Career & Financial Management

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Course Description Course Requirements Grading Scale Assignments Personal Finance
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Course Description:  (Unit 5-Resource Management will be emphasized during the Semester as extra credit.)

Students will identify the relationship between career planning and lifelong goals.  Students will perform a series of self-assessments to identify with career clusters that match their personal interests, values and abilities.  Students will become familiar with the job search process and identify with the preparation that is necessary to transition from the educational environment into a career.  This process includes preparing a resume, cover letter, follow-up letter, identifying & practicing interview skills and acquisition of career related information.  Students will develop skills in communication, critical thinking and decision-making to ensure successful employment opportunities.

Students will study a wide range of financial areas that include managing finances & budgeting, comparing & contrasting a variety of financial institutional services and prepare sample state and federal income tax returns.  Students will learn to plan for financial security by identifying with investing alternatives such as stocks, bonds, mutual funds, real estate and retirement & estate planning.  Students will understand the necessity of establishing & maintaining an excellent credit rating while evaluating various sources of credit, credit laws & FICO scores, responsibilities and the cost of credit.  Students will look at resource management which includes planning and goal setting for purchasing a car, renting vs. buying a home and maintenance of their resources. Students will identify with risk management which includes identifying with the different types of insurance (auto, home owners, renters, health & life insurance).   Last, students will identify with their rights & responsibilities as a consumer in our economic system.

Curriculum Map:    Click here for Adobe Acrobat format 

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Course Requirements:

Textbook:  "Managing Your Personal Finances" by Joan S. Ryan

Notebook
Pens/Pencils

Handouts

Calculator
The above items are to be brought to class every day. (Calculator for certain units.)

Students will be expected to do daily assignments, complete homework, and participate in class discussions. Classroom activities will include group discussions, problem solving, and individualized instruction. Students are encouraged to work independently and assist others when appropriate.

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Grading Scale:

Tests......................................................................................................................30%
Class work/Homework..................................................................................................30%Quizzes....................................................................................................................20%
Teacher Evaluation
......................................................................................................20%

 

Tests:  Students retention of course content is assessed periodically, usually weekly. If a student plans to be absent, they should contact the teacher and arrange for the test to be taken three-school days from the date of absence.  A Final Exam will be administered.
 

Homework: Homework will be assigned, collected and graded.  All late work will be given one grade less for each day late up to 2 days. After 2 days the grade will be ‘0’.  If a student is absent or ill, they will have one week from the date of absence to make up all work.
 

Quizzes:  Student’s retention of course content will be assessed periodically and a grade will be given.  If a student plans to be absent, they should contact the teacher and arrange for the quiz to be taken before the date of absence.
 

Teacher Evaluation:  This subjective grade will include daily attendance, student behavior, classroom preparation, homework, daily work effort, and a notebook that should be updated daily and class participation.  (Preparation includes a student’s ability to bring required materials to class on a daily basis.)

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Assignments: (Dates are subject to change; dates indicate the designated chapter examination.)
 

Unit / Chapter #

Topics

Approximate # of
Class Sessions
/Due Date
Unit 1 Career Decisions Transparencies for Chapters 1-5
Chapter 1 Choosing Your Career

Sept. 12th

Student Activity - Quiz

Chapter # 1 Exam

Chapter 2 Planning Your Career Sept. 18th
Student Activity - Quiz
Chapter # 2 Exam
Chapter 3 Getting the Job Sept. 24th (Oct. 4th)
Student Activity - Quiz
Chapter # 3 Exam
Chapter 4 Adapting to Work Sept. 27th (Oct. 10th)
Student Activity - Quiz

Chapter # 4 Exam
Chapter 5 Work Laws & Responsibilities  (PowerPoint)
 
Unemployment Laws Questionnaire (Form)
Oct. 4th (Oct. 16th)
Student Activity - Quiz

Chapter # 5 Exam
Unit 1 Project Career Development: Planning & Leading a Meeting TBA
Unit 2 Money Management Transparencies for Chapters 6-9
Chapter 6 Pay, Benefits, and Working Conditions
PowerPoint for Chapter # 6-(Labor Unions)
Oct. 11th (Nov. 6th)
Student Activity - Quiz

