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					                                       San Jose State University BUS3 12                              Fall 2010

                  University Studies 12/Business 12: Money Matters

   Lecture ALL ATTEND: Monday 12:00-1:15 BBC 204 (course code 48276)

   Discussion/Activity Sections:
   12:00-1:15              Tuesday in BBC 324                      Wednesday in BBC 204
   Instructor:             Jackie Snell                            Rich Okumoto
   Phone:                  (408) 924-3484                           (408) 924-8029
   FAX                     (408) 924-2444                          (408) 924-3555
   Office Hours            Tues 1:30-2:45 & by app’t               Tues 1:30-2:45
   Office:                 ADM 164                                 BT 564

   12:00-1:15              Thursday in BBC 324
   Instructor:             Roy Blitzer
   Phone:                  (650) 326-5489 (home office phone)
   FAX                     (408) 924-3555
   Office Hours            Th 10:30-12:00
   Office:                 BT 564

   University Studies 12/Bus. 12 provides a basic introduction to personal finance for young adults. It also
   fulfills the Lower Division General Education (GE) Human Understanding & Development (Area E)

   Student Learning Objectives
   Money Management and Personal Finance
   Personal finance is more than just investing. But by the end of this course you will be able to:

1. Manage your credit & credit cards
   You will get practice evaluating credit card offers. You will learn the dangers of too much debt, and what
   to do if your credit bills are already too large to pay-off immediately.

2. Pay for your college education
   You will learn about various loans and scholarships available. There will be class discussion, and a guest
   lecturer from the Financial Aid Office. Class readings, lecture, and discussion will address the
   advantages and disadvantages of working vs. taking an educational loan, or a mixture of the two.

3. Discuss your economic position and that of your family compared to others, especially other
   Americans; be able to explain how college affects economic position and why
   You will participate in an exercise that demonstrates how wealth and income are distributed and where
   you fit.

4. Budget your money
   You will participate in a team activity in which you will practice developing and working with a budget, and
   responding appropriately to various unexpected life events that may occur. You will also practice staying
   within your income and adjusting your spending in order to save more.

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                                       San Jose State University BUS3 12                              Fall 2010

5. Explain the power of compounding
   Compounding can make you a millionaire – or throw you into bankruptcy. You will see how the power of
   compounding can make even small savings mount up or can ruin your credit score.

6. Choose among different kinds of investments depending on the goal
   You will participate in a team activity in which you will select and track investments, including stocks and

7. Set goals and make a plan for success in college and the rest of your life, based on your own
   You will write two short papers, one that reflects on your family’s attitudes about money, and another that
   integrates what you have learned about your own values and how financial knowledge can help you meet
   your life goals.
   Human Understanding and Development (GE Area E)
   Discovery, research, critical thinking, written work, attention to the rich cultural diversity of the campus,
   and active discussion will be key parts of this course. Enrollment is limited to a small number of students
   because GE courses are intended to allow you to interact easily with your professor and fellow students.
   We explore topics and issues from an interdisciplinary focus to show how interesting and important ideas
   can be viewed from different perspectives.
   This course qualifies as a Human Understanding & Development (Area E) course in your General
   Education requirements. As such, it is designed to enable you to achieve the following learning

8. Recognize the physiological, social/cultural, and psychological influences on personal well-being.
   You will write a paper in which you will reflect on the attitudes about money you have developed through
   the influence of family and friends. In your final assignment, you will reflect on developmental activities
   you wish to pursue. At various points in the course we will discuss, and assignments will focus on,
   aspects of your life that will help you support your own and perhaps your family’s physiological,
   social/cultural, and psychological development.
   You will take the Strong Interest Inventory, and we help you interpret the results to help you to understand
   how your own interests fit with interests of others in various occupations. Knowing this can help you
   choose a career and a major.
   A class exercise will help you to place yourself in perspective relative to the US and the world
   You will learn about the relationship between money and health, including how stress, including stress
   over financial matters, can affect your health.

9. Recognize the interrelation of the physiological, social/cultural, and psychological factors on their
    development across the lifespan.
   Many financial concerns change over the years, and most segments of the course will ask you to think
   not only about how you are affected right now during college, but also how that might change as your
   career develops, when (if) you have children/a spouse, and just a taste of planning for retirement – which
   you should start as soon as you have a “real” job.

10. Use appropriate social skills to enhance learning and develop positive interpersonal
    relationships with diverse groups and individuals. You will learn to participate actively and civilly
    in class discussions and dialogues.
   You will work in collaborative learning communities (teams) to increase your understanding of the
   concepts in the course. Teams are organized to include diverse students. Part of learning to work in a
   team is learning to make decisions based on consensus.

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                                      San Jose State University BUS3 12                             Fall 2010

  There is a module on communicating about money with family including an in-class exercise. The same
  principles are helpful in communicating in any negotiating situation, whether it is a disagreement with
  family about who pays the bills, coming to consensus with teammates on in-class assignments, or
  negotiating a multimillion dollar contract with a multinational company.

