Career & Financial Management Curricular Framework (2022): Grades 9, 10, 11, 12
Property Insurance
Generate resourceLife Insurance
Generate resourceHealth Insurance
Generate resourceVehicle Insurance
Generate resourceBonds
Generate resourceMutual Funds
Generate resourceStocks (equities, securities, common stock)
Generate resourceFinancial Management
Generate resourceCareer Management
Generate resourceIdentify potential career pathways โ16 career clusters as outlined in Common Career Technical Core (CCTC)
Generate resourceAssess individual skills, values, needs, personal attributes, and lifestyle choices
Generate resourceInvestigate opportunities to learn about specific careers through networking
Generate resourceExplore the different career clusters and particular careers in each cluster
Generate resourceBrainstorm how part-time jobs and volunteerism impact future career choices
Generate resourceResearch problem-solving models available to assist with career decision making; for example, the 5-step Problem Solving model (define the problem, list potential solutions, examine the pros and cons of each potential solution, make a decision and evaluate the decision)
Generate resourceEvaluate the effectiveness of problem-solving strategies in career decision making
Generate resourceCreate SMART goals (Specific, Measurable, Attainable, Realistic, Time Bound)
Generate resourceConduct networking activities including informational interviews, shadowing opportunities, internships and voluntary opportunities
Generate resourceResearch post-secondary educational options, including trade schools, certificate programs, and two-and four-year colleges
Generate resourceExplore employment opportunities including apprenticeships, labor unions, and full-and part-time employment
Generate resourceApply decision-making skills to develop a plan that includes short-and long-term career goals
Generate resourceExplore and identify types of financial assistance: scholarships, loans, Free Application for Federal Student Aid (FAFSA)
Generate resourceExplain the various sources of job opportunities (job websites, networking, internships, help wanted signs, work-based learning opportunities, public and private employment agencies, job fairs, and print media)
Generate resourceExplain how work-based learning experiences in high school can spark career interest and foster professional networking
Generate resourceDifferentiate personal qualities/skills that are included in resumes and cover letters
Generate resourceIdentify the skills to create a good first impression, either on the internet or face to face
Generate resourceReview telephone, digital, and face-to-face interview strategies to best showcase qualifications
Generate resourceDiscuss ways information gleaned during a job interview can influence the decision to accept a position
Generate resourceDiscuss reasons job seekers should engage in follow-up communication with interviewers
Generate resourceDevelop ways to edit portfolio contents to match requirements for advertised positions
Generate resourceGain knowledge or documentation required for employment, such as working papers
Generate resourceIdentify prohibitive occupations for minors and special exemptions for students enrolled in CTE programs
Generate resourceExplain workplace terms, such as working hours, overtime, minimum wage, prevailing wage, per diem, workers' compensation insurance, unemployment insurance, Social Security, and disability insurance
Generate resourceIdentify laws and agencies that protect against discrimination and support equal opportunities (EEOC)
Generate resourceInvestigate workplace hazards, negative health effects, and methods for controlling them
Generate resourceRecognize the role of workers compensation insurance, disability insurance, and social security for on-the-job illness or injury
Generate resourceExplain what OSHA (Occupational Safety and Health Administration) and the CDC (Centers for Disease Control and Prevention) are and how they protect employees
Generate resourceDefine the National Labor Relations Act of 1935, also known as the Wagner Act
Generate resourceDetermine how the Fair Labor Standards Act of 1938 affected wages and equal opportunities
Generate resourceIdentify career readiness skills (e.g., critical thinking, problem solving, decision making, communication)
Generate resourceExplain how career readiness skills contribute to success in a variety of career and life settings
Generate resourceReflect on experiences that provide opportunities to gain and/or strengthen career readiness skills
Generate resourceExplain why career readiness skills are also referred to as transferrable skills
Generate resourceDefine the term "self-advocacy" as it relates to success in a variety of career and life settings
Generate resourceIdentify and discuss strategies to overcome obstacles and challenges to success in a variety of career and life settings
Generate resourceExplain how self-advocacy can assist in reaching short-, mid-, and long-term goals
