Part 1: |
Syllabus: BUS-121-03 Face-to-Face Class Syllabus - Audio commentary will be created during Lecture 1 on Tuesday, January 29th You could also listen to the Audio Commentary for the Online Classes Syllabus. It is almost exactly the same. BUS-121-501 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. |
Chapter 1: |
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 (Online students only) - 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 10 11 12 Commentary Have fun! Say No To Tobacco New Hit Song Sweeping The Nation! Cool Video Check it out! Bonus Assignment / Extra Credit - Commentary Chapter 6 Bonus - Huh? It is for the Stupor Bowl. How to Submit Assignments (Online students only) - Commentary Attendance Formula (Face-to-face students only) 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. Please 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 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 29 Jan Welcome and Introduction: Personal Financial Planning TueThur 10:10 am Lecture 2 Audio - 31 Jan Goal Setting & the Time Value of Money TueThur 10:10 am Lecture 3 Audio - 5 Feb Financial Aspects of Career Planning - Chapter 2 presentation follows below |
Chapter 2: |
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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 5 Feb Money Management & Financial Statements |
Chapter 3: |
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 Free tax preparation for those with less than $54,000 taxable income 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 2018 IRS Form 1040 2018 IRS Form 1040 Schedule A Itemized Deductions: The Homeowner's Friend (Or at least it used to be) 2018 IRS Form 1040 Schedule 1 2018 IRS Form 1040 Schedule 2 2018 IRS Form 1040 Schedule 3 2018 IRS Form 1040 Schedule 4 (Obsolete) 2018 IRS Form 1040 Schedule 5 (Obsolete) 2018 IRS Form 1040 Schedule 6 (Obsolete) 2018 IRS Form 1040 Schedule EIC - Earned Income Credit 2018 Tax Tables 2018 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 33 A Typical Homeowner's Form 1040 Chapter 3 - Lecture 3 - Slides 34 to 51 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 33 A Typical Homeowner's Form 1040 Chapter 3 - Lecture 3 - Slides 34 to 51 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 33 A Typical Homeowner's Form 1040 Chapter 3 - Lecture 3 - Slides 34 to 51 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 33 A Typical Homeowner's Form 1040 Chapter 3 - Lecture 3 - Slides 34 to 51 Tax Resources, Audits, & Strategies Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 7 Feb Taxes & Financial Planning; How Much Does It Really Cost? Begin: A Typical Homeowner's Form 1040 TueThur 10:10 am Lecture 2 Audio - 12 Feb Finish: A Typical Homeowner's Form 1040 TueThur 10:10 am Lecture 3 Audio - 14 Feb Tax Resources and Audits, Tax Strategies, Second Tax Exercise, Review for Exam |
Part 2: Managing Your Personal Finances |
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Chapter 4: |
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 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 21 Feb Savings and Payment Services, Check Reconciliation |
Chapter 5: |
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? 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 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 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 26 Feb Introduction to Credit; Credit Cards and HELOCs; Credit Capacity TueThur 10:10 am Lecture 2 Audio - 28 Feb Credit Scores; Identity Theft; Credit Problems & Bankruptcy |
Part 3: Making Your Purchasing Decisions |
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Chapter 6: |
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? 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! 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 - Brochure AAA accompanying article about driving costs AAA updated article about 2018 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 7 Mar Consumerism TueThur 10:10 am Lecture 2 Audio - 12 Mar Cars! Culture of Consumption Scandal #1 |
Chapter 7: |
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 Presentation: Video - Video (CC) - Audio 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 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! How 'bout some good news for a change? 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 14 Mar Mortgage Calculations, Housing, Renting versus Owning, Home Buying Process TueThur 10:10 am Lecture 2 Audio - 19 Mar Home Buying Process (finished), Home Selling, Mortgage Calculations (review) |
Part 4: Insuring Your Resources |
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Chapter 8: |
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 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, 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 2 Apr Intro to Insurance, Homeowners & Renter's Insurance, Begin Auto Insurance TueThur 10:10 am Lecture 2 Audio - 4 Apr Finish Auto Insurance - Continue with chapter 9 below |
Chapter 9: |
