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Adult Roles & Financial Literacy
This course prepares students to understand human relationships involving individuals and families integrated with general financial literacy. Topics include career and workforce preparation; dating, marriage, and parenting; decision-making, communication, and selfawareness; money management, saving, investing; and individual roles and responsibilities within the family, community, and workforce. This course will strengthen comprehension of concepts and standards outlined in Science, Technology, Engineering and Math (STEM) education. Student leadership and competitive events (FCCLA) may be an integral part of the course. Students who complete the entire 1.0 course will fulfill the General Financial Literacy graduation requirement.
The Adult Roles and Financial Literacy (ARFL) 1.0 credit course will fulfill the .5 credit General Financial Literacy (GFL) graduation requirement, with the remaining .5 credit counting as CTE or elective credit. In order to fulfill the credit a student must pass the entire 1.0 course, as the General Financial Literacy standards are taught throughout the course. (Standards 1, 4, 5, 6, and 8 will be covered on Skill Certification Test #319 and Standards 2, 3, and 7 will be covered on GFL Test #4501.)
NOTE: By Utah State law, parental or guardian consent is required for a student to participate in human sexuality instruction. State policy states that instruction includes the importance of marriage and the family, abstinence from sexual activity before marriage, and fidelity after marriage. Consult the local school district on its policy regarding the teaching of human sexuality and district approved instructional materials.
GENERAL INFORMATION









Performance Objective 1:
Complete FCCLA Step One. https://www.uen.org/cte/facs_cabinet/facs_cabinet10.shtml
STRAND 1
Students will participate in activities that help increase their self-awareness, values and will use a rational decision making process to set and implement personal and financial plans and goals.
Standard 1: How self-concept and self-esteem are built and preserved.
Body Image, 320 Pound Woman from Holland
Building Self-Esteem
Here Is a Great Life Skill
Meet the Robinsons Video
Self Concept
Siemens Pursuit of Excellence
Ultimate Gift
Ultimate Gift
Ultimate Gift Worksheet
Video Ideas for Adult Roles
Watched Pot Self Worth
Watched Pot Story Self Worth
Standard 2: How values impact interpersonal relationships and financial decisions.
Instructions and Questions, Etc.
Murder Mystery Explained
Murder Mystery Presentation
Values Commercial Ideas
Values Essay
Values Resource
Standard 3: Classify short- and long-term goals and the steps needed to achieve them.
Goals and Decision Making
Goals and Decisions Project
Goals Lesson Video Clip Links
ARFL #2 Performance Objective: Identify two personal and one financial value and set a short- and long-term goal that relates to each of these values.
Standard 4: Describe the decision making process, including acceptance of personal responsibility for the consequences of the decision.
6 Important Decisions You'll Make in High School
"A Walk to Remember"
Decision Making 1
Decision Making 2
Decision Making 3
Decision Making Case Studies
Decision Making Note Sheet
Decision Making: Ode to the Zode
Decisions
Goals and Decision Making
STRAND 2
Students will understand sources of income and the relationship between income and career preparation to reach financial goals.





Standard 2: Analyze criteria for selecting a career and the impact of career choices on income and financial goals.
Blank Resume
BLS Career Information
Can Poor Spelling Derail a Career?
Career
Career Activity Worksheet
Career and Income Unit
Career Planning
Career Project Research
Career Research Project
Careers Scattegories
Career Unit
Dress for Success
Economic Times Cartoon (Calvin and Hobbes)
Interview Don'ts!
Job Interview Examples: Moderately Prepared
Job Interview Examples: Very Prepared
Jobs and Careers
Personality Profiling Test
Real Day: Getting a Job
Resume Assignment and Rubric
Resume Sample
Safety at Work Awards
Sources of Income and the Relationship
Ten Things Every Employee Should Know
Utah Education Job Website
ARFL #3 Performance Objective: Research a human services career, including educational requirements, skill development, and income potential.
Career Investigation
Career Research
Career Websites
Cover Letters Information Sheet
Human Services Career Pathways
Human Services Pathways
Job Interview First Impressions
Standard 3: Understand the effects of state, local, and federal taxes and voluntary deductions on wages and income, the difference between gross and net income, and the similarities and differences between wages and income. (GFL 2.1.5)
Cookie Monster Tax Signs
Introduction to Paychecks and Taxes
Tax Simulation
Tax Simulation
Tax Simulation Key
Tax Simulation Worksheet
Understanding Your Income
Standard 4: Understand and begin preparation for career and post-high school training. (GFL 2.2)
STRAND 3
Students will identify and explain the process of budgeting, consumer rights and responsibilities and effective practices for purchasing consumer goods and services.













