Personal Financial Literacy Syllabus

Personal Financial Literacy

Ms. Tammy Small

Tammy.Small@marion.k12.fl.us

(school) 671-4700 x58586

(text) 352- 405-0418

Rm. B – 257

Purpose: Students in Personal Financial Literacy (Finance) will learn how to manage money, understand saving, credit, financing, insurance, investing, and planning for their financial futures.

Finance will include extensive reading, writing, and discussion. Effective Finance students will come to class prepared to politely and respectfully share ideas and opinions, to actively engage with their classmates and teacher, to study and use academic language, and to apply financial principles to real life situations. This is a highly interactive class and students are expected to participate fully in all activities and discussions and to remain respectful at all times.

Required Text and Materials:

Financial Freedom- workbook. Students must carefully maintain this paperback book as they will be using the same copy at home and school.

Spiral notebook(s) 100 pages devoted to Finance notes only

Additional paper (loose leaf or additional spiral notebooks)

Pens, pencils, and colored pencils and/or highlighters in multiple colors

Optional: 3x5 index cards (1 pack), Binder rings (1-2)

***Students may need additional supplies to complete projects throughout the semester ***

Grading/Evaluation: Students will earn points for performance on all required assignments in and out of class. Grades are weighted as follows in accordance with MCPS district policy:

Homework: 10% (assignments vary, frequent reading and study notes/cards, participation)

Classwork/Quizzes: 50% (includes written work, quizzes, class discussion and active participation, vocabulary)

Tests and Projects: 40%

*Local End of Course Exam (LEOC) counts toward 20% of student’s overall class grade.

Personal Financial Literacy Topics:

Managing Money

Saving

Job search and Income

Using Credit

Car Ownership and Financing

Understanding Insurance

Choosing a Home

Online Protection

Panning for Higher Education

Investing

Policies and Procedures:

Attendance- Regular attendance is necessary to do well in Finance. Much of the students’ learning will occur though in class discussion and activities which cannot be made up.

Late work- Assignments are due on the assigned due date. If a student has an excused absence, she/he must make up the missed work and will have 1 day for every missed day to submit missed work for up to full credit (ex. Two-day absence = two school days to submit missing work/take quizzes/tests upon student’s return).

Other late work may be accepted for a reduced score (usually a 5-point reduction per day late). Students are encouraged to schedule time for quiz/test make-ups during CAT period.

Resubmissions- Most assignments may be resubmitted to raise a below mastery score (less than 80%). Students must request to make up the assignment/quiz and must resubmit the assignment by their next scheduled class period (unless there is an approved extenuating circumstance). Students may earn up to 80% on resubmitted assignments.

Electronic Devices- Cell phones are not allowed to be on or visible during class (unless pre-approved as part of a class lesson). Cell phones must be off or set on silent (not vibrate) and kept in the student’s bag or pocket. EAR BUDS/headphones must be removed upon entering class and may not be visible during class.

Dress Code- Students clothing must conform to the dress code set forth in the Forest Student Handbook. Student’s must have school issued ID’s VISIBLE at all times. Hoodies worn on the head are considered hats and are not allowed in the school buildings (hallways or classrooms).

Food and Drink- Student may have water or other beverages in non-breakable bottles/cups with secure lids (no Styrofoam or paper cups—no Polar cups, no Mc Donald’s cups, no open soda cans, etc.).

Due to COVID safety protocols eating in the classroom is currently prohibited.

IF/when restrictions are lifted, small snacks that are not messy, not loud, and not distracting may discretely be eaten during class. (Yes = Crackers, pretzels, small cookies, small candies. NO = Breakfast sandwich, burgers, large donuts, chips, large candy bars, etc.)

Classroom Procedures- Students will copy the posted classroom procedures into their Finance notebook and follow all classroom procedures at all times, including and especially when substitute teachers are present:

Entering:  Be seated, gather your supplies, begin silent bell work.

Restroom Breaks: 5 minutes only. Sign out on the Restroom Log with first and last name and time out. Silently get teacher’s attention and obtain pass. Upon return, sign back in, return pass, take seat silently (Do NOT ask the teacher “what did I miss?”). Parents will be contacted if a student takes excessive bathroom breaks or excessive time on breaks.

Absence: Ask classmates for missing assignments—complete missed work after class or during CAT period. Submit missed work at the beginning of the next scheduled class period or before/after school.

Guests: If a guest (other faculty, district staff, etc.) enters the room, ignore them and keep working unless specifically addressed by the guest.

Sharpen pencil: Raise pencil, to silently get teacher’s attention, wait for a nod, quietly sharpen pencil.

Exit: When the teacher dismisses you (NOT the bell), clean up your area, and have a great day! *Waiting by the door to leave--for class change, lunch, or end of the day-- is not allowed.

Quiz on Vocabulary from Ch 3 page 22 AND some vocab words from chapters 1 and 2.

Read, discuss, complete pages 34-39

Read pages 29-32, create an actual resume using your real information. The book suggests a website on page 29 for resume templates, but you may also just use your search engine to find free resume templates or use the resume templates you find on Word.

Email your completed resume to Ms. Small at tammy.small@marion.k12.fl.us

Grocery Costs, menu, using sale ads

Read, complete and discuss pages 25-28. Complete job application.

Complete and discuss pages 21-24

Read and complete pages 16-19.

Discuss the merits and drawbacksof raising the minimum wage to $15 an hour

Read and complete pages 11-15 in Ch. 2 of your Financial Freedom book.

Discussion:

Research the job you would like to have as an adult:

How much would the training/education cost?

How much time would the training/education take?

How much is the starting annual salary?

Do a cost/benefit analysis.

Will the job you chose make financial sense and provide the lifestyle that you wish to have AFTER the financial and time costs?

Are there other ways you can reduce the cost of time or money to obtain your job/career?

Ch 1 Vocab Quiz (schedule a CAT period make up with me if you miss it)

Managing Money PowerPoint and quick write:

Write your money motto in 30 words or less

Research and class discussion: Careers you would LIKE to have as an adult, the training/education required, the cost in time and money of the training/education required. Cost/benefit analysis

Complete the monthly budget on pg. 8 using your monthly income (from your pretend high school diploma only job). Be sure to include some amount in savings.

Reseach the costs in our local area for each expense (rent, average utilities, etc.)

Your goal is to have some money left over at the end of the month. You must spend at least $125 on food and you may have no more than one roommate to share expenses with (optional).

Read and complete all of the activities in your Financial Freedom book pages 1-8. We are working together in class to complete the budget on page 8.

*If you have not already chosen a "job" to use for this unit, please research a job that is common in this area and requires ONLY a High School diploma.

Research the average pay for that job--monthly and yearly. You will use this information for several assignments so write it in your Financial Freedom book.