10 Expert Tips for Stepping Up Your Social Media and Content Marketing

10 Expert Tips for Stepping Up Your Social Media and Content Marketing

There’s no wrong way to variety a electronic promoting system. Because there are so numerous platforms and applications, every small business must find the possibilities that are most relevant to their demands. But learning from the mistakes and ordeals of other smaller enterprise homeowners may possibly give you a head start out. Below are strategies for making the most of these approaches from associates of the on line modest enterprise local community.



Hone These Social Media Competencies

Social media is continually evolving. So if you want your attempts to be powerful for a prolonged period of time of time, it’s a lot more useful to concentration on skills as an alternative of particular approaches. In this Blogging Wizard put up, Nicola Bleu lists the most significant capabilities for social media administrators. And the BizSugar community available their have views in this article.

Make the Most of LinkedIn for Your Tiny Small business

LinkedIn isn’t just for personalized networking. It can also be advantageous for little business branding and marketing. If you are completely ready to make the most of the platform, study this Crowdspring article by Rizza DC for tips.

Use Tweets to Explode Your Model

Rising an active twitter group involves wanting at what tweets have been most impactful so significantly. In this Mainly Blogging put up, Janice Wald appears to be like at some of her most preferred tweets. And this gives insights into how to grow a brand name and neighborhood on Twitter.

Make the Most of Instagram Hashtags

Hashtags have extended been a well-known marketing device for tiny organizations on social media – specifically on Instagram. But if you’re new to Instagram or just increasing a social media next, you might be not sure of how to make the most of them. Here’s a guideline from Anna Sonnenberg of Social Media Examiner.

Raise Engagement in Social Media Polls

Polls can be an astounding way to get additional people today involved with your social media accounts. But not all approaches that drop less than this category are effective. Read through this Social Media Nowadays publish by Mark Walker-Ford for suggestions.

Consider Functioning with a Branding and Communications Company

Compact enterprises don’t usually have the sources to retain the services of whole time staff for branding and marketing and advertising. The good thing is, there are agencies you can get the job done with to outsource some of these vital jobs. In this SMB CEO submit, Ivan Widjaya explores some products and services these agencies can aid with.

Expand Your Affiliate Internet marketing Company with These Blogging Ideas

Affiliate marketing can be a worthwhile way to grow a blogging organization. And there are several approaches that can assist you receive more affiliate cash flow. Tracie Johnson shares a several in this Pixel Productions publish. And BizSugar members received included in the conversation as properly.

Be a Extra Effective Blogger and Marketer

Writing blog site posts and social media articles takes time. But honing your techniques and making an intentional program can enable you get much more accomplished through your usual perform working day. Jess Cooper presents productiveness suggestions for bloggers and freelance writers in this Moss Media publish.

Stay away from These Website positioning Problems

Website positioning is an vital component of any blogging or written content marketing and advertising method. Nonetheless, there are some popular blunders that might make your endeavours significantly less impactful. Verify out this 99alerts write-up by Sandeep Mallya to master which glitches to prevent.

Make Higher Changing, Reduced Price Advertisements

As soon as you have mastered organic and natural written content and social marketing and advertising, you may benefit from paid out adverts. To get the most from your investment decision, browse this Amy Porterfield article about producing substantial converting, reduced charge advertisements. Then head to the BizSugar local community to see what associates are declaring.

If you’d like to propose your favorite small business enterprise material to be regarded for an impending group roundup, please deliver your information guidelines to: sbtips@gmail.com.

Image: Depositphotos


BBB Tips: A content strategy establishes trust and credibility | Business

BBB Tips: A content strategy establishes trust and credibility | Business

A dynamic internet site that gives relatable, helpful content for readers can make your smaller organization glow. In fact, featuring special content that gives people insight to greatly enhance their life and invites new shoppers to working experience your model can give your modest small business the leverage it needs to contend against huge-box outlets.

To make guaranteed that your web-site is doing the job to expand your organization, you want a solid information marketing approach.

Improved Company Bureau compiled these fundamental principles for acquiring a approach that instills reliability and believe in in your small small business.

What is content material marketing?

