Welcome to BUS-121
Financial Planning & Money Management
Fall 2020

Southwestern Community College
Instructor: Frank Paiano


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Getting Started with Google Drive and Docs

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Announcements and class material begin below. Keep scrolling.



We Voted this November 3rd!
And America Can Be Proud Again!


A name that will live in infamy   Lock him up! Lock him up! Lock him up!
Republicans for the Rule of Law   Finally, the Republican Party is coming to grips with this monster
The Lincoln Project   Awesome advertisements designed to show that there are countless Reponsible Republicans
Republican Voters Against Trump   More Reponsible Republicans!
Meidas Touch   Three brothers on a mission!

"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 used during Fascism in the 1930's and 1940's.


  *** Text Book Information at the Bottom of the Page ***  

Yes, yes, I know. This web page looks intimidating. "All those links!"
Relax. Much of it is duplicated. (In the case of the presentations, quaduplicated!)
Just get started and remember to work on the class material an hour each day.

Psst! Listen to the syllabus commentary before you buy the book.
Do you really need the book? Hmmm?
(Hint, hint. Wink, wink. Nudge, nudge.)




Announcements

Announcements   (also available in Canvas)

Week #16 - Final Exam - Student Evaluation - Many Thanks to All of You! - Video - Video (CC) - Audio
    Due: Final Exam, Chapter 14 Assignment, Whatever else you have to submit! Turn it in!

Week #15 - Retirement and Estate Planning - Final Exam Next Week - Video - Video (CC) - Audio
    Due: Chapter 13 Assignment, Final Exam next week
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, Exam #4 next week
Week #12 - Starting Stocks and Mutual Funds! - Video - Video (CC) - Audio
    Due: Chapter 10 Assignment
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, Insurance Discussion Forum
Week #10 – Chapter 10 on Life Insurance – Chapter 11 on Investing - Exam #3 Next Week - Video - Video (CC) - Audio
    Due: Chapter 8 Assignment due this week, Insurance Discussion Forum and Exam #3 next week
Week #9 – After Exam #2 – Starting Insurance – Chapters 8 & 9 - Video - Video (CC) - Audio
    Due: Chapter 7 Assignment, Cars Discussion Forum
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
Week #7 – Chapter 6, Consumerism and Cars - Next Week is Chapter 7, Housing, and Exam #2 - Video - Video (CC) - Audio
    Due: Chapter 5 Assignment, Credit Cards Discussion Forum, Exam #2 next week
Week #6 – Chapter 5 - Credit! - Video - Video (CC) - Audio
    Due: Chapter 4 Assignment, Banks versus Credit Unions Discussion Forum
Week #5 – After the First Exam – Chapters 4 (Banking) and 5 (Credit!) - Video - Video (CC) - Audio
    Due: Chapter 3 Assignment, Financial Statements Discussion Forum
Week #4 – Finishing Chapter 3 on Taxes – Exam #1, Chapter 2 Assignment, and Marriage and Finance Forum - Video - Video (CC) - Audio
    Due: Exam #1, Chapter 2 Assignment, Marriage and Finance Discussion Forum
Week #3 - Taxes! - Chapter 1 and Savings 10% Discussion Forum Posts Due - Exam #1 Next Week - Video - Video (CC) - Audio
    Due: Chapter 1 Assignment, Saving 10% Discussion Forum, Exam 1 next week
Week #2 - Chapter 2 on Money Management and Financial Statements – Goal Setting Discussion Forums - Video - Video (CC) - Audio
    Due: Goal Setting Discussion Forum
Week #1 - Introduction and Welcome to BUS-121, Financial Planning & Money Management, for Fall 2020 - Video - Video (CC) - Audio
    Due: Please Introduce Yourself and "If I had a million dollars, I would ..." Discussion Forums
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
    Video - Video (CC) - Audio



