Personal Finance

Mr. Howard - Room 707

Welcome to Personal Finance. This course will be offered as a blended setting, and I am very excited to take this journey with you! As you explore this page, you will find information about the course, about Mr. Howard, and about staying in contact and accessing all the information you should need.

Course Description

Understanding and managing personal finances is the key to one’s future financial success. This one-semester course is based on the Missouri Personal Finance Competencies and presents essential knowledge and skills to make informed decisions about real world financial issues. Students will learn how choices influence occupational options and future earning potential. Students will also learn to apply decision-making skills to evaluate career choices and set personal goals. The course content is designed to help the learner make wise spending, saving, and credit decisions and to make effective use of income to achieve personal financial success.

Units of Study

Unit 1 - Goals, Careers, and Decision Making

Unit 2 - Budgeting, Paychecks, and Taxes

Unit 3 - Saving and Banking

Unit 4 - Investing

Unit 5 - Credit

Unit 6 - Consumer Skills

Blendend Learning

Blended Learning is an instructional practice where the learning in a course is delivered face-to-face (F2F) as well as online. The goal for content delivery in a qualified Blended learning course is where at least half of the course content is delivered to students in a digital fashion in a synchronous and asynchronous, whether through research, webinars, podcasts or other online activities. Liberty Public Schools will offer this model:

FLEX/RELEASE: teachers will meet with students in a traditional setting as well as release the students to work in areas within the school building to learn content from an online source, meet in small groups with the instructor, and/or collaborate with classmates in their learning.

Course Websites


We will be using Blackboard daily this semester. Please make sure you are logging in and reading my daily announcements to find out the day's agenda, get notes & assignments, and find out about upcoming projects and tests.

Parents can access Blackboard either from the school website or by going to: Name: lps Password: guest

Google Docs

Some of your assignments will be done using Google docs. I will be showing you how to make your own copies of the assignments and share them with me during orientation.

Everfi is a program that Platte Valley Bank provides for our school. It is a very interactive and informative site. There are 9 modules that you may complete during this course. Plan on each module taking anywhere from 45-60 minutes. There are quizzes at the end of each module. The score that you get on the quiz will be the grade you get in PowerSchool. I will provide a link and log-in access when we start using Everfi.

Grades and Make-Up Work

Students are expected to assume responsibility for completing assignments in a timely manner. Per building policy, late work for daily assignments will be accepted at 60% of the possible score and must be completed by the Unit Test.

Grades will be figured based on total points. Points will be totaled and converted to a letter grade using the following scale:

A= 100% - 90% B= 89% - 80% C= 79% - 70% D= 69% - 60% F= 50% - 0%.

If you are absent, be proactive in finding out what you missed. Check the announcements on Blackboard to see what we will be covering that day. If a planned absence is known, talk to me ahead of time.

Academic dishonesty of any kind is unacceptable and will result in a grade of zero for all involved. Unless you are specifically directed otherwise, all written work should be in final draft form (this means neat, legible, proofread, and in complete sentences) and ready to hand in when you enter the room at the beginning of your class period.

Other Policies

Students will:

  • Check classroom Blackboard site daily for course information, assignment postings, weekly schedules, and/or handouts and materials
  • Respect a teacher’s direction when to or when not to use technology
  • Use proper grammar and punctuation in all email communications, while being professional and respectful
  • Only use laptops/cell phones/earbuds/headphones during class if directed by teacher
  • Have earbuds/headphones available for use daily
  • Check student school email daily

Food & drink are permissible as long as they are not a disruption or a major meal and the room is kept clean.


I am available during Liberty Hour to help you with class. I will make you aware of what days/lunch shifts I am available for tutoring.  Please schedule an appointment so I know to be available in the classroom.

  • Have a plan upon arriving at LH (what are you there to work on?)
  • Use tutoring time for productive activities (games, social media, videos, etc. are not good uses of time)
  • Check LH assignments regularly and attend assigned tutoring sessions

About Mr. Howard

I began teaching at Liberty High School in the 1997/98 school year. I grew up not far from Liberty in Olathe, KS. I graduated from Olathe South High School and Emporia State University. I obtained my Master's degree from Emporia State and my Education Specialist degree from Northwest Missouri State University.

I coach 2 sports at LHS. I am the head softball coach in the fall and an assistant women's soccer coach in the spring. Some of the most exciting moments for me were the 3 state championships we have won between the programs. In addition to coaching, I am the DECA sponsor, Business Department Chairperson, and work with The Bird House school store.

My wife Kam and I were married in 1999. She is a Kansas State graduate and a huge Wildcats fan. We have 3 children, Abby, Ava, and Blake. Abby loves golf, basketball, and is working on her brown belt in karate. Ava is a soccer and basketball player. Blake loves baseball and soccer, but says he wants to be a bull rider and race car driver when he grows up - so we'll see how all that works out :)

If you need to reach me, my school phone is 736-5340, extension 2069. Email is a great way to reach me for a quick response - If you would like, you can follow our softball team on Facebook at Blue Jay Softball and our twitter feed @JaysSoftball.

I'm looking forward to a great year!

A trip to mini golf while at the Lake of the Ozarks!
My 3 kids with my nephew!
2014 Varsity and JV softball team photo

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