Hello, dear friend, you can consult us at any time if you have any questions, add WeChat: daixieit

 

CFS 3350 Individual and Family Financial Management

 

Course Description & Goals

CFS 3350 Individual and Family Financial Management is a junior-level course in the Child and Family Studies program at Baylor University for the “study of individual and family financial decisions, planning and management.” The unique element of this class is that it seeks to integrate basic financial principles, such as credit, housing, insurance, and retirement, with conversations on how family dynamics and societal realities affect the financial well-being and management across the lifespan.  

Certified Family Life Education | The content of this course is approved by the National Council on Family Relations (NCFR) to meet content area #6 Family Resource Management per the 10 content professional standards for Certified Family Life Educators (CFLE). Fulfillment of all courses on the CFLE checklist for the Child and Family Studies program at Baylor allows students to apply for provisional certification upon graduation. If you are interested in pursuing certification, please contact Dr. Nicole McAninch, Division Lead for CFS, for more information.

About the Instructor 

Lindsey Camp

Virtual Office Hour by appointment, please email to schedule

[email protected]

Student Learning Goals

By successfully completing all objectives and assignments for this course, you will be able to:

· Discuss the bidirectional influence of individual development, the family lifecycle, and societal norms on family financial management and decision-making.

· Assess the influence of family functioning, including interpersonal communication, on financial management decision-making and management.

· Identify the role of goals and values on family financial management and well-being.

· Compare and evaluate financial services as they relate to family financial management and well-being.

· Apply principles of financial management to optimize financial well-being across the lifespan.

Course Textbooks

Davilla-Robbins, R. A., & Thompson, A. F. (2020). Communicating finances in the family: Talking and taking action. Cognella: San Diego. 

Selinger, F. (2018). The missing link: From college to career and beyond (6^th ed.). Pearson Publishing.

Textbook reading assignments are due by class time the day in which they are assigned. The Selinger textbook covers financial principles and the Davilla-Robbins textbook applies financial principles to family life.

Course Assignments 

In order to achieve the course goals listed above, you will be asked to complete 3 objectives this semester: 

Objective 1: Complete objective assessments on family financial management concepts.

To gauge your understanding of course material, including text readings, mini-lectures, and supplemental videos, you will be asked to complete QUIZZES for each content unit on Canvas. The quizzes will contain objective-style questions, including multiple-choice, true-false, and matching.

Objective 2: Complete content-integrative activities on family financial management.

Beyond objective assessments, you will also be asked to reflect and apply course content material through activities designed to integrate course content into real-life scenarios. These activities will take the form of either personal reflections or scenario activities: 

· DISCUSSION BOARDS

You will be provided prompts that will guide you through the process of exploring personal, familial, cultural, economic, and sociohistorical aspects of financial management and well-being. 

· APPLIED ACTIVITIES

You will be presented with scenarios and activities dealing with a range of family financial planning issues, including: goals, income and budgets, credit usage, housing and transportation, insurance, and retirement. Through these activities, you will identify, discuss, evaluate, and suggest options with consideration to the family structure and life-cycle. 

Objective 3: Complete a comprehensive spending plan integrating course content and personal spending information. 

· SPENDING NOTEBOOK

For 4 weeks, you will track your personal spending in order to identify patterns, consider money values, and set short-term and long-term financial goals. To achieve this objective, you will record daily spending into a spending log (template on Canvas) beginning Sunday, March 27, 2022 through Saturday, April 23, 2022. The data collected from the activity will guide the development of the final comprehensive spending plan.

· SPENDING PLAN

Through the final project, you will develop a post-graduation (undergraduate or graduate) spending plan, including documentation and discussion for the estimated budgeted items on the spending plan, with a paper that will integrate financial principles and personal financial values. This is a comprehensive project that will bring together aspects of learning as it relates to income, budgeting, credit, housing/transportation, insurance, and retirement.

Assignment Points & Grading Scale

Below you will find a breakdown of the points to be earned this semester as a measurement of your understanding of the course material, and a visualization of the letter grade explanations for this class.

