Hawaii Department of Education Standards with Opportunities to

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 1 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

K.RI.10

Actively engage in

group reading activities

with purpose and

understanding.

K.OA.2

Solve addition and

subtraction word

problems, and add and

subtract within 10, e.g.,

by using objects or

drawings to represent the

problem.

CTE.K.2.1

Explain that current

learning relates to life

outside the classroom.

CTE.K.2.2

Identify various workers

and their jobs in the

community.

SS.K.8.1

Explain people's basic

needs and how they fulfill

them.

SS.K.8.2

Differentiate buyers (e.g.,

a parent or caregiver)

and sellers (e.g., a store

owner or other

producer).

K-2-ETS1-1

Ask questions, make

observations, and gather

information about a

situation people want to

change to define a

simple problem that can

be solved through the

development of a new or

improved object or tool.

Science and

Engineering Practices:

Analyzing and

Interpreting Data, Using

Mathematics and

Computational Thinking,

Obtaining, Evaluating,

and Communicating

Information.

1.RI.6

Distinguish between

information provided

by pictures or other

illustrations and

information provided

by the words in a text.

1.RI.10

With prompting and

support, read

informational texts

appropriately complex

for grade 1.

1.OA.1

Use addition and

subtraction within 20 to

solve word problems

involving situations of

adding to, taking from,

putting together, taking

apart, and comparing,

with unknowns in all

positions, e.g., by using

objects, drawings, and

equations with a symbol

for the unknown number

to represent the problem.

SS.1.2.1

Use a variety of primary

sources (e.g., artifacts,

letters, photographs) to

gain an understanding of

historical events.

SS.1.3.1

Compare own life with

those of children in

history.

SS.1.8.1

Compare needs and

wants.

SS.1.8.2

Explain how people trade

or use money to obtain

goods and services.

SS.1.8.3 Define various

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 2 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

goods (things that people

need or want) and

services (jobs people

perform that satisfy

people's needs or

wants).

2.RI.7

Explain how specific

images (e.g., a

diagram showing how

a machine works)

contribute to and

clarify a text.

2.RI.10

By the end of year,

read and comprehend

informational texts,

including history/social

studies, science, and

technical texts, in the

grades 2/3 text

complexity band

proficiently, with

scaffolding as needed

at the high end of the

range.

2.OA.1

Use addition and

subtraction within 100 to

solve one- and two-step

word problems involving

situations of adding to,

taking from, putting

together, taking apart,

and comparing, with

unknowns in all positions,

e.g., by using drawings

and equations with a

symbol for the unknown

number to represent the

problem.

2.MD.8

Solve word problems

involving dollar bills,

quarters, dimes, nickels,

and pennies, using $

(dollars) and ¢ (cents)

symbols appropriately.

Example: If you have 2

dimes and 3 pennies,

how many cents do you

CTE.2.2.1

Use appropriate

strategies for setting

goals.

SS.2.2.1

Investigate the history of

families using level-

appropriate primary

sources (e.g., artifacts,

photographs, interviews,

documents).

SS.2.8.1

Explain scarcity and its

effects on daily life.

SS.2.8.3

Explain how people

benefit from trade (the

exchange of goods and

services).

SS.2.8.4

Compare the roles of

buyers and sellers and

explain how they depend

upon each other.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 3 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

have?

3.RI.7

Use information gained

from illustrations (e.g.,

maps, photographs)

and the words in a text

to demonstrate

understanding of the

text (e.g., where,

when, why, and how

key events occur).

3.RI.10

By the end of the year,

read and comprehend

informational texts,

including history/social

studies, science, and

technical texts, at the

high end of the grades

2/3 text complexity

band independently

and proficiently.

3.OA.8

Solve two-step word

problems using the four

operations. Represent

these problems using

equations with a letter

standing for the unknown

quantity. Assess the

reasonableness of

answers using mental

computation and

estimation strategies

including rounding. (This

standard is limited to

problems posed with

whole numbers and

having whole-number

answers; students should

know how to perform

operations in the

conventional order when

there are no parentheses

to specify a particular

order.)