Chapter # 6 Exam (Tax Table)
Chapter 7 Federal Income Tax Income Tax Terms & Forms
What Form (Fed. Return Form) do I use?
1040EZ Form and 1040EZ Tax Table
Federal Income Tax Withholding Table-2007
Schedule A and Schedule B of Form 1040
Oct. 19th
Student Activity - Quiz

Chapter # 7 Exam
Chapter 8 Budgets & Financial Records Oct. 25th
Student Activity - Quiz
Chapter # 8 Exam
NEFE-High School Financial Planning Program (Workbook)

Student Web site:
hsfpp.nefe.org
Unit 1
Unit 1- hsfpp PowerPoint (PDF) and Terms
Unit 1-hsfpp SM Activities, Assignments & Assessments

Hot Potato Exercises:
Page 3  |  Page 4  |  Page 5-8  |  Page 9-10  |  Page 12-13
Unit 1-hsfpp - Decision Making Worksheet

Unit 2

Unit 2-hsfpp PowerPoint (PDF)
  Why should you create a personal budget?
Unit 2-hsfpp SM Activities, Assignments & Assessments

Unit 2-hsfpp-Gross Pay Worksheet;
                   Budget Handouts 1 & 2

                   Gross Pay-Withholding Table

Unit 3

Unit 3-hsfpp-Investing: Making Money Work for You PowerPoint (PDF) Financial Pyramid Samples: 1 and 2)
Financial Calculator


Unit 4

Unit 4-hsfpp-Credit: Good Debt, Bad Debt
PowerPoint & Transparencies (Study Guide) 
Loan Calculator Compare Credit Scores

Unit 4-NEFE-Credit-Transparencies;
Student Guide


Unit 5
Unit 5- hsfpp-Your Money: Keep it Safe & Secure PowerPoint--Unit 5-hsfpp-Credit-Transparencies

Final ExaminationFinal Exam Review Packet

NEFE Unit 1 - Quiz # 1
Unit 1 - Quiz # 2-Decision Making (Page 2)
Unit 1 - Exam



 

 

Unit 2 - Quiz # 1-Budgeting
Unit 2 Exam






 

Unit 3 - Quiz # 2 V1 & V2
Unit 3 - Mutual Funds

Unit 3 - Exam V1 & V2



Unit 4-Quiz # 1 V1 & V2
Unit 4-Quiz # 2 V1 & V2
Unit 4-Practice Exam
Unit 4-Exam V1 & V2





Unit 5-Quiz # 1
Unit 5-Exam


Questions 1-50 
Version A or Version B

Questions 51-100 
Version A or Version B

Chapter 9 Checking Accounts & Other Banking Services
 
Bank Reconciliation Process-PDF FORM
  Link needed for Problem 9-5
Oct. 31st
Student Activity - Quiz

Chapter # 9 Exam
Unit 2 Project Assessing Your Financial Health TBA (Extra Credit)
Unit 3 Financial Security Transparencies for Chapters 10-15
Chapter 10 Saving for the Future Nov. 7th
Chapter # 10 Exam
Chapter 11 Investing for your Future
(See Web:
www.360financialliteracy.org/Life+Stages/)
Unit 3-NEFE-Investing-Transparencies
Nov. 14th
Chapter # 11 Exam
Chapter 12 Investing in Stocks Nov. 26th
Chapter # 12 Exam
Chapter 13 Investing in Bonds Nov. 29th
Chapter # 13 Exam
Chapter 14 Investing in Mutual Funds, Real Estate, and Other Choices Dec. 7th
Chapter # 14 Exam
Chapter 15 Retirement & Estate Planning Dec. 13th
Chapter # 15 Exam
Unit 3 Project Assessing Your Financial Security TBA (Extra Credit)
Unit 4 Credit Management Transparencies for Chapters 16-19
Chapter 16 Credit in America
Unit 4-NEFE-Credit-Transparencies; Student Guide
Dec. 18th
Chapter # 16 Exam
Chapter 17 Credit Records & Laws Dec. 21st
Chapter # 17 Exam
Chapter 18 Responsibilities & Costs of Credit Jan 9th
Chapter # 18 Exam
Chapter 19 Problems with Credit Jan 15th
Chapter # 19 Exam
Unit 4 Project Managing Credit & Debt TBA (Extra Credit)

