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Foundations of Personal

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|[pic] |Course Syllabus |
| |Axia College/College of Humanities |
| |FP/101 Version 4 |
| |Foundations of Personal Finance |

Copyright © 2011, 2010, 2009 by University of Phoenix. All rights reserved.

Course Description

This course provides an overview of the elements necessary for effective personal financial planning and the opportunity to apply the techniques and strategies essential to this understanding. Primary areas of study include creating and managing a personal budget, understanding and paying taxes, working with financial institutions, wise use of credit cards and consumer loans, financing automobiles and homes, and the use of insurance for protecting one’s family and property.

Policies

Faculty and students/learners will be held responsible for understanding and adhering to all policies contained within the following two documents:

• University policies: You must be logged into the student website to view this document. • Instructor policies: This document is posted in the Course Materials forum.

University policies are subject to change. Be sure to read the policies at the beginning of each class. Policies may be slightly different depending on the modality in which you attend class. If you have recently changed modalities, read the policies governing your current class modality.

Course Materials

Bajtelsmit, V. L. & Rastelli, L. G. (2008). Personal finance: Managing your money and building wealth. Hoboken, NJ: Wiley.

All electronic materials are available on the student website.

|Week One: Personal Financial Planning |
| |Details |Due |Points |
|Objectives |List the five steps in the personal financial planning process. | | |
| |Summarize what influences personal financial planning. | | |
| |Identify parts of a financial plan. | | |
|Course Preparation |Read the course description and objectives. |Week 1 | |
| |Read the instructor’s biography and post your own. |Day 7 | |
|Reading |Read Ch. 1 of Personal Finance. |Week 1 | |
| | |Day 7 | |
|Reading |Read Appendix A. |Week 1 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 1 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 1 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Watch the video, Decision to Own a Home vs. Rent, located at the following link: |Week 1 | |
|Preparation |https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html |Day 7 | |
|Video | | | |
|Individual |Resource: Appendix B |Week 1 |5 |
|Personal Financial Planning |Complete the Personal Financial Planning Worksheet located in Appendix B. |Day 7 | |
|Worksheet |Be sure to answer all questions completely. | | |
| |Post your Personal Financial Planning Worksheet as a Microsoft® Word attachment. | | |

|Week Two: Money Management |
| |Details |Due |Points |
|Objectives | | | |
| |Describe how to organize and prepare personal financial statements. | | |
| |Identify cash management products and services. | | |
| |Complete a personal cash flow statement. | | |
|Reading |Read Ch. 2 of Personal Finance. |Week 2 | |
| | |Day 7 | |
|Reading |Read Ch. 4 of Personal Finance. |Week 2 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 2 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 2 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Watch the tutorial, Home Budget Calculator, located at the following link: |Week 2 | |
|Preparation |http://wps.pearsoncustom.com/wps/media/objects/7557/7738468/fin-calcs/HomeBudget.html |Day 7 | |
|Home Budget Calculator | | | |
| |Feedback Question: How are your organization skills working for you? What is working? What | | |
| |challenges remain? | | |
|Individual |Resource: Toolwire® Learnscape: Understanding Effective Money Management |Week 2 |5 |
|Toolwire® Learnscape: |Use the following instructions to complete the assignment: |Day 7 | |
|Understanding Effective Money | | | |
|Management |Log in to your Student Web page. | | |
| | | | |
| |Click on the link to the Toolwire® Learnscape: Understanding Effective Money Management. A | | |
| |new window will open containing a description of the Learnscape. | | |
| |Complete the Learnscape Activities. | | |
| | | | |
| |Complete the Toolwire® Learnscape Assessment. | | |

|Week Three: Consumer Credit |
| |Details |Due |Points |
|Objectives | | | |
| |List types of consumer credit. | | |
| |Identify the five C’s of credit. | | |
|Reading |Read pp. 107–115 in Ch. 5 of Personal Finance. |Week 3 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 3 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 3 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Review the Five C’s web page located at the following link: |Week 3 | |
|Preparation |http://www.loanuniverse.com/credit.html. |Day 7 | |
|Five C’s Web Page | | | |
| |Feedback Question: What are the biggest stressors about being an Axia student? | | |
|Individual |Resource: Appendix E |Week 3 |8 |
|The Five C’s Worksheet |Complete the Five C’s Worksheet located in Appendix E. |Day 7 | |
| |Identify which of the five C’s corresponds to each description in the table. | | |
| |Post your Five C’s Worksheet as a Microsoft® Word attachment. | | |

