |

| |the student can work independently. | |

|Standard: 6 |Investment and Savings Plans |

|BE.S.PFIN.6 |Students will devise investment and savings plans. |

|Objectives |Students will |

|BE.O.PFIN.6.1 |investigate costs and income sources for investments. |

|BE.O.PFIN.6.2 |compare and contrast options for investments and savings. |

|BE.O.PFIN.6.3 |compare simple interest versus compound interest on savings. |

|BE.O.PFIN.6.4 |research the stock market and how it works. |

|BE.O.PFIN.6.5 |research the Social Security System. |

|BE.O.PFIN.6.6 |investigate the Social Security System and how it effects retirement planning. |

|BE.O.PFIN.6.7 |compare and contrast retirement plans. |

|Performance Descriptors (BE.PD.PFIN.6) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in devising investment and savings plans. |that meet the standard in devising investment and savings plans. |omissions in exploring investments and savings plans. The student |

|The student can compare and contrast costs and income sources for |The student can investigate costs and income sources for |can identify costs and income sources for investments; gives |

|investments; compare and contrasts options for investments and |investments; compare and contrast options for investments and |example options for investments and savings; explain simple |

|savings; compare simple interest verses compound interest on |savings; compare simple interest verses compound interest on |interest verses compound interest on savings; understand the stock |

|savings; analyze the stock market and how it works; evaluate the |savings; research the stock market and how it works; research the |market and how it works; interpret the Social Security System; |

|Social Security System; critique the Social Security System and how|Social Security System; investigate the Social Security System and |report on the Social Security System and how it effects retirement |

|it effects retirement planning; and negotiate retirement plans. The|how it effects retirement planning; and compare and contrast |planning; and discuss retirement plans. Performance needs further |

|student can independently solve problems and is self-directed. |retirement plans. Application of knowledge and skills is thorough |development and supervision. |

| |and effective and the student can work independently. | |

|Standard: 7 |Compare Transportation and Housing Cost |

|BE.S.PFIN.7 |Students will compare transportation and housing costs. |

|Objectives |Students will |

|BE.O.PFIN.7.1 |research the process of purchasing a house. |

|BE.O.PFIN.7.2 |research the process of renting housing. |

|BE.O.PFIN.7.3 |compare and contrast the advantages and disadvantages of purchasing versus renting house. |

|BE.O.PFIN.7.4 |calculate housing expenses involved in independent living such as utilities, maintenance, services, etc. |

|BE.O.PFIN.7.5 |determine the process for purchasing a vehicle. |

|BE.O.PFIN.7.6 |investigate the process of leasing a vehicle. |

|BE.O.PFIN.7.7 |compare leasing versus purchasing a vehicle. |

|Performance Descriptors (BE.PD.PFIN.7) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in caring transportation and housing |that meet the standard in comparing transportation and housing |omissions in comparing transportation and housing costs. The |

|costs. The student and compile the processes of purchasing a |costs. The student can research the process of purchasing a house;|student can understand the process of purchasing a house; |

|house; compile the processes of renting housing; formulate the |research the process of renting housing; compare and contrast the |understand the process of renting housing; identify the advantages |

|advantages and disadvantages of purchasing versus renting house; |advantages and disadvantages of purchasing versus renting house; |and disadvantages of purchasing versus renting house; list and |

|organize housing expenses involved in independent living such as |calculate housing expenses involved in independent living such as |labels housing expenses involved in independent living such as |

|utilities, maintenance, services, etc.; interpret the process for |utilities, maintenance, services, etc.; determine the process for |utilities, maintenance, services, etc.; explain the process for |

|purchasing a vehicle; interpret the process of leasing a vehicle; |purchasing a vehicle; investigate the process of leasing a vehicle;|purchasing a vehicle; review the process of leasing a vehicle; and |

|and compare leasing versus purchasing a vehicle. The student can |and compare leasing versus purchasing a vehicle. Application of |interpret leasing versus purchasing a vehicle. Performance needs |

|independently solve problems and is self-directed. |knowledge and skills is thorough and effective and the student can |further development and supervision. |

| |work independently. | |

|Standard: 8 |Credit and Loan Procedures |

|BE.S.PFIN.8 |Students will analyze credit and loan procedures |

|Objectives |Students will |

|BE.O.PFIN.8.1 |examine methods for financing purchases. |

|BE.O.PFIN.8.2 |compute payment schedules for a loan utilizing manual, electronic and on-line tools. |

