Course Syllabus

FIN 2100 Fall 2021

I. COURSE NUMBER

FIN 2100 (no prerequisites)

II. COURSE TITLE

Personal Finance and Investments (a 3 credit hour class)

III. INSTRUCTOR

Paul P. Gregg M.S.A. C.P.A.

Executive in Residence/Senior Instructor

Department of Finance and Dr. P. Phillips School of Real Estate

1. OFFICE

Business Administration Building 1, 4^th Floor, Finance Department Suite, Room 428.

1. E-MAIL

Instructor will use the Canvas e-mail tool.  Any messages to individual students or to the class will be sent via Canvas.  Students are responsible for checking their MYUCF and class email messages on a timely basis, especially if there are major issues impacting the course (e.g. Canvas going down on a quiz due date, a campus closing due to hurricanes etc.) so be sure to check for messages each time you log on to MYUCF.  The instructor will attempt to return email messages within one business day. Any emails sent to the instructor’s UCF email address will not be answered in a timely manner and, when read, the student will be asked to resend the email via Canvas as directed above.

When sending messages to the instructor, please provide an appropriate subject to help expedite the response e.g. “Chapter 12 Homework Question 3”. 

1. PHONE

Office 407-823-3156     Fax 407-823-6676

VII. OFFICE HOURS

Monday and Wednesday 12:00 – 1:15 pm and 3:00 - 5:00 pm

Or by appointment or via Canvas email

VIII. CLASS SCHEDULE

Section 0001

Monday and Wednesday:       1:30 p.m. – 2:45 p.m.

Classroom Building 2 (CB2 room 0106)

• TEXTBOOK

Focus on Personal Finance Kapoor, Dlabay, Hughes 7th Edition

ISBN 978-1-260-77237-1 (bound edition)

ISBN 978-1-264-11197-8 (loose-leaf edition)

This is the cheaper and more condensed version of the larger textbook previously used in the class, Personal Finance by the same authors. 

Used versions of the complete Personal Finance textbook (11 - 13th editions) would be acceptable for the class.

Students are encouraged to purchase the book online or rent the book.

• SUPPLEMENTS
  
  • Required

Students are required to have access to a computer and internet services to allow them to login to MYUCF.   This Canvas course should be viewable once you logon to MYUCF.  All lecture materials and homework quizzes will be taken on Canvas.  Midterm and final exams will be taken at the College of Business Testing Lab (BA2).

This class also requires that students have a Hewlett Packard HP10BII+ (or 10BII) financial calculator.   The calculator is available at either the campus bookstore, Amazon, or office supply stores.  The class will cover time value of money concepts and teach you how to calculate a mortgage or auto note payment and how to perform numerous other financial calculations related to your money. Further, this is the same calculator required for FIN 3403, the introductory finance course required for all business majors.

• • Not Required

McGraw-Hill’s "Connect Personal Finance" which is an additional resource to accompany your text.

• COURSE OBJECTIVES

The objective of the course is to develop financial literacy skills by first exposing students to a broad overview of federal and state government policies and institutions impacting consumers and their money.  The broad issues will then be translated into how individuals should manage their personal finances once they understand the big picture.

• • Fiscal Tax Policy

The structure of U.S. federal income and estate tax policy including recent changes in federal tax law; the impact of U. S. tax fiscal policy on the economy, the relationship between  the federal spending programs (including entitlements), the federal deficit and interest rates; how fiscal policies impact individual citizens and their personal finances.  The link between fiscal/social policy initiatives and tax laws (e.g. Cares Act).  A comprehensive overview of Form 1040 will be discussed. 

• • National Health Care Policies

Overview to the U. S. health care system; issues surrounding the current system of health care in the U. S. including Medicare and Medicaid; recent government and employer actions taken to address health care issues and the impact on personal finances (e.g. the Affordable Care Act and proposals to reform Medicare). Understanding health care options offered to employees including disability and long term care insurance.

• • National Retirement and Savings Initiative Policies

The structure and background of Social Security and issues surrounding the current system; recent trends in national retirement policies including various programs initiated by the government to encourage citizens to save money for their retirement (401-K plans,/SECURE Act) and their children's college education.

• • Monetary Policy and the U.S. Banking System

Overview to the Federal Reserve and the U. S. banking system and the impact of policy changes on individuals and their finances. An overview to federal bankruptcy laws and issues impacting individual bankruptcy.  The components of interest rates and how the Treasury Yield Curve sets consumer interest rates and can predict changes in the economy.  Applying interest rate basics to better time borrowing and refinancing of debt as well as investments in fixed income securities.

