Personal FinanceBU180: Webcourse using Desire2Learn (D2L)

 Course Syllabus: Spring 2019NOTICE: This Syllabus is designed primarily for “full-blown” online courses

that do not meet in a classroom. For hybrid (or web-assisted) courses that meet in a classroom, the syllabus is subject to modifications by the instructor.

Instructor: Professor Rob Hull, Clarence W. King Endowed Chair in Finance

Office: HC311-ICourse Mail: Students can use the “Class List” menu in

Desire2Learn (D2L) and choose "email" to send a message to this address: rob.hull@washburn.edu.

Login for Course: The easiest and best way to login into D2L is to go to: https://D2L.washburn.edu and use your Washburn login information.

Meeting Times / Special Needs

For full-blown webcourses, there are no meeting times per se but students are required to be available at scheduled dates and time to take mid-term and final exams online (that are set to avoid other scheduled classes). See “Dates and Times of Exams” of the “Examinations” section of this syllabus for more details. Any student with a special need should contact me immediately at rob.hull@washburn.edu.

Office Hours / Availability

The instructor is available for individual appointments either in an office setting or phone set-up. You can make appointments through D2L course mail inside the “Class List” Availability times required to take online exams were given previously in the “Examinations” section and can be found when reading the News announcements.. For phone appointments, students can request my cell phone number or give me your phone number and time to call.

Students can also use the “Class List” menu within D2L to ask questions and I will try to respond as soon as possible.

Desire2Learn Student Orientation

While most (if not all) students can probably learn how to navigate an online course on their own, there is a short online training course that can be taken. All online students should automatically be informed about this training. All the topics covered in the training will not be applicable to this particular class. The most important topics are Email, Navigating, Discussions, Quizzes and Grades.

Required Materials:

(1) Personal Finance by E. Thomas Garman and Raymond E. Forgue, 2014, CENGAGE Learning, 12th edition.

(2) A calculator of a student’s choice or Excel are two examples of tools that students can use to work problems. Some students might want to buy a business calculator for future use especially if they plan to be a business major. Without a calculator or Excel, students will have to rely largely on the textbook and its appendices and/or tables for certain numerical values.

(3) Some files like Excel and PowerPoint may have to be downloaded to properly use them. While D2L often changes so that instructions are no longer applicable, the time I checked there was an arrow off to the side of a file that gives a download option. (NOTE: For some computers and browsers, PDF files may not open up but will have to saved or downloaded.)

Prerequisites There are no prerequisites.Computer Needs Normal computer skills are required as well as access to the

internet (such as supplied by your educational institution).

Minimum technology requirements for taking a webcourse are supplied by the web technicians (Web Techs) for students taking classes with online components. If you are having problems or just want to know what works the best, please contact webtech@washburn.edu or

support@washburn.edu. Sometimes a minor problem or glitch needs to be handled by the WebTech.

Introduce Yourself

Please introduce yourself by clicking on the “Assessments” menu and then the “Discussion” link. The introduction topic thread should be visible near the top.

Report Errors Students are asked to report errors in webcourse materials by using the course mail (described above).

News Tools IMPORTANT: News announcements should be checked each time you log in to the online course as important notifications are put there. Links to assignments are also provided there. If the home page does not appear when signing in click on the name of course at the top of the page and then the announcements should appear. News announcements should show on the home page. If not, please click on the Resources menu and then the Announcements link.

Warning This is an online class and technology break-downs can occur. You are responsible for keeping up with suggested deadlines as given in News announcements and Topic Outline. You should plan accordingly.

 

Catalog Course Description 

Personal and family financial planning. Topics include: consumer legislation, consumer finance, family budgeting, estate planning, insurance, individual income tax, home buying, mortgages, retirement pensions, and investments.

