COURSE SYLLABUS PD120-Personal Financial Management

COURSE SYLLABUS PD120-Personal Financial Management FACULTY CONTACT INFO & OFFICE HOURS: Phone Number: (Please fill this in.) Email: (Please fill this in.) DAY OFFICE HOURS (CST) Monday Tuesday Wednesday Thursday Friday Saturday Sunday COMMUNICATION WITH THE INSTRUCTOR: (Description of best method of contact.) GENERAL COURSE INFORMATION: Date: (Please fill this in.) Course Number: PD 120 Course Name: Personal Financial Management Semester Credit Hours: 1semester hour Prerequisite(s): None COURSE DESCRIPTION: This course deals with concepts of personal financial planning and financial control Topics center on critical self examination of student planning techniques through analysis and research of personal financial legal documents, checking accounts and banking services, income tax procedures, savings methods, investment planning, risk management and insurance, and credit records, credit law, and the cost of credit LEARNING OBJECTIVES: Upon completion of this course, the student will be able to: Explain commonly utilized accounting methods for determining federal and state taxation policies Formulate a comprehensive personal budget Apply money management theories and practices used in the American banking system Define individual responsibilities associated with honoring contractual agreements in the American legal system Identify commonly used insurance instruments through researching methods of risk management Prepare a personal insurance plan REQUIRED TEXT(S): Ryan, Joan S (2010) Managing your Personal Finance, 6th ed Mason, Ohio: Southwestern-Cengage Learning ISBN: 0538449373 ISBN-13: 9780538449373 SUPPLEMENTAL INSTRUCTIONAL MATERIALS: There are many course resources available for you to use to help you with assignments, tests, and learning Resources are linked to your session page each week and are compatible with the week’s learning exercises You may also wish to access the Herzing Online Library or contact technical support as needed ACADEMIC INTEGRITY: Academic honesty is fundamental value at Herzing College Online Academic Integrity is a demonstration of response for the scholarship and the intellectual/creative efforts of others Herzing will not accept academic dishonesty, which includes, but is not limited to, plagiarism, cheating in any form, theft of educational material, and the falsification of data Plagiarism is the use of another source, person or group’s work without giving the author(s) credit Plagiarism is lying, dishonest, and illegal and will not be tolerated in an institution whose mission is to educate students and help them obtain the skills that enable them to make decisions of conscience Herzing policy stipulates that an instance of plagiarism, academic dishonesty or cheating will result in a failing grade for the assignment and at the discretion of the instructor a failing grade for the course In addition, a written warning will be retained on record in the student’s academic file A second warning may result in the student being expelled from the college In all instances when borrowing ideas from other sources, students must provide reference of the source References should be presented in APA format according to the American Psychological Association (APA) Online Etiquette: Since we cannot see each other, we must be careful how we address one another Let’s please be polite to everyone’s personality, culture, and learning curve Not everyone learns everything at the same pace Therefore, let’s please be courteous to one another when responding to each other’s communication efforts by not criticizing other’s work, praising a good effort as well as being polite and sensitive to cultural backgrounds and engaging in politically correct language We should also stick to the learning topics outlined by the instructor when participating in classroom discussion threads Discussions outside the context of the weekly learning activities should be directed to the chat café rather than the weekly discussion board to be respectful of everyone’s time constraints CLASSROOM POLICIES: Written Assignments: All assignments should be submitted by Sunday, midnight on the week they are assigned (For Example, Week assignment is due by midnight, Sunday, November 7, 2010.) A template is provided for you to complete the assignment This template is located in the weekly assessments section Quizzes: All weekly quizzes must be completed by Sunday evening, midnight of the week they are assigned The quizzes consist of multiple choice questions and essay questions The weekly quizzes cover the materials discussed during the week The final exam is an assessment of all material reviewed in the course This quiz must be completed by Sunday evening, midnight of week The mid term exam consists of multiple choice questions and essay questions Class Discussion Participation: Students are required to post three posts spread over three separate days (Ex, Wednesday, Thursday, Saturday) The initial post should respond to the main discussion questions and the other follow-up posts should be students’ interactions with their peers’ posts or follow-up questions from the instructor The initial and secondary posts should be meaningful and should promote further discussion The initial post must be a 200 word minimum response and the follow-up posts must be a 100 word minimum per post The discussion assignment is worth 