Unit Title:

Suggested Length:

Choosing Financial Services

Seven class periods

Standard & Benchmarks:

Consumer Education 2.1, 7.1, and 7.2

Content:

Match the different types of financial institutions with descriptions.  Explain why financial institutions pay and charge interest.  Complete “services offered” chart comparing two or more financial institutions.  Identify types of checking accounts.  Complete a checking account project.  Identify types of saving accounts.  Identify types of electronic banking services.  Define types of interest.  Calculate types of interest.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Complete a “services offered” chart comparing two or more financial institutions; Checking Account Management Project; Calculate cost of interest on three consumer products; Update Portfolio.

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Videos; Teacher Presentation

Pre-AP Extensions:

Unit Title:

Suggested Length:

Exploring Professional Opportunities in Consumer Education

Four class periods

Standard & Benchmarks:

Consumer Education 2.1, 2.2, 2.3, 2.4, and 7.2

Content:

Complete a self-inventory.  Research careers in Consumer Economics.  Match self-inventory results, education and experience to those needed in careers in Consumer Economics.  Gather information about leisure time careers.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Self-inventory w/ personal response; Research careers in Consumer Economics and Leisure; Career Plan (match self-inventory results, education, experience and interest to a career in Consumer Economics or the Leisure industry; justify choice); Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Teacher Presentation; Self-inventory; Up Date Portfolio

Pre-AP Extensions:

Unit Title:

Suggested Length:

Housing Considerations

Six class periods

Standard & Benchmarks:

Consumer Education 2.1, 7.1, and 7.2

Content:

Consider various housing needs.  Distinguish between housing types.  List guidelines to consider when selecting appropriate type of housing. List advantages/disadvantages between renting/leasing.  Discuss tenant’s rights/responsibilities.  Evaluate a lease contract.  Discuss tenant’s insurance.  Discuss sources for locating suitable housing. 

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Evaluate a Housing Lease Agreement; Housing Project (Includes personal housing needs, lease/rental property selection, personal property and insurance coverage.); Update Portfolio.

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Videos; Teacher Presentation; The Tulsa World; Study Trip; Local Property Leasing/Rental Publications

Pre-AP Extensions:

Unit Title:

Suggested Length:

Influences of Advertising

Five class periods

Standard & Benchmarks:

Consumer Education 2.1 and 7.1

Content:

Distinguish among common sources of consumer information.  Apply common sources of consumer information.  Distinguish between informational and manipulative advertising.  Discuss the criteria the Federal Trade Commission uses to determine whether an advertisement is misleading or deceptive.  Analyze FTC criteria in an advertisement.  Define common deceptive practices in advertising.  Identify common deceptive practices in advertising.  List types of information advertisers promote.  Create an advertisement promoting one type of advertising information.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Advertising Evaluation Project; Create an Advertisement (group activity); Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Web Sites – www.ftc.gov; www.the-dma.org; www.ntrbonline.org;

Power Point (teacher presentation)

Pre-AP Extensions:

Unit Title:

Suggested Length:

Practice Positive Leadership Skills

Three class periods

Standard & Benchmarks:

Consumer Education 1.1, 1.2, and 1.3

Discuss the FCCLA student organization.  Research the job description of each officer.  Learn the basics of the FCCLA organization such as the motto, the color, flower, inception, etc.

Suggested Student Performance/Product:

Pretest/Test

Conduct a mock election.

Conduct a mock FCCLA meeting.

Suggested Resources:

FCCLA CD

FCCLA Web Site

Power Point Presentation

Pre-AP Extensions:

Unit Title:

Suggested Length:

Making Wise Consumer Decisions

Seven class periods

Standard & Benchmarks:

Consumer Education 2.1, 2.4, and 7.1

Content:

Determine the information a competent consumer knows.  Define the basic consumer rights.  Describe the practices of a responsible consumer.  Delineate the most important consumer protection laws.  Decide the values that influence your buying behavior.  Resolve value conflicts in your buying behaviors.  Create financial goals based on your values.  Prioritize your financial goals.  Discuss how buying behaviors fulfill psychological/social needs.  Research the broad categories of major industries that offer positions of employment handling consumer issues such as education and protection.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; OKCATE Consumer Education Curriculum; Create a Circular Flow of the Economy Chart; Create Financial Goals Based on Personal Values; One-two page paper based on research from consumer education and protection agencies; Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics;