• • National Consumer and Investor Protection Policies

An overview of government agencies responsible for consumer protection and existing policies and laws protecting consumers in their dealings with the financial services industry.  An overview of regulatory agencies protecting investors and recent initiatives to protect investors and improve securities market regulations.  Student loan basics along with the impact on students finances later in life.

• • State Government Policies

The structure of insurance regulation, state probate, property title, and health care directive laws for various states including issues surrounding state laws vs. federal laws.

Students will be well versed in domestic policy issues impacting their individual finances, and will be knowledgeable how future policy changes would impact them as individual citizens.  

Students will be taught the financial skills necessary to manage their personal finances throughout their lifetime and build sufficient wealth through saving and investment skills.

• UNITS & DETAILED OBJECTIVES

Financial Planning

Analyze the process for making personal financial decisions; Develop personal financial goals in view of an individual's background and emotions related to money, debt, spending habits, risk taking etc.; Assess economic factors that influence financial planning; Determine opportunity costs associated with personal financial decisions; Identify strategies for achieving personal financial goals for different life situations; Understand the financial aspects of marriage and divorce including prenuptial agreements. Understand solve basic time value of money (TVM) concepts used in personal finance.

Consumer Purchasing

Assess the financial implications of consumer purchasing decisions; Evaluate the alternatives in consumer purchasing decisions; Implement strategies for effective purchasing and how to evaluate product pricing schemes; Understand the economics of operating an automobile and how purchasing decisions (new vs. used, buy vs. lease) impact the operating cost per mile; Identify steps to take in resolving consumer problems; Evaluate legal alternatives available to consumers.  Evaluate auto loan financing (e.g. 0% financing vs. cash rebate) and the economics associated with prepaying for certain goods and services at a discount.

Career Planning

Describe the activities associated with career planning; Evaluate factors that influence employment opportunities; Implement career search strategies; Assess the financial and legal issues related to employment, including a financial assessment of benefit packages (insurance/retirement plans); Analyze the strategies available for career growth and advancement.  Understand and evaluate pretax and after tax employee benefits.

Housing

Evaluate housing and renting options; Understand the process of buying and selling a house including drivers of mortgage rates, the credit approval process and costs associated with home ownership; Evaluate mortgage options, interest rate differentials, points, fees and risks associated with various mortgage products; recognize when refinancing is appropriate and understand the economics of refinancing.

Budgeting/Records/Financial Statements

Develop personal financial statements and understand how financial decisions impact net worth; Review personal budget targets; Calculate savings needed for achieving financial goals. Learn best practices for maintaining and backing up records.

Insurance

Develop a risk management plan using insurance; Explain insurance coverage for homeowners and renters; Identify important aspects of auto insurance and factors impacting premiums; Understand various forms of health insurance including coverage, exclusions, and procurement methods; Explain the mechanics of disability and long term care insurance and recommended levels of coverage; Explain national issues surrounding health care and the Patient Protection and Affordable Care Act, Medicare and Medicaid and how they impact individual decisions on health care; Define various life insurance products and calculate life insurance requirements at various stages of the life cycle; Distinguish between various insurance and annuity products and their cost/benefits. Develop skills to intelligently select among various options provided during employer open enrollment periods each fall.

Tax Planning

Explain major aspects of individual income tax law, including recent fiscal policy changes as they impact the individual taxpayer; Calculate taxable income and amounts due for federal taxes; Identify tax planning opportunities and strategies, including tax rules related to investments; Explain the difference between 1) tax deductions vs. credits and 2) tax avoidance vs. tax evasion and ethical issues surrounding taxes.

Investments

Establish an investment program and personal asset allocation model at various stages of the life cycle (especially for 401-K investments); Understand historical returns on various investments and related risks associated with these investments (and investor protections provided by law e.g. SEC regulations); Distinguish between common stocks, preferred stocks, fixed income securities, and more speculative investments including features of each; Calculate returns on various securities; Understand the mechanics and pros/cons of investing in mutual funds and ETFs, including an assessment of a prospectus and mutual fund performance and fees.  Develop a basic understanding of how to reduce risk through portfolio allocations, and know the appropriate mix of securities (e.g. equity vs. fixed income) based on the age and needs of the investor.  Understand the issues surrounding active vs. passive (index) investments management and how fees can impact future returns.

