BUS-121 - Financial Planning & Money Management

Fall 2017

Southwestern Community College
Instructor: Frank Paiano



Be not afraid.

"The moral arc of the universe in long, but it bends toward justice." -- Martin Luther King, Jr.

"This country is so fundamentally strong it can survive its leaders." -- Louis Rukeyser

Is the American republic built to withstand a malevolent president?

Same arguments as during Fascism in the 1930's and 1940's.



Next Exam and Announcements for Online Students

Next Exam
BUS-121-03 Tuesdays & Thursdays 1:20 pm to 2:45 pm Exam #4: Chapters 12, 13, and Real Estate and Other Investment Alternatives
 Chapter 12: Investing in Stocks
 Chapter 13: Investing in Mutual Funds
 Lecture-only Real Estate and Other Investment Alternatives
Tuesday, November 21st
BUS-121-501 and BUS-121-502
(Online classes)
Online Online Exam #4: Chapters 12, 13, and Real Estate and Other Investment Alternatives
 Chapter 12: Investing in Stocks
 Chapter 13: Investing in Mutual Funds
 Lecture-only Real Estate and Other Investment Alternatives
Wednesday, November 22nd, through Sunday, November 26th


Announcements   (also available in Canvas)

Week #14 - Finishing Investments and Exam #4 This Week - Video - Video (CC) - Audio
    Due: Exam #4, Chapter 12 Assignment, Investments Discussion Forum

Week #13 - Stocks, Mutual Funds, and Real Estate & Other Investment Alternatives - Video - Video (CC) - Audio
    Due: Chapter 11 Assignment
Week #12 - Starting Stocks and Mutual Funds! - Video - Video (CC) - Audio
    Due: Chapter 10 Assignment, Insurance discussion forum
Week #11 - Exam #3 on Insurance and Fundamentals of Investing with an Emphasis on Bonds - Video - Video (CC) - Audio
    Due: Exam #3, Chapter 9 Assignment
Week #10 – Chapter 10 on Life Insurance – Chapter 11 on Investing - Exam #3 Next Week - Video - Video (CC) - Audio
    Due: Chapter 8 Assignment, New or Used Cars Discussion Forum, Exam #3 next week
Week #9 – After Exam #2 – Starting Insurance – Chapters 8 & 9 - Video - Video (CC) - Audio
    Due: Chapter 7 Assignment
Week #8 – Finishing Chapter 7 on Housing - Exam #2 on Chapters 4, 5, 6, and 7 - Video - Video (CC) - Audio
    Due: Exam #2, Chapter 6 Assignment, Credit Cards Discussion Forum
Week #7 – Chapter 6, Consumerism and Cars - Next Week is Chapter 7, Housing, and Exam #2 - Video - Video (CC) - Audio
    Due: Chapter 5 Assignment, Banks Versus Credit Unions Discussion Forum, Exam #2 next week
Week #6 – Chapter 5 - Credit! - Video - Video (CC) - Audio
    Due: Chapter 4 Assignment, Financial Statements Discussion Forum
Week #5 – After the First Exam – Chapters 4 (Banking) and 5 (Credit!) - Video - Video (CC) - Audio
    Due: Chapter 3 Assignment, Marriage and Finance Discussion Forum
Week #4 – Finishing Chapter 3 on Taxes – Exam #1, Chapter 2 Assignment, and Saving 10% Forum - Video - Video (CC) - Audio
    Due: Exam #1, Chapter 2 Assignment, Saving 10% Discussion Forum
Week #3 - Taxes! - Chapter 1 and Goal Setting Discussion Forum Posts Due - Exam #1 Next Week - Video - Video (CC) - Audio
    Due: Chapter 1 Assignment, Goal Setting Discussion Forum, Exam 1 next week
Week #2 - Chapter 2 on Money Management and Financial Statements – Discussion Forums - Video - Video (CC) - Audio
    Due: "If I had a million dollars, I would ..." Discussion Forum
Week #1 - Introduction and Welcome to BUS-121, Financial Planning & Money Management, for Fall 2017 - Video - Video (CC) - Audio
    Due: Please Introduce Yourself Discussion Forum
Week #0 - Presemester Announcement  For students enrolled on the roster of BUS-121, Financial Planning and Money Management
Week #0 - Presemester Announcement  For students on the waiting list of BUS-121, Financial Planning and Money Management



