Virginia Economics and Personal Finance

Transcription

1 Core develops students' economic reasoning through an analysis of the U.S. economy, the global economy, and personal finance. The course covers fundamental principles of economics, including an examination of markets from both historical and current perspectives; the basics of supply and demand; the theories of early economic philosophers such as Adam Smith and David Ricardo; theories of value; the concept of money and how it evolved; the role of banks, investment houses, and the Federal Reserve; Keynesian economics; the productivity, wages, investment, and growth involved in capitalism; unemployment, inflation, and the national debt; and a survey of markets in areas such as China, Europe, and the Middle East. The course extends students' understanding of these principles in the context of personal finance, exploring issues such as career planning, budgeting, credit, taxes, investing, insurance, loans, and major purchases. In the course, students hone their analytic writing through a scaffolded series of written assignments. They also apply basic mathematics to economic concepts. Students read selections from annotated primary documents and apply those readings to the course content. Journal activities provide introspective opportunities for students to apply concepts on a personal scale as well as analyze scenarios from a third-party perspective. Discussions help students network with each other by sharing personalized strategies and goals and recognizing the diversity of life and career plans within a group. This course is built to Virginia's standards for Economics and Personal Finance. Length: Two semesters UNIT 1: THE GAME OF ECONOMICS LESSON 1: WHAT IS ECONOMICS ANYWAY? Study: What Kind of Game? See how economics can be understood as a game with rules that is played by people with different roles. Study: What's It All About? Learn the basic concepts that define economics, including goods, services, markets, production, distribution, allocation, and the circular-flow model. Discuss: Playing the Game Discuss examples that show how you are involved in the game of economics. Duration: 0 hrs 20 mins Scoring: 15 points Study: What's It All For? Explore the social goals pursued in an economy, such as freedom, efficiency, equity, security, and growth. Learn how these goals are not always mutually compatible. Study: The Facts of Life Explore the issues of scarcity and production in the economy. Practice: Economic Goals Identify a set of goals and explain how you resolve conflicts between these goals. Quiz: What Is the Economy Anyway? Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 1 of 27

2 LESSON 2: DIFFERENT WAYS TO PLAY Study: The Free-Market System Examine the role of private-property competition and the profit motive in the free-market system. Consider the ways the United States does and does not have a free-market economy. Read: Freedom and the Free Market Read excerpts from Adam Smith's The Wealth of Nations that connect the free market with personal and political liberty. Duration: 0 hrs 30 mins Study: Command and Mixed Economies Explore approaches to economic organization, comparing command and mixed economies with the free-market system and considering how the flow-model differs. Practice: What's in It for You? Consider ways in which you benefit directly and indirectly from the free-market system. Quiz: Different Ways to Play LESSON 3: DOLLARS AND SENSE Study: Costs and Benefits Learn about the concept of cost-benefit analysis and explore how it is used by both participants and policy-makers. Practice: You Do the Math Calculate the costs or benefits of making different choices in hypothetical situations. Study: Taking the Economy's Temperature Learn about the indicators that economists and policy-makers use to measure the state and health of the economy. Quiz: Dollars and Sense LESSON 4: TECHNOLOGY AND ECONOMICS Study: Better Living through Technology Understand that technology is about both better machines and better ways of completing tasks. Learn about some important technological developments. Journal: Technology and You Write about technologies that affect your personal economic choices. Duration: 0 hrs 30 mins Scoring: 20 points Study: The Internet Marketplace Learn about the growth of Internet commerce from the late-1990s to the present. Consider how this growth has impacted the Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 2 of 27

3 U.S. economy. Explore: Internet Success Story Choose an Internet-commerce phenomenon that sells a product or provides a service that is of interest to you. Give an overview of the company's rise and write a brief description of the approach that has led to this success. Scoring: 25 points Project: The Economy in Action: Starting a Start-Up Come up with a product or service to sell via the Internet. Duration: 0 hrs 30 mins Scoring: 20 points Quiz: Technology and Economics LESSON 5: THE GAME OF ECONOMICS WRAP-UP Review: The Game of Economics Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): The Game of Economics Take a teacher-scored test to assess what you have learned in this unit. Test (TS): The Game of Economics Take a computer-scored test to assess what you have learned in this unit. LESSON 6: DIAGNOSTIC Diagnostic: The Game of Economics Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 2: THE PLAYERS LESSON 1: CONSUMERS AND PRODUCERS Study: Who Plays the Game? Learn about the economic roles of consumers and producers; consider how workers and businesses can play both roles. Study: A Game of Mutual Influence Explore how consumers and producers influence each other. Practice: Playing Your Part Describe your role in the economy, indicating how your actions fit into different roles and how you influence others in the economy through those actions. Quiz: Consumers and Producers LESSON 2: CONSUMER CHOICE Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 3 of 27