  

Ethical Behavior 

Students can expect to be exposed to learning materials that relate to ethical behavior as well as find an integration of this topic within the textbook. Since testing is done online, students are trusted to do their own work. To insure this many safety precautions and insurance checks are undertaken many of which are not obvious or made known to students. The typical Washburn student is honest, works hard and strives to learn so as not to waste their tuition money.

 

Seven Major Learning Objectives (or Outcomes) for Assessment

 

1) Recognize the keys to achieving financial success, effective employment search strategies, and financial budgeting (Chapters 1, 2 and 3).

2) Understand payment of federal income taxes and management of checking and savings accounts (Chapters 4 and 5).

3) Build good credit and Understand credit cards and consumer loans (Chapters 6 and 7).

4) Know the processes involved in making major purchases such as vehicles and housing (Chapters 8 and 9).

5) Understand forms of insurance such as property, health care and life (Chapters 10, 11 and 12).

6) Acquire the fundamentals of investment in stocks, bonds, mutual funds and other vehicles (Chapters 13, 14 and 15).

7) Comprehend high risk investments and Learn retirement and estate planning (Chapters 16 and 17).

 

NOTE: Information on both major and chapter learning objectives are found by first clicking on the “Contents” menu and then scrolling down to the “Learning Objectives” module and clicking on. Then you may have to scroll back up to the Learning Objective links. As described later, there are two quizzes on the Learning Objectives – one quiz before the Mid-Term Exam and one quiz before the Final Exam.

Topic Outline (with recommended assignment dates and final exam dates)Ch. 1: Understanding Personal Finance 1/15

Ch. 2: Career Planning 1/22

Ch. 3: Financial Statements, Tools, and Budgets 1/28

Ch. 4: Managing Income Taxes 2/4

Ch. 5: Managing Checking and Savings Accounts 2/8

Ch. 6: Building and Maintaining Good Credit 2/14

Ch. 7: Credit Cards and Consumer Loans 2/20

Ch. 8: Vehicles and Other Major Purchases 2/25

Ch. 9: Obtaining Affordable Housing 3/1

Practice Mid-Term Exam: 3/6

Mid-Term Exam: 3/6 at 8:30 p.m. (Spring Break: 3/11 through 3/15)Ch. 10: Managing Property and Liability Risk 3/18

Ch. 11: Managing Health Expenses 3/22

Ch. 12: Life Insurance Planning 3/25 Ch. 13: Investment Fundamentals 4/1Ch. 14: Investing in Stocks and Bonds 4/8

Ch. 15: Raising Capital 4/15

Ch. 16: Real Estate and High-Risk Investments 4/22

Course Project Due: 4/26

Ch. 17: Retirement and Estate Planning 4/30

Practice Final Exam: 5/3

Final Exam: 5/6 at 8:30 p.m.

Examinations (return to top) (return below) 

● SCORING, CHAPTERS COVERED, & GRADES:There are two exams.

(1) The mid-term exam covers Chapters 1-9. (2) The final exam emphasizes Chapters 9-17. The final can be comprehensive in that a number of concepts and formulas introduced in earlier chapters can be found throughout the course.

More information on exams including review sheets with formulas can be found by clicking on the “Exams” module inside the “Content” menu. Once inside this module, you should familiarize yourselves with all exam-related links including two links from which you take your mid-term and final exams. Exams can be accessed (1) from clicking on the link in News announcement (this is the easiest way), (2) from the “Contents” menu and “Exam” module, and (3) from the “Assessments” menu and “Quizzes” link.

You can expect a time limit of about 90 minutes for each exam but that can be shortened for hybrid/web-assisted courses. For details on the types of exam questions, please read the “Exam Information and Instruction” link inside the “Exams” module. Exams (like quizzes) have a grace period that allow a few minutes extra.

Students should have access to general exam feedback including your score and class average after taking each exam; however, wait a day or two before any feedback becomes official.

Unlike the quizzes (which are available throughout the semester), the following applies to either a mid-term exam or final exam.

