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Personal Finance
Course Description
This course will provide a foundational understanding for making informed personal financial decisions leading to financial independence.
Grading
Daily Work (40% of Semester Grade): Tasks completed throughout the semester to develop skills
Projects/Presentations/Papers (25% of Semester Grade)
Assessments (35% of Semester Grade): Quizzes and Tests completed throughout the semester
Semester Test (15% of Final Grade): End of Semester Assessment
Classroom Expectations
1. Be Respectful (treat other the way you want to be treated, show kindness and consideration, accept others for who they are)
2. Be Reasonable (ask for permission and keep me informed)
3. Be Responsible (be in control of your own behavior, do your part when working with others, bring MacBook to class, and have your work completed on time)
Procedures
Snacks/Drinks: water only (otherwise ask for permission)
Electronic Devices: cell phones/music players - put away
Late Work: Turn work in on time; work not completed during class will be student's responsibility to complete outside of class. Accepted by end of week or make arrangements with me
Assignments
| Mon, Nov 18 | Welcome / Expectations / Financial Goals | How to make informed personal financial decisions leading to financial independence? | ||||||||
| Tue, Nov 19 | Ramsey Video Clip / Life Cycle of Financial Planning | |||||||||
| Wed, Nov 20 | Ramsey Video Clip / Life with Sally / Personal Financial Plan | |||||||||
| Thu, Nov 21 | Ramsey Video Clip / Life Cycle Photoview / Introduction to Spending Plans / Personal Bathtub Analogy | |||||||||
| Fri, Nov 22 | Post-secondary plans / Developing a Spending Plan / Work submitted from the week | |||||||||
| Mon, Nov 25 | Baby Step 1 / Life Cycle Photoview Presentations / begin 7 Baby Steps Opinion Paper | |||||||||
| Tue, Nov 26 | Baby Step 2 / Spending Plan | |||||||||
| Mon, Dec 2 | Baby Step 3 / Paycheck PowerPoint / Net Pay | Gross Pay practice | |||||||||
| Tue, Dec 3 | Baby Step 4 / Paystubs 1 and 2 / Prepare for Life Cycle, Financial Plan, and Paycheck Assessment | |||||||||
| Wed, Dec 4 | Baby Step 5 / Life Cycle, Financial Plan, and Paycheck Assessment | |||||||||
| Thu, Dec 5 | Baby Step 6 / Introduction to Savings | |||||||||
| Mon, Dec 9 | Baby Step 7 / Simple and Compound Interest / Ramsey 7 Baby Steps Opinion paper due by end of period | |||||||||
| Tue, Dec 10 | guest speaker - budgeting | |||||||||
| Wed, Dec 11 | Ramsey Video Clip - $100000 in student loan debt / Cash Management Tools | |||||||||
| Thu, Dec 12 | You received $4000 this afternoon. What would you do? / Language of the Stock Market / 20 years of investing | |||||||||
| Fri, Dec 13 | Ramsey Video Clip - new to investing / Stock Market | |||||||||
| Mon, Dec 16 | Ramsey Video Clip - Ride the stock market / Stock Market Challenge (stock selections due Friday, Dec 20) / Prepare for the Saving and Investing Assessment | |||||||||
| Tue, Dec 17 | Saving and Investing Assessment / Stock Research | |||||||||
| Wed, Dec 18 | Catch Me If You Can | |||||||||
| Thu, Dec 19 | Catch Me If You Can (questions due) | |||||||||
| Fri, Dec 20 | Bell Ringer - balance a checkbook / check writing / balancing an account (deposits and withdrawals) | |||||||||
| Mon, Jan 6 | Ramsey Video Clip - Best Places to Bank / Depository Institutions | |||||||||
| Tue, Jan 7 | Ramsey Video Clip - How will the election affect the economy? / e-banking | |||||||||
| Wed, Jan 8 | Video Clip - what is a Credit Score? / Credit Report / Credit Score Impacts | |||||||||
| Thu, Jan 9 | Ramsey Video Clip - credit card companies don't want you to know (9:57 to 12:25) / first half credit cards / credit card vocab / Update Stocks | |||||||||
| Fri, Jan 10 | Video Clip - credit cards for 18 year olds / Credit Cards - questions and statement | |||||||||
| Mon, Jan 13 | Video Clip - number of credit cards / Credit Card options / Prepare for Banking and Credit Assessment | |||||||||
| Tue, Jan 14 | Banking and Credit Assessment | |||||||||
| Wed, Jan 15 | Ramsey Video Clip - Should I rent or buy? / Housing - renting vs owning | |||||||||
| Thu, Jan 16 | Ramsey Video Clip - rent vs owning / How to locate a living space? / Update Stocks | |||||||||
| Fri, Jan 17 | Ramsey Video Clip - tips for first time home buyers / Securing a living space | |||||||||
| Tue, Jan 21 | Ramsey Video Clip - buying a vehicle without debt / Purchasing a vehicle - research | |||||||||
| Wed, Jan 22 | Video Clip - lease / Purchasing a vehicle - loans | |||||||||
| Thu, Jan 23 | Ramsey Video Clip - first car / Purchasing a vehicle - auto insurance / update stocks | |||||||||
| Fri, Jan 24 | Freeform - Dream property (floor plan and front view with scenery) / Housing and Auto Assessment | |||||||||
| Mon, Jan 27 | Ramsey Video Clip - Identity Theft Victim / Fraud Checklist / Fraud Mystery | |||||||||
| Tue, Jan 28 | Ramsey Video Clip - parent's fear / Identity Theft Project | |||||||||
| Wed, Jan 29 | Ramsey Video Clip - Term Life vs Whole Life / Insurance | |||||||||
| Thu, Jan 30 | Ramsey Video Clip - Liability Insurance / Insurance / update stocks | |||||||||
| Fri, Jan 31 | Fraud and Insurance Assessment | |||||||||
| Mon, Feb 3 | Ramsey Video Clip - almost 50% of households pay no income tax / Understanding Taxes - Modules 1-4 tutorials and assessments | |||||||||
| Tue, Feb 4 | Video Clip - college tax credit (1:25 - 8:08) / Understanding Taxes - Modules 5-9 tutorials and assessments | |||||||||
| Wed, Feb 5 | Ramsey Video Clip - Withholding / Understanding Taxes - Modules 10-14 tutorials and assessments | |||||||||
| Thu, Feb 6 | Ramsey Video Clip - inheritance tax / Form 1040 scenarios | |||||||||
| Fri, Feb 7 | Finish Taxes / Understanding Taxes Quiz | |||||||||
| Mon, Feb 10 | Ramsey Video Clip - How do I create a budget? / Budget Project | |||||||||
| Tue, Feb 11 | Video Clip - Buffett / Budget Project | |||||||||
| Wed, Feb 12 | Final Essays / Stock Market Challenge Presentation | |||||||||
| Thu, Feb 13 | Personal Finance topics you would like to learn more about / SMC Presentation due / Budget Project due
| Wed, Feb 19 | Final Review / What is your pursuit of happiness? (around 10 sentences) - due Thursday by 3:00 PM |
| Thu, Feb 20 | begin retirement crisis video / finish your Pursuit of Happiness
| Fri, Feb 21 | finish retirement crisis video / 5 lessons a millionaire taught me | Mon, Feb 24 | Consumer Protection Acts / Final Review
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