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Mrs. Palmo
Periods: 3, 4, 5, 7, 8
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 about personal income potential, organize personal finances, use a budget to manage cash flow, and how to maintain creditworthiness and manage debt.
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.
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.
Debit and Credit
Students compare financial institutions and their services and examine the effect credit scores and credit reporting have on personal finances.
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.
Electronic Devices (Tablets, personal computers, phones and headphones will be considered electronic devices)

Any student that chooses to bring an electronic device to class must immediately, upon entering the classroom, turn it off and keep it out of sight by putting it in a pocket, purse, or bookbage .   Students that fail to comply with this policy will be referred to their disciplinairain by a written white card.   


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

 Tests and/or Projects (One will be a common comprehensive assessment)


3 Minor   Assessment

 Quizzes, and/or Projects, 


5 or   more Daily Assessment


Do Now Questions, Classwork, & Participation which consisits of Conduct in class, Staying on Task in class, and turning in completed classwork assignments,