3.MD.3

Draw a scaled picture

graph and a scaled bar

graph to represent a data

set with several

SS.3.8.1

Explain that opportunity

cost is the best

alternative given up

when making a choice

SS.3.8.2

Explain that goods and

resources are limited

because there are not

enough natural, human,

and capital resources to

satisfy everyone's wants

SS.3.8.3

Describe how money

makes it easy to trade

goods and services

3-5-ETS1-1

Define a simple design

problem reflecting a need

or a want that includes

specified criteria for

success and constraints

on materials, time, or

cost.

3-5-ETS1-2

Generate and compare

multiple possible

solutions to a problem

based on how well each

is likely to meet the

criteria and constraints of

the problem.

Science and Engineering

Practices: Analyzing and

Interpreting Data, Using

Mathematics and

Computational Thinking,

Obtaining, Evaluating,

and Communicating

Information.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 4 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

categories. Solve one-

and two-step "how many

more" and "how many

less" problems using

information presented in

scaled bar graphs. For

example, draw a bar

graph in which each

square in the bar graph

might represent 5 pets.

4.RI.7

Interpret information

presented visually,

orally, or quantitatively

(e.g., in charts, graphs,

diagrams, time lines,

animations, or

interactive elements on

Web pages) and

explain how the

information contributes

to an understanding of

the text in which it

appears.

4.RI.10

By the end of year,

read and comprehend

informational texts,

including history/social

studies, science, and

technical texts, in the

4.OA.3

Solve multistep word

problems posed with

whole numbers and

having whole-number

answers using the four

operations, including

problems in which

remainders must be

interpreted. Represent

these problems using

equations with a letter

standing for the unknown

quantity. Assess the

reasonableness of

answers using mental

computation and

estimation strategies

including rounding.

4.MD.2

Use the four operations

CTE.4.2.1

Analyze how doing well

in school affects future

career opportunities.

Pre-contact Hawaii

SS.4.3.2

Explain the history of

Hawaii's early economy.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 5 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

grades 4/5 text

complexity band

proficiently, with

scaffolding as

necessary at the high

end of the range.

to solve word problems

involving distances,

intervals of time, liquid

volumes, masses of

objects, and money,

including problems

involving simple fractions

or decimals, and

problems that require

expressing

measurements given in a

larger unit in terms of a

smaller unit. Represent

measurement quantities

using diagrams such as

number line diagrams

that feature a

measurement scale.

5.RI.7

Draw on information

from multiple print or

digital sources,

demonstrating the

ability to locate an

answer to a question

quickly or to solve a

problem efficiently.

5.RI.10

By the end of the year,

read and comprehend

informational texts,

5.NBT.7

Add, subtract, multiply,

and divide decimals to

hundredths, using

concrete models or

drawings and strategies

based on place value,

properties of operations,

and/or the relationship

between addition and

subtraction; relate the

strategy to a written

method and explain the

SS.5.8.1

Explain the opportunity

costs considered by the

settlers before moving to

the colonies.

SS.5.8.2

Recognize that

governments raise

money (i.e., taxes) to pay

for goods and services

and describe why the

American colonists were

dissatisfied with the

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 6 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

including history/social

studies, science, and

technical texts, at the

high end of the grades

4/5 text complexity

band independently

and proficiently.

reasoning used.

colonial system of

taxation.

6.RI.7

Integrate information

presented in different

media or formats (e.g.,

visually, quantitatively)

as well as in words to

develop a coherent

understanding of a

topic or issue.

6.RI.10

By the end of the year,

read and comprehend

literary nonfiction in the

grades 6-8 text

complexity band

proficiently, with

scaffolding as needed

at the high end of the

range.

6.NS.5

Understand that positive

and negative numbers

are used together to

describe quantities

having opposite

directions or values (e.g.,

temperature above/below

zero, elevation

above/below sea level,

debits/credits,

positive/negative electric

charge); use positive and

negative numbers to

represent quantities in

real-world contexts,

explaining the meaning of

0 in each situation.

6.EE.6

Use variables to

represent numbers and

write expressions when

solving a real-world or

mathematical problem;

CTE.6.2.1

Establish personal and

learning goals related to

career and life interests.

