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Personal Finance Syllabus: FALL, 2013

Mr. Henson henson.145@buckeyemail.osu.edu Contact Information Course Website: !mail: "##ice Hours: Main "##ice: Course Description 0ersonal %inance consists o# & units o1er one semester. 2opics co1ered include taking charge o# your #inancial ell$being) managing your money) consumerism) credit) in1esting) career e3ploration and insurance. 0ersonal %inance or !conomics is re uire! #or graduation #rom 4ahanna 5incoln High 6chool. "no#le!$e, S%ills, an! Dispositions 7alues underline the #inancial goals people set -or #ail to set/. 2hey are the #oundation o# all personal #inance decisions. 8esides an indi1idual9s uni:ue goals) most people ha1e goals relating to basic security) indebtedness) home o nership) college education #or their children) recreation) and retirement. %inancial literacy is de#ined as the ability to read) analy;e) manage and communicate about the personal #inancial conditions that a##ect material ell$being. <t includes the ability to discern #inancial choices) discuss money and #inancial issues ithout -or despite/ discom#ort) plan #or the #uture and respond competently to li#e e1ents that a##ect e1ery day #inancial decisions) including e1ents in the general economy. =*eport o# the ,>68! Commission on %inancial and <n1estor 5iteracy <# you are interested in the >cademic Content 6tandards re:uired by the 6tate o# "hio) please see the #ollo ing link: http://education.ohio.go1/2opics/>cademic$Content$6tandards/%inancial$5iteracy Course Policies ?se this area to pro1ide the student ith your class policies -e.g.) policies dealing ith attendance) #inal e3ams) missed tests) late papers) make$up classes/. • • 6tudents are re:uired to be in their seats #or class hen the bell rings. 6tudents are re:uired to participate and be engaged in class -graded/ http://hensonhomepage. eebly.com/ Henson.145@buckeyemail.osu.edu M$% &:1' to &:(' in Hamilton Hall) *oom 1'+ ,o appointment ,ecessary -.14/ 4&+$55''

Misbeha1ior is not acceptable and ill count to ards your participation grade. Misbeha1ior is de#ined as any beha1ior that a##ects your or another student9s ability to learn. 6tudents ill not be allo ed to line up at the door at the end o# the class period. 6tudents can make up assignments in the e1ent o# an e3cused absence. 2ests can be made up in the 0>66 room ith appro1al #rom Mr. Henson. 2est must be made up ithin @ days o# the student returning to school.

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&opical 'utline 0ersonal %inance contains & units co1ered o1er the 1+ eek semester. ?nit 1$2aking Charge o# your %inancial Well$being 2opic 1$Money in your li#e 2opic @$%inancial Aecisions 2opic ($6etting %inancial 4oals ?nit @$Managing your money 2opic 1$<ntroduction to %inancial 4oals 2opic @$Choosing to 6a1e 2opic ($6a1ings 2ool 2opic 4$Checking 2opic 5$6pending 0lans and 8udgeting ?nit ($Consumerism 2opic 1$6mart 6hopping 2opic @$Car 8uying 2opic ($Housing/*enting an >partment 2opic 4$<dentity 2he#t ?nit 4$Credit 2opic 1$Credit 8asics 2opic @$Credit *eport 6cores 2opic ($6tudent Aebt 2opic 4$Credit Cards ?nit 5$<n1esting 2opic 1$<ntroduction to <n1esting 2opic @$*etirement 8asics 2opic ($<ntroduction to the 6tock Market ?nit .$Career !3ploration 2opic 1$<nterest <n1entory 2opic @$Career !3ploration 2opic ($<n1esting in yoursel# 2opic 4$?nderstanding your paycheck

2opic 5$2he 8asics o# 2a3es ?nit&$<nsurance 2opic 1$%undamentals o# <nsurance 2opic @ 0roperty and Casualty <nsurance 2opic ( Health <nsurance 2opic 4 5i#e <nsurance Assi$nments >ll assignments ill be listed by date on 4ahanna moodle. 6tudents ill be re:uired to complete orksheets) acti1ities and assignments in class and #or home ork. 6tudents ill be e1aluated at the end o# each topic ith a short :ui; to check #or understanding -@+ total/. 6tudents ill be re:uired to complete @ li#e proBects during the course. 2hese proBects help students e3plore their career options and to #orm a li#e plan. 6tudents ill be e1aluated by a test at the end o# each unit. -& total/ 6tudent ill be e1aluated by a #inal e3am. >ccording to 4ahanna 5incoln policy) i# a student has an > in the course) they ill not ha1e to take the #inal e3am. 6tudents can make up assignments and :ui;;es in the e1ent o# an e3cused absence. 6tudents ill ha1e 1 eek to make up assignments unless other arrangements are made. 2ests can be made up in the 0>66 room ith appro1al #rom Mr. Henson. 2est must be made up ithin @ days o# the student returning to school unless other arrangements are made ith Mr. Henson. Course ()aluation 1 4rade ill be gi1en #or each C eeks and the #inal e3am. Within !ach C eeks) students ill be assessed based on the #ollo ing: %ormati1e >ssessments: 5'D o# 4rade @5D o# this assessment ill be based on participationE 5'D o# this assessment ill be based on home ork - orksheets/ @5D o# this assessment ill be based on 2opic Fui;;es -@+ total/ 6ummati1e >ssessments: 5'D o# 4rade &5D o# this assessment ill be based on ?nit 2ests @5D o# this assessment ill be based on one proBect each semester *Participation #ill be score! on #+et+er t+e stu!ent is acti)ely en$a$e! in class, ans#erin$ uestions, completin$ in class assi$nments, #or%in$ #ell #it+ ot+er stu!ents,

