NCVPS Financial Management Syllabus

Financial Management Syllabus

Teacher Information

NCVPS Teacher Name: Kyra Bernat

Classroom Teacher Name:  April Osborne

NCVPS Teacher and Student Expectations

A Note from Your NCVPS Teacher

Welcome to class!  I am looking forward to working with you!  As your biggest fan and supporter in learning, I will …

  • grade assignments with meaningful feedback that is very specific and directive  within 24 hours of submission.  Assignments, such as essays, discussion forums, honors assignments, and research papers, will require longer than 24 hours for grading.
  • respond to all Canvas messages within 24 hours. Responses are typically sent in less than 24 hours unless it’s late at night or on a weekend.  I want to work to get to know you better.  
  • post announcements to introduce and/or review the learning for the day and celebrate you and your classmates!  I will do this daily, so it is very important that you review the announcements.
  • provide individualized learning resources to help you learn the course material.

To learn more about what you can expect from me as your teacher, please read the NCVPS Accommodations and Accessibility Statements below. 

NCVPS Accommodations Statement

Our goal at NCVPS is to make sure that we work with students in the ways that they learn best! For students with an IEP or 504, we have developed a process for ensuring that all learning needs are met. I will work with the student’s school to devise a plan that provides all modifications and meets the IEP/504 goals as detailed in each student’s IEP/504 document. To review our process for supporting students with an IEP, read our IEP/504 Guidelines

NCVPS Accessibility Statement

The North Carolina Virtual Public School is continually striving to improve our courses for all students, ensuring the courses are accessible to everyone. If you have any questions, suggestions, or concerns regarding the accessibility of the course, please contact your teacher and we will work to resolve the issue.

If you have any questions about accommodations or accessibility, please contact me, your online teacher, first. We will work together, with your school, to best meet your learning path.

The Role and Responsibilities of an Online Student

Online learning is engaging, fun, and provides opportunities for creativity and collaboration.  Just like students taking a class face to face, online learners must take responsibility of their learning.  As an online student, you will …

  • actively participate in the online course every day, Monday - Friday.  Daily participation in the online course will ensure that you stay on pace.  Students are welcome to work on the weekends, but it is not required.
  • check course announcements daily.
  • check messages in Canvas daily.
  • complete assignments as directed by your classroom teacher.
  • seek help from your online teacher when needed.  Your teacher is here to help!  Do not hesitate to reach out with questions.  Communication is key to your success.

NCVPS Academic Integrity

The North Carolina Virtual Public School has an expectation that all work submitted by a NCVPS student is his/her own. Academic integrity of all students must be maintained, and NCVPS considers it to have a high degree of importance.

Academic Integrity determines that all assignments and exams submitted by a NCVPS student is his/her own and the student:

  • Will not plagiarize* any material in written or verbal forms
  • Will not share work with others, unless directed by your instructor, or copy the work of others and represent it as their own
  • Will apply appropriate use of information literacy


* To plagiarize is to copy or use the ideas and/or words of another and represent them as your own.

The accuracy in which student work is submitted to NCVPS is of great importance and NCVPS reserves the right to use technology, such as SafeAssign to investigate plagiarism.  The academic integrity for all students must be maintained.  To learn more about our student conduct and academic integrity policies, read the Academic Integrity portion of the NCVPS Student Code of Conduct document. 

NOTE: Any student, who has plagiarized a work in any manner, will receive disciplinary action up to and including removal from the NCVPS course with a failing grade.

Acceptable Communication (Netiquette)

The term netiquette is used to describe and define a set of guidelines for acceptable online interaction and communication. To learn more about our netiquette guidelines, read the Acceptable Communication (Netiquette) portion of the NCVPS Student Code of Conduct document. 

NCVPS Privacy Policy

The North Carolina Virtual Public School will abide by the student privacy guidelines set forth by the Family Educational Rights and Privacy Act (FERPA). The following persons have access to student records:

  • NC State Board of Education (SBE) members
  • NCVPS Executive Director, administrative team, and professional staff of NCVPS (teachers, guidance counselor, and student support services staff)
  • Appropriate administrative support staff members and other professionals who have a legitimate educational or legal interest in student records as designated by the NCVPS Executive Director.
  • Lab facilitators assigned by LEA who use school labs to access NCVPS courses

North Carolina Virtual Public School provides an academic transcript to the student's primary school of record upon completion of the online course(s), or upon any request of the primary school and/or student's legal guardian.