- An exam is only available to take during the designated exam date and time; and;

- Individual feedback (as found for quizzes) is unavailable for exams for security reasons but exam feedback can be requested from the instructor by using the course mail in the “Class List” menu and sending a message to rob.hull@washburn.edu.

Each exam counts one-third of your grade; the twenty quizzes also count one-third of your grade. Class participation (described later) is used to determine your grade if you are on the borderline between two grades. Doing the optional Course Project is the best way of achieving class participation credit. In summary form, the class scoring is:

Mid-Term Exam ……..………. 33⅓%

Final Exam …..……………….. 33⅓%

Quizzes ……..…………………. 33⅓%

TOTAL …………..…………… 100%See the sections in this syllabus on “Online Quizzes and Exams” and “Class

Participation and Course Project” for more information. If you receive 80% on your first quiz and have not completed any other graded tasks, then your performance (to date) should be reported as 80%. The class average should also be reported. Suppose you later receive a 74 on the Mid-Term Exam and your average for all quizzes taken up to the time is 80. Since the Mid-Term Exam and quizzes are each worth the same (e.g., worth 33⅓% of your grade), your current overall grade would be computed as (80 + 74) / 2 = 77. Now suppose later you get a 71 on the Final Exam (and maintain your quiz average of 83) then your final average would be (80 + 74 + 71) /3 = 75. Now suppose you do a number of Class Participation endeavors including the Course Project and the cut-off for a B is 76 points then you would be awarded a “B” grade by having your 75 boosted to a 76.

 

● DATES & TIMES FOR EXAMS: (return to top)Each student is required to be available to take two online exams: Mid-Term

Exam is at 8:30 p.m. on Wednesday, March 6, and the Final Exam is at 8.30 p.m. on Monday, May 6. NOTE: For hybrid/web-assisted courses,

these exams may be given in a classroom and those students would be notified in advance.- Unless special permission is granted, all students are required to take the

exam at the same time for security reasons.- If there is a technology breakdown such that the whole class cannot resume

the exam in a reasonable amount of time, then the exam will automatically be programmed for the next day at the same time unless announced otherwise. Students with conflicts with the make-up time should immediately contact the instructor and give their times of availability to take the exam.

- If a technology problem occurs for an individual while taking an exam, you should not panic. Stay calm and immediately inform me through course mail and also notify webtech@washburn.edu. Be ready to resume the exam if the problem can be quickly resolved.

Students are expected to make arrangements with employers, doctors, family, travel agents, and so forth so that conflicts are avoided for scheduled exam times.

 

● SPECIAL EXAM TIME:If you have an unavoidable conflict and want to request permission for special

time for a scheduled exam, you must notify me through course mail (in the “Class List” menu) as soon as possible. The instructor will respond and verify your special time. The instructor cannot be responsible for trying to successfully make last day arrangements. All reasons for special requests must be documented and students can be responsible for costs involved if an outside proctor has to be hired to monitor the make-up exam.

For related information see the “Make-Up Policy” section below. 

● TESTING METHODS:Exams use the following testing methods to assess if a student has mastered the

course learning outcomes.First, there is an objective part made up of true or false, multiple choice

questions, and on occasion matching questions.Second, there is a mathematical part composed of problem solving. Due to the

nature of an online exam these problems are multiple choice questions.Third, there is an analytic part that consists of analyzing important financial

management issues. Once again, due to the nature of online exam these take the form of multiple choice questions.

Examples of the above questions and problems are found for each chapter (located in the “Content” menu) and can be experienced before the exam by doing the sample chapter questions/problems for each chapter and by taking the online chapter quizzes and practice exams. By using the link within the News announcements, you can typically be reminded of (and linked to) important materials like quizzes.

Even though work cannot be shown on online exams for problems, students should still practice the following procedure when working a problem:First, write down the formula,Second, insert the proper values for variables in formulas, andThird, work the problem using the “tools” of your choice (a “tool” can be used

of a textbook table or appendix, a calculator with needed functions, or a spreadsheet application like Excel. A spreadsheet is recommended for the more complicated problems but students are free to also use any appendix or tables found in the textbook.NOTE. You can find Excel examples and a complete list of formulas in the “Items of Interest” module (inside the “Content” menu).