Chapter Presentations, Handouts, and Assignments


Part 1:
Planning
Your
Personal
Finances


Syllabus:
BUS-121-502-503 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, it's what y'er lookin' at right now.
Zoom Room Virtual Office  We will have at least six this semester, typically Thursday nights from 7:00 pm to 7:50 pm.
   Dates:
     Thursday, August 27th
     Thursday, September 10th
     Thursday, September 17th
     Thursday, October 15th (coincide with exam #2)
     Thursday, November 5th (coincide with exam #3)
     Friday, November 27th (coincide with exam #4 - November 26th is Thanksgiving Day)

Chapter 1:
Personal
Financial
Planning
in Action


Chapter 1 Materials
Presentation  Every chapter has a presentation that can be read with PowerPointless, Open Office, Libre Office, or Google Docs
Study Guide - Video - Video CC) - Audio  Discussion of the chapter study guides and how to use Google Docs
Assignment - 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! (All these were done by your fellow students!)
Bonus Assignment / Extra Credit - Examples: 0 1 2 3 4 5 6 7 8 9 10 11 12 Commentary   Have fun!
   Say No To Tobacco    New Hit Song Sweeping The Nation!
   Cool Video    Check it out!

How to Submit Assignments - Commentary

Awesome Goal Setting Example and Great Quotes
Awesome goal setting example from the South Bay  14-year-old creates a goal and accomplishes it 10 years later
  And the community steps forward to help
Twelve great quotes about finance

Future Value Handouts and Tables  Future value problems will be on exam #1. Study these worksheets!
Future Value Worksheet - Commentary - Answer Key
Future Value Tables - (Need for future value calculations)
Future Value Practice 1 - Answer Key
Future Value Practice 2 - Answer Key

Marriage and Finance
Marriage and Finance
Ten Questions to Ask before Getting Married  Complete with beautiful models looking very happy

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 47    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 47    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 47    Financial Aspects of Career Planning

Online Audio/Video Lectures on iTunes
Scroll to individual presentations    (iTunes does not allow direct links to the presentations. Sorry.)

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 47    Financial Aspects of Career Planning

Chapter 2:
Money
Management
Strategy:
Financial
Statements
and
Budgeting


Chapter 2 Materials
Presentation
Study Guide
Assignment - Audio Commentary
Financial Statements Practice - Answer Key  Very similar to questions on exam #1
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

Just one simple change  Write down every transaction! It will lower your spending.
Why do American have such a hard time saving money?  We save far less than other developed countries. Why?

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

Chapter 3:
Taxes in
Your
Financial
Plan


Chapter 3 Materials
Presentation
Study Guide
Assignment - Audio Commentary
Supplemental Form 1040 Tax Assignment - Form 1040 - Schedule 1  (Similar to First and Second Income Tax Exercises below)
VITA - Volunteer Income Tax Assistance at Southwestern  Aye! Covid-19 killed this program in Spring 2020. Let's hope we will be back in Spring 2021! You can volunteer and get college credit!

After Tax Worksheet - Commentary - Answer Key  (Lecture #1)

Tax Returns
First Income Tax Exercise (Use with Lecture #2) - Schedule 1 (IRA & student loan deductions) - Schedule A (Itemized deductions)
Second Income Tax Exercise Instructions  (Similar to First Income Tax Exercise and Supplemental Form 1040 Assignment above)
   Form 1040 - Schedule 1 - Form 1040 Answer Key - Schedule 1 Answer Key

IRS Web Site and Forms
www.irs.gov  Please use IRS web site for your research questions
2019 IRS Form 1040
2019 IRS Form 1040 Schedule A  Itemized Deductions: The Homeowner's Friend (Or at least it used to be)
2019 IRS Form 1040 Schedule 1
2019 IRS Form 1040 Schedule 2
2019 IRS Form 1040 Schedule 3
2019 IRS Form 1040 Schedule EIC - Earned Income Credit
2019 Tax Tables
2019 IRS Form 1040 Instructions
Publication 17 - Espanol  Publication 17 is a very popular and thorough guide to most all tax returns