** Unit 5-Resource Management (Personal Resources, Renting a Residence, Buying a Home, Buying &

caring for a vehicle and Family Decisions will be covered during Semester as extra credit.)
Transparencies for Chapters 20-24

Unit 6 Risk Management Transparencies for Chapters 25-30
Chapter 25 Introduction to Risk Management Jan. 18th
Chapter # 25 Exam
Chapter 26 Property & Liability Insurance TBA
Chapter # 26 Exam
Chapter 27 Health & Life Insurance TBA
Chapter # 27 Exam
Unit 6 Project Managing Personal Risks TBA (Extra Credit)
Final Examination January 22nd Final Examination Link
 
Personal Finance-Weekly Newsletter by Jason Alderman

 

** Denotes that this assignment should be handed in for Quarter # 3:  (hand-in)


Career & Financial Homework & Classwork Handouts:
Unit 1
Accompanying hsfpp.nefe.org resource

Unit_1-Creating a Financial Plan/Unit_1_packet_1.pdf (Complete Terminology handout ONLY!)

Unit_1-Creating a Financial Plan/Needs_Wants_Activity.pdf
Unit_1/Decision_Making_DM_Quiz

Unit_1/Goals_Handout_SM1-2_SM1-3
Time_Management_Log_Handout.pdf

SIMM_Lesson 1-Time_Management.pdf

Unit_1/SM_1-1

Unit_1/Student_Personal_SMART Financial _Goals_Activity

Unit_1/Unit_1_Term_Review_Exercise

Unit_1/Time_Management_Log_Handout
Unit_1-Quiz_15_questions.pdf
Unit_1-Creating a Financial Plan/Unit_1_Handout_Ques_23-28.pdf
Unit_1-Creating a Financial Plan/Exercise_1F_Buying_a_Car.pdf


Unit 2-
Accompanying hsfpp.nefe.org resource

Unit 2-Why_Management_of_Money_Budget.pdf
Unit 2-Budgeting-Analyze Info/Unit_2_Terminology.pdf
Unit 2-Budgeting-Analyze Info/Calculate_Gross_Pay_Net_Pay_Wage.pdf
Unit 2-Budgeting-Analyze Info/Budgeting_Problems_10_Questions.pdf
Unit 2-Budgeting-Analyze Info/John_Marcia_Budget_Problem_1_and_2.pdf
Unit 2-Mr. Knowles-Decision_Making_DM_Quiz.pdf (Only complete Mr. Knowles Section.)
Unit 2/SM 2-2

Unit 2/SM 2-3

Unit 2/Unit_2_Handouts_Packet_1
Spending_Log.pdf
Unit 2/Classify_Expenses_Exercise

Unit_2_Budget_Handouts_2.pdf

Unit 2/Unit_2_PowerPoint_Budgeting

Unit 2/Budgeting/Budget_Exercises
SIMM_Lesson_3_Budgeting_Saving.pdf

Budget_Project_Instructions

Expense_Categories_Percentages

Budgeting/Budget_Word_Problems

Budgeting/Calculating_Monthly Payments

Career_Financial_Handouts/Budgeting/Expense_Classification_Gross_Pay_Calculations_Handouts.pdf

Career_Financial_Handouts/Budgeting/Pay_Stud_Problem_Sheet_1.pdf

Career_Financial_Handouts/Budgeting/Pay_Stud_Problem_Sheet_2.pdf

Career_Financial_Handouts/Budgeting/Why_Management_of_Money_Budget.pdf
Career_Financial_Handouts/Rent_or_Buy_a_Home.pdf
Unit 2-Budgeting-Analyze Info/Assign_2-4_Jessica's_Budget.pdf
Unit 2/Budgeting/Quiz # 1
Hot Potato:
Unit One-Your Financial Plan: pg 4
Unit One-Your Financial Plan: pg 5-8
Unit One-Your Financial Plan: pg 9-10

CareerCruising:

Career_Financial/CareerCruising/Activity1.pdf

Career_Financial/CareerCruising/Activity2.pdf

Career_Financial/CareerCruising/Activity3.pdf

Career_Financial/CareerCruising/Activity4.pdf
 


Unit 3- Investing:  Making Money Work for You
Accompanying hsfpp.nefe.org resource