4 Study: Choose Wisely Learn about the tenets of rational choice as applied by individual consumers, short- and long-term planning, and the role of a personal budget in long-term planning. Study: The Utility Room Examine the concepts behind the economic definition of consumer satisfaction, including utility, marginal analysis, and opportunity cost. Learn how a Production Possibilities Frontier (PPF) graph can be used to analyze the opportunity costs of a decision. Journal: You Make the Call Describe an economic choice you have made; analyze how it was made and how rational that choice seems now. Duration: 0 hrs 30 mins Scoring: 20 points Study: Every Consumer Is Unique Explore different factors that affect individual consumer decisions, such as cultural traditions, beliefs and values, and risk aversion. Study: Media Influence Explore the influence of the media particularly advertising on consumer desires and behavior. Practice: Your Utility Belt Answer questions about the concept of utility and how this concept fits into rational choice. Quiz: Consumer Choice LESSON 3: THE BUSINESS OF BUSINESS Study: The Profit Motive Learn about the tenets of rational choice as applied by businesses, the centrality of the profit motive, and the role of profits and losses in the allocation of resources in a market economy. Study: Competition Learn about the motivations provided by competition. Explore the nature of different competitive situations, including pure competition, monopolistic competition, oligopoly, and monopoly. Study: The Business of Media Is Business Learn about the role and importance of advertising. Explore other ways that businesses use and benefit from the media. Discuss: Are You a Tool of the Media? Discuss your susceptibility to advertising and how exposure to the media affects your needs and wants. Duration: 0 hrs 20 mins Scoring: 15 points Practice: Oligopoly Find and analyze an example of an oligopolistic industry. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 4 of 27

5 Quiz: The Business of Business LESSON 4: BUSINESS MODELS AND MODEL BUSINESSES Study: So You Want To Be a Business... Learn about the characteristics, advantages, and disadvantages of different kinds of businesses, including sole proprietorships, partnerships, and corporations. Study: The Business Model Learn how a business model is an approach to doing business and how it affects a business's organization and operation. Explore unique approaches to doing business. Read: Culture Clash Read about the business models of two companies that have unique approaches to the same industry. Explore: Unique Business Models Use the Internet to research and report on a unique business model. Duration: 0 hrs 30 mins Scoring: 25 points Project: The Economy in Action: Build a Business Model Choose or create a model for your own business based on the product you chose in the first segment of the semester-long project. Duration: 0 hrs 30 mins Scoring: 20 points Quiz: Business Models and Model Businesses LESSON 5: THE PLAYERS WRAP-UP Review: The Players Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): The Players Take a teacher-scored test to assess what you have learned in this unit. Test (TS): The Players Take a computer-scored test to assess what you have learned in this unit. LESSON 6: DIAGNOSTIC Diagnostic: The Players Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 3: THE PRICE IS RIGHT LESSON 1: SUPPLY AND DEMAND: IT'S THE LAW Study: Supply and Demand Learn about the law of supply and demand, including definitions, explanations, and examples of central concepts of price Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 5 of 27

6 theory, such as incentives, competition between buyers and sellers, relative scarcity, equilibrium, and supply-and-demand schedules. Study: The Supply Line Learn about the phases of production and distribution that go into the creation of goods and services, including the allocation of productive resources and examples of opportunity costs. Study: We Have a List of Demands Learn about types of goods and services and the concepts that define them, such as fungibility, substitution, and public goods. Explore how consumer behavior defines and alters demand. Discuss: I Want My MTV Evaluate the factors that influence your purchasing decisions. Duration: 0 hrs 20 mins Scoring: 15 points Project: The Economy in Action: Costs and Prices Research prices of products and services that are of interest to you and that are currently offered on the Internet, along with the costs of providing those products and services. Scoring: 20 points Quiz: Supply and Demand: It's the Law LESSON 2: GET A JOB Study: The Labor Market Learn about the effects of the changing demand for goods and services, the impact of education and training on worker productivity, and the way the laws of supply and demand create different wage levels among jobs and professions. Study: The Times They Are A-Changin' Explore the impact of rapid changes in technology, globalization, and international competition on wages. Study: Labor Unions Learn about how labor unions influence wage levels and garner benefits for their members, the effects of unionization, the minimum wage, and unemployment insurance. Practice: You Do the Math Calculate the annual incomes for various wage rates and compare them to measurements of prosperity, such as the poverty line and the median income. Quiz: Get a Job LESSON 3: FIND A PLACE TO LIVE Study: The Housing Market Learn about the factors that influence prices in different housing markets, such as homes, apartments, and commercial real Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 6 of 27