Generate resourceExplain how enrollment in skills development training, courses, degree programs, and/or workshops can enhance career growth, advancement, and/or lifelong learning
Generate resourceInvestigate how to access and acquire various certificates, accreditations, and other career credentials
Generate resourceUnderstand the value that ongoing education has on career growth, achievement, and/or lifelong learning
Generate resourceExplore how tuition reimbursement options in many organizations encourage their employees to continue their education
Generate resourceIdentify and use career resources to obtain information about professional development opportunities sponsored by professional organizations
Generate resourceExplain how attending and/or presenting at local, regional, national, and international meetings, conferences, and workshops sponsored by professional organizations may lead to career growth, advancement, and/or lifelong learning
Generate resourceDetermine why keeping up with technology, systems, and processes is critical for career growth, advancement, and/or lifelong learning
Generate resourceResearch, identify, and explain reasons why it is important for an individual to consistently possess current knowledge and skills
Generate resourceDefine role model and mentor as they relate to career growth, advancement, and/or lifelong learning
Generate resourceCompare the benefits of being a role model or mentor with having a role model or mentor and how each can lead to career growth, advancement, and/or lifelong learning
Generate resourceExplain the concept of networking and the role it plays in career growth, advancement, and/or lifelong learning
Generate resourceAssess the impact leaders can have in the workplace, community, and the global marketplace
Generate resourceDescribe the purpose of leadership organizations and how they promote ethics in leadership
Generate resourceInvestigate leadership organizations in the school, workplace, and community which promote leadership skills
Generate resourceExplain and demonstrate understanding of parliamentary procedure as it applies to conducting meetings, clubs, organizations, etc.
Generate resourceDiscuss how using parliamentary procedure can positively affect an organization.
Generate resourceDiscuss how using parliamentary procedure can negatively affect an organization.
Generate resourceExplain how personal and professional ethics can be demonstrated in life situations
Generate resourceExplain how personal and professional ethics can be demonstrated in employment situations
Generate resourceIdentify ways to demonstrate respect for intellectual property, personal privacy, and information security
Generate resourceDemonstrate how to produce letters, memos, and emails correctly for the workplace
Generate resourceDevelop the technical and interpersonal skills to access and assess technology effectively
Generate resourceDefine texting and instant messaging and how they are used effectively in the workplace
Generate resourceExplain the ethics of social media and communications and how they benefit businesses
Generate resourceDescribe the difference between a professional and an unprofessional digital footprint
Generate resourceDevelop the technical and interpersonal skills to use technology effectively
Generate resourceIdentify characteristics that provide meaningful goal direction: SMART (Specific, Measurable, Attainable, Realistic, Timebound)
Generate resourceReview variables impacting a budget (e.g., inflation, unemployment, relationship changes (marriage/divorce), extreme weather)
Generate resourceExplain the importance of developing an emergency fund before planning other monetary goals
Generate resourceReflect on the importance of revising/updating emergency funds as life changes occur
Generate resourceIdentify how small "want" purchases and buying on impulse can impact a budget
Generate resourceIdentify the 3 R's in purchase decision making: Reality, Responsibility and Restraint
Generate resourceExplain options to balance your budget when/if there is a surplus or deficit
Generate resourceIdentify outside influences that make sticking to a budget challenging (advertising, social status)
Generate resourceIdentify software programs/apps and other tools to assist in budgeting (MINT, banking app)
Generate resourceIdentify various banking options such as commercial banking, credit unions, etc.
Generate resourceDescribe how to open and manage both manual and electronic checking and savings accounts
Generate resourceIdentify the importance of maintaining good financial records (check register, electronic records and reconciliation statements)
Generate resourceIdentify the businesses where credit is offered: banks, credit unions, investment firms, retailers, finance companies, tax preparers, pawn shops, government agencies, colleges, consumer finance companies, credit card companies, mortgage brokers, etc.