Probably your compensated advertisements are not performing as well as you hoped, even even though you are applying the correct concentrating on software and working inside Google algorithms. For a little company, shelling out money on promotion or visibility that is not finding outcomes is highly frustrating and probably an expenditure you can not take care of. Information promoting, from your social media presence to readable, relatable blogs, is the remedy.

Individuals are also reading…

Written content promoting, according to marketing and advertising guru Neil Patel, is “a lengthy-time period method that employs articles (in a range of formats) to construct a much better relationship with your viewers, capture their notice, strengthen engagement, and enhance brand remember.”

Primarily, written content advertising and marketing is the story of your brand and your enthusiasm.

Why is content material internet marketing vital to tiny corporations?

Buyers flip to modest organizations for the reason that the proprietors are extremely in sync with their niche and a crucial portion of their customers’ group. Written content advertising is your opportunity to share why you started out your enterprise and some unique at the rear of-the-scenes stories your shoppers could appreciate. For quite a few modest enterprise house owners, the rationale they developed their brand is often out of a particular enthusiasm and depth of know-how in their market.

That skills resonates with your consumers and positions you to give them beneficial insights into your product.

How can material promoting impact consumer have confidence in?

Powerful world wide web material introduces distinctive possibilities for providers to make and strengthen customer relationships. By sharing actionable and enlightening content material that is applicable to your focus on viewers, your business gets a thing much more than simply just a vendor of products or expert services. You are a challenge solver, a dependable useful resource, an improver of lives.

Maintaining a steady stream of quality information also superior destinations your group as an industry leader. When it comes to gratifying a require, consumers are extra most likely to change to firms they know can cure an challenge they’ve encountered. The content you provide up functions as a form of resume for why consumers must proactively seek out your business in those people scenarios. It must tackle pain factors, produce answers, and most importantly, add price.

How can I produce better world wide web material?

Your articles marketing and advertising efforts will depend on your business enterprise design and your focus on client base. If your principal customers are persons seeking for the most effective cup of coffee in town, then Instagram might be the finest way to share written content, these as highlighted beans or a loyalty method. If you present a provider, this sort of as bodily therapy or flooring set up, then a vivid site that particulars the science guiding your technique, paired with “teaser stories” may possibly be your ideal wager.

Be clear about your brand name and your mission. New buyers could be curious to take a look at a little organization, but the regularity of national models could make them hesitant to shop with you. As an authority in your area of interest, you can enable new consumers recognize your knowledge and obtain their have confidence in and company.

For extra business enterprise suggestions, stop by Have faith in-bbb.org.

Digital Education Content Market to Record 10.34{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} of Y-O-Y Growth Rate in 2021 | Adobe Inc.- One of the Leading Companies, announced the launch of Magento Commerce branded stores for Amazon sellers, in May 2019

NEW YORK, Jan. 14, 2022 /PRNewswire/ — Digital Education Content Market Facts at a Glance-

Attractive Opportunities in Digital Education Content Market by End-user and Geography - Forecast and Analysis 2021-2025

Attractive Opportunities in Digital Education Content Market by End-user and Geography – Forecast and Analysis 2021-2025

  • Total Pages: 120

  • Companies: 10+ – Including Adobe Inc., Ambow Education Holding Ltd., Articulate Global Inc., Cambridge University Press, Cengage Learning Holdings II Inc., Coursera Inc., D2L Corp., Discovery Education Inc., and Echo360 Inc among others.

  • Coverage: Key drivers, trends, and challenges; Product insights & news; Value chain analysis; Parent market analysis; Vendor landscape; COVID impact & recovery analysis

  • Segments: End-user (K-12 and higher education) and Geography (North America, APAC, Europe, South America, and MEA).

  • Geographies: APAC (China and Canada), Europe (Germany and UK), North America (US).

Didn’t Find What You Were Looking For? Customize Report-

Don’t miss out on the opportunity to speak to our analyst and know more insights about this market report. Our analysts can also help you customize this report according to your needs. Our analysts and industry experts will work directly with you to understand your requirements and provide you with customized data in a short amount of time.

We offer USD 1,000 worth of FREE customization at the time of purchase. Speak to our Analyst now!

