Madison High School Course Expectation Sheet
Instructor: Mr. Maseker
Phone: (973) 593-3117
Office Location: Madison High School
I. Course Description
Personal Finance is the most practical course at MHS. The objective of Personal Finance is
to introduce students to various fundamental financial concepts to enable them to elevate
their financial competency. Concepts discussed include; Budgeting, Net Worth Statements,
Credit, Banking Services, Check-writing and Reconciliation, Taxes, Investments and Risk
II. Course Proficiencies
Upon completion of Personal Finance, students will be able to:
a. Utilize Excel to create a budget, expense tracker and net worth statement.
b. Properly write checks and reconcile their checkbooks.
c. Understand basic banking services.
d. Research CD’s to determine best interest rates by maturity.
e. Define the difference between stocks/equity and bonds/debt.
f. Understand various stock indicators including; P/E Ratios, 52 wk hi & lo and
historical price movements.
g. Research individual companies and purchase stocks for individual stock portfolios.
h. Track and update stock portfolios.
i. Understand primary taxing entities; local, state and federal.
j. Determine state and federal income tax tables.
k. Explain the importance of risk management.
III. Required Text & Materials
Wall Street Journal Classroom Edition
IV. Classroom Expectations
Students are expected to actively participate in classroom discussions, as well as, complete required
V. Grading Policy
Tests/quizzes = 50%
Wall Street Journal Case Studies = 10%
Weekly Class Assignments = 30%
Class Participation/Contribution = 10%
(A=Excellent Work, B=Good Work, C=Satisfactory Work, D=Poor Work, F=Unsatisfactory Work)
VI. Late Work & Make-up Policy
Students are required to submit work in a timely manner. Missed assignments, due to absences, are
the student’s responsibility and are due the day after the student returns to class.
VII. Class Participation
Students are expected to participate and contribute to a dynamic learning environment.
VIII. Major Assignments
Stock Market simulation
IX. Teacher Availability
Mr. Maseker is easily accessible in room B-10 or C-17.