BUS-121 - Financial Planning & Money Management

Spring 2014
Southwestern Community College
Instructor: Frank Paiano

Next Exams
BUS-121-01	Mondays & Wednesdays	10:00 a.m. to 11:15 a.m.	Final Exam: Friday, May 23rd, 10:30 a.m. (Note time!) Chapter 14 (Specific questions) Chapters 1 to 13 (Review questions)
BUS-121-03	Tuesdays & Thursdays	Noon to 1:15 p.m.	Final Exam: Tuesday, May 27th, 10:30 a.m. (Note time!) Chapter 14 (Specific questions) Chapters 1 to 13 (Review questions)
BUS-121-501	Online	Online	Final Exam: Friday, May 23rd to Wednesday, May 28th Chapter 14 (Specific questions) Chapters 1 to 13 (Review questions)

Announcements (Online Students)

Week #18 - Final Exam! - Student Evaluations     Due: Final Exam Week #17 - Estate Planning - Final Exam Next Week - Student Evaluation     Due: Chapter 14 Bonus Assignment, Investments Discussion Board (And Everything Else -- Turn it in!) Week #16 - Retirement Planning     Due: Chapter 13 Bonus Assignment Week #15 - Finish MutualFunds and Real Estate and Other Investment Alternatives - Exam 4     Due: Chapter 12 Assignment, Exam 4, Insurance Discussion Board Week #14 - Continuing Stocks, Starting Mutual Funds, Exam #4 Next Week     Due: Chapter 11 Assignment Week #13 - Starting Stocks and Mutual Funds     Due: Chapter 10 Assignment, Cars Discussion Board Week #12 – Exam #3 on Insurance and Fundamentals of Investing with an Emphasis on Bonds     Due: Chapter 9 Assignment, Exam #3 Week #11 – Introduction to Investing – Exam #3 Next Week     Due: Chapter 8 Assignment, What's-Wrong-With-Using-Credit-Cards? Discussion Board Week #10 – Chapter 10 on Life Insurance – Buy Term and Invest the Difference!     Due: Chapter 7 Assignment Week #9 – Chapter 8 on Home & Auto Insurance - Chapter 9 on Health & Disability Insurance     Due: Chapter 6 Assignment, Banks versus Credit Unions Discussion Board Week #8 – Finishing Chapter 7 on Housing – Exam #2 on Chapters 4, 5, 6, and 7     Due: Chapter 5 Assignment, Exam #2 Week #7 - Chapter 6 - Consumerism & Cars - Exam #2 Next Week     Due: Chapter 4 Assignment, Financial Statements Discussion Board Week #6 – Chapter 5 - Credit!     Due: Chapter 3 Assignment, Marriage and Finance Discussion Board Week #5 – After the First Exam – Chapters 4 (Banking) and 5 (Credit!)     Due: Chapter 2 Assignment, Saving 10% Discussion Board Week #4 - Finish Chapter 3 on Taxes - Exam 1 This Week - Chapter 1 Assignment Due This Week     Due: Chapter 1 Assignment, Exam #1, Goals Discussion Board Week #3 - Chapter 3 on Taxes – Exam 1 Next Week – Chapter 1 Assignments Due Next Week Week #2 - Chapter 2, Money Management and Financial Statements – Discussion Boards Week #1 - Introduction and Welcome to BUS-121, Financial Planning & Money Management, for Spring 2014 Week #0 - Presemester Announcement

Part 1: Planning Your Personal Finances		Syllabi: BUS-121-01 Monday/Wednesday Syllabus BUS-121-03 Tuesday/Thursday Syllabus BUS-121 Online Syllabus - Audio Commentary of Syllabus
Chapter 1	Personal Financial Planning in Action	Presentation Handout/Assignment - Commentary Discussion Boards Assignment (Online students only) - Commentary Bonus Assignment / Extra Credit - Examples: 0 1 2 3 4 5 6 Commentary   Chapter 1 Bonus       Say No To Tobacco    New Hit Song Sweeping The Nation! Rubric for Goals Assignment - Commentary   How to Submit Assignments (Online students only) - Commentary Future Value Handout - Commentary - Answer Key Future Value Tables (Abbreviated) Future Value Tables (Extensive) Future Value Practice - Answer Key Online