11. Recognize yourself as an individual undergoing a particular stage of human development
  As stated above, you will be asked to think about yourself in terms of your stage of the lifespan, and to
  look ahead to your goals for the future.
  Writing Requirement
  You have several writing assignments across the semester adding up to a minimum of 1600 words. Your
  grade will be based on the quality of your writing (correctness, clarity, and conciseness) as well as on the
  content. Feedback early in the semester will help you to write papers you are truly proud of by the end of
  the semester.
  Required Materials
  The following materials are available for sale in the Spartan Bookstore:
         A good dictionary is essential. Quizzes and exams will include vocabulary from your
          readings. Be sure to look up any words you do not know. Internet and CD-based dictionaries are
          good resources, but if you sometimes study where these are not readily available, you’ll also want
          a hard copy dictionary. If you do not already own one, Webster’s 11 New Collegiate Dictionary is
         Strong- Interest Inventory: about $10 – ask for it at the information desk on the lower level, under
          the stairs.
  Required readings are available as links from the course website, online with your SJSU ID, or on
  hold in the SJSU library. Ask at the library front desk for materials on hold.
  Extra Credit
  We encourage our students to reach out to the community. The instructors contacted several local
  schools, through CommUniverCity, which would like our students to conduct workshops related to
  financial literacy. Those who volunteer will work as teams throughout the semester to create a short
  (about 1 hour) workshop. Near the end of the semester each extra credit team will conduct the workshop
  for either local students or their parents. Number of points available for extra credit will be determined by
  topic of workshop. Topics will be chosen in collaboration with CommUniverCity in the first few weeks of

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                                        San Jose State University BUS3 12                     Fall 2010

Rule on late assignments: Late assignments will be marked down 5% per day late, not including
weekends, for a maximum of 50% reduction. (For example, if an assignment worth 20 points is due
Tuesday and turned in on Thursday, it would be marked down by 10%, or 2 points.)

Quizzes (nearly every section) 10 at 10 pts each. Quizzes will cover readings           100
through and including the day of the quiz and all lectures previous to the day of
the quiz. No make-ups on quizzes. You will be able to drop your lowest
quiz grade.
San Jose Bucks Game (7 at 10 points each). Completed in class with your                 70
collaborative learning group. Must be present for at least 90% of the time
allotted to the exercise to receive group grade. It is important to participate in
discussion and group decision making.
San Jose Bucks Game meeting the objectives                                              50
Exams 1 & 2. (60 pts each                                                               120
Final exam                                                                              120
Strategic learning assignment (at least 250 words, about 1 page)                        15
Family Attitudes paper (at least 500 words, about 2 pages)                              20
Integrative paper (at least 750 words, about 3 pages)                                   25
Strong Interest Inventory (SII)                                                           5
Values and skills questionnaires                                                          5
Outline of “Secret to a Long Life…”                                                     10
Compounding assignment                                                                  15
Evaluating a credit card                                                                15
Outline of “Sick of Poverty”                                                            15
Inequality assignment                                                                   15
TOTAL                                                                                   600
All papers will be graded for grammar, clarity, conciseness, and coherence.

Letter Grades:

 Grade     Percent                 Grade          Percent          Grade    Percent
 A+        97 - 100                B+             87 - 89          D+        67 - 69
 A           93 - 96               B              83 - 86          D         63 - 66
 A-          90 - 92               B-             80 - 82          D-        60 - 62
                                   C+             76 - 79          F         60 below
                                   C              73 - 76
                                   C-             70 - 72

Rule on late assignments: Late assignments will be marked down 5% per day late, not including
weekend days, for a maximum of 50% reduction. (For example, if a paper worth 20 points is due
Tuesday and turned in on Thursday, it would be marked down by 10%, or 2 points.)

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                                    San Jose State University BUS3 12                             Fall 2010

Academic Integrity Statement
The University emphasizes responsible citizenship and an awareness of ethical choices inherent in
human development. Academic honesty and fairness foster ethical standards for all those who depend
upon the integrity of the university, its courses, and its degrees. University degrees are compromised and
the public is defrauded if faculty members or students knowingly or unwittingly allow dishonest acts to be
rewarded academically.
This policy sets the standards for such integrity and shall be used to inform students, faculty and staff of
the university’s Academic Integrity Policy.

Student Role
The San José State University Academic Integrity Policy requires that each student:
         Know the rules that preserve academic integrity and abide by them at all times. This includes
          learning and abiding by rules associated with specific classes, exams and course assignments.
      Know the consequences of violating the Academic Integrity Policy.
      Know the appeal rights, and the procedures to be followed in the event of an appeal.
      Foster academic integrity among peers.
To find out more about the role the university expects you to play in maintaining an ethical environment
on campus, as well as faculty and office of student conduct & ethical development roles check out the
policy ( or the Office of Student conduct and Ethical development

Statement of Students with Disabilities Act
If you need course adaptations or accommodations because of a disability, or if you need special
arrangements in case the building must be evacuated, please make an appointment with your instructor
as soon as possible, or visit during office hours. Presidential Directive 97-03 requires that students with
disabilities register with DRC to establish a record of their disability. To find out more about resources
available on campus to students with disabilities go to:

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