|Week Four: Credit Protection and Repair |
| |Details |Due |Points |
|Objectives | | | |
| |Recognize the advantages and disadvantages of credit cards. | | |
| |Summarize how to protect and correct credit. | | |
|Reading |Read pp. 115–133 in Ch. 5 of Personal Finance. |Week 4 | |
| | |Day 7 | |
|Reading |Read this week’s Electronic Reserve Readings. |Week 4 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 4 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 4 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Resource: Annual Credit Report website: www.annualcreditreport.com |Week 4 | |
|Preparation |Explore the Frequently Asked Questions section to learn about credit reporting, credit |Day 7 | |
|Annual Credit Report Website |improvement, information correction, identity theft, and other topics | | |
| | | | |
| |Feedback Question: Which university resources have you been using to help you be a more | | |
| |effective student? How might those resources help you be more effective in this course? | | |
|Individual |Complete the Midterm Exam located under Assessments on your student website. You may complete|Week 4 |10 |
|Midterm Exam |the exam only once. Your instructor will receive a separate copy of your quiz results in your|Day 7 | |
| |Individual forum. | | |
| | | | |
| |If you experience technical difficulty with the exam, please call Technical Support. | | |
| |Technical Support can be reached at 1-866-334-7332 and is available 24 hours a day, 7 days a | | |
| |week. | | |

|Week Five: Avoiding and Managing Debt |
| |Details |Due |Points |
|Objectives | | | |
| |List good practices for managing debt. | | |
| |Recognize signs of credit trouble. | | |
| |Identify parts of a credit report. | | |
| |Recognize student loan options and implications for the future. | | |
|Reading |Read Ch. 6 of Personal Finance. |Week 5 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 5 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 5 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Resource: The Fair Credit Report Agency and Avoiding Scams sections located at the following |Week 5 | |
|Preparation |link: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm. |Day 7 | |
|Fair Credit | | | |
| |Feedback Question: How are your stress management strategies holding up for you? Is the | | |
| |stress you are experiencing what you expected it to be? What did you not expect? How are you | | |
| |handling those stressors? What stress management techniques have you found to be particularly| | |
| |useful for yourself? | | |
|Individual |Resource: Toolwire® Learnscape: Exploring Strategies for Avoiding and Managing Debt |Week 5 Day 7 |5 |
|Toolwire® Learnscape: |Use the following instructions to complete the assignment: | | |
|Exploring Strategies for | | | |
|Avoiding and Managing Debt |Log in to your student web page. | | |
| | | | |
| |Click on the link to the Toolwire® Learnscape: Exploring Strategies for Avoiding and Managing| | |
| |Debt. A new window will open containing a description of the Learnscape. | | |
| | | | |
| |Complete the Learnscape Activities. | | |
| | | | |
| |Complete the Toolwire® Learnscape Assessment. | | |

|Week Six: Major Financial Assets |
| |Details |Due |Points |
|Objectives | | | |
| |Explain interest rates. | | |
| |Outline the decision process for buying a car or house. | | |
| |Summarize the steps in buying a home. | | |
|Reading |Read Ch. 7 of Personal Finance. |Week 6 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 6 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 6 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Resource: Purchase versus Lease Decision located at the following link: |Week 6 | |
|Preparation |http://wps.prenhall.com/wps/media/objects/6969/7137133/fin-calcs/BuyvsLease.html |Day 7 | |
|Purchase Versus Lease Decision| | | |
| |Feedback Question: Have you been using the Center for Writing Excellence? How as that worked | | |
| |for you? How might that help you in this course? What challenges have you found when using | | |
| |the Center for Writing Excellence? | | |
|Individual |Resource: Toolwire® Learnscape: Considerations Surrounding Major Financial Assets |Week 6 Day 7 |5 |
|Toolwire® Learnscape: |Use the following instructions to complete the assignment: | | |
|Considerations Surrounding | | | |
|Major Financial Assets |Log in to your student web page. | | |
| |Click on the link to the Toolwire® Learnscape: Considerations Surrounding Major Financial | | |
| |Assets. | | |
| |A new window will open containing a description of the Learnscape. | | |
| |Complete the Learnscape Activities. | | |
| | | | |
| |Complete the Toolwire® Learnscape Assessment. | | |