7 estate. Study: City Mouse, Country Mouse Explore different kinds of development that affect the housing market in cities, suburbs, and rural areas. Practice: Rent or Buy? Find rent and housing prices in selected markets and list pros and cons for each housing choice. Journal: Your Dream House Respond to several questions about your current and ideal housing situations. Duration: 0 hrs 30 mins Scoring: 20 points Quiz: Find a Place to Live LESSON 4: THE UPS AND DOWNS OF THE ECONOMY Study: Specialization, Competition, and Trade Explore the ways that specialization, competition, and trade increase productivity and raise the standard of living. Study: A Roller-Coaster Ride Learn about the factors that inhibit and spur economic growth and cause expansions and recessions, including the business cycle, international events, and forces such as weather and natural disasters. Explore the causes of inflation and the basic methods of controlling inflation. Read: What's So Special about Alienation? Read Karl Marx's explanation for why workers feel estranged and suffer from alienation. Study: We're Slashing Prices... Find out how Zappos can undersell most other shoe sellers and how Amazon can undersell most other online retailers. Practice: Higher or Lower? Analyze how events affect the prices of common goods and services. Quiz: The Ups and Downs of the Economy Duration: 0 hrs 30 mins Scoring: 20 points LESSON 5: THE PRICE IS RIGHT WRAP-UP Review: The Price Is Right Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): The Price Is Right Take a teacher-scored test to assess what you have learned in this unit. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 7 of 27

8 Test (TS): The Price Is Right Take a computer-scored test to assess what you have learned in this unit. LESSON 6: DIAGNOSTIC Diagnostic: The Price Is Right Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 4: MONEY, MONEY, MONEY LESSON 1: MONEY IN THE BANK Study: Show Me the Money Learn what money is. Explore its forms and functions. Read: Money, Money Read All about It! Read about the history of North American currency, including seashells and early paper money. Study: Take It to the Bank Get an overview of the U.S. banking system and learn how fractional-reserve banking works. Study: The Money Supply Learn how the money supply is regulated, including the Federal Reserve's role in setting monetary policy, regulating the fractional-reserve banking system, setting interest rates, and creating money. Practice: Creating and Destroying Money Determine the effect of Federal Reserve decisions on the size of the money supply. Quiz: Take It to the Bank LESSON 2: THE STOCK MARKET Study: Own a Piece of the Pie Learn about the nature of publicly traded businesses and the role of stock markets in selling shares of ownership in those businesses. Study: Buy Low, Sell High Learn about factors that influence stock prices, including dividends, revenue, and volume of trading. Journal: Following a Stock Pick a stock that you think will perform well and follow its price as it goes up and down; produce a report on its behavior. Duration: 0 hrs 30 mins Scoring: 20 points Practice: Playing the Market Speculate on the effects that different events have on the price of certain stocks. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 8 of 27

9 Quiz: The Stock Market LESSON 3: MORE MARKETS Study: Gold, Silver, and Pork Bellies Learn about commodity markets and compare them to stock markets. Study: Bond, Not James Bond Learn about the bond market, including different forms of bonds, their returns and ratings, and why some are more volatile than others. Study: Buying and Selling Money Learn about the currency-exchange market, the factors that influence exchange rates, and the effects on consumers, producers, and the U.S. economy when the dollar gains or loses value relative to other currencies. Practice: You Do the Math Calculate the effect of increases and decreases in the value of the dollar on prices of specific foreign goods. Discuss: It Takes Money to Make Money Discuss the validity of making money, not by producing or selling a good or service, but by investing money specifically by buying and selling money (or bonds or stocks). Duration: 0 hrs 20 mins Scoring: 15 points Quiz: More Markets LESSON 4: FINANCING A BUSINESS Study: A Real Adventure Learn how venture capital provides a source of investment money for new companies. Explore how venture capital compares to small-business or commercial loans. Study: Going Public Learn about the process of becoming a publicly traded company, how going public affects a company, and the benefits and challenges of issuing stock. Project: The Economy in Action: Securing Financing Find out about getting a large business loan or making an IPO in order to get additional funding to expand a business's operations. Scoring: 20 points Practice: The Loan Ranger Calculate the monthly payments for types of loans that vary by term and interest rate. Quiz: Financing a Business Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 9 of 27