GRADING SCALE per the Student Handbook GRADE 98 -100 = 92 - 97 = 90 - 91 = 88 - 89 = 82 - 87 = 80 - 81 = 78 - 79 = 72 - 77 = 70 - 71 = 68 - 69 = 62 - 67 = 60 - 61 = 0 – 59 = A+ A AB+ B BC+ C CD+ D DF REGULAR SCALE AP SCALE 4.0 5.0 4.0 5.0 3.7 4.625 3.3 4.125 3.0 3.75 2.7 3.375 2.3 2.875 2.0 2.5 1.7 2.12 1.3 1.625 1.0 1.25 0.7 0.875 0.0 0.000 HONORS SCALE 4.5 4.5 4.1625 3.7125 3.375 3.0375 2.5875 2.25 1.9125 1.4625 1.125 0.7875 0.0000

PROGRESS REPORTS !"#$!%& '()) *(+! P%,*%!&& %!-,%.& ., .$! &./0!1.& ". .$! $")2 '"3-,(1. ,2 EACH 9-'!!4 -!%(,0. P"%!1.& &$,/)0 "1.(#(-".! .$!&! -%,*%!&& %!-,%.& "10 &$,/)0 #")) %!&-!#.(+! .!"#$!%& '(.$ #,1#!%1& ,+!% *%"0!&. D".!& '$!1 (&&/!0 F(%&. 9 '!!4&.............. S!-.!56!% 18 .$ S!#,10 9 '!!4&...........N,+!56!% 20.$ $(%0 9 '!!4&............. F!6%/"%3 12 .$ F,/%.$ 9 '!!4&.............A-%() 30.$ GRADE CARDS G%"0! #"%0& "%! 0(&.%(6/.!0 !+!%3 9 '!!4&. G%"0! #"%0& 2,% .$! !10 ,2 .$! 3!"% "%! 5"()!0. D".!& '$!1 (&&/!07 F(%&. 9 '!!4&............. O#.,6!% 25 .$ S!#,10 9 '!!4&.......... 8"1/"%3 8.$ $(%0 9 '!!4&............ A-%() 4.$ F,/%.$ 9 '!!4&............ 8/1! 6.$

FINAL EXAMS $! $(*$ &#$,,) ,-!%".!& " &-!#(") !9"5 &#$!0/)! ". .$! !10 ,2 .$! 2(%&. &!5!&.!% "10 .$! !10 ,2 .$! &#$,,) 3!"%. Student attendance or e!er" e#a$ per%od %& e#tre$e'" %$portant. E9"5& '()) 1,. 6! *(+!1 !"%)(!% .$"1 .$! &#$!0/)!0 .(5!. E#a$& repre&ent ()* o the &e$e&ter +rade. Sen%or& ,%th an -A. a!era+e %n the%r &e$e&ter cour&e& ,%'' be e#e$pt ro$ a %na' e#a$/ Sen%or& %n a "ear'on+ cour&e ,%'' take a &e$e&ter e#a$/ Sen%or& ,%th an -A. a!era+e or a "ear'on+ cour&e ,%'' be e#e$pt ro$ the end o "ear %na' e#a$/ *The exam schedule is subject to change from year to year.

&e-ts./ea!in$ List.0iblio$rap+y 0ersonal %inance at 4ahanna 5incoln does not use a te3t book. Most o# our resources can be #ound on the internet. 2hey ill be a1ailable on moodle by calendar day. 0lease see the #ollo ing links as e3amples: &opic 1 What Makes Gou Happy Money in Gour 5i#e 0resentation Money in Gour 5i#e 4uided ,otes 2he *oommates $$0re;i <ntro My 6tory Worksheet &opic 2 playspent.org
What Ao < 7alue$ -7alues >uction 5ist/

%inancial Aecisions 0resentation %inancial Aecisions 4uided ,otes Aelayed 4rati#ication 7ideo &opic 3 *ead H *eact: Worksheet >rticle 1: http:// .lululemon.com/education/goalsetting $ Create your <deal 5i#e ith 4oal 6etting -Make sure you atch the 1$minute 1ideoII/ >rticle @: http:// .mindtools.com/page..html $ 0ersonal 4oal 6etting$$0lanning to 5i1e Gour 5i#e Gour Way >rticle (: http:// .#orbes.com/sites/russalanprince/@'1(/'&/@C/setting$e3ceptional$business$ goals$to$become$rich/ $ 6etting !3ceptional 8usiness 4oals to 8ecome *ich >rticle 4: http:// .stack.com/@'1(/'&/@4/goal$setting$roadblocks/ $ 4 "bstacles to 8etter 4oal 6etting 6etting %inancial 4oals 0resentation 6etting %inancial 4oals 4uided ,otes
4oal Writing >cti1ity

Americans #it+ Disabilities Act Information 6tudents ith disabilities ho re:uire special accommodations should let me kno at the beginning o# the semester. !1ery e##ort ill be made to accommodate the student. 6ection 5'4 o# the >merican ith Aisabilities >ct co1ers :uali#ied students ith disabilities ho attend schools recei1ing %ederal #inancial assistance. 2o be protected under 6ection 5'4) a student must be determined to: -1/ ha1e a physical or mental impairment that substantially limits one or more maBor li#e acti1itiesJ or -@/ ha1e a record o# such an impairmentJ or -(/ be regarded as ha1ing such an impairment. 6ection 5'4 re:uires that school districts pro1ide a #ree appropriate public education -%>0!/ to :uali#ied students in their Burisdictions ho ha1e a physical or mental impairment that substantially limits one or more maBor li#e acti1ities. Syllabus C+an$e Policy >n ad1antage to not ha1ing a te3tbook is < o#ten #ind upgraded or better ays to communicate content to students. Changes may be made to the syllabusJ ho e1er) students ill be in#ormed immediately should those changes occur.