BUS-121 - Financial Planning & Money Management

Spring 2015
Southwestern Community College
Instructor: Frank Paiano

 

Next Exam
BUS-121-01	Mondays & Wednesdays	10:00 a.m. to 11:15 a.m.	Final Exam: Chapter 14 Review: All other chapters Friday, May 22nd, 10:30 a.m. to 12:30 p.m.
BUS-121-03	Tuesdays & Thursdays	Noon to 1:15 p.m.	Final Exam: Chapter 14 Review: All other chapters Tuesday, May 26th, 10:30 a.m. to 12:30 p.m.
BUS-121-501	Online	Online	Final Exam: Chapter 14 Review: All other chapters Friday, May 22nd to Tuesday, May 26th

Announcements for Online Students   (also available in Blackboard)

Week #18 - Final Exam! (A Day Early) - Student Evaluations     Due: Whatever you have! What are you waiting for? Turn it in! Week #17 - Estate Planning - Final Exam Next Week - Student Evaluation     Due: Chapter 14 Bonus Assignment Week #16 - Retirement Planning     Due: Chapter 13 Bonus Assignment, Investments Discussion Board Week #15 - Finish MutualFunds and Real Estate & Other Investment Alternatives - Exam #4     Due: Chapter 12 Assignment, Exam #4, Insurance Discussion Board Week #14 - Continuing Stocks, Starting Mutual Funds, Exam #4Next 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: Exam #3, Chapter 9 Assignment 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: Exam #2, Chapter 5 Assignment 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: Exam #1, Chapter 1 Assignment, Goals Discussion Board Week #3 - Chapter 3 on Taxes – Exam 1 Next Week – Chapter 1 Assignment and Goals Forum Posts 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 2015     Due: Please Introduce Yourself Discussion Board Week #0 - Presemester Announcement

Grade Sheets (Online Students Only)
BUS-121-501 Online Final course grades will be on WebAdvisor by June 1st
Student Evaluation Online Students Student Evaluation Sheet - Commentary