In accordance with state and federal privacy laws, students who attain the age of 18 may transfer certain rights related to their academic records. Some LEA schools may assign a lab facilitator to help students who use school labs to access NCVPS courses. Facilitators will have access to students’ online work from their school.

No member of the NCVPS staff is authorized to release student information without the written permission of the student’s legal guardian or without approval of the NCVPS Executive Director. Names, images, and/or course work of NCVPS students will not be published in print, video/film, or via the Web without written student and guardian consent. The privacy of all NCVPS students is protected through a unique password to access online courses. It is the student's responsibility to keep his/her password in confidence.

All the data provided to us is protected to ensure both the privacy and security of the data. We use state-of-the art technology to keep personal information as secure as possible to ensure that no one will be able to tamper with, intercept or access data. Remember to keep account information and password private and secure.

NCVPS Content Rights

NCVPS policy it that all courses are compliant with applicable NCVPS policies and/or guidelines, including, ADA/Section 504/IEP Compliance, intellectual property, and provisions of US Copyright Law and the Technology, Education, and Copyright Harmonization Act (TEACH Act.)

Acceptable Use Policy

An Acceptable Use Policy (AUP) is an agreement between students and their schools that outlines the rules governing the use of technology and Internet resources. To learn more about our acceptable use policy, read the Acceptable Use Policy portion of the NCVPS Student Code of Conduct document.


Course Standards and Overview

Course Standards

NCVPS courses follow the standards set by the state of North Carolina.  To view the standards for Financial Management read North Carolina Essential Standards – Occupational Course of Study: Financial Management.  These standards were created by the North Carolina Department of Instruction.

Course Overview

This course is intended for Occupational Course of Study (OCS) students who will be working with both their face-to-face classroom teacher and an NCVPS online teacher.  This course fulfills the Applications Based mathematics requirement for graduation.

This course blends the best of online and classroom activities.  Six engaging units cover topics such as personal financial planning, wages and compensation, state and federal taxes, consumer spending, credit and insurance.  

Technology skills will be honed throughout the course by working with a graphing calculator and using the computer in a variety of ways.  Pre-Assessments and Check Your Knowledge quizzes will be used as diagnostic tools, lessons present the content, Completion Activities allow the students to practice a skill set, Mastery Assignments measure student understanding, and Remediation Assignments allow students to review.  This course is designed to be implemented in a blended learning environment with collaborative instruction delivered by an online highly-qualified high school math teacher as well as a face-to-face OCS teacher.  Ideally, the delivery of instruction includes regular computer use as well as time to work on “hands-on” activities.

Final Exam

There is no state EOC for this course. There is a final exam available in the course, and the online teacher and EC teacher have the flexibility to decide whether this exam or another version is used for the final. 

Course Prerequisite

Students typically complete OCS Introduction to Mathematics, and the OCS Locally Developed Math Elective/Math 1 sequence prior to being enrolled in this course.  


Course Outline

Module 1: Personal Financial Planning

  • Lesson 1: Financial Planning Goals
  • Lesson 2: Budgeting
  • Lesson 3: Financial Institutions                                               

Module 2: Wages and Compensation

  • Lesson 1: Gross Pay and Production Rates
  • Lesson 2: Net Pay and Paychecks

Module 3: State and Federal Taxes

  • Lesson 1: State and Federal Taxes
  • Lesson 2: Filing Your Taxes

Module 4: Consumer Spending

  • Lesson 1: Counting Money
  • Lesson 2: Making Purchases
  • Lesson 3: Ways to Shop and Save

Module 5: Credit

  • Lesson 1: Understanding Bill Payments
  • Lesson 2: Cash vs Credit
  • Lesson 3: Credit Score

Module 6: Insurance

  • Lesson 1: Types of Insurance
  • Lesson 2: Financial Planning with Insurance

Grading Information

Students will complete activities online and in the classroom.  Grades will be based on the face-to-face school’s grading scale and the classroom teacher’s gradebook.

Communication Policy

All communication should occur in the Messages system in Canvas.  This function works just like e-mail.  Messages received from students on Monday through Thursday will be answered within 24 hours. Messages sent on Friday through the weekend will be answered by Monday.

NCVPS and Course Requirements

Technology Requirements and Expectations

To review our technology requirements and expectations, read the NCVPS Technical Requirements