Chapter Presentations, Handouts, and Assignments


Part 1: Planning Your Personal Finances

Chapter 1:
Personal Financial Planning
in Action


Syllabi:
BUS-121-03 Face-to-Face Class Syllabus - Audio commentary will be created during Lecture 1 on August 21st
  You could also listen to the Audio Commentary for the Online Classes Syllabus. It is almost exactly the same.
BUS-121-501-502 Online Classes Syllabus - Audio Commentary of Online Classes Syllabus - Long Format  Long format in Canvas
Your Humble Professor Introduces Himself
Your Humble Professor Introduces Himself (Closed Captioned) -  Look for Video (CC) for the closed captioned videos.
Your Humble Professor Introduces Himself with just audio -  Look for Audio for the audio commentaries.
A Guided Tour of the Class Web Site - Video (CC) - Audio  Uh, the class web site is what y'er lookin' at right 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 - Video Commentary - Video Commentary (CC) - Audio Commentary
Assignment - Audio Commentary
Rubric for Goals Assignment - Commentary
Discussion Forums Assignment - Commentary
  Add your picture to the discussion boards!  We want to see your smiling face!

Chapter 1 Bonus Assignments -- Fun!
Bonus Assignment / Extra Credit - Examples: 0 1 2 3 4 5 6 7 8 9 Commentary   Chapter 1 Bonus   
   Say No To Tobacco    New Hit Song Sweeping The Nation!

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
Future Value Practice - On Your Own

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 1:20 pm Lecture 1 Audio - 22 Aug    Welcome and Introduction: Personal Financial Planning
TueThur 1:20 pm Lecture 2 Audio - 24 Aug    Goal Setting & the Time Value of Money (Ooops! Technical Difficulies! See lecture #2 above)
TueThur 1:20 pm Lecture 3 Audio - 29 Aug    Financial Aspects of Career Planning

Chapter 2:
Money Management Strategy:
Financial Statements
and Budgeting

Presentation
Study Guide
Assignment - Audio Commentary
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
Excel Spreadsheet - Google 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 1:20 pm Lecture 1 Audio - 29 Aug    Money Management & Financial Statements

Chapter 3:
Taxes in Your Financial Plan

Presentation
Study Guide
Assignment - Audio Commentary
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 Instructions - 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 1:20 pm Lecture 1 Audio - 31 Aug    Taxes & Financial Planning; How Much Does It Really Cost?, Begin: A Typical Homeowner's Form 1040
TueThur 1:20 pm Lecture 2 Audio - 5 Sep    Continue: A Typical Homeowner's Form 1040; Tax Resources and Audits, Tax Strategies
TueThur 1:20 pm Lecture 3 Audio - 7 Sep    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

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)

CheckBook Spreadsheets
CheckBook1: Excuse - Google Docs
CheckBook2: Expel - Google Docs  Demonstrates another method to reconcile practice problem #1
  Presentation: Video - Video (CC) - Audio

It is expensive being poor and "unbanked"  This family shows you why
Why 56 million Americans have no bank account  Some research that shows for the poor, banks are more expensive than loan-until-payday outlets
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 1:20 pm Lecture 1 Audio - 14 Thur    Savings and Payment Services, Check Reconciliation

Chapter 5:
Consumer Credit:
Advantages, Disadvantages,
Sources, and Costs

Presentation
Study Guide
Assignment - Audio 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 - 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
Debt Consolidation Loan  Roll all your credit cards into a debt consolidation loan ... and then run up your credit cards all over again!
LA Times: Statute of Limitations on Being Sued for a Debt
CreditCard.com: Statute of Limitations on Being Sued for a Debt  The debt is then "time-barred."