Assignments

Quizzes (13 @ 15 points each) 195 points

Discussion Boards (14 @ 25 points each) 350 points

Applied Activities (12 @ 25 points each) 300 points

Spending Notebook 75 points

Comprehensive Spending Plan & Reflection 200 points

Total Points 1120 points

The following provides a breakdown of the grading scale for the course: 

Category	Letter Grade	Overall Grade Percentage	Description
Exceptional	A	93 – 100%	Student has demonstrated an excellent understanding course concepts.
	A-	90 – 92%
Good	B+	87 – 89%	Student has demonstrated a working understanding of course concepts.
	B	83 – 86%
	B-	80 – 82%
Adequate	C+	77 – 79%	Student has demonstrated a beginning understanding of course concepts; may be missing assignments.
	C	73 – 76%
	C-	70 – 72%
Poor	D	66 – 69%	Student has not demonstrated basic understanding of course concepts; may be missing assignments.
Does not meet standards	F	65% and below	Student has not achieved the requirements needed for completion of the course.

Course Expectations & Culture: 

About Grades:

You may anticipate timely updates as to your status in the course. Should problems or concerns arise with your class/grade performance, I urge you to contact me immediately. If you have a concern about a specific grade, you must do so within a week of the recorded grade with documentation for the concern. Please be proactive in monitoring your course progress and discussing it with me. This is important because grades are not rounded up, nor are bonus points awarded, to bump students from one letter grade to the next for any reason at the end of the semester. Do your best work early – it will pay off!

About Missed and Late Work:

Assignments are due when scheduled on the course schedule. When given previous notification, I may accept late assignments with points deduction (10% for the first day, 20% for the 2-3 days, 50% for day 3 – 4; no points after day 5). Please note that I require documentation for acceptable reasons for late work, including illness, accident, death in the family, etc. 

Please reach out to me and ask if you have questions or feel like you’re getting behind.

University Resources & Policies 

Academic Accommodations

Any student who needs academic accommodations related to a documented disability should inform me immediately at the beginning of the semester. You are required to obtain appropriate documentation and information regarding accommodations from the Office of Access and Learning Accommodation (OALA). Contact Information: (254) 710-3605 - Paul L. Foster Success Center, 1^st floor on the East Wing of Sid Richardson.

Academic Success

My role as a faculty member is to ensure that I provide every resource and opportunity for you to perform well in class. If I notice concerns in regards to your attendance, assignment performance, and/or grades, please know that I will submit an Academic Progress Report to the Success Center in order to connect you with invaluable resources designed to help you succeed. Familiarize yourself with the culture of success we have at Baylor by stopping by the Paul L. Foster Success Center in Sid Richardson or by going to:  http://www.baylor.edu/successcenter/. 

 

Academic Integrity

Plagiarism or any form of cheating involves a breach of student-teacher trust. This means that any work submitted under your name is expected to be your own, neither composed by anyone else as a whole or in part, nor handed over to another person for complete or partial revision.  Be sure to document all ideas that are not your own. Instances of plagiarism or any other act of academic dishonesty will be reported to the Honor Council and may result in failure of the course. Not understanding plagiarism is not an excuse.  You may use online resources to study for this course, but you must do so in ways that are consistent with all aspects of the Baylor University Honor Code (see, specifically, Section III.C.12 and Section III.C.16).  As a Baylor student, I expect you to be intimately familiar with all aspects of the Honor Code, which can be found at this link: http://www.baylor.edu/honorcode

Attendance

During this unprecedented time of a global pandemic, class attendance must be approached differently from the way it would in a standard semester.  If you are sick or have any symptoms (even if they are slight) that might relate to COVID-19, please stay home to protect yourself, your classmates, and your professors.  As your instructor, I will expect that you work with me to enable you to receive any necessary course content (including classroom lectures) and complete any assignments, quizzes, or exams that you may miss due to being sick or having COVID-19-related symptoms. I also expect you to notify me prior to class if you will be missing for COVID-19 or any other health-related reason.  If you are well, have no symptoms, and are not required to remain at home for any COVID-19 or other health-related reason, you should attend class and abide by all of the University’s health protocols.  Attendance during this time may take many forms due to the various course formats being offered this fall.  Be sure to pay careful attention to the additional details below that describe how attendance and class participation will be incorporated into my course. 