Budget Project:

BUDGET RUBRIC
Recommended Expense Percentages

Hot Potato
(Jcloze Exercises)
Unit 3 pg 27-30

Jcloze-pg 33-34

CareerCruising:

CareerCruising/Activity 5.pdf
CareerCruising/Activity 6.pdf
CareerCruising/Activity 7.pdf

Stock Market:
www.smg.ww.org Stock Market Web Site
www.finance.yahoo.com Investing Research Site
www.thestreet.com
www.hoovers.com (Studying Industries)
Calculating Mutual Fund Fees & Expenses  (SEC-Calculator)

 

SIMM-Personal Finance Simulation Activities (SIMM must be done in Mr. Hunter's room.)

Lesson # 13-Introduction to Investing
 


Handouts:
Class Notes:Savings versus Investing
Rank products based upon the Financial Planning Pyramid according to  risk and return.
Unit # 5 Handout "Managing Your Finances"
handout "Advantages and Disadvantages of Mutual Funds"
Unit 3-Calculating Inflation

Unit_3_Investing/Compound_Interest.pdf
Investing Terminology sheet # 1

Career_Financial_Handouts/Unit_3_Investing/Saving_versus_Investing_notes.pdf

Career_Financial_Handouts/Unit_3_Investing/How_do_CDs_Work.pdf
Investing Terminology Review Handout
Ranking Risk & Return Products
Review of "Mutual Funds"
Career_Financial_Handouts/Unit_3_Investing/SM_3_2_Are_You_a_Risktaker.pdf

Career_Financial_Handouts/Unit_3_Investing/Choosing_a_Savings_Checking_Account.pdf

Career_Financial_Handouts/Unit_3_Investing/Unit_3_Student_Investment_Products_Handout.pdf

 

Career_Financial_Handouts/Unit_3_Investing/Forms_of_Business_Ownership.pdf

Career_Financial_Handouts/Unit_3_Investing/Investing_Terms_Sheet_1.pdf

Career_Financial_Handouts/Unit_3_Investing/Researching_a_Company.pdf

Career_Financial_Handouts/Unit_3_Investing/Return_on_Investment.pdf

Career_Financial_Handouts/Unit_3_Investing/Risk_and_Return.pdf

Career_Financial_Handouts/Unit_3_Investing/SM_3-1_Dollars_and_Sense.pdf

Career_Financial_Handouts/Unit_3_Investing/Terms_Understanding_the_Financial_Pyramid.pdf

Career_Financial_Handouts/Unit_3_Investing/Traditional_IRA_vs_Roth_IRA.pdf (Read)

Career_Financial_Handouts/Unit_3_Investing/Tresury_Securities_Handout.pdf


 

Investing-Stock Market:
Forms of Business Ownership
Stock Market Rules for Stock Market Game.
Company Research
What is a Stock?

Stock Quote Table (hand-in)
Making Stock Market Calculations (hand-in)

Calculating Dividends
To Risk or nor to Risk
Reading_Intrepreting_info on Mutual_Funds
Risk "Speculative, Moderate, or Conservative"
Do I Buy or Sell?


 

Investment-Pyramid
Guide_to_Understanding_Investor_Research_pp.pdf

Guide_to_Understanding_Reading_a_Portfolio_pp.pdf
Mutual Fund Handout (Teacher's Notes)
**
Mutual Fund Center**
Mutual Fund Expenses & Fees
Review Packet Unit 3-Forms of Ownership & Being a Stockholder
Tracking your Investments (Pretest)

Mutual Fund Analysis Sheet
Investment Pyramid (Ranking Investments by Return/Risk)
Mutual Fund Concepts (T or F)  &
Mutual Fund Terminology
Evaluating Mutual Funds: (Mutual Fund analysis)
Personal Savings_Investing_Plan (
hand-in)
   (Top Three Savings/Investments)

Unit 3-Study Guide for examination.
 

 

Unit 4-Good Debt & Bad Debt: Using Credit Wisely

* Unit 4PowerPoint & Transparencies

Hot Potato (Jcloze Exercises)
Jcloze pg 41-44

Jcloze pg 45-47

 

CareerCruising:
CareerCruising/Activity 7.pdf

 

SIMM-Personal Finance Simulation Activities (SIMM must be done in Mr. Hunter's room.)

