z Personal Finance

Someone will manage your money.  It might as well be you!

2018 Personal Finance

Needs vs. Wants

Pay Yourself First: 

Dave Ramsey:  https://www.daveramsey.com/

Clark Howard:  http://clark.com/

Suze Orman:  https://www.suzeorman.com/

old files from 2012 course work

Final Exam: Part 1 on Wednesday, May 16

    Chapters 14, 15, 16, and 17 --- essays and short answers

Final Exam: Part 2 on Thursday, May 17

    All second semester topics are possible.

    List the major themes that spread across the top of several chapters and topics.

    When assigned several of the themes; specifically attach each theme to several chapters. 

Stock Market Game:  http://www.marketwatch.com/game/crusader-pf8-investments

All students need to be active by March 8.

Market Watch Game:

May 1 update: Game Two has been established

1. Game Two runs from May 1 to May 10.

2. $100,000 start

3. Enter the game with a new strategy?  same strategy with current prices?

April 27 update:  

1. What has been your strategy?

2. What has worked well?

3. How many changes did you make?  at what cost?

4. If you could start again, what would you do different?

5. Did you panic at any point?

6. Did you stay on the path that you selected at the beginning?

Chapter 17: Retirement Topics

0. Each student should view the --->   Download on 5/15 at 5 pm

1. Life Insurance but it does have [might have] retirement impact  


2. Social Security:  http://kiplinger.com/slideshow/10-Things-You-Must-Know-About-Social-Security/1.html#top

3. Retirement:  Suze Orman --- http://www.youtube.com/watch?v=Yguq-L6ArvA&feature=related

4. Retirement Calculator: USA TODAY http://www.bankrate.com/calculators/retirement/retirement-plan-calculator.aspx

5. Retirement Article: CNN MONEY  http://money.cnn.com/2012/05/10/retirement/saving-retire/index.htm?iid=H_PF_News

6. Advance Directives:  http://www.dhs.wisconsin.gov/forms/AdvDirectives/ADFormsPOA.htm

7. Will OR Living Trust [You Tube] :  http://www.youtube.com/watch?v=M2ZtgbS393U&feature=relmfu

Chapter 16: introduction began on 4/24 

0. Each student should view the --->    Download on 4/29 at 7 am

   Each student should do the work for sections 16-1, 16-2, 16-3, and 16-4.

   Each student should view the first video for 4/25

1. Health Insurance 101 [YouTube]:  http://www.youtube.com/watch?v=wi5a7kjDzh4

2. Life Insurance 101 [YouTube]: http://www.youtube.com/watch?v=3PkPGH8uiT4

3. Life Insurance [Death Insurance]:  http://www.lifehappens.org/what-are-the-different-types-of-life-insurance/

4. After reading the text and viewing the three items above, do the following.  Each student was given a Worksheet on 4/27.  Half of the back page was done in class on the 27th.  The remainder of the work is to be done for Monday, April 30.  

5. Watch the Video:  "Five Ways that Education Pays"   http://www.youtube.com/watch?v=spNDLD2KRuA

Chapter 15:  for the chapter  Download  on 4/24 at 8 pm

Home Owners Insurance 101 [You Tube]:  http://www.youtube.com/watch?v=GQ1MH7iCQrE&feature=relmfu

Car Insurance 101 [YouTube]:  http://www.youtube.com/watch?v=mhH7CNHWlqo

              This clip is a 7+minute summary of Chapter 15.

15-3--- 1-6 all

Homework given on 4/12:

Scan the following .pdf  pages.

State of Wisconsin --- Office of Commissioner of Insurance: http://oci.wi.gov/pub_list/pi-015.pdf

      1.  See the chart on page 12; What is the difference between HO-2 broad and HO-3 Special?

      2.  From that same chart, discuss the thinking behind HO-8.

      3.  See Example #1 on page 22 and 23.  Which location is most similar to your own setting?  Which two or three insurance quotes would be at the top of your list?  

