Tompkins Cortland Community College

Concurrent Enrollment Course Outline

High School Name: Unatego Central School District

Date Proposal Submitted/Prepared: August 25, 2015

Instructor: Sonnet Constable

TC3 Course #: BUAD 109

TC3 Course Title: Personal Money Management

Credit Hours: 3

Student Audience – Grade Level(s): Grade Level(s): 11th and 12th grade

Semester(s) Offered: Semester Fall (September-January) or Spring (January-June) or Full Year (September-June)

Instructor e-mail and/or phone #: [email protected] (607) 988-5098

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, personal management of cash, debt, credit, investments, insurance, and home buying are examined.

Course Prerequisites: MATH 090 if required by placement testing; prior completion or concurrent enrollment in RDNG 099 if required by placement testing.

Minimal Basic Skills Needed to Complete Course Successfully: Minimal writing (short written responses) and basic mathematical skills utilized. Reading of mostly beginning college-level materials.

Course Objectives: By successfully completing this course, the student will be able to create a cash budget, plan for major purchases, and understand & use credit. They will:  Establish financial goals & implement a budget  Understand how banking services work; fees, interest rates, services  Understand credit ratings & how to protect them  Understand how to identify scams & protect against identity theft  Understand the basics of income & payroll taxes  Understand different methods of investment & saving for retirement  Evaluate insurance for motor vehicles, houses, apartments, health, & life  Learn how to evaluate competing consumer loans for automobiles, homes, education and consumer goods  Gain an appreciation of the importance of understanding economic decisions, and asking questions before signing agreements. Required Texts and Materials/Optional Materials as Appropriate : Introductions to Business, 5th edition by Betty J. Brown & John E. Clow. McGraw-Hill. Copyright 2003.

Required Supplement(s): Hand-held calculator

Class Modalities/Alternative Learning Strategies: Instructional methods will include explaining concepts/topic introduction, multimedia lecture with PowerPoint, problem demonstrations, group discussions, banking simulation, on-line interactive stock market game, on-line interactive financial literacy program, and in-class activities.

Required Readings, Presentations, Written Assignments, etc.: Students are expected to complete daily assigned reading from the text and homework problems prior to class. Completion of the daily readings, homework assignments, and in-class activities are crucial to obtain an understanding of the underlying business concepts and skills necessary for passing exams. Students will have a test at the end of each chapter with a cumulative test at the end of the course. Students must come prepared for class with their textbook, work book, completed homework, calculator, pen/pencil and contribute to class discussions and activities.

Course Content Presented in Units or Segments: See attached sheet

Evaluation/Grading System: 94-100 = A 91-93=A- 88-90=B+ 84-87 = B 81-83=B- 78-80 = C+ 74-77= C 71-73=C- 68-70=D+ 64-67=D 60-63=D- 0-59 = F

Final TC3 Grade Determined by: Tests and Quizzes 70% Homework 30% Final Exam 20%

Final Unatego Grade Determined by: Tests and Quizzes 90% Homework 10% Final Exam 20% Overall

Test Retakes: Students will be given the opportunity to retake a test one time. The higher of the two (original and retake) grades will be used. Statement of Academic Integrity: All students at Unatego Central School District are expected to act in an academically honest fashion in all aspects of his/her academic 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, plagiarism, or other forms of academic dishonesty will not be tolerated. Students found guilty of academic dishonesty will receive a zero for those assignments and risk the possibility of a loss of credit for the course.

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: Students will be allowed one week to make up late/missing assignments and/or revisions. Assignments will be assessed a late penalty unless there is a legal excuse.

Attendance Policy: Attendance will be taken in accordance with Unatego and TC3 policies. Students are expected to attend every class. If a student is absent on the day a lab, quiz, or exam is due, the instructor decides whether the work may be submitted late. If a student misses class for any reason, the student is responsible for any material, announcements, and assignments.

Student Responsibilities: Student participation in class discussions and activities, as well as keeping up with all assigned work will help individuals grasp concepts and identify areas that need additional instruction. Office hours are available for further clarification and/or assistance. Personal Money Management (TC3 BUAD 109) T. Jackson 2015-2016 Syllabus

Following are the chapters and topics to be covered along with the weekly listing of reading assignments, tests, labs, & projects. (Note: Subject to change).

Week Chapter & Topic to be Covered Assignment Test/Project/Lab Unit 1: The Economy & You:  Register for *See Note Below 1-3 Ch 1 A Look at Needs & Wants Foolproof Ch 2 Economic Resources  Wkbk pgs  Complete Unit 3: Money & Financial Institutions 79-81 FoolProof (FP) Ch 12: Money & Financial Institutions Mod #1 Unit 9: Credit  Wkbk pgs  Complete 4-6 Ch 25: What is Credit? 184, 186-187 FP Mod #2 Ch 26: How to Get & Keep Credit  TxtBk pg Ch 27: Your Credit & the Law 414-415 Q 1-20, Unit 9 Appendix: Identity Theft 23, 25 How to identify scams & protect against  Wkbk pgs Identify theft 191-196 & 198  TxtBk pg 430 Q 1-25, & 29  TxtBk pg 444 Q 1-20 Unit 10: Money Management  Budget &  Complete 7-9 Ch 28: Planning a Budget Checking FP Mod #4 Ch 29: Checking Accounts simulation Ch 30: Savings Accounts  Wkbk pgs  Complete 10-12 Ch 31: Investing in Stocks, Bonds, & Real 225-230 FP Mod #5 Estate  6 week on- line stock market activity Unit 11: Risk Management  Wkbk pgs 13-15 Ch 33: Vehicle Insurance 249-253 Ch 34: Property Insurance  Wkbk pgs 16-18 Ch 35: Life & Health Insurance 257-258; 262- 263  Wkbk pg 268 Final Exam 20% 19-20 Review & Final Exam Overall Final Exam!! Note:  Chapter Tests after every chapter  MarketWatch.com (on-line stock market interactive game)  Foolproofme.com (independent on-line financial literacy program)  KhanAcademy (independent tutorial)