PERSONAL FINANCE AND INVESTING



COURSE SYLLABUS


Semester 1
Semester 2
Week 1 (September 1-5)
Week 20 (January 26-30)
Week 2 (September 8-12)
Week 21 (February 2-6)
Week 3 (September 15-19)
Week 22 (February 9-13)
Week 4 (September 22-26)
Week 23 (February 16-20)
Week 5 (September 29-October 3)
Week 24 (February 23-27)
Week 6 (October 6-10)
Week 25 (March 2-6)
Week 7 (October 13-17)
Week 26 (March 9-13)
Week 8 (October 20-24)
Week 27 (March 16-20)
Week 9 (October 27-31)
Week 28 (March 30-April 3)
Week 10 (November 3-7)
Week 29 (April 6-10)
Week 11 (November 10-14)
Week 30 (April 13-17)
Week 12 (November 17-21)
Week 31 (April 20-24)
Week 13 (November 24-28)
Week 32 (April 27-May 1)
Week 14 (December 1-5)
Week 33 (May 4-8)
Week 15 (December 8-12)
Week 34 (May 11-15)
Week 16 (December 15-19)
Week 35 (May 18-22)
Week 17 (January 5-9)
Week 36 (May 25-29)
Week 18 (January 12-16)
Week 37 (June 1-5)
Week 19 (January 19-23)
Week 38 (June 8-12)
Summer Vacation!

ACADEMIC SCHEDULE


First Quarter

Week 1 (September 1-5)

Monday---Holiday-No School
Tuesday---Welcome back Freshman and New Students!
Wednesday---Welcome back everyone!!
Thursday---
Friday---

Week 2 (September 8-12)

Monday---Columbian Time---
Tuesday---
Wednesday---
Thursday---
Friday---

Week 3 (September 15-19)

Monday---Open House (7:00 pm)---
Tuesday---
Wednesday---
Thursday---
Friday---

Week 4 (September 22-26)

Monday---Columbian Time---
Tuesday---
Wednesday---
Thursday---
Friday---

Week 5 (September 29-October 3)

Monday---
Tuesday---
Wednesday---Late Start---
Thursday---
Friday---Progress Report 1---

Week 6 (October 6-10)

Monday---Inservice-No School
Tuesday---
Wednesday---Homecoming Court Voting---
Thursday---Homecoming Court Tapping---
Friday---State Inservice-No School

Week 7 (October 13-17)

Monday---
Tuesday---
Wednesday---PSAT (8-11:00 am)---
Thursday---
Friday---Pep Assembly---

Week 8 (October 20-24)

Monday---Columbian Time---
Tuesday---
Wednesday---
Thursday---
Friday---

Week 9 (October 27-31)

Monday---College Visitation (1-3pm)---
Tuesday---Canned Food Drive Assembly---
Wednesday---
Thursday---
Friday---Student of the Month---

Week 10 (November 3-7)

Monday---
Tuesday---
Wednesday---Late Start---
Thursday---End of First Quarter---
Friday---No School-Grade Day

Week 11 (November 10-14)

Monday---Columbian Time
Tuesday---No School-Veteran's Day
Wednesday---
Thursday---
Friday---


Week 12 (November 17-21)

Monday---
Tuesday---Choir Assembly---
Wednesday---
Thursday---
Friday---


Week 13 (November 24-28)

Monday---Columbian Time
Tuesday---Student of the Month, Parent teacher conferences (4-8:00 pm)
Wednesday---No School-Morning Conferences (8:30am-12:00pm)
Thursday---Thanksgiving Weekend (no school)
Friday---Thanksgiving Weekend (no school)

Week 14 (December 1-5)

Monday---
Tuesday---
Wednesday---Late Start---
Thursday---
Friday---

Week 15 (December 8-12)

Monday---Columbian Time---
Tuesday---
Wednesday---
Thursday---
Friday---Progress Report 2---

Week 16 (December 15-19)

Monday---
Tuesday---
Wednesday---
Thursday---
Friday---Student of the Month---


Week 17 (January 5-9)

Monday---Welcome Back Assembly!---
Tuesday---
Wednesday---
Thursday---
Friday---


Week 18 (January 12-16)

Monday---Senior Ball Court Voting---
Tuesday---
Wednesday---
Thursday---Senior Ball Tapping---
Friday---Senior Ball king/queen voting---

Week 19 (January 19-23)

