Instructor: John Brydels, Jr.
Office Hours: 30 Minutes before class or by appointment
Email: firstname.lastname@example.org Website: www.personalfinance123.com
Required Text: Personal Finance, 7th Edition, by Kapoor, Dlabay, and Hughes
Calculator: Any calculator.
Finance 123, Personal Finance, is designed to provide students with:
· An awareness and appreciation of the role of personal finance in their planning and decision making..
· An understanding of the various functional areas of personal finance, and their mutual associations and interdependencies.
· A basic competency in the identification, conceptualization, and solution to problems in the functional areas of personal finance.
Attendance will be recorded, and students are expected to make an effort to attend all class meetings. Class attendance and participation are crucial to successful course performance.
Academic Honesty and
It is vital to the well being of the academic community that academic integrity be maintained in the classroom. Toward this end, it is essential that all measures of student performance reflect the students own work. Please refer to the University Catalogue for University policies pertaining to academic honesty and the penalties associated with violations of these policies. Students are expected to conduct themselves in a professional manner during the assigned class meeting times.
The class will be given four
tests (of which the three highest scores will count), a Final Exam, and Problem
Exam #1 - 100 points
Exam #2 - 100 points
Exam #3 - 100 points
Final Exam - 200 points
Problem Quizzes - 100 points
Total - 600 points
A 540 600
B 480 539
C 420 479
D 360 419
F 000 359
· Quizzes will be randomly administered based on assigned problems and will be conducted on an open-notes basis. The lowest quiz score will be dropped. No make-ups will be permitted for missed quizzes.
· The final exam is comprehensive and required for all students. Exams will consist of objective-form questions and problems and be administered closed-notes, closed-text.
If you are a qualified student with a disability seeking accommodations under the American Disabilities Act, you are required to self-identify with the Office of Student Life, Room 203, Student Union.
1A Lecture 1 Overview, Discussion of Interest Rates, Time Value of Money, and Taxes
2A Lecture 2Chapter 1,2 Financial Planning, Goal Setting, Career Planning
2B Time Value of Money(Handout)
3A Chapter 3 and Chapter 5 - Chapters 3,5 Budgeting and Banking (and Homework Review
3B Review for Test 1.
4A Test 1 (
4B Review for Test 1 in 1st half of class
UNIT 2 BIG BUYS and Introduction to Long Term Planning
5A Chapter 4 - Taxes
5B Chapter 6,7 Personal Credit
6A Buying a House .Buying a Home
6B Buying a House (continued)
7A Review Homework and Review for Test 2
UNIT 3 - INSURANCE
7B Buying a Car - Buying a Car
UNIT 4 INVESTMENTS AND RETIREMENT SAVINGS
10B Chapters 13 and 14 - Investment Fundamentals and Stocks
11A Chapter 16 - Mutual Funds
11B Review for Test 3 (Ch. 10,11,12,13,14,16: Insurance, Investment Fundamentals, Stocks, Mutual Funds)
12A Review for Test 3 and Distribute Test 4 (Take Home Test)
12B Ch. 18 - Retirement Planning
13A TEST 3 - Ch. 10,11,12,13,14,16
13B Review for Final (Test 4 due if trying to be exempt from Final).
14A FINAL EXAM and TEST 4 is DUE