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Lifestyle Math Addresses the Oregon High School Personal Financial Education Standards

OREGON HIGH SCHOOL PERSONAL FINANCIAL EDUCATION STANDARDS

Lifestyle Math , 7th Edition

HS.PFE.A: CREDIT AND DEBT – Students will… HS.PFE.A.1: Understand components used to build credit and investigate actions that could impact personal credit scores. HS.PFE.A.2: Compare and contrast various types of consumer credit and the costs and benefits of borrowing money.

pp. 21–31, 192

pp. 26-27, 30, 103, 188, 191– 192 pp. 31, 34, 60–61, 108–111, 197

HS.PFE.A.3: Analyze the long-term impacts of high and low credit scores.

HS.PFE.B: BANKING, INVESTING, SAVING, AND REPAYMENT – Students will… HS.PFE.B.1: Describe the roles of various types of financial institutions, and explore products and services provided by these institutions. HS.PFE.B.2: Develop goals for building assets using various investment options, and identify potential risks and rewards for a given strategy. HS.PFE.B.3: Evaluate repayment strategies, risks, and costs for various types of consumer credit use, including simple or compound interest calculations.

pp. 124, 126–127, 133, 154, 176, 179–181, 184–201, 204 pp. 13, 124, 126–128, 133, 139, 145, 176, 214–215 pp. 26–27, 155–157, 161, 166–167

HS.PFE.C: BUDGETING, SPENDING, AND MONEY MANAGEMENT – Students will… HS.PFE.C.1: Describe budgeting strategies for savings goals, emergency funds, fixed expenses, and variable expenses.

pp. 13, 27, 118, 133, 139, 188–189, 192, 194–195 pp. 32–37, 96–97, 105, 118, 128, 133, 151–154, 166–167 pp. 13, 32-37, 52, 55, 68–71, 82–83, 94–95, 108–111, 194

HS.PFE.C.2: Identify and examine the costs and benefits of financial decisions.

HS.PFE.C.3: Apply a budgeting strategy to create a sample budget that includes common costs associated with housing, transportation, and insurance products and analyze the outcomes.

HS.PFE.D: PERSONAL INCOME, TAXES, AND SERVICES – Students will…

HS.PFE.D.1: Define and identify examples of common types of income.

pp. 176–181, 186, 206–207

HS.PFE.D.2: Understand the personal income tax filing cycle, including common tax forms and available tax preparation resources and options. HS.PFE.D.3: Understand taxes associated with various sources of income and common tax credits that could reduce individual tax liability. HS.PFE.D.4: Understand common types of federal, state, regional, and local taxes and associated tax- funded services provided. HS.PFE.E: MAINTAINING FINANCIAL WELL-BEING – Students will… HS.PFE.E.1: Analyze the psychology of money through cultural, social, and emotional influences on financial behavior.

pp. 208–213

pp. 208, 209

pp. 203–204

pp. 99–101

HS.PFE.E.2: Analyze and apply multiple sources of information when making consumer decisions.

pp. 28, 30, 132, 190

HS.PFE.E.3: Understand and apply strategies to prevent fraud and personal identity theft.

pp. 194–200

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