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 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 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 4 Apr Health & Disability Income Insurance |
Chapter 10: |
Chapter 10 Materials Presentation Study Guide Assignment - Assignment Sheet - Audio Commentary Play The Longevity Game! You may have to enable Adobe Flash 2018 Life Insurers Fact Book, ACLI (American Council of Life Insurers) 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 - 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!" Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 9 Apr Life Insurance: "Buy Term & Invest the Difference!" |
Part 5: Investing Your Financial Resources |
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Chapter 11: |
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? 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 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 Presentation: Video - Video (CC) - Audio Annuities suck ... And you can tell the insurance cmopanies 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! Theres 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 11 Apr Introduction to Investments, Overview of Investments; Bond Calculations TueThur 10:10 am Lecture 2 Audio - 16 Apr Introduction to Bonds, Review Bond Calculations |
Chapter 12: |
Chapter 12 Materials Presentation Study Guide Assignment - Audio Commentary (See Researching Stocks below.) Stock Calculations Worksheet - Commentary - Answer Key Eighty-Four 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 Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 23 Apr Introduction to Stocks; Stock Indexes; Stock Illustrations TueThur 10:10 am Lecture 2 Audio - 25 Apr Stock Types; Other aspects of stock investing |
Chapter 13: |
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 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) 85 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 327 or so of Fidelity's over 500 mutual funds. Fidelity Funds and all the other funds that they offer through their web site Almost 11,000! Dodge and Cox Funds Performance T. Rowe Price Funds Franklin Templeton Funds Annual Reports and Prospectuses (Online lecture 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 10:10 am Lecture 1 Audio - 25 Apr Intro to Mutual Funds; Fees, Fees, Fees! TueThur 10:10 am Lecture 2 Audio - 30 Apr Types of Mutual Funds; Risk versus Return TueThur 10:10 am Lecture 3 Audio - 2 May Fund Families; How to Pick a Mutual Fund; A Sample Mutual Fund; Illustrations |
Lecture: |
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 32 Real Estate & Other Investment Alternatives Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Lecture Notes - Audio/Visual Lecture - Slides 1 to 32 Real Estate & Other Investment Alternatives Online Audio/Video Lectures on YouTube (Closed captioning available) Lecture Notes - Audio/Visual Lecture - Slides 1 to 32 Real Estate & Other Investment Alternatives Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Lecture Notes - Audio/Visual Lecture - Slides 1 to 32 Real Estate & Other Investment Alternatives Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 7 May |
Part 6: Controlling Your Financial Future |
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Chapter 14: |
Chapter 14 Materials Presentation Study Guide Bonus Assignment - Audio Commentary Hypothetical Illustrations Withdrawing money in retirement 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 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? It just became easier for employers to dump retirees' pensions Online Audio Lectures Chapter 14 - Lecture 1 - Slides 1 to 22 Retirement Planning; Retirement Accounts: 401(k)'s, Roth IRA, etc. Chapter 14 - Lecture 2 - Slides 23 to 36 The Baby Boomer Generation Retirement Time Bomb! Chapter 14 - Lecture 3 - Slides 37 to 62 Estate Planning; Dealing with a Windfall Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.) Chapter 14 - Lecture 1 - Slides 1 to 22 Retirement Planning; Retirement Accounts: 401(k)'s, Roth IRA, etc. Chapter 14 - Lecture 2 - Slides 23 to 36 The Baby Boomer Generation Retirement Time Bomb! Chapter 14 - Lecture 3 - Slides 37 to 62 Estate Planning; Dealing with a Windfall Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 14 - Lecture 1 - Slides 1 to 22 Retirement Planning; Retirement Accounts: 401(k)'s, Roth IRA, etc. Chapter 14 - Lecture 2 - Slides 23 to 36 The Baby Boomer Generation Retirement Time Bomb! Chapter 14 - Lecture 3 - Slides 37 to 62 Estate Planning; Dealing with a Windfall Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available) Chapter 14 - Lecture 1 - Slides 1 to 22 Retirement Planning; Retirement Accounts: 401(k)'s, Roth IRA, etc. Chapter 14 - Lecture 2 - Slides 23 to 36 The Baby Boomer Generation Retirement Time Bomb! Chapter 14 - Lecture 3 - Slides 37 to 62 Estate Planning; Dealing with a Windfall Face-to-face Audio Lectures TueThur 10:10 am Lecture 1 Audio - 9 May Retirement Planning, The Baby Boom Retirement Time Bomb TueThur 10:10 am Lecture 2 Audio - 14 May Estate Planning Baffle the Broker - 16 May Last day of class! In the few minutes, we discuss the final exam. |