Generate resourceDescribe the differences in the structure, options, and possible consequences of borrowing from the various sources
Generate resourceIdentify and describe the various types of credit: credit card, student loan, car loan, personal loan, mortgages, business loan
Generate resourceDefine secured loans (give forms and examples of collateral), unsecured loans, subsidized and unsubsidized loans, co-signed loans and joint credit vs. individual credit, balloon payments, and ARM (adjusted rate mortgage)
Generate resourceReview the types of loan applications and information required for approval: income; length at job; FICO (Fair Isaac Corp.) score; debt-to-loan ratio; collateral; down payment; co-signers or guarantors
Generate resourceExplain five C's of credit that determine credit worthiness of potential borrowers: Character (integrity); Capacity (sufficient money to pay for obligations); Collateral (assets to secure the debt); Capital (net worth); Conditions (of the borrower and the overall economy)
Generate resourceExplore the FAFSA (Free Application for Federal Student Aid) process for borrowing money for post-secondary education
Generate resourceDefine default/foreclosure/repossession, overspending, bankruptcy, and poor credit decisions
Generate resourceDiscuss the pitfalls of failing to compare and evaluate interest rates, length of the loan, and total cost of the loan over the payment period
Generate resourceIdentify instances when issuers can close accounts and slash credit limits without advance warning
Generate resourceDiscuss the true cost of purchases when making only the minimum payment on a credit card statement
Generate resourceIdentify various options associated with credit cards (prepaid cards, store credit cards, bank credit cards).
Generate resourceDefine terms associated with credit cards (cash advances, credit limit, minimum amount due, grace period, late fee, finance charge)
Generate resourceDevelop the ability to read, understand, and interpret credit card bills/statements
Generate resourceRecognize consumer protections provided by federal legislation<ul><li>Issuers must give card account holders "a reasonable amount of time" to make payments on monthly bills</li><li>Credit card bills must arrive at least 21 days before the end of the grace period</li><li>Fees charged must be reasonable and proportional</li><li>Over-limit fees must be addressed</li><li>Interest rates on new transactions (not pre-existing balances) can increase only after the first year</li><li>Significant changes require 45 days of advance notice</li><li>Holders must be at least 21 years old unless they have adult co-sign</li><li>Credit card companies must stay at least 1,000 feet from college campuses if they are offering gifts to entice students to apply</li><li>Card issuers cannot raise the APR (annual percentage rate) automatically when the cardholder fails to make a payment on another card</li><li>Issuers need to clearly disclose all information and rates</li></ul>
Generate resourceDevelop skills necessary to avoid identity theft and maintain identity security
Generate resourceIdentify and promote good practices for privacy, security, and online safety
Generate resourceDescribe what Annual Percentage Rate (APR) is, how it is used, and its importance
Generate resourceDefine terms and concepts associated with simple/compound interest, APR, late fees, initial fees, non-payment fees, and other information associated with the cost of credit
Generate resourceIdentify various sources of credit and how large purchases (vehicles, homes, furniture) are usually financed
Generate resourceReview the Five C's of credit that determine credit worthiness of potential borrowers: Character (integrity); Capacity (sufficient money to pay for obligations); Collateral (assets to secure the debt); Capital (net worth); Conditions (of the borrower and the overall economy)
Generate resourceIdentify ways to reduce the cost of borrowing money<ul><li>Making a larger down payment</li> <li>Shopping for lower interest rates</li> <li>Borrowing for a shorter period of time</li></ul>
Generate resourceExplain FICO (Fair Isaac Corp.), which started the credit score system, and why is it important
Generate resourceIdentify the three credit reporting agencies (Equifax, TransUnion, and Experian) and their impact on your credit score
Generate resourceDescribe the implications of a low vs. high credit score for securing a loan
Generate resourceExplain the consequences of paying only the minimum amount due on credit cards. (Generally, the longer the period of time for repayment, the greater the total cost of the loan and therefore the real price of the product or service purchased on credit.)