Part 1: Planning Your Personal Finances
Chapter 1: Personal Financial Planning in Action	Syllabus: BUS-121-01 Monday/Wednesday Syllabus BUS-121-03 Tuesday/Thursday Syllabus BUS-121 Online Syllabus - Audio Commentary of Online Syllabus Chapter 1 Materials Presentation Handout/Assignment - Commentary Rubric for Goals Assignment - Commentary   Discussion Boards Assignment (Online students only) - Commentary Bonus Assignment / Extra Credit - Examples: 0 1 2 3 4 5 6 7 8 Commentary   Chapter 1 Bonus       Say No To Tobacco    New Hit Song Sweeping The Nation! Bonus Assignment / Extra Credit - Commentary   Chapter 6 Bonus - Huh? It is for the Stupor Bowl.    MarketWatch says the Super Bowl was twelve minutes and six seconds How to Submit Assignments (Online students only) - Commentary Attendance Formula (Face-to-face students only) 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 - 21 Jan    Introduction: Personal Financial Planning MonWed 10am Lecture 2 Audio - 26 Jan    Goal Setting & the Time Value of Money MonWed 10am Lecture 3 Audio - 28 Jan    Financial Aspects of Career Planning TueThur Noon Lecture 1 Audio - 22 Jan    Introduction: Personal Financial Planning TueThur Noon Lecture 2 Audio - 27 Jan    Goal Setting & the Time Value of Money TueThur Noon Lecture 3 Audio - 3 Feb    Financial Aspects of Career Planning
Chapter 2: Money Management Strategy: Financial Statements and 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 - 28 Jan    Money Management & Financial Statements TueThur Noon Lecture 1 Audio - 3 Feb    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 - Answer Key - 1040EZ Example - Commentary IRS Web Site and Forms www.irs.gov  Please use IRS web site for your research questions 2014 IRS Form 1040 2014 IRS Form 1040 Schedule A 2014 IRS Form 1040EZ 2014 Tax Tables 2014 IRS Form 1040 Instructions IRS Audits and Appeals How Do IRS Audits Work? Doing Battle with the IRS How far back can the IRS audit you? 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 - 4 Feb    Taxes & Financial Planning; How Much Does It Really Cost?, Begin: A Typical Homeowner's Form 1040 MonWed 10am Lecture 2 Audio - 9 Feb    Continue: A Typical Homeowner's Form 1040 MonWed 10am Lecture 3 Audio - 11 Feb    Tax Resources, Audits, & Strategies; Review for Exam TueThur Noon Lecture 1 Audio - 10 Feb    Taxes & Financial Planning; How Much Does It Really Cost?, Begin: A Typical Homeowner's Form 1040 TueThur Noon Lecture 2 Audio - 12 Feb    Continue: A Typical Homeowner's Form 1040; Tax Resources and Audits TueThur Noon Lecture 3 Audio - 17 Feb    Tax Strategies; Review for Exam
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) It is expensive being poor and "unbanked"  This family shows you why A very good reason not to hide your money at home  One of many, by the way ... 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 - 23 Feb    Savings and Payment Services, Check Reconciliation TueThur Noon Lecture 1 Audio - 24 Feb  Technical Difficulties! Please listen to Monday/Wednesday class or online presentation
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 The rewards (and pitfalls) of being a Loyal, Obedient Member of the Benevolent Machine Tales from the Credit Card House of Horrors - Commentary Statute of Limitations on Being Sued for a Debt How is your FICO score calculated? 10 Reasons I Am Canceling My Credit Cards Yes, Credit Cards Are Making You a Bad Person The Dark Side of Debt Collection   Aye! This is some really scary stuff! The $2,400 debt that would not die! You think your student loan balance is bad?   How would you like a $210,000 student loan balance? A High Credit Score is a Predictor of What?!   Couples with higher credit scores report healthier and happier relationships 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 - 25 Feb    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity MonWed 10am Lecture 2 Audio - 2 Mar    Credit Scores; Identity Theft; Credit Problems & Bankruptcy TueThur Noon Lecture 1 Audio - 26 Feb    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity TueThur Noon Lecture 2 Audio - 3 Mar    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! Consumerism The High Price of Materialism An hour of TV takes 22 minutes from your life! The woman is the beer! Obituary for Author of "The Millionaire Next Door" The High Cost of Being Poor Bikes! It's amazing what you can do with a bike High gas prices got you down? Fight back! Disaster Relief Race Portland Bike Move Ten Tips for Successful Cycling Cars Five car loan mistakes that can cost you money Our Addiction - Our Neverending Thirst 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! Drunk Driving 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 - 4 Mar    Consumerism MonWed 10am Lecture 2 Audio - 9 Mar  Technical Difficulties! Please listen to Tuesday/Thursday class or online presentation TueThur Noon Lecture 1 Audio - 5 Mar    Consumerism TueThur Noon Lecture 2 Audio - 10 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? Maybe a whole lot less than it was 7 or 8 years ago! Zillow - Trulia - Redfin Monthly Resets of Optional ARM Mortgages - Commentary Mortgage Rates versus Points - Presentation - Audio 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 HOA Horror Story A Landlord's Horror Story Very strange solicitation    Saw an advertisement for these folks on a bus just a day ago ... 