10 LESSON 5: MONEY, MONEY, MONEY Review: Money, Money, Money Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): Money, Money, Money Take a teacher-scored test to assess what you have learned in this unit. Test (TS): Money, Money, Money Take a computer-scored test to assess what you have learned in this unit. LESSON 6: DIAGNOSTIC Diagnostic: Money, Money, Money Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 5: THE GOVERNMENT GETS INVOLVED LESSON 1: TAXES AND TARIFFS Study: How Can I Tax You? Let Me Count the Ways Learn about different methods of taxation and their effects, including whether each is regressive or progressive. Study: Tariffs Learn about the use of tariffs and their effect on competition, domestic prices, and international trade. Discuss: Fairness in Taxation Discuss whether tariffs used to protect domestic industry by raising foreign prices are legitimate or an unnecessary and illegitimate invasion of the free market. Duration: 0 hrs 20 mins Scoring: 15 points Read: Political Economy Read a brief excerpt from Jean Jacques Rousseau's essay Discourse on Political Economy. Duration: 0 hrs 30 mins Practice: You Do the Math Calculate the differences in the tax burden on given earners as a result of taxes other than the personal income tax. Quiz: Taxes and Tariffs LESSON 2: THE GOVERNMENT IS A CONSUMER Study: Your Tax Dollars at Work Learn about the different roles the government plays in the game of economics. Find out about the impact that government decisions have on the economy and the operations of the free market. Study: Public Goods Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 10 of 27

11 Learn about public goods. Explore the necessity and the effect of government's role in providing these goods. Practice: Public or Private? Determine if certain goods are public or private. Consider whether government provision of these goods is necessary. Quiz: The Government Is a Consumer LESSON 3: THE GOVERNMENT IS A REFEREE Study: Keeping the Free Market Free Learn about laws designed to ensure that the free-market system remains free, such as antifraud and antimonopoly laws. Explore the economic effects of these laws. Study: Protecting Consumers Learn about consumer-protection laws and how they affect consumer and producer decisions. Study: Go with the Flow Learn how government regulations affect the circular-flow model. Project: The Economy in Action: Keeping the Government Happy Consider what kinds of government regulations, policies, taxes, tariffs, subsidies, and support or the lack thereof would most help your Internet business. Scoring: 20 points Practice: The Cost of Obedience Find out about the costs that businesses incur in order to comply with various government regulations. Quiz: The Government Is a Referee LESSON 4: THE GOVERNMENT IS A POLICE OFFICER Study: Limiting Economic Choices Learn about laws that limit or prohibit certain kinds of economic choices, such as price controls, minimum-wage laws, banking regulations, and quotas. Study: Limiting Other Choices Explore laws that restrict citizens' personal choices. Consider the economic effects of such laws. Journal: Law Abiding Citizen Reflect on the ways that laws directly or indirectly influence your economic behavior and affect your choices as a consumer, producer, and worker. Duration: 0 hrs 30 mins Scoring: 20 points Practice: What's the Effect? Consider the economic and noneconomic effects of various government restrictions. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 11 of 27

12 Quiz: The Government Is a Police Officer LESSON 5: THE GOVERNMENT GETS INVOLVED WRAP-UP Review: The Government Gets Involved Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): The Government Gets Involved Take a teacher-scored test to assess what you have learned in this unit. Test (TS): The Government Gets Involved Take a computer-scored test to assess what you have learned in this unit. LESSON 6: DIAGNOSTIC Diagnostic: The Government Gets Involved Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 6: THE GLOBAL GAME BOARD LESSON 1: IT'S A SMALL WORLD Study: Special of the Day: Specialization Learn how trade among countries and specialization affect standards of living and economic growth. Study: Global Patterns Learn how the possession of certain natural resources and the development of infrastructure (including transportation and communication networks) have affected international economic patterns. Read: Dependency Theory Read excerpts from Vincent Ferraro s essay on dependency theory. Duration: 0 hrs 30 mins Practice: You Do the Math Calculate how the price of certain imported goods would be affected if they were produced by workers making the American minimum wage. Quiz: It's a Small World LESSON 2: INTERNATIONAL ORGANIZATIONS Study: The International Banking System Learn about the international banking system, including similarities and differences between it and the American system and the dynamics of capital mobility and international investment. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 12 of 27