|BE.O.PFIN.8.3 |analyze features of credit cards and their impact on financial planning. |

|BE.O.PFIN.8.4 |determine qualifications for obtaining credit. |

|BE.O.PFIN.8.5 |complete a sample credit application. |

|BE.O.PFIN.8.6 |analyze credit and loan laws. |

|BE.O.PFIN.8.7 |identify debt management strategies. |

|BE.O.PFIN.8.8 |research sources for assistance with debt management . |

|BE.O.PFIN.8.9 |research the credit scoring process. |

|BE.O.PFIN.8.10 |establish reasons for maintaining sound credit ratings. |

|BE.O.PFIN.8.11 |analyze the costs and conditions of secured and unsecured loans. |

|BE.O.PFIN.8.12 |research bankruptcy laws and implications. |

|Performance Descriptors (BE.PD.PFIN.8) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in credit and loan procedures. The |that meet the standard in credit and loan procedures. The student |omissions in credit and loan procedures. |

|student can assess methods for financing purchases; compute payment|can examine methods for financing purchases; compute payment |The student can understand methods for financing purchases; |

|schedules for a loan utilizing manual, electronic and on-line |schedules for a loan utilizing manual, electronic and on-line |calculate payment schedules for a loan utilizing manual, electronic|

|tools; compare and contrast features of credit cards and their |tools; analyze features of credit cards and their impact on |and on-line tools; review features of credit cards and their impact|

|impact on financial planning; ranks qualifications for obtaining |financial planning; determine qualifications for obtaining credit;|on financial planning; discuss qualifications for obtaining |

|credit; |complete a sample credit application; analyze credit and loan laws;|credit; complete a sample credit application; identify credit and |

|complete a sample credit application; evaluate credit and loan |identify debt management strategies; research sources for |loan laws; identify debt management strategies; describe sources |

|laws; prepare debt management strategies; research sources for |assistance with debt management ; research the credit scoring |for assistance with debt management ; make sense of the credit |

|assistance with debt management ; investigate the credit scoring |process; establish reasons for maintaining sound credit ratings; |scoring process; give reasons for maintaining sound credit ratings;|

|process; rank reasons for maintaining sound credit ratings; |analyze the costs and conditions of secured and unsecured loans; |understand the costs and conditions of secured and unsecured loans;|

|evaluate the costs and conditions of secured and unsecured loans; |and research bankruptcy laws and implications. Application of |and review bankruptcy laws and implications. Performance needs |

|and research bankruptcy laws and implications. The student can |knowledge and skills is thorough and effective and the student can |further development and supervision. |

|independently solve problems and is self-directed. |work independently. | |

|Standard: 9 |Insurance as Risk Management |

|BE.S.PFIN.9 |Students will evaluate insurance as risk management. |

|Objectives |Students will |

|BE.O.PFIN.9.1 |analyze insurance as a risk management strategy. |

|BE.O.PFIN.9.2. |determine the role of insurance for financial planning. |

|BE.O.PFIN.9.3 |compare the types of life insurance coverage. |

|BE.O.PFIN.9.4 |compare the types of health insurance coverage. |

|BE.O.PFIN.9.5 |compare the types of property coverage. |

|BE.O.PFIN.9.6 |compare the types of property coverage. |

|BE.O.PFIN.9.7 |compare the types of automobile insurance coverage. |

|Performance Descriptors (BE.PD.PFIN.9) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in evaluating insurance as risk |that meet the standard in analyzing insurance as risk management. |omissions in reviewing insurance as risk management. The student |

|management. The student can evaluate insurance as a risk |The student can analyze insurance as a risk management strategy; |can understand insurance as a risk management strategy; discuss the|

|management strategy; critique the role of insurance for financial |determine the role of insurance for financial planning; compare the|role of insurance for financial planning; list the types of life |

|planning; compare the types of life insurance coverage; compare the|types of life insurance coverage; compare the types of health |insurance coverage; identify the types of health insurance |

|types of health insurance coverage; compare the types of property |insurance coverage; compare the types of property coverage; compare|coverage; list the types of property coverage; identify the types |