50 points each week (25 points for the initial post and 25 points for follow-up posts) Please refer to the discussion threads grading rubric for more about the quality of posts Posts submitted after Sunday evening, midnight of the week will not be graded No discussion will take place when the week is over Late Assignments: Assignments submitted after Sunday evening will receive a 10 percent reduction in points Assignments received one week late (7 days late) will receive a 50 percent reduction in points Assignments received weeks after the due date will not be graded Discussion Threads Grading Rubric Discussion Threads Grading Rubric The Academic Dishonesty policy will be strictly followed and non-compliance with the policy will result in consequences as outlined in that policy GRADE A Fully developed Quality of Initial posts indicate: Post B Clearly defined posts indicate: C D F Partially No No discussion developed posts development of posts submitted indicate: posts indicates: • Thorough use • of key terms and concepts relevant to the discussion Correct use of • key terms and concepts relevant to the discussion Minimal use • of key terms and concepts relevant to the discussion No knowledge of the key terms and concepts relevant to the discussion • Thoroughly • incorporates textbook and other academic or professional resources Correctly • incorporates textbook and other academic or professional resources Minimally • incorporates textbook and other academic or professional resources No use of textbook and other academic or professional resources • Real-life • experiences fully relate to the discussion Real-life experiences not fully relate to the discussion • Real-life • experiences not relate to the discussion No application of real-life experience • Comprehensive • demonstration of analytical and cognitive thinking skills Demonstrates • of analytical and cognitive thinking skills Limited • demonstrati on of analytical and cognitive No demonstrati on of analytical and cognitive Discussion Threads Grading Rubric The Academic Dishonesty policy will be strictly followed and non-compliance with the policy will result in consequences as outlined in that policy GRADE Initial Post Deadline A B C D thinking skills thinking skills No use of current events F • Thorough use of current events • Correct use • of current events Minimal use • of current events • Use of correct spelling, grammar, and punctuation with no errors • Use of • correct spelling, grammar, and punctuation with minimal errors Incorrect • spelling, grammar, and punctuatio n with multiple errors Incorrect spelling, grammar, and punctuation with many errors • Wednesday of the week • One day after • the due date assigned by the Instructor Two days • after the due date assigned by the instructor Last day of No discussion the week posts submitted (as defined by the Instructor) Quality and Fully developed Quantity of posts indicate: Secondary Posts Clearly defined posts indicate: • Thorough use • of key terms and concepts relevant to the discussion • Real-life experiences • Partially No No discussion developed posts development of posts submitted indicate: posts indicates: Correct use of • key terms and concepts relevant to the discussion Minimal use • of key terms and concepts relevant to the discussion No knowledge of the key terms and concepts relevant to the discussion • Real-life • experiences No application Real-life experiences Discussion Threads Grading Rubric The Academic Dishonesty policy will be strictly followed and non-compliance with the policy will result in consequences as outlined in that policy GRADE A B C D fully relate to the discussion not fully relate to the discussion not relate to the discussion of real-life experience • Comprehensive • demonstration of analytical and cognitive thinking skills Demonstrates • of analytical and cognitive thinking skills Limited • demonstrati on of analytical and cognitive thinking skills No demonstrati on of analytical and cognitive thinking skills • Use of correct spelling, grammar, and punctuation with no errors Use of • correct spelling, grammar, and punctuation with minimal errors Incorrect • spelling, grammar, and punctuatio n with multiple errors Incorrect spelling, grammar, and punctuation with many errors • Meets or • exceeds the required number of secondary posts as defined by the Instructor; posts are spread out over 3+ days • Did not • post the required number of secondary posts as defined by the Instructor; posts are submitted on the same day, prior to the last day Did not post the required number of secondary posts as defined by the Instructor; posts are submitted on the last day • Meets the required number of secondary posts as defined by the Instructor; posts are spread out over days F SUMMARY OF WEEKLY ASSIGNMENTS/ASSESSMENTS : Week Course Contract – Please review the contract located in the syllabus link, electronically sign and submit the contract in the week assessment Read Chapters and in textbook Review materials in supporting lesson links Discussion Assignment #1 50 points Respond to each of the questions below in your initial post no later than Friday Your initial response provided contains a minimum of 200 words Two additional posts (100 word minimum) are required on separate days and may respond to other students' responses or additional questions posted (Ex: Initial Post - Friday; Second post - Saturday; Third post - Sunday) Posts submitted after Sunday evening will not be graded Employees receive monetary and non-monetary benefits for the performance of duties Many employers offer flexible work arrangements What benefits and incentives you prefer? In your response, rate the importance of these benefits Most individuals voluntarily comply with their tax obligations What factors should be considered when creating a tax that is considered fair by most people in a society? Taxpayers are responsible to file a tax return every year Filling in the forms by hand, tax preparation software and tax preparers are a few of the methods of completing your income tax return Compare and contrast two available tools Which method will you/did you use this year? Why? Written Assignment #1 – 75 points Your homework assignment consists of two problems listed below Please use the template to complete your assignment Problem - Prepare an employee withholding sheet similar to Figure 6.2 of the textbook, using the following information: Mike Anderson, whose social security number is 999-00-9962, is paid weekly He is single and has one withholding allowance He works in Oregon *use Figure 6.3 and 6.4 to determine his income tax withholdings) He worked 40 hours at his regular rate of $7.70 an hour and overtime hours last week In addition to the required deductions, he had $22 for insurance, $12 for union dues, and $10 for charitable contributions withheld from his paycheck Problem - Janette is a student with a baby-sitting service She’s unsure whether she needs to file a federal tax return on her income She also wants to know how long she needs to keep tax-related records Visit the sites listed below and answer the following questions Website: Internal Revenue Servicehttp://www.irs.gov/individuals/students/article/0,,id=96674,00.html Website: Bankrate.comhttp://www.bankrate.com/brm/itax/tips/20010207a.aspWebsite: Internal Revenue Servicehttp://www.irs.gov/newsroom/article/0,,id=105111,00.html What types of income typically received by students may be taxable? Does everyone file a 1040EZ? Besides your actual tax returns, what tax records should you keep? APA Guidelines and Academic Dishonesty Quiz – (not included in gradebook) The APA quiz consists of 15 multiple choice/true false questions This is due by Sunday evening, midnight of Week Week Quiz #1 – 50 points The Week Quiz consists of multiple choice questions worth points each and short essays worth 10 points each Read Chapters 20, 8, and in textbook Review materials in supporting lessons links Discussion Assignment #2 – 50 points Respond to each of the questions below in your initial post no later than Wednesday Your initial response provided contains a minimum of 200 words Two additional posts (100 word minimum) are required on separate days and may respond to other students' responses or additional questions posted (Ex: Initial Post - Wednesday; Second post - Friday; Third post Sunday) Posts submitted after Sunday evening will not be graded Budgeting should begin early in your life Discuss how your budget is based on personal values and choices and modified when new "life events" occur Why some individuals ignore planning and budgeting? Checking accounts have many good features, such as overdraft protection List banking services that appeal to you and explain why these services are important Discuss a contract that you have entered into and your obligations of the contract Was it an expressed or implied contract? Explain Mini-Project Budget – 150 points The Mini-Budget consists of four sections Please use either the word document or template attached to complete your Mini-Project Budget Section Complete the Current Budget/Cash Flow Statement by collecting all source documents for gathering your monthly income and expenses Examples of information include check registers, bank statements, pay stubs, pay statements, child-support documents and other pertinent documents Input the source document and income in the worksheet Gather source documents for expenses including rental agreements, loan statements, monthly billing statements, bank statements, check registers, cash receipts and miscellaneous documents Input the source document and expense in the worksheet Section Compile previous loan statements your have taken out to date Find the source document and total the loan balances Document the interest rate Determine your schooling expense on an annual basis Include tuition, school fees, books, computers and additional items needed for your education Enter this information in the worksheet Section Provide your anticipated monthly income by researching the pay rate for your "future employment" Document this information in the source document section and input data in the worksheet Enter additional sources of income in the worksheet Provide anticipated monthly cash outflows The first expense to incorporate is your student loan obligation Access the loan calculator in Week Additional Resources Enter the estimate loan balance, interest rate and payment schedule to determine your monthly loan payment Enter additional cash outflows Section Summary of Results - In a 400 word essay, discuss the following: Describe the results of your cash flow statement Discuss income and expense categories you have mastered and what you perceive are possible areas of improvement Needs are defined as "air and water" but our society can make us believe