For more classes visit www.snaptutorial.com When a credit card is lost or stolen, it can be used until its owner reports it as missing. This loss of one’s credit card can result in fraud and therefore, being aware of the legalities that follow is important. This assignment addresses the legal ramifications. Consider the following scenario:

1. FIN 201 Module 1 Assignment 3 Credit Card
Liabilities and Fraud
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When a credit card is lost or stolen, it can be used until its owner reports
it as missing. This loss of one’s credit card can result in fraud and
therefore, being aware of the legalities that follow is important. This
assignment addresses the legal ramifications.
Consider the following scenario:
Furman Smoogie, a sales and marketing representative for the
Rubberman Corporation in Centervale, took his client Warren Sacamano
to an expensive lunch at a fancy steakhouse. At the time of paying the
bill, Furman noticed that his American Express card was missing from
his wallet. He used his Visa card instead. While driving home, Furman
realized that he had last used the missing American Express card about a
week earlier when he dined at a local sushi bar. He was now concerned
that a sales clerk may have used the card to make fraudulent purchases.
Using your assigned readings, , and the Internet, prepare a paper which
addresses the following:
• Review and identify Furman’s legal rights in this situation.
• Explain the probability that Furman will have to pay American Express
for any illegal charges to the account.
• Evaluate the steps which he should take in order to protect himself
from further loss as a result of losing his card.
Support your statements with examples and at least three scholarly
references, including your textbook.

2. Write a 2–3-page paper in Word format. Apply APA standards to
citation of sources. Use the following file naming convention:
LastnameFirstInitial_M1_A3.doc.
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FIN 201 Module 2 Assignment 2 Tax Issues
Associated with Financial Planning (2 Papers)
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This Tutorial contains (2 Papers)
Tax Issues Associated with Financial Planning
Understanding the tax consequences of your financial planning decisions
is very important. These decisions may sometimes have life-long
consequences in addition to a one-time result.
For example, when a person decides to save for retirement, there are tax
consequences for each year when money is added to the account as well
as when it grows. There are additional consequences later when that
person decides to retire and use the money to live on.
This assignment looks at another example of tax issues associated with
financial planning. You will look at the use of tax-exempt investment
instruments such as municipal bonds, as an alternative to traditional
investments, and corporate bonds or stocks.

3. Consider the following:
Bill Smith, a manager of a restaurant/bar in Los Angeles, is in the 25%
marginal tax bracket and pays an additional 5% in taxes to the state of
California. Bill has $20,000 invested in corporate bonds which is
currently earning an average annual return of 7.5%.
Additionally, Bill also has another $20,000 invested in municipal bonds
from the city of Los Angeles that are being used to redevelop depressed
areas downtown. These bonds pay an average return of 5.4%.
Assume that in both cases, Bill earns the same returns as calculated on
both the corporate and municipal bonds each year for the next 15 years.
Answer the following:
• What is the after-tax return on Bill’s corporate bonds for the current
year?
• What is the after-tax return on his municipal bonds for the current
year?
• Which investment earns more returns: corporate or municipal bonds?
• What would the balance in each account be at the end of the fifteenth
year?
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FIN 201 Module 3 Assignment 2 LASA 1
Finding Your Best Bank (2 Papers)
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4. This Tutorial contains (2 Papers)
For this assignment, you will take on the role of a personal financial
advisor and create a personal financial portfolio.
Step 1: Using the large National Bank, the Regional/Local Bank, and the
Credit Union you identified in the Module 1 Assignment 2, compare and
contrast each institution by completing the Module 3 Assignment 2
template
Step 2: Once you have completed the Module 3 Assignment 2 template,
create a financial portfolio. This financial portfolio is a professional one.
Please follow the following instructions when preparing it:
• Identify, describe, and explain the financial institution that would be
the best fit for you. Be sure to justify your selection by referencing the
information collected in your completed template.
• Identify, describe, and explain which type of saving account would
best fit your current financial position. Be sure to justify your selection
by referencing the information collected in your completed template.
• Analyze the following situation and answer the questions below:
After choosing a savings account with a 3% interest rate, you decide to
invest $5,000 into the savings account.
• Using the future value calculation, determine at an interest rate of 3%,
what would be your total balance available at the end of five years if you
leave the $5,000 untouched. Show your calculations, as well as, your
answer in your portfolio.
• How will this interest earned be reported on your federal income tax
returns?
• Be sure to include the following in your financial portfolio:
• Contact information for the financial institutions
• Show all steps of your future value calculations in Excel or Word
format.
• Support your statements with examples and at least three scholarly
references.
Your financial portfolio should be presented as a 3–4-page paper in
Word format. Be sure to also include the template you completed for

5. step 1 of the assignment. Apply APA standards to citation of sources.
Use the following file naming convention:
LastnameFirstInitial_M3_A2.doc.
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FIN 201 Module 5 Assignment 1 LASA 2
Understanding 401(k) and IRA’s (2 PPT)
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This Tutorial contains 2 Presentations
For this assignment, you will prepare a PowerPoint presentation
evaluating and explaining the 401(k) and Individual Retirement
Accounts (IRAs) at a local community center, where you have been
invited to speak. The audience will be a group of people who already
work for companies that provide a 401(k) plan, so they are familiar with
the basic concepts. The goal of the presentation is to explain to the
audience the differences between the 401(k) and IRAs. Include the
following:
• Explain which account would earn more money for the investor: a
traditional IRA or a Roth IRA. Support your statements with reasons and
examples.

6. • Describe how people can identify their federal tax brackets.
• Use the following hypothetical questions/situations to explain the
retirement plans in further detail.
1. If you were to invest $3,500 in traditional IRA and a Roth IRA, after
making adjustments for possible tax deductions, what would your net
contributionbe for both the traditional and Roth IRA? Explain any
differences your research shows.
2. Once the traditional IRA or Roth IRA is established, you decide to
invest the proceeds in a mutual fund. Identify the type of mutual fund
you would select. Examples include stocks, bonds, or a balanced mutual
fund. Using the Internet, research and select a specific mutual fund that
meets your desired risk tolerance. You can use examples of mutual fund
companies such as Oppenheimer and Franklin Templeton. Be sure to
justify your selection.
3. Based on the average annual return on the mutual fund selected, you
invest $3,500 for thirty years without withdrawing any of the proceeds.
How large would the balance be at the end of thirty years? Include your
calculations in your presentation.
4. To avoid the process of probate, and ensure that the balance in this
fund transfers upon death to a person of your choice, explain how this
account should be set up to ensure a prompt and direct transfer.
5. As an employee of an organization, you may have access to invest in
a 401(k) plan. Explain what a 401(k) plan is as well as its benefits.
When one has the option to utilize a 401(k) from an employer, explain
what restrictions are in place to limit 401(k) contribution?
Support your statements with examples and scholarly references.
Remember to include detailed speakers’ notes to include additional
remarks that could be used as a script when presenting to a live
audience. Develop an 8–10-slide presentation in PowerPoint format.
Apply APA standards to citation of sources. Use the following file
naming convention: LastnameFirstInitial_M5_A1.ppt.
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