Tax Cuts of 2017
It's Even Worse than You Heard
The Rich Get Richer
Tax Cuts Benefit the Ultra Rich, Not the Merely Rich
How the tax cuts will affect you
It's Official: The Tax Cuts Were a Bust

The Mysterious Case of the 7 Million Missing Children

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 10    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 11 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 3 - Lecture 1 - Slides 1 to 10    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 11 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 3 - Lecture 1 - Slides 1 to 10    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 11 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 3 - Lecture 1 - Slides 1 to 10    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 11 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies


Part 2: Managing Your Personal Finances

Chapter 4:
Savings
and
Payment
Services


Chapter 4 Materials
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: Video - Video (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  Spreadsheets make check reconciliation much easier
CheckBook2: Expel - Google Docs  Demonstrates another method to reconcile practice problem #1
  Presentation: Video - Video (CC) - Audio

Being Poor Ain't Cheap
It is expensive being poor and "unbanked"  This family shows you why
As explained by the author of Nickel and Dimed: One (Not) Getting By in America
Why it costs so much to be poor
Why 56 million Americans have no bank account  Some research that shows for the poor, banks are more expensive than loan-until-payday outlets
American Can't Fix Poverty Until It Stops Hating Poor People  From the American Enterprise Institute, a conservative think tank
Poverty really is the result of a state of mind ... among rich people
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

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


Chapter 5 Materials
Presentation
Study Guide
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 - Video - Video (CC) - Audio
Credit Solicitation Images - Video - Video (CC) - Audio
The rewards (and pitfalls) of being a Loyal, Obedient Member of the Benevolent Machine
Credit Card Marketed to Students  Free Cell Phone Insurance! Yippee!
Here's what happens when you miss a credit card payment  Plus why do many people miss their credit card payments? "Uh, I forgot."
Just one simple change  and it lowered my spending.
Paying With Cash Helps You Save  It Also Can Give You More Joy.

WalletHub.com asked me to answer some questions about credit cards and they published the answers
Yours Truly is an Expert?   Scroll down past the credit card advertisements to see my responses.

Tales from the Credit Card House of Horrors - Commentary
Husband got secret credit cards and maxed them out   What's the most important financial decision you will ever make?
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?
Yes, Credit Cards Are Making You a Bad Person
The Dark Side of Debt Collection   Aye! This is some really scary stuff!
$36 worth of Girl Scout Cookies!?   A debt collector goes after someone for $36 worth of cookies he did not buy

A High Credit Score is a Predictor of What?!   Couples with higher credit scores report healthier and happier relationships
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 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


Part 3: Making Your Purchasing Decisions

Chapter 6:
Consumer
Purchasing
Strategies
and
Wise
Buying
of
Motor
Vehicles


Chapter 6 Materials
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
America's Light Bulb Revolution

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!
Portland Bike Move  Moving by bike is part of the culture in Portland, Oregon

Cars
Car Ownership Costs - Commentary - Answer Key
AAA Your Driving Costs - Brochure
AAA accompanying article about driving costs
Five car loan mistakes that can cost you money
Our Addiction - Our Neverending Thirst
What determines gas prices?
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

Chapter 7:
Selecting
and
Financing
Housing


Chapter 7 Materials
Presentation
Study Guide
Assignment - Comparing Mortgages Assignment - Audio Commentary   Please review Mortgage Exercises Worksheet below
Mortgage Exercises Worksheet - Mortgage Exercises Answer Key

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

How much is your home worth?
Presentation: Video - Video (CC) - Audio
   Maybe finally it is getter close to what it was worth 10 years ago! Or maybe not.
Zillow - Trulia - Redfin

Reverse Mortgages -- Buyer Beware!
Some reverse mortgages are pushing some seniors out of their homes
A reserve mortgage / shared appreciation solicitation - Commentary   If it sounds too good to be true ...
Barron's take on reverse mortgages
Consumer Reports ain't too happy with reverse mortgages, either!

