Ace 3 Unit 5

District 11 Educational Support Services
Career & Technical Education

ACE 3 Unit 5: Using Credit Wisely

Overview
Did you know this? If you stick to the minimum amount due to pay off a balance of $1,000 on a card with an 18 percent annual interest rate, it would take you more than 12 years to pay it off. During that time, you would also pay $1,115 in interest charges. That is more than double the original balance. So, that shirt you got on sale for $19.99 really cost you $39.98. If you get a credit card, just be careful. The very first time you pay less than the minimum payment on your bill, it shows up on your credit report. The first time you're late paying a bill, it's there. Every time something goes wrong it's noted in your credit report. This unit will prepare you to make wise decisions about using credit.

For Teachers

Semester 1

Semester 2

Prerequisite

Next Unit

Daily Lessons

District 11 curriculum is designed to prepare and equip students to be successful in the 21st Century. Curriculum resources and lessons included here have been aligned to the Colorado Standards for each content area. In addition, the entire program has been aligned with the knowledge, skills, and learner attributes the Partnership for 21st Century Skills promotes as necessary for success in the 21st Century. You will see the highlighted core values embedded in these lessons and activities.

A	Academic Preparedness: the foundation required for either higher education, or high-wage, high skills jobs
C	Cultural Competence: the ability to understand and interpret political and cultural events from multiple perspectives in a global society, a core competency in 21st Century Skills
H	High-Functioning Team Member Skills: collaboration is a core competency in 21st Century Skills
I	Innovative Thinking and Problem Solving Skills: a core competency for 21st Century Skills
E	Effective Use of Information Technology: a core competency for 21st Century Skills
V	Vital Participation in Civic Responsibility: "share knowledge and participate ethically and productively as members of our democratic society" Standards for the 21st-Century Learner from American Library Assoc.
E	Effective Communication Skills: a core competency for 21st Century Skills

Standards
ACE Standards: Self-Knowledge, Human Relations, Employability Skills/Career Awareness, community/Independent Living Skills/Transition Planning, Leadership
Academic Standards: Reading/Writing 1,2,3,4,5,6; Math 1,5; Science 5; History 3,6;
Civics 1,2,4; Economics 3; Theatre 1

Reading Writing
RW1.0 Students read and understand a variety of materials.
RW1.1 use a full range of strategies to comprehend materials such as technical writing, newspapers, magazines, poetry, short stories, plays, novels, essays, speeches, autobiographies, and first-person historical documents.
RW4.0 Students apply thinking skills to their reading, writing, speaking, listening and viewing.
RW4.2 use reading, writing, listening, articulate speaking, and viewing to solve problems
RW5.0 Students read to locate, select, and make use of relevant information form a variety of media, reference, and technological sources.
RW5.5 use available technology to access information, conduct research, and produce a carefully documented product

Workforce Communication
COM1.0 Demonstrates the ability to receive and relay information clearly and effectively.
COM1.1 listening-receives attends to, understands and responds to verbal and non-verbal messages.
COM1.2 speaking-clearly organizes and effectively presents ideas orally
COM1.3 reading-locates, understands and interprets written information in prose and documents to perform tasks
COM1.4 writing-organizes and effectively presents ideas and information in writing
COM1.5 interpreting-delineates and analyzes oral and written information and synthesizes information into a conclusion
COM1.6 negotiating-works toward agreement while maintaining position
COM1.7 persuading-communicates ideas to justify position, overcome resistance and convince others

Workforce Organization
ORG2.1 planning-devising and outlining a process to achieve a goal and timeline
ORG2.2 time management-applies appropriate time to task and manages multiple priorities
ORG2.3 using resources-identifies, organizes, plans and allocates resources
ORG2.4 systems thinking-understands the nature of systems, develops and adapts systems to meet organizational needs
ORG2.5 evaluating-collects, evaluates and uses data to monitor and improve performance

Workforce Technical Skill
TECH5.1 demonstrates computer literacy-uses key boarding skills, computer programs, and understands basic computer operations

Workforce Thinking Skills
TS3.0 demonstrates the ability to use reasoning
TS3.1 problem solving-identifies and recognizes a problem, considers alternatives, devises and implements a logical plan of action
TS3.2 decision making-uses a process to identify goals and constraints, evaluate alternatives and reach a conclusion
TS3.3 creative thinking-generates new and innovative ideas
TS3.4 learning-uses efficient techniques to acquire and apply new knowledge and skills
TS3.5 analyzing-identifies bias of information sources, evaluates contradictory information and effectively manages information

Workforce Quality
WQ4.2 team member-contributes to group effort through cooperation and consensus
WQ4.3 responsibility-follows through consistently with honesty and integrity
WQ4.4 flexibility-shows versatility and the ability to change
WQ4.5 leadership-creates a direction/vision for others to follow, aligns management methods with vision and implements a system of accountability
WQ4.6 works with diversity-accepts differences and works well with individuals from a variety of backgrounds and/or with divergent philosophies or ideas

District 11 Diamond Units/Lessons Overview - includes information about the purpose, goals and structure of these sample instructional units:

Lesson 1:
Duration: @ 1 class period

Activities

ACE 4 Pretest - Complete.