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PERSONAL FINANCE National Business Education Standards CAREER DEVELOPMENT • Self Awareness – Assess personal skills, abilities, and aptitudes and personal strengths and weakness • Career Research – Utilize career resources to develop a career information database that includes international career opportunities • Workplace Expectations – Relate the importance of workplace expectations to career development CAREER DEVELOPMENT • Career Strategy – Apply knowledge gained from individual assessment to a comprehensive set of goals and an individual career plan • School to Career Transition – Develop strategies to make an effective transition from school to career • Lifelong Learning – Relate the importance of lifelong learning to career success INCOME • Identify sources of income • Analyze how career choice, education, skills, and economic conditions affect income • Explain how taxes, government transfer payments, and employee benefits relate to disposable income MONEY MANAGEMENT • Explain how limited personal financial resources affect the choices people make • Identify the opportunity cost of financial decisions • Discuss the importance of taking responsibility for personal financial decisions • Apply a decision-making process to personal finance decisions MONEY MANAGEMENT • Explain how inflation affects spending and investing decisions • Describe how insurance and other riskmanagement strategies protect against financial loss • Design a plan for earning, spending, saving, and investing • Explain how to use money-management tools available from financial institutions SPENDING & CREDIT • Compare the benefits and costs of spending decisions • Evaluate information about products and services • Compare the advantages and disadvantages of different payment methods • Analyze the benefits and costs of consumer credit SPENDING & CREDIT • Compare sources of consumer credit • Explain factors that affect creditworthiness and the purpose of credit records • Identify ways to avoid or correct credit problems • Describe the rights and responsibilities of buyers and sellers under consumer protection laws SAVING & INVESTING • Explain the relationship between saving and investing • Describe reasons for saving and reasons for investing • Compare the risk, return, and liquidity of investment alternatives • Describe how to buy and sell investments SAVING & INVESTING • Explain how different factors affect the rate of return of investments • Evaluate sources of investment information • Explain how agencies that regulate financial markets protect investors