Personal Finance
WVEIS 1451
This area of study is designed to provide students with the knowledge and skills needed in a multi-disciplinary approach to
personal financial management. Students will utilize problem-solving techniques and participate in hands-on activities to
develop an understanding of course concepts. Teachers should provide each student with real world learning
opportunities and instruction related to business occupations. Students are encouraged to become active members of the
student organizations FBLA or DECA. The West Virginia Standards for 21st Century Learning include the following
components: 21st Century Content Standards and 21st Century Learning Skills and Technology Tools. All West Virginia
teachers are responsible for classroom instruction that integrates learning skills, technology tools, and content standards
and objectives.
Grade 9-12
Personal Finance (1451)
Standard: 1
Consumer Roles
BE.S.PFIN.1
Students will develop consumer skills as related to finances.
Objectives
Students will
BE.O.PFIN.1.1
examine basic economic concepts and their impact on pricing and spending.
BE.O.PFIN.1.2
examine consumer rights, responsibilities and remedies.
BE.O.PFIN.1.3
relate the impact of marketing and advertising on consumer demand and decision-making globally.
BE.O.PFIN.1.4
demonstrate comparison shopping.
BE.O.PFIN.1.5
research financial information from a variety of sources.
BE.O.PFIN.1.6
prepare a personal finance record filing system.
BE.O.PFIN.1.7
outline the steps for making a purchase decision.
BE.O.PFIN.1.8
determine the difference in consumer protection regulations.
BE.O.PFIN.1.9
recognize common types of consumer contracts.
Performance Descriptors (BE.PD.PFIN.1)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in the consumer
standard in the consumer role. The
standard in the consumer role. The
role. The student can examine basic
student can evaluate basic economic
student can explore basic economic
economic concepts and their impact on
concepts and their impact on pricing and concepts and their impact on pricing and pricing and spending; examine
spending; communicate consumer
spending; discuss consumer rights,
consumer rights, responsibilities and
rights, responsibilities and remedies;
responsibilities and remedies; state the
remedies; relate the impact of marketing
contrast the impact of marketing and
impact of marketing and advertising on
and advertising on consumer demand
advertising on consumer demand and
consumer demand and decision-making and decision-making globally;
decision-making globally; perform
globally; describe comparison shopping; demonstrates comparison shopping;
comparison shopping; critique financial
identify financial information from a
research financial information from a
information from a variety of sources;
variety of sources; give examples of a
variety of sources; prepare a personal
develop a personal finance record filing
personal finance record filing system;
finance record filing system; outline the
system; rank the steps for making a
write the steps for making a purchase
steps for making a purchase decision;
purchase decision; investigate the
decision; review the difference in
determine the difference in consumer
difference in consumer protection
consumer protection regulations; and
protection regulations; and recognize
regulations; and evaluate common types describe common types of consumer
common types of consumer contracts.
of consumer contracts. The student can contracts. Application of knowledge and Performance needs further development
independently solve problems and is
skills is thorough and effective and the
and supervision.
self-directed.
student can work independently.
Standard: 2
Banking Transactions
BE.S.PFIN.2
Students will analyze and interpret financial institutions.
Objectives
Students will
BE.O.PFIN.2.1
differentiate the types of financial institutions.
BE.O.PFIN.2.2
research financial institutions affect on personal financial planning.
BE.O.PFIN.2.3
analyze financial institutions in terms of services and related costs associated with personal banking.
BE.O.PFIN.2.4
determine necessary forms for opening and maintaining checking and savings accounts.
BE.O.PFIN.2.5
examine the types of electronic monetary transactions.
BE.O.PFIN.2.6
compare and contrast online and traditional banking.
BE.O.PFIN.2.7
reconcile a bank statement.
BE.O.PFIN.2.8
compare the U.S. monetary system with the international monetary system.
BE.O.PFIN.2.9
research the Federal Reserve System.