The Great Recession and Housing
Million-Dollar Mega-Flop  One of the worst examples of the bursting of the housing bubble
HOA Horror Story    One of many, by the way.
A Landlord's Horror Story    One of many, by the way.
Very strange solicitation    They will buy your house ... for $100,000 or $200,000 less than it is worth!

The good news started to trickle in during 2016
Foreclosure activity continues to dwindle  But this was written in 2016. What is happening now?

Property Manager Steals Rent Money  Make sure you receive a receipt for your rent payment every month!
How to outsmart Private Mortgage Insurance  According to Investopedia

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


Part 4: Insuring Your Resources

Chapter 8:
Home and
Automobile
Insurance


Chapter 8 Materials
Presentation
Study Guide
Assignment - Assignment Sheet - Audio Commentary
How an Umbrella Liability Policy Works - View/listen to first presentation for commentary
Homeowners & Automobile Insurance Liability Worksheet - Answer Key - Listen to presentations for commentaries (slides 19, 20, 21, 28, 29, 30, 31)

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? Is it worth it? (Ah, no. Just another way to soak credit card users.)

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, Homeowners & 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, Homeowners & 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, Homeowners & 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, Homeowners & Renter's Insurance
Chapter 8 - Lecture 2 - Slides 24 to 44    Auto Insurance

Chapter 9:
Health
and
Disability
Income
Insurance


Chapter 9 Materials
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
19.7% of GDP by 2028? Not funny.
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!

NutritionFacts.org   The absolute best website for information on diet and health! (There are dozens of good sites and hundreds of horrible sites. Careful!)

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
Some good news: Soda consumption continues to decline in the United States

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
2015: The Affordable Care Act was 5 years old and Americans were 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

Chapter 10:
Financial
Planning
with
Life
Insurance


Chapter 10 Materials
Presentation
Study Guide
Assignment - Assignment Sheet - Audio Commentary
Play The Longevity Game!   You may have to enable Adobe Flash
2019 Life Insurers Fact Book, ACLI (American Council of Life Insurers)   The 2020 Fact Book with 2019 data will come out in late October 2020 -- very soon.

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 Life versus Universal Life (One type of Whole Life)
  LifeInsure.com  This company still allows you to get a quote without giving your contact info
Whole Life Policy Illustration - Video - 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?  Only if you die on public transportation. Any other accident is $30,000. Really not smart. Really 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!"


Part 5: Investing Your Financial Resources

Chapter 11:
Investing
Basics
and
Evaluating
Bonds


Chapter 11 Materials
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 - Apr 19 - Apr 20 - Oct 20
  Presentation: Video - Video (CC) - Audio
Poway: Feb 09 - Jun 10 - Oct 10 - Mar 11 - Oct 11 - Mar 12 - Oct 12 - Mar 15 - Oct 17 - Apr 19 - Apr 20 - Oct 20
  Presentation: Video - Video (CC) - Audio

Examples of Account Types
Regular and Roth IRA Account - Roth IRA Account Only - Video - Video (CC) - Audio

Annuities suck ...  And you can tell the insurance companies that I said that ...
What is an Annuity  Investopedia's lame definition of annuities (without all the downsides)
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

Someone told you 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

Chapter 12:
Investing
in
Stocks


Chapter 12 Materials
Presentation
Study Guide
Assignment - Audio Commentary  (See Researching Stocks below.)
Stock Calculations Worksheet - Commentary - Answer Key
Eighty-Six 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:
Using Yahoo Finance to research Ford and other stocks: Video - Video (CC) - Audio
  (Use for problems #8 and #9 in chapter 12 assignment. Also see how Ford's stock price was destroyed in the Great Recession.)
Yahoo Finance   Yahoo Finance died on 15 July 2016. The new version is awful.
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!
Google Finance   Not up to the usual high standards of Google.

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
Yahoo! Advertisement for AwesomePennyStocks.com
  Another AwesomePennyStocks "Penny Stocks Made Me Rich!"
  The same people who are doing the recommending to you are the same scam artists who are selling the bogus stocks to you!
  They "pump" up the price and then "dump" all the shares! It is a very old scam.