|coverage; compare the types of property coverage; and compare the |the types of property coverage; and compare the types of automobile|of property coverage; and explain the types of automobile insurance|

|types of automobile insurance coverage. The student can |insurance coverage. Application of knowledge and skills is thorough|coverage. Performance needs further development and supervision. |

|independently solve problems and is self-directed. |and effective and the student can work independently. | |

|Standard 10 |Participating in the Student Organization |

|BE.S.PFIN.10 |Students will participate in a local student organization. |

|Objectives |Students will |

|BE.O. PFIN.10.1 |assess the purposes and goals of the local student organization. |

|BE.O. PFIN.10.2 |discover the benefits and responsibilities of participation in student organization as an adult. |

|BE.O. PFIN.10.3 |demonstrate leadership skills through participation in student organization activities such as meetings, programs, and projects. |

|Performance Descriptors (BE.PD.PFIN.10) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills |fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in participating in the local student |that meet the standard in participating in the student |omissions in participating in the student organization. The student|

|organization. The student can assess the purposes and goals of a |organization. The student can assess the purposes and goals of the |can identify the purposes and goals of the local student |

|local student organization; evaluate the benefits and |local student organization; and discover the benefits and |organization; explain the benefits and responsibilities of |

|responsibilities of participation in a local student organization |responsibilities of participation in a local student organization |participation in a local student organization as an adult; and |

|as an adult; and incorporate leadership skills through |as an adult; and demonstrate leadership skills through |discuss leadership skills through participation in local student |

|participation in local student organization activities such as |participation in local student organization activities such as |organization activities such as meetings, programs, and projects. |

|meetings, programs, and projects. The student can independently |meetings, programs, and projects. Application of knowledge and |Performance needs further development and supervision. |

|solve problems and is self-directed. |skills is thorough and effective, and the student can work | |

| |independently. | |

|Standard: 11 |Literacy and Numeracy |

|BE.S.PFIN.11 |Students will demonstrate the literacy and numeracy skills required to solve complex, real-world problems associated with their career/technical content area and improve |

| |their thinking and reasoning skills. |

|Objectives |Students will |

|BE.O.PFIN.11.1 |utilize a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects. |

|BE.O.PFIN.11.2 |demonstrate writing skills required to complete career/technical assignments and projects. |

|BE.O.PFIN.11.3 |demonstrate accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects. |

|BE.O.PFIN.11.4 |analyze tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. |

|Performance Descriptors (BE.PD.PFIN.11) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills|fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in literacy and numeracy. The student |that meet the standard in literacy and numeracy. The student |omissions in literacy and numeracy. The student selects a variety of|

|chooses a variety of technical sources (e.g., Internet, manuals, |utilizes a variety of technical sources (e.g., Internet, manuals, |technical sources (e.g., Internet, manuals, journals, directions, |

|journals, directions, reports, etc.) to complete career/technical |journals, directions, reports, etc.) to complete career/technical |reports, etc.) to complete career/technical assignments and |

|assignments and projects; performs writing skills required to |assignments and projects; demonstrates writing skills required to |projects; reproduces writing skills required to complete |

|complete career/technical assignments and projects; communicates |complete career/technical assignments and projects; demonstrates |career/technical assignments and projects; illustrates accuracy in |

|accuracy in calculating and measuring graphical work required to |accuracy in calculating and measuring graphical work required to |calculating and measuring graphical work required to complete |

|complete career/technical assignments and projects; and evaluates |complete career/technical assignments and projects; and analyzes |career/technical assignments and projects; and explains tables, |

|tables, charts, graphs and multiple data sources to complete |tables, charts, graphs and multiple data sources to complete |charts, graphs and multiple data sources to complete |

|career/technical assignments and projects. The student can |career/technical assignments and projects. Application of |career/technical assignments and projects. Performance needs further|

|independently solve problems and is self-directed. |knowledge and skills is thorough and effective and the student can|development and supervision. |

| |work independently. | |

|Standard: 12 |21st Century Learning Skills |

|BE.S.PFIN.12 |The student will |

| |access and manipulate information for use in oral, written, or multimedia format using appropriate technology skills. |

| |apply sound reasoning processes to solve complex real-world problems and develop new ideas. |

| |exhibit leadership and ethical behavior in planning and executing tasks, as an individual or a group member. |

