Principles of Money Management Logo

Welcome to BUS-121
Principles of Money Management
Spring 2023 - Eight-Week Session

Southwestern Community College
Instructor: Frank Paiano


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/docs

Getting Started with Google Drive and Docs

Note: 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 Rukeyser

Is 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.




First Exam

Exam #1
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

Announcements   (also available in Canvas)

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



Chapter Presentations, Handouts, and Assignments


Part 1:
Planning


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:
Personal
Financial
Planning


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:
Money
Management
Skills:
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 - 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:
Taxes and
Tax
Planning


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

Chapter 4:
Cash
Management:
Savings
and
Payment
Services


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:
Consumer
Credit


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

Chapter 6:
Consumer
Purchasing
Strategies


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:
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
   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

Chapter 8:
Home and
Auto
Insurance


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:
Health
and
Disability
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
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:
Life
Insurance


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!"

Back