Ample examples on how to work problems are given in the online solutions found for each chapter’s materials within the “Content” menu, which organizes the chapter materials for the first half of the course (materials covered on mid-term exam) and the second half of the course (materials covered on final exam).

 

● EXAM INSTRUCTIONS:Posted inside the webcourse are exam instructions.Hit the "Content" menu and then the “Exams” module and you will find the

following.First, there are three links with exam information, exam instructions, and a

preparatory “What You See …” link before you take your first quiz.Second, for each of the two exams, there are practice exams. There is also

review links ("Mid-Term Exam Review” and “Final Exam Review”) with review questions and key formulas.

- The review questions can help jumpstart you in studying for each exam; however, a thorough review must be done throughout the course by completing all assigned quizzes and chapter study questions where solutions are provided.

- The formulas supplied by clicking on the "Mid-Term Exam Review” and “Final Exam Review” will be like those needed for your exams. Study these formulas and make sure you know how to use them. You do not have

to memorize these formulas because you are allowed to have formulas when you take your exams.

There is a “Chapter Formulas” link inside the “Items of Interest” module that gives students formulas that should be ordered according to chapters.- This “Chapter Formulas” link leads to a file in a PDF format because html

files cannot always process formulas given by software like MathType that are used to generate equations that are more readable.

- Another link inside “Items of Interest” is the “Excel Examples to Help Work Some Common Problems” link. This link can be very valuable for students who want to work more complicated problems quickly and accurately using a spreadsheet.

 

Online Quizzes and Exams (return) 

Besides the Mid-Term and Final Exam, there are 20 online quizzes: a Syllabus quiz (taken first), 17 chapter quizzes, and two learning objectives quizzes. Learning Objectives Quiz “1” is taken before the Mid-Term Exam and covers Chs. 1-9 and Learning Objectives Quiz “2” is taken before the Final Exam and focuses on Chs. 10-17. Scores are tabulated automatically and all scores are averaged inside the webcourse. The easiest way to take a quiz is to click on the link provided in the News announcements. The next easiest way is to click on the “Assessments” menu and “Quizzes” link. From the latter link, you can scroll down to find the quiz you want to take. NOTE: You can also try hitting the quiz link accessed by clicking on the “Content” menu and then navigating to the desired chapter for which you want to take the quiz. Once you take a quiz, you can review it as often as you like. IMPORTANT: Except for Learning Objectives Quiz 2, the highest score of the two quiz attempts is taken. For “Learning Objectives Quiz 2,” your two attempts are averaged. This latter quiz is different from all other quizzes (that have 10 questions and 20 minutes) because the Learning Objectives Quiz 2 has 14 questions/problems and you have 30 minutes to take it because these questions/problems tend to be more complicated. This quiz also asks questions over all 17 chapters. PLEASE NOTE: There are no absolute due date on quizzes but of course if you haven’t finished a quiz by the end of course you will get a zero grade that will be automatically recorded. Reminders are posted as to when students should finish quizzes so do not get behind (go to the Course Home tab for such reminders and other announcements). Also, the Topic Outline given

above have dates that are recommended for when chapter materials including quizzes should be finished.

If you want to view and study over the quiz instructions before you take your first quiz, then go to the “Content” menu, then the “Exams” link, and then the “What You See when You Click on to Take an Assessment (Quizzes & Exams)” link.- The Syllabus Quiz can be found in Ch.1’s material and should be taken before

Ch. 1’s quiz.- You are required to finish the Syllabus Quiz, the first nine chapter quizzes and

the Learning Objectives Quiz 1 before the Mid-Term Exam and the next eight chapter quizzes and the Learning Objectives Quiz 2 before the Final Exam. You should also take the practice mid-term exam before the real Mid-Term Exam and the practice final exam before the real Final Exam.

