The opportunity gap is the way that uncontrollable life factors like race, language, economic, and family situations can contribute to lower rates of success in educational achievement, career prospects, and other life aspirations. Whether we realize it or not, this opportunity gap impacts all of our lives.

poverty

No poverty

Cities

Sustainable cities and communities

Evaluating the various mortgage products available

MA.9-12.17.a

Comparing mortgage payments and increasing resale value of a home using a future value of a periodic deposit formula

MA.9-12.17.c

Demonstrate knowledge of a systematic approach to a decision-making process (specifically, opportunity costs and trade-offs), including factors regarding academic planning and career development, financial literacy, and technology.

WORK.9-12.1

Analyze the persistence of poverty and how different analyses of this issue influence welfare reform, health insurance reform, and other social policies.

SOC.11.US.11.11.6

Identify effects of the German economic crisis and global depression, such as closing of businesses and banks, loss of jobs, poverty, and how governments responded.

SOC.9-12.SS.912.W.7.In.d

Calculate the effects on the monthly payment in the change of interest rate based on an adjustable rate mortgage.

MA.9-12.MA.912.F.3.10

Assess the role of Africans and other minority groups in the economic development of the United States.

SS.8.E.2.3

Examine changing points of view of social issues, such as poverty, crime and discrimination.

SS.912.S.1.4

Understand the economic, environmental, and social impact of the Great Depression on American society (e.g., food lines, the Dust Bowl, and the western migration of farmers; how art, literature, and music were influenced by the Depression; extent and depth of business failures, unemployment, and poverty during the Depression; the human toll of the Depression, natural disasters, unwise agricultural practices, and their impacts on the depopulation of rural regions; political movements of the left and right).

SOC.11.16.11.39

Understand major contemporaneous social issues and the groups involved (e.g., the role of feminist movements; the persistence of poverty, welfare, crime and other social issues; the response of federal, state, and local governments toward such social issues; changing roles of women in society and changing family structures; impact of controversies associated with environmental conservation, the expansion of National Park system, and the development of environmental protection laws; the interaction between environmental protection agencies and property rights advocates).

SOC.11.18.11.08

Evaluate how attitudes toward a situation or problem (e.g., attitudes concerning environment, immigrants, poverty, parent-child relationships) change in different periods of history or in different cultures.

LA.8-10.2B.5

Describe how legacies of the past have affected past and present human characteristics of places (e.g., wealth and poverty, exploitation, colonialism and independence).

SOC.7-9.17D.1

Assess how economic growth is a factor in alleviating poverty and raising standards of living.

SOC.11-12.15D.5

Students will recognize and solve problems that can be modeled using a finite geometric series, such as home mortgage problems and other compound interest problems.

MA.9-12.MA-HS-1.3.4

Students will know how poverty is defined in the U.S., what its causes are, examine possible solutions, and analyze the impact poverty has on the short and long run health of the economy.

SOC.9-12.VI.E.1.4

Identify measures of income distribution, wealth distribution and poverty, and explain how these affect, and are affected by, the economy; evaluate the effectiveness of, and incentives created by, government income redistribution programs.

SOC.9-12.9.2.4.8.3

Analyze the ways in which dominant cultures oppressed conquered peoples or minority groups within early civilizations as well as the responses of those groups to the oppression.

MC.SS.6-8.EWC.19

Analyze the complex relationship between dominant cultures and minority groups throughout world history, including but not limited to: causes of (race, ethnicity, gender, nationality, class and/or religion), reactions, and long-term effects of oppression.

MC.SS.9-12.WH.23

Analyze methods to prevent and limit the consequences of identity theft and fraud.

SS.9-12.FL.8

Distinguish the cost and benefits of various investment strategies - including securities, stocks, and bonds; with attention to compound interest, risk, and methods of buying and selling investments.

SS.9-12.FL.9

Analyze the purpose and specifics of various insurance plans as well as compare quality of insurance providers.

SS.9-12.FL.10

Evaluate college and career choices and their effect on income, disposable income, unemployment, and underemployment.

SS.9-12.FL.11

Practice completing important financial, academic, and career documents, including but not limited to: loan applications, scholarship applications, job applications, and resumes.

SS.9-12.FL.12

Analyze the requirements and benefits of postsecondary financing options, including but not limited to: Free Application for Federal Student Aid (FAFSA), Western Interstate Commission for Higher Education, Governor Guinn Millennium Scholarship, Silver State Opportunity Grant Program, prepaid tuition, and college savings programs.