According to the recent market study by Technavio, the Digital Education Content Market by End-user and Geography – Forecast and Analysis 2021-2025 are expected to increase by USD 42.93 billion from 2020 to 2025, with an accelerated CAGR of almost 12{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}. The report provides a detailed analysis of drivers & opportunities, top winning strategies, competitive scenario, future market trends, market size & estimations, and major investment pockets.

North America will register the highest growth rate of 47{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} among the other regions. The US and Canada are the key markets for digital education content in North America. Market growth in this region will be slower than the growth of the market in APAC, South America, and MEA.

Download FREE Sample: for more additional information about the key countries in APAC

Vendor Insights-

The digital education content market is fragmented and the vendors are deploying growth strategies such as technological advances to compete in the market. Content providers, platform providers, and service providers are among the market’s vendors.

Adobe Inc – In May 2019, the company announced the launch of Magento Commerce branded stores for Amazon sellers, a new offering that is available through Magento, a part of Adobe Experience Cloud that runs on Amazon Web Services (AWS).

NIIT Ltd – In November 2019, the company partnered with KPMG to introduce the KPMG NIIT Finance Academy in India to build skills and talent for “Finance of the Future.”

Pearson Plc – In December 2019, the company was awarded commercial agreements from the UK Home Office to provide Secure English Language Tests (SELTs) to people who need to demonstrate their proficiency and skills in the English language to work or live in the UK.

Find additional highlights on the vendors and their product offerings. Download Free Sample Report

Regional Market Outlook

The digital education content market share growth in North America will be significant during the forecast period. The US and Canada are the key markets for digital education content in North America.

To promote learner engagement and stimulate student interaction with teaching faculty, educational institutions in the United States are increasingly turning to digital content in classrooms. Several universities in the United States, like the University of Tennessee and the University of South Florida, have adopted a bring your device (BYOD) policy, which allows students to learn and improve their digital literacy while incurring minimum financial costs. Students can access a variety of content on a subject through their internet-enabled devices, thanks to universities actively investing in the development of digital libraries and online instructional tools.

Furthermore, governments in nations such as the United States and Canada are supporting the use of digital content in schools and libraries through government initiatives aimed at improving students’ learning experiences.

Download our FREE sample report for more key highlights on the regional market share of most of the above-mentioned countries.

Latest Drivers & Trends Driving the Market-

The need for digital education content is being fueled by factors such as rising mobile device adoption and a greater desire for customized learning. The demand for digital education content is being driven by the development in mobile cellular subscriptions, which allow customers to access digital content on their smartphones and tablets whenever they want. Digital education content items from market vendors are also being adopted by educational institutions to provide tailor-made content that is integrated with traditional course curricula.

Students, parents, and teachers can monitor learning activity and implement essential steps to improve the learning process thanks to companies like Adobe Systems packaging analytical tools with digital education content. The implementation of data analytics is likely to boost the growth of the worldwide digital education content market, owing to the increased demand for personalized individual learning in the education sector during the forecast period,

Find additional information about various other market Drivers & Trends mentioned in our FREE sample report.

Related Reports:

Game-based Learning Market in US by Product and End-user – Forecast and Analysis 2021-2025

K-12 Game-based Learning Market by Product, School Level, and Geography – Forecast and Analysis 2021-2025

Digital Education Content Market Scope

Report Coverage

Details

Page number

120

Base year

2020

Forecast period

2021-2025

Growth momentum & CAGR

Accelerate at a CAGR of 12{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

Market growth 2021-2025

USD 42.93 billion

Market structure

Fragmented

YoY growth ({ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550})

10.34

Regional analysis

North America, APAC, Europe, South America, and MEA

Performing market contribution

North America at 47{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

Key consumer countries

US, China, Canada, UK, and Germany

Competitive landscape

Leading companies, competitive strategies, consumer engagement scope

Companies profiled

Adobe Inc., Cengage Learning Holdings II Inc., McGraw-Hill Education Inc., MPS Ltd., New Oriental Education & Technology Group Inc., NIIT Ltd., Pearson Plc, Providence Equity Partners LLC, TAL Education Group, and Think & Learn Pvt. Ltd.

Market Dynamics

Parent market analysis, Market growth inducers and obstacles, Fast-growing and slow-growing segment analysis, COVID 19 impact and future consumer dynamics, market condition analysis for forecast period,

Customization purview

If our report has not included the data that you are looking for, you can reach out to our analysts and get segments customized.

