BUS-121 - Financial Planning & Money Management

Spring 2017
Southwestern Community College
Instructor: Frank Paiano

Part 1: Planning Your Personal Finances
Chapter 1: Personal Financial Planning in Action	Syllabus: BUS-121-03 Tuesday/Thursday Face-to-face Class Syllabus BUS-121-501 Online Syllabus - Audio Commentary of Online Syllabus - Long Format  Long format in Canvas Your Humble Professor Introduces Himself Your Humble Professor Introduces Himself (CC) Your Humble Professor Introduces Himself Using YouTube  I am still futzin' around with this video stuff. Your Humble Professor Introduces Himself with just audio A Guided Tour of the Class Web Site - Closed Captioned  Uh, what yer lookin' at now. Chapter 1 Materials Presentation  Every chapter has a presentation that can be read with Powerpoint, Open Office, Libre Office, or Google Docs. Study Guide - Audio Commentary - Video Commentary - Video Commentary (CC) Assignment - Audio Commentary - Video Commentary - Video Commentary (CC) Rubric for Goals Assignment - Commentary   Goal Setting Exercise - (Face-to-face in class exercise) Discussion Boards Assignment (Online students only) - Commentary   Add your picture to the discussion boards!  We want to see your smiling face! Chapter 1 Bonus Assignment -- Fun! 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. How to Submit Assignments (Online students only) - Commentary Attendance Formula (Face-to-face students only) Marriage and Finance Future Value Handouts and Tables Future Value Handout - Commentary - Answer Key Future Value Tables - (Need for future value calculations) Future Value Practice - Answer Key Online Audio Lectures (MP3 format which can be downloaded to mobile device or CD.) 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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 on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 31 Jan    Introduction: Personal Financial Planning TueThur 10:10 a.m. Lecture 2 Audio - 2 Feb    Goal Setting & the Time Value of Money TueThur 10:10 a.m. Lecture 3 Audio - 7 Feb    Financial Aspects of Career Planning
Chapter 2: Money Management Strategy: Financial Statements and Budgeting	Presentation Study Guide Assignment - Audio Commentary - Video Commentary - Video Commentary (CC) Financial Statements Practice - Answer Key Financial Statements Practice On Your Own Creating a Good Password: Good - Better - Best Creating a Good PIN Computer Laboratory: Financial Statements Spreadsheet - Video - Video (CC) - Audio 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 Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 7 Feb    Money Management & Financial Statements
Chapter 3: Taxes in Your Financial Plan	Presentation Study Guide Assignment - Audio Commentary - Video Commentary - Video Commentary (CC) Supplemental Form 1040 Tax Assignment - PDF File -   (Similar to First and Second Income Tax Exercises) After Tax Worksheet - Commentary - Answer Key  (Lecture #1) Tax Returns First Income Tax Exercise - Schedule A  (Use with Lecture #2) Second Income Tax Exercise - 1040 PDF File - Commentary - Answer Key 1040EZ Example - Commentary IRS Web Site and Forms www.irs.gov  Please use IRS web site for your research questions 2016 IRS Form 1040 2016 IRS Form 1040 Schedule A 2016 IRS Form 1040EZ 2016 Tax Tables 2016 IRS Form 1040 Instructions Publication 17  Publication 17 is a very popular and thorough guide to most all tax returns IRS Audits and Appeals How Do IRS Audits Work? Doing Battle with the IRS How far back can the IRS audit you? The IRS can revoke your passport!? Yep! 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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 on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 9 Feb    Taxes & Financial Planning; How Much Does It Really Cost?, Begin: A Typical Homeowner's Form 1040 TueThur 10:10 a.m. Lecture 2 Audio - 14 Feb    Continue: A Typical Homeowner's Form 1040; Tax Resources and Audits, Tax Strategies TueThur 10:10 a.m. Lecture 3 Audio - 16 Feb    Second Tax Exercise, 1040EZ, Review for Exam
Part 2: Managing Your Personal Finances
Chapter 4: Savings and Payment Services	Presentation Study Guide Assignment - Audio Commentary - Video Commentary - Video Commentary (CC) Reconciliation Worksheet  The reconciliation worksheet is used for the checkbook reconciliation problems. Reconciliation Practice Problem 1 - Check Register Answer Key - Reconciliation Answer Key    Presentation - Presentation (CC) - Audio Reconciliation Practice Problem 2 - Check Register Answer Key - Reconciliation Answer Key Reconciliation Assignment   (Part of the chapter 4 assignment) CheckBook1 Spreadsheet - Presentation - Presentation (CC) - Audio CheckBook2 Spreadsheet  Demonstrates another method to reconcile practice problem #1 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 8    Savings and Payment Services Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 23 Feb    Savings and Payment Services, Check Reconciliation
