Smaller Version of The Complete Personal Finance Dashboard

Dashboard Summary from the Complete Personal Finance Course
Your Net Worth = Your Assets (What You Own) - Your

Your current savings rate is 51.15%, which means that you are currently spending Labilities (What You Owe) The information in this green box will update as you complete the Make Money
48.85% of the amount of money that you make. exercises in Part 3. Thanks
The information in this pink box will update as you

Your Expense CATEGORIES as a % of Pre-Tax Income complete the Protect Money exercises in Part 2. Here is Your Current Positi on % Exposure: No sin gle stock or sin gle bond or single commodit y or sin gle REIT in vestment can be over 5%. The exceptions are AAA rated government bond or treasury in vestments or money in our banks account(s).
Thanks
100%
80%
60%
40%
20% Your Solvency Ratio & Your Debt to Equity Ratio:
0%
Pets
Education
Fees & Charges
Gifs and Donations

Food & Drink
Car & Transportation
Vacation
Child/Child Care
Communications/Computer
Health / Fitness / Life Insurance
Personal Care
Debt
Entertainment
Housing
Other
Shopping
Your Life Insurance Coverage Ratio (Higher is Better)
Your largest individual non tax expense is your Car Insurance If you are married and/or have kids, it's important to
consider getting life insurance (which we will cover
expense, which is 0% of your pre tax income. The amount later in this course). You want your family to have at
spent on your Car Insurance expense is 0 Philippine pesos. least 10 years worth of annual expenses in order to be
ok. The best way to accomplish this is through getting a
life insurance policy (again, we will cover this later in
the course). Your Life Insurance Coverage Ratio = (Your
Life Insurance Coverage Pay Out + Your Net Worth) /
Your Annual Expenses Excluding Income Taxes and this
all equals how many years worth of expenses are
covered for your family.
Your monthly income before expenses is 14,410 Philippine

pesos. Your monthly expense total is 7,040 Philippine pesos,
which results in monthly savings of 7,370 Philippine pesos. Your current Life Insurance Coverage Ratio is =
0.00X
* = Potential tax deductible expense

Save Money Exercises: Click on the Exercises Listed Below: Protect Money Exercises: Click on the Exercises Listed Below: Make Money Exercises: Click on the Exercises Listed Below:
Exercise #1: Time Value of Money (What is it Worth in the Future?) Exercise #7: Creating Your Balance Sheet (“What You Own & Owe”) Exercise #17: The Damage that High Fees Can do to Our Net Worth!
Exercise #2: Money In & Money Out: Creating Your CURRENT Income Stmt. Exercise #8: Analyzing Your Balance Sheet Exercise #18: Populating Your Investment Management Portfolio
Exercise #3: Creating Your NEW & IMPROVED Income Statement Exercise #9: Analyzing Your Balance Sheet & Your Inc. Smt. Together Exercise #19: Stock Valuations
Exercise #4: Analyzing Your CURRENT and New+IMPROVED Income Statement Exercise #10: How Much Do You Need to Retire? Exercise #20: Adding Bond Investments to Your Portfolio
Exercise #5: Save Money Meeting Exercise #11: How Much Do You Need for Education Expenses? Exercise #21: Adding Commodity Investments to Your Portfolio
Exercise #6: Save Money Checklist Exercise #12: Pay Less Tax Strategies Exercise #22: Mortgage Calculator
Exercise #13: A Simple & Effective Money, Taxes, Receipts etc Filing System Exercise #23: Adding Real Estate Investment Trusts to Your Portfolio
Exercise #14: Budget Planning Exercise #24: Diversification & Your Model Portfolio
Exercise #15; Is Your Money Safe? Protect Your $ by Using the Right Bank Exercise #25: Make Money Checklist
Exercise #16: Protect Money Checklist
_x000D_ Page 1 of 1 Last save date: 01/18/2020

Last save time: 15:13:44
Please watch lectures #1 & 2 and then PLEASE ONLY complete the white bo
Please select the country that you live in: Philippines
Please select your currency: Philippine pesos
Please type only your first name or your nickname Samantha Paula
here:
Please select your age here: 19
Select the age you want to retire at here: 60
Please type your favorite charity name: Your favourite charity
We will refer to the following items in the grey box below in the lessons in th
various personal finance topics in Philippines….or click them anytime as a ref
your country, please let me know as I tried to create links for every country in
Your government tax agency in Philippines is the Bureau of Internal Rev
Your government's retirement savings program in Philippines is called t

Your government's retirement savings program in Philippines has a maximum annual contrib
Taxes are due in Philippines on April 15th and you can click on me to go
Your government's education savings program in Philippines is called th
Your country's largest bank is BDO and you can click on me to go to the
Your country's 2nd largest bank is Metrobank and you can click on me t
Your country's 3rd largest bank is Landbank and you can click on me to
Your country's 4th largest bank is BPI and you can click on me to go to t
Your country's 5th largest bank is Security Bank and you can click on me
Click me for credit ratings agencies information in Philippines.
Your country's government insures money in the bank up to PHP 500,00

Corporation website.
Please don't add or remove any rows or columns to this ta
Please don't look at the contents below me until asked to do so in the course (meaning w
PLEASE COMPLETE THE 7 STEPS BELOW IN ORDER

POPULATE YOUR INVESTMENT PORTFOLIO MANAGE
SYSTEM (PLEASE WATCH THE LECTURE ASSOCIATE
EXERCISE #18 FIRST THANKS).
If you make a mistake and the contents of this tab aren't working for you, then please download this
spreadsheet from the course again. Thanks Please Click Me if You Need Help with the Steps Liste
Step 1: Open your browser and go to www.finance.yahoo.com and create a user id (or ju
per the image below:
Step 2: Click on "+ Create New Portfolio" per the image below. Then type a name for you
Step 3: Click on the "+ Add Symbol" button and add a few tickers. For example, enter MS
name and select the right ticker. I recommend adding less than 10 tickers, but you can ch
Exercise #18, please get the 10 tickers using the instructions in Exercise 18. Thanks:
Step 4: After you have added or updated your stock ticker(s), Please click on "New View
Finance page):
Step 5: Click the Edit button per the first image below. In the New View Box, name y
categories per the image below, then click save (don't forget to scroll down in the Edi
below):
Step 6: You will see the data result per the first image below (don't worry if your colu
highlight the entire table and copy it per the 2nd image below this first one (please m
starting with the word "Symbol" are highlighted so you can copy the data along with
Step 7: Please click on Cell A200 on this spreadsheet and paste what you copied. Pas
starting in cell A200 below. Please make sure that you also copied and pasted the
Step 8: All the data for your portfolio is now populated in your Investment Port
clicking on the "Your Portfolio" grey button on the top right-hand corner of the
know).
PLEASE IGNORE WHAT YOU SEE BELOW AS THE DATA BELOW IS WHAT FEEDS INTO MANY DI
SAVE A COPY OF YOUR SPREADSHEET FIRST (OR DOWNLOAD
a787
1 2 3 4 5
Select Country Name Here Select Your Currency Here Rate from Link
Afghanistan bahts 32.67 http://www.calculator
Albania dinars 1165.8 https://www.calculato
Algeria dollars 1 https://w
American Samoa euros 0.84522 https://w
Andorra francs 0.98702 https://w
Angola liras 3.94031 https://w
Anguilla pesos 18.5515 https://w
Antigua and Barbuda pounds 0.74405 https://w
Argentina rubles 58.504 https://w
Armenia rupee 64.5209 https://w
Aruba shekels 3.49859 https://w
Australia won 1087.15 https://w
Austria yen 112.336 https://w

Azerbaijan yuan 6.61452 https://w
Bahamas Abkhazian apsar 58.504 https://w
Bahrain Afghan afghani 68.7305 https://w
Bangladesh Albanian lek 112.93 https://w
Barbados Alderney pounds 0.74405 https://w
Belarus Algerian dinar 115.015 https://w
Belgium Angolan kwanza 165.924 https://w
Belize Argentine pesos 17.4214 https://w
Benin Armenian dram 483.345 https://w
Bermuda Aruban florin 1.78683 https://w
Bhutan Ascension pounds 0.74149 https://w
Bolivia Australian dollars 1.32162 https://w
Bosnia and Herzegovina Azerbaijani manat 1.6985 https://w
Botswana Bahamian dollars 1 https://w
Brazil Bahraini dinars 0.37733 https://w
British Virgin Islands Bangladeshi takas 82.8833 https://w
Brunei Barbadian dollars 2 https://w
Bulgaria Belarusian rubles 2.00339 https://w
Burkina Faso Belize dollars 2.00794 https://w

Burma Bermudian dollars 1 https://w
Burundi Bhutanese ngultrum 64.052 https://w
Cambodia Bolivian boliviano 6.92237 https://w
Cameroon Bosnia and Herzegovina convertible ma 1.6423 https://w
Canada Botswana pula 10.309 https://w
Cape Verde Brazilian reals 3.2729 https://w
Cayman Islands British pound 0.73933 https://w
Central African Republic British Virgin Islands dollars 1 https://w
Chad Brunei dollars 1.34721 https://w
Chile Bulgarian lev 1.6427 https://w
China Burmese kyat 1346.7 https://w
Colombia Burundian franc 1,743.70 https://w
Comoros Cambodian riel 4010.35 https://w
Congo - Brazzaville Canadian dollars 1.28664 https://w
Congo - Kinshasa Cape Verdean escudo 92.8 https://w
Cook Islands Cayman Islands dollars 0.82819 https://w
Costa Rica Central African CFA franc 551.106 https://w
Côte d’Ivoire CFP franc 100.257 https://w
Croatia Chilean peso 647.35 https://w

Cuba Chinese yuan 6.608 https://w
Cyprus Colombian pesos 3016.9 https://w
Czech Republic Comorian francs 413.75 https://w
Denmark Congolese francs 1576 https://w
Djibouti Cook Islands dollars 1.46016 https://w
Dominica Costa Rican colón 562.745 https://w
Dominican Republic Croatian kuna 6.34519 https://w
East Timor Cuban convertible pesos 1 https://w
Ecuador Cuban pesos 25.5 https://w
Egypt Czech koruna 21.4393 https://w
El Salvador Danish krone 6.25251 https://w
Equatorial Guinea Djiboutian francs 178.72 https://w
Eritrea dollars 1 https://w
Estonia Dominican pesos 47.8319 https://w
Ethiopia East Caribbean dollars 2.70255 https://
Faroe Islands Egyptian pounds 17.681 https://w
Fiji Eritrean nakfa 15.101 https://w
Finland Ethiopian birr 27.375 https://w
France euros 0.84016 https://w

French Guiana Euros 0.84016 https://w
French Polynesia Falkland Islands pounds 0.74149 https://w
Gabon Faroese króna 6.25251 https://w
Gambia Fijian dollars 2.07175 https://w
Gaza/Palestinian Territories Gambian dalasi 47.4 https://w
Georgia Georgian lari 2.71089 https://w
Germany Ghana cedi 4.59 https://w
Ghana Gibraltar pounds 0.74149 https://w
Gibraltar Guatemalan quetzal 7.30502 https://w
Greece Guernsey pounds 0.74149 https://w
Greenland Guinean francs 9000 https://w
Grenada Guyanese dollars 205.501 https://w
Guadeloupe Haitian gourde 63.0599 https://w
Guam Honduran lempira 23.5094 https://w
Guatemala Hong Kong dollars 7.8119 https://w
Guernsey Hungarian forint 263.594 https://w
Guinea Icelandic króna 103.185 https://w
Guinea-Bissau Indian rupees 64.505 https://w
Guyana Indonesian rupiah 13521.1 https://w

Haiti Iranian rial 34782 https://w
Honduras Iraqi dinars 1183.8 https://w
Hong Kong Israeli shekels 3.48845 https://w
Hungary Jamaican dollars 125.541 https://w
Iceland Japanese yen 112.446 https://w
India Jersey pounds 0.74149 https://w
Indonesia Jordanian dinars 0.7095 https://w
Iran Kazakhstani tenge 329.25 https://w
Iraq Kenyan shillings 103.05 https://w
Ireland Kiribati dollars 1.32162 https://w
Isle of Man Kuwaiti dinars 0.30173 https://w
Israel Kyrgyzstani som 69.707 https://w
Italy Lao kip 8272.1 https://w
Jamaica Lebanese pounds 1510.32 https://w
Japan Lesotho loti 13.705 https://w
Jersey Liberian dollars 125.525 https://w
Jordan Libyan dinars 1.35535 https://w
Kazakhstan Macanese pataca 7.99402 https://w
Kenya Macedonian denar 51.755 https://w

Kiribati Malagasy ariary 3200.3 https://w
Korea, North Malawian kwacha 726.17 https://w
Korea, South Malaysian ringgit 4.09015 https://w
Kuwait Maldivian rufiyaa 15.31 https://www.calculato
Kyrgyzstan Manx pounds 0.74149 https://www.calculato
Laos Mauritanian ouguiya 352.856 https://www.calculato
Latvia Mauritian rupees 33.6517 https://www.calculato
Lebanon Mexican pesos 18.6773 https://www.calculato
Lesotho Micronesian dollars 1 https://www.calculato
Liberia Moldovan leu 17.2 https://www.calculato
Libya Mongolian tögrög 2440.44 https://www.calculato
Liechtenstein Moroccan dirham 9.3897 https://www.calculato
Lithuania Mozambican metical 60.63 https://www.calculato
Luxembourg Nagorno-Karabakh dram 483.345 https://www.calculato
Macau Namibian dollars 13.6638 https://www.calculato
Macedonia Nauruan dollars 1.32162 https://www.calculato
Madagascar Nepalese rupees 102.521 https://www.calculato
Malawi Netherlands Antillean guilder 1.7741 https://www.calculato
Malaysia New Taiwan dollars 29.997 https://www.calculato

Maldives New Zealand dollars 1.46016 https://www.calculato
Mali Nicaraguan córdoba 30.6111 https://www.calculato
Malta Nigerian naira 357.8 https://www.calculato
Marshall Islands Niue dollars 1.46016 https://www.calculato
Martinique North Korean won 900 https://www.calculato
Mauritania Norwegian krone 8.2883 https://www.calculato
Mauritius Omani rial 0.38501 https://www.calculato
Mayotte Pakistani rupees 105.325 https://www.calculato
Mexico Palauan dollars 1 https://www.calculato
Micronesia Panamanian balboa 1 https://www.calculato
Moldova Papua New Guinean kina 3.19249 https://www.calculato
Monaco Paraguayan guaraní 5634.85 https://www.calculato
Mongolia Peruvian nuevo sol 3.23267 https://www.calculato
Montserrat Philippine pesos 50.3505 https://www.calculato
Morocco Pitcairn Islands dollars 1.46016 https://www.calculato
Mozambique Polish złoty 3.53581 https://www.calculato
Namibia pounds 0.74405 https://www.calculato
Nauru Qatari riyal 3.64074 https://www.calculato
Nepal Romanian leu 3.89659 https://www.calculato

Netherlands Russian rubles 58.684 https://www.calculato
Netherlands Antilles Rwandan francs 846.795 https://www.calculato
New Caledonia Sahrawi peseta 9.3897 https://www.calculato
New Zealand Saint Helena pounds 0.74149 https://www.calculato
Nicaragua Samoan tālā 2.54351 https://www.calculato
Niger São Tomé and Príncipe dobra 20587.2 https://www.calculato
Nigeria Saudi riyal 3.75082 https://www.calculato
N. Mariana Islands Serbian dinars 100.125 https://www.calculato
Norway Seychellois rupees 13.4154 https://www.calculato
Oman Sierra Leonean leone 7607.7 https://www.calculato
Pakistan Singapore dollars 1.34702 https://www.calculato
Palau Solomon Islands dollars 7.83617 https://www.calculato
Panama Somali shillings 575.077 https://www.calculato
Papua New Guinea Somaliland shillings 575.077 https://www.calculato
Paraguay South African rand 13.7316 https://www.calculato
Peru South Georgia and the South Sandwich 0.74056 https://www.calculato
Philippines South Korean won 1083.17 https://www.calculato
Poland South Sudanese pounds 130.263 https://www.calculato
Portugal Sri Lankan rupees 152.66 https://www.calculato

Puerto Rico Sudanese pounds 6.63593 https://www.calculato
Qatar Surinamese dollars 7.448 https://www.calculato
Réunion Swazi lilangeni 13.705 https://www.calculato
Romania Swedish krona 8.34982 https://www.calculato
Russia Swiss francs 0.98215 https://www.calculato
Rwanda Syrian pounds 515.01 https://www.calculato
Saint Helena Tajikistani somoni 8.75818 https://www.calculato
Saint Kitts and Nevis Tanzanian shillings 2246 https://www.calculato
Saint Lucia Thai bahts 32.62 https://www.calculato
Saint Pierre and Miquelon Tongan paʻanga 2.29079 https://www.calculato
Saint Vincent and the Grenadines Transnistrian rubles 58.504 https://www.calculato
Samoa Trinidad and Tobago dollars 6.68886 https://www.calculato
San Marino Tristan da Cunha pounds 0.74405 https://www.calculato
São Tomé and Príncipe Tunisian dinars 2.48098 https://www.calculato
Saudi Arabia Turkish liras 3.94391 https://www.calculato
Senegal Turkmenistan manat 3.50998 https://www.calculato
Serbia Tuvaluan dollars 1.32162 https://www.calculato
Seychelles Ugandan shillings 3609.8 https://www.calculato
Sierra Leone Ukrainian hryvnia 27.007 https://www.calculato

Singapore United Arab Emirates dirham 3.67297 https://www.calculato
Slovakia dollars 1 https://www.calculato
Slovenia Uruguayan pesos 28.9983 https://www.calculato
Solomon Islands Uzbekistani som 8046.4 https://www.calculato
Somalia Vanuatu vatu 106.923 https://www.calculato
South Africa Venezuelan bolívar 10.4834 https://www.calculato
Spain Vietnamese đồng 22721.8 https://www.calculato
Sri Lanka West African CFA francs 551.106 https://www.calculato
Sudan Yemeni rial 250.25 https://www.calculato
Suriname yen 112.336 https://www.calculato
Swaziland Zambian kwacha 10.063 https://www.calculato
Sweden Zimbabwean dollars 322.355 https://www.calculato
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Thailand
Togo
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Vanuatu
Venezuela
Vietnam
Virgin Islands
Wallis and Futuna

West Bank
Western Sahara
Yemen
Zambia
Zimbabwe
A1056 B1056 C1056 1056 1056 1056
a2547 starts with word please
Please
don't
change
the
informat
ion in
the cells
below
as this
is for
advanc
ed use
and for
future
updates
to the
course.
Thanks
:)
Please don't change the information in the cells below as this is for
advanced use for future updates to the course. Thanks : )
CATEGORY DATA ITEM SHOW THIS DATA? (X = YES)

BASIC S Symbol X
BASIC S Name X
BASIC S Market Capitalization X

BASIC S Price X
% Daily Price
BASIC S Change X
Daily Change in the
BASIC S Stock Price X
BASIC S Day's High X
BASIC S Day's Low X
BASIC S Open X
BASIC S Previous Close X
BASIC S Volume X
Average Daily
BASIC S Volume X
BASIC S 52-week Low X
BASIC S 52-week High X
Change From 52-
BASIC S week High X
Change From 52-
BASIC S week Low X
BASIC S Last Trade Size
BASIC S Last Trade Date
BASIC S Last Trade Time X
BASIC S Day's Range X
Change & Percent
BASIC S Change
200-day Moving
TECHNICAverage
50-day Moving
TECHNICAverage
Change From 200-

TECHNICday Moving Average
Change From 50-day

TECHNICMoving Average
TECHNICFloat Shares X
Percent Change
From 200-day
TECHNICMoving Average
Percent Change
From 50-day Moving
TECHNICAverage
Percent Change
TECHNICFrom 52-week High X
Percent Change
TECHNICFrom 52-week Low X
TECHNICShort Ratio
VALUATIBook Value X
VALUATIDividend Pay Date X
VALUATIDividend Yield X
VALUATIDividend/Share X
VALUATIEarnings/Share
VALUATIEBITDA
EPS Estimate
VALUATI Current Year
EPS Estimate Next
VALUATI Quarter
EPS Estimate Next
VALUATI Year
VALUATIEx-Dividend Date
VALUATIP/E Ratio X
VALUATIPEG Ratio X
VALUATIPrice/Book X
Price/EPS Estimate
VALUATI Current Year X
Price/EPS Estimate
VALUATI Next Year
VALUATIPrice/Sales X
VALUATIRevenue Last Year
1 2 3 4 5
Market Last
Symbol Symbol Company Name Cap Price
Last
Symbol CompanyCurrency Exchange Price Change
ANET Arista NUSD NYQ 214.2 4.63
ALGN Align Te USD NMS 252.7 6.28
COHR Coherent USD NMS 297.2 31.77
KHC The KrafUSD NMS 79.58 1.4
WFC Wells F USD NYQ 54.26 -0.79
AAPL Apple InUSD NMS 176.2 1.43
Compan
Symbol y Name Currency Exchange Last Pri Change
BND Vanguard
USD ASE 81.75 -0.08
TLT iShares USD NGM 126 -0.36
TIP iShares USD PCX 114.2 -0.02
VLTCX VanguardUSD NAS 25.25 -0.08
ISHG iShares USD NGM 82.88 0.332
BNDX VanguardUSD NGM 54.91 -0.18
Compan
Symbol y Name Currency Exchange Last Pri Change
GLD SPDR GoUSD NYQ 121.1 -1.02
SLV iShares S
USD PCX 15.97 -0.1
USO United SUSD NYQ 11.4 -0.06
RJI ELEMENT USD ASE 5.32 0
JJC iPath B USD ASE 35.08 -0.17
GSG iShares USD ASE 15.88 -0.02
Symbol CompanyCurrency Exchange Last PriChange

SRET Global XUSD NGM 15.27 0.02
VNQ VanguardUSD PCX 85.27 0.34
XRE.TO iShares CAD TOR 16.63 0.04
SCHH Schwab USD ASE 42.28 0.21
REET iShares USD ASE 25.89 0.03
RWR SPDR DoUSD PCX 95.08 0.37
Symbol CompanyCurrency Exchange Last Pri Change

AAPL Apple InUSD NMS 174 -0.7
CORP PIMCO InUSD ASE 104.9 0.06
DBO PowerShaUSD ASE 9.64 -0.04
EWI iShares USD PCX 30.58 -0.2
EWZ iShares USD PCX 38.95 0.12
GE General USD NYQ 19.02 -1.47
GLD SPDR GoUSD PCX 121.3 0.18
IWM iShares USD PCX 146.6 0.05
KBE SPDR S&USD PCX 44.24 0.56
QQQ PowerShUSD NGM 153.9 0.19
SCHP Schwab USD ASE 55.25 0
SCHV Schwab USD ASE 52.79 0.06
SPYG SPDR PorUSD ASE 32.32 0.04
TLT iShares USD NGM 124.4 0.26
raw data for exercise 18 video