|Week Seven: Insurance |
| |Details |Due |Points |
|Objectives | | | |
| |Summarize the functions of insurance. | | |
| |List characteristics of auto, home, health, disability, and life insurance. | | |
| |Describe the importance of wills. | | |
|Reading |Read Ch. 8 of Personal Finance. |Week 7 | |
| | |Day 7 | |
|Reading |Read pp.225–240 in Ch. 9 of Personal Finance. |Week 7 | |
| | |Day 7 | |
|Reading |Read pp.248–260 in Ch. 10 of Personal Finance. |Week 7 | |
| | |Day 7 | |
|Reading |Read pp. 408–417 in Ch. 15 of Personal Finance. |Week 7 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 7 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 7 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Resource: Reasons for Having a Will located at the following link: |Week 7 | |
|Preparation |https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html |Day 7 | |
|Reasons for Having a Will | | | |
| |Feedback Question: What kinds of questions do you have remaining about plagiarism and how to | | |
| |avoid it? | | |
|Individual |Resource: Appendix F |Week 7 Day 7 |10 |
|Insurance Matrix |Complete the Insurance Matrix in Appendix F. | | |
| |Post the completed Insurance Matrix as a Microsoft® Word attachment. | | |

|Week Eight: Tax Management |
| |Details |Due |Points |
|Objectives | | | |
| |Explain taxable income and taxes owed. | | |
| |Summarize ways to save money on federal taxes. | | |
| |List steps to file a federal tax return. | | |
|Reading |Read Ch. 3 of Personal Finance. |Week 8 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 8 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 8 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Resource: Focus on Ethics: Reducing Your Taxes located at the following link: |Week 8 | |
|Preparation |https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html. |Day 7 | |
|Focus on Ethics: Reducing Your| | | |
|Taxes |Feedback Question: How does your understanding of academic credibility apply to your work in | | |
| |this course? | | |
|Individual |Resource: Toolwire® Learnscape: Effective Tax Management |Week 8 |5 |
|Toolwire® Learnscape: |Use the following instructions to complete the assignment: |Day 7 | |
|Effective Tax Management | | | |
| |Log in to your student web page. | | |
| | | | |
| |Click on the link to the Toolwire® Learnscape: Effective Tax Management. A new window will | | |
| |open containing a description of the Learnscape. | | |
| | | | |
| |Complete the Learnscape Activities. | | |
| | | | |
| |Complete the Toolwire® Learnscape Assessment. | | |

|Week Nine: Investment and Long-Term Planning |
| |Details |Due |Points |
|Objectives | | | |
| |Summarize the investment planning process. | | |
| |Explain retirement income needs. | | |
| |List sources of retirement income. | | |
|Reading |Read Ch. 11 of Personal Finance. |Week 9 | |
| | |Day 7 | |
|Reading |Read Ch. 14 of Personal Finance. |Week 9 | |
| | |Day 7 | |
|Participation |Participate in class discussion. |Week 9 |1.5 |
| | |Ongoing | |
|Discussion Questions |Respond to weekly discussion questions. |Week 9 |1.5 |
| | |Ongoing | |
|Nongraded Activities and |Resource: How Retirement Planning Fits Within Your Financial Plan video located at the |Week 9 | |
|Preparation |following link: https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html |Day 7 | |
|How Retirement Planning Fits | | | |
|Within Your Financial Plan |Feedback Question: What are you doing to ensure that you remain an ethical and honest | | |
| |student? | | |
|Individual |Complete the Final Exam located under Assessments on your student website. You may complete |Week 9 |20 |
|Final Exam |the exam only once. Your instructor will receive a separate copy of your quiz results in your|Day 7 | |
| |Individual forum. | | |
| | | | |
| |If you experience technical difficulty with the exam, please call Technical Support. | | |
| |Technical Support can be reached at 1-866-334-7332 and is available 24 hours a day, 7 days a | | |
| |week | | |

Copyright

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Edited in accordance with University of Phoenix® editorial standards and practices.

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