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Money Skills

                                     Course Syllabus

                                        Montgomery County High School

Teacher:  Mrs. Kathy H. Cora

2014-2015 School Year



Grade Level: 10-12                                                 Credits: 1                                         A Day - 1st Bock/B Day 4th Block 

Description: This course is designed to prepare students to understand and use sound financial management skills and practices contributing to financial stability, improving the quality of life for individuals and families. Decision-making, problem solving, goal setting and using technology are integrated throughout the content. Leadership development will be provided through the Family, Career and Community Leaders of America (FCCLA) student organization.

Learning Targets: Students will:

  • understand how personal financial decisions are influenced by a person’s interpretation of needs and wants and values.
  • analyze lifestyle conditions which may affect one’s financial situation throughout the life cycle.
  • recognize the importance of career planning, salaries, and benefits to overall financial well-being.
  • create a spending plan/budget.
  • demonstrate skills in understanding payroll deductions.
  • understand economic systems and the role of government agencies as they relate to sound financial management.
  • understand the levels of financial risk associated with checking accounts, saving and investing.
  • evaluating financial institutions and the services they provide.
  • manage checking accounts, savings accounts, investment accounts.
  • define and use common terminology associated with savings and investing.
  • understand interest, and the time value of money.
  • understand the implications of personal bankruptcy.
  • evaluate the advantages and disadvantages of renting and owning a home.
  • demonstrate the process of renting and/or purchasing a home.
  • demonstrate working knowledge of investments appropriate for individuals and families.
  • demonstrate skills in tax forms preparation.
  • understand the relationship between risk and insurance.
  • select insurance (homeowner’s, renter’s, automobile, health, and life) appropriate for individuals and families.
  • demonstrate skills necessary for leasing and/or purchasing a vehicle.
  • identify the advantages and disadvantages of each of the types of credit.
  • analyze credit card offers and statements.
  • develop the skills necessary to prevent identity theft.
  • demonstrate skills in wise spending practices (advertising, comparison shopping, warranties, defective merchandise).
  • understand the financial tools used to plan for retirement (Social Security, pensions, individual retirement accounts, Roth IRA, company sponsored retirement programs).
  • demonstrate the process of requesting and interpreting a credit report.
  • describe the purpose of a will and other estate planning documents.
  • utilize activities of the Family, Career and Community Leaders of America (FCCLA) student organization as an integral component of course content and leadership development.
  • apply math, science and communication skills within technical content.
  • demonstrate employability and social skills relevant to the career cluster.

Textbooks Used: Consumer Education & Economics (used only in the classroom) along with Dave Ramsey Curriculum


 Fees Required:   FCCLA Membership              $15.00   (required for membership in organization)


Materials Required for Class:

three-ring binder               three-ring pencil pouch                  one pack (3 count or above) of #2 lead pencils

three-ring dividers             highlighter                               one pack of loose-leaf notebook paper

any miscellaneous materials necessary for activities


Method of Grade Calculation: Each assignment (participation, daily in-class work, homework, writing assignments, labs, projects) will be given points from 5-100 based on the amount of work involved/expected. Nine-week grades will be determined by dividing the number of points possible into the number of points received.

Homework Policy: All homework is due the day after it is assigned unless otherwise instructed. A reduction of one letter grade per day will be applied for late work.

Makeup Work Policy: It is the student's responsibility upon returning to class to 1.) request makeup work by filling out the "makeup request form,” and 2.)  complete the work. Students have the number of days absent plus one day to make up work (ie: 3 days absent, 4 school days to make-up once they return).



1. I will always be prepared:

Attend school regularly

To class on time and immediately take seat and begin work on bellringer activity (found on the screen/board)

Restroom and water fountain before or after class

Pick up binder from shelf -- includes pencil (#2) and paper (loose-leaf notebook)

Turn in assignments with full name, class period, assignment name and date

       2. I will always be appropriate:

Use appropriate language and tone

Follow the dress code

Gum permitted, with restrain – no food or drink (includes candy/tic-tacs etc.)

Public displays of affection are prohibited; horseplay prohibited

Large purses and sports bags/backpacks placed in front of room

Write only on paper, not tables, walls, etc.

3. I will always respect others:

       Keep cell phones and I-Pods put away (always)--store in tote on counter until end of class

       Chromebook use will be for instruction only

Respect the personal rights and property of others; treat others the way I would want to be treated; be kind and helpful to everyone

Be a good listener and follow directions; avoid talking unless required by the assignment

Wait to be recognized by the teacher after raising hand

Remain quiet and seated during announcements

Only the teacher answers the door, the intercom, or the phone

Clean around desk and push chair in before leaving

Follow emergency procedures accurately

        4.  I will always be responsible for my learning:

                Participate in all classroom activities.

                Complete all assignments.

5. Positive Attitude:

Remember that everything in life does not always go our way—attitude can make a good day or a bad day Accept responsibility for behavior—accept consequences



1. Verbal warning: you will be warned and the teacher will explain the problem.

2. Detention

3. Contact with home

4. Repeated offenses: Office Referral

Severe offenses will result in an immediate office referral. Examples: smoking/possession of tobacco, drugs, fighting,

flagrant abuse of faculty/staff/other students, profanity, defiance (student says "I will not” or walks away)

I have read and understand this course syllabus. (The student must return this entire syllabus for a grade.)

_________________________________________________________________________________Student Signature Date_________________________________

__________________________________________________________________________________Parent Signature Date_________________________________         E-Mail Address/Phone Number

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