SRJC Course Outlines

11/23/2020 2:30:00 PMBAD 67 Course Outline as of Fall 2017

Inactive Course
CATALOG INFORMATION

Discipline and Nbr:  BAD 67Title:  FINANCIAL PLANNING  
Full Title:  Financial Planning & Investment
Last Reviewed:1/24/2011

UnitsCourse Hours per Week Nbr of WeeksCourse Hours Total
Maximum3.00Lecture Scheduled3.0017.5 max.Lecture Scheduled52.50
Minimum3.00Lab Scheduled06 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 or P/NP
Repeatability:  00 - Two Repeats if Grade was D, F, NC, or NP
Also Listed As: 
Formerly: 

Catalog Description:
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Personal and business investment alternatives and means of financing them.  Methods of planning and management of personal finances given projected levels of income and expenditure.  Influence of economic conditions and tax rates on investment alternatives.

Prerequisites/Corequisites:


Recommended Preparation:
Eligibility for ENGL 100 or ESL 100

Limits on Enrollment:

Schedule of Classes Information
Description: Untitled document
Personal and business investment alternatives and means of financing them.  Methods of planning and management of personal finances given projected levels of income and expenditure.  Influence of economic conditions and tax rates on investment alternatives.
(Grade or P/NP)

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

ARTICULATION, MAJOR, and CERTIFICATION INFORMATION

Associate Degree:Effective:Inactive:
 Area:
 
CSU GE:Transfer Area Effective:Inactive:
 
IGETC:Transfer Area Effective:Inactive:
 
CSU Transfer:Effective:Inactive:
 
UC Transfer:Effective:Inactive:
 
C-ID:

Certificate/Major Applicable: Certificate Applicable Course



COURSE CONTENT

Outcomes and Objectives:
Upon completion of the course, students will be able to:
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Upon successful completion of the course, students will be able to:
1. Evaluate an individual financial plan to assess its ability to function as a means of capital accumulation balanced with income generation.
2. Compare and contrast the advantages, disadvantages and analyze the tax implications of various investment and planning tools and techniques.
3. Determine where and how to purchase a given financial tool, calculate any fees or acquisition costs associated with a particular tool, prioritize the decisions that must be made once a specific type of investment vehicle has been chosen to judge the best of its type.
4. Show relationship of Federal Reserve interest rates and Dow Jones Averages on various investment vehicles.
5. Summarize retirement and child education needs and break down into an estimated monthly budget that incorporates asset allocation to maximize growth and provides an appropriate measure of capital protection.
6. Assemble required information to calculate current year's estimated taxes.
7. Compare and contrast traditional and online investment options; inspect internet resources and evaluate information available online.
8. Survey local real estate market; examine how to buy, sell and finance personal residence and income property.  Determine required income level; inspect mortgage options, including tax implications of title holding.
9. Critique life, health and disability insurance as an instrument of investment.
10. Compare and contrast wills, trusts, probate options.  
11. Show relationship of titling assets and estate tax effects.

Topics and Scope
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A. Principles of financial planning and personal portfolio management
   1. overview of financial planning and process
   2. self-assessment of financial planning and expectations
B. Lending, Bonds & Interest Rates
   1. asset allocation
   2. certificates of deposit
   3. corporate bonds
   4. mortgage-backed securities
   5. municipal bonds
   6. mutual funds
   7. general concepts of tax shelters
   8. US government securities
   9. zero-coupon bonds
C. Stock market
   1. commodities
   2. common stocks
   3. convertible securities
   4. put and call stock options
   5. world wide investing
D. Tax Free and Tax Deferred Investing
   1. fixed annuities
   2. variable annuities
E. Planning for Retirement
   1. rate of return computations
   2. gold and other precious metals
   3. overall retirement plan evaluation
      a. 401(k)
      b. 403(b)
      c. pension plans
   4. real estate as a retirement tool
   5. Simplified Employee Pension (SEP)
      a. Uniform Transfer to Minors Act Accounts (UTMA)
      b. Uniform Gift to Minors Act Account (UGMA)
      c. direct ownership
F. Saving for Education
   1. calculating college education needs
   2. 529 plans vs. UTMA
G. Tips on Tax Planning
   1. evaluate life insurance products
   2. traditional Individual Retirement Accounts (IRA)
   3. Roth IRA
H. Internet Investment Options
I. Real Estate
   1. Personal Residence
   2. Investment Property
J. Life, health and disability insurance
K. Estate planning
   1. wills
   2. trusts

Assignments:
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1.  Reading in text of 16-50 pages weekly
2.  Written case studies
3.  2 to 3 midterm exams and a final exam
4.  In-class written assignments
5.  Participation in classroom activities
6.  Term paper: financial plan

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
30 - 65%
Term paper, written assignments
Problem solving: Assessment tools, other than exams, that demonstrate competence in computational or non-computational problem solving skills.Problem Solving
10 - 30%
Written case studies
Skill Demonstrations: All skill-based and physical demonstrations used for assessment purposes including skill performance exams.Skill Demonstrations
0 - 0%
None
Exams: All forms of formal testing, other than skill performance exams.Exams
10 - 35%
Midterms and final exam: Multiple choice, True/false
Other: Includes any assessment tools that do not logically fit into the above categories.Other Category
5 - 10%
Participation


Representative Textbooks and Materials:
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The Tools and Techniques of Financial Planning, Leimberg, Satinsky, LeClair and Doyle, Jr.  9th Edition. Published by NuLaw Services. 2009.

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