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Morgan County School District Re-3 Month August Content and Essential Questions *** This is a Semester Class *** Life Skills 2 (Personal Finance 1) Skills Assessment *** This is a Semester Class *** *** This is a Semester Class *** *** This is a Semester Class *** Unit 1: Career Decisions In-Chapter Activities Worksheets and Tests Observations Discussions Textbook Computer with application software Internet and Web connectivity e-Discover Why are terms such as "information age" and "electronic era" used to describe today's occupations and career environment? Chapter 1: Choosing Your Career What are some U.S. government publications you could use to research careers? Complete a job analysis, listing positive and negative features of potential career choices. Why might a person want to be an entrepreneur? Describe the techniques for coping with change. What steps can you take to deal with change and reduce uncertainty? Explain changing career patterns in a world economy and the need for job networking. Why must individual consider longterm planning, a world economy, and networking when making career plans? Resources Discuss the career and job trends, and describe sources of job information. Secretary's Commission on Achieving Necessary Skills (SCANS) Foundation Skills essential for job success: 1. Basic Skills: Reading, writing, mathematics, and listening and speaking skills. 2. Thinking Skills: Creative thinking, critical thinking, and problem-solving skills. 3. Personal Qualities: Responsibility, self-esteem, sociability, selfmanagement, integrity, and honesty. Workplace Skills: 4. Interpersonal Skills: The ability to work on teams, teach others, serve customers, exercise leadership, negotiate, and work with cultural diversity. 5. Information: The ability to acquire, evaluate, organize, maintain, interpret, communicate, and use computers to process information. 6. Systems: The ability to understand, monitor, correct, improve, and design systems. 7. Resources: The ability to manage time, money, materials, facilities, and human resources. Morgan County School District Re-3 Month Content and Essential Questions Life Skills 2 (Personal Finance 1) Skills Assessment Resources 8. Technology: The ability to select, apply, maintain, and troubleshoot technology. If your job does not help you achieve your personal goals, what will likely happen? How can taking an aptitude test help you career planning? How can job shadowing help you evaluate a career option? Why is it important to re-evaluate your choices occasionally? How do companies fill jobs without advertising? Chapter 2: Planning Your Career List reasons why people work and factors that affect career choices. Identify and describe good career planning techniques. List sources of job opportunity information. Itemize and explain good job search techniques, and formulate a personal plan of action to get the job you want. What can your contacts do for you? How can the Internet help your job search? September Chapter 3: Getting the Job What are the parts of a letter of application? Why should you avoid special formatting when preparing an e-mail letter or application? What information is contained in a resume? What are the parts of a resume? Explain the purpose of, describe the parts of, and prepare a letter of application. List the guidelines for and prepare a resume and scannable resume. Describe the letter of reference and explain why it is useful to job applicants. In-Chapter Activities Worksheets and Tests Observations Discussions Secretary's Commission on Achieving Necessary Skills (SCANS) Foundation Skills essential for job success: 1. Basic Skills: Reading, writing, mathematics, and listening and Textbook Computer with application software Internet and Web connectivity e-Discover Morgan County School District Re-3 Month Content and Essential Questions Life Skills 2 (Personal Finance 1) Skills Who are the people that could be good references to list on your resume or who would write a letter of reference for you? Prepare a job application for, prepare for a job interview, and list methods of making a good first impression. What are some important steps to remember when filling out an employment application? Explain the purpose of, describe the content of, and prepare a thank-you letter. What are some good ways to make a good first impression at a job interview? What is the purpose of the thank-you letter? What are situations in which you could use sympathetic, critical, and creative listening? speaking skills. 2. Thinking Skills: Creative thinking, critical thinking, and problem-solving skills. 3. Personal Qualities: Responsibility, self-esteem, sociability, selfmanagement, integrity, and honesty. Workplace Skills: 4. Interpersonal Skills: The ability to work on teams, teach others, serve customers, exercise leadership, negotiate, and work with cultural diversity. 5. Information: The ability to acquire, evaluate, organize, maintain, interpret, communicate, and use computers to process information. 6. Systems: The ability to understand, monitor, correct, improve, and design systems. 7. Resources: The ability to manage time, money, materials, facilities, and human resources. 8. Technology: The ability to select, apply, maintain, and troubleshoot technology. What are several things you should do to prepare for a job interview? What is effective communication and how is it used in the work environment? Assessment Chapter 4: Adapting to Your Job List and describe effective communication strategies, including listening, informal and formal speaking, communication among employees, and communication among employees and employers. Resources Morgan County School District Re-3 Month Content and Essential Questions What parts of presentations make them most effective and encourage you to listen to them? Why do you think this happened? Why are work rules, both written and unwritten, important to employers? What are some things you can do to create a favorable impression with an employer? Life Skills 2 (Personal Finance 1) Skills Discuss techniques of effective human relations. Describe employer expectations and policies such as written and unwritten work rules, attitudes, and absenteeism. Explain motivation and levels of need as described by Maslow and Herzberg, and discuss the results of job satisfaction. How are motivators and needed related to job satisfaction? Chapter 5: Keeping Your Job What is likely to happen if you do not fill out common work forms correctly? What should you do if you lose your social security card? What laws protect your rights and security as a worker? As an employee, what are your responsibilities at work? What things are most important to you about an employer or a place of employment? Understand and complete appropriate work forms, such as W-4, W-2, social security number application and benefits statement, and work permit application forms. List and define provisions of basic employment laws enacted for the protection and security of workers. Explain employee responsibilities at work, including responsibilities to employers and to other employees. Describe employer responsibilities to employees. What is included in gross pay? How is net pay calculated? Unit 2: Money Management Chapter 6: Pay, Benefits, and Assessment Resources Morgan County School District Re-3 Month Content and Essential Questions What are some benefits that an employee may be offered? How does that relate to job satisfaction? What are the forms of flexible work arrangements? Which would you prefer and why? What are unions and how do they benefit their members? What are the purposes of professional organizations? Life Skills 2 (Personal Finance 1) Skills Assessment Resources Working Conditions Compute payroll deductions and net pay from information and tables provided. Identify optional and required employee benefits and recognize their value as additions to net pay. Explain flexible job arrangements, such as flexible schedules, job rotation, job sharing, and permanent part-time employment. Describe the role of unions and professional organization in the workplace. October Chapter 7: Federal Income Tax What is the purpose of the Internal Revenue Service (IRS) within our tax system? Discuss the purpose of taxes, different types of taxes, and the history of taxes in the United States. Who has the power to levy taxes in the United States? Describe components of the tax system, including the IRS, the power to tax, and paying your fair share. Why is voluntary compliance a vital component of our democracy? Who is required to file income taxes? What is taxable income and what are allowable deductions? How do you complete a tax form? Define and discuss the significance of exemptions, dependents, and taxable and nontaxable income on tax returns. Prepare tax Forms 1040EZ and 1040A. In-Chapter Activities Worksheets and Tests Observations Discussions Secretary's Commission on Achieving Necessary Skills (SCANS) Foundation Skills essential for job success: 1. Basic Skills: Reading, writing, mathematics, and listening and speaking skills. 2. Thinking Skills: Creative thinking, critical thinking, and problem-solving skills. 3. Personal Qualities: Responsibility, Textbook Computer with application software Internet and Web connectivity e-Discover Morgan County School District Re-3 Month Content and Essential Questions Life Skills 2 (Personal Finance 1) Skills Assessment self-esteem, sociability, selfmanagement, integrity, and honesty. Workplace Skills: 4. Interpersonal Skills: The ability to work on teams, teach others, serve customers, exercise leadership, negotiate, and work with cultural diversity. 5. Information: The ability to acquire, evaluate, organize, maintain, interpret, communicate, and use computers to process information. 6. Systems: The ability to understand, monitor, correct, improve, and design systems. 7. Resources: The ability to manage time, money, materials, facilities, and human resources. 8. Technology: The ability to select, apply, maintain, and troubleshoot technology. What is budgeting? What are the steps in setting up a budget? Chapter 8: Budgets and Financial Records How are fixed expenses different from variable expenses? Describe the budgeting process and prepare personal budgets. Why would you prepare a budget, a personal net worth statement, and a personal property inventory? Explain the purpose of record keeping and be able to prepare a personal net worth statement and a personal property inventory. Explain the elements of legal contracts and negotiable instruments and describe your rights and responsibilities. What is a contract? What are the elements of a valid contract? Why should you read a contract before signing it? What are your responsibilities and rights? Discuss ways to set up a filing system Resources Morgan County School District Re-3 Month Content and Essential Questions Life Skills 2 (Personal Finance 1) Skills Assessment Resources for personal records. Why would you want to set up a filing system for personal records? How can you do this? What is the purpose of a checking account? Chapter 9: Checking accounts and Other Banking Services How to you prepare common forms related to checking accounts? Describe the purpose of a checking account. What is an overdraft? Why is it important to avoid overdrafts? Discuss how to prepare a signature authorization form, checks, check endorsements, deposit slips, a checkbook register, and a bank reconciliation. Why should you keep a checkbook register? Why should you reconcile your bank statement to your checkbook register? What are the different types of endorsements and when would you use each? What are some of the services banks offer to customers in addition to checking accounts? Distinguish between different types of checking accounts. Describe the various banking services other than checking accounts available to consumers. Identify services for which banks commonly charge a fee. What would you put into a safe deposit box? What fees are banks allowed to charge customers on their accounts? November What are bank services and how can consumers use them? Security First Bank: A Banking Customer Simulation Banking Simulation Worksheets and Tests Observations Simulation Packet and materials Morgan County School District Re-3 Month Content and Essential Questions What are the forms related to banking and holding a checking account? What are the parts of a check and a legal signature? How can you maintain accurate financial records? How do you write checks, deposit slips, maintain a check register, and reconcile a bank statement? What are the parts of a of a paycheck? What are payroll deductions? How can you plan a budget? How can you determine the amount of cash needed for living expenses? Life Skills 2 (Personal Finance 1) Skills Review basic math activities such as: decimals, percentages, figuring interest, and calculating net pay. Understand and use bank services. Complete the forms to open a checking account, complete a loan application, write checks and deposits slips, and complete a bank reconciliation. Understand the parts of a check and write a legal signature. Maintain accurate records of income, spending, and savings. Use a check register and prove its accuracy. Reconcile a bank statement. Understand common bank terms and charges. Understand and use a paycheck. Understand payroll deductions. Plan the use of income. Figure percent of income and compare an average budget with monthly expenditures. Plan purchases for cash and for credit. evaluate purchase in terms of needs and desires. Determine the cash required for living expenses. Assessment Discussions Resources Morgan County School District Re-3 Month Content and Essential Questions December Life Skills 2 (Personal Finance 1) Skills Unit 4: Credit Management How does the use of credit today compare to its use in this country's early years? Why is it important to make credit payments by the due date? Chapter 16: Credit in America What are the different types of credit? What are some of the uses of each? In-Chapter Activities Worksheets and Tests Observations Discussions Describe the history of credit in America. Define basic credit vocabulary. What are some of the advantages and disadvantages of credit? Assessment Discuss the advantages and disadvantages of credit. List and describe the kinds of credit available to the American consumer. What are some sources of credit? Describe and compare sources of credit. Secretary's Commission on Achieving Necessary Skills (SCANS) Foundation Skills essential for job success: 1. Basic Skills: Reading, writing, mathematics, and listening and speaking skills. 2. Thinking Skills: Creative thinking, critical thinking, and problem-solving skills. 3. Personal Qualities: Responsibility, self-esteem, sociability, selfmanagement, integrity, and honesty. Workplace Skills: 4. Interpersonal Skills: The ability to work on teams, teach others, serve customers, exercise leadership, negotiate, and work with cultural diversity. 5. Information: The ability to acquire, evaluate, organize, maintain, interpret, communicate, and use computers to process information. 7. Resources: The ability to manage time, money, materials, facilities, and human resources. How do credit bureaus gather information for your credit file? Chapter 17: Credit Records and Resources Textbook Computer with application software Internet and Web connectivity Morgan County School District Re-3 Month Life Skills 2 (Personal Finance 1) Content and Essential Questions Skills Laws What does "creditworthiness" mean? What are the five Cs of credit? How can you get started using credit? Why is it important to make payments on time? Discuss the importance of credit records and summarize how and why records are compiled. Describe the five Cs of credit. Explain how to get started using credit. What are some things you can do to maintain a good credit rating? What is the purpose of a credit report? What are some of the laws affecting credit? What should you do if you believe there is an error on your credit card statement? Describe credit rating and a point system for determining creditworthiness. Outline the content of a credit report. Discuss the protections provided by the major credit laws. What are the responsibilities you have to your creditors? What responsibilities to creditors have to you? Chapter 18: Responsibilities and Costs of Credit How can you avoid credit card fraud? Describe the responsibilities of consumer credit. How can you reduce or avoid credit costs? Discuss how to protect your credit card from fraud. Why do credit costs vary? How do Explain how you can reduce or avoid Assessment Resources Morgan County School District Re-3 Month Life Skills 2 (Personal Finance 1) Content and Essential Questions economic conditions affect the cost of credit? Skills credit costs. Explain why credit costs vary. How do you compute simple interest and APR? How do you compute finance charges on revolving credit? What are some ways to solve credit problems? What is bankruptcy? What are the general rules relating to bankruptcy? What kinds of spending are most likely to get you into credit trouble? What can you do to avoid these dangers? Do the advantages of bankruptcy outweigh the disadvantages? Why or why not? Compute and explain simple interest and APR. Compare methods of computing finance charges on revolving credit. Chapter 19: Problems with Credit List and explain different methods for solving credit problems. Outline bankruptcy laws, including exempted items, types of income excluded, and bankruptcy options. Discuss the major causes of bankruptcy. Describe the advantages and disadvantages of declaring bankruptcy. Assessment Resources