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 are required to have their Finance workbook and notebook during EVERY Finance class period. Students must carefully maintain this paperback book as they will be using the same copy at home and school.

Spiral notebook(s) 70 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/CSMA) 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). Students who are absent due to COVID 19 quarantine are expected to complete ALL class and homework DURING their quarantine at home by checking teacher's webpages, unless they are sick with symptoms. Students may submit work via email or in person on their first day back to class.  Students will be overwhelmed with work if they do not keep up during quarantine. 

Work late for other reasons 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 within two days of missed quiz/test.

Resubmissions- Many 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. Phones may not be taken to the restroom. Silently get teacher’s attention and obtain pass. Upon return, sign back in, return pass, use hand sanitizer, 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: The student is responsible for checking the teacher's webpage for classwork and homework during their absence. Students may also ask classmates for missing assignment, especially vocabulary. Students will complete missed work after class or during CAT period. Students will 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.

Students completed Ch 6 Auto Insurance Test--based on Ch 6 vocabulary.

Students read bottom of page 75

Read and completed page 76-79.

Any reading/work from above not completed in class is homework.

Classowrk: Students discussed pages 72 and 73 (completed last class)

Read, complete and discuss pg. 74. Read and discuss pg. 75

Bellwork: Write and define terms 9-15 on pg. 66

Classwork: Read and complete pages 72 and 73

No HW

Bellwork: Write and define terms 1-8 on page 66.

Classwork: Read, complete, and discuss pages 67-71 (skip "Get a quote" exercise on top half of page 70).

No HW today

Students completed the chart and all of page 49 (skip question 4); read pages 50-52 and answerd the last question on pg. 52.

Ch 4 Students read and completed pages 47-48 and began chart on pg. 49.

***If you were absent***

Be sure to complete through pages 43-48 and your vocabulary definitions from pg. 44.

Read and complete Ch 4 pages 43-47

Write and define terms 1-7 on pg. 44 in your notebook.

No homework today

***If you were absent***

Complete the work in your workbook and write and define the vocabulary. Show me your work during the next WB and/or NB check.

Students read and completed pages 62-64.

Writing assignments on page 64 must be completed in full, grammatically correct, paragraphs.

Read and complete pages 55, 58, and 60

HW complete top half of pg. 59 Used Car Comparison Pricing-- Use any website(s) you wish. Compare three vehicles and complete the chart (cross off Vehicle 4 on the chart)

Grocery Budget Assignment:

Students will create a menu for two people:

3 meals per day

7 days

$100 or less

Each meal must contain:

Protein (meat, eggs, dairy, meat substitute, beans) serving size 3-4 oz

AND a fruit or vegetable (includes juice)serving- 1 whole piece of fruit,or 1/2 cup cut fruit/veggies, or 8 oz juice

AND a starch (bread, potatoes, rice, pasta, other grains) serving- 1 potato, 1 cup pasta rice or grain, 2 pieces of sliced bread, 1 roll.

Students will use ONLY what is in the PUBLIX Sale paper--you may look this up online at Publix.com (Look for BOGO sales--buy 1 get 1 free)

Meals must also include a purchased drink (no tap water)

You must also have some snacks (10 total servings of snacks)

Write your assignment paper to submit in person (or type it on a document and email it to me if you will be out more than 1 week).

Write the entire menu for 7 days--be specific!

Write the total cost of the groceries at the top of your menu.

Essential Question: How does money affect your health?

3/7 Working with a teammate: Create a menu of healthy meals for a week. You must have 3 meals per day and each meal must contain a protein, a fruit/vegetable, and a starch.

Proteins: Meat, fish, eggs, cheese, other dairy, meat substitutes, tofu, beans

Fruits/vegetables include all fresh, frozen, and juice

Starch: grains/breads/potatoes/pasta/rice

***If you were absent***

Create a menu as described above, email it to Ms. Small or bring it with you when you return. Title it 3/7 Nutrition.

Students participated in a Mock Job Fair by interviewing for three positions and acting as employers and interviewing other students for 3 positions. 
Students used their interview question notes from previous assignment to interview others.

