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PERS BA250 personal finance

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    • Profile picture
    Jun 10, 2016
    | Would highly recommend.

    Not too easy. Not too difficult.

    Course Overview:

    I have always been aware of the importance of personal finance. I just didn’t know how to achieve it. The reading and lectures really brought some clarity on how education plays a role on personal finance. I think that everyone who has the opportunity should take this course , or even offer it in high schools . I feel that everyone should have to take this course , because it teaches you how to balance money and save . In Pre-K - 12 , we are taught basic math skills . however, we are not taught about mortgages, rent , credit, loans, and saving accounts.

    Course highlights:

    I learned about Retirement Plans, 401 K, HRA, Credit Cards, Stocks,Bonds, and Saving Accounts.I feel everyone should be informed so they can be prepared and I think less people will be victims of debt. This biggest highlight was credit cards. I say this because , alot of people have credit but do not understand APRs or interest rates. I know before this course i didnt understand those things. I gained knowledge on how to make my credit work for me , and how to utilize it to build. I think if everyone knew this , the debt in this country would not be so high. The course also taught us how to communicate with creditor , so that we could eliminate harassment.

    Hours per week:

    12+ hours

    Advice for students:

    Only tips i have is to read, reread and research. Dont just read it , and over look it. look up the key terms , try applying it to life ,and certain situations. work out how each thing could work in your current or future situations.If you have question , ask them , and dont let your finances be a bully. If utilize correctly, they can be very beneficial. I feel that with any class you take , you should absorb as much as you can, and if you are not learning then it is a problem. I would reach out to a teacher, a tutor, or do more personal research. I would not get discourage, because sometimes it is how the message is being relayed. You might have to adjust your learning to your own learning style.

    • Winter 2014
    • dont remember
    • Yes

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