Performance Descriptors (BE.PD.PFIN.2)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in analyzing
standard in analyzing banking
transactions. The student can interpret
the types of financial institutions;
research financial institution’s affect on
personal financial planning; evaluate
financial institutions in terms of services
and related costs associated with
personal banking; obtain necessary
forms for opening and maintaining
checking and savings accounts;
examine the types of electronic
monetary transactions; compare and
contrast online and traditional banking;
reconcile a bank statement; compare
the U.S. monetary system with the
international monetary system; and
research the Federal Reserve System.
The student can independently solve
problems and is self-directed.
standard in analyzing banking
transactions. The student can
differentiate the types of financial
institutions; research financial
institutions affect on personal financial
planning; analyze financial institutions in
terms of services and related costs
associated with personal banking;
determine necessary forms for opening
and maintaining checking and savings
accounts; examine the types of
electronic monetary transactions;
compare and contrast online and
traditional banking; reconciles a bank
statement; compare the U.S. monetary
system with the international monetary
system; and research the Federal
Reserve System. Application of
knowledge and skills is thorough and
effective and the student can work
independently.
Standard: 3
Income Earning and Reporting
BE.S.PFIN.3
Students will explore income earnings and reporting.
Objectives
Students will
BE.O.PFIN.3.1
differentiate sources of income.
BE.O.PFIN.3.2
compute net pay.
BE.O.PFIN.3.3
compute gross pay.
BE.O.PFIN.3.4
investigate employee benefits and incentives.
BE.O.PFIN.3.5
prepare a standard W-4 form.
Performance Descriptors (BE.PD.PFIN.3)
Above Mastery
Mastery
The student demonstrates exceptional
The student demonstrates competent
and exemplary performance with
and proficient performance and shows a
banking transactions. The student can
give examples the types of financial
institutions; identify financial institutions
affect on personal financial planning;
interpret financial institutions in terms of
services and related costs associated
with personal banking; find necessary
forms for opening and maintaining
checking and savings accounts; explore
the types of electronic monetary
transactions; discuss online and
traditional banking; reconcile a bank
statement; discuss the U.S. monetary
system with the international monetary
system; and research the Federal
Reserve System. Performance needs
further development and supervision.
Partial Mastery
The student demonstrates basic but
inconsistent performance of fundamental
distinctive and sophisticated application
of knowledge and skills that exceed the
standard in earning and reporting
income. The student can compare
sources of income; compute net pay;
compute gross pay; interpret employee
benefits and incentives; and prepare a
standard W-4 form. The student can
independently solve problems and is
self-directed.
Standard: 4
BE.S.PFIN.4
thorough and effective application of
knowledge and skills that meet the
standard in earning and reporting
income. The student can differentiate
sources of income; compute net pay;
compute gross pay; investigate
employee benefits and incentives; and
prepare a standard W-4 form.
Application of knowledge and skills is
thorough and effective and the student
can work independently.
Personal Financial Success
Students will plan for personal financial success.
Objectives
Students will
BE.O.PFIN.4.1
prepare personal financial short-term and long-term goals.
BE.O.PFIN.4.2
identify anticipated income and expenses.
BE.O.PFIN.4.3
identify unanticipated income and expense.
BE.O.PFIN.4.4
develop a budget.
BE.O.PFIN.4.5
debate how economics influences financial plans.
Performance Descriptors (BE.PD.PFIN.4)
Above Mastery
Mastery
The student demonstrates exceptional
The student demonstrates competent
and exemplary performance with
and proficient performance and shows a
distinctive and sophisticated application thorough and effective application of
of knowledge and skills that exceed the
knowledge and skills that meet the
standard in personal financial success.
standard in personal financial success.
The student can generate personal
The student can prepare personal
financial short-term and long-term goals; financial short-term and long-term goals;
develop anticipated income and
identify anticipated income and
expenses; develop unanticipated
expenses; identify unanticipated income
income and expense; create a budget;
and expense; develop a budget; and
and compare and contrast how
debate how economics influences
economics influences financial plans.
financial plans. Application of
knowledge and skills characterized by
errors and/or omissions in exploring
earning and reporting income. The
student can review sources of income;
calculate net pay; calculate gross pay;
discusses employee benefits and
incentives; and prepare a standard W-4
form. Performance needs further
development and supervision.