SS.6.8.2

Describe, in terms of

opportunity cost, why it

was so difficult for

Christopher Columbus to

find financial support for

his voyages.

MS-ETS1-1

Define the criteria and

constraints of a design

problem with sufficient

precision to ensure a

successful solution,

taking into account

relevant scientific

principles and potential

impacts on people and

the natural environment

that may limit possible

solutions.

Science and

Engineering Practices:

Analyzing and

Interpreting Data, Using

Mathematics and

Computational Thinking,

Obtaining, Evaluating,

and Communicating In

formation.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 7 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

understand that a

variable can represent an

unknown number, or,

depending on the

purpose at hand, any

number in a specified set.

7.RI.7

Compare and contrast

a text to an audio,

video, or multimedia

version of the text,

analyzing each

medium’s portrayal of

the subject (e.g., how

the delivery of a

speech affects the

impact of the words).

7.RI.10

By the end of the year,

read and comprehend

literary nonfiction in the

grades 6-8 text

complexity band

proficiently, with

scaffolding as needed

at the high end of the

range.

7.RP.3

Use proportional

relationships to solve

multistep ratio and

percent problems.

Examples: simple

interest, tax, markups

and markdowns,

gratuities and

commissions, fees,

percent increase and

decrease, percent error.

7.EE.3

Solve multi-step real-life

and mathematical

problems posed with

positive and negative

rational numbers in any

form (whole numbers,

fractions, and decimals),

using tools strategically.

Apply properties of

operations as strategies

to calculate with numbers

in any form; convert

CTE.7-8.2.2

Develop a preliminary

individual education and

career plan.

CTE 7-8.2.3

Analyze the relationship

between personal

characteristics, interests,

abilities, and skills and

achieving personal and

career goals.

SS.7HHK7.1

Analyze the relationship

between economic

activities, their location,

and the physical

characteristics of a given

place (including

businesses, plantations,

and trading).

SS.7HHK.8.1

Explain how prices and

products (including

sandalwood, whales, and

sugar) were affected by

the interactions between

producers in Hawaii and

global buyers in this era.

SS.7HHK.8.2

Describe how trade

between Hawaii and

other countries is

affected by regulations.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 8 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

between forms as

appropriate; and assess

the reasonableness of

answers using mental

computation and

estimation strategies. For

example: If a woman

making $25 an hour gets

a 10% raise, she will

make an additional 1/10

of her salary an hour, or

$2.50, for a new salary of

$27.50. If you want to

place a towel bar 9 3/4

inches long in the center

of a door that is 27 1/2

inches wide, you will

need to place the bar

about 9 inches from each

edge; this estimate can

be used as a check on

the exact computation.

7.EE.4

Use variables to

represent quantities in a

real-world or

mathematical problem,

and construct simple

equations and

inequalities to solve

problems by reasoning

about the quantities.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 9 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

a. Solve word problems

leading to equations of

the form px + q = r and

p(x + q) = r, where p, q,

and r are specific rational

numbers. Solve

equations of these forms

fluently. Compare an

algebraic solution to an

arithmetic solution,

identifying the sequence

of the operations used in

each approach. For

example, the perimeter of

a rectangle is 54 cm. Its

length is 6 cm. What is its

width?

b. Solve word problems

leading to inequalities of

the form px + q > r or px

+ q < r, where p, q, and r

are specific rational

numbers. Graph the

solution set of the

inequality and interpret it

in the context of the

problem. For example: As

a salesperson, you are

paid $50 per week plus

$3 per sale. This week

you want your pay to be

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 10 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

at least $100. Write an

inequality for the number

of sales you need to

make, and describe the

solutions.

8.RI.7

Evaluate the

advantages and

disadvantages of using

different mediums

(e.g., print or digital

text, video, multimedia)

to present a particular

topic or idea.

8.RI.10

By the end of the year,

read and comprehend

literary nonfiction at

the high end of the

grades 6-8 text

complexity band

independently and

proficiently.

