Skip to content
  • Login
    • FLVS Flex
    • FLVS Full Time (Focus)
    • County Virtual Schools
    • FlexPoint Virtual School
    • Create Parent/Guardian Account (Flex)
  • Contact
  • Careers
FVS Home
  • How It Works
      • Elementary (K-5)
      • Middle (6-8)
      • High (9-12)
      • School Options
      • School Overview Videos
      • Individual Courses (FLVS Flex)
      • Full Time Public School
      • Clubs & Activities
      • Blog
      • End-of-Course Exams
      • Florida Civic Literacy Exam
      • Advanced Placement Exams
  • Curriculum & Courses
      • High School Courses
      • Middle School Courses
      • Elementary School Courses
      • Accelerated Programs Overview
      • Advanced Placement
      • AP Capstone
      • Cambridge AICE
      • Dual Enrollment
      • Driver Education
      • Career and Tech Education
      • World Languages
  • Student & Parent Resources
      • Resource Hub
      • Transcript Request
      • College and Career Planning
      • School Choice Scholarships
      • Reading & Literacy
      • School Safety Resources
      • English for Speakers of Other Languages
      • Exceptional Student Education
      • Student Services
      • Flex Exceptional Student Education (ESE)
      • Flex Calendar
      • Full Time Calendar
      • Annual Academic Calendar
      • Policies and Procedures
      • System Requirements
      • School Store
      • Required Instruction
  • Schools & Districts
      • School & District Solutions
      • District Relations Managers
      • District Counselors Resources
  • About Us
      • About FLVS
      • Mission & Vision
      • Board of Trustees
      • Executive Leadership
      • Proven Results
      • Newsroom
      • Careers
      • Division of Risk Management
      • Public Records Request
      • Financial Information
      • Department of Education Policy
      • Legislative Corner
      • Florida Standards
      • Office of General Counsel
      • Procurement Opportunities
  • Search
  • Enroll

High Personal Financial Literacy

  1. FLVS Home
  2. Curriculum & Courses
  3. High School Courses
  4. Personal Financial Literacy
  • Number of Credits

    0.5

  • Estimated Completion Time

    1 segment / 16-18 weeks

  • Earliest Start Date

    September 2023

Back to Catalog Print Course Details

Pre Requisites

Algebra I recommended

Description

This course does not meet the Florida graduation requirement. 

Learn one of life’s most important lessons - how to make sound financial decisions. In this course, you will learn financial decision-making skills using real-life scenarios. This course will teach the skills and knowledge you need to become a wise consumer, saver, investor, user of credit, and money manager. Use your financial literacy skills to excel in today’s global workforce and society. Access the site links below to view the course descriptions from the Florida Course Code directory.

Regular course description: https://www.cpalms.org/PreviewCourse/Preview/17006

Honors course description: https://www.cpalms.org/PreviewCourse/Preview/14366

Module 01 - Education, Careers, and Income

  • goals beyond a high school education
  • job-related costs and benefits
  • factors that impact the earnings of workers
  • gross and net income
  • the relationship between demand for goods and worker wages
  • productivity of workers • changes in economic conditions
  • effects of a recession on the unemployment rate
  • direct and indirect taxes
  • progressivity of taxes
  • purpose and use of taxes
  • purpose of creating a budget

 

Module 02 - A Time to Spend, A Time to Save

  • factors influencing consumer decisions
  • researching goods and services
  • ways retailers express prices of products in order to influence consumers
  • donating to charitable and non-profit organizations
  • differences between savings and checking accounts
  • services available through financial institutions
  • reasons people choose immediate spending over saving
  • employer benefit programs
  • inflation's impact on society
  • relationship between inflation, nominal interest rate, and real interest rate
  • ways the government protects consumers from fraud
  • government's role in the investment market

Module 03 - Understanding Credit

  • types of credit
  • annual percentage rate (APR)
  • credit options
  • fixed and variable interest rate
  • down payments and collateral
  • secured and unsecured loans
  • common types of mortgages
  • significance of credit scores and reports
  • negative effects of failing to repay a loan
  • ways to receive a credit report
  • ways those in debt can seek assistance
  • benefits and costs to filing for bankruptcy
  • consumer protection laws for credit
  • government regulation of credit card companies
  • goals of fiscal policy (Honors only)
  • how changes in fiscal policy affect the national budget (Honors only)

Module 04 - Managing Risk

  • real return on an investment
  • costs associated with investments
  • how buyers and sellers determine the price of financial assets
  • how interest rates affect investments
  • how economic conditions affect investments
  • how investor actions, the U.S. economy, and the global marketplace impact the rate of return on investment
  • level of risk associated with investments
  • the term of investments affects the rate of return
  • factors that determine a person’s willingness to take financial risk
  • importance of diversification in investing
  • how insurance policies work
  • different types of insurance available
  • ways to avoid identity theft
  • assistance for victims of identity theft

Calculator recommended

Besides engaging students in challenging curriculum, the course guides students to reflect on their learning and evaluate their progress through a variety of assessments. Assessments can be in the form of practice lessons, multiple-choice questions, writing assignments, projects, research papers, oral assessments, and discussions. This course will use the state-approved grading scale. Each course contains a mandatory final exam or culminating project that will be weighted at 20% of the student’s overall grade.***

***Proctored exams can be requested by FLVS at any time and for any reason in an effort to ensure academic integrity. When taking the exam to assess a student’s integrity, the exam must be passed with at least a 59.5% in order to earn credit for the course. 

To achieve success, students are expected to submit work in each course weekly. Students can learn at their own pace; however, “any pace” still means that students must make progress in the course every week. To measure learning, students complete self-checks, practice lessons, multiple choice questions, projects, discussion-based assessments, and discussions. Students are expected to maintain regular contact with teachers; the minimum requirement is monthly. When teachers, students, and parents work together, students are successful.

Ready to start?

Learn how to enroll in FLVS Flex Learn how to enroll in FLVS Full Time

Courses subject to availability.

Pursuant to s. 1002.20, F.S.; A public school student whose parent makes written request to the school principal shall be exempted from the teaching of reproductive health or any disease, including HIV/AIDS, in accordance with the provisions of s. 1003.42(3). Learn more about the process and which courses contain subject matter where an exemption request can be made.

Get Latest Florida Virtual School News

Sign up to receive email updates about our educational offerings and more!

Request More Information
Florida Virtual School

Leading the way in Kindergarten-12th online education for more than 25 years throughout Florida.

Follow

  • Facebook
  • Twitter
  • YouTube
  • Pinterest
  • Instagram

About Us

  • Mission & Vision
  • Board of Trustees
  • Executive Leadership
  • Newsroom
  • Careers
  • FLVS Foundation

More

  • Course Licensing for Schools
  • Help & Tech Support
  • Web Accessibility

©2023 Florida Virtual School. All Rights Reserved.

Under Florida law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by phone or in writing. Fla. Stat. § 668.6076

When you visit or interact with our sites, services or tools, we or our authorized service providers may use cookies for storing information to help provide you with a better, faster and safer experience and for marketing purposes.

Privacy Policy

Chat Bot Logo
Bot logo
Whoops, that's an error!
Our bot services are temporarily offline for maintenance. If you need assistance, please email our support team or call our support desk at 800-374-1430 during business hours Monday through Friday from 7 a.m. to 9 p.m. and on weekends from 9 a.m. to 5 p.m. - FLVS
Correspondence to or from Florida Virtual School and any associated email addresses are subject to public disclosure unless protected by law or otherwise exempted from disclosure under Chapter 119 of the Florida Statutes.