- As explained in the “Exam Information and Instructions” link (found inside the “Content” menu and then the “Exams” module), quiz questions are mostly or entirely multiple choice and true/false questions and all you have to do is click on the correct answer. For matching questions that can occur for some quizzes and exams, you have to click by each term or concept to match it with the appropriate description or definition.

- To get the feedback on a quiz question you missed, you may to hit the “expand question feedback” link. For some questions there is no feedback as none is needed.

 

Unlike quizzes, exams are only available to take during the designated exam date and time. There is also no immediate feedback on exams; however, feedback can be requested on an individual basis as noted above in the “Examinations” section. General feedback on how the class performed is typically given within a couple days after the exam.

  

Please report errors (like an error in a quiz question) using the “Class List” menu and the “Email” link by emailing the instructor at rob.hull@washburn.edu.

 

Scores and feedback on correct answers can be viewed immediately after taking a quiz.- Some types of feedback on quizzes are at time limited due to constraints of

technology. For example, exponents might be designated by “10^6” instead of “106”. Symbols are also at times modified, for example, the standard deviation symbol for sigma is expressed as “s”. Multiplication signs are not

typically used but implied, e.g., “2 × 10” or “2 times 10” is written simply as “2(10)”.

- Somewhat better feedback can typically by found for the sample chapter problems (inside the “Content” menu) where superscripts and more appropriate symbols can be used. PDF and Word document that supply formulas do not have these limitations and can use “MathType”.

 

The 17 online chapter quizzes, the Syllabus Quiz, and Learning Objectives Quiz 1 are short with only ten questions per quiz and a time limit of 20 minutes per quiz. No answers can be accepted after the time limit runs out because your quiz will be automatically saved at that point. Sometimes you will finish in ten minutes and other times it is possible that you may not quite finish; it all depends on the degree of difficulty of the questions for a particular quiz. Do not attempt a chapter quiz until you have properly studied a chapter because it can affect your quiz grade. As described previously, Learning Objectives Quiz 2 has 14 questions and you have 30 minutes to take it.NOTE: Quiz questions differ in their degree of difficulty so you may score

better on an earlier quiz because you randomly received easier questions. It is possible each of your two attempts will randomly generate more difficult questions than a classmate. However, for all of the total quizzes, things should even out.

You can review a quiz as often as you like. If you have trouble viewing a quiz you have taken then contact webtech@washburn.edu.

 

If a student does not take a quiz at least once, a zero score is eventually recorded and that is one less quiz attempt that you can review when studying for an exam.

 

Try to sign off and save your quiz or exam before your allotted time is up.- If you are given no warnings when your time is up, you are responsible for

knowing how much time you have left before you are automatically kicked off. Thus, you should save each answer individually in case you get kicked off. You may also be kicked off due to internet or technical problems and thus you should save answers individually in case you have to resume a quiz; if kicked off due to internet problems you should be able to resume your quiz by logging in with no lost time. Typically, you have a 3-minute grace period if you have not saved your answer and submitted your quiz or exam at the end of the designated time limit. Quizzes for Chs. 1 and 2 have longer grace periods – Ch. 1 Quiz is difficult and has a 10-minute grace period; Ch. 2 has a 5-minute grace period.

- The best way to ensure you can finish on time is to be prepared before you take the quizzes; this includes having all mathematical formulas ready beforehand.

 

If something beyond your control (like a technical breakdown) prevents you from finishing on time and resuming your quiz, report all the details to the Web Techs at webtech@washburn.edu. Also, notify me through course mail at rob.hull@washburn.edu about the problem and I will program another attempt if a better solution is not available. Please keep in mind that I typically cannot fix technical problems (such as related to D2L not functioning) so it often does little good to tell me without telling the Web Techs.

