1001 Rogers Street
Columbia, MO 65216
17 / SPRG2 - Late Spring 8-week Session
17 / SPRG2 - Late Spring 8-week Session Evening Campus
1001 Rogers Street
Columbia, MO 65216
|Course Prefix and Number:||FINC 298|
|Course Title:||Personal Financial Planning|
|Semester Credit Hours:||3|
|Class Day and Time:||
5:30 p.m.- 9:30p.m.
This course is web-enhanced, taught entirely in a classroom setting using D2L course management software to supplement in-seat content.
Broad coverage of personal financial decisions including basic financial planning, managing savings, taxes, the use of credit, buying a house, making insurance and employee benefit decisions, managing investments, and saving for retirement. Offered Fall and Spring.
- Personal Finance-Turning Money into Wealth 7th edition
- Author: Keown (Pearson)
Course Learning Outcomes
- Explain the components of a financial plan and the basics of the U.S. Income tax system.
- Explain strategies for managing cash and credit.
- Demonstrate an understanding of the basic types of life, health, and property insurance.
- Demonstrate an understanding of the fundamentals of investing including tax-advantaged investments
- Demonstrate an understanding of retirement and estate planning.
Additional Instructor Objectives
We will have guest speakers, individuals properly licensed to discuss the assets they provide to clients. These speakers will address relevant issues in their respective industries, the planning processes and answer student questions.
Special Course Requirements
Students are required to write a paper with recommendations on asset planning and restructuring for a client. The instructor will provide the current financial detail for the client. The paper should be 3-4 pages, excluding the title page. The format is Purdue OWL, MLA with Times New Roman font, 12 type size. Your last page will be the references.
You may use the text as one reference; you will also need another reference. If the reference is an individual, the individual's professional title is required, (i.e. financial planner, broker, insurance agent, attorney, accountant, etc.). I will subtract two points if the report does not have a separate title page and two points if the report does not have a separate reference page.
Students are required to have a financial calculator for this course. If a student does not have a financial calculator, I recommend the Texas Instruments BA II Plus. The calculators are required by the second class period.
Students should bring in articles relevant to personal financial planning and share this information with the class.
I will lecture, use PowerPoint and class discussion on material in the text; I will also use and discuss relevant current media information to supplement the text material.
I will hand out problems to be worked in class. These will not be graded; the problems will support and enhance the course materials.
Out of Class Activities
I will ask each student to review his or her insurance policies for amount and type of coverage, and the annual premium and recommend they discuss this information with their agent. I will also ask them to prepare a personal balance sheet and income statement in the format shown in the text. This information is for their purposes only and will not be shared with the class. These worksheets can be used as an aide in structuring and detailing one's financial plan. We will review the information to be included in the financial statements and why this information is critical for sound financial planning.
I will also recommend to those students who have retirement plans to discuss the asset allocation and performance with their agents or advisers.
|Assigned Homework||100 Points||50% of grade|
|Description - |
There are five homework assignments from the chapters in the text.
|Method of Evaluation - |
Students' answers and supporting material for their answers. Students are required to show all their work for each problem to get credit.
|Midterm exam||25 Points||12.5% of grade|
|Description - |
The midterm will be multiple choice questions.
|Final Exam||25 Points||12.5% of grade|
|Description - |
Multiple choice questions
|Developing a 5-year financial plan for a client||50 Points||25% of grade|
|Description - |
Students will prepare a five year financial plan for a fictitious client. The plan will include needs regarding asset allocation and management, to include insurance, education needs, retirement and estate planning, and funds for emergency needs. I will provide the relevant client information. The students must review the client's current asset structure for diversity, risk and quality and make recommendations on changes, if any, and why.
Since there is no financial data included in this study, students are not required to submit forecasted dollars in this study. I will look for recommendations on types of accounts and assets the family should have based upon the information provided in the case study. What should the client do for the next five years, and why?
|Method of Evaluation - |
The plan must be attainable. The student must be explicit in his/her reasoning for developing the requirements for the 5 year plan. He/she needs to answer in the recommendations why he/she recommended this plan and how this plan better positions his/her client in risk reduction, asset protection and allocation and flexibility.