Partial Mastery
The student demonstrates basic but
inconsistent performance of fundamental
knowledge and skills characterized by
errors and/or omissions in personal
financial success. The student can
discuss personal financial short-term
and long-term goals; describe
anticipated income and expenses;
identify unanticipated income and
expense; develop a budget; and review
how economics influences financial
plans. Performance needs further
The student can independently solve
problems and is self-directed.
knowledge and skills is thorough and
effective and the student can work
independently.
development and supervision.
Standard: 5
Tax Functions
BE.S.PFIN.5
Students will explore federal, state and local taxes.
Objectives
Students will
BE.O.PFIN.5.1
research the types, and purposes, of federal, state and local taxes.
BE.O.PFIN.5.2
determine how federal, state, and local taxes are levied.
BE.O.PFIN.5.3
research tax deductions and sales credits for a tax form.
BE.O.PFIN.5.4
calculate state taxes on products and services.
BE.O.PFIN.5.5
complete and complete a state income tax form manually and electronically.
BE.O.PFIN.5.6
compare short and itemized federal income tax forms, manually and electronically.
Performance Descriptors (BE.PD.PFIN.5)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in exploring
standard in tax functions. The student
standard in tax functions. The student
federal, state and local tax functions.
can evaluate the types, and purposes, of can research the types, and purposes,
The student can understand the types,
federal, state and local taxes; assess
of federal, state and local taxes;
and purposes, of federal, state and local
how federal, state, and local taxes are
determine how federal, state, and local
taxes; interpret how federal, state, and
levied; critique tax deductions and sales taxes are levied; research tax
local taxes are levied; find tax
credits for a tax form; compute state
deductions and sales credits for a tax
deductions and sales credits for a tax
taxes on products and services; prepare form; calculate state taxes on products
form; calculate state taxes on products
a state income tax form manually and
and services; complete a state income
and services; complete a state income
electronically; and prepare short and
tax form manually and electronically;
tax form manually and electronically; and
itemized federal income tax forms,
and compare and complete short and
complete short and itemized federal
manually and electronically. The
itemized federal income tax forms,
income tax forms, manually and
student can independently solve
manually and electronically. Application electronically. Performance needs
problems and is self-directed.
of knowledge and skills is thorough and
further development and supervision.
effective and the student can work
independently.
Standard: 6
Investment and Savings Plans
BE.S.PFIN.6
Students will devise investment and savings plans.
Objectives
Students will
BE.O.PFIN.6.1
investigate costs and income sources for investments.
BE.O.PFIN.6.2
compare and contrast options for investments and savings.
BE.O.PFIN.6.3
compare simple interest versus compound interest on savings.
BE.O.PFIN.6.4
research the stock market and how it works.
BE.O.PFIN.6.5
research the Social Security System.
BE.O.PFIN.6.6
investigate the Social Security System and how it effects retirement planning.
BE.O.PFIN.6.7
compare and contrast retirement plans.
Performance Descriptors (BE.PD.PFIN.6)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in exploring
standard in devising investment and
standard in devising investment and
investments and savings plans. The
savings plans. The student can
savings plans. The student can
student can identify costs and income
compare and contrast costs and income investigate costs and income sources
sources for investments; gives example
sources for investments; compare and
for investments; compare and contrast
options for investments and savings;
contrasts options for investments and
options for investments and savings;
explain simple interest verses compound
savings; compare simple interest verses compare simple interest verses
interest on savings; understand the
compound interest on savings; analyze
compound interest on savings; research stock market and how it works; interpret
the stock market and how it works;
the stock market and how it works;
the Social Security System; report on the
evaluate the Social Security System;
research the Social Security System;
Social Security System and how it
critique the Social Security System and
investigate the Social Security System
effects retirement planning; and discuss
how it effects retirement planning; and
and how it effects retirement planning;
retirement plans. Performance needs
negotiate retirement plans. The student and compare and contrast retirement
further development and supervision.
can independently solve problems and
plans. Application of knowledge and
is self-directed.
skills is thorough and effective and the
student can work independently.
