Career Ready Practices

Career Ready Practices

Career Ready Practices describe the career-ready skills that all educators in all content areas should seek to

develop in their students. They are practices that have been linked to increase college, career, and life success.

Career Ready Practices should be taught and reinforced in all career exploration and preparation programs

with increasingly higher levels of complexity and expectation as a student advances through a program of

study.

CRP1. Act as a responsible and contributing citizen and employee.

CRP2. Apply appropriate academic and technical skills.

CRP3. Attend to personal health and financial well-being.

CRP4. Communicate clearly and effectively and with reason.

CRP5. Consider the environmental, social and economic impacts of decisions.

CRP6. Demonstrate creativity and innovation.

CRP7. Employ valid and reliable research strategies.

CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.

CRP9. Model integrity, ethical leadership and effective management.

CRP10. Plan education and career paths aligned to personal goals.

CRP11. Use technology to enhance productivity.

CRP12. Work productively in teams while using cultural global competence.

CRP1. Act as a responsible and contributing citizen and employee

Career-ready individuals understand the obligations and responsibilities of being a member of a community,

and they demonstrate this understanding every day through their interactions with others. They are

conscientious of the impacts of their decisions on others and the environment around them. They think about

the near-term and long-term consequences of their actions and seek to act in ways that contribute to the

betterment of their teams, families, community and workplace. They are reliable and consistent in going

beyond the minimum expectation and in participating in activities that serve the greater good.

CRP2. Apply appropriate academic and technical skills.

Career-ready individuals readily access and use the knowledge and skills acquired through experience and

education to be more productive. They make connections between abstract concepts with real-world

applications, and they make correct insights about when it is appropriate to apply the use of an academic skill

in a workplace situation

CRP3. Attend to personal health and financial well-being.

Career-ready individuals understand the relationship between personal health, workplace performance and

personal well-being; they act on that understanding to regularly practice healthy diet, exercise and mental

health activities. Career-ready individuals also take regular action to contribute to their personal financial

well-being, understanding that personal financial security provides the peace of mind required to contribute more

fully to their own career success.

CRP4. Communicate clearly and effectively and with reason.

Career-ready individuals communicate thoughts, ideas, and action plans with clarity, whether using written,

verbal, and/or visual methods. They communicate in the workplace with clarity and purpose to make

maximum use of their own and others’ time. They are excellent writers; they master conventions, word

choice, and organization, and use effective tone and presentation skills to articulate ideas. They are skilled at

interacting with others; they are active listeners and speak clearly and with purpose. Career-ready individuals

think about the audience for their communication and prepare accordingly to ensure the desired outcome.

CRP5. Consider the environmental, social and economic impacts of decisions.

Career-ready individuals understand the interrelated nature of their actions and regularly make decisions that

positively impact and/or mitigate negative impact on other people, organization, and the environment. They

are aware of and utilize new technologies, understandings, procedures, materials, and regulations affecting

the nature of their work as it relates to the impact on the social condition, the environment and the

profitability of the organization.

CRP6. Demonstrate creativity and innovation.

Career-ready individuals regularly think of ideas that solve problems in new and different ways, and they

contribute those ideas in a useful and productive manner to improve their organization. They can consider

unconventional ideas and suggestions as solutions to issues, tasks or problems, and they discern which ideas

and suggestions will add greatest value. They seek new methods, practices, and ideas from a variety of sources

and seek to apply those ideas to their own workplace. They take action on their ideas and understand how to

bring innovation to an organization.

CRP7. Employ valid and reliable research strategies.

Career-ready individuals are discerning in accepting and using new information to make decisions, change

practices or inform strategies. They use reliable research process to search for new information. They evaluate

the validity of sources when considering the use and adoption of external information or practices in their

workplace situation.

CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.

Career-ready individuals readily recognize problems in the workplace, understand the nature of the problem,

and devise effective plans to solve the problem. They are aware of problems when they occur and take action

quickly to address the problem; they thoughtfully investigate the root cause of the problem prior to

introducing solutions. They carefully consider the options to solve the problem. Once a solution is agreed

upon, they follow through to ensure the problem is solved, whether through their own actions or the actions

of others.

CRP9. Model integrity, ethical leadership and effective management.

