why is financial planning important

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					                                                                                                                                                                                                     St. Michael-Albertville High School

                                                                                                     Class of 200x(Master)
Teacher: Tony Mallinger

 Month       Essential Questions & Content                               Skills                                 Assessments                          Resources & Technology                 Differentiation & Content Area
                                                                                                                                                                                                          Rdg.
September   CEQ: How do you get ready for high
2008        school and life?
             UEQ:                                                                                                                                                                           A. Keyboarding
             •Why is keyboarding technique             A. Keyboarding                              A. Keyboarding                                A. Keyboarding                             Use current Business Week and Wall
            important?                                 A1. Model proper keyboarding technique       A1. Performance assessment of proper         A1-2. Glencoe Keyboarding Connections      Street Journal articles as appropriate.
             •What is correct keyboarding technique?   A2. Model correct finger reaches            keyboarding technique                         http://www.stma.k12.mn.us
             A. Keyboarding                                                                         A2. Performance assessment of correct
             A1. Proper Technique                                                                  keyboarding finger reaches
             A2. Correct finger reaches


October     UEQ:
2008        •How do you utilize Microsoft Word,
            Excel and PowerPoint applications?
            B. Computer Applications                   B. Computer Applications                    B. Computer Applications                      B. Computer Applications                   B. Computer Applications
            B1. Microsoft Word basic formatting        B1. Idenitify parts of a business letter    B1. Format Block Style business Letter        B1-3. Glencoe Keyboarding Connections      Use current Business Week and Wall
            B2. Microsoft Excel basic use              B1. Identify parts of a MLA Report          B1. Format MLA Report                         http://www.stma.k12.mn.us                  Street Journal articles as appropriate.
            B3. Microsoft PowerPoint basic use         B3. Design a spreadsheet                    B3. Format Spreadsheet
                                                       B4. Design a electronic presentation        B4. Format Powerpoint

November    UEQ:
2008        •What is financial planning?
            •Why is financial planning important?
            •How do you do financial planning?
            C. Financial Planning                      C. Financial Planning                       C. Financial Planning                         C. Financial Planning                      C. Financial Planning
            C1. Five step financial planning process    C1. Identify the components in the five-    C1. learner can identify the components      National Endowment for Financial           Use current Business Week and Wall
            C2. Needs & wants                          step financial planning process.            of the five-step financial                    Education High School Financial Planning   Street Journal articles as appropriate.
            C3. Values                                  C2. Differentiate between needs and         planning process                             Program
            C4. Goal Setting                           wants.                                       C2. learner can differentiate between
            C5. Financial Goals                         C3. Describe how values can influence      needs and wants
            C6. Personal Financial Information         decisions.                                   C3. learner relates how values can
            C7. Decision making                         C4. Examine the significance of goal       influence decisions
            C8. Financial planning process             setting within the financial planning        C4. learner identifies the significance of
            C9. Limited resources                       process.                                   goal setting within a financial
            C10. Opportunity costs                      C5. Develop financial goals.                plan
            C11. Personal financial choices             C6. Collect personal financial              C5. learner develops financial goal(s)
            C12. Personal financial decisions          information.                                 C6. learner applies a decision-making
            C13. Financial application                  C7. Examine the impact of decision         process to personal financial
                                                       making in the financial planning             choices
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Mallinger                                       Class of 200x(Master)                                                     St. Michael-Albertville High School

 Month       Essential Questions & Content                          Skills                                   Assessments                            Resources & Technology                 Differentiation & Content Area
                                                                                                                                                                                                         Rdg.
                                                    process.                                    C7. learner gathers relative personal
                                                    C8. Describe how delayed gratification     financial information for a
                                                   impacts the financial planning               financial plan
                                                    process.                                    C8. learner identifies any limited
                                                    C9. Describe how limited resources         resources that may impact financial
                                                   impact choices.                              goal(s)
                                                    C10. Identify the opportunity cost of
                                                   financial decisions.
                                                    C11. Apply a decision-making process to
                                                   personal financial choices.
                                                    C12. Discuss the importance of taking
                                                   responsibility for personal financial
                                                    decisions.
                                                    C13. Examine a personal and/or financial
            UEQ:                                   application of the financial
            •What is a career?                      planning process.
            •How do you choose a career?
            •How do you prepare for a career?
            •What is an entrepreneur?
            •Whar are employee benefits?
            D. Careers                                                                         D. Careers                                       D. Careers                                 D. Careers
            D1. SCANS criteria                                                                  D1. learner relates earning potential to        National Endowment for Financial           Use current Business Week and Wall
            D2. earning potential                  D. Careers                                  career factors                                   Education High School Financial Planning   Street Journal articles as appropriate.
            D3. education & training                D1. Observe the criteria employers look     D2. learner relates earning potential to        Program
            D4. entrepreneur characteristics       for in employees (SCANS).                   impact on earnings
            D5. employee benefits                   D2. Relate career factors to earning        D3. learner relates career path to earning
                                                   potential.                                  potential
                                                    D3. Discuss the effects of education and    D4. learner determines benefits needed by
                                                   training on a career.                       an employee
                                                    D4. Define the characteristics of an        D5. learner identifies character traits
                                                   entrepreneur.                               employers look for in
                                                    D5. Distinguish benefits employees          potential employees
                                                   should consider when searching               D6. learner identifies character traits of an
                                                    for employment.                            entrepreneur