Standard: 7
Compare Transportation and Housing Cost
BE.S.PFIN.7
Students will compare transportation and housing costs.
Objectives
Students will
BE.O.PFIN.7.1
research the process of purchasing a house.
BE.O.PFIN.7.2
research the process of renting housing.
BE.O.PFIN.7.3
compare and contrast the advantages and disadvantages of purchasing versus renting house.
BE.O.PFIN.7.4
calculate housing expenses involved in independent living such as utilities, maintenance, services, etc.
BE.O.PFIN.7.5
determine the process for purchasing a vehicle.
BE.O.PFIN.7.6
investigate the process of leasing a vehicle.
BE.O.PFIN.7.7
compare leasing versus purchasing a vehicle.
Performance Descriptors (BE.PD.PFIN.7)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in comparing
standard in caring transportation and
standard in comparing transportation
transportation and housing costs. The
housing costs. The student and compile and housing costs. The student can
student can understand the process of
the processes of purchasing a house;
research the process of purchasing a
purchasing a house; understand the
compile the processes of renting
house; research the process of renting
process of renting housing; identify the
housing; formulate the advantages and
housing; compare and contrast the
advantages and disadvantages of
disadvantages of purchasing versus
advantages and disadvantages of
purchasing versus renting house; list
renting house; organize housing
purchasing versus renting house;
and labels housing expenses involved in
expenses involved in independent living calculate housing expenses involved in
independent living such as utilities,
such as utilities, maintenance, services, independent living such as utilities,
maintenance, services, etc.; explain the
etc.; interpret the process for purchasing maintenance, services, etc.; determine
process for purchasing a vehicle; review
a vehicle; interpret the process of
the process for purchasing a vehicle;
the process of leasing a vehicle; and
leasing a vehicle; and compare leasing
investigate the process of leasing a
interpret leasing versus purchasing a
versus purchasing a vehicle. The
vehicle; and compare leasing versus
vehicle. Performance needs further
student can independently solve
purchasing a vehicle. Application of
development and supervision.
problems and is self-directed.
knowledge and skills is thorough and
effective and the student can work
independently.
Standard: 8
Credit and Loan Procedures
BE.S.PFIN.8
Students will analyze credit and loan procedures
Objectives
Students will
BE.O.PFIN.8.1
examine methods for financing purchases.
BE.O.PFIN.8.2
compute payment schedules for a loan utilizing manual, electronic and on-line tools.
BE.O.PFIN.8.3
analyze features of credit cards and their impact on financial planning.
BE.O.PFIN.8.4
determine qualifications for obtaining credit.
BE.O.PFIN.8.5
complete a sample credit application.
BE.O.PFIN.8.6
analyze credit and loan laws.
BE.O.PFIN.8.7
identify debt management strategies.
BE.O.PFIN.8.8
research sources for assistance with debt management .
BE.O.PFIN.8.9
research the credit scoring process.
BE.O.PFIN.8.10
establish reasons for maintaining sound credit ratings.
BE.O.PFIN.8.11
analyze the costs and conditions of secured and unsecured loans.
BE.O.PFIN.8.12
research bankruptcy laws and implications.
Performance Descriptors (BE.PD.PFIN.8)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in credit and
standard in credit and loan procedures.
standard in credit and loan procedures.
loan procedures.