Symbol 52-Wk RaPre-Mkt Price Pre-Mkt % Chg Post-MkPre-Mkt
AAPL 114.76 -- - -0.01 -
FB 114.77 -- - -0.2 -
GE 17.36 - - - 0.01 -
IBM 139.13 -- - -0.05 -
KO 40.22 - - - -0.06 -
MSFT 61.95 - - - 0.08 -
SLV 14.44 - - - 0.02 -
SPY 222.73 -- - -0.16 -
TIP 112.20 -- - 0.02 -
XOM 76.05 - - - 0-
raw data ex 20
Symbol 52-Wk RaPre-Mkt Price Pre-Mkt % Chg Post-MkPre-Mkt
BNDX 53.56 - - - 0-
ISHG 75.36 - - - - -
VLTCX 23.43 - - - - -
TIP 112.20 -- - 0.02 -
TLT 116.49 -- - 0.06 -
BND 80.02 - - - - -
raw data ex 23
RWR SPDR DoUSD PCX 92.32 0.59
REET iShares USD PCX 25.74 0.1
SCHH Schwab USD PCX 41.02 0.26
XRE.TO iShares CAD TOR 16.61 0.04
SRET Global XUSD NGM 15.63 -0.01
VNQ VanguardUSD PCX 81.83 0.56
raw data ex 24
SLV iShares SUSD PCX 15.6 0.2
GLD SPDR GoUSD PCX 121.8 0.88
EWC iShares USD PCX 29.27 0.105
EWI iShares USD PCX 30.82 0.09
SPYG SPDR Por USD PCX 33.03 -0.085
AAPL Apple InUSD NMS 170.5 -4.56
CAT CaterpillUSD NYQ 155.7 -0.02
GS The GoldUSD NYQ 256.8 -2.16
LULU LululemoUSD NMS 79.56 1.08
VNQ Vanguard USD PCX 82.37 0.54
SCHH Schwab USD PCX 41.33 0.31
XBI SPDR S&USD PCX 85.36 0.77
SLY SPDR S&USD PCX 133.6 0.147
MLQD iShares USD BTS 49.41 0.1
IEF iShares USD PCX 105.1 0.09
IBMG iShares USD PCX 25.38 0.04
TIP iShares USD PCX 113.3 0.12
IUSV iShares USD NGM 55.48 0.01
IVLU iShares USD PCX 26.4 0.03
JKF iShares USD PCX 105.7 -0.205
lete the white boxes shown below. Thanks
Philippines
ilippine pesos
Optional Philippine pesos** foreign exchange rate setting (please select you
in cell E9)
If you are not using US dollars for currency, then if you want. 50.3505
please update the current FX rate for your currency in the white
mantha Paula box on the right if it is not accurate by clicking on me in order to
get the most recent currency rate for Philippine pesos.
Please express the exchange rate in terms of how many units of your currency is require
19 dollar.
What is entered in the white box above means that it costs 50.3505 Philippine pesos to b
60 dollar. If this is incorrect, please change the value in the white box above by typing the r
Please click on the hyperlink above in order to find out what the latest Philippine pesos
exchange rate is if you want to change what is in the white box above. Thanks
favourite charity **Click me to get your exchange rate only if your currency is not available in
the lessons in this course. Please click the link(s) below if needed as we complete the lessons
m anytime as a reference (we will discuss this in more detail during the course). If a link needs
r every country in the world. Thanks :-)
au of Internal Revenue and you can click on me to go to their website.
ippines is called the and you can click on me to go to their website.

maximum annual contribution of P100,000.
click on me to go to the website that shows this date and other tax information.
ppines is called the AcademiX and you can click on me to go to their website.
n me to go to their website.
can click on me to go to their website.
an click on me to go to their website.
k on me to go to their website.
ou can click on me to go to their website.
ippines.
k up to PHP 500,000 Philippine pesos and you can click on me to go to the Philippine Deposit Ins
mns to this tab. Thanks

course (meaning when we discuss Exercise 18 through 24). Thanks : )
IN ORDER TO Find Correct

IO MANAGEMENT Ticker Help
ASSOCIATED WITH
download this
elp with the Steps Listed Below (this is the video for Exercise #18)
ate a user id (or just sign in if you have a yahoo id), then click on "My Portfolio"
ype a name for your portfolio and hit the save button:
example, enter MSFT to add Microsoft or enter the company or ETF or fund
ers, but you can choose more up to a limit of 30 tickers. If you are doing
se 18. Thanks:
lick on "New View" per the image below (it's on the right side of the Yahoo
View Box, name your custom view and also please click on "Select All" for all
oll down in the Edit View box so you can select all data per the images
worry if your columns and rows are completely different from mine). Please
first one (please make sure that the entire table including the headings
e data along with the headings row):
at you copied. Paste it on top of my sample data if you see my sample data
d and pasted the headings from Yahoo Finance. Thanks
Investment Portfolio Management System. You can get there by
and corner of the screen. Thanks (If you have questions, please let me
EDS INTO MANY DIFFERENT CELLS IN THIS SPREADSHEET. IF YOU WANT TO PLAY AROUNDF WITH THE I
RST (OR DOWNLOAD A NEW VERSION OF THIS SPREADSHEET FROM THE COURSE. THANKS : )
LAN & MATT LINKS: [ch note: copy and
6 7 8 9 10 11 12
Column 1
Select Your Age Here Select Retirement Age Country Check Country
10 20 Match Afghanistan
11 21 Match Albania
12 22 Match Algeria
13 23 Match American S
14 24 Match Andorra
15 25 Match Angola
16 26 Match Anguilla
17 27 ok Antigua &
18 28 Match Argentina
19 29 Match Armenia
20 30 Match Aruba
21 31 Match Australia
22 32 Match Austria
23 33 Match Azerbaijan
24 34 ok Bahamas, T
25 35 Match Bahrain
26 36 Match Bangladesh
27 37 Match Barbados
28 38 Match Belarus
29 39 Match Belgium
30 40 Match Belize
31 41 Match Benin
32 42 Match Bermuda
33 43 Match Bhutan
34 44 Match Bolivia
35 45 ok Bosnia & He
36 46 Match Botswana
37 47 Match Brazil
38 48 ok British Virgi
39 49 Match Brunei
40 50 Match Bulgaria
41 51 Match Burkina Fas

42 52 Match Burma
43 53 Match Burundi
44 54 Match Cambodia
45 55 Match Cameroon
46 56 Match Canada
47 57 Match Cape Verde
48 58 Match Cayman Isla
49 59 ok Central African Rep.
50 60 Match Chad
51 61 Match Chile
52 62 Match China
53 63 Match Colombia
54 64 Match Comoros
55 65 ok Congo, Dem
56 66 ok Congo, Repu
57 67 Match Cook Island
58 68 Match Costa Rica
59 69 ok Cote d'Ivoir
60 70 Match Croatia
61 71 Match Cuba
62 72 Match Cyprus
63 73 Match Czech Repub
64 74 Match Denmark
65 75 Match Djibouti
66 76 Match Dominica
67 77 Match Dominican
68 78 Match East Timor
69 79 Match Ecuador
70 80 Match Egypt
71 81 Match El Salvador
72 82 Match Equatorial Guinea
73 83 Match Eritrea
74 84 Match Estonia
75 85 Match Ethiopia
76 86 Match Faroe Island
77 87 Match Fiji
78 88 Match Finland
79 89 Match France
80 90 Match French Gui
81 91 Match French Poly
82 92 Match Gabon
83 93 ok Gambia, Th
84 94 ok Gaza/Palestinian Territo
85 95 Match Georgia
86 96 Match Germany
87 97 Match Ghana
88 98 Match Gibraltar
89 99 Match Greece
90 100 Match Greenland
91 101 Match Grenada
92 102 Match Guadeloupe
93 103 Match Guam
94 104 Match Guatemala
95 105 Match Guernsey
96 106 Match Guinea
97 107 Match Guinea-Bissau
98 108 Match Guyana

99 109 Match Haiti
100 110 Match Honduras
101 111 Match Hong Kong
102 112 Match Hungary
103 113 Match Iceland
104 114 Match India
105 115 Match Indonesia
106 116 Match Iran
107 117 Match Iraq
108 118 Match Ireland
109 119 Match Isle of Man
110 120 Match Israel
111 121 Match Italy
112 122 Match Jamaica
113 123 Match Japan
114 124 Match Jersey
115 125 Match Jordan
116 126 Match Kazakhstan
117 127 Match Kenya

118 128 Match Kiribati
119 129 Match Korea, North
120 130 Match Korea, Sout
https://www.calculator.net/currency-calcula 131 Match Kuwait
https://www.calculator.net/currency-calcula 132 Match Kyrgyzstan
https://www.calculator.net/currency-calcula 133 Match Laos
https://www.calculator.net/currency-calcul 134 Match Latvia
https://www.calculator.net/currency-calcula 135 Match Lebanon
https://www.calculator.net/currency-calcula 136 Match Lesotho
https://www.calculator.net/currency-calcula 137 Match Liberia
https://www.calculator.net/currency-calcula 138 Match Libya
https://www.calculator.net/currency-calcula 139 Match Liechtenste
https://www.calculator.net/currency-calcula 140 Match Lithuania
https://www.calculator.net/currency-calcul 141 Match Luxembourg
https://www.calculator.net/currency-calcula 142 Match Macau
https://www.calculator.net/currency-calcula 143 Match Macedonia
https://www.calculator.net/currency-calcula 144 Match Madagascar
https://www.calculator.net/currency-calcula 145 Match Malawi
https://www.calculator.net/currency-calcula 146 Match Malaysia

https://www.calculator.net/currency-calcula 147 Match Maldives
https://www.calculator.net/currency-calcula 148 Match Mali
https://www.calculator.net/currency-calcula 149 Match Malta
https://www.calculator.net/currency-calcula 150 Match Marshall Is
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=KPW Match Martinique
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=NOK& Match Mauritania
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=OMR Match Mauritius
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PKR& Match Mayotte
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=USD& Match Mexico
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PAB& ok Micronesia,
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PGK& Match Moldova
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PYG& Match Monaco
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PEN& Match Mongolia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PHP& Match Montserrat
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=NZD& Match Morocco
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=PLN& Match Mozambiqu
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=GBP& Match Namibia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=QAR& Match Nauru
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=RON& Match Nepal

https://www.calculator.net/currency-calculator.html?eamount=1&efrom=RUB& Match Netherland
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=RWF& Match Netherlands Antilles
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=MAD Match New Caledonia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SHP& Match New Zealan
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=WST& Match Nicaragua
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=STD& Match Niger
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SAR& Match Nigeria
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=RSD& Match N. Mariana
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SCR& Match Norway
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SLL& Match Oman
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SGD& Match Pakistan
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SBD& Match Palau
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SOS& Match Panama
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SOS& Match Papua New
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=ZAR& Match Paraguay
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=FKP& Match Peru
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=KRW Match Philippines
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SSP& Match Poland
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=LKR& Match Portugal

https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SDG& Match Puerto Rico
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SRD& Match Qatar
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SZL& ok Reunion
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SEK& Match Romania
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=CHF& Match Russia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=SYP& Match Rwanda
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TJS&e Match Saint Helena
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TZS& ok Saint Kitts
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=THB& Match Saint Lucia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TOP& ok St Pierre & Miquelon
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=RUB& Match Saint Vince
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TTD& Match Samoa
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=GBP& Match San Marino
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TND& ok Sao Tome & Principe
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TRY& Match Saudi Arabi
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=TMT& Match Senegal
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=AUD& Match Serbia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=UGX& Match Seychelles
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=UAH& Match Sierra Leon

https://www.calculator.net/currency-calculator.html?eamount=1&efrom=AED& Match Singapore
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=USD& Match Slovakia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=UYU& Match Slovenia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=UZS& Match Solomon Isl
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=VUV& Match Somalia
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=VEF& Match South Afric
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=VND& Match Spain
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=XOF& Match Sri Lanka
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=YER& Match Sudan
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=JPY& Match Suriname
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=ZMW Match Swaziland
https://www.calculator.net/currency-calculator.html?eamount=1&efrom=ZWL& Match Sweden
Match Switzerland
Match Syria
Match Taiwan
Match Tajikistan
Match Tanzania
Match Thailand
Match Togo
Match Tonga
ok Trinidad &
Match Tunisia
Match Turkey
Match Turkmenist
ok Turks & Caic
Match Tuvalu
Match Uganda
Match Ukraine
Match United Arab
Match United Kin
Match United Stat
Match Uruguay
Match Uzbekistan
Match Vanuatu
Match Venezuela
Match Vietnam
Match Virgin Islan
Match Wallis and Futuna

Match West Bank
Match Western Sahara
Match Yemen
Match Zambia
Match Zimbabwe
1056 1056 1056 1056 1056 1056 1056
6 7 8 9 10 11 12
% Chg Change High Low Open Prev Close Volume

% Chg Market Time Volume Avg Vol (3m) Avg Vol (10 day)Day Range Bid
2.21% 4:02 PM EST 1.21M 738.22k 1.59M 211.02 - 216.00 213
2.55% 4:00 PM EST 1.04M 975.69k 1.08M 246.00 - 253.65 250.01
### 4:00 PM EST 1.70M 472.31k 441.86k 287.00 - 309.19 296
1.79% 4:00 PM EST 4.06M 3.40M 4.69M 78.22 - 80.09 78.27
### 4:01 PM EST 24.05M 16.70M 13.25M 54.05 - 54.99 54.22
0.82% 4:00 PM EST 24.38M 28.68M 39.19M 174.33 - 176.24 176.6
% Chg Market Time Volume Avg Vol (3m) Avg Vol (10 day) Day Range Bid
### 4:00 PM EST 2.12M 1.80M 1.87M 81.67 - 81.79 81.43
### 4:00 PM EST 6.28M 7.97M 7.08M 125.55 - 126.24 125.75
### 4:00 PM EST 799.69k 927.07k 1.26M 114.10 - 114.32 113.82
### 6:45 PM EST - 0 0 -
0.40% 1:26 PM EST 1.35k 2.43k 1.64k 82.69 - 82.88 0
### 4:00 PM EST 651.73k 622.35k 638.04k 54.89 - 54.97 54
% Chg Market Time Volume Avg Vol (3m) Avg Vol (10 day) Day Range Bid
### 2:30 PM EST 5.29M 7.46M 5.38M 120.94 - 122.11 121.14
### 2:30 PM EST 6.52M 7.04M 7.57M 15.86 - 16.15 15.98
### 2:30 PM EST 9.81M 18.85M 21.12M 11.36 - 11.47 11.43
0.09% 2:17 PM EST 50.53k 189.33k 193.56k 5.31 - 5.32 5.32
### 2:06 PM EST 24.26k 50.27k 25.76k 34.98 - 35.24 35.07
### 2:05 PM EST 47.40k 267.73k 884.63k 15.82 - 15.92 15.87
0.13% 1:41 PM EST 62.40k 21.00k 13.70k 15.23 - 15.27 15.25
0.40% 1:50 PM EST 1.87M 3.13M 3.20M 84.85 - 85.48 85.28
0.24% 1:32 PM EST 57.84k 123.90k 105.68k 16.56 - 16.66 16.62
0.50% 1:42 PM EST 213.58k 439.90k 518.25k 42.04 - 42.31 42.25
0.12% 1:42 PM EST 62.16k 136.87k 316.65k 25.79 - 25.90 25.88
0.39% 1:47 PM EST 80.60k 121.12k 150.72k 94.60 - 95.27 95.08
### 4:00 PM EST 16.52M 28.34M 32.96M 173.40 - 174.50 173.8
0.06% 4:00 PM EST 22.65k 30.02k 33.73k 104.70 - 104.95 0
### 4:00 PM EST 898.16k 652.21k 618.43k 9.59 - 9.72 9.34
### 4:00 PM EST 1.03M 906.50k 796.02k 30.37 - 30.61 17.35
0.31% 4:00 PM EST 19.49M 18.02M 21.14M 38.40 - 39.13 38.77
### 4:00 PM EST 261.42M 58.54M 60.06M 18.75 - 20.75 19.04
0.15% 4:00 PM EST 6.25M 7.41M 6.03M 121.27 - 121.55 121.3
0.03% 4:00 PM EST 14.21M 23.23M 25.95M 146.34 - 146.83 146.37
1.28% 4:00 PM EST 2.20M 2.02M 2.09M 43.27 - 44.33 44.04
0.12% 4:00 PM EST 12.07M 29.58M 25.69M 153.10 - 154.07 153.76
0.00% 4:00 PM EST 167.46k 205.61k 157.48k 55.22 - 55.41 54.75
0.11% 4:00 PM EST 147.68k 187.54k 202.30k 52.59 - 52.82 51.45
0.12% 4:00 PM EST 203.50k 113.35k 202.40k 32.17 - 32.35 32.14
0.21% 4:00 PM EST 4.99M 7.99M 7.54M 124.31 - 124.81 124.13
Post-MkPost-Mkt % CPre-Mkt C Post-Mkt TimEPS (TTM) Trailing P/E Forward P

175 -0.01% - 7:54 PM EST 9.21 19 14.35
177 -0.11% - 7:59 PM EST 5.16 34.33 26.73
17.51 0.06% - 7:59 PM EST 0.81 21.6 16.99
152.5 -0.03% - 7:49 PM EST 11.99 12.72 10.96
45.53 -0.13% - 6:18 PM EST 1.04 43.92 23.03
85.59 0.09% - 7:57 PM EST 2.83 30.23 22.62
15.42 0.13% - 5:45 PM EST 4.38 3.51 -
267.4 -0.06% - 7:59 PM EST- - -
113.2 0.02% - 4:03 PM EST- - -
83.97 0.00% - 4:39 PM EST 3.07 27.32 19.85
Post-MkPost-Mkt % CPre-Mkt C Post-Mkt TimEPS (TTM) Trailing P/E Forward P
54.99 0.00% - 4:00 PM EST- - -
- - - - - - -
- - - - - - -
113.2 0.02% - 4:03 PM EST- - -
124.8 0.05% - 4:30 PM EST -3.15 - -
- - - - - - -
0.64% Dec 22 EST 100.42k 119.40k 143.54k 91.67 - 92.48 0
0.39% Dec 22 EST 172.76k 194.35k 155.24k 25.59 - 25.75 0
0.64% Dec 22 EST 627.38k 449.68k 500.63k 40.74 - 41.09 0
0.24% Dec 22 EST 138.36k 114.24k 103.04k 16.55 - 16.63 16.58
### Dec 22 EST 27.74k 27.65k 20.03k 15.61 - 15.68 0
0.69% Dec 22 EST 6.48M 3.82M 5.61M 81.22 - 81.94 0
1.30% 2:20 PM EST 4.72M 7.22M 5.25M 15.53 - 15.62 15.6
0.73% 2:21 PM EST 4.45M 6.50M 5.16M 121.52 - 121.86 121.84
0.36% 2:21 PM EST 415.49k 1.99M 1.94M 29.19 - 29.29 29.27
0.28% 2:13 PM EST 223.22k 890.15k 519.44k 30.71 - 30.89 30.82
### 2:19 PM EST 161.88k 233.78k 421.96k 32.95 - 33.04 33.03
### 2:21 PM EST 25.41M 26.18M 23.48M 169.68 - 171.47 170.54
### 2:21 PM EST 1.20M 3.59M 3.32M 155.70 - 156.98 155.84
### 2:20 PM EST 861.73k 2.69M 2.43M 256.00 - 259.20 256.63
1.38% 2:21 PM EST 997.03k 1.92M 1.37M 78.30 - 80.04 79.54
0.66% 2:21 PM EST 1.98M 3.79M 5.89M 81.70 - 82.46 82.34
0.76% 2:21 PM EST 635.51k 450.28k 551.94k 41.01 - 41.36 41.32
0.91% 2:21 PM EST 1.72M 3.86M 3.28M 84.30 - 85.42 85.29
0.11% 2:19 PM EST 22.90k 16.40k 20.52k 133.10 - 133.98 133.46
0.20% 1:08 PM EST 1.00k 912 1.06k 49.41 - 49.41 49.35
0.09% 2:19 PM EST 478.84k 1.80M 2.39M 105.03 - 105.20 105.13
0.16% 2:19 PM EST 37.76k 29.98k 81.78k 25.33 - 25.38 25.33
0.11% 2:20 PM EST 420.27k 1.03M 836.28k 113.16 - 113.35 113.28
0.02% 2:19 PM EST 259.48k 361.42k 523.74k 55.46 - 55.65 55.48
0.11% 2:06 PM EST 8.53k 20.80k 13.36k 26.37 - 26.41 26.4
### 2:09 PM EST 2.94k 11.09k 10.38k 105.71 - 105.93 105.71
ng (please select your currency
Philippine pesos is the

exchange rate we will use
to buy 1 US dollar.
your currency is required to buy 1 US
05 Philippine pesos to buy 1 US

x above by typing the right value.
latest Philippine pesos to US dollar
bove. Thanks
ency is not available in cell E9
mplete the lessons that deal with

e). If a link needs to be corrected for
on.
ippine Deposit Insurance
ROUNDF WITH THE INFORMATION BELOW,
HANKS : )
KS: [ch note: copy and paste their entire xls below]
13 14 15 16 17 18 19
Column 2 Column 3 Column 4 Column 5 Column 6 Column 7 Column 8
Name of tax goWebsite of taxPlease list on Enter the maximPlease enter theEnter only the dPlease enter the
Afghanistan R http://ard.mof.gov.af/en December 20thhttp://ard.mof.gov.af/en/pa
Albanian Taxathttps://www.tatime.gov.al/
Social Insura79800 Lek https://www.ssa.gov/policy/docs/progdesc/ssptw/2016-20
March 31st http://taxsummaries.pwc.c
Director General of Taxation Allocation fo36,000 dinars https://www.ssa.gov/policy/docs/progdesc/ssptw/2016-20

April 30th https://www2.deloitte.com
Income Tax Offhttps://www.americansamoa.gov/tax-office-page April 16th https://www.americansamo
Ministry of E https://www.finances.ad/ September 30t https://all-andorra.com/tax
$18,000
Finance Ministhttp://www.minfin.gov.ao/PortalMinfin/ https://www.ffsbangola.com/calculator/retire-401k
May 31st https://www2.deloitte.com
$18,000
Inland Revenu http://www.gov.ai/department.php?id=1&dept=6
https://www.bankofanguilla.com/calculator/retire-401k
Inland Revenu http://forms.gov.ag/bydepartment_form.php

Old Age Ass 3060 East Carihttp://www.pension-watch.net/pensions/country-fact-file/
March 31st http://forms.gov.ag/ird/pit/
Taxation Customs Social SecuPensiones As19320 pesos http://www.pension-watch.net/pensions/country-fact-file/

December 31st https://home.kpmg.com/xx
Tax Service http://www.petekamutner.am/DefaultTs.aspx?sid=ts

State Social 120804 Drams https://www.ssa.gov/policy/docs/progdesc/ssptw/2010-20
April 15th https://home.kpmg.com/xx
Department ofhttp://www.arubaeconomicaffairs.aw/index.php?option=com_content&task=view&id=32
July 15th https://home.kpmg.com/xx
Australia Taxathttps://www.ato.gov.au/
Superannuation Guaranteehttps://www.ato.gov.au/Individuals/Super/Super-and-tax/
October 31st https://home.kpmg.com/xx
Federal Minist https://english.bmf.gv.at/ http://www.pensionfundsonline.co.uk/content/country-pr

Pensionskas 80% of an individual's April
average 30th earnings
lifetime https://home.kpmg.com/xx
Ministry of Taxhttp://www.taxes.gov.az/?lang=_eng
Social Allow720 New manahttp://www.pension-watch.net/pensions/country-fact-file/
December 31st https://www.angloinfo.com
Ministry of Fi http://www.bahamas.gov.bs/finance/
Old Age Non2844 Bahamashttp://www.pension-watch.net/pensions/country-fact-file/
April 15th https://www.taxesforexpats
Ministry of Fi https://www.mof.gov.bh/ $17,500 http://www.militarybahrain.com/financial-benefits.html
National Boardhttp://nbr.gov.bd/
Old Age All 6000 Taka http://www.pensiondevelopment.org/documenten/Retire
September 30t https://home.kpmg.com/xx
Barbados Revehttps://bra.gov.bb/
Non-contribu7,176 Barbadohttp://www.pension-watch.net/pensions/country-fact-file/
Ministry of Ta http://www.minfin.gov.by/
Social Pensi 7274820 Belarhttp://www.pension-watch.net/pensions/country-fact-file/
March 20th https://www.google.com/se
Federal Public https://finance.belgium.be/en

IGO/GRAPA 3 ( 4128 euros http://www.pension-watch.net/pensions/country-fact-file/
Income Tax Dehttp://incometaxbelize.gov.bz/

Non-Contrib1200 Belize Dohttp://www.pension-watch.net/pensions/country-fact-file/
March 31st http://incometaxbelize.gov.
Government ofhttp://gouv.bj/ April 30th https://www2.deloitte.com
Office of the https://www.gov.bm/department/office-tax-commissioner

National Pe $10,000.00 https://www.issa.int/en/country-details?countryId=BM&re
March 31st https://home.kpmg.com/xx
Department ofhttp://portal.drc.gov.bt/drc/ August 31st http://portal.drc.gov.bt/drc
National Servi http://www.impuestos.gob.bo/