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Mallinger                                           Class of 200x(Master)                                                  St. Michael-Albertville High School

 Month       Essential Questions & Content                               Skills                                Assessments                          Resources & Technology   Differentiation & Content Area
                                                                                                                                                                                           Rdg.
December    UEQ:
2008         •What is personal budgeting?
             •Why is budgeting important?
             •How do you read a paystub?
             •How do you prepare a budget?
             •How do you prioritize spending and
            saving?
             E. Personal Budgeting                      E. Personal Budgeting                       E. Personal Budgeting                      E. Personal Budgeting         E. Personal Budgeting
             E1. Purpose of budget.                      E1. Identify the purpose of a budget.      E1. Quiz on budget                         E. CNEFE Student Workbook     Use current Business Week and Wall
             E2. Pay stubs                               E2 Analyze pay stubs to determine          E2 Worksheet on budget                     www.nefe.org                  Street Journal articles as appropriate.
             E3. Simple budget.                         resources available for financial           E3. Prepare personal budget
             E4 Spending and saving                      objectives.                                E4. Homework on balancing budget.
             E5 Pay yourself first                       E3. Construct a simple budget.             E5. PYF skit
                                                         E4. Relate spending and saving to          E6. Powerpoint on record keeping
                                                        resources available for each.               methods
                                                         E5. Describe the P.Y.F. (pay-yourself-     E7.Puzzle on key words
                                                        first) philosophy.
                                                         E6. Examine a variety of record keeping
                                                        methods to be used for the
                                                         budgeting process.
                                                         E7. Define key words related to managing
                                                        income.

            UEQ:
             •Why is saving and investing imporatant?
             •How does time and interest rates affect
            money?
             •What are some basic saving and
            investment choices?
             F. Saving and Investing                    F. Saving and Investing                                                                F. Saving and Investing       F. Saving and Investing
             F1. Saving and investing importance.        F1. Describe reasons for saving and        F. Saving and Investing                    F. NEFE Student Workbook      Use current Business Week and Wall
             F2. Time, money, and rate of interest      investing.                                  F1.Savings & Investment Quiz               www.nefe.org                  Street Journal articles as appropriate
             F3. Rule of 72.                             F2. Describe how time, money, and rate     F2. Worksheet Time, Money & Interest
             F4. Savings and investment alternatives.   of interest affect savings.                 Rates
                                                         F3. Use the Rule of 72.                    F3. Worksheet Rule of 72.
                                                         F4. Describe savings and investment        F4. Saving and investment Bingo.
                                                        alternatives
            UEQ:
            •What is credit?
            •Why is credit important?
            •What is the purpose of credit?

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Mallinger                                          Class of 200x(Master)                                                 St. Michael-Albertville High School

 Month       Essential Questions & Content                             Skills                                Assessments                          Resources & Technology   Differentiation & Content Area
                                                                                                                                                                                         Rdg.
             •What are some sources of credit?
             •How do you build a credit history?
             •What are the advantages of credit?
             •What are the consequences of debt?
             G. Credit                                G. Credit                                                                              G. Credit                     G. Credit
             G1. Purpose of credit.                    G1. Explain the purpose of credit.                                                    G. NEFE Student Workbook      Use current Business Week and Wall
             G2. Sources of credit.                    G2. Identify sources of credit.          G. Credit                                    www.nefe.org                  Street Journal articles as appropriate
             G3. Building a credit history.            G3. Describe ways to build a credit      G1. Credit quiz.
             G4. Advantages of credit.                history.                                  G2. Worksheet.
             G5. Debt consequences                     G4. List the advantages of credit.       G3. Three C's of Credit Worksheet
                                                       G5. Describe the consequences of debt.   G4. Create an advantages of credit poster.
                                                       .                                        G5. Short essay.
            UEQ:
            •What is insurance?
            •Why is insurance important?
            •What are some types of insurance?
            •What does insurance cost?                                                                                                       H. Insurance                  H. Insurance
            H. Insurance                              H. Insurance                                                                           H. NEFE Student Workbook      Use current Business Week and Wall
            H1. Purpose of insurance.                 H1. Explain the purpose of insurance.     H. Insurance                                 www.nefe.org                  Street Journal articles as appropriate
            H2. Types of insurance.                   H2. List the types of insurance.          H1. Insurance quiz.
            H3. Insurance costs.                      H3. Idenify general types of insurance.   H2. Insurance worksheet.
                                                                                                H3. Group project.




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