The student can assess methods for
The student can examine methods for
The student can understand methods for
financing purchases; compute payment
financing purchases; compute payment
financing purchases; calculate payment
schedules for a loan utilizing manual,
schedules for a loan utilizing manual,
schedules for a loan utilizing manual,
electronic and on-line tools; compare
electronic and on-line tools; analyze
electronic and on-line tools; review
and contrast features of credit cards and features of credit cards and their impact features of credit cards and their impact
their impact on financial planning; ranks on financial planning; determine
on financial planning; discuss
qualifications for obtaining credit;
qualifications for obtaining credit;
qualifications for obtaining credit;
complete a sample credit application;
complete a sample credit application;
complete a sample credit application;
evaluate credit and loan laws; prepare
analyze credit and loan laws; identify
identify credit and loan laws; identify
debt management strategies; research
debt management strategies; research
debt management strategies; describe
sources for assistance with debt
sources for assistance with debt
sources for assistance with debt
management ; investigate the credit
management ; research the credit
management ; make sense of the credit
scoring process; rank reasons for
scoring process; establish reasons for
scoring process; give reasons for
maintaining sound credit ratings;
maintaining sound credit ratings;
evaluate the costs and conditions of
analyze the costs and conditions of
secured and unsecured loans; and
secured and unsecured loans; and
research bankruptcy laws and
research bankruptcy laws and
implications. The student can
implications. Application of knowledge
independently solve problems and is
and skills is thorough and effective and
self-directed.
the student can work independently.
Standard: 9
Insurance as Risk Management
BE.S.PFIN.9
Students will evaluate insurance as risk management.
Objectives
Students will
BE.O.PFIN.9.1
analyze insurance as a risk management strategy.
BE.O.PFIN.9.2.
determine the role of insurance for financial planning.
BE.O.PFIN.9.3
compare the types of life insurance coverage.
BE.O.PFIN.9.4
compare the types of health insurance coverage.
BE.O.PFIN.9.5
compare the types of property coverage.
BE.O.PFIN.9.6
compare the types of property coverage.
BE.O.PFIN.9.7
compare the types of automobile insurance coverage.
Performance Descriptors (BE.PD.PFIN.9)
Above Mastery
Mastery
The student demonstrates exceptional
The student demonstrates competent
and exemplary performance with
and proficient performance and shows a
distinctive and sophisticated application thorough and effective application of
of knowledge and skills that exceed the
knowledge and skills that meet the
standard in evaluating insurance as risk standard in analyzing insurance as risk
management. The student can evaluate management. The student can analyze
insurance as a risk management
insurance as a risk management
strategy; critique the role of insurance
strategy; determine the role of insurance
for financial planning; compare the types for financial planning; compare the types
of life insurance coverage; compare the of life insurance coverage; compare the
types of health insurance coverage;
types of health insurance coverage;
compare the types of property coverage; compare the types of property coverage;
compare the types of property coverage; compare the types of property coverage;
and compare the types of automobile
and compare the types of automobile
maintaining sound credit ratings;
understand the costs and conditions of
secured and unsecured loans; and
review bankruptcy laws and implications.
Performance needs further development
and supervision.
Partial Mastery
The student demonstrates basic but
inconsistent performance of fundamental
knowledge and skills characterized by
errors and/or omissions in reviewing
insurance as risk management. The
student can understand insurance as a
risk management strategy; discuss the
role of insurance for financial planning;
list the types of life insurance coverage;
identify the types of health insurance
coverage; list the types of property
coverage; identify the types of property
coverage; and explain the types of
automobile insurance coverage.
insurance coverage. The student can
independently solve problems and is
self-directed.
insurance coverage. Application of
Performance needs further development
knowledge and skills is thorough and
and supervision.
effective and the student can work
independently.
Standard 10
Participating in the Student Organization
BE.S.PFIN.10
Students will participate in a local student organization.
Objectives
Students will
BE.O. PFIN.10.1 assess the purposes and goals of the local student organization.
BE.O. PFIN.10.2 discover the benefits and responsibilities of participation in student organization as an adult.
BE.O. PFIN.10.3 demonstrate leadership skills through participation in student organization activities such as meetings,
programs, and projects.