Real Estate/Alternative Investments

Identify types of real estate investments and the benefits and risks associated with real estate and how these investments fit into a diversified portfolio (e.g. REITs).  Understand other asset classes (commodities, options, etc.) and the benefits and risks associated with alternative investments.

Marriage and Money

Discuss money issues that arise during marriage and strategies for building wealth as a couple.  Financial issues surrounding divorce are also covered.

Financial Services and Consumer Credit

Understand the banking system and various financial products available to individuals; Identify sources of credit, including credit cards, and the pros and cons of various types of financing; Calculate interest using various methods used by the industry; Understand credit ratings and how to improve one's credit scores; Discuss problems associated with debt and how to resolve excessive debt problems; Distinguish between appropriate and inappropriate levels of debt including student debt; Demonstrate a knowledge of bankruptcy law and the related pros and cons of filing bankruptcy.  Understand major aspects of consumer protection laws (e.g. Dodd Frank).

Retirement Planning and College Savings

Develop a savings plan to provide for retirement; Discuss various forms of retirement savings options, including IRAs, social security, and employer sponsored plans (e.g. 401-K plans); Assess issues surrounding social security; Identify methods available to save for a child's college education, including Section 529 plans; Understand how to allocate portfolio investments between taxable, tax deferred and tax free accounts. Estimate required savings in order to have a sufficient amount to retire (and not out live the money). Calculate a growing annuity and understanding why this annuity is appropriate for retirement withdrawals.

Estate Planning

Demonstrate a knowledge of federal estate and gift tax law. Understand the importance of wills, minor children guardian designations, durable powers of attorney, living wills and how they fit into a personal financial plan; Identify estate planning techniques, including the use of trusts.

• CLASS OVERVIEW, HOMEWORK AND EXAMS

A timetable for each scheduled lecture, class holidays and exams is included below at the end of the syllabus (you can also click the "Schedule" button on the home page).

Preparing for Class Lectures
 

Read the chapter and PPT slides before each lecture.

You can find the PowerPoint slides used for the course and any supporting materials used during the lecture in the Modules listed under each chapter.

Canvas

FIN 2100 is a Canvas enhanced class.  For each of the modules, you will need to go the Canvas site for this class. First go to the "Content" button and then click the "Modules" button. Next click on the chapter being covered.  To access your Canvas classes, simply log on to MYUCF (the link is https://my.ucf.edu/ ) where all of your Canvas classes will be listed. If you have problems with Canvas, please call 407-823-3808 or visit the reach home page noted above for assistance. You can also call the Help Desk at 407-823-5117 or visit them in the basement of the Library.

Web Work

In order to support the material presented in each chapter, you will be directed to a financial web site to obtain more information. Once you graduate, many of your personal finance needs, from getting a mortgage to trading online, can be handled using internet websites. Web work is designed to expose students to various sites and support the chapter learning objectives.  You must complete the web work in order to answer a few of the homework questions,  Web work is not turned in, but rather must be done to answer some homework quiz questions. Always complete the "Web Work" before opening the homework quiz so that you can obtain the answers required for the homework assessment (quiz). Also review any homework illustrations listed under the module. Next complete the homework assignment/quiz using the Canvas tool. You may review past quizzes at any time. Simply click on quizzes, then select your attempt you wish to review.

Homework (20% of your grade)

Homework quizzes are found under the "Quizzes" button.  There are normally 10 multiple choice questions for each chapter and you will have four hours to complete the ~20 minute quiz once you begin. The quizzes include some randomly selected questions on a particular topic, and answers are randomly ordered for each student.  Upon opening the exam, you will have 4 hours to submit it for grading.  In the event that you exceed the 4 hours limit, Canvas will not allow credit for that quiz (so pay attention to the Canvas clock at the top right of the quiz). Only ONE attempt is allowed for chapter quizzes.

All faculty members are required to document students' academic activity at the beginning of each course. In order to document that you began this course, students will need to complete the Syllabus Quiz by the end of the first week of classes, or as soon as possible after adding the course, but no later than Friday of the first week of classes. Failure to do so may result in a delay in the disbursement of your financial aid. Two attempts are allowed on this quiz with the highest score counting.

Additional non-graded practice questions related to each chapter are posted under each module (see additional study questions).

The lectures will cover the material necessary to answer the questions. It is generally best to watch the recorded lecture and attend the live zoom session, and then do the homework/quiz. However, pay close attention to the due dates to be sure that you don't miss the cutoff date. The due dates have been designed to ensure that you don't get behind and are prepared for each midterm.  For quizzes closing near midterm dates, students should email the instructor with any questions after they complete the quiz and prior to the midterm becoming available.

There is one quiz, "TVM", which is available throughout the semester and worth 20 points (10 questions worth 2 points each).  This quiz has over 200 randomly generated time value of money (TVM) questions, and students can improve their TVM skills by taking this exam frequently.  Every quiz attempted will be different.  For this quiz only, the highest score will count, and students have unlimited attempts at taking the exam.  Students are encouraged to continue to retake the quiz even if they receive a high or perfect score, since the highest grade achieved will count.  This quiz will be reopened after each midterm and is available throughout the semester.

Once the time limit has expired, you will not be able to complete the homework, and will be assigned a "0" for that chapter.  Selected homework problems may be reviewed in next class after the due date.  Students missing their homework will not be able to access homework questions on Canvas and will need to contact a classmate for a copy.  Please allow sufficient time in advance of the deadline to complete the quizzes, as you should anticipate periodic network problems with Canvas, family emergencies, internet interruptions etc. when setting your schedules for completing this work.

Mechanical problems or other issues related to taking a quiz, or  mid-term or final exam must be promptly brought to the instructor's attention within 48 hours via Canvas email, otherwise exams/quizzes will be considered final.   

POP Quizzes

There are no pop quizzes for this class.  Old pop quizzes are posted in the modules for study purposes only.

The Chapter 16 quiz has been expanded and is worth 30 points (these questions were taken from the old Chapter 16 pop quiz).

• Exams (80% of your grade)

Students will be given two midterm exams (each worth 20% of your grade), and one comprehensive final exam (worth 40% of your grade).  The midterm exams consist of 50 multiple choice and true false questions worth two points each.  The final exam consists of 75 questions.  The first part of the final (50 questions worth two points each) will cover Chapters 14 through 19 with a total point value of 100 points (this will be similar to the first two midterms).  The last part (25 questions worth 4 points each) will cover all chapters.  The final exam will be held on the last day of class for the B term.

WITH RESPECT TO ALL EXAMS, STUDENTS ARE RESPONSIBLE FOR MATERIAL IN THE TEXTBOOK, MATERIAL PRESENTED DURING THE LECTURES, AND RELATED MATERIALS POSTED IN THE CANVAS MODULES. IF YOU MISS CLASS OR A QUIZ, STUDENTS ARE RESPONSIBLE FOR OBTAINING NOTES FROM A FELLOW STUDENT.

• CALCULATING YOUR GRADE

The following summarizes how grades are calculated:

Item	Number of Questions	Covers	Weight	Points Possible
Midterm 1	50 @ 2 points each	Chapters 1-7 with TVM	20%	100
Midterm 2	50 @ 2 points each	Chapters 8-13 with TVM	20%	100
Final	50 @ 2 points each 25 @ 4 points each	Chapters 14-19 with TVM (first part of exam) All chapters (second part of exam)	40%	200
Homework	Various	Syllabus quiz, 19 chapters, TVM quiz	20%	100
Totals			100%	500

 

Homework quizzes count as 20% of your grade. There are 20 homework quizzes (a syllabus quiz plus 18 chapters with each quiz worth 10 points, plus the TVM quiz worth 20 points and the Chapter 16 quiz which is worth 30 points), for a total of 240 points. To calculate your score, take your homework points divided by the total possible times 100.

Illustration of How to Calculate Your Grade

Here is an illustration on how to calculate your grade:

Item	Points	Percentage	Points
Midterm 1 (with any curve points)	80/100	80%	80
Midterm 2 (with any curve points)	90/100	90%	90
Final exam (with any curve points)	192/200	96%	192
Homework quizzes (assume 266 total points, this may vary)	240/266	90.2%	90.2
Totals			452.2/500 = 90.4% A minus

See below for grading scheme and rounding rules.

• EXAMS

The midterm and final exams will be held in the College of Business Testing Center, BA2 Room 104 (first floor or the Business building #2). The final exam time is assigned by the College and does not follow the normal final exam schedule issued by the university.  Exams can only be accessed on the testing lab computers.  The procedures for the lab are listed below:

     All testing in the lab will be “open testing” meaning that students must take exams over a period of days rather than a standard block of regular class time.  See the schedule for more details.

