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 RolesBE.S.PFIN.1 Students will develop consumer skills as related to finances.Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in the consumer role. The student can evaluate basic economic concepts and their impact on pricing and

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in the consumer role. The student can explore basic economic concepts and their impact on pricing and

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in the consumer role. The student can examine basic economic concepts and their impact on pricing and spending; examine

spending; communicate consumer rights, responsibilities and remedies; contrast the impact of marketing and advertising on consumer demand and decision-making globally; perform comparison shopping; critique financial information from a variety of sources; develop a personal finance record filing system; rank the steps for making a purchase decision; investigate the difference in consumer protection regulations; and evaluate common types of consumer contracts. The student can independently solve problems and is self-directed.

spending; discuss consumer rights, responsibilities and remedies; state the impact of marketing and advertising on consumer demand and decision-making globally; describe comparison shopping; identify financial information from a variety of sources; give examples of a personal finance record filing system; write the steps for making a purchase decision; review the difference in consumer protection regulations; and describe common types of consumer contracts. Application of knowledge and skills is thorough and effective and the student can work independently.

consumer rights, responsibilities and remedies; relate the impact of marketing and advertising on consumer demand and decision-making globally; demonstrates comparison shopping; research financial information from a variety of sources; prepare a personal finance record filing system; outline the steps for making a purchase decision; determine the difference in consumer protection regulations; and recognize common types of consumer contracts.Performance needs further development and supervision.

Standard: 2 Banking TransactionsBE.S.PFIN.2 Students will analyze and interpret financial institutions.Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by 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.

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.

Standard: 3 Income Earning and ReportingBE.S.PFIN.3 Students will explore income earnings and reporting.Objectives Students willBE.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 Partial MasteryThe student demonstrates exceptional and exemplary performance with

The student demonstrates competent and proficient performance and shows a

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.

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.

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.

Standard: 4 Personal Financial SuccessBE.S.PFIN.4 Students will plan for personal financial success.Objectives Students willBE.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 Partial MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in personal financial success. The student can generate personal financial short-term and long-term goals; develop anticipated income and expenses; develop unanticipated income and expense; create a budget; and compare and contrast how economics influences financial plans.

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in personal financial success. The student can prepare personal financial short-term and long-term goals; identify anticipated income and expenses; identify unanticipated income and expense; develop a budget; and debate how economics influences financial plans. Application of

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 FunctionsBE.S.PFIN.5 Students will explore federal, state and local taxes.Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in tax functions. The student can evaluate the types, and purposes, of federal, state and local taxes; assess how federal, state, and local taxes are levied; critique tax deductions and sales credits for a tax form; compute state taxes on products and services; prepare a state income tax form manually and electronically; and prepare short and itemized federal income tax forms, manually and electronically. The student can independently solve problems and is self-directed.

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in tax functions. The student can research the types, and purposes, of federal, state and local taxes; determine how federal, state, and local taxes are levied; research tax deductions and sales credits for a tax form; calculate state taxes on products and services; complete a state income tax form manually and electronically; and compare and complete short and itemized federal income tax forms, manually and electronically. Application of knowledge and skills is thorough and effective and the student can work independently.

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in exploring federal, state and local tax functions. The student can understand the types, and purposes, of federal, state and local taxes; interpret how federal, state, and local taxes are levied; find tax deductions and sales credits for a tax form; calculate state taxes on products and services; complete a state income tax form manually and electronically; and complete short and itemized federal income tax forms, manually and electronically. Performance needs further development and supervision.

Standard: 6 Investment and Savings PlansBE.S.PFIN.6 Students will devise investment and savings plans.Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in devising investment and savings plans. The student can compare and contrast costs and income sources for investments; compare and contrasts options for investments and savings; compare simple interest verses compound interest on savings; analyze the stock market and how it works; evaluate the Social Security System; critique the Social Security System and how it effects retirement planning; and negotiate retirement plans. The student can independently solve problems and is self-directed.

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in devising investment and savings plans. The student can investigate costs and income sources for investments; compare and contrast options for investments and savings; compare simple interest verses compound interest on savings; research the stock market and how it works; research the Social Security System; investigate the Social Security System and how it effects retirement planning; and compare and contrast retirement plans. Application of knowledge and skills is thorough and effective and the student can work independently.

