Arkansas
10th-12th Grade
State Standards
Look below to see how Banzai's courses, worksheets, activities, and games align with the Financial Literacy Model Framework for 10th-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.
Standard 1.0: Assess the role of money in personal finance.
Performance Indicator 1.1: Assess the role and functions of money in the economy.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.1.1: Research the origins of money and its role in the economy.
1.1.2: Investigate the regulatory roles of the U.S. Treasury and the Federal Reserve in establishing monetary policy.
1.1.3: Investigate sources of tax revenue and how monies are redistributed.
1.1.4: Explain the concept of a 'cashless society'.
Under Development
Performance Indicator 1.2: Examine the relationship between income and career choice.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.2.1: Explore career opportunities in finance and financial planning.
1.2.2: Develop job‑seeking skills, including résumé building and interview skills.
1.2.3: Identify job duties, skills, and abilities required for careers in finance and financial planning.
1.2.4: Examine and compare employment benefits offered by potential employers.
Performance Indicator 1.3: Analyze income, payroll, and employment forms.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.3.1: Examine and complete W‑4, I‑9, and employee‑benefit forms.
1.3.2: Identify the components of a paycheck.
1.3.3: Evaluate how payroll deductions (federal and state income taxes, FICA, optional deductions) impact gross pay.
1.3.4: Calculate gross and net income for salary, hourly, and overtime pay.
1.3.5: Investigate the individual's responsibility in accurately reporting income.
Performance Indicator 1.4: Assess the role of budgeting in meeting financial goals.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.4.1: Distinguish between wealth and net worth, comparing and contrasting the two.
1.4.2: Use a goal‑setting strategy to create personal financial goals (short‑ and long‑term planning).
1.4.3: Determine the purpose and need for a budget, identifying factors such as charitable giving, saving, food, clothing, transportation, personal expenses, insurance, household expenses, and recreation.
Cost of College (Game)Consumer Smarts (Game)Life Scenarios (Game)Advanced Budgeting (Game)High School Personal Finance (Workbook)Cost of Living (Worksheet)High School Course Review (Worksheet)Income & Expenses (Worksheet)Owning a Car (Worksheet)Work-Life Balance (Worksheet)50/30/20 Rule (Worksheet)Business Plan (Article)Fixed & Variable College Costs (Article)College Expenses (Article)50/30/20 Budgeting (Article)
1.4.4: Explain the reasons for saving and discuss several methods of saving to reach financial goals.
1.4.5: Create and balance a budget, incorporating financial‑management strategies.
Cost of College (Game)Consumer Smarts (Game)Life Scenarios (Game)Advanced Budgeting (Game)High School Personal Finance (Workbook)Cost of Living (Worksheet)Owning a Car (Worksheet)50/30/20 Rule (Worksheet)Income & Expenses (Worksheet)Emergency Fund (Worksheet)Work-Life Balance (Worksheet)High School Course Review (Worksheet)Fixed & Variable College Costs (Article)Business Plan (Article)College Expenses (Article)50/30/20 Budgeting (Article)
1.4.6: Examine factors that influence consumer spending and demonstrate financially beneficial shopping strategies.
1.4.7: Calculate shopping discounts.
1.4.8: Calculate correct change due in a cash transaction.
Under Development
Performance Indicator 1.5: Assess the impact of interest on borrowing and investing.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
1.5.1: Compare the effects of interest rates as applied to saving and loaning money.
1.5.2: Examine how consumers are affected by raising and lowering interest rates.
1.5.3: Describe concepts relating to simple and compound interest.
Standard 2.0: Analyze the services financial institutions provide for consumers.
Performance Indicator 2.1: Evaluate types of financial institutions and services they provide.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
2.1.1: Distinguish between types of financial institutions and their regulatory agencies (FDIC, NCUA).
2.1.2: Investigate factors to consider when shopping for a financial institution.
2.1.3: Research banking services available to consumers (checking, savings, CDs, mutual funds, money‑market accounts).
2.1.4: Explore the process for opening different types of accounts.
