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Personal Finance

Do you have clear financial goals? Are you confident you will be able to retire someday? How can be sure you are making the right investments? Do you know how to change your credit report to reduce your expenses and increase your financial security? Do you know how to keep good financial records?

This course will prepare you for a lifetime of worthwhile personal financial planning. The tools you will learn are useful, realistic, and easy to work into your regular routine. They will help you gain control over the financial impact of the choices you make. You will learn to create and use a budget, borrow and invest wisely, make intelligent decisions about insurance, and plan for your financial future. You will develop a retirement savings plan, and you will be better prepared to make large purchases and plan for taxes. You will learn the essentials of household bookkeeping, record-keeping requirements, and much, much more.

6 Weeks / 24 Course Hrs
Starting December 11, 2019

Offered in Partnership with your Preferred School

ed2go

Why this school? It's been chosen based on your location or if you've visited this school's website. Change School

Learning Method

Instructor-led

Confirm your Start Date in Cart

Starting December 11 | January 15
Self-Paced

No instructor. Study on your own schedule

Personal Finance

Details + Objectives

Course Code: pfn

What You Will Learn
  • Develop clear financial goals and a household budget
  • Learn to make wise investments and plan for your own future
  • Discover the secrets to buying and selling the right stocks and mutual funds
  • Gain an understanding of how personal credit works and how to enhance your credit score
  • Acquire the skills and knowledge used to keep good financial records
How the course is taught
  • Instructor led or self paced online course
  • 6 -12 weeks to complete
  • 24 course hours
How you will benefit
  • Gain confidence in your financial future and control your own destiny
  • Learn essential skills that will assure your monetary independence and well-being
  • Achieve peace of mind by developing a plan and vision for your retirement

Outline

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Your Financial Situation

Throughout this course, you will learn how to use basic financial planning tools that you can work into your everyday routine. In this first lesson, you will examine your personal finances as they are today, set some basic financial goals, learn how to keep track of your finances, and gain some knowledge of record-keeping requirements. You will learn how to assess your current financial position. The information you compile during this lesson, and the methods you use to retain and store that information, can set the tone of your financial record-keeping for the rest of your life.

The Daily Grind: Earnings, Bills, and Taxes

If you think about your cash flow in terms of how to best control the money that comes in and goes out of your life, you may discover that you have many opportunities to improve your financial situation. This lesson focuses controlling certain aspects of your income collection and disbursement through daily financial events. You will learn about methods for increasing the amount of money at your disposal, saving money when paying your bills, and reducing your tax burden.

Your Credit

Don't be discouraged if your credit history is marred. Despite what you might think, you can establish good credit, control your credit rating so it remains positive, and repair a bad credit rating. This lesson teaches you how to read your credit history, correct errors in your credit reports, and improve your credit so that you're a good risk to potential lenders. Find out what creditors look at when they judge your credit, and how you can check your own credit rating for free.

The Art of Borrowing

Whether you intend to borrow money for a long term (as you might with a mortgage on a house), a medium term (such as a loan for a car or a college education), or a short term (such as using a credit card to pay for a dinner at a restaurant or your weekly groceries), there are factors about borrowing that you should consider. In this lesson, you will get the tools to make informed decisions about borrowing. You will learn about the concept of points or loan origination fees. Finally, you will find out how borrowing money can actually benefit you when tax time comes.

Creating and Living with a Budget

In the most popular lesson of the course, you will learn how you can create a workable budget and, more importantly, how you can make it stick. A budget is not difficult to make, and it's not difficult to follow. In fact, people who use budgets find they can talk about their finances and their financial goals more comfortably because they have a thorough knowledge of what they can actually achieve. A budget is like a playbook for the future.

Investing in Mutual Funds

In this lesson, you will learn about the different types of mutual funds, criteria for choosing a fund, how much to invest, the importance of timing your investments, when to sell, and the tax effects of your investment. You will find out the advantages to investing in mutual funds, including diversification, the opportunity to take advantage of a fund manager and a research team's expertise, the small minimum investment required to enter a fund, and the ease with which you can make regular investments.

Investing in Stocks

This lesson introduces financial advisors. You will find out why it's so important to follow the performance of your investments. You will also discover how to manage your portfolio, the tax effects of buying and selling investments, and how you can manage the amount of tax you pay. You will also learn how to compare companies that you want to invest in.

