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Financial Literacy Core

College Planning Program

College Planning Program fulfills 21 out of the 55 skill sets of the Financial Literacy section of the Iowa Core Curriculum.

Skills covered in this program include:

Essential Concept 1 – Demonstrate financial responsibility and planning skills to achieve financial goals for a lifetime of financial health

  • 1.       Understand the concept of setting short-term and long-term goals
  • 2.       Evaluate the role short and long-term goals play in financial success. Assess the impact of goal setting on personal financial success
  • 3.       Describe the impact of goal setting on personal financial success
  • 4.       Explain the difference between needs and wants. Analyze their own needs and wants to determine importance
  • 5.       Develop plans to achieve their most important needs and wants
  • 6.       Explain how income affects lifestyle and spending choices

Essential Concept 2 – Manage money effectively by developing spending plans and selecting appropriate financial instruments to maintain positive cash flow.

  • 7.       Understand the concept of developing a spending plan that promotes living within one's means
  • 8.       Evaluate spending plans that promote maintaining a larger income than expenditures
  • 9.       Develop and assess impact of different spending plans to make informed choices
  • 10.   Explore individual decisions made as a consumer and distinguish between fact and opinion in advertising
  • 11.   Understand the distribution of resources
  • 12.   Analyze short and long-term benefits of different resource allocation opportunities

Essential Concept 3 – Make informed and responsible decisions about incurring and repaying debt to remain both creditworthy and financially secure

  • 13.   Compare loan terms and rates to determine best choice
  • 14.   Identify the impact of loans on a personal financial plan, such as auto, student, credit card, major purchases
  • 15.   Identify factors considered for qualifying for and securing a loan
  • 16.   Explain the potential consequences for not meeting the requirements of the agreement

Essential Concept 4 – Evaluate and identify appropriate risk management options, including types of insurance, non-insurance, and identity protection

  • 17.   Distinguish legitimate from fraudulent solicitations

Essential Concept 5 – Assess the value, features, and planning processes associated with savings, investing and asset building, and apply this knowledge to achieve long-term financial security with personal and entrepreneurial goals in a global market.

  • 18.   Assess the many factors that influence financial planning. Explain the importance of savings
  • 19.   Explain the impact of short and long-term financial goals for asset building
  • 20.   Outline the process of adjusting the financial plan to accommodate changes in funds
  • 21.   Explain the concept of wealth building

Essential Concept 6 - Understand human, cultural, and societal issues related to financial literacy, and practice legal and ethical behavior.

High School Success Program 

High School Success Program fulfills 16 out of the 55 skill sets of the Financial Literacy section of the Iowa Core Curriculum.

Skills covered in this program include:

Essential Concept 1 – Demonstrate financial responsibility and planning skills to achieve financial goals for a lifetime of financial health

  • 1.       Understand the concept of setting short-term and long-term goals
  • 2.       Evaluate the role short and long-term goals play in financial success. Assess the impact of goal setting on personal financial success
  • 3.       Describe the impact of goal setting on personal financial success
  • 4.       Explain the difference between needs and wants. Analyze their own needs and wants to determine importance
  • 5.       Develop plans to achieve their most important needs and wants

Essential Concept 2 – Manage money effectively by developing spending plans and selecting appropriate financial instruments to maintain positive cash flow.

  • 6.       Understand the concept of developing a spending plan that promotes living within one's means
  • 7.       Evaluate spending plans that promote maintaining a larger income than expenditures
  • 8.       Develop and assess impact of different spending plans to make informed choices
  • 9.       Explore individual decisions made as a consumer and distinguish between fact and opinion in advertising
  • 10.   Understand the distribution of resources
  • 11.   Analyze short and long-term benefits of different resource allocation opportunities

Essential Concept 3 – Make informed and responsible decisions about incurring and repaying debt to remain both creditworthy and financially secure

Essential Concept 4 – Evaluate and identify appropriate risk management options, including types of insurance, non-insurance, and identity protection

Essential Concept 5 – Assess the value, features, and planning processes associated with savings, investing and asset building, and apply this knowledge to achieve long-term financial security with personal and entrepreneurial goals in a global market.

  • 12.   Assess the many factors that influence financial planning. Explain the importance of savings
  • 13.   Explain the impact of short and long-term financial goals for asset building
  • 14.   Outline the process of adjusting the financial plan to accommodate changes in funds
  • 15.   Describe the importance of adjusting goals over a lifetime as well as preparing for retirement and estate planning
  • 16.   Explain the concept of wealth building

Essential Concept 6 - Understand human, cultural, and societal issues related to financial literacy, and practice legal and ethical behavior.