You will develop the plan knowing the male is 40 years old. While I am asking you for only a five-year plan, you should determine if he needs a retirement plan, and/or an estate plan and why or why not.
Additional Information / Instructions
The homework assignments are in the syllabus and in the content section of the D2L, week 1. I will review these assignments during the first class. The assigned problems are in the text at the end of the chapters. There is a midterm and final exam. There will not be any makeup tests unless illness or an unexpected event occurs. If this happens, the student is expected to contact the instructor as soon as possible with the reason(s) for his/her absence. If a student knows s/he will be absent for a test, s/he can take the test early with the approval of the instructor. If a student will miss a class, he/she must notify the instructor as soon as possible.
Late papers and homework will not be accepted. If a student does not submit all homework assignments or misses one or both tests, the student will not receive any credit for the assignments not completed and/or tests not taken.
I expect the students to have their textbooks and syllabus by the start of the first class period.
I do not accept e-mailed assignments or papers. All assignments and papers are to be entered in the dropbox.
Schedule of Activities and Assignments
We will review the worksheet on personal financial goals in Chapter 1 and the personal balance sheet and a simplified income worksheet in Chapter 2. I will also distribute blank sheets to the students to complete for their personal use. These are not to be returned to the instructor. I will discuss the risk and return impact on financial planning. This includes protecting assets, learning the use and application of ratio analyses, and setting financial goals.
Read chapters 1 and 2 before class.
We will do a work sheet in class.
I will lecture and provide examples of the need for financial plans and asset protection.
|Time Value of Money, tax planning and liquidity|
We will complete an in-class assignment, look at different planning worksheets and complete time value of money problems in class. I will discuss tax planning, and how to account for any business profit or loss on your return. I will also discuss the importance to the students who use outside assistance in preparing tax returns, that the tax preparer, if other than the tax payer, must be licensed to prepare returns.
Read chapters 3, 4 and 5 before class.
Assignment number one is due by midnight of the day of class. Homework assignment one includes the following problems: problem 1 on page 25; problem 4 on page 55; problem 8 on page 56; problem 21 on page 87 and problem 5 on page 125.
We will do an inclass assignment and work some Time Value of Money assignments in class as well. This is in addition to your homework assignment.
I will use PowerPoint and class lecture to discuss the time value of money, how it works, the features of tax planning and the meaning of and need for liquidity. I will also use the white board for the class session.
Paper is assigned this week. I will discuss the requirements at this time.
|Using credit cards and consumer loans|
We will complete an in-class assignment, discuss payday loan laws in Missouri and other current topics relating to financial planning.
Read chapters 6 and 7 before class.
The second homework assignment is due by midnight of the day of class. This assignment includes the following problems: problem 3 on page 160; problem 1 on page 192; problem 6 on page 193; problem 4 on page page 232 and problem 6 on page 232.
We will do an in class assignment. This is in addition to your homework assignment.
I will have a class discussion on the cost of payday loans, the advantages and disadvantages of credit cards. We will also discuss the various types of consumer loans, the difference between the nominal rate and APR and how the APR is calculated. We will discuss the steps to take if one's credit cards are stolen, to report an error on a credit card statement, and the terms of a loan. I will also do loan problems on the board and show how the APR is calculated. We will also discuss the cost of using credit cards, and how one's credit report determines the ability to obtain loans, the interest rates, the premiums on insurance policies and the ability to get credit.
|Home, Auto, Life and Health Insurance|
We will complete an in-class assignment and discuss the features and costs of health insurance and their impact on consumers.
Read chapters 8 and 9 before class.
The third homework assignment is due by midnight of the day of class. This assignment includes the following problems: problem 2 on page 277; problem 7 on page 277; problem 3 on page 328; problem 3 on page 357 and problem 7 on page 357.
The midterm will be this week and will cover the materials in chapters 1-9.
I will finish the material in chapters 8 and 9 that we did not cover the previous meeting.
The students will have two hours for the exam.