Monday---MLK Holiday-No School
Tuesday---
Wednesday---
Thursday---Semester 1 Grades Due!
Friday---Grade Day-No School

END OF SEMESTER

Week 20 (January 26-30)

Monday---Course Content/Goals, occupation sort in CIS
Tuesday---
Wednesday---

5 year plan (1-2 pages, double spaced, paragraph form)

*begin with where you are now (did you make good academic decisions in high school?)
*what do you want to do for a career? (where did this career show up in your sort? accurate?)
*have you taken classes in high school to help you prepare? why not?
*is this career planned out over time, or a "flash in the pan?"
*how did you realize you wanted to persue this career?
*what aspect of this career appeals to you?
*what does the career guide occupational description say?
*what is the size of this career? *what type of training/college do you need to enter this profession?
*where will you get this training?
*what other institutions in oregon offer training?
*what is the entry wage? Median wage? Size of the occupation?
*how will you pay for it?
*why will this career make you happy? Is it important to be happy at work?
*what kind of personal/relationship goals do you have? How does this job fit with those goals?
*does this career pay well? Is money important to you?
*if someone asked you about your job, would you be proud to tell them about it? Why?
*talk about where you want to live (include housing and geographic area). Why?
*talk about your job in 5 years and beyond. How might it change?

Thursday---First, finish your five year plan from yesterday. Next, find an article per instructions below:
Every other week (9 total for semester) we'll be working on an
article review for 50 points each
*generally, you'll have Thursday to work on it and we'll talk about them on Friday.
*if we have a guest speaker on Thursday, you'll have wednesday to research your article.
*I'll call on certain individuals and they'll give a brief description of their article.
*We'll discuss each topic to the extent the discussion remains productive.
*Part of the grade will be based upon participation.
*Please choose a topic that is of importance to you and impacts our area.
If you can't find and interesting article, please try the following:
magportal
moneycentral
ezinearticles
simplejoe
woopidoo
homerworks
cnn
Friday---Student of the Month---Finance in the News


Week 21 (February 2-6)

Monday---Finance in the News Discussions (finish articles first)
Tuesday---Forecasting PowerPoint *discuss tax tables.
tax tables
*progressive vs regressive taxes.
*pre-test T/F quiz.
*discuss federal tax income and outlays.
Wednesday---Fill out W-4, 1040EZ
Thursday---Electives Assembly---
*case study, 1040EZ and Oregon form 40S
Friday---Please do the word search and chris cross puzzle provided
*definitions are in that packet I gave you.
*HINT: the important words for the criss cross are the same ones as the word search!
*have fun!!!!

Week 22 (February 9-13)

Monday---Review for taxes test tomorrow (make sure you have federal and state booklets!):
First, use the following
W2 to complete first a federal, then a state tax form.
*you should have one form 40S in your state booklet and I'll give you a 1040EZ form.
Vocab to Know:
business taxes
credits
dependent
dividends
excise taxesfiling status
form W-4
form W-2
gross income
income taxes
interest income (and form number 1099INT)
payrll taxes
personal income tax
progressive tax
property taxes
proportional tax
public goods and services
regressive tax
sales tax
tariff duty
taxes
voluntary compliance
earned income
Important to remember:
I'll ask the address for a refund and tax to pay for both federal and state returns.
You should staple a copy of your W4 to both your fed and state tax returns.
You should provide a copy of your federal taxes with your state when you send them in.
You should keep a copy of both your federal and state tax forms and W2(s) on file.
Tuesday---SNOW DAY (NO SCHOOL!)--- Wednesday---Tax Test
Thursday--- Friday---
*Today we're joining in the virtual stock exchange for ourselves!
form (print and turn in) before you buy.
*It's going to spread your risk equally among 10 different stocks in at least 5 different industry clusters.
Stock Research

Week 23 (February 16-20)

Monday---Presiden't Day (no school)
Tuesday---Complete stock buying exercies
*don't forget to print off the buying form from Friday and turn in.
Wednesday---Video-Kramer talks stocks and the financial bailout
Thursday---
current event article due Friday
Friday---Mrs. Gibson will lead a discussion on your topics (1st half of period) and collect papers
*second half of period you may update or complete your stock portfolios.
Week 24 (February 23-27)

Monday---Handout-dot com bubble article
*read article and underline vocab while you fill in the vocab skeleton
Tuesday---Questions on reading
Wednesday---Video-dot com bubble
Thursday---Snow Day---
Friday---Student of the Month---
*today, we're working on
resumes!
Week 25 (March 2-6)