Chapter 5: Consumer Credit: Advantages, Disadvantages, Sources, and Costs	Presentation Study Guide Assignment - Audio Commentary - Video Commentary - Video Commentary (CC) 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 - Video Commentary - Video Commentary (CC) Credit Solicitation Images - Video Commentary - Video Commentary (CC) 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! $36 worth of Girl Scout Cookies!?   A debt collector goes after someone for $36 worth of cookies he did not buy 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 66    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 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy TueThur 10:10 a.m. Lecture 1 Audio - 28 Feb    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity TueThur 10:10 a.m. Lecture 2 Audio - 2 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 Study Guide Assignment - Audio Commentary - Video Commentary - Video Commentary (CC) Example of bar chart bonus point  At Donovan Prison, they have to be creative. No computers! Bonus Assignment / Extra Credit - Commentary  For video, see the video commentary for the chapter 6 assignment. I'd Like Some More Things, Please!  Can you list every single item you own? We have too much! 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! San Diego Bike Coalition  Come join us! We have too much fun volunteering! It's amazing what you can do with a bike High gas prices got you down? Fight back! Disaster Relief Race  In an emergency where roads are impassable, a bike is literally a lifesaver. Portland Bike Move Ten Tips for Successful Cycling Cars Car Ownership Costs - Answer Key AAA Your Driving Costs 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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 on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 7 Mar    Consumerism TueThur 10:10 a.m. Lecture 2 Audio - 9 Mar    Cars! Culture of Consumption Scandal #1
Chapter 7: Selecting and Financing Housing	Presentation Study Guide Assignment and Mortgage Exercises Worksheet - Answer Key Comparing Mortgages Assignment - Audio Commentary Mortgages Mortgage Amortization Table Monthly Resets of Optional ARM Mortgages - Audio - Video - Video (CC) Mortgage Rates versus Points - Video - Video (CC) - Audio Example HUD Final Settlement Document Zillow Presentation - Video (CC) - Audio -   How much is your house worth? Maybe finally as much as it was worth 10 years ago! Or maybe not. Zillow - Trulia - Redfin 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 ... How 'bout some good news for a change? Foreclosure activity continues to dwindle  But still above pre-Great Recession levels Property Manager Steals Rent Money  Makre sure you receive a receipt for your rent payment every month! 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 14 Mar    Mortgage Calculations, Housing, Renting versus Owning, Home Buying Process TueThur 10:10 a.m. Lecture 2 Audio - 17 Mar    Home Buying Process (finished), Mortgage Calculations (review), Check Reconciliation (review)
Part 4: Insuring Your Resources
Chapter 8: Home and Automobile Insurance	Presentation Study Guide Assignment - Assignment Sheet - Audio 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 23 Mar    Intro to Insurance, Homeowner's & Renter's Insurance, Begin Auto Insurance TueThur 10:10 a.m. Lecture 2 Audio - 4 Apr    Auto Insurance
Chapter 9: Health and Disability Income Insurance	Presentation Study Guide Assignment - Assignment Sheet - Audio Commentary Worksheet - Commentary - Answer Key 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 your 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    Coke stopped publishing these when they realized people like me were using the graphs to educate people about how much we drink 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 Childhood Obesity  The Center for Disease Control's take on the problem 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 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 21    Health & Disability Income Insurance Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 9 - Lecture 1 - Slides 1 to 21    Health & Disability Income Insurance Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 9 - Lecture 1 - Slides 1 to 21    Health & Disability Income Insurance Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 9 - Lecture 1 - Slides 1 to 21    Health & Disability Income Insurance Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 4 Apr    Health & Disability Income Insurance
Chapter 10: Financial Planning with Life Insurance	Presentation Study Guide Assignment - Assignment Sheet - Audio Commentary Play The Longevity Game! Quotes, Illustrations, Really Cheap and Really Expensive Solicitations, and 10 Things the Jerks Won't Tell You Life Insurance Quotes Video - Video (CC) - Audio  Term versus Universal (Whole life) versus Return of Principal Term   LifeInsure.com  This company still allows you to get a quote without giving your contact info Whole Life Policy Illustration -  Please see following presentation regarding this policy   Whole Life Policy Illustration Presentation - Video (CC) - Audio   $60 per month for 30 years gives you $17,551 -- Less than 0% interest! (See slide 27) 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 -- Never trust a life insurance solicitation that comes in the mail! 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  $1 ... only for the first month, then ouch! Big Jerks! Accidental Life Insurance $250,000 for $23/mo  You can get $250,000 for $23/month that pays only in the event of accidental death. Not smart. Big Jerks! 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. Really not smart. 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!" Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 10 - Lecture 1 - Slides 1 to 36    Life Insurance: "Buy Term & Invest the Difference!" Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 10 - Lecture 1 - Slides 1 to 36    Life Insurance: "Buy Term & Invest the Difference!" Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 6 Apr    Life Insurance: "Buy Term & Invest the Difference!"
