NORTH CENTRAL TEXAS COLLEGE COURSE SYLLABUS
|
Course
Title:
|
Personal Finance
|
|
Course Prefix & Number:
|
BUSG
1304
|
Section Number:
|
310
|
Semester/Year:
|
SP/21
|
|
Semester Credit Hours:
|
3
|
Lecture Hours:
|
48
|
Lab Hours:
|
0
|
|
Course Description (NCTC Catalog):
A study of the financial principles when managing financial affairs. Includes topics such as budgeting, retirement, property ownership, savings and investment planning.
|
|
Course Prerequisite(s): None
|
|
|
Required Course Materials:
|
Required Text: Personal Finance, 13th Edition
Author: Kapor, Diabay, Hughes & Hart
Publisher: McGraw Hill
ISBN: 978-1-264-36226-4 eBook w/CONNECT
ISBN: 978-1-264-36840-2 eBook w/ CONNECT & Loose-leaf Bundle
|
|
| |
|
|
|
|
|
|
|
|
|
INSTRUCTOR INFORMATION
|
Name of Instructor:
|
Teresa Laman
|
|
Campus/Office Location:
|
Corinth Campus, Room 313
|
|
Telephone Number:
|
940-498-6263; 940-600-1560 Google Voice Preferred
|
|
E-mail Address:
|
tlaman@nctc.edu
|
OFFICE HOURS
|
Monday
|
Tuesday
|
Wednesday
|
Thursday
|
Friday
|
| TBD |
TBD |
TBD |
TBD |
TBD |
| |
|
|
|
|
STUDENT LEARNING OUTCOMES (From Academic Course Guide Manual/Workforce Education Course Manual/NCTC Catalog
|
At the successful completion of this course the student will be able to:
|
|
LO1
|
Identify the concepts associated with the time value of money
|
|
LO2
|
Identify the differences among various savings and investment programs and classes of securities
|
|
LO3
|
Identify the options for insurance
|
|
LO4
|
Describe retirement and estate planning techniques
|
|
LO5
|
Explain owning versus renting real property
|
|
LO6
|
Describe consumer protection legislation
|
GRADING CRITERIA
|
# of Graded
Course Elements
|
Graded Course Elements
|
Percentage or Point Values
|
|
19
|
CONNECT Chapter Homework
|
30%
|
|
15
|
Discussion Forums
|
25%
|
|
3
|
Exams (10% Each)
|
30%
|
|
2
|
Stock Market Simulation Papers
|
15%
|
|
|
Total points
|
100%
|
|
A
|
90% - 100%
|
|
D
|
60% - 69%
|
|
B
|
80% - 89%
|
|
F
|
0 – 59%
|
|
C
|
70% - 79%
|
|
|
|
COURSE SUBJECT OUTLINE (Major Assignments, Due Dates, and Grading Criteria)
|
WK
|
TOPIC
|
ASSIGNMENTS
|
|
1
|
Chapter 1: Personal Finance Basics
|
|
|
2
|
Chapter 1 Appendix: Time Value of Money
|
|
|
3
|
Chapter 13: Investing Fundamentals
|
|
|
4
|
Chapter 14: Investing in Stocks Chapter 15: Investing in Bonds
|
Join Simulation
|
|
5
|
Chapter 16: Investing in Mutual Funds Chapter 17: Investing in Real Estate
|
Trading Practice Starts
|
|
6
|
Chapter 2: Financial Aspects of Career Planning Trading Simulation Starts
|
Exam 1
|
|
7
|
Chapter 3: Money Management – Financial Statements & Budgeting Basics
|
Portfolio Philosophy Paper due
|
|
8
|
Chapter 4: Planning Your Tax Strategy
|
|
|
9
|
Chapter 5: Financial Services: Savings & Payment Accounts
|
|
|
10
|
Chapter 6: Introduction to Consumer Credit
Chapter 7: Choosing a Source of Credit & Credit Alternatives
|
|
|
11
|
Chapter 7 Appendix: Student Loans
Chapter 8: Consumer Purchasing Strategies & Legal Protection
|
|
|
12
|
Chapter 9: The Housing Decision: Factors and Finances
|
|
|
13
|
Chapter 10: Property and Motor Vehicle Insurance
|
Exam 2
|
|
14
|
Chapter 11: Health Disability and Long-Term Care
Insurance
Chapter 12: Life Insurance
|
Final Virtual Stock Paper
|
|
15
|
Chapter 18: Retirement Planning Chapter 19: Estate Planning
|
|
|
16
|
Exam 3: Chapters 9-12 & 18-19
|
Exam 3
|
ATTENDANCE POLICY
