<standards name='KY_PF'><title>Kentucky Standards in Personal Finance</title><content><![CDATA[<font color='#333333'><p>These standards in personal finance are current as of <b>2006</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_ky_ve4.xml">State Standards in Economics</a>.</p><br><p>Visit the <a href='asfunction:gotoWebPage,http://ve.councilforeconed.org/library/state-standards.php?state=ky_pf'>web site</a> to learn more.</p><p>----------------------------------------------------------------</p><p class='contentarea'>Content Area: Financial Literacy</p><p>----------------------------------------------------------------</p><p class='contentarea'>Standard: VS-P-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Primary</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that financial decisions impact the achievement of short and long-term goals.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146520|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-P-FL-S-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Primary</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will identify goals pertaining to money that might affect individuals and families</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146521|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-P-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Primary</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that saving money is a component of financial decision-making.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146522|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-P-FL-S-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Primary</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate different ways to save money (e.g., piggy bank, local bank, savings bonds)</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146523|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that management of financial resources is needed to meet goals of individuals and families.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146524|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain how financial management is needed to meet goals of individuals and families by:</textformat></li><li><textformat leftmargin='30'>a) identifying goals pertaining to money that might affect individuals and families</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146525|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-S-1 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain how financial management is needed to meet goals of individuals and families by:</textformat></li><li><textformat leftmargin='30'>b) describing different ways to save and invest money (e.g., piggy bank, local bank, savings bonds)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146526|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-S-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will define credit and how it can be used to make purchases</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146527|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that budgets are a basic component in making financial decisions.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146528|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-S-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain the purpose of a budget and define the basic components (income, expenses, savings)</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146529|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-U-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that various services are provided by financial institutions (e.g., banks, credit unions).</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146530|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-4-FL-S-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fourth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate basic services (e.g., deposits, check cashing) provided by financial institutions (e.g., banks, credit unions)</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146531|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that management of financial resources is needed to meet goals of individuals and families.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146532|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will Students will  explain how financial management is needed to meet goals of individuals and families by:</textformat></li><li><textformat leftmargin='30'>a) investigating goals pertaining to money that might affect individuals and families</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146533|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-S-1 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will Students will  explain how financial management is needed to meet goals of individuals and families by:</textformat></li><li><textformat leftmargin='30'>b) describing various types of expenses (e.g., food, clothing, entertainment) and savings (e.g., piggy bank, bank account, savings bonds)
</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146534|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-S-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain credit and the affect of having fees with credit</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146535|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that saving plans and budgets are a basic component in making financial decisions.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146536|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-S-2 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>a) developing a simple savings plan that would achieve a specific goal</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146537|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-S-2 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>b) explaining the purpose of a budget and define the basic components (income, expenses, savings)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146538|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-U-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that various services are provided by financial institutions (e.g., banks, credit unions).</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146539|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-5-FL-S-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Fifth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will describe how basic services (e.g., deposits, check cashing) are provided by financial institutions (e.g., banks, credit unions)</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146540|false|true|false|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that management of financial resources is needed to meet goals of individuals and families.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146541|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will evaluate financial management resources and how they are needed to meet goals of individuals and families by:</textformat></li><li><textformat leftmargin='30'>a) prioritizing financial goals that might affect individuals, families and community</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146542|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-1 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will evaluate financial management resources and how they are needed to meet goals of individuals and families by:</textformat></li><li><textformat leftmargin='30'>b) explaining various types of expenses (e.g., food, clothing, entertainment) and savings (e.g., piggy bank, bank account, savings bonds)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146543|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that savings plans and budgets are a basic component in making financial decisions.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146544|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-2 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>a) developing a savings plan that would achieve a specific goal</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146545|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-2 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>b) describing basic components of a budget (e.g., income, fixed and flexible expenses, and savings)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146546|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-2 c)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>c) explaining when and why borrowing is used for the purchase of goods and services</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146547|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-U-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that various services are provided by financial institutions (e.g., banks, credit unions).</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146548|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will describe how basic services (e.g., deposits, checking account, savings account) are provided by financial institutions (e.g., banks, credit unions)</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146549|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-U-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that career choice and lifestyle impact an individual’s financial future.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146550|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-6-FL-S-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Sixth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain how financial goals affect future lifestyle expectations and career choices</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146551|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that management of financial resource practices is needed to meet goals of individuals and families.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146552|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will evaluate financial management practices including budgeting, savings, banking services (e.g., purpose of checking and savings accounts, debit/credit), and investing (e.g., general types and purpose of investing) and explain why these practices are important in achieving personal financial goals by:</textformat></li><li><textformat leftmargin='30'>a) constructing and using a personal spending/savings plan and evaluate according to short- and long-term goals</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146553|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-S-1 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will evaluate financial management practices including budgeting, savings, banking services (e.g., purpose of checking and savings accounts, debit/credit), and investing (e.g., general types and purpose of investing) and explain why these practices are important in achieving personal financial goals by:</textformat></li><li><textformat leftmargin='30'>b) explaining the difference between credit and debit cards</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146554|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that saving plans (e.g., investments, savings accounts, stocks, bonds) and budgets are economic practices in making financial decisions.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146555|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-S-2 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>a) describing basic components of a budget (e.g., income, fixed and flexible expenses, and savings)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146556|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-U-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that financial institutions (e.g., banks, brokerage firms, credit unions) provide consumer services that help in achieving financial goals.