Career-ready individuals consistently act in ways that align personal and community-held ideals and principles

while employing strategies to positively influence others in the workplace. They have a clear understanding of

integrity and act on this understanding in every decision. They use a variety of means to positively impact the

directions and actions of a team or organization, and they apply insights into human behavior to change

others’ action, attitudes and/or beliefs. They recognize the near-term and long-term effects that

management’s actions and attitudes can have on productivity, morals and organizational culture.

CRP10. Plan education and career paths aligned to personal goals.

Career-ready individuals take personal ownership of their own education and career goals, and they regularly

act on a plan to attain these goals. They understand their own career interests, preferences, goals, and

requirements. They have perspective regarding the pathways available to them and the time, effort,

experience and other requirements to pursue each, including a path of entrepreneurship. They recognize the

value of each step in the education and experiential process, and they recognize that nearly all career paths

require ongoing education and experience. They seek counselors, mentors, and other experts to assist in the

planning and execution of career and personal goals.

CRP11. Use technology to enhance productivity.

Career-ready individuals find and maximize the productive value of existing and new technology to accomplish

workplace tasks and solve workplace problems. They are flexible and adaptive in acquiring new technology.

They are proficient with ubiquitous technology applications. They understand the inherent risks-personal and

organizational-of technology applications, and they take actions to prevent or mitigate these risks.

CRP12. Work productively in teams while using cultural global competence.

Career-ready individuals positively contribute to every team, whether formal or informal. They apply an

awareness of cultural difference to avoid barriers to productive and positive interaction. They find ways to

increase the engagement and contribution of all team members. They plan and facilitate effective team

meetings.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA:

21

CENTURY LIFE AND CAREERS

STRAND A:

INCOME AND CAREERS

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students will be able to:

9.1.4.A.1

Explain the difference between a career and a job, and identify various jobs in the

_{community and the related earnings.}

9.1.4.A.2

Identify potential sources of income.

9.1.4.A.3

Explain how income affects spending and take-home pay.

By the end of Grade 8, students will be able to:

9.1.8.A.1

Explain the meaning and purposes of taxes and tax deductions and why fees for various

_{benefits (e.g., medical benefits) are taken out of pay.}

9.1.8.A.2

Relate how career choices, education choices, skills, entrepreneurship, and economic

_{conditions affect income.}

9.1.8.A.3

Differentiate among ways that workers can improve earning power through the acquisition

_{of new knowledge and skills.}

9.1.8.A.4

Relate earning power to quality of life across cultures.

9.1.8.A.5

Relate how the demand for certain skills determines an individual’s earning power.

9.1.8.A.6

Explain how income affects spending decisions.

9.1.8.A.7

Explain the purpose of the payroll deduction process, taxable income, and employee

_benefits.

By the end of Grade 12, students will be able to:

9.1.12.A.1

Differentiate among the types of taxes and employee benefits.

9.1.12.A.2

Differentiate between taxable and nontaxable income.

9.1.12.A.3

Analyze the relationship between various careers and personal earning goals.

9.1.12.A.4

Identify a career goal and develop a plan and timetable for achieving it, including

_{educational/training requirements, costs, and possible debt.}

9.1.12.A.5

Analyze how the economic, social, and political conditions of a time period can affect the

_{labor market.}

9.1.12.A.6

Summarize the financial risks and benefits of entrepreneurship as a career choice.

9.1.12.A.7

Analyze and critique various sources of income and available resources (e.g., financial

_{assets, property, and transfer payments) and how they may substitute for earned income.}

9.1.12.A.8

Analyze different forms of currency and how currency is used to exchange goods and

_services.

9.1.12.A.9

Analyze how personal and cultural values impact spending and other financial decisions.

Career Ready Practices

Career Ready Practices describe the career-ready skills that all educators in all content areas should seek to

develop in their students. They are practices that have been linked to increase college, career, and life success.

Career Ready Practices should be taught and reinforced in all career exploration and preparation programs

with increasingly higher levels of complexity and expectation as a student advances through a program of

study.

CRP1. Act as a responsible and contributing citizen and employee.

CRP2. Apply appropriate academic and technical skills.

CRP3. Attend to personal health and financial well-being.

CRP4. Communicate clearly and effectively and with reason.

CRP5. Consider the environmental, social and economic impacts of decisions.

CRP6. Demonstrate creativity and innovation.

CRP7. Employ valid and reliable research strategies.

CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.

CRP9. Model integrity, ethical leadership and effective management.

CRP10. Plan education and career paths aligned to personal goals.

CRP11. Use technology to enhance productivity.

CRP12. Work productively in teams while using cultural global competence.

