Finance 1060
Personal Finance
Instructor
Name
Email | Website
Office | Office Hours
Course
Description
This is a Concurrent Enrollment Course, offering both high school credit through ______________ High
School and college credit through Utah Valley University. Credit from this course is transferable to all
colleges and universities. Contact the receiving institution for how the credits will be applied.
Designed as elective credit toward a business degree and for individuals interested in acquiring personal
financial planning skills. Covers personal financial management with emphasis on decision making,
budgeting, financial institutions, personal and family risk management, credit management, and estate
planning. Methods include lectures, guest speakers, films, tapes, computer simulations and research.
Completers should be able to prepare complete personal budgets and other family financial planning
instruments.
Prerequisites
This class is available to all high school juniors and seniors in good academic standing. High school
prerequisites apply. There are no college prerequisites for this course.
Text
Walker, Robert and Walker, Kristy. Personal Finance. McGraw-Hill Irwin. 2013
Financial Calculator: HP 10 BA-II or comparable (not alpha programmable).
Bring your financial calculator and text to class every day.
Objectives / Learning Outcomes
Financial Plan Components (a hypothetical family case will be provided for students to analyze):
Net Worth and Cash Flow Statement
1040 Form
Check Register
Life Insurance and Needs Analysis
Debt Elimination Calendar
Select a Mutual Fund
Credit Report Write-up
Portfolio
Worksheet 8.1
Holographic Will
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Demonstrate an understanding of the time value of money and use a financial calculator to compute
present value, future value, and periodic payments.
Specify financial goals and create personal financial statements, including a net worth, income and
expense statement, and budget.
Identify wise debt management practices and compare/contrast debt alternatives.
Identify ways to improve an individual’s credit score and defend against identity theft.
Demonstrate decision-making skills used to make a major consumer purchase such as a home or
automobile.
Recognize the impact of taxes on personal finances and prepare an individual income tax return
(form 1040).
Classify potential financial risks faced by individuals and families and identify strategies for handling
these risks.
Identify basic insurance terminology and coverage options, and prioritize options based on need.
Distinguish between the most common banking and investment products and assess the
relationship between liquidity, risk, and return.
Discuss the importance of retirement planning and distinguish among the major retirement savings
vehicles.
Understand the importance of, and how to use, estate planning tools.
Assessment
Participation ~ Assignments ~ Grading Philosophy
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The expected learning outcomes for the course will be assessed through exams, attendance,
personal project and homework projects.
Spending Diary: You need to keep track of your spending. I would like each of you to buy a notebook and
for a 90 day period, log each purchase at the time you make the purchase. Record the exact amount spent
and identify each expenditure. You will turn in your spending diary plus a summary of your spending.
Chapter Readings and homework as well as additional assignments will be given in class. Students are
expected to read the assigned chapters before class. Students are expected to come prepared and
participate in class discussions and projects.
Grading Scale
A = 100-94
B - = 83-80
D+ = 69-67
A - = 93-90
C+ = 79-77
D = 66-64
B+ = 89-87
C = 76-74
D - = 62-60
B = 86-84
C - = 73-70
F = 59-0
Grades and Credit
You will receive the same grade for your high school course as you receive for your college course. Your
grade for this class will become part of your permanent college transcript and will affect your GPA. A low
grade in this course can affect college acceptance and scholarship eligibility.
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University Policies
Academic Integrity
Utah Valley University expects all students to maintain integrity and high standards of individual honesty in
academic work, to obey the law, and to show respect for others. Students of this class are expected to
support an environment of academic integrity, have the right to such an environment, and should avoid all
aspects of academic dishonesty. Examples of academic dishonesty include plagiarizing, faking of data,
sharing information during an exam, discussing an exam with another student who has not taken the exam,
consulting reference material during an exam, submitting a written assignment which was authored by
someone other than you, and/or cheating in any form. Violators of this policy will be subject to disciplinary
action. Cheating will not be tolerated. It will result in a FAILING grade for the course.
In keeping with UVU policy, evidence of academic dishonesty may result in a failing grade in the course and
disciplinary review by the college. Additional information on this topic is published in the student handbook
and is available on the UVU website.
Students with Disabilities
If you have any disability, which may impair your ability to successfully, complete this course, please contact
the Accessibility Services office, 863-8747, BU 146. Academic accommodations are granted for all students
who have qualified documented disabilities. All services are coordinated with the Accessibility Services
office.
Dropping the Class
_________ is the last day to drop the course without it showing on your transcript.
_________ is the last day to withdraw from the class.
If you drop the high school class, you must also withdraw from the UVU class to avoid receiving an E or UW
(unofficial withdrawal).
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