      4.  Fill in the top half of page 21 --- this is the quote form for shopping for insurance. 

15-2--- 1, 3, 4, 5, 6 

15-1--- pg.507: 1-5 all

             pg.511: 2, 3, 4, 5, 6

Home or Rent Insurance:  BOTH have personal property coverage

Home Insurance:  Structure, Temp. housing, Liability, and more.....

Car Insurance: Pay Less  http://www.clarkhoward.com/videos/clarkhoward/cars/paying-less-car-insurance/vLF/

Shop Around:  http://www.clarkhoward.com/videos/clark-howard/insurance/get-the-best-auto-insurance-rate/vCc/

Traffic Ticket?  http://www.clarkhoward.com/videos/clark-howard/insurance/traffic-tickets-effect-your-insurance-rate/vWzs/

Tax Simulations:  http://www.irs.gov/app/understandingTaxes/student/simulations.jsp

Tax Reform? [ March 27 article]:  http://money.cnn.com/2012/03/27/pf/taxes/tax-reform/index.htm?iid=HP_River

State Taxes on Retirees:  http://i.mktw.net/_newsimages/pdf/state-taxation-retirement-income-table.pdf

State Taxes on Income:  http://i.mktw.net/_newsimages/pdf/MultistatPersonalIncomeTax.pdf

State Taxes on Income and Autos:  http://i.mktw.net/_newsimages/pdf/StateTaxSmartChart.pdf

Adjust Tax Withholding???:   http://www.dailyfinance.com/2012/03/19/the-real-reason-to-adjust-your-tax-withholding/

Ongoing thoughts...

MSN Money:  You should start saving now!    http://money.msn.com/gen-x/why-you-should-start-saving-now-investopedia.aspx

Chapter 14: Taxes

IRS website [all forms]:  http://www.irs.gov/formspubs/index.html

Instructions for 1040EZ form:   http://www.irs.gov/pub/irs-pdf/i1040ez.pdf

Chapter 12: Bonds and Mutual Funds

1. Friday, March 9:  ESSAYS on the Chapter Test

See the complete list in Room 106.  The list might change.

You are a professional giving advice to a client [yourself]:

Your client might be ___ years old.

Your client might be single or married with kids.

Your client might be conservative or a risk-taker in financial matters.  

You might be asked to give support for or speak against these times:

    specific stock

    specific bond

    mutual funds (stocks)

    mutual funds (bonds)

2. Create a Marketing Piece for your own Mutual Fund: one page, 8.5 by 11 inches

   How will you bring in the new customers?

   Risk level? 

   Are you modeling after a known index?

   Sector(s) that you will feature?


   Cost to enter?



   Your credentials? 

   Other ways to be unique?  ways to stand out in the crowd?

3. Get Conservative!!!   Diversify as if you are CLOSE TO RETIREMENT and/or LOW RISK

80% of your $20,000 invested into Bonds [x3 funds]

   Low risk; create sources of income

20% goes into non- tech companies [stocks] or mutual funds [x2 types]

Create a spread sheet to summarize


4. Chapter 12:  written homework 

HW 12-1: 6 and 8

HW 12-2: 5 and 7

HW 12-3: 4 and 7

HW 12-4: 5 and 7

Feb. 29:  View the following video clip  about company bonds

Note how they differ from company stock.

Buying Bonds:  http://www.khanacademy.org/video/introduction-to-bonds?topic=core-finance

Discussion Items: 

1. I want to do something good, but I do not want to lose money.

2. How does my portfolio change as I grow older?  approach retirement?  

3. How can I lose on bonds?    bond funds?

4. Generalization:  as stock values go UP, bond values go DOWN. 

Friday, February 24: 

1. Writing:  From the computer lab, compare contrast two of the three given bond funds.

2. Compound Interest :George, Frank, Lisa, Toni, Rebecca


Risk Tolerance Calculator:  http://www.kiplinger.com/tools/riskfind.html


Better Bond Investor:  http://www.kiplinger.com/slideshow/be-a-better-bond-investor/1.html

Investing Calculator: http://www.daveramsey.com/article/investing-calculator/lifeandmoney_investing/

Financing Life:  http://www.financinglife.org/

Common Sense Investing:  http://www.youtube.com/user/FinancingLife101?v=QYrYZrB34uc&feature=pyv&ad=8640594379&kw=investing%20bond%20funds

Chapter 11: The Stock Market

"enter at your own risk; prepare for a change"

Homework Guidelines:  Download on 2/15 at 3:30 pm

Feb 17: Report on Plan for the Rest of 2012 [via Two Articles] is due.  

