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Syllabus Syllabus Document Transcript

  • FIN 310 Syllabus CALIFORNIA STATE UNIVERSITY, FULLERTON COLLEGE OF BUSINESS AND ECONOMICS Department of Finance Syllabus Finance 310 – Personal Financial Management Instructor: Derek D’Sa Phone: Office: Office Hours: E-mail: ddsa@fullerton.edu Course Description Using a lecture and discussion teaching format, this course is designed to develop an understanding of the issues and strategies in the financial planning process for individuals and their families. Topics for discussion include: development of a financial plan, budgeting, credit management, tax preparation and planning, major purchases, insurance needs (health, life, auto and homeowners), investment choices, and retirement and estate planning. The course stresses the importance of financial planning as it relates to the psychological and physical well being of the individual and the family. The course will also discuss the impact of gender, ethnicity and cultural background in the financial planning process. Required Text: Personal Finance, Turning Money into Wealth, Fourth Edition - by Arthur J. Keown. Prentice Hall ISBN #: 0-13-221390-7 Other Required Materials: 1) Workbook to above text … included with purchase of text. 2) Financial calculator (TI BAII+ or other financial calculator) Course Objective This course is designed to provide the student with skills to manage their personal and family financial affairs. This will be accomplished by understanding the process of budgeting, credit management, tax planning, making major purchases, utilizing insurance for personal and property protection, and providing for the future by means of investment and retirement planning. The student will also understand the impact of culture and background on attitudes toward saving and planning for the future as well as the impact of health in financial planning. Evaluation Procedure Percentage Points (100) Midterm Exam 20% total 20 Term Paper 20% 20 (15/5) HW/Assignments 15% 15 Attendance and Class Participation 15% 15 Comprehensive Final Exam 30% 30 1
  • FIN 310 Syllabus 1. Plus/Minus grading will be used in this course. You will earn the following grade if your weighted average course score falls within the following percentiles: 98-100%=A+; 94-97%=A; 90-93%=A-; 88-89%=B+; 84-87%=B; 80-83%=B-; 78-79%=C+; 74-77%=C; 70-73%=C-; 68-69%=D+; 64-67%=D; 60-63%=D-; <60%=F … Additionally, a curve may be applied to these scores. 2. Some homework assignments are contained in the Course Outline; others may be assigned during class. Homework assignments will be collected in class. It is expected that the student will complete these in order to be prepared for class discussion, understand the material, master the Finance 310 competencies, and perform well on the exams. All HW must be typed. 3. Group Term Paper and Oral Presentation – At the end of the third week students will have formed work groups consisting of 4 to 5 students each to prepare a group term paper and corresponding oral presentation. The group will select a topic from a list provided. The term paper shall consist of at least five but no greater than eight double-spaced typewritten pages including references. At least 3 references (excluding textbook) must be cited. The term paper will not be evaluated on quantity. Fewer well thought out pages, properly applied to topics discussed in the course will receive a higher score than term papers with extensive fill material. Plagiarism of another author’s work will result in a zero for the assignment. The oral presentation of the topic will be conducted with all team members participating. Each presentation should be 10-15 minutes in length covering the key points of the term paper. Although not required use of a computer for visual aids such as power point presentations are available. Assignment grades will be based on both individual and team presentation abilities. 4. You are expected to read the assigned chapters/reading materials before class. 5. NO MAKE-UP EXAMS/QUIZZES/ASSIGNMENTS WILL BE GIVEN. The course outline lists dates for the exams. You are responsible to take the exams whenever it is given, even if the date changes. You must take each exam with the section in which you are enrolled. 6. The instructor’s expectations of you include respect and courtesy to fellow students. Please avoid disruptive classroom behavior including cell phone calls, beeper noise, and chatting. Disruptive behavior will be grounds for reduction of class participation grade. Course Policy 1. Dates and terms for withdrawal from this class are as outlined for the CBE in the Course Schedule. 2. CSUF student ID must be displayed during all exams; exams will only be given to enrolled students that show a valid picture ID. 3. Academic dishonesty, as defined by University policy in the 2003-2005 CSUF Catalog, will result in appropriate University level disciplinary and academic action. The Department of Finance requires that students engaging in academic dishonesty receive a grade of F. In addition, 2
  • FIN 310 Syllabus Department policy requires that all individuals engaging in academic dishonesty be reported to the Vice President, Student Affairs. Academic dishonesty takes place whenever a student attempts to take credit for work that is not his/her own or violates test-taking rules. Examples of academic dishonesty during test taking include looking at other student's work, passing answers among students or using unauthorized notes. When students sitting next to each other have identical answers, especially the same mistakes, this may indicate academic dishonesty. Examples of academic dishonesty on out-of- class projects include submitting the work of others or quoting directly from published material without footnoting the source. 3
  • Fin 310 Syllabus COURSE OUTLINE WEEK Chapter Topic/Assigned Reading Other 1 1 Class Introduction/ Financial Planning: An Overview 1 Financial Planning: The Ties That Bind 2 2 Measuring Your Financial Health and Wealth 2 Measuring Your Financial Health and Making/ Budgeting 3 3 Understanding the Time Value of Money 3 Understanding the Time Value of Money / Calculating Loan Payments and other TVM Applications 4 Understanding Income Taxation- Tax Planning 4 Strategies 4 Understanding Income Taxation- Tax Planning Strategies 5 5 Cash and Liquid Asset Management 5 Cash and Liquid Asset Management / Checks and Other Ways to Pay. 6 6 Using Credit Cards: The Role of Open Credit 6 Managing Credit and Credit Reporting/Scoring 7 7 Using Consumer Loans: The Role of Planned Borrowing 7 Auto and Other Consumer Loans/ Understanding Bankruptcy 8 8 The Auto and Home Purchase Decision 9 Understanding Life and Health Insurance / LTC and Disability Insurance
  • FIN 310 Syllabus 9 9 Understanding Life and Health Insurance / LTC and Disability Insurance MID TERM TEST Covers Chapters 1 - 9 10 10 Property and Liability Insurance 11 Investment Basics / The Market Rates vs. Risk Tradeoff/ Unique and Market Risk 11 11 Investment Basics / Asset Diversification and Term Paper Due the Efficient Market Debate 12 The Securities Markets 12 13 Investing in Stocks/ Valuation Techniques and Investment Strategies 13 Investing in Stocks/ Valuation Techniques and Investment Strategies 13 14 Investing in Bonds and Other Alternatives 14 Investing in Bonds and Other Alternatives / Investing in Real Estate 14 15 Mutual Funds: An Easy Way to Diversify 15 Mutual Funds: An Easy Way to Diversify / Electronic Exchange Traded (ETF) Funds 15 16 Retirement Planning / Understanding Social Security 16 Retirement Planning / IRA’s, Pensions, 401K’s and Other Savings Strategies / College Savings Plans 16 Final Exam: Covers Chapters 1-16 5