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.

Complete Ch 10 pages 125-129

***You may skip 127.

Ch 10 Workbook check due on Friday 12/18 will be your last assignment for the semester.  Be sure to bring your workbook.

Bellwork- Write 1 paragraph: Choose a destination you would like to go to in the Eastern US. Expalin where you would go and why.

Teamwork: Plan a Road Trip.

Decide on a destination with your group that you can drive to and from in 2-4 days--no more than 10 hours of driving per day.

Figure:

Mileage to and from and cost of gas (round trip).

Research where to stay and the cost per night.

Cost of food/drinks/snacks (each day for each person on team)

Cost of one event or attraction at your chosen destination for the team.

Divide the total Road Trip costs between the number of people on your team--this is how much your road trip would cost.

Present your trip as a team to the class.

***Make-up assignment: Write the Bellwork paragraph as listed. Write a second paragraph by following the instructions for a Road Trip. Pretend that your best friend is going with you and assume that you have to figure costs for two people.

Complete and discuss 114-120 and review FAFSA form

Ch 9: Complete and discuss 109-112

Complete and discuss Ch 8 106-107 and 

Workbook check

Find a REAL apartment for rent in Ocala in an area in which you would like to live. Ask and write down how much the total move in costs are, including: First month's rent, last month's rent (if required), and any and all deposits required. Bring this information to class on Wed. 11/18 along with the name and location of the apartment complex.

11/16 Read and complete pages 89-92.

Group work: List all of the items you would need to move into your first home (everything for every room!!!).

Prioritize your list to the top 20 items needed.

Estimate the cost of each of the 20 items and the total for all 20.

Look up actual costs of each item and compare to original estimates and total.

SAVE this information!

11/18 Using your home items cost list and your homework, determine the entire cost of moving into an apartment.

Discuss chosen jobs and salaries from previous week's assignment and determine how easy or difficult it will be to move out on your own.

Read and complete pages 93-96.

Complete any missing vocabulary.

11/20 Ch 7 Quiz

11/16 Homework: Find a REAL apartment for rent in Ocala in an area in which you would like to live. Ask and write down how much the total move in costs are, including: First month's rent, last month's rent (if required), and any and all deposits required. Bring this information to class on Wed. 11/18 along with the name and location of the apartment complex.

Ch 7 Finding a place to live: Read and complete pages 83-87. Write vocabulary from pages 83-84

Ch 6 Auto Insurance Quiz

Read and discuss pages74-76 Life Insurance. Write terms on pages 74-75

Read and complete pages 77-82 including writing the terms on 77-78

Read and complete Ch 6 pages 65-73.

Create 10 multiple choice questions to ask your classmates (in class will create questions in groups).

Challenge classmates with questions as a review for Ch 5

Read and complete pages 62-64

Read and complete Ch 5 pages 55-61 including writing and defining vocab terms on pages 56-57. Complete exercises.

Read and complete Ch 4, including writing and defining terms on page44 and excercises on pages 46, chart on 48, chart on 49, 51 and 52.

Research two TEEN entrepreneurs. Write down who they are, their ages, and what they did. Present in class on Friday 10/2 and Monday 10/5

Ch 3, pg.s 29-31

Reviewed chapters 1,2,3. Class discussion on most valuable lessons in these chapters.

Next week: Ch 4 including vocab on page 44