Audio Lectures Chapter 1 - Lecture 1 - Slides 1 to 18    Introduction: Personal Financial Planning Chapter 1 - Lecture 2 - Slides 19 to 39    Goal Setting & the Time Value of Money Chapter 1 - Lecture 3 - Slides 40 to 48    Financial Aspects of Career Planning Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 1 - Lecture 1 - Slides 1 to 18    Introduction: Personal Financial Planning Chapter 1 - Lecture 2 - Slides 19 to 39    Goal Setting & the Time Value of Money Chapter 1 - Lecture 3 - Slides 40 to 48    Financial Aspects of Career Planning Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 22 Jan    Introduction: Personal Financial Planning MonWed 10am Lecture 2 Audio -- 27 Jan    Goal Setting & the Time Value of Money MonWed 10am Lecture 3 Audio -- 29 Jan    Financial Aspects of Career Planning TueThur Noon Lecture 1 Audio -- 21 Jan    Introduction: Personal Financial Planning TueThur Noon Lecture 2 Audio -- 23 Jan    Goal Setting & the Time Value of Money TueThur Noon Lecture 3 Audio -- 28 Jan    Financial Aspects of Career Planning
Chapter 2	Money Management Strategy: Financial Statements & Budgeting	Presentation Handout/Assignment - Commentary Net Worth Practice - Answer Key Creating a Good Password: Good - Better - Best Creating a Good PIN Computer Laboratory: Financial Statements Spreadsheet - Audio/Visual - Commentary Online Audio Lectures Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements Online Audio/Video Lectures(Apple mobile users: Search "BUS121" in iTunes.) Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 29 Jan    Money Management & Financial Statements TueThur Noon Lecture 1 Audio -- 28 Jan    Money Management & Financial Statements
Chapter 3	Taxes in Your Financial Plan	Presentation Handout/Assignment - Commentary Supplemental Form 1040 Tax Assignment   (Like First & Second Income Tax Exercises) After Tax Worksheet - Commentary - Answer Key Tax Returns First Income Tax Exercise  (Lecture #2) Second Income Tax Exercise - Commentary - Answer Key - TurboTax Return 1040EZ Example - Commentary 2013 IRS Form 1040 from www.irs.gov 2013 IRS Form 1040 Schedule A 2013 IRS Form 1040EZ 2013 Tax Tables 2013 IRS Form 1040 Instructions Online Audio Lectures Chapter 3 - Lecture 1 - Slides 1 to 11    Taxes & Financial Planning; How Much Does It Really Cost? Chapter 3 - Lecture 2 - Slides 12 to 30    A Typical Homeowner's Form 1040 Chapter 3 - Lecture 3 - Slides 31 to 48    Tax Resources, Audits, & Strategies Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 3 - Lecture 1 - Slides 1 to 11    Taxes & Financial Planning; How Much Does It Really Cost? Chapter 3 - Lecture 2 - Slides 12 to 30    A Typical Homeowner's Form 1040 Chapter 3 - Lecture 3 - Slides 31 to 48    Tax Resources, Audits, & Strategies Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 5 Feb    Taxes & Financial Planning; How Much Does It Really Cost?, Begin A Typical Homeowner's Form 1040 MonWed 10am Lecture 2 Audio -- 10 Feb    Continue A Typical Homeowner's Form 1040 MonWed 10am Lecture 3 Audio -- 12 Feb    Tax Resources, Audits, & Strategies TueThur Noon Lecture 1 Audio -- 4 Feb    Taxes & Financial Planning; How Much Does It Really Cost?, Begin A Typical Homeowner's Form 1040 TueThur Noon Lecture 2 Audio -- 6 Feb>    Continue A Typical Homeowner's Form 1040 TueThur Noon Lecture 3 Audio -- 11 Feb    Tax Resources, Audits, & Strategies
Part 2: Managing Your Personal Finances