Monday---Columbian Time---
*finish resume and write 15 questions (WITH RESPONSES) an employer might ask you about the job you're going for. (30 POINTS)
*the first question should be..."tell me a little about yourself!"
*one question should be..."what is one of your weaknesses?"
The other 13 questions are your choice. Be sure and tell me what kind of a job you're going for.
*it should be a job you're qualified for right now!
Tuesday---Guest Speaker, Melody on Insurance
Wednesday---Late Start---Check grade and catch up day
Thursday---
Interactive Job Interview
*you must finish to get your points.
*set up your character carefully.
*work through the scenarios.

Friday---Progress Report 3---article summary number 3

Week 26 (March 9-13)

Monday---Begin Checking Account Simulation
Tuesday---Melanie Presents (banking)
Wednesday---Continue Checking Account Simulation
Thursday---Melanie Presents (banking part 2)
Friday---Continue Checking Account Simulation

Week 27 (March 16-20)

Monday---Columbian Time---Continue checking account simulation
Tuesday---guest speaker-saving and investing
Wednesday---last day to work on checking account simulations
Thursday---Parent/Teacher Conferences (4-8:00pm)---guest speaker-saving and investing
**TURN IN CHECKING ACCOUNT SIMULATIONS FOR FULL CREDIT!!
Friday---No School-Parent/Teacher Conferences (9:00am-12:00pm)

Week 28 (March 30-April 3)

Monday---
FROM HERE ON OUT, YOU'LL BE GETTING 10 POINTS PER DAY PARTICIPATION
*for a tardy, you'll miss 3 points
*if I catch you on a game before you're done with your assignment, you'll miss 5 points (twice you'll get a 0)
*I'll look at your overall productivity for the day when determining you grade.
*I'll enter your participation grade in at the end of each week.
Today, you're going to find a job, a house or apartment, and a car
*You're going to use this information to set up a
budget.
Tuesday---Student of the Month---
Finish Budget and print/hand in to basket
Wednesday---
CIS assignment on budgeting.
Username: Rainier
Password: RHS
Click on "reality check" under more resources on the right hand side.
Work through the activity.
When you're done with that, please list 25 things (on a word document) that families can do to budget dollars during this economic downturn.
Thursday---Video-Living on minimum wage
Friday---finish Living on minimum wage
video-conserving resources during a recession.

Week 29 (April 6-10)

Monday---Columbian Time---
Hand out texts.
Unit 1, your financial plan
What do you think, p.2
go over vocab:
financial planning
needs
wants
| goals (short, intermediate, and long-term)--do exercise 1B and 1C
goals should be s*m*a*r*t
Unit 2, Budgeting: Making the most of your money
Exercise 2A, p.16
go over vocab:
cash flow
income
federal income tax
state income tax
social security tax
medicare tax
gross income
net income
W-4
Expenses (fixed, variable, periodic)
PYF
Do exercise 2C, p.19
Tuesday---
Handout, chapter 2.
Video-budgeting
Wednesday---
Discussion and presentation on chapter 3, investing.
Thursday---3rd quarter grades due!---
Chapter 3 packet
Friday---Grade Day-No School

Week 30 (April 13-17)

Monday---
article review on credit cards
Tuesday---
Guest speaker-credit
Wednesday---
Handout-chapter 3 (Mr. Meyer will provide you a copy)
Thursday---
Guest speaker-credit
Friday---
Please write a detailed 2-page (double-spaced) paper detailing what you've learned from the guest speakers in the following areas: banking, insurance, credit, and saving/investing. The two guest speakers were Melanie and Daniel Dunham. Please reference them in your paper. You have to write this if you want to be eligible for the drawing for the $100 savings bond! Plus, I'm taking it for points!
Week 31 (April 20-24)

