(a) General requirements. This course is recommended for students in Grades 11 and 12. Recommended prerequisite: Principles of Human Services. Students shall be awarded one-half credit for successful completion of this course.
(b) Introduction.
  (1) Career and technical education instruction provides content aligned with challenging academic standards and relevant technical knowledge and skills for students to further their education and succeed in current or emerging professions.
  (2) The Human Services Career Cluster focuses on preparing individuals for employment in career pathways that relate to families and human needs such as counseling and mental health services, family and community services, personal care services, and consumer services.
  (3) Dollars and Sense focuses on consumer practices and responsibilities, money-management processes, decision-making skills, impact of technology, and preparation for human services careers.
  (4) Students are encouraged to participate in extended learning experiences such as career and technical student organizations and other leadership or extracurricular organizations.
  (5) Statements that contain the word "including" reference content that must be mastered, while those containing the phrase "such as" are intended as possible illustrative examples.
(c) Knowledge and skills.
  (1) The student demonstrates professional standards/employability skills as required by business and industry. The student is expected to:
    (A) apply interpersonal communication skills in business and industry settings;
    (B) explain and recognize the value of collaboration within the workplace;
    (C) examine the importance of time management to succeed in the workforce;
    (D) identify work ethics and professionalism in a job setting; and
    (E) develop problem-solving and critical-thinking skills.
  (2) The student demonstrates management of individual and family resources such as finances, food, clothing, shelter, health care, recreation, transportation, time, and human capital. The student is expected to:
    (A) analyze the economic rights and responsibilities of individuals as consumers;
    (B) apply management, planning skills, and processes to organize tasks and responsibilities;
    (C) develop and apply multiple strategies for individuals and families to make choices to satisfy needs and wants;
    (D) analyze the consequences of an economic decision made by an individual consumer such as the decisions to provide safe and nutritious food, clothing, housing, health care, recreation, and transportation; and
    (E) analyze the impact of media and technological advances on family and consumer decisions.
  (3) The student demonstrates management of financial resources to meet the goals of individuals and families across the life span. The student is expected to:
    (A) evaluate the need for personal and family financial planning, including maintaining a budget, expense records, and economic self-sufficiency;
    (B) compare types of loans available to consumers and distinguish criteria for becoming a low-risk borrower;
    (C) connect mathematics to the understanding of interest, including avoiding and eliminating credit card debt;
    (D) collect evidence and data related to implementing a savings program, the time value of money, and retirement planning;
    (E) explore how to be a prudent investor in the stock market and other investment options;
    (F) investigate the benefits of charitable giving;
    (G) compare types of banks, credit unions, and virtual banks available to consumers and the benefits of maintaining financial accounts;
    (H) demonstrate the ability to maintain financial records;
    (I) investigate bankruptcy laws, including ways to avoid bankruptcy;
    (J) apply management principles to decisions about insurance for individuals and families;
    (K) evaluate personal and legal documents related to managing individual and family finances such as birth certificates, medical records, social security cards, financial records, and property records; and
    (L) demonstrate the ability to use calculators, spreadsheets, computers, and software in data analysis relating to finance.
  (4) The student demonstrates effective consumer skills related to housing needs. The student is expected to:
    (A) explain consumer rights and responsibilities associated with renting or buying a home;
    (B) analyze legal and financial aspects of purchasing and leasing housing; and
    (C) propose money-management skills necessary to make the transition from renting to home ownership.
  (5) The student analyzes the relationship of the environment to family and consumer resources. The student is expected to:
    (A) analyze individual and family responsibilities in relation to environmental trends and issues;
    (B) summarize environmental trends and issues affecting families and future generations;
    (C) demonstrate behaviors that conserve, reuse, and recycle resources to maintain the environment; and
    (D) explain governmental regulations for conserving natural resources.
  (6) The student analyzes relationships between the economic system and consumer actions. The student is expected to:
    (A) analyze economic effects of laws and regulations that pertain to consumers and providers of services; and
    (B) identify types of taxes at the local, state, and national levels and the economic importance of each.
  (7) The student identifies skills and attributes necessary for sustaining a chosen lifestyle. The student is expected to:
    (A) evaluate and compare employment options, including salaries and benefits;
    (B) compare rewards and demands for various levels of employment in a variety of careers;
    (C) determine how interests, abilities, personal priorities, and family responsibilities affect career choices;
    (D) determine continuing education opportunities that enhance career advancement and promote lifelong learning; and
    (E) use presentation skills to communicate and apply knowledge of careers in consumer services.
  (8) The student integrates knowledge, skills, and practices required for careers in consumer services. The student is expected to:
    (A) explain the roles and functions of individuals engaged in consumer services careers;
    (B) analyze opportunities for employment and entrepreneurial endeavors;
    (C) summarize education and training requirements for consumer services careers; and
    (D) investigate professional organizations for consumer services.

Source Note: The provisions of this §130.273 adopted to be effective August 28, 2017, 40 TexReg 6601