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Skills available for New Jersey sixth-grade math standards

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9.1.8.A Income and Careers

9.1.8.B Money Management

  • 9.1.8.B.1 Distinguish among cash, check, credit card, and debit card.

  • 9.1.8.B.2 Construct a simple personal savings and spending plan based on various sources of income.

  • 9.1.8.B.3 Justify the concept of "paying yourself first" as a financial savings strategy.

  • 9.1.8.B.4 Relate the concept of deferred gratification to [investment,] meeting financial goals, and building wealth.

  • 9.1.8.B.5 Explain the effect of the economy on personal income, individual and family security, and consumer decisions.

  • 9.1.8.B.6 Evaluate the relationship of cultural traditions and historical influences on financial practice.

  • 9.1.8.B.7 Construct a budget to save for long-term, short-term, and charitable goals.

  • 9.1.8.B.8 Develop a system for keeping and using financial records.

  • 9.1.8.B.9 Determine the most appropriate use of various financial products and services (e.g., ATM, debit cards, credit cards, check books).

  • 9.1.8.B.10 Justify safeguarding personal information when using credit cards, banking electronically, or filing forms.

  • 9.1.8.B.11 Evaluate the appropriate financial institutions to assist with meeting various personal financial needs and goals.

9.1.8.C Credit and Debt Management

  • 9.1.8.C.1 Compare and contrast credit cards and debit cards and the advantages and disadvantages of using each.

  • 9.1.8.C.2 Compare and contrast the financial products and services offered by different types of financial institutions.

  • 9.1.8.C.3 Compare and contrast debt and credit management strategies.

  • 9.1.8.C.4 Demonstrate an understanding of the terminology associated with different types of credit (e.g., credit cards, installment loans, mortgages) and compare the interest rates associated with each.

  • 9.1.8.C.5 Calculate the cost of borrowing various amounts of money using different types of credit (e.g., credit cards, installment loans, mortgages).

  • 9.1.8.C.6 Determine ways to leverage debt beneficially.

  • 9.1.8.C.7 Determine potential consequences of using "easy access" credit (e.g., using a line of credit vs. obtaining a loan for a specific purpose).

  • 9.1.8.C.8 Explain the purpose of a credit score and credit record, and summarize borrowers' credit report rights.

  • 9.1.8.C.9 Summarize the causes and consequences of personal bankruptcy.

  • 9.1.8.C.10 Determine when there is a need to seek credit counseling and appropriate times to utilize it.

9.1.8.D Planning, Saving, and Investing

  • 9.1.8.D.1 Determine how saving contributes to financial well-being.

  • 9.1.8.D.2 Differentiate among various savings tools and how to use them most effectively.

  • 9.1.8.D.3 Differentiate among various investment options.

  • 9.1.8.D.4 Distinguish between income and investment growth.

  • 9.1.8.D.5 Explain the economic principle of supply and demand.

9.1.8.E Becoming a Critical Consumer

  • 9.1.8.E.1 Explain what it means to be a responsible consumer and the factors to consider when making consumer decisions.

  • 9.1.8.E.2 Identify personal information that should not be disclosed to others and the possible consequences of doing or not doing so.

  • 9.1.8.E.3 Compare and contrast product facts versus advertising claims.

  • 9.1.8.E.4 Prioritize personal wants and needs when making purchases.

  • 9.1.8.E.5 Analyze interest rates and fees associated with financial services, credit cards, debit cards, and gift cards.

  • 9.1.8.E.6 Compare the value of goods or services from different sellers when purchasing large quantities and small quantities.

  • 9.1.8.E.7 Evaluate how fraudulent activities impact consumers, and justify the creation of consumer protection laws.

  • 9.1.8.E.8 Recognize the techniques and effects of deceptive advertising.

9.1.8.F Civic Financial Responsibility

  • 9.1.8.F.1 Explain how the economic system of production and consumption may be a means to achieve significant societal goals.

  • 9.1.8.F.2 Examine the implications of legal and ethical behaviors when making financial decisions.

  • 9.1.8.F.3 Relate the impact of business, government, and consumer fiscal responsibility to the economy and to personal finance.

9.1.8.G Insuring and Protecting

  • 9.1.8.G.1 Explain why it is important to develop plans for protecting current and future personal assets against loss.

  • 9.1.8.G.2 Determine criteria for deciding the amount of insurance protection needed.

  • 9.1.8.G.3 Analyze the need for and value of different types of insurance and the impact of deductibles.

  • 9.1.8.G.4 Evaluate the need for different types of extended warranties.