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Content Area
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21st-Century Life and Careers
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Standard
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9.2 Personal Financial Literacy
All students will develop skills and strategies that promote personal and financial responsibility related to financial planning, savings, investment, and charitable giving in the global economy.
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Strand
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D. Planning, Saving, and Investing
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| By the end of grade |
Content Statement |
CPI# |
Cumulative Progress Indicator (CPI) |
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4
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Information about investment options assists with financial planning.
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9.2.4.D.1
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Determine various ways to save.
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Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.
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9.2.4.D.2
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Explain the concept of “opportunity cost.”
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9.2.4.D.3
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Explain what it means to “invest.”
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9.2.4.D.4
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Distinguish between saving and investing.
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8
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Information about investment options assists with financial planning.
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9.2.8.D.1
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Determine how saving contributes to financial well-being.
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9.2.8.D.2
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Differentiate among various savings tools and how to use them most effectively.
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9.2.8.D.3
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Differentiate among various investment options.
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9.2.8.D.4
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Distinguish between income and investment growth.
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Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.
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9.2.8.D.5
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Explain the economic principle of supply and demand.
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9.2.8.D.6
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Relate saving and investing decisions to successful entrepreneurship.
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9.2.8.D.7
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Calculate short- and long-term returns on various investments (e.g., stocks, bonds, mutual funds, IRAs, deferred pension plans, and so on).
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9.2.8.D.8
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Assess the impact of inflation on economic decisions and lifestyles.
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12
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Information about investment options assists with financial planning.
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9.2.12.D.1
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Summarize how investing builds wealth and assists in meeting long- and short-term financial goals.
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9.2.12.D.2
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Assess factors that influence financial planning.
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9.2.12.D.3
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Justify the use of savings and investment options to meet targeted goals.
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9.2.12.D.4
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Analyze processes and vehicles for buying and selling investments.
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9.2.12.D.5
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Compare the risk, return, and liquidity of various savings and investment alternatives.
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9.2.12.D.6
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Explain how government and independent financial services and products are used to achieve personal financial goals.
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Appropriate application of basic economic principles leads to wiser decisions for individual, family, and business financial planning.
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9.2.12.D.7
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Relate savings and investment results to achievement of financial goals.
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9.2.12.D.8
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Differentiate among various investment products and savings vehicles and how to use them most effectively.
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9.2.12.D.9
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Assess the role of revenue-generating assets as mechanisms for accruing and managing wealth.
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9.2.12.D.10
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Compare and contrast the past and present role of government in the financial industry and in the regulation of financial markets.
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9.2.12.D.11
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Determine the impact of various market events on stock market prices and on other savings and investments.
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9.2.12.D.12
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Evaluate how taxes affect the rate of return on savings and investments.
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9.2.12.D.13
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Analyze how savings, retirement plans, and other investment options help to shift current income for purposes of tax reporting and filing.
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