Lesson # 8-Choosing a Credit Card
Lesson # 7-Choosing and Balancing a Checking Account


SM 4-1-Fill out a Credit Card Application-Version # 1 & 3.
The 6 C's of Credit
Credit Review # 1
LoanLiner Application
Calculating Monthly payments and the Total Cost of Credit
Credit Transparencies
(Advantages & Disadvantages; Types of Credit, etc.)

What is your Credit Score and Why is it important?
Practical Money Skills (Credit Calculators)  OR Mr. Hunter's Excel Template
SM 4-2 (Impact of different Loan Factors) (
hand-in)
Financial Literacy Exam (WISE Financial Literacy Examination)
Credit Handout (Questions 1-6) (Unit_4_Exam_Short_Answer_Assessment Section)
Calculating Credit Card Costs
Credit & Your Consumer Rights (FTC-Consumer Rights regarding Credit.) Read ONLY!
Credit Card Activity (Choosing your first Credit Card.)
(hand-in for EXTRA CREDIT)
Bankruptcy Exemptions


Unit 5-Your Money: Keeping it Safe and Secure (Unit 5-Student Copy)



Hot Potato (Jcloze Exercises)
Jcloze; Unit 5, Pages 60-63

SIMM-Personal Finance Simulation Activities (SIMM must be done in Mr. Hunter's room.)

SIMM-Lesson # 7  "Choosing and balancing a Checking Account"
How to Protect Your Bank Deposits
Personal Signature Card (Citizen's Bank)
Evaluate Savings Account Products
Endorsement Handout

Checkbook Register Practice Problem
Checkbook_Register-Standard

Banking_Activities_Handout_1
Banking_Activities_Handout_2

Banking_Activities_Handout 3

Share_Draft_Checking_Account_Basics

Evaluating_a_Checking_Account_Activity
Sample Bank Statements: Champlain National & Community Bank
Bank_Reconciliation_Process
Blank Bank Reconciliation Form

Bank_Reconciliation_Problem_1

Bank_Reconciliation_Problem_2

Bank_Reconciliation_Problem_3

Bank_Reconciliation_Problem_4

Banking Services/Bank_Reconciliation_Problems

Career & Financial Management FINAL EXAM REVIEW PACKET


Hot Potato Exercises:

Unit One-Your Financial Plan: pg 1-3

Unit One-Your Financial Plan: pg 4
Unit One-Your Financial Plan: pg 5-8
Unit One-Your Financial Plan: pg 9-10
Unit One-Your Financial Plan: pg 12-13  
Unit 2-Budgeting: Making the Most of Your Money (Crossword)

Budgeting: Making the Most of Your Money

Budgeting: Making the Most of Your Money

Unit 2-Budgeting: Making the Most of Your Money!

Unit 2-Budgeting: Making the Most of Your Money

Investing-Making Money Work for You!

Investing-Making Money Work for You

Unit 3-Investing: Making Money Work for You (hand-in)

Unit 3-Investing: Making Money Work for You! (hand-in)
Unit 4-Using Credit Wisely: pg 41-44
(hand-in)

Unit 4-Using Credit Wisely: pg 45-47 (hand-in)

Unit 4-Using Credit Wisely: pg 52-53 (hand-in)
Unit 4-Using Credit Wisely: pg 54-57 (hand-in)

Careercruising Exercises:

Career_Financial/Career_Cruising/Activity1.pdf

Career_Financial/Career_Cruising/Activity2.pdf

Career_Financial/Career_Cruising/Activity3.pdf

Career_Financial/Career_Cruising/Activity4.pdf

Career_Financial/Career_Cruising/Activity5.pdf (hand-in)

Career_Financial/Career_Cruising/Activity6.pdf (hand-in)

Career_Financial/Career_Cruising/Activity7.pdf (hand-in)

Career_Financial/Career_Cruising/Activity8.pdf

Career_Financial/Career_Cruising/Activity9.pdf

Career_Financial/Career_Cruising/Activity10.pdf
 

SIMM Personal Finance Exercises:
Lesson # 13-Introduction to Investing
(hand-in)
Lesson # 8-Getting a Credit Card (hand-in)
Lesson # 9-Fixing Your Credit (hand-in)

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