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									                                     KENOSHA UNIFIED SCHOOL DISTRICT NO. 1
                                    CURRICULUM AND INSTRUCTIONAL SERVICES

                               PERSONAL FINANCE (810910)
                                                            Number of Credits: .5

Students must be sophomores, juniors or seniors. No previous course work is required. Personal Finance fulfills a graduation requirement.

Course Description
Students will develop the skills needed to make sound financial decisions. Topics will include planning your career, payroll and taxes, banking,
credit, financing your first car, insurance, renting an apartment, budgeting, purchasing, and basic economics.

Financial literacy is a key player in the success of your role as a citizen, student, family member, consumer, and active participant in the business
world. This course is intended to provide you with opportunities for self-awareness, expression, and satisfaction in a highly technical and
competitive society.

Course Standards
Standard: 2. Develops career awareness and related skills in order to make viable career choices and become employable in a variety of
business careers.
*Identifies factors that influence income from employment
*Knows how to research and obtain a job

Standard: 6. Understands the principles of law in personal and business settings.
*Describes the purpose of various consumer laws and explains how they affect consumer rights
*Understands the appropriate steps to complaining and can write an effective complaint letter

Standard: 8. Understands business in order to become effective buyers, users, and producers of goods and services in a global economy
*Conducts effective research to make intelligent purchasing decisions
*Understands the strategies and techniques of advertising
*Knows how supply and demand affects the economy and the consumer
*Understands the benefits and risks of using credit
*Develops a monthly budget that includes the investment of disposable income for future benefit
*Maintains a checking account
*Describes the services that different financial institutions provide
*Understands the role of an insurance portfolio throughout a consumer’s life cycle
*Understands taxes and can prepare individual tax forms
*Identifies the advantages and disadvantages of owning a home versus renting
*Identifies the costs of automobile ownership and other purchasing options.
Most essential benchmarks may be viewed at:

Lifelong Learning Standards
 Every student will become a                     Every student will become an effective                     Every student will become a quality
   knowledgeable person.                           communicator.                                               producer.
 Every student will become a complex             Every student will become a self-                          Every student will become a
   thinker.                                        directed learner.                                           contributing citizen.
Lifelong learning benchmarks may be viewed at:

Board-Approved Instructional Materials
Textbook: Joan S. Ryan, Managing Your Personal Finances, 2002, 4th Edition.

Parents as Partners
Please feel free to email me at for any questions you may have. Parents are welcome to volunteer at the Reality Check Day at
the end of each quarter. Please check your student’s progress reports weekly to monitor their progress. Simple conversations at home about topics
discussed in class can enhance learning greatly.
Course Outline
Unit 1:   Career Decisions                               Unit 4:    Credit Management                    Unit 6:   Risk Management
        Choosing Your Career                                    Credit in America                            Property and Liability Insurance
        Planning Your Career                                    Credit Records and Laws                      Health and Life Insurance
        Getting the Job                                         Costs of Credit                      Unit 7:   Consumer Rights and
Unit 2:   Money Management                                        Problems with Credit                           Responsibilities
        Pay, Benefits, etc.                            Unit 5:    Resource Management                          Role of Consumers in a Free
        Federal Income Taxes                                    Personal Decision Making                       Enterprise System
        Budgets and Financial Records                           Renting a Residence                          Consumer Protection
Unit 3:   Financial Security                                      Buying a Home                                Dispute Resolution
        Saving for the Future                                   Buying and Caring for a
        Investing for Your Future                                 Vehicle

Methods of Assessment
The final exam will be cumulative in nature, emphasizing the most essential benchmarks for the course. Results of the final exam represent 20% of
the final grade, but this single measure may not drop a student’s grade by more than one letter grade. The Poster Project and Reality Check Day
performance will be divided into stages or components and each of those will be graded separately, providing students with specific feedback.

Class Participation
Participation and attendance in class are essential to developing excellent business skills. As a result, the following policy will be used. Each student
starts with a participation grade of 100% (which is 20% of the total grade). Each time a student is tardy, 5% will be deducted from participation. For
each truancy or unexcused absence, 10% will be deducted from participation.

Board-Approved Grading Scale
Excerpts taken from School Board Rule 6452

A+ = 98-100%                            B+ = 86-89%                              C+ = 76-79%                              D+   = 66-69%
A = 93-97%                              B = 83-85%                               C = 73-75%                               D    = 63-65%
A- = 90-92%                             B- = 80-82%                              C- = 70-72%                              D-   = 60-62%
                                                                                                                          F    = 0-59%

Make-Up Work
Students submitting work up to ten school days late without prior approval may receive up to two grades lower on the work than they would have
received if the work had been submitted on time (i.e., B+ lowered to A D+). Student work submitted after ten school days without prior approval
shall not be accepted for credit and shall be recorded with a score of zero.

Upon returning to school after an absence, a student has the responsibility within the number of days equal to the length of the absence or suspension
to meet with the teacher to develop a plan for making up missed work, quizzes, and examinations. A truant student has the responsibility on the first
day he or she returns to the course/class to meet with the teacher to develop a plan for making up missed work, quizzes, and examinations. Lower
grades may not be given for late work due to excused absences, suspension, or truancy unless the work is submitted later than agreed upon deadlines.
See Rule 6452 in its entirety at:

Kenosha Unified School District No. 1                                      2                                             Revised
Tremper High School Course Syllabus                                                                                   August 2010

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