Introduction to Personal Finance
Course Features
Course Details
Course Overview
From Financial Responsibility, to career and income planning, to basic economics and entrepreneurship, Introduction to Personal Finance is designed to prepare students for a successful life by teaching mindfulness and responsibility with finances.
Course topics include:
- Personal Financial Responsibility
- Economic Fundamentals
- Income and Careers
- Planning and Money Management
- Credit and Debt
- Risk Management and Insurance
- Saving and Investing
- Entrepreneurship
- Governmental Economics
This course was developed by the International Academy of Science.
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Scope and Sequence
Unit 1 - Personal Financial Responsibility In this unit students learn about personal financial responsibility. They discuss what it's like when "you're the CEO," and go on to understand how to develop a continuous financial learning process. They learn about consumer protection, about creating a personal board of directors, about controlling and protecting personal information, about fraud, and about caveat emptor. Unit 2 - Economic Fundamentals In this unit students study resources and wants, opportunity cost, value-based criteria, and cost-benefit analysis. They investigate incentives, consequences, productivity, wages, and acquiring goods and services. Unit 3 - Income and Careers In this unit students discuss education and earning power, matching skill sets, how important it is to love what you do, and career options. They come to understand differing sources of income, calculating net-income, taxes, federal tax, state tax, social security tax, medicare tax, sales tax, property tax, and investment tax. Unit 4 - Planning and Money Management In this unit students gain understaning of goal setting, fixed versus variable expenses, cash flow, living within your means, and planning to save. They learn about keeping records, checking accounts, savings accounts, payment methods, credit cards (payments), debit cards, cash, checks, wire transfers, money orders, purchasing decisions, and charitable giving. Unit 5 - Credit and Debt In this unit students learn about debt instruments, interest and principal, the power of continuous compounding, and mortgages. They study credit card debt, car loans, student loans, small business loans, payday loans, income tax refund loans, and cash advance loans. They investigate credit score, establishing good credit, correcting debt problems, and consumer credit laws. Unit 6 - Risk Management and Insurance In this unit, student study risks to finances, making a will, and warranties. They also learn about property insurance, car insurance, life insurance, health insurance, and disability insurance. Unit 7 - Saving and Investing In this unit students gain understanding of saving and delayed gratification, bonds, stocks, bonds versus stocks, percent change, mutual funds, and index funds. They explore traditional IRA, the Roth IRA, buying and selling investments, continuous compounding on savings, the Rule of 72, interest rates as friend and foe, equity versus debt, taxation on investments, and regulations to protect investors. Unit 8 - Entrepreneurship In this unit students learn about starting a business, industry, competitors, differentiation, and marketing. They also investigate location, finances, and customers. Unit 9 - Governmental Economics In this unit students study governmental economics. 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