<standards name='JumpStart'><title>National Standards in Personal Finance</title><content><![CDATA[<font color='#333333'><p>These standards in personal finance are current as of <b>2007</b>. No Internet connection was detected. When you have an Internet connection, the application will automatically look for updated standards for your state.</p><br><p>View the <a href="asfunction:loadstandard,standards_ncee_ve45.xml">National Standards in Economics</a>.</p><br><p>Visit the <a href='asfunction:gotoWebPage,http://ve.councilforeconed.org/library/state-standards.php?state=Financial_Literacy'>web site</a> to learn more.</p><p>----------------------------------------------------------------</p><p class='contentarea'>Content Area: Personal Finance</p><p>----------------------------------------------------------------</p><p class='contentarea'>Standard: 1</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Financial Responsibility and Decision Making</li><li><textformat leftmargin='15'>Apply reliable information and systematic decision making to personal financial decisions. </textformat></li><li><textformat leftmargin='30'>Take responsibility for personal financial decisions.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144290|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Financial Responsibility and Decision Making</li><li><textformat leftmargin='15'>Apply reliable information and systematic decision making to personal financial decisions. </textformat></li><li><textformat leftmargin='30'>Find and evaluate financial information from a variety of sources. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144291|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Financial Responsibility and Decision Making</li><li><textformat leftmargin='15'>Apply reliable information and systematic decision making to personal financial decisions. </textformat></li><li><textformat leftmargin='30'>Summarize major consumer protection laws.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144292|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Financial Responsibility and Decision Making</li><li><textformat leftmargin='15'>Apply reliable information and systematic decision making to personal financial decisions. </textformat></li><li><textformat leftmargin='30'>Make financial decisions by systematically considering alternatives and consequences.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144293|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Financial Responsibility and Decision Making</li><li><textformat leftmargin='15'>Apply reliable information and systematic decision making to personal financial decisions. </textformat></li><li><textformat leftmargin='30'>Control personal information. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144295|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Income and Careers</li><li><textformat leftmargin='15'>Use a career plan to develop personal income potential. </textformat></li><li><textformat leftmargin='30'>Explore career options.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144296|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Income and Careers</li><li><textformat leftmargin='15'>Use a career plan to develop personal income potential. </textformat></li><li><textformat leftmargin='30'>Identify sources of personal income.</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144297|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Income and Careers</li><li><textformat leftmargin='15'>Use a career plan to develop personal income potential. </textformat></li><li><textformat leftmargin='30'>Describe factors affecting take-home pay. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144298|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Planning and Money Management</li><li><textformat leftmargin='15'>Organize personal finances and use a budget to manage cash flow. </textformat></li><li><textformat leftmargin='30'>Develop a plan for spending and saving. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144299|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Planning and Money Management</li><li><textformat leftmargin='15'>Organize personal finances and use a budget to manage cash flow. </textformat></li><li><textformat leftmargin='30'>Develop a system for keeping and using financial records. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144300|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Planning and Money Management</li><li><textformat leftmargin='15'>Organize personal finances and use a budget to manage cash flow. </textformat></li><li><textformat leftmargin='30'>Describe how to use different payment methods. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144301|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Planning and Money Management</li><li><textformat leftmargin='15'>Organize personal finances and use a budget to manage cash flow. </textformat></li><li><textformat leftmargin='30'>Apply consumer skills to purchase decisions. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144302|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Planning and Money Management</li><li><textformat leftmargin='15'>Organize personal finances and use a budget to manage cash flow. </textformat></li><li><textformat leftmargin='30'>Consider charitable giving. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144303|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Planning and Money Management</li><li><textformat leftmargin='15'>Organize personal finances and use a budget to manage cash flow. </textformat></li><li><textformat leftmargin='30'>Develop a personal financial plan. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144304|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Credit and Debt</li><li><textformat leftmargin='15'>Maintain creditworthiness, borrow at favorable terms, and manage debt. </textformat></li><li><textformat leftmargin='30'>Identify the costs and benefits of various types of credit. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144306|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Credit and Debt</li><li><textformat leftmargin='15'>Maintain creditworthiness, borrow at favorable terms, and manage debt. </textformat></li><li><textformat leftmargin='30'>Explain the purpose of a credit record and identify borrowers' credit report rights. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144307|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Credit and Debt</li><li><textformat leftmargin='15'>Maintain creditworthiness, borrow at favorable terms, and manage debt. </textformat></li><li><textformat leftmargin='30'>Describe ways to avoid or correct debt problems. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144308|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Credit and Debt</li><li><textformat leftmargin='15'>Maintain creditworthiness, borrow at favorable terms, and manage debt. </textformat></li><li><textformat leftmargin='30'>Summarize major consumer credit laws. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144309|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Risk Management and Insurance</li><li><textformat leftmargin='15'>Use appropriate and cost-effective risk management strategies. </textformat></li><li><textformat leftmargin='30'>Identify common types of risks and basic risk management methods. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144310|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Risk Management and Insurance</li><li><textformat leftmargin='15'>Use appropriate and cost-effective risk management strategies. </textformat></li><li><textformat leftmargin='30'>Explain the purpose and importance of property and liability insurance protection. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144311|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Risk Management and Insurance</li><li><textformat leftmargin='15'>Use appropriate and cost-effective risk management strategies. </textformat></li><li><textformat leftmargin='30'>Explain the purpose and importance of health, disability, and life insurance protection. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144312|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 1</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Saving and Investing</li><li><textformat leftmargin='15'>Implement a diversified investment strategy that is compatible with personal goals. </textformat></li><li><textformat leftmargin='30'>Discuss how saving contributes to financial well-being. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144313|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 2</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Saving and Investing</li><li><textformat leftmargin='15'>Implement a diversified investment strategy that is compatible with personal goals. </textformat></li><li><textformat leftmargin='30'>Explain how investing builds wealth and helps meet financial goals. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144314|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 3</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Saving and Investing</li><li><textformat leftmargin='15'>Implement a diversified investment strategy that is compatible with personal goals. </textformat></li><li><textformat leftmargin='30'>Evaluate investment alternatives. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144315|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 4</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Saving and Investing</li><li><textformat leftmargin='15'>Implement a diversified investment strategy that is compatible with personal goals. </textformat></li><li><textformat leftmargin='30'>Describe how to buy and sell investments. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144316|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 5</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Saving and Investing</li><li><textformat leftmargin='15'>Implement a diversified investment strategy that is compatible with personal goals. </textformat></li><li><textformat leftmargin='30'>Explain how taxes affect the rate of return on investments. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144317|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: 6</p><p>----------------------------------------------------------------</p><p class='contentarea'>K-12</p><br><li>Saving and Investing</li><li><textformat leftmargin='15'>Implement a diversified investment strategy that is compatible with personal goals. </textformat></li><li><textformat leftmargin='30'>Investigate how agencies that regulate financial markets protect investors. </textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,144318|true|true|true|true|||'>Find lessons that meet this standard >></a></p></textformat><br></font>]]>