ARFL #4 Performance Objective: Track your personal income and expenses for two weeks.
Standard 2: Students will describe the rights and responsibilities of buyers and sellers under consumer protection laws. (GFL 4.4)
Brand Power
Consumer Case Studies
Consumer Fraud
Consumer Fraud
Consumer Lab
Consumer Rights and Responsibilities
Consumer Rights and Responsibilities Notes
Consumerism
Federal Trade Commission Identity Theft
ID Theft video web address by the Federal Trade Commission
Identity Theft
Identify Theft
Identity Theft Consumer Protection
Identity Theft Consumer Protection with Fraud Quiz
Identify Theft Lesson Plan
Identify Theft Notes
New Logos for Current Bad Economic Times
Scams and Schemes
Store Brand Taste Off
ARFL #5 Performance Objective: Select an item to purchase. Research and compare at least three brands using consumer information resources. Use the decision-making process to determine which product to buy.
STRAND 4
Students will identify effective communication in interpersonal relationships and ways to develop meaningful relationships in the family unit.




ARFL #6 Performance Objective: Practice using at least two constructive communication skills.
Standard 2: Identify positive and negative nonverbal communication.
Non Verbal Communication Uno Game
Standard 3: Develop positive assertion skills to be used in conflict resolution.
Assertive Conflict Resolution
STRAND 5
Students will list the functions and purposes of responsible dating.











Standard 2: List dating behaviors that support personal values and identify the personal responsibilities associated with dating.
Sex Still Has a Price Tag 1
Sex Still Has a Price Tag 2
Sex Still Has a Price Tag - Session 1
Sex Still Has a Price Tag - Video Worksheet 1
Sex Still Has a Price Tag - Video Worksheet 2
Sex Still Has a Price Tag - Video Worksheet Key
ARFL #7 Performance Objective: Set personal rules/responsibilities related to dating behaviors that support your personal values.
Standard 3: Identify the dangers of physical intimacy during dating.
HIV Awareness Game Instructions
I Am Not Hurting Anyone Story
National Day to Prevent Teen Pregnancy
Spreading STDs
STD Chunky Water Activity
Teen Pregnancy Results
Standard 4: Define domestic violence, abuse, and various sexual violations including sexual harassment.
Avoiding Pornography
Date Violence Info
Dating Violence and Date Rape
Dating Violence Brochure
LINA Curriculum 10_07
No One Will Tell You Worksheet
Pornography Prevention Reading Parts
Rape
STRAND 6
Students will identify the aspects and importance of marriage preparation and identify behaviors and financial decisions and practices that strengthen marital and family relationships.








