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Consumer Ed FCS 230 WF22

Consumer Ed and Personal Finance syllabus
Course

Consumer Education and Personal Finance (FCS 230)

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Students shared 6 documents in this course
Academic year: 2022/2023
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Pittsburg State University

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Department of Family & Consumer Sciences

Pittsburg State University Winter/Fall 2022

Course: FCS 230*01 Consumer Education and Personal Finance Time: MWF 10-10: Location: Grubbs 107 Instructor: Goldie Prelogar Office: 101F FCS Building Office hours (Student hours): MW 9-10 & 11- TH & F 11- Phone: (620)-235- Email: gprelogar@pittstate Email is my preferred form of contact!

I. Context:

According to the Financial Industry Regulatory Authority (FINRA),

“Financial capability cannot be measured simply by looking at one indicator, such as demonstrated knowledge of specific terms or concepts. Instead, financial capability encompasses multiple aspects of behavior relating to how individuals manage their resources and how they make financial decisions (including the factors they consider and the skill sets they use). It is a multi-dimensional concept that requires looking at individual behavior from various angles.”

The National Financial Capability Study (NFCS), most recently conducted in 2015, found that,

“Americans demonstrate relatively low levels of financial literacy and have difficulty applying financial decision-making skills to real life situations.” It is the intent of this course to teach financial literacy and

apply the skills to real life, so that resources are used wisely and financial decisions are demystified.

II. Course Content: Consumer Education & Personal Finance FCS 230 is a financial literacy and capability course that assists in preparation to become an effective consumer and manage personal and family

finances. Students will apply decision-making processes including values assessment, goal setting,

spending tracking; planning for the future and prioritizing wants and needs. Students will be able to

identify how personal and social factors influence consumer choices and how consumers can exercise

their rights and responsibilities. Topics in the area of personal and family finance include consumer protection, budgeting, banking, credit, insurance, savings, housing, investing, retirement, and estate

planning.

III. Pittstate Pathway:

Pillars of the Pitt State Pathway and Learning Outcomes covered in this course: Global Understanding & Civic Engagement: As global citizens, students need a comprehensive understanding of where they live and of the larger, interconnected global system of which they are part. While identifying commonalities among people and places is important, understanding and appreciating the diverse cultural, social, political, economic, and environmental contexts that create differences is crucial. Understanding the role of responsible citizens in their own community and beyond ensures effective and ethical participation at all levels. Biological, physical, and chemical systems form the context for the global environment. Students need to understand how these systems work, how they change naturally, and how these can change as a result of human activities. The implications of these changes are essential for decision-making. Learning Outcome of Pillar: Students will analyze and discuss various aspects of civic engagement and interconnections in our global system.

Pitt State University Pathway Essential Studies Element & Companion Elements covered in this course: Global Understanding & Civic Engagement:

Human Systems within a Global Context – (Benchmark 1) Humans have developed complex systems that structure interaction. It is important to understand how and why these systems developed, change through time, vary by location, and are interconnected at all levels (local/regional/global), and the implications of that interconnectedness.

Competency in this element means: Analyzing the structure, development, and change of human economic, political, social and/or cultural systems over time; (Objective and Evaluation Tools 1, 2, & 7 below) Analyzing the individual’s role and responsibility to society at all levels; (Objective and Evaluation Tools 7 & 13)

  1. Develop a system for keeping and using financial records and legal documents. (ET – Discussion Post)
  2. Summarize the individual’s tax responsibility and the impact on local, state, and national government if taxes are not paid. (ET – Discussion Post)
  3. Understand the social and governmental purpose of taxes and be able to correctly identify personal tax documents and filing information. (ET – exam questions)
  4. Identify the costs and benefits of various types of credit. (ET – exam questions)
  5. Understand the purpose of a credit report, the elements contained, and the role of the three credit bureaus. (ET – Credit Report Assignment)
  6. Describe ways to avoid or correct debt problems. (ET – exam questions)
  7. Compare banking institutions and bank accounts. (ET – exam questions)
  8. Develop a plan for obtaining banking products based on the time value of money and personal financial goals. (ET – exam questions)
  9. Apply personal loan and interest rates to goals such as obtaining a mortgage, a car loan, and business loans. (ET – exam questions)
  10. Be able to apply the correct time value of money formula for different scenarios (specifically calculate: simple interest, compounding interest, future value, present value, and discounting). (ET – exam questions)
  11. Identify common types of risks and basic risk management methods. (ET – exam questions)
  12. Explain the purpose and importance of different types of insurance coverage. (ET – exam questions)
  13. Compare savings and investment options to meet various personal and family goals. (ET – exam questions)
  14. Examine the purpose and importance of retirement planning and retirement plans. (ET – 30 for 30 Broke Evaluation Paper)
  15. Examine the purpose and importance of estate and long-term financial planning. (ET – exam questions)
  16. Discuss how savings and investment contributes to financial well-being and goal achievement. (ET – 30 for 30 Broke Evaluation Paper)
  17. Understand that financial markets are international and interconnected.

