New Jersey Core Curriculum Content Standards
New personal finance curriculum helps New Jersey educators
TimeMAPS Interactive Software
- A Prescription for Personal Financial Literacy in New Jersey
The New Jersey core curriculum content standards have an important impact on personal finance education. With plastic money becoming an inseparable part of our lives and at a time when the economy is in turmoil, introduction to personal financial literacy at an early age is more crucial than ever.

New Jersey educators needing to meet department of education standards will find TimeMAPS to be a well-timed treatment for what ails us. TimeMAPS, which stands for Time Management for Achieving Personal Success, is an interactive software program for 9-12 school curriculum for personal finance. TimeMAPS' standards based learning is designed to benefit future consumers through various phases of their lives, from high school to retirement. The course of study is strictly aligned to New Jersey core curriculum content standards for financial literacy. NJ core curriculum standards include such topics as Income and Careers, Credit and Debt Management, and Being a Critical Consumer.
How TimeMAPS makes the difference for New Jersey?
Personal finance is a vast and complex subject matter; but TimeMAPS makes it easy to grasp in an environment-friendly manner. Paperless curriculum integrates technology into classroom education, replacing conventional textbooks. The TimeMAPS course of study is based on current government data and incorporates charts, tables and graphs. Integrated into New Jersey core curriculum content standards, this standard based learning tool actively engages young minds and makes personal finance lessons more understandable and even more enjoyable.
TimeMAPS makes it easy for both students and educators
TimeMAPS includes a Curriculum CD for instructors. TimeMAPS lesson plans, instructor guides, worksheets and quizzes make it easier for educators to introduce the complex concepts of personal finance to young adults.

With this standards based learning program, teachers need less preparation time and do less paperwork before embarking on money management lessons and classroom activity. It's designed to give educators more time for teaching and facilitating learning.
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TimeMAPS adheres to New Jersey core curriculum content standards and as such, teachers will confidently meet required department of education standards for financial literacy with one comprehensive program. It is also aligned with Perkins funding and state technology grants.
Why TimeMAPS makes a better choice over conventional text books for meeting New Jersey core curriculum content standards?
TimeMAPS is a software program featuring 140 interactive exercises and examples. This digital textbook is aligned to 9-12 school curriculum for personal financial literacy.
A "Life Simulator" brings all of the lessons together. This helps students to understand the impact of financial decisions through the various phases of their career up to retirement. They practice skills and make the connection to the personal finance concepts they've learned.

TimeMAPS also features online paperless testing and grading, a convenience for students and teachers alike. The types of questions include T/F, matching, multiple choice & essay. Students can take the test online and instantly view their graded results. This also allows teachers to assess the students as they progress through the software.
More features that add to the user-friendliness of this personal financial literacy software
It takes no more than a minute to create a test/survey with TimeMAPS. Teachers can use pre-loaded questions for evaluation; or they can edit or delete existing questions and add new ones.

It also helps prevent cheating by allowing the teachers create up to 4 versions of the same test. Teachers can evaluate students on a single lesson or combine multiple lessons into one exam. Essay questions are optional, with answers evaluated manually.

The program allows the teacher to make the test available for as many calendar days as they wish and elect to receive email notification on each student's grade. It also produces an overall summary of each student's performance, ensuring teachers that their program meets New Jersey core curriculum content standards.
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New Jersey TimeMAPS---a product that 21st Century students need today
Like everywhere else, New Jersey's teenagers are increasingly savvy with technology. Interactive software immerses students in the experience of managing personal finance and planning for the future. The New Jersey core curriculum content standards ensure that the complex world of personal finance can no longer be addressed by a few weeks of lessons or textbook reading alone. TimeMAPS meets these new learning standards with 13 important personal finance lessons and practice in applying financial skills.

Consider this . . . the findings of the Federal Reserve Board's survey of consumer finances for 2007 reveals that despite incomes larger than that of any previous generation, the average Baby Boomer will have less than $50,000 in savings apart from home equity. Such evidence of poor personal finance management should be a wakeup call for undergraduate students, many of whom handled at least one credit card in 2008. And according to Sallie Mae's National Study of Usage Rates and Trends in 2009, average card usage is increasing at an annual rate of 4.6%.

Now only 14% of teens are exposed to personal finance lessons in school. For 69% of teens the sole source of financial literacy is their parents. But are their parents any better at handling personal finance than their children? The following statistics answer that best:
  • In the USA, 7% of adults are being chased up by the collectors or mulling over filing for bankruptcy.
  • Last year 1 in every 10 Americans with a mortgage reports was late or missing a mortgage payment.
  • While more than one-third of adult Americans do not have any non-retirement savings, more than one-quarter are not even saving for their retirement.
  • Only one-quarter of the population expects to beat the inflation with an increased income But more than half of the population is apprehensive of a shrinking income incapable of keeping pace with inflation.
With such a picture it's not surprising that only 34% have taught their teen how to balance a checkbook, and 29% have explained the workings of credit card interest and fees. More than 33% parents anticipate having to extend financial support to their children during their "golden years".

This is where TimeMAPS can make a crucial difference for all. By meeting New Jersey core curriculum content standards and national standards for personal finance education, TimeMAPS will help young adults master personal finance concepts and achieve financial literacy.

Call now to learn more about this 21st Century solution and create an interactive classroom where students learn, apply and master the skills necessary to succeed in personal finance and therefore succeed in life.
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