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  • 1. Personal Finance FIN 2104-901, Ref 82155 M 6 p.m. – 8:50 p.m. Fall 2003 Instructor Information: Lonnie L. Bryant Office Hours: M 5:30- 6:00 p.m. Office: BSN 3115 W 6:00- 7:00 p.m Phone number: 974-6338 E-mail: Course Description: Personal Finance (FIN 2104-901) is an overview of personal and family financial planning with an emphasis on financial record-keeping, planning your spending, tax planning, consumer credit, making buying decisions, purchasing insurance, selecting investments, and retirement and estate planning. Required Text: Personal Finance, Seventh Edition, Kapoor, Dlabay, Hughes, Richard D. Irwin, Inc., 2004. Supplements (Not Personal Financial Planner to accompany Personal Finance, Seventh Required): Edition. Student Resource Manual for Personal Finance, Kapoor, Dlabay, Hughes, Richard D. Irwin, Inc., 2004. Supplementary Readings from The Wall Street Journal, Money, Kiplinger’s Personal Readings: Finance Magazine, and other personal finance and general business periodicals. Financial Web For current information, use the following websites: Sites: Student Students should attend all class meeting to get the most out of this Responsibilities: course. The material contained in the required text will be presented in the lecture and classroom discussions; and any difficulties you have solving the assigned problems will be addressed during class. Therefore, you should make every effort to attend all class meetings. The chapters that will be covered are provided on the course outline attached to the end of the syllabus. It is expected that you have read the material and have at least attempted to work all of the questions and problems assigned prior to coming to the next class session. Class time will be used to clarify, support, and enhance the material presented in the text. If you miss class, it is your responsibility to obtain the information covered during your absence.
  • 2. Tentative Semester Part 1. Planning Your Personal Finances Outline: Chapter 1 Personal Financial Planning: An Introduction Chapter 2 Financial Aspects of Career Planning Chapter 3 Money Management Strategy: Financial Statements and Budgeting Chapter 4 Planning Your Tax Strategy Part 2. Managing Your Personal Finances Chapter 5 The Banking Services of Financial Institutions Chapter 6 Introduction to Consumer Credit Chapter 7 Choosing a Source of Credit: The Costs of Credit Alternatives **********************EXAM I*********************** Part 3. Making Your Purchasing Decisions Chapter 8 Consumer Purchasing Strategies and Legal Protection Chapter 9 The Finances of Housing Part 4. Insuring Your Resources Chapter 10 Home and Automobile Insurance Chapter 11 Health Care and Disability Insurance Chapter 12 Life Insurance **********************EXAM II*********************** Part 5. Investing Your Financial Resources Chapter 13 Investing Fundamentals Chapter 14 Investing in Stocks Chapter 15 Investing in Bonds Chapter 16 Investing in Mutual Funds Chapter 17 Real Estate and Other Investment Alternatives Part 6. Controlling Your Financial Future Chapter 18 Retirement Planning Chapter 19 Estate Planning **********************EXAM III***********************
  • 3. Student Students will be evaluated according to your performance on three non- Evaluations: cumulative exams, weekly assignments/ quizzes and class participation. The computation of your average numerical score for the course will be based on the following weighting scheme: Percent of grade Exam I 27 Exam II 27 Exam III 27 Assignments/ Quizzes 12 Classroom Participation 7 100 The exams will consist of a combination of multiple-choice definition/ concept questions and multiple-choice problems. The questions are designed to test your understanding of both fundamental and more complex topics covered in class and contained in the text. The plus/minus grading system will be used in this course. Course grades will be based on the weighted average score you receive for the term using the following scale: 97% ≤ A+ 87% ≤ B+ < 90% 75% ≤ C+ < 77% 65% ≤ D+ < 67% 93% ≤ A < 96% 84% ≤ B < 87% 70% ≤ C < 75% 60% ≤ D < 65% 90% ≤ A- < 92% 77% ≤ B- < 84% 67% ≤ C- < 70% 57% ≤ D- < 60% F < 57% If you miss an exam for any reason you will be required to take a comprehensive make-up exam administered at the end of the semester to determine the grade you will receive for the missed exam. You cannot miss two exams and pass this course! Make-up Exam: A make-up exam that covers the material presented in class throughout the semester will be given at the end of the semester. You can take the comprehensive make-up exam only if you miss one of the non-cumulative exams, in which you receive a zero as your grade. Assignments: Some of the end-of-chapter questions and problems will be assigned during class. The assignments will be evaluated on the basis of a total of 10 points, with points awarded in increments of one half. You must show your work for the problems to receive full credit. Showing your work means setting up the problem and showing the steps, along with the intermediate results, necessary to attain the answer. Solutions to the assigned problems will be given during office hours. Quizzes: Short quizzes will be given periodically throughout the semester The quizzes will be administered during the class section. The beginning time and ending time for the quizzes will be the same for everyone in the class. All quizzes and exams will be collected at the same time. If you arrive late, you will reduce the time you have to take the quiz. If you arrive after the quiz has been given, you will not have an opportunity to make up the missed quiz.
  • 4. Other course • This course is not available for credit to upper-level students Information: who have been admitted to the College of Business, and it cannot be counted toward major requirements in FIN or GBA. Students who have already completed FIN 3404 will not receive credit for FIN 2104. • If you are having difficulty understanding the material in the course, do not wait until just before an exam to seek help. Questions are encouraged in this course. Please get help when you have questions about the material covered. • Neither plagiarism nor cheating will be tolerated. It is expected that all the work you hand in is your own. See the USF Manual for Undergraduate Advising, 2003/2004. • Students who anticipate the necessity of being absent from class due to major religious observances must provide notice of the dates to the instructor, in writing, by September 8, 2003. • Please be courteous to your fellow students. If you have a cell phone, a pager, or any other electronic device that has an audio notification system, either turn off the device or disengage the audio while in class. Also, please do not leave class in the middle of the lecture; climbing over people is rude and can be disruptive. • Incompletes will not be given in this course.