FIN 2104-901, Ref 82155
M 6 p.m. – 8:50 p.m.
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
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
Financial Web For current information, use the following websites:
Sites: www.quicken.cm www.finance-center.com
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.
Tentative Semester Part 1. Planning Your Personal Finances
Chapter 1 Personal Financial Planning: An Introduction
Chapter 2 Financial Aspects of Career Planning
Chapter 3 Money Management Strategy: Financial Statements and
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
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
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
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
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.
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
• Incompletes will not be given in this course.