How to Succeed in College Program

How to Succeed in College Program fulfills 31 out of the 55 skill sets of the Financial Literacy section of the Iowa Core Curriculum.

Skills covered in this program include:

Essential Concept 1 – Demonstrate financial responsibility and planning skills to achieve financial goals for a lifetime of financial health

  • 1.       Understand the concept of setting short-term and long-term goals
  • 2.       Evaluate the role short and long-term goals play in financial success. Assess the impact of goal setting on personal financial success
  • 3.       Describe the impact of goal setting on personal financial success
  • 4.       Explain the difference between needs and wants. Analyze their own needs and wants to determine importance
  • 5.       Develop plans to achieve their most important needs and wants
  • 6.       Explain how income affects lifestyle and spending choices

Essential Concept 2 – Manage money effectively by developing spending plans and selecting appropriate financial instruments to maintain positive cash flow.

  • 7.       Understand the concept of developing a spending plan that promotes living within one's means
  • 8.       Evaluate spending plans that promote maintaining a larger income than expenditures
  • 9.       Develop and assess impact of different spending plans to make informed choices
  • 10.   Describe the impact of global issues on financial planning
  • 11.   Explore individual decisions made as a consumer and distinguish between fact and opinion in advertising
  • 12.   Understand the responsibility of maintaining accounts using financial statements
  • 13.   Demonstrate the ability to reconcile personal records
  • 14.   Identify options for online financial transactions
  • 15.   Understand the distribution of resources
  • 16.   Create a personal spending plan

Essential Concept 3 – Make informed and responsible decisions about incurring and repaying debt to remain both creditworthy and financially secure

  • 17.   Compare and contrast offers of credit card, instant loan and introductory offers
  • 18.   Explain credit card features including annual fees, interest rates and incentives
  • 19.   Understand implications of making minimum payments, late payments and late fees
  • 20.   Compare loan terms and rates to determine best choice
  • 21.   Identify the impact of loans on a personal financial plan, such as auto, student, credit card, major purchases
  • 22.   Identify factors considered for qualifying for and securing a loan

Concept 4 – Evaluate and identify appropriate risk management options, including types of insurance, non-insurance, and identity protection

  • 23.   Describe the importance of protecting their identity
  • 24.   Understand the impact of technology on personal security
  • 25.   Explain ways to protect their identity

Essential Concept 5 – Assess the value, features, and planning processes associated with savings, investing and asset building, and apply this knowledge to achieve long-term financial security with personal and entrepreneurial goals in a global market.

  • 26.   Assess the many factors that influence financial planning. Explain the importance of savings
  • 27.   Explain the impact of short and long-term financial goals for asset building
  • 28.   Outline the process of adjusting the financial plan to accommodate changes in funds
  • 29.   Describe the importance of adjusting goals over a lifetime as well as preparing for retirement and estate planning.
  • 30.   Explain the concept of wealth building

Essential Concept 6 - Understand human, cultural, and societal issues related to financial literacy, and practice legal and ethical behavior.

Financial Literacy Series: Life Store Program

Financial Literacy Series: Life Store Program fulfills 44 out of the 55 skill sets of the Financial Literacy section of the Iowa Core Curriculum.

Skills covered in this program include:

Essential Concept 1 – Demonstrate financial responsibility and planning skills to achieve financial goals for a lifetime of financial health

  • 1.       Understand the concept of setting short-term and long-term goals
  • 2.       Evaluate the role short and long-term goals play in financial success. Assess the impact of goal setting on personal financial success
  • 3.       Describe the impact of goal setting on personal financial success
  • 4.       Explain the difference between needs and wants. Analyze their own needs and wants to determine importance
  • 5.       Develop plans to achieve their most important needs and wants
  • 6.       Explain how income affects lifestyle and spending choices

Essential Concept 2 – Manage money effectively by developing spending plans and selecting appropriate financial instruments to maintain positive cash flow.

