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FP/101 FOUNDATIONS OF PERSONAL FINANCE
Start Date: 04/23/2012
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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.
WEEK 1 - TOPIC 1: PERSONAL FINANCIAL PLANNING
Objectives
List the five steps in the personal financial planning process.

Summarize what influences personal financial planning.

Identify parts of a financial plan.

Materials
READING: Read Ch. 1 of Personal finance - Personal Financial Planning in Action: Developing a Personal Financial Plan.
SUPPLEMENT: Appendix A: How to Install Quick Time Movie Player
SUPPLEMENT: Appendix B: Personal Financial Planning Worksheet
WEB LINK: Decision to Own a Home vs. Rent Video
SUPPLEMENT: Video Transcript - Decision to Own a Home vs. Rent
Assessment
Please see instructor's syllabus for details on assignments.

Participation/Discussion Questions
WEEK 2 - TOPIC 1: MONEY MANAGEMENT
Objectives
Describe how to organize and prepare personal financial statements.

Identify cash management products and services.

Complete a personal cash flow statement.

Materials
READING: Read Ch. 2 of Personal finance - Money Management Strategy and Skills: Putting Your Financial House in Order.
READING: Read Ch. 4 of Personal finance - Managing Your Cash and Savings: Cash Management Strategies.
WEB LINK: Toolwire® Student Resources Page
TOOLWIRE:
Toolwire® Learnscape: Understanding Effective Money Management

SUPPLEMENT: Mary's Balance Sheet
WEB LINK: Home Budget Calculator
SUPPLEMENT: Appendix D: How to Capture a Screen Shot
Assessment
Please see instructor's syllabus for details on assignments.

Participation/Discussion Questions
WEEK 3 - TOPIC 1: CONSUMER CREDIT
Objectives
List types of consumer credit.

Identify the five C’s of credit.

Materials
READING: Read the Introduction, What is Consumer Credit, Types of Consumer Credit, and Applying for Credit sections in Ch. 5 of Personal finance.
SUPPLEMENT: Appendix C: The Five C’s Worksheet
WEB LINK: The Five C's Web page
Assessment
Please see instructor's syllabus for details on assignments.

Participation/Discussion Questions
WEEK 4 - TOPIC 1: CREDIT PROTECTION AND REPAIR
Objectives
Recognize the advantages and disadvantages of credit cards.

Summarize how to protect and correct credit.

Materials
READING: Read the Protecting Your Credit and Correcting Credit Mistakes, Credit Cards, Advantages and Disadvantages of Credit Card Use, Summary, and Key Terms sections in Ch. 5 of Personal finance.
WEB LINK: Federal Trade Commission
WEB LINK: Bankrate.com - Payment calculator
WEB LINK: Annual Credit Report Web site
ARTICLE: Electronic Reserve Readings
Assessment
QUIZ: Midterm Exam
QUIZ RESULTS: Midterm Exam Results
Participation/Discussion Questions
WEEK 5 - TOPIC 1: AVOIDING AND MANAGING DEBT
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.

Materials
READING: Read Ch. 6 of Personal finance - Using Consumer Loans: The Wise Use of Debt.
WEB LINK: The Fair Credit Report Agency and Avoiding Scams
WEB LINK: Annual Credit Report
TOOLWIRE: Toolwire® Learnscape: Exploring Strategies for Avoiding and Managing Debt
WEB LINK: Student Loans
SUPPLEMENT: Video Transcript - Student Loans
Assessment
Please see instructor's syllabus for details on assignments.
Participation/Discussion Questions
WEEK 6 - TOPIC 1: MAJOR FINANCIAL ASSETS
Objectives
Explain interest rates.

Outline the decision process for buying a car or house.

Summarize the steps in buying a home.

Materials
READING: Read Ch. 7 of Personal finance - Making Automobile and Housing Decisions: Buying a Car or a House.
WEB LINK: Purchase versus Lease Decision
SUPPLEMENT: Video Transcript - Purchase versus Lease Decision
TOOLWIRE: Toolwire® Learnscape: Considerations Surrounding Major Financial Assets
WEB LINK: Auto Calculator Web site
Assessment
Please see instructor's syllabus for details on assignments.
Participation/Discussion Questions
WEEK 7 - TOPIC 1: INSURANCE
Objectives
Summarize the functions of insurance.

List characteristics of auto, home, health, disability, and life insurance.

Describe the importance of wills.

Materials
READING: Read Ch. 8 of Personal finance - Insuring Your Home and Automobile: Managing Risk.
READING: Read the Types of Health Insurance, Planning for Disability Income Needs, and Summary sections in Ch. 9 of Personal finance.
READING: Read the Introduction, What is Life Insurance, Determining Your Life Insurance Needs, and Choosing Life Insurance Companies and Policies sections in Ch.10 of Personal finance.
READING: Read the Key Components of a State Plan and Types and Formats of Wills sections in Ch.15 of Personal finance.
SUPPLEMENT: Appendix E: Insurance Matrix
WEB LINK: Reasons for Having a Will
SUPPLEMENT: Video Transcript - Reasons for Having a Will
Assessment
Please see instructor's syllabus for details on assignments.

Participation/Discussion Questions
WEEK 8 - TOPIC 1: TAX MANAGEMENT
Objectives
Explain taxable income and taxes owed.

Summarize ways to save money on federal taxes.

List steps to file a federal tax return.

Materials
READING: Read Ch. 3 of Personal finance - Managing Your Taxes: The Basics of the U.S. Tax System.
TOOLWIRE: Toolwire® Learnscape: Effective Tax Management
WEB LINK: Focus on Ethics: Reducing Your Taxes
SUPPLEMENT: Video Transcript - Focus on Ethics: Reducing your Own Taxes
Assessment
Please see instructor's syllabus for details on assignments.
Participation/Discussion Questions
WEEK 9 - TOPIC 1: INVESTMENT AND LONG-TERM PLANNING
Objectives
Summarize the investment planning process.

Explain retirement income needs.

List sources of retirement income.

Materials
READING: Read Ch. 11 of Personal finance - Investment Basics: Investing Wisely.
READING: Read Ch. 14 of Personal finance - Planning for Retirement: Achieving Financial Freedom.
WEB LINK: How Retirement Planning Fits Within Your Financial Plan
SUPPLEMENT: Video Transcript - How Retirement Planning Fits Within Your Financial Plan
SUPPLEMENT: Appendix D: How to Capture a Screen Shot
WEB LINK: Concern about Retirement Benefits in the Future
SUPPLEMENT: Video Transcript - Concern about Retirement Benefits in the Future
Assessment
QUIZ: Final Exam
QUIZ RESULTS: Final Exam Results
Participation/Discussion Questions
Useful Links
Center for Mathematics Excellence (CME)
Center for Writing Excellence (CWE)
Reference and Citation Generator
Grammar and Writing Guides
Learning Team Toolkit
Live Math Tutoring
Course Outline
Course
Course Overview
Policies
Week Four Alternative Assessment Option for Faculty Only
Week Four Alternative Assessment Option Results
Week Nine Alternative Assessment Option for Faculty Only
Week Nine Alternative Assessment Option Results
Writing Style Guide
Toolwire® Student Resources Page
Toolwire® Learnscape Transcripts
Center for Mathematics Excellence
Week 1
Topic 1: Personal Financial Planning
Week 2
Topic 1: Money Management
Week 3

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