South Carolina State Standards
Meet social studies standards and improve financial literacy with TimeMAPS
Ensuring a stable financial future for South Carolina youth begins with providing comprehensive personal finance education at the high school level. Before young people embark on making financial decisions that will affect the rest of their lives, shouldn’t we give them the tools to manage their money and save for the future? With bankruptcies and foreclosures on a steady rise, many states are putting significant pressure on schools to find a place for financial literacy education in core curriculum subjects. South Carolina state standards for high school education have been modified to include personal finance education as a graduation requirement. The course will likely be taught in social studies.
Finance experts agree that by educating teenagers about the need to manage their expenses and involving state education departments, financial literacy can be improved for the next generation of spenders and savers. Making personal financial literacy compulsory at the high school level is a significant step toward bolstering South Carolina state standards and strengthening the economy. Smart money managers make better consumers, investors, entrepreneurs and business people, too.
At present, the US economy is facing one of the worst economic slumps of all times. Growth rates have stagnated, millions of people have lost jobs and many large corporations have filed for bankruptcy. As a result, even families with dual incomes have found it increasingly difficult to cope with financial pressures. According to the 2008 Financial Literacy Survey, conducted by the National Foundation for Credit Counseling, Inc. and MSN Money, more than one third of American adults do not have any post-retirement savings. It was further shocking to find that more than one quarter of the population was not making any contribution to their savings for retirement. This is a situation that can only be reversed by starting with youth and not only creating awareness about personal finance, but imparting comprehensive knowledge and building money management skills.
At present, the US economy is facing one of the worst economic slumps of all times. Growth rates have stagnated, millions of people have lost jobs and many large corporations have filed for bankruptcy. As a result, even families with dual incomes have found it increasingly difficult to cope with financial pressures. According to the 2008 Financial Literacy Survey, conducted by the National Foundation for Credit Counseling, Inc. and MSN Money, more than one third of American adults do not have any post-retirement savings. It was further shocking to find that more than one quarter of the population was not making any contribution to their savings for retirement. This is a situation that can only be reversed by starting with youth and not only creating awareness about personal finance, but imparting comprehensive knowledge and building money management skills.
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Many state education departments in the country, including the South Carolina Department of Education, have taken noteworthy steps to prepare high school students for the future. These departments are directing the schools to implement personal finance education at the high school level, making it a graduation requirement. South Carolina state standards for curriculum include measures to provide meaningful personal finance lessons in social studies coursework.
With these changes, teachers are challenged to find curriculum materials that engage students in a way that fosters interest and aptitude. Financial concepts are complicated and challenging to master. For curriculum to meet South Carolina state standards and successfully cover critical concepts, the coursework must be comprehensive and interesting. South Carolina state standards cannot bring about improvements unless standards based learning is meaningful and lasting. Students may be expected to pass tests required by standards, but more importantly, they need to retain personal finance information in order to use it for lifetime success.
Teachers in South Carolina may find the South Carolina Teaching and Learning Connections (SCTLC) a resource for learning how to teach, finding the standards and getting help with building lesson plans (through Slate) and this is helpful. But the South Carolina state standards can more easily be met with a product that does the work for them, creating dynamic learning environments with comprehensive curriculum and materials that educators can easily implement in the classroom. While computer-based curriculum is not new to schools, there are relatively few programs that cover personal finance enough to constitute a semester course. Computers allow students to work at their own pace, to go over exercises as many times needed to master a concept, and provide limitless outcomes and data. This kind of educational media represents the 21st Century classroom, consists of technology young people are comfortable using, and can engage students in a way that textbooks and lectures cannot possibly match. Although a number of computer software programs are being designed and developed for the 9-12 school curriculum, only a select few cater to the individual requirements of students and meet the South Carolina state standards.
One particular software-based curriculum has been developed to meet national and state standards for personal finance, including the South Carolina state standards, by thoroughly covering critical subject matter that comes up across all state requirements. TimeMAPS Money Management and Life Skills Program is a personal finance curriculum that not only meets South Carolina state standards but most other state standards as well. It also meets national standards for personal finance education as determined by JumpStart Coalition.
TimeMAPS is short for Time Management for Achieving Personal Success. This software program has been designed to help educators effectively cover personal finance curriculum in their classrooms without having to be finance experts to do so.
