A Correlation between the Texas Essential Knowledge and Skills and Junior Achievement High School Programs

Updated April 2019 Texas Essential Knowledge and Skills Personal Financial Literacy Entrepreneurship Junior Achievement USA® One Education Way Colorado Springs, CO 80906 www.ja.org Overview

In this document, Junior Achievement programs are correlated to the revised Texas Essential Knowledge and Skills Standards for English Language Arts (ELA) and Social Studies grades 9-12.

Junior Achievement programs offer a multidisciplinary approach – connecting information across social studies disciplines such as economics, geography, history, government, and civics while incorporating mathematical concepts and reasoning and language arts skills.

This list is not meant to be exhaustive or intended to suggest that a JA program will completely address any given standard, but is designed to show how it can enhance or complement efforts to do so. The flexibility of the programs and supplementary materials allow specific content or skills to be addressed in depth by the teacher and/or business volunteer as needed.

High School Programs

JA Be Entrepreneurial® introduces students to the essential components of a practical business plan, and challenges them to start an entrepreneurial venture while still in high school.

JA Career Success™ equips students with the tools and skills required to earn and keep a job in high- growth career industries.

JA Company Program® Blended Model unlocks the innate ability in students to fill a need or solve a problem in their community by launching a business venture—unleashing their entrepreneurial spirit. Each of the program’s 13 meetings allows students to work individually or in groups to take a closer look at business-related topics while continuing to run a business.

JA Economics® examines the fundamental concepts of micro-, macro-, and international economics.

JA Exploring Economics® fosters lifelong skills and knowledge about how an economy works, including micro-, macro-, personal, and international economics.

JA Finance Park® Project Based Learning provides a structure for students to demonstrate mastery in personal financial planning and career exploration. At the culmination of this teacher-led program, students visit JA Finance Park, a realistic on-site or virtual community, to put into practice what they've learned by developing and committing to a personal budget

JA Job Shadow™ prepares students to be entrepreneurial thinkers in their approach to work. Students will acquire and apply the skills needed in demanding and ever-changing workplaces.

JA Personal Finance®Blended Model demonstrates the relationship between financial decisions made now and future financial freedom and quality of life. Students learn that a positive financial future requires making smart choices about education, a career, and saving and investing.

JA Titan® introduces critical economics and management decisions through an interactive simulation.

2

Be Entrepreneurial

Session Details TEKS Social Studies TEKS English Language Arts

Session One: Introduction to 118.4.Economics English I English III Entrepreneurship 16. The student understands types of business 110.36.1.A,B,D 110.38.1.A,B,D ownership. 110.36.2.A-B 110.38.2.A-B Students test their knowledge about (C) analyze the economic rights and 110.36.5.A,E 110.38.5.A,E entrepreneurship. They begin the process to responsibilities of businesses, including those 110.36.11.A,C,E 110.38.11.A,C,E select a product or service for a business involved in starting a small business venture. English II English IV Objectives: 130.384. Entrepreneurship 110.37.1.A,B,D 110.39.1.A,B,D 2. The student demonstrates an understanding 110.37.2.A-B 110.39.2.A-B The students will: of entrepreneurship and the entrepreneurial way 110.37.5.A,E 110.39.5.A,E . Recognize the elements of a successful of life. The student is expected to: 110.37.11.A,C,E 110.39.11.A,C,E business start-up (A) clarify the terms entrepreneurship and . Evaluate myths and facts about entrepreneur; entrepreneurship (B) define small business; and . Consider product-development options (C) analyze the advantages and disadvantages of entrepreneurship. Concepts: Entrepreneur, Entrepreneurial spirit, Non-profit business, Product development, Social entrepreneur

Skills: Analyzing information, Categorizing data, Decision- making, Evaluating alternatives, Oral and written communication, Presenting information, Working in groups

Session Two: What’s My Business? 118.4.Economics English I English III 16. Personal financial literacy. The student 110.36.1.A,B,D 110.38.1.A,B,D Students select a product or service for a understands types of business ownership. 110.36.2.A-B 110.38.2.A-B business venture. 22. Social studies skills. The student applies 110.36.4.A,B,C,E.H 110.38.4.A-E Objectives: critical-thinking skills to organize and use 110.36.5.A-F 110.38.5.A-F 110.36.9.A 110.38.9.A The students will: information acquired from a variety of valid

. Recognize the importance of carefully sources, including electronic technology. English II English IV selecting a product or service before starting (A) analyze economic information by 110.37.1.A,B,D 110.39.1.A,B,D a business sequencing, categorizing, identifying cause- 110.37.2.A-B 110.39.2.A-B . Apply passions, talents, and skills to a and-effect relationships, comparing, market-needs assessment to determine the contrasting, finding the main idea, 110.37.4.A,B,C,E,H 110.39.4.A-E basis of a business plans. summarizing, making generalizations and 110.37.5.A-F 110.39.5.A_F 110.37.9.A 110.39.9.A predictions, and drawing inferences and

Concepts: Entrepreneur, Franchise, Non- conclusions. profit business, Product development 130.384. Entrepreneurship Skills: Analyzing information, Categorizing 5. The student explains the goal of a business data, Decision- making, Evaluating alternatives, and its unique proposition. The student is Oral and written communication, Presenting expected to: information, Reading for understanding, (A) describe the nature of a business and list Working pairs the marketplace needs that it satisfies; (B) explain how a business's products and services meet the needs of the market; (C) list the specific consumers, organizations, or businesses that a company targets or will target.

3 JA Be Entrepreneurial

Session Details TEKS Social Studies TEKS English Language Arts

Session Three: Who’s My Customer? 118.4 Economics English I English III 22. Social studies skills. The student applies 110.36.1.A-D 110.38.1.A-D Students analyze potential markets. critical-thinking skills to organize and use 110.36.2.A-B 110.38.2.A-B Objectives: information acquired from a variety of valid 110.36.4.A-G 110.38.4.A-G sources, including electronic technology. 110.36.5.A,E 110.38.5.A,E The students will: (E) evaluate economic data using charts, tables, 110.36.9.A 110.38.9.A . Recognize the importance of analyzing graphs, and maps markets English II English IV . Apply a needs assessment to the market 130.384. Entrepreneurship 110.37.1.A-D 110.39.1.A-D available to a specific product 3.(C) Explain a marketing plan, including price 110.37.2.A-B 110.39.2.A-B competition, non-price competition, market 110.37.4.A-G 110.39.4.A-G Concepts: Advertisement, Entrepreneur, analysis, competition, marketing research, 110.37.5.A,E 110.39.5.A,E Customer, Demographic, Market needs, market segmentation, demographics, and sales 110.37.9.A 110.39.9.A Marketing forecasting.

Skills: Analyzing information, Categorizing data, Decision- making, Evaluating alternatives, Graphic presentation, Oral and written communication, Presenting information, Reading for understanding, Working in groups

Session Four: What’s My Advantage? 118.4 Economics English I English III 23 Social studies skills. The student 110.36.1.A-D 110.38.1.A-D Students determine how to set a product apart communicates in written, oral, and visual 110.36.2.A-B 110.38.2.A-B from its competition. forms. 110.36.4.A-G 110.38.4.A-G Objectives: (D) create written, oral, and visual 110.36.5.A,E 110.38.5.A,E presentations of economic information 110.36.9.A 110.38.9.A The students will:

. Define competitive advantages and 130.384. Entrepreneurship English II English IV recognize them in other businesses 5. (D) explain the competitive advantages that 110.37.1.A-D 110.39.1.A-D . Express the importance of selecting make a business successful 110.37.2.A-B 110.39.2.A-B competitive advantages that offer an edge 14. The student knows the process for 110.37.4.A-G 110.39.4.A-G over the competition for a product and development, implementation, and evaluation market 110.37.5.A,E 110.39.5.A,E of a marketing plan 110.37.9.A 110.39.9.A

(D) use appropriate technology to create Concepts: Competitive advantages, Customer, promotional materials Entrepreneur, Profit, Product

Skills: Analyzing information, Categorizing data, Decision- making, Evaluating alternatives, Graphic presentation, Oral and written communication, Presenting information, Reading for understanding, Working in groups

4 JA Be Entrepreneurial

TEKS English Session Details TEKS Social Studies Language Arts

Session Five: Competitive Advantages 118.4.Economics English I English III 23. Social studies skills. The student 110.36.1.A,B,D 110.38.1.A,B,D Students decide how to set a product or service communicates in written, oral, and visual 110.36.2.A-B 110.38.2.A-B apart from the competition. forms. 110.36.4.A,B,F,G 110.38.4.A,B,F,G Objectives: (A) use economic-related terminology 110.36.5.A-D 110.38.5.A-D correctly; 110.36.9.A,B 110.38.9.A The students will: (B) use standard grammar, spelling, sentence . Evaluate competitive advantages structure, and punctuation English II English IV . Select competitive advantages that will drive 110.37.1.A,B,D 110.39.1.A,B,D a developing business venture 130.384. Entrepreneurship 110.37.2.A-B 110.39.2.A-B

15) The student knows the process for 110.37.4.A,B,F,G 110.39.4.A,B,F,G Concepts: Competitive advantages, development, implementation, and evaluation 110.37.5.A-E 110.39.5.A-D Entrepreneur, Profit of a promotional plan. The student is expected 110.37.9.A,B 110.39.9.A

to: Skills: Analyzing information, Categorizing (B) describe the interrelationship of visual data, Decision- making, Evaluating alternatives, merchandising, public relations and publicity, Oral and written communication, Reading for personal selling, and sales promotion with understanding, Working in groups advertising; (C) use appropriate technology to create promotion plans; and (D) apply evaluation strategies to determine promotional campaign effectiveness.

Session Six: Ethics Are Good for 118.4 Economics English I English III Business 24. Social studies skills. The student uses 110.36.1.A,B,D 110.38.1.A,B,D problem-solving and decision-making skills, 110.36.2.A-B 110.38.2.A-B Students consider consequences in making working independently and with others, in a 110.36.3 110.38.4.A-E ethical business decisions variety of settings. 110.36.4.A-I 110.38.5.A-F Objectives: (A) use a problem-solving process to identify a 110.36.5.A-G 110.38.9.A problem, gather information, list and consider 110.36.7.D,E The students will: options, consider advantages and disadvantages, 110.36.8.A-D English IV . Evaluate short- and long-term consequences choose and implement a solution, and evaluate 110.39.1.A,B,D in making ethical decisions the effectiveness of the solution; and English II 110.39.2.A-B . Express that being ethical can be good for (B) use a decision-making process to identify a 110.37.1.A,B,D 110.39.4.A-E business situation that requires a decision, gather 110.37.2.A-B 110.39.5.A-F

information, identify options, predict 110.37.3 110.39.9.A Concepts: Consequences, Entrepreneur, consequences, and take action to implement a 110.37.4.A-I Ethical dilemma, Ethics, Social responsibility, decision. 110.37.5.A-G Stakeholder 110.37.7.D,E 130.384. Entrepreneurship 110.37.8.A-D Skills: Analyzing information, Categorizing 18. The student understands business ethics and data, Decision- making, Expressing multiple legal responsibilities. The student is expected viewpoints, Evaluating alternatives, Oral and to: written communication, Reading for (A) explain ethical actions in business understanding, Weighing consequences, operations, including ethical considerations in Working in pairs providing information, confidential information, and information appropriate to obtain from a client or another employee

5 JA Be Entrepreneurial

TEKS English Session Details TEKS Social Studies Language Arts

Session Seven: The Business Plan 118.4.Economics English I English III 23. Social studies skills. The student 110.36.1.A,B,D 110.38.1.A,B,D Students compile a sample business plan. communicates in written, oral, and visual 110.36.2.A-B 110.38.2.A-B Objectives: forms. 110.36.4.A,B,C,E.H 110.38.4.A-E 110.36.5.A-F 110.38.5.A-F The students will: 24. Social studies skills. The student uses 110.36.9.A 110.38.9.A . Compile entrepreneurial elements into a problem-solving and decision-making skills,

sample business plan working independently and with others, in a English II English IV variety of settings. 110.37.1.A,B,D 110.39.1.A,B,D Concepts: Business plan, Competitive 110.37.2.A-B 110.39.2.A-B advantages, Entrepreneur, Ethics, Financing, 130.384. Entrepreneurship 110.37.4.A,B,C,E,H 110.39.4.A-E Management, Market, Product development 4. The student identifies the importance of a 110.37.5.A-F 110.39.5.A_F well-written business plan. The student is 110.37.9.A 110.39.9.A expected to: Skills: Analyzing information, Business planning, Categorizing data, Decision-making, (A) identify the need for and the characteristics Evaluating alternatives, Oral and written of a well-orchestrated business plan; communication, Reading for understanding, (B) research business plan outlines, resources, Working in pairs and templates; and (C) create and present a well-orchestrated business plan and critically explain the contents.