8.F.4

Construct a function to

model a linear

relationship between two

quantities. Determine the

rate of change and initial

value of the function from

a description of a

relationship or from two

(x, y) values, including

reading these from a

table or from a graph.

Interpret the rate of

change and initial value

of a linear function in

terms of the situation it

models, and in terms of

its graph or a table of

values.

8.F.5

Describe qualitatively the

functional relationship

between two quantities

by analyzing a graph

(e.g., where the function

is increasing or

CTE.7-8.2.2 Develop a

preliminary individual

education and career

plan.

CTE 7-8.2.3 Analyze the

relationship between

personal characteristics,

interests, abilities, and

skills and achieving

personal and career

goals.

SS.8.8.1

Explain productivity in

terms of output per

worker, hour, machine,

or unit of land, and its

effects on standards of

living in 18th and/or 19th

century America.

SS.8.8.2

Describe the factors that

influence production and

consumption decisions in

a market system.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 11 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

decreasing, linear or

nonlinear). Sketch a

graph that exhibits the

qualitative features of a

function that has been

described verbally.

9-10.RI.7

Analyze various

accounts of a subject

told in different

mediums (e.g., a

person’s life story in

both print and

multimedia),

determining which

details are emphasized

in each account.

9-10.RI.10

By the end of grade 9,

read and comprehend

literary nonfiction in the

grades 9-10 text

complexity band

proficiently, with

scaffolding as needed

at the high end of the

range. By the end of

grade 10, read and

comprehend literary

nonfiction at the high

end of the grades 9-10

N.Q.2

Define appropriate

quantities for the purpose

of descriptive modeling.

A.SSE.1

Interpret expressions that

represent a quantity in

terms of its context.*

a. Interpret parts of an

expression, such as

terms, factors, and

coefficients.

b. Interpret complicated

expressions by viewing

one or more of their parts

as a single entity. For

example, interpret

P(1+r)^n as the product

of P and a factor not

depending on P.

A.CED.1

Create equations and

inequalities in one

variable and use them to

solve problems. Include

CTE.9-12.2.8

Assess the

compensation, lifestyle,

and other benefits

associated with careers

of interest.

Modern History of Hawaii

SS.9MHH.1.1

Describe the multiple

social, political, and

economic causes and

effects of change in

modern Hawaii.

SS.9MHH.3.9

Analyze significant

contemporary issues that

influence present day

Hawaii, such as the

Hawaiian Renaissance,

the sovereignty

movement, current land

issues, and the influx of

new immigrant groups.

SS.9PD.8.2

Explain how people,

individually and

collectively, participate in

the U.S. economy.

HS-ETS1-1

Analyze a major global

challenge to specify

qualitative and

quantitative criteria and

constraints for solutions

that account for societal

needs and wants.

HS-ETS1-2

Design a solution to a

complex real-world

problem by breaking it

down into smaller, more

manageable problems

that can be solved

through engineering.

HS-ETS1-3

Evaluate a solution to a

complex real-world

problem based on

prioritized criteria and

trade-offs that account

for a range of constraints,

including cost, safety ,

reliability, and

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 12 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

text complexity band

independently and

proficiently.

equations arising from

linear and quadratic

functions, and simple

rational and exponential

functions.*

A.CED.2

Create equations in two

or more variables to

represent relationships

between quantities; graph

equations on coordinate

axes with labels and

scales.*

aesthetics as well as

possible social, cultural,

and environmental

impacts.

Science and

Engineering Practices:

Analyzing and

Interpreting Data, Using

Mathematics and

Computational Thinking,

Obtaining, Evaluating,

and Communicating

Information.

9-10.RI.7

Analyze various

accounts of a subject

told in different

mediums (e.g., a

person’s life story in

both print and

multimedia),

determining which

details are emphasized

in each account.

9-10.RI.10

By the end of grade 9,

read and comprehend

literary nonfiction in the

grades 9-10 text

complexity band

proficiently, with

CTE.9-12.2.8

Assess the

compensation, lifestyle,

and other benefits

associated with careers

of interest.

U.S. History

SS.10.3.32

Explain how the

administrations from

Reagan to the current

president dealt with

major domestic issues.