|Objectives |Students will |

|BE.O.PFIN.12.1 |search online using a range of technology tools and media to access relevant information needed for problem solving. |

|BE.O.PFIN.12.2 |create information for oral, written, and multimedia communications, adhering to copyright laws. |

|BE.O.PFIN.12.3 |engage in problem solving and critical thinking processes to create and evaluate complex strategies in order to independently solve problems. |

|BE.O.PFIN.12.4 |adapt to new situations by considering multiple perspectives and a commitment to continued learning. |

|BE.O.PFIN.12.5 |exhibit ethical behavior and positive leadership while working collaboratively in the school and/or community. |

|BE.O.PFIN.12.6 |model legal and ethical behaviors in the use of technology. |

|Performance Descriptors (BE.PD.PFIN.12) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills|fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in 21st century learning skills. The |that meet the standard in 21st century learning skills. The |omissions in 21st century learning skills. The student explains |

|student assesses online technology tools and media to access |student searches online using a range of technology tools and |online technology tools and media to access relevant information |

|relevant information needed for problem solving; critiques |media to access relevant information needed for problem solving; |needed for problem solving; identifies information for oral, |

|information for oral, written, and multimedia communications, |creates information for oral, written, and multimedia |written, and multimedia communications, adhering to copyright laws; |

|adhering to copyright laws; integrates problem solving and critical|communications, adhering to copyright laws; engages in problem |discusses problem solving and critical thinking processes to create |

|thinking processes to create and evaluate complex strategies in |solving and critical thinking processes to create and evaluate |and evaluate complex strategies in order to independently solve |

|order to independently solve problems; interprets new situations by|complex strategies in order to independently solve problems; |problems; discusses new situations by considering multiple |

|considering multiple perspectives and a commitment to continued |adapts to new situations by considering multiple perspectives and |perspectives and a commitment to continued learning; reviews ethical|

|learning; incorporates ethical behavior and positive leadership |a commitment to continued learning; exhibits ethical behavior and |behavior and positive leadership while working collaboratively in |

|while working collaboratively in the school and/or community; and |positive leadership while working collaboratively in the school |the school and/or community; and describes legal and ethical |

|reinforces legal and ethical behaviors in the use of technology. |and/or community; and models legal and ethical behaviors in the |behaviors in the use of technology. Performance needs further |

|The student can independently solve problems and is self-directed. |use of technology. Application of knowledge and skills is thorough|development and supervision. |

| |and effective and the student can work independently. | |

|Standard: 13 |Entrepreneurship Skills |

|BE.S.PFIN.13 |Students will access the opportunities, concepts, processes, and personal traits/behaviors associated with successful entrepreneurial performance. |

|Objectives |Students will |

|BE.O.PFIN.13.1 |assess global trends in entrepreneurship that are related to their career/technical program. |

|BE.O.PFIN.13.2 |determine entrepreneurial opportunities in venture creation related to their career/technical program. |

|BE.O.PFIN.13.3 |examine desirable entrepreneurial personality traits. |

|Performance Descriptors (BE.PD.PFIN.13) |

|Above Mastery |Mastery |Partial Mastery |

|The student demonstrates exceptional and exemplary performance with|The student demonstrates competent and proficient performance and |The student demonstrates basic but inconsistent performance of |

|distinctive and sophisticated application of knowledge and skills |shows a thorough and effective application of knowledge and skills|fundamental knowledge and skills characterized by errors and/or |

|that exceed the standard in entrepreneurship skills. The student |that meet the standard in entrepreneurship skills. The student |omissions in entrepreneurship skills. The student lists global |

|critiques global trends in entrepreneurship that are related to |assesses global trends in entrepreneurship that are related to |trends in entrepreneurship that are related to their |

|their career/technical program; evaluates entrepreneurial |their career/technical program; determines entrepreneurial |career/technical program; describes entrepreneurial opportunities in|

|opportunities in venture creation related to their career/technical|opportunities in venture creation related to their |venture creation related to their career/technical program; and |

|program; and assesses desirable entrepreneurial personality traits.|career/technical program; and examines desirable entrepreneurial |identifies desirable entrepreneurial personality traits. Performance|

|The student can independently solve problems and is self-directed. |personality traits. Application of knowledge and skills is |needs further development and supervision. |

| |thorough and effective and the student can work independently. | |

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