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=Welcome to Personal Finance=

-- you will be using this wikispace to find most of your assignments, projects, links, and assessments. So, add this page to your bookmarks.
__**Course Introduction:**__ Personal Finance is one course that you will use for the rest of your life -- whether you are working a job in high school, buying a car, paying off a student loan, or saving for retirement you will need to know the information being covered in this course. It is as "Real World" as it gets.


 * Personal Finance Course Sheet/Current Event Format Sheet: **




 * Personal Finance Packet: **


 * The Good Life:**


 * Current Event Evaluation:** Take the time to read another student's current event from this week. Open a blank MS Word document and respond/reflect on the following questions. When you are done -- print off your reflection, staple it to the student's current event and turn it in to your teacher. Spell check your answers and write in complete sentences.

1. What is the main point of this article?

2. How does this article pertain to the checking account and/or budgeting unit?

3. Reflect on how this article impacts you or relates to you financially. If you do not think it relates directly to you, how would a consumer benefit from reading this article?


 * Personal Finance Pre-test:** You’ve probably heard that high school seniors aren’t doing too well in their knowledge of personal finance with high school seniors scoring just over 50% of the answers correctly (52.4%) on the latest Jump$tart Financial Literacy test. To be fair, however, you should give yourself the test and see how you do, too.

Click on the link and see how you do in comparison -- this is not graded, but it will give you a basic idea of your personal finance background knowledge. Pre-Test

We will retake this assessment on the last day of class, as well. And see what you have learned throughout the term.


 * When Will I Become a Millionaire?**

Millionaire Maker Calculator


 * Career Research Paper: Links and Resources**


 * Career Path Video**

Career Information Site

WisCareers Site -- get login and password from me.


 * Career Research Paper Handout/Requirements:**

VIRTUAL BUSINESS--PERSONAL FINANCE

 * [|Virtual Personal Finance]**

1. Go to link above 2. Click on Register Now and complete form 3. Course Key: CU9RJ3 4. Use school email address 5. Check email in three minutes to see if you received and email from Knowledge Matters 6. Click LOG IN 7. Click link for PHS-PF-T4-2013 8. Begin working on first assignment...Yes, the Tutorial...then Lesson 1 and so on. 9. Make sure to click LOG OUT when you are finished.
 * Steps to Get Started:**

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= Pay, Benefits, and Working Conditions: (Book Chapter 6) =


 * PPT Notes on Payroll, Benefits, and Unions**




 * Handouts/Assignments:**

April 8, 2013 Assignment:

April 9, 2013 Assignment

Stop Here....




 * State Withholding Tax Tables Link: **

http://www.tax-tables.com/withholding.html -- pages 16-40 of PDF file.


 * Federal Withholding Tax Tables File:**



= Budgeting and Financial Records: (Book Chapter 8) =

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 * Budgeting Video:**


 * Extreme Couponing -- Ways to Cut Your Budget:**

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 * Practical Money Skills Comparison WS**

=Budgeting Project: For April 12, 15, 16 =




 * Budget Template for Individual Budgeting Project:**




 * Suggested Budgeting Percentages for Individual Budgeting Project:**




 * Mortgage Calculator: (If purchasing a house for budget project)**
 * **10% down payment**
 * **0% tax**

[]

add property taxes to total monthly payment. $17.00/per $1,000.00 of HOME value, not LOAN amount


 * Car Payment Calculator: No down payment, no trade in. If buying new, use the interest rate in the calculator. If buying used, change it to 6.5%.**

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 * Book Reflection Questions -- Who Succeeds/Spending Control**



Checking Account Unit:

 * Notes/Discussion:**


 * Bank Reconciliation Practice WS #1:**


 * Bank Reconciliation Practice WS #2:**


 * Bank Reconciliation Challenge WS:**


 * Checking Account Web Quest:**




 * Banking Services Web Quest:**




 * Credit Unit:**

Credit Scores PPT:

Credit Scores Assignment: Either print out and write on or type directly on the assignment


 * True Life: I'm in Debt:**

http://www.mtv.com/videos/true-life-im-in-debt/1635068/playlist.jhtml


 * The Card Game -- Video Link:** http://www.pbs.org/wgbh/pages/frontline/creditcards/view/


 * The Card Game -- Worksheet:**


 * Shopping for A Credit Card : PPT**


 * Comparing Credit Cards:** Print off one sheet and compare two different credit cards. Use the Internet to search for information on two different types of cards.

Use the following site to compare credit cards -- pick //**one**// from //**two different**// categories.

http://www.creditcards.com/


 * Credit Review:**


 * How Much Does it Really Cost?**




 * Credit In America -- Good VS Bad**




 * Teens and Debt -- Current Event Article 3/9**




 * Oprah's Debt Diet **

The WS below will give all the details you need to be successful when completing the budgeting simulation.

Use this spreadsheet to complete the budgeting simulation.


 * Insurance Unit/Presentations:**


 * Insurance Book Assignment:**


 * Page 620 Questions 1, 2, 5, 6
 * Page 640 1, 6, 9, 12, 16
 * Page 661 2, 4-6, 8, 14, 15, 17

=**Investing Unit:**=


 * Introduction to Investing**


 * The Rule of 72**


 * Rule of 72 WS**

Applying what you've learned...


 * Answer Packet -- PRINT OUT ONLY 11-13.**


 * INVESTING MATH REVIEW -- Print off and complete for Quiz.**

=**Insurance Unit:**=


 * Groups:**


 * Risk Management**--Barden, Mills, Neale, Ni. Salter, Mootz (present on Wednesday)
 * Property/Home/Renters--**Clark, Moyotl, Rowinski, Zeciroska (present on Friday)
 * Auto--**Harkins, Hill, Hunkel, Smith (present on Wednesday)
 * Health--**Beck, Eickhoff, Janczewski, Na. Salter (present on Friday)
 * Disability/Life--**Corbett, Lehman, Timme, Rottiger, Swan (present on Friday)


 * Project:**
 * //The textbook will assist you with this project, but don't limit your information to only the textbook. Use the internet and other sources to enhance your project.// **


 * Stocks:**


 * Basics of Stocks PPT: Take notes after quiz today. Turn in handwritten notes. We will go over them tomorrow in class and will work through stock formulas in class.**






 * Stocks -- Worksheets: Print off each sheet and staple them together.**








 * Stocks Information Packet:**


 * Final Exam Review: Print off and complete to prepare for Final Exam.**