Instructor : Jim Hunter Office Hours : 1:00 MW by
Class Hours : MW 10:15 – 12:05 E-mail : email@example.com
Location: 227 Neuberger Hall
Final Exam : 10:15, Wed. March 22 Telephone : 503 557 1891
Survey of personal financial well-being, planning and budgeting, financial institutions,
consumer credit, major purchases, wealth creation through investments in stocks, bonds,
real estate and mutual funds, pension system including the social security system,
employer plans, and estate planning from the individual’s viewpoint.
The learning objectives are to provide a basic understanding of the following:
1. Planning process: to be able to use quantitative tools for measuring financial well-
being, understand the importance of the time value of money, and be able to calculate the
impact of taxes on financial decisions.
2. Managing your money: to understand the different strategies associated with
controlling your financial plan through cash management, credit management, and the
management of major purchases (home and auto).
3. Protecting yourself with insurance: to understand risk management and the utilization
of insurance products to control your future financial health.
4. Managing your investments: understand the importance of investment goals and tools
(stocks, bonds, mutual funds and real estate), be able to calculate tax impacts, and
understand the concepts of risk vs. return, diversification, asset allocation and market
5. Retirement and estate planning: understand the importance of establishing a sound,
simple retirement plan at the earliest stages of your financial life cycle utilizing tax,
insurance and investment planning.
REQUIRED READING: Personal Finance: Turning Money into Wealth, updated 3rd
Edition by Arthur J. Keown, Prenctice Hall, 2004
Class will start and end promptly at the scheduled times. Class participants are
responsible for all material in the book and discussed or presented in class through
Attendance and completing homework assignments are required. One demerit is given
for each class session missed or homework assignment not handed in. Four demerits is a
full drop in the final grade and six demerits is an automatic F.
Class participants are expected to maintain a high level of academic honesty and
interaction. Cheating or plagiarism will be dealt with severely. ACADEMIC HONESTY
IS A REQUIREMENT FOR PASSING THIS COURSE.
Midterm Exam : The midterm will cover the first five weeks of the quarter. Questions
and problems will be similar to those in the homework.
Final Exam : The final will be similar in format as the mid-term and will cover the
remainder of the material. It will not be comprehensive.
Financial Plan : A four to six page narrative covering your financial plan accompanied
by several worksheets as exhibits. Required exhibits include worksheets 1, 3, 4, 6, 7, 15,
23, 26, and 37. Some worksheets are to be handed in with the homework as the material
is covered. (See the attached Homework Schedule). We will be reviewing these
worksheets in the classroom. Also, included in the financial plan is a job search in which
you project your job upon graduation and research what the salary range will be (salary
rate.com and monster.com are good places to start).
Homework : Homework assignments for material covered in class must be handed in
when due. NO LATE HAND-INS. See the schedule attached.
Mid Term: 50 pts
Final Exam: 50 pts
Financial Plan 100 pts
Total 200 pts
Grading will be based on straight percentage points (90% A, 80% B, 70% C, 60% D, and
F for below), +’s and –‘s also will be reflective of point percentage. If you choose to
discontinue attending class, you must formally drop or you will receive the grade
reflected in your point total.
CLASS AND LECTURE SCHEDULE
DATE CHAPTER TOPIC
1/9 1. Introduction and Financial Goals
1/15 2. Financial Planning
1/18 3. Time Value of Money
1/23 4. Tax Strategies
1/25 5. Cash Management
1/30 6. Credit Card Management
2/1 7. Consumer Loans
2/6 8. Major Expenditures
2/8 Mid Term Exam
2/13 9. Life and Health Insurance
2/15 10. Property and Liability Insurance
2/20 11. Investment Basics
2/22 12. Securities Markets
2/27 13. Investing in Stocks
3/1 14. Investing in Bonds etc.
3/6 15. Mutual Funds
3/8 16. Retirement Planning
3/13 17. Estate Planning (Financial Plan due today)
3/15 18. Financial Future
3/22 Final Exam
This a four to six page typed narrative and summary of financial goals and projections
based on the worksheets (completed and attached as exhibits) from this point in time until
the settling of your estate. It is to be INFORMATIVE, QUANTITATIVE AND
Sub headings must include the following topics:
Personal financial goals
Career projection (title and income)
Net worth, current and projected
Budget of current situation
Debt : Credit card, consumer debt, mortgage and other
Insurance : Life, health, disability, Long term care, home and auto
Investment and retirement planning
Due Monday, March 13th at the BEGINNING OF CLASS.