Performance Descriptors (BE.PD.PFIN.10)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows a inconsistent performance of fundamental
distinctive and sophisticated application thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in participating
standard in participating in the local
standard in participating in the student
in the student organization. The student
student organization. The student can
organization. The student can assess
can identify the purposes and goals of
assess the purposes and goals of a
the purposes and goals of the local
the local student organization; explain
local student organization; evaluate the
student organization; and discover the
the benefits and responsibilities of
benefits and responsibilities of
benefits and responsibilities of
participation in a local student
participation in a local student
participation in a local student
organization as an adult; and discuss
organization as an adult; and
organization as an adult; and
leadership skills through participation in
incorporate leadership skills through
demonstrate leadership skills through
local student organization activities such
participation in local student
participation in local student
as meetings, programs, and projects.
organization activities such as meetings, organization activities such as meetings, Performance needs further development
programs, and projects. The student can programs, and projects. Application of
and supervision.
independently solve problems and is
knowledge and skills is thorough and
self-directed.
effective, and the student can work
independently.
Standard: 11
Literacy and Numeracy
BE.S.PFIN.11
Students will demonstrate the literacy and numeracy skills required to solve complex, real-world problems
associated with their career/technical content area and improve their thinking and reasoning skills.
Objectives
Students will
BE.O.PFIN.11.1
utilize a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete
career/technical assignments and projects.
BE.O.PFIN.11.2
demonstrate writing skills required to complete career/technical assignments and projects.
BE.O.PFIN.11.3
demonstrate accuracy in calculating and measuring graphical work required to complete career/technical
assignments and projects.
BE.O.PFIN.11.4
analyze tables, charts, graphs and multiple data sources to complete career/technical assignments and
projects.
Performance Descriptors (BE.PD.PFIN.11)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows
inconsistent performance of fundamental
distinctive and sophisticated application a thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in literacy and
standard in literacy and numeracy. The
standard in literacy and numeracy. The numeracy. The student selects a variety
student chooses a variety of technical
student utilizes a variety of technical
of technical sources (e.g., Internet,
sources (e.g., Internet, manuals,
sources (e.g., Internet, manuals,
manuals, journals, directions, reports,
journals, directions, reports, etc.) to
journals, directions, reports, etc.) to
etc.) to complete career/technical
complete career/technical assignments
complete career/technical assignments assignments and projects; reproduces
and projects; performs writing skills
and projects; demonstrates writing skills writing skills required to complete
required to complete career/technical
required to complete career/technical
career/technical assignments and
assignments and projects;
assignments and projects;
projects; illustrates accuracy in
communicates accuracy in calculating
demonstrates accuracy in calculating
calculating and measuring graphical work
and measuring graphical work required
and measuring graphical work required required to complete career/technical
to complete career/technical
to complete career/technical
assignments and projects; and explains
assignments and projects; and
assignments and projects; and
tables, charts, graphs and multiple data
evaluates tables, charts, graphs and
analyzes tables, charts, graphs and
sources to complete career/technical
multiple data sources to complete
multiple data sources to complete
assignments and projects. Performance
career/technical assignments and
career/technical assignments and
needs further development and
projects. The student can independently projects. Application of knowledge and
supervision.
solve problems and is self-directed.
skills is thorough and effective and the
student can work independently.
21st Century Learning Skills
The student will
 access and manipulate information for use in oral, written, or multimedia format using appropriate
technology skills.
 apply sound reasoning processes to solve complex real-world problems and develop new ideas.
 exhibit leadership and ethical behavior in planning and executing tasks, as an individual or a
group member.
Objectives
Students will
BE.O.PFIN.12.1
search online using a range of technology tools and media to access relevant information needed for
problem solving.
BE.O.PFIN.12.2
create information for oral, written, and multimedia communications, adhering to copyright laws.
BE.O.PFIN.12.3
engage in problem solving and critical thinking processes to create and evaluate complex strategies in
order to independently solve problems.