  • 7.       Understand the concept of developing a spending plan that promotes living within one's means
  • 8.       Evaluate spending plans that promote maintaining a larger income than expenditures
  • 9.       Develop and assess impact of different spending plans to make informed choices
  • 10.   Identify various types of income
  • 11.   Compare various compensation options to determine which best fits individual needs
  • 12.   Explore individual decisions made as a consumer and distinguish between fact and opinion in advertising
  • 13.   Understand the responsibility of maintaining accounts using financial statements
  • 14.   Demonstrate the ability to reconcile personal records
  • 15.   Identify options for online financial transactions
  • 16.   Understand the distribution of resources
  • 17.   Identify options for distributing resources
  • 18.   Analyze short and long-term benefits of different resource allocation opportunities
  • 19.   Create a personal spending plan

Essential Concept 3 – Make informed and responsible decisions about incurring and repaying debt to remain both creditworthy and financially secure

  • 20.   Compare and contrast offers of credit card, instant loan and introductory offers
  • 21.   Explain credit card features including annual fees, interest rates and incentives
  • 22.   Understand implications of making minimum payments, late payments and late fees
  • 23.   Understand the types of debt consumers encounter
  • 24.   Compare loan terms and rates to determine best choice
  • 25.   Identify the impact of loans on a personal financial plan, such as auto, student, credit card, major purchases
  • 26.   Identify factors considered for qualifying for and securing a loan
  • 27.   Understand the meaning of a credit score and how it is used to negotiate better loan options. Identify steps in checking their own credit scores and making corrections if needed.
  • 28.   Explain the potential consequences for not meeting the requirements of the agreement
  • 29.   Explain an individual’s rights and responsibilities under consumer protection laws

Concept 4 – Evaluate and identify appropriate risk management options, including types of insurance, non-insurance, and identity protection

  • 30.   Describe the importance of protecting their identity
  • 31.   Distinguish legitimate from fraudulent solicitations
  • 32.   Understand the impact of technology on personal security
  • 33.   Explain ways to protect their identity
  • 34.   Explain different types of insurance and identify the appropriate need for each
  • 35.   Explain importance of legal and written documentation to protect individuals
  • 36.   Identify types of documentation used by individuals to prevent personal and financial loss. Analyze the types of protection available and their appropriate use

Essential Concept 5 – Assess the value, features, and planning processes associated with savings, investing and asset building, and apply this knowledge to achieve long-term financial security with personal and entrepreneurial goals in a global market.

  • 37.   Assess the many factors that influence financial planning. Explain the importance of savings
  • 38.   Explain the impact of short and long-term financial goals for asset building
  • 39.   Outline the process of adjusting the financial plan to accommodate changes in funds
  • 40.   Describe the importance of adjusting goals over a lifetime as well as preparing for retirement and estate planning.
  • 41.   Distinguish between the various types of investment options
  • 42.   Identify the level of risk involved with investment options
  • 43.   Explain the concept of wealth building

Essential Concept 6 - Understand human, cultural, and societal issues related to financial literacy, and practice legal and ethical behavior.

Financial Literacy Series: Credit & Money Management Program

Financial Literacy Series: Credit & Money Management Program fulfills 36 out of the 55 skill sets of the Financial Literacy section of the Iowa Core Curriculum.

Skills covered in this program include:

Essential Concept 1 – Demonstrate financial responsibility and planning skills to achieve financial goals for a lifetime of financial health

  • 1.       Understand the concept of setting short-term and long-term goals
  • 2.       Evaluate the role short and long-term goals play in financial success. Assess the impact of goal setting on personal financial success
  • 3.       Describe the impact of goal setting on personal financial success
  • 4.       Explain the difference between needs and wants. Analyze their own needs and wants to determine importance
  • 5.       Develop plans to achieve their most important needs and wants
  • 6.       Explain how income affects lifestyle and spending choices

Essential Concept 2 – Manage money effectively by developing spending plans and selecting appropriate financial instruments to maintain positive cash flow.

  • 7.       Understand the concept of developing a spending plan that promotes living within one's means
  • 8.       Evaluate spending plans that promote maintaining a larger income than expenditures
  • 9.       Develop and assess impact of different spending plans to make informed choices
  • 10.   Compare various compensation options to determine which best fits individual needs
  • 11.   Explore individual decisions made as a consumer and distinguish between fact and opinion in advertising
  • 12.   Understand the responsibility of maintaining accounts using financial statements
  • 13.   Demonstrate the ability to reconcile personal records
  • 14.   Differentiate between interest-bearing and noninterest-bearing accounts
  • 15.   Identify options for online financial transactions
  • 16.   Understand the distribution of resources
  • 17.   Analyze short and long-term benefits of different resource allocation opportunities
  • 18.   Create a personal spending plan