13 Study: World Economic Government? Learn about the International Monetary Fund, the World Bank, and World Trade Organization and the role these quasigovernmental institutions play in the international economy, particularly in spreading global liberalization and aiding development. Study: The Power of Money Explore the use of economic instruments such as boycotts, embargoes, and trade sanctions that governments and international organizations use to influence international policy. Journal: Human-Rights Embargo Investigate the source of products you own or regularly use; reflect on the international diversity (or lack thereof) reflected by items you purchase. Duration: 0 hrs 30 mins Scoring: 20 points Practice: What in the World? Look at the economic effects of WTO policies on selected industries and nations. Quiz: International Organizations LESSON 3: THE CHALLENGES OF GLOBALIZATION Study: Problems for the World Learn about issues created by globalization, including economic development, the environment, labor movements, and human rights. Study: Problems for the United States Learn about problems that globalization poses for Americans, including loss of jobs, the trade deficit, and foreign ownership of American companies. Discuss: Human Rights Versus Trade Discuss the United States' choice to grant most-favored-nation status to China despite that nation's continuing human-rights violations. Duration: 0 hrs 20 mins Scoring: 15 points Practice: Solving World Problems Select a challenge posed by globalization. Discuss different approaches to solving this problem and assess the strengths and weaknesses of those solutions. Project: The Economy in Action: Going Global Conduct research on expanding your Internet business overseas for production or distribution. Scoring: 20 points Quiz: The Challenges of Globalization LESSON 4: THE GLOBAL GAME BOARD WRAP-UP Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 13 of 27

14 Review: The Global Game Board Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): The Global Game Board Take a computer-scored test to assess what you have learned in this unit. Test (TS): The Global Game Board Take a teacher-scored test to assess what you have learned in this unit. LESSON 5: DIAGNOSTIC Diagnostic: The Global Game Board Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 7: PLAYING THE GAME YOURSELF: PERSONAL FINANCE LESSON 1: MAKING CHOICES Study: Make a List, Check It Twice Review the tools of cost-benefit analysis and explore how they relate to the individual choices that young people face. Study: A Place to Call Home Explore various considerations related to housing, including the difference between renting and buying, what it takes to get an apartment, how to pay for an apartment, and what it takes to buy a house. Study: Covering Yourself Learn about the purposes of insurance, the different forms of insurance available to consumers (including life, health, car, and rental), and the factors that influence insurance rates. Practice: Take It or Leave It Evaluate various job offers using the tools of economic analysis from this lesson. Quiz: Making Choices LESSON 2: PLANNING AHEAD Study: Checking and Savings Learn about different types of personal bank accounts and the advantages and disadvantages of each type. Study: Making a Budget Learn about the use of a budget in making personal economic decisions and planning for the future. Read: The Importance of Money Management Read about savings rates, credit cards, and the problems that some people have managing their money. Duration: 0 hrs 30 mins Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 14 of 27

15 Journal: Figuring Out Your Expenses Write about the various expenses that you would need to include in a personal budget both now and in the future; estimate the amount of money you would need to budget for those expenses. Duration: 0 hrs 30 mins Scoring: 20 points Practice: You Do the Math Calculate the range of likely returns for different investment options. Quiz: Planning Ahead LESSON 3: GIVE ME SOME CREDIT Study: Just a Loan? Learn about different forms of loans, such as car, student, home, small-business, and commercial loans. Explore: Paying for College Research and write about college-fund options and different types of educational loans. Scoring: 25 points Study: You Get the Credit Learn about credit cards, including the role of credit history, differences between credit cards and other loans, and how credit cards differ from other forms of credit. Practice: You Do the Math Calculate the difference in payments between a credit-card-financed car purchase and a car loan using different interest rates and payback periods. Quiz: Give Me Some Credit LESSON 4: THE RESPONSIBLE CONSUMER Study: Money Isn't Everything Explore various noneconomic considerations that consumers must take into account when attempting to reconcile their values and morals with their economic behavior. Study: Doing Something About It Learn about the various methods consumers can use to influence the moral behavior of producers, including boycotts, writing letters, and calls for government regulation. Discuss: Taking Action (Or Not) Discuss the practice of boycotting stores that sell products made by companies that engage in practices to which you object. Duration: 0 hrs 20 mins Scoring: 15 points Practice: Taking Responsibility Answer questions based on the actions that responsible consumers have to be able to take for themselves. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 15 of 27

16 Project: The Economy in Action: Social Responsibility Reflect on the various ways that your company could function in a socially responsible manner; reflect on your personal values and morals. Duration: 0 hrs 30 mins Scoring: 20 points Quiz: The Responsible Consumer LESSON 5: PLAYING THE GAME YOURSELF: PERSONAL FINANCE WRAP-UP Review: Playing the Game Yourself: Personal Finance Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Test (CS): Playing the Game Yourself: Personal Finance Take a computer-scored test to assess what you have learned in this unit. Test (TS): Playing the Game Yourself: Personal Finance Take a teacher-scored test to assess what you have learned in this unit. LESSON 6: DIAGNOSTIC Diagnostic: Playing the Game Yourself: Personal Finance Take a diagnostic unit test that will generate a study plan based on your responses. UNIT 8: U.S. AND GLOBAL ECONOMICS REVIEW AND EXAM LESSON 1: U.S. AND GLOBAL ECONOMICS Review: U.S. and Global Economics Prepare for the semester exam by reviewing key concepts covered in U.S. and Global Economics. Duration: 3 hrs Exam: U.S. and Global Economics Take a computer-scored exam to demonstrate your mastery of concepts and skills covered in U.S. and Global Economics. Scoring: 60 points Final Exam: U.S. and Global Economics Take a teacher-scored exam to demonstrate your mastery of concepts and skills covered in U.S. and Global Economics. Duration: 1 hr 20 mins Scoring: 100 points UNIT 1: GOALS AND CAREER PLANNING LESSON 1: THE NEED FOR FINANCIAL LITERACY Study: The Need for Financial Literacy Learn why financial literacy skills are vital in today's society. Scoring: 0 points Quiz: The Need for Financial Literacy Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 16 of 27