Students were rated on: Resume, appropriate interview attire, answering questions respectfully and thoughtfully, and soft skills.

Students will receive an assignment grade for attire and an assignment grade for submitting a completed resume.

Students will receive a test grade for completing the entire interview process.

***If you were absent***

Make an appointment with Ms. Small to make up an interview during CAT period within ONE WEEK (by March 10). No make-ups will be allowed past that date for any reason.

You must come prepared for the interview in appropriate interview attire and have a copy of your typed and printed resume and have your 10 researched interview questions available. All guidance needed for these requirements may be found in Ch 3.

Read and complete pages 35-41

***Remember to prepare for the Mock Job Fair on Wednesday 3/3!  Come dressed in appropriate interview attire with your printed resume (Ch 3 in your workbook has guidance for both of these). This will count as a TEST GRADE!

Students researched and wrote 10 common interview questions and their possible answers to the questions. The answers will be graded on whether they are: honest, realistic, and professional.

***If you were Absent***

Research "Interview Questions" on the internet.

In your notebook: Write down 10 interview questions that you think employers may ask from your research. Then write down your answers to each of the 10 questions.

Show Ms. Small your 10 questions and answers upon your return.

All make-up work is due within one week of your return. 

COVID-19 Quarantine students: IF you are not sick and are home due to contact tracing you are responsible for submitting all possible work in all classes during this time. You may email me your 10 questions and answers at tammy.small@marion.k12.fl.us

Bellwork: Write and define vocab terms 7-12 on pg. 22 (you should already have 1-6 completed in your notebook).

Classwork: Read and discuss pages 28-30 (Resume)

Discuss: Interview attire (pg. 28), Soft Skills vs Hard Skills (do an internet search)

Write a rough draft of your resume (in your notebook)

HW: Create an actual resume: 

MUST be typed and printed

MUST follow a standard format (use the book or search online for formats)

MUST contain all of the required information (workbook pg.s 29-32)

DUE: Wednesday 3/3. You will also have your mock interview this day and will need to be in appropriate interview attire--this counts as a test grade.

Read and complete pages 75-79

Ch 4, pg. 53: In your workbook, write 2 complete, grammatically correct paragraphs advising your friends and family on how to safely and wisely use credit. Due 4/7

HW complete top half of pg. 59 Used Car Comparison Pricing-- Use any website(s) you wish. Compare three vehicles and complete the chart (cross off Vehicle 4 on the chart)

Remember to prepare for the Mock Job Fair on Wednesday 3/3!  Come dressed in appropriate interview attire with your printed resume (Ch 3 in your workbook has guidance for both of these). This will count as a TEST GRADE!

HW: Create a real resume: 

MUST be typed and printed (the public library has computers/printers, you may also have friends/family that have computers/printers you can use--no excuses)

MUST follow a standard format (use the book or search online for formats)

MUST contain all of the required information (workbook pg.s 29-32)

DUE: Wednesday 3/3. You will also have your mock interview this day and MUST be in appropriate interview attire--this counts as a test grade.

Due Monday 2/22

HW: Do an online job search--find 2 jobs that you are currently qualified for AND that you can actually do (time/hours, transportation, skills, etc.)

Write/Print: Name of business/location; requirements; duties; job description; pay/salary

HW: pg. 24 Interview TWO working people and complete the chart at the top of page 24 AND answer "What did you learn?"

DUE FRIDAY 2/19 We will share in class.

2/8 Homework Risks: bottom of pg 18: Research and answer the questions about Risk and Protections on the bottom half of pg. 18-- Complete 1-4 and the chart and the last short answer question.

Complete the cartoon and answer the question at the bottom of page 9.

Ensure that you have all of Ch 1 completed.

Study the Ch 1 vocabulary and make sure you have the terms and definitions written in your notebook.

Friday 1/29 you will have a vocabulary quiz, a workbook check, and a notebook check for credit.

Complete the chart and questions on pg. 3. Be prepared to share in class on Monday 1/25.