Core Curriculum Content Standards

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NJ World Class Standards
Content Area: 21st-Century Life and Careers
9.4 Career and Technical Education
Content Area 21st-Century Life and Careers
Standard 9.4 Career and Technical Education All students who complete a career and technical education program will acquire academic and technical skills for careers in emerging and established professions that lead to technical skill proficiency, credentials, certificates, licenses, and/or degrees. (For descriptions of the 16 career clusters, see the Career Clusters Table.)
Strand F. Finance Career Cluster
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
12
Academic Foundations: Academic concepts lay the foundation for the full range of career and postsecondary education opportunities within the career cluster.
9.4.12.F.1 Demonstrate language arts knowledge and skills required to pursue the full range of postsecondary education and career opportunities.                                                                                                              
9.4.12.F.2 Demonstrate mathematics knowledge and skills required to pursue the full range of postsecondary education and career opportunities.                                                                                                              
9.4.12.F.3 Demonstrate science knowledge and skills required to pursue the full range of postsecondary education and career opportunities.                                                                                                              
9.4.12.F.4 Solve mathematical problems to obtain information for decision-making in financial settings.                                                                                                              
9.4.12.F.5 Discuss economic principles and concepts that are fundamental to financial operations.                                                                                                              
9.4.12.F.6 Apply sociological knowledge of group behavior to understand financial decision-making by consumers.                                                                                                              
9.4.12.F.7 Apply psychological knowledge of individual behavior to understand financial motivations of consumers.                                                                                                              
Communication Skills: All clusters rely on effective oral and written communication strategies for creating, expressing, and interpreting information and ideas that incorporate technical terminology and information.
9.4.12.F.8 Select and employ appropriate reading and communication strategies to learn and use technical concepts and vocabulary in practice.                                                                                                              
9.4.12.F.9 Demonstrate use of the concepts, strategies, and systems for obtaining and conveying ideas and information to enhance communication.                                                                                                              
9.4.12.F.10 Locate, organize, and reference written information from various sources to communicate with others.                                                                                                              
9.4.12.F.11 Evaluate and use information resources to accomplish specific tasks.                                                                                                              
9.4.12.F.12 Use correct grammar, punctuation, and terminology to write and edit documents.                                                                                                              
9.4.12.F.13 Develop and deliver formal and informal presentations using appropriate media to engage and inform audiences.                                                                                                              
9.4.12.F.14 Interpret verbal and nonverbal cues/behaviors to enhance communication.                                                                                                              
9.4.12.F.15 Apply active listening skills to obtain and clarify information.                                                                                                              
9.4.12.F.16 Develop and interpret tables, charts, and figures to support written and oral communications.                                                                                                              
9.4.12.F.17 Listen to and speak with diverse individuals to enhance communication skills.                                                                                                              
9.4.12.F.18 Exhibit public relations skills in order to increase internal and external customer satisfaction.                                                                                                              
Problem-Solving and Critical Thinking: Critical and creative thinking strategies facilitate innovation and problem-solving independently and in teams.
9.4.12.F.19 Employ critical thinking skills (e.g., analyze, synthesize, and evaluate) independently and in teams to solve problems and make decisions.                                                                                                              
9.4.12.F.20 Employ critical thinking and interpersonal skills to resolve conflicts.                                                                                                              
9.4.12.F.21 Identify, write, and monitor performance goals to guide progress in assigned areas of responsibility and accountability.                                                                                                              
9.4.12.F.22 Conduct technical research to gather information necessary for decision-making.                                                                                                              
Information Technology Applications: Technology is used to access, manage, integrate, and disseminate information.
9.4.12.F.23 Employ technological tools to expedite workflow.                                                                                                              
9.4.12.F.24 Operate electronic mail applications to communicate.                                                                                                              
9.4.12.F.25 Operate Internet applications to perform tasks.                                                                                                              
9.4.12.F.26 Operate writing and publishing applications to prepare business communications.                                                                                                              
9.4.12.F.27 Operate presentation applications to prepare and deliver presentations.                                                                                                              
9.4.12.F.28 Employ spreadsheet applications to organize and manipulate data.                                                                                                              
9.4.12.F.29 Employ database applications to manage data.                                                                                                              
9.4.12.F.30 Employ collaborative/groupware applications to facilitate group work.                                                                                                              
9.4.12.F.31 Employ computer operations applications to manage tasks.                                                                                                              
9.4.12.F.32 Use computer-based equipment (containing embedded computers or processors) to control devices.                                                                                                              
Systems:
  • Roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment impact business operations.