6 JA Career Success

TEKS English Session Details TEKS Social Studies Language Arts

Session One: Get Hired: Critical 127.14 Career Preparation 1 English I English III Thinking and Creativity 2. The student develops skills for success in the 110.36.1.A,D 110.38.1.A,D workplace. 110.36.2.A-B 110.38.2.A-B Students are introduced to the need to be (E) exhibit productive work habits, ethical practices, 110.36.4.A-G 110.38.4.A-G work ready by developing the 4 C’s skills and a positive attitude; 110.36.5.A-C 110.38.5.A-C that employers want from people entering (F) demonstrate the ability to work with other 110.36.9.A 110.38.9.A the workforce. Students apply critical- employees to support the organization and complete thinking skills and creativity to solve assigned tasks English II English IV problems in real-life work scenarios. 110.37.1.A-D 110.39.1.A,D 3. The student discusses work ethics, employer 110.37.2.A-B 110.39.2.A-B Objectives: expectations, interactions with diverse populations, and 110.37.4.A-G 110.39.4.A-G communication skills in the workplace. The students will: 110.37.5.A-C 110.39.5.A-C (A) illustrate how personal integrity affects human . Use a problem-solving technique to 110.37.9.A 110.39.9.A relations on the job; solve personal and professional problems (B) research characteristics of successful working . Apply critical-thinking skills to work- relationships such as teamwork, conflict resolution, based problems self-control, and ability to accept criticism . Recognize that decisions made in the workplace have consequences 118.4 Economics 24. Social studies skills. The student uses problem- solving and decision-making skills, working independently and with others, in a variety of settings.

Session Two: Get Hired: 127.14 Career Preparation 1 English I English III Communication and Conflict- 3. The student applies work ethics, employer 110.36.1.A,C,D 110.38.1.A,C,D Management Skills expectations and interactions with diverse populations, 110.36.4.E-G 110.38.4.E-G and communication skills in the workplace. 110.36.5.A,E,F,H 110.38.5.A,E,F,H Students apply communication skills to (D) demonstrate respect for the rights of others; resolve conflicts in work-based scenarios. (E) develop listening skills; English II English IV They role-play conflicts and conflict (F) apply effective listening skills used in the 110.37.1.A,C,D 110.39.1.A,C,D management, and explore behaviors that workplace; 110.37.4.E-G 110.39.4.E-G inflame conflict and behaviors that lead 110.37.5.A,E,F,H 110.39.5.A,E,F,H to resolution. Objectives: The students will: . Recognize common responses to conflict . Apply conflict-management skills to resolve work-based issues

7 JA Career Success

TEKS English Session Details TEKS Social Studies Language Arts

Session Three: Get Hired: Collaboration 127.14 Career Preparation 1 English I English III and Creativity 6. The student applies the use of self- 110.36.1.A,C,D 110.38.1.A,C,D development techniques and interpersonal 110.36.4.E-G 110.38.4.E-G Students practice collaboration, a 4 C’s skill, by skills. The student is expected to: 110.36.5.A,E,F,H 110.38.5.A,E,F,H using a teambuilding model referred to as the (A) identify and practice effective GRPI (Goals, Roles and Responsibilities, interpersonal and team-building skills with English II English IV Processes, and Interpersonal Relationship Skills). coworkers, managers, and customers 110.37.1.A,C,D 110.39.1.A,C,D The model describes the behaviors found in high- 110.37.4.E-G 110.39.4.E-G 118.4 Economics performance teams in the workplace. 110.37.5.A,E,F,H 110.39.5.A,E,F,H 24. Social studies skills. The student uses

Objectives: problem-solving and decision-making skills, The students will: working independently and with others, in a . Demonstrate collaboration with team variety of settings. members to accomplish work-based challenges . Recognize the components of a high- performance team

Session Four: Get Hired: Strong Soft 127.14 Career Preparation 1 English I English III Skills (1) The student demonstrates professional 110.36.1.A-D 110.38.1.A-D employability skills to gain an entry-level 110.36.4.A-C 110.38.4.A-C Students will review soft skills that are in position. The student is expected to: 110.36.5.F,H,I 110.38.5. F,H,I demand by employers and rate their own soft (D) demonstrate proper interview techniques skills. They will use personal stories in a job in various situations English II English IV interview workshop to communicate these skills 110.37.1.A-D 110.39.1.A-D to a potential employer 2. The student develops skills for success in 110.37.4.A-C 110.39.4.A-C the workplace. The student is expected to: 110.37.5. F,H,I 110.39.5. F,H,I Objectives: (A) identify and model appropriate grooming The students will: and appearance for the workplace; . Identify soft skills that are in demand by (B) demonstrate dependability, punctuality, employers and initiative; . Demonstrate personal soft skills in a mock (C) research positive interpersonal skills, interview including respect for diversity; (D) model appropriate business and personal etiquette in the workplace; (E) exhibit productive work habits, ethical practices, and a positive attitude (J) develop soft skills in a working environment.

118.4 Economics 23. Social studies skills. The student communicates in written, oral, and visual forms. .

8 JA Career Success

TEKS English Session Details TEKS Social Studies Language Arts

Session Five: Know Your Work Priorities 127.14 Career Preparation 1 English I English III 8. The student evaluates personal attitudes and 110.36.1.A-D 110.38.1.A-D Students learn that in the current workforce, work habits that support career retention and 110.36.4.A-C 110.38.4.A-C people change jobs or careers several times over advancement. 110.36.5.F,H,I 110.38.5. F,H,I a lifetime. That means it is important to be (C) compare rewards and demands for various prepared and adaptable. Students explore which levels of employment in a variety of careers; English II English IV of their priorities should be their anchors as they (D) evaluate strategies for career retention and 110.37.1.A-D 110.39.1.A-D prepare to enter the working world. advancement in response to the changing 110.37.4.A-C 110.39.4.A-C Objectives: global workplace. 110.37.5. F,H,I 110.39.5. F,H,I

The students will: 9. The student identifies skills and attributes . Recognize the importance of being focused, necessary for professional advancement. The proactive, and adaptable when exploring student is expected to: careers (A) evaluate and compare employment . Rank work environment priorities as an options, including salaries and benefits; anchor for further career planning decisions (B) determine how interests, abilities, personal priorities, and family responsibilities affect career choices

Session Six: Know Who’s Hiring 127.14 Career Preparation 1 English I English III 1. The student demonstrates professional 110.36.1.A,B,D 110.38.1.A,B,D In groups, students analyze factors to consider employability skills to gain an entry-level 110.36.2.A-B 110.38.2.A-B when researching careers: skills learned through position. The student is expected to: 110.36.4.A-G 110.38.4.A-G training and education; interests in various career (A) identify employment opportunities; 110.36.5.E-F 110.38.5. E-F clusters; and specific high-growth jobs and the (B) demonstrate the application of essential requirements needed to earn them. workplace knowledge and skills English II English IV Objectives: 110.37.1.A,B,D 110.39.1.A,B,D The students will: 4. The student applies academic skills to the 110.37.2.A-B 110.39.2.A-B . Analyze requirements needed for high-growth workplace. 110.37.4.A-G 110.39.4.A-G industries such as those offering STEM- (C) interpret data from tables, charts, and 110.37.5. E-F 110.39.5. E-F related jobs graphs to estimate and find solutions to . Identify the education and training needed to problems. be adaptable and competitive in the job market 118.4 Economics 21. The student understands the various methods available to pay for college and other postsecondary education and training.

Session Seven: Know Your Personal 127.14 Career Preparation 1 English I English III Brand 1. The student uses employability skills to gain 110.36.1.A-D 110.38.1. A-D an entry-level job in a high-skill, high-wage, 110.36.2.A-B 110.38.2.A-B Students work in teams to rate the personal brand or high-demand field. 110.36.4.A-G 110.38.4.A-G of candidates applying for a job by comparing 110.36.5.A-F 110.38.5. A-F cover letters, resumes, and digital profiles of the 6. The student applies the use of self- candidates. development techniques and interpersonal English II English IV Objectives: skills. 110.37.1. A-D 110.39.1. A-D The students will: 110.37.2.A-B 110.39.2.A-B . Explore how to hunt for a job and the tools 118.4 .Economics 110.37.4.A-G 110.39.4.A-G needed 23. Social studies skills. The student 110.37.5. A-F 110.39.5. A-F . Determine choices they can make to create a communicates in written, oral, and visual positive personal brand as they build their forms. careers (C) transfer information from one medium to another, including written to visual and statistical to written or visual, using computer software as appropriate; (D) create written, oral, and visual presentations of economic information.

9 JA Company Program – Blended

Session Details TEKS Social Studies TEKS English Language Arts

Meeting One: Start a Business 130.384 Entrepreneurship English I English III 2 The student demonstrates an understanding of 110.36.1.A,B,D 110.38.1.A,B,D Objectives: entrepreneurship and the entrepreneurial way of life 110.36.2.A-B 110.38.2.A-B The students will: (A) Clarify the terms entrepreneurship and 110.36.4.A,E,G 110.38. 4.A,E,G . Identify what they will be doing in JA entrepreneur. 110.36.5.A,E 110.38.5.A,E Company Program. (B) Define small business. 110.36.7.F 110.38.7.F . Share important information about prior (C). Illustrate why someone may want to be an knowledge, beliefs, and attitudes. entrepreneur. English II English IV . Build relationships with others in their 110.37.1.A,B,D 110.39.1.A,B,D 110.37.2.A-B 110.39.2.A-B group. . Determine entrepreneurial traits and 110.37. 4.A,E,G 110.39. 4.A,E,G choose a business team. 110.37.5.A,E 110.39.5.A,E . Explore potential ways to fund their 110.37.7.F 110.39.7.F venture.

Concepts: Company structure, Entrepreneurial spirit, Self-inventory, Team building, Values, Vision,

Skills: Gathering and organizing

Meeting Two: Fill a Need 130.384 Entrepreneurship English I English III 14 The student knows elements and processes of 110.36.1.A,B,D 110.38.1.A,B,D Objectives: product planning. 110.36.2.A-B 110.38.2.A-B The students will: (A) Describe stages of new-product planning. 110.36.5.A,E 110.38.5.A,E  Collaborate as a group to decide on the (C) Identify stages of the product life cycle for new 110.36.7.F 110.38.7.F product or service that the Company will or existing products. English II English IV sell. Economics Advanced Studies 110.37.1.A,B,D 110.39.1.A,B,D  Narrow the list of potential business 1. The student will investigate, independently or 110.37.2.A-B 110.39.2.A-B ideas by answering critical questions collaboratively, a problem, issue, or concern within a 110.37.5.A,E 110.39.5.A,E about each one. selected profession or discipline. The student is 110.37.7.F 110.39.7.F expected to:

Concepts: Products, Prototyping, (A) analyze the relationship between his or her Services, Team building interests and career/discipline; (B) review literature from varied sources from the Skills: Analyzing and interpreting selected career or discipline; information, Brainstorming, Critical (C) identify a problem, issue, or concern reading, Decision making, Researching, Working in groups

10

JA Company Program – Blended

Session Details TEKS Social Studies TEKS ELA

Meeting Three: Vet the Venture 130.384 Entrepreneurship English I English III 3. (A) identify and analyze the four functions of a 110.36.1.A-D 110.38.1. A-D Objectives: small business; and 110.36.2.A-B 110.38.2.A-B The students will: (B) evaluate the issues involved with starting, taking 110.36.4.A,E,G 110.38. 4.A,E,G . Conduct research on top business ideas. over, or expanding an existing small business 110.36.5.A,E 110.38.5.A,E . Decide which product or service idea to 5. The student explains the goal of a business and its 110.36.7.F 110.38.7.F move forward with. unique proposition. The student is expected to: 110.36.11.A,B,E,F 110.38.11.A,B,E,F . Submit the product idea for approval. (A) describe the nature of a business and list the marketplace needs that it satisfies; English II English IV Concepts: Bylaws, Board of directors, (B) explain how a business's products and services 110.37.1. A-D 110.39.1. A-D Bookkeeping, Business plan, Capital, meet the needs of the market; 110.37.2.A-B 110.39.2.A-B Charter, s Dividend, Human resources, (C) list the specific consumers, organizations, or 110.37. 4.A,E,G 110.39. 4.A,E,G Liquidation, Marketing, Parliamentary businesses that a company targets or will target. 110.37.5.A,E 110.39.5.A,E procedure, Production, Profit, Public 110.37.7.F 110.39.7.F 118.12 Economics Advanced Studies 110.37.11.A,B,E,F 110.39.11.A,B,E,F relation 1. (D) survey and/or interview professionals to Market research, Market survey determine the appropriateness of a project; and (E) develop a proposal that includes well-defined Skills: Product analysis, Interpretation of questions, goals and objectives, rationale, and information, Working in groups procedures for the project.

