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------------------------------------------------- Course Syllabus FP/101
Foundations of Personal Finance

Course Start Date: 08/13/12 Course End Date: 10/14/12

Please print a copy of this syllabus for handy reference.

Whenever there is a question about what assignments are due, please remember this syllabus is considered the ruling document.

Copyright

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

University of Phoenix© is a registered trademark of Apollo Group, Inc. in the United States and/or other countries.

Microsoft©, Windows©, and Windows NT© are registered trademarks of Microsoft Corporation in the United States and/or other countries. All other company and product names are trademarks or registered trademarks of their respective companies. Use of these marks is not intended to imply endorsement, sponsorship, or affiliation.

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

Facilitator Information
Carol Ward, MBA, DBA cward123@email.phoenix.edu (University of Phoenix) ciward123@yahoo.com (Personal)
(901) 270-9434 (Central Standard Time)
Facilitator Availability

Dr. Ward is available from 9 a.m.-9 p.m. Central Time on most days, but I attempt to reserve Sunday for my family. During the week, I am online most of the time during that 9 a.m.-9 p.m. time frame.

On Saturdays, I tend to be online in the afternoon and evening. If these times are not convenient for you, please let me know. I will be happy to accommodate your schedule, if possible. I will provide you with these times to make it easier to communicate with me, and not to limit our contact.

I want you to know that, should you need to contact me outside these time frames, you should not hesitate to do so.
For emergencies, when you are not able to gain access to messages on the Online Learning System (OLS), please send a message to my personal email address. In the event a third party needs to contact me, please direct them to my contact information listed under "facilitator information." No third party should use your login credentials to gain access to the classroom.

Facilitator Bio

I am Dr. Carol Ward, after graduating from Mississippi Valley State College, I moved to Memphis, Tennessee. I have absolutely enjoyed living in Memphis known as the “Home of the Blues.” Highlighting Memphis heavily featured celebrities such as B. B. King and Elvis Presley. The sports arena includes the Redbird Baseball, and the Grizzles basketball teams. I am employed with the City of Memphis in the Division of Finance as the coordinator for Debt and Investments. My educational background consists of a Bachelor of Arts degree in Business Administration/Accounting, an Associates of Applied Science degree in Business Computer Data Process, Masters of Business Administration, and Doctor of Business Administration. I am married to a wonderful man who supports my efforts of advances studies. We worship together every Sunday where I am the leader of a Girl’s Ministry. The Girl’s Ministry ranges from 8 -18 years of age; during the course of the year, some of our activities have included tours to various college campuses, sponsored financial investment seminars, Broadway Productions, book club, and offered workshops to improve self-esteem. I am a lifetime residence of the South and take pleasure in news documents, aerobics, singing, and helping others. The faculty position offers a different approach for me to share my knowledge and experience, thereby continuing to help someone else strive for excellence.

I am posting my biography in a separate note to our Chat Room forum. After you have read my bio, please post a bio about yourself—I look forward to getting to know you!

Words of Welcome
Welcome to FP/101, Foundations of Personal Finance. I congratulate you on your decision to complete your Associate’s degree. I will do everything I can to ensure the next 9 weeks will be a stimulating learning experience for all of us. If you ever have questions or need additional guidance, please feel free to contact me. Together, I trust we will have a challenging and rewarding class experience.
Where to Go to Class

Main: This is the main forum for the class and is where discussion is conducted. It has read-and-write access for everyone.

Chat-Room: This is a read-and-write access forum. It is designed as a place to discuss issues not related to the course content. This is the forum to which we will send our bios.

Course-Materials: This is a read-only forum, which means you can read messages here but cannot send any. This is where I will post the course syllabus and materials.

Individual Forum: You will see one forum with your name on it. This is a private forum, shared only by you and me, the facilitator. Your classmates will not have access to this forum. You can ask questions here. However, if you have general questions about instructions of assignments, please post those in the Main forum, since other students may benefit by that exchange as well.
Where to Submit Your Assignments

Assignment Section: This is where you will submit all formal assignments. Navigate to the Assignments link on eCampus. Locate the link to submit your assignment as an attachment.
Policies

For class policies, please see the "Policies" link on the left side of the Materials page for the course on eCampus. Faculty and students/learners will be held responsible for understanding and adhering to all policies contained within that link. University policies are subject to change so please be sure to read them at the beginning of each class as it may have changed since your last class. Policies may be slightly different depending on the modality in which you attend class. If you have recently changed modalities it is important you read the policies governing your current class modality.
Participation Policy Clarification

Participation online is very important. As stated in the Policies link on the eCampus page, you are expected to participate 4 days a week in several different discussions and to contribute at least two substantive comments in the Main forum 4 of 7 days each week. This participation is a required part of your grade. Participation consists of notes you send above and beyond graded assignments, which generally means the messages you send as replies to messages from your classmates and me.

Please note that both quantity and quality are important considerations when it comes to participation. A message that says simply, "I agree," for example, would not constitute participation because it does not add anything of substance to the discussion.