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 - 11 Mar    Mortgage Calculations, Housing, Renting versus Owning, Home Buying Process MonWed 10am Lecture 2 Audio - 16 Mar    Home Buying Process (continued), Review: Mortgage Calculations TueThur Noon Lecture 1 Audio - 12 Mar    Mortgage Calculations, Housing, Renting versus Owning, Home Buying Process TueThur Noon Lecture 2 Audio - 17 Mar    Home Buying Process (continued), 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 - 23 Mar    Intro to Insurance, Homeowner's & Renter's Insurance, Begin Auto Insurance MonWed 10am Lecture 2 Audio - 25 Mar    Auto Insurance TueThur Noon Lecture 1 Audio - 24 Mar    Intro to Insurance, Homeowner's & Renter's Insurance, Begin Auto Insurance TueThur Noon Lecture 2 Audio - 26 Mar    Auto Insurance
Chapter 9: Health and Disability Income Insurance	Presentation Handout/Assignment - Commentary Health Care Costs Health Care Costs Here and Abroad $5,000 Tummy Ache Putting a Price on a Doomed Life To Live Long, Prosper First Share of Consumer Spending on Health Hits Another Record in 2014 Insurance Companies Are Not On Your Side Insurance Company Rules! A $2,500 tube of cold sore cream?  Acyclovir? You can get this stuff in TJ for a few dollars! Fizzy Sugar Water With A Brown Crayon Dipped In It Is Not Good For You! What happens to you when you drink soda   This is just one of dozens of articles. Search for "What happens to you when you drink soda." How much sugar is in a can of cola? The Real Coca Cola Polar Bears   Warning: It's not happy Another "What happens to you body when you drink a can of Coke" Per Capita Consumption of Coca Cola: 2011 - 2011 (Showing growth) - 2012 Mexico drinks a whole lot of Coke! Even National Geographic is warning us about the dangers of sugar What Eating 40 Teaspoons of Sugar Can Do to You Coke Tries to Sugar Coat the Truth about Soda Reducing Your Intake Of Meat Is Going To Help You Live Longer and Healthier Red Meat Blues More Red Meat Blues Even More Red Meat Blues Why Are Kids Getting Fat? 6 Reasons U.S. Kids Are Overweight The Affordable Care Act (a.k.a. Obamacare, a.k.a. Romneycare) Covered California -- The California Affordable Care Act Exchange Shocking! Forbes says that Obamacare is working! Health Care Reform Analysis 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 The Affordable Care Act is 5 years old and Americans are still worried about death panels 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 - 25 Mar    Health & Disability Income Insurance TueThur Noon Lecture 1 Audio - 26 Mar    Health & Disability Income Insurance
Chapter 10: Financial Planning with Life Insurance	Presentation Handout - Assignment - Commentary Play The Longevity Game! Illustration, Link to Quotes, Really Cheap and Really Expensive Solicitations, and 10 Things the Jerks Won't Tell You 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 - Audio    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! Really Expensive Term Life Quote Very solicited term quote 10 Things Your Life Insurance Company Will Not Tell You  The Big Jerks! More Life Insurance Solicitations    Remember: Virtually anything you get in the mail or e-mail will be very expensive or useless or both 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 Mail Solicitation 4   Expensive 10-year Term Life with MIB disclosure Life Insurance Solicitation via E-mail  Dumb! Accidental Life Insurance $250,000 for $23/mo  You can get $500,000 for $23/month that pays in the event of any type of death - Dumb! Accidental Life Insurance $130,000 for $19/year?  Well, only if you die in an accident on public transportation. Any other accident is just $30,000. Big Jerks! 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 - 6 Apr    Life Insurance: "Buy Term & Invest the Difference!" Ooops! Technical Difficulties. Here is the MonWed lecture    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 FINRA Bond Quotes (Careful: Choose Corporate for quick or advanced search.) FINRA bond quick search page FINRA bond advanced search page Examples of Account Types Regular and Roth IRA Account - Roth IRA Account Only - Presentation 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 You just gave your annuity agent a great vacation! There’s a lot not to trust about annuities Too good to be true?   It's probably an indexed annuity Widow sold and resold 30 different annuities over 6 years by same agent   Agent earns $140,000 commissions, loses license but avoids jail time A vacation time share is an investment?! Ha!  Ha!  Ha!  Ha!  