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Essex High School
2 Educational Dr. Essex Jct., VT 05452 | (802) 879-7121

Personal Management and Finance

COURSE OBJECTIVES:

THE TRANSITION FROM HIGH SCHOOL STUDENT TO INDEPENDENT ECONOMIC INDIVIDUAL WILL BE THE FOCUS. QUESTIONS THAT WILL SERVE AS THE COURSE'S PHILOSOPHICAL CHALLENGES ARE AS FOLLOWS:

# 1. WHERE WILL YOU BE 1 - 5 - 10 YEARS FROM TODAY? # 2. WILL YOU BE ABLE TO COMPETE FINANCIALLY? # 3 WHAT CAREER OPPORTUNITIES WILL BE OFFERED IN YEARS TO COME & WILL I BE IN A POSITION TO ACCEPT? # 4. HOW DO YOU "WIN" IN LIFE? THIS IS A MICRO ECONOMIC COURSE FOR THE REALISTS IN OUR SOCIETY!

I. INDIVIDUAL FINANCE:

* THEORY OF WINNING
* EVERYONE'S FINANCIAL GOAL IN LIFE
* DEVELOPING A STRONG & SECURE OF INCOME
* UTILITY SPENDING
* INVESTMENT CONCEPTS
* CREDIT PRINCIPLES

II. SENIOR ALTERNATIVES:

* WHY COLLEGE / HORIZONTAL & VERTICAL FLEXIBILITY
* COLLEGE FINANCING / WHERE & HOW
* CAREER OPPORTUNITIES / APPLICATION PROCESS / INTERVIEWS
* SERVICE OPTIONS / PART TIME / FULL TIME / PROS & CONS

III. FEDERAL TAXATION:

* WHY TAXES / LOCAL / STATE / FEDERAL
* FEDERAL DEBT & DEFICIT / WHY / SOLUTIONS
* TAX THEORY
* F.I.C.A.
* 1040EZ

IV. FAMILY MICRO ECONOMICS:

* MARRIAGE COSTS
* RENTING VS. OWNING
* HOME FINANCING
* ECONOMICS OF CHILDREN
* ECONOMICS OF DIVORCE
* 5 PAGE TYPED POSITION PAPER

V. INVESTMENT PORTFOLIO:

* WHY & HOW DEVELOP AN INVESTMENT PORTFOLIO
* CD'S / BONDS / STOCKS ( MUTUAL FUNDS ) / REAL ESTATE / RETIREMENT PROGRAMS ( IRA'S / PENSIONS / SS ) LIFE INSURANCE

VI. POTPOURRI: .

* RENTING COSTS
* TENANTS INSURANCE
* AUTO PURCHASING & LEASING
* SUPPLY & DEMAND OPPORTUNITIES ( RECESSION / OFF PEAK PERIODS )
* WILLS

GENERAL CLASS STRUCTURE:

* LECTURE
* GUEST SPEAKERS
* TESTS / ONE PER UNIT
* POSITION PAPERS

COMMUNICATION :

STUDENTS AND PARENTS ARE ENCOURAGED TO TALK WITH THEIR TEACHER WHENEVER THERE IS A CONCERN OR PROBLEM. THEY CAN BE REACHED BY PHONE AT 879-5537.