</content>
<correlations>
<standard id='144290'>17818,67667,67669,67670,17795,56534,56531,56532,56533,68207,68200,68199,67915,67916,68201,68202,68206,68205,68204,271,285,346,581,759,470,517,463,592,489,</standard>
<standard id='144291'>68201,56534,56533,68167,56532,68202,68200,68203,68176,17812,68177,17810,15851,20965,68278,68241,62326,271,346,585,121,773,707,702,333,334,455,</standard>
<standard id='144292'>67917,62643,68248,61970,68205,68212,67932,20929,67935,68210,68207,67933,20938,67882,68270,20954,67889,20946,68204,20940,43,394,651,847,346,26,383,384,58,41,</standard>
<standard id='144293'>68235,68238,68278,68203,68206,67925,68177,17811,17812,67116,62644,68094,20798,20943,20942,20941,68209,67667,67121,414,361,346,461,584,702,707,306,792,94,</standard>
<standard id='144295'>68171,61984,68210,17812,68212,17810,61983,68244,68242,68239,68176,20829,62144,67878,68094,68168,68175,68172,68246,68167,36,455,388,157,45,910,84,162,847,175,</standard>
<standard id='144296'>68199,17809,20811,20863,20798,20810,56531,68198,68197,56529,56530,20806,15429,68237,62325,68142,62177,20929,62618,20836,719,702,94,650,994,203,154,1011,745,602,</standard>
<standard id='144297'>17813,20800,56530,20806,68292,61985,56529,20802,68198,15854,68164,60259,68197,56531,20808,17809,68237,20807,68290,650,154,203,318,469,94,719,702,128,692,</standard>
<standard id='144298'>20811,62325,68198,68197,68142,56530,68237,17809,56529,20806,68199,15429,68277,20799,60259,20863,60333,56531,994,650,719,154,203,1011,602,94,745,702,</standard>
<standard id='144299'>56529,17811,68197,65743,56530,68206,67113,67858,62318,68203,67925,68170,68210,68212,68211,68235,68278,68177,68238,910,650,414,113,346,702,306,792,707,94,</standard>
<standard id='144300'>56529,17811,68197,65743,56530,68206,67113,67858,62318,68203,67925,68170,68210,68212,68211,68235,68278,68177,68238,910,650,414,113,346,702,306,792,707,94,</standard>
<standard id='144301'>62144,68176,61984,68175,20829,68167,68168,68171,61983,68297,68244,68210,68242,68246,17810,68300,68111,68212,62516,62605,570,515,175,84,388,455,26,37,847,36,</standard>
<standard id='144302'>68169,56534,68167,56532,56533,68201,68200,68202,68205,68207,68204,68174,67917,20834,20836,20941,20990,20929,68094,20991,346,209,453,162,188,43,276,403,461,847,</standard>
<standard id='144303'>17818,67667,67669,67670,17795,56534,56531,56532,56533,68207,68200,68199,67915,67916,68201,68202,68206,68205,68204,271,285,346,581,759,470,517,463,592,489,</standard>
<standard id='144304'>56529,17811,68197,65743,56530,68206,67113,67858,62318,68203,67925,68170,68210,68212,68211,68235,68278,68177,68238,910,650,414,113,346,702,306,792,707,94,</standard>
<standard id='144306'>62144,68176,61984,68175,20829,68167,68168,68171,61983,68297,68244,68210,68242,68246,17810,68300,68111,68212,62516,62605,570,515,175,84,388,455,26,37,847,36,</standard>
<standard id='144307'>62144,68176,61984,68175,20829,68167,68168,68171,61983,68297,68244,68210,68242,68246,17810,68300,68111,68212,62516,62605,570,515,175,84,388,455,26,37,847,36,</standard>
<standard id='144308'>56529,17811,68197,65743,56530,68206,67113,67858,62318,68203,67925,68170,68210,68212,68211,68235,68278,68177,68238,910,650,414,113,346,702,306,792,707,94,</standard>
<standard id='144309'>62144,68176,61984,68175,20829,68167,68168,68171,61983,68297,68244,68210,68242,68246,17810,68300,68111,68212,62516,62605,570,515,175,84,388,455,26,37,847,36,</standard>
<standard id='144310'>67738,68110,20801,65740,68291,62512,68245,68094,62142,68104,68106,68243,62454,68306,68297,533,476,264,543,481,553,62,676,276,694,</standard>
<standard id='144311'>65740,65742,67942,68110,68296,65743,65741,65688,65717,65718,65719,65689,65690,65720,65691,65693,65692,65723,65756,65757,354,312,745,255,270,273,253,271,268,263,</standard>
<standard id='144312'>65740,65742,67942,68110,68296,65743,65741,65688,65717,65718,65719,65689,65690,65720,65691,65693,65692,65723,65756,65757,354,312,745,255,270,273,253,271,268,263,</standard>
<standard id='144313'>68244,68300,68297,68246,68210,61983,17810,20829,61984,68167,68168,62144,68243,68176,68242,67123,60254,175,36,570,455,388,515,847,603,37,84,</standard>
<standard id='144314'>68242,62144,68243,61983,68246,61984,68244,68210,20829,68168,68176,17810,68167,68300,68297,68097,68095,68308,60254,37,36,570,847,455,515,175,388,84,603,</standard>
<standard id='144315'>61983,68242,67942,62144,68243,60254,67749,65690,17830,68104,68245,61982,68239,918,335,334,292,333,175,698,388,84,66,</standard>
<standard id='144316'>67942,68242,68111,68245,68243,68110,62144,67857,60254,60253,67742,61983,67749,918,333,501,505,335,345,371,292,771,58,</standard>
<standard id='144317'>67942,68242,68111,68245,68243,68110,62144,67857,60254,60253,67742,61983,67749,918,333,501,505,335,345,371,292,771,58,</standard>
<standard id='144318'>68242,60253,68110,20963,65723,62584,62645,65690,62602,67857,68111,60254,68245,67942,918,64,476,84,348,585,691,700,66,702,</standard>
</correlations>
</standards>