Web Sites – www.nacaanet.org; www.ntrbonline.org; 

Power Point Presentation; Transparencies

Pre-AP Extensions:

Unit Title:

Suggested Length:

Managing Leisure Time Activities

Four class periods

Standard & Benchmarks:

Consumer Education 2.1 and 7.2

Content:

State the benefits of leisure activities.  List types of leisure activities.  List factors that affect the selection of leisure activities. List ways one can get the most from the recreation dollar.  Investigate leisure activities in the community.  Evaluate a past leisure activity.  List places to obtain travel information.  List costs connected with travel activities.  List guidelines for packing for travel.  Plan a leisure time trip activity for one person or a family.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Plan a leisure time trip for one or a family. (Include what will be packed and how, mode of transportation, destination, activities, total costs); 

Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Teacher Presentation; The Tulsa World; AAA publications

Pre-AP Extensions:

Unit Title:

Suggested Length:

Managing Time

Five class periods

Standard & Benchmarks:

Consumer Education 2.1 and 7.2

Content:

Discuss the benefits of time management.  List influences on the use of time.  List guidelines to manage time effectively.  Identify time wasters.  Develop a goal plan.  Discuss the importance of making lists as a time management tool.  Analyze your personal time management skills.  Discuss advantages and guidelines for making a written time plan.  Develop a personal time plan.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Create a graph or pie chart indicating current use of personal time and analyze for time wasters and support of personal goals; Develop a personal time plan; Update Portfolio.

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Teacher Presentation

Pre-AP Extensions:

Unit Title:

Suggested Length:

Developing a Personal Financial System

Eight class periods

Standard & Benchmarks:

Consumer Education 2.1, 7.1, and 7.2

Content:

List the basic steps in a financial plan.  Assess your current financial situation.  Chart the categories and allocation percentages into which income should be divided for financial planning purposes.  Explain reasons to make periodic adjustments of a financial plan.  Discuss the basic principles of insurance.  List factors that determine insurance premium costs.  Research the guidelines for determining what records to keep, for how long, and where to store them.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Create a Workable Budget; Research Record Keeping Guidelines; Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Guest Speaker; Teacher Presentation

Pre-AP Extensions:

Unit Title:

Suggested Length:

Resolving Consumer Problems

Five class periods

Standard & Benchmarks:

Consumer Education 2.1 and 7.1

Content:

Discuss consumer problems associated with quality of purchased products and services.  Analyze reactions to consumer problems.  List criteria associated with consumer fraud.  List the appropriate channels to contact when resolving a consumer complaint.  List the requirements of a contract.  Select from a list items that must be included in a written contract.  Write a letter of complaint.  Research the functions of common regulatory bureaus and agencies.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Write a letter of consumer complaint; Research the functions of common regulatory bureaus and agencies and include information in a short report; Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Web Sites – www.cpsc.gov; www.usda.gov; www.hud.gov; www.dol.gov; www.pueblo.gsa.gov; www.ftc.gov; www.fda.gov; www.sec.gov; www.usps.gov; The Tulsa World;  Power Point (teacher presentation)

Pre-AP Extensions:

Unit Title:

Suggested Length:

Exploring Savings and Investment Opportunities

Six class periods

Standard & Benchmarks:

Consumer Education 2.1, 7.1, and 7.2

Content:

Summarize three methods of managing personal finances.  Define saving and investing.  List the steps used to set and achieve personal goals for savings.  Describe factors to consider when handling savings.  Answer questions about a stock listing.  Complete a “stock watch” activity.  Identify reasons for financial failure and success.  Identify ways to save.  Develop a personal savings plan.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; “Stock Watch” Project; Develop a Personal Savings Plan;

Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Videos; Teacher Presentation; The Tulsa World

Pre-AP Extensions:

Unit Title:

Suggested Length:

Selecting Transportation

Ten class periods

Standard & Benchmarks:

Consumer Education 2.1 and 7.1

Content:

Identify the advantages/disadvantages of public transportation and owning/leasing an automobile.   List questions to ask before shopping for a vehicle.  Interpret automobile advertisement terms.  Shop for an automobile.  Identify laws/agencies protecting consumers who own/operate an automobile.  List points to consider when choosing an automotive repair facility.  Select from a list the factors influencing the cost of auto insurance premiums.  Distinguish among types of auto insurance and state guidelines for auto insurance selection.  Identify procedure to follow when involved in an auto accident.  Figure yearly cost of owning/operating an automobile.  Compare the expenses of necessary versus unnecessary driving.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Test New/Used Car Project (Includes needs assessment, selection, financing, insurance coverage and total cost.); Update Portfolio

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Videos; Teacher Presentation; The Tulsa World; Guest Speaker

Pre-AP Extensions:

Unit Title:

Suggested Length:

Understanding Credit and Resolving Credit Problems

Eleven class periods

Standard & Benchmarks:

Consumer Education 2.1, 7.1, and 7.2

Content:

Explain why credit is important to the consumer and the economy.  Prepare an educational booklet contrasting the advantages and disadvantages of using credit.  State guidelines for making a wise decision to use credit.  Distinguish between open end and closed end credit.  Summarize personal information for a credit application.  Distinguish among types of consumer credit. Distinguish between characteristics of a credit car and debit card.  Explain how credit is granted.  Analyze a credit report.  Discuss steps involved in challenging an inaccurate credit report.  Select from a list ways to protect oneself from credit card fraud.  Research titles of employment opportunities available in obtaining credit and credit management.  State the guidelines used to measure the ability to handle debt.  Identify and list the credit warning signals. Identify credit-counseling services.  Discuss effects of debt consolidation, garnishment and bankruptcy.  Tell what to do when debts cannot be paid.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Brochure (illustrating advantages/disadvantages of credit);

Complete Chart Comparing/Contrasting Three Credit Cards; Analyze a Credit Report; Research Employment Opportunities in the Credit Industry; Update Portfolio.

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Internet Web Sites; Production Software; Videos; Teacher  Presentation; Guest Speaker; Credit Card Applications; Credit Report

Pre-AP Extensions:

Unit Title:

Suggested Length:

Understanding the Economy

Six class periods

Standard & Benchmarks:

Consumer Education 2.1 and 7.3

Content:

Explain the three economic roles.  Define the four major economic resources.  Distinguish among the general types of business activities.  List the three key economic questions.  Calculate the opportunity cost of making a consumer decision.  Explain the circular flow of economic activity.  Explain the GDP and GNP.  Name the three factors that affect the prices consumers’ pay.  Identify and describe the types of consumer power.  Identify ways the government is involved in the economy.  List the effects of inflation on the consumer.  List the effects of living in a global marketplace.  Research job titles of economic careers.  Identify the people and agencies that are the most important in making economic decisions about our national government’s fiscal and monetary policies.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Create a Circular Flow of the Economy Chart

Report – Take a specific consumer product from the idea stage to “in the hands” of the consumer.  Tell the effects of inflation and recession on the product, business owner, the worker and the consumer. Update Portfolio.

Suggested Resources:

Textbook – Consumer Education and Economics; OKCATE Consumer Education Curriculum; Web Sites; Teacher Presentation; Transparencies

Pre-AP Extensions:

Unit Title:

Suggested Length:

Wills and Funerals

Four class periods

Standard & Benchmarks:

Consumer Education 2.1, 7.1, and 7.2

Content:

Discuss the aspects of an advance directive for health care.  Outline the aspects of having/not having a will.  Consider terms associated with funerals, advantages/disadvantages of prefinanced funerals and the information funeral directors must supply by law.  Plan a funeral.  Write a letter of last instruction.

Suggested Student Performance/Product:

Pretest, Quizzes, Test; Create a Personal Advance Directive; Plan a Funeral (group activity); Write Letter of Last Instruction; Update Portfolio

Suggested Resources:

OKCATE Consumer Education Curriculum; Internet Web Sites; Teacher Presentation; Guest Speaker

Pre-AP Extensions: