Free-to-Read Textbook: Principals of Money Management Seriously! No cost! We mean it! Zero Textbook Cost! No dough! Nada! Zip! Zilch! Most all the documents are presented via Google Docs. You should be able to read the documents on any device. Very cool!You can use [File] [Download as] to download the documents into Word or OpenOffice format. Or you can use [File] [Make a copy] to make your own Google Docs file. (Please don't ask for [Edit] rights. Make your own copy and edit the copy.)If your device says that the document could not be read, try updating your mobile device Google Docs app or updating your PC, Mac, or Linux browser. The problem may also be that you are not connected to the Internet. Try again when you have Internet access.You, too, can use Google Docs. It is free and allows you to manipulate your documents on your desktop or laptop computer or your mobile device. Plus they will give you several gigabytes of free storage. Even more cool!Try it at http://www.google.com/docsGetting Started with Google Drive and DocsNote: You must download or make a copy of these documents in order to edit them. Please do not request [Edit] access as they are the originals and can only be edited by me.Announcements and class material begin below. Keep scrolling. |
"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 RukeyserIs the American republic built to withstand a malevolent president?Same arguments used during Fascism in the 1930's and 1940's. |
*** Principles of Money Management Free Text Book! No cost! Seriously! We mean it! ***Yes, yes, I know. This web page looks intimidating. "All those links!"Relax. Much of it is duplicated. (In the case of the presentations, triplicated!) Just get started and remember to work on the class material an hour each day. |
Exam #1 | ||
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BUS-121-503 | Online Classes | Exam #1: Chapters 1, 2, and 3 Chapter 1: Financial Planning in Actione Chapter 2: Money Management Strategy: Financial Statements and Budgeting Chapter 3: Taxes in Your Financial Plan Thursday, April 13th, to Sunday, April 16th |
Announcements (also available in Canvas) | |||
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Week #0 - Presemester Announcement For students enrolled on the roster of BUS-121, Principles of Money Management Week #0 - Presemester Announcement For students on the waiting list of BUS-121, Principles of Money Management Video - Audio |
Part 1: |
Syllabus: BUS-121-503 Online Classes Syllabus - Audio Commentary of Online Classes Syllabus - Long Format Long format in Canvas Your Humble Professor Introduces Himself Look for Video for the video lectures and commentaries. Your Humble Professor Introduces Himself with just audio - Look for Audio for the audio lectures and commentaries. A Guided Tour of the Class Web Site - Audio Uh, it's what y'er lookin' at right now. Office: 35-115 (Also 62A-104B but I spend more time in 35-115), Office hours on campus: From 10:10 am to 11:05 am (After Introduction to Investments class) There will be at least six office hours on campus. The office hours will generally be right after class but we can schedule one when it is convenient for you. Thursday, February 23rd, 10:10 to 11:00 am (coincide with exam #1) Thursday, March 23rd, 10:10 to 11:00 am (coincide with exam #2) Thursday, April 13th, 10:10 to 11:00 am (coincide with exam #3) Thursday, April 27th, 10:10 to 11:00 am (finishing bonds) Thursday, May 4th, 10:10 to 11:00 pm (coincide with exam #4) Thursday, May 18th, 10:10 to 11:00 am (coincide with final exam) Zoom Room Virtual Office Hours We will have at least six online Zoom office hours this semester, typically Thursday nights from 7:00 pm to 7:55 pm. Thursday, February 23rd, 7:00 to 7:55 pm (coincide with exam #1) Thursday, March 23rd, 7:00 to 7:55 pm (coincide with exam #2) Thursday, April 13th, 7:00 to 7:55 pm (coincide with exam #3) Thursday, April 27th, 7:00 to 7:55 pm (finishing bonds) Thursday, May 4th, 7:00 to 7:55 pm (coincide with exam #4) Thursday, May 18th, 7:00 to 7:55 pm (coincide with final exam) |
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 - 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 These calculations are easy once you have done them a few times. Future Value Tables - (Need for future value calculations) Future Value Practice 1 - Answer Key I'm serious! You have to know how to do these calculations! Future Value Practice 2 - Answer Key Don't ignore these! They will be on the first exam! Marriage and Finance Financial Implications of Marriage Marriage Killing Issues Ten Questions to Ask before Getting Married Complete with beautiful models looking very happy "Marriage is not a love affair; it is an ordeal" -- Joseph Campbell 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 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 |
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 - Audio Just one simple change Write down every transaction! It will lower your spending. Why do Americans have such a hard time saving money? It depends upon which Americans you are talking about. But are we Americans really that bad at savings? We are better than some other countries and worse than other. Online Audio Lectures Chapter 2 - Lecture 1 - Slides 1 to 14 Money Management & Financial Statements Online Audio/Video Lectures 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 |
Chapter 3: |
Chapter 3 Materials Presentation Study Guide Assignment - Audio Commentary Form 1040 Tax Assignment - Form 1040 - Schedule 1 (Similar to First and Second Income Tax Exercises below) VITA - Volunteer Income Tax Assistance at Southwestern Hurray! VITA is back for Spring 2013! You can volunteer and get college credit! Old press release about VITA at Southwestern After Tax Worksheet - Commentary - Answer Key (Lecture #1) Tax Returns The new IRS forms do not allow any text boxes to be added so we can't sign the forms. Sorry. 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 2022 IRS Form 1040 2022 IRS Form 1040 Schedule A Itemized Deductions: The Homeowner's Friend (Or at least it used to be) 2022 IRS Form 1040 Schedule 1 2022 IRS Form 1040 Schedule 2 2022 IRS Form 1040 Schedule 3 2022 IRS Form 1040 Schedule EIC - Earned Income Credit 2022 Tax Tables 2022 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 The Carried Interest Tax Loophole It pays to be rich. 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 and Tax 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, and Strategies Online Audio/Video Lectures Chapter 3 - Lecture 1 - Slides 1 to 10 Taxes and Tax 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, and Strategies Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 3 - Lecture 1 - Slides 1 to 10 Taxes and Tax 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, and Strategies |