Renta Dignidad
3000orbolivianohttps://www.issa.int/en/country-details?countryId=BO&re
Renta Universal March 31st
de Vejez http://taxsummaries.pwc.c
Federal Minist http://www.fbihvlada.gov.ba/english/ministarstva/finansije.php
Botswana Unifhttp://www.burs.org.bw/
State old ag2640 pulas http://www.social-protection.org/gimi/gess/RessourcePDF
Department ofhttp://idg.receita.fazenda.gov.br/
Regime Geral 6850 https://www.issa.int/en/country-details?countryId=BR&re
de Previdência
reais Social April 30th https://home.kpmg.com/xx
Inland Revenu http://www.bvi.gov.vg/departments/inland-revenue-department-0
Ministry of Fi http://www.mof.gov.bn/ June 30th http://www.mof.gov.bn/ind
National Reve http://www.nap.bg/en/

Social Insurance of gross income for e April 30th
8.05%Code https://www2.deloitte.com
Director General of Taxation April 30th https://www2.deloitte.com

Internal Reve http://www.irdmyanmar.gov.mm/ June 30th https://www2.deloitte.com
Burundi Revenhttps://english.obr.bi/
General Departhttp://www.tax.gov.kh/en/
Directorate Gehttp://www.impots.cm/?hl=en_US March 15th http://taxsummaries.pwc.c
Canada Reven https://www.canada.ca/en/revenue-agency.html

R.R.S.P. $26,010.00 https://www.canada.ca/en/revenue-agency/services/tax/i
Ministry of Fi http://www.mf.gov.cv/ May 31st http://www.pkf.com/media
Tax Informatiohttp://www.tia.gov.ky/
Central African Rep. N/A
Direction Generale des Impots
Servicio de Im http://www.sii.cl/
Sistema de P984696 pesos http://fortune.com/2015/10/29/u-s-learn-from-chile-retir
March 1st https://www2.deloitte.com
State Administrhttp://www.chinatax.gov.cn/2013/n2925/
Basic Pension Insurance fohttp://www.pension-watch.net/pensions/country-fact-file/
Direction de I http://www.dian.gov.co/ October 21st https://medellinliving.com/

Programa Co720000 pesos https://www.oecd.org/pensions/Colombia-pension-marke
Minister of Finances
Ministry of Fi www.minfinrdc.com/ January 10th https://www2.deloitte.com
Direction genehttp://impots-gouv.cg/
Cook Islands Mhttp://www.mfem.gov.ck/ March 1st http://www.mfem.gov.ck/ta
Ministry of Fi http://www.hacienda.go.cr/
Operadoras de Pensiones (OP)
General Direction of Taxes
Ministry of Fi http://www.mfin.hr/en/tax-administration February 28th https://home.kpmg.com/xx

National Bureau of Tax Administration April 18th http://www.cubafinancialgr
Ministry of Fi http://mof.gov.cy/gr/ € 1,046 http://infocyprus.com/citizen/pensioners/old-age-retireme

Ministry of Fi http://www.mfcr.cz/en/
důchodové po
CZK150.00 http://www.oecd.org/finance/private-pensions/42565663
April 1st https://home.kpmg.com/xx
Danish Tax & Chttp://skat.dk/skat.aspx?oid=2244281

Folkepension May 1st https://home.kpmg.com/xx
Djibouti Ministhttp://www.ministere-finances.dj/
Inland Revenuehttp://ird.gov.dm/ $3,600.00 https://www.issa.int/en/country-details?countryId=DM&re

March 31st http://ird.gov.dm/tax-due-d
Direccion Genehttp://www.dgii.gov.do/Paginas/inicio.aspx
5656 pesos March 31st https://www2.deloitte.com
Timor-Leste Mihttps://www.mof.gov.tl/ March 31st https://www.mof.gov.tl/tax
Servicio de Re http://www.sri.gob.ec/web/guest/home
Pension para$420 USD March 28th https://home.kpmg.com/xx
Income Tax Authttp://www.mof.gov.eg/English/About%20MOF/Pages/Egyptian%20Tax%20Authority.aspx
Ministry of Fi http://www6.mh.gob.sv/
Pension Basica
$600
Universal
USD April 30th https://www2.deloitte.com
Equatorial Guinea Social Insurance System
Ministry of Finance
Tax and Custo https://www.emta.ee/eng March 31st https://www.workinestonia
Ethiopian Rev http://www.erca.gov.et/ April 18th https://et.usembassy.gov/u
TAKS http://www.taks.fo/en/individuals/tax/ July 1st http://www.faroelaw.fo/get
Fiji Revenue a http://www.frcs.org.fj/ March 31st https://home.kpmg.com/xx
Finnish Tax Ad https://www.vero.fi/en/individuals/

Kansanelake7644 euros http://www.pension-watch.net/pensions/country-fact-file/
May 16th https://home.kpmg.com/xx
Directorate Gehttps://www.economie.gouv.fr/
Fonds de rés2664 euros March 1st https://home.kpmg.com/xx
Public Finances
Direction Des http://www.impot-polynesie.gov.pf/ March 31st https://www.taxfreehaven.
Direction General des Impots March 1st https://oxfordbusinessgrou
Gambia Revenue Authority March 31st http://www.gra.gm/sites/10
Gaza/Palestinian Territories N/A
Department ofhttps://dor.georgia.gov/ March 31st https://home.kpmg.com/xx
Federal Minist http://www.bundesfinanzministerium.de/Web/EN/Home/home.html

gesetzliche 69 489 euros https://www.issa.int/en/country-details?countryId=DE&re
May 31st https://home.kpmg.com/xx
Ghana Revenue
http://www.gra.gov.gh/ April 30th https://home.kpmg.com/xx
Income Tax Offhttps://www.gibraltar.gov.gi/new/income-tax-office

Income Tax Office November 30thhttps://www2.deloitte.com
General Secretariat for Public Revenue June 30th https://home.kpmg.com/xx
Ministry of Fi http://naalakkersuisut.gl/en/Naalakkersuisut/Departments/Finans-Skatterhttps://home.kpmg.com/xx
October 6th
Inland Revenuehttp://www.ird.gd/ EC$2400 https://www.issa.int/en/country-details?countryId=GD&re

April 30th http://www.nowgrenada.co
State Services of Guadeloupe
Guam Departme
https://www.guamtax.com/ April 15th https://www.guamtax.com/
Tax Authority of Guatemala March 31st http://taxsummaries.pwc.c
Income Tax Authttps://www.gov.gg/tax November 30thhttps://www.gov.gg/tax
Presidency of http://www.presidence.gov.gn/
Guinea-Bissau Pension Fund
Guyana Revenuhttp://www.gra.gov.gy/ G$114 785.216 April 30th http://www.gra.gov.gy/pub

Direction Genehttps://dgi.gouv.ht/
Direction General des Impots April 30th http://ufdc.ufl.edu/AA0000
Secretary of F http://www.sefin.gob.hn/ 2664 lempirashttps://www.issa.int/en/country-details?countryId=HN&re

HKD 5000 http://www.pensionfundsonline.co.uk/content/country-pr

Inland Review http://www.ird.gov.hk/eng/welcome.htm June 2nd http://www.ird.gov.hk/eng/
National Tax a https://en.nav.gov.hu/ 273600 Forintshttp://www.pension-watch.net/pensions/country-fact-file/

Idoskoruak jaradek May 20th https://home.kpmg.com/xx
Ministry of Fi https://eng.fjarmalaraduneyti.is/ministry/departments/nr/921
March 15th https://home.kpmg.com/xx
Income Tax Dehttp://www.incometaxindia.gov.in/Pages/default.aspx

Indira Gandh2400 Rupees July 31st https://home.kpmg.com/xx
Ministry of Fi https://www.kemenkeu.go.id/en
Asistensi So 1752000 Rupiahttps://www.issa.int/en/country-details?countryId=ID&reg
Iranian Nation http://en.intamedia.ir/pages/default.aspx July 22nd http://en.intamedia.ir/page
Ministry of Fi http://www.mof.gov.iq/Pages/MainMof.aspx March 31st https://www2.deloitte.com
Revenue: Irish https://www.revenue.ie/en/Home.aspx

Contributory State Pensio https://www.issa.int/en/country-details?countryId=IE&reg
October 31st https://home.kpmg.com/xx
Isle of Man Trehttps://www.gov.im/about-the-government/departments/the-treasury/

October 6th https://home.kpmg.com/xx
Israel Tax Authhttps://taxes.gov.il/English/Pages/HomePageENG.aspx May 31st https://home.kpmg.com/xx
Italian Agency https://www1.agenziaentrate.gov.it/english/ September 30t https://home.kpmg.com/xx
Tax Administrahttps://www.jamaicatax.gov.jm/
SuperannuatJ$37500 https://www.issa.int/en/country-details?countryId=JM&re
March 15th https://www.jamaicatax.go
National Tax A https://www.nta.go.jp/foreign_language/

Nihonnenkin195120 yen https://www.issa.int/en/country-details?countryId=JP&reg
March 15th https://home.kpmg.com/xx
N/A October 15th http://www.taxextension.co
Ministry of Fi http://www.mof.gov.jo/en-us/abouttheministry/theministryoffinance.aspxhttps://www2.deloitte.com
April 30th
State Revenue http://kgd.gov.kz/en March 31st https://home.kpmg.com/xx
Kenya Revenuehttp://www.revenue.go.ke/ http://www.pension-watch.net/pensions/country-fact-file/

Older Person24000 Kenya Sh April 20th http://www.kra.go.ke/notic
Ministry of F http://www.mfed.gov.ki/ June 30th http://www.revenue.go.ke/
Korea, North N/A
National Tax S http://www.nts.go.kr/eng/ 183600 Wonhttps://www.ssa.gov/policy/docs/progdesc/ssptw/2014-20

Ministry of Fi http://www.mof.gov.kw/ December 31st http://taxsummaries.pwc.c
Ministry of Fi http://www.minfin.kg/ April 1st https://www2.deloitte.com
Ministry of Fi http://tax.gov.la/Eng_WebPAges/About.aspx
Ministry of Fi http://www.fm.gov.lv/en/ministry_of_finance/ June 1st https://home.kpmg.com/xx
Ministry of Fi http://www.finance.gov.lb/en-us April 1st https://www2.deloitte.com
Lesotho Revenu
http://www.lra.org.ls/ March 31st http://www.lra.org.ls/sites/
Liberia Revenue Authority March 31st http://www.lra.org.ls/sites/
Ministry of Finance March 10th http://www.worldwide-tax.
Ministry for G http://www.regierung.li/ministries/ministry-for-general-government-affairs-and-finance/

July 1st http://taxsummaries.pwc.c
Ministry of Finhttps://finmin.lrv.lt/en/ May 1st https://home.kpmg.com/xx
Direct Tax Admhttp://www.impotsdirects.public.lu/fr.html March 31st https://home.kpmg.com/xx
Financial Servihttp://www.dsf.gov.mo/?lang=en February 28th https://home.kpmg.com/xx
Ministry of Fi http://www.ujp.gov.mk/ March 15th https://www2.deloitte.com
Ministry of Fi www.mefb.gov.mg/ May 15th https://sataxguide.wordpre
Malawi Revenuhttp://www.mra.mw/ June 30th https://sataxguide.wordpre
Inland Revenuehttp://www.hasil.gov.my/ April 30th https://home.kpmg.com/xx

Maldives Inlanhttps://www.mira.gov.mv/Default_Eng.aspx December 28thhttps://www.mira.gov.mv/f
Ministry of Ec http://www.finances.gouv.ml/
Inland Revenu https://ird.gov.mt/ July 7th http://yesitmatters.com/ma
Ministry of Fi http://rmi-mof.com/
Ministry of Finhttp://finance.govt.lc/
Ministry of Fi http://www.finances.gov.mr/
Mauritius Revewww.mra.mu/ September 30t http://www.mra.mu/index.
N/A
Secretariat of http://www.shcp.gob.mx/
Pension Prog7288 pesos https://en.wikipedia.org/wiki/Pension_Program_for_the_E
Department ofhttp://dofa.gov.fm/
State Tax Serv http://old.fisc.md/en/links/site/linkuri_externe/
Department ofhttp://en.gouv.mc/Government-Institutions/The-Government/Ministry-of-Finance-and-Economy/Dep
September 15t http://kpmonaco.com/impo
General Departhttp://zasag.mn/en/m/taxation February 15th https://home.kpmg.com/xx
Ministry of F http://finance.gov.ms/
Ministry of Ec https://www.finances.gov.ma/en/SitePages/home.aspx March 1st https://home.kpmg.com/xx
Mozambique Revenue Authority March 31st https://sataxguide.wordpre
Inland Revenu http://www.mof.gov.na/inland-revenue June 30th https://home.kpmg.com/xx
Ministry of Fi http://www.naurugov.nr/government/departments/department-of-finance/department-of-finance-an
Inland Revenuehttps://ird.gov.np/
Dutch Tax Offichttps://www.iamexpat.nl/expat-info/organisations/belastingdienst-dutch-tax-office-netherlands
Netherlands Antilles N/A May 31st https://home.kpmg.com/xx
New Caledonia N/A March 31st https://www.pwc.com/nc/e
Inland Revenu https://www.ird.govt.nz/ July 7th https://home.kpmg.com/xx
The General Dihttp://www.dgi.gob.ni/

Pensionado 34,756 córdobhttps://www.issa.int/en/country-details?countryId=NI&reg
N/A January 31st https://www.vanguardngr.c
Federal Inland http://www.firs.gov.ng/Pages/Default.aspx March 31st http://ngex.com/business/l
www.finanse.
Department ofhttp://www.cnmidof.net/
mf.gov.pl/de/ April 15th https://www.saipantribune
tax-
administratio
Norwegian Taxhttp://www.skatteetaten.no/en/person/
n April 30th https://home.kpmg.com/xx
www.finanse.
mf.gov.pl/de/
Secretariat Genhttps://tms.taxoman.gov.om/portal/web/taxportal/home
tax-
administratio
n
Federal Board http://www.fbr.gov.pk/
www.finanse. November 30thhttp://www.fbr.gov.pk/Orde
mf.gov.pl/de/
Bureau of Revetax-
http://palaugov.pw/bureau-of-revenue-customs-taxation/
administratio
n
Inter-Americanwww.finanse.
https://www.ciat.org/ March 15th https://home.kpmg.com/co
mf.gov.pl/de/
tax-
Internal Reve administratio
http://irc.gov.pg/ February 28th https://home.kpmg.com/xx
n
www.finanse.
Ministry of Fi mf.gov.pl/de/
http://www.hacienda.gov.py/web-hacienda/index.php
tax-
administratio
Ministry of Pu n
http://www.mpfn.gob.pe/
Sistema Nacional
12897de
nuevos https://www.issa.int/en/country-details?countryId=PE&reg
Pensiones April 8th https://home.kpmg.com/xx
www.finanse.
mf.gov.pl/de/
Bureau of Inte tax-
https://www.bir.gov.ph/ P100,000 http://business.inquirer.net/28339/retirement-funds-get-b
administratio
n
Tax Administra April 30th https://home.kpmg.com/xx
General Directhttp://www.dgci.min-financas.pt/ May 31st https://home.kpmg.com/xx

Department ofhttp://www.hacienda.gobierno.pr/ https://www.towerswatson.com/en/Insights/Newsletters/
November 6th https://www.pwc.com/gx/e
Public Revenu https://www.mof.gov.qa/en/Departments/UndersecretaryforFinancialAffairs/TaxandPublicRevenuesD
N/A
Ministry of Public Finance May 25th https://www2.deloitte.com
Federal Tax Aghttps://www.nalog.ru/rn77/RUB 600,00http://www.pensionfundsonline.co.uk/content/country-pr

July 15th http://www.cfe-eutax.org/t
Rwanda Revenu
http://www.rra.gov.rw/index.php?id=82
Saint Helena N/A June 30th http://www.sainthelena.go
Inland Revnue https://www.sknird.com/ EC$3900 https://www.issa.int/en/country-details?countryId=KN&re

April 15th https://www.sknird.com/In
Internal Reve http://irdstlucia.gov.lc/ EC$3000 https://www.issa.int/en/country-details?countryId=LC&reg

March 31st http://www.irdstlucia.gov.lc
St Pierre & Miquelon N/A
Inland Revenue Department March 31st https://www2.deloitte.com
Ministry for R http://www.revenue.gov.ws/ March 31st http://www.revenue.gov.ws
Finance and B http://www.sanmarino.sm/on-line/en/home/public-administration/departments/finance-and-budget
Sao Tome & Principe Social Insurance Pension
Ministry of Fi https://www.mof.gov.sa/en
Ministry of Ec http://www.finances.gouv.sn/
Ministry of Finhttp://www.mfin.gov.rs/?change_lang=en May 15th https://home.kpmg.com/xx
Seychelles Re https://www.src.gov.sc/
National Revenhttp://nra.gov.sl/ April 30th http://nra.gov.sl/news/dead

Inland Revenuehttp://www.iras.gov.sg/ April 15th https://home.kpmg.com/xx
Ministry of Fi http://www.finance.gov.sk/en/ March 31st http://www.cfe-eutax.org/t
Financial Admin
http://www.fu.gov.si/en/ July 31st https://home.kpmg.com/xx
Solomon Islan http://www.ird.gov.sb/ March 31st http://www.ird.gov.sb/Fron
Ministry of Fi http://mof.gov.so/en/ April 18th http://www.dor.ms.gov/Ind
South African http://www.sars.gov.za/ R350,000 http://www.pensionfundsonline.co.uk/content/country-pr

November 24thhttp://www.sars.gov.za/Tax
€ 12,000
Agencia Estatahttp://www.agenciatributaria.es/AEAT.internet/en_gb/Inicio.shtml
http://www.pensionfundsonline.co.uk/content/country-pr
June 30th https://home.kpmg.com/xx
Department ofhttp://www.inlandrevenue.gov.lk/ November 30thhttps://home.kpmg.com/xx
Ministry of Fi http://grss-mof.org/ April 1st https://www2.deloitte.com
Ministerie van http://www.gov.sr/ministerie-van-financiën.aspx April 15th https://home.kpmg.com/xx
Swaziland Revehttp://www.sra.org.sz/ November 30thhttp://www.sra.org.sz/
Swedish Tax Aghttps://www.skatteverket.se/servicelankar/otherlanguages/inenglish.4.12815e4f14a62bc048f4edc.ht

May 2nd https://home.kpmg.com/xx
Federal Tax Adhttp://www.estv.admin.ch/ March 31st http://www.lpg-fiduciaire-d
Ministry of Fi http://www.syrianfinance.gov.sy/english/home.html March 31st https://www2.deloitte.com
National Taxat https://www.ntbt.gov.tw/etwmain?site=en May 31st https://home.kpmg.com/xx
Ministry of Fi https://www.minfin.tj/ April 1st https://www2.deloitte.com
National Tax A http://www.tra.go.tz/ December 29thhttp://www.tra.go.tz/index.
The Revenue http://www.rd.go.th/publish/6013.0.html March 31st https://home.kpmg.com/xx
Ministry of Ec http://www.finances.gouv.tg/fr
Tonga Ministr http://www.revenue.gov.to/ August 31st http://www.revenue.gov.to
Ministry of Fi http://www.ird.gov.tt/
Senior CitizeTT$5760 http://www.pension-watch.net/country-fact-file/trinidad-a
April 30th http://www.ird.gov.tt/Medi
Ministry of Fi http://www.finances.gov.tn/ December 5th https://home.kpmg.com/xx
Revenue Adminis
http://www.gib.gov.tr/ March 25th https://home.kpmg.com/xx
Ministry of Fi http://www.minfin.gov.tm/
Ministry of Fi https://www.gov.tc/ministry-of-finance-investment-and-trade/
March 31st https://tax.sovos.com/aeoi-
Ministry of Finance and Economic Planning
Uganda Revenuhttp://www.ugrevenue.com/ December 31st https://home.kpmg.com/xx
State Fiscal Se http://sfs.gov.ua/en/ April 30th https://home.kpmg.com/xx
Ministry of Fi https://www.mof.gov.ae/En/Pages/default.aspx April 15th https://www.taxesforexpats
Basic State £40,000

Inland Revenu http://www.inlandrevenue.gov.uk/ http://www.telegraph.co.uk/pensions-retirement/financia
October 5th https://home.kpmg.com/xx
401(k) IRA$18,500
Internal Revenhttps://www.irs.gov/ https://www.usa.gov/retirement
Ministry of Ec https://www.mef.gub.uy/
Programa de
92304
Pensiones http://www.pension-watch.net/country-fact-file/uruguay/
December 31st https://www.greenbacktaxs
pesos No-Contributivas
Ministry of Fi https://www.mf.uz/en http://repository.usp.ac.fj/8568/1/Vanuatu_Social_Protecti

April 1st https://www2.deloitte.com
Vanuatu Custohttps://customsinlandrevenue.gov.vu/ December 27thhttps://customsinlandreven
Ministry of Ec http://www.mefbp.gob.ve/ 4% of your https://www.ssa.gov/policy/docs/progdesc/ssptw/2010-20

https://www.towerswatson.com/en/Insights/Newsletters/
Ministry of Fi http://www.mof.gov.vn/ $600
Retirement Plans Frequently Asked Questions FAQs | Inter

$18,500
Tax Collector's http://ltg.gov.vi/tax-collectors-office.html April 15th https://www.turbosolution
Wallis and Futuna N/A

West Bank N/A
Western Sahara N/A
Central Bank http://www.centralbank.gov.ye/read.aspx?NewsID=129&Keyid=63

April 30th https://www2.deloitte.com
Zambia Revenuhttp://www.zra.org.zm/ June 21st https://home.kpmg.com/xx
Revenue Author
http://www.zimra.co.zw/ April 30th https://home.kpmg.com/xx
1056 1056 1056 1056 1056 1056 1056
13 14 15 16 17 18 19
Avg Vol 52-Wk High 52-Wk Low

(3m) 52-Wk Low 52-Wk High Chg Chg Market Time Day Range
Bid Size Ask Ask Size Prev Close Float Open High
2,500 215.99 1,000 209.56 - 212.59 216
300 253.7 500 244.5 - 246 253.65
5 297.99 3 265.47 - 297 309.19
1 79.98 1 78.18 - 78.64 80.09
700 54.4 500 55.05 - 54.8 54.99
2 176.64 800 174.81 - 174.66 176.24
400 81.93 1,300 81.83 - 81.75 81.79
1 125.99 1 126.36 - 125.87 126.23
300 114.99 1,500 114.23 - 114.12 114.32
- - - 25.33 - - -
0 0 0 82.5455 - 82.75 82.8774
100 58.2 100 55.09 - 54.97 54.97
2,100 121.15 4,300 122.13 - 121.99 122.11
103,100 15.99 87,000 16.07 - 16.1 16.15
215,700 11.44 176,400 11.46 - 11.48 11.47
37,800 5.33 128,600 5.32 - 5.34 5.32
100 35.1 4,200 35.25 - 35.17 35.24
29,000 15.91 21,400 15.9 - 15.91 15.92
38 15.27 1 15.25 - 15.26 15.27
1,600 85.29 500 84.93 - 84.98 85.48
0 16.63 0 16.59 - 16.56 16.66
1 42.26 22 42.07 - 42.15 42.31
1,100 25.89 100 25.86 - 25.83 25.9
1,600 95.1 1,100 94.71 - 94.84 95.27
20 173.95 5 174.67 - 173.5 174.5
0 0 0 104.79 - 104.95 104.95
750 9.75 10 9.68 - 9.69 9.72
1 32 50 30.78 - 30.37 30.61
1 39 50 38.83 - 38.62 39.13
10 19.07 96 20.49 - 20.26 20.75
1 121.57 4 121.13 - 121.43 121.55
20 146.43 7 146.57 - 145.93 146.83
19 44.4 19 43.68 - 43.48 44.33
11 153.78 51 153.68 - 153.12 154.07
2 0 0 55.25 - 55.33 55.41
17 53.68 16 52.73 - 52.62 52.82
20 32.45 20 32.28 - 32.17 32.35
5 124.59 1 124.1 - 124.8 124.81
Div PaymentEx-Div Date Div/Share Forward Annua