Importantly, Baylor’s Health Services department on the Waco campus no longer provides notes to “excuse” students from missed classes.  Please do not ask Health Services for such documentation.

 

Class Format Conversion

Due to the COVID-19 pandemic, this course may need to be converted to a [hybrid or] online format at some point in the semester.  I have anticipated this possibility as I have prepared for the course, and will provide necessary information for you in that event.

Face Coverings

Baylor University is committed to providing a safe educational environment for all students, faculty, and staff.  In order to create the healthiest environment possible, students and instructors must properly wear face coverings over their mouths and noses while in Baylor buildings and while in the classroom.  In addition, social distancing should be maintained within all classroom environments.  

Any student who does not bring a face covering or refuses to wear one will be dismissed from class and be considered absent.  If a student who is not wearing a face covering refuses to leave class, the instructor may dismiss in-person class for that day.  Such a student will be subject to disciplinary action through the Student Code of Conduct.

First Generation College Students

Baylor University defines a first-generation college student as a student whose parents did not complete a four-year college degree. The First in Line program at Baylor is a support office on campus for first-generation college students to utilize if they have any questions or concerns. Please contact First in Line at [email protected], call 254-710-6854, or visit www.baylor.edu/firstinline to learn more about the services available.

Military Student Advisory

Veterans and active duty military personnel are welcomed and encouraged to communicate, in advance if possible, any special circumstances (e.g., upcoming deployment, drill requirements, disability accommodations). You are also encouraged to visit the VETS Program Office with any questions at (254) 710-7264.

Office of Equity and Title IX

Civil Rights Policy and Sexual and Interpersonal Misconduct Policy

Baylor University does not tolerate unlawful harassment or discrimination on the basis of sex, gender, race, color, disability, national origin, ancestry, age (over 40), citizenship, genetic information or the refusal to submit to a genetic test, past, current, or prospective service in the uniformed services, or any other characteristic protected under applicable federal, Texas, or local law (collectively referred to as Protected Characteristics). If you or someone you know would like help related to an experience involving: Sexual or gender-based harassment, sexual assault, sexual exploitation, stalking, intimate partner violence, or retaliation for reporting one of these types of prohibited conduct, please visit www.baylor.edu/titleix, or contact us at (254) 710-8454, or [email protected]. Harassment (excluding those issues listed in #1) or adverse action based on Protected Characteristics, please visit www.baylor.edu/equity, or contact us at (254) 710-7100 or [email protected]. 

The Office of Equity and Title IX understands the sensitive nature of these situations and can provide information about available on- and off-campus resources, such as counseling and psychological services, medical treatment, academic support, university housing, advocacy services, and other forms of assistance that may be available. Staff members at the office can also explain your rights and procedural options. You will not be required to share your experience. If you or someone you know feels unsafe or may be in imminent danger, please call the Baylor Police Department (254-710-2222) or Waco Police Department (9-1-1) immediately. 

Except for Confidential Resources, all University Employees are designated Responsible Employees and thereby mandatory reporters of potential sexual and interpersonal misconduct violations. Confidential Resources who do not have to report include those working in the Counseling Center, Health Center and the University Chaplain, Dr. Burt Burleson.

University Writing Center

I encourage you to visit the University Writing Center (UWC) this semester and get feedback on your writing for this course. Located in Moody Library 2nd floor West, the UWC offers free assistance to you at any stage of the writing process (brainstorming, researching, outlining, drafting, revising, editing). In their feedback, the consultants focus on higher order concerns, such as content, thesis, evidence, and organization, before grammar or style. The UWC tutors will not proofread, edit, or write your paper for you, but they will equip you with a toolbox of strategies to improve your writing, research, and editing skills. Please take the assignment prompt, your paper/text, and other materials you might need with you to your appointment. Please include my name as the professor, and a report will automatically be sent to me after your session. You can set up an appointment online at www.baylor.edu/uwc, call the UWC at (254)710-4849, or stop by in person.