differently How has society influenced your decision making? Does this affect your choices in a positive or negative manner? How? Do you formulate a plan for big purchases or events? How can the decision-making process change your spending habits? What aspect of financial planning is new to you? Explain What type of contracts you plan to enter into in the next years? How will this affect your budget? Criteria: Complete all parts of the Budget worksheet Week Quiz #2 – 50 points The Week Quiz consists of multiple choice worth points each and short essays worth 10 points each Read Chapters 10, 11, 12, 16, 17 and 18 and from the textbook Review materials in supporting lesson links Discussion Assignment #3 – 50 points Respond to each of the questions below in your initial post no later than Wednesday Your initial response provided contains a minimum of 200 words Two additional posts (100 word minimum) are required on separate days and may respond to other students' responses or additional questions posted (Ex: Initial Post - Wednesday; Second post - Friday; Third post Sunday) Posts submitted after Sunday evening will not be graded The Federal Trade Commission estimates there are as many as million Americans that are subject to identify theft each year Identify theft is on the rise with the advancement of electronic media Have you or anyone you know ever been the victim of identity theft? Do an internet search of identity theft stories How did it happen? How you protect yourself from identity theft? Credit cards, secured and unsecured loans and installment loans are used for short-term and long-term financing Without sharing personal or confidential information, (no institution names please) discuss the types of creditors you are currently dealing with and explain your responsibility towards these creditors How you plan to fill your obligation? Investments may take the form of savings, certificates of deposits, mutual funds, stocks, bonds and retirement accounts Identify criteria you have used or plan to use to evaluate an investment What criteria is most important to you? Why? Written Assignment #3 – 75 points Problem Objectives: Explain the advantages and disadvantages of using credit Describe the responsibilities of consumer credit 10 Task: Respond to the following questions in a 300 word essay Have you been in a situation where a credit card would have been very useful? Describe what happened What procedures can you use to ensure that credit cards not harm your credit? Provide examples Context: Some people believe that credit cards are evil—that they lead to overspending, to debt problems, and to moral decline But credit cards can also mean the difference between having a good vacation and staying at home Consider the following: In order to rent a car, you will need a credit card The card must have a limit high enough to allow for charges of $150 or greater Most rental companies will not accept cash or debit cards because they want assurance that there is a source of payment if you incur other charges, such as by keeping the car longer or by damaging it Motels and hotels usually also require a credit card Once you have checked out and are ready to leave, they may allow you to use a debit card or cash, but in order to secure a reservation and in order to stay at the facility, you will need a valid credit card with available credit for charging While on the road, you may also need a credit card to buy gasoline Many stations not accept cash after dark The only way to obtain self-service gasoline may be to use your credit card at the pump If you have an emergency, such as needing a tow truck, the credit card provides a way to pay for it on the spot When you’re out of town, most merchants will not accept checks, so the credit card allows you the instant ability to buy necessities A credit card is a safer way to carry money when you travel If the card is lost or stolen, you can get it replaced and can get cash advances from the card by calling the card issuer’s toll-free number If your cash is stolen, however, you cannot get it replaced If you are traveling in a foreign country, using your credit card will enable you to get the up-to-the minute exchange rate, thus preventing merchants from giving you less than your fair dollar’s worth Both debit and credit cards can be used to get foreign currency from ATM machines abroad as well, also giving you the best exchange rate possible Problem 11 Objectives: Explain the advantages and disadvantages of using credit Describe the concept of creditworthiness Describe the responsibilities of consumer credit Task: In a 300 word essay, respond to the questions below Context: The wide use of credit can lead to abuses Some people take out more credit than they can repay and refuse to pay back what they have borrowed When merchants get stuck with unpaid balances, they pass along that cost to other customers in the form of higher prices Thus we all pay for people who overuse credit Is it ethical for people to overextend their credit, knowing or suspecting that they will not be able to repay it? What can we all to keep the cost of products and services at reasonable levels? Week Quiz #3 – 50 points The Week Quiz consists of multiple choice worth points each and short essays worth 10 points each Read Chapters 25, 26 and 27 from the textbook Review materials in supporting lessons links Discussion Assignment #4 – 50 points Respond