11

JA Company Program – Blended

Session Details TEKS Social Studies TEKS ELA

Meeting Four: Create a Structure 130.384 Entrepreneurship English I English III 5. The student explains the goal of a business and its 110.36.1.A,B,D 110.38.1.A,B,D Objectives: unique proposition 110.36.2.A-B 110.38.2.A-B The students will: (E) create a well-orchestrated company description. 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E  Form and select Business Teams. 6. The student explains and demonstrates how to meet 110.36.9.A 110.38.9.A  Collaborate in Business Teams to the needs of a growing organization. The student is

determine leadership, conduct expected to: English II English IV research, and assign tasks in order (A) describe the role of operations and organization 110.37.1.A,B,D 110.39.1.A,B,D to launch the business. in a growing business; and 110.37.2.A-B 110.39.2.A-B  Work individually or with other (B) create an organizational chart that defines the 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H company members to conduct structure of a company 110.37.5.A,E 110.39.5.A,E research and complete tasks in 19. The student acquires foundational knowledge of 110.37.9.A 110.39.9.A order to launch the business. business laws and regulations to understand their . nature and scope. . Concepts: Break-even point, Business Plan, (A) identify the legal issues affecting businesses; and Cost- benefit analysis, Fixed costs, Gross (B) investigate the impact of the legal issues. profit, Material cost per unit, Net price, Product evaluation, Sales commission, 118.12 Economics Advanced Studies Variable costs 2. The student will demonstrate understanding of the research methods and/or technologies used in a Skills: Gathering and organizing selected profession or discipline. The student is information, Synthesizing and evaluating expected to: data, Working in groups (A) develop an understanding of the requirements and practices of the profession in the selected career or discipline through observation; (B) simulate the methods and/or technologies used in the research process particular to the selected field or discipline; and (C) review and revise the original proposal to reflect changes needed based upon preliminary research and practices.

12 JA Company Program – Blended

Session Details TEKS Social Studies TEKS ELA

Meeting Five: Launch the Business 130.384. Entrepreneurship English I English III 110.36.1.A-D 110.38.1.A-D Objectives: 3. (H) .Create and present a well-orchestrated business plan and critically explain the contents. 110.36.2.A-B 110.38.2.A-B The students will: 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 4. The student identifies the importance of a well- . Engage in business communication and 110.36.5.A,E 110.38.5.A,E written business plan. implementation. 110.36.9.A-C 110.38.9.A-C (A) identify the need for and the characteristics of a . Research business processes, and well-orchestrated business plan; integrate information across all teams. English II English IV (B) research business plan outlines, resources, and . Apply the concept of accountability to 110.37.1.A-D 110.39.1.A-D templates; and practices in the Company. 110.37.2.A-B 110.39.2.A-B (C) create and present a well-orchestrated business . Complete a business plan. 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H plan and critically explain the contents. 110.37.5.A,E 110.39.5.A,E

110.37.9.A-C 110.39.9.A-C 11. The student knows that pricing has policies, Concepts: Business plan, Meeting agenda, objectives, and strategies. The student is expected to: Parliamentary procedure (A) develop and analyze pricing objectives; (B) compare and contrast pricing policies for an Skills: Working in groups, Oral and written entrepreneurial venture; and communication, Public speaking, (C) recommend appropriate pricing strategies. Synthesizing and evaluating information 118.12 Economics Advanced Studies 3. The student will develop products that meet standards recognized by the selected profession or discipline. The student is expected to: (A) collaborate with the appropriate professionals to define the product; (B) develop a plan for product completion; (C) develop assessment criteria for successful completion of the project; (D) establish the appropriateness of the product for the intended audience; (E) implement the plan for product completion; and (F) maintain a journal to document all phases of the implementation of the plan and reflections on learning experiences and processes.

Meeting Six through Eleven: Run the Entrepreneurship English I English III 110.36.1.A,B,D 110.38.1.A,B,D Business (1) The student demonstrates professional 110.36.2.A-B 110.38.2.A-B Objectives: standards/employability skills as required by business 110.36.5.A,E 110.38.5.A,E and industry. 110.36.9.A 110.38.9.A The students will: (A) communicate effectively with others using  Practice business communication and speaking, listening, and writing skills; English II English IV implementation. (B) demonstrate collaboration skills through 110.37.1.A,B,D 110.39.1.A,B,D  Practice task prioritization. teamwork; 110.37.2.A-B 110.39.2.A-B  Practice follow-through. (C) demonstrate professionalism by conducting 110.37.5.A,E 110.39.5.A,E oneself in a manner appropriate for the profession and  Submit important information.  Practice problem solving workplace; (D) demonstrate a positive, productive work ethic by performing assigned tasks as directed; (E) demonstrate integrity by choosing the ethical course of action and complying with all applicable rules, laws, and regulations; (F) demonstrate time-management skills such as prioritizing tasks, following schedules, and tending to goal-relevant activities in ways that use time wisely and optimize efficiency and results; and (G) demonstrate leadership skills by participating in career and technical student organizations.

13

JA Company Program-Blended

Session Details TEKS Social Studies TEKS ELA

Topic: Capitalization 130.384 Entrepreneurship English I English III 110.36.1.A-D 110.38.1.A-D Objectives: 7. The student explains investment and financial resources to achieve business goals and objectives. 110.36.2.A-B 110.38.2.A-B The students will: The student is expected to: 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E  Explore sources of capital. (A) determine the financial plan, including financial 110.36.9.A 110.38.9.A  Consider which sources of capital might requirements and sources of financing; be used for the Company. (B) explain the idea of a growth strategy, including English II English IV  Research the process for developing a horizontal and vertical growth strategies; and 110.37.1.A-D 110.39.1.A-D pitch in order to build capital 110.37.2.A-B 110.39.2.A-B  Design and deliver a pitch. 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H 110.37.5.A,E 110.39.5.A,E 110.37.9.A 110.39.9.A Concepts: Business plan, Crowdfunding, Production, sales

Skills: listening, making observations, oral and written communication, working in groups

Topic: Finance 130.384. Entrepreneurship English I English III 8. The student demonstrates and explains financial 110.36.1. A,B,D 110.38.1. A,B,D Objectives: and accounting terms and forms. 110.36.2.A-B 110.38.2.A-B The students will: (A) Explain and define basic accounting functions 110.36.4.A,E,G,H 110.38. 4.A,E,G,H  Define key terms, including break-even and terms, including assets and types of assets, cash, 110.36.5.A,E 110.38.5.A,E accounts receivable fixed, liquid, illiquid, and point, fixed costs, variable costs, profit inventory goods on hand tax, and sales tax. English II English IV (B) Identify liabilities and types of liabilities such as 110.37.1. A,B,D 110.39.1. A,B,D  Forecast and calculate break-even points, accounts payable, long-term debt, and short-term debt 110.37.2.A-B 110.39.2.A-B using actual or hypothetical business (D) Create a balance sheet understanding the balance 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H data. sheet equation 110.37.5.A,E 110.39.5.A,E  Develop a budget including typical (E) Analyze profit and loss statement business expenses. (F) Evaluate revenues and types of revenues  Explore how to track financial (G) Determine expenses and types of expenses information, including capitalization, (H) analyze alternative accounting and internal investments, and sales. accounting controls; (I) discuss the importance of budgeting and cash flow; Concepts: Accounting software, Financial (J) use common accounting forms to demonstrate an records, Budget, Capitalization goals, Break understanding of their functions and results. even actuals, Inventory management 12. The student knows the importance of managing Skills: Evaluating and synthesizing the pricing structure. The student is expected to: information, Interpreting data, Working in (A) communicate the differences among pricing groups structures for goods, services, and ideas; (B) develop a pricing structure for an entrepreneurial venture; and (C) demonstrate how to calculate prices, markups, and discounts

14 JA Company Program-Blended

Session Details TEKS Social Studies TEKS ELA

Topic: Management and Leadership 130.384 Entrepreneurship English I English III 1.(G) demonstrate leadership skills by participating in 110.36.1.A,B,D 110.38.1.A,B,D Objectives: career and technical student organizations. 110.36.2.A-B 110.38.2.A-B The students will: 110.36.4.A,E,G,H 110.38. 4.A,E,G,H  Categorize leaders according to 17. The student understands the importance of a 110.36.5.A,E 110.38.5.A,E approach, in terms of both authority and business's social responsibility to society as it relates power. to shareholders, employees, customers, the English II English IV community, and the environment. The student is 110.37.1.A,B,D 110.39.1.A,B,D  Elect officers using a democratic process expected to discuss the responsibility of business. 110.37.2.A-B 110.39.2.A-B (or be able to describe the process, if the 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H Company does not elect leaders.) 110.37.5.A,E 110.39.5.A,E  Research how leaders influence others.

 Create an expression of how they would lead  Develop a TED-style talk on leadership.

Concepts: Business plan, Customer Service, Production, Sales

Skills: Oral and written communication, Making observations, Working in groups

Topic: Marketing 130.384 Entrepreneurship English I English III 13. The student knows elements and processes of 110.36.1.A-D 110.38.1.A-D Objectives: product planning. 110.36.2.A-B 110.38.2.A-B The students will: (A) explain the nature and scope of product planning; 110.36.4.A,E,G,H 110.38. 4.A,E,G,H . Generate key questions used in market (B) define the term product mix; and 110.36.5.A,E 110.38.5.A,E research. (C) identify stages of the product life cycle for . Describe how a company can use market business products. English II English IV research for product development. 110.37.1.A-D 110.39.1.A-D . Explain the concept of competitive 14 The student knows the process for development, 110.37.2.A-B 110.39.2.A-B advantage. implementation, and evaluation of a marketing plan. 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H . Identify and apply the Four Ps of (A) explain how market penetration strategies 110.37.5.A,E 110.39.5.A,E Marketing. contribute to successful marketing; . Design a company logo. (B) apply evaluation strategies to determine the effectiveness of market penetration strategies; . (C) illustrate the concept of promotional mix; (D) use appropriate technology to create promotional materials; Concepts: Best practices, E Commerce, (E) apply evaluation strategies to determine Group assessment, Production promotional campaign effectiveness; (F) describe the development of a sales force; Skills: Synthesizing and evaluating (G) apply evaluation strategies to determine the information, Making observations, Working effectiveness of sales activities. in groups 23. The student knows that marketing research is a specific inquiry to solve a problem.

15

JA Company Program – Blended

Session Details TEKS Social Studies TEKS ELA

Topic: Sales 130.384 Entrepreneurship English I English III 9. The student knows the effects of credit on 110.36.1.A-D 110.38.1.A-D Objectives: price and profit. The student is expected to: 110.36.2.A-B 110.38.2.A-B The students will: (A) identify types of consumer credit; 110.36.4.A,E,G,H 110.38. 4.A,E,G,H . Describe the differences and similarities (B) recommend types of consumer credit a 110.36.5.A,E 110.38.5.A,E between face-to-face and online selling. business might offer . Compare and apply either a transaction- English II English IV based or relationship-based selling 110.37.1.A-D 110.39.1.A-D approach. 110.37.2.A-B 110.39.2.A-B . Practice concrete tips for sales success, 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H such as setting individual sales goals. 110.37.5.A,E 110.39.5.A,E . Develop and record an elevator pitch for the Company’s product or service.