Student Assistance: Students needing assistance need to contact the Center for Student

Accommodations: pittstate/office/center-for-student-accommodations/

Syllabus Supplement: pittstate/office/registrar/syllabus-supplement.dot Follow

the link and click on the current semester.

V. Instructional Resources: There is NO textbook. Instead all materials will be Canvas Readings and videos.

Additional Resources, Online videos; readings; Instructional materials

VI. Teaching Strategies:  Lectures  Online materials  Instructional Activities: individual and group  Discussion Groups  Videos  Guest Speakers  Student Projects

VII. Assessment : A. Overall Evaluation is based on:  the students ability to answer questions on objective tests;  the completion and quality of assigned work using the PSU Writing Rubric; and  participation and cooperation in on-line activities.

I reserve the right to add additional or remove/amend assignments from the following list:

B. Evaluation Criteria Values Clarification 75 Real-time Spending 100 Living Budget 50 Canvas Quizzes (5 @ varies) approx 210 Discussions and Online Activities 140 In-class Activities & Participation Points 100 TOTAL 675

Grading Scale: Grading System - grade is based on the total points awarded out of total points possible. I do not round.

A = 90 - 100%; B = 80 - 89%; C = 70 - 79%; D = 60 - 69%; F = 59% and below.

Class Attendance and Instructor’s Policies:

about an assignment or exam grade, the time to ask about it is when you receive the grade, not at the end of the semester when it is too late to learn from it. As such, do not email me at the end of the semester asking me for special consideration, additional extra credit, to review earlier assignments, etc. I would rather that we have these conversations throughout the semester, as that allows us to address concerns in a timely – and more effective – manner.

Academic Honesty You are expected to do and submit your work and not that of others. Please refer to the catalog for the university policy on academic dishonesty. As per the Pittsburg State University Catalog, “Academic dishonesty.. defined as unethical activity associated with course work or grades.” Additionally, “unless otherwise stated by the instructor, exams, quizzes, and out-of-class assignments are meant to be individual, rather than group, work.” A violation of the academic dishonesty policy may result in a grade of F on the assignment, in the course, and possibly dismissal from the university.

Modification to Course Delivery and Class Cancellation Policy: The instructor of this course may modify the delivery of the course or cancel class in the event of the absence of the instructor or due to weather/health-related university closings. Modified course delivery may consist of online instruction and activities through Canvas. Students will be notified through a Canvas Announcement as soon as possible in the event of a modification to the delivery of the course or in the event of a class cancellation.

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Consumer Ed FCS 230 WF22

Course: Consumer Education and Personal Finance (FCS 230)

6 Documents
Students shared 6 documents in this course

University: Pittsburg State University

Was this document helpful?
Department of Family & Consumer Sciences
Pittsburg State University
Winter/Fall 2022
Course: FCS 230*01 Consumer Education and Personal Finance
Time: MWF 10-10:50
Location: Grubbs 107
Instructor: Goldie Prelogar
Office: 101F FCS Building
Office hours (Student hours): MW 9-10 & 11-12
TH & F 11-12
Phone: (620)-235-4512
Email: gprelogar@pittstate.edu
Email is my preferred form of contact!
I. Context:
According to the Financial Industry Regulatory Authority (FINRA),
“Financial capability cannot be measured simply by looking at one indicator, such as
demonstrated knowledge of specific terms or concepts. Instead, financial capability
encompasses multiple aspects of behavior relating to how individuals manage their resources
and how they make financial decisions (including the factors they consider and the skill sets they
use). It is a multi-dimensional concept that requires looking at individual behavior from various
angles.”
The National Financial Capability Study (NFCS), most recently conducted in 2015, found that,
“Americans demonstrate relatively low levels of financial literacy and have difficulty applying financial
decision-making skills to real life situations.” It is the intent of this course to teach financial literacy and
apply the skills to real life, so that resources are used wisely and financial decisions are demystified.

Students also viewed

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