to each of the questions below in your initial post no later than Wednesday Your initial response provided contains a minimum of 200 words Two additional posts (100 word minimum) are required on separate days and may respond to other students' responses or additional questions posted (Ex: Initial Post - Wednesday; Second post - Friday; Third post Sunday) Posts submitted after Sunday evening will not be graded Everyone faces risks, but individuals react differently to them Risk management is used to protect your assets and income Using the chart on page 576, identify your most significant risks you potentially face and what causes them What steps have you taken or can you take to minimize these risks? A risk management plan uses a combination of techniques to lower overall risks Interview an individual that is at a "different stage of life" and ask them for advice on a risk management plan Discuss their recommendations Mini-Project Insurance Assessment – 150 points Using material discussed in the book and additional resources on the 12 internet, explain the purpose of each of the following types of insurance: (300 word minimum) a Homeowners’ insurance b Automobile insurance c Liability insurance d Health insurance e Disability insurance f Life insurance Based on your current situation, discuss the insurance you currently purchase and your specific needs for each insurance? (200 word minimum) A Homeowners’ insurance B Automobile insurance C Liability insurance D Health Insurance E Disability insurance F Life insurance How you anticipate that your need for each of these insurance coverages will change in the next five years? (200 word minimum) A Homeowners’ insurance B Automobile insurance C Liability insurance D Health Insurance E Disability insurance F Life insurance List several guidelines for building a plan for purchasing all types of insurance (150 word minimum) Compare term-life insurance with a whole-life policy Provide the advantages and disadvantages in each type of policy ( provide one reference in your response) (200 word minimum Final Exam – 200 points The final exam consists of 20 multiple choice worth points each and essay questions worth 20 points each 13 Grade Summary Points Discussions 200 20% Assignments 150 15% Final Exam 200 20% Mini-Projects 300 30% Quizzes 150 15% 1000 100% Totals Weight Grade Scale A 93% - 100% A- 90% - 92% B+ 87% - 89% B 83% - 86% BC+ 80% - 82% C 70% - 75% D+ 66% - 69% D 60% - 65% F I = < 59% Incomplete 76% - 79% 14 Item Percentage Due Date Meet & Greet 0% Fill in specific date Discussion 5% Fill in specific date Assignment 7.5% Fill in specific date Course Contract 0% Fill in specific date APA quiz 0% Fill in specific date Quiz #1 5% Fill in specific date Discussion 5% Fill in specific date Mini-Project 15% Fill in specific date Quiz #2 5% Fill in specific date Discussion 5% Fill in specific date Assignment #2 7.5% Fill in specific date Quiz #3 5% Fill in specific date Discussion 5% Fill in specific date Mini-Project 15% Fill in specific date Final Exam 20% Fill in specific date Total 100% Note: Please make sure total above is 100% 15 Grading Rubric for All Written Assignments A: Superior Work Intro ◊ ◊ ◊ Body: Organization ◊ ◊ ◊ ◊ ◊ ◊ Deliberate, creates interest Gives title/author if needed Clear, concise and specific thesis statement Organized throughout Logical, clear sequence Completely supports thesis Exhibits critical thinking Has consistent transitions Proper in-text citations B: Above average ◊ ◊ ◊ Body: Mechanics ◊ ◊ ◊ ◊ Adequately introduces topic Thesis statement may be lacking specificity ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ Uses excellent vocabulary well Stays on topic/meets assignment Correct tense/point of view ◊ Has sentence variety Correct spelling/punctuati on Writes in scholarly style ◊ ◊ ◊ ◊ ◊ Well organized Easy to follow Thesis could use more support (adequate but not extended) Majority of citations are correct Shows some original thought Has several transitions Majority of citations are correct ◊ Attempts higher level vocabulary with some success Stays on topic/meets assignment Mostly correct tense/point of view ◊ Sentences correct but lacking in variety Few spelling errors Writes in scholarly style ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ Conclusion ◊ ◊ ◊ Appearance ◊ Deliberate closing strategy Does not introduce new material Paraphrases thesis, but does not merely repeat introduction Neat, properly D: Below F: Fails to Average meet requirements ◊ ◊ ◊ Body: Fluency C: Average ◊ ◊ ◊ ◊ Adequate closing Does not introduce new material Re-states thesis in same words, but does not completely repeat introduction ◊ May have a few ◊ ◊ ◊ Intro is too short – does not introduce topic Thesis statement is vagueshould be more narrow Some org problems Some gaps in flow Not enough thesis support Shows little original thought Some transitions but lacking Citations are both correct and incorrect Both higher and lower vocabulary Some tense/point of view errors Meets assignment mostly, but occasionall y strays off topic Some sentence fragments/r un-ons/not varied Several preventable spelling errors Mix of formal and informal writing Weak closing Does not introduce new material Merely repeats introduction Some ◊ ◊ Some intro component s missing Thesis statement is poor or unidentifia ble ◊ Difficult to follow May jump topics Does not prove/support thesis Citations