Regular and punctual attendance is expected of all students in all classes for which they have registered. All absences are considered to be unauthorized unless the student is absent due to illness or emergencies as determined by the instructor. It is the student responsibility to provide documentation as to the emergency for approval and judgement by the faculty member. Approved college sponsored activities are the only absences for which a student should not be held liable and only when provided by a college official ahead of the absence. Valid reasons for absence, however, do not relieve the student of the responsibility for making up required work. Students will not be allowed to make up an examination missed due to absence unless they have reasons acceptable to the instructor. A student who is compelled to be absent when a test is given should petition the instructor, in advance if possible, for permission to postpone the exam. Student will be dropped from a class by the Registrar upon recommendation of the instructor who feels the student has been justifiably absent or tardy a sufficient number of times to preclude meeting the course’s objectives. Persistent, unjustified absences from classes or laboratories will be considered sufficient cause for College officials to drop a student from the rolls of the College. From Board Policy FC (LOCAL)
ATTENDANCE ONLINE Sections:
Attendance will be taken via Discussion Forum participation for each class session.
Students must attend more than 75% of all class sessions to successfully complete this course. There are 16 class sessions in the Semester. The final grade will be reduced by 5% for four (4) or more absences.
Grade Appeals and Incomplete Grades: Students can read more about the college's grade appeal processes and procedures for assigning incomplete grades by visiting the Academic Catalog: https://www.nctc.edu/catalog/academic-policies/grades-reports/student-gradeappeal.html (Links to an external site.) and https://www.nctc.edu/catalog/academicpolicies/grades-reports/incomplete-grades.html (Links to an external site.).
Withdrawing from a Course: Students can learn more about the withdraw policy and procedure by http://www.nctc.edu/current-students/drop-withdraw-class.html (Links to an external site.).
Last day to withdraw from a course with a “W” is April 5, 2021.
Syllabi Statements Spring 2021 - COVID-19 Specific
Conversion of Onsite Classes to Online/Remote Format: North Central Texas College students should be aware that in the event of a college closure due to COVID-19, onsite classes will be converted to an online/remote format. Students should plan ahead to ensure they have access to the computer equipment (either PC, MAC, or tablet), webcam, and internet connectivity to continue their classes in an online/remote format. Please read all your official North Central Texas College student emails as the transition from onsite to online/remote might require a reorganization in your personal situation. Students will be granted a 72-hour transition and grace period. Online classes will continue as scheduled without disruption. Wear a mask, stay safe, and contact your Instructor as the situation arises. These policies and procedures were updated on July 30, 2020 and are subject to change as conditions change.
Face Coverings: Per the North Central Texas College guidance on face coverings on campus, in the instructional setting, faculty and students must wear face coverings, such as masks or face shields. Students without coverings, or those who do not comply with the rules relating to face coverings, will not be able to participate in on-campus classroom activities. To request an exception to this requirement, students should contact the NCTC HR Office of Enrollment Management (ccove@nctc.edu). Failure to comply with the face coverings requirement may result in the Instructor directing the student to leave the classroom. Any student asked to leave the classroom may be referred to the student conduct officer. These policies and procedures were updated on July 30, 2020 and are subject to change.