Forward Annua
Trailing AnnuaTrailing Annua
### ### 2.4 2.52 1.44% 2.4 1.37%
- - - - - - -
1/25/2018 9/15/2017 0.96 0.48 2.70% 0.96 5.50%
12/9/2017 11/9/2017 5.8 6 3.91% 5.8 3.83%
### ### 1.46 1.48 3.25% 1.46 3.20%
3/8/2018 2/14/2018 1.56 1.68 1.94% 1.59 1.86%
- - - - 0.00% - -
- - - - 1.86% - -
- - - - 1.72% - -
### ### 3.04 3.08 3.71% 3.04 3.63%
Div PaymentEx-Div Date Div/Share Forward Annua
Forward Annua
Trailing AnnuaTrailing Annua
6/7/2017 - - - 1.75% - -
8/7/2015 - - - 0.00% - -
- - 0.08 0.08 4.09% - -
- - - - 1.72% - -
6/7/2017 - - - 2.50% 3.12 2.50%
- - - - 2.46% - -
0 0 0 91.73 - 91.79 92.48
0 0 0 25.64 - 25.59 25.75
0 0 0 40.76 - 40.78 41.09
0 16.62 0 16.57 - 16.55 16.63
0 0 0 15.64 - 15.68 15.68
0 0 0 81.27 - 81.32 81.95
1,129 15.61 2,292 15.4 - 15.55 15.6194
85 121.85 1 120.94 - 121.55 121.86
250 29.28 330 29.17 - 29.2 29.285
32 30.83 30 30.73 - 30.68 30.89
5 33.04 48 33.11 - 33.02 33.04
4 170.55 3 175.01 - 170.8 171.47
2 155.87 2 155.75 - 156.04 156.98
3 256.68 1 258.97 - 258.19 259.2
4 79.61 2 78.48 - 78.3 80.04
19 82.35 4 81.83 - 81.85 82.46
10 41.33 103 41.02 - 41.05 41.36
9 85.32 2 84.59 - 84.59 85.42
1 133.63 2 133.45 - 133.28 133.98
25 49.42 25 49.31 - 49.41 49.41
17 105.14 68 105.04 - 105.05 105.2
54 25.37 1 25.34 - 25.34 25.38
6 113.29 3 113.18 - 113.21 113.35
3 55.49 2 55.47 - 55.5 55.65
2 26.41 11 26.37 - 26.33 26.41
2 105.75 2 105.91 - 105.92 105.931
20 21 22 23 24 25
Column 9 Column 10 Column 11 Column 12 Column 13 Column 14:
List the #1 larg List the #2 larg List the #3 larg List the #4 larg List the #5 largest bankList the name of an
Afghanistan Int Azizi Bank Bakhtar Bank Da Afghanistan Maiwand Bank

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l’Agriculture et
du
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BUTTERFIELD BHSBC BANK OF CLARIEN BANK BERMUDA COMMERCIAL BANK LTD. (BHeritage Education
Bank of BhutanBhutan NationaDRUK PNB BANKROYAL MONETAT BANK LTD

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Económico S.
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1056 1056 1056 1056 1056 1056
20 21 22 23 24 25
52-Wk High 52-Wk Low Trailing Annual

Shares Out Chg % Chg % Book Val Div Payment Date Div Yield
,Symbol,Company Name,Market Cap,Last Price,%
52-Wk High
Low 52-Wk High 52-Wk Low Chg 52-Wk High Chg % 52-Wk Low Chg
211.02 216 82.5 -1.81 -0.84% 131.69
246 253.65 87.19 -0.91 -0.36% 165.55
287 309.19 115 -11.95 -3.86% 182.24
78.22 97.77 75.21 -18.19 -18.60% 4.37
54.05 59.99 46 -5.73 -9.55% 8.26
174.33 176.24 104.08 0 0.00% 72.16
Low 52-Wk High 52-Wk Low 52-Wk High 52-Wk High Chg %52-Wk Low Chg
81.67 82.71 80.02 -0.96 -1.16% 1.73
125.55 129.57 116.49 -3.57 -2.76% 9.51
114.1 115.46 110.9 -1.25 -1.08% 3.31
- 25.38 23.36 -0.13 -0.51% 1.89
82.685 86.1 75.36 -3.2226 -3.74% 7.5174
54.89 55.18 53.56 -0.27 -0.49% 1.35
120.93 128.32 107 -7.2001 -5.61% 14.1199
15.85 17.59 14.44 -1.61 -9.18% 1.54
11.36 12 8.65 -0.6 -5.00% 2.75
5.31 5.36 4.64 -0.04 -0.65% 0.68
34.98 37.3 27.93 -2.2217 -5.96% 7.1483
15.82 16.07 13.17 -0.19 -1.18% 2.71
15.23 15.74 13.75 -0.47 -2.99% 1.52
84.85 86.16 78.02 -0.89 -1.03% 7.25
16.56 16.86 14.85 -0.23 -1.36% 1.78
42.04 42.48 38.65 -0.199 -0.47% 3.631
25.79 26.43 24.24 -0.54 -2.04% 1.65
94.6 96.57 88.25 -1.49 -1.54% 6.83
173.4 176.24 104.08 -2.27 -1.29% 69.89
104.7 106.25 99.85 -1.4 -1.32% 5
9.59 9.91 7.4 -0.27 -2.72% 2.24
30.37 31.61 20.8 -1.03 -3.26% 9.78
38.4 44.03 31.04 -5.08 -11.54% 7.91
18.75 32.38 18.75 -13.36 -41.26% 0.27
121.27 128.32 107 -7.01 -5.46% 14.31
146.34 150.68 128.3 -4.06 -2.69% 18.32
43.27 47 39.06 -2.76 -5.87% 5.18
153.1 154.54 114.03 -0.67 -0.43% 39.84
55.22 56.1 54.14 -0.85 -1.52% 1.11
52.59 53.27 46.11 -0.48 -0.90% 6.68
32.17 32.45 25.53 -0.13 -0.40% 6.79
124.31 129.57 116.49 -5.21 -4.02% 7.87
Market Cap Book Val Price/Book Price/Sales EBITDA Earnings Date

898.56B 26.15 6.69 3.92 71.50B 01/29/2018 - 02
514.91B 24.52 7.23 14.11 20.27B 01/30/2018 - 02
151.76B 8.78 1.99 1.25 17.73B 01/18/2018 - 01
141.18B 21.2 7.19 1.8 16.84B 01/17/2018 - 01
194.24B 5.19 8.78 5.21 10.95B 2/13/2018
659.67B 11.61 7.36 7.13 32.11B 1/31/2018
5.55B 18.37 0.84 - -
260.75B - - - -
22.87B - - - -
355.79B 43.02 1.95 1.6 30.41B 2/2/2018
Market Cap Book Val Price/Book Price/Sales EBITDA Earnings Date
- - - - -
- - - - -
- - - - -
22.87B - - - -
6.84B 121.65 1.03 - -
- - - - -
91.67 96.57 89.62 -4.25 -4.40% 2.7
25.59 26.68 24.6 -0.94 -3.52% 1.14
40.72 42.54 39.38 -1.52 -3.57% 1.64
16.55 16.86 15.67 -0.25 -1.48% 0.94
15.61 15.88 14.01 -0.25 -1.57% 1.62
81.22 86.16 79.98 -4.34 -5.04% 1.84
15.53 17.59 14.44 -1.9901 -11.31% 1.1599
121.52 128.32 108.24 -6.5 -5.06% 13.58
29.19 29.52 25.58 -0.2453 -0.83% 3.6947
30.71 31.61 23.13 -0.8 -2.52% 7.69
32.955 33.38 26.258 -0.355 -1.06% 6.767
169.68 177.2 114.76 -6.75 -3.81% 55.69
155.7 156.98 90.34 -1.25 -0.80% 65.39
256 262.14 209.62 -5.33 -2.03% 47.19
78.3 80.04 47.26 -0.48 -0.60% 32.3
81.7 86.16 79.98 -3.79 -4.40% 2.39
41.01 42.54 39.38 -1.21 -2.84% 1.95
84.3 88.98 58.66 -3.62 -4.07% 26.7
133.1 137.42 116.71 -3.8235 -2.78% 16.8865
49.4099 49.96 49.31 -0.5501 -1.10% 0.0999
105.03 108.81 103.69 -3.68 -3.38% 1.44
25.33 25.61 25.33 -0.23 -0.90% 0.05
113.16 115.46 112.2 -2.16 -1.87% 1.1
55.46 55.77 48.94 -0.29 -0.52% 6.54
26.37 26.78 21.97 -0.38 -1.42% 4.43
105.705 106.88 93.14 -1.175 -1.10% 12.565
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26 27 28
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https://www.aib.af/ http://azizibank.af/new/cms/home
https://www.norad.no/en/toolspublications/publications/ngo-evaluations/2013/external-evaluation-of-save-the-chi
https://www.rb.cz/en/phttp://www.bkt.com.al/bktMain.as
http://www.bank-of-
algeria.dz/ http://www.bna.dz/index.php/fr/
https://www.andbank.chttps://www.morabanc.ad/en/
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https://www.bancobai. https://www.bancoyetu.ao/
http://dr.scotiabank.com/ai/en/0,,4165,00.html
http://anguillachamber http://www.scotiabank.com/ai/en/0
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https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&ved=0ahUKEwi_tr_vuJTYAhUB8mMKHe4K
https://www.inecoba https://www.ameriabank.am/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwjeo-y_uZT
https://aib.ie/ https://www.arubabank.com/
https://www.moneysmart.gov.au/managing-your-money/saving/saving-for-your-childrens-education
https://www.commbankhttps://www.westpac.com.au/
https://ec.europa.eu/education/sites/education/files/monitor2016-at_en.pdf
https://www.erstegrou http://www.rbinternational.com/
https://www.ibar.az/en/https://kapitalbank.az/
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https://www.sc.com/bh/personal-banking/wealth-management/bancassurance/education-plan/en/
http://www.ahliunited. https://www.bank-abc.com/En/Page
http://bankinfobd.com/dps/children-education-plan
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https://republicbarbad https://www.rbcroyalbank.com/per
http://www.fransabank.com/English/BusinessActivities/ConsumerBanking/InsuranceSavings/Pages/Fransajeunesse-
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https://books.google.com/books?id=-aHVAgAAQBAJ&pg=PA104&lpg=PA104&dq=belgium+education+savings+plan&
https://www.argenta.behttps://www.bnpparibasfortis.be/
http://dr.scotiabank.com/bz/cda/content/0,1679,CCDbz_CID6377_LIDen_SID60_YID14,00.html#e
http://www.scotiabank.com/ca/en/0,,2,00.html
https://www.cibc.com/fcib/
http://benineducationfund.org/blog/
https://www.afdb.org/en
http://icbank.cf/cgi-sys/suspendedp
https://www.heritageesp.com/bermuda
https://www.bob.bt/ http://www.bnb.bt/
http://siteresources.worldbank.org/INTWDR2004/Resources/17971_Newmann-Bolivia.pdf
https://www.bcp.com.bhttp://www.bb.com.br/portalbb/jsp
https://www.raiffeisenbhttps://www.unicredit.ba/ba/stanov
https://www.bw.barclayhttps://www.sc.com/bw/
https://financiamentos https://internetbanking.caixa.gov.b
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https://www.cibc.com/fchttps://online.nationalbank.vg/Rad
https://www.baiduri.co http://www.bibd.com.bn/personal/
https://ec.europa.eu/education/sites/education/files/monitor2017-bg_en.pdf
https://www.unicreditbuhttps://dskbank.bg/
https://www.globalpartnership.org/country/burkina-faso
https://www.bceao.int/https://www.bank-of-africa.net/en
https://www.export.gov/article?id=Burma-Education
http://www.meb.gov.m http://www.mof.gov.mm/en/conten
https://www.unicef.org/about/annualreport/files/Burundi_2015_COAR.pdf
http://www.brb.bi/ http://www.finbank.co.bi/
http://www.veille.univ-ap.info/media/pdf/pdf_1436325627550.pdf
https://www.acledabanhttps://www.canadiabank.com.kh/e
https://plan-international.org/cameroon
http://afrilandfirstgrou http://bicec.com/
https://www.canada.ca/en/employment-social-development/programs/canada-education-savings.html
https://www.tdbank.co https://www.rbcroyalbank.com/per
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&ved=0ahUKEwjp9qL1jZPYAhUI6mMKHYv0
http://www.bcv.cv/vEN http://www.bca.cv/
http://www.education.gov.ky/portal/page/portal/mehhome/education/detailed-education-plan-of-action-2015-201
https://www.caymannathttp://www.alexandriabancorp.com
http://www.portalino.i https://www.ecobank.com/person
t/banks/_cf.htm al-banking
https://www.beac.int/ https://www.ecobank.com/personal
https://www.nea.org/assets/docs/20406_Policy%20Brief_rev2.pdf
https://www.santander.chttp://www.bancochile.cl/
http://www.icbc.com/Pahttp://www.ccb.com/en/home/inde
https://lavca.org/2017/12/12/escala-educacion-andrea-echavarria-breaking-barriers-colombias-higher-education/
https://www.grupobanchttps://bancodebogota.com
http://www.banque-co http://www.bdecash.com/partenai
http://www.bcc.cd/ https://congo.accessbankplc.com/
http://movingtoaustr http://www.bsp.com.pg/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&cad=rja&uact=8&ved=0ahUKEwi4qbrlkpP
https://www.bncr.fi.cr/ https://www.corporacionbi.com/gt/b
https://www.bceao.int/http://www.bridgebankgroup.com/
http://www.zaba.hr/ho https://www.pbz.hr/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=8&cad=rja&uact=8&ved=0ahUKEwiZjIjSk5PY
http://www.bankofcyprhttp://www.ccb.coop/en/AboutCCB/
https://www.csas.cz/cs/https://www.kb.cz/en/
https://danskebank.comhttps://www.nykredit.com/
Industrie – Mer Rouge http://www.banque-cent

http://www.banque-centrale.dj/
http://www.nbdominicahttp://www.scotiabank.com/ca/en/0
https://www.unicef.org/about/annualreport/files/Dominican_Republic_Annual_Report_2014.pdf
http://www.bancentral.ghttps://www.banreservas.com/
http://www.worldbank.org/en/results/2013/04/04/bringing-better-education-for-timorese-children
https://www.bancocentrahttp://www.mandiridili.tl/
https://books.google.com/books?id=ur-ds2gcltoC&pg=PA62&lpg=PA62&dq=ecuador+education+savings+plan&sour
https://www.pichincha.chttps://www.produbanco.com.ec/
https://www.emiratesnbd.com.eg/egypt-en/priority-banking/our-solutions/bancassurance/education-plan/
https://www.nbe.com.ehttp://www.banquemisr.com/en/bm
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwiuw8enm
http://www.bancoagricohttp://www.scotiabank.com.sv/banc
https://www.beac.int/ https://www.afrilandfirstbank.com
https://erhcb.com/ https://erhcb.com/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=3&cad=rja&uact=8&ved=0ahUKEwjW7fnmm
https://www.swedbank.https://www.seb.ee/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwj0ip-PmZP
https://www.nbe.gov.ethttp://www.combanketh.et/
https://www.banknordihttps://www.betri.fo/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&uact=8&ved=0ahUKEwi8sY3QmZ
http://www.rbf.gov.fj/ http://www.rbf.gov.fj/
http://www.edu.fi/download/135308_TVT_opetuskayton_suunnitelma_Eng.pdf
https://www.nordea.co https://www.pohjola.lt/en/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwje9Zjbmp
https://group.bnpparibahttps://www.credit-agricole.com/en
http://www.socredo.pf/https://www.sg-bdp.pf/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&uact=8&ved=0ahUKEwjOuvvjppT
https://www.beac.int/ http://www.alios-finance.com/
https://www.unicef.org/education/files/CFS_Gambia_Case_Study_December_2009.pdf
http://www.accessbankhttp://www.agib.gm/
https://fs.unocha.org/appeals/529/projects?order=project_property_5&sort=asc
https://www.bankofpalehttp://www.arabbank.com/
http://bankofgeorgia.gehttp://www.tbcbank.ge/web/ka
https://www.kmk.org/fileadmin/Dateien/pdf/Eurydice/Bildungswesen-engl-pdfs/funding.pdf
https://www.db.com/ushttps://www.commerzbank.com
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwi4hrGAqZ
Ghana Commercial Bahttps://www.ecobank.com/personal
https://www.gibraltar.gov.gi/new/childrens-bond-account
https://www.nbg.gr/en http://www.piraeusbank.gr/en/idiw
http://naalakkersuisut.gl/~/media/Nanoq/Files/Attached%20Files/Uddannelse/Engelsk/The%20Education%20Plan%
https://www.banken.gl/https://www.banknordik.dk/Log-pa
https://www.grenadaco-opbank.com/personal/loans-advances-2/super-starter-higher-education-loan-plan-help/
https://www.grenadacohttp://www.scotiabank.com/ca/en/0
http://ec.europa.eu/regional_policy/sources/policy/themes/outermost-regions/pdf/guadeloupe_en.pdf
https://files.eric.ed.gov/fulltext/ED534396.pdf
Bank of Guam https://www.anz.com/guam/en/abo
https://www.unicef.org/about/annualreport/files/Guatemala_2016_COAR.pdf
http://www.bam.com.gthttps://www.bienlinea.bi.com.gt/lo
https://www.gov.gg/EDP
https://www.rbcwealth https://www.credit-suisse.com/gg/
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https://www.firstbanknihttps://www.ta-holding.com/fr/intl
https://www.bceao.int https://www.orabank.net/en/filiale
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https://www.republicg https://www.gbtibank.com/
https://www.unibank.c https://www.sogebank.com/
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https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwi4yfHRr5T
https://www.hsbc.com. http://www.bochk.com/en/home.h
https://otpbank.hu/por https://www.mkb.hu/lakossagi
https://books.google.com/books?id=Gl-rAAAAQBAJ&pg=PA31&lpg=PA31&dq=iceland+education+savings+plan&sou
https://www.landsbankihttps://www.arionbanki.is/
https://www.avivaindia.com/child-plan
https://www.onlinesbi. https://www.hdfcbank.com/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwie1LHjspT
http://www.bankmandiri
http://www.bri.co.id/
http://www.bmi.ae/bmi/
http://www.bsi.ir/en/Pages/HomeP
https://www.unicef.org/iraq/TheCostOfEducationInIraq-EN.pdf
http://tradebank.com/ https://www.northbankiq.com/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwiJtfrIs5TYA
https://aib.ie/ https://www.bankofireland.com/
ust Company (Isle of Man) Limihttps://www.conisterbahttps://www.iombank.com/iom/pers
https://www.bankhapoal
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https://books.google.com/books?id=h1C122GNygEC&pg=PA84&lpg=PA84&dq=italy+education+savings+plan&sourc
https://www.unicredit.ithttps://www.intesasanpaolo.com/
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https://ncb.coop/ http://www.scotiabank.com/ca/en/0
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwiZ24XZtZT
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http://www.arabbank.c https://www.hbtf.com/
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https://www.bcc.kz/en/https://www.halykbank.kz/en
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https://www.bank-of-afrhttps://www.bankofbaroda.com/
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwjY4uu_t5T
http://www.dbk.com.ki http://www.dbk.com.ki/?page_id=1
http://ncee.org/what-we-do/center-on-international-education-benchmarking/top-performing-countries/south-kore
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https://www.cbl.org.lr/ https://www.ubagroup.com/countri
https://cbl.gov.ly/en/ https://www.globalbankingandfinance.com/list-of-banks-in-libya/
https://www.lgt.com/enhttps://www.llb.li/
https://www.seb.lt/ https://www.swedbank.lt/en/pages
https://www.americanfunds.com/individual/products/coverdell-esa.html
https://www.db.com/luhttp://www.caceis.com/who-we-are
http://www.aia.com.hk/en/our-products/savings/kiss-kids-education-plan.html
http://www.boc.cn/en/ http://www.icbc.com.mo/ICBC
https://silkroadbank.c http://www.ccbank.mk/
https://www.bni.mg/en/produit_particulier/assurance-epargne-education/
https://www.globalbankingandfinance.com/list-of-banks-in-madagascar/
http://www.accessholding.com/Ou
https://opportunity.org/news/press-releases/microensure-launch-edusave-to-provide-education-safety-net-to-1-000
http://www.banque-cenhttps://www.standardbank.co.mw/
https://www.comparehero.my/blog/childrens-education-savings
https://www.dbs.com/dehttps://www.ocbc.com/group/grou
https://www.bankofmaldives.com.mv/system/comfy/cms/files/files/000/000/689/original/PR-Bank_of_Maldives_in
http://web.boc.lk/ https://www.bankofmaldives.com.
https://www.bceao.int/https://www.ecobank.com/ml/perso
https://www.fsbmalta.com/personal/iras
https://esaver.agribank https://www.bov.com/
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https://www.boh.com/phttp://www.bomi.biz/
http://www.bdaf.fr/partihttp://www.bdaf.fr/particuliers/bda
https://group.bnpparibahttp://www.sgm.mr/
https://www.swanforlife.com/en/for-you/provide/education-plan
https://www.mu.barclayhttps://ib.mcb.mu/T001/banking.js
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https://www.bancomer.https://www.banamex.com/en/inde
http://www.fsmdb.fm/ https://www.bankofguam.com/
http://www.bem.md/enhttp://www.bancasociala.md/
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https://www.xacbank.mn/en/342/about-xacbank/social-responsibility/financial-education-programs/aspire-financia
http://www.arigbank.mhttps://capitalbank.mn/
http://www.bankofmonthttp://www.rbcroyalbank.com/carib
http://documents.worldbank.org/curated/en/472661468060260305/Maroc-Premier-Pret-de-Politique-de-Developp
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stimentos (BCI) http://www.bancomoc. http://www.bni.co.mz/bni_en.aspx
http://www.bankwindhohttps://www.afdb.org/en/countries/
https://www.bendigobahttps://www.eaglebankcorp.com/
http://nmbbanknepal.com/education-plan.html
http://www.nbl.com.nphttps://www.rbb.com.np/
https://www.rabobank.chttps://www.ing.com/Home.htm
https://www.vidanovabhttp://www.orcobank.com/
ONIENNE DE BANQUE S G C Bhttps://www.bci.nc/ https://www.bnc.nc/
https://www.consumer.org.nz/articles/asg-education-fund
http://movingtoaustra https://www.bnz.co.nz/
https://www.lafise.com/http://www.bcn.gob.ni/
https://www.boaniger. http://banqueatlantique.net/reseau
https://www.armlife.com.ng/the-education-plan/
https://www.zenithban https://ibank.gtbank.com/IBankReg/
https://www.bankofgu https://www.boh.com/personal/
https://www.norwaysavings.bank/personal-banking/college-savings-accounts/
https://www.banknorwehttps://www.dnb.no/en
http://www.oman-arabbank.com/oab-introduces-child-education-savings-plan/
http://www.bankmuscathttp://bankdhofar.com/en-GB/Defau
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http://www.hbl.com/ https://www.mcb.com.pk/
https://www.bankofgu https://www.boh.com/apps/findus
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http://www.bsp.com.pghttps://www.anz.com.au/personal/
https://www.bbvacontinhttps://www.itau.com.py/
https://www.perufederalsavings.com/personal/cds-iras/cds-iras-accounts/#educational-savings
https://www.viabcp.comhttps://www.bbvacontinental.pe/
https://www.axa.com.ph/education/academix
https://www.bdo.com.phttps://www.metrobank.com.ph/
https://en.psfcu.com/education-savings-accounts
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http://ind.millenniumb http://www.bancobpi.pt/particulare
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https://www.qib.com.qa/en/personal/takaful/walady-education-plan.aspx
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https://www.sberbank.ru
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Banque (Cogebanque) https://rwanda.accessb https://www.bk.rw/
http://www.sainthelen https://en.wikipedia.org/wiki/Bank_of_St._Helena#Money_and_bank
http://www.scotiabank.com/lc/en/0,,5654,00.html
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http://www.sabbtakaful.com/1/2/takaful-en/personal/saving-plans/education
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https://www.slsp.sk/sk/https://ib.vub.sk/ibr/login
https://www.abanka.si/https://www.unicreditbank.si/si/pre
http://www.bsp.com.pghttps://en.wikipedia.org/w/index.php?title=ANZ_Solomon_Islands&a
http://www.centralbankhttps://www.revolvy.com/main/in
https://www.oldmutual.co.za/personal/education-planning
https://www.standardbahttps://www.firstrand.co.za/Pages/F
https://www.santander https://www.bbva.com/en/us/
https://www.aialife.com.lk//en/our-products/savings/education-plan.html
https://www.combank.nhttps://www.hsbc.lk/1/2/
https://www.cbos.gov.s https://www.shib.sd/en/E_default.a
https://www.dsb.sr/ https://www.cbvs.sr/
http://www.centralbank.https://www.swazibank.co.sz/mfmb
https://www.nordea.co https://sebgroup.com/
https://www.ubs.com/uhttps://www.credit-suisse.com/ch
http://mail.banquecentrhttp://www.cbs-bank.sy/
http://www.bot.com.tw/https://www.cathaybk.com.tw/cath
Guide_TJ_2016.pdf
https://www.britam.com/life-insurance/individual/elimu-bora
https://www.crdbbank. https://www.nmbbank.co.tz/
https://www.prudential.co.th/corp/prudential-th/en/our-products/education-plan/index.html
http://www.bangkokba https://www.kasikornbank.com/en/
https://www.bceao.int/https://www.globalbankingandfinanc
http://movingtoaustralia.anz.com/us/en/?sourcecode_1=BTH000&cid=ps:mtauk:1&gclid=Cj0K
https://westpac.banklocationmaps
http://cunacaribbean.com/trinidad-golden-harvest-savings-plan/
https://www.central-banhttps://batt.org.tt/members/bank-o
https://qnb.com.tn/en/qnb-first/comptes-de-placement.html
http://www.albaraka.c http://www.atb.com.tn/
http://www.ziraat.com.thttps://www.isbank.com.tr/TR/ana-s
http://www.cbt.tm/ http://www.globalbrandsmagazine.c
https://www.bordier.co https://www.cibc.com/fcib/
https://www.uap-group.com/sites/uganda/pages/Individual-Somesa-Plus-Uganda.aspx
https://www.stanbicbanhttps://www.sc.com/ug/
https://en.privatbank.u https://www.oschadbank.ua/en/
https://www.metlife.ae/en/individual/products/savings-investments/educare/index.html
https://www.emiratesn https://www.nbad.com/en-ae/perso
https://ifa.shepherdsfriendly.co.uk/shepherds-university-savings-plan.aspx
https://www.hsbc.co.ukhttps://www.home.barclays/
https://www.sec.gov/reportspubs/investor-publications/investorpubsintro529htm.html
https://www.jpmorganchttps://www.bankofamerica.com/
http://www.banrep.gov.co/
http://www.nbu.com/ruhttp://www.uzdaily.com/articles-id-33760.htm
https://www.anz.com/vanuatu/en/personal/savings-investing/pacific-savings-account/
https://www.bred.vu/ https://www.anz.com/vanuatu/en/p
http://www.banesco.co http://latintrade.com/latin-americas-top-100-banks-venezuelan-instit
https://www.prudential.com.vn/en/our-products/product/pru-edusaver/
http://www.bidv.com.vnhttp://www.bancodevenezuela.com
https://www.cibc.com/fchttps://online.nationalbank.vg/Rad
http://www.tiib.com/ http://www.ybrdye.com/
https://www.zanaco.co.https://www.sc.com/zm/
https://www.cbzlife.co.zw/our-products/guaranteed-education-plan
http://www.rbz.co.zw/ https://www.cbzbank.co.zw/
1056 1056 1056
26 27 28
Div/Share Forward P/E PEG Ratio (5yr expected)