Concepts: Close, Production, sales call, Sales strategies , Training

Skills: Oral and written communication, Brainstorming, Publ speaking, Working in groups

Topic: Supply Chain 130.384 Entrepreneurship English I English III 110.36.1. A,B,D 110.38.1. A,B,D Objectives: 10. The student understands the importance of product management and how it meets the needs of 110.36.2.A-B 110.38.2.A-B The students will: the customer. 110.36.4.A,E,G,H 110.38. 4.A,E,G,H . Explore the interconnected links in a (A) explain product management; 110.36.5.A,E 110.38.5.A,E supply chain. (B) describe supply chain management . Describe the standards for English II English IV communicating about production. 15. The student knows that purchasing usually occurs 110.37.1.A,B,D 110.39.1. A,B,D . Apply the concept of quality control to in a continuous cycle. 110.37.2.A-B 110.39.2.A-B practices in the Company. (A) demonstrate the process of selecting suppliers 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H and sources; and 110.37.5.A,E 110.39.5.A,E (B) analyze and discuss selection of goods and Concepts: Distribution, Feedback loop, services based on operational needs. Production Quality control, Supply, Source,

, 22. The student knows the scope and nature of distribution. The student is expected to: Skills: Evaluating and synthesizing (A) define effective channels of distribution information, Interpreting production strategies, including activities associated with inventory, Working in groups transportation, storage, product handling, and inventory control; (B) explain how distribution can add value to goods, services, and intellectual property; and (C) determine costs associated with distribution.

16

JA Company Program – Blended

Session Details TEKS Social Studies TEKS ELA

Meeting Twelve: Liquidate the 130.384 Entrepreneurship English I English III Company 7. (C) Explain the idea of an exit strategy, including 110.36.1.A-D 110.38.1. A-D selling a business, going public, and liquidating a 110.36.2.A-B 110.38.2.A-B Objectives: business. 110.36.4.A,E,G 110.38. 4.A,E,G 110.36.5.A,E 110.38.5.A,E The students will: 118.12 Economics Advanced Studies 110.36.7.F 110.38.7.F . Explain and follow the liquidation 4, The student will demonstrate an understanding of 110.36.9.A-C 110.38.9.A-C process. the selected problem, issue, or concern by explaining 110.36.11.A,B,E,F 110.38.11.A,B,E,F . Complete business closing tasks. or justifying findings to an appropriate audience for . Create an annual report. public comment or professional response. The English II English IV

student is expected to: 110.37.1. A-D 110.39.1. A-D Liquidation, Parliamentary Concepts: (A) review and revise the plan to present the 110.37.2.A-B 110.39.2.A-B procedure findings; 110.37. 4.A,E,G 110.39. 4.A,E,G (B) make arrangements for the presentation of 110.37.5.A,E 110.39.5.A,E Skills: Individual and company reflection, findings to an appropriate audience; 110.37.7.F 110.39.7.F Group and self- assessment, Synthesizing (C) present findings, simulating the skills used by 110.37.9.A-C 110.39.9.A-C and evaluating Information, Working in professionals; 110.37.11.A,B,E,F 110.39.11.A,B,E,F groups (D) consider feedback received from the audience; (E) reflect on the study and its potential for impact on the field; and (F) reflect on personal learning experiences of the study

Meeting Thirteen: Create a Personal Economics Advanced Studies English I English III Action Plan 118.12.4.E Reflect on the study and its potential for 110.36.1.A-D 110.38.1. A-D impact on the field. 110.36.2.A-B 110.38.2.A-B Objectives: 118.12.4.F Reflect on personal learning experiences 110.36.4.A,E,G 110.38. 4.A,E,G of the study. 110.36.5.A,E 110.38.5.A,E The students will: 110.36.7.F 110.38.7.F  Explore the importance of networking. 110.36.9.A-C 110.38.9.A-C  Complete a Personal Action Plan. 110.36.11.A,B,E,F 110.38.11.A,B,E,F  Explore potential career options and tools for helping align interests with a career English II English IV path. 110.37.1. A-D 110.39.1. A-D 110.37.2.A-B 110.39.2.A-B Concepts: Action plan, Business 110.37. 4.A,E,G 110.39. 4.A,E,G opportunities, Entrepreneur 110.37.5.A,E 110.39.5.A,E 110.37.7.F 110.39.7.F Skills: Individual and company 110.37.9.A-C 110.39.9.A-C reflection and evaluation, Interpreting 110.37.11.A,B,E,F 110.39.11.A,B,E,F information, Self- assessment

17

JA Economics

TEKS English Session Details 118.4 Economics Language Arts

Topic One: Introduction to 1. Economics. The student understands the concepts of scarcity English I Economics Chapters 1-2 and opportunity costs. The student is expected to: 110.36.1. A,B,D (A) explain why scarcity and choice are basic economic problems 110.36.2.A-B Objectives: faced by every society; 110.36.4.A-I The students will: (B) describe how societies answer the basic economic questions; 110.36.5.A,E . Describe the nature of human wants (C) describe the economic factors of production; and 110.36.7.F and how they are satisfied (D) interpret a production-possibilities curve and explain the 110.36.9.A-C . Identify and define the four factors of concepts of opportunity costs and scarcity. 110.36.11.A,B,E,F production . Define the meanings of scarcity and 5. The student understands free enterprise, socialist, and English II opportunity cost communist economic systems. 110.37.1. A,B,D . Explain the key ideas in the economic (A) describe the basic characteristics of economic systems, 110.37.2.A-B way of thinking including property rights, incentives, economic freedom, 110.37. 4. A-I . Explain what it means to think at the competition, and the role of government; 110.37.5.A,E margin (B) compare the free enterprise system, socialism, and 110.37.7.F . Describe the choices businesses face communism using the basic characteristics of economic systems; 110.37.9.A-C and a major goal of business (C) examine current examples of free enterprise, socialist, and 110.37.11.A,B,E,F . Identify the basic economic decisions communist economic systems; facing all societies (D) understand that the terms free enterprise, free market, and English I . Describe the two branches of capitalism are synonymous terms to describe the U.S. economic 110.38.1. A,B,D economics system 110.38.2.A-B . Explain why private property, 6. The student understands the basic characteristics and benefits of 110.38.4.A-I specialization, voluntary exchange, the a free enterprise system. 110.38.5.A,E price system, market competition, and (A) explain the basic characteristics of the U.S. free enterprise 110.38.7.F entrepreneurship are considered the system, including private property, incentives, economic freedom, 110.38.9.A-C pillars of free enterprise competition, and the limited role of government; 110.38.11.A,B,E,F . Describe the nature of command, (B) explain the benefits of the U.S. free enterprise system, traditional, and mixed economic including individual freedom of consumers and producers, variety English II systems of goods, responsive prices, investment opportunities, and the 110.39.1. A,B,D . Explain the three kinds of models creation of wealth 110.39.2.A-B economists use 110.39. 4. A-I . Describe how the circular flow of 7. The student understands the right to own, use, and dispose of 110.39.5.A,E money, resources, and products private property. 110.39.7.F explains the function of a free market (A) analyze the costs and benefits of the purchase, use, or disposal of 110.39.9.A-C economy personal and business property; and 110.39.11.A,B,E,F . Define money and explain its three (B) identify and evaluate examples of restrictions that the functions government places on the use of business and individual property. . Identify the goals of the U.S. economic

system 8 The student understands the circular-flow model of the economy.

18 JA Economics

Session Details 118.4 Economics TEKS ELA

Topic Two: Supply, Demand, Market 2 Economics. The student understands the interaction of supply, English I Prices, and the Consumer Chapters 3-5 demand, and price. 110.36.1. A,B,D (A) understand the effect of changes in price on the quantity demanded 110.36.2.A-B Objectives: and quantity supplied; 110.36.4.A-I The students will: (B) identify the non-price determinants that create changes in supply 110.36.5.A-I . Explain the role prices play in a market and demand, which result in a new equilibrium price; and 110.36.9.A-C economy (C) Interpret a supply-and-demand graph using supply-and- . Define demand and describe how it demand schedules.. English II illustrates the price effect 110.37.1. A,B,D . Explain why people buy more of something 17. Personal financial literacy. The student understands the role of 110.37.2.A-B at lower prices and less at higher prices financial markets/institutions in saving, borrowing, and capital 110.37. 4. A-I . Describe the relationship between formation. 110.37.5. .A-I individuals’ demands and market demand (A) explain the functions of financial institutions and how they 110.37.9.A-C affect households and businesses; . Define the price elasticity of demand and (B) explain how the amount of savings in an economy is the basis English III explain what determines it of capital formation; 110.38.1. A,B,D . Describe the difference between the price (C) analyze the role of interest and risk in allocating savings to its 110.38.2.A-B effect and a change in demand most productive use; and 110.38. 4. A-I . Describe how supply is related to (D) Examine the types of accounts available to consumers from 110.38.5. .A-I opportunity cost financial institutions and the risks, monetary costs, and benefits of 110.38.9.A-C . Define supply and explain the price effect maintaining these accounts. related to supply English IV . Explain why producers want to sell more of 18. Personal financial literacy. The student understands the role of 110.39.1. A,B,D something at higher prices and less at lower individuals in financial markets. 110.39.2.A-B prices (A) assess ways to be a wise investor in the stock market and in 110.39. 4. A-I . Describe the relationship between market other personal investment options; 110.39.5. .A-I supply and the supplies of individual sellers (B) explain how to begin a savings program; 110.39.9.A-C . Explain the price elasticity of supply and (C) examine investment options available in a personal retirement what determines it plan; . Describe the difference between the price (D) demonstrate how to maintain a checking account, including effect and a change in supply reconciling a bank statement; . Describe how competitive markets “clear” (E) identify the types of loans available to consumers; the amount buyers want to purchase with (F) explain the responsibilities and obligations of borrowing the amount sellers want to sell money; and . Explain the nature of shortages and (G) Develop strategies to become a low-risk borrower by surpluses and how market competition improving one's personal credit score. eliminates them

. Describe how market-clearing prices 19. Personal financial literacy. The student applies critical-thinking motivate people to produce goods and skills to analyze the costs and benefits of personal financial services decisions. . Describe the kinds of changes that occur in (A) Examine ways to avoid and eliminate credit card debt. demand and supply, and how these changes affect market- clearing prices . Identify the two main sources of household income . Describe the factors that influence wealth accumulation . Explain how personal budgets help people make good choices as consumers and savers . Identify options to consider when making saving and investment decisions . Describe advantages and disadvantages of using credit . Explain how consumer interests are protected in our economy

19 JA Economics

Session Details 118.4 Economics TEKS ELA

Topic Three: Businesses and Their 9. The student understands types of market structures. English I Resources Chapters 7-11 110.36.1. A,B,D 10. The student understands key economic measurements. 110.36.2.A-B Objectives: (A) interpret economic data, including unemployment rate, gross 110.36.4.A-I domestic product, gross domestic product per capita as a measure of 110.36.5.A-I The students will: national wealth, and rate of inflation; and 110.36.9.A-C . Identify the characteristics of entrepreneurs (B) analyze business cycles using key economic indicators. . Explain the role of small business in the English II U.S. economy 11. The student understands key components of economic growth. 110.37.1. A,B,D . Identify information that can be helpful in 110.37.2.A-B starting a small business 16 Personal financial literacy. The student understands types of 110.37. 4. A-I . Explain advantages and disadvantages of business ownership. The student is expected to: 110.37.5. .A-I sole proprietorships, partnerships, and (A) explain the characteristics of sole proprietorships, partnerships, and 110.37.9.A-C corporations and identify other types of corporations; business organizations (B) analyze the advantages and disadvantages of sole proprietorships, English III . Describe how large corporations are partnerships, and corporations; 110.38.1. A,B,D organized (C) analyze the economic rights and responsibilities of businesses, 110.38.2.A-B . Describe how financial markets help including those involved in starting a small business; and 110.38. 4. A-I businesses obtain capital resources (D) explain how corporations raise money through stocks and bonds 110.38.5. .A-I . Define equity and explain how it is used to 110.38.9.A-C finance business growth 22. The student applies critical-thinking skills to organize and use . Define what a stock market is and describe information acquired from a variety of valid sources, including English IV why it is important electronic technology. 110.39.1. A,B,D . Distinguish between a balance and an 110.39.2.A-B income statement 23. The student communicates in written, oral, and visual forms. 110.39. 4. A-I . Define gross domestic product (GDP) and 110.39.5. .A-I how it is measured 24. The student uses problem-solving and decision-making skills, 110.39.9.A-C . Explain how real GDP is calculated and working independently and with others, in a variety of settings. how changes in real GDP affect living

standards

. Define real per capita GDP . Define the meaning of productivity . Identify ways in which businesses have improved productivity . Explain why production costs change as output changes . Define the law of diminishing marginal returns and how this law affects production costs . Explain economies of scale . List the effects of labor productivity . Describe major changes in the U.S. labor force over the past 100 years . Identify what accounts for differences in wages and salaries . Identify non-market forces that affect the labor force . Describe how unions arose in the U.S. and how their growth was influenced by legislation . Identify aspects of current labor- management relations . Explain how firms make production and pricing decisions . Describe the types of business mergers . Explain how marketing helps businesses compete . Identify the 4 P’s of marketing