SS.10.8.1

Explain the

characteristics of the

different market

structures (i.e. monopoly,

oligopoly, monopolistic

competition, and pure

competition) and their

influence on product

differentiation, price,

barriers for entry, and

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 13 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

scaffolding as needed

at the high end of the

range. By the end of

grade 10, read and

comprehend literary

nonfiction at the high

end of the grades 9 10

text complexity band

independently and

proficiently.

market efficiency in a

competitive marketplace.

SS.10.8.2

Describe the function

and responsibilities of

the Federal Reserve

System in setting and

carrying out the nation's

monetary policy.

SS.10.8.3

Explain the purpose

and/or role of

government programs

and policies, including

unemployment, minimum

wage, and Social

Security, and their effect

on the nation's economy.

11-12.RI.7

Integrate and evaluate

multiple sources of

information presented

in different media or

formats (e.g., visually,

quantitatively) as well

as in words in order to

address a question or

solve a problem.

11-12.RI.10

By the end of grade

11, read and

A.SSE.3

Choose and produce an

equivalent form of an

expression to reveal and

explain properties of the

quantity represented by

the expression.

a. Factor a quadratic

expression to reveal the

zeros of the function it

defines.

b. Complete the square

in a quadratic expression

CTE.9-12.2.8

Assess the

compensation, lifestyle,

and other benefits

associated with careers

of interest.

World History

SS.11.8.3

Describe how the

determinants of demand

(i.e., income, substitutes,

complements, number of

buyers, tastes,

expectations) affect the

price and availability of

goods and services.

SS.11.8.4

Describe how the

determinants of supply

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 14 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

comprehend literary

nonfiction in the

grades 11 CCR text

complexity band

proficiently, with

scaffolding as needed

at the high end of the

range. By the end of

grade 12, read and

comprehend literary

nonfiction at the high

end of the grades 11

CCR text complexity

band independently

and proficiently.

to reveal the maximum or

minimum value of the

function it defines.

c. Use the properties of

exponents to transform

expressions for

exponential functions. For

example the expression

1.15^t can be rewritten as

[1.15^(1/12)]^(12t) ?

1.012^(12t) to reveal the

approximate equivalent

monthly interest rate if

the annual rate is 15%.

F.IF.4

For a function that

models a relationship

between two quantities,

interpret key features of

graphs and tables in

terms of the quantities,

and sketch graphs

showing key features

given a verbal description

of the relationship. Key

features include:

intercepts; intervals

where the function is

increasing, decreasing,

positive, or negative;

relative maximums and

(i.e., price and availability

of inputs, technology,

government regulation,

number of sellers) affect

the price and availability

of goods and services.

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 15 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

minimums; symmetries;

end behavior; and

periodicity.*

F.LE.5

Interpret the parameters

in a linear, quadratic, or

exponential function in

terms of a context.*

11-12.RI.7

Integrate and evaluate

multiple sources of

information presented

in different media or

formats (e.g., visually,

quantitatively) as well

as in words in order to

address a question or

solve a problem.

11-12.RI.10

By the end of grade

11, read and

comprehend literary

nonfiction in the

grades 11 CCR text

complexity band

proficiently, with

scaffolding as needed

at the high end of the

range. By the end of

grade 12, read and

comprehend literary

CTE.9-12.2.8

Assess the

compensation, lifestyle,

and other benefits

associated with careers

of interest.

Economics

SS.12E.4.1

Analyze the types of

personal economic

decisions and choices

that individuals make

(e.g., determining how to

budget money; long-term

financial goals and plans

related to income,

saving, and spending;

utilizing loans and credit

cards; considering

investment options).

SS.12E.4.2

Identify how economic

reasoning is used to

make to make personal

decisions (e.g.,

purchasing a car;

deciding on a college,

career choices).

Hawaii Department of Education Standards with Opportunities to Integrate Financial Literacy Concepts

Financial Literacy 16 12/12/16

Grade

ELA

Mathematics

CTE

Social Studies

Science

nonfiction at the high

end of the grades 11

CCR text complexity

band independently

and proficiently.