arket Cap,Last Price,% Chg,Change,High,Low,Open,Prev Close,Volume,Avg Vol (3m),52-Wk Low,52-Wk High,52-Wk
52-Wk Low Chg % Shares Out Short Ratio
159.62% 73,100,600 -
189.87% 80,177,696 -
158.47% 24,631,500 1.89
5.81% 1,218,249,984 4.4
17.96% 4,924,259,840 0.23
69.33% 5,134,309,888 1.9

2.16% - -
8.16% 63,600,000 -
2.98% 208,700,000 -
8.09% - -
9.98% - -
2.52% - -

13.20% 286,300,000 -
10.63% 337,900,000 -
31.79% 206,500,000 -
14.76% - -
25.59% - -
20.58% 82,950,000 -
52-Wk Low Chg %Shares Out Short Ratio

11.02% - -
9.30% 412,672,992 -
11.99% 80,800,000 -
9.39% - -
6.82% - -
7.74% 30,531,600 -

67.15% 5,134,309,888 1.9
5.01% - -
30.27% 49,800,000 -
47.02% 24,900,000 -
25.48% 170,400,000 -
1.44% 8,672,079,872 2.36
13.37% 286,300,000 -
14.28% 293,900,000 -
13.26% - -
34.94% 356,300,000 -
2.05% - -
14.49% - -
26.60% 29,700,100 -
6.76% 63,600,000 -
50-DMA 50-DMA Chg 50-DMA Chg %

172.63 2.38 1.38%
178.63 -1.43 -0.80%
18.27 -0.77 -4.23%
152.32 0.18 0.12%
45.99 -0.4 -0.87%
84.1 1.41 1.67%
15.61 -0.21 -1.37%
262.51 4.99 1.90%
113.82 -0.64 -0.56%
82.51 1.46 1.77%
55.06 -0.07 -0.13%
83.4903 -0.1788 -0.21%
25.38 -0.06 -0.25%
113.82 -0.64 -0.56%
126.24 -1.47 -1.17%
81.65 -0.28 -0.34%

3.01% 30,281,600 -
4.63% - -
4.16% - -
6.00% 83,300,000 -
11.56% - -
2.30% 412,672,992 -

8.03% 345,800,000 -
12.55% 283,100,000 -
14.44% 106,500,000 -
33.23% 23,325,000 -
25.77% 35,800,100 -
48.53% 5,134,309,888 1.46
72.38% 594,934,016 0
22.51% 377,200,992 2.23
68.35% 125,599,000 3.96
2.99% 412,672,992 -
4.95% - -
45.52% - -
14.47% - -
0.20% - -
1.39% 70,400,000 -
0.20% - -
0.98% 210,400,000 -
13.36% 50,150,000 -
20.16% - -
13.49% 3,850,000 -
29 30 31
website for Column 11 website for Column 12 website for Column 13
ick on the cell (please hyperlink enable the cell with just the web address)
http://www.bakhtarbank.comhttp://dab.gov.af/en http://www.maiwandbank.com
http://www.intesasanpaolobank.al/
http://www.tiranabank.alhttp://www.alphabank.al/
https://www.bea.dz/ http://www.globalbrandsmagazine.com/list-of-banks-in-alger
https://www.bsandorra.com/cs
https://www.creditandorhttps://www.vallbanc.ad/eng/
http://www.banc.co.ao/ https://www.bancobmf.ahttp://www.bancobic.ao/
https://www.cibc.com/fcib/ https://www.ncbal.com/ https://www.globalbankingandfinance.com/list-of-commerci
https://www.faib.com/ http://www.scotiabank.c http://www.barringtonbank.com/
https://www.macro.com.ar/P https://www.bbvafranceshttp://www.bancogalicia.com/
http://www.armbanks.am/en/2017/07/19/108905/
https://www.acba.am/enhttp://www.anelik.am/
https://www.ardshinbank.am https://www.ing.com/H http://www.rbcroyalbank.com/caribbean/index.html
https://www.nab.com.au/ https://www.anz.com.au/http://www.bendigoadelaide.c
https://www.bankaustria.at/ehttps://www.bawagpsk. http://www.rlbooe.at/eBusin
https://www.pashabank.az/lanhttp://www.xalqbank.az/http://www.accessbank.az/
=1&cad=rja&uact=8&ved=0ahUKEwiltfbRupTYAhVG02MKHRjrC_YQFggmMAA&url=https%3A%2F%2Fwww.heritageesp.com%2
http://www.albaraka.com/ https://www.gib.com/ http://www.bdb-bh.com/en/h
http://www.islamibankbd.comhttps://www.dutchbangl https://sbibd.com/
https://www.cibc.com/fcib/ http://www.scotiabank.c http://www.firstcitizensbb.com
https://www.belveb.by/ http://belgazprombank.bhttps://www.priorbank.by/
https://www.axa.be/ab/pageshttps://www.kbc.com/enhttps://www.delen.be/
http://www.belizebank.com/ https://www.atlabank.co http://www.heritageibt.com/international/
https://www.orabank.net/en/fhttp://banqueatlantique.net/
https://www.boabenin.com/fr
http://drukpnbbank.bt/ https://www.rma.org.bt/http://www.tbank.bt/
https://bancoeconomico.ao/ https://www.bg.com.bo/ http://bisa.com/
http://www.hypo-alpe-adria.bhttp://www.intesasanpaouelnosti/tuzlanska-banka-clanica-nlb-grupe/
https://www.fnbbotswana.co https://www.stanbicbankhttp://www.bankgaborone.co.bw/
http://www.hsbc.com/ http://www.safra.com.br/https://www.itau.com.br/
https://vg.vpbank.com/en http://www.scotiabank.c https://www.bancopopular.com/cibp-web/actions/login?lang
http://www.taib.com.bn/ http://www.maybank.com/
https://www.rhbgroup.com/abo
https://www.fibank.bg/en/h https://www.ubb.bg/enghttps://www.postbank.bg/en
http://banqueatlantique.net/ http://www.bhbf.bf/ https://www.orabank.net/en/filiale/burkina/page/profile

http://www.cbbank.com.mm/https://ablmm.com/onlinhttps://www.kbzbank.com/en/
https://www.globalbankingandfinance.com/list-of-bankhttp://www.globalbrandsmagazine.com/list-of-banks-in-buru
https://www.anzroyal.com/enhttp://www.fbbank.comhttps://www.ucb.com.kh/
https://www.afrilandfirstban https://societegenerale.cm/en/
https://www.sc.com/cm/
http://www.scotiabank.com/ca
https://www.bmo.com/ma
https://www.cibc.com/en/pers
https://www.bcncv.com/en/ http://www.globalbrandsmagazine.com/list-of-banks-in-cape
http://alhambrabank.ky/ https://tridenttrust.com http://mobileappscentrs.com/away.php
http://www.caa.cm/ https://www.ecobank.com/personal-banking
https://en.wikipedia.org/wiki/List_of_banks_in_the_Central_
http://www.globalbrandsmagazine.com/list-of-banks-in-chad/
http://www.globalbrandsmagazine.com/list-of-banks-in-chad
https://www.bci.cl/personas http://www.bancoestado.https://www.corpbanca.cl/port
http://www.abchina.com/en/http://www.boc.cn/ http://www.cdb.com.cn/Englis
https://www.davivienda.com/https://www.bbva.com.c https://www.bancodeoccidente
https://group.bnpparibas/ https://www.eximbank.cohttp://www.globalbrandsmagazine.com/list-of-banks-in-com
https://www.afrilandfirstban http://www.advansgrouphttp://www.bcdc.cd/fr/accueil
https://www.capitalsecuritybank.com/ http://www.worldoffshorebanks.com/cook_islands_internati
https://www.bancobcr.com/ https://www.banrural.com
http://www.gytcontinental.com.gt/portal/portal/index.asp
http://banqueatlantique.net/rhttp://www.bicici.com/ https://www.boacoteivoire.com/
https://www.erstebank.hr/en/p
https://www.rb.cz/en/perhttp://www.hypo-alpe-adria.ba
=8&cad=rja&uact=8&ved=0ahUKEwiZjIjSk5PYAhUN3mMKHX3WCCQQFghUMAc&url=http%3A%2F%2Fwww.scotiabank.com%2F
http://www.cyprus.com/largest-banks-in-cyprus.html http://www.cyprus.com/largest-banks-in-cyprus.html
https://www.csob.cz/portal/ https://www.unicreditba https://www.rb.cz/osobni
https://www.al-bank.dk/privahttps://jyskebank.com/enhttps://www.sydbank.dk/privat
http://www.globalbrandsmagazine.com/list-of-banks-in-djibouti/
http://www.globalbrandsmagazine.com/list-of-banks-in-djibo
https://www.rbcroyalbank.com/personal.html
https://www.cibc.com/fcihttps://www.globalbankingandfinance.com/list-of-banks-in-d
https://www.popularenlinea. https://www.bhdleon.com.do/
http://www.scotiabank.com/do/es/0,,6959,00.html
https://www.anz.com/timorlehttps://www.bnu.tl/Paginhttps://www.adb.org/countries/timor-leste/main
https://www.bancoguayaquil.com/ https://financelearners.blogspot.com/2012/03/leading-bank
http://www.banqueducaire.cohttp://www.cibeg.com/Eng
http://www.qnbalahli.com/cs/Satellite/QNBEgypt/en_EG/enH
http://www.davivienda.com.shttps://www.citibank.co https://www.baccredomatic.co
http://guineeequatoriale.groupebgfibank.com/en/ http://www.globalbrandsmagazine.com/list-of-banks-in-equa
www.boe.gov.er/ https://www.globalbankingandfinance.com/list-of-banks-in-e
https://netbank.nordea.com/phttps://www.danskebank.https://i-pank.krediidipank.ee/
http://www.awashbank.com/ https://www.wegagenbanhttps://www.zemenbank.com.et/zemenib/
http://landsbank.fo/faroe-islands-banks/
http://www.ns.fo/ http://www.ss.fo/
https://www.1stcolonial.com/https://www.anz.com/fijihttp://www.fdb.com.fj/
https://danskebank.com https://www.evli.com/defhttps://www.aktia.fi/fi/briefly-
https://www.creditmutuel.d https://www.groupebpce.https://www.societegenerale
https://www.banque-tahiti.pf/index.aspx?reg=12239 tahitinuitravel.com/destination/payment-methods-in-french-
http://www.globalbrandsmagazine.com/list-of-banks-in-gabon/
http://www.globalbrandsmagazine.com/list-of-banks-in-gabo
http://www.keystonebankng. http://bsicbank.com/bur https://www.ecobank.com/gm/personal-banking/countries
https://www.islamicbank.ps/ http://www.pibbank.comhttp://www.qudsbank.ps/
https://libertybank.ge/ https://www.vtb.com/ https://www.procreditbank.ge/
https://www.kfw.de/kfw.de-2https://www.dzbank.comhttps://www.unicreditgroup.e
https://www.zenithbank.com.https://www.gh.barclaysahttp://www.agricbank.com/
https://www.eurobank.gr/el/re
http://www.alpha.gr/paghttps://www.atticabank.gr/en/
https://corporatefinanceinstitute.com/resources/careers/companies/top-banks-in-greenland/
https://corporatefinanceinstitute.com/resources/careers/com
http://www.rbcroyalbank.comhttps://www.republicgre https://www.cibc.com/fcib/index.html
t-regions/pdf/guadeloupe_en.pdf
http://www.bankpacific.com/content/home?language http://www.usbanklist.com/topassetsbanks/guam/
http://www.gytcontinental.com
http://www.bam.com.gt/https://www.banrural.com.gt/c
http://www.schroders.com/enhttps://www.skiptoninterhttps://international.lloydsbank.com/
http://www.bicigui.org/ http://www.sgbgonline.nehttps://bpmgbank.com/bank/index.htm
https://www.bdu-sa.com/ http://www.bancodaafrichttps://ecobank.com/gw/personal-banking/countries
http://www.scotiabank.com/ca
https://bankofbaroda.gy/https://www.citizensbankgy.com/
https://www.bnconline.com/ https://www.export.gov/article?id=Haiti-US-Banks
https://www.ficohsa.com/ https://www.bancopopula
http://www.banadesa.hn/
https://bank.hangseng.com/ https://www.sc.com/hk/ https://www.hkbea.com/html/
https://www.kh.hu/bank https://www.erstebank.hhttps://www.cibc.com/en/pers
https://www.islandsbanki.is/ https://www.kvika.is/ https://www.cb.is/
https://www.icicibank.com/ https://www.pnbindia.in/https://www.axisbank.com/
https://www.bca.co.id/en http://www.bni.co.id/id-ihttps://www.cimbclicks.co.id/
https://www.ebanksepah.ir/ https://ib.bpi.ir/ http://en.bim.ir/default.aspx
http://www.unitedbank-iq.nethttps://www.bankofbaghhttp://www.ahliunited.com/bh_aub_cbiq.html
https://digital.ulsterbank. https://www.depfa.com/ https://www.ebs.ie/
https://www.nedbankprivatewe
https://international.st https://www.caymannational.com/index.html
https://www.discountbank.co.https://www.mizrahi-tefahot.co.il/
https://online.fibi.co.il/wps/portal
https://www.gruppomps.it/enom/index.php https://www.ubibanca.com/
https://ebank.sagicorjamaica.https://www.cibc.com/fcihttps://www.firstglobal-bank.
https://www.mizuho-fg.co.jp/http://www.smfg.co.jp/enhttps://www.nochubank.or.jp/
http://ahli.com/ar/jor http://www.jkb.com/ http://www.cab.jo/
http://en.kkb.kz/ https://www.bcc.kz/en/ https://financelearners.blogspot.com/2011/03/top-banks-in-
http://www.bankofindia.co.inhttps://www.barclays.co.https://www.stanbicbank.co.ke
http://www.commonwealthofnations.org/sectors-kiribati/business/banking_and_financial_services/
http://www.commonwealthofnations.org/sectors-kiribati/bu
https://en.wikipedia.org/wiki/List_of_banks_in_North_Korea
https://en.wikipedia.org/wiki/List_of_banks_in_North_Korea
https://www.kbfg.com/Eng/ http://www.hanafn.com/https://www.kdb.co.kr/ih/simp
http://www.burgan.com/Defau
http://www.e-gulfbank.c http://www.cbk.com/
http://en.kkb.kz/ http://www.cbk.kg/ https://www.atfbank.kz/en/o-ba
https://apb.com.la/index.php http://www.nbblao.org/ http://www.laovietbank.com.la
https://www.seb.lv/ https://www.rietumu.co http://www.nordea.lv/About%
https://www.blcbank.com/ http://www.blombank.cohttps://www.fbl.com.lb/
https://www.nedbank.co.za/chttps://www.standardlesohttp://www.lpb.co.ls/
http://www.accessbank.com.lr/ https://www.globalbankingandfinance.com/list-of-banks-in-le
https://www.amanbank.ly/en/ https://www.globalbankingandfinance.com/list-of-banks-in-li
https://www.vpbank.com/en https://www.bendura.li/ehttp://www.banquehavilland.
https://www.dnb.no/en https://www.sb.lt/en/ https://www.citadele.lt/en/
https://www.bcee.lu/fr/particu
https://www.sgbt.lu/en/ https://www.bgl.lu/fr/banqu
http://www.taifungbank.com http://www.lusobank.comhttps://www.bnu.com.mo/en/Pages/BNU.aspx
http://eurostandard.com.mk/http://www.halkbank.mkhttp://www.capitalbank.com.m
https://www.bank-of-africa.net/en https://www.globalbankingandfinance.com/list-of-banks-in-m
NBS Bank http://www.fmbmalawi. http://www.nedbank.co.mw/home
http://www.uobgroup.com/ http://www.maybank.com
https://www.cimbclicks.com.m
http://www.cbmmv.com/ http://www.mcbmaldiveshttp://www.about.maldives.hsbc.com/
http://www.bms-sa.org/ https://www.bdm-sa.comhttps://www.banqueatlantiqu
https://www.credorax.com/ https://www.hsbc.com.mhttps://www.iigbank-malta.co
http://www.wadiahcapital.co https://www.bankofguamhttps://www.swifbic.com/banks-in-MARSHALL-ISLANDS.htm
http://antilles-guyane.bnpparibas/ http://www.thebankdirectory.com/banks-in-martinique/
https://www.chbank.mr/fr/ http://www.bcm.mr/lienshttp://www.bea.mr/html/index.php
https://www.sbmgroup.mu/ http://www.hsbc.co.mu/ http://www.dbm.mu/
http://web.boc.lk/ https://en.wikipedia.org/wiki/List_of_banks_in_Seychelles
https://www.banorte.com/w https://www.barclays.co.https://www.hsbc.com.mx/1/2
http://usbanksdirectory.com/federated-states-of-micronesia/
http://usbanksdirectory.com/federated-states-of-micronesia/
https://mobiasbanca.md/en http://www.maib.md/ http://www.unibank.md/
https://www.ubs.com/mc/en.https://wealthmanagemehttps://mc.efgbank.com/
https://www.capitronbank.m https://www.ckbank.mn/http://www.creditbank.mn/
http://www.spccu.ms/ http://www.mbs.ms/ https://www.oxford.bank/
http://www.gbp.ma/Pages/Hohttps://www.creditagricohttps://www.bmcebank.ma/
https://www.barclays.co.mz/ehttp://www.procreditbanhttps://www.bci.co.mz/
https://www.bon.com.na/ https://www.globalbankingandfinance.com/list-of-investmen
https://www.swifbic.com/banks-in-NAURU.html https://www.swifbic.com/banks-in-NAURU.html
http://www.adbl.gov.np/ http://www.nabilbank.cohttps://www.nibl.com.np/
https://www.dhbbank.com/h https://www.amsterdamthttps://www.abnamro.com/en/
https://www.abnamro.com/enhttps://www.mcb-bank.chttp://www.lbb.de/landesbank/en/
http://www.bnpparibas.nc/ http://www.caissedesdepo
https://www.sgcb.nc/part/fr/idehom.html
https://www.westpac.co.nz/ https://www.asb.co.nz/ https://www.kiwibank.co.nz/
https://www.bdfnet.com/ https://www.procredit.cohttps://www.citibank.com.ni/C
http://groupebrs.com/ https://en.wikipedia.org/wiki/List_of_banks_in_Niger
https://www.firstbanknigeria http://www.accessbankplhttps://www.ubagroup.com/co
http://www.bankofsaipan.com/ https://www.swifbic.com/banks-in-NORTHERN-MARIANA-IS
https://luster-sparebank.no/ https://www.handelsbankhttps://www.storebrand.no/en
https://www.nbo.om/en/Pagehttp://alizzislamic.com/ http://www.oman-arabbank.c
https://www.nbp.com.pk/ http://www.ubldirect.comhttps://www.abl.com/
http://www.bankpacific.com/https://www.ndbp.com/ http://www.thebankdirectory.com/banks-in-palau/
https://www.bgeneral.com/bghttps://www.citibank.co https://www.credicorpbank.com/portalweb/
https://www.westpac.com.pg http://www.kina.com.pg/http://www.worldbank.org/en/country/png
https://www.regional.com.py https://www.bbva.com.phttps://www.visionbanco.com/
https://www.scotiabank.com.https://interbank.pe/ https://www.mibanco.com.pe/
https://www.landbank.com/ https://www.bpiexpressohttps://www.securitybank.com
https://www.mbank.pl/en/ab https://www.ingbank.pl/ https://www.bzwbk.pl/
https://www.cgd.pt/Particularhttps://www.novobanco.phttps://www.bportugal.pt/
https://orientalbank.com/en/ http://pr.scotiabank.com https://www.santander.com/csgs/Satellite/CFWCSancomQP0
http://www.cbq.qa/en/persona
https://www.alrayanbankhttp://dohabank.qa/
http://www.bnpparibas.re/ https://www.swifbic.com/banks-in-REUNION.html
https://www.volksbank.at/ https://www.raiffeisen.alhttps://www.alphabank.ro/
http://www.gazprombank.ru/https://alfabank.com/ https://www.psbank.ru/
http://cbagroup.com/rwanda/http://www.bpr.rw/ http://www.cogebanque.co.rw/
https://en.wikipedia.org/wiki/Bank_of_St._Helena#Money_and_banking_on_Saint_Helena
https://en.wikipedia.org/wiki/Bank_of_St._Helena#Money_a
https://www.swifbic.com/banks-in-SAINT-KITTS-AND-NEVIS.html
https://www.swifbic.com/banks-in-SAINT-KITTS-AND-NEVIS.
https://www.cibc.com/en/perhttps://www.cibc.com/fcihttps://www.rbcroyalbank.com/personal.html
https://www.swifbic.com/banks-in-SAINT-PIERRE-AND-MIQUELON.html
https://www.swifbic.com/banks-in-SAINT-PIERRE-AND-MIQU
https://www.loyalbank.com/ehttps://www.b2b-bank.c http://bankingin.com/saint-vincent.html
http://usbanksdirectory.com/american-samoa/tafuna/ http://usbanksdirectory.com/american-samoa/tafuna/
https://www.bcsm.sm/site/home/funzioni/registri-e-al https://en.wikipedia.org/wiki/List_of_banks_in_San_Marino
http://www.bistp.st/ https://en.wikipedia.org/wiki/List_of_banks_in_São_Tomé_a
https://www.samba.com/ https://www.riyadbank.c http://www.alfransi.com.sa/en
https://www.boasenegal.com/http://www.bicis.sn/ http://banqueatlantique.net/reseau/senegal/
https://www.unicreditbank.r https://www.societegenerhttps://www.raiffeisenbank.rs/
http://www.mcbseychelles.c http://www.nouvobanq.shttp://www.hbl.com/
https://www.sc.com/sl/ http://www.gtb.sl/ https://www.ubagroup.com/countries/sl