incorrect Very few transitions ◊ Vocabulary is very basic and incorrect Some tense/pov errors Attempts but does not succeed in meting assignment Many sentence fragments/r un-ons Many spelling errors Majority of writing is informal ◊ Weak closing Introduces new material Does not refer to thesis ◊ Improper ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ ◊ Thesis missing Introduction does not introduce topic No sequence Jumps topics frequently No in-text citations No transitions Improper word choices Many tense and point of view errors Fails to meet assignment Many mechanical errors of all types Writes informally No formal closing New material introduced Does not refer to introduction Improper 16 ◊ formatted References in APA format ◊ formatting errors References mostly correct ◊ improper formatting References incomplete or incorrectly formatted ◊ format in most places References incomplete and incorrectly formatted ◊ format throughout No reference page ACADEMIC DISHONESTY POLICY: Original Work, Cheating, Plagiarism, and Paraphrasing The Herzing University Catalog addresses academic dishonesty in general in the “Student Conduct” section of the University catalog Original Work Cheating, Plagiarism, and Paraphrasing are addressed in greater detail here When completing an assignment for a Herzing University course, students are expected to original work for the assignment and to not reuse work they may have done in previous courses or other settings unless specific prior approval is granted by the instructor Cheating is defined as “the giving or receiving of aid (whether written, oral or otherwise) in order for a student to receive undeserved credit on class work, homework, tests or any other assignment that is his or her own responsibility.” Plagiarism violates the central core of Herzing University’s educational philosophy It involves stealing another person’s work and claiming it as one’s own It occurs whenever one directly copies another person’s intellectual effort and integrates it into his/her class work without giving proper credit to the author Paraphrasing is defined as "a restatement of a text or passage giving the meaning in another form” (Webster’s New Universal Unabridged Dictionary, 1996) When one paraphrases but intentionally omits authorship of the work, this, too, is a serious violation of academic honesty All Herzing University students have an individual responsibility to understand what cheating, plagiarism, and paraphrasing are The student must also be aware that the consequences for cheating and plagiarism, or for paraphrasing without proper attribution, are severe Whenever you have doubt about what constitutes cheating, plagiarism, or paraphrasing, contact your instructor With the advent of the Internet, the potential for cheating by simply cutting and pasting information into a paper is tempting Be aware that these dishonest activities will not be tolerated and instructors have access to increasingly sophisticated search engines to “test” the validity of student work Plagiarism, in particular, is easily traced Consequences and Sanctions Herzing University will, upon finding that a student has violated its policies on Academic Dishonesty, enact the following: 17 For the first offense the student may receive a zero on the assignment involved or a failing grade in the course The student will be required to repeat the entire course if completion of a failed course is needed to graduate Upon a second offense, the student may be immediately and permanently expelled from the University Academic Appeal Process The student is directed to the “Grievance/Complaint Procedure” and “Academic Appeal for Termination” sections of the Herzing University Catalog for information for petitioning the University to reconsider its action To avoid academic dishonesty, proper references to any text and outside resources are ALWAYS required You should also consult the following websites or APA reference manual to comply with this requirement: Electronic References: http://www.apastyle.org/elecref.html OWL: http://owl.english.purdue.edu/owl/resource/560/01/ APA Tip Sheet: HC APA Tip Sheet.pdf Reasons Why Sources Are Cited: Citing Sources.pdf AMERICANS WITH DISABILITIES ACT (ADA) POLICY: Herzing University is committed to addressing the needs of students who meet the criteria for special accommodations It is the University’s policy to comply fully with federal and state laws, including Section 504 of the Rehabilitation Act of 1973 and the Americans with Disabilities Act of 1990 (ADA), regarding students with disabilities Information concerning the University’s policies and procedures related to a disability can be found in the Student Handbook and Academic Catalog Contact the Online Campus Student Services Department for a copy of the "Request for Accommodation" documents should you have a need ******************************************************** 18 ... the assignment involved or a failing grade in the course The student will be required to repeat the entire course if completion of a failed course is needed to graduate Upon a second offense,... assignment for a Herzing University course, students are expected to original work for the assignment and to not reuse work they may have done in previous courses or other settings unless specific.. .COURSE DESCRIPTION: This course deals with concepts of personal financial planning and financial control Topics