CEE Standard 1 : Earning Income
The benchmarks for grade 12 give further emphasis to the types of income and taxes and cost-benefit decisions related to jobs and careers and introduces labor markets.
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CEE Standard 2 : Buying Goods and Services
The benchmarks for grade 12 frame a consumer’s decision using economic ideas, such as satisfaction, determinants of demand costs of information search, choice of product durability and other features, and the role of government and other institutions in providing for consumers.
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CEE Standard 3 : Saving
The benchmarks for grade 12 introduce more complex concepts, such as real versus nominal interest rates, present versus future value, financial regulators, the factors determining the value of a person’s savings over time, automatic savings plans, rainy-day funds, and saving for retirement.
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CEE Standard 4 : Using Credit
The benchmarks for grade 12 focus on credit reports, credit scores, behaviors that contribute to strong credit reports and scores, and the impact of credit reports and scores on consumers, as well as consumer protection laws and how they apply to credit and credit card use.
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CEE Standard 5 : Investing
The benchmarks for grade 12 are geared to helping students understand the relevance of and how to calculate real and after-tax rates of return and how financial markets react to changes in market conditions and information.
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CEE Standard 6 : Protecting and Insuring
The benchmarks for grade 12 expand the discussion of insurance contracts to consider how contract features encourage individuals to take steps to reduce the potential size of a loss, to address more specific financial vulnerabilities with health, property/casualty, disability, and life insurance products, and to focus on a wider range of personal information-sharing activities and how to protect against identity theft.
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