COURSE EXPECTATIONS
Mrs. McCloe
Personal Finance BUAD 109
Credit Hours: 3
Student Audience: Grade Level(s): 11 & 12
Semester: Spring – 20 weeks
Course Description: This course addresses finance at a personal and practical level. Students examine current economic
conditions focusing on how they can impact their personal economic situations. Ethics are examined and
personal management of cash, debt, credit, investments, insurance, and home buying.
Course Prerequisites:
Basic math and reading skills
Minimal Basic Skills Needed to Complete Course Successfully:
The course requires reading of mostly beginning college level material.
Basic math skills of addition, subtraction, and multiplication.
Writing skills to meet the NYS Common Core Standards.
Course Objectives:
· Understanding the importance of economic decisions
· Basic Excel Skills
· Establish financial goals and implement a budget
· Evaluate Insurance for motor vehicles, houses, apartments, health, and life.
· Understand how banking services work; fees, interest rates, services (checking accounts and cost of money)
· Saving for retirement and investment over a lifetime
· Saving Money and Avoiding Quick Financial Fixes
· Understand how to protect your credit and identity
· Home buying vs. renting
· Income and Payroll Taxes and sales tax
· Using planning software
· Credit Card usage (pros and cons, credit card laws of 2010)
· Bankruptcy
· Being a Wise Consumer
Required Texts and Materials/Optional Materials as Appropriate:
Required Text: NEFE – National Endowment for Financial Education.
Supplement: Managing Your Personal Finances by Joan S. Ryan
WISE Financial Literacy Certification (www.wise-ny.org and www.moneypower.org)
Federal Reserve Bank of St. Louis
Class Modalities/Alternative Learning Strategies:
· Lecture
· PowerPoint Presentations using SMART Tools
· Group Discussions
· Youtube
· Khan Academy
· Practical Money Skills
· FoolProof.com
Required Readings, Presentations, Written Assignments, etc.:
Required readings from text and a variety of Web sites
Homework Assignments are due on time as well as projects
Quizzes announced and unannounced
Unit Tests
Problem Solving Activities
Class Participation
Course Content Presented in Units or Segments:
Unit One: Creating a Financial Plan
Unit Two: Budgeting
Unit Three: Savings vs. Investing
Unit Four: Credit
Unit Five: Keeping Your Money Safe and Secure
Unit Six: Insurance
Unit Seven: Your Career
Evaluation/Grading System:
Exams 50%
Individual or Team Assignments/Projects 20%
Quizzes 30%
Final exam is the WISE National Financial Literacy Certification test. Teachers are NOT allowed to look at the exam or preview it. Students take the exam on-line.
Statement of Academic Integrity:
Tompkins Cortland Community College’s Statement of Academic Integrity
Every student at Tompkins Cortland Community College is expected to act in an academically honest fashion in all aspects of his or her academic work: in writing papers and reports, in taking examinations, in performing laboratory experiments and reporting the results, in clinical and cooperative learning experiences, and in attending to paperwork such as registration forms.
Any written work submitted by a student must be his or her own. If the student uses the words or ideas of someone else, he or she must cite the source by such means as a footnote. Our guiding principle is that any honest evaluation of a student's performance must be based on that student's work. Any action taken by a student that would result in misrepresentation of someone else's work or actions as the student's own — such as cheating on a test, submitting for credit a paper written by another person, or forging an advisor's signature — is intellectually dishonest and deserving of censure
Make-Up Policy/Late Work: When students are absent from school, make-up work must be handed in within two days upon returning to class.
Attendance Policy: Students will follow attendance requirements by Newark Valley School District.
Student Responsibilities:
· Students need to be actively engaged in their learning
· Attendance
· Attend class prepared
· Participation
· Complete assigned work on-time.
Mrs. McCloe
Personal Finance BUAD 109
Credit Hours: 3
Student Audience: Grade Level(s): 11 & 12
Semester: Spring – 20 weeks
Course Description: This course addresses finance at a personal and practical level. Students examine current economic
conditions focusing on how they can impact their personal economic situations. Ethics are examined and
personal management of cash, debt, credit, investments, insurance, and home buying.
Course Prerequisites:
Basic math and reading skills
Minimal Basic Skills Needed to Complete Course Successfully:
The course requires reading of mostly beginning college level material.
Basic math skills of addition, subtraction, and multiplication.
Writing skills to meet the NYS Common Core Standards.
Course Objectives:
· Understanding the importance of economic decisions
· Basic Excel Skills
· Establish financial goals and implement a budget
· Evaluate Insurance for motor vehicles, houses, apartments, health, and life.
· Understand how banking services work; fees, interest rates, services (checking accounts and cost of money)
· Saving for retirement and investment over a lifetime
· Saving Money and Avoiding Quick Financial Fixes
· Understand how to protect your credit and identity
· Home buying vs. renting
· Income and Payroll Taxes and sales tax
· Using planning software
· Credit Card usage (pros and cons, credit card laws of 2010)
· Bankruptcy
· Being a Wise Consumer
Required Texts and Materials/Optional Materials as Appropriate:
Required Text: NEFE – National Endowment for Financial Education.
Supplement: Managing Your Personal Finances by Joan S. Ryan
WISE Financial Literacy Certification (www.wise-ny.org and www.moneypower.org)
Federal Reserve Bank of St. Louis
Class Modalities/Alternative Learning Strategies:
· Lecture
· PowerPoint Presentations using SMART Tools
· Group Discussions
· Youtube
· Khan Academy
· Practical Money Skills
· FoolProof.com
Required Readings, Presentations, Written Assignments, etc.:
Required readings from text and a variety of Web sites
Homework Assignments are due on time as well as projects
Quizzes announced and unannounced
Unit Tests
Problem Solving Activities
Class Participation
Course Content Presented in Units or Segments:
Unit One: Creating a Financial Plan
Unit Two: Budgeting
Unit Three: Savings vs. Investing
Unit Four: Credit
Unit Five: Keeping Your Money Safe and Secure
Unit Six: Insurance
Unit Seven: Your Career
Evaluation/Grading System:
Exams 50%
Individual or Team Assignments/Projects 20%
Quizzes 30%
Final exam is the WISE National Financial Literacy Certification test. Teachers are NOT allowed to look at the exam or preview it. Students take the exam on-line.
Statement of Academic Integrity:
Tompkins Cortland Community College’s Statement of Academic Integrity
Every student at Tompkins Cortland Community College is expected to act in an academically honest fashion in all aspects of his or her academic work: in writing papers and reports, in taking examinations, in performing laboratory experiments and reporting the results, in clinical and cooperative learning experiences, and in attending to paperwork such as registration forms.
Any written work submitted by a student must be his or her own. If the student uses the words or ideas of someone else, he or she must cite the source by such means as a footnote. Our guiding principle is that any honest evaluation of a student's performance must be based on that student's work. Any action taken by a student that would result in misrepresentation of someone else's work or actions as the student's own — such as cheating on a test, submitting for credit a paper written by another person, or forging an advisor's signature — is intellectually dishonest and deserving of censure
Make-Up Policy/Late Work: When students are absent from school, make-up work must be handed in within two days upon returning to class.
Attendance Policy: Students will follow attendance requirements by Newark Valley School District.
Student Responsibilities:
· Students need to be actively engaged in their learning
· Attendance
· Attend class prepared
· Participation
· Complete assigned work on-time.