| (a) General requirements. This course is recommended
for students in Grades 11 and 12. Recommended prerequisite: Principles
of Human Services. Students shall be awarded one-half credit for successful
completion of this course.
(b) Introduction.
(1) Career and technical education instruction provides
content aligned with challenging academic standards and relevant technical
knowledge and skills for students to further their education and succeed
in current or emerging professions.
(2) The Human Services Career Cluster focuses on preparing
individuals for employment in career pathways that relate to families
and human needs such as counseling and mental health services, family
and community services, personal care services, and consumer services.
(3) Dollars and Sense focuses on consumer practices
and responsibilities, money-management processes, decision-making
skills, impact of technology, and preparation for human services careers.
(4) Students are encouraged to participate in extended
learning experiences such as career and technical student organizations
and other leadership or extracurricular organizations.
(5) Statements that contain the word "including" reference
content that must be mastered, while those containing the phrase "such
as" are intended as possible illustrative examples.
(c) Knowledge and skills.
(1) The student demonstrates professional standards/employability
skills as required by business and industry. The student is expected
to:
(A) apply interpersonal communication skills in business
and industry settings;
(B) explain and recognize the value of collaboration
within the workplace;
(C) examine the importance of time management to succeed
in the workforce;
(D) identify work ethics and professionalism in a job
setting; and
(E) develop problem-solving and critical-thinking skills.
(2) The student demonstrates management of individual
and family resources such as finances, food, clothing, shelter, health
care, recreation, transportation, time, and human capital. The student
is expected to:
(A) analyze the economic rights and responsibilities
of individuals as consumers;
(B) apply management, planning skills, and processes
to organize tasks and responsibilities;
(C) develop and apply multiple strategies for individuals
and families to make choices to satisfy needs and wants;
(D) analyze the consequences of an economic decision
made by an individual consumer such as the decisions to provide safe
and nutritious food, clothing, housing, health care, recreation, and
transportation; and
(E) analyze the impact of media and technological advances
on family and consumer decisions.
(3) The student demonstrates management of financial
resources to meet the goals of individuals and families across the
life span. The student is expected to:
(A) evaluate the need for personal and family financial
planning, including maintaining a budget, expense records, and economic
self-sufficiency;
(B) compare types of loans available to consumers and
distinguish criteria for becoming a low-risk borrower;
(C) connect mathematics to the understanding of interest,
including avoiding and eliminating credit card debt;
(D) collect evidence and data related to implementing
a savings program, the time value of money, and retirement planning;
(E) explore how to be a prudent investor in the stock
market and other investment options;
(F) investigate the benefits of charitable giving;
(G) compare types of banks, credit unions, and virtual
banks available to consumers and the benefits of maintaining financial
accounts;
(H) demonstrate the ability to maintain financial records;
(I) investigate bankruptcy laws, including ways to
avoid bankruptcy;
(J) apply management principles to decisions about
insurance for individuals and families;
(K) evaluate personal and legal documents related to
managing individual and family finances such as birth certificates,
medical records, social security cards, financial records, and property
records; and
(L) demonstrate the ability to use calculators, spreadsheets,
computers, and software in data analysis relating to finance.
(4) The student demonstrates effective consumer skills
related to housing needs. The student is expected to:
(A) explain consumer rights and responsibilities associated
with renting or buying a home;
(B) analyze legal and financial aspects of purchasing
and leasing housing; and
(C) propose money-management skills necessary to make
the transition from renting to home ownership.
(5) The student analyzes the relationship of the environment
to family and consumer resources. The student is expected to:
(A) analyze individual and family responsibilities
in relation to environmental trends and issues;
(B) summarize environmental trends and issues affecting
families and future generations;
(C) demonstrate behaviors that conserve, reuse, and
recycle resources to maintain the environment; and
(D) explain governmental regulations for conserving
natural resources.
(6) The student analyzes relationships between the
economic system and consumer actions. The student is expected to:
(A) analyze economic effects of laws and regulations
that pertain to consumers and providers of services; and
(B) identify types of taxes at the local, state, and
national levels and the economic importance of each.
(7) The student identifies skills and attributes necessary
for sustaining a chosen lifestyle. The student is expected to:
(A) evaluate and compare employment options, including
salaries and benefits;
(B) compare rewards and demands for various levels
of employment in a variety of careers;
(C) determine how interests, abilities, personal priorities,
and family responsibilities affect career choices;
(D) determine continuing education opportunities that
enhance career advancement and promote lifelong learning; and
(E) use presentation skills to communicate and apply
knowledge of careers in consumer services.
(8) The student integrates knowledge, skills, and practices
required for careers in consumer services. The student is expected
to:
(A) explain the roles and functions of individuals
engaged in consumer services careers;
(B) analyze opportunities for employment and entrepreneurial
endeavors;
(C) summarize education and training requirements for
consumer services careers; and
(D) investigate professional organizations for consumer
services.
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