Download Health Care Core Standards

Correlation of
Managing Your Personal Finances, 6/E,
by Joan S. Ryan, © 2010,
ISBN 10: 0538449373;
ISBN 13: 9780538449373
To
Alabama Course of Study
Career and Technical Education
Personal Finance, Grades 9-12
CORRELATION TO THE ALABAMA COURSE OF STUDY, CAREER AND TECHNICAL EDUCATION – PERSONAL FINANCE, GRADES 9-12
TITLE: MANAGING YOUR PERSONAL FINANCES, 6/E, BY JOAN S. RYAN, © 2010,
ISBN 10: 0538449373; ISBN 13: 9780538449373
PUBLISHER: CENGAGE LEARNING, INC.
STANDARDS
CORRELATION
Personal Finance may be taught as a one-credit or half-credit course. For a half-credit
course, the following content standards must be included: 1, 5, 6, 7, 8, 9, 10, 11, 13,
16, 17, and 18. The course introduces students to the management of personal and
family resources to achieve personal goals and financial literacy. Course content
provides opportunities for students to explore consumer behavior, laws and legislation,
consumer protection, consumer rights and responsibilities, consumer decision making,
advertising and promotional techniques, individual and family money management,
banking services, use of credit, income tax, technology, and careers in providing
financial services to individuals and families. Family, Career and Community Leaders
of America (FCCLA), an integral part of the curriculum, provides opportunities to
apply instructional competencies and workplace readiness skills, enhances leadership
development skills, and provides opportunities for community service.
Consumer Decisions and Behavior
Students will:
1. Compare factors that impact consumer purchasing decisions throughout the life
span.
Examples: personal choice and values, attitudes, wants and needs, social
influences
2. Describe state and federal consumer protection laws for individuals and families,
including identity protection and credit laws.
3. Determine procedures for resolving consumer problems and complaints.
4. Explain the importance of taking responsibility for personal financial decisions.
Money Management
5. Determine factors that affect money management, including career choice,
education, skills, and economic conditions.
 Identifying opportunity costs of financial decisions
219, 220 , 450-452, 455-456
386-391, 666-671, 674-678
659, 688-609, 693-699
398-402, 665-659
121-123, 219, 450, 451, 455, 456, 641- 648
449, 457, 458
6. Explain how taxes, government transfer payments, and employee benefits relate to
disposable income.
142-144, 162- 169
 Comparing net and gross income
7. Determine practices that allow individuals and families to maintain financial
security.
Examples: determining needs and wants, creating a budget, setting goals, keeping
records, developing a personal financial plan, saving, investing
115-120, 141-142
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162- 168, 171-178, 536, 537
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CORRELATION TO THE ALABAMA COURSE OF STUDY, CAREER AND TECHNICAL EDUCATION – PERSONAL FINANCE, GRADES 9-12
TITLE: MANAGING YOUR PERSONAL FINANCES, 6/E, BY JOAN S. RYAN, © 2010,
ISBN 10: 0538449373; ISBN 13: 9780538449373
PUBLISHER: CENGAGE LEARNING, INC.
STANDARDS
CORRELATION
8. Compare money-management tools and services available from financial
institutions.
Examples: checking and savings account statements, online banking procedures,
direct deposit, money transfer services, loans, online payment services
9. Demonstrate procedures for completing and filing income tax forms, including
utilizing software in income tax preparation.
 Explaining terms used in personal tax forms
10. Explain factors that affect creditworthiness.





186-196, 199-203, 228- 232
89, 141-155
89-92, 141-144
Assessing credit options available to individuals and families
358, 359, 378, 379
366 , 367, 368, 369
Identifying ways to avoid or correct credit problems
376-380, 383, 418- 423
Analyzing dangers incurred by young adults with credit cards
370, 381, 423, 424
Determining sources, types, and risks of loans for individuals or families
370, 381, 423, 424
Describing the steps in obtaining a credit report
11. Compare benefits of saving and investing for individuals or families, including
factors that affect the rate of return on investments, sources of investment
information, characteristics of savings and investment options, and stages of
investing.
 Calculating annual interest and annual yield
12. Distinguish between retirement and estate planning options available to
individuals and families.
13. Compare types, lengths, and costs of care, life, health, disability, homeowner, and
renter insurance, including disability, waiting period, and disability benefits.
 Exploring the impact of uninsured and underinsured motorists
 Explaining the difference between independent insurance agencies and
franchised agencies
Consumer Spending
14. Critique the impact of advertising and sales propaganda on individual and family
spending decisions.
15. Analyze shopping skills in relation to individual and family resource management
across the life span.
 Comparing technologically advanced products and services
Examples: choosing a telephone service provider, buying a home computer,
choosing an Internet service provider
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376, 378
219-225, 240- 246, 249- 255, 343- 353 (Project Section)
222
322- 329, 332- 336, 343- 353
586- 591- Property Insurance, 605- 611- Health, 613- 618 – Disability/Life
594- 599
571, 573
461, 462, 651- 655
219-225, 455, 456, 655- 659
Text does not cover this in specific content in regards to technological products.
However, the decision making process is covered.
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CORRELATION TO THE ALABAMA COURSE OF STUDY, CAREER AND TECHNICAL EDUCATION – PERSONAL FINANCE, GRADES 9-12
TITLE: MANAGING YOUR PERSONAL FINANCES, 6/E, BY JOAN S. RYAN, © 2010,
ISBN 10: 0538449373; ISBN 13: 9780538449373
PUBLISHER: CENGAGE LEARNING, INC.
STANDARDS
CORRELATION
16. Determine strategies for acquiring the most economical product or service.
Examples: product research, comparison shopping, shopping plan
17. Determine factors that affect the cost of goods and services, including sales tax,
tips, coupons, discounts, and unit pricing.
18. Prioritize steps involved in making consumer purchases, including transportation
and housing.
 Calculating cost and finance charges
 Defining terminology associated with consumer purchases
 Predicting required maintenance of transportation and housing
Technology and Careers
19. Determine the impact of technology on personal financial management.
20. Explain career options and entrepreneurial opportunities related to the
management of personal financial resources.
582743640
457- 462
460, 643- 648
162-164, 447- 449, 472- 485, 492- 497, 500- 504, 511- 518
406- 410, 500- 505, 514- 518, 521- 526
492- 497, 501- 504, 512-525
497, 524- 526
139, 146, 177, 178, 189- 190, 201, 225, 230, 251, 456
179, 197, 226, 330
Throughout the text career options are visited in special sections
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