  • Key organizational systems impact organizational performance and the quality of products and services.

  • Understanding the global context of 21st-century industries and careers impacts business operations.
9.4.12.F.33 Describe the nature and types of business organizations to build an understanding of the scope of organizations.                                                                                                              
9.4.12.F.34 Describe and use quality control systems and practices to ensure quality products and services.                                                                                                              
9.4.12.F.35 Discuss the concepts, processes, and skills used to identify new ideas, opportunities, and methods and to create or start a new finance project or venture.                                                                                                              
9.4.12.F.36 Analyze the contribution of accounting systems to the fiscal stability of businesses.                                                                                                              
9.4.12.F.37 Describe tools, strategies, and systems used to maintain, monitor, control, and plan the use of financial resources.                                                                                                              
9.4.12.F.38 Demonstrate industry-specific knowledge of human resources management to enhance productivity and job satisfaction.                                                                                                              
9.4.12.F.39 Describe tools, techniques, and systems used to create, communicate, and deliver value to customers, as well as to manage customer relationships in ways that benefit both the organization and stakeholders.                                                                                                              
9.4.12.F.40 Demonstrate knowledge of customer relations techniques and strategies used in this cluster to foster positive, ongoing relationships with customers.                                                                                                              
9.4.12.F.41 Plan day-to-day activities to enable continued functioning of businesses in this cluster.                                                                                                              
Safety, Health, and Environment: Implementation of health, safety, and environmental management systems and organizational policies and procedures impacts organizational performance, regulatory compliance, and continuous improvement.
9.4.12.F.42 Demonstrate knowledge of personal and jobsite safety rules and regulations to maintain safe and healthful working conditions and environments.                                                                                                              
9.4.12.F.43 Demonstrate knowledge of employee rights and responsibilities and employers’ obligations to maintain workplace safety and health.                                                                                                              
9.4.12.F.44 Identify emergency procedures that are necessary to provide aid in workplace accidents.                                                                                                              
9.4.12.F.45 Identify response techniques to create a disaster and/or emergency response plan.                                                                                                              
9.4.12.F.46 Explain health, safety, and environmental management systems in organizations and their importance to organizational performance and regulatory compliance.                                                                                                              
9.4.12.F.47 Evaluate organizational policies and procedures that contribute to continuous improvement in performance and compliance.                                                                                                              
9.4.12.F.48 Demonstrate knowledge of safety, health, and environmental controls used to enhance productivity of businesses in this cluster.                                                                                                              
Leadership and Teamwork: Effective leadership and teamwork strategies foster collaboration and cooperation between business units, business partners, and business associates toward the accomplishment of organizational goals.
9.4.12.F.49 Employ leadership skills to accomplish goals and objectives.                                                                                                              
9.4.12.F.50 Employ organizational skills to foster positive working relationships and accomplish organizational goals.                                                                                                              
9.4.12.F.51 Employ teamwork skills to achieve collective goals and use team members’ talents effectively.                                                                                                              
9.4.12.F.52 Establish and maintain effective relationships in order to accomplish objectives and tasks.                                                                                                              
9.4.12.F.53 Conduct and participate in meetings to accomplish tasks.                                                                                                              
9.4.12.F.54 Employ mentoring skills to assist others.                                                                                                              
Ethics and Legal Responsibilities: Legal responsibilities, professional ethics, and codes of conduct affect management practices, business performance, and regulatory compliance, as well as the confidence of customers, business partners, and investors.
9.4.12.F.55 Apply ethical reasoning to a variety of situations in order to make ethical decisions.                                                                                                              
9.4.12.F.56 Interpret and explain written organizational policies and procedures that help workers perform their tasks according to employer rules and expectations.                                                                                                              
9.4.12.F.57 Demonstrate knowledge of laws, regulations, and ethical behaviors that affect operations and transactions of businesses in this cluster.                                                                                                              
Employability and Career Development: Employability skills and career and entrepreneurship opportunities build the capacity for successful careers in a global economy.
9.4.12.F.58 Identify and demonstrate positive work behaviors and personal qualities needed to succeed.                                                                                                              
9.4.12.F.59 Develop a Personalized Student Learning Plan to meet career goals and objectives.                                                                                                              
9.4.12.F.60 Demonstrate skills related to seeking and applying for employment in a desired job.                                                                                                              
9.4.12.F.61 Maintain a career portfolio to document knowledge, skills, and experience in a career field.                                                                                                              
9.4.12.F.62 Demonstrate skills in evaluating and comparing employment opportunities in order to accept employment positions that match career goals.                                                                                                              
9.4.12.F.63 Identify and exhibit traits for retaining employment.                                                                                                              
9.4.12.F.64 Identify and explore careers in one or more career pathways to build an understanding of the opportunities available in the cluster.                                                                                                              
9.4.12.F.65 Examine requirements for career advancement to plan for continuing education and training.                                                                                                              
9.4.12.F.66 Research professional development opportunities needed to keep current on relevant trends and information within the cluster.                                                                                                              
9.4.12.F.67 Examine licensing, certification, and credentialing requirements at the national, state, and local levels to maintain compliance with industry requirements.                                                                                                              
9.4.12.F.68 Examine employment opportunities in entrepreneurship as an option for career planning.                                                                                                              
Technical Skills: Technical knowledge and skills play a role in all careers within the cluster and pathway.
9.4.12.F.69 Employ information management techniques and strategies to assist in decision-making.                                                                                                              
9.4.12.F.70 Employ planning and time management skills and tools to enhance results and complete work tasks.                                                                                                              
9.4.12.F.71 Plan the use of financial resources to protect solvency.                                                                                                              
9.4.12.F.72 Plan a finance-based business organization or department.                                                                                                              
9.4.12.F.73 Plan day-to-day activities required for continued functioning of businesses in this cluster.                                                                                                              
9.4.12.F.74 Discuss techniques and strategies used to foster positive, ongoing relationships with customers in this cluster.                                                                                                              
9.4.12.F.75 Access and evaluate financial information to assist business decision-making.                                                                                                              
9.4.12.F.76 Evaluate a financial product or service mix in order to respond to market opportunities.                                                                                                              
9.4.12.F.77 Demonstrate knowledge of financial risk-management strategies and techniques used to minimize business losses.                                                                                                              