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
Number #1 Source of Consumer Complaints? Debt collection!   Surprise!

A High Credit Score is a Predictor of What?!   Couples with higher credit scores report healthier and happier relationships
How Much Debt Does Each Generation Carry?   Scroll down to see the median debt levels for each generation
You think your student loan balance is bad?   How would you like a $210,000 student loan balance?

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

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 67    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 67    Credit Scores; Identity Theft; Credit Problems & Bankruptcy

Face-to-face Audio Lectures
TueThur 1:20 pm Lecture 1 Audio - 19 Sep    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity
TueThur 1:20 pm Lecture 2 Audio - 20 Sep    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
Example of bar chart bonus point  At Donovan Prison, they have to be creative. No computers!
Bonus Extra Credit Assignment: Television - Commentary  So, how much television do you watch? Hmmm?
Bonus Extra Credit Assignment: Football - Commentary  So, how much do the football players actually play the game? Hmmm?
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  Moving by bike is part of the culture in Portland, Oregon

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 1:20 pm Lecture 1 Audio - 25 Sep    Consumerism
TueThur 1:20 pm Lecture 2 Audio - 27 Sep    Cars! Culture of Consumption Scandal #1

Chapter 7:
Selecting and
Financing Housing

Presentation
Study Guide
Assignment and Mortgage Exercises Worksheet - Assignment Commentary
   Mortgage Exercises Worksheet Commentary - Answer Key
Comparing Mortgages Assignment - Audio Commentary
Mortgages
Mortgage Amortization Table
Monthly Resets of Optional ARM Mortgages - Video - Video (CC) - Audio  Beware the Option ARM!
Mortgage Rates versus Points - Video - Video (CC) - Audio  "Pay us now or pay us later!
Example HUD Final Settlement Document

Presentation: How much is your home worth? - Video - Video (CC) - Audio
   Maybe finally it is getter close to what 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 1:20 pm Lecture 1 Audio - 3 Oct    Mortgage Calculations, Housing, Renting versus Owning, Home Buying Process
TueThur 1:20 pm Lecture 2 Audio - 5 Oct    Home Buying Process (finished), 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 - 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 1:20 pm Lecture 1 Audio - 12 Oct    Intro to Insurance, Homeowner's & Renter's Insurance, Begin Auto Insurance
TueThur 1:20 pm Lecture 2 Audio - 17 Oct    Finish 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
The Drugs I Need!  Funny!

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 body 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 your 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 1:20 pm Lecture 1 Audio - 17 Oct    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 1:20 pm Lecture 1 Audio - 19 Oct    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
  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
Bond Fund of America Website

Bond Quotes
Municipal Bond Quotes - Commentary: Video - Video (CC) - Audio   Los Angeles Times, 7 July 2016
Ford:
Mar 09 - Oct 09 - Jun 10 - Oct 10 - Mar 13 - Oct 14 - Oct 17
  Presentation:
Video - Video (CC) - Audio
Poway: Feb 09 - Jun 10 - Oct 10 - Mar 11 - Oct 11 - Mar 12 - Oct 12 - Mar 15 - Oct 17
  Presentation: Video - Video (CC) - Audio

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!

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 1:20 pm Lecture 1 Audio - 24 Oct    Introduction to Investments, Introduction to Bonds, Taxable-equivalent yield calculation
TueThur 1:20 pm Lecture 2 Audio - 26 Oct    Overview of Investment Alternatives; 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
Growth Fund of America Website

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 to the usual high standards of Google buy hey!, it's better than the new Yahoo Finance. Uh, anything is 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 then died in December 2016.
MarketWatch   Wall Street Journal's free web site
Bloomberg Finance  Very popular with professionals. Many pay for their subscription service.
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
Even Hollywood actresses can get in on the (illegal) action

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. Please 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.)
Optionetics -- Uh, oh! No more classes!   Optionetics was bought by Tom's Trading Room.