17 LESSON 2: IDENTIFYING GOALS Study: Identifying Goals Learn how to develop a personal timeline that includes short- and long-term goals as well as the actions necessary to reach those goals. Scoring: 0 points Quiz: Identifying Goals LESSON 3: INCOME AND CAREER Study: Income and Career Explore different career and educational paths and learn how they affect income. Scoring: 0 points Quiz: Income and Career LESSON 4: ESTABLISHING CAREER GOALS Study: Establishing Career Goals Explore different career paths based on personal interests and skills; develop a timeline for meeting career goals. Scoring: 0 points Quiz: Establishing Career Goals LESSON 5: ACHIEVING CAREER GOALS Study: Achieving Career Goals Develop an action plan based on a career goal timeline and identify alternative opportunities for achieving career goals. Scoring: 0 points Quiz: Achieving Career Goals Discuss: Planning for the Future Join a three- to five-question discussion to practice methods learned in this unit. Duration: 0 hrs 20 mins Scoring: 30 points LESSON 6: GOALS AND CAREER PLANNING WRAP-UP Review: Goals and Career Planning Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Scoring: 0 points Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 17 of 27

18 Test (CS): Goals and Career Planning Take a computer-scored test to assess what you have learned in this unit. Scoring: 75 points Test (TS): Goals and Career Planning Take a teacher-scored test to assess what you have learned in this unit. LESSON 7: DIAGNOSTIC Diagnostic: Goals and Career Planning Take a diagnostic unit test that will generate a study plan based on your responses. Scoring: 25 points UNIT 2: INCOME AND BUDGETING LESSON 1: TYPES OF INCOME Study: Types of Income Learn about wage and salary as different ways to earn income; calculate total pay based on overtime and tips. Scoring: 0 points Quiz: Types of Income LESSON 2: COMPENSATION PACKAGES Study: Compensation Packages Learn about the types of benefits that make up a compensation package; calculate and compare the value of given compensation packages. Scoring: 0 points Quiz: Compensation Packages LESSON 3: REQUIRED AND OPTIONAL DEDUCTIONS Study: Required and Optional Deductions Learn about required and optional paycheck deductions; calculate take-home pay. Scoring: 0 points Quiz: Required and Optional Deductions LESSON 4: TAXATION Study: Taxation Learn about the most commonly used tax forms and how to fill them out; learn how to read a pay stub. Scoring: 0 points Quiz: Taxation Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 18 of 27

19 LESSON 5: BUDGETING AND COST OF LIVING Study: Budgeting and Cost of Living Explore various monthly expenditures and practice preparing a budget; compare cost of living in different geographic areas. Scoring: 0 points Quiz: Budgeting and Cost of Living LESSON 6: INFLATION, DEFLATION, AND RECESSION Study: Inflation, Deflation, and Recession Learn about inflation, deflation, and recession, as well as their effects on unemployment. Scoring: 0 points Quiz: Inflation, Deflation, and Recession Discuss: Discussion Join a three- to five-question discussion to practice methods learned in this unit. Duration: 0 hrs 20 mins Scoring: 30 points LESSON 7: INCOME AND BUDGETING WRAP-UP Review: Income and Budgeting Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Scoring: 0 points Test (CS): Income and Budgeting Take a computer-scored test to assess what you have learned in this unit. Scoring: 75 points Test (TS): Income and Budgeting Take a teacher-scored test to assess what you have learned in this unit. LESSON 8: DIAGNOSTIC Diagnostic: Income and Budgeting Take a diagnostic unit test that will generate a study plan based on your responses. Scoring: 25 points UNIT 3: BANKING LESSON 1: TYPES OF BANKS Study: Types of Banks Learn about different types of financial institutions such as deposit, savings, and investment banks. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 19 of 27