     All midterm exams will be limited to no more than 120 minutes and 180 minutes for the final.  You must arrive at least 120 minutes (mid-term) or 180 minutes (final) before the test closing time in order to ensure that you can use all time available.  If you take your exam the day before it closes, remember the lab closes promptly at the posted closing time.

     Students are NOT allowed to bring any materials into the lab (e.g. notes, paper, books, and graphing calculators).  Financial calculators (including the HP 10BII+ used for this class) are allowed, but graphing/programmable calculators are not allowed.  Students using cell phones (or if your cell phone rings while in the lab) will be asked to submit their exams and leave, so be sure you do not bring your cell phone into the testing lab.

     The final exam will available over a period of two days as shown in the schedule.

Students are responsible for reading and following all testing lab rules, which can be found on the testing lab web site.

     In the event of a power failure, emergency campus closings (e.g. hurricanes), a system crash or other unforeseen problems, the testing lab will announce plans for alternative testing to all students affected.

To take your mid-term exams, merely show up at the lab on the appointed days, and you will be admitted when the next seat is available.  Students should be aware of the fact that the testing lab may not be able to accommodate all students on the last day and time slot.  If you arrive at the lab on the last day and hour, and there are no seats, the exam closing hour will not be extended (see related discussion about missing a midterm and or final).  As a result, students are strongly encouraged to take their exams early in the available time slots.  Students waiting until the last day and time face the risk that there will not be enough seats on the last day and hour, and thus will miss the exam.

Closing times for quizzes and exams are as follows:

Term                                        Quizzes                       Midterms                Makeups/Final

Fall                                          11:59 p.m.                    8 p.m.                         8 p.m.

Students should closely monitor the lab and exam closing time (see the Schedule for a link to the lab website and lab hours).  You will have 120 minutes for the mid-terms, and 180 minutes for the final.  This means that if you want the full time allotted, you will need to arrive no later than 120 minutes before the exam closing time for the mid-term and no later than 180 minutes before closing time for the final.  SDS students will need to arrive even earlier to allow for their extended time.  The lab computers will be shut down at closing, notwithstanding whatever the Canvas exam clock shows as remaining time available.  If you did not have enough time to complete the exam because you arrived late, a “makeup” is not allowed the next day since you have had full access to the exam materials.  Once again, to avoid this issue, students are encouraged to take the exam earlier in the day rather than wait until the last minute.

Midterm and the final exams will open for two days. Makeup exams (see below) will be available before the final exam.

In order to enter the testing facility, you will need a UCF ID with a picture. Although one exam is used for all sections, Canvas will randomly select many test questions from a data bank, so no two students will have the same exam.  Bring your NID & Canvas password to the exam, since you will need to "log on" to Canvas to take the test.  You will be able to see your score on each exam prior to leaving the lab.  

The mid-term and final exams are restricted on Canvas, meaning that students can view their score, but not the actual questions and answers.  Students wishing to see their exams should visit the instructor or the graduate assistant who can access to each student’s exam and will review their individual results. All students are strongly encouraged to review their exam with the instructor or GA in the event that their grade is below expectations.

The instructor will not be available to answer student emails/questions once exams open, so be sure to visit the instructor in person or send emails with any questions prior to the exam opening.

Grades will be available on Canvas by the end of the next business day after the final exam closes.

An HP10BII (or HP10BII+) financial calculator is required and will be needed for all exams. Scratch paper will be provided to all students when they enter the testing lab.  Programmable (graphing) calculators are not allowed in the testing lab.

The instructor reserves the right to curve grades up, if appropriate. All curving is done uniformly and applied to all students, and no special exceptions are made for students close to the next letter grade.

• GRADING SCALE

A	92.5 to 100 =  A
A-	89.5 to 92.49 = A minus
B+	86.5 to 89.49 = B plus
B	82.5 to 86.49 = B
B-	79.5 to 82.49 = B minus
C+	76.5 to 79.49 = C plus
C	72.5 to 76.49 = C
C-	69.5 to 72.49 = C minus
D+	66.5 to 69.49 = D plus
D	62.5 to 66.49 = D
D-	59.5 to 62.49 = D minus
F	0 to 59.5 = F

Scores are rounded either up or down to the nearest whole number (i.e. 79.49 = 79 while 79.5 = 80).  There are no exceptions to this policy in view of the liberal curve typically provided for all students.