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 1:20 pm Lecture 1 Audio - 2 Nov    Introduction to Stocks; Stock Types
TueThur 1:20 pm Lecture 2 Audio - 7 Nov    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)

Mutual Fund Research: Video - Video (CC) - Audio

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 2 - Slides 9 to 15    Types of Mutual Funds, The Spectrum of Risk versus Return
Chapter 13 - Lecture 3 - 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 1:20 pm Lecture 1 Audio - 9 Nov    Intro to Mutual Funds; Fees, Fees, Fees!; Types of Mutual Funds
TueThur 1:20 pm Lecture 2 Audio - 14 Nov    Fund Families; How to Pick a Mutual Fund; A Sample 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 1:20 pm Lecture 1 Audio - 16 Nov

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 (Stocks and Bonds) 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
How Does Household Debt Affect Retirement?

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

Text Book

Here are links to venders who sell or rent our text book: "Focus on Personal Finance"
The text book is also available at the college book store as well as numerous other outlets.
It should also be available as an on-line text book.
You can use any of the editions below. They are all basically the same. Required assignments are on this class web site
Only optional and recommended assignments are taken from the book. You can find similar assignments in any of the editions.
DISCLAIMER: I receive NO COMMISSION, KICKBACK, REMUNERATION, ETC. from any of these venders.
Do not complain to me if they turn out to be superflakes (or worse) who lose your order twice (or try to rip you off).
Personally, I am very wary of buying products via the Internet and I very rarely do so. Good Luck!
Focus on Personal Finance -- 5th Edition
Amazon: http://www.amazon.com/Personal-Finance-Mcgraw-Hill-Series-Insurance/dp/0077861744/ref=dp_ob_title_bk
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance-An-Active-Approach-to-Help-You-Achieve-Financial-Literacy-by-Robert-J-Hughes-Jack-R-Kapoor-Melissa-M-Hart-and-Les-R-Dlabay-2015-Paperback/206597696&tg=info
Chegg.com: http://www.chegg.com/etextbooks/focus-on-personal-finance-5th-edition-9781259355240-1259355241?trackid=7abab35c&strackid=6c68188d&ii=5
Focus on Personal Finance -- 4th Edition
Amazon: http://www.amazon.com/Focus-Personal-Finance-Successful-McGraw-Hill/dp/0078034787/ref=sr_1_1?s=books&ie=UTF8&qid=1462473020&sr=1-1&keywords=Focus+on+Personal+Finance+4th
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance-An-Active-Approach-to-Help-You-Develop-Successful-Financial-Skills-by-Jack-Kapoor-Robert-J-Hughes-and-Les-Dlabay-2012-Paperback/143664068&tg=info
Chegg.com: http://www.chegg.com/textbooks/focus-on-personal-finance-4th-edition-9780078034787-0078034787?trackid=73073f53&strackid=6c68188d&ii=1
Focus on Personal Finance -- 3rd Edition
Amazon: http://www.amazon.com/Personal-Finance-Kapoor-Dlabay-Paperback/dp/B009O3FZ5Y/ref=sr_1_1?s=books&ie=UTF8&qid=1462473106&sr=1-1&keywords=Focus+on+Personal+Finance+3rd
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance-by-Jack-Kapoor-Robert-J-Hughes-and-Les-Dlabay-2009-Paperback/103083266&tg=info
Chegg.com: http://www.chegg.com/textbooks/focus-on-personal-finance-3rd-edition-9780073382425-0073382426?trackid=2fb37bd6&strackid=6c68188d&ii=11
Focus on Personal Finance -- 2nd Edition
Amazon: http://www.amazon.com/Personal-Finance-Mcgraw-Hill-Insurance-Estate/dp/0073530638/ref=pd_bbs_sr_1?ie=UTF8&s=books&qid=1216955819&sr=8-1
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance_W0QQprZ60710344QQtgZinfo
Chegg.com: http://www.chegg.com/textbooks/focus-on-personal-finance-2nd-edition-9780073530635-0073530638?trackid=d9j3HAJh&ii=1&om_ss=1

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