Arizona State Standards
TimeMAPS Software and Curriculum
Core Curriculum for Personal Finance Delivered in an Interactive Package
Academic excellence is encouraged by the Arizona State Standards, a set of guidelines and targets for achievement in Arizona's schools. The state standards of Arizona's educational system provide a firm foundation of learning for pupils through the grades 9-12 school curriculum, preparing them for the demands of modern society. The economy has become far more complex and is evolving rapidly in the era of globalization, and for this reason the subject of personal finance has become a crucial matter. Financial literacy, which was once mostly absent from the core curriculum, is now vital for the coming generation. Students will soon find themselves confronting their own problems and managing their own financial responsibilities without parental aid.
The Arizona State Standards recognize this fact with their efforts to increase personal financial literacy. For example, the social studies graduation requirement has been increased to three credits, including one-half credit of economics which includes a personal finance concept in its standards. The Arizona social studies program is now used as a vehicle by which essential economics education can be delivered.
Why is personal finance so crucial?
The latest research statistics show ample proof that personal finance should be focused on intensively during the school years, and the Arizona State Standards are a wise provision for future generations. The Charles Schwab 2008 "Parents & Money" survey reveals that parents are generally not providing enough of this vital training. Only 34 percent of parents, according to the survey, have instructed their teenage children in how to balance a checkbook, while a mere 29 percent have explained the workings of credit card interest and fees. While 67 percent of parents do not believe that investing is important to their teenagers' future, 60 percent of teenagers do. And nearly 70 percent of parents do not feel that they are prepared to give their children solid financial advice.
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TimeMAPS is the interactive solution for personal finance education
Fortunately, help is available in helping teenagers reach a higher level of financial literacy. Education must step up to provide for the lack of parental financial guidance. While educators throughout Arizona are currently dedicated to achieving exactly these goals - inspired by the Arizona State Standards - the use of professional teaching tools and programs can assist them in meeting or exceeding those objectives, using modern technology to enhance the effectiveness of their hard work.

Our TimeMAPS interactive software and curriculum is designed to meet the needs of educators who need powerful, up-to-date tools to better prepare their students for life's challenges and meet the standard-based learning expected by the Arizona State Standards for social studies and economics education. TimeMAPS is an acronym for Time Management for Achieving Personal Success, and is tailored to furnish a dynamic, interesting, and informative aid to personal finance, business, and life skills education. The TimeMAPS package includes a range of useful tools that both educators and students will find makes the study of personal finance far more engaging.
How does TimeMAPS make teaching personal finance easy?
A Curriculum CD, which is intended for instructors, incorporates valuable items including lesson plans, instructor guides, worksheets, and quizzes, all prepared in advance for the teacher's convenience, and tailored to match Arizona State Standards.

Student Software with the Life Simulator is an interactive textbook which allows students not only to study, but to apply the concepts they've learned with an array of insightful lessons, examples, and exercises. Student Resource CDs are also available which extend learning beyond the classroom.

The TimeMAPS Online Testing System, which is a state-of-the-art online testing and grading center, allows educators to use either the default questions or write their own to match their own vision of the Arizona State Standards. Those instructors who opt to write their own questions can pick from T/F, matching, multiple choice, and essay formats. Grading is carried out automatically, providing instant results that show both students and educators how well course objectives are being met. Automatic grading also frees educators from the paperwork involved in grading tests, giving them more time to focus on providing quality personal finance instruction and meeting the requirements of their courses. Teachers can create up to four versions of the same questions while generating a test with the TimeMAPS Online Testing System to prevent cheating. A number of other tools are included to increase speed, ease of use, and functionality.

TimeMAPS is much more than a bundle of useful CDs and online features, however. The curriculum has been painstakingly crafted to meet the National Standards for Personal Finance Education (JumpStart Coalition). TimeMAPS is designed specifically to capture the attention and imagination of the modern 9-12 grade student, who is generally computer-literate and learns better from interactive programs than traditional textbooks. All software has been written in a way that minimizes the time necessary to learn how to use it, and maximizes both teaching time and learning time.
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How is TimeMAPS different from other personal finance tools?
TimeMAPS is crammed with features that enhance the process of teaching a course of study in personal financial literacy as outlined by the Arizona State Standards. There are over 140 interactive examples and exercises designed to illustrate and reinforce concepts found in the course material. The software includes a library of more than 700 useful financial terms, catalogued and defined in context, at the fingertips of educators and students alike. Charts, tables, and graphs are used to give visual impact to the lessons. Career exploration of 1400+ job titles in 23 areas of interest gives a deeper look at the possibilities open to these future participants in the American economy.

To maintain its cutting-edge viability in the classroom, TimeMAPS makes use of current government economic and financial data, updating this information annually to keep up with the latest trends, and meeting the social studies expectations of the Arizona State Standards. The Life Simulator gives students the chance to apply what they have learned to hypothetical financial situations arising between high school and retirement. This allows them to see the real effects of the principles they are learning. TimeMAPS gives them the chance to achieve their own "aha" moment, which brings all of what they have been hearing together.
TimeMAPS reduces teachers' preparation time and paperwork
TimeMAPS makes personal finance lessons more understandable and enjoyable for students. At the same time it reduces teachers' preparation time and paperwork. The software and curriculum integrate technology into the classroom, touching on other important skills. Active learning and problem solving are encouraged by the interactive features. Finally, TimeMAPS has been designed so that it can be used either as a complete course of study on its own, or as a supplement to existing courses.

To sum up, the urgent need for personal financial literacy education, as outlined by the Arizona State Standards scholastic social studies and economics requirements, calls for professional, dynamic, up-to-date teaching tools. These tools should ease the burdens of teachers, help them meet the expectations of an ever more complex core curriculum, prepare their students to meet their graduation requirements successfully, and help them make crucial financial decisions which are likely to arise during their adult lives. TimeMAPS interactive software and curriculum offers everything that is needed to create a vibrant, successful, modern learning and teaching experience in the field of personal finance, and is an ideal tool for providing the thorough coverage of this subject that its importance demands.
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