Part 2: Managing |
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Chapter 4: |
Chapter 4 Materials Presentation Study Guide Assignment - Audio Commentary Reconciliation Assignment First part of the chapter 4 assignment 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 - Audio Reconciliation Practice Problem 2 - Check Register Answer Key - Reconciliation Answer Key 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 - 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: On (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 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 |
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 Card Solicitations - Video - Audio Credit Card Solicitation Images - Video - 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. Credit Card Debt is Not Only Bad for Your Finances It Also Hurts Your Health. 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 Here is BankRate.com's take on how long a debt collector can pursue old debt BankRate.com actually asked me to put this link here. They must think highly of Southwestern, eh? 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 Consumer Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 66 Credit Scores; Identity Theft; Credit Problems and Bankruptcy Online Audio/Video Lectures Chapter 5 - Lecture 1 - Slides 1 to 34 Consumer Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 66 Credit Scores; Identity Theft; Credit Problems and Bankruptcy Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 5 - Lecture 1 - Slides 1 to 34 Consumer Credit; Credit Cards and HELOCs; Credit Capacity Chapter 5 - Lecture 2 - Slides 35 to 66 Credit Scores; Identity Theft; Credit Problems and Bankruptcy |
Part 3: Purchasing |
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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 Wisdom of Calvin and Hobbes 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 2022 AAA: Annual cost of new car ownership crosses $10,000 mark Six 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! Texting and Driving How do you get young people to stop texting & driving? Make 'em do it to pass the driving exam! Take the pledge to not text and drive 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." MADD's Pledge to Not Drink and Drive 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 66 Cars! Culture of Consumption Scandal #1 Online Audio/Video Lectures Chapter 6 - Lecture 1 - Slides 1 to 44 Consumerism Chapter 6 - Lecture 2 - Slides 44 to 66 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 66 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 - Audio Mortgages Mortgage Amortization Table Monthly Resets of Optional ARM Mortgages - Video - Audio Beware the Option ARM! Mortgage Rates versus Points - Video - Audio "Pay us now or pay us later!" Example HUD Final Settlement Document How much is your home worth? Zillow - Trulia - Redfin Presentation: Video - Audio Researching home prices using Zillow 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! Nationstar screws yet another reverse mortgage customer They changed their name to Mr. Cooper. Does not seem to have changed their lack of ethics. 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 Foreclosures finally falling preciptiously after the 2008 calamity Will we see 2008 again in 2022/2023? 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 Chula Vista's Newest Apartment Comples Opens Would you want to live here? 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 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 |
Part 4: Risk Management |
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Chapter 8: |
Chapter 8 Materials Presentation Study Guide Assignment - Audio Commentary How an Umbrella Liability Policy Works - View/listen to first presentation for commentary Homeowners & Automobile Insurance Liability Worksheet - Answer Key - Watch/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 and Renters Insurance Chapter 8 - Lecture 2 - Slides 24 to 44 Auto Insurance Online Audio/Visual Lectures Chapter 8 - Lecture 1 - Slides 1 to 23 Intro to Insurance, Homeowners and Renters 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 and Renters Insurance Chapter 8 - Lecture 2 - Slides 24 to 44 Auto Insurance |
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 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!) Forks Over Knives Great plant-based recipes 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 2019 Statistics are sketchy but by 2019, Mexico had reduced their consumption but the U.S. had increased their consumption! Mexico drinks a whole lot of Coke! Mexico reduces soda consumption in just three years by labeling soda with "excessive sugar" 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 and Disability Income Insurance Online Audio/Visual Lectures Chapter 9 - Lecture 1 - Slides 1 to 21 Health and Disability Income Insurance Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 9 - Lecture 1 - Slides 1 to 21 Health and Disability Income Insurance |
Chapter 10: |
Chapter 10 Materials Presentation Study Guide Assignment Sheet - Audio Commentary Play The Longevity Game! How long will you live? 2022 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 - 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 - 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 34 Life Insurance: "Buy Term and Invest the Difference!" Online Audio/Visual Lectures Chapter 10 - Lecture 1 - Slides 1 to 34 Life Insurance: "Buy Term and Invest the Difference!" Online Audio/Video Lectures on YouTube (Closed captioning available) Chapter 10 - Lecture 1 - Slides 1 to 34 Life Insurance: "Buy Term and Invest the Difference!" |