20 Scoring: 0 points Quiz: Types of Banks LESSON 2: THE FEDERAL RESERVE Study: The Federal Reserve Study the roles and responsibilities of the Federal Reserve Bank and the effects it has on the economy as well as individual consumers. Scoring: 0 points Quiz: The Federal Reserve Discuss: Discussion Join a three- to five-question discussion to practice methods learned in this unit. Duration: 0 hrs 20 mins Scoring: 30 points LESSON 3: CHECKING ACCOUNTS Study: Checking Accounts Learn what you need to have in order to open a checking account, and practice filling out checks. Scoring: 0 points Quiz: Checking Accounts LESSON 4: BALANCING YOUR CHECKBOOK Study: Balancing Your Checkbook Learn how to read a bank statement and reconcile a checkbook. Scoring: 0 points Quiz: Balancing Your Checkbook LESSON 5: COMPARING CHECKING ACCOUNTS Study: Comparing Checking Accounts Learn how to compare checking accounts based on what features they offer, such as monthly and per-check fees. Scoring: 0 points Quiz: Comparing Checking Accounts Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 20 of 27

21 LESSON 6: ELECTRONIC BANKING Study: Electronic Banking Learn about various electronic banking services, such as online banking, mobile banking, bill pay, debit, cash, and smart cards. Scoring: 0 points Quiz: Electronic Banking LESSON 7: BANKING WRAP-UP Review: Banking Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Scoring: 0 points Test (CS): Banking Take a computer-scored test to assess what you have learned in this unit. Scoring: 75 points Test (TS): Banking Take a teacher-scored test to assess what you have learned in this unit. LESSON 8: DIAGNOSTIC Diagnostic: Banking Take a diagnostic unit test that will generate a study plan based on your responses. Scoring: 25 points UNIT 4: SAVINGS AND INVESTMENT LESSON 1: INTEREST Study: Interest Explore simple and compound interest; learn how to calculate interest earned and an account balance after interest is applied. Scoring: 0 points Quiz: Interest LESSON 2: THE RULE OF 72 Study: The Rule of 72 Learn about the rule of 72 as a method of predicting how long it takes for an investment value to double. Scoring: 0 points Quiz: The Rule of 72 Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 21 of 27

22 LESSON 3: SAVINGS ACCOUNTS Study: Savings Accounts Learn about savings accounts and the difference between APR and APY; incorporate savings strategies into personal goals. Scoring: 0 points Quiz: Savings Accounts LESSON 4: COMPARING SAVINGS ACCOUNTS Study: Comparing Savings Accounts Explore various types of savings accounts based on their risk and liquidity. Scoring: 0 points Quiz: Comparing Savings Accounts Discuss: Discussion Join a three- to five-question discussion to practice methods learned in this unit. Duration: 0 hrs 20 mins Scoring: 30 points LESSON 5: INVESTMENT Study: Investment Learn about types of investments, such as savings accounts, stocks, bonds, mutual funds, and real estate. Scoring: 0 points Quiz: Investment LESSON 6: STOCKS AND BROKERS Study: Stocks and Brokers Learn about stocks and mutual funds and where to locate reliable information about them. Scoring: 0 points Quiz: Stocks and Brokers LESSON 7: THE STOCK MARKET Study: The Stock Market Learn how and where stocks are traded and which investor protection agencies regulate financial markets. Scoring: 0 points Quiz: The Stock Market Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 22 of 27

23 LESSON 8: SAVINGS AND INVESTMENT WRAP-UP Review: Savings and Investment Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Scoring: 0 points Test (CS): Savings and Investment Take a computer-scored test to assess what you have learned in this unit. Scoring: 75 points Test (TS): Savings and Investment Take a teacher-scored test to assess what you have learned in this unit. LESSON 9: DIAGNOSTIC Diagnostic: Savings and Investment Take a diagnostic unit test that will generate a study plan based on your responses. Scoring: 25 points UNIT 5: CREDIT LESSON 1: CREDIT, DEBIT, AND CASH Study: Credit, Debit, and Cash Differentiate between debit cards, credit cards, and cash, and study the advantages and disadvantages of using credit. Scoring: 0 points Quiz: Credit, Debit, and Cash LESSON 2: CALCULATING CREDIT CARD INTEREST Study: Calculating Credit Card Interest Learn about buying on credit and how to calculate finance charges; explore rights and responsibilities of buyers and sellers under consumer protection laws. Scoring: 0 points Quiz: Calculating Credit Card Interest LESSON 3: TRACKING PAYMENTS AND PURCHASES Study: Tracking Payments and Purchases Learn about paying off items purchased on credit and the effects various payment amounts have on the time remaining to pay something off. Scoring: 0 points Quiz: Tracking Payments and Purchases Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 23 of 27