Feb 16: Chapter 11 Test:  vocab, concepts, observations, stock selecting skills

Feb 15: Chapter 11 Review:

    Create the graphic to organize the topics to this point.  How does the mutual fund topic and stock market topic fit into your current picture?    into your current plan?  


2/15:  JSOnline [Milwaukee] takes us to Morningstar: there might be a direct link?


2/09:   Yahoo Finance: Time for a Sell-off?  http://finance.yahoo.com/blogs/breakout/time-prepare-market-sell-off-160829136.html;_ylt=Agjnk7Vf9yp8Oqvg3u1sp06iuYdG;_ylu=X3oDMTQzcHMybDlrBG1pdANGaW5hbmNlIEZQIEp1bWJvdHJvbiBMaXRlBHBrZwM2NGNlMzFhYi04ZTQyLTM4OWMtOTkxOC1iMjU2Mjg4ZjdmZmUEcG9zAzEEc2VjA2p1bWJvdHJvbgR2ZXIDOGY1ZjVhYjAtNTQwYi0xMWUxLWJmZTctYjg2ZWUwYzY0ZDJh;_ylg=X3oDMTFvdnRqYzJoBGludGwDdXMEbGFuZwNlbi11cwRwc3RhaWQDBHBzdGNhdANob21lBHB0A3NlY3Rpb25zBHRlc3QD;_ylv=3

Goldman's Big Ideas for 2012:  http://money.cnn.com/video/markets/?iid=MKT_Sub

Moving Averages: 10 month?  12 month?  http://www.advisorperspectives.com/dshort/charts/timing/SP500-MMA.html?SP500-monthly-10MA-since-1995.gif

The following applies to several topics of ours:  mutual funds, stocks, bonds

Dave Ramsey: "How do I select a mutual fund?"  http://www.daveramsey.com/index.cfm?event=askdave/&intContentItemId=122444&autostart=true&ectid=1202mytmmobtdrsjanuary_7

Morningstar INSTANT XRAY vision:  http://portfolio.morningstar.com/NewPort/Free/InstantXRayDEntry.aspx?hnav=%20portinstantxray&dt=0.7055475

1. Because you are a nice person, you have just been given $10,000.  The only stipulation is that you must select a single stock and place a purchase order on it in the next 30 minutes.   

Chapter 10: Saving or Investing

January 25, 2012

This is a collection of articles and links that grab our attention.  

1. Dave Ramsey:   http://www.daveramsey.com/newsletters/online/edition/personal-finance-newsletter-january-2012?ectid=1201cnl_11#article1

2. Your life long spending habits are being shaped right now.  Can you manage you choices: needs vs. wants?

3. Do you have a written set of smart goals?  [simple, measurable, realistic costs , time frame, evaluated]  

4. Can you explain opportunity costs in your own words?   [evaluating options]

5. What questions do you have for 2012?  This is a study of history, current events, math, and problem solving.

6. Financial Literacy:    http://www.financiallitnow.org/index.shtml

7. AARP website help for teens and others:  http://lifetuner.org/invest/

8. Money People changing their minds?  http://manvsdebt.com/suze-orman-vs-dave-ramsey-should-your-financial-guru-be-changing-hisher-advice/

