List of graded assignments:

8          Canvas Discussion Forums, 25 points each

9          Homework, 50 points each                                        

4          Exams, 100 points each                    

1          QEP Project, 100 points

6          LO Quizzes, 25 points each

Final grade scale: 

A = 90-100%
B = 80 – 89%

C = 70 – 79%
D = 60 – 69%
F = 0-59%

Late work policy:

Chapter Homework, QEP Assignment, and Exams will be accepted after the due date for a maximum grade of 65%. Late discussion posts will not be accepted as they count for your attendance grade.  Learning Objective Quizzes are not accepted late as they are due the last week of the semester..

SEE CANVAS FOR THE COMPLETE COURSE CALENDAR, OUTLINE, DETAILED DESCRIPTION OF GRADED WORK, AND OTHER RELATED MATERIAL.

COURSE POLICIES

Academic Integrity Policy: Academic Integrity Policy: Scholastic dishonesty shall include, but is not limited to cheating, plagiarism, academic falsification, intellectual property dishonesty, academic dishonesty facilitation and collusion.  Faculty members may document and bring charges against a student who is engaged in or is suspected to be engaged in academic dishonesty.  See Student Handbook, “Student Rights & Responsibilities: Student Conduct ([FLB(LOCAL)]”. 

Consequences for academic dishonesty may include:

1. First offense you will receive a warning and a zero on the assignment without the opportunity to make it up.
2. Second offense you will be dropped from the course.

Scholastic dishonesty shall include, but not be limited to cheating on a test, plagiarism, and collusion.  See Student Handbook “Student Rights & Responsibilities:  Student Conduct [FLB (LOCAL)]” #20 on page 175.

Artificial Intelligence Policy:

1. Purpose
   The purpose of this AI Integrity Policy is to establish guidelines for the ethical use of artificial intelligence (AI) tools and technologies in this course. It aims to promote academic honesty, foster responsible usage, and encourage critical thinking and creativity among students.
2. Definition of AI Tools
   AI tools include software applications, algorithms, or platforms that can perform tasks typically requiring human intelligence, such as natural language processing, image recognition, data analysis, and more. Examples include chatbots, automated writing assistants, and machine learning models.
3. Acceptable Use of AI Tools
    Students are not permitted to use AI tools in this course.

4. Unacceptable Use of AI Tools
    The following actions are considered violations of this policy:

• Plagiarism: Submitting work generated by AI as one's own without proper attribution is prohibited. Students must ensure that any AI-generated content is appropriately cited.
• Misrepresentation: Misleading instructors about the extent of AI assistance used in assignments or projects is not allowed.
• Completion of Assessments: Using AI tools to complete quizzes, exams, or any other form of assessment without explicit permission from the instructor is strictly forbidden.

5. Academic Consequences
    Violations of this policy may result in academic penalties, including but not limited to:

• A failing grade on the assignment or project.
• A failing grade for the course.
• Disciplinary action in accordance with the institution's academic integrity policies.

6. Encouraging Ethical AI Use
    Students are encouraged to:

• Reflect on the ethical implications of using AI tools in their academic work.
• Seek guidance from instructors when unsure about the appropriate use of AI tools.

7. Review and Updates
    This policy will be reviewed and updated periodically to ensure it remains relevant and effective in addressing the evolving landscape of AI technology in education. By adhering to this AI Integrity Policy, students contribute to a culture of academic integrity and responsible use of technology in their learning journey.

Attendance Policy:  As an online course there is no “Attendance” in the traditional sense of an offline course. Attendance is therefore not part of a student’s grade directly. However, attendance is necessary to satisfy financial aid requirements and for other purposes. Therefore, student attendance will be measured by participation in weekly discussion forums and submission of weekly assignments. Those students not participating on a regular basis will be deemed to not be “attending.”

Withdrawal Policy: A student may withdraw from a course on or after the official date of record. It is the student’s responsibility to initiate and complete a Withdrawal Request Form.

Last day to withdraw from the course with a “W” is: March 30, 2026

Student Learning Outcomes:

At the successful completion of this course, you will be able to:

1. Identify the concepts associated with the time value of money 
2. Identify the differences among various savings and investment programs and classes of securities 
3. Identify the options for insurance 
4. Describe retirement and estate planning techniques 
5. Explain owning versus renting real property 
6. Describe consumer protection legislation 

COLLEGE POLICIES

ADA STATEMENT

NCTC will adhere to all applicable federal, state, and local laws, regulations and guidelines with respect to providing reasonable accommodations to afford equal educational opportunity. It is the student’s responsibility to contact the Office for Students with Disabilities to arrange appropriate accommodations.  See the OSD Syllabus Addendum.

AI STATEMENT

Absent a clear statement from a course instructor, use of or consultation with generative Artificial Intelligence (AI) or other similar technologies shall be treated analogously to assistance from another person, agency, or entity. In particular, using generative AI tools to substantially complete an assignment or exam is not permitted. Students should acknowledge the use of generative AI (other than incidental use) and default to disclosing such assistance when in doubt.

When students use generative AI to replace the rigorous demands of personal engagement with their coursework, it runs counter to the educational mission of the college and undermines the heart of education itself. Artificial Intelligence, large language models, and other such technologies hold promise for deploying knowledge in service to others and accelerating the discovery of new knowledge. However, such technology poses new challenges to pedagogy and to integrity. Within the context of the teaching mission of the college and consistent with the Student Code of Conduct, the authority to define the appropriate use, study, and deployment of these technologies rests with the faculty.

Individual course instructors, in coordination with their divisions, set policies regulating the use of generative AI tools in their courses, including allowing or disallowing some or all uses of such tools. Course instructors will set such policies in their course syllabi and clearly communicate such policies to students. Students who are unsure of policies regarding generative AI tools are encouraged to ask their instructors for clarification.

STUDENT HANDBOOK

Students are expected to follow all rules and regulations found in the Student Handbook.

STUDENT SERVICES

NCTC provides a multitude of services and resources to support students.  See the Student Services Syllabus Addendum for a listing of those departments and links to their sites.

QUESTIONS, CONCERNS, or COMPLAINTS

The student should contact the instructor to deal with any questions, concerns, or complaints specific to the class.  If the student and faculty are not able to resolve the issue, the student may contact the chair or coordinator of the division.  If the student remains unsatisfied, the student may proceed to contact the instructional dean.

Name of Chair/Coordinator:  Teresa Laman

Office location:  Corinth Campus Suite #170 Office #172

Telephone number:  940-498-6263

E-mail address:  tlaman@nctc.edu

Name of Instructional Dean:  Debbie Huffman

Office location:  Gainesville Campus 2100 Building Office #2106

Telephone number:  940-668-3357

E-mail address:  dhuffman@nctc.edu