9th Grade Economics & Finance

9th Grade Economics & Personal Finance

Text: Understanding Consumer Finance

2007 Edition

Course Description

This is a course designed to teach students about current financial systems

and practical financial units. Units of study include: Planning and starting

to Understand your Career, Insurances, Checking and Budgeting, The Cost

of Credit and How to be a Wise Credit Consumer, Saving for the Future, Consumer

Purchasing, and Money Management. This is a practical class for the 9th grade.

Course Grading

Grading will based on the straight percentages given below.

A 94%+ C 80-82%

A- 92-93% C- 78-79%

B+ 90-91% D+ 76-77%

B 87-89% D 73-75%

B- 85-86% D- 70-72%

C+ 83-84%

Test Grades in this class account for 75% of your overall quarter grade.

Daily Work that is assigned is all graded. I don’t assign work that I don’t plan to grade. This makes up 25% of your grade

If you do the daily work and give an honest effort each day you will not fail. Those that simply try to get by will fail.

If you miss the day of a test you must make that test up in 2 days or you will receive a zero. The makeup test is always a different test and is all completion.

Daily work that is not turned in on time is not counted. If you show up for work late, chances are you won’t be their too long. Be prompt.

With good people skills, all in life is negotiable. Act like an adult and that is how you will be treated.

Course Material

Career Unit 100 points

Chapter 1…Choosing your Career

Chapter 2…Planning your Career

Chapter 3….Career Exploration

Requirements: Resume/Letter of Application/References

Completing the MNCIS Portfolio

Budgeting your $ and Checking Accounts

Chapter 8…Budgets and How they Work

Chapter 9…Checking Accounts and Other Banking Services

Requirements: Analyzing your Spending Habits

Practical Workset with Checkbooks/Debit Cards

Unit Test 100 points

Saving & Investing for the Future

Chapter 10…Saving for the Future

Chapter 11…Investing for Your Future

Chapter 12…Stocks

Chapter 13…Bonds

Requirements: Playing the Statewide Stock Market Game

The Stock Super Bowl

Visiting our Local Banks

Unit Test 100 points

Understanding Credit Unit

Chapter 16…Credit in America

Chapter 17…Credit Records and Laws

Chapter 18…Responsibilities and Costs of Credit

Requirements: Buying a Car with Local Dealership Visits

Planning a Family Vacation and Determining Finances

Planning a Wedding, Event, or Purchase.

Unit Test 100 points

Insurance Unit

Chapter 25…Introduction to Risk Management

Chapter 26…Property and Liability Insurance

Chapter 27…Health and Life Insurance

Chapter 28…Automobile Insurance

Requirements: Buying a Car and Calculating the Total Cost of Car Ownership

Unit Test 100 points

Academic & Behavioral Expectations

· This is a working environment. If you don’t plan to work, don’t plan to pass.

· I don’t tolerate interruptions. You must be prepared.

· Come with the needed tools for success. Each time you are unprepared, you lose.

· 3 tardies and you lose 1/3 of a grade. If your tardy interferes with my plans, you lose 1/3 of a grade immediately.

· Act like an adult.

· I like to joke around and will. I like to work hard and will. Know the difference.

· If you are given time to work in class do so, otherwise you will not be given time.

· I have a sincere passion for what I do. If you respect me, I will respect you.

· If you miss more than 12 days you fail.

Other Really Important Stuff...

+ Always remember, you are unique, just like everyone else.

+ Depression is merely anger without enthusiasm.

+ Eagles may sore, but weasels don’t get sucked into jet engines.

+ The early bird may get the worm, but it’s the second mouse that gets the cheese.

+ Someday we’ll all look back on this and plow into a parked car.

Ask yourself This...

+ Do Roman nurses refer to IV’s as 4’s?

+ If corn oil comes from corn, where does baby oil come from?

+ If a turtle gets stuck on a fence, he probably didn’t get there by himself.

+ Are half of all the people below average?