20 JA Economics

Session Details 118.4 Economics TEKS ELA

Topic Four: Government, Banking, and 12. The student understands the role of money in an economy. English I Economic Stability Chapters 12 -14 110.36.1. A,B,D 13. The student understands the role of the Federal Reserve 110.36.2.A-B Objectives: System in establishing monetary policy. 110.36.4.A-I (A) explain the structure of the Federal Reserve System; 110.36.5.A-I The students will: (B) analyze the three basic tools used to implement U.S. monetary 110.36.9.A-C . Describe the four referee roles the federal policy, including reserve requirements, the discount rate and the government fulfills in the economy federal funds rate target, and open-market operations; English II . Explain how the federal government (C) explain how the actions of the Federal Reserve System affect 110.37.1. A,B,D manages the economy the nation's money supply; and 110.37.2.A-B . Describe how the federal government (D) analyze the decline in value of the U.S. dollar, including the 110.37. 4. A-I spends and raises its money abandonment of the gold standard. 110.37.5. .A-I . Identify and define the two principles of 110.37.9.A-C taxation 14. The student understands the role that the government plays in . Explain how proportional, progressive, and the U.S. free enterprise system. English III regressive taxes differ (A) identify economic concepts in the U.S. Constitution, including 110.38.1. A,B,D . Describe the justifications for and the property rights and taxation; 110.38.2.A-B criticisms of federal deficits and the (B) describe the role of government in the U.S. free enterprise 110.38. 4. A-I national debt system and the changes in that role over time; 110.38.5. .A-I . Define money and describe its functions (C) evaluate government rules and regulations in the U.S. free 110.38.9.A-C . Describe the kind of money in use in the enterprise system united states English IV . Explain the services banks and other 15. The student understands the economic impact of fiscal policy 110.39.1. A,B,D financial institutions offer decisions at the local, state, and national levels. 110.39.2.A-B . Describe how banks create money (A) identify types of taxes at the local, state, and national levels 110.39. 4. A-I . Explain what the federal reserve system is and the economic importance of each; 110.39.5. .A-I and what it does (B) analyze the categories of revenues and expenditures in the U.S. 110.39.9.A-C . Explain why the value of money changes federal budget; and . Identify the nature of inflation and describe (C) analyze the impact of fiscal policy decisions on the economy. how people are affected by it

. Identify and describe the major indicators 22. The student applies critical-thinking skills to organize and use economists use to measure the health of the information acquired from a variety of valid sources, including economy electronic technology. . Explain the components of the gross

domestic product 23. The student communicates in written, oral, and visual forms. . Define unemployment and describe the

types of unemployment 24. The student uses problem-solving and decision-making skills, . Explain the tools of fiscal policy working independently and with others, in a variety of settings. . Explain the tools of monetary policy

. Describe the advantages and disadvantages

of fiscal and monetary policies

21 JA Economics

Session Details 118.4 Economics TEKS English

Topic Five: The Global Economy 3. Economics. The student understands the reasons for international English I Chapters 15-16 trade and its importance to the United States and the global 110.36.1. A,B,D economy. 110.36.2.A-B Objectives: (A) explain the concepts of absolute and comparative advantages; 110.36.4.A-I The students will: (B) apply the concept of comparative advantage to explain why 110.36.5.A-I . Explain why international trade is and how countries trade; and 110.36.9.A-C considered a two-way street (C) analyze the impact of U.S. imports and exports on the United . Describe how imports and exports depend States and its trading partners. English II on each other 110.37.1. A,B,D . Explain how absolute and comparative 4. Economics. The student understands the issues of free trade and 110.37.2.A-B advantage differ the effects of trade barriers. The student is expected to: 110.37. 4. A-I . Explain why productivity is important in (A) compare the effects of free trade and trade barriers on 110.37.5. .A-I international trade economic activities; 110.37.9.A-C (B) evaluate the benefits and costs of participation in international . Identify the arguments for and against trade English III barriers free-trade agreements; and (C) analyze the effects of changes in exchange rates on imports and 110.38.1. A,B,D . Describe the purpose of international trade 110.38.2.A-B organizations exports. 110.38. 4. A-I . Explain the nature of exchange rates and 110.38.5. .A-I why they change 11. Economics. The student understands key components of economic growth. The student is expected to: 110.38.9.A-C . Explain why a nation’s balance of payments (A) analyze how productivity relates to growth; always balances (B) analyze how technology relates to growth; and English IV . Define and describe globalization (C) analyze how trade relates to growth. 110.39.1. A,B,D . Identify the worldwide changes that have 110.39.2.A-B occurred as a result of globalization 110.39. 4. A-I . Explain the relationship between economic 110.39.5. .A-I development and population growth 110.39.9.A-C . Describe how China has changed its economy to achieve greater prosperity . Identify the concerns about income growth in less- developed countries . Explain the role property rights and markets can play in the protection of environmental resources . Describe how governments can use market incentives to protect the environment

22 JA Exploring Economics

TEKS English Session Details TEKS Social Studies Language Arts

Session One: Economic Systems—Who 118.4 Economics English I English III Makes the Big Decisions? 5 The student understands free enterprise, socialist, 110.36.1.A-D 110.38.1.A-D 110.36.2.A-B 110.38.2.A-B Objectives: and communist economic systems. (A) describe the basic characteristics of economic 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E The students will: systems, including property rights, incentives,

. Analyze the impact of a society’s economic economic freedom, competition, and the role of English II English IV system on the decisions it makes about the government; 110.37.1.A-D 110.39.1.A-D production, distribution, and consumption (B) compare the free enterprise system, socialism, 110.37.2.A-B 110.39.2.A-B of goods and services. and communism using the basic characteristics of 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H . Evaluate how the following characteristics economic systems; 110.37.5.A,E 110.39.5.A,E affect the efficiency of a market: money, (C) examine current examples of free enterprise,

private property, limited government, socialist, and communist economic systems; exchange of resources in available markets, (D) understand that the terms free enterprise, free and entrepreneurship market, and capitalism are synonymous terms to describe the U.S. economic system; Concepts: Command economy, Distribution, Economic systems, Economics, Market 6. Economics. The student understands the basic economy, Production characteristics and benefits of a free enterprise system. Skills: Analyzing information, Categorizing data, Decision-making, Evaluating 23 Social studies skills. The student communicates alternatives, Oral and written communication, in written, oral, and visual forms. Reading for understanding, Working in groups

Session Two: Supply and 118.4 Economics English I English III Demand—What’s It Worth to You? 2. Economics. The student understands the 110.36.1.A-D 110.38.1.A-D 110.36.2.A-B 110.38.2.A-B Objectives: interaction of supply, demand, and price. The student is expected to: 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E The students will: (A) understand the effect of changes in price on

. Review the concepts of supply and demand the quantity demanded and quantity supplied; English II English IV . Define the term market- clearing price. (B) identify the non-price determinants that create 110.37.1.A-D 110.39.1.A-D . Demonstrate the interaction between supply changes in supply and demand, which result in a 110.37.2.A-B 110.39.2.A-B and demand in a free-market economy new equilibrium price 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H . Respond to real-life examples of price and 110.37.5.A,E 110.39.5.A,E other market forces that influence supply 6. Economics. The student understands the basic

and demand and the market- clearing price characteristics and benefits of a free enterprise system. The student is expected to: Concepts: Demand, Economics, Market- (A) explain the basic characteristics of the U.S. clearing Price, Supply, Supply and demand free enterprise system, including private property, incentives, economic freedom, competition, and Skills: Analyzing information, the limited role of government; Categorizing data, Decision-making, (B) explain the benefits of the U.S. free enterprise Evaluating alternatives, Listening for system, including individual freedom of consumers understanding, Oral and written and producers, variety of goods, responsive prices, communication, Working in groups investment opportunities, and the creation of wealth

23 (A-E) Social studies skills. The student communicates in written, oral, and visual forms.

23 JA Exploring Economics

Session Details TEKS Social Studies TEKS ELA

Session Three: Supply and Demand— 118.4 Economics English I English III The JA Market Game 2. Economics. The student understands the 110.36.1.A-D 110.38.1.A-D 110.36.2.A-B 110.38.2.A-B Objectives: interaction of supply, demand, and price. The student is expected to: 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E The students will: (A) understand the effect of changes in price on

. Explain the interaction between supply and the quantity demanded and quantity supplied; English II English IV demand in a free-market economy, with the (B) identify the non-price determinants that create 110.37.1.A-D 110.39.1.A-D market’s drive toward the market-clearing changes in supply and demand, which result in a 110.37.2.A-B 110.39.2.A-B price new equilibrium price; and 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H . Apply real-life examples of market forces (C) interpret a supply-and-demand graph using 110.37.5.A,E 110.39.5.A,E that influence supply and demand supply-and-demand schedules.6 (A-B) The student

understands the basic characteristics and benefits Concepts: Demand, Economics, Market- of a free enterprise system. clearing Price, Supply 24. Social studies skills. The student uses problem- Skills: Analyzing information, Categorizing solving and decision-making skills, working data, Charting, Decision- making, Graphing, independently and with others, in a variety of Negotiating, Oral and written settings. communication, Working in groups

Session Four: Saving, Spending, and 118.4 Economics English I English III Investing 17. Personal financial literacy. The student 110.36.1.A,B,D 110.38.1. A,B,D 110.36.2.A-B 110.38.2.A-B Objectives: understands the role of financial markets/institutions in saving, borrowing, and 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E The students will: capital formation.

. Recognize ways to earn and increase (A) explain the functions of financial institutions English II English IV wealth through saving and investing. and how they affect households and businesses; 110.37.1. A,B,D 110.39.1. A,B,D . Analyze examples of wealth acquired (B) explain how the amount of savings in an 110.37.2.A-B 110.39.2.A-B through saving and investing economy is the basis of capital formation; 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H . Evaluate different methods of saving and (C) analyze the role of interest and risk in 110.37.5.A,E 110.39.5.A,E investing, including varied risk and rewards allocating savings to its most productive use

Concepts: Banks as borrower and lender, 18. Personal financial literacy. The student Economics, Investing options, Risk versus understands the role of individuals in financial reward, Saving options, Simple interest markets. (B) explain how to begin a savings program; (C) examine investment options available in a Skills: Analyzing information, Categorizing personal retirement plan data, Decision-making, Oral and written communication, Public speaking, Reading for understanding, Working in groups

24 JA Exploring Economics

Session Details TEKS Social Studies TEKS ELA

Session Five: Government’s Role in 118.4 Economics English I English III the Market 7. The student understands the right to own, use, 110.36.1.A-D 110.38.1.A-D 110.36.2.A-B 110.38.2.A-B Objectives: and dispose of private property. 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E The students will: 15. Economics. The student understands the

. Categorize public versus private goods, and economic impact of fiscal policy decisions at the English II English IV explain why governments intervene in the local, state, and national levels. The student is 110.37.1.A-D 110.39.1.A-D economy by providing public goods expected to: 110.37.2.A-B 110.39.2.A-B . Express why individuals and businesses (A) identify types of taxes at the local, state, and 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H pay taxes national levels and the economic importance of 110.37.5.A,E 110.39.5.A,E . Analyze the impact of the government’s each;

role in protecting private property (B) analyze the categories of revenues and expenditures in the U.S. federal budget; and Concepts: Economics, Free-rider problem, (C) analyze the impact of fiscal policy decisions Non-rivalry, Private property, Public vs. on the economy. private goods, Public vs. private sector, Taxes 22. Social studies skills. The student applies critical-thinking skills to organize and use Skills: Analyzing information, information acquired from a variety of valid Categorizing data, Decision-making, Oral sources, including electronic technology. and written communication, Public speaking, Working in groups

Session Six: Money, Inflation, and 118.4 Economics English I English III the CPI 10 The student understands key economic 110.36.1.A-D 110.38.1.A-D 110.36.2.A-B 110.38.2.A-B Objectives: measurements. 110.36.4.A,E,G,H 110.38. 4.A,E,G,H 110.36.5.A,E 110.38.5.A,E The students will: 13. Economics. The student understands the role of