Chapter 4	Savings and Payment Services	Presentation Handout/Assignment - Commentary Reconciliation Problem A - Answer Key - Presentation Reconciliation Problem B (Part of chapter 4 assignment) Reconciliation Worksheet Reconciliation Practice Problem - Answer Key CheckBook Spreadsheet - Presentation An Alternative CheckBook Spreadsheet (Another method to solve Reconciliation Problem A) Online Audio Lectures Chapter 4 - Lecture 1 - Slides 1 to 16    Savings and Payment Services Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 4 - Lecture 1 - Slides 1 to 16    Savings and Payment Services Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 24 Feb    Savings and Payment Services, Check Reconciliation TueThur Noon Lecture 1 Audio -- 18 Feb    Savings and Payment Services, Check Reconciliation
Chapter 5	Consumer Credit: Advantages, Disadvantages, Sources, and Costs	Presentation Handout/Notes - Exercises/Assignment - Commentary Interest Calculation Worksheet - Commentary - Answer Key Annual Credit Report One free credit report each year from each of the three credit bureaus Annual Credit Report FAQ Credit Solicitations - Audio/Visual Commentary Credit Solicitation Images - Audio/Visual Commentary Tales from the Credit Card House of Horrors - Commentary How is your FICO score calculated? 10 Reasons I Am Canceling My Credit Cards Yes, Credit Cards Are Making You a Bad Person Online Audio Lectures Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 67    Credit Scores; Identity Theft; Credit Problems & Bankruptcy Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 67    Credit Scores; Identity Theft; Credit Problems & Bankruptcy Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 26 Feb    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity MonWed 10am Lecture 2 Audio -- 3 Mar    Credit Scores; Identity Theft; Credit Problems & Bankruptcy TueThur Noon Lecture 1 Audio -- 20 Feb    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity TueThur Noon Lecture 2 Audio -- 25 Feb    Credit Scores; Identity Theft; Credit Problems & Bankruptcy
Part 3: Making Your Purchasing Decisions
Chapter 6	Consumer Purchasing Strategies and Wise Buying of Motor Vehicles	Presentation Handout/Assignment - Commentary Bonus Assignment / Extra Credit - Commentary Car Ownership Costs - Commentary - Answer Key I'd Like Some More Things, Please! The High Price of Materialism An hour of TV takes 22 minutes from your life! The woman is the beer! Five car loan mistakes that can cost you money It's amazing what you can do with a bike High gas prices got you down? Fight back! Our Addiction - Our Neverending Thirst Portland Bike Move Tips for saving gas You want the price of gas to fall? Stop buying it! How do you get young people to stop texting & driving? Make 'em do it to pass the driving exam! If you get pulled over for drunk driving, you had better be loaded! "Osiffer, I'm not as thunk as you drink I am." Take the Pledge! Never drink & drive Confession: I killed a man Online Audio Lectures Chapter 6 - Lecture 1 - Slides 1 to 44    Consumerism Chapter 6 - Lecture 2 - Slides 44 to 68    Cars! Culture of Consumption Scandal #1 Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 6 - Lecture 1 - Slides 1 to 44    Consumerism Chapter 6 - Lecture 2 - Slides 44 to 68    Cars! Culture of Consumption Scandal #1 Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 5 Mar    Consumerism MonWed 10am Lecture 2 Audio -- 10 Mar    Cars! Culture of Consumption Scandal #1 TueThur Noon Lecture 1 Audio -- 27 Feb    Consumerism TueThur Noon Lecture 2 Audio -- 4 Mar    Cars! Culture of Consumption Scandal #1