CRP1. Act as a responsible and contributing citizen and employee

Career-ready individuals understand the obligations and responsibilities of being a member of a community,

and they demonstrate this understanding every day through their interactions with others. They are

conscientious of the impacts of their decisions on others and the environment around them. They think about

the near-term and long-term consequences of their actions and seek to act in ways that contribute to the

betterment of their teams, families, community and workplace. They are reliable and consistent in going

beyond the minimum expectation and in participating in activities that serve the greater good.

CRP2. Apply appropriate academic and technical skills.

Career-ready individuals readily access and use the knowledge and skills acquired through experience and

education to be more productive. They make connections between abstract concepts with real-world

applications, and they make correct insights about when it is appropriate to apply the use of an academic skill

in a workplace situation

CRP3. Attend to personal health and financial well-being.

Career-ready individuals understand the relationship between personal health, workplace performance and

personal well-being; they act on that understanding to regularly practice healthy diet, exercise and mental

health activities. Career-ready individuals also take regular action to contribute to their personal financial

well-being, understanding that personal financial security provides the peace of mind required to contribute more

fully to their own career success.

CRP4. Communicate clearly and effectively and with reason.

Career-ready individuals communicate thoughts, ideas, and action plans with clarity, whether using written,

verbal, and/or visual methods. They communicate in the workplace with clarity and purpose to make

maximum use of their own and others’ time. They are excellent writers; they master conventions, word

choice, and organization, and use effective tone and presentation skills to articulate ideas. They are skilled at

interacting with others; they are active listeners and speak clearly and with purpose. Career-ready individuals

think about the audience for their communication and prepare accordingly to ensure the desired outcome.

CRP5. Consider the environmental, social and economic impacts of decisions.

Career-ready individuals understand the interrelated nature of their actions and regularly make decisions that

positively impact and/or mitigate negative impact on other people, organization, and the environment. They

are aware of and utilize new technologies, understandings, procedures, materials, and regulations affecting

the nature of their work as it relates to the impact on the social condition, the environment and the

profitability of the organization.

CRP6. Demonstrate creativity and innovation.

Career-ready individuals regularly think of ideas that solve problems in new and different ways, and they

contribute those ideas in a useful and productive manner to improve their organization. They can consider

unconventional ideas and suggestions as solutions to issues, tasks or problems, and they discern which ideas

and suggestions will add greatest value. They seek new methods, practices, and ideas from a variety of sources

and seek to apply those ideas to their own workplace. They take action on their ideas and understand how to

bring innovation to an organization.

CRP7. Employ valid and reliable research strategies.

Career-ready individuals are discerning in accepting and using new information to make decisions, change

practices or inform strategies. They use reliable research process to search for new information. They evaluate

the validity of sources when considering the use and adoption of external information or practices in their

workplace situation.

CRP8. Utilize critical thinking to make sense of problems and persevere in solving them.

Career-ready individuals readily recognize problems in the workplace, understand the nature of the problem,

and devise effective plans to solve the problem. They are aware of problems when they occur and take action

quickly to address the problem; they thoughtfully investigate the root cause of the problem prior to

introducing solutions. They carefully consider the options to solve the problem. Once a solution is agreed

upon, they follow through to ensure the problem is solved, whether through their own actions or the actions

of others.

CRP9. Model integrity, ethical leadership and effective management.

Career-ready individuals consistently act in ways that align personal and community-held ideals and principles

while employing strategies to positively influence others in the workplace. They have a clear understanding of

integrity and act on this understanding in every decision. They use a variety of means to positively impact the

directions and actions of a team or organization, and they apply insights into human behavior to change

others’ action, attitudes and/or beliefs. They recognize the near-term and long-term effects that

management’s actions and attitudes can have on productivity, morals and organizational culture.

CRP10. Plan education and career paths aligned to personal goals.

Career-ready individuals take personal ownership of their own education and career goals, and they regularly

act on a plan to attain these goals. They understand their own career interests, preferences, goals, and

requirements. They have perspective regarding the pathways available to them and the time, effort,

experience and other requirements to pursue each, including a path of entrepreneurship. They recognize the

value of each step in the education and experiential process, and they recognize that nearly all career paths

require ongoing education and experience. They seek counselors, mentors, and other experts to assist in the

planning and execution of career and personal goals.

CRP11. Use technology to enhance productivity.

