Download MATHEMATICS OF PERSONAL FINANCE

MATHEMATICS OF PERSONAL FINANCE
COURSE EXPECTATIONS 2008 – 09
Centennial High School
M. Macioce
COURSE SCOPE:
This one-year course is the study of personal finance for senior-level students. Students will develop a
deeper understanding of the mathematics of finance to include: money management, risk management,
and financial planning related to consumer and family studies, career and technical education, and
personal finance. The emphasis will be on refining problem-solving skills using project-based learning
activities and academic integration within the context of financial applications. The use of technology,
including calculators and computers, is an integral part of this course. This course will fulfill one of the
mathematics credits required for high school graduation.
COURSE TEXTBOOKS:
We will be using two textbooks in this course: Personal Finance and Mathematics with Business
Applications.
COURSE GOALS:
1. To understand and use the basic vocabulary of personal financial applications.
2. To investigate the elements of financial planning including budgets, personal bills, daily
living expenses, taxes, and retirement.
3. To explore and recognize the relationships among educational and career opportunities
and earning potential.
4. To develop an effective money management system utilizing a balanced budget.
5. To understand and apply the local, state, and federal tax systems
6. To analyze investment options including savings accounts, stocks, mutual funds, bonds,
and other common investments.
7. To understand the impact of credit and debt and their uses as tools to effectively manage
personal finances.
8. To explore various insurance products in relation to personal risk management and
asset protection.
9. To describe, analyze and evaluate financial situations in order to make reasonable
personal decisions.
10. To formulate strategies, generalizations, and predictions through oral and written communication using appropriate financial mathematical language.
11. To apply mathematical thinking using prior knowledge and modeling to solve problems
which arise in the mathematics of finance.
COURSE ACTIVITIES:
Materials:
Students are expect to bring the following every day: PENCIL (no pens, please), texts,
notebook, notebook paper, and calculator.
Assignments:
Homework will be assigned on a daily basis. The homework is due the next class day after
it is assigned. Late assignments will NOT be accepted. Homework may only be made up due to
an EXCUSED absence. If the homework is not made up within three days of returning from the
excused absence, it will be considered a late assignment.
Assignments may be a worksheet, from the text, or from the INTERNET. These assignments are
designed to reinforce classroom instruction and will allow you to practice what has been
introduced in class. Unless otherwise specified, assignments turned in on time will be worth a
maximum of 10 points.
ALLGRADED WORK (EXCEPT PROJECTS) MUST BE DONE IN PENCIL ONLY.
Notes and Notebooks:
Daily notes are required and must be kept in a math notebook. If you are absent, it is your
responsibility to obtain notes that you missed.
You must maintain a 3-ring binder notebook for this class. It should have the following sections
1. Daily notes
2. Homework and online quizzes
3. Exams and quizzes.
Quizzes:
Unannounced quizzes will be given often at the beginning of the class period. Students will have
five minutes to complete the quiz which will cover material from previous lessons. Unannounced
quizzes can only be made up after school. If a student is tardy, he/she will have the remainder of
the five minutes to finish the quiz. These quizzes will be worth five points each.
Announced quizzes will be given at regular intervals.
Tests and Projects:
Chapter tests or a chapter project will serve as the assessment for each chapter. Each chapter test
or project is worth 100 points. On a test, all work must be shown or no credit will be given for the
answer (NWNC means No Work, No Credit).
Grading:
Quarter grades are computed as follows:
Participation
Homework and quizzes
Tests and projects
10%
30%
60%
Semester grades are computed as follows:
Quarter grades
Semester exam
40% each
20%
Grading scale:
90% - 100%
80% - 89%
70% - 79%
60% - 69%
Below 60%
A
B
C
D
F
Make-up Work
Upon returning from an EXCUSED absence, the student should consult the assignment board to
get the missed assignment(s). The assignment board is located at the back of the room on the
bookshelves. If the assignment is a worksheet, it will be located in the file box below the
assignment board.
Students will have three (3) days to make up any missed work due to an EXCUSED absence.
ALL WORK MUST BE SHOWN AND MUST BE DONE IN PENCIL to receive credit.
Make-up work must include the page number and date the work was ASSIGNED,
not the date it is submitted.
Tests can only be made up due to an EXCUSED absence. Tests must be made up on Monday or
Thursday after school, within a week of returning from the absence or a zero will be given for that
exam. Any test missed due to an UNEXCUSED absence will result in a zero.
GRADES WILL BE POSTED TO PARENTLINK EACH FRIDAY.
Participation:
Each student begins every period with five (5) participation points. All daily participation points
will be deducted for absences (excused or unexcused), tardies, being unprepared, or being off-task.
Tardies:
A tardy sheet is located at the front of the room on the blackboard tray. Any student who arrives
after the bell must sign the tardy sheet (this is the student’s protection against being marked
absent). In addition, if this is the first tardy in the 9-week period, the student must fill out a
Centennial High tardy form and place it on the overhead. Excessive tardiness will affect the
student’s participation grade as well as result in the following disciplinary actions:
Tardy 1
Verbal warning
Tardy 2
Phone call to parent/guardian
Tardy 3
Counselor’s referral
Tardy 4
Detention at 6:30 a.m. the following day
Tardy 5 and 5+ Dean’s referral
Attendance
It is the policy of Centennial High School and in accordance with Clark County School District
Regulation 5113 that any student who has more than six (6) unapproved absences in any class per
semester will not earn credit for that class for that semester.
CLASSROOM EXPECTATIONS:
Behavior:
The classroom behavioral goal is to provide an environment conducive to learning through mutual
respect. Students in this class are expected to follow the guidelines as outline in the Student
Handbook and to follow all CCSD policies.
Profanity, slurs and insults will not be tolerated
Students will have an assigned seat and be expected to remain there until dismissed by the teacher.
CANDY, GUM, FOOD, and DRINK are not permitted in the classroom.
Failure to adhere to the above rules will result in disciplinary actions which may consist of:
1. Warning, teacher/student conference
2. Teacher/parent conference
3. Counselor’s or Dean’s referral
Academic Dishonesty:
Academic dishonesty will not be tolerated. Cheating on tests, projects, and assignments,
plagiarism, etc. will result in a ZERO grade and a parent/student/teacher conference will be held.
HOURS OF AVAILABILITY
I am here to help you succeed. I am available after school each day until 2:15 p.m., provided
there are no prior commitments or meetings. Giving me notice of intent to take advantage of these
extra hours is appreciated. I may also be emailed at [email protected] and I offer phone
help from 6:30 – 9 p.m. every evening at 242-9503 (again provided I do not have a prior
commitment).
TO:
FROM:
Mrs. Macioce
The parent/guardian of ______________________________________
Period:______________
Student ID:_________________
I have read the packet regarding classroom rules, grading procedures, and
curriculum information.
Parent/guardian signature
Date
Student signature
Date
If you have any questions, comments or concerns, please list a number where you
can be reached and I will get back to you as soon as possible
__________________________________________________________________
__________________________________________________________________
__________________________________________________________________