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in exploring investments and savings plans. The student can identify costs and income sources for investments; gives example options for investments and savings; explain simple interest verses compound interest on savings; understand the stock market and how it works; interpret the Social Security System; report on the Social Security System and how it effects retirement planning; and discuss retirement plans. Performance needs further development and supervision.

Standard: 7 Compare Transportation and Housing CostBE.S.PFIN.7 Students will compare transportation and housing costs.

Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in caring transportation and housing costs. The student and compile the processes of purchasing a house; compile the processes of renting housing; formulate the advantages and disadvantages of purchasing versus renting house; organize housing expenses involved in independent living such as utilities, maintenance, services, etc.; interpret the process for purchasing a vehicle; interpret the process of leasing a vehicle; and compare leasing versus purchasing a vehicle. The student can independently solve problems and is self-directed.

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in comparing transportation and housing costs. The student can research the process of purchasing a house; research the process of renting housing; compare and contrast the advantages and disadvantages of purchasing versus renting house; calculate housing expenses involved in independent living such as utilities, maintenance, services, etc.; determine the process for purchasing a vehicle; investigate the process of leasing a vehicle; and compare leasing versus purchasing a vehicle. Application of knowledge and skills is thorough and effective and the student can work independently.

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in comparing transportation and housing costs. The student can understand the process of purchasing a house; understand the process of renting housing; identify the advantages and disadvantages of purchasing versus renting house; list and labels housing expenses involved in independent living such as utilities, maintenance, services, etc.; explain the process for purchasing a vehicle; review the process of leasing a vehicle; and interpret leasing versus purchasing a vehicle. Performance needs further development and supervision.

Standard: 8 Credit and Loan Procedures BE.S.PFIN.8 Students will analyze credit and loan procedures

Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in credit and loan procedures. The student can assess methods for financing purchases; compute payment schedules for a loan utilizing manual, electronic and on-line tools; compare and contrast features of credit cards and their impact on financial planning; ranks qualifications for obtaining credit;complete a sample credit application; evaluate credit and loan laws; prepare debt management strategies; research sources for assistance with debt management ; investigate the credit scoring process; rank reasons for

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in credit and loan procedures. The student can examine methods for financing purchases; compute payment schedules for a loan utilizing manual, electronic and on-line tools; analyze features of credit cards and their impact on financial planning; determine qualifications for obtaining credit; complete a sample credit application; analyze credit and loan laws; identify debt management strategies; research sources for assistance with debt management ; research the credit scoring process; establish reasons for

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in credit and loan procedures. The student can understand methods for financing purchases; calculate payment schedules for a loan utilizing manual, electronic and on-line tools; review features of credit cards and their impact on financial planning; discuss qualifications for obtaining credit; complete a sample credit application; identify credit and loan laws; identify debt management strategies; describe sources for assistance with debt management ; make sense of the credit scoring process; give reasons for

maintaining sound credit ratings; evaluate the costs and conditions of secured and unsecured loans; and research bankruptcy laws and implications. The student can independently solve problems and is self-directed.

maintaining sound credit ratings; analyze the costs and conditions of secured and unsecured loans; and research bankruptcy laws and implications. Application of knowledge and skills is thorough and effective and the student can work independently.

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.

Standard: 9 Insurance as Risk ManagementBE.S.PFIN.9 Students will evaluate insurance as risk management.Objectives Students willBE.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 Partial MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in evaluating insurance as risk management. The student can evaluate insurance as a risk management strategy; critique the role of insurance for financial planning; compare the types of life insurance coverage; compare the types of health insurance coverage; compare the types of property coverage; compare the types of property coverage; and compare the types of automobile

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in analyzing insurance as risk management. The student can analyze insurance as a risk management strategy; determine the role of insurance for financial planning; compare the types of life insurance coverage; compare the types of health insurance coverage; compare the types of property coverage; compare the types of property coverage; and compare the types of automobile

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 knowledge and skills is thorough and effective and the student can work independently.

Performance needs further development and supervision.

Standard 10 Participating in the Student OrganizationBE.S.PFIN.10 Students will participate in a local student organization.Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in participating in the local student organization. The student can assess the purposes and goals of a local student organization; evaluate the benefits and responsibilities of participation in a local student organization as an adult; and incorporate leadership skills through participation in local student organization activities such as meetings, programs, and projects. The student can independently solve problems and is self-directed.

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in participating in the student organization. The student can assess the purposes and goals of the local student organization; and discover the benefits and responsibilities of participation in a local student organization as an adult; and demonstrate leadership skills through participation in local student organization activities such as meetings, programs, and projects. Application of knowledge and skills is thorough and effective, and the student can work independently.

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in participating in the student organization. The student can identify the purposes and goals of the local student organization; explain the benefits and responsibilities of participation in a local student organization as an adult; and discuss leadership skills through participation in local student organization activities such as meetings, programs, and projects. Performance needs further development and supervision.

Standard: 11 Literacy and NumeracyBE.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 willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in literacy and numeracy. The student chooses a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects; performs writing skills required to complete career/technical assignments and projects; communicates accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects; and evaluates tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. The student can independently solve problems and is self-directed.

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in literacy and numeracy. The student utilizes a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects; demonstrates writing skills required to complete career/technical assignments and projects; demonstrates accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects; and analyzes tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. Application of knowledge and skills is thorough and effective and the student can work independently.

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in literacy and numeracy. The student selects a variety of technical sources (e.g., Internet, manuals, journals, directions, reports, etc.) to complete career/technical assignments and projects; reproduces writing skills required to complete career/technical assignments and projects; illustrates accuracy in calculating and measuring graphical work required to complete career/technical assignments and projects; and explains tables, charts, graphs and multiple data sources to complete career/technical assignments and projects. Performance needs further development and supervision.

Standard: 1221st Century Learning Skills

BE.S.PFIN.12 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 willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in 21st century learning skills. The student assesses online technology tools and media to access relevant information needed for problem solving; critiques information for oral, written, and multimedia communications, adhering to copyright laws; integrates problem solving and critical thinking

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in 21st century learning skills. The student searches online using a range of technology tools and media to access relevant information needed for problem solving; creates information for oral, written, and multimedia communications, adhering to copyright laws; engages in problem solving and

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in 21st century learning skills. The student explains online technology tools and media to access relevant information needed for problem solving; identifies information for oral, written, and multimedia communications, adhering to copyright laws; discusses problem solving and critical thinking processes to create and

processes to create and evaluate 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.

critical thinking processes to create and evaluate complex strategies in order to independently solve problems; adapts to new situations by considering multiple perspectives and a commitment to continued learning; exhibits ethical behavior and positive leadership while working collaboratively in the school and/or community; and models legal and ethical behaviors in the use of technology. Application of knowledge and skills is thorough and effective and the student can work independently.

evaluate complex strategies in order to independently solve problems; discusses new situations by considering multiple perspectives and a commitment to continued learning; reviews ethical behavior and positive leadership while working collaboratively in the school and/or community; and describes legal and ethical behaviors in the use of technology. Performance needs further development and supervision.

Standard: 13 Entrepreneurship SkillsBE.S.PFIN.13 Students will access the opportunities, concepts, processes, and personal traits/behaviors associated with

successful entrepreneurial performance. Objectives Students willBE.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 MasteryThe student demonstrates exceptional and exemplary performance with distinctive and sophisticated application of knowledge and skills that exceed the standard in entrepreneurship skills. The student critiques global trends in entrepreneurship that are related to their career/technical program; evaluates entrepreneurial opportunities in venture creation related to their career/technical

The student demonstrates competent and proficient performance and shows a thorough and effective application of knowledge and skills that meet the standard in entrepreneurship skills. The student assesses global trends in entrepreneurship that are related to their career/technical program; determines entrepreneurial opportunities in venture creation related

The student demonstrates basic but inconsistent performance of fundamental knowledge and skills characterized by errors and/or omissions in entrepreneurship skills. The student lists global trends in entrepreneurship that are related to their career/technical program; describes entrepreneurial opportunities in venture creation related to their career/technical program; and identifies

program; and assesses desirable entrepreneurial personality traits. The student can independently solve problems and is self-directed.

to their career/technical program; and examines desirable entrepreneurial personality traits. Application of knowledge and skills is thorough and effective and the student can work independently.

desirable entrepreneurial personality traits. Performance needs further development and supervision.