Generate resourceExplain what motivates people to invest (increase assets, produce wealth, and prepare for retirement)
Generate resourceDistinguish between investing and savings and how each satisfies financial goals
Generate resourceExamine commission charges and their impact on the cost of buying and selling securities
Generate resourceRecognize that different stocks are traded on specific stock exchanges (NYSE, Euronext, NASDAQ)
Generate resourceAnalyze major indices that reflect aspects of the economic climate (S&P 500 and Dow Jones)
Generate resourceDefine the components of bonds, including principal, price, coupon/interest rates, payments to lender, face value, and maturity
Generate resourceDefine the different types of bonds, such as treasury bonds, municipal bonds, and corporate bonds
Generate resourceRecognize factors that influence bond prices: rates, inflation, economic conditions
Generate resourceDistinguish among different mutual fund packages (money market, equity and bond funds, family of funds)
Generate resourceDemonstrate ability to read stock market tables: stock symbol, high, low, opening and closing price, net change, volume, and P/E (price-to-earnings) ratio
Generate resourceDetermine capital gains/losses (selling price -purchase price) x shares of stock = capital gain or loss
Generate resourceRecognize the factors that influence stock prices (news, economy, new products, bankruptcy)
Generate resourceRecognize how real estate and collectibles (antiques, coins, sports cards, comic books) are investment opportunities
Generate resourceDefine the various long-term savings plans available for consumers (529, 403b, 401k, Gerber Plan, employment match fund, pension, tax deferred annuity, and Roth IRA)
Generate resourceDistinguish among the Securities Exchange Commission (SEC), the Federal Trade Commission (FTC), and a Federal Reserve Bank (the Fed)
Generate resourceDescribe how each agency protects investors by enforcing the laws concerning the buying and selling of stocks
Generate resourceRecognize the difference between the leasing and ownership options (used and new)
Generate resourceIdentify purchasing strategies, including discounts, brick and mortar vs. online, and comparative shopping (unit price)
Generate resourceDescribe the legal remedies available to consumers such as lemon laws for cars, Better Business Bureau (BBB),the New York State Attorney General's Bureau of Consumer Frauds & Protection, FTC's Bureau of Consumer Protection, and Small Claims Court
Generate resourceExplain how online consumer referrals and compliance impact the marketplace
Generate resourceCalculate the cost and benefits of insurance and how degrees of risk affect the cost of insurance
Generate resourceExplore various options to secure health insurance, such as Health Maintenance Organization (HMO), a Preferred Provider Organization (PPO), employer supported insurance, and government-sponsored health insurance
Generate resourceDefine life insurance terms, such as death benefit, beneficiary, cash value, and face-value
Generate resourceDefine terms of property insurance, such as: renters, homeowners, and mortgage insurance
Generate resourceIdentify factors affecting cost of insurance such as age, gender, marital status, type of car, cost of repairs, mileage, location, law enforcement, driving record and claims made
Generate resourceExplore optional coverages such as comprehensive, collision, and umbrella coverage
Generate resourceExplore strategies to reduce the cost of vehicle insurance, such as increasing the deductible, reducing coverage, garaging the vehicle, installing alarms, taking a driver education course, or avoiding submitting small claims
Generate resourceExplore additional insurance options, such as: travel, mobile and electronic devices, disability, and long-term care
Generate resourceExplain how municipalities and federal government collect and utilize taxes
Generate resourceDefine other types of taxes and their purpose, such as property taxes, luxury taxes, estate taxes
Generate resourceDefine different deductions, such as: Medicare, Social Security, unemployment, and disability
Generate resourceCareer Development and Occupational Studies (2021): Grades 9, 10, 11, 12
Arts/Humanities
Generate resourceNatural and Agricultural Sciences
Generate resourceHuman and Public Services
Generate resourceEngineering/Technologies
Generate resourceHealth Services
Generate resourceBusiness/Information Systems
Generate resourceCareer Majors
Generate resourceSystems
Generate resourceManaging Resources
Generate resourceManaging Information
Generate resourceTechnology
Generate resourceInterpersonal Skills
Generate resourcePersonal Qualities
Generate resourceThinking Skills
Generate resourceBasic Skills
Generate resourceUniversal Foundation Skills
Generate resourceIntegrated Learning
Generate resourceCareer Development
Generate resourceStudents will be knowledgeable about the world of work, explore career options,and relate personal skills, aptitudes, and abilities to future career decisions.
Generate resourceStudents will learn about the changing nature of the workplace, the value of work to society, and the connection of work to the achievement of personal goals.
Generate resourceStudents will demonstrate how academic knowledge and skills are applied in the workplace and other settings.
Generate resourceStudents use essential academic concepts, facts, and procedures in applications related to life skills and the world of work. This approach allows students to see the usefulness of the concepts that they are being asked to learn and to understand their potential application in the world of work.
Generate resourceStudents will demonstrate mastery of the foundation skills and competencies essential for success in the workplace.
Generate resourceBasic skills include the ability to read, write, listen, and speak as well as perform arithmetical and mathematical functions.
Generate resourceThinking skills lead to problem solving, experimenting, and focused observation and allow the application of knowledge to new and unfamiliar situations.
Generate resourcePersonal qualities generally include competence in self-management and the ability to plan, organize, and take independent action.
