Your Financial Statements and Plans
A balance sheet shows your financial condition as of the time the statement is prepared.
One could use statements from their various financial institutions to help complete a balance sh
Investing in Mutual Funds
Open-ended mutual funds are guaranteed, they can not lose value.
Investors select and purchase securities held within mutual funds
Exchange traded funds can create new shares to meet dem
Insuring Your Health
Millions of Americans are not covered by health insurance.
Health insuranceis considered to be one of the most complex insurance programs.
Health insurancecosts have been increasing at a rat
Planning for Retirement
Most people are too conservative when investing their retirement funds.
It really makes little difference whether you start retirement savings at age 25 or at age 45.
Starting to save ea
Insuring Your Life
The basic purpose of insurance is to protect you from the results of accidental losses.
Risk is uncertainty regarding economic loss.
Deciding to sell a motorcycle would be an example of risk a
Using Consumer Loans
Consumer loans are often used by individuals today.
Consumer loans are often used by individuals today to purchase food, clothing, and entertainment.
Consumer loans, like open account credit
Investing is considered a short-term activity that involves the buying and selling of securities.
Investing requires a fairly large some such as $5,000 to get started.
Investing and speculat
Using credit is the ideal way to provide for financial emergencies.
Saving is the preferred way to provide for financial emergencies.
The heaviest users of consumer debt are college students.
Making Automobile and Housing Decisions
An automobile is a personal use asset for most buyers.
The greatest fixed cost involved with owning an automobile is usually the monthly loan payments.
The greatest fixed
Investing in Stocks and Bonds
Business risk considers the possibility that the firm may fail.
Changes in the value of securities due to social, political, or economic factors are referred to as market risk.
Protecting Your Property
Property insurance is meant to protect property owners from two basic types of exposures, physical loss of
property and loss through depreciation.
A peril is a cause of loss.
FIN 334-section 002
May 05, 2017
1.0 Introduction and Overview of Project
2.0 Evaluation of Portfolio Performance
Table 1: Comparison of descriptive statistics of My Portfolio to the Passive Portfolio for
the ten-week per
Meltdown is a four part documentary that divulges itself into the real estate bubble that
crippled the financial industry. The irony behind it all is that the financial industry was primarily
to blame for collapse of the wo
Final Reflection Essay
The final reflection should be written in professional, essay format. This assignment should help you connect all of the
experiences from the course to your past and future professional development goals.
Identify at least 3 ac
Internship Goal Setting Worksheet
Business 442/492: Business Internship
To optimize your internship experience, it is important to take an active role in your learning and to have specific goals.
Please use this form to outline your 3-5 internship goals.
Total Direct Costs
Estimated Interest Carry
Total Loan Amount
Total Development Costs
Total Equity Requirements
Operating Period Cash Flows
Economical Benefits of Sweatshops Speaker Notes
A. Attention: Nhep Chanda is a 17-year-old girl who is one of hundreds of
Cambodians who toil all day, every day, picking through the dump for plastic
bags, metal cans and bits of food. The s
Managing Your Cash and Savings
A liquid financial asset can be quickly converted into cash, but there is often a large loss of value as a result of
the quick conversion to cash.
One could expect to earn a higher rate of i
Preserving Your Estate
The main objective of estate planning is to save attorneys fees.
Estate planning requires knowledge of wills trusts, and investments
A potential estate planning problem is improper distribu
Markowitz Modern Portfolio Theory
A portfolio should maximize return while minimizing risk.
The key to this is asset allocation.
From 1973 to 2013, the S&P 500 has lost money nine times for cumula
An Introduction to Financial
The History of Personal Financial
1960s- A few stock brokers and insurance salesmen.
1970s- The industry went from stock and insurance sales to comprehensive
financial plan helps achieve financial indepen
Life Insurance, Property and
Casual Insurance, Disability
Insurance, and Long-term
Types of Life Insurance
Two Main Categories- Temporary and Permanent
Purchased for a specific period of
I itemize or take the standard
After-tax return vs. tax-free return
How much taxes do I pay if I have a gain on
the sale of my home?
Income Tax Format
Income earners are taxed on an individual basis
Understanding What Estate Planning Is
Estate planning is analyzing and deciding on how
your assets are to be managed and apportioned to
others in the event of your death or disability.
The goal is to establish an estate structure that
The Financial Planning Process
Financial Planning Process
The financial planning process is implemented through the following decision
Establish and Define the Client-Planner Relationship
Gather information necessary to fulfill t
Familiarize Yourself with Retirement
People are living longer after they retire. The average retiree is expected to live
20 to 25 years after they retire.
Few companies offer pension plans these days, most retirem
Risk and Leverage
The higher the debt, the higher the households risk.
People who have too much debt are said to be
Operating risk arises from uncertainties in
connection with household activities.
Financial risk comes from the amo
Peer evals Thursday
Projects due Thursday
Final review Tuesday (extra credit; optional)
Reminder: Make-up exams/accommodations by Thursday
1. Overview of PA
2. The Appraiser
3. PA Techniques
4. What could go wrong
5. The meeting
6. Peer evals
Example of Behavioral
Tell me about a time when you
had to work closely with
someone whose personality
was very different from yours.
Back when I worked with
company X I was