. Define inflation and demonstrate its the Federal Reserve System in establishing English II English IV connection to the availability and value of monetary policy. The student is expected to: 110.37.1.A-D 110.39.1.A-D money in a market, as well as its effect on (A) explain the structure of the Federal Reserve 110.37.2.A-B 110.39.2.A-B prices and consumer purchasing power System; 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H . Explain and calculate how the Consumer (B) analyze the three basic tools used to 110.37.5.A,E 110.39.5.A,E Price Index (CPI) measures consumer implement U.S. monetary policy, including reserve

prices requirements, the discount rate and the federal . Recognize that inflation can impair a funds rate target, and open-market operations; market economy by affecting consumer (C) explain how the actions of the Federal Reserve confidence and funds available for System affect the nation's money supply investment 23. Social studies skills. The student communicates Concepts: Consumer Price Index (CPI), in written, oral, and visual forms. Consumer purchasing power, Economics, Federal Reserve System, Inflation, Inflation 22. Social studies skills. The student applies rate, Percentage change, United States critical-thinking skills to organize and use Bureau of Labor Statistics (BLS) information acquired from a variety of valid sources, including electronic technology. Skills: Analyzing information Categorizing data, Oral and written communication, Public speaking, Reading for understanding, Solving algebraic equations, Working in pairs

25 JA Exploring Economics

Session Details TEKS Social Studies TEKS ELA

Session Seven: International Trade 118.4 Economics English I English III 110.36.1.A-D 110.38.1.A-D Objectives: 3. Economics. The student understands the reasons for international trade and its importance to the United 110.36.2.A-B 110.38.2.A-B The students will: States and the global economy. The student is expected 110.36.4.A,E,G,H 110.38. 4.A,E,G,H . Describe the significance of international to: 110.36.5.A,E 110.38.5.A,E trade (A) explain the concepts of absolute and comparative . Analyze the impact of trade on national advantages; English II English IV and international utility (B) apply the concept of comparative advantage to 110.37.1.A-D 110.39.1.A-D explain why and how countries trade; and 110.37.2.A-B 110.39.2.A-B Concepts: Economic isolationism, (C) analyze the impact of U.S. imports and exports on 110.37. 4.A,E,G,H 110.39. 4.A,E,G,H Economics, International trade, Regional the United States and its trading partners. 110.37.5.A,E 110.39.5.A,E trade, Trade restrictions, Tariff, Utility, World trade

Skills: Categorizing data, Evaluating information, Negotiating, Oral and written communication, Public speaking, Working in groups

26 JA Finance Park PBL

TEKS English Session Details TEKS Social Studies Language Arts

Unit 1: Income English I English III 113.49. Personal Financial Literacy Objectives: The students will: 1. Earning and spending. The student understands 110.36.1. A,B,D 110.38.1. A,B,D • Rate their interests, abilities, and how to set personal financial goals. The student is 110.36.2.A-B 110.38.2.A-B 110.36.4.A-I 110.38. 4. A-I values. expected to: 110.36.5.A,E 110.38.5.A,E • Determine work preferences and match (A) differentiate between needs and wants in evaluating spending decisions. 110.36.7.F 110.38.7.F them to career options. 110.36.9.A-C 110.38.9.A-C • Define taxes and explain their purpose (B) investigate the student's money personality, 110.36.11.A,B,E,F 110.38.11.A,B,E,F and impact on income. including spending and saving propensity • Calculate net monthly income. English II English IV 110.37.1. A,B,D 110.39.1. A,B,D 3. Earning and spending. The student analyzes 110.37.2.A-B 110.39.2.A-B Concepts: Career, Goals, Government, components of compensation from employment. 110.37. 4. A-I 110.39. 4. A-I Income, Values, Salary, Taxes, Wages The student is expected to: 110.37.5.A,E 110.39.5.A,E (A) identify benefits such as health insurance 110.37.7.F 110.39.7.F Skills: Active listening, critical thinking contributions, retirement benefits, sick leave, vacation pay, flexible spending account, health 110.37.9.A-C 110.39.9.A-C and reasoning, collaboration, employing 110.37.11.A,B,E,F 110.39.11.A,B,E,F valid research strategies, information savings account, workers compensation, life literacy, invention, self-knowledge and self- insurance, and disability insurance; reflection, math computation, reading, (B) identify taxes that are deducted from paychecks, including Federal Insurance speaking and listening, using technology to Contributions Act (FICA) and federal income taxes; enhance productivity and (C) calculate gross and net pay using information on a paycheck.

118.4 Economics 23. Social studies skills. The student communicates in written, oral, and visual forms. 21. Personal financial literacy. The student understands the various methods available to pay for college and other postsecondary education and training. 24. Social studies skills. The student uses problem- solving and decision-making skills, working independently and with others, in a variety of settings.

27 JA Finance Park PBL

Session Details TEKS Social Studies TEKS ELA

Unit 2: Saving, Investing and Risk 113.49. Personal Financial Literacy English I English III Management 5. Saving and investing. The student 110.36.1. A-D 110.38.1. A-D 110.36.2.A-B 110.38.2.A-B Objectives: The students will: understands the importance of saving and investing in creating wealth and building assets. 110.36.4.A-I 110.38. 4. A-I • Identify the benefits of saving a portion of The student is expected to: 110.36.5.A,E 110.38.5.A,E income for future use. 110.36.7.F 110.38.7.F (A) develop a short-term saving strategy to • Explain short- and long-term saving 110.36.9.A-E 110.38.9.A-E achieve a goal such as establishing and options. 110.36.10.B 110.38.10.B maintaining an emergency fund; • Explain some of the advantages and 110.36.11.A,B,E,F 110.38.11.A,B,E,F disadvantages of various saving and (B) develop an intermediate-term saving and investing options. investing strategy to achieve a goal such as English II English IV accumulating a down payment on a home or • Assess personal risk and risk management. 110.37.1. A-D 110.39.1. A-D vehicle 110.37.2.A-B 110.39.2.A-B

6. Saving and investing. The student 110.37. 4. A-I 110.39. 4. A-I Concepts: Benefits, Goals, Interest, understands the implementation of a saving and 110.37.5.A,E 110.39.5.A,E Saving, Savings, Investment, Opportunity investing plan. 110.37.7.F 110.39.7.F cost, Risk 7. Saving and investing. The student 110.37.9.A-E 110.39.9.A-E demonstrates an understanding of the 110.37.10.B 110.39.10.B Skills: Active listening, brainstorming, importance of planning for retirement. 110.37.11.A,B,E,F 110.39.11.A,B,E,F comparing, critical thinking and reasoning, 11. Insuring and protecting. The student collaboration, decision making, following recognizes financial risks faced by individuals directions, information literacy, math and families and identifies strategies for computation, reading for information, self- handling these risks. direction, speaking and listening, teamwork, summary writing 12. Insuring and protecting. The student identifies the costs and benefits of insurance for transferring risk. 118.4 Economics 17. Personal financial literacy. The student understands the role of financial markets/institutions in saving, borrowing, and capital formation. 18. Personal financial literacy. The student understands the role of individuals in financial markets. 24. Social studies skills. The student uses problem-solving and decision-making skills, working independently and with others, in a variety of settings.

28 JA Finance Park PBL

TEKS English Session Details TEKS Social Studies Language Arts

Unit 3: Debit and Credit 113.49. Personal Financial Literacy English I English III Objectives: The students will: 8. Credit and borrowing. The student 110.36.1. A-D 110.38.1. A-D understands the use of credit to make purchases. 110.36.2.A-B 110.38.2.A-B  Define financial institutions and identify 110.36.4.A-I 110.38. 4. A-I the services they provide. (A) compare and contrast sources of credit such as banks, merchants, peer-to-peer, payday loans, 110.36.5.A,E 110.38.5.A,E  Examine debit and credit cards and their and title loans; 110.36.7.F 110.38.7.F use. (B) compare and contrast types of credit, 110.36.9.A-C 110.38.9.A-C  Explain the benefits and common pitfalls including revolving and installment credit, and 110.36.11.A,B,E,F 110.38.11.A,B,E,F of credit cards. collateralized loans versus unsecured credit; and  Explain the benefits of debit cards. (C) evaluate the impact of credit decisions on English II English IV 110.37.1. A-D 110.39.1. A-D  Define credit score and describe how it monthly budget, income statement, and net worth statement. 110.37.2.A-B 110.39.2.A-B influences the ability to get credit and 110.37. 4. A-I 110.39. 4. A-I borrow money. 9. Credit and borrowing. The student identifies 110.37.5.A,E 110.39.5.A,E factors that affect credit worthiness. 110.37.7.F 110.39.7.F Concepts: Banking, Credit, Credit reports, (B) describe how to access and interpret a 110.37.9.A-C 110.39.9.A-C sample credit report and score; Credit score, Debit, Debt, Deposit 110.37.11.A,B,E,F 110.39.11.A,B,E,F insurance, (C) describe the importance of monitoring Financial responsibility, Identity theft, credit reports regularly and addressing mistakes; Interest, Loans, Payment methods (D) identify factors that could lead to bankruptcy such as medical expenses, job loss, Skills: Comprehension and collaborative divorce, or a failed business; and learning, critical thinking and reasoning, (E) appraise the impact of borrowing decisions information literacy, inquiry, speaking and on credit score, including consequences of poor listening, research strategies, self- credit management and bankruptcy direction, small group discussion, 10. Credit and borrowing. The student evaluates vocabulary acquisition a decision to use credit. (C) differentiate between the use and cost of debit and credit cards. 118.4 Economics 18. Personal financial literacy. The student understands the role of individuals in financial markets. 19. Personal financial literacy. The student applies critical-thinking skills to analyze the costs and benefits of personal financial decisions. 24. Social studies skills. The student uses problem-solving and decision-making skills, working independently and with others, in a variety of settings.

29 JA Finance Park PBL

TEKS English Session Details TEKS Social Studies Language Arts

Unit 4: Budget+ 113.49. Personal Financial Literacy English I English III . Objectives: The students will: 1. Earning and spending. The student understands 110.36.1. A,B,D 110.38.1. A,B,D how to set personal financial goals. The student is 110.36.2.A-B 110.38.2.A-B  Categorize spending by needs and expected to: 110.36.4.A-I 110.38. 4. A-I wants. (A) differentiate between needs and wants in 110.36.5.A,E 110.38.5.A,E  Compare teen and adult spending evaluating spending decisions. 110.36.7.F 110.38.7.F patterns. 110.36.9.A-C 110.38.9.A-C 2 (D) Develop financial goals for the short, 110.36.11.A,B,E,F 110.38.11.A,B,E,F  Determine which categories belong in a medium, and long term that are specific,

budget. measurable, attainable, realistic, and time based. English II English IV  Relate the need to save money to meet (F) Evaluate the impact of unplanned spending 110.37.1. A,B,D 110.39.1. A,B,D on a budget. goals. 110.37.2.A-B 110.39.2.A-B  Prepare a budget using goals and 118.4. Economics 110.37. 4. A-I 110.39. 4. A-I income. 110.37.5.A,E 110.39.5.A,E 20. Personal financial literacy. The student 110.37.7.F 110.39.7.F understands how to provide for basic needs while Concepts: Wants and needs, Goal setting, 110.37.9.A-C 110.39.9.A-C living within a budget. 110.37.11.A,B,E,F 110.39.11.A,B,E,F Impulse buying, Budgets, Categorizing spending 22. Social studies skills. The student applies critical-thinking skills to organize and use Skills: Active listening, critical thinking, information acquired from a variety of valid self-knowledge, self-reflection, math sources, including electronic technology. computation, reading, working in pairs and teams, and interpreting and working with data

Unit 5: Simulation and Debriefing 113.49. Personal Financial Literacy English I English III Objectives: The students will: 2 (B) Track income and expenses and develop an 110.36.1. A-D 110.38.1. A-D income statement; and 110.36.2.A-B 110.38.2.A-B  Create a family budget using (C) develop a budget that incorporates short-, 110.36.4.A-I 110.38. 4. A-I hypothetical life situations. medium-, and long-term financial goals. 110.36.5.A,E 110.38.5.A,E  Make saving and investment decisions. 4. Earning and spending. The student critically 110.36.7.F 110.38.7.F  Reflect on their simulation experience. evaluates consumption decisions. 110.36.9.A-C 110.38.9.A-C 110.36.11.A,B,E,F 110.38.11.A,B,E,F 5. Saving and investing. The student understands Concepts: Budget, Expenses, Income, the importance of saving and investing in creating Needs, Savings, Taxes, Wages, Wants English II English IV wealth and building assets. 110.37.1. A-D 110.39.1. A-D

Skills: Active listening, critical thinking, 110.37.2.A-B 110.39.2.A-B 118.4 Economics 110.37. 4. A-I 110.39. 4. A-I interpersonal communication, math 20. Personal financial literacy. The student 110.37.5.A,E 110.39.5.A,E computation, self-reflection, teamwork understands how to provide for basic needs while 110.37.7.F 110.39.7.F living within a budget. 110.37.9.A-C 110.39.9.A-C

110.37.11.A,B,E,F 110.39.11.A,B,E,F 22. Social studies skills. The student applies critical-thinking skills to organize and use information acquired from a variety of valid sources, including electronic technology

24. Social studies skills. The student uses problem-solving and decision-making skills, working independently and with others, in a variety of settings.