9. Kiplinger.com ---- Fund Finder --- http://www.kiplinger.com/tools/fundfinder/fundsearch.php

10. Vanguard Funds: [home page]: https://personal.vanguard.com/us/home

11. Vanguard Mutual Funds [data]: https://personal.vanguard.com/us/funds/vanguard/all?reset=true&mgmt=i

12. Money.CNN.com --- Top 70 Mutual Funds: http://money.cnn.com/magazines/moneymag/bestfunds/index.html

13. Morningstar.com:  http://www.morningstar.com/

14. CNN Money homepage [the world's largest?]:  http://money.cnn.com/


15. USA Today --- Money:  http://www.usatoday.com/money/index

16. Yahoo Fund Families listed [A to Z]:  http://biz.yahoo.com/p/fam/e-f.html

17. Morningstar Fund Families [lower left hand corner; scrolling window]: http://www.morningstar.com/Cover/Funds.aspx

18. Types of Mutual Funds [Yahoo]:  http://finance.yahoo.com/funds/types

19. Definitions: Large Cap, Mid Cap, and more   http://finance.yahoo.com/funds/types/article/100613/Large-Cap_and_Small-Cap_Funds_Explained

20. Name with many capital letters:  NYSE, NASDAQ, DJ30, DJIA, S&P500, and more

21. Kiplinger Fund Finder [second time in list]:  http://www.kiplinger.com/tools/fundfinder/fundsearch.php

22.  Dow Jones list [current]: http://finance.yahoo.com/q/cp?s=%5EDJI

23.  Mutual Funds--- What are they?:  http://www.youtube.com/watch?v=ky7GWCksyRg

24.  Kip 25 [Kiplinger's top 25 no-load mutual funds]:  http://www.kiplinger.com/investing/funds/kip25/tables/index.php


25.  Kip 25 [.pdf file] on 1/24:  Download on 1/24 at 11 am

26. The Mutual Fund Store:  "Why Should You Invest?" -http://www.mutualfundstore.com/Content/Watch/Default.aspx?id=69&title=Why%20should%20you%20invest?#.TyCrn5hvW20

27.  US News & World Report: 50 Best Funds ---   http://money.usnews.com/money/personal-finance/mutual-funds/articles/2011/06/01/50-best-funds-for-the-everyday-investor


Chapter 10:     Download on 1/24 at 8 pm

  slide one describes a searching process

  slide two has the chapter homework

  slides three and four show the mutual fund research for 1/23 and 1/24

  slide five describes the detailed printouts for two funds.

  slide six describes the Kip 25.

  slide seven outlines the Test for 1/26.

updated on 1/25 at 7:20 pm


DUE on November 7:  College Visits or College Rep. Meeting:  Homework Items for the semester ---  Attend and Report on 4 meetings with college reps when they visit LHS.  An alternative to this would be to make 2 college visits [on the traditional campus] and report on your visit.  In either case, a full set of specific details will be included in your report.    Details can be found at this download:  Download on 9/1 at 3 pm

College Rep Calendar at LHS:  http://www.lutheranhigh.com/guidance/College%20Rep%20Visits.pdf

Chapters 8 & 9: Credit and Mortgages

Review:  Download on 12/19/2011

Quiz [12/14]: Calculating Loans and Mortgages using the TVM Solver on the TI-83+

Quiz [12/16]: Short answers and essays from Chapters 8 and 9.    

Homework List for 12/14:

   Be able to operate the TVM Solver on the TI-83+:  car loan and mortgage

    page 233: 1, 2, 3

    page 249: 1, 2, 3

    page 258:  2

   READ page 267: be prepared for each of the H.O.T. problems [nothing required as of now]

   Go to page 275: see the chart

   Go to page 281: see the chart

   Go to page 301: see the chart

Many great ideas can be found at Mortgage calculator:  http://www.goodmortgage.com/Learn/Decisions/

Podcasts [variety of topics]:  The 12/12/2011 update centers on "Identity Theft Prevention" http://www.practicalmoneyskills.com/personalfinance/experts/practicalmoneymatters/radio/series.php

Loan Calculator:    http://www.mlcalc.com/

Credit Card:  Pay the Minimum? http://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx

Chapter 7: Banking

Vocab list in class:  Your top 5 items from Chapter list

Workbook intro  Download on 12/5 at 8 pm

Textbook Notes: Download on 12/5 at 8 pm

Credit Cartoon:  http://www.youtube.com/watch?v=83wtyEqD1fc

How to Get Credit:  http://www.youtube.com/watch?v=sEG4eTGUZos

Writing Piece for 12/6:

Read "Where to Stash Your Cash" Journal Article from Kiplingers, Jan 2012

Explore a current bank website information to know the local interest rates in the Sheboygan area.