   

REMINDER: You are responsible for taking the quizzes by the suggested date given in the News announcements. I suggest even trying to keep ahead of schedule because technology breakdowns can occur so you need to plan ahead to avoid that risk.

  

Class Participation and Course Project (return) 

The Class Participation can vary depending on whether the course is taught as a full-blown online course or a hybrid/web-assisted course. For example, for a hybrid course, class attendance can be more readily recognized as described below, (ii) the number of “good posts” and “good replies” accompanying a discussion thread and (iii) the completion of other optional assignments (given inside the webcourse). Students can initiate their own discussion within the “Lounge Area” for Discussion Threads” link but the topic has to be related to the course materials.

- Do not worry if other students do not reply to your posts as you are only responsible for making your own posts.

- Students must complete all of their posts and replies by the last official class day (but are encouraged to not wait until the last week to start making posts).

Examples of Class Participation include:- One way of participating is by clicking on the “Learning Objectives”

module and making a post on the “Discussion” thread found there.- Another way of participating is by research related to reading an article

related to course materials such as Kiplinger’s Personal Finance or looking at a personal finance website such as www.Monster.com or www.zillow.com/ to find an article related to a key concept such as job

search and house buying. The student follows up on this by using the “Lounge Area for Discussion Threads” link to post a comment about their research.

- Doing a case study given in the textbook (and starting a thread to discuss aspects of this case study) is another example of Class Participation.

- At times, links to online articles (sometimes with accompanying videos) might be found inside course tools. You can make posts within the “Lounge Area” on these articles and videos as well as on speakers (you have heard talk on a personal finance topic).

- You can start a thread by hitting the “Assessments” menu, then “Discussion link,” then scroll down to the “Lounge Area” and then hit “Start a New Thread.” You can also respond to an existing thread in a similar manner.

- If students read an article related to class materials and do not make a post then there is no way for the instructor to award Class Participation credit.

- Read other students’ posts and respond with your own reply. The webcourse gives you credit whenever you read an article even if you don’t reply and make your own post. However, making a post in much better than just reading someone else’s post.

The optional Course Project will consist of a student taking a topic (like buying a car or investing in mutual funds) and doing some first-hand research and then writing about a three page paper on the topic. You will be graded as much on your ability to succinctly express your findings as opposed to length. If you have first-hand experience on a topic you wish to write-on (such as a car purchase or purchase of stock) then that will add a further dimension to your project. The Course Project module gives suggestion for projects. If you have other ideas for a project besides those suggested in the file within the “Course Project” module called “Ideas for your Course Project,” then just make sure it relates to personal finance. Whatever project you choose, your research on that project can not only include reading materials but also can ideally involve talking to a professional related to your topic. A professional would be someone like a banker or financial expert or insurance professional. You are to read the suggestions over before you choose your project. There is a discussion thread on this topic in the “Course Module” if you want to communicate with classmates about your topic. To help prepare for an exam you might plan your Course Project to coincide with when it is covered in the course. For example, if you do a project on buying a car, that topic is found in Chapter 8 and this

chapter is covered in the Mid-Term Exam. University Policy requires that your Course Project be turned before the last week of class but it is recommended you do it as early as possible and submit it using the dropbox provided within the “Course Project” module.

 

Expected Grading Scale (return) 

"A": 90 to 100 percent; "B": 80 to 89 percent; "C": 70 to 79 percent; "D": 60 to 69 percent; "F": below 60 percent.

Any change in the expected grading scale will not be determined until all exams are graded and total points tallied for all students. For many classes, a better indication of your grade is your class rank (e.g., if your total point average is 72% but you are in the top half of the class, you could have a “B” grade and so forth). This course will be designed and taught in a manner such that only the most deserving students will receive an “A”. Those who work hard and follow instructions should be able to receive a “B” grade. Student who perform at a minimum but satisfactory level will get a “C” grade. Students who enroll in the course but do not do all of the work should expect a grade below a “C”.