Monday---Columbian Time---
Tomorrow we will be having a quiz on chapters 1, 2, and 3 from your workbook.
You may use a notecard, front back. It must be hand written....nothing computer generated.
Know the following material....
financial planning (define and know 5 steps)
needs
wants
goal (short-term, intermediate-term, long-term)
SMART goals (know what each letter stands for)
cash flow
opportunity cost
satellite decisions
budget/spending plan
income
expenses (fixed, variable, periodic)
federal income tax
state income tax
social security tax
medicare tax
gross income
net income
form W-4
PYF
List 5 documents you should keep and organize
Saving
Investing
time value of money
earned interest
compound interest
Simple interest formula (be able to do problem)
Compound interest formula (be able to do problem)
Rule of 72 (inow it well)
Financial planning pyramid
dividends
capital gains
capital gain vs capital loss
rate of return
savings accounts
US Savings Bonds
CD's
Money Market Deposit Accounts
Money Market Mutual Funds
Corporate and Government Bonds
yield
stocks
real estate
collectibles
mutual funds
diversification
dollar cost averaging

Tuesday---Prom Court Voting---
Quiz
*you may only use the cheat sheet on your original note card
*please staple your note card to the front of your test for 10 points
*no other windows open during the test.
Wednesday---
Presentation-Credit+video
Thursday---Video credit and gambling abuse/discussion
Prom Court Tapping
Friday---Begin chapter 4 packet

Week 32 (April 27-May 1)

Monday---finish and hand in chapter 4 packet/catch-up day as necessary
Tuesday---Intro/discussion to chapter 5
Wednesday---Prom King/Queen Voting---
chapter 5 packet
Thursday---Student of the Month---
Introduction to
scams/assign scams for project

Frauds and Swindles Presentations


*students may work in groups of 2 or as individuals
*we'll draw for scams in order to be fair (yes, the fruit picker!).
*presentations will include a paper, a PowerPoint presentation, and a short speech.

Item Points
Paper 50
PowerPoint 75
Speech 25
*PowerPoint presentations should consist of at least the following:
1. Intro slide with name of scam (pics)
2. Description slide (how the scam works) with pics
3. Why it works (pics)
4. Types of people they target.
5. Ways in which you can avoid falling into the scam.
6. Real world example of victim and criminal.
7. Scams this might be related to and why?
8. What to do if you find yourself tricked by the scam.
9. People who might be more likely to fall prey to the scam.
10. Conclusion

Friday---
Work on research and doing your powerpoint. You should have 10 slidews as appear in yesterdays description

Week 33 (May 4-8)

Monday---Columbian Time---
Work on PowerPoint
*The powerpoint presentations will start on Wednesday.
Paper (1-2 pages, double spaced, 12-point font) due Friday!:
Paragraph 1-what the scam is (include a clever, mind-blowing introduction), description of scam, why it works, and how you can recognize it.
Paragraph 2-types of people targeted (include real victims if possible), why that population is
targeted, ways you can avoid falling into the scam, and related scams.
Paragraph 3-what to do if you fall prey and who you might contact to fix the situation.
Paragraph 4-conclusion
Tuesday---
Work on PowerPoint
Wednesday---
Begin Presentations
Thursday---
Continue Presentations
Friday---Progress Report 4---
Continue Presentations
*PAPER DUE!

Week 34 (May 11-15)

Monday---Finish presentations
Tuesday---lecture/discussion chapter 6--Insurance
Wednesday---Chapter 6 worksheet and more information on insurance
Thursday---Video-scams
Friday---Choir Idol Round 1---

Week 35 (May 18-22)

Monday---Spring Fling Kick-off Assembly---
Study Guide
Tuesday---Choir Idol Round 2---finish study guide and do note card for test
Wednesday---quiz
Thursday---Choir Idol Finals---
product placement article
Friday---
Video-product placement

Week 36 (May 25-29)

Monday---Memorial Day (no school)
Tuesday---
Grocery Store Layout
You are to create your own grocery store using gliffy
Wednesday---Work on your grocery store
Thursday---Student of the Month---finish grocery store
Friday---Senior's Last Day! Congratulations!!!---present grocery store

Week 37 (June 1-5)

Monday---Video-worker motivation
Tuesday---finish video
Wednesday---Toondoo cartoons for finance education public awareness...

Topics:


  1. Scams (pick one)
  2. Importance of saving
  3. Spending responsibly (budget)
  4. Keeping money safe
  5. Credit
  6. Insurance
  7. Choosing a career
  8. Job interview
  9. *toondoos 1-2
    Thursday---
    *toondoos 3-4 Friday---

    Week 38 (June 8-12)

    Monday---
    *toondoos 5-6 Tuesday---
    *toondoos 7-8 Wednesday---
    *present toondoos to class in your book.
    Thursday---
    Friday---

    Week 39 (June 15-16)

    Monday---
    Tuesday---1/2 day---Last day for students....congratulations!