BE.O.PFIN.12.4
adapt to new situations by considering multiple perspectives and a commitment to continued learning.
BE.O.PFIN.12.5
exhibit ethical behavior and positive leadership while working collaboratively in the school and/or
community.
BE.O.PFIN.12.6
model legal and ethical behaviors in the use of technology.
Performance Descriptors (BE.PD.PFIN.12)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows
inconsistent performance of fundamental
distinctive and sophisticated application a thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in 21st century
st
st
standard in 21 century learning skills.
standard in 21 century learning skills.
learning skills. The student explains
The student assesses online technology The student searches online using a
online technology tools and media to
tools and media to access relevant
range of technology tools and media to access relevant information needed for
information needed for problem solving; access relevant information needed for problem solving; identifies information for
critiques information for oral, written,
problem solving; creates information for oral, written, and multimedia
and multimedia communications,
oral, written, and multimedia
communications, adhering to copyright
adhering to copyright laws; integrates
communications, adhering to copyright
laws; discusses problem solving and
problem solving and critical thinking
laws; engages in problem solving and
critical thinking processes to create and
processes to create and evaluate
critical thinking processes to create and evaluate complex strategies in order to
Standard: 12
BE.S.PFIN.12
complex strategies in order to
independently solve problems; interprets
new situations by considering multiple
perspectives and a commitment to
continued learning; incorporates ethical
behavior and positive leadership while
working collaboratively in the school
and/or community; and reinforces legal
and ethical behaviors in the use of
technology. The student can
independently solve problems and is
self-directed.
evaluate complex strategies in order to independently solve problems; discusses
independently solve problems; adapts
new situations by considering multiple
to new situations by considering
perspectives and a commitment to
multiple perspectives and a
continued learning; reviews ethical
commitment to continued learning;
behavior and positive leadership while
exhibits ethical behavior and positive
working collaboratively in the school
leadership while working collaboratively and/or community; and describes legal
in the school and/or community; and
and ethical behaviors in the use of
models legal and ethical behaviors in
technology. Performance needs further
the use of technology. Application of
development and supervision.
knowledge and skills is thorough and
effective and the student can work
independently.
Standard: 13
Entrepreneurship Skills
BE.S.PFIN.13
Students will access the opportunities, concepts, processes, and personal traits/behaviors associated with
successful entrepreneurial performance.
Objectives
Students will
BE.O.PFIN.13.1
assess global trends in entrepreneurship that are related to their career/technical program.
BE.O.PFIN.13.2
determine entrepreneurial opportunities in venture creation related to their career/technical program.
BE.O.PFIN.13.3
examine desirable entrepreneurial personality traits.
Performance Descriptors (BE.PD.PFIN.13)
Above Mastery
Mastery
Partial Mastery
The student demonstrates exceptional
The student demonstrates competent
The student demonstrates basic but
and exemplary performance with
and proficient performance and shows
inconsistent performance of fundamental
distinctive and sophisticated application a thorough and effective application of
knowledge and skills characterized by
of knowledge and skills that exceed the
knowledge and skills that meet the
errors and/or omissions in
standard in entrepreneurship skills. The standard in entrepreneurship skills. The entrepreneurship skills. The student lists
student critiques global trends in
student assesses global trends in
global trends in entrepreneurship that are
entrepreneurship that are related to their entrepreneurship that are related to
related to their career/technical program;
career/technical program; evaluates
their career/technical program;
describes entrepreneurial opportunities in
entrepreneurial opportunities in venture
determines entrepreneurial
venture creation related to their
creation related to their career/technical opportunities in venture creation related career/technical program; and identifies
program; and assesses desirable
to their career/technical program; and
desirable entrepreneurial personality
entrepreneurial personality traits. The
student can independently solve
problems and is self-directed.
examines desirable entrepreneurial
personality traits. Application of
knowledge and skills is thorough and
effective and the student can work
independently.
traits. Performance needs further
development and supervision.