24 LESSON 4: COMPARING CREDIT CARDS Study: Comparing Credit Cards Learn how to compare credit cards in terms of annual fees, annual percentage rates, grace periods, credit limits, and benefits offered. Scoring: 0 points Quiz: Comparing Credit Cards LESSON 5: CREDIT SCORES Study: Credit Scores Learn about credit scores and factors used to compute them; learn how to read a credit report. Scoring: 0 points Quiz: Credit Scores LESSON 6: BANKRUPTCY Study: Bankruptcy Learn how bankruptcy works and the social and economic consequences of declaring bankruptcy. Scoring: 0 points Quiz: Bankruptcy Discuss: Discussion Join a three- to five-question discussion to practice methods learned in this unit. Duration: 0 hrs 20 mins Scoring: 30 points LESSON 7: OTHER TYPES OF CREDIT Study: Other Types of Credit Investigate different sources of consumer credit, such as auto loans, student loans, and payday loans, and identify their most common forms. Scoring: 0 points Quiz: Other Types of Credit LESSON 8: CREDIT WRAP-UP Review: Credit Prepare for the unit test by reviewing key concepts and skills. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 24 of 27

25 Duration: 0 hrs 30 mins Scoring: 0 points Test (CS): Credit Take a computer-scored test to assess what you have learned in this unit. Scoring: 75 points Test (TS): Credit Take a teacher-scored test to assess what you have learned in this unit. LESSON 9: DIAGNOSTIC Diagnostic: Credit Take a diagnostic unit test that will generate a study plan based on your responses. Scoring: 25 points UNIT 6: CONSUMER PURCHASING AND PROTECTION LESSON 1: HOW TO BUY A CAR Study: How to Buy a Car Investigate the car-buying process, from dealership cost to dealer incentives. Scoring: 0 points Quiz: How to Buy a Car LESSON 2: HOW TO BUY A HOUSE Study: How to Buy a House Investigate the home-buying process, including financing options, escrow, and what goes into the total house payment. Scoring: 0 points Quiz: How to Buy a House LESSON 3: BUYING, RENTING, OR LEASING Study: Buying, Renting, or Leasing Learn about the costs, benefits, and terms associated with buying, renting, and leasing. Scoring: 0 points Quiz: Buying, Renting, or Leasing Discuss: Discussion Join a three- to five-question discussion to practice methods learned in this unit. Duration: 0 hrs 20 mins Scoring: 30 points LESSON 4: CONSUMER PURCHASES AND AGREEMENTS Study: Consumer Purchases and Agreements Learn about the PACED decision model for consumer purchases and investigate purchase and rental agreements. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 25 of 27

26 Scoring: 0 points Quiz: Consumer Purchases and Agreements LESSON 5: MARKETING Study: Marketing Understand the 4Ps of marketing and analyze the effect of marketing, advertising, and sales strategies on purchasing decisions (including impulse buying and delayed purchases). Scoring: 0 points Quiz: Marketing LESSON 6: INSURANCE Study: Insurance Learn about various forms of insurance, such as health, life, disability, and long-term care. Scoring: 0 points Quiz: Insurance LESSON 7: RETIREMENT PLANNING Study: Retirement Planning Investigate various retirement savings options, such as Roth and traditional IRAs and 401(k)s. Scoring: 0 points Quiz: Retirement Planning LESSON 8: CONSUMER PURCHASING AND PROTECTION WRAP-UP Review: Consumer Purchasing and Protection Prepare for the unit test by reviewing key concepts and skills. Duration: 0 hrs 30 mins Scoring: 0 points Test (CS): Consumer Purchasing and Protection Take a computer-scored test to assess what you have learned in this unit. Scoring: 75 points Test (TS): Consumer Purchasing and Protection Take a teacher-scored test to assess what you have learned in this unit. Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 26 of 27

27 LESSON 9: DIAGNOSTIC Diagnostic: Consumer Purchasing and Protection Take a diagnostic unit test that will generate a study plan based on your responses. Scoring: 25 points UNIT 7: FINANCIAL LITERACY EXAM LESSON 1: FINANCIAL LITERACY REVIEW AND EXAM Review: Financial Literacy Prepare for the semester exam by reviewing key concepts covered in this course. Duration: 1 hr Scoring: 0 points Exam: Financial Literacy Take a computer-scored exam to demonstrate your mastery of concepts and skills covered in this course. Duration: 1 hr Scoring: 200 points Copyright 2017 Apex Learning Inc. Apex Learning and the Apex Learning logo are registered trademarks of Apex Learning Inc. 27 of 27