 

Homework / Exam Preparation 

Unless stated otherwise, there is no online assigned homework that is required to be turned in (as solutions to sample chapter questions/problems are supplied online and student can go over the sample chapter questions/problems on their own); however, students are free to ask questions about any questions/problem (or for hybrid/web-assisted courses, you can ask your questions in class).- Sample chapter questions and problems can be found by clicking on the

“Content” menu and then the desired chapter materials link.- All solutions to sample chapter questions and problems are posted and (as

noted previously) students can check their answers with the posted solutions. Click on the “Content” menu and then the desired “Solutions to Sample Chapter Questions and/or Problems” link.

- Students who find errors on solutions to sample chapter questions and problems can report these and help their class participation grade.

Before taking exams, students are expected to do the following:- Prior to the Mid-Term Exam, students are to have read Chapters 1−9 and

studied the questions/ problems/solutions/formulas for these chapters that are found by clicking on the “Content” menu and then the “First Half of Course…” module and its links. Students are also to have completed the

Syllabus Quiz (found in Ch. 1 materials) and Online Quizzes for Chs. 1−9 by clicking on the quiz links within the chapter materials links. There is the “Learning Objectives Quiz 1” that is found within a News item (or from the “Assessments” menu and Quizzes link).

- Prior to the Final Exam, students are to have read Chapters 10−17 and studied the questions/ problems/solutions/formulas for these chapters that are found by clicking on the “Content” menu and then the “Second Half of Course…” module and its links. Students are also to have completed Online Quizzes for Chs. 10−17 and by clicking on the quiz links within the chapter materials links. There is also the “Learning Objectives Quiz 1” to take that is found within a News announcement item (or from the “Assessments” and Quizzes link).

- Prior to exams, students should review the formula sheets found in the “Content” menu by clicking on the "Exam" module and then the “Mid-Term Exam Review” link and the “Final Exam Review” link.

- Prior to exams, it is recommended that students thoroughly study the seven major learning objectives found in the “Content” menu by clicking on the “Learning Objectives” module and its links.

- Because exams are much longer than quizzes students should take the practice exams to get an idea of what taking a longer exam will be like.

 

Attendance / Availability Policy 

Attendance (or “availability”) is required to take both online exams. For hybrid/web-assisted courses, attendance in a class room can be required. Availability times required to take online exams were given previously in the “Examinations” section. Once again, exceptions are for hybrid/web-assisted courses as classroom time can be allowed for exams and quizzes.

 

Make-up Policy (return) 

Make-up exams can be arranged for special cases of unavoidable conflicts that students must document. As noted above, students are responsible for working with employers (or other parties) so they can take their exams at the scheduled times.

Except for extreme emergency cases, the arrangement should be made at least one week prior to the scheduled exam time by contacting me through course mail using the “Class List” menu.

 

Disclaimer 

You should not wait until the last day to finish online materials as technical difficulties can occur for classes with online components. So finish your work as early as possible.

The syllabus and all of its contents (including exam times and details) are subject to changes whenever circumstances warrant such changes. Thus, if you choose to print out the syllabus keep in mind it can change. It is a wise practice to periodically read the syllabus as it is hard to absorb all details with one reading. Students are rewarded with this effort through getting a high grade on the Syllabus quiz.

 

Prerequisites 

Official Washburn University Policy:“It is the responsibility of the student to meet all prerequisite requirements for courses in which the student is enrolled. A student failing to meet prerequisite requirements is subject to administrative withdrawal from the course at any time.”

 

Master Syllabus Files Supplied by University to Supplement Syllabus

 

For the University additions to course syllabus, see the “Master Syllabus File” located in the “WELCOME TO BU180 (ONLINE PERSONAL FINANCE)” link, which is inside the “Content” menu. Topics covered include:

Mission of the University, Definition of a Credit Hour, Academic Misconduct Policy, Disability Services, Office of Advising, Withdrawal Policy, Attendance/Administrative Withdrawal, Official E-Mail Address, and Success Week.