Temporary COVID-19 Attendance Policy for Face-to-Face Meetings: We are facing an unprecedented situation in which all of us must be flexible and make prudent decisions in the best interest of our families, our campus, and our community. In light of this, North Central Texas College is temporarily establishing the requirement that faculty keep records of student attendance for face-to-face course meetings as well as a documented seating chart. In addition, students who are sick or need to quarantine should not attend classes. Students will not be required to provide formal documentation from a health care provider and will not be penalized for COVID-19 related absences when proper notification to campus health officials is made in accordance with the guidelines stated below.
Faculty will:
- Notify students about important course information and delivery changes through Canvas and campus email.
Students should:
- Provide notification to campus officials (via NCTC Daily Health Check protocol through Canvas) if they have tested positive for COVID-19 or have to quarantine so we can confirm reported absence with instructors, monitor, and assist the campus community.
- Notify instructors in advance of the absence.
- Connect with that class through Webex if the class session is being transmitted in a hybrid fashion.
- Keep up with and/or make up missed classwork or assignments.
- Submit assignments digitally through Canvas or other means as announced by your instructor.
- Work with their instructors to reschedule exams, labs, and other critical academic activities described in the course syllabus.
- Check Canvas and campus email daily to receive important announcements pertaining to the course.
During the spring 2021 semester, faculty with face-to-face meetings will establish assigned seating/work stations to facilitate roll-taking, and, if necessary, contact tracing. Additionally, we ask all members of the College community to be attentive to their health, and safeguard others, by following the CDC’s guideline to “stay home when you are sick.” You should stay home if you have symptoms. More information on what to do if you are sick is available at the CDC’s website.
Additional NCTC information is available at http://www.nctc.edu/coronavirus/index.html
DISABILITY SERVICES (Office for Students with Disabilities)
The Office for Students with Disabilities (OSD) provides support services for students with disabilities, students enrolled in technical areas of study, and students who are classified as special populations (i.e. single parents).
Support services for students with disabilities might include appropriate and reasonable accommodations, or they may be in the form of personal counseling, academic counseling, career counseling, etc. Furthermore, OSD Counselors work with students to encourage self-advocacy and promote empowerment. The Counselors also provides resource information, disability-related information, and adaptive technology for students who qualify.
If you feel you have needs for services that the institution provides, please reach out to either Wayne Smith (940) 498-6207 or Yvonne Sandman (940) 668-4321. Alternative students may stop by Room 170 in Corinth or Room 110 in Gainesville.
CORE CURRICULUM FOUNDATIONAL COMPONENT AREA (For classes in the Core)_
Communication
Mathematics Government/Political Science
Life and Physical Science Social and Behavioral Sciences
Language, Philosophy & Culture Component Area Option
Creative Arts
American History
REQUIRED CORE OBJECTIVES (For classes in the Core)
Critical Thinking Teamwork
Communication Personal Responsibility
Empirical and Quantitative Social Responsibility
COURSE TYPE
Academic General Education Course (from ACGM but not in NCTC Core) Academic NCTC Core Curriculum Course
X WECM Course
STUDENT HANDBOOK
Students are expected to follow all rules and regulations found in the student handbook and published online.
ACADEMIC DISHONESTY
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)]”.
CAPSTONE COURSES:
The capstone for the Business Management Certificate is BUSG 2300 – Business Leadership Application. It should be taken after all business management courses have been taken or by instructor approval.
The capstone requirement for the Business Management AAS Degree is BUSG 2380 –
Cooperative Education General Business. It should be taken the last semester before graduation. This course may not be substituted.
QUESTIONS, CONCERNS, or COMPLAINTS:
|
Name of Chair/Coordinator:
|
Dr. Cherly Furdge
|
|
Office Location:
|
Corinth Campus
|
|
Telephone Number:
|
940-498-6238
|
|
E-mail Address:
|
cfurdge@nctc.edu
|
|
Name of Instructional Dean:
|
Debbie Huffman
|
|
Office Location:
|
Gainesville Campus
|
|
Telephone Number:
|
940-668-3357
|
|
E-mail Address:
|
dhuffman@nctc.edu
|