Try the all-new QuickBooks Online for FREE.  No credit card required.

FIN Personal Financial Planning

Document Sample
FIN Personal Financial Planning Powered By Docstoc
					                                 FIN 100-01 Personal Financial Planning
                                         Dr. Dorla Evans
                                           Spring 2008

Administrative Information:

Office:         BAB 350, Phone: 824-6764,
Hours:          MW 10:00 - 11:30, T 2:30 - 5:00, drop by, and by appointment
Web Site:       Personal --
                Course -- (Biographical Sketch available there)


The course is oriented toward students who have no background in finance. The objective is to introduce you to
the major financial decisions you will make throughout your lifetime. You will learn basic terminology and
decision approaches for personal cash budgeting, purchasing a car or home, life and health insurance, personal
investments, and retirement plans. This course, taken seriously, can prevent many financial mistakes over a life
time. That will make the difference between a comfortable retirement and working in your “golden” years.


The required materials are (1) Personal Financial Planning, eleventh edition, by Gitman and Joehnk and (2) my
PowerPoint lecture slides, available on our course website, and (3) an advanced financial calculator, preferably a
Texas Instruments BAII Plus. It is absolutely essential you read the assigned material because half of the exams
will come from the textbook.

Printing out slides: When you are in the Video Lectures window, right click on the title of the slides, and choose
"Save Target As ..." from the menu. After the slides are saved, go to PowerPoint and open the saved slideshow.
When you are ready to print them, select the print option from the File menu to get the options you need. At the
bottom of the print window select "Handouts" from the drop-down menu. ("Slides" is the default and you will end
up with a thousand pages!) And then select either "Grayscale" or "Pure Black and White" to save your colored
ink. I suggest printing out 3 or 6 slides per page.

Grading Components:

Grades will be based on two in-class examinations, a final examination, homework assignments, attendance,
and participation. The exams will be multiple-choice and true-false in nature. Half of each exam will come from
the textbook so don’t forget to do your reading. Old exams are on our website but only use them to test your
knowledge after you have studied for the exam. Grades will be posted within two to three days on the Internet
site as will the correct answers to the exam questions. The final exam will NOT be comprehensive in nature.

                      Exam 1                           25%
                      Exam 2                           25%
                      Exam 3 (Final)                   25%
                      Homework                         10%
                      Attendance                        5%
                      Participation                    10%
                        Total                         100%

Your attendance grade starts with 100%. After two absences, for every class missed your attendance grade will
drop by 10 percentage points. I will call attendance at the beginning of class. If you come in late, it is your
responsibility to inform me that you are in attendance.

Participation will depend upon your asking interesting questions in class and responding to questions and
discussion in class.
Course Policies:

Course grades are based upon an average of all your scores in the course. Exams start at the beginning of the
assigned course time. Note the final exam is at a different time! You will have one hour to complete the
exam. Because I allow you to keep the exams, no one will be allowed to begin the exam after the first person
has left (approximately 15 minutes).

If you let me know in advance that you will miss an exam, I will arrange an oral exam to substitute for the
missed exam. Please don’t ask for an exception to this policy. Although I sympathize with your personal
problems, I cannot give consideration to one person without being unfair to others. Missing an exam results in a

Getting Started with Blackboard:

The Internet course materials reside in software called Blackboard. You will be accessing the software to view
course materials and communicate with the professor or fellow classmates, etc. Go to the Blackboard web site
for the course:


In most cases, your directory UserID will be the first part of your e-mail address (e.g., If you do not have a UAH e-mail address or you do not know what it is, search the
directory at When you find your record in the directory, look for the UID
entry. This is your UserID.

If you've never changed your directory password, then it will be six characters consisting of your first initial, last
initial (both lower case) and the last four digits of your social security number (SSN) (e.g., ab1234). If this
password does not work, try using your full SSN without dashes (e.g., 123456789).
                             Finance 100 – Personal Financial Planning
                                            Spring 2008
                                          Class Schedule

# Classes       Date          Chapter                                  Topic
   1             1/8             --      Introduction to Personal Financial Planning
   1            1/10              1      Understanding the Financial Planning Process
   3          1/15-1/22           2      Developing Your Financial Statements and Plans
   4          1/24-2/5            2      Time Value of Money Financial Calculators Required!
   1             2/7              3      Preparing Your Taxes
   1            2/12             --      Examination 1, Chapters 1-3
   1            2/14              4      Managing Cash and Savings
   2          2/19-2/21           5      Making Automobile and Housing Decisions
   1            2/26              6      Using Credit
   1            2/28              7      Using Consumer Loans
   1             3/4              8      Insuring Your Life
   1             3/6              9      Insuring Your Health
   1            3/11             10      Protecting Your Property
   1            3/13             --      Examination 2, Chapters 4-10
   2          318-3/20                   Spring Break!
   5        3/25-4/3, 4/10      11-13    Managing Investments
   1             4/8                     Honor’s Day – No Class
   3          4/15-4/22          14      Planning for Retirement
                4/29             --      Final Examination, Chapters 11-14, 8:00 a.m. -- 10:30 a.m.
                                         Code of Classroom Etiquette

This Code of Classroom Etiquette is established to foster appreciation for a classroom environment that
enhances the learning experience for students and professor. Attention to the code will add value to the course
by creating a more meaningful and constructive discussion. Students, therefore, are expected to demonstrate
classroom etiquette based on the following principles:

I. Attendance:

Students are expected to attend every class throughout the term. Students should use mature judgment in
determining whether they must miss class.

II. Punctuality

Students are expected to arrive for class on time so that the professor may start and end the class according to
schedule. Students arriving late should be as quiet as possible and take a seat close to the door. A pattern of
lateness will affect students’ final exam grade.

III. Exiting and Entering

Students are expected to remain in the classroom for the duration of the class. If a student must depart early
due to unavoidable circumstances, the student should inform the instructor before class. Leaving and re-
entering the class is not permitted except in the event of an emergency.

IV. Disruptive Behavior

Students should demonstrate respect for the professor and fellow students during the class period. Students,
therefore, should refrain from distracting behavior such as disruptive eating, using laptops to surf the Web or
check e-mail and holding side conversations. Ringing cell phones are considered disruptive.

V. Respect the Facilities

Students are expected to help maintain the appearance of the classroom. No soft drinks are allowed in the
classroom, but water is fine. After class students should discard all trash.

In essence, the Code emphasizes respectful behavior in the classroom that contributes to the enhancement of
the learning experience at the University of Alabama in Huntsville.

Shared By: