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BUS FCS 136 Personal Finance
Section Numbers 30935, 30936
Catalog Description:

A study of the effective management of personal and family resources. Budgeting, buying of goods and services, banking, credit, taxation, investing, insurance, home ownership, estate planning, and consumer protection. CSU Closed Captioned

Instructor:

Humphrey, T.

Orientation Meeting (Orientation for this online class):

9:30am-11:00am
On Saturday, January 23rd
Room: B-24

Options for Viewing Video Lectures
  1. Cable Television: Cox Cable North – CH 16, Time Warner Cable North – CH 16, and AT&T U-verse CH – 99 See airtimes and specific channel info at: BUS 136 PDF (Right Click "Save as")
  2. Webcast online at:
    http://www.palomar.edu/pctv/pctvStream.wvx
    See the webcast and channel lineup at:
    http://www.palomar.edu/pctv/pctv/chanLineupSpring2010.shtml
  3. Watch lessons online by logging into Blackboard. See log-in instructions below.
  4. Checkout DVDs at the library on the main campus and Escondido Center, and at Mt. Carmel and Ramona education sites.
  5. For more information go to:
    http://www.palomar.edu/pctv/distLearn/broadcastgridSpring2010.shtml
Class Outline

Course materials are available the Friday prior to when classes begin. Access your course outline, assignments, handouts and announcements, as well as view video lessons in Blackboard. Log in Blackboard instructions:

USERNAME: STUDENT ID Number
PASSWORD: Palomar eServices Password

To log in go to: http://www.palomar.edu/blackboard/

Textbook and Other Required Materials:

Personal Finance, 8th Edition, Kapoor, Publisher McGraw Hill

Video Series Entitled:

Dollars and Sense

Video Lesson Descriptions:

1) Your Personal Financial Plan
Lesson 1 describes the six steps of the financial planning process and how to establish financial goals. It also emphasizes the importance of setting realistic financial goals.

2) Basic Economic Principles
Lesson 2 explains supply and demand, inflation, interest rates, and how all of these affect the average consumer.

3) Personal Career Strategies
Lesson 3 offers insight into career planning for both those just starting out and for workers considering career adjustments.

4) Money Management Strategies
Lesson 4 features the practical use of the time value of money tables. This lesson also introduces the two main types of financial statements; the balance sheet and the cash flow statement.

5) Planning Your Tax Strategy
Lesson 5 describes four types of taxes and the process of taxation, reporting, and the elements of a responsible tax strategy.

6) Banking Services of Financial Institutions
Lesson 6 details different financial service accounts used to manage money. Carmen Luna with Chase Manhattan Mortgage Corporation explains the difference between a savings account and a checking account.

7) Introduction to Consumer Credit
Lesson 7 introduces responsible use of credit, including credit cards, loans, and evaluation of interest rates.

8) Choosing Sources of Consumer Credit
Lesson 8 focuses on the two key rules concerning the use of credit: avoid using credit to buy non-essential items and avoid using credit when you can afford to pay cash.

9) Credit Problems
Lesson 9 identifies some important warning signs of potential credit problems. A credit counselor explains the Consumer Credit Counseling Service.

10) Legal Aspects of Protecting Your Wealth
Lesson 10 reviews the legal issues affecting consumers, including contracts, marriage, and bankruptcy.

11) Consumer Purchasing Strategies
Lesson 11 explains the concepts behind a research based purchasing strategy including preshopping activities, evaluation of alternatives, selection and purchase, and postpurchasing strategies.

12) Transportation Costs
Lesson 12 deals with personal transportation issues including leasing/buying, maintenance, and financing.

13) The Finances of Housing
Lesson 13 compares renting vs. owning, and discusses the home buying process. A mortgage loan officer explains what a mortgage is, describes various sources for obtaining a home loan, and compares different types of home loans.

14) Personal Risk and Insurance
Lesson 14 depicts the need for different types of insurance: personal liability insurance, disability insurance, and renters' insurance and defines key terminology.

15) Home, Auto, and Business Insurance
Lesson 15 illustrates how insurance can protect individuals from unforeseen events that have negative consequences.

16) Health and Disability Insurance
Lesson 16 provides an overview of health insurance, disability insurance, and long-term care insurance. The difference among HMOs, PPOs, and POS are examined.

17) Life Insurance
Lesson 17 explains choosing the appropriate type/amount of life insurance, and selecting an agent to assist you.

18) Fundamentals of Investing
Lesson 18 introduces investing, including selecting an advisor, asset allocation and risk analysis. A financial check-up is also illustrated in detail.

19) Investing in Stocks
Lesson 19 shows how stocks work, the types of stock available, and the role of the stock broker. The five classifications of stocks are described.

20) Investing in Bonds
Lesson 20 describes the role of bonds as an investment, including the inverse relationship between interest rate movements and bond value.

21) investing in Mutual Funds
Lesson 21 defines mutual funds, describes the difference between closed-end and open-end funds, and explains how the fee structure affects returns.

22) Real Estate and Other Investment Alternatives
Lesson 22 illustrates options for direct and indirect investment in real estate, including REITs, and collectibles. The Motley Fools present the five worst investments.

23) Retirement Planning
Lesson 23 reviews methods to determine financial goals for retirement, and instruments to achieve them. Social Security qualifications and benefits and some of the misconceptions about that topic are included.

24) Estate Planning
Lesson 24 defines probate and use of wills, trusts and other tools to protect the value of your estate.

25) Deception in the Marketplace
Lesson 25 examines the most basic consumer frauds. Some of the common scams being posted on Internet sites and sites where individuals can report scams are detailed.

26) Evaluating Your Commitment to Your Financial Goals
Lesson 26 reveals some of the common excuses people use to explain their failure to stick to a financial plan.

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