I will lecture and use PowerPoint.
|Health, Property and Liability Insurance|
We will complete an in-class assignment, look at strange but actual issues regarding drivers and reasons for accidents. We will also look at the impact of a margin call on investors funds.
Read chapter 10 before class.
The fourth homework assignment is due by midnight the day of class. This assignment includes the following problems; problem 1 on page 399; problem 8 page 400; problem 1 on page 427; problem 2 on page 427 and problem 4 on page 460.
I will distribute a handout that has the math workup of a margin call. We will discuss how a margin call impacts an investor.
I will lecture and use PowerPoint this week.
|Investment Basics, The Securities Market, Stocks|
We will complete an in-class problem, look at historical returns on various classes of mutual funds. I will discuss past returns on investments, their importance, and how one can understand but not necessarily use these as projections for future returns. We will also discuss how to evaluate our investments.
Read chapters 11, 12 and 13 before class
The fifth homework assignment and papers are due by midnight of this class. This assignment includes the following problems: problem 5 on page 493; problem 5 on page 531; problem 1 on page 556; problem 2 on page 594 and problem 7 on page 595.
We will do an in class assignment.
I will lecture and use PowerPoint.
|Investing in stocks, bonds and mutual funds|
We will work on an excel spreadsheet to plan our financial needs at retirement.
Read chapters 14,15 and 16 before class
We will do an in class assignment. I will also show how to complete the retirement planning worksheet.
None this week.
I will return papers this week. I will lecture and use PowerPoint. I will discuss the reasons why many companies stopped employee benefit plans and went to either no plans or an employee contribution plan. I will also discuss why social security benefits will NOT replace pre-retirement salaries and why other income sources are necessary to provide retirees with a similar life style to which they have become accustomed.
Its all about time value of money!
|Retirement and Estate Planning|
Read chapter 17 before class
The final exam will be this week and cover the material in chapters 10-17.
I will discuss the material not yet covered from the previous meeting and the material in Chapter 17. I will discuss the need for annual review of retirement accounts portfolios the portfolio's performance. I will also discuss the importance of regular wills, living wills (health care directives) and powers of attorney. Why legal documents are necessary to ensure the people you want to get your inheritance actually receive it rather than have the court decide who gets what.
The students will have two hours for the final exam.
Columbia College Resources - Online databases are available at http://www.ccis.edu/offices/library/index.asp. You may access them using your CougarTrack login and password when prompted.
Course Policies and Procedures
Columbia College Policy - Columbia College students are expected to attend all classes and laboratory periods for which they are enrolled. Students are directly responsible to instructors for class attendance and work missed during an absence for any cause. If absences jeopardize progress in a course, an instructor may withdraw a student from the course with a grade of "F" or "W" at the discretion of the instructor.
Campus Policy - Regular attendance is expected of all students. Attendance is one of the most important measures of your interest and desire to do well academically. Your attendance helps your instructor facilitate better discussions and your fellow students benefit from your ideas and experiences.
Unforeseen circumstances occasionally dictate that you must miss class; please make every effort to discuss such circumstances with your instructor before the absence. Remember that if you are not in class, you are absent - regardless of the reasons - and that you are still responsible for all in-class assignments made. Your instructor is not responsible for providing this information to you - you must plan ahead with another student who would agree to share notes, etc., with you and vice versa.
Columbia College Policy - Columbia College students must fulfill their academic obligations through honest, independent effort. Dishonesty is considered a serious offense subject to strong disciplinary actions. Activities which constitute academic dishonesty include plagiarism, unauthorized joint effort on exams or assignments, falsification of forms or records, providing false or misleading information, or aiding another in an act of academic dishonesty. Possible penalties for these activities are discussed in detail in the AHE Degree Completion Catalog.
Class Conduct and Personal Conduct
Columbia College Policy - Students must conduct themselves so others will not be distracted from the pursuit of learning. Students may be disciplined for any conduct which constitutes a hazard to the health, safety, or well-being of members of the college community or which is deemed detrimental to the college's interests. Discourteous or unseemly conduct may result in a student being asked to leave the classroom. Examples of misconduct and possible disciplinary actions are described in the AHE Degree Completion Catalog.
Cancelled Class Make-Up
Columbia College Policy - Classes cancelled because of inclement weather or other reasons must be rescheduled.
Campus Policy - Information about class cancellations due to inclement weather will be available at 875-SHUT (875-7488). Class cancellation information will also be broadcast over local radio and television stations. Students may also check the college website, www.ccis.edu.
If a class is cancelled due to weather or any other reason a make up night will be scheduled. The typical make up night will be scheduled for a Friday night. Watch your CougarMail concerning the class make up schedule.
Columbia College Policy - Make-up examinations may be authorized for students who miss regularly scheduled examinations due to circumstances beyond their control. Make-up examinations must be administered as soon as possible after the regularly scheduled examination period and must be administered in a controlled environment.
Campus Policy - Make up examinations are scheduled on designated Saturday mornings 9am in 102 Buchanan. Students must present a picture I.D. in order to be admitted to the testing session. Students must arrange with the instructor to take the exam before or after it is given in class and permission to take a makeup examination (or any graded activity) is granted at the discretion of the instructor.
Adding, Dropping or Withdrawing from a Course
Columbia College Policy - Students may add a course through Wednesday of the first week of the session and drop a course without academic or financial liability through close of business on Monday of the second week of the session. Once enrolled, a student is considered a member of that class until he or she officially drops or withdraws in accordance with College policy. An official drop/withdrawal takes place only when a student has submitted a Drop/Add/Withdrawal form. A failure to attend class, or advising a fellow student, staff or adjunct faculty member of an intent to withdraw from a class does not constitute official drop/withdrawal. The drop/add/withdrawal periods begin the same day/date the session starts, not the first day a particular class begins. If a student stops attending a class but does not submit the required Drop/Withdrawal form a grade of "F" will be awarded. The AHE Degree Completion Catalog contains details concerning drop/withdrawal and financial liability.
Columbia College Policy - A student may request an excused withdrawal (WE) under extraordinary circumstances by submitting a Drop/Withdrawal form accompanied by a complete explanation of the circumstances and supporting documentation to the location director. The WE request must include all classes in which the student is currently enrolled. The Vice President for Adult Higher Education is the approving authority for all WE requests. A student who receives approval of their WE request may still be required to return some or all of the federal financial assistance received for the session. See the AHE Degree Completion Catalog for details.
Columbia College Policy - A student may request that the instructor award a grade of "I" due to extraordinary circumstances (unforeseen or unexpected circumstances beyond the student's control) that prevent a student from completing the requirements of a course by the end of a session. An "I" will not be given because a student is failing, negligent or not meeting requirements. If the instructor believes an "I" is appropriate, the instructor will specify the work needed to complete the course and the time allowed to complete the work. Work missed must be made up within two subsequent sessions unless the instructor specifies an earlier date. Extensions beyond two sessions must be approved by the Vice President for Adult Higher Education. If the work is completed during the specified time period, the instructor will change the "I" to the grade earned. If the work is not completed during the specified time, the instructor may allow the incomplete to remain on the student's permanent record or change it to any other letter grade.
Columbia College Policy - A student may appeal any grade given if it is believed to be in error or in conflict with Columbia College policy and procedures. The student must state in writing to the location director why the grade awarded is believed to be in error and request a desired remedy. The faculty member who awarded the grade will be given the opportunity to comment on all student allegations. If the issue cannot be resolved at the location the appeal will be transmitted through the Director to the Vice President for Adult Higher Education. A grade appeal must be received for review by the Vice President for Adult Higher Education prior to the end of 60 days from the date the grade was awarded.
Columbia College Policy - Course prerequisites are established to ensure that a student has adequate academic preparation to succeed in a particular course. Staff members will attempt to ensure that students meet prerequisite requirements. However, it is the student's responsibility to closely examine the AHE Degree Completion Catalog course descriptions to determine if prerequisites exist and to enroll in courses in the proper sequence. In some exceptional cases it may be apparent that the student possesses the required skills and knowledge to succeed in a particular course, even though they have not taken the prerequisite course. In this case the prerequisite course may be waived by the location director. Waiver of a course as a prerequisite does not remove the requirement to complete the course if it is a requirement for the student's degree program.