Part 5: Investing Your Financial Resources
Chapter 11: Investing Basics and Evaluating Bonds	Presentation Study Guide Assignment - Audio Commentary Bond Prices and Yields Worksheet - Commentary - Answer Key FINRA Bond Quotes (Careful: Choose Corporate for quick or advanced search.) FINRA Bond Search Page FINRA Bond Home Page Examples of Account Types Regular and Roth IRA Account - Roth IRA Account Only - Video - Video (CC) - Audio 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 Municipal Bond Quotes - Commentary: Video - Video (CC) - Audio Commentary   Los Angeles Times, 7 July 2016 Ford: Mar 09 - Oct 09 - Jun 10 - Oct 10 - Mar 11 - Oct 11 - Mar 12 - Oct 12 - Mar 13 - Oct 13 - Mar 14 - Oct 14 - Mar 15 - Oct 16 - Apr 17   Presentation: Video - Video (CC) - Audio 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 - Oct 16 - Apr 17   Presentation: Video - Video (CC) - Audio Bond Illustrations - Long Term Investing in Bonds $100 per month for 30 years $100 per month for 40 years $100 per month for 40 years, increasing $10 per month per year $60 per month for 30 years   Remember the whole life policy and $17,755 after "investing" $60 per month for 30 years? Presentation: Video - Video (CC) - Audio Bond Fund of America Prospectus Online Audio Lectures Chapter 11 - Lecture 1 - Slides 1 to 12    Introduction to Investments Chapter 11 - Lecture 1 - Slides 13 to 28    An Overview of the Investment Universe 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 Chapter 11 - Lecture 1 - Slides 13 to 28    An Overview of the Investment Universe Chapter 11 - Lecture 2 - Slides 29 to 51    Investing in Bonds Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 11 - Lecture 1 - Slides 1 to 12    Introduction to Investments Chapter 11 - Lecture 1 - Slides 13 to 28    An Overview of the Investment Universe Chapter 11 - Lecture 2 - Slides 29 to 51    Investing in Bonds Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 11 - Lecture 1 - Slides 1 to 28    Introduction to Investments Chapter 11 - Lecture 1 - Slides 13 to 28    An Overview of the Investment Universe Chapter 11 - Lecture 2 - Slides 29 to 51    Investing in Bonds Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 6 Apr    Introduction to Investments TueThur 10:10 a.m. Lecture 2 Audio - 11 Apr    Overview of Investment Alternatives; Bond Calculations TueThur 10:10 a.m. Lecture 3 Audio - 13 Apr    Finish Bonds and Bond Calculations
Chapter 12: Investing in Stocks	Presentation Study Guide Assignment - Audio Commentary  (See Researching Stocks below.) Stock Calculations Worksheet - Commentary - Answer Key Eighty-Three Years Ago - Commentary - Don't Peek! Stock Illustrations - Long Term Investing in Stocks $100 per month for 30 years $100 per month for 40 years $100 per month for 40 years, increasing $10 per month per year $60 per month for 30 years   Remember the whole life policy and $17,755 after "investing" $60 per month for 30 years?   Presentation: Video - Video (CC) - Audio Growth Fund of America Prospectus Interested in Researching Stocks? Here are some stock quote websites: Researching Ford: Video - Video (CC) - Audio   (Use for problems #8 and #9 in chapter 12 assignment. See how Ford's stock price was hammered in the Great Recession.) Google Finance   Not up the usual high standards of Google buy hey! It's better than the new Yahoo! Finance. Yahoo! Finance   Yahoo! Finance died on 15 July 2016. It is now complete garbage. Canadian Yahoo! Finance   The Canadian Yahoo! Finance died in December 2016. MarketWatch   (Wall Street Journal's free web site) Bloomberg Finance CNN Money (Fortune & Money Magazine) Morningstar   Careful! They will try to get you to enroll in premium services for $30 per month! Don't do it! 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 us "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 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.) 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 25 Apr    Introduction to Stocks; Stock Types TueThur 10:10 a.m. Lecture 2 Audio - 27 Apr    Stock Indexes; Numeric Measures
