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Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 1
(1 week)
Distinguish between needs and wants. Compare different types of economics systems. Define scarcity. We will indulge in discussion and personal needs and wants and setting goals to achieve them.Analyze a decision in terms of trade-offs and opportunity costs. Explain the role of the profit motive in the economic system in the USEvaluate how competition among producers influences the prices of goods in a market economy. Interpret the relationship between supply and demandDiscuss consumer demand for items.
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 1
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 2
(1 week)
Explain the four parts of the business cycleCompare recession, inflation, and stagflationDescribe how the govt uses fiscal and monetary policy to combat inflation and recessionExplain the economic consequences of govt taxing and spendingExplain how the national debt hurts the economyDescribe the govt role in promoting competition Identify the laws and govt agencies that protect consumer interests
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 2
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 3
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 3
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 4
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 4
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 5
(1 week)
Explain how needs, wants, values, goals, and standards serve as guides to consumer decisions.Identify personal goals to guide your decisions.Prioritize your goals.Identify the resources available to youPlan the use of resources available to you.Use the decision making processApply management principles to help you achieve important goals.
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 5
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 6
(1 week)
Prepare a budget tailored to income and needsPrepare cash flow and net worth statementsPlan family finances for different stages in the life cycleGive examples of economic, demographic. cultural, and technological factors that can impact financial planningExplain ways to deal with a financial crisisIdentify important financial and legal documents to keep on hand.
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 6
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 7
(1 week)
Identify different types of income and employee benefitsrelate taxation to government spendinglist goods and services government providesidentify different types of taxesidentify common tax formsdescribe basic procedures for filling a tax returnexplain the purposes and function of the Social Security systemReview and Discuss ChapterComplete 1040EZ FormDiscuss Tax Rates
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 7
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 8
(1 week)
Identify different types of financial institutions Select the financial services that will best meet your needsUse ATM and debit cards responsiblyManage a personal checking accountWrite and endorse checks correctlyCalculate a checkbook balance
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 8
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 9
(1 week)
Explain the advantages and disadvantages of using a creditIdentify the different types of consumer creditdescribe how to establish a sound credit ratingdefine the key terms in credit contracts and agreementscompare credit terms and chargesoutline the steps involved in managing credit identify steps to take in resolving credit problemssummarize the laws that govern the use of credit
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 9
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 10
(1 week)
Explain how insurance protects individuals form financial risksoutline the different types of private health insurance coveragedescribe the types of government sponsored health insurance programsexplain the purpose of disability insurancedistinguish among the various types of life insuranceoutline the key factors to consider when buying home insurance
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 10
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 11
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 11
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 12
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 12
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 13
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 13
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 14
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 14
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 15
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 15
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 16
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 16
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 17
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 17
Grades 9-12 Financial Management
Unit and Time Frame Standards Evidence of UnderstandingFormative
AssessmentSummative Assessment
Instructional Strategies/Diverse Learners
Technology Strategies
Instructional Shifts
Finance
Chapter 18
(1 week)
Pre-test
Observations
Oral Questioning
Discussion
In-Class Assignments
Enrichment Activities
Peer re-teach
Lesson Quizzes
Chapter test per each chapter
End of year Exam
Whole class instruction
Small Group instruction
Individual instruction
Questioning Techniques
Monitoring Progress
Student use of a computer
Epson projector for examples and modeling
May 9, 2023 Written by: Mindy L. Clark Page 18