Career-ready individuals find and maximize the productive value of existing and new technology to accomplish

workplace tasks and solve workplace problems. They are flexible and adaptive in acquiring new technology.

They are proficient with ubiquitous technology applications. They understand the inherent risks-personal and

organizational-of technology applications, and they take actions to prevent or mitigate these risks.

CRP12. Work productively in teams while using cultural global competence.

Career-ready individuals positively contribute to every team, whether formal or informal. They apply an

awareness of cultural difference to avoid barriers to productive and positive interaction. They find ways to

increase the engagement and contribution of all team members. They plan and facilitate effective team

meetings.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA:

21

CENTURY LIFE AND CAREERS

STRAND A:

INCOME AND CAREERS

NUMBER

STANDARD STATEMENT

9.1.12.A.10

Demonstrate how exemptions and deductions can reduce taxable income.

9.1.12.A.11

Explain the relationship between government programs and services and taxation.

9.1.12.A.12

Explain how compulsory government programs (e.g., Social Security, Medicare) provide

_{insurance against some loss of income and benefits to eligible recipients.}

9.1.12.A.13

Analyze the impact of the collective bargaining process on benefits, income, and fair labor

_practice.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA:

21

CENTURY LIFE AND CAREERS

STRAND B:

MONEY MANAGEMENT

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students will be able to:

9.1.4.B.1

Differentiate between financial wants and needs.

9.1.4.B.2

Identify age-appropriate financial goals.

9.1.4.B.3

Explain what a budget is and why it is important.

9.1.4.B.4

Identify common household expense categories and sources of income.

9.1.4.B.5

Identify ways to earn and save.

By the end of Grade 8, students will be able to:

9.1.8.B.1

Distinguish among cash, check, credit card, and debit card.

9.1.8.B.2

Construct a simple personal savings and spending plan based on various sources of income.

9.1.8.B.3

Justify the concept of “paying yourself first” as a financial savings strategy.

9.1.8.B.4

Relate the concept of deferred gratification to [investment,] meeting financial goals, and

_{building wealth.}

9.1.8.B.5

Explain the effect of the economy on personal income, individual and family security, and

_{consumer decisions.}

9.1.8.B.6

Evaluate the relationship of cultural traditions and historical influences on financial

_practice.

9.1.8.B.7

Construct a budget to save for long-term, short-term, and charitable goals.

9.1.8.B.8

Develop a system for keeping and using financial records.

9.1.8.B.9

Determine the most appropriate use of various financial products and services (e.g., ATM,

_{debit cards, credit cards, check books).}

9.1.8.B.10

Justify safeguarding personal information when using credit cards, banking electronically,

_{or filing forms.}

9.1.8.B.11

Evaluate the appropriate financial institutions to assist with meeting various personal

_{financial needs and goals.}

By the end of Grade 12, students will be able to:

9.1.12.B.1

Prioritize financial decisions by systematically considering alternatives and possible

_{consequences.}

9.1.12.B.2

Compare strategies for saving and investing and the factors that influence how much

_{should be saved or invested to meet financial goals.}

9.1.12.B.3

Construct a plan to accumulate emergency “rainy day” funds.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA:

21

CENTURY LIFE AND CAREERS

STRAND B:

MONEY MANAGEMENT

NUMBER

STANDARD STATEMENT

9.1.12.B.4

Analyze how income and spending plans are affected by age, needs, and resources.

9.1.12.B.5

Analyze how changes in taxes, inflation, and personal circumstances can affect a personal

_budget.

9.1.12.B.6

Design and utilize a simulated budget to monitor progress of financial plans.

9.1.12.B.7

Explain the meaning of income tax, describe how it is calculated, and analyze its impact on

_{one’s personal budget.}

9.1.12.B.8

Describe and calculate interest and fees that are applied to various forms of spending, debt,

_{and saving.}

9.1.12.B.9

Research the types and characteristics of various financial organizations in the community

_{(e.g., banks, credit unions, check-cashing stores, et. al.).}

9.1.12.B.10

Develop a plan that uses the services of various financial institutions to meet personal and

_{family financial goals.}

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA: 21

CENTURY LIFE AND CAREERS

STRAND C:

CREDIT AND DEBT MANAGEMENT

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students will be able to:

9.1.4.C.1

Explain why people borrow money and the relationship between credit and debt.

