Hawaii
9th-12th Grade
State Standards
Look below to see how Banzai's courses, worksheets, activities, and games align with the Senate Concurrent Resolution No. 66 (Draft) for 9th-12th Grade. Use the filters to change the location, set of standards, and grade level. Note, any one activity listed will satisfy the associated competency.
Theme 1: Earning Income
Content Standards: Students will know that...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
1: People make many decisions over a lifetime about their education, jobs, and careers that affect their incomes and opportunities.
Cost of College (Game)College Alternatives (Game)Advanced Budgeting (Game)Life Scenarios (Game)Banking (Game)Career Field Quiz (Module)High School Personal Finance (Workbook)Quantitative Business Research (Worksheet)Budgeting (Worksheet)Work-Life Balance (Worksheet)Your First Account (Worksheet)Small Business (Article)Planning a Job (Article)Your Future Job (Article)50/30/20 Budgeting (Article)
2: Compensation for a job or career can
be in the form of wages, salaries,
commissions, tips, or bonuses, and
may also include contributions to
employee benefits, such as health
insurance, retirement savings plans,
and education reimbursement
programs.
3: People vary in their opportunity and
willingness to incur the present costs
of additional training and education in
exchange for future benefits, such as
earning potential.
Under Development
4: Changes in economic conditions,
technology, or the labor market can
cause changes in income, career
opportunities, or employment status.
Under Development
5.: Retirement income typically comes
from some combination of continued
employment earnings, Social
Security, employer-sponsored
retirement plans, and personal investments.
Advanced Budgeting (Game)Retirement (Game)Controlling Finances (Module)Managing Finances (Module)50/30/20 Rule (Worksheet)401k (Worksheet)Emergency Fund (Worksheet)50/30/20 Budgeting (Article)Investing (Article)Investments (Article)Investments (Article)Job Benefits (Article)Managing Credit (Article)Managing Risk (Article)
Sample Learning Outcomes: Students will use this knowledge to…
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
Describe the importance of having
multiple sources of income in retirement,
such as Social Security, employer-
sponsored retirement plans, and
personal investments.
Under Development
Identify common types of payroll deductions.
Under Development
Evaluate the costs and benefits of
investing in additional education or
training.
Discuss how economic and labor market
conditions can affect income, career
opportunities, and employment status.
Under Development
Explain why people should evaluate
employee benefits in addition to wages
and salaries when choosing between job
and career opportunities.
Under Development
Theme 2: Spending: Content Standards: students will know that...
Content Standards: Students will know...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
1: Price, spending choices of others,
peer pressure, and advertising about
a product or service can influence purchase decisions.
Under Development
2: Creating a budget can help people
make informed choices about
spending, saving, and managing
money in order to achieve financial goals
Life Scenarios (Game)Banking (Game)Advanced Budgeting (Game)Income & Expenses (Worksheet)Checking Accounts (Worksheet)Budgeting (Worksheet)50/30/20 Rule (Worksheet)Quality vs Cost (Worksheet)Planning Expenses (Article)Paycheck Deductions (Article)Making and Spending Money (Article)Earning Income (Article)50/30/20 Budgeting (Article)Quality and Cost (Article)Quality and Cost (Article)Saving Money (Article)Saving Money (Article)Savings Calculator (Article)Spending Money (Article)
3: Making an informed purchase
decision requires a consumer to
critically evaluate price, product
claims, and quality information from a variety of sources.
Under Development
4: Housing decisions depend on
individual preferences, circumstances,
and costs, and can impact personal
satisfaction and financial well-being.
5: Federal and state laws, regulations,
and consumer protection agencies
(e.g., Federal Trade Commission,
Consumer Affairs office, and
Consumer Financial Protection
Bureau) can help individuals avoid
unsafe products, unfair practices, and marketplace fraud.
Under Development
Students will use this knowledge to...: Sample Learning Outcomes
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
Share examples of how price, spending
choices of others, peer pressure, or
advertising influence a purchase
decision.
Under Development
Create a budget that includes expenses
and savings out of a given amount of income.
Under Development
Explain the types of information most
helpful in making a purchase decision.
Under Development
Compare the short-term and long-term
costs and benefits of renting versus
buying a home in their city of residence.
Under Development
Investigate common types of consumer
fraud and unfair or deceptive business
practices, including online scams,
phone solicitations, and redlining.
Under Development
Theme 3: Saving
Content Standards: Students will know that...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.: People save money for many different
purposes, including large purchases
such as cars and homes, education
costs, retirement, and emergencies.
Under Development
2.: Savings decisions depend on
individual preferences and
circumstances, and can impact
personal satisfaction and financial well-being.
Under Development
3.: Compound interest is interest on both
the original principal and previously
earned interest, as compared to
simple interest which is only interest on the original principal.
