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High School Personal Finance and Money Management

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Suggested Prerequisites

Algebra I

Description

Learn one of life’s most important lessons – making sound financial decisions! In this course, you will practice money management skills using real-life scenarios. This course teaches the skills and knowledge you need to become a wise consumer, saver, investor, user of credit, and planner. Topics include financial attitudes and behaviors, income and taxes, budgeting, buying goods and services, financial accounts, credit and loans, financial investing, and insuring and planning. Build your financial literacy skills to excel in today’s global workforce and society. And if you are still asking yourself, when will I ever use this information? The answer is every day for the rest of your adult life.

Module One: Attitudes, Education, and Income

-Cognitive biases affecting financial decisions

-Factors affecting career choices

-Costs and benefits of education/training

-Types of income

-Entrepreneurship

-“Gig“ employment

-Social Security

-Purposes of taxes at the federal, state, and local levels

-Income tax

-Budgeting


Module Two: Spending and Saving

-Factors affecting consumer decisions

-Charitable and non-profit organizations

-Contesting an incorrect billing statement

-Conditions of contracts

-Types of financial accounts

-Managing financial accounts

-Government regulatory agencies

-Inflation

-Nominal and real interest rates

-Calculating simple and compound interest


Module Three: Credit and Loans

-Costs and benefits of using credit

-Secured and unsecured loans

-Completing a loan application

-Home mortgages

-Financing options for post-secondary education

-Credit scores and reports

-Consequences of poor credit

-Assistance for repaying debt

-Declaring bankruptcy


Module 4 – Investing, Insuring, and Planning

-Types and purposes of investments

-Risks of different types of investments

-Tax implications of investments

-Risk versus returns

-Diversification

-Insurance and premiums

-Identity theft

-Inheritance

-Financial planning

This is a one segment course.