ContentArea 21st-Century Life and Careers
Standard 9.4 Career and Technical EducationAll students who complete a career and technical education program will acquire academic and technical skills for careers in emerging and established professions that lead to technical skill proficiency, credentials, certificates, licenses, and/or degrees. (For descriptions of the 16 career clusters, see the Career Clusters Table.)
Strand F. Finance Career Cluster
Pathway (1) Accounting
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
12
Systems:
  • Roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment impact business operations.

  • Key organizational systems impact organizational performance and the quality of products and services.

  • Understanding the global context of 21st-century industries and careers impacts business operations.
9.4.12.F.(1).1 Access and evaluate financial information to assist business decision-making.                                                                                                                                                                                                                            
Ethics and Legal Responsibilities: Legal responsibilities, professional ethics, and codes of conduct affect management practices, business performance, and regulatory compliance, as well as the confidence of customers, business partners, and investors.
9.4.12.F.(1).2 Describe laws and regulations affecting business operations and transactions in order to ensure compliance with industry requirements.                                                                                                                                                                                                                            
Employability and Career Development: Employability skills and career and entrepreneurship opportunities build the capacity for successful careers in a global economy.
9.4.12.F.(1).3 Apply career planning concepts, tools, and strategies to explore, plan, obtain, and develop a career in this pathway.                                                                                                                                                                                                                            
Technical Skills: Technical knowledge and skills play a role in all careers within the cluster and pathway.
9.4.12.F.(1).4 Use accounting tools, strategies, and systems to plan the use and management of financial resources.                                                                                                                                                                                                                            