9.1.4.C.2

Identify common sources of credit (e.g., banks, credit card companies) and types of credit

_{(e.g., loans, credit cards, mortgages).}

9.1.4.C.3

Compare and contrast credit cards and debit cards and the advantages and disadvantages of

_{using each.}

Determine the relationships among income, expenses, and interest.

9.1.4.C.5

Determine personal responsibility related to borrowing and lending.

9.1.4.C.6

Summarize ways to avoid credit problems.

By the end of Grade 8, students will be able to:

9.1.8.C.1

Compare and contrast credit cards and debit cards and the advantages and disadvantages of

_{using each.}

Compare and contrast the financial products and services offered by different types of

_{financial institutions.}

9.1.8.C.3

Compare and contrast debt and credit management strategies.

9.1.8.C.4

Demonstrate an understanding of the terminology associated with different types of credit

(e.g., credit cards, installment loans, mortgages) and compare the interest rates associated

with each.

9.1.8.C.5

Calculate the cost of borrowing various amounts of money using different types of credit

_{(e.g., credit cards, installment loans, mortgages).}

Determine ways to leverage debt beneficially.

9.1.8.C.7

Determine potential consequences of using “easy access” credit (e.g., using a line of credit

_{vs. obtaining a loan for a specific purpose).}

9.1.8.C.8

Explain the purpose of a credit score and credit record, and summarize borrowers’ credit

report rights.

9.1.8.C.9

Summarize the causes and consequences of personal bankruptcy.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA: 21

CENTURY LIFE AND CAREERS

STRAND C:

CREDIT AND DEBT MANAGEMENT

NUMBER

STANDARD STATEMENT

By the end of Grade 12, students will be able to:

9.1.12.C.1

Compare and contrast the financial benefits of different products and services offered by a

_{variety of financial institutions.}

Compare and compute interest and compound interest and develop an amortization table

_{using business tools.}

Compute and assess the accumulating effect of interest paid over time when using a variety

of sources of credit.

9.1.12.C.4

Compare and contrast the advantages and disadvantages of various types of mortgages.

9.1.12.C.5

Analyze the information contained in a credit report and explain the importance of disputing

_{inaccurate entries.}

Explain how predictive modeling determines “credit scores.”

9.1.12.C.7

Analyze the rights and responsibilities of buyers and sellers under consumer protection laws.

9.1.12.C.8

Identify the types and characteristics of predatory lending practices (e.g., payday loans, car

_{title loans, high-risk mortgages).}

Evaluate the implications of personal and corporate bankruptcy for self and others.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA:

21

CENTURY LIFE AND CAREERS

STRAND D:

PLANNING, SAVING, AND INVESTING

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students will be able to:

9.1.4.D.1

Determine various ways to save.

9.1.4.D.2

Explain what it means to “invest.”

9.1.4.D.3

Distinguish between saving and investing.

By the end of Grade 8, students will be able to:

9.1.8.D.1

Determine how saving contributes to financial well-being.

9.1.8.D.2

Differentiate among various savings tools and how to use them most effectively.

9.1.8.D.3

Differentiate among various investment options.

9.1.8.D.4

Distinguish between income and investment growth.

9.1.8.D.5

Explain the economic principle of supply and demand.

By the end of Grade 12, students will be able to:

9.1.12.D.1

Calculate short- and long-term returns on various investments (e.g., stocks, bonds, mutual

_{funds, IRAs, deferred pension plans, and so on).}

9.1.12.D.2

Assess the impact of inflation on economic decisions and lifestyles.

9.1.12.D.3

Summarize how investing builds wealth and assists in meeting long- and short-term

_{financial goals.}

9.1.12.D.4

Assess factors that influence financial planning.

9.1.12.D.5

Justify the use of savings and investment options to meet targeted goals.

9.1.12.D.6

Analyze processes and vehicles for buying and selling investments.

9.1.12.D.7

Explain the risk, return, and liquidity of various savings and investment alternatives.

9.1.12.D.8

Explain how government and independent financial services and products are used to

_{achieve personal financial goals.}

9.1.12.D.9

Relate savings and investment results to achievement of financial goals.

9.1.12.D.10

Differentiate among various investment products and savings vehicles and how to use them

_{most effectively.}

9.1.12.D.11

Assess the role of revenue-generating assets as mechanisms for accruing and managing

_wealth.