Other Types of Investing

If you want to invest, there are several different types of opportunities available to you. In this lesson, you will explore some of the places beyond stocks and mutual funds where you can invest your money, including interest-bearing accounts, bonds, commodities, precious metals, and collectibles. You will discover that you can begin investing with a very small amount of money, and you will find out how to familiarize yourself with different types of investments before putting your money at risk.

Insurance Considerations

In this lesson, you will get acquainted with the many types of insurance and how the purchase of insurance should fit into your overall financial plan. Your needs for insurance change throughout your life, so you will learn how and when to reassess your insurance coverage. You will also learn some tips on dealing with insurance agents and shopping around for the best value and the best coverage.

Planning for Your Retirement

Retirement might seem like it's a long way off, but it's never too early to start thinking about it. In this lesson, you will get familiar with the various types of retirement funds available to employees, business owners, and individuals; and you will learn about putting money into retirement funds, overseeing the investments in those funds, and when and how to take money out of your funds. You will also find out how the Social Security system works and the tax effects of retirement contributions and distributions.

Life's Big Expenses

There are certain occasions in life that require a major cash outlay. Events like weddings, purchasing a house or a car, or going to college require planning and saving. In this lesson, you will discover tips for estimating the costs of major purchases, as well as techniques for saving and borrowing to finance these expenses. You will also see what tax benefits are available when you incur these large expenses. You will learn about some of the different options for parents and students who are planning on, or are already attending, college.

Estate Planning

In the final lesson of the course, you will learn about estate planning and some of the basic rules that will guide you in making important decisions. In addition, you will get an introduction to inheritance and estate taxes, trusts, and other means of protecting your assets, as well as information about the duties of an executor for your estate.

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Instructors & Support

Matt Crabtree

Matt Crabtree, CFP ®, earned his Bachelor of Science in Business, Information Systems Management, in 1999, a mini MBA certificate from The School of Management at Yale University in 2004, a certificate in Financial Planning from Pepperdine University's Graziadio School of Business in 2012 and has received the financial industry's most rigorous and prestigious professional designation of Certified Financial Planner ™. After many years in project management, office management, and business sales, Matt began training individuals and organizations in areas of business finance, leadership development, successful negotiations, sales management, and customer service excellence. Matt has trained individuals and various units within the U.S. Department of Defense, as well as corporate organizations including IBM (technology), Accuray (healthcare-technology), and Gen-Probe (molecular diagnostics). Matt is registered as a securities broker with the Financial Authority Regulation Authority (FINRA) and with the U.S. stock exchanges (NYSE and NASDAQ) and as an investment advisor with FINRA. Matt's natural aptitude for explaining his material in an easy-to-understand and enjoyable manner allows each student to gain insights into areas that are often considered challenging.

Requirements

Requirements

Prerequisites:

There are no prerequisites to take this course.

Requirements:

Hardware Requirements:

  • This course can be taken on either a PC or Mac device.

Software Requirements:

  • PC: Windows XP or later.
  • Mac: OS X Snow Leopard 10.6 or later.
  • Browser: The latest version of Google Chrome or Mozilla Firefox are preferred. Microsoft Edge and Safari are also compatible.
  • Adobe Flash Player. Click here to download the Flash Player.
  • Adobe Acrobat Reader. Click here to download the Acrobat Reader.
  • Software must be installed and fully operational before the course begins.

Other:

  • Email capabilities and access to a personal email account.
Instructional Materials

The instructional materials required for this course are included in enrollment and will be available online.

FAQs

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When can I get started?

Instructor-Led: A new session of each course begins each month. Please refer to the session start dates for scheduling. 

Self-Paced: You can start this course at any time your schedule permits.

How does it work?

Instructor-Led: Once a session starts, two lessons will be released each week, for the 6 week duration of your course. You will have access to all previously released lessons until the course ends.

Self-Paced: You have three-month access to the course. After enrolling, you can learn and complete the course at your own pace, within the allotted access period.

 

How long do I have to complete each lesson?

Instructor-Led: The interactive discussion area for each lesson automatically closes 2 weeks after each lesson is released, so you’re encouraged to complete each lesson within two weeks of its release.

Self-Paced: There is no time limit to complete each lesson, other than completing all lessons before your three-month access.

What if I need an extension?

Instructor-Led: The Final Exam will be released on the same day as the last lesson. Once the Final Exam has been released, you will have 2 weeks plus 10 days to complete the Final and finish any remaining lessons in your course. No further extensions can be provided beyond these 10 days.

Self-Paced: Because this course is self-paced, no extensions will be granted after the start of your enrollment.

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