SRJC Course Outlines

9/22/2023 3:46:42 PMCNIS 90 Course Outline as of Fall 1985

New Course (First Version)

Discipline and Nbr:  CNIS 90Title:  MONEY MANAGEMENT  
Full Title:  Money Management
Last Reviewed:3/30/2009

UnitsCourse Hours per Week Nbr of WeeksCourse Hours Total
Maximum3.00Lecture Scheduled3.0017.5 max.Lecture Scheduled52.50
Minimum1.00Lab Scheduled08 min.Lab Scheduled0
 Contact DHR0 Contact DHR0
 Contact Total3.00 Contact Total52.50
 Non-contact DHR0 Non-contact DHR Total0

 Total Out of Class Hours:  105.00Total Student Learning Hours: 157.50 

Title 5 Category:  AA Degree Applicable
Grading:  Grade Only
Repeatability:  00 - Two Repeats if Grade was D, F, NC, or NP
Also Listed As: 

Catalog Description:
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Principles of money management with emphasis on making day-to-day decisions in the use of resources to solve problems in areas of budgeting, credit, housing, automobiles, estate and retirement planning, investments, taxes and other consumer issues.


Recommended Preparation:
Eligibility for ENGL 100 or ESL 100.

Limits on Enrollment:

Schedule of Classes Information
Description: Untitled document
Current information on insurance, housing, banking, credit, retirement planning, etc. to make informed decisions regarding money.
(Grade Only)

Recommended:Eligibility for ENGL 100 or ESL 100.
Limits on Enrollment:
Transfer Credit:CSU;
Repeatability:00 - Two Repeats if Grade was D, F, NC, or NP


Associate Degree:Effective:Inactive:
CSU GE:Transfer Area Effective:Inactive:
IGETC:Transfer Area Effective:Inactive:
CSU Transfer:TransferableEffective:Fall 1985Inactive:Spring 2016
UC Transfer:Effective:Inactive:

Certificate/Major Applicable: Certificate Applicable Course


Outcomes and Objectives:
At the conclusion of this course, the student should be able to:
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The students will:
1.  Apply economic principles and concepts to consumer decisions.
2.  Develop a working vocabulary of consumer-related terms and an
   understanding of their meanings.
3.  Manage a limited amount of income to meet needs, satisfy wants
   and attain goals.
4.  Compare alternative solutions to everyday problems in managing
   limited resources and choose according to personal values and
5.  Practice techniques of sound money management.
6.  Investigate facts before making a decision regarding the allocation
   of money.
7.  Practice analysis and criticism of decisions.
8.  Employ creative thinking skills and exercise decision-making skills
   inherent to consumer issues in a complex, technological society.
9.  Increase preparedness for predictable and random change.

Topics and Scope
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1.  Apply principles of sound money management in controlling cash flow
   to meet needs, satisfy wants and attain goals - Budgeting.
2.  Compare costs and services of banking institutions to meet
   consumer needs for checking and savings accounts, IRA's, CD's, MM
   accounts, etc. - Banking.
3.  Explore the advantages and hazards of using credit to purchase
   necessities - Credit.
4.  Analyze investment vehicles according to the Investment Pyramid -
5.  Examine current tax laws with emphasis on reducing tax expenditures -
6.  Discuss the different types of life insurance and evaluate the
   advantages and cost of each in making informed decisions at each
   stage of the life cycle - Life Insurance.
7.  Explore many facets of retirement planning, including savings,
   IRA's, pensions, wills, trusts, funerals, and social security -
   Planning for Retirement.
8.  Investigate different types of health insurance coverage - Health
9.  Compare alternative solutions to housing, including consumer laws,
   costs, and facts needed to make wise decisions throughout the
   life cycle - Housing.
10. Discuss techniques and facts needed to provide adequate, economical
   transportation and insurance within a limited income - Automobiles.
11. Report incidents of consumer fraud, effects of advertising and
   cultural demands which compete for consumer dollars -- Advertising,
   Fraud, Drugs, Cosmetics.
12. Investigation of facts and choices available in making a desision
regarding the purchase of a consumer good -- Term Paper

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1.  Reading assignments in text, supplemented by current articles and
   lecture notes.
2.  Keep record of expenditures for two months, define values and goals
   and develop a balanced budget for the month of (November, April).
   Summarize your philosophy, techniques and results of budgeting in
   an essay.
3.  Develop your net worth on (January 1, April 15).
4.  Make household inventory of all your belongins including date
   purchased, cost or estimated value, brand name, model number and
   a short description.
5.  Investigate the costs and services of your banking institution.
   Results from class will be compiled for comparison of banks in the
6.  Make a list of all the credit cards you own with number, address
   and phone number to call in case of loss or theft.
7.  Make a will, handwritten or legal, including heirs, guardians and
   secondary beneficiaries and guardians.
8.  Create a letter of instruction, designating life insurance policies,
   pensions, IRA's, checking and savings accounts, property owned,
   funeral arrangements preferred, etc. to be used in the event of
   your unexpected demise.
9.  Survey one grocery store and one drug store for current prices;
   results to be compiled for comparison shopping.
10. Compare costs of car insurance from three companies for at least
   one car. Results to be compiled for class use and comparison.
11. Locate examples of different types of advertising according to a
   list of 10.
12. Submit one newspaper or magazine article regarding fraud with an
   essay on this type of fraud and how it could be avoided and stopped.
13. Investigate the facts and choices available in making an informed
   decision regarding the purchase of a consumer good or service.
   Write a term paper (10 pp.), using 5 references, including facts and
   a summary supporting your decision.
14. Share results of investigation with class in a 5-15 minute oral

Methods of Evaluation/Basis of Grade.
Writing: Assessment tools that demonstrate writing skill and/or require students to select, organize and explain ideas in writing.Writing
15 - 35%
Written homework, Essay exams, Term papers, READ ARTICLES, MARKET SURVEYS
Problem solving: Assessment tools, other than exams, that demonstrate competence in computational or non-computational problem solving skills.Problem Solving
15 - 25%
Homework problems, Field work, Quizzes, Exams, TAKE HOME TEST (OBJ/ESSAY)
Skill Demonstrations: All skill-based and physical demonstrations used for assessment purposes including skill performance exams.Skill Demonstrations
10 - 30%
Class performances, Field work, Performance exams
Exams: All forms of formal testing, other than skill performance exams.Exams
25 - 50%
Multiple choice, True/false, Matching items, ESSAY
Other: Includes any assessment tools that do not logically fit into the above categories.Other Category
5 - 15%

Representative Textbooks and Materials:
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Personal Finance, 3rd ed., Kapoor, Dabley & Hughes 1994, Irwin Pub.

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