9.1.12.D.12

Compare and contrast the past and present role of government in the financial industry and

_{in the regulation of financial markets.}

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA:

21

CENTURY LIFE AND CAREERS

STRAND D:

PLANNING, SAVING, AND INVESTING

NUMBER

STANDARD STATEMENT

9.1.12.D.13

Determine the impact of various market events on stock market prices and on other savings

_{and investments.}

9.1.12.D.14

Evaluate how taxes affect the rate of return on savings and investments.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA: 21

CENTURY LIFE AND CAREERS

STRAND E:

BECOMING A CRITICAL CONSUMER

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students will be able to:

9.1.4.E.1

Determine factors that influence consumer decisions related to money.

9.1.4.E.2

Apply comparison shopping skills to purchasing decisions.

By the end of Grade 8, students will be able to:

9.1.8.E.1

Explain what it means to be a responsible consumer and the factors to consider when

_{making consumer decisions.}

9.1.8.E.2

Identify personal information that should not be disclosed to others and the possible

_{consequences of doing or not doing so.}

9.1.8.E.3

Compare and contrast product facts versus advertising claims.

9.1.8.E.4

Prioritize personal wants and needs when making purchases.

9.1.8.E.5

Analyze interest rates and fees associated with financial services, credit cards, debit cards,

_{and gift cards.}

9.1.8.E.6

Compare the value of goods or services from different sellers when purchasing large

_{quantities and small quantities.}

9.1.8.E.7

Evaluate how fraudulent activities impact consumers, and justify the creation of consumer

_{protection laws.}

9.1.8.E.8

Recognize the techniques and effects of deceptive advertising.

By the end of Grade 12, students will be able to:

9.1.12.E.1

Evaluate the appropriateness of different types of monetary transactions (e.g., electronic

_{transfer, check, certified check, money order, gift card, barter) for various situations.}

9.1.12.E.2

Analyze and apply multiple sources of financial information when prioritizing financial

_decisions.

9.1.12.E.3

Determine how objective, accurate, and current financial information affects the

_{prioritization of financial decisions.}

9.1.12.E.4

Evaluate how media, bias, purpose, and validity affect the prioritization of consumer

_{decisions and spending.}

9.1.12.E.5

Evaluate business practices and their impact on individuals, families, and societies.

9.1.12.E.6

Evaluate written and verbal contracts for essential components and for obligations of the

_{lender and borrower.}

9.1.12.E.7

Apply specific consumer protection laws to the issues they address.

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA: 21

CENTURY LIFE AND CAREERS

STRAND E:

BECOMING A CRITICAL CONSUMER

NUMBER

STANDARD STATEMENT

9.1.12.E.9

Determine when credit counseling is necessary and evaluate the resources available to

_{assist consumers who wish to use it.}

9.1.12.E.10

Determine reasons for the increase of identity theft worldwide and evaluate the extent to

_{which victims of identity theft are successful in fully restoring their personal identities.}

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA: 21

_{CENTURY LIFE AND CAREERS}

STRAND F:

CIVIC FINANCIAL RESPONSIBILITY

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students will be able to:

9.1.4.F.1

Demonstrate an understanding of individual financial obligations and community financial

_obligations.

9.1.4.F.2

Explain the roles of philanthropy, volunteer service, and charitable contributions, and

_{analyze their impact on community development and quality of living.}

By the end of Grade 8, students will be able to:

9.1.8.F.1

Explain how the economic system of production and consumption may be a means to

_{achieve significant societal goals.}

9.1.8.F.2

Examine the implications of legal and ethical behaviors when making financial decisions.

9.1.8.F.3

Relate the impact of business, government, and consumer fiscal responsibility to the

_{economy and to personal finance.}

By the end of Grade 12, students will be able to:

9.1.12.F.1

Relate a country’s economic system of production and consumption to building personal

_{wealth and achieving societal responsibilities.}

9.1.12.F.2

Assess the impact of emerging global economic events on financial planning.

9.1.12.F.3

Analyze how citizen decisions and actions can influence the use of economic resources to

_{achieve societal goals and provide individual services.}

9.1.12.F.4

Summarize the purpose and importance of a will.

9.1.12.F.5

Compare and contrast the role of philanthropy, volunteer service, and charities in

_{community development and quality of life in a variety of cultures.}

9.1.12.F.6

Explain the concept and forms of taxation and justify the use of taxation to fund public

_{activities and initiatives.}

9.1 PERSONAL FINANCIAL LITERACY

CONTENT AREA: 21

CENTURY LIFE AND CAREERS

STRAND G:

INSURING AND PROTECTING

NUMBER

STANDARD STATEMENT

By the end of Grade 4, students should be able to:

9.1.4.G.1

Describe how valuable items might be damaged or lost and ways to protect them.