About Us
Technavio is a leading global technology research and advisory company. Their research and analysis focuses on emerging market trends and provides actionable insights to help businesses identify market opportunities and develop effective strategies to optimize their market positions. With over 500 specialized analysts, Technavio’s report library Their client base consists of enterprises of all sizes, including more than 100 Fortune 500 companies. This growing client base relies on Technavio’s comprehensive coverage, extensive research, and actionable market insights to identify opportunities in existing and potential markets and assess their competitive positions within changing market scenarios.

Contact
Technavio Research
Jesse Maida
Media & Marketing Executive
US: +1 844 364 1100
UK: +44 203 893 3200
Email: media@technavio.com
Website: www.technavio.com/

Technavio (PRNewsfoto/Technavio)

Technavio (PRNewsfoto/Technavio)

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SOURCE Technavio

7 Main Duties of a Content Writer and a Series of Must-Have Skills

7 Main Duties of a Content Writer and a Series of Must-Have Skills

In this digital age, Content Writer is one of the professions that many companies are looking for to grow their platform. This is due to the shift in news and marketing media from electronic to conten.digital forms.

Becoming a Content Writer is not as easy as it looks, because it requires good language skills. Content Writer requires qualified skills and must understand well its main tasks. What are the most important duties and responsibilities of a content writer? Content writers must be responsible for their work, smart, thorough, always have new ideas, & can analyze what readers want.

7 Main Duties of a Content Writer

Content writers must know their duties so that what is written has more value and can reach the target reader. Writing must also be easy to read and easy to understand. These are the 7 main tasks of a Content Writer that you must know.

1. Content Writer is in charge of writing content that is following the order and is relevant to the platform to be filled. For example, for a health website, the content will certainly be different from a technology website.

2. Content Writer must analyze or do research, before writing. The data or information contained in the writing must be trusted and can be accounted for by the content writer.

3. Content Writer is tasked with finding keywords or keywords to write about because this is closely related to SEO so that the writing can be easily found by readers through Google searches.

4. A content writer is also tasked with educating his readers, by being able to present complex but easy-to-understand information.

5. Content Writers who work in the Marketing division, then Content Writers must be able to make the products offered easy to find, as well as the website can get a lot of viewers. Content Writer in the marketing division is one of the most profitable positions for the company.

6. Content Writer in charge of understanding a good writing format.
This includes making your edits and making sure the spelling of punctuation marks is good and correct in the created manuscript.

7. Content Writer in charge of completing his writing according to the deadline. A credible and professional Content Writer will have no difficulty in getting a job or writing an order if they can be trusted to carry out their duties according to the agreement.

A series of skills and abilities that a content writer must have SEO

Content writers must know what is meant by SEO-friendly content criteria. Content writers must be observant and always updated with this SEO development.

Have Good Writing Skills

It is undeniable, not everyone can be a good and true writer. Writing skills must be learned, including understanding the writing format that is following applicable rules. Writing looks very easy but professional writing must be learned.

Great Curiosity

Before writing an article, the writer must have the will to dig up information from various places to get reliable data and information. It is a moral burden for the writer if the information he presents turns out to be untrue, especially if it contains hoaxes. Doing this research is a skill that is very mandatory for content writers.

Reading Target Reader

Content writers must also have the ability to read the target reader, this skill is very important in writing. The way and style of our writing must be adapted to the target reader. For example, writing for an adult reader will be different for a young target audience.

Understanding What Readers Want

Well, for one, content writers have to keep updating about information that is currently busy among the public, both at home and abroad. The ability to find themes, titles and keywords for writing that readers like requires a learning process and sensitivity.

USD 133.47 Billion Growth Expected in Smart Education Market: by Product (content, software, and hardware), End-user (higher education and K-12 schools), and Geography (APAC, Europe, North America, South America, and MEA)

NEW YORK, Dec. 9, 2021 /PRNewswire/ — Technavio has announced its latest market research report titled Smart Education Market by Product (Content, Software, and Hardware), End-user (higher education and K-12 schools), and Geography (APAC, Europe, North America, South America, and MEA).