Columbia College Policy - The college provides all students access to CougarMail (the official means of e-mail communication for the College), online resources from the Stafford Library, and their Columbia College records (transcripts, grades, student schedules, etc.) through CougarTrack.
Use of Cougarmail
Columbia College Policy - The official student email address (also known as CougarMail) will be used for all official correspondence from faculty and staff. Students are responsible for the information received and are required to monitor their email account on a regular basis. Students may forward their CougarMail to another email account but will be held responsible for the information sent over CougarMail, even if there is a problem with the alternate mail service.
Columbia College Policy - Cell phones can be a distraction to the learning process. Location directors or course instructors may require that cell phones be turned off or set to vibrate during class periods. Students requiring special arrangements to receive a cell phone call during class should make prior arrangements with their location director or course instructor.
Columbia College Policy - The textbooks listed on this syllabus are required for this course. They are guaranteed to be available through the authorized textbook suppliers designated by Columbia College. The college is not responsible for the academic or financial consequences of late textbook orders or incorrect editions not purchased from a college-authorized vendor.
Columbia College Policy - The Family Educational Rights and Privacy Act (FERPA) affords students certain rights with respect to their education records. These rights are described in detail in the AHE Degree Completion Catalog.
Student Accessibility Resources
Columbia College Policy - Students with documented disabilities who may need academic services for this course are required to register with the office of Student Accessibility Resources. Until the student has been cleared through this office, accommodations do not have to be granted. If you are a student who has a documented disability, it is important for you to read the entire syllabus as soon as possible. The structure or the content of the course may make an accommodation not feasible. Student Accessibility Resources is located in Student Affairs in AHSC 215 and can be reached by phone at (573) 875-7626.
Alcohol and Other Drugs: Columbia College Policies & Resources
Columbia College Policy - The Drug-Free Schools and Communities Act of 1989 Amendments requires that Columbia College provide a copy of its Alcohol and Other Drugs Policy to each student, faculty and staff member on an annual basis. Please read the copy of our policy below. You may also find a copy of the policy on the Columbia College website at http://www.ccis.edu/policies/alcohol-and-other-drugs-policy.aspx.
Alcohol and Other Drugs Policy
Purpose: Columbia College recognizes the negative health effects associated with the use, possession and distribution of controlled and/or illicit substances and their detrimental impact on the quality of the educational environment. Therefore, all members of the college community share in the responsibility of protecting the campus environment by exemplifying high standards of professional and personal conduct.
Scope: This policy applies to all members of the college community.
Policy on Alcohol and Controlled and/or Illicit Substances
- Columbia College prohibits the manufacture, possession, use, distribution and sale of alcohol and controlled and/or illicit substances by Columbia College students and employees, regardless of age, on college-owned property and at college-sponsored or supervised events or activities.
- Public intoxication on campus property is expressly prohibited. Those conditions considered to indicate intoxication include but are not limited to affected manner or disposition, speech, muscular movements, general appearance or behavior as apparent to the observer.
- Containers that contain alcohol as well as empty alcohol containers are prohibited on campus and in the residence halls. Possession of empty alcohol containers will be regarded as a violation of this policy.
- Campus displays or advertisements that support or promote alcohol or drug use, possession, manufacture or distribution are prohibited.
- Behavior resulting from intoxication or the illegal use of controlled or illicit drugs will incur disciplinary action.
- Possession of drug paraphernalia and misuse of prescription drugs will be regarded as violations of this policy.
- Alcohol and other controlled and/or illicit substances possessed or consumed in violation of this policy are subject to confiscation. The president retains the authority to make exceptions to this policy with regard to alcohol, including granting permission to serve alcoholic beverages at college functions where meals are served. Requests for exceptions to the policy must be submitted to the president in writing prior to the event and will be considered on an individual basis. Notification of the president's decision will be made in writing to the person(s) making the request.