ContentArea 21st-Century Life and Careers
Standard 9.4 Career and Technical EducationAll students who complete a career and technical education program will acquire academic and technical skills for careers in emerging and established professions that lead to technical skill proficiency, credentials, certificates, licenses, and/or degrees. (For descriptions of the 16 career clusters, see the Career Clusters Table.)
Strand F. Finance Career Cluster
Pathway (2) Banking
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
12
Communication Skills: All clusters rely on effective oral and written communication strategies for creating, expressing, and interpreting information and ideas that incorporate technical terminology and information.
9.4.12.F.(2).1 Demonstrate knowledge of personalized communication strategies used in this pathway to determine client needs and wants and to develop responses intended to influence purchasing decisions and enhance future business opportunities.                                                                                                                                                                                                                            
Systems:
  • Roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment impact business operations.

  • Key organizational systems impact organizational performance and the quality of products and services.

  • Understanding the global context of 21st-century industries and careers impacts business operations.
9.4.12.F.(2).2 Demonstrate knowledge of customer relations strategies that promote ongoing positive relationships with banking customers and enhance organizational image.                                                                                                                                                                                                                            
9.4.12.F.(2).3 Plan the use of financial resources that enhance banking performance.                                                                                                                                                                                                                            
9.4.12.F.(2).4 Demonstrate knowledge of tools, strategies, and systems needed to operate banking equipment.                                                                                                                                                                                                                            
9.4.12.F.(2).5 Plan day-to-day activities within a banking organization to ensure secure operations.                                                                                                                                                                                                                            
Ethics and Legal Responsibilities: Legal responsibilities, professional ethics, and codes of conduct affect management practices, business performance, and regulatory compliance, as well as the confidence of customers, business partners, and investors.
9.4.12.F.(2).6 Describe laws and regulations affecting business operations and transactions in order to ensure compliance with industry requirements.                                                                                                                                                                                                                            
Employability and Career Development: Employability skills and career and entrepreneurship opportunities build the capacity for successful careers in a global economy.
9.4.12.F.(2).7 Apply career planning concepts, tools, and strategies to explore, plan, obtain, and develop a career in this pathway.                                                                                                                                                                                                                            

ContentArea 21st-Century Life and Careers
Standard 9.4 Career and Technical EducationAll students who complete a career and technical education program will acquire academic and technical skills for careers in emerging and established professions that lead to technical skill proficiency, credentials, certificates, licenses, and/or degrees. (For descriptions of the 16 career clusters, see the Career Clusters Table.)
Strand F. Finance Career Cluster
Pathway (3) Business Finance
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
12
Systems:
  • Roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment impact business operations.

  • Key organizational systems impact organizational performance and the quality of products and services.

  • Understanding the global context of 21st-century industries and careers impacts business operations.
9.4.12.F.(3).1 Plan the use of financial resources to ensure business stability.                                                                                                                                                                                                                            
Ethics and Legal Responsibilities: Legal responsibilities, professional ethics, and codes of conduct affect management practices, business performance, and regulatory compliance, as well as the confidence of customers, business partners, and investors.
9.4.12.F.(3).2 Describe laws and regulations affecting business operations and transactions in order to ensure compliance with industry requirements.                                                                                                                                                                                                                            
Employability and Career Development: Employability skills and career and entrepreneurship opportunities build the capacity for successful careers in a global economy.
9.4.12.F.(3).3 Apply career planning concepts, tools, and strategies to explore, plan, obtain, and develop a career in this pathway.                                                                                                                                                                                                                            
Technical Skills: Technical knowledge and skills play a role in all careers within the cluster and pathway.
9.4.12.F.(3).4 Demonstrate knowledge of risk-management strategies and techniques used in this industry to minimize business losses.                                                                                                                                                                                                                            