If you require a certain grade to graduate or retain your academic standing, please focus on your performance on tests and quizzes to ensure you do not miss a grade by a fractional amount.  Special assignments and/or makeup work is NOT available after the fact to improve your grade. The TVM quiz has unlimited attempts and is open all semester, so there is no excuse for not having a perfect score on the assignment. The instructor and/or the graduate assistant are always available for tutoring if necessary.  

Students must take the final exam and an "incomplete" is not generally available unless approved for an extraordinary reason.  If you have a conflict with the final exam schedule and will not be able to take the final (or applicable mid-term make-ups), students should withdraw prior to the withdrawal deadline.

• MAKEUP EXAMS/MISSED POP QUIZZES

If you miss either midterm exam for any reason, students MUST take a makeup exam which will be opened before the final exam testing period as indicated in the Schedule.  There is NO need to notify the instructor if you miss a midterm and plan to take the makeup. An example of a good reason to take a makeup would be a student who is ill during the testing window.  An example of a bad reason to take a makeup is a student who does not feel he/she is adequately prepared (workloads typically increase late in the semester when the makeup exams are offered, so delaying the exam normally doesn’t help). Students will need to take either one or both makeup exams during the makeup exam testing period.  The flexible testing times should allow accommodation for illnesses, family emergencies, religious holidays or other personal conflicts.  Students who work should be prepared to take exams early in anticipation of last minute demands from their employer.

Students who miss the midterm AND the makeup exam for any reason will be given a zero for that exam.

If you are ill during the midterm, please wait and take the makeup exam. Once you take an exam, you do NOT have the option to drop it.

Students are NOT allowed to take a makeup if they took the original exam (Canvas will only allow one attempt for each midterm). 

Student athletes with approved absences from the university should provide the appropriate documentation to the instructor as soon as possible, and makeups will be allowed per UCF policy.

• HONOR CODE

Please refer to the Protocols listed on the MYUCF site for honor code matters applicable to this course.  Students are subject to the Golden Rule which is available at http://www.goldenrule.sdes.ucf.edu/ .

Since all the exams are given on-line and at home in an open book mode, violations of the honor code “rules of conduct” (cheating) would include, but are not limited to, communicating exam questions and or answers to other students or third parties (i.e. no help on your open book exam).

Students violating policy (cheating) will be given an “F” for the course and reported to the university.  The College is using software to help enhance the security of the exam.  The instructor reserves the right to recommend further disciplinary action within the UCF rules.

• ADA REQUIREMENTS

Students with disabilities needing academic accommodations should register with the Student Accessibility Services (SAS) Resource Center and follow their procedures for notifying the instructor of any matters related to the disability. This should be done during the first week of class.  If appropriate, arrangements can be made for students to take their exams in the SAS testing lab using their PCs.

• COVID-19 and Illness Notification

Students who believe they may have a COVID-19 diagnosis should contact UCF Student Health Services (407-823-2509) so proper contact tracing procedures can take place.

Students should not come to campus if they are ill, are experiencing any symptoms of COVID-19, have tested positive for COVID, or if anyone living in their residence has tested positive or is sick with COVID-19 symptoms. CDC guidance for COVID-19 symptoms is located here: (https://www.cdc.gov/coronavirus/2019-ncov/symptoms-testing/symptoms.html)

Students should contact their instructor(s) as soon as possible if they miss assignments for any illness reason to discuss reasonable adjustments that might need to be made. When possible, students should contact their instructor(s) before missing assignments.

• In Case of Faculty Illness 

If the instructor falls ill during the semester, there may be changes to this course, including having a backup instructor take over the course. Please look for announcements or mail in Webcourses@UCF or Knights email for any alterations to this course. The instructor has been vaccinated, so it is not likely that this will be an issue.

• OTHER UNIVERSITY POLICIES

Title IX makes it clear that violence and harassment based on sex that interferes with educational opportunities is an offense subject to the same penalties as offenses based on other protected categories such as race, national origin, etc. If you or someone you know has been harassed or assaulted, you can find resources available to support the victim, including confidential resources, and information concerning reporting options at https://shield.ucf.edu/ .  Perpetrators are subject to expulsion or termination and may also be subject to criminal penalties.