Chapter 13: Investing in Mutual Funds	Presentation Study Guide Assignment - Audio Commentary Mutual Fund Types Scramble Sheet     (Have a copy printed for online lecture 2) Hypothetical Illustrations (Online lecture 3) $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: Video - Video (CC) - Audio American Balanced Fund Prospectus A Sample Mutual Fund (Online lecture 3) 83 Years of Returns - Video - Video (CC) - Audio The Benefit of Time - Audio Commentary Worst Day / Best Day - Audio Commentary ICA Prospectus Offerings of Sample Mutual Fund Companies Performance  (Online lecture 3) Vanguard Funds Performance American Funds Performance Fidelity Funds    Only shows 310 or so of Fidelity's over 500 mutual 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 Franklin Templeton Funds Annual Reports and Prospectuses  (Online lecture 3) Vanguard Funds American Funds Fidelity Funds Dodge and Cox Funds T. Rowe Price Funds Franklin Templeton Funds  Choose fund and then find [Documents] Online Audio Lectures Chapter 13 - Lecture 1 - Slides 1 to 8    Introduction to Mutual Funds; Fees Chapter 13 - Lecture 1 - Slides 9 to 15    Types of Mutual Funds, The Spectrum of Risk versus Return Chapter 13 - Lecture 2 - Slides 31 to 39    Fund Families; How to Pick a Mutual Fund; Hypothetical Illustrations Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 13 - Lecture 1 - Slides 1 to 8    Introduction to Mutual Funds Chapter 13 - Lecture 2 - Slides 9 to 15    Types of Mutual Funds, The Spectrum of Risk versus Return Chapter 13 - Lecture 3 - Slides 16 to 24    Fund Families; How to Pick a Mutual Fund; Hypothetical Illustrations Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 13 - Lecture 1 - Slides 1 to 8    Introduction to Mutual Funds; Fees Chapter 13 - Lecture 2 - Slides 9 to 15    Types of Mutual Funds, The Spectrum of Risk versus Return Chapter 13 - Lecture 3 - Slides 15 to 24    Fund Families; How to Pick a Mutual Fund; Hypothetical Illustrations Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 13 - Lecture 1 - Slides 1 to 8    Introduction to Mutual Funds; Fees Chapter 13 - Lecture 2 - Slides 9 to 15    Types of Mutual Funds, The Spectrum of Risk versus Return Chapter 13 - Lecture 3 - Slides 16 to 24    Fund Families; How to Pick a Mutual Fund; Hypothetical Illustrations Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 2 May    Intro to Mutual Funds; Fees, Fees, Fees!; Begin Types of Mutual Funds TueThur 10:10 a.m. Lecture 2 Audio - 4 May    Finish Types of Mutual Funds; Fund Families; How to Pick a Mutual Fund
Lecture: Real Estate and Other Investment Alternatives	Presentation Study Guide (No Assignment) Worksheet - Answer Key  (Please see slides 12 & 13 for answer key 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 27    Real Estate & Other Investment Alternatives Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Lecture Notes - Audio/Visual Lecture - Slides 1 to 27    Real Estate & Other Investment Alternatives Online Audio/Video Lectures on YouTube (Closed captioning available) Lecture Notes - Audio/Visual Lecture - Slides 1 to 27    Real Estate & Other Investment Alternatives Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Lecture Notes - Audio/Visual Lecture - Slides 1 to 27    Real Estate & Other Investment Alternatives Face-to-face Audio Lectures TueThur 10:10 a.m. Lecture 1 Audio - 9 May
Part 6: Controlling Your Financial Future
Chapter 14: Retirement and Estate Planning	Presentation Study Guide Bonus Assignment - Audio Commentary Hypothetical Illustrations Withdrawing money in retirement Bond Fund Retirement Portfolio  $400,000 Retirement Savings: Withdraw 5% per year, increasing withdrawals 3% each year Balanced Fund Retirement Portfolio  $400,000 Retirement Savings: Withdraw 5% per year, increasing withdrawals 3% each year   Presentation: Video - Video (CC) - Audio Strategies for Navigating the 401(k) Jungle -- Tom Petruno, LA Times The five biggest lies about entitlement programs Good news and bad news 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 Online Audio/Video Lectures on YouTube (Closed captioning available) 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/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) 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 TueThur 10:10 a.m. Lecture 1 Audio - 16 May     Retirement Planning TueThur 10:10 a.m. Lecture 2 Audio - 18 Dec     Estate Planning TueThur 10:10 a.m. Lecture Audio - 18 Dec     Estate Planning

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