Print out and attach a copy of the bank's current rate sheet. 

What valuable information can be obtained from the article and the local information?  

Should all investment money move to these accounts? 

Is this good information for your Freedom Fund?

Emergency Fund?  Write a summary paragraph.  

Video Clips: on 12/1 

How to use the checking account register:  http://www.youtube.com/watch?v=IUlQ_Bbsg44

Reconciliation [intro]:  http://www.youtube.com/watch?v=cPRMUwGO4dg&feature=related

Reconciliation with outstanding checks:  http://www.youtube.com/watch?v=acC67UxmLJk&feature=related

Chapter 6:  Consumer Purchasing and Protection 

Vocab Quiz on 11/23

Homework--- 6.1 and 6.2:  Download on 11/22 at 3 pm

"Buyer beware!"  

"What would Clark Howard do?"

"Read the fine print and ask questions with somebody you trust."

For Tuesday, Nov 15, 

    Video summary "Mind Over Money"  --- three key ideas from the video

    page 168:  #6 only --- three sentences for each of the products


1] setting goals; establish needs / wants    2] compare $$ and options     3] purchase [payment] options     4] operating and maintaining 


Extended Warranties:  http://www.youtube.com/watch?v=kc9W1eKk5R4

FTC- Federal Trade Commission:  http://www.ftc.gov/bcp/consumer.shtm

Consumer Protection [NOLO]:  http://www.nolo.com/legal-encyclopedia/consumer-protection

Kelly Blue Book [cars]:  www.kbb.com

Edmunds [cars]:  http://www.edmunds.com/

CNET [electronics]:   www.cnet.com

Consumer Reports:  [various]:  http://web.consumerreports.org/test/SEM/version5.htm?EXTKEY=SG72CR0&CMP=KNC-CROBRANDG&HBX_OU=50&HBX_PK=consumer_reports

Amazon reviews: http://www.amazon.com/

Kindle Fire vs. Nook:  http://www.usatoday.com/tech/columnist/edwardbaig/story/2011-11-15/barnes-noble-nook-amazon-kindle-fire-comparison/51224068/1

Chapter 5: Money Management

"Take care of your money or it will leave you."

HW: "Oh by the way, prepare for A CHANGE!" 

HW:  Create a DECEMBER Spending Plan [copy and paste; then balance the December plan] by 11/2 at 3 pm 

HW:  Personal NOVEMBER Spending Plan should be ready by 11/2 at 3 pm.  

HW:  Cash Flow Description [.pdf]:  Download on 10/26 at 8 pm

For CASH FLOW HW:  Excel Spending Plan:  http://www.mdmproofing.com/iym/products/spending-plan/

HW: Hand in section 5.2 on 10/27: 1-6 all

For the week beginning with 10/24:

Ch 5:  Download on 10/24 at 7 pm

For 10/25, make a simple list of your personal assets and liabilities.  

Chapter 4:  Career Searching or Job Searching?

Zig Ziglar:  "If you aim at nothing, you will hit it every time."

For the week beginning with 10/17:

TEST on Thursday, 10/20:  Chapter 4 [from Oct 5 to Oct 20]

Mentoring Hand-out: Three types of mentoring are introduced/discussed.  Take any two of them and apply them to the profession of your choice.  What mentoring aspects would you be looking for in the phases of your career?  Use the article for some of your insights.  Due on 10/20

Re-write A. Robbins video from a Christian perspective.    Due on 10/20

Read pages 101 to 113.  Do the questions on page 113: 1 to 9  due on 10/18

          questions added on in class: 10 to 15  

          page 113 help:  
Download on 10/19 at 3 pm


Be prepared for the vocabulary list in Chapter 4.  