Under Development
4.: Financial institutions offer several
types of savings accounts, including
regular savings, money market
accounts, and certificates of deposit
(CDs), that differ in minimum deposits,
rates, and deposit insurance coverage.
Under Development
5.: Tax policies that allow people to save
pretax earnings or to reduce or defer
taxes on interest earned provide
incentives for people to save.
Under Development
Sample learning outcomes: Students will use this knowledge to...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
Create a savings plan that will allow
someone to make a large purchase in
one year, 5 years, and 10 years.
Under Development
Discuss how savings decisions can
affect financial well- being.
Under Development
Explain the benefit of compound interest
as compared with simple interest.
Under Development
Compare the features of regular savings
accounts, money market accounts, and
CDs.
Under Development
Explain how traditional IRAs (individual
retirement accounts), Roth IRAs, and
education savings accounts provide
incentives for people to save.
Under Development
Theme 4: Investing
Content Standards: Students will know...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
1: Investors in financial assets expect an
increase in value over time (capital
gain) and/or receipt of regular income,
such as interest or dividends.
Under Development
2: Common types of financial assets
include certificates of deposit (CDs),
stocks, bonds, mutual funds, and real
estate.
Under Development
3: Instead of buying individual stocks
and bonds, investors can buy shares
of pooled investments such as mutual
funds and exchange-traded funds
(ETFs).
Under Development
4: Different types of investments expose
investors to different degrees of risk.
Under Development
5: A person’s investment risk tolerance
depends on factors such as
personality, financial resources,
investment experiences, and life
circumstances.
Under Development
Sample learning outcome: Students will use this knowledge to...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
Explain why some people might prefer
to buy investments that grow in value
over time instead of investments that
pay regular income.
Under Development
Define common types of financial
assets.
Under Development
Discuss the advantages and
disadvantages of investing in a
diversified stock or bond mutual fund
versus individual stocks and bonds.
Under Development
Compare rates of return on different
types of investments and order them by
risk.
Under Development
Discuss how a person’s risk tolerance
influences their investment decisions.
Under Development
Theme 5: Managing credit
Content Standards: Students will know that...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.: Interest rates and fees vary by type of
lender, type of credit, and market
conditions.
Under Development
2.: Borrowing increases debt and can
negatively affect a person’s finances.
Under Development
3.: Post-secondary education is often
financed by students and families/
caregivers through a combination of
scholarships, grants, student loans,
work-study, and savings.
Under Development
4.: A credit score is a numeric rating that
assesses a person’s credit risk based
on information in their credit report.
Under Development
5.: Credit reports and credit scores may
be requested and used by entities
other than lenders.
Under Development
Sample learning outcomes: Students will use this knowledge to...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
Compare lenders based on type of
credit offered, interest rates, and fees.
Under Development
Predict the possible consequences of
having a lot of debt payments relative to
income.
Under Development
Describe the different sources of funding
for post-secondary education.
Under Development
Explain how a borrower’s credit score
can impact their cost of credit and their
ability to get credit.
Under Development
Explain how landlords, potential
employers, and insurance companies
use credit reports and credit scores in
decision-making.
Under Development
Theme 6: Managing risk
Content Standards: Students will know that...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.: Financial loss can occur from
unexpected events that damage
health, wealth, income, property,
and/or future opportunities.
Under Development
2.: Some types of insurance coverage
are mandatory.
Under Development
3.: Health insurance provides coverage
for medically necessary health care
and may also cover some preventive
care. It is sometimes offered as an
employee benefit with the employer
paying some or all of the premium
cost.
Under Development
4.: Unemployment insurance, Medicaid,
and Medicare are public insurance
programs that protect individuals from
economic hardship caused by certain
risks.
Under Development
5.: Online transactions and failure to
safeguard personal documents can
make consumers vulnerable to
privacy infringement, identity theft,
and fraud.
Under Development
Sample learning outcomes: Students will use this knowledge to...
Standard
Defined by Senate Concurrent Resolution No. 66 (Draft)
Banzai Solutions
*Any of the activities listed will satisfy the standard
Describe how an unexpected event that
damages health or property can impact
a family’s financial situation.
Under Development
Research the minimum auto liability
insurance required in the state they live
in and whether it is sufficient to cover
typical auto accident financial losses.
Under Development
Compare the cost of health insurance to
the potential financial consequences of
not having health insurance.
Under Development
Discuss how state unemployment
programs can help reduce economic
hardship caused by job losses during a
recession or pandemic.
Under Development
Provide examples of how online
behavior, e-mail and text-message
scams, telemarketers, and other
methods make consumers vulnerable to
privacy infringement, identity theft, and
fraud.
Under Development