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Personal Finance Reading and Comprehension, Math, and Sim Game! (Flex/Semester)
Class experience
This semester flex course will cover time and health management, finding a job, paying your taxes, education and advancement, finding an apartment, buying a car, shopping, budgeting and saving, choosing and balancing a checking account, using online banking, getting a credit card, fixing your credit, intro to investing, risk vs. return, diversification, investing for retirement, buying a home, and insurance . This course will be filled with hands-on learning! My course is a great way to...
Students will be able to: Week 1: Simulation Tutorial and Math Concepts Reference -Understand how the course works and how the simulation is played -Review math concepts (percentages, compound growth, probability & statistics, single variable equations, geometry) Week 2: Time Management and Health -Monitor Key Health Factors -Allocate Time and Make Smart Purchases to Improve Health -Plan and Alter Schedules to Allow Them to Balance Health, Work and Educational Goals Week 3: Finding a Job -Research and compare potential job openings -Understand how experience and education qualify them for different levels of jobs -Understand how payroll taxes and income tax deductions cause their net pay to be less than their gross pay -Understand that some jobs provide health insurance and some don’t -Experience how working at one job can give them the experience necessary to get a better paying job with more benefits Week 4: Paying Your Taxes -Read and identify key information on a W2 wage and tax statement -Read and identify key information on a 1099-Int interest statement -Fill out a 1040 form -Use a tax table to compute tax owed -Compute whether they owe tax or should receive a refund Week 5: Education and Advancement -Research job opportunities and determine what education is needed to obtain specific jobs -Understand the importance of education in furthering their careers -Understand how student loans work -Analyze the cost of particular courses and determine how quickly an investment in education is likely to pay back Week 6: Finding an Apartment -Understand how apartment location, transportation, and their schedule must work together -Compare costs of different apartments, including related costs such as transportation -Explore different apartments in order to facilitate a schedule that accomplishes their goals Week 7: Buying a Car -Assess the type of car they can afford based on income and expenses -Compare the cost of buying vs. leasing a car -Understand key elements of a car loan, including down payment, monthly payment, and term -Understand auto insurance, including mandatory coverages, optional coverages, and deductibles Week 8: Shopping -Identify and purchase goods that help their productivity, and therefore, improve their financial security -Understand how to comparison shop to get the most for their money -Understand how to utilize periodic sales to expand their purchasing power Week 9: Budgeting and Saving -Read a pay stub and understand gross pay, payroll deductions and net pay -Estimate monthly income and expenses based on their pay stubs and their bills. -Determine whether they expect a surplus or deficit in their budget. -Read a bank statement to determine their actual income and spending and to compare that to their budget. -Understand how to open a savings account. -Recognize the importance of saving money for an emergency fund. Week 10: Choosing and Balancing a Checking Account -Understand that cashing checks without a checking account can be costly. -Correctly enter deposits (credits) in a check register. -Correctly enter expenditures (debits) in a check register. -Balance their checkbook against a recent bank statement. Week 11: Using Online Banking -Understand how online banking can help them manage their finances more effectively and efficiently. -Understand how to check account balances. -Understand how to set up and monitor recurring bill payments. -Understand how to transfer money between accounts. Week 12: Getting a Credit Card -Understand APR, credit limits, and credit card fees. -Compare credit card offers. -Understand the benefits of paying off a credit card bill fully. -Understand how quickly finance charges and late fees can raise the amount owed on a credit card. Week 13: Fixing Your Credit -Read a credit report and identify problem areas. -Understand the impact of poor credit on major purchases such as an automobile. -Understand how paying off overdue bills will improve their credit score. -Learn to build a good credit history by using credit responsibly. -Understand the concepts of a credit score, including what constitutes a good and a bad score. Week 14: Intro to Investing -Understand how to invest in FDIC-insured savings accounts. -Understand how to compare money market funds. -Understand yield, loads, and expense ratios. -Understand that returns on mutual funds vary over time. Week 15: Risk vs. Return -Understand the difference between a money market mutual fund and a stock fund. -Compute percentage return based on the beginning and ending value of an investment. -Understand the concept of volatility (risk) in an investment. -Grasp the relationship between risk and return in investing. Week 16: Diversification -Understand the concept of diversification in investing. -Understand that diversification can reduce risk while maintaining return levels. -Compute risk (volatility) of individual investments vs. their entire portfolio. -Use diversification to reach an investment goal. Week 17: Investing for Retirement -Understand that the tax code offers incentives to save for retirement. -Understand the concept of a 401K plan. -Understand company matching in a retirement plan. -Understand how tax-advantaged retirement plans can help them reduce current taxes and make their investments grow over time. Week 18: Buying a Home -Understand how key percentages are used to determine how much housing expense a person can afford based on their gross income. -Understand how other loan payments affect how large a mortgage they can get. -Understand PMI and how it relates to down payments. -Understand points and how they relate to interest rates and monthly payments. -Understand how the term of a mortgage affects monthly payments and total interest paid. Week 19: Insurance -Understand the importance of insurance in protecting themselves financially. -Understand what a deductible is and how it relates to premiums. -Understand how premiums vary with coverage sought. -Understand how medical insurance works and the relationship between co-pays, deductibles and premiums. Week 20: New Career Project -Manage their time to achieve a healthy, prosperous balance. -Find employment and pay bills effectively. -Understand how to use banking, debit cards, and credit cards wisely. -Use higher education to advance their careers. -Use insurance to reduce financial risk. -Invest wisely to build wealth without taking on undue risk. -Understand home ownership and opportunities in real estate investment.
I am from the United States and have been teaching various business, marketing, and finance courses for 13 years. I have taught both at the high school and collegiate level. I teach both in person and online but online is my favorite! I have a Bachelor's degree in Marketing and Business Information Technology Education, a Masters in Business Administration and a PhD in Online Education. I am very excited to work with all of you through Outschool!
Homework Offered
Assessments Offered
Reading Quiz Math Quiz Simulation ScoreGrades Offered
Hi! I'm Dr. Brooke. I'm from Utah (United States). I teach business classes both face to face and online. I've been teaching Financial Literacy, Marketing, and Business Classes for 15 years. I have a Bachelors degree in Marketing and Business...
Flex Class
$5
weekly or $100 for 20 weeks20 weeks
Completed by 4 learners
No live video meetings
Ages: 12-17