Ha! No, a vacation time share is a big hole in the ground into which you pour lots and lots o' money in perpetuity! 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 - Oct 14 - Mar 15 - Presentation Poway: Feb 09 - Jun 10 - Oct 10 - Mar 11 - Oct 11 - Mar 12 - Oct 12 - Mar 13 - Oct 13 - Mar 14 - Oct 14 - Mar 15 - Presentation Can anyone predict future interest rates?   Doesn't seem so. Online Audio Lectures Chapter 11 - Lecture 1 - Slides 1 to 28    Introduction to Investments; Overview of Investment Alternatives Chapter 11 - Lecture 2 - Slides 29 to 51    Bonds Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 11 - Lecture 1 - Slides 1 to 28    Introduction to Investments; Overview of Investment Alternatives Chapter 11 - Lecture 2 - Slides 29 to 51    Investing in Bonds Face-to-face Audio Lectures MonWed 10am Lecture 1 Audio - 8 Apr    Introduction to Investments; Overview of Investment Alternatives; Begin Bonds MonWed 10am Lecture 2 Audio - 13 Apr    Finish Bonds and Bond Calculations TueThur Noon Lecture 1 Audio - 9 Apr    Introduction to Investments; Overview of Investment Alternatives; Begin Bonds TueThur Noon Lecture 2 Audio - 14 Apr    Finish Bonds and Bond Calculations
Chapter 12: Investing in Stocks	Presentation Handout - Assignment - Commentary Stock Calculations Worksheet - Commentary - Answer Key Eighty-One 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, symbol BRDT, and is now hawking Marijuana March 2012 Scam - VIBE  Now selling for $0.00 October 2014 Scam - THNS  Gonna' be a big ripoff! Two British Teens Ran "Stock-Picking Robot" Scam Why do you think they call them "Brokers?" 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.  Shhh. Don't tell 'em I said that. They could make my life miserable! Stock Certificates Disney - Allied Signal - Campbell's Soup - Commentary Interested in Researching Stocks? Yahoo! Finance Demonstration - Ford Stock Price History Yahoo! Finance MarketWatch   (Wall Street Journal's free web site) Bloomberg Finance CNN Money (Fortune & Money Magazine) Untold Riches Can Be Yours Gambling, uh, I mean, Investing in Options! Online Trading Academy, 5-Day, 10 Three-hour Sessions, Only $5,000!    That's only $166.67 per hour! (At least it is cheaper than the Dog Therapist from chapter 6.) Tambien en espaρol! Solo $2,995! Pero ahora, para ti, hay buena ganga! Optionetics -- Uh, oh! No more classes!    They must have finally gotten the notice from the SEC that this is the final letter and next will be legal action. 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 - 20 Apr    Introduction to Stocks; Stock Types MonWed 10am Lecture 2 Audio - 22 Apr    Stock Indexes; Numeric Measures MonWed 10am Lecture 3 Audio - 27 Apr    Investment Theories; Stock Strategies; All Stars of Investing; Famous Myths & Stupid Sayings TueThur Noon Lecture 1 Audio - 21 Apr    Introduction to Stocks; Stock Types TueThur Noon Lecture 2 Audio - 23 Apr    Stock Indexes; Numeric Measures TueThur Noon Lecture 3 Audio - 28 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 81 Years of Returns - Commentary: Audio/Visual - Audio ICA Prospectus Offerings of Sample Mutual Fund Companies Performance  (Online lecture 2) Vanguard Funds Performance American Funds Performance Fidelity Funds    Only shows 279 Fidelity funds. Fidelity Funds and all the other funds that they offer through their web site    Almost 11,000! Dodge and Cox Funds Performance T. Rowe Price Funds Franklin Templeton Funds Annual Reports and Prospectuses  (Online lecture 2) Vanguard Funds American Funds Fidelity Funds Dodge and Cox Funds T. Rowe Price Funds Franklin Templeton 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 - 29 Apr    Intro to Mutual Funds; Fees, Fees, Fees!; Begin Types of Mutual Funds MonWed 10am Lecture 2 Audio - 4 May    Finish Types of Mutual Funds; Fund Families; How to Pick a Mutual Fund TueThur Noon Lecture 1 Audio - 30 Apr    Intro to Mutual Funds; Fees, Fees, Fees!; Begin Types of Mutual Funds TueThur Noon Lecture 2 Audio - 5 May    Finish 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 listen to the audio or audio/visual presentation for slides 12 & 13 for commentary.) Real Estate Price Estimates: Zillow.com - Trulia.com - RedFin.com This scam artist ... uh, I mean, reality show star wants to teach you how to flip real estate.  The cost for this training? Only $34,000! 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 - 6 May TueThur Noon Lecture 1 Audio - 7 May
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 Good news and bad news Six Potential Land Mines in Estate Planning 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 - 13 May     Ooops! Technical difficulties! Please listen/watch the first two online presentations for chapter 14 MonWed 10am Lecture 2 Audio - 18 May     Estate Planning TueThur Noon Lecture 1 Audio - 14 May     Retirement Planning TueThur Noon Lecture 2 Audio - 19 May     Estate Planning

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