1. MPA C APSTONE C LASS 2016 F INANCIAL F UTURE

2. F INANCIAL T OPICS Borrowing Decisions Mortgages and interest rates Dealing with the banker Credit Ratings Paying off student loans Saving Decisions 401K allocations Saving and IRA’s Roth versus traditional IRA’s Inflation

3. F INANCIAL I NTERMEDIATION

4. I NFORMATION Bloomberg Wall Street Journal New York Times The Economist

5. F INANCIAL M ARKETS AND C URRENT C ONDITIONS Debt versus equity Credit Markets (Bonds) Equity Markets (Stocks) Foreign Exchange Markets Commodity Markets

6. D EBT Compensated with interest Priority in the case of a bankruptcy No rights to participate in profits

7. E QUITY Ownership in company Compensation through dividends and capital gains Residual claimant in the case of bankruptcy

8. M ORTGAGES Bankrate.com Interest Rates Fixed Adjustable Time to Maturity Points Loan Amortization Private Mortgage Insurance

9. R EAL E STATE AND C REDIT M ARKETS Zillow Federal Reserve Economic Data US Treasury Corporate Bonds Municipal Bonds

10. M ANAGING C REDIT Prime Rate FICO score Credit cards Credit history Debt service ratio

11. I NFLATION Consumer Price Index Current rate of inflation Real interest rate

12. S AVINGS AND T AXES Capital Gains 401K and employer contributions Regular IRA’s Roth IRA’s

13. 401K A LLOCATIONS Debt Equity Real Estate

14. I MMEDIATE Actively manage your 401K Learning money Buy some part of a company Treasury Direct Buy and hold Real Estate