Begin your cover letter for the career-starting interview [final draft]     due on 10/19

Bring your resume up to date:                                                         due on 10/19

In-class discussion: Over-Trained: Is this possible?  [no written answer required] 

Hand in on 10/14:

    1.Read pages 88 to 100:  answer the questions on page 100  

    2.Filling in the W-4 form

    3.Cover Letter Disasters

It's Your Money SPREADSHEET [free]:  http://mdmproofing.com/iym/products/cash-flow-budget/

D.Ramsey: Total Money Makeover: https://www.mytotalmoneymakeover.com/promotions/goal-tracker.html?ectid=1110cnlextra_10

Cover Letters:  http://www.career.vt.edu/JobSearchGuide/CoverLetterSamples.html

Cover Letter Disasters [RD]:  http://www.rd.com/slideshows/10-cover-letter-disasters-that-wont-get-you-an-interview/

Resume Templates and Guidelines:  http://www.resumetemplates.org/

Top Ten Websites for Financial Planning [an opinion]:   http://www.whatsmyscore.org/blog/?p=1083

What's My Score?:  http://www.whatsmyscore.org/

Practical Money Skills:  http://www.practicalmoneyskills.com/

Anthony Robbins: Clarity and Purpose: http://www.youtube.com/watch?v=_Af4QLc2vhs&feature=related

Review item found on 10/7:  [Time Value of Money]  http://www.practicalmoneyskills.com/personalfinance/experts/khanacademy/index.php#anchorTop


Chapter Three --- You and your plan

Chapter Three Test on Tuesday, Oct. 4.  

Section 1 notes:  Download on 10/3 at 3 pm

Section 2 notes: Download on 10/3 at 3 pm


On 9/30, viewing these video clips will supplement the text in Chapter Three.  These clips will help you respond to essay questions on the test.  

Clark Howard 1: Retire before age 50?   http://www.youtube.com/watch?v=MZx26puITOg

Saver or Investor?  

Howard 2:  http://www.youtube.com/watch?v=y5HHx0Z0eLY&feature=related

Ramsey 2:  "Financially Successful"   http://www.youtube.com/watch?v=b--HwXE3064


Ramsey 3: "This is America!"   http://www.youtube.com/watch?NR=1&v=b-pI0SD1JpI

HBR Blog Network: "Trust Is Disappearing!"     a handout in class  Read the article and elect three of more quotes form the piece.  State your agreement or disagreement with the author.  What other insights do you have from your Christian perspective?  


Zig Ziglar:  "If you aim at nothing, you will hit it every time."

a Wise Person: "If you do not know where you are going, any path will take you there."    


In class on 9/29, view the video clips below [Ramsay, Orman, Mayhem]:  


                            HAVE YOU EXPERIENCED FINANCIAL MAYHEM?  

           Write a sentence or two about disaster planning.

     Summarize Ramsey in five sentences.  Quotes?  Top Item?  Describe Ramsay with three descriptive words.

     Summarize Orman in five sentences.  Quotes?   Top Item?  Describe Orman with three descriptive words.

Dave Ramsey 1: "Setting Goals:  http://www.youtube.com/watch?v=VzfhKEMWuCY&feature=related

Suze Orman: "Can you afford your life?"  http://www.youtube.com/watch?v=_8ijhbKISdA

Mayhem:  Do you have a plan?  http://www.youtube.com/watch?v=V-DW9JBzyS8


Your BUDGET ---- Free Excel Spreadsheet:  http://www.youtube.com/watch?v=GgIgmr25oPc


Malaysia on page 80--- FPAM:  http://www.fpam.org.my/fpam/  

    Homework for 9/30:

    1. visit the FPAM website; find the FAQ list

    2. List the six steps of the FPAM Financial Planning Process

    3. Define Financial Planning and describe the role of the planner

    4. See page 80 in the text:  respond to questions 1 and 2

Department of Labor website:  Statistics --- http://www.bls.gov/

Article #4 for 10/4:  OCCUPATIONAL OUTLOOK:  Use the above site [www.bls.gov] to research three careers: personal banker, your choice #1, and your choice #2.  Compare and contrast your findings in a 2-page summary.  [turnitin.com]  ; see textbook page 64

    1.  outlook in five years?

