CASH MANAGEMENT 

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 Financial  goals

Set financial goals in conjunction with career and income objectives and/or limitations.

 Personal budget

Structure a budget which matches current income with current expenditures

 Financial records

Use adequate financial records to accomplish personal financial goals.

Asset management

Manage liquid investments safely and in a manner consistent with meeting credit obligations.

 TIME VALUE OF MONEY 

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Time value of money

Discuss the concept of the time value of money.

Financial Calculator

Utilize the financial calculator to demonstrate present value, future value and compound interest and annuities.

 CREDIT

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 Credit management

Manage liquid investments safely and in a manner consistent with meeting credit obligations.

MAJOR PURCHASING DECISIONS

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Home buying/renting

Discuss aspects of home buying and compare buying to renting

Discuss other major purchases.

Transportation

Discuss aspects of buying or leasing personal transportation vehicles.

INSURANCE

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Risk management

Discuss the problem of personal risk.

Property and liability

Identify and manage personal property and liability risks using a variety of options.

Health insurance

Identify and manage personal health risks using a variety of options.

Life insurance

Identify and manage personal life risks using a variety of options.

INVESTMENTS

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Investing fundamentals

Identify and employ investing principles and concepts.

Securities markets

Identify sources of security financing and markets in which securities are traded.

Investment vehicles

Identify and characterize the types of investments that are available.

Investment management

Identify and use personal investment sound management principles.

RETIREMENT

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Introductory concepts

Explain fundamental principles and concepts behind retirement planning

Planning

Explain how to prepare for retirement given the many different investment options that are available

ESTATE PLANNING

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Estate planning basics

Explain the fundamental principles and concepts behind estate planning

Legal matters

Define some of the legal methods and tools employed in estate matters, and describe the resulting impact on the estate.

Estate planning strategies

Formulate an estate planning strategy utilizing some of the legal and tax methods learned.

TAX PLANNING

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 Taxes

Explain the tax implications of financial decisions

Tax matters

Define some of the tax methods and tools employed in estate matters, and describe the resulting impact on the estate.