Performance Indicator 2.2: Investigate types of consumer protection and concepts of credit abuse and fraud.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
2.2.1: Identify types of fraud and credit abuse.
2.2.2: Examine the different types of consumer protection.
2.2.3: Develop strategies to protect oneself from fraud and identity theft.
Digital Footprint (Game)Digital Dragons (Game)Internet Safety (Game)Digital Citizenship (Workbook)Scams (Worksheet)Clickbait and Phishing (Worksheet)Internet Safety Course Review (Worksheet)Internet Safety Scenario Sorting (Worksheet)Cybersecurity (Article)Internet Safety Rules (Article)Identity Theft (Article)
2.2.4: Assess the need for banking insurance and the role it plays in achieving financial security.
Standard 3.0: Demonstrate the ability to use credit as a financial tool.
Performance Indicator 3.1: Evaluate the use of credit in effective financial management.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
3.1.1: Compare and contrast sources of credit, evaluating the products and services of each.
3.1.2: Differentiate between types of credit and loans.
3.1.3: Calculate the actual costs associated with credit.
3.1.4: Examine the credit‑card and loan‑application process, including factors related to credit approval.
3.1.5: Evaluate the risks associated with over‑extending credit, types of debt management, and how bankruptcy may affect future financial opportunities.
3.1.6: Explain the purpose of collateral and explore the various types.
3.1.7: Determine the impact that a down‑payment has on the cost of a loan and how it decreases risk for the lender.
Performance Indicator 3.2: Assess the impact of using credit cards to manage credit.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
3.2.1: Evaluate the use of credit cards as compared with other types of credit.
3.2.2: Investigate the advantages and disadvantages of using credit cards to manage finances.
3.2.3: Analyze how credit‑card use influences credit score.
Standard 4.0: Evaluate the use of insurance for risk management.
Performance Indicator 4.1: Understand insurance and risk management concepts.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
4.1.1: Assess the need for insurance in managing risk.
4.1.2: Define the basic terminology of insurance.
Performance Indicator 4.2: Investigate types of insurance available in the marketplace.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
4.2.1: Analyze auto‑insurance coverage and factors affecting cost.
4.2.2: Evaluate health‑insurance options.
4.2.3: Explore and assess the need for supplemental‑insurance plans.
Under Development
4.2.4: Assess the need for home‑owners and rental insurance.
Standard 5.0: Determine the value and risk of investments.
Performance Indicator 5.1: Explore investment services offered by a variety of institutions.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
5.1.1: Research institutions involved in regulating investing, including the Securities Exchange Commission (SEC).
Under Development
5.1.2: Examine the difference between investment providers.
Under Development
Performance Indicator 5.2: Evaluate the types of investments available in the marketplace.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
5.2.1: Discuss various markets, major indices, and types of markets.
5.2.2: Describe different types of investments.
5.2.3: Research the purpose of stocks and factors that affect the price.
5.2.4: Investigate the different types of mutual funds.
5.2.5: Explore the different types of bonds, including the issuers and factors affecting price.
5.2.6: Apply investment strategies, including risk vs. return and portfolio management.
Standard 6.0: Determine financial strategies used to meet personal goals.
Performance Indicator 6.1: Determine financial strategies used to meet long‑term financial goals.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
6.1.1: Assess how financial strategies should change with the stages of the individual life cycle.
Under Development
6.1.2: Investigate planning strategies for retirement.
6.1.3: Research financial planning for other long‑term goals.
6.1.4: Discuss the importance and purpose of wills and choosing/designating beneficiaries.
Under Development
6.1.5: Investigate the need for estate planning, including probate, intestate, and inheritance taxes.
Under Development
Performance Indicator 6.2: Evaluate housing options in relation to achieving financial goals.
Standard
Defined by Financial Literacy Model Framework
Banzai Solutions
*Any of the activities listed will satisfy the standard
6.2.1: Compare and contrast the actual costs and benefits of renting vs. owning.
6.2.2: Analyze factors in determining mortgage costs.