Chapter 7	Selecting and Financing Housing	Presentation Handout/Assignment - Commentary Comparing Mortgages Assignment Mortgage Exercises Handout - Commentary - Answer Key Mortgage Amortization Table Example HUD Final Settlement Document Zillow Presentation    How much is your house worth? A whole lot less than it was 6 or 7 years ago! Monthly Resets of Optional ARM Mortgages - Commentary Mortgage Rates versus Points - Commentary Some reverse mortgages are pushing some seniors out of their homes Million-Dollar Mega-Flop One of the worst examples of the bursting of the housing bubble A wealthy couple's entire financial life ruined by the housing bubble HOA Horror Story Online Audio Lectures Chapter 7 - Lecture 1 - Slides 1 to 18    Housing, Renting versus Owning Chapter 7 - Lecture 2 - Slides 19 to 35    Home Buying Process, Mortgage Calculations Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 7 - Lecture 1 - Slides 1 to 18    Housing, Renting versus Owning Chapter 7 - Lecture 2 - Slides 19 to 35    Home Buying Process, Mortgage Calculations Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 12 Mar    Housing, Renting versus Owning MonWed 10am Lecture 2 Audio -- 17 Mar    Home Buying Process, Mortgage Calculations TueThur Noon Lecture 1 Audio -- 6 Mar    Housing, Renting versus Owning TueThur Noon Lecture 2 Audio -- 11 Mar    Home Buying Process, Mortgage Calculations
Part 4: Insuring Your Resources
Chapter 8	Home and Automobile Insurance	Presentation Handout/Notes - Assignment - Commentary How an Umbrella Liability Policy Works - View/listen to first presentation for commentary Homeowner's & Automobile Insurance Liability Worksheet - Answer Key - View/listen to presentations for commentaries Sneaky ways car insurers raise your rates New Car Replacement Protection Better than GAP Protection - Commentary 15 Insurance Policies You Don't Likely Need Water Pipe Repair Insurance? (Only $6 per month!) Credit card insurance? Keep your back to the wall! DMV Insurance Notices 1 - 2 - 3 - Don't Let Your Automobile Insurance Lapse! Online Audio Lectures Chapter 8 - Lecture 1 - Slides 1 to 23    Intro to Insurance, Homeowner's & Renter's Insurance Chapter 8 - Lecture 2 - Slides 24 to 44    Auto Insurance Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 8 - Lecture 1 - Slides 1 to 23    Intro to Insurance, Homeowner's & Renter's Insurance Chapter 8 - Lecture 2 - Slides 24 to 44    Auto Insurance Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 24 Mar    Intro to Insurance, Homeowner's & Renter's Insurance MonWed 10am Lecture 2 Audio -- 26 Mar    Auto Insurance TueThur Noon Lecture 1 Audio -- 18 Mar    Intro to Insurance, Homeowner's & Renter's Insurance TueThur Noon Lecture 2 Audio -- 20 Mar    Auto Insurance
Chapter 9	Health and Disability Income Insurance	Presentation Handout/Assignment - Commentary Insurance Company Rules! Health Care Reform Analysis $5,000 Tummy Ache Putting a Price on a Doomed Life To Live Long, Prosper First Soda Blues How much sugar is in a can of cola? The Real Coca Cola Polar Bears   Warning: It's not happy Per Capita Consumption of Coca Cola: 2011 - 2012 Red Meat Blues More Red Meat Blues Covered California -- The California Affordable Care Act Exchange Are we smart enough for Obamacare? Why do people oppose Obamacare? CNN/AARP Survey More polls about the Affordable Care Act Irreverent look at Obamacare versus Romneycare Romneycare has been successful in Massachusetts Why we like the Affordable Care Act but fear Obamacare Online Audio Lectures Chapter 9 - Lecture 1 - Slides 1 to 22    Health & Disability Income Insurance Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 9 - Lecture 1 - Slides 1 to 22    Health & Disability Income Insurance Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 26 Mar    Health & Disability Income Insurance TueThur Noon Lecture 1 Audio -- 20 Mar    Health & Disability Income Insurance
