Part 1: Planning Your Personal Finances |
Chapter 1:
Personal Financial Planning
in Action |
Syllabus:
BUS-121 Online Syllabus -
Audio Commentary of Syllabus
Presentation
Handout/Assignment -
Commentary
Discussion Boards Assignment
-
Commentary
Bonus Assignment / Extra Credit - Examples:
0
1
2
3
4
5
6
Summer 2014 Submission!
Commentary
Chapter 1 Bonus
Say No To Tobacco
New Hit Song Sweeping The Nation!
Rubric for Goals Assignment -
Commentary
How to Submit Assignments
-
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
|
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
|
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
|
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
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
|
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
|
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
|
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
|
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
|
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
|
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!
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!
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!"
|
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 -
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 -
Jul 14 -
Presentation
Poway: Feb 09 -
Jun 10 -
Oct 10 -
Mar 11 -
Oct 11 -
Mar 12 -
Oct 12 -
Mar 13 -
Oct 13 -
Mar 14 -
Jul 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
|
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.
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!
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
|
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 267 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
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
|
Lecture:
Real Estate and Other
Investment Alternatives
(Optional for Summer 2014) |
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
|
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
Rocket Lawyer Free Wills? Check it out!
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
|