30 JA Job Shadow

TEKS English Session Details TEKS Social Studies PA Academic Language Arts Standards

Session One: Before the Hunt 127.14. Career Preparation I English I English III 2. The student develops skills for success in the 110.36.1.A,B,D 110.38.1.A,B,D Objectives: workplace. 110.36.2.A-B 110.38.2.A-B The students will: (A) identify and model appropriate grooming and 110.36.5.A,E 110.38.5.A,E . Recognize career clusters that match their appearance for the workplace; 110.36.11.A,C,E 110.38.11.A,C,E skills and interest (B) demonstrate dependability, punctuality, and . Demonstrate self-awareness of their soft initiative; English II English IV skills in work scenarios (C) research positive interpersonal skills, 110.37.1.A,B,D 110.39.1.A,B,D including respect for diversity; 110.37.2.A-B 110.39.2.A-B (D) model appropriate business and personal 110.37.5.A,E 110.39.5.A,E etiquette in the workplace; 110.37.11.A,C,E 110.39.11.A,C,E (E) exhibit productive work habits, ethical practices, and a positive attitude

Session Two: Perfect Match 127.14. Career Preparation I Engli sh I English III 1. The student demonstrates professional 110.36.1.A,B,D 110.38.1.A,B,D Objectives: employability skills to gain an entry-level 110.36.2.A-B 110.38.2.A-B The students will: position. The student is expected to: 110.36.5.A,E 110.38.5.A,E 110.36.11.A,C,E 110.38.11.A,C,E . Review methods of identifying job (A) identify employment opportunities;

openings (B) demonstrate the application of essential English II English IV . Demonstrate professional interviewing workplace knowledge and skills; 110.37.1.A,B,D 110.39.1.A,B,D skills (D) demonstrate proper interview techniques in 110.37.2.A-B 110.39.2.A-B . Express expectations for the upcoming various situations site visit 110.37.5.A,E 110.39.5.A,E 110.37.11.A,C,E 110.39.11.A,C,E

Session Three: Get Hired: 127.13. Career Preparation I English I English III Collaboration and Creativity 3. The student applies work ethics, employer 110.36.1.A,B,D 110.38.1.A,B,D expectations and interactions with diverse 110.36.2.A-B 110.38.2.A-B Objectives: populations, and communication skills in the 110.36.5.A,E 110.38.5.A,E workplace. The students will: 110.36.11.A,C,E 110.38.11.A,C,E (A) illustrate how personal integrity affects . Evaluate personal priorities based on their site visit experience human relations on the job; English II English IV (B) research characteristics of successful working . Showcase identified skills 110.37.1.A,B,D 110.39.1.A,B,D relationships such as teamwork, conflict . Apply program knowledge to at least one 110.37.2.A-B 110.39.2.A-B resolution, self-control, and ability to accept of four career preparation tools—career 110.37.5.A,E 110.39.5.A,E criticism; assessment, elevator pitch, resume, or 110.37.11.A,C,E 110.39.11.A,C,E (C) discuss and analyze employer expectations infographic profile

31 JA Personal Finance– Blended

Session Details TEKS Social Studies TEKS English Language Arts

Session One: Earning, Employment, and Personal Financial Literacy 113.49 English I English III Income 1. Earning and spending. The student understands 110.36.1.A,B,D 110.38.1.A,B,D how to set personal financial goals. The student is 110.36.2.A-B 110.38.2.A-B Students learn that healthy personal finances expected to: 110.36.4.H 110.38.4.H require planning and managing. Students (A) (A) differentiate between needs and wants in 110.36.5.A,E,F,G 110.38.5.A,E,F,G begin to analyze the financial implications of evaluating spending decisions; 110.36.7.F 110.38.7.F educational and career choices as a basis for(B) (B) investigate the student's money personality, understanding the relationship between including spending and saving propensity English II English IV earnings and personal finance.. 110.37.1.A,B,D 110.39.1.A,B,D 15. College and postsecondary education and 110.37.2.A-B 110.39.2.A-B Objectives 110.37.4.H 110.39.4.H Students will be able to: training. The student recognizes the costs and 110.37.5.A,E,F,G 110.39.5.A,E,F,G  Define a relationship between educational benefits of various types of college, postsecondary education, and training. 110.37.7.F 110.39.7.F choices and career prospects, and job satisfaction. (A) (A) analyze the relationship between education  Cite evidence to support the relationship and training and earnings between educational choices and earning potential. 16. College and postsecondary education and  Recognize that education and training training. The student understands various options affect lifetime income for paying for college, postsecondary education, and training ALO

Session Two: Budgeting Personal Financial Literacy 113.49 English I English III 2. Earning and spending. The student understands 110.36.1.A,B,D 110.38.1.A,B,D Students investigate the importance of how financial statements are used to assess and 110.36.2.A-B 110.38.2.A-B budgeting and how to plan for staying within a monitor financial well-being. The student is 110.36.4.H 110.38.4.H budget. expected to: 110.36.5.A,E,F,G 110.38.5.A,E,F,G Objectives (A) (A) reconcile a bank statement with personal 110.36.7.F 110.38.7.F Students will be able to: records to ensure the accuracy of deposits,  Recognize the importance of making and withdrawals, and transfer activities; ALO* English II English IV keeping a budget or spending plan. (B) (B) track income and expenses and develop an 110.37.1.A,B,D 110.39.1.A,B,D  Consider the wide range of expenditures income statement; 110.37.2.A-B 110.39.2.A-B that might make up a monthly budget (C) (C) develop a budget that incorporates short-, 110.37.4.H 110.39.4.H medium-, and long-term financial goals; 110.37.5.A,E,F,G 110.39.5.A,E,F,G (F) evaluate the impact of unplanned spending on 110.37.7.F 110.39.7.F a budget

32 JA Personal Finance– Blended

TEKS English Session Details TEKS Social Studies Session Details Language Arts

Session Three: Savings Personal Financial Literacy 113.49 English I English III 110.36.1.A,B,D 110.38.1.A,B,D Students analyze the role that saving plays in 5. Saving and investing. The student understands 110.36.2.A-B 110.38.2.A-B their personal finances. They recognize that the importance of saving and investing in creating 110.36.4.H 110.38.4.H having a healthy savings plan is necessary in wealth and building assets. 110.36.5.A,E,F,G 110.38.5.A,E,F,G all phases of life, but is especially critical for(A) (A) develop a short-term saving strategy to achieve 110.36.7.F 110.38.7.F big-ticket items and emergencies. a goal such as establishing and maintaining an 110.36.11.F 110.38.11.F emergency fund;

Objectives (B) (B) develop an intermediate-term saving and English II English IV Students will be able to: investing strategy to achieve a goal such as 110.37.1.A,B,D 110.39.1.A,B,D  Recognize high-dollar items and accumulating a down payment on a home or vehicle unexpected costs that require savings. 110.37.2.A-B 110.39.2.A-B  Review key concepts related to 110.37.4.H 110.39.4.H successfully saving money. 110.37.5.A,E,F,G 110.39.5.A,E,F,G 110.37.7.F 110.39.7.F 110.37.11.F 110.39.11.F

Session Four: Credit and Debt Personal Financial Literacy 113.49 English I English III Students explore the importance of credit and 9. Credit and borrowing. The student identifies 110.36.1.A,B,D 110.38.1.A,B,D identify the outcomes of wise and poor uses factors that affect credit worthiness. The student is 110.36.2.A-B 110.38.2.A-B of credit. Students role-play as lenders to expected to: 110.36.4.A,B,F 110.38.4. A,B,F evaluate risk and make decisions about (A) (A) discuss how character, capacity, and collateral 110.36.5.A,E,F,G 110.38.5.A,E,F,G giving credit. can adversely or positively impact an individual's 110.36.7.F 110.38.7.F credit rating and the ability to obtain credit; Objectives (B) (B) describe how to access and interpret a sample English II English IV Students will be able to: credit report and score; 110.37.1.A,B,D 110.39.1.A,B,D  Differentiate between credit and debt.(C) (C) describe the importance of monitoring credit 110.37.2.A-B 110.39.2.A-B  Recognize the factors that affect an reports regularly and addressing mistakes 110.37.4. A,B,F 110.39.4. A,B,F individual’s credit score and credit 110.37.5.A,E,F,G 110.39.5.A,E,F,G history. 110.37.7.F 110.39.7.F  Recognize the consequences of a low credit score

33 JA Personal Finance– Blended

TEKS English Session Details TEKS Social Studies Language Arts

Session Five: Consumer Protection Personal Financial Literacy 113.49 English I English III Students investigate factors that may pose a 13. Insuring and protecting. The student 110.36.1.A,B,D 110.38.1.A,B,D threat to their finances and learn ways they understands how to identify and protect themselves 110.36.2.A-B 110.38.2.A-B can protect themselves through vigilance and from frauds, schemes, and scams. The student is 110.36.4.A,B,F 110.38.4. A,B,F making smart choices. expected to: 110.36.5.A,E,F,G 110.38.5.A,E,F,G (A) (A) identify ways to protect personal information 110.36.7.F 110.38.7.F Objectives and reduce risk of identity theft; 110.36.11.F Students will be able to: (B) recognize common schemes and scams such as English IV  Identify behaviors that may harm their investment, pyramid, phishing, check cashing, and English II 110.39.1.A,B,D personal finances. home renovation scams; and 110.37.1.A,B,D 110.39.2.A-B  Recognize ways to protect their (C) (C) demonstrate an understanding of how to use 110.37.2.A-B 110.39.4. A,B,F finances. consumer protection agencies such as the Better 110.37.4. A,B,F 110.39.5.A,E,F,G  Define credit report Business Bureau, Consumer Financial Protection 110.37.5.A,E,F,G 110.39.7.F  Summarize the rights people have to Board, or the Texas State Securities Board to 110.37.7.F examine their credit reports. research and report fraud. 110.37.11.F  Define identity theft and propose solutions to identity theft..

Session Six: Smart Shopping Personal Financial Literacy 113.49 English I English III Students explore making informed 4. Earning and spending. The student critically 110.36.1.A,B,D 110.38.1.A,B,D purchasing decisions to maximize their evaluates consumption decisions. The student is 110.36.2.A-B 110.38.2.A-B buying power. They work in groups to expected to: 110.36.4.H 110.38.4.H compare prices in a simulated shopping (D) apply strategies for making informed decisions 110.36.5.A,E,F,G 110.38.5.A,E,F,G experience. about purchasing consumer goods such as 110.36.7.F 110.38.7.F comparing prices per unit, looking for sales or 110.36.11.F 110.38.11.F Objectives promotions, [and negotiating price.] Students will be able to: English II English IV  Identify the factors necessary for 110.37.1.A,B,D 110.39.1.A,B,D making an informed purchase. 110.37.2.A-B 110.39.2.A-B  Compare and contrast prices and data 110.37.4.H 110.39.4.H when making a purchase decision. 110.37.5.A,E,F,G 110.39.5.A,E,F,G  Calculate savings gained through smart 110.37.7.F 110.39.7.F shopping. 110.37.11.F 110.39.11.F

34 JA Personal Finance– Blended

TEKS English Session Details TEKS Social Studies Language Arts

Session Seven: Risk Management Personal Financial Literacy 113.49 English I English III Students explore making informed 11. Insuring and protecting. The student recognizes 110.36.1.A-D 110.38.1.A-D purchasing decisions to maximize their financial risks faced by individuals and families 110.36.2.A-B 110.38.2.A-B buying power. They work in groups to and identifies strategies for handling these risks. 110.36.4.A,B,F 110.38.4. A,B,F compare prices in a simulated shopping The student is expected to: 110.36.5.A,E,F,G 110.38.5.A,E,F,G experience. (A) (A) identify risk as potential loss of assets or 110.36.7.F 110.38.7.F earning potential; and Objectives (B) (B) apply risk management strategies, including English II English IV Students will be able to: avoiding, reducing, retaining, and transferring risk 110.37.1.A-D 110.39.1.A-D  Recognize risk of financial loss as an 110.37.2.A-B 110.39.2.A-B everyday reality for everyone. 110.37.4. A,B,F 110.39.4. A,B,F  Recognize risk management strategies 110.37.5.A,E,F,G 110.39.5.A,E,F,G and apply them appropriately. 110.37.7.F 110.39.7.F  Understand the role of personal responsibility in preventing financial loss.