By the end of Grade 8, students will be able to:

9.1.8.G.1

Explain why it is important to develop plans for protecting current and future personal

_{assets against loss.}

9.1.8.G.2

Determine criteria for deciding the amount of insurance protection needed.

9.1.8.G.3

Analyze the need for and value of different types of insurance and the impact of deductibles.

9.1.8.G.4

Evaluate the need for different types of extended warranties.

By the end of Grade 12, students will be able to:

9.1.12.G.1

Analyze risks and benefits in various financial situations.

9.1.12.G.2

Differentiate between property and liability insurance protection.

9.1.12.G.3

Compare the cost of various types of insurance (e.g., life, homeowners, motor vehicle) for

_{the same product or service, given different liability limits and risk factors.}

9.1.12.G.4

Evaluate individual and family needs for insurance protection using opportunity-cost

_analysis.

9.1.12.G.5

Differentiate the costs and benefits of renter’s and homeowner’s insurance.

9.1.12.G.6

Explain how to self-insure and how to determine when self-insurance is appropriate.

9.1.12.G.7

Determine when and why it may be appropriate for the government to provide insurance

_{coverage, rather than private industry.}

9.2 CAREER AWARENESS, EXPLORATION, AND PREPARATION 

CONTENT AREA: 

21

CENTURY LIFE AND CAREERS 

STRAND A: 

CAREER AWARENESS 

NUMBER 

STANDARD STATEMENT 

By the end of Grade 4, students will be able to: 

9.2.4.A.1 

Identify reasons why people work, different types of work, and how work can help a person 

achieve personal and professional goals.  

9.2.4.A.2 

Identify various life roles and civic and work‐related activities in the school, home, and 

community. 

9.2.4.A.3 

Investigate both traditional and nontraditional careers and relate information to personal 

likes and dislikes. 

9.2.4.A.4 

Explain why knowledge and skills acquired in the elementary grades lay the foundation for 

future academic and career success.  

9.2 CAREER AWARENESS, EXPLORATION, AND PREPARATION 

CONTENT AREA: 

21

CENTURY LIFE AND CAREERS 

STRAND B: 

CAREER EXPLORATION 

NUMBER 

STANDARD STATEMENT 

By the end of Grade 8, students will be able to: 

9.2.8.B.1 

Research careers within the 16 Career Clusters

 and determine attributes of career success. 

9.2.8.B.2 

Develop a Personalized Student Learning Plan with the assistance of an adult mentor that 

includes information about career areas of interest, goals and an educational plan. 

9.2.8.B.3 

Evaluate communication, collaboration, and leadership skills that can be developed through 

school, home, work, and extracurricular activities for use in a career. 

9.2.8.B.4 

Evaluate how traditional and nontraditional careers have evolved regionally, nationally, and 

globally. 

9.2.8.B.5 

Analyze labor market trends using state and federal labor market information and other 

resources available online. 

9.2.8.B.6 

Demonstrate understanding of the necessary preparation and legal requirements to enter 

the workforce. 

9.2.8.B.7 

Evaluate the impact of online activities and social media on employer decisions. 

9.2 CAREER AWARENESS, EXPLORATION, AND PREPARATION

CONTENT AREA:  21

CENTURY LIFE AND CAREERS 

STRAND C: 

CAREER PREPARATION  

NUMBER 

STANDARD STATEMENT 

By the end of Grade 12, students will be able to: 

9.2.12.C.1 

Review career goals and determine steps necessary for attainment. 

9.2.12.C.2 

Modify Personalized Student Learning Plans to support declared career goals. 

9.2.12.C.3 

Identify transferable career skills and design alternate career plans. 

9.2.12.C.4 

Analyze how economic conditions and societal changes influence employment trends and 

future education. 

9.2.12.C.5 

Research career opportunities in the United States and abroad that require knowledge of 

world languages and diverse cultures. 

9.2.12.C.6 

Investigate entrepreneurship opportunities as options for career planning and identify the 

knowledge, skills, abilities, and resources required for owning and managing a business. 

9.2.12.C.7 

Examine the professional, legal, and ethical responsibilities for both employers and 

employees in the global workplace. 

9.2.12.C.8 

Assess the impact of litigation and court decisions on employment laws and practices. 