SS.9-12.FL.13

Pressures for reform Increasing inequities between wealth and poverty

SOC.9-12.4.I.A.4

Impact of war War’s effects on gender roles, on African- Americans, and other minority groups

SOC.9-12.5.I.A.1

SOC.9-12.5.II.B.2.b

New approaches to old problems The problems of poverty in an affluent society - "the underclass"

SOC.9-12.7.V.D.2

The degree to which economic inequality reflects social, political, or economic injustices versus individual choices is hotly debated. The role that the government should play in decreasing this gap, including the variety of government programs designed to combat poverty, is debated as well.

SOC.12.E3e

explain why it is important to establish a positive credit history;

MA.6.14.D

describe the information in a credit report and how long it is retained;

MA.6.14.E

describe the value of credit reports to borrowers and to lenders;

MA.6.14.F

explain various methods to pay for college, including through savings, grants, scholarships, student loans, and work-study; and

MA.6.14.G

compare the annual salary of several occupations requiring various levels of post-secondary education or vocational training and calculate the effects of the different annual salaries on lifetime income.

MA.6.14.H

solve problems involving ratios, rates, and percents, including multi-step problems involving percent increase and percent decrease, and financial literacy problems; and

MA.7.4.D

define poverty and its components and analyze poverty's impact on the individual and society;

SOC.9-12.SOC.10.B

define race and ethnicity and differentiate among the distinguishing characteristics of minority groups;

SOC.9-12.SOC.11.A

analyze the varying treatment patterns of minority groups such as African American, Asian American, Hispanic American, and American Indian; and

SOC.9-12.SOC.11.D

explain the costs and benefits of supplemental types of insurance such as extended warranties, mortgage protection life insurance, accidental death and dismemberment life insurance, car loan payoff coverage, debt cancellation coverage, and credit life coverage.

SOC.10-12.PFL.12.G

solve problems involving ratios, rates, and percents, including multi-step problems involving percent increase and percent decrease, and financial literacy problems.

MA.7.2.7.4.D

analyze data of mortgage payments with various additional principal payments involving exponential functions using tables, graphs, or algebraic methods;

FIN.10-12.7.A

determine costs associated with home ownership, including property taxes; mortgage insurance; homeowner's insurance, including property damage, liability, and flood and earthquake insurances; and closing costs;

FIN.10-12.7.D

analyze and interpret mortgage tax deductions;

FIN.10-12.7.E

demonstrate an understanding of the consequences to individuals in times of recession and falling home prices such as during the mortgage crisis of 2007-2008 and identify how the financial and personal impact could have been reduced;

FIN.10-12.7.H

compare the cost of homeownership versus renting, identifying benefits and drawbacks to both homeownership and renting such as the mortgage-related income tax deductions;

FIN.10-12.7.I

compare different standards of living in the United States, including poverty, minimum wage, living wage, and desired standards of living.

FIN.10-12.15.C

identify factors that contribute to poverty, and assess various programs and approaches for alleviating poverty, locally, nationally, and internationally (e.g., government policies and programs such as minimum-wage laws, incomebased housing, relief programs, and debt forgiveness; aid programs of intergovernmental organizations such as the United Nations and the World Bank; activities of non-governmental relief and development organizations such as Oxfam, the Bill and Melinda Gates Foundation, and local food banks)

E3.3 Human Rights and Quality of Life

describe the daily lives of different groups in the United States in this period (e.g., Native American nations, slaves, free Blacks, indentured servants, industrial workers, farmers, pioneers, new immigrants, economic/political elites), including how they responded to the challenges of everyday life (e.g., environmental challenges, isolation, poverty, displacement, prejudice and discriminatory policies, sickness)

C1.2 Social, Economic, and Political Context

describe issues of concern to African Americans during this period (e.g., systemic oppression and segregation, discrimination, lynching and other forms of violence, poverty and unemployment, housing, voting rights), and analyse contributions of African Americans to American society (e.g., the establishment of the NAACP and/or the Tuskegee Institute; cultural developments such as the birth of blues and jazz or the Harlem Renaissance; the Negro Baseball League; the contributions of individuals such as Mary McLeod Bethune, W. E. B. Du Bois, Billie Holiday, Langston Hughes, Zora Neale Hurston, Jack Johnson, Elijah McCoy, Garrett Morgan, Booker T. Washington)

D2.4 Communities, Conflict, and Cooperation

analyse the historical development of key social structures and trends in this ethnic group’s country or region of origin (e.g., with reference to social class or caste, inherited wealth and privilege or poverty and low status, the status of women and/or children, attitudes and behaviours towards differently abled people, treatment and care of the elderly, formal and informal education systems, marriage practices, level of urbanization)

B1.1 Social, Economic, and Political Context

describe some ways in which economic factors in their countries of origin influenced people’s decisions to emigrate (e.g., with reference to unemployment, poverty, child labour, lack of opportunities for people from certain groups, indentured labour, rural decline, loss of traditional work), and analyse the experience of the selected ethnic group to determine the extent to which it was influenced by these factors