http://www.uobgroup.com/ https://www.ocbc.com/ghttps://www.sc.com/sg/
https://www.tatrabanka.sk/skhttps://www.csob.sk/indiv
https://www.unicreditbank.sk/
https://www.sid.si/ http://www.skb.si/en/perhttp://www.money.si/best-banks-in-slovenia
http://bsp.com.sb/ http://www.bsp.com.sb/ http://www.bsp.com.sb/
https://www.globalbankingandfinance.com/list-of-banks-in-somalia/
https://www.globalbankingandfinance.com/list-of-banks-in-s
https://www.nedbank.co.za/c https://www.investec.com/en_za.html
https://www.capitecbank.co.za/
https://www.caixabank.es/indhttp://www.bankia.com/ http://www.thebanker.com/Banker-Data/The-top-five-Spanis
http://www.icicibank.lk/ https://www.hnb.net/ http://www.bancopopular.es/p
https://www.globalbankingandfinance.com/list-of-banks-in-sudan/
http://www.idb.sd/ https://www.hugedomains.com
http://ssdbank.com/index.ph https://spsbbank.sr/ https://www.finabanknv.com/
https://www.standardbank.co.https://www.fnbswazilandhttp://www.nedbank.co.sz/home
https://www.handelsbanken.co
https://www.swedbank.chttps://www.forex.se/en/
https://www.raiffeisen.ch/rchhttps://www.zkb.ch/en/l https://www.juliusbaer.com/g
http://www.bso.com.sy/ http://www.siib.sy/ar/ http://www.chambank.com/index.php?lang=en
https://www.bankfcb.com/ https://www.ctbcbank.cohttp://www.bot.com.tw/Pages/
http://www.nbc.co.tz/personahttps://www.sc.com/tz/ https://www.stanbicbank.co.tz
http://www.scb.co.th/en/homhttp://www.ktb.co.th/en https://www.tmbbank.com/h
http://www.globalbrandsmagazine.com/list-of-banks-in-togo/
http://www.globalbrandsmagazine.com/list-of-banks-in-togo
http://mbfbank.to/ http://www.commonwealthofnations.org/sectors-tonga/busi
https://www.firstcitizenstt.c http://www.ibltt.com/ http://www.rbcroyalbank.com/
http://www.stb.com.tn/fr/site/secteur-financier/bf-b https://en.wikipedia.org/wiki/List_of_banks_in_Tunisia
https://www.garanti.com.tr/e http://www.akbank.com/tr
https://www.yapikredi.com.tr/
http://top-topics.thefullwiki.org/Top_banks_in_Turkmenistan
http://top-topics.thefullwiki.org/Top_banks_in_Turkmenistan
http://hallmarktrust.com/ https://www.rbcroyalbanhttp://www.scotiabank.com/ca/en/0,,2,00.html
https://www.bou.or.ug/bou/mCentenary bank https://www.dfcugroup.com/
https://www.eximb.com/eng/https://www.aval.ua/en/ https://www.ukrgasbank.com/
https://www.adcb.com/?Aspxhttps://www.fgbgroup.cohttp://www.dib.ae/
https://www.rbs.com/ http://www.lloydsbankinhttps://www.sc.com/en/
https://www.wellsfargo.com/ https://www.citigroup.cohttp://www.goldmansachs.com
https://www.asakabank.uz/enhttp://qishloqqurilishbanhttp://www.ipotekabank.uz/en
http://www.bsp.com.pg/ http://www.nbv.vu/ http://www.mooresrowland.com/en/doing-business-offshore
http://latintrade.com/latin-americas-top-100-banks-venezuelan-institutions-rank-highest-in-asset-growth/
http://latintrade.com/latin-americas-top-100-banks-venezue
http://www.agribank.com.vn/e
https://www.vietcombanhttps://en.scb.com.vn/
https://vg.vpbank.com/en http://www.scotiabank.c https://www.bancopopular.com/cibp-web/actions/login?lang

https://www.ibyemen.com/ http://www.ycb.com.ye/yhttp://www.arabbank.com/
https://www.zm.barclaysafric https://www.stanbicbankhttp://www.investrustbank.com/
https://www.zb.co.zw/ http://www.bancabc.comhttp://zw.barclays.com/
1056 1056 1056
29 30 31
Price/Book Trailing P/E Price/Sales

g Vol (3m),52-Wk Low,52-Wk High,52-Wk High Chg,52-Wk Low Chg,Market Time,Day Range,Shares Out,52-Wk Hig
52-Wk Range Pre-Mkt Price Pre-Mkt % Chg
82.50 - 216.00 - -
87.19 - 253.65 - -
115.00 - 309.19 296.72 11.77%
75.21 - 97.77 78.2 0.03%
46.00 - 59.99 - -
104.08 - 176.24 174.45 -0.21%

80.02 - 82.71 81.83 -0.01%
116.49 - 129.57 125.85 -0.40%
110.90 - 115.46 - -
23.36 - 25.38 - -
75.36 - 86.10 - -
53.56 - 55.18 - -

107.00 - 128.32 121.96 -0.14%
14.44 - 17.59 16.06 0.91%
8.65 - 12.00 11.47 2.59%
4.64 - 5.36 - -
27.93 - 37.30 - -
13.17 - 16.07 - -

13.75 - 15.74 - -
78.02 - 86.16 - -
14.85 - 16.86 - -
38.65 - 42.48 - -
24.24 - 26.43 - -
88.25 - 96.57 - -

104.08 - 176.24 173.51 -0.66%
99.85 - 106.25 - -
7.40 - 9.91 - -
20.80 - 31.61 30.4 -1.23%
31.04 - 44.03 38.61 -0.59%
18.75 - 32.38 20.21 -1.37%
107.00 - 128.32 121.42 0.24%
128.30 - 150.68 145.91 -0.46%
39.06 - 47.00 - -
114.03 - 154.54 153.13 -0.36%
54.14 - 56.10 - -
46.11 - 53.27 - -
25.53 - 32.45 - -
116.49 - 129.57 124.8 0.56%

159 16.01 10.07%
169.1 8.1 4.79%
23.41 -5.91 -25.25%
149.46 3.04 2.03%
45.66 -0.07 -0.16%
76.37 9.14 11.96%
15.87 -0.47 -2.94%
251.59 15.91 6.32%
113.81 -0.63 -0.56%
81.07 2.9 3.58%
54.73 0.26 0.48%
83.3474 -0.0359 -0.04%
25.16 0.16 0.64%
113.81 -0.63 -0.56%
125.64 -0.87 -0.69%
81.9 -0.53 -0.64%

89.62 - 96.57 - -
24.60 - 26.68 - -
39.38 - 42.54 - -
15.67 - 16.86 - -
14.01 - 15.88 - -
79.98 - 86.16 - -

14.44 - 17.59 15.55 0.97%
108.24 - 128.32 121.56 0.51%
25.58 - 29.52 - -
23.13 - 31.61 - -
26.26 - 33.38 33.12 0.03%
114.76 - 177.20 170.51 -2.57%
90.34 - 156.98 155.85 0.06%
209.62 - 262.14 258.97 0.00%
47.26 - 80.04 - -
79.98 - 86.16 81.97 0.17%
39.38 - 42.54 41.02 0.00%
58.66 - 88.98 84.5 -0.11%
116.71 - 137.42 - -
49.31 - 49.96 - -
103.69 - 108.81 105.11 0.07%
25.33 - 25.61 - -
112.20 - 115.46 - -
48.94 - 55.77 - -
21.97 - 26.78 - -
93.14 - 106.88 - -
32
deposit insurance maximum amount. For example, in the us, fdic is 250k
AF100,000
ALL 2,500,000
DIN 600,000
EUR 100,000
bankingandfinance.com/list-of-commercial-banks-in-anguilla/
tonbank.com/
ARG 120,000
AMD 4,000,000
lbank.com/caribbean/index.html
AUD 250,000
UR 100,000
AZN 30,000
BSD 50,000
75% of BHD 20,000 (up to maximum
of BHD 15,000)
TAK100,000
USD12,500
EUR5,000
EUR100,000
eibt.com/international/
nin.com/fr
BAM35,000
borone.co.bw/
BRR250,000
popular.com/cibp-web/actions/login?lang=es
BND50,000
BGN196,000
nk.net/en/filiale/burkina/page/profile
nk.com/en/
randsmagazine.com/list-of-banks-in-burundi/
XAF5,000,000
CAD100,000
randsmagazine.com/list-of-banks-in-cape-verde/
entrs.com/away.php
XAF5,000,000
XAF5,000,000
90% of first UDF120 (up to maximum of UDF108)
$81,000
COP20,000,000
randsmagazine.com/list-of-banks-in-comoros/
/fr/accueil
XAF5,000,000
ffshorebanks.com/cook_islands_international_offshore_banks.php
tinental.com.gt/portal/portal/index.asp
teivoire.com/
EUR100,000
http%3A%2F%2Fwww.scotiabank.com%2Fca%2Fen%2F0%2C%2C75%2C00.html&usg=AOvVaw2M-4vhg41bX7u6f1lU0Vog
EUR100,000
EUR100,000
EUR100,000
randsmagazine.com/list-of-banks-in-djibouti/
bankingandfinance.com/list-of-banks-in-dominica-a-dominican-republic/
ank.com/do/es/0,,6959,00.html
g/countries/timor-leste/main
USD31,000
hli.com/cs/Satellite/QNBEgypt/en_EG/enHome
USD9,800
XAF5,000,000
EUR100,000
EUR100000
bank.com.et/zemenib/
EUR100,000
EUR100,000
destination/payment-methods-in-french-polynesia/
XAF5,000,000
nk.com/gm/personal-banking/countries
ditbank.ge/
EUR100,000
EUR100,000
EUR100,000
anceinstitute.com/resources/careers/companies/top-banks-in-greenland/
om/fcib/index.html
ist.com/topassetsbanks/guam/
GTQ20,000
l.lloydsbank.com/
om/bank/index.htm
m/gw/personal-banking/countries
sbankgy.com/
.gov/article?id=Haiti-US-Banks
USD9,632.92
HK $500,000
EUR100,000
EUR 20,887
INR 1,00,000
IDR2000000000
ed.com/bh_aub_cbiq.html
EUR100,000
nnational.com/index.html
o.il/wps/portal
EUR100,000
JMD600,000
Deposit Insurance Corporation of Japan is JPY 10,000,000
JOD50,000
KZT5,000,000
KES100,000
nwealthofnations.org/sectors-kiribati/business/banking_and_financial_services/
a.org/wiki/List_of_banks_in_North_Korea
Korea Deposit Insurance Corporation is KRW 50 million
KGS100,000
KIP20,000,000
EUR100,000
LBP5,000,000
bankingandfinance.com/list-of-banks-in-lesotho/
100% of first LYD10,000, 50% for next LYD90,000, 25% of next LYD300,000,
Liechtenstein Bankers Association is CHF 100,000
EUR100,000
EUR100,000
om.mo/en/Pages/BNU.aspx
EUR30,000
bankingandfinance.com/list-of-banks-in-madagascar/
k.co.mw/home
Malaysia Deposit Insurance Corporation is RM250,000

maldives.hsbc.com/
EUR100,000
EUR100000
USD250,000
kdirectory.com/banks-in-martinique/
/html/index.php
a.org/wiki/List_of_banks_in_Seychelles
400,000 UDI
USD250,000
MDL6,000
EUR 100,000
MNT20,000,000
MAD80,000
bankingandfinance.com/list-of-investment-banks-in-namibia/
c.com/banks-in-NAURU.html
NPR200,000
Depositogarantiestelsel is EUR 100,000
landesbank/en/
c/part/fr/idehom.html
USD10,000
a.org/wiki/List_of_banks_in_Niger
NGN500,000
c.com/banks-in-NORTHERN-MARIANA-ISLANDS.html
NOK2,000,000
OMR20,000
kdirectory.com/banks-in-palau/
orpbank.com/portalweb/
ank.org/en/country/png
PYG124,367,400
S$50,000
PHP 500,000
EUR 100,000
EUR 100,000
der.com/csgs/Satellite/CFWCSancomQP01/es_ES/Corporativo.html
c.com/banks-in-REUNION.html
EUR100,000
RUB700,000
nque.co.rw/
a.org/wiki/Bank_of_St._Helena#Money_and_banking_on_Saint_Helena
c.com/banks-in-SAINT-KITTS-AND-NEVIS.html
albank.com/personal.html
c.com/banks-in-SAINT-PIERRE-AND-MIQUELON.html
m/saint-vincent.html
tory.com/american-samoa/tafuna/
a.org/wiki/List_of_banks_in_San_Marino
a.org/wiki/List_of_banks_in_São_Tomé_and_Príncipe
.com.sa/en
tique.net/reseau/senegal/
EUR50,000
oup.com/countries/sl
SGD50,000
EUR 100,000
EUR 100,000
bankingandfinance.com/list-of-banks-in-somalia/
cbank.co.za/
EUR 100,000
RS200,000
SDG10,000
k.co.sz/home
SEK 950,000
CHF100,000
ank.com/index.php?lang=en
NT$3,000,000
TJS7,000
TZS1,500,000
THB 1,000,000
randsmagazine.com/list-of-banks-in-togo/
nwealthofnations.org/sectors-tonga/business/banking_and_financial_services/
TTD125,000
a.org/wiki/List_of_banks_in_Tunisia
TRY100,000
UNLIMITED
ank.com/ca/en/0,,2,00.html
UGX3,000,000
UAH200,000
GBP 85,000
$250,000
UYU685,525
UNLIMITED
rowland.com/en/doing-business-offshore/bank-accounts.html
BSF30,000
VND50,000,000
popular.com/cibp-web/actions/login?lang=es
YER2,000,000
ustbank.com/
USD500
1056
32
me,Day Range,Shares Out,52-Wk High Chg %,52-Wk Low Chg %,Book Val,Div Payment Date,Trailing Annual Div Y
Post-Mkt Chg
0
-0.74
-1.42
0.01
0
0.36
Post-Mkt Chg
-0.02
-0.25
-0.21
-
-
0.02
Post-Mkt Chg
-
-
-
-
-
-
Post-Mkt Chg
-
-
-
-
-
-
Post-Mkt Chg
-0.17
-
0.01
-
-0.1
0.06
0.01
-0.18
0
-0.12
-
-
-
-0.03
1y Target Est
187.58
208.21
21.99
163.74
49.02
92.75
-
-
-
86.5
1y Target Est
-
-
-
-
-
-
Post-Mkt Chg
-
-
-
-
-
-0.02
Post-Mkt Chg
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
33
website where you got the information on the government insurance maximum amount
http://adic.gov.af/
https://en.wikipedia.org/wiki/Deposit_insurance#Albania
https://www.imf.org/external/pubs/f/wp/2014/wp14118.pdf
https://en.wikipedia.org/wiki/Deposit_insurance - Andorra
http://www.bia-bh.com/
https://en.wikipedia.org/wiki/Deposit_insurance#Belarus
https://en.wikipedia.org/wiki/Deposit_insurance - By_EU_country
https://en.wikipedia.org/wiki/Deposit_insurance#By_EU_country
http://www.cdic.ca/SiteAssets/financial-community/protecting-your-deposits.aspx
https://en.wikipedia.org/wiki/Deposit_insurance#China
ml&usg=AOvVaw2M-4vhg41bX7u6f1lU0Vog
http://siteresources.worldbank.org/INTRES/Resources/469232-1107449512766/Deposit_insurance_database_preW
http://www.dps.org.hk/index_EN.html
http://www.tif.is/en/
https://www.dicgc.org.in/FD_A-GuideToDepositInsurance.html#q3
https://www.dic.go.jp/english/
https://www.kdic.or.kr/english/index.jsp
https://en.wikipedia.org/wiki/Deposit_insurance - Liechtenstein
http://www.pidm.gov.my/en/
http://siteresources.worldbank.org/INTRES/Resources/469232-1107449512766/Deposit_insurance_database_preW
https://en.wikipedia.org/wiki/Deposit_insurance - Monaco
http://dicom.mn/eng/dicom/page/laws
https://en.wikipedia.org/wiki/Deposit_insurance - Norway
https://www.sdic.org.sg/SDIC/apps/services/www/SDICSecureApp/desktopbrowser/default/index.html
http://www.pdic.gov.ph/
http://www.cdic.gov.tw/main_en/index.aspx
http://www.dpa.or.th/main.php?filename=index___EN
https://www.fdic.gov/
1056
33
k Val,Div Payment Date,Trailing Annual Div Yield,Div/Share,Forward P/E,PEG Ratio (5yr expected),Price/Book,Traili
Pre-Mkt Time
-
-
8:29 AM EST
7:47 AM EST
-
8:29 AM EST
Pre-Mkt Time
8:00 AM EST
8:29 AM EST
-
-
-
-
Pre-Mkt Time
8:26 AM EST
8:29 AM EST
8:28 AM EST
-
-
-
Pre-Mkt Time
-
-
-
-
-
-
Pre-Mkt Time
9:29 AM EST
-
-
9:29 AM EST
9:29 AM EST
9:29 AM EST
9:29 AM EST
9:29 AM EST
-
9:29 AM EST
-
-
-
9:29 AM EST
EPS Est Next Year

12.2
6.63
1.03
13.92
1.98
3.78
-
-
-
4.23
EPS Est Next Year
-
-
-
-
-
-
Pre-Mkt Time
-
-
-
-
-
-
Pre-Mkt Time
9:29 AM EST
9:29 AM EST
-
-
9:21 AM EST
9:29 AM EST
9:28 AM EST
9:22 AM EST
-
9:25 AM EST
8:00 AM EST
9:28 AM EST
-
-
9:12 AM EST
-
-
-
-
-
34
name of fdic equivalent
Afghan Deposit Insurance Corporation
Albanian Deposit Insurance Agency
Bank of Algeria
Institut Nacional Andorrà de Finances
Seguro de Depositos Sociedad Anonima
Armenian Deposit Guarantee Fund
Financial Claims Scheme, Australian Prudential Regulation Authority
Deposit Protection Company of the Austrian Commercial Banks

Azerbaijan Deposit Insurance Fund
Deposit Insurance Corporation of the Bahamas
Bahrain Association of Banks
Deposit Insurance Department of Bangladesh
Agency
Barbadosof Deposit Insurance Corporation
Deposit
Compensation of
Belarus
Deposit and Financial Instrument Protection Fund
Deposit Insurance Agency of Bosnia and Herzegovina
Fundo Garantidor de Creditos (FGC)
Brunei Darussalam Deposit Protection Corporation
Bulgarian Deposit Insurance Fund

Fonds de Garantie des Depots en Afrique Centrale (FOGADAC)
Canada Deposit Insurance Corporation
Banco Central de Chile [Central Bank of Chile]
Bank Deposit Insurance System
Fondo de Garantias de Instituciones Financieras (FOGAFIN)
State Agency for Deposit Insurance and Bank Rehabilitation

Deposit Protection Fund of Cyprus
Fond pojisteni vkladu (FPV) [Deposit Insurance Fund]
Garantifonden for indskydere og investorer (GII) [Danish Deposit Guarantee Fund]
Corporacion del Seguro de Depositos (COSEDE)
Instituto de Garantia de Depositos (IGD)
Tagatisfond Guarantee Fund (TF) [Estonian Deposit Guarantee Fund]
Talletussuojarahasto [Deposit Guarantee Fund]
Fonds de Garantie des Depots (FGD)

Entschädigungseinrichtung Deutscher Banken (EdB) [Compensation Scheme of German Banks]
Gibraltar Deposit Guarantee Board
Hellenic Deposit and Investment Guarantee Fund
Banco de Guatemala como Administrador del Fondo para la Proteccion del Aorro
Fondo de Seguro de Depositos (FOSEDE)
Hong Kong Deposit Protection Board
Depositors' and Investors' Guarantee Fund
Deposit Insurance and Credit Guarantee Corporation
Indonesia Deposit Insurance Corporation
Central Bank and Financial Services Authority of Ireland
Fondo Interbancario di Tutela dei Depositi (FITD) [Interbank Deposit Protection Fund]
Jamaica Deposit Insurance Corporation
Yokin Hoken Kikou [Deposit Insurance Corporation of Japan (DICJ)]
Jordan Deposit Insurance Corporation
CJSC Kazakhstan Deposit Insurance Fund
Deposit Protection Fund Board of Kenya

Korea Deposit Insurance Corporation (KDIC)
Deposit Protection Agency of the Kyrgyz Republic
Depositor protection fund
Financial and Capital Market Commission
Institut National de Garantie des Depots
Depositors insurance fund
Deposit Guarantee and Investor Protection Foundation of the Liechtenstein Bankers Association
State Company Deposit and Investments Insurance
Deposit Guarantee Association
Deposit Insurance Fund Skopje
Malaysia Deposit Insurance Corporation

The West African Monetary Union Deposit insurance Fund
Depositor Compensation Scheme
Federal Deposit Insurance Corporation (FDIC)
Instituto para la Proteccion al Ahorro Bancario (IPAB)
Federal Deposit Insurance Corporation (FDIC)
Deposit Guarantee Funding Banking System
Fonds de Garantie des Depôts
Deposit Insurance Corporation
Fonds Collectif de Garantie des Depots, Bank Al-Maghrib
Deposit Insurance and Credit Guarantee Corporation

De Nederlandsche Bank
Fondo de Garantia de Depositos de la Institucions Financerias
Nigeria Deposit Insurance Corporation
Norwegian Banks’ Guarantee Fund
Central Bank of Oman
Guarantee Deposit Fund
Singapore Deposit Insurance Corporation
Philippine Deposit Insurance Corporation
Bankowy Fundusz Gwarancyjny
Fundo de Garantia de Depósitos

Bank Deposit Guarantee Fund
Russian Deposit Insurance Agency
Deposit Insurance Agency of Serbia

Singapore Deposit Insurance Corporation
Deposit Protection Fund
the central bank of the Republic of Slovenia
Fondos de Garantía de Depósitos (FGD)
Sri Lanka Deposit Insurance Scheme (SLDIS)
Bank Deposit Security Fund of Sudan
Riksgalden [Swedish National Debt Office]
Deposit Protection of Swiss Bankers and Securities Dealers
Central Deposit Insurance Corporation
National Bank of Tajikistan
Deposit Insurance Board
Deposit Protection Agency of Thailand

Deposit Insurance Corporation
Savings Deposit Insurance Fund (SDIF)
Deposit Guarantee Fund
Bank of Uganda
Deposit Guarantee Fund
Financial Services Compensation Scheme
Federal Deposit Insurance Corporation
Corporacion de Proteccion del Ahorro Bancario (COPAB)
Fund of Guarantee Citizens Deposit In Banks
Guaranty of Deposits and Banking Protection Fund
Deposit Insurance of Vietnam (DIV)