Generate resourcePositive interpersonal qualities lead to teamwork and cooperation in large and small groups in family, social, and work situations.
Generate resourceTechnology is the process and product of human skill and ingenuity in designing and creating things from available resources to satisfy personal and societal needs and wants.
Generate resourceInformation management focuses on the ability to access and use information obtained from other people, community resources, and computer networks.
Generate resourceUsing resources includes the application of financial and human factors, and the elements of time and materials to successfully carry out a planned activity.
Generate resourceSystems skills include the understanding of and ability to work within natural and constructed systems.
Generate resourceStudents who choose a career major will acquire the career-specific technical knowledge/skills necessary to progress toward gainful employment, career advancement, and success in postsecondary programs.
Generate resourcedemonstrate an understanding of business, marketing, and multinational economic concepts, perform business-related mathematical computations, and analyze/interpret business-related numerical information.
Generate resourceselect, apply, and troubleshoot hardware and software used in the processing of business transactions.
Generate resourceprepare, maintain, interpret/analyze, and transmit/ distribute information in a variety of formats while demonstrating the oral, nonverbal, and written communication skills essential for working in today's international service-/information-/technological-based economy.
Generate resourcedemonstrate an understanding of the interrelatedness of business, social, and economic systems/subsystems.
Generate resourceidentify, organize, plan, and allocate resources (e.g., financial, materials/facilities, human, time) in demonstrating the ability to manage their lives as learners, contributing family members, globally competitive workers, and self-sufficient individuals.
Generate resourceexhibit interpersonal skills essential for success in the multinational business world, demonstrate basic leadership abilities/skills, and function effectively as members of a work group or team.
Generate resourcedemonstrate a solid base of knowledge/skills in one or more of the disciplines and the related professions of visual art, dance, music, theater, and humanities.
Generate resourcedemonstrate the reading, writing, listening, speaking, graphic and multimedia skills necessary to participate effectively in one or more of the arts/humanities professions.
Generate resourcedemonstrate the ability to express informed judgments about the arts/humanities and related professions.
Generate resourcedemonstrate the skills necessary to function and interact effectively in a variety of settings within the arts/humanities.
Generate resourcedemonstrate a repertoire of experience when presenting an exhibition, performance, portfolio, or publication.
Generate resourcecreate an ongoing portfolio that demonstrates the competencies and creative processes delineated in the preceding key ideas.
Generate resourcecomplete the development of a career plan that would permit eventual entry into a career option of their choosing
Generate resourceapply decision-making skills in the selection of a career option of strong personal interest
Generate resourceanalyze skills and abilities required in a career option and relate them to their own skills and abilities.
Generate resourcedemonstrate the integration and application of academic and occupational skills in their school learning, work, and personal lives.
Generate resourceuse academic knowledge and skills in an occupational context, and demonstrate the application of these skills by using a variety of communication techniques (e.g., sign language, pictures, videos, reports, and technology)
Generate resourceresearch, interpret, analyze, and evaluate information and experiences as related to academic knowledge and technical skills when completing a career plan.
Generate resourceuse a combination of techniques to read or listen to complex information and analyze what they hear or read; convey information confidently and coherently in written or oral form; and analyze and solve mathematical problems requiring use of multiple computational skills.
Generate resourcedemonstrate the ability to organize and process information and apply skills in new ways.
Generate resourcedemonstrate leadership skills in setting goals, monitoring progress, and improving their performance.
Generate resourceuse technology to acquire, organize, and communicate information by entering, modifying, retrieving, and storing data.
Generate resourcedemonstrate an understanding of how systems performance relates to the goals, resources, and functions of an organization.
Generate resourcebegin a career plan that would assist in the transition from school to eventual entry into a career option
Generate resourcedescribe the changing nature of the workplace brought about by global competition and technology
Generate resourceexplore their preferences for working with people, information, and/or things
Generate resourcedemonstrate understanding of the relationship of decision making to the attainment of future goals
Generate resourceidentify academic knowledge and skills that are required in specific occupations
Generate resourcedemonstrate the difference between the knowledge of a skill and the ability to use the skill
Generate resourcelisten to and read the ideas of others and express themselves both orally and in writing; they use basic mathematical concepts and computations to solve problems.
Generate resourceuse ideas and information to make decisions and solve problems related to accomplishing a task.