ContentArea 21st-Century Life and Careers
Standard 9.4 Career and Technical EducationAll students who complete a career and technical education program will acquire academic and technical skills for careers in emerging and established professions that lead to technical skill proficiency, credentials, certificates, licenses, and/or degrees. (For descriptions of the 16 career clusters, see the Career Clusters Table.)
Strand F. Finance Career Cluster
Pathway (4) Insurance
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
12
Communication Skills: All clusters rely on effective oral and written communication strategies for creating, expressing, and interpreting information and ideas that incorporate technical terminology and information.
9.4.12.F.(4).1 Demonstrate knowledge of personalized communication strategies used in this industry to determine client needs and wants and to develop responses intended to influence purchasing decisions and enhance future business opportunities.                                                                                                                                                                                                                            
Systems:
  • Roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment impact business operations.

  • Key organizational systems impact organizational performance and the quality of products and services.

  • Understanding the global context of 21st-century industries and careers impacts business operations.
.
9.4.12.F.(4).2 Access and evaluate information that assists in making decisions in this industry.                                                                                                                                                                                                                            
9.4.12.F.(4).3 Plan day-to-day activities to ensure continued functioning of businesses in this industry.                                                                                                                                                                                                                            
Ethics and Legal Responsibilities: Legal responsibilities, professional ethics, and codes of conduct affect management practices, business performance, and regulatory compliance, as well as the confidence of customers, business partners, and investors.
9.4.12.F.(4).4 Describe laws and regulations affecting business operations and transactions in order to ensure compliance with industry requirements.                                                                                                                                                                                                                            
Employability and Career Development: Employability skills and career and entrepreneurship opportunities build the capacity for successful careers in a global economy.
9.4.12.F.(4).5 Apply career planning concepts, tools, and strategies to explore plan, obtain, and develop a career in this pathway.                                                                                                                                                                                                                            
Technical Skills: Technical knowledge and skills play a role in all careers within the cluster and pathway.
9.4.12.F.(4).6 Demonstrate knowledge of underwriting techniques and strategies to gather, access, and evaluate risks posed by potential clients in this industry.                                                                                                                                                                                                                            

ContentArea 21st-Century Life and Careers
Standard 9.4 Career and Technical EducationAll students who complete a career and technical education program will acquire academic and technical skills for careers in emerging and established professions that lead to technical skill proficiency, credentials, certificates, licenses, and/or degrees. (For descriptions of the 16 career clusters, see the Career Clusters Table.)
Strand F. Finance Career Cluster
Pathway (5) Securities & Investments
By the end of grade Content Statement CPI# Cumulative Progress Indicator (CPI)
12
Communication Skills: All clusters rely on effective oral and written communication strategies for creating, expressing, and interpreting information and ideas that incorporate technical terminology and information.
9.4.12.F.(5).1 Demonstrate knowledge of personalized communication strategies used in this industry to determine client needs and wants and to develop responses intended to influence purchasing decisions and enhance future business opportunities.                                                                                                                                                                                                                            
Systems:
  • Roles within teams, work units, departments, organizations, inter-organizational systems, and the larger environment impact business operations.

  • Key organizational systems impact organizational performance and the quality of products and services.

  • Understanding the global context of 21st-century industries and careers impacts business operations.
9.4.12.F.(5).2 Plan the use of financial resources to prepare for performing key duties in this industry.                                                                                                                                                                                                                            
9.4.12.F.(5).3 Plan day-to-day operations activities to ensure continued functioning of businesses in this industry.                                                                                                                                                                                                                            
Ethics and Legal Responsibilities: Legal responsibilities, professional ethics, and codes of conduct affect management practices, business performance, and regulatory compliance, as well as the confidence of customers, business partners, and investors.
9.4.12.F.(5).4 Describe laws and regulations affecting business operations and transactions in order to ensure compliance with industry requirements.                                                                                                                                                                                                                            
Employability and Career Development: Employability skills and career and entrepreneurship opportunities build the capacity for successful careers in a global economy.
9.4.12.F.(5).5 Apply career planning concepts, tools, and strategies to explore plan, obtain, and develop a career in this pathway.