1105: WEALTH BUILDING ​ Mounds View High School - 2017-18 - Grade Level: 11-12 ​ ​ Credit Area: Business and Marketing Elective - Credit: .5 ​ ​ ​ Course meets for 56 minutes daily for 1 semester (18 weeks)

Instructor: Cheryl Braman ​ E-mail: [email protected] ​ Office: MV Room 135A ​ Office Hours: Tuesday 2:30-3:30pm ​ Resources: A variety of current financial resources including: Yahoo and Google Finance, Best Prep’s Market ​ ​ Game/Capitol Hill Challenge, Take Charge Today, Next Gen Personal Finance, JA Upper Midwest

Course Description Financial success depends significantly on the ability to manage money. Students will examine different types of and strategies to build wealth and create financial security. This project-based course will help students develop investing knowledge while analyzing and tracking , bonds, mutual funds and other investments. Fundamental personal finance concepts such as and budgeting that provide the foundation for investing will be incorporated throughout the semester.

Course Outline Unit: 1 Financial Planning & Ethics o Profile (Short & Long Term Financial Goals, Risk Tolerance Profile, etc ) … o Budgeting for and Investment Unit 2: Types of Investments: ​ o Savings Instruments (Savings, Money Markets, CD’s) o Securities Instruments (Stocks, Bonds, Mutual Funds, REIT’s, Commodities, Futures, IRA’s) o Real Estate o Tax implications of different investments (401(k), 403(b), Roth IRA, Traditional IRA, etc.) Unit 3: Financial Analysis ​ o Annual Reports o Income Statements o Cash Flow o Balance Sheet o Ratios (Profit Margin, P/E, Earnings/Share, etc ) … Unit 4: Estate Planning ​ o Understand the role of Estate Planning for long-term financial well-being o Describe the steps to planning an estate

Learner Outcomes Through the use of the fundamental concepts of financial planning and investing, a student shall develop and follow a plan that includes strategies for building wealth. A. Explain how risk and risk analysis is utilized in assessing individual’s understanding of the risk/reward of investing. B. Compare the tools for investment, via the investment pyramid, understanding the levels of risk for each investment type and its possible return. C. Explain the non-traditional types of investments: REITs, Rental Real Estate and Collectibles and how these might fit into an individual’s investment strategy/portfolio.

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D. Describe four positive outcomes of Estate Planning ● Provide for loved ones after you are gone ● Opportunity to strengthen family relationships by providing a path to follow to carry out financial wishes of others ● Reduce time, effort and dollar costs incurred by survivors. ● Leave a legacy with gifts to private parties, foundations or organizations.

Grading Policy 80% of the semester grade will be based on performance assessments of learning. The performance assessments best ​ ​ demonstrate what students know and can do. These assessments are a demonstration of a student’s mastery of the courses standards/outcomes. This category includes tests and projects.

20% of the semester grade will be based on practice assessments for learning. The practice assessments will provide ​ ​ students feedback about their learning so that necessary improvements can be made. This category includes class assignments, quizzes, formative assessments and some projects and class discussions.

Grading Scale: A 93+ B+ 87-89 C+ 77-79 D+ 67-69 F <60 A- 90-92 B 83-86 C 73-76 D 63-66 B- 80-82 C- 70-72 D- 60-62

Standards This course correlates to the National Business Education Association standards.

Accessing Grades Parents and students can view assignments and access grades through ParentVUE. ​ ​

Relearning Opportunities Relearning Opportunities: Students not demonstrating proficiency on a performance activity (quiz, test, etc.) have the opportunity to re-learn course content. Students not reaching proficiency, should seek a re-learning experience from the instructor within 1 week of the performance activity. After completion of a relearning activity, the instructor will review the activity with student before or after school or during a ReFLECT period to determine concept understanding. At that time, student can complete an assessment addressing missed concepts in an attempt to reach proficiency. The reassessment grade will replace the original assessment score. Level of proficiency varies and is determined by the instructor. Proficiency is based on content, type of assessment, significance of the standard/learning target being measured and student circumstances.

Commitment to Integrity Mounds View Schools expects every student to maintain a high standard of individual integrity for work done. Scholastic dishonesty is a serious offense which includes, but is not limited to, cheating on a test or other class work, plagiarism (the appropriation of another's work and the unauthorized incorporation of that work in one's own work), and collusion (the unauthorized collaboration with another person in preparing work offered for credit). The instructor will follow the Mounds View Schools protocol as outlined in the Student handbook.

Personal Devices Policy All personal devices must be kept in student backpacks or pockets unless permission from the instructor is obtained. Please plan accordingly. If you have questions, please contact the instructor.

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