TimeMAPS includes 54 lessons on personal finance along with more than 140 interactive exercises and examples and many charts, graphs and tables to illustrate financial principles and visually reinforce lesson text. In addition, there is a large library containing definitions of more than 700 finance terms, provided in context. It also comes with a curriculum CD, student software with a Life Simulator for practicing skills, student resource CDs for take-home work (optional) and a convenient online testing system.
With these changes, teachers are challenged to find curriculum materials that engage students in a way that fosters interest and aptitude. Financial concepts are complicated and challenging to master. For curriculum to meet South Carolina state standards and successfully cover critical concepts, the coursework must be comprehensive and interesting. South Carolina state standards cannot bring about improvements unless standards based learning is meaningful and lasting. Students may be expected to pass tests required by standards, but more importantly, they need to retain personal finance information in order to use it for lifetime success.
Teachers in South Carolina may find the South Carolina Teaching and Learning Connections (SCTLC) a resource for learning how to teach, finding the standards and getting help with building lesson plans (through Slate) and this is helpful. But the South Carolina state standards can more easily be met with a product that does the work for them, creating dynamic learning environments with comprehensive curriculum and materials that educators can easily implement in the classroom. While computer-based curriculum is not new to schools, there are relatively few programs that cover personal finance enough to constitute a semester course. Computers allow students to work at their own pace, to go over exercises as many times needed to master a concept, and provide limitless outcomes and data. This kind of educational media represents the 21st Century classroom, consists of technology young people are comfortable using, and can engage students in a way that textbooks and lectures cannot possibly match. Although a number of computer software programs are being designed and developed for the 9-12 school curriculum, only a select few cater to the individual requirements of students and meet the South Carolina state standards.
One particular software-based curriculum has been developed to meet national and state standards for personal finance, including the South Carolina state standards, by thoroughly covering critical subject matter that comes up across all state requirements. TimeMAPS Money Management and Life Skills Program is a personal finance curriculum that not only meets South Carolina state standards but most other state standards as well. It also meets national standards for personal finance education as determined by JumpStart Coalition.
TimeMAPS is short for Time Management for Achieving Personal Success. This software program has been designed to help educators effectively cover personal finance curriculum in their classrooms without having to be finance experts to do so.
TimeMAPS includes 54 lessons on personal finance along with more than 140 interactive exercises and examples and many charts, graphs and tables to illustrate financial principles and visually reinforce lesson text. In addition, there is a large library containing definitions of more than 700 finance terms, provided in context. It also comes with a curriculum CD, student software with a Life Simulator for practicing skills, student resource CDs for take-home work (optional) and a convenient online testing system.
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To meet the South Carolina state standards and facilitate comprehension, TimeMAPS employs active learning methodologies to encourage students to solve problems and apply critical thinking skills. Lessons and additional resources provide opportunities for independent study and additional challenging activities for accelerated students. The volume of statistical data is immense, gathered from more than a dozen government sources, is updated annually. This provides salary information, investment rates, housing data, IRS tax tables and cost of living indices for every area of the country. Students can compare how their personal finance decisions might play out differently in South Carolina than in, Arizona, for example.
To help the teachers cover the topics easily, TimeMAPS provides ample curriculum resources, instructor guides, lesson plans, PowerPoint presentations and other classroom aids. This cuts down on extensive preparation and paperwork that teachers experience when covering the fundamentals of personal finance. In fact, many educators are pulling information from the internet and many different sources in an attempt to meet standards. This exhaustive and piecemeal approach takes time and effort, and ultimately, may not completely cover the information needed to meet South Carolina state standards.
For information about how you can meet standards, provide meaningful personal finance curriculum, and improve financial literacy among the youth in your area, please contact a Realityworks Product Consultant today!
To help the teachers cover the topics easily, TimeMAPS provides ample curriculum resources, instructor guides, lesson plans, PowerPoint presentations and other classroom aids. This cuts down on extensive preparation and paperwork that teachers experience when covering the fundamentals of personal finance. In fact, many educators are pulling information from the internet and many different sources in an attempt to meet standards. This exhaustive and piecemeal approach takes time and effort, and ultimately, may not completely cover the information needed to meet South Carolina state standards.
For information about how you can meet standards, provide meaningful personal finance curriculum, and improve financial literacy among the youth in your area, please contact a Realityworks Product Consultant today!