Chapter 10	Financial Planning with Life Insurance	Presentation Handout - Assignment - Commentary Play The Longevity Game! Whole Life Policy Illustration -    Please see following presentation regarding this policy Whole Life Policy Illustration Presentation    $60 per month for 30 years gives you $17,551 -- Less than 0% interest! Life Insurance Quotes    Term versus Whole Life -- $500,000 for 32-year-old male Aha! I found a whole life policy quote!    Term versus Whole Life -- $500,000 for 32-year-old male Really Cheap Life Insurance Quote from AIG - Unsolicited term quote via my e-mail - AIG Direct - Careful! They will want to contact you directly! 10 Things Your Life Insurance Company Will Not Tell You  The Big Jerks! Life Insurance Mail Solicitation 1 - Commentary   Life Insurance to Pay Mortgage Life Insurance Mail Solicitation 2 - Commentary   Life Insurance to Pay Mortgage - Another Example Life Insurance Agent Solicitation - Commentary   Make $500 Per Day Selling Funeral Insurance! Life Insurance Mail Solicitation 3 - Commentary   Life Insurance to Pay for Funeral Life Insurance Solicitation via E-mail  Dumb! Online Audio Lectures Chapter 10 - Lecture 1 - Slides 1 to 36    Life Insurance: "Buy Term & Invest the Difference!" Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 10 - Lecture 1 - Slides 1 to 36    Life Insurance: "Buy Term & Invest the Difference!" Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 2 Apr    Life Insurance: "Buy Term & Invest the Difference!" TueThur Noon Lecture 1 Audio -- 25 Mar    Life Insurance: "Buy Term & Invest the Difference!"
Part 5: Investing Your Financial Resources
Chapter 11	Investing Basics and Evaluating Bonds	Presentation Handout - Assignment - Commentary Bond Prices and Yields Worksheet - Commentary - Answer Key Forget Yahoo! for Bond Quotes -- Use these web sites! FINRA bond quick search page (Careful: Choose Corporate for quick or advanced search.) FINRA bond advanced search page Examples of Account Types Regular and Roth IRA Account - Commentary Roth IRA Account Only - Commentary Annuities Annuity Solicitation - Lunch! - Commentary Annuity First-Year Teaser Rate - Commentary What's In It For the Annuity Salesperson! - Commentary Confessions of an indexed annuity salesperson Bond Quotes Ford: Mar 09 - Oct 09 - Jun 10 - Oct 10 - Mar 11 - Oct 11 - Mar 12 - Oct 12 - Mar 13 - Oct 13:Yahoo! Finra - Mar 14 - Poway: Feb 09 - Jun 10 - Oct 10 - Mar 11 - Oct 11 - Mar 12 - Oct 12 - Mar 13 - Oct 13 - Mar 14 - Online Audio Lectures Chapter 11 - Lecture 1 - Slides 1 to 23    Introduction to Investments; Taxable versus Tax-Qualified Accounts Chapter 11 - Lecture 2 - Slides 23 to 46    Overview of Investment Alternatives Chapter 11 - Lecture 3 - Slides 47 to 69    Bonds Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 11 - Lecture 1 - Slides 1 to 23    Introduction to Investments; Taxable versus Tax-Qualified Accounts Chapter 11 - Lecture 2 - Slides 23 to 46    Overview of Investment Alternatives Chapter 11 - Lecture 3 - Slides 47 to 69    Bonds Out-of-Classroom Presentation for Monday/Wednesday Face-to-Face Class Overview of Account Types - Slides 12 to 22 Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 7 Apr    Introduction to Investments; Overview of Investment Alternatives; Begin Bonds MonWed 10am Lecture 2 Audio -- 9 Apr    Finish Bonds TueThur Noon Lecture 1 Audio -- 27 Mar    Introduction to Investments; Taxable versus Tax-Qualified Accounts: Begin Overview of Investments TueThur Noon Lecture 2 Audio -- 1 Apr    Finish Overview of Investment Alternatives; Begin Bonds TueThur Noon Lecture 3 Audio -- 3 Apr    Finish Bonds
Chapter 12	Investing in Stocks	Presentation Handout - Assignment - Commentary Stock Calculations Worksheet - Commentary - Answer Key Eighty Years Ago - Commentary - Don't Peek! Penny Stock Scams August 2006 Scam - PPTL  From $0.138 to $0.05 in just one week! August 2006 Scam - DPER  From $0.006 to $0.06 in just 9 days!       Look up either of these companies and you will find that their stocks prices are now less than $0.00! March 2012 Scam - PPTF  Changed name to BreedIT and is now hawking marijuana March 2012 Scam - VIBE  Now selling for $0.00 Two British Teens Ran "Stock-Picking Robot" Scam Are all stockbrokers dishonest?   No, but you need to get a good referral! FINRA Broker Check   The Financial Industry Regulatory Authority regulates brokers and brokerage firms.    They don't do a very good job, in my humble opinion. Stock Certificates Disney - Allied Signal - Campbell's Soup - Commentary Untold Riches Can Be Yours Gambling, uh, I mean, Investing in Options! Optionetics 2-Day Sure-Fire Seminar! Only $4,495 plus S&H! - No Comment Interested in Researching Stocks? Yahoo! Finance Demonstration - Ford Stock Price History Bloomberg & Marketwatch Demonstrations Yahoo! Finance MarketWatch (Wall Street Journal) Bloomberg Finance CNN Money (Fortune & Money Magazine) Online Audio Lectures Chapter 12 - Lecture 1 - Slides 1 to 18    Introduction to Stocks; Stock Types Chapter 12 - Lecture 2 - Slides 19 to 35    Stock Indexes; Numeric Measures Chapter 12 - Lecture 3 - Slides 36 to 47    Investment Theories; Stock Strategies Chapter 12 - Lecture 4 - Slides 48 to 59    All Stars of Investing; Famous Myths & Stupid Sayings Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 12 - Lecture 1 - Slides 1 to 18    Introduction to Stocks; Stock Types Chapter 12 - Lecture 2 - Slides 19 to 35    Stock Indexes; Numeric Measures Chapter 12 - Lecture 3 - Slides 36 to 47    Investment Theories; Stock Strategies Chapter 12 - Lecture 4 - Slides 48 to 59    All Stars of Investing; Famous Myths & Stupid Sayings Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 23 Apr    Introduction to Stocks; Stock Types MonWed 10am Lecture 2 Audio -- 28 Apr    Stock Indexes; Numeric Measures MonWed 10am Lecture 3 Audio -- 30 Apr    Investment Theories; Stock Strategies; All Stars of Investing; Famous Myths & Stupid Sayings TueThur Noon Lecture 1 Audio -- 10 Apr    Introduction to Stocks; Stock Types TueThur Noon Lecture 2 Audio -- 22 Apr    Stock Indexes; Numeric Measures TueThur Noon Lecture 3 Audio -- 24 Apr    Investment Theories; Stock Strategies; All Stars of Investing; Famous Myths & Stupid Sayings