  AwesomePennyStocks.com shuts down after SEC/FBI probe
  Sigh. These scams will never end as long as people are greedy and stupid.

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.
   You can investigate Your Humble Instructor! Just type "paiano" into the first text box.


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.)
These folks charge $5,995. They must be pretty good, eh?   PDF for when they disappear. Hey, maybe you can ask for this discount they used to offer!
Optionetics -- Ooops! Optionetics was bought by Tom's Trading Room.   And he won't tell you how much until you give him your name and email address.

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

Chapter 13:
Investing
in
Mutual
Funds


Chapter 13 Materials
Presentation
Study Guide
Assignment - Audio Commentary
Mutual Fund Types Scramble Sheet    (Have a copy printed for online lecture 2)
Investor.gov: What Are Mutual Funds    The Federal government explains mutual funds.

Mutual Fund Research
Presentation: Video - Video (CC) - Audio
   Google Finance    Good for finding the mutual fund ticker symbol. Careful! Don't sign up for $10 or $30 or $50 per month!
   Morningstar    Careful! Don't sign up for $10 or $30 or $50 per month!
   Yahoo Finance    Used to be a great website. Now it is awful but it still gives some decent information.
   Lipper Research    Was around before Morningstar but is not as popular.

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)
86 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    Shows over 3,000 funds. Clear the [No Transaction Fee Only] check box and you will see almost 10,000 funds!
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 a 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 16 to 24    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 16 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

Lecture:
Real
Estate
and
Other
Investment
Alternatives


Real Estate and Other Investment Alternatives Materials
Presentation
Study Guide (No Assignment)
Worksheet - Answer Key  (Please see slides 12 & 13 in presentation for answer key commentary.)

Real Estate
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!

Starting a Business - The Ultimate Investment
SCORE - Service Corp of Retired Executives
Accion San Diego
San Diego Small Business Development Center
CEO of Burger King explains the 3 problems that can hinder a business

Bitcoin and other Cryptocurrencies
"The Greatest Scam in History"  One of the co-founders of Paypal is not impressed

Online Audio Lectures
Lecture Notes - Audio Lecture - Slides 1 to 34    Real Estate & Other Investment Alternatives

Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Lecture Notes - Audio/Visual Lecture - Slides 1 to 34    Real Estate & Other Investment Alternatives

Online Audio/Video Lectures on YouTube (Closed captioning available)
Lecture Notes - Audio/Visual Lecture - Slides 1 to 34    Real Estate & Other Investment Alternatives

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Lecture Notes - Audio/Visual Lecture - Slides 1 to 34    Real Estate & Other Investment Alternatives


Part 6: Controlling Your Financial Future

Chapter 14:
Retirement
and
Estate
Planning


Chapter 14 Materials
Presentation
Study Guide
Bonus Assignment - Audio Commentary

Hypothetical Illustrations Withdrawing money in retirement: The Distribution Phase
Bond Fund Retirement Portfolio  $500,000 Retirement Savings: Withdraw 5% per year, increasing withdrawals 3% each year
Balanced (Stocks and Bonds) Fund Retirement Portfolio  $500,000 Retirement Savings: Withdraw 5% per year, increasing withdrawals 3% each year
Annuity Retirement - Lifetime Guarantee  $500,000 Traditional Fixed Annuity: Withdrawals remain constant for the rest of your life
  Presentation: Video - Video (CC) - Audio

Guide to Drawing Down Your Savings in Retirement Tom Petruno, formerly of the LA Times (Excellent writer)
Strategies for Navigating the 401(k) Jungle
How to push for better investgments options in your 401(k) plan
The five biggest lies about entitlement programs
Good news and bad news
How does household debt affect retirement?
It just became easier for employers to dump retirees' pensions
Tom Petruno leaves some parting thoughts

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 65    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 65    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 65    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 65    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
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
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
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
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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