In order to earn full participation points, you must add something of substance to the discussion 4 out of 7 days per week—adding something of substance would consist of new ideas, your perspectives, pointed follow-up questions, responses to discussion questions, etc. You will find it is much easier to keep up with an online class if you are logging in and participating regularly. In addition, you must also respond to at least three discussion questions in order to earn full participation points.

Expectations for Discussion Question Responses

Discussion question responses should be at least 150 to 300 words. For discussion question responses in the Main forum, please post responses to the threads provided. To respond, highlight the appropriate thread, click on Reply, type your response, and post message. Please do not start a new thread for the weekly discussion questions in the Main forum.

Unlike your formal written assignments, I do not require that your discussion question responses adhere to specific formatting requirements. However, please make sure to proofread carefully. I will evaluate your grammar, spelling, and punctuation.

I expect your discussion question responses to reflect critical thought. Whenever possible, please try to relate the course content to real-world applications from your work experience.

Course Materials

The assignment materials and syllabus may vary from those posted on your Materials page for this course. When in doubt, always refer back to this Course Syllabus for exact assignments and instructions. All assignments and additional reading assignments will be posted in the Course Materials forum. You will still need to refer to your Materials page on eCampus to access to the required reading assignments.

Technical Support

Technical Support is available 24 hours a day, 365 days a year. Call 1-877-832-4867, or use the e-mail support form. Answers to the most common issues are found in the Knowledge Base by clicking Help, found at the top of every student Web site.
Feedback

Each week, I will provide grades or scores and comments on your assignments.
Grading Formula Points | Grade | 95+ | A | 90-94 | A- | 87-89 | B+ | 84-86 | B | 80-83 | B- | 77-79 | C+ | 74-76 | C | 70-73 | C- | 67-69 | D+ | 64-66 | D | 60-63 | D- | <59 | F |
Course Overview

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.

Topics and Objectives
Week One: Personal Financial Planning * List the five steps in the personal financial planning process. * Summarize what influences personal financial planning. * Identify parts of a financial plan. Week Two: Money Management * Describe how to organize and prepare personal financial statements. * Identify cash management products and services. * Complete a personal cash flow statement. Week Three: Consumer Credit * List types of consumer credit. * Identify the five C’s of credit. Week Four: Credit Protection and Repair * Recognize the advantages and disadvantages of credit cards. * Summarize how to protect and correct credit. Week Five: Avoiding and Managing Debt * 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. Week Six: Major Financial Assets * Explain interest rates. * Outline the decision process for buying a car or house. * Summarize the steps in buying a home. Week Seven: Insurance * Summarize the functions of insurance. * List characteristics of auto, home, health, disability, and life insurance. * Describe the importance of wills. Week Eight: Tax Management * Explain taxable income and taxes owed. * Summarize ways to save money on federal taxes. * List steps to file a federal tax return. Week Nine: Investment and Long-Term Planning * Summarize the investment planning process. * Explain retirement income needs. * List sources of retirement income.
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 your student website.

Point Values for Course Assignments ASSIGNMENTS | Points | Individual (100%) | | Personal Financial Planning Worksheet (Week 1) | 5 | Understanding Effective Money (Week 2) | 5 | The Five C’s Worksheet (Week 3) | 8 | Midterm Exam (Week 4) | 10 | Exploring Strategies for Avoiding & Managing Debt (Week 5) | 5 | Major Financial Assets (Week 6) | 5 | Insurance Matrix (Week 7) | 10 | Effective Tax Management (Week 8) | 5 | Final Exam (Week 9) | 20 | Participation/Discussion Questions (3 points per week) | 27 | Total | 100 |

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.

All electronic materials are available on the student website.

Week One: Personal Financial Planning | | Details | Due | Points | Objectives | 1.1 List the five steps in the personal financial planning process. 1.2 Summarize what influences personal financial planning. 1.3 Identify parts of a financial plan. | | | Course Preparation | Read the course description and objectives.Read the instructor’s biography and post your own. | | | Reading | Read Ch. 1 of Personal Finance. | | | Reading | Read Appendix A. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Video | Watch the video, Decision to Own a Home vs. Rent, located at the following link: https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html | | | Individual Personal Financial Planning Worksheet | Resource: Appendix BComplete the Personal Financial Planning Worksheet located in Appendix B. Be sure to answer all questions completely.Post your Personal Financial Planning Worksheet as a Microsoft® Word attachment. | 8/19/12 | 5 |