Chapter 13	Investing in Mutual Funds	Presentation Handout/Assignment - Assignment - Commentary Mutual Fund Types Scramble Sheet     (Have a copy printed for online lecture 2) A Sample Mutual Fund (Online lecture 2) The Benefit of Time - Audio Commentary Worst Day / Best Day - Audio Commentary 80 Years of Returns - Audio/Visual Commentary ICA Prospectus Offerings of Sample Mutual Fund Companies Performance  (Online lecture 2) Vanguard Funds Performance American Funds Performance Fidelity Funds    Only shows 265 Fidelity funds. Fidelity Funds and all the other funds that they offer through their web site    Over 11,000! Dodge and Cox Funds Performance T. Rowe Price Funds Annual Reports and Prospectuses  (Online lecture 2) Vanguard Funds American Funds Fidelity Funds Dodge and Cox Funds T. Rowe Price Funds Hypothetical Illustrations (Online lecture 2) $100 per month for 30 years $100 per month for 40 years $100 per month for 40 years - increase $10 each year $500 per month for 20 years $60 per month for 30 years  Remember the life insurance illustration? $17,551 after 30 years?   Presentation on the above Hypothetical Illustrations ICA Prospectus Online Audio Lectures Chapter 13 - Lecture 1 - Slides 1 to 23    Intro to Mutual Funds; Fees, Fees, Fees! Chapter 13 - Lecture 2 - Slides 24 to 39    Types of Mutual Funds; Fund Families; How to Pick a Mutual Fund Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 13 - Lecture 1 - Slides 1 to 23    Intro to Mutual Funds; Fees, Fees, Fees! Chapter 13 - Lecture 2 - Slides 24 to 39    Types of Mutual Funds; Fund Families; How to Pick a Mutual Fund Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 5 May    Intro to Mutual Funds; Fees, Fees, Fees! MonWed 10am Lecture 2 Audio -- 7 May    Types of Mutual Funds; Fund Families; How to Pick a Mutual Fund TueThur Noon Lecture 3 Audio -- 12 May    Hypothetical Illustrations; Finish Mutual Fund TueThur Noon Lecture 1 Audio -- 29 Apr    Intro to Mutual Funds; Fees, Fees, Fees! TueThur Noon Lecture 2 Audio -- 1 May    Types of Mutual Funds; Fund Families; How to Pick a Mutual Fund
Lecture	Real Estate and Other Investment Alternatives	Presentation Handout (No Assignment) - Answer Key  (Please see slides 12 & 13 for commentary.) Real Estate Price Estimates: Zillow.com - Trulia.com - RedFin.com Online Audio Lectures Lecture Notes - Audio Lecture - Slides 1 to 25    Real Estate & Other Investment Alternatives Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Lecture Notes - Audio/Visual Lecture - Slides 1 to 25    Real Estate & Other Investment Alternatives Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 12 May    Real Estate & Other Investment Alternatives TueThur Noon Lecture 1 Audio -- 6 May    Real Estate & Other Investment Alternatives
Part 6: Controlling Your Financial Future
Chapter 14	Retirement and Estate Planning	Presentation Handout/Assignment - Commentary Strategies for Navigating the 401(k) Jungle -- Tom Petruno, LA Times The five biggest lies about entitlement programs Online Audio Lectures Chapter 14 - Lecture 1 - Slides 1 to 22    Retirement Planning; Retirement Accounts: 401(k)'s, Roth IRA, etc. Chapter 14 - Lecture 2 - Slides 23 to 36    The Baby Boomer Generation Retirement Time Bomb! Chapter 14 - Lecture 3 - Slides 37 to 62    Estate Planning; Dealing with a Windfall Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 14 - Lecture 1 - Slides 1 to 22    Retirement Planning; Retirement Accounts: 401(k)'s, Roth IRA, etc. Chapter 14 - Lecture 2 - Slides 23 to 36    The Baby Boomer Generation Retirement Time Bomb! Chapter 14 - Lecture 3 - Slides 37 to 62    Estate Planning; Dealing with a Windfall Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio -- 19 May     Retirement Planning MonWed 10am Lecture 2 Audio -- 21 May     Estate Planning TueThur Noon Lecture 1 Audio -- 13 May     Retirement Planning - Sorry. Technical Difficulties. Please listen to online presentations #1 & #2 or MonWed lecture for May 19th TueThur Noon Lecture 2 Audio -- 15 May     Estate Planning

Text Book