Personal Finance
K.Johnson, Instructor

Course Description: Students will be introduced to the study of personal finance and will apply their knowledge through written products. Students will develop financial literacy through integrated academics, real-world examples, and practical advice. By learning how to make informed decisions related to spending, saving, borrowing, and investing, you can build a solid foundation for your financial security now and in the future.

Course Requirements: Computer with internet access.

Course Overview:
• Unit 1: Your Financial Plan: Where It All Begins
• Unit 2: Budgeting: Making the Most of Your Money
• Unit 3: Investing: Making Money Work for You
• Unit 4: Good Debt, Bad Debt: Using Credit Wisely
• Unit 5: Your Money: Keeping It Safe and Secure
• Unit 6: Insurance: Protecting What You Have
• Unit 7: Your Career: Doing What Matters Most

Course Objective: The major objective of the course is for each student to develop a realistic and honest personal financial plan for their future.

General Classwork Instructions:
1. Be sure to read all directions for each assignment and keep track of your due date calendar.
2. Unit tests will be available on the final closing date for each unit during class time only.
3. Discussions require you to answer the question up for discussion and respond to classmates at least twice in order to get full credit for that exercise.
4. Discussions will usually be open for only one week so make sure you keep up with the material and don't get left out of the discussion.
5. This entire course can be accessed from anywhere, which means you do not have to be at school or only in class to access your assignments.
6. Unless an article or link is provided for you, all reading refers to your student guide.

Grading Procedures:
1. This course is totally online and has its own grade book linked to all assignments that you can check regularly. (This grade book is not PowerTeacher.) The assignments are given a point value and your grade will be based on the percentage of points you earn. For example, a discussion assignment is worth 10 points and a unit test is worth 50 points. Major projects are worth 50 points each and then homework is worth between 5 and 30 points depending upon length and difficulty.
2. It is very important for this class that you complete all of your homework and turn in all of your assignments on time. There is a calendar feature in the course which will remove assignment accessibility as due dates arrive. If you do not keep on track with the work in this course, you will lose access to assignments and earn a zero on that work. Remember, this is strictly a computer-based course. Keep up with assignments through the calendar and don't slack off on your work.
3. All unit tests MUST be taken during the designated class time. Any student who does not submit a test attempt during the designated class period can only earn a maximum of a 70% on that unit test.
4. You are welcome to work ahead on any unit. The only items you cannot submit early are unit tests.
5. Missing work can be made up once a unit is reopened for late credit. You can earn a maximum of a 70% on late work for one week after the due date. Then the dropbox will be closed and all missing work will be allotted a zero.
6. Quizzes can only be taken while the unit they are assigned to is open.

Class Rules:

1. You are expected to work on personal finance work ONLY during class time.
2. Do not download any games or software to the laptop computers.
3. Do not change the screen background on the laptop computers.
4. Independent study students must take the unit tests in class with Mrs. Johnson. Therefore, it is your responsibility to schedule a time with Mrs. Johnson to take the tests.