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General Information

Civic Objective#: 1 Program Year: 2022-2023
Civic Objective: Identify, evaluate, and compare financial service options in the community.
TOPSpro Form #: 018C AAP #: 1.8
Assessment Type: Written

Level Range

From: Beginning Low To: Advanced

Language and Literacy Objectives

Language and literacy objectives with an asterisk (*) are suitable for beginning low level students.
2 Compare advantages and disadvantages of using cash, credit, checks, debit cards, and online services to make purchases and pay expenses.
5 *Examine personal spending habits in order to identify ways to create a budget.
6 Identify and discuss credit issues (e.g. know, monitor and improve credit score, manage/avoid consumer debt, identify ways to build good credit, etc.).
8 *Identify the vocabulary for different types of bank accounts, statements and financial institutions.
9 *Name financial institutions/services in the community.
10 *Ask and answer questions about locations, hours, and cost of services of financial institutions in the community.
12 *Identify issues that may arise when using check-cashing services.
14 Compare the advantages and disadvantages of using financial services provided by banks, credit unions, credit card companies, check cashing services, including direct deposit, online bill pay, mobile payment apps, pay day loans, etc.

Additional Assessment Plan Tasks

Task: 1

Description: Find Information on Banking Institutions (10 points possible)
Given level-appropriate resources such as the internet, ads or brochures, student will complete a chart listing up to 3 local banking institutions (BL=2, BH=3) that are most accessible to students, with level-appropriate information for each. Examples include: bank hours, locations, banking services offered, and fees.

Optimally, the chart will be created on a computer and sent to the assessor electronically.

Points Possible:10Level:Beginning Low - Beginning High
Scoring Rubric Points
Content
80% of the items assigned to the Beginning High level students are correct. 8
70% of the items assigned to the Beginning Low- Beginning High level students are correct. 6
Less than 70% of the items assigned to the Beginning Low-Beginning High level students are correct. 0
Legibility, Neatness, and Spelling
Neat and legible, if handwritten. Spelling errors do not interfere with meaning. 2
Not neat or legible, if handwritten, or spelling errors interfere with meaning. 0

Task: 2

Description: List Advantages and Disadvantages of Financial Services ( 8 points possible)
Student will research financial services and write a list of up to 8 advantages or disadvantages of various banking, credit card, mobile payment and check cashing services (IL=6, IH-A=8), including one advantage and one disadvantage for each service such as direct deposit, online bill pay, electronic statements, mobile payment apps, and pay day loans, etc.

Optimally, the list will be completed on a computer and sent to the assessor electronically.

Points Possible:8Level:Intermediate Low - Advanced
Scoring Rubric Points
Content
Item listed is correct and comprehensible. 1
Item listed is incorrect or incomprehensible or there is no item listed. 0

Task: 3

Description: Personal Finance - Create a Budget (16 points possible)
Given budget guidelines and a scenario that includes household income and expenses, student will create a level-appropriate monthly budget which includes saving for a specific need. The budget will include up to 8 items (BL=5, BH=6, IL=7, IH-A=8) such as:

Housing
Childcare
Food
Utilities
School-related expenses
Car payment and insurance
Clothing
Entertainment
Retirement savings
Saving for a specific need

Optimally, the task will be created on a computer using a spreadsheet software program (e.g. MS Excel) and be sent to the assessor electronically.

Points Possible:16Level:Beginning Low - Advanced
Scoring Rubric Points
Content
Budget item is appropriate, clear, complete, and has correct content. There may be errors that do not interfere with meaning. 2
Budget item is appropriate and has correct content. It may be partially complete. There may be errors that interfere with meaning, but the item can be understood with inference. 1
Budget item is inappropriate, incomprehensible, or incorrect, or there is no item. 0

Task: 4

Description: Write about a Financial Goal

Based on the personal finance budget created in Task 3, and using the SMART (Specific, Measurable, Achievable, Relevant, and Time-based) goal criteria, student will complete a writing task such as write an article or an email or letter (e.g. to a friend/relative) describing 1 (IL) or 2 (IH-A) financial goals and the education and/or activities required to achieve them. In the writing task, students will:

• identify each goal
• state why each goal is important
• describe the action steps needed to achieve each goal, which may include reducing current expenses

Points Possible:20Level:Intermediate Low - Advanced
Scoring Rubric Points
Content
Addresses 2 financial goals effectively. Ideas are well stated, clearly expressed, and supported with concrete, relevant detail. No inference is required. Written in well-organized paragraph(s). 14
Addresses 2 financial goals adequately. Some ideas may not be well stated. Contains some relevant detail. May require minimal inference. Written in adequately-organized paragraph(s). 12
Addresses at least 1 financial goal in a general way but may have gaps. Many ideas may not be well stated. May lack appropriate or sufficient detail or clear focus. May require some inference. May be written in loosely-organized paragraph(s). 10
Addresses at least 1 financial goal minimally, but relation to the task is evident. May be unfocused or unclear. Little or no supporting detail. May require a substantial degree of inference. May not be written in paragraph(s). 8
Financial goal is note addressed, content is incomprehensible or inappropriate or nothing written. 0
Format, Neatness and Legibility
Article: Has a title, and uses appropriate indentations, etc. Writing is neat and legible if handwritten. Letter: Uses standard letter format including 4 items: an appropriate date, salutation, closing, and the writer’s signature. May also include sender’s and recipient’s addresses. Writing is neat and legible, if handwritten. —OR— Email: —Uses standard email format including 4 items: an appropriate subject, salutation, closing, writer's contact information such as name, address, email address and phone number. 2
Article: May not have title. Uses appropriate indentations, etc. May be legible but not neat if handwritten. Letter: Uses letter format including 3 items such as a date, salutation, and the writer’s signature. Writing is legible but may not be neat, if handwritten. —OR— Email: —Uses standard email format including 3 items: an appropriate subject, salutation, and writer's contact information such as name, address, email address and phone number. 1
Article: Does not have a title, does not use appropriate indentations, etc., and/or writing is neither legible nor neat if handwritten. Letter: Not in letter format or writing is neither legible nor neat, if handwritten. —OR— Email: Not in standard email format. 0
Grammar, Structure and Mechanics
Almost no errors in grammar, structure, spelling, capitalization, or punctuation. 4
Some errors in grammar, structure, spelling, capitalization, or punctuation that do not distract the reader. 3
Many errors in grammar, structure, spelling, capitalization, or punctuation that may require the reader to infer meaning. 2
Errors make the writing difficult to understand even with inference. 0

Rating Scale

Total Points Possible: 44
Advanced: 39
Intermediate High: 35
Intermediate Low: 25
Beginning High: 17
Beginning Low: 12
View Civic Obj & AAP List