Mrs. Palmo
Periods: 1, 4, 5, 6, 8, 9
Contact: or call 856-223-2700 ext. 3519
This course will teach students how to apply reliable information and systematic decision making to personal financial decisions. Students will learn how to use a career plan to develop personal income potential, organize personal finances, use a budget to manage cash flow, and how to maintain creditworthiness and manage debt.
Unit 1:  Income
Students recognize the fundamental role of income in managing their personal finances and the factors that affect income and take-home pay.  They understand that the decisions they make about education and career will have an impact on their potential income and quality of life.
Unit 2:  Saving, Investing, and Risk Management
Students explore why saving money is critical, and they compare investments as a part of their overall financial planning.  They also examine risk and how insurance may help protect savings.
Unit 3:  Debit and Credit
Students compare financial institutions and their services.  Through discussion and a game activity, they also weigh the advantages and disadvantages of debit and credit.  Finally, students examine the role credit scores and credit reporting have on personal finances.
Unit 4:  Budget+
Students discover the importance of spending money wisely and recognize a budget as a valuable tool.  They create personal budgets based on saving and lifestyle goals and day-to-day situations.
Unit 5 & 6 The Simulation and Debriefing
Students experience the JA Finance simulation, where they apply classroom learning by creating a family budget based on a hypothetical life situation.  They recognize the impact of credit history on budget planing and purchasing options.  During classroom follow-up, students exploe their insights and revisit their career goals to see how those might have changed following their JA Finance Park exprience.
 Electronic Devices (Tablets, personal computers, phones and headphones will be considered electronic devices)

Any student that chooses to bring an electronic device must place their device on the teacher desk immediately upon entering the classroom.  The student may pick up their device once the bell rings at the end of class, no sooner. Students that fail to comply with this policy will be asked to leave the room immediately.   First offense will result in a detention.  Each subsequent offense will result in a white card referral. 


Please understand that the goal of this policy is to optimize student learning, eliminate distractions and enable students to better focus on their classwork.  There is no personal agenda at work here, only a desire for each student to perform at their best.  Thank you in advance for your cooperation with this policy.

 Grading Policy



Types of   Work

% of   Grade

3 Major   Assessment

Classwork/Homework,   Projects, Participation (Conduct, Bringing Materials to Class, Staying on   Task,


3 Minor   Assessment

Tests   (One will be a common comprehensive assessment) 


5 or   more Daily Assessment


Do Now   Questions,