    2.  possible changes?

    3.  things to consider?

"So you really don't have a plan!"   http://www.youtube.com/watch?v=Zbl_hzSiK8M

"The Crisis Hits Italy" video clip:  http://www.youtube.com/watch?v=EssovQP3hO4

Greek Austerity link:  http://money.cnn.com/video/news/2011/09/12/n_stiglitz_europe.cnnmoney/   posted 9/14

World Market link:  http://money.cnn.com/data/world_markets/asia/   posted 9/13

Article #3:  Start with the handout in class on Tuesday, 9/13: " Five Problems with Euronation".  Select one concept, nation, company or bank out of the article.  Created a one page summary from a legitimate news article covering the topic.  What can be learned from the article that you selected?  Submit your summary to Turnitin.com.  

Article #2:  Download on 9/7 at 3:15 pm

Article #2 for Thursday, 9/8:  Globalization--- Follow the handout in class to select a website for a global company and then analyze the website for specific characteristics.  Reflect on the rubric for assessing this article assignment.  

News Article on 9/7/2011:  Planning Major Cities [software]  http://www.fastcompany.com/1778514/open-source-program-released-to-redesigning-tomorrows-cities?partner=homepage_newsletter

News Article on 9/3 --- Solo Car by VW:  http://content.usatoday.com/communities/driveon/post/2011/09/volkswagen-vw-nils-solo-electric-car-concept/1

News Article on 9/3 --- Change Your Prices:  http://www.entrepreneur.com/article/220158?loc=interstitialskip

News Article on 9/2/2011 --- Justice Department says NO to Merger:  http://www.youtube.com/watch?v=fWVeOWeqWkw

News Article on 9/2/2011 --- Tablet at $700, Get One?  http://www.fastcompany.com/1777654/why-htc-700-jetstream-tablet-cant-compete-with-apple-ipad?partner=homepage_newsletter

News article on 9/1/2011 --- Buy a TV Show?   via Apple and iTunes?  http://www.fastcompany.com/1777373/apple-dumped-099-tv-show-rentals-so-it-can-change-television?partner=homepage_newsletter 

HW [page 25: 1-7 all] After reading Section 2 of Chapter 1, respond to these items for Friday, Sept. 2.


HW Economics Intro:             Good?      Bad?      T.B.D.?      Both?       for 8/23   Download on 8/24 at 8:20 pm





Article #1 for Friday, August 26:  Search the current media and news sources for an article that speaks to the topic of Economics.  Obtain a copy of the article.  Summarize the article [1/2 page].  React to the article from the stance of in favor, not in favor, or explain your lack of decision [1/2 page].  


Personal Finance - Semester 1

Textbook:  Personal Finance

by Kappor, Dlabay, and Hughes

Glencoe - McGraw Hill, 2012

--- units are subject to change ---

Economics Overview:  [current events and impact on us]  





Unit 1: Career Decisions

Careers and Outlooks for the future

Get the Job

Employee Issues

Keeping the Job

Unit 2: Money Management

On the job pay, benefits, and perks

Federal Income Tax

Budgets and Record Keeping

Banking Activities and Decisions

Unit 3: Financial Security


Investing: Stocks and Bonds

Investing: Mutual Funds

Real Estate

Retirement and Estate Planning

Unit 1
U.S. Bureau of Labor Occupation Outlook:      http://www.bls.gov/oco/
My Money. gov: http://www.mymoney.gov/
Jump Start Coalition:  http://jumpstart.org/
Personal Finance Literacy:   http://personalfinanceliteracy.com/
Sheboygan Press
Milwaukee Journal Sentinel