Bank Deposit Insurance Corporation
Deposit Protection Board of Zimbabwe

1056 1056 1056 1056 1056
34 35 36 37 38
yr expected),Price/Book,Trailing P/E,Price/Sales,
Post-Mkt Price Post-Mkt % Chg Pre-Mkt Chg Post-Mkt Time EPS (TTM)
214.19 0.00% - 4:52 PM EST 3.88
252 -0.29% - 4:54 PM EST 2.92
295.82 -0.48% 31.25 4:05 PM EST 6.64
79.59 0.01% 0.02 4:14 PM EST 3.12
54.26 0.00% - 5:34 PM EST 3.87
176.6 0.20% -0.36 6:39 PM EST 8.81
Post-Mkt PricePost-Mkt % ChgPre-Mkt Chg Post-Mkt Time EPS (TTM)

81.73 -0.02% 0 4:05 PM EST -
125.75 -0.20% -0.51 4:59 PM EST -3.15
114 -0.18% - 6:49 PM EST -
- - - - -
- - - - -
54.93 0.04% - 4:11 PM EST -
Post-Mkt PricePost-Mkt % ChgPre-Mkt Chg Post-Mkt Time EPS (TTM)

- - -0.17 - -
- - 0.14 - 4.38
- - 0.29 - -1.51
- - - - -
- - - - -
- - - - -
Post-Mkt PricePost-Mkt % ChgPre-Mkt ChgPost-Mkt Time EPS (TTM)

- - - - -
- - - - 11.11
- - - - 2.43
- - - - -
- - - - -
- - - - -

173.8 -0.10% -1.16 6:29 PM EST 8.81
- - - - -
9.66 0.15% - 4:32 PM EST -1.87
- - -0.38 - -12.14
38.84 -0.26% -0.23 4:13 PM EST -
19.08 0.32% -0.28 6:37 PM EST 0.82
121.32 0.01% 0.29 6:16 PM EST -
146.43 -0.12% -0.68 6:19 PM EST -
44.24 0.00% - 4:35 PM EST -
153.75 -0.08% -0.55 6:27 PM EST 17.77
- - - - -
- - - - -
- - - - -
124.33 -0.02% 0.7 4:56 PM EST -3.15
PEG Ratio (5yr eShares Cost Basis Lot Value Total Chg
1.43 - - - -
1.07 - - - -
1.26 - - - -
4.69 - - - -
5.39 - - - -
2.38 - - - -
- - - - -
- - - - -
- - - - -
1.11 - - - -
PEG Ratio (5yr eShares Cost Basis Lot Value Total Chg
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -

- - - - -
- - - - -
- - - - -
- - - - 2.43
- - - - -
81.8 -0.02% - 4:09 PM EST 11.11

- - 0.15 - 4.38
- - 0.62 - -
- - - - 1.84
- - - - -12.14
- - 0.01 - -
- - -4.5 - 9.21
- - 0.1 - 1.49
- - 0- 19.2
- - - - 2.01
- - 0.14 - 11.11
- - 0- -
- - -0.09 - -
- - - - -
- - - - -
- - 0.07 - -
- - - - -
- - - - -
- - - - -2.34
- - - - -
- - - - -
https://www.live-rates.com/rates
of German Banks]
n del Aorro
ankers Association
1056 1056 1056
s s
n n
j1 j1
l1 l1
p2 p2
c1 c1
h h
g g
o o
p p
V V
a2 a2
j j
k k
k4 k4
j5 j5
k3
d1
t1 t1
m m
m4
m3
m5
m7
f6 f6
m6
m8
k5 k5
j6 j6
s7
b4 b4
r1 r1
y y
d d
e
j4
e7
e9
e8
q
r r
r5 r5
p6 p6
r6 r6
r7
p5 p5
s6
snj1l1p2c1hgopVa2jkk4j5t1mf6k5j6b4r1ydrr5p6r6p5
39 40 41
Trailing P/E Forward P/E Div Payment Date
55.27 37.91 -
86.55 61.95 -
44.75 20.56 12/27/2012
25.51 20.3 12/15/2017
14.02 12.56 12/1/2017
20.01 15.78 11/16/2017

- - -
- - 6/7/2017
- - -
- - -
- - 8/7/2015
- - 6/7/2017

- - -
3.64 - -
- - -
- - -
- - -
- - -

- - 6/12/2017
7.68 - -
6.85 - -
- - -
- - -
- - -

19.75 15.57 11/16/2017
- - -
- 964 -
- - -
- - -
23.17 16.54 10/25/2017
- - -
- - -
- - -
8.66 - -
- - -
- - -
- - -
- - 6/7/2017
Total Chg % Day Chg Day Chg %

- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
Total Chg % Day Chg Day Chg %
- - -
- - -
- - -
- - -
- - -
- - -

- - -
- - -
- - -
6.84 - -
- - 6/12/2017
7.37 - -

3.56 - -
- - -
15.9 - -
- - -
- - -
18.51 13.96 11/16/2017
104.31 19.66 2/20/2018
13.38 12.45 12/28/2017
39.52 27.92 -
7.42 - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - 6/30/2017
- - -
- - -
1056 1056 1056
42 43 44 45 46
Ex-Div Date Div/Share Forward Annual DivForward Annual Div YieldTrailing Annual Div Rate
- - - - -
- - - - -
### 0 0 0.00% -
### 2.4 2.5 3.25% 2.4
11/2/2017 1.52 1.56 2.78% 1.53
8/10/2017 2.34 2.52 1.45% 2.34
Forward Annual Forward Annual Div Trailing Annual Div

Ex-Div Date Div/Share Div Rate Yield Rate
- - - 2.46% -
- - - 2.50% 3.12
- - - 1.53% -
- 0.09 0.09 4.10% -
- - - 0.00% -
- - - 1.75% -
Forward Annual Forward Annual Div Trailing Annual Div

Ex-Div Date Div/Share Div Rate Yield Rate
- - - 0.00% -
- - - 0.00% -
- - - 0.00% -
- - - 0.00% -
- - - 0.00% -
- - - 0.00% -
- - - 7.39% -
- - - 4.80% 3.53
- - - 5.13% 0.84
- - - 2.68% -
- - - 4.92% -
- - - 4.04% -
8/10/2017 2.34 2.52 1.44% 2.34
- - - 2.99% -
- - - 0.00% -
- - - 2.32% 0.74
- - - 1.68% -
9/15/2017 0.95 0.96 4.50% 0.95
- - - 0.00% -
- - - 1.28% -
- - - 1.34% -
- - - 0.88% 1.24
- - - 2.24% -
- - - 2.59% -
- - - 1.42% -
- - - 2.50% 3.12
Notes Company NCurrency Exchange Last Price

- Apple Inc. USD NMS 175.01
- Facebook, USD NMS 177.2
- General ElUSD NYQ 17.5
- Internatio USD NYQ 152.5
- The Coca- USD NYQ 45.59
- Microsoft USD NMS 85.51
- iShares SilUSD PCX 15.4
- SPDR S&P USD PCX 267.51
- iShares TI USD PCX 113.18
- Exxon MobiUSD NYQ 83.97
Notes Company NCurrency Exchange Last Price
- Vanguard TUSD NGM 54.99
- iShares 1-3USD NGM 83.31
- Vanguard LUSD NAS 25.32
- iShares TI USD PCX 113.18
- iShares 20USD NGM 124.77
- Vanguard TUSD PCX 81.37
- - - 3.92% -
- - - 4.77% -
- - - 2.60% -
- - - 5.00% 0.84
- - - 7.26% -
- - - 4.67% 3.53
- - - 0.00% -
- - - 0.00% -
- - - 1.65% 0.49
- - - 2.31% 0.74
- - - 1.38% -
### 2.4 2.52 1.44% 2.4
### 3.09 3.12 2.00% 3.1
### 2.8 3 1.15% 2.8
- - - - -
- - - 4.67% 3.53
- - - 2.60% -
- - - 0.22% -
- - - 1.14% -
- - - - -
- - - 1.79% -
- - - 0.84% -
- - - 1.72% -
- - - - 1.12
- - - 1.92% -
- - - 2.38% -
Symbol,Symbol,Company
30N
0 1 2
,Symbol,Company Name,Market Cap,Last Price,% Chg,Change,High,L
Symbol Symbol, 1
Company Name Company Name, 1
Market Cap Market Cap, 1

Last Price Last Price, 1
% Chg % Chg, 1
Change Change, 1
High High, 1
Low Low, 1
Open Open, 1
Prev Close Prev Close, 1
Volume Volume, 1
Avg Vol (3m) Avg Vol (3m), 1

52-Wk Low 52-Wk Low, 1
52-Wk High 52-Wk High, 1
52-Wk High Chg 52-Wk High Chg, 1

52-Wk Low Chg 52-Wk Low Chg, 1
0
0
Market Time Market Time, 1
Day Range Day Range, 1
0
Shares Out Shares Out, 1
52-Wk High Chg % 52-Wk High Chg %, 1
52-Wk Low Chg % 52-Wk Low Chg %, 1

0
Book Val Book Val, 1

Div Payment Date Div Payment Date, 1
Trailing Annual Div Yield Trailing Annual Div Yield, 1
Div/Share Div/Share, 1
0
0
0
0
0
Forward P/E Forward P/E, 1
PEG Ratio (5yr expected) PEG Ratio (5yr expected) 1
Price/Book Price/Book, 1
Trailing P/E Trailing P/E, 1
0
Price/Sales Price/Sales, 1
0
47 48 49 50 51
Trailing Annual Div Yield Market Cap Book Val Price/Book Price/Sales
- 15.66B 18.74 11.43 -
- 20.26B 13.45 18.79 -
- 7.32B 43.36 6.85 4.94
3.07% 96.95B 47.89 1.66 3.71
2.78% 267.19B 36.99 1.47 3.14
1.34% 904.87B 25.62 6.88 4.05
- - - - -
2.47% 6.90B 121.65 1.04 -
- 23.08B - - -
- - - - -
- - - - -
- - - - -
- 34.67B - - -
- 5.75B 18.37 0.87 -
- 3.00B 11 1.04 -
- - - - -
- - - - -
- 1.11B - - -
- - - - -
4.16% 34.68B 63.75 1.34 -
5.08% 1.35B 16.01 1.04 -
- - - - -
- - - - -
- 3.15B - - -
1.34% 893.22B 25.62 6.79 4
- - - - -
- 480.07M 8.93 1.08 -
2.40% 761.44M 22.6 1.35 -
- 6.64B - - -
4.64% 164.94B 8.56 2.22 1.39
- 34.73B - - -
- 43.09B - - -
- - - - -
0.81% 54.82B 118.73 1.3 -
- - - - -
- - - - -
- 959.91M - - -
2.51% 7.91B 121.65 1.02 -
Change % Chg Market Ti Volume Avg Vol (3m

0 0.00% Dec 22 E16.35M 26.46M
-0.25 -0.14% Dec 22 E8.51M 16.51M
0.03 0.17% Dec 22 E46.37M 76.34M
1 0.66% Dec 22 E2.99M 4.87M
-0.01 -0.02% Dec 22 E5.41M 10.01M
0.01 0.01% Dec 22 E14.15M 21.47M
0.18 1.18% Dec 22 E8.33M 7.25M
-0.07 -0.03% Dec 22 E78.72M 69.88M
0.07 0.06% Dec 22 E690.70k 1.03M
0.12 0.14% Dec 22 E10.16M 9.55M
Change % Chg Market Ti Volume Avg Vol (3m
0.01 0.02% Dec 22 E484.54k 875.58k
0.04 0.05% Dec 22 E 874 2.55k
0.04 0.14% Dec 22 E- 0
0.07 0.06% Dec 22 E690.70k 1.03M
0.17 0.14% Dec 22 E3.97M 7.97M
0.04 0.05% Dec 22 E2.57M 2.04M
- 3.06B - - -
- - - - -
- - - - -
5.09% 1.35B 16.01 1.04 -
- - - - -
4.35% 33.28B 63.75 1.28 -
- 5.39B 18.37 0.85 -
- 34.49B - - -
1.66% 3.12B 25.33 1.16 -
2.41% 718.76M 22.6 1.36 -
- 1.18B - - -
1.37% 875.14B 26.15 6.52 3.82
1.99% 92.65B 26.27 5.93 2.2
1.08% 96.87B 198.07 1.3 2.99
- 10.77B 10.5 7.58 4.29
4.32% 33.99B 63.75 1.29 -
- - - - -
- - - - -
- - - - -
- - - - -
- 7.40B - - -
- - - - -
- 23.84B - - -
2.01% 2.78B 42.89 1.29 -
- - - - -
- 406.96M - - -
3 4 5 6 7
ce,% Chg,Change,High,Low,Open,Prev Close,Volume,Avg Vol (3m),52-Wk Low,52-Wk High,52-Wk High Chg,5
DATA ITEM original checks below original titles below
Symbol Symbol
Company Name x Name

Market Cap Market Capitalization
Last Price Price
% Chg x % Daily Price Change

Change Daily Change in the Stock Price
High Day's High
Low Day's Low
Open Open
Prev Close Previous Close
Volume x Volume
Avg Vol (3m) x Average Daily Volume
52-Wk Low 52-week Low
52-Wk High 52-week High

52-Wk High Chg Change From 52-week High
52-Wk Low Chg Change From 52-week Low
Last Trade Size Last Trade Size
Last Trade Date Last Trade Date
Market Time Last Trade Time
Day Range Day's Range
Change & Percent Change Change & Percent Change
200-DMA 200-day Moving Average
50-DMA 50-day Moving Average
200-DMA Chg Change From 200-day Moving

50-DMA Chg Change From 50-day Moving A
Shares Out Float Shares
200-DMA Chg % x Percent Change From 200-day
50-DMA Chg % Percent Change From 50-day M
52-Wk High Chg % Percent Change From 52-week

52-Wk Low Chg % Percent Change From 52-week
Short Ratio Short Ratio
Book Val Book Value

Div Payment Date Dividend Pay Date
Trailing Annual Div Yield Dividend Yield
Div/Share Dividend/Share
Earnings/Share Earnings/Share
EBITDA EBITDA
EPS (TTM) EPS Estimate Current Year

EPS Estimate Next
Quarter EPS Estimate Next Quarter
EPS Est Next Year EPS Estimate Next Year
Ex-Div Date Ex-Dividend Date
Forward P/E x P/E Ratio
PEG Ratio (5yr expected) PEG Ratio
Price/Book Price/Book
Trailing P/E Price/EPS Estimate Current Yea

Forward P/E Price/EPS Estimate Next Year
Price/Sales Price/Sales
Revenue Last Year Revenue Last Year
52 53 54 55 56
EBITDA Earnings Date 50-DMA 50-DMA Chg 50-DMA Chg %
- 11/01/2017 -
11/06/2017 191.56 22.63 11.81%
- 01/29/2018 -
02/02/2018 201.76 50.98 25.27%
403.41 02/05/2018 -
02/09/2018 253.45 43.79 17.28%
8.29B 11/01/2017 -
11/06/2017 77.79 1.79 2.30%
- 1/12/2018 54.93 -0.67 -1.22%
70.21B 01/29/2018 - 02/02/2018 158.72 17.52 11.04%
EBITDA Earnings Date 50-DMA 50-DMA Chg50-DMA Chg %

- 81.83 -0.08 -0.10%
- 124.88 1.12 0.90%
- 113.73 0.48 0.43%
- 25.21 0.04 0.15%
- 83.4711 -0.5937 -0.71%
- 54.7 0.21 0.39%

- 121.8206 -0.7007 -0.58%
- 16.01 -0.04 -0.23%
- 10.57 0.83 7.82%
- 5.15 0.17 3.37%
- 35.0914 -0.0131 -0.04%
- 15.15 0.73 4.82%

- 15.47 -0.2 -1.28%
- 83.45 1.82 2.18%
- 16.24 0.39 2.40%
- 41.3003 0.9807 2.37%
- 25.59 0.3 1.17%
- 92.94 2.14 2.30%

70.21B 01/29/2018 - 02/02/2018 160.59 13.38 8.33%
- 105.55 -0.7 -0.66%
- 8.99 0.65 7.21%
- 30.98 -0.4 -1.30%
- 41.5 -2.55 -6.14%
17.92B 01/18/2018 - 01/22/2018 22.51 -3.49 -15.52%
- 121.74 -0.43 -0.35%
- 148.64 -2.02 -1.36%
- 45.05 -0.81 -1.79%
- 148.79 5.08 3.41%
- 55.29 -0.04 -0.07%
- 52.57 0.22 0.43%
- 31.6 0.72 2.26%
- 124.79 -0.43 -0.35%
Avg Vol Day Range Bid Bid Size Ask

25.43M 174.50 - 175.42 174.97 100 175.19
15.17M 176.23 - 177.53 176.88 400 177.2
63.67M 17.40 - 17.56 0 0 0
5.15M 151.50 - 153.00 0 0 0
10.14M 45.55 - 45.73 0 0 0
24.97M 84.92 - 85.63 85.55 9,900 85.59
5.85M 15.31 - 15.49 0 0 0
89.44M 266.91 - 267.63 0 0 0
1.02M 113.05 - 113.20 0 0 0
12.86M 83.60 - 84.02 0 0 0
Avg Vol Day Range Bid Bid Size Ask
1.08M 54.96 - 55.01 54 100 58.3
2.49k 83.25 - 83.34 0 0 0
0 - - -
1.02M 113.05 - 113.20 0 0 0
7.63M 124.53 - 124.84 123.08 200 124.88
2.58M 81.32 - 81.40 0 0 0

- 94.07 -1.75 -1.86%
- 25.98 -0.24 -0.93%
- 41.82 -0.8 -1.92%
- 16.58 0.03 0.19%
- 15.48 0.15 1.00%
- 84.26 -2.44 -2.90%

- 15.6135 -0.0136 -0.09%
- 120.8 1.02 0.84%
- 29.1397 0.135 0.46%
- 30.8 0.02 0.06%
- 32.677 0.348 1.06%
71.50B 01/29/2018 - 02/02/2018 172.63 -2.18 -1.26%
6.69B 01/24/2018 - 01/29/2018 141.59 14.14 9.98%
- 1/17/2018 246.19 10.62 4.31%
539.45 12/05/2017 - 12/11/2017 69.02 10.54 15.28%
- 84.26 -1.89 -2.25%
- 41.82 -0.49 -1.18%
- 82.08 3.28 4.00%
- 132.4977 1.0988 0.83%
- 49.5897 -0.1798 -0.36%
- 105.98 -0.85 -0.80%
- 25.4047 -0.0247 -0.10%
- 113.82 -0.52 -0.46%
- 54.09 1.39 2.57%
- 26.12 0.28 1.08%
- 103.231 2.474 2.40%
8 9 10 11 12
h,52-Wk High Chg,52-Wk Low Chg,Market Time,Day Range,Shares Out,52-Wk High Chg %,52-Wk Low Chg %,
new or not
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
NEW
57 58 59 60 61
200-DMA 200-DMA Chg 200-DMA Chg % 1y Target Est EPS Est Next Year
165.62 48.57 29.32% - 5.65
167.62 85.12 50.78% - 4.08
242.89 54.35 22.38% 290.78 14.46
84.85 -5.27 -6.21% 90.29 3.92
53.68 0.58 1.08% 57.8 4.32
154.14 22.1 14.34% 175.19 11.17
200-DMA 200-DMA Chg200-DMA Chg %1y Target Est EPS Est Next Year
81.88 -0.13 -0.16% - -
124.83 1.17 0.94% - -
113.91 0.3 0.27% - -
24.94 0.31 1.23% - -
82.5541 0.3233 0.39% - -
54.59 0.32 0.59% - -
120.807 0.3133 0.26% - -
15.98 0 -0.02% - -
9.97 1.43 14.31% - -
4.98 0.35 7.03% - -
32.2652 2.8131 8.72% - -
14.43 1.45 10.03% - -
15.33 -0.06 -0.39% - -
83.4 1.88 2.25% - -
16.17 0.46 2.82% - -
41.145 1.136 2.76% - -
25.66 0.23 0.90% - -
92.83 2.25 2.42% - -
154.82 19.15 12.37% 186.34 11.17
105.17 -0.32 -0.30% - -
8.42 1.22 14.49% - 0.01
29.5 1.08 3.67% - -
38.46 0.49 1.27% - -
25.54 -6.52 -25.52% 25.33 1.15
120.81 0.5 0.42% - -
141.96 4.66 3.28% - -
43.26 0.98 2.27% - -
143.36 10.51 7.33% - -
55.35 -0.1 -0.18% - -
50.96 1.83 3.60% - -
30.43 1.89 6.21% - -
124.89 -0.53 -0.42% - -
Ask Size Prev Close Float Open High

100 175.01 - 174.68 175.42
1,200 177.45 - 177.14 177.53
0 17.47 - 17.51 17.56
0 151.5 - 151.82 153
0 45.6 - 45.69 45.73
200 85.5 - 85.4 85.63
0 15.22 - 15.34 15.49
0 267.58 - 267.6 267.64
0 113.11 - 113.18 113.2
0 83.85 - 83.88 84.02
Ask Size Prev Close Float Open High
100 54.98 - 54.97 55.01
0 83.27 - 83.27 83.34
- 25.29 - - -
0 113.11 - 113.18 113.2
500 124.6 - 124.7 124.84
0 81.33 - 81.34 81.4
93.3 -0.98 -1.05% - -
25.78 -0.04 -0.14% - -
41.41 -0.39 -0.93% - -
16.21 0.4 2.48% - -
15.43 0.2 1.27% - -
83.78 -1.96 -2.34% - -
15.8557 -0.2558 -1.61% - -
121.12 0.71 0.59% - -
28.218 1.0567 3.74% - -
30.12 0.69 2.30% - -
31.124 1.901 6.11% - -
159.05 11.4 7.16% 187.58 12.21
123.58 32.15 26.02% 148.55 7.92
233.32 23.49 10.07% 258.4 20.63
61.94 17.62 28.44% 75.36 2.85
83.79 -1.42 -1.69% - -
41.41 -0.08 -0.20% - -
81.13 4.23 5.21% - -
126.837 6.7598 5.33% - -
49.7402 -0.3303 -0.66% - -
106.736 -1.6056 -1.50% - -
25.4573 -0.0773 -0.30% - -
113.81 -0.51 -0.44% - -
52.29 3.19 6.11% - -
25.21 1.19 4.71% - -
99.259 6.446 6.49% - -
13 14 15 16 17 18 19
2-Wk High Chg %,52-Wk Low Chg %,Book Val,Div Payment Date,Trailing Annual Div Yield,Div/Share,Forward
62 63 64 65 66 67 68
PEG Ratio (5yr expected)Shares Cost Basis Lot Value Total Chg Total Chg % Day Chg
- - - - - - -
- - - - - - -
0.41 - - - - - -
- - - - - - -
1.87 - - - - - -
1.5 - - - - - -
PEG Ratio (5yr

expected) Shares Cost Basis Lot ValueTotal Chg Total Chg % Day Chg
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
PEG Ratio (5yr

expected) Shares Cost Basis Lot ValueTotal Chg Total Chg % Day Chg
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
PEG Ratio (5yr expected)Shares Cost Basis Lot ValueTotal Chg Total Chg % Day Chg
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
PEG Ratio (5yr expected)Shares Cost Basis Lot ValueTotal Chg Total Chg % Day Chg
1.32 - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
1.74 - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
Low 52-Wk H52-Wk Low 52-Wk Hi 52-Wk Hig52-Wk Low 52-Wk L