Week Two: Money Management | | Details | Due | Points | Objectives | 1 2.4 Describe how to organize and prepare personal financial statements. 2.5 Identify cash management products and services. 2.6 Complete a personal cash flow statement. | | | Reading | Read Ch. 2 of Personal Finance. | | | Reading | Read Ch. 4 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Home Budget Calculator | Watch the tutorial, Home Budget Calculator, located at the following link: http://wps.pearsoncustom.com/wps/media/objects/7557/7738468/fin-calcs/HomeBudget.html Feedback Question: How are your organization skills working for you? What is working? What challenges remain? | | | Individual Toolwire® Learnscape: Understanding Effective Money Management | Resource: Toolwire® Learnscape: Understanding Effective Money ManagementUse the following instructions to complete the assignment: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. | 08/26/12 | 5 |
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Week Three: Consumer Credit | | Details | Due | Points | Objectives | 2 3.7 List types of consumer credit. 3.8 Identify the five C’s of credit. | | | Reading | Read pp. 107–115 in Ch. 5 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Five C’s Web Page | Review the Five C’s web page located at the following link: http://www.loanuniverse.com/credit.html.Feedback Question: What are the biggest stressors about being an Axia student? | | | Individual The Five C’s Worksheet | Resource: Appendix CComplete the Five C’s Worksheet located in Appendix C. 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. | 09/02/12 | 8 |
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Week Four: Credit Protection and Repair | | Details | Due | Points | Objectives | 3 4.9 Recognize the advantages and disadvantages of credit cards. 4.10 Summarize how to protect and correct credit. | | | Reading | Read pp. 115–133 in Ch. 5 of Personal Finance. | | | Reading | Read this week’s Electronic Reserve Readings. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Annual Credit Report Website | Resource: Annual Credit Report website: www.annualcreditreport.comExplore the Frequently Asked Questions section to learn about credit reporting, credit improvement, information correction, identity theft, and other topicsFeedback 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 Midterm Exam | Complete the Midterm Exam located under Assessments on your student website. You may complete the exam only once. Your instructor will receive a separate copy of your quiz results in your 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. | 09/09/12 | 10 |
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Week Five: Avoiding and Managing Debt | | Details | Due | Points | Objectives | 4 5.11 List good practices for managing debt. 5.12 Recognize signs of credit trouble. 5.13 Identify parts of a credit report. 5.14 Recognize student loan options and implications for the future. | | | Reading | Read Ch. 6 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Fair Credit | Resource: The Fair Credit Report Agency and Avoiding Scams sections located at the following link: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm.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 Toolwire® Learnscape: Exploring Strategies for Avoiding and Managing Debt | Resource: Toolwire® Learnscape: Exploring Strategies for Avoiding and Managing DebtUse the following instructions to complete the assignment: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. | 09/16/12 | 5 |
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Week Six: Major Financial Assets | | Details | Due | Points | Objectives | 5 6.15 Explain interest rates. 6.16 Outline the decision process for buying a car or house. 6.17 Summarize the steps in buying a home. | | | Reading | Read Ch. 7 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Purchase Versus Lease Decision | Resource: Purchase versus Lease Decision located at the following link: http://wps.prenhall.com/wps/media/objects/6969/7137133/fin-calcs/BuyvsLease.htmlFeedback Question: Have you been using the Center for Writing Excellence? How has 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 Toolwire® Learnscape: Considerations Surrounding Major Financial Assets | Resource: Toolwire® Learnscape: Considerations Surrounding Major Financial AssetsUse the following instructions to complete the assignment: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. | 09/23/12 | 5 |
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Week Seven: Insurance | | Details | Due | Points | Objectives | 6 7.18 Summarize the functions of insurance. 7.19 List characteristics of auto, home, health, disability, and life insurance. 7.20 Describe the importance of wills. | | | Reading | Read Ch. 8 of Personal Finance. | | | Reading | Read pp.225–240 in Ch. 9 of Personal Finance. | | | Reading | Read pp.248–260 in Ch. 10 of Personal Finance. | | | Reading | Read pp. 408–417 in Ch. 15 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Reasons for Having a Will | Resource: Reasons for Having a Will located at the following link: https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html Feedback Question: What kinds of questions do you have remaining about plagiarism and how to avoid it? | | | Individual Insurance Matrix | Resource: Appendix EComplete the Insurance Matrix in Appendix E.Post the completed Insurance Matrix as a Microsoft® Word attachment. | 09/30/12 | 10 |
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Week Eight: Tax Management | | Details | Due | Points | Objectives | 7 8.21 Explain taxable income and taxes owed. 8.22 Summarize ways to save money on federal taxes. 8.23 List steps to file a federal tax return. | | | Reading | Read Ch. 3 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Focus on Ethics: Reducing Your Taxes | Resource: Focus on Ethics: Reducing Your Taxes located at the following link: https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html.Feedback Question: How does your understanding of academic credibility apply to your work in this course? | | | Individual Toolwire® Learnscape: Effective Tax Management | Resource: Toolwire® Learnscape: Effective Tax ManagementUse the following instructions to complete the assignment: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. | 10/07/12 | 5 |
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Week Nine: Investment and Long-Term Planning | | Details | Due | Points | Objectives | 8 9.24 Summarize the investment planning process. 9.25 Explain retirement income needs. 9.26 List sources of retirement income. | | | Reading | Read Ch. 11 of Personal Finance. | | | Reading | Read Ch. 14 of Personal Finance. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation How Retirement Planning Fits Within Your Financial Plan | Resource: How Retirement Planning Fits Within Your Financial Plan video located at the following link: https://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html Feedback Question: What are you doing to ensure that you remain an ethical and honest student? | | | Individual Final Exam | Complete the Final Exam located under Assessments on your student website. You may complete the exam only once. Your instructor will receive a separate copy of your quiz results in your 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 | 10/14/12 | 20 |

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