Attractive Opportunities in Smart Education Market by Product, End-user, and Geography - Forecast and Analysis 2021-2025

Attractive Opportunities in Smart Education Market by Product, End-user, and Geography – Forecast and Analysis 2021-2025

Grab this latest smart education market report sample from Technavio Right Here!

Educational institutions are increasingly adopting advanced learning methodologies such as smart education to sharpen the employment prospects of students. The global workforce requirement scenario is facing issues of demand and supply gap, as graduate and post-graduate students lack industry-specific skills and hence, require training. As a result, institutions are focusing on imparting industry-related skills to students so that they can be competent as per industry requirements. The increased demand for education technology products can be attributed to the greater emphasis laid on STEM-based education. The demand for training and educating healthcare professionals in a smart education environment is rising due to the increasing demand for specialist healthcare workers such as physiotherapists and nurses. Hence, the scope for training and education of students opting for allied healthcare as their career is immense. As a result, the increasing employment opportunities will drive the growth of the smart education market.

Read the 120-page report with TOC on “Smart Education Market Analysis Report by Product (Content, Software, and Hardware), End-user (higher education and K-12 schools), and Geography (APAC, Europe, North America, South America, and MEA), and the Segment Forecasts,2021-2025″- https://www.technavio.com/report/report/smart-education-market-industry-analysis

The purchase, as well as the maintenance of these devices, takes a toll on the budgets allocated to schools. Institutions providing smart education are facing challenges related to adequate financial support. Although smart education offers several learning benefits, institutions need to take care of the procurement costs and hardware systems such as classroom wearables and projectors that are expensive. The hardware system procurement is also not uniform across countries, as emerging countries lack the required capital to install them. Educational institutions with limited budgets may not be able to invest heavily in the implementation as well as maintenance of smart software solutions such as LMS, thus, limiting the market growth. Such budget constraints will result in the slow adoption of smart education systems in emerging countries, particularly in the APAC and MEA.

Download Free sample Report for Actionable insights on the challenges that will help companies evaluate and develop growth strategies for 2021-2025.

Major Five Smart Education Companies:

  • Adobe Inc.

  • Blackboard Inc.

  • Cisco Systems Inc.

  • D2L Corp.

  • Dell Technologies Inc.

43{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} of the market’s growth will originate from APAC during the forecast period. China and India are the key markets for smart education in APAC. Market growth in APAC will be faster than the growth of the market in other regions. The education industry in this region, especially India, Japan, and China, is evolving rapidly with regard to the adoption of advanced educational tools and technologies. This will facilitate the smart education market growth in APAC over the forecast period.

Subscribe to our “Lite Plan” billed annually at USD 3000 that enables you to download 3 reports a year and view 3 reports every month.

Smart Education Market Product Outlook (Revenue, USD bn, 2020-2025)

  • Content – size and forecast 2020-2025

  • Software – size and forecast 2020-2025

  • Hardware – size and forecast 2020-2025

Smart Education Market End-user Outlook (Revenue, USD bn, 2020-2025)

Smart Education Market Geography Outlook (Revenue, USD bn, 2020-2025)

  • APAC – size and forecast 2020-2025

  • Europe – size and forecast 2020-2025

  • North America – size and forecast 2020-2025

  • South America – size and forecast 2020-2025

  • MEA – size and forecast 2020-2025

Download this Smart Education Market report to uncover new strategies to make the most of future growth opportunities.

Related Reports on Consumer Discretionary Include:

Education Apps Market by End-user and Geography – Forecast and Analysis 2021-2025

Community College Market in US by Revenue Stream and Course Offerings – Forecast and Analysis 2021-2025

Smart Education Market Scope

Report Coverage

Details

Page number

120

Base year

2020

Forecast period

2021-2025

Growth momentum & CAGR

Accelerate at a CAGR of 18.82{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

Market growth 2021-2025

$ 133.47 billion

Market structure

Fragmented

YoY growth ({ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550})

19.99

Regional analysis

APAC, Europe, North America, South America, and MEA

Performing market contribution

APAC at 43{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550}

Key consumer countries

US, UK, Germany, China, and India

Competitive landscape

Leading companies, competitive strategies, consumer engagement scope

Companies profiled

Adobe Inc., Blackboard Inc., Cisco Systems Inc., D2L Corp., Dell Technologies Inc., Discovery Education Inc., Ellucian Co. LP, Instructure Inc., Pearson Plc, and Samsung Electronics Co. Ltd.

