SS.8.A.3.3 Recognize the contributions of the Founding Fathers (John Adams, Sam Adams, Benjamin Franklin, John Hancock, Alexander Hamilton, Thomas Jefferson, James Madison, George Mason, George Washington) during American Revolutionary efforts.
SS.8.A.3.10 Examine the course and consequences of the Constitutional Convention (New Jersey Plan, Virginia Plan, Great Compromise, Three-Fifths Compromise, compromises regarding taxation and slave trade, Electoral College, state vs. federal power, empowering a president).
SS.8.A.3.16 Examine key events in Florida history as each impacts this era of American history.
SS.8.A.4 Demonstrate an understanding of the domestic and international causes, course, and consequences of westward expansion.
SS.8.A.4.1 Examine the causes, course, and consequences of United States westward expansion and its growing diplomatic assertiveness (War of 1812, Convention of 1818, Adams-Onis Treaty, Missouri Compromise, Monroe Doctrine, Trail of Tears, Texas annexation, Manifest Destiny, Oregon Territory, Mexican American War/Mexican Cession, California Gold Rush, Compromise of 1850, Kansas Nebraska Act, Gadsden Purchase).
SS.8.A.4.12 Examine the effects of the 1804 Haitian Revolution on the United States acquisition of the Louisiana Territory.
SS.8.A.4.13 Explain the consequences of landmark Supreme Court decisions (McCulloch v. Maryland , Gibbons v. Odgen , Cherokee Nation v. Georgia , and Worcester v. Georgia ) significant to this era of American history.
SS.8.A.4.17 Examine key events and peoples in Florida history as each impacts this era of American history.
SS.8.A.4.18 Examine the experiences and perspectives of different ethnic, national, and religious groups in Florida, explaining their contributions to Florida's and America's society and culture during the Territorial Period.
SS.8.A.5 Examine the causes, course, and consequence of the Civil War and Reconstruction including its effects on American peoples.
SS.8.A.5.1 Explain the causes, course, and consequence of the Civil War (sectionalism, slavery, states' rights, balance of power in the Senate).
SS.8.A.5.7 Examine key events and peoples in Florida history as each impacts this era of American history.
SS.8.A.5.8 Explain and evaluate the policies, practices, and consequences of Reconstruction (presidential and congressional reconstruction, Johnson's impeachment, Civil Rights Act of 1866, the 13th, 14th, and 15th Amendments, opposition of Southern whites to Reconstruction, accomplishments and failures of Radical Reconstruction, presidential election of 1876, end of Reconstruction, rise of Jim Crow laws, rise of Ku Klux Klan).
SS.8.E.1 Understand the fundamental concepts relevant to the development of a market economy.
SS.8.E.1.1 Examine motivating economic factors that influenced the development of the United States economy over time including scarcity, supply and demand, opportunity costs, incentives, profits, and entrepreneurial aspects.
SS.8.E.3 Understand the fundamental concepts and interrelationships of the United States economy in the international marketplace.
SS.8.E.3.1 Evaluate domestic and international interdependence.
SS.8.FL Financial Literacy
SS.8.FL.1 Earning Income
SS.8.FL.1.1: Explain that careers are based on working at jobs in the same occupation or profession for many years. Describe the different types of education and training required by various careers.
SS.8.FL.1.2: Identify the many decisions people must make over a lifetime about their education, jobs, and careers that affect their incomes and job opportunities.
SS.8.FL.1.3: Explain that getting more education and learning new job skills can increase a person's human capital and productivity.
SS.8.FL.1.4: Examine the fact that people with less education and fewer job skills tend to earn lower incomes than people with more education and greater job skills.
SS.8.FL.1.5: Examine the fact that investment in education and training generally has a positive rate of return in terms of the income that people earn over a lifetime, with some education or training having a higher rate of return than others.
SS.8.FL.1.6: Identify the opportunity costs that education, training, and development of job skills have in the terms of time, effort, and money.
SS.8.FL.1.8: Discuss the fact that some people receive income support from government because they have low incomes or qualify in other ways for government assistance.
SS.8.FL.2 Buying Goods and Services
SS.8.FL.2.1: Explain why when deciding what to buy, consumers may choose to gather information from a variety of sources. Describe how the quality and usefulness of information provided by sources can vary greatly from source to source. Explain that, while many sources provide valuable information, other sources provide information that is deliberately misleading.
SS.8.FL.2.2: Analyze a source's incentives in providing information about a good or service, and how a consumer can better assess the quality and usefulness of the information.
SS.8.FL.2.3: Describe the variety of payment methods people can use in order to buy goods and services.
SS.8.FL.2.4: Examine choosing a payment method, by weighing the costs and benefits of the different payment options.
SS.8.FL.2.5: Discuss the fact that people may revise their budget based on unplanned expenses and changes in income.
SS.8.FL.3.1: Explain that banks and other financial institutions loan funds received from depositors to borrowers and that part of the interest received from these loans is used to pay interest to depositors for the use of their money.