ARFL #8 Performance Objective: Develop a personal list of characteristics, qualities and values desired in a marriage partner.
Standard 2: Identify the purposes of the engagement period.
Adult Roles and Responsibilities Ideas
Honeymoon
Mother of the Bride Responsibilities
Mother of the Bride Evaluations B2
What Does a Wedding Cost
Standard 3: Define marital roles and related issues (e.g., household responsibilities, child care, etc.). Apply methods of conflict resolution as related to marriage, and identify positive characteristics and behaviors of strong marriage relationships.
Adult Roles and Responsibilities Great Link
Family Feud Marital Risks Game
Get Bugs Out of Your Marriage
Getting the Bugs Out of Your Marriage
Honeymoon Resolving Conflict
Jacobson’s Marital Roles
Male or Female Story
Marital Risks that Result in Divorce
Marital Roles Role Play
Put Another Log on the Fire
Resolving Conflict
Successful In-Law Relationships
The Good Wife’s Guide, 1955
UtahMarriage.org
Wedding Day
ARFL #9 Performance Objective: Apply conflict resolution and problem-solving strategies to resolve an identified common source of marital conflict.
Standard 4: List the positive characteristics that affect family relationships throughout the family life cycle.
The Changing Family
Family Life Cycles Family Forms
Family Tree
My Sister’s Keeper
Sense of a Goose Analogy
Strengthening Families
Video Ideas for Adult Roles
Yours, Mine and Ours
Yours, Mine and Ours Video
Yours, Mine and Ours Video Notes
Standard 5: Identify marriage and family financial goals and developing budget strategies.
A Monthly Budget
Budget for Young Married Couple
Budget Sheet
Buying a Car
Marriage
Monthly Budget Ledger
Occupation and Salary Based on GPA
ARFL #10 Performance Objective: Develop a realistic monthly budget for a family based upon a set income which includes: savings, housing, utilities, transportation, insurance, clothing, entertainment, and miscellaneous categories.
Standard 6: Identify the effects of divorce and coping strategies.
7 Things Science Says Predict Divorce
Death and Grieving
Death Notes by Mrs. Carey
Divorce
STRAND 7
Students will practice family financial planning as it pertains to saving, investing, and risk management.
Standard 1: Describe and discuss financial institutions and demonstrate how to manage personal financial accounts. (GFL 3.1)
Comparing Financial Institutions
FEFE Checking Simulation
FEFE Guardian Angel Bank Statements 1
FEFE Guardian Angel Bank Statements 2
FEFE Guardian Angel Bank Statements 3
Financial Institution Comparison Newsletter Assignment
Financial Institutions
ARFL #11 Performance Objective: Demonstrate how to manage a checking/debit account. Include how a bank statement is reconciled with a monthly statement.
Standard 2: Describe and discuss the impact of credit and debt on personal money management. (GFL 4.2)
Loan Amortization Excel Spreadsheet Information
Mortgage Vocabulary
Pay Attention to Paying With Debit/Credit Cards
ARFL #12 Performance Objective: Evaluate three different credit card applications AND determine the total cost of an item purchased on credit at three different rates of interest.
Standard 3: Explain and understand credit reports and scores. (GFL 4.3)
Credit Scoring for Students
Standard 4: Discuss the dynamics of saving and investing. (GFL 3.2)
Retirement History
Savings Assignment
What Does One Trillion Dollars Look Like
Standard 5: Discuss the purposes of insurance/risk management. (GFL 3.3.1)
STRAND 8
Students will identify the various skills and responsibilities of parenting and list effective ways to develop meaningful relations in home and family life.






ARFL #13 Performance Objective: Evaluate personal readiness for parenting (social, emotional, physical, intellectual, etc.).
Standard 2: Explain the human reproductive process, infertility, pregnancy, and steps that lead to a healthy lifestyle.
Standard 3: Explain the birth process and needs of a newborn.
Standard 4: Identify signs and types of child abuse and prevention strategies.
Standard 5: Identify parenting styles, including positive guidance techniques that help children develop positive self-concepts, self-management, and responsibility.
ARFL #14 Performance Objective: Apply positive guidance techniques to resolve three child-rearing problems.
ADDITIONAL GENERAL INFORMATION







Books for Reading Reports
Consent Form Alternate Assignment Ideas
Dibble Training for Connections: Relationships & Marriage
FEFE Newsletter and Links
Free Teaching Tolerance Resources
High School Counselor Flyer for Adult Roles
Oh the Places You'll Go
Videos on Relationships, Personal Finance, Parenting
Zions Bank