Market Dynamics

Parent market analysis, Market growth inducers and obstacles, Fast-growing and slow-growing segment analysis, COVID-19 impact and future consumer dynamics, market condition analysis for the forecast period

Customization purview

If our report has not included the data that you are looking for, you can reach out to our analysts and get segments customized.

About Technavio

Technavio is a leading global technology research and advisory company. Their research and analysis focuses on emerging market trends and provides actionable insights to help businesses identify market opportunities and develop effective strategies to optimize their market positions.

With over 500 specialized analysts, Technavio’s report library consists of more than 17,000 reports and counting, covering 800 technologies, spanning across 50 countries. Their client base consists of enterprises of all sizes, including more than 100 Fortune 500 companies. This growing client base relies on Technavio’s comprehensive coverage, extensive research, and actionable market insights to identify opportunities in existing and potential markets and assess their competitive positions within changing market scenarios.

Contacts

Technavio Research
Jesse Maida
Media & Marketing Executive
US: +1 844 364 1100
UK: +44 203 893 3200
Email: media@technavio.com
Website: www.technavio.com/

Technavio (PRNewsfoto/Technavio)

Technavio (PRNewsfoto/Technavio)

Cision

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SOURCE Technavio

Hawaii DOE | HIDOE seeking feedback to develop financial literacy content standards


​Introduction

Financial literacy, or financial capability as it is currently defined at the federal level, is the capacity, based on knowledge, skills and access, to manage financial resources effectively. To develop this capacity, individuals must have appropriate access to and understanding of financial products, services, and concepts. Financial literacy empowers individuals to make informed choices, avoid pitfalls, know where to go for help, and take actions to improve their present and long-term financial well-being.

The Hawaii State Department of Education, Office of Curriculum and Instructional Design, is currently investigating ways to ensure
every student receives basic financial literacy before high school graduation. At this time, efforts are focused on financial literacy education at the high school level.

As part of this work, draft content standards have been curated for a one-semester introductory level high school course on financial literacy designed to help students develop the capacity to describe, analyze, and evaluate many financial topics that most students will directly experience in their personal and professional lives. While a one-semester course is not the only way in which financial literacy education can be provided to students, the standards are a vital step toward ensuring consistent financial literacy education across the state.




The content standards
are derived from the 2017 edition of the
National Standards in K-12 Personal Finance Education (pdf, pictured to the right) from the Jump$tart Coalition. These standards are consistent with both state- and nationally-recognized concepts that are important to healthy financial literacy.


The themes are aligned to the six major categories utilized in Jump$tartʻs National Standards: 1) Spending and Saving; 2) Credit and Debt; 3) Employment and Income; 4) Investing; 5) Risk Management and Insurance; and 6) Financial Decision Making.


The sample teacher guidance is a list of skills gleaned from Jump$tartʻs benchmarks which describes what teachers may ask students to demonstrate in order to meet each content standard. The guidance is not intended to serve as an all-inclusive list; rather, the guidance serves as a sample set of statements for teachers to consider how to best help their students meet the content standards.

Special thanks to Kelly Lee, founder of the Hawaii Coalition of Jump$tart, for lending her content area expertise to this effort.


​​THEME 1: Spending and Saving


Content Standard


The student shall:


​Sample Teacher Guidance


To help students meet the Content Standard, the teacher may ask students to:


​Content Standard MD.PFL.1.1

Develop a plan for spending and saving.

  • ​Describe ways that people can decrease expenses to save more of their incomes.
  • Discuss the components of a personal spending plan, including income, planned saving and expenses.
  • Compare the advantages and disadvantages of saving for financial goals.
  • Investigate changes in personal spending behavior that contribute to wealth building.


​Content Standard MD.PFL.1.2

Describe how to use different payment methods.