It is the responsibility of students, faculty and staff to know and uphold the Columbia College Alcohol and Other Drugs Policy. In accordance, students and employees must be held accountable for their personal behavior. Excessive use, manufacture, possession or distribution of alcohol and/or controlled or illicit substances and the associated behavioral problems will be the basis for disciplinary action. Columbia College has made the decision to notify parents/guardians of students under the age of twenty-one (21) who have been found responsible for violating the Alcohol and Other Drugs Policy by the campus judicial system following a final determination.
Representatives of the college will cooperate with outside authorities in their efforts to enforce existing laws regarding alcohol and/or controlled or illicit substances.
Standards of Conduct: Violations of Columbia College rules and regulations pertaining to alcohol and/or controlled or illicit substances can result in disciplinary a tion up to and including dismissal for students and termination for employees. Additionally, in conjunction with or in lieu of the imposition of any disciplinary sanctions, students and employees may also be referred to appropriate local, state or federal law enforcement agencies for arrest and prosecution and/or be required to complete an appropriate treatment or rehabilitation program. In accordance with the mandates of the Drug Free Workplace Act of 1988, and as a condition of employment at Columbia College, all employees (including student employees) must notify their supervisor of any criminal drug statute condition for a violation occurring in the workplace no later than five (5) days after such a conviction. Employees undergoing treatment for alcohol or drug abuse must meet all standards of conduct and job performance.
Legal Sanctions: Any Columbia College student or employee found possessing, manufacturing or distributing controlled and/or illicit substances or unlawfully possessing or attempting to possess alcohol or driving a motor vehicle while under the influence is violating local, state and federal laws. It is unlawful under state law to purchase or otherwise provide alcohol to a minor. Federal law prohibits, among other things, the manufacturing, distributing, selling and possession of controlled substances as outlined in 21 United States Code, Sections 801 through 971. Depending on the amount, first offense maximum penalties for trafficking marijuana ranged from up to five (5) years' imprisonment and a fine of up to $250,000 to imprisonment for life and a fine of $4 million. Depending on the amount, first offense maximum penalties for trafficking other controlled substances (e.g., methamphetamine, heroin, cocaine, cocaine base, PCP, LSD, fentanyl and fentanyl analogue) range from five (5) years to life imprisonment and fines range from $2 million to $4 million. First offense penalties and sanctions for the illegal possession of small amounts of controlled substances, ncluding marijuana, ranged from up to one (1) year in prison or a fine of at least $1,000. Penalties are more severe for subsequent offenses. In addition to these provisions, a student is ineligible for federal student aid if convicted, under federal or state law, of any offense involving the possession or sale of a controlled substance (generally meaning illegal drugs, not to include alcohol or tobacco).
Medical Amnesty: Medical amnesty encourages students to seek medical attention for themselves or a fellow student suffering from an alcohol or other drug overdose or medical emergency. This policy encourages students to call for medical assistance by removing the threat of campus judicial repercussions. However, the student in need will still participate in mandated substance abuse education and treatment services. These health protection strategies will not shield students from disciplinary action when other rules or codes of conduct have been violated. Students will still be subject to legal consequences for violating other codes of conduct and state or federal laws.
Health Risks: Alcohol and other drugs are associated with many health risks. The use and abuse of alcohol and other drugs may have negative effects on one's school or work performance and personal relationships. Some common health risks are addiction; damage to liver, heart and to a developing fetus; accidents as a result of impaired judgment; and unwanted sexual activity that could result in sexual assault or sexually transmitted infections.
For more information about the health risks associated with particular types of drugs and alcohol, please visit https://www.drugabuse.gov/drugs-abuse/commonly-abused-drugs-charts.
Division of Student Affairs - (573) 875-7400
Human Resources (for Employee Assistance Program information) - (573) 875-7495
Alcohol and Drug Abuse Referral Hotline - (800) 454-8966
Narcotics Anonymous - (800) 945-4673, www.na.org
Alcoholics Anonymous - www.alcoholics-anonymous.org
Phoenix Programs - www.phoenixprogramsinc.org
Columbia College Policy - The following policy goes into effect on August 21, 2017. Additional information may be found at http://www.ccis.edu/policies/tobacco-free.aspx.