Generate resourcedemonstrate an awareness of the different types of technology available to them and of how technology affects society.
Generate resourcedemonstrate an awareness of the knowledge, skills, abilities, and resources needed to complete a task.
Generate resourcedemonstrate understanding of how a system operates and identify where to obtain information and resources within the system.
Generate resourceapply knowledge/skills acquired in academic subjects to the health care environment.
Generate resourceunderstand the current health care system and its impact on health careers.
Generate resourcedevelop knowledge of the concept of optimal health and identify factors that affect health maintenance.
Generate resourceknow the importance of performing their role in the health care system in accordance with laws, regulations, policies, ethics, and the rights of clients.
Generate resourceidentify safety hazards in a health care setting and prevent illness or injury through safe work practices.
Generate resourceinteract effectively and sensitively with all other members of the health care team in order to provide high-quality client care.
Generate resourceidentify procedures within their scope of practice and job description and perform them accurately and in a timely fashion.
Generate resourcecontinue development of a career plan that would assist in the transition from school to eventual entry into a career option of their choosing
Generate resourcedemonstrate an understanding of the relationship among personal interests, skills and abilities, and career research
Generate resourceunderstand the relationship of personal interests, skills, and abilities to successful employment
Generate resourcedemonstrate an understanding of the relationship between the changing nature of work and educational requirements
Generate resourceIntegrated learning encourages students to use essential academic concepts, facts, and procedures in applications related to life skills and the world of work. This approach allows students to see the usefulness of the concepts that they are being asked to learn and to understand their potential application in the world of work.
Generate resourceapply academic knowledge and skills using an interdisciplinary approach to demonstrate the relevance of how these skills are applied in work-related situations in local, state, national, and international communities
Generate resourceuse academic knowledge and skills in an occupational context, and demonstrate the application of these skills by using a variety of communication techniques (e.g., sign language, pictures, videos, reports, and technology).
Generate resourcelisten to and read the ideas of others and analyze what they hear and read; acquire and use information from a variety of sources; and apply a combination of mathematical operations to solve problems in oral or written form.
Generate resourceevaluate facts, solve advanced problems, and make decisions by applying logic and reasoning skills.
Generate resourcedemonstrate an understanding of the relationship between individuals and society and interact with others in a positive manner.
Generate resourcedemonstrate the ability to work with others, present facts that support arguments, listen to dissenting points of view, and reach a shared decision.
Generate resourceselect and communicate information in an appropriate format (e.g., oral, written, graphic, pictorial, multimedia).
Generate resourceunderstand the material, human, and financial resources needed to accomplish tasks and activities.
Generate resourceunderstand the process of evaluating and modifying systems within an organization.
Generate resourcedemonstrate a solid base of knowledge and skills in natural and agricultural sciences.
Generate resourcedemonstrate the ability to use technology to assist in production and distribution of food goods and services of today's agricultural industries.
Generate resourceprepare, maintain, interpret, and disseminate quantitative and qualitative pieces of information relating to the natural and agricultural sciences.
Generate resourcedemonstrate an understanding of the interrelationship between agricultural businesses and organizations designed to produce products, services, and information.
Generate resourcedemonstrate the ability to manage personal time, business, and financial resources.
Generate resourcedemonstrate the interpersonal skills and abilities needed to function within a sophisticated and sometimes complicated agricultural environment.
Generate resourcedemonstrate awareness of the importance of safety and accident prevention in all agricultural situations.
Generate resourcedemonstrate professional, ethical, and legal responsibilities toward customers.
Generate resourcedemonstrate effective communication skills needed to meet the expectations of human and public services consumers.
Generate resourcedemonstrate a knowledge of the principles of sanitation used to prevent the transmission of disease-producing microorganisms from one person/object to another.
Generate resourceunderstand the process of human growth and development and its influence on client needs.
Generate resourcesolve problems, set goals, and make decisions in order to provide services to best meet the needs of others.
Generate resourcedevelop practical understanding of engineering technology through reading, writing, sample problem solving, and employment experiences.
Generate resourcedemonstrate how all types of engineering/technical organizations, equipment (hardware/software), and well-trained human resources assist and expedite the production/distribution of goods and services.
Generate resourcedemonstrate knowledge of planning, product development and utilization, and evaluation that meets the needs of industry
Generate resource