SS.8.FL.3.6: Identify the value of a person's savings in the future as determined by the amount saved and the interest rate. Explain why the earlier people begin to save, the more savings they will be able to accumulate, all other things equal, as a result of the power of compound interest.
SS.8.FL.3.7: Discuss the different reasons that people save money, including large purchases (such as higher education, autos, and homes), retirement, and unexpected events. Discuss how people's tastes and preferences influence their choice of how much to save and for what to save.
SS.8.FL.3.8: Explain that, to assure savers that their deposits are safe from bank failures, federal agencies guarantee depositors' savings in most commercial banks, savings banks, and savings associations up to a set limit.
SS.8.FL.4.1: Explain that people who apply for loans are told what the interest rate on the loan will be. An interest rate is the price of using someone else's money expressed as an annual percentage of the loan principal.
SS.8.FL.4.2: Identify a credit card purchase as a loan from the financial institution that issued the card. Explain that credit card interest rates tend to be higher than rates for other loans. In addition, financial institutions may charge significant fees related to a credit card and its use.
SS.8.FL.4.3: Examine the fact that borrowers who use credit cards for purchases and who do not pay the full balance when it is due pay much higher costs for their purchases because interest is charged monthly. Explain how a credit card user can avoid interest charges by paying the entire balance within the grace period specified by the financial institution.
SS.8.FL.4.4: Explain that lenders charge different interest rates based on the risk of nonpayment by borrowers. Describe why the higher the risk of nonpayment, the higher the interest rate charged by financial institutions, and the lower the risk of nonpayment, the lower the interest rate charged.
SS.8.FL.5 Financial Investing
SS.8.FL.5.1: Describe the differences among the different types of financial assets, including a wide variety of financial instruments such as bank deposits, stocks, bonds, and mutual funds. Explain that real estate and commodities are also often viewed as financial assets.
SS.8.FL.5.2: Calculate the amount of interest income received from depositing a certain amount of money in a bank account paying 1 percent per year and from owning a bond paying 5 percent per year in order to analyze that interest is received from money deposited in bank accounts as well as by owning a corporate or government bond or making a loan.
SS.8.FL.5.3: Discuss that when people buy corporate stock, they are purchasing ownership shares in a business that if the business is profitable, they will expect to receive income in the form of dividends and/or from the increase in the stock's value, that the increase in the value of an asset (like a stock) is called a capital gain, and if the business is not profitable, investors could lose the money they have invested.
SS.8.FL.5.4: Explain that the price of a financial asset is determined by the interaction of buyers and sellers in a financial market.
SS.8.FL.5.5: Explain that the rate of return earned from investments will vary according to the amount of risk and, in general, a trade-off exists between the security of an investment and its expected rate of return.
SS.8.FL.6 Protecting and Insuring
SS.8.FL.6.1: Analyze the fact that personal financial risk exists when unexpected events can damage health, income, property, wealth, or future opportunities.
SS.8.FL.6.2: Identify insurance as a product that allows people to pay a fee (called a premium) now to transfer the costs of a potential loss to a third party.
SS.8.FL.6.3: Describe how a person may self-insure by accepting a risk and saving money on a regular basis to cover a potential loss.
SS.8.FL.6.4: Discuss why insurance policies that guarantee higher levels of payment in the event of a loss (coverage) have higher prices.
SS.8.FL.6.5: Discuss that insurance companies charge higher premiums to cover higher-risk individuals and events because the risk of monetary loss is greater for these individuals and events.
SS.8.FL.6.6: Explain that individuals can choose to accept some risk, to take steps to avoid or reduce risk, or to transfer risk to others through the purchase of insurance and that each option has different costs and benefits.
SS.8.FL.6.7: Evaluate social networking sites and other online activity from the perspective of making individuals vulnerable to harm caused by identity theft or misuse of their personal information.
SS.8.G.1 Understand how to use maps and other geographic representations, tools, and technology to report information.
SS.8.G.1.1 Use maps to explain physical and cultural attributes of major regions throughout American history.
SS.8.G.4.2 Use geographic terms and tools to analyze the effects throughout American history of migration to and within the United States, both on the place of origin and destination.
SS.8.G.4.3 Use geographic terms and tools to explain cultural diffusion throughout the United States as it expanded its territory.
SS.8.G.4.4 Interpret databases, case studies, and maps to describe the role that regions play in influencing trade, migration patterns, and cultural/political interaction in the United States throughout time.
SS.8.G.4.5 Use geographic terms and tools to analyze case studies of the development, growth, and changing nature of cities and urban centers in the United States over time.
SS.8.G.4.6 Use political maps to describe changes in boundaries and governance throughout American history.
SS.8.G.5 Understand how human actions can impact the environment.
SS.8.G.5.1 Describe human dependence on the physical environment and natural resources to satisfy basic needs in local environments in the United States.
SS.8.G.5.2 Describe the impact of human modifications on the physical environment and ecosystems of the United States throughout history.
SS.8.G.6 Understand how to apply geography to interpret the past and present and plan for the future.
SS.8.G.6.1 Use appropriate maps and other graphic representations to analyze geographic problems and changes over time throughout American history.