Session Eight: Investing Personal Financial Literacy 113.49 English I English III 5. Saving and investing. The student understands 110.36.1.A-D 110.38.1.A-D Students explore investing and work in the importance of saving and investing in creating 110.36.2.A-B 110.38.2.A-B groups to simulate evaluating investments wealth and building assets. 110.36.4.A,B,F 110.38.4. A,B,F with different levels of risk and reward. (D) develop a long-term investing strategy to 110.36.5.A,E,F,G 110.38.5.A,E,F,G Students explore making informed achieve a goal such as a financially secure 110.36.7.F 110.38.7.F purchasing decisions to maximize their retirement buying power. They work in groups to English II English IV compare prices in a simulated shopping (6) Saving and investing. The student understands 110.37.1.A-D 110.39.1.A-D experience. the implementation of a saving and investing plan. 110.37.2.A-B 110.39.2.A-B The student is expected to: 110.37.4. A,B,F 110.39.4. A,B,F Objectives (A) (A) discuss the role of financial institutions and 110.37.5.A,E,F,G 110.39.5.A,E,F,G Students will be able to: markets in saving and investing; 110.37.7.F 110.39.7.F  Understand the role of compound (B) demonstrate the impact of compound growth over

interest in the growth of wealth over time; time. (C) (C) evaluate the costs and benefits of various  Recognize that investment options carry savings options such as bank savings accounts, different levels of certificates of deposit, and money market mutual  risk and reward. funds; and  Analyze the risk tolerances for different(D) evaluate risk and return of various investment investment strategies. options, including stocks, bonds, and mutual funds

35

JA Titan

TEKS English Session Details TEKS Social Studies Language Arts

Session One: How Much? How 118.4 Economics English I English III Many? 2. The student understands the interaction of 110.36.1.A-D 110.38.1.A-D supply, demand, and price. 110.36.2.A-B 110.38.2.A-B Objectives: 110.36.4.A,B 110.38.4. A,B (A) understand the effect of changes in price on 110.36.5.A,E,F,G 110.38.5.A,E,F,G The students will: the quantity demanded and quantity supplied; 110.36.7.F 110.38.7.F . Explain how product price makes an (B) identify the non-price determinants that impact on profits create changes in supply and demand, which English II English IV . Describe how production can affect result in a new equilibrium price 110.37.1.A-D 110.39.1.A-D price, sales, and profit 110.37.2.A-B 110.39.2.A-B

130.384. Entrepreneurship 110.37.4.A,B 110.39.4.A,B Assembly line, Break- even Concepts: 2. The student demonstrates an understanding of 110.37.5.A,E,F,G 110.39.5.A,E,F,G point, Business Management, Fixed costs, entrepreneurship and the entrepreneurial way of 110.37.7.F 110.39.7.F Law Of diminishing returns, Loss, Price, life. Product, Production, Profit, Resources, 11. The student knows that pricing has policies, Variable costs objectives, and strategies. (A) develop and analyze pricing objectives; Skills: Data analysis, Decision- (B) compare and contrast pricing policies for an making, Math skills, Oral entrepreneurial venture; and communication, Working in groups (C) recommend appropriate pricing strategies.

Session Two: How Much? How 118.4 Economics English I English III Many?–The Simulation 2. The student understands the interaction of 110.36.1.A,B,D 110.38.1.A,B,D 110.36.2.A-B 110.38.2.A-B Objectives: supply, demand, and price. 110.36.4.H 110.38.4. H The students will: 130.384. Entrepreneurship 110.36.5.A,E 110.38.5.A,E . Make informed business price and 11. The student knows that pricing has policies, 110.36.7.F 110.38.7.F production decisions objectives, and strategies. (A) develop and analyze pricing objectives; English II English IV 110.37.1.A,B,D 110.39.1.A,B,D Concepts: Business management, Fixed (B) compare and contrast pricing policies for an 110.37.2.A-B 110.39.2.A-B costs, Law of diminishing returns, Price, entrepreneurial venture; and 110.37.4. H 110.39.4.H production, Variable costs (C) recommend appropriate pricing strategies. 110.37.5.A,E 110.39.5.A,E

110.37.7.F 110.39.7.F Skills: Data analysis, Decision- making, Math skills, Oral communication, Working in groups

36 JA Titan

TEKS English Session Details TEKS Social Studies Language Arts

Session Three: Cutting Edge 130.384. Entrepreneurship English I English III 110.36.1.A-D 110.38.1.A,B,D Objectives: 23. The student knows that marketing research is a specific inquiry to solve a problem. 110.36.2.A-B 110.38.2.A-B The students will: (A) identify benefits and limitations of marketing 110.36.4.A,B,H 110.38.4. A,B . Explore why a business conducts research; 110.36.5.A,E,F,G 110.38.5.A,E,F,G research and development (B) identify components of the marketing research 110.36.7.F 110.38.7.F . Explain how businesses determine their process; target markets and conduct market (C) explain how to use the marketing research English II English IV research process in order to identify industry trends and 110.37.1.A-D 110.39.1.A,B,D . Explain how marketing affects sales potential markets, analyze demand, forecast sales, 110.37.2.A-B 110.39.2.A-B . Identify key marketing strategies and make other decisions 110.37.4.A,B,H 110.39.4.A,B 110.37.5.A,E,F,G 110.39.5.A,E,F,G Concepts: Demographics, 4 P’s of 24. The student knows the process of collecting 110.37.7.F 110.39.7.F marketing, Market research, marketing, marketing information to facilitate decision Product life cycle, Research and making.. development, Target market (A) conduct a market analysis; (B) use appropriate technology to obtain information about the industry, customer, and Skills: Analyzing information, Critical competition; and thinking, Decision- making, Mathematical (C) conduct an analysis of strengths, weaknesses, skills, Oral communication, Planning, opportunities, and threats Working in groups

Session Four: Cutting Edge–The 130.384. Entrepreneurship English I English III Simulation 23. The student knows that marketing research is a 110.36.1.A,B,D 110.38.1.A,B,D 110.36.2.A-B 110.38.2.A-B Objectives: specific inquiry to solve a problem. (A) identify benefits and limitations of marketing 110.36.4.H 110.38.4. H The students will: research; 110.36.5.A,E 110.38.5.A,E . Make informed research and (B) identify components of the marketing research 110.36.7.F 110.38.7.F development and marketing decisions process; (C) explain how to use the marketing research English II English IV 110.37.1.A,B,D 110.39.1.A,B,D Concepts: Demographics, 4 P’s of process in order to identify industry trends and 110.37.2.A-B 110.39.2.A-B marketing, Market research, Marketing, potential markets, analyze demand, forecast sales, 110.37.4. H 110.39.4.H Price, Production, Product life cycle, and make other decisions 110.37.5.A,E 110.39.5.A,E Research and development, Target market 110.37.7.F 110.39.7.F 24. The student knows the process of collecting

Skills: Analyzing information, Critical marketing information to facilitate decision thinking, Decision- making, Mathematical making.. skills, Oral communication, Planning, (A) conduct a market analysis; Working in groups (B) use appropriate technology to obtain information about the industry, customer, and competition; and (C) conduct an analysis of strengths, weaknesses, opportunities, and threats

37 JA Titan

TEKS English Session Details TEKS Social Studies Language Arts

Session Five: Make an Investment 118.4 Economics English I English III 110.36.1.A-D 110.38.1.A,B,D Objectives: 11. Economics. The student understands key components of economic growth. 110.36.2.A-B 110.38.2.A-B The students will: 110.36.4.A,B,H 110.38.4. A,B . Discuss reasons that businesses use 130.384. Entrepreneurship 110.36.5.A,E,F,G 110.38.5.A,E,F,G different capital investment strategies 6. The student explains and demonstrates how to 110.36.7.F 110.38.7.F . Make recommendations for capital meet the needs of a growing organization. The investment based on set parameters student is expected to: English II English IV . Define charitable giving and explain (A) describe the role of operations and 110.37.1.A-D 110.39.1.A,B,D why businesses make decisions to share organization in a growing business (C) Identify 110.37.2.A-B 110.39.2.A-B their resources how to evaluate and measure financial performance 110.37.4.A,B,H 110.39.4.A,B such as return on investment, return on assets, and 110.37.5.A,E,F,G 110.39.5.A,E,F,G Concepts: Business management, Capital return on equity and debt ratios. 110.37.7.F 110.39.7.F investment, Cash flow, Charitable giving, Investors 7. The student explains investment and financial resources to achieve business goals and objectives. (A) determine the financial plan, including Skills: Analyzing information, Critical financial requirements and sources of financing; thinking, Data analysis, Decision-making, (B) explain the idea of a growth strategy, including Mathematical skills, Oral communication, horizontal and vertical growth strategies Working in groups

Session Six: Make an Investment – 118.4 Economics English I English III The Simulation 11) Economics. The student understands key 110.36.1.A,B,D 110.38.1.A,B,D components of economic growth. 110.36.2.A-B 110.38.2.A-B Objectives: 110.36.4.H 110.38.4. H 110.36.5.A,E 110.38.5.A,E The students will: 130.384. Entrepreneurship 110.36.7.F 110.38.7.F . Make business decisions by applying 6. The student explains and demonstrates how to

their knowledge to a business simulation meet the needs of a growing organization. The English II English IV . Use what they have learned about price, student is expected to: 110.37.1.A,B,D 110.39.1.A,B,D production, research and development, (A) describe the role of operations and 110.37.2.A-B 110.39.2.A-B marketing, capital investment, and organization in a growing business (C) Identify 110.37.4. H 110.39.4.H charitable giving to make business how to evaluate and measure financial performance 110.37.5.A,E 110.39.5.A,E decisions using the JA Titan computer such as return on investment, return on assets, and 110.37.7.F 110.39.7.F simulation return on equity and debt ratios.

Concepts: Business management, Capital 7. The student explains investment and financial investment, Cash flow, Charitable giving, resources to achieve business goals and objectives. Demographics, 4 P’s of marketing, Market (A) determine the financial plan, including research, Marketing, Price, Production, financial requirements and sources of financing; Product life cycle, Research and (B) explain the idea of a growth strategy, including development, Target market horizontal and vertical growth strategies

Skills: Analyzing information, Critical thinking, Data analysis, Decision-making, Mathematical skills, Oral communication, planning, Working in groups

38 JA Titan

TEKS English Session Details TEKS Social Studies Language Arts

Session Seven: JA Titan of Industry – 118.4 Economics English I English III The Competition 11. Economics. The student understands key 110.36.1.A,B,D 110.38.1.A,B,D components of economic growth. 110.36.2.A-B 110.38.2.A-B Objectives: 110.36.4.H 110.38.4. H 110.36.5.A,E 110.38.5.A,E The students will: 130.384. Entrepreneurship 110.36.7.F 110.38.7.F . Demonstrate how business decisions 17. The student understands the importance of a affect business performance business's social responsibility to society as it English II English IV . React appropriately to decisions made relates to shareholders, employees, customers, the 110.37.1.A,B,D 110.39.1.A,B,D by other businesses community, and the environment. The student is 110.37.2.A-B 110.39.2.A-B

expected to discuss the responsibility of business. 110.37.4. H 110.39.4.H Business management, Capital Concepts: 110.37.5.A,E 110.39.5.A,E investment, Cash flow, Charitable giving, 110.37.7.F 110.39.7.F Demographics, 4 P’s of marketing, Market research, Marketing, Price, Production, Product life cycle, Research and development, Target market

Skills: Analyzing information, Critical thinking, Data analysis, Decision-making, Mathematical skills, Oral communication, planning, Working in groups

39