</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146557|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-S-3 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain how financial institutions (e.g., banks, brokerage firms, credit unions) provide consumer services that help in achieving financial goals by:</textformat></li><li><textformat leftmargin='30'>a) analyzing the steps in opening and using a checking and savings account</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146558|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-U-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that career choice and lifestyle impacts an individual’s financial future</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146559|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-7-FL-S-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Seventh Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will develop financial goals for the future based on one’s lifestyle expectations and career choices</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146560|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that management of financial resource practices is needed to meet goals of individuals and families.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146561|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will evaluate financial management practices including budgeting, savings, banking services (e.g., purpose of checking and savings accounts, debit/credit), and investing (e.g., general types and purpose of investing) and explain why these practices are important in achieving personal financial goals by:</textformat></li><li><textformat leftmargin='30'>a) describing the risks and responsibilities associated with using credit</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146562|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that saving plans (e.g., investments, savings accounts, stocks, bonds) and budgets are economic practices in making financial decisions.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146563|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-S-2 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>a) constructing and using a personal spending/savings plan and evaluate according to short- and long-term goals</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146564|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-S-2 b)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will investigate savings plans and budgets in making financial decisions by:</textformat></li><li><textformat leftmargin='30'>b) analyzing basic components of a budget (e.g., income, fixed and flexible expenses, and savings)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146565|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-U-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that financial institutions (e.g., banks, brokerage firms, credit unions) provide consumer services that help in achieving financial goals.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146566|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-S-3 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will explain how financial institutions (e.g., banks, brokerage firms, credit unions) provide consumer services that help in achieving financial goals by:</textformat></li><li><textformat leftmargin='30'>a) analyzing the steps in opening and using a checking and savings account</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146567|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-U-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that career choice and lifestyle impacts an individual’s financial future</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146568|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-8-FL-S-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>Eighth Grade</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will develop financial goals for the future based on one’s lifestyle expectations and career choices</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146569|false|false|true|false|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-U-1</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that management of financial resource practices is needed to meet goals of individuals and families across the life span.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146570|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will analyze financial management practice, including budgeting, banking (e.g., check writing, balancing a checking account), savings and investments (e.g., advantages and disadvantages of savings accounts, stocks, bonds, mutual funds, certificates of deposit, IRAs, 401Ks) and explain their importance in achieving short and long-term financial goals by:</textformat></li><li><textformat leftmargin='30'>a) describing the risks and responsibilities associated with using credit (e.g., use of debit and credit cards, establishing and maintaining good credit, cause and effect of bankruptcy)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146571|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-U-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that saving plans (e.g., investments, savings accounts, stocks, bonds) and budgets are economic practices in making financial decisions.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146572|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-S-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will create and evaluate a personal spending/savings plan determined by an individual’s short- and long-term financial goals</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146573|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-U-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that financial institutions (e.g., banks, brokerage firms, credit unions) provide consumer services that help in achieving financial goals.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146574|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-S-3</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will compare an electronic means of transfer (e.g., debit cards, ATM, automatic deposits/payments) offered by various financial institutions</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146575|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-U-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that career choice and lifestyle impacts an individual’s financial future.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146576|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-S-4</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will develop financial goals for the future based on one’s lifestyle expectations and career choices</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146577|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-U-5</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Understandings</li><li><textformat leftmargin='15'>Students will understand that usage of credit involves risks and responsibilities for an individual’s financial future.</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146578|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-S-1 a)</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will analyze financial management practice, including budgeting, banking (e.g., check writing, balancing a checking account), savings and investments (e.g., advantages and disadvantages of savings accounts, stocks, bonds, mutual funds, certificates of deposit, IRAs, 401Ks) and explain their importance in achieving short and long-term financial goals by:</textformat></li><li><textformat leftmargin='30'>a) describing the risks and responsibilities associated with using credit (e.g., use of debit and credit cards, establishing and maintaining good credit, cause and effect of bankruptcy)</textformat></li><br><textformat leftmargin='40'><p><a href='asfunction:findLessonByStandard,146579|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br><p class='contentarea'>Standard: VS-H-FL-S-2</p><p>----------------------------------------------------------------</p><p class='contentarea'>High School</p><br><li>Program of Studies: Skills and Concepts</li><li><textformat leftmargin='15'>Students will create and evaluate a personal spending/savings plan determined by an individual’s short- and long-term financial goals</textformat></li><br><textformat leftmargin='25'><p><a href='asfunction:findLessonByStandard,146580|false|false|false|true|||'>Find lessons that meet this standard >></a></p></textformat><br></font>]]>
</content>
<correlations>
<standard id='146520'>68167,67114,67915,67914,20915,67916,62346,62316,67928,20943,20941,67121,20965,20929,68177,20918,20916,68174,68170,20917,489,396,392,517,365,911,364,39,414,738,</standard>
<standard id='146521'>68167,67114,67915,67914,20915,67916,62346,62316,67928,20943,20941,67121,20965,20929,68177,20918,20916,68174,68170,20917,489,396,392,517,365,911,364,39,414,738,</standard>
<standard id='146522'>68177,67878,61984,68178,67113,67925,62630,62318,61985,67929,62352,67934,68167,68168,68170,67942,67938,20965,67935,67936,414,483,361,910,455,364,584,206,539,381,</standard>
<standard id='146523'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='146524'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146525'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146526'>68177,67878,61984,68178,67113,67925,62630,62318,61985,67929,62352,67934,68167,68168,68170,67942,67938,20965,67935,67936,414,483,361,910,455,364,584,206,539,381,</standard>
<standard id='146527'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='146528'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146529'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146530'>61984,20958,20959,20963,20934,20942,20955,20940,20939,20938,20954,20957,67123,67878,67943,68169,68174,68177,67942,67935,918,358,361,66,381,455,377,585,745,556,</standard>
<standard id='146531'>20959,20958,61984,62320,67879,62319,67124,68171,20942,20955,20938,20939,20954,20934,20963,20940,67119,61968,67936,67939,66,361,556,578,918,585,358,377,381,745,</standard>
<standard id='146532'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146533'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146534'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146535'>68168,61984,61983,68171,68167,68176,68175,20959,20958,20965,20957,67123,68172,67878,62326,68177,67871,67872,67873,67870,455,481,377,66,585,591,910,390,389,385,</standard>
<standard id='146536'>68177,67878,61984,68178,62352,67932,67934,67929,67938,68168,68167,67942,20965,67935,62326,67113,67936,67925,61985,68170,483,414,361,910,455,364,539,206,584,381,</standard>
<standard id='146537'>62352,62214,67123,67878,62208,61984,20959,20965,61982,61983,67929,67932,68168,68176,68177,68178,68167,67942,67934,67935,539,364,585,206,591,393,414,455,377,483,</standard>
<standard id='146538'>67936,62318,62630,67113,67925,68170,61985,68177,62348,68171,68178,61984,67116,68164,68172,61969,67878,68166,68165,67119,483,584,414,910,361,455,556,475,375,370,</standard>
<standard id='146539'>61984,20958,20959,20963,20934,20942,20955,20940,20939,20938,20954,20957,67123,67878,67943,68169,68174,68177,67942,67935,918,358,361,66,381,455,377,585,745,556,</standard>
<standard id='146540'>20959,20958,61984,62320,67879,62319,67124,68171,20942,20955,20938,20939,20954,20934,20963,20940,67119,61968,67936,67939,66,361,556,578,918,585,358,377,381,745,</standard>
<standard id='146541'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146542'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146543'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146544'>68278,68094,60215,67878,60212,68239,68277,60214,60213,68244,68246,68242,60226,68241,60224,60234,20803,68141,68235,68238,702,346,157,725,719,153,539,773,206,469,</standard>
<standard id='146545'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='146546'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146547'>68094,68246,68244,68242,68239,68097,68247,62645,62640,68095,60222,60225,60226,67878,15851,60234,20803,67882,20802,67881,346,515,37,789,157,702,45,403,187,62,</standard>
<standard id='146548'>68242,60232,60228,62645,68094,65756,65760,60215,68245,67878,65765,60223,60224,65761,60222,67915,65769,67916,65762,65763,702,542,515,157,918,476,772,45,556,581,</standard>
<standard id='146549'>60228,60232,68242,68275,15847,15846,67879,68094,62645,68274,20833,20798,68245,60215,67916,67915,60224,65761,65760,65756,702,556,257,918,542,515,157,573,605,563,</standard>
<standard id='146550'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='146551'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='146552'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146553'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146554'>67878,68239,68094,68244,68242,68246,62645,62640,68247,68095,60226,60222,60234,60225,68097,15851,68141,68282,20803,60316,702,157,346,45,515,37,789,746,556,355,</standard>
<standard id='146555'>68277,60213,68278,62640,60216,60218,60219,60220,60215,68239,68094,60212,68097,60221,68095,60223,62208,67878,62214,62645,153,719,539,773,725,702,727,918,686,203,</standard>
<standard id='146556'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146557'>68242,60232,60228,62645,68094,65756,65760,60215,68245,67878,65765,60223,60224,65761,60222,67915,65769,67916,65762,65763,702,542,515,157,918,476,772,45,556,581,</standard>
<standard id='146558'>68246,68242,68094,62645,68275,67879,15846,15847,60217,60218,60220,60219,60213,68095,60212,60221,60215,60225,62208,67878,702,515,157,918,629,120,605,257,395,302,</standard>
<standard id='146559'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='146560'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='146561'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146562'>68094,60234,60223,68243,68246,68244,68242,60217,68245,68239,68095,68097,20801,62645,68247,67878,60226,60225,15851,60222,515,37,553,702,346,476,157,45,789,338,</standard>
<standard id='146563'>60223,68243,60217,68094,68246,68241,68244,68242,68245,60218,60213,68239,68278,67878,60212,60234,60227,60215,68097,68095,37,515,553,346,157,702,727,539,725,719,</standard>
<standard id='146564'>68278,68094,60212,68239,67878,60215,60214,68277,20803,60234,68235,60224,60213,60226,68238,68244,68246,68141,68242,68241,702,346,157,725,719,153,539,206,773,469,</standard>
<standard id='146565'>68235,68238,68278,60214,62644,68239,20803,20802,67878,60212,60215,20800,60316,68094,68141,15857,15854,68282,15848,60226,702,346,792,469,355,746,556,157,45,490,</standard>
<standard id='146566'>68242,60232,60228,62645,68094,65756,65760,60215,68245,67878,65765,60223,60224,65761,60222,67915,65769,67916,65762,65763,702,542,515,157,918,476,772,45,556,581,</standard>
<standard id='146567'>68242,68094,62645,60228,60232,68246,60215,68245,60224,60222,60223,67878,68275,15847,67879,15846,60219,60217,68095,60212,702,515,157,918,556,257,542,395,120,629,</standard>
<standard id='146568'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='146569'>20806,68237,68142,20811,20799,20835,20798,20800,20803,20810,60315,20808,20807,20767,20802,68236,60338,60335,60333,68277,203,719,702,692,153,676,539,490,542,664,</standard>
<standard id='146570'>65743,60214,67858,56529,56530,17811,60316,62592,60215,17813,17812,60212,62224,68294,68295,68302,68305,68293,68287,67756,346,650,94,113,306,707,17,305,36,355,</standard>
<standard id='146571'>68302,68305,68295,17812,62144,68300,68297,20829,17810,62451,62516,62601,62605,62602,62450,15962,60254,60225,60222,60226,388,36,346,45,121,162,847,175,570,84,</standard>
<standard id='146572'>68287,60212,60215,17812,68295,17813,68305,60214,56530,56529,67740,67738,15964,62480,62479,60254,17837,60213,67749,63120,305,707,346,36,558,121,388,691,153,773,</standard>
<standard id='146573'>60212,68287,17812,60223,62144,17810,68297,20829,68300,60215,68305,68295,17813,63120,60217,60222,62451,15962,65690,60225,388,36,346,121,37,175,847,603,84,570,</standard>
<standard id='146574'>67754,68110,60228,15960,60253,56533,56534,17828,15432,67742,62584,62602,65690,65723,67756,68111,67857,68028,68042,60223,691,84,34,698,700,367,391,1009,997,163,</standard>
<standard id='146575'>67754,56533,56534,15432,17828,68295,68110,67756,65690,62602,60232,68297,68042,68028,67747,56531,60253,60261,62143,67742,84,698,175,34,691,36,45,776,133,542,</standard>
<standard id='146576'>56530,56529,17809,68142,15429,15952,15951,68290,15964,60315,67736,56531,68292,60214,60259,20863,67764,17813,62480,62584,719,650,994,203,154,1011,94,602,692,676,</standard>
<standard id='146577'>56530,56529,17809,68142,15429,15952,15951,68290,15964,60315,67736,56531,68292,60214,60259,20863,67764,17813,62480,62584,719,650,994,203,154,1011,94,602,692,676,</standard>
<standard id='146578'>62144,68300,17810,20829,68297,60226,60225,62516,68104,68111,68110,60234,15962,60222,17812,67851,62273,62276,67734,62606,26,175,84,388,36,37,603,847,570,45,</standard>
<standard id='146579'>68302,68305,68295,17812,62144,68300,68297,17810,20829,65743,67858,60226,60214,17811,56529,56530,60234,62273,62592,62276,388,36,346,45,121,162,847,37,175,84,</standard>
<standard id='146580'>20829,17812,60212,60223,68287,68297,68300,62144,17810,65690,15962,60222,63120,60225,17813,62450,62273,62451,60254,62516,36,388,84,847,121,603,175,37,346,570,</standard>
</correlations>
</standards>