Columbia College values and is concerned for the health and well-being of its students, employees and visitors. The College is committed to providing a healthful and productive educational and employment environment for members of the College community. Consistent with this commitment and in the interest of the general health and welfare of the College community, the College prohibits the use of all tobacco products and related devices on all College property and premises.
This policy applies to all members of the College community on College premises, including, but not limited to, students, employees, third parties and visitors.
The use and/or consumption of all tobacco products is prohibited on all College properties, premises, facilities, in College vehicles, and in personal vehicles while on College property. For purposes of this policy, this prohibition includes, but is not limited to:
- Traditional tobacco products, such as cigarettes, cigars, pipes, and smokeless tobacco; and
- Electronic smoking devices, which includes any product containing or delivering tobacco and/or nicotine or any other substance intended for consumption that can be used by a person in any manner for the purpose of inhaling vapor or aerosol. This includes any such device, whether manufactured, distributed, marketed, or sold as an e-cigarette, e-cigar, e-pip, e-hookah or vape pen, or under any other product name.
Additionally, no tobacco-related advertising or sponsorship shall be permitted on College property or premises, at College-sponsored events, or in publications produced by the College, with the exception of advertising in a newspaper or magazine that is not produced by the College and that is lawfully sold, bought or distributed on College property. For the purposes of this policy, "tobacco-related" applies to the use of a tobacco brand or corporate name, trademark, logo, symbol, motto or selling message.
No tobacco products, tobacco-related products or tobacco paraphernalia shall be sold or distributed on College property or premises.
Because the College is tobacco free, signs prohibiting smoking and the use of tobacco products are posted at many points of entry to the College and at building entrances as reminders to members of the College community. No ashtrays shall be provided at any College location.
Smoking cessation assistance and resources will be made available to assist and encourage individuals who wish to quit smoking and/or using tobacco.
Questions or inquiries regarding this policy should be directed to the College's Human Resources Office via phone at 573-875-7495 or via email at firstname.lastname@example.org.
This policy is a community health initiative and therefore, the entire College community bears responsibility for implementing and enforcing this policy. There may be instances when outside third parties, contractors, vendors, guests, visitors, etc. on College premises subject to this policy may be unaware of this policy. In these situations, a violation of this policy should be reported as soon as possible to the Campus Safety Department or the College department responsible for the outside third party, contractor, vendor, guest, visitor, etc. being present on College premises.
College students and employees are responsible for compliance with this policy.
In the event a student violates this policy, a report should made as soon as possible to the Office for Student Conduct in the Office of Student Affairs or the Campus Safety Department.
In the event a College employee violates this policy, a report should be made as soon as possible to the Human Resources Department or the Campus Safety Department.
Consequences for violating this policy include, but are not limited to, removal from campus, and student and employee discipline, up to and including dismissal or termination.
ADDITIONAL CAMPUS POLICIES
Course Evaluations - All students are encouraged to complete the online course evaluations. Students are notified by way of CougarMail when the evaluations are available. The evaluations are used to help instructors improve their teaching techniques. They are reviewed carefully by the Evening Campus Director, Assistant Director, and several AHE Administrators. Student should know that all responses are completely confidential, instructors only view results after grades are posted. Your input is valued and appreciated.
Late graded assignment/activity policy - All graded assignments or activities are due when stated in the syllabus or by the instructor. Graded assignments or activities submitted after the stated due date/time will not receive any credit unless the instructor has specifically stated that full or partial credit may be awarded to late submissions.
Additional Instructor Policies
Children are not allowed in the classroom before or during class. The class time is for the students, outside speakers, invited guests and employees of Columbia College.
Dress code -
Students are to expected to wear appropriate clothing to class. As students of Columbia College, you represent the college, especially during class times. We will occasionally have invited speakers, possibly visitors and invited guests in the classroom so the impression we make is very important. .