9.2.12.C.9 

Analyze the correlation between personal and financial behavior and employability. 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

1 |

P a g e

CONTENT AREA: 

21

Century Life and Careers 

AGRICULTURE, FOOD & NATURAL RESOURCES CAREER CLUSTER

Number 

Standard Statement 

CAREER CLUSTER

:

AGRICULTURE, FOOD & NATURAL RESOURCES (AG)

PATHWAY: 

AGRIBUSINESS SYSTEMS (AG‐BIZ) 

PATHWAY: 

ANIMAL SYSTEMS (AG‐ANI) 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

2 |

P a g e

CONTENT AREA: 

21

Century Life and Careers 

AGRICULTURE, FOOD & NATURAL RESOURCES CAREER CLUSTER

Number 

Standard Statement 

PATHWAY: 

ENVIRONMENTAL SERVICE SYSTEMS (AG‐ENV) 

PATHWAY: 

FOOD PRODUCTS & PROCESSING SYSTEMS (AG‐FD) 

PATHWAY: 

NATURAL RESOURCES SYSTEMS (AG‐NR)   

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

3 |

P a g e

CONTENT AREA: 

21

Century Life and Careers 

AGRICULTURE, FOOD & NATURAL RESOURCES CAREER CLUSTER

Number 

Standard Statement 

PATHWAY: 

PLANT SYSTEMS (AG‐PL) 

PATHWAY: 

POWER, STRUCTURAL & TECHNICAL SYSTEMS (AG‐PST) 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

4 |

P a g e

CONTENT AREA: 

STANDARD 9.3 CAREER AND TECHNICAL EDUCATION  

ARCHITECTURE & CONSTRUCTION CAREER CLUSTER

Number 

Standard statement 

CAREER CLUSTER

:   ARCHITECTURE & CONSTRUCTION (AC) 

PATHWAY: 

CONSTRUCTION (AC‐CST) 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

5 |

P a g e

CONTENT AREA: 

STANDARD 9.3 CAREER AND TECHNICAL EDUCATION  

ARCHITECTURE & CONSTRUCTION CAREER CLUSTER

Number 

Standard statement 

PATHWAY: 

DESIGN/PRE‐CONSTRUCTION (AC‐DES) 

PATHWAY: 

MAINTENANCE/OPERATIONS (AC‐MO) 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

6 |

P a g e

CONTENT AREA: 

STANDARD 9.3 CAREER AND TECHNICAL EDUCATION  

ARTS, A/V TECHNOLOGY & COMMUNICATIONS CAREER CLUSTER

Number 

Standard Statement 

CAREER CLUSTER

:  ARTS, A/V TECHNOLOGY & COMMUNICATIONS (AR) 

PATHWAY: 

A/V TECHNOLOGY & FILM (AR‐AV) 

PATHWAY: 

JOURNALISM & BROADCASTING (AR‐JB) 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

7 |

P a g e

CONTENT AREA: 

STANDARD 9.3 CAREER AND TECHNICAL EDUCATION  

ARTS, A/V TECHNOLOGY & COMMUNICATIONS CAREER CLUSTER

Number 

Standard Statement 

PATHWAY: 

PERFORMING ARTS (AR‐PRF) 

PATHWAY: 

PRINTING TECHNOLOGY (AR‐PRT) 

PATHWAY: 

TELECOMMUNICATIONS (AR‐TEL) 

PATHWAY: 

VISUAL ARTS (AR‐VIS) 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

8 |

P a g e

CONTENT AREA: 

STANDARD 9.3 CAREER AND TECHNICAL EDUCATION  

ARTS, A/V TECHNOLOGY & COMMUNICATIONS CAREER CLUSTER

Number 

Standard Statement 

9.3 – Career & Technical Education (CTE) 

Content Area: 21

 Century Life and Careers 

9 |

P a g e

CONTENT AREA: 

STANDARD 9.3 CAREER AND TECHNICAL EDUCATION 

BUSINESS MANAGEMENT AND ADMINISTRATION CAREER CLUSTER

Number 

Standard Statement 

CAREER CLUSTER

:  BUSINESS MANAGEMENT AND ADMINISTRATION (BM) 

PATHWAY: 

ADMINISTRATIVE SUPPORT (BM‐ADM) 

PATHWAY: 

BUSINESS INFORMATION MANAGEMENT (BM‐BIM) 

PATHWAY: 

GENERAL MANAGEMENT (BM‐MGT)