 

FIN 2100 Personal Finance and Investments Schedule

Schedule for Fall 2021

Topic Textbook Chapter (Focus Chapter)	Mon. & Wed. 1:30 – 2:45 pm Section 0001 Classroom Bldg. 2 Room 106	Homework Quizzes Due 11:59 pm
Introduction	Mon. Aug. 23	Syllabus quiz due Fri. Aug. 27
Chapter 1 – Financial Planning (Focus Ch. 1)	Wed. Aug. 25	Ch. 1 Quiz due Sun. Sep. 12
Time Value of Money	Mon. Aug. 30 Wed. Sept. 1	TVM Quiz open entire semester, closes Fri. Dec. 3 Closed during exams
Labor Day Holiday No classes	Mon. Sep. 6
Chapter 2 – Careers (No Focus Ch.)	Wed. Sept. 8	Ch. 2 Quiz due Sun. Sept. 19
Chapter 3 – Financials (Focus Ch. 2)	Mon. Sept. 13	Ch. 3 Quiz due Sun. Sept. 19
Chapter 4 – Taxes (Focus Ch. 3)	Wed. Sept. 15 Mon. Sept. 20	Ch. 4 Quiz due Sun. Sept. 26
Chapter 5 – Banking (Focus Ch. 4)	Wed. Sep. 22	Ch. 5 Quiz due Sun. Sept. 26
Chapter 6 – Credit (Focus Ch. 5)	Mon. Sep. 27	Ch. 6 Quiz due Sun. Oct. 3
Chapter 7 – Credit (Focus Ch. 5)	Wed. Sep. 29	Ch. 7 Quiz due Sun. Oct. 3
Midterm 1 Chapters 1-7 & TVM 50 two point questions	Opens Mon. Oct. 4 at 7 am   Closes Tue. Oct. 5 at 8 pm   No class Monday	120 minutes allowed to complete the exam
Chapter 8 – Purchasing/Cars (Focus Ch. 6)	Wed. Oct. 6   Mon. Oct. 11	Ch. 8 Quiz due Sun. Oct. 17
Chapter 9 – Housing (Focus Ch. 7)	Mon. Oct 11   Wed. Oct. 13	Ch. 9 Quiz due Sun. Oct. 17
Chapter 10 – Home/Auto Insurance (Focus Ch. 8)	Mon. Oct. 18	Ch. 10 Quiz due Sun. Oct. 24
Chapter 11 – Health Insurance	Wed. Oct. 20	Ch. 11 Quiz due Sun. Oct. 24
Chapter 12 – Life Insurance (Focus Ch. 10)	Mon. Oct. 25	Ch. 12 Quiz due Sun. Oct. 31
Chapter 13 – Investments (Focus Ch. 11)	Wed. Oct. 27	Ch. 13 Quiz due Sun. Oct. 31
Withdrawal Date	Friday Oct. 29
Midterm 2 Chapters 8-13 & TVM 50 two point questions	Opens Mon. Nov. 1 at 7 am   Closes Tue. Nov. 2 at 8 pm   No class Monday	120 minutes allowed to complete the exam
Chapter 14 – Stocks (Focus Ch. 12)	Wed. Nov. 3 Mon. Nov. 8	Ch. 14 Quiz due Sun. Nov. 14
Chapter 15 – Bonds (Focus Ch. 11)	Mon. Nov. 8 Wed. Nov. 10	Ch. 15 Quiz due Sun. Nov. 14
Veterans Day Holiday No classes	Thur. Nov. 11
Chapter 16 – Mutual Funds (Focus Ch. 13)	Mon. Nov. 15 Wed. Nov. 17	Ch. 16 Quiz due Sun. Nov. 21
Chapter 17 – Alt. Investments/Love Marriage Money (No Focus Ch.)	Mon. Nov. 22	Ch. 17 Quiz due Fri. Dec. 3
Makeup Exams Midterm 1 and or Midterm 2 50 two point questions each	Opens Mon. Nov. 22 at 7 am Closes Tue. Nov. 23 at 8 pm	120 minutes allowed to complete the exam
Chapter 18 – Retirement (Focus Ch. 14)	Mon. Nov. 29	Ch. 18 Quiz due Fri. Dec. 3
Chapter 19 – Estates (No Focus Ch.)	Wed. Dec. 1	Ch. 19 Quiz due Fri. Dec. 3
Last Day of Classes	Fri. Dec. 3
Final Exam Chapters 14-19 50 two point questions All Chapters 25 four point questions	Opens Wed. Dec. 8 at 7 am Closes Thur. Dec. 9 at 8 pm	180 minutes to complete this 75 question final exam