Essential Concept 3 – Make informed and responsible decisions about incurring and repaying debt to remain both creditworthy and financially secure

  • 19.   Compare and contrast offers of credit card, instant loan and introductory offers
  • 20.   Explain credit card features including annual fees, interest rates and incentives
  • 21.   Understand implications of making minimum payments, late payments and late fees
  • 22.   Compare loan terms and rates to determine best choice
  • 23.   Identify the impact of loans on a personal financial plan, such as auto, student, credit card, major purchases
  • 24.   Identify factors considered for qualifying for and securing a loan
  • 25.   Understand the meaning of a credit score and how it is used to negotiate better loan options. Identify steps in checking their own credit scores and making corrections if needed.
  • 26.   Explain the potential consequences for not meeting the requirements of the agreement
  • 27.   Explain an individual’s rights and responsibilities under consumer protection laws

Essential Concept 4 – Evaluate and identify appropriate risk management options, including types of insurance, non-insurance, and identity protection

  • 28.   Describe the importance of protecting their identity
  • 29.   Distinguish legitimate from fraudulent solicitations
  • 30.   Understand the impact of technology on personal security
  • 31.   Explain ways to protect their identity

Essential Concept 5 – Assess the value, features, and planning processes associated with savings, investing and asset building, and apply this knowledge to achieve long-term financial security with personal and entrepreneurial goals in a global market.

  • 32.   Assess the many factors that influence financial planning. Explain the importance of savings
  • 33.   Explain the impact of short and long-term financial goals for asset building
  • 34.   Outline the process of adjusting the financial plan to accommodate changes in funds
  • 35.   Describe the importance of adjusting goals over a lifetime as well as preparing for retirement and estate planning.
  • 36.   Explain the concept of wealth building

Essential Concept 6 - Understand human, cultural, and societal issues related to financial literacy, and practice legal and ethical behavior.

Financial Aid Program

Financial Aid Program fulfills 24 out of the 55 skill sets of the Financial Literacy section of the Iowa Core Curriculum.

Skills covered in this program include:

Essential Concept 1 – Demonstrate financial responsibility and planning skills to achieve financial goals for a lifetime of financial health

  • 1.       Understand the concept of setting short-term and long-term goals
  • 2.       Evaluate the role short and long-term goals play in financial success. Assess the impact of goal setting on personal financial success
  • 3.       Describe the impact of goal setting on personal financial success
  • 4.       Explain the difference between needs and wants. Analyze their own needs and wants to determine importance
  • 5.       Develop plans to achieve their most important needs and wants
  • 6.       Explain how income affects lifestyle and spending choices

Essential Concept 2 – Manage money effectively by developing spending plans and selecting appropriate financial instruments to maintain positive cash flow.

  • 7.       Understand the concept of developing a spending plan that promotes living within one's means
  • 8.       Evaluate spending plans that promote maintaining a larger income than expenditures
  • 9.       Develop and assess impact of different spending plans to make informed choices
  • 10.   Explore individual decisions made as a consumer and distinguish between fact and opinion in advertising
  • 11.   Understand the distribution of resources
  • 12.   Analyze short and long-term benefits of different resource allocation opportunities

Essential Concept 3 – Make informed and responsible decisions about incurring and repaying debt to remain both creditworthy and financially secure

  • 13.   Understand the types of debt consumers encounter
  • 14.   Compare loan terms and rates to determine best choice
  • 15.   Identify the impact of loans on a personal financial plan, such as auto, student, credit card, major purchases
  • 16.   Identify factors considered for qualifying for and securing a loan
  • 17.   Explain the potential consequences for not meeting the requirements of the agreement

Essential Concept 4 – Evaluate and identify appropriate risk management options, including types of insurance, non-insurance, and identity protection

  • 18.   Distinguish legitimate from fraudulent solicitations
  • 19.   Identify important identification numbers and explain when they should or should not be shared

Essential Concept 5 – Assess the value, features, and planning processes associated with savings, investing and asset building, and apply this knowledge to achieve long-term financial security with personal and entrepreneurial goals in a global market.

  • 20.   Assess the many factors that influence financial planning. Explain the importance of savings
  • 21.   Explain the impact of short and long-term financial goals for asset building
  • 22.   Outline the process of adjusting the financial plan to accommodate changes in funds
  • 23.   Distinguish between the various types of investment options

Essential Concept 6 - Understand human, cultural, and societal issues related to financial literacy, and practice legal and ethical behavior.

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