  • Compare and contrast different types of local financial institutions and the services they provide.
  • Summarize the advantages and disadvantages of checks, stored value cards, debit cards, gift cards and online and mobile payment systems.
  • Compare the costs of cashing a check with various third parties, such as a bank or credit union, check-cashing services and retail outlets.
  • Demonstrate how to schedule and manage bill payments.


THEME 2: Credit and Debt

Content Standard


The student shall:


​Sample Teacher Guidance


To help students meet the Content Standard, the teacher may ask students to:


​Content Standard MD.PFL.2.1

Analyze the costs and benefits of various types of credit.



  • ​Explain how debit cards differ from credit cards.
  • Discuss potential consequences of using “easy access” credit.
  • Calculate the total cost of repaying a loan under various rates of interest and over different periods.
  • Compare the cost of borrowing $1,000 by means of different consumer credit options.

Content Standard MD.PFL.2.2

Summarize a borrower’s rights and responsibilities related to credit reports.

  • ​Weigh the potential payoffs of a positive borrowing reputation versus the potential consequences of a poor
    borrowing reputation.
  • Explain the value of credit reports to borrowers and to lenders.
  • Categorize the information in a credit report and how long it is retained.
  • Analyze how a credit score affects creditworthiness and the cost of credit.


THEME 3: Employment and Income

Content Standard


The student shall:


​Sample Teacher Guidance


To help students meet the Content Standard, the teacher may ask students to:


​ Content Standard MD.PFL.3.1

Explore job and career options.

  • ​Explain the difference between a career and a job.
  • Match personal skills and interests to various career options.
  • Compare the education and training requirements, income potential and primary duties of at least two jobs of interest.
  • Discuss how non-income factors such as child-care options, cost of living and work conditions can influence job choice.


​ Content Standard MD.PFL.3.2

Compare sources of personal income and compensation.

  • ​Explain the difference between a wage and a salary.
  • Calculate the future income needed to maintain a current standard of living.
  • Identify typical sources of income in retirement.

​THEME 4: Investing​

Content Standard


The student shall:


​Sample Teacher Guidance


To help students meet the Content Standard, the teacher may ask students to:


Content Standard MD.PFL.4.1

Explain how investing may build wealth and help meet financial goals.

● Describe reasons for investing.

● Devise an investment plan for accumulating money for a major expense such as a college education or the down payment on a car.

● Describe the importance of various sources of income in retirement, including Social Security, employer-sponsored retirement savings plans and personal investments.


Content Standard MD.PFL.4.2

Evaluate investment alternatives.

● Explain the difference between stocks and bonds.

● Give examples of investments for current income and investments for future growth.

● Compare the advantages of taxable, tax-deferred and tax-advantaged investments for new savers, including Roth IRAs and employer-sponsored retirement vehicles.


THEME 5: Risk Management and Insurance

Content Standard


The student shall:




​​Sample Teacher Guidance


To help students meet the Content Standard, the teacher may ask students to:


Content Standard MD.PFL.5.1

Identify common types of risks and basic risk management methods.



  • Predict the consequences of accepting risk with insufficient or no insurance.
  • Illustrate how to use insurance to share the risk of financial loss.
  • Discuss factors that affect insurancepremiums.

Content Standard MD.PFL.5.2

Justify reasons to use health, disability, long-term and life insurance.

  • ​Justify reasons to have health insurance.
  • Compare sources of health and disability insurance coverage, including employee benefit plans.
  • Explain the purpose of long-term care insurance.


THEME 6: Financial Decision Making

Content Standard


The student shall:


​Sample Teacher Guidance


To help students meet the Content Standard, the teacher may ask students to:

Content Standard MD.PFL.6.1

Recognize the responsibilities associated with personal financial decisions.



  • ​Analyze money-handling decisions that young adults commonly face.
  • Compare the benefits of financial responsibility with the consequences of financial irresponsibility.
  • Predict how influences such as current fashion trends, peer pressure and procrastination can affect financial decisions.
  • Compare how financial responsibility is different for individuals with and without dependents.

​Content Standard MD.PFL.6.2

Make criterion-based financial decisions by systematically considering alternatives and consequences.



  • ​Explain how limited personal financial resources affect the choices people make.
  • Determine the cost of achieving a financial goal.
  • Give examples of how decisions made today can affect future opportunities.