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Skills available for Florida eighth-grade social studies standards

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SS.8.A American History

SS.8.C Civics and Government

  • SS.8.C.1 The student will evaluate the roles, rights, and responsibilities of United States citizens and determine methods of active participation in society, government, and the political system.

    • SS.8.C.1.1 Identify the constitutional provisions for establishing citizenship.

    • SS.8.C.1.2 Compare views of self-government and the rights and responsibilities of citizens held by Patriots, Loyalists, and other colonists.

    • SS.8.C.1.3 Recognize the role of civic virtue in the lives of citizens and leaders from the colonial period through Reconstruction.

    • SS.8.C.1.4 Identify the evolving forms of civic and political participation from the colonial period through Reconstruction.

    • SS.8.C.1.5 Apply the rights and principles contained in the Constitution and Bill of Rights to the lives of citizens today.

    • SS.8.C.1.6 Evaluate how amendments to the Constitution have expanded voting rights from our nation's early history to present day.

  • SS.8.C.2 The student will demonstrate an understanding of the principles, functions, and organization of government.

    • SS.8.C.2.1 Evaluate and compare the essential ideals and principles of American constitutional government expressed in primary sources from the colonial period to Reconstruction.

SS.8.E Economics

  • 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.2 Understand the fundamental concepts relevant to the institutions, structure, and functions of a national economy.

    • SS.8.E.2.1 Analyze contributions of entrepreneurs, inventors, and other key individuals from various gender, social, and ethnic backgrounds in the development of the United States economy.

    • SS.8.E.2.2 Explain the economic impact of government policies.

    • SS.8.E.2.3 Assess the role of Africans and other minority groups in the economic development of the United States.

  • 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.1.7: Identify that interest, dividends, and capital appreciation (gains) are forms of income earned from financial investments.

    • 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 Saving

    • 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.3.2: Explain that, for the saver, an interest rate is the price a financial institution pays for using a saver's money and is normally expressed as an annual percentage of the amount saved.

    • SS.8.FL.3.3: Discuss that interest rates paid on savings and charged on loans, like all prices, are determined in a market.

    • SS.8.FL.3.4: Explain that, when interest rates increase, people earn more on their savings and their savings grow more quickly.

    • SS.8.FL.3.5: Identify principal as the initial amount of money upon which interest is paid.

    • 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 Using Credit

    • 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 Geography