174.5 177.2 114.76 -2.19 -1.24% 60.25 52.50%
176.23 184.3 114.77 -7.05 -3.83% 62.43 54.40%
17.4 32.05 17.36 -14.55 -45.40% 0.14 0.81%
151.5 182.8 139.13 -30.29 -16.57% 13.37 9.61%
45.55 47.48 40.22 -1.89 -3.98% 5.37 13.35%
84.92 87.5 61.95 -1.99 -2.27% 23.56 38.03%
15.31 17.59 14.44 -2.19 -12.45% 0.96 6.65%
266.9 268.6 222.73 -1.1 -0.41% 44.77 20.10%
113.05 115.5 112.2 -2.28 -1.97% 0.98 0.87%
83.6 91.34 76.05 -7.37 -8.07% 7.92 10.41%
Low 52-Wk H52-Wk Low 52-Wk Hi 52-Wk Hig52-Wk Low 52-Wk L
54.96 55.28 53.56 -0.29 -0.52% 1.43 2.67%
83.25 86.1 75.36 -2.7885 -3.24% 7.9515 10.55%
- 25.79 23.43 -0.47 -1.82% 1.89 8.07%
113.05 115.5 112.2 -2.28 -1.97% 0.98 0.87%
124.53 129.6 116.49 -4.8 -3.70% 8.28 7.11%
81.32 82.71 80.02 -1.34 -1.62% 1.35 1.69%
PEG Ratio (5yr expected)Shares Trade Date High Limit Low Limit Cost Basis Lot Valu
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
PEG Ratio (5yr expected)Shares Trade Date High Limit Low Limit Cost Basis Lot Valu
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
1.43 - - - - - -
0.61 - - - - - -
1.09 - - - - - -
2.32 - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
- - - - - - -
20 21 22 23 24 25 26 27
eld,Div/Share,Forward P/E,PEG Ratio (5yr expected),Price/Book,Trailing P/E,Price/Sales,
69 70 71 72 73 74 75 76
Day Chg % Notes Day Chart
- -
- -
- -
- -
- -
- -

- -
- -
- -
- -
- -
- -

- -
- -
- -
- -
- -
- -
Day Chg % Notes

- -
- -
- -
- -
- -
- -

- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Shares Out Short RTrade DaHighLow Limit No. of Lots Annualized GMarket Value
### 1.46 - - - - - -
### 1.32 - - - - - -
### 1.15 - - - - - -
### 2.71 - - - - - -
### - - - - - - -
### 2.26 - - - - - -
### - - - - - - -
### - - - - - - -
### - - - - - - -
### 3.79 - - - - - -
Shares Out Short RTrade DaHighLow Limit No. of Lots Annualized GMarket Value
- - - - - - - -
- - - - - - - -
- - - - - - - -
### - - - - - - -
### - - - - - - -
- - - - - - - -
Total Chg Total Day ChgDayNotes No. of Lots Annualized GMarket Value
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
Total Chg Total Day ChgDayNotes No. of Lots Annualized GMarket Value
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
- - - - - - - -
28 29 30 31 32 33 34
ce/Sales,
77 78 79 80 81 82
rket Value
rket Value
Market Value
-
-
-
-
-
-
rket Value
35 36 37 38 39 40 41
42 43 44 45 46 47 48
49
Small Daily Savings Can Lead to a
Example #1 of 6: Look at How Much Money Yo
Please only enter or change the white cells:

Cost of buying 1 coffee or tea every day: 2
Money saved monthly by not buying it: 60
Number of years: 40
Annual interest rate if you invested the savings*: 9.5%
Value in 40 years: 326,178
Value in 40 years for a couple: 652,355
* The average historical annual stock market return is about 9.5%.
Example #2 of 6: Look at How Much Money Yo

2,333,563 Philippine pesos in 63 Years Althoug
Enter here Beats by Dre

what "x" is
(i.e., Car)
Cost of buying the item above is: 350
Number of years: 63
Value in 63 years: 2,333,563

Example #3 of 6: How Many Years Does it Take
Enter an interest rate here*: 9.5%
Number of years it takes for your money to double: 7.6
Example #4 of 6: How Much Money Do I Need

Amount to save every day: 9.98
Monthly savings: 299
Number of years: 35
Example #5 of 6: How Much Money Do I Need

pesos in 60 years to donate to Your favourite c
Monthly savings: 1631.34

Number of years: 60
Value in 60 years: 1,000,000,000
Example #6 of 6: If I decided that I wanted to r

month in rent for 50 years, then how much mo
invested that 600 Philippine pesos per month
Monthly savings: 600

Number of years: 50
Once You Understand the 6 Examples Above, then Plea

** Please watch the lecture associated with Exercise #1 first. Thanks
Question #1 of 10: In 3 years you want to buy a

year, then how much money would you need t
pesos in 3 years?
<-- Click the "+" to see or "-" to hide the answer to Question #1
Question #2 of 10: You want to have 100,000 P

your interest rate on savings is 12.5%, then ho
20 years?
Question #3 of 10: Let's say you wanted to go o
night, which is a lot of course. You decided tha
10 Philippine pesos that night. If you took the
12% and you decided to keep that investment
Question #4 of 10: Let's add on the that last qu

spending 40 Philippine pesos partying that you
years. Maybe you decided not to drink or be m
month for 50 years at a 12% annual interest ra
Question #5 of 10: You decide that you are rea

30 years. You watched this whole course and y
manage to save a dollar per month for each of
This means that you saved 100 Philippine peso
this course. How much money would you have
15%?
Question #6 of 10: Please repeat the last questi

rate for 50 and not 30 years.
I am asking this question because I want you to

Question #7 of 10: You decide that you have h
you shop around and you buy investment fund
3 percent per year!!!! These better investment
in Part 3 of this course (the "Make Money" par
So lets assume that a mutual fund that you inv

Let's assume that an index fund that you inves
How much is each investment worth in 25 yea
Question #8 of 10: Some people think that Eur

in a bank account with an interest rate of 9.5%
Question #9 of 10: Your 8 year old son is asking

his clash of clans game.
Explain to him why investing that 10 Philippine
saved monthly would be worth for him at an a
Question #10 of 10: Your 13 year old son who

dog , 2 Philippine pesos on a soda, 3 Philippine
30 years instead of eating at home for 'free.'
Calculate how much money he will save if he sav
Lead to a Fortune Later in Life (It All Adds
ow Much Money You Will Save by Making a Small Change Like Making Your Own Co
The bottom line is if you saved 2 Ph

making your own coffee or tea, the
have 326,178 Philippine pesos mor
significant other also did this, then
652,355 Philippine pesos more in sa
numbers in the white boxes on the
change your currency from dollar to
click on the settings button on the t
turn is about 9.5%.
ow Much Money You Will Save by Not Buying the Beats by Dre Because the Beats by
in 63 Years Although the Cost to Buy the Beats by Dre is Much Lower at 350 Philipp
The bottom line is if you saved 350

buying the Beats by Dre, then the s
Beats by Dre today is 2,333,563 Phi
turn is about 9.5%.

y Years Does it Take for Your Money to Double?
The bottom line is that the 'Rule of

years it takes for your money to dou
divided by the interest rate. In your
your interest rate of 9.5%, it would
money to double.
turn is about 9.5%.
h Money Do I Need to Save Daily in Order to Have 1,000,000 Philippine pesos in 35
The bottom line is if you saved 9.98

you would have 1,000,000 Philippin
you want (completely optional), use
Excel (click the Data tab, then the W
turn is about 9.5%.
h Money Do I Need to Save Monthly at an interest rate of 15% in Order to Have 1,00
to Your favourite charity?
The bottom line is if you saved 1,63

month, then in 60 years you would
Philippine pesos in savings to give
Excel.
The bottom line is if you saved 1,63
Philippine pesos in savings to give
Excel.
turn is about 9.5%.
d that I wanted to rent instead of buy a house and if I assumed that I would pay 600
then how much money could my 600 Philippine pesos per month have been worth
e pesos per month for 50 years at an investment return of 8% per year?
pesos more in savings! We should t
30s. If you want (completely option
function in Excel.
Also, please change the interest rat

decrease the number of years by ju
see why starting to save more toda
turn is about 9.5%.
Above, then Please Complete these 10 Questions Below (which is Exe
rs you want to buy a car that costs 10,000 Philippine pesos. If you could invest your
y would you need to save every month in order to be able to buy that car that costs
t to have 100,000 Philippine pesos in 20 years in order to send your child to college
s is 12.5%, then how much do you need to save every month in order to have 100,0
you wanted to go out and party with your friends and you were going to spend 50
se. You decided that 50 Philippine pesos is way too much to spend and so you limite
ght. If you took the 40 Philippine pesos you saved and put it in an investment that h
ep that investment for 50 years. How much would that 40 Philippine pesos be wort
d on the that last question. Let's say that after you realized that you could save a lot
os partying that you want to save 40 Philippine pesos by spending less on partying e
not to drink or be more careful with spending too much on partying! If you saved 40
% annual interest rate, how much would that 'I aint wastin' money on partying' be w
de that you are really going to focus on saving saving saving and spending as little a
whole course and you studied the simple 100+ ways to save money concepts taugh
r month for each of the 100 ways to save money!
100 Philippine pesos more than you would normally have every month by applying
ney would you have in 30 years if you invested 100 Philippine pesos every month at
epeat the last question, except assume that you will save 150 Philippine pesos per m
s.
ause I want you to see what the ADDITIONAL savings would be (so please start sav
de that you have had enough of getting ripped off with ridiculous 2-3 percent mutu
uy investment funds that don't charge the 2-3 percent fees AND they outperform th
e better investment funds I am referring to are called Index Funds and we will cover
"Make Money" part of the course).
al fund that you invested 100 Philippine pesos in every month made 8% per year fo
fund that you invested 100 Philippine pesos per month in made 11% per year for 25
ent worth in 25 years?
eople think that Europeans purchased the island of Manhattan for $24 in the year 1
nterest rate of 9.5%, how much would it be worth today?
ear old son is asking you if he can spend his 10 Philippine pesos monthly allowance
g that 10 Philippine pesos every month is a better idea and how much money that
orth for him at an annual interest rate of 12% by the time he is 50 years old!
3 year old son who thinks that money grows on trees and he wants to spend 4 Philip
a soda, 3 Philippine pesos on candy and 10 Philippine pesos on a movie ticket once
t home for 'free.'
he will save if he saves that money instead and invests it in an investment that earns
t All Adds Up!)
Making Your Own Coffee or Tea:
ine is if you saved 2 Philippine pesos per day by

own coffee or tea, then in 40 years you would
8 Philippine pesos more in savings! If your
her also did this, then together you would have
ppine pesos more in savings! (Please change the
he white boxes on the lef if you want. Also, to
currency from dollar to other currencies, please
ettings button on the top right. Thanks)
Because the Beats by Dre Actually Costs You

ower at 350 Philippine pesos.
ine is if you saved 350 Philippine pesos by not

eats by Dre, then the savings of not buying the
today is 2,333,563 Philippine pesos in 63 years!
ine is that the 'Rule of 72' tells you how many
for your money to double. The formula is 72
e interest rate. In your example on the lef, at
rate of 9.5%, it would take 7.6 years for your
uble.
ilippine pesos in 35 years?
ine is if you saved 9.98 per day, then in 35 years

ave 1,000,000 Philippine pesos more in savings! If
mpletely optional), use the Goal Seek function in
he Data tab, then the What-If-Analysis button).
n Order to Have 1,000,000,000 Philippine
ine is if you saved 1,631 Philippine pesos per

in 60 years you would have 1,000,000,000
sos in savings to give to Your favourite charity! If
mpletely optional), use the Goal Seek function in
that I would pay 600 Philippine pesos per
th have been worth if I had hypothetically
er year?
ine is if you saved 600 Philippine pesos per
in 50 years you would have 4,759,036 Philippine
n savings! We should try our best to buy by our
ant (completely optional), use the Goal Seek
xcel.
change the interest rate. Lastly, increase or

number of years by just a few years and you will
ting to save more today makes a lot of sense! : )
ow (which is Exercise #1)**:
u could invest your money and earn 8% per

uy that car that costs 10,000 Philippine
your child to college. If we assume that

order to have 100,000 Philippine pesos in
e going to spend 50 Philippine pesos that
nd and so you limited yourself to spending
n investment that had an annual return of
pine pesos be worth in 50 years?
you could save a lot over 50 years by not

ng less on partying every month for 50
ying! If you saved 40 Philippine pesos per
ey on partying' be worth in 50 years?
d spending as little as possible for the next

ney concepts taught in this course. You
month by applying the concepts learned in

esos every month at an interest rate of
hilippine pesos per month at a 15% interest
(so please start saving now - thanks).

us 2-3 percent mutual fund fees. Instead,
D they outperform those mutual funds by 2-
ds and we will cover them in a lot of detail
made 8% per year for 25 years after all fees.

11% per year for 25 years after all fees.
or $24 in the year 1626. If that $24 was put
monthly allowance to buy virtual gems in
w much money that 10 Philippine pesos

50 years old!
nts to spend 4 Philippine pesos on a hot

a movie ticket once a month for the next
vestment that earns 14% annually.

Your Income Statement Measures W
Exercise #2: Your CURRENT Monthly Income Statement: Please only fill in the white
Money In: What You Make Per Month (Also Called Pre-Tax Income or Revenue)
Money You Make from Your Job Before All Taxes and Deductions (if Applicable):
Total Monthly Income from Your Job:
Money You Make from Other Sources Before All Taxes (if Applicable):
Total Monthly Money Made from Other Sources:
Total Monthly Pre-Tax Income (Before All Taxes and Deductions):
Money Out: What You Spend Per Month (Also Called Expenses and Sorted A
All Taxes (If you want, just categorize all income tax in one line, like Federal Income Tax)
<-- Click"+" to add more. Total Monthly Tax Expenses:
Car & Transportation Monthly Expenses (if Applicable):

<-- Click"+" to add more. Total Monthly Car & Transportation Expenses:
Child/Child Care Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Child/Child Care Expenses:
Communications/Computer Monthly Expenses (if Applicable):

<-- Click"+" to add more. Total Monthly Communications/Computer Expenses:
Debt Payments ( (if Applicable and Please Do Not Including Mortgage, which is listed abo
<-- Click"+" to add more. Total Monthly Debt Expenses:
Education Monthly Expenses: if Applicable and Please note that Student Loans are accou
<-- Click"+" to add more. Total Monthly Education Expenses:
Entertainment Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Entertainment Expenses:
Food & Drinks Monthly Expenses (if Applicable):

<-- Click"+" to add more. Total Monthly Food & Drink Expenses:
Fees and Fee Related Charges Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Fees & Charges Expenses:
Gifts and Donations Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Gifts and Donations Expenses:
Health / Fitness / Life Insurance Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Health / Fitness / Life Insurance Expenses:
Housing Monthly Expenses (if applicable & include Rent, Mortgage etc. please include a
<-- Click"+" to add more. Total Monthly Housing Expenses:
Personal Care Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Personal Care Expenses:
Pets Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Pets Expenses:

Shopping Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Shopping Expenses:
Vacation Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Vacation Expenses:
Other Uncategorized Monthly Expenses (if Applicable):

<-- Click"+" to add more. Total Monthly Other Expenses:
Total Monthly Money Out:
* = Could be tax deductible (we will cover this in more detail later in the course).
Exercise #2: Your Current Income Statement Results

After you complete the exercise above (meaning filling out all applicable white boxes in
then please enter today's date in this white box:
Money In: What You Make Per Month (Also Called Revenue)=
Money Out: What You Spend Per Month (Expenses)=
Net Income (meaning cash left over to save) of
As of the date listed in the white box above, our mon

pesos. We are spending 48.9% of our monthly revenu
Philippine pesos to save. By the end of this course, ou
how much we are saving per month. Now please wa
of Your Answers to Exercise #2.'
ome Statement Measures What You Make
RRENT Monthly Income Statement: Please only fill in the white boxes below.
at You Make Per Month (Also Called Pre-Tax Income or Revenue)
Enter Monthly
Amounts in the White
oney You Make from Your Job Before All Taxes and Deductions (if Applicable): Boxes Below:
Monthly Salary Before Taxes and Other Deductions 3,000.00
(From all jobs. We will deduct taxes in the Money Out section.)
Monthly Commissions/Bonuses before tax 2,000.00
Other Monthly Income from Your Job (if Applicable) 150.00
Other Monthly Income from Your Job (if Applicable) 6,000.00
960.00
Other Monthly Income from Your Job (if Applicable)
1,500.00
Total Monthly Income from Your Job: 14,410.42
oney You Make from Other Sources Before All Taxes (if Applicable):
Dividend Income
Interest Income and Income from All Investments
Rental Income (i.e., if you rent a room out using Airbnb)
Other Monthly Income from Other Sources (if Applicable)
Total Monthly Money Made from Other Sources: 0.00
al Monthly Pre-Tax Income (Before All Taxes and Deductions): 14,410.42
What You Spend Per Month (Also Called Expenses and Sorted Alphabetically)
Taxes (If you want, just categorize all income tax in one line, like Federal Income Tax)
Federal Income Tax 200.00
Sate or Provincial Income Tax 400.00
Municipal or City/Town Income Tax 320.00
Health Care Tax 3,600.00
Social Security Tax 1,000.00
1,120.00
All Other Monthly Taxes on Your Monthly Income
Other Monthly Tax Expenses (i.e., on Investments, etc.) 400.00
Other Monthly Tax Expenses (if Applicable)
Total Monthly Tax Expenses: 7,040.00
& Transportation Monthly Expenses (if Applicable):

Car Insurance
Car Maintenance
Car Payment
Car Registration
Gas
Parking
Public Transportation
Other Monthly Transportation Expenses
Total Monthly Car & Transportation Expenses: 0.00
ld/Child Care Monthly Expenses (if Applicable):

Allowance
Baby Supplies
Babysitting/Daycare*
Child Activities
Child Support
Gifs and Toys
Other Child/Child Care Expenses*
Other Monthly Child/Child Care Expenses
Total Monthly Child/Child Care Expenses: 0.00
mmunications/Computer Monthly Expenses (if Applicable):

Computer Expenses
Home Phone
Internet
Mobile Phone
Other Communications
Other Monthly Communications/Computer Expenses
Total Monthly Communications/Computer Expenses: 0.00
bt Payments ( (if Applicable and Please Do Not Including Mortgage, which is listed above)
Monthly Debt Payments on Other Loans*
Monthly Debt Payments on Student Loans*
Monthly Interest Payment on Credit Cards
All other Monthly Interest & Debt Expenses (Not Including Mortgage)*
Other Monthly Debt Expenses
Total Monthly Debt Expenses: 0.00
ucation Monthly Expenses: if Applicable and Please note that Student Loans are accounted for in the Monthly Debt Secti
Books
Supplies
Tuition
Other Education
Other Monthly Education Expenses
Total Monthly Education Expenses: 0.00
ertainment Monthly Expenses (if Applicable):

Hobbies
Magazines/Newspapers
Movies
Museum
Music
Other Entertainment
Other Monthly Entertainment Expenses
Total Monthly Entertainment Expenses: 0.00
od & Drinks Monthly Expenses (if Applicable):

Coffee/Tea/Drinks (not from Restaurants)
Dining (Restaurants)
Groceries
Other Food & Drinks
Other Monthly Food & Drink Expenses
Total Monthly Food & Drink Expenses: 0.00
es and Fee Related Charges Monthly Expenses (if Applicable):

Bank Machine (ATM) Fee
Fees for Late Payments
Financial Advisor Fee
Other Bank Fees
Other Fee Related Expenses
Other Monthly Fee Related Expenses
Total Monthly Fees & Charges Expenses: 0.00
fts and Donations Monthly Expenses (if Applicable):

Donations*
Expenses Commuting to a Charitable Event*
Gifs (not including gifs to children, which is categorized above)
Other Gifts and Donation Expenses*
Other Monthly Gifs and Donation Expenses
Total Monthly Gifts and Donations Expenses: 0.00
alth / Fitness / Life Insurance Monthly Expenses (if Applicable):

Insurance Related to your Health (not Life Insurance)
Dental Insurance*
Dentist Fee*
Eye/Vision Fee*
Eye/Vison Insurance*
Fitness Classes
Gym Fees
Life Insurance
Pharmacy Expenses
Other Doctor or Non-Fitness Health Expenses*
Other Health / Fitness / Life Insurance Monthly Expenses
Total Monthly Health / Fitness / Life Insurance Expenses: 0.00
using Monthly Expenses (if applicable & include Rent, Mortgage etc. please include all housing expenses here)
Cable for TV
Furniture
Gas & Electric
Home Improvement
Home Owner's Association Dues
Insurance Related to Your House
Lawn/Garden
Mortgage Monthly Payment*
Property Tax*
Rent
Water Utility Bill
Other Housing Expenses*
Other Monthly Housing Expenses
Total Monthly Housing Expenses: 0.00
sonal Care Monthly Expenses (if Applicable):

Haircut
Laundry/Dry-cleaning
Makeup
Spa/Massage
Other
Other Monthly Personal Care Expenses
Total Monthly Personal Care Expenses: 0.00
s Monthly Expenses (if Applicable):

Pet Food
Pet Grooming
Pet Supplies
Pet Veterinary
Other Pet Monthly Expenses
Other Monthly Pet Expenses
Total Monthly Pets Expenses: 0.00
opping Monthly Expenses (if Applicable):
Apps & Sofware
Books
Clothing
Electronics
Sporting Supplies
Other Shopping Expenses
Other Monthly Shopping Expenses
Total Monthly Shopping Expenses: 0.00
cation Expenses (if Applicable):

Hotel
Rental Car
Taxi
Tickets
Other Monthly Vacation Expenses
Total Monthly Vacation Expenses: 0.00
her Uncategorized Monthly Expenses (if Applicable):

Other Monthly Expenses
Total Monthly Other Expenses: 0.00
al Monthly Money Out: 7,040.00
Could be tax deductible (we will cover this in more detail later in the course).
: Your Current Income Statement Results

er you complete the exercise above (meaning filling out all applicable white boxes in column F),
n please enter today's date in this white box:
oney In: What You Make Per Month (Also Called Revenue)= 14,410.42
Money Out: What You Spend Per Month (Expenses)= 7,040.00
Net Income (meaning cash left over to save) of 7,370.42
s of the date listed in the white box above, our monthly revenue is 14,410 P
esos. We are spending 48.9% of our monthly revenue, leaving us with 51.1%
hilippine pesos to save. By the end of this course, our goal is to materially in
ow much we are saving per month. Now please watch the lecture called 'D
f Your Answers to Exercise #2.'
NEXT STEPS:
You Make & What You Spend
below.
% of Pre-Tax Income
21%
14%
1%
42%
6%
7%
10%
0%
0%
0%
0%
0%
0%
100%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
100%
% of Pre-Tax Income
1%
3%
2%
25%
7%
8%
3%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
49%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
the Monthly Debt Secti
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
expenses here) % of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
% of Pre-Tax Income
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
49%
% of Pre-Tax Income
100%
48.9%
51.1%
evenue is 14,410 Philippine

ving us with 51.1% or 7,370
is to materially increase
e lecture called 'Discussion
at You Spend
Exercise #3: Your NEW & IMPROVED
Optional Brief Notes:

Monthly allowance, 750.00 per week
Tutorial, 500 per person, 2 days session

50 per errands, thrice a month
Mango float, 50 per pcs, 30 pcs total sales for MWF
Munchkins, 5 per pcs, 40 pcs total sales for TTH
Cheese stcik, 10 pesos for 5 pcs, 12 set or 60 pcs total sales
for TTH
Artworks, 100 pesos per artwork, approximately 15 persons a
month For this exerci
Bank Interest , 0.25% interest per annum. Exercise #3), p
the videos in
buttons by click
as they will he
money so tha
much more m
long run to inve
absolutely ama
the final result
this exercise as
that you will be
to achieving yo
goal
Art materials
Munchkins ingredients
Cheese sticks ingredients
Mango float ingredients
Load
Transportation Fees Click
Clickto
toLearn
LearnHow
Howto
toSave
Saveoo
Tutorial materials; bondpaper, ballpen, and payments for
printed handouts and answer sheet
Optional Clickable
Your government tax agenc

Revenue and you can click
Your government's retirem

called the and you can clic
Taxes are due in Philippines

go to the website that show
Your government's educatio

the AcademiX and you can
Click
Clickto
toLearn
LearnHow
Howto
toSave
Saveon
onTran
Tra
Click
Clickto
toLearn
LearnHow
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toSave
Saveon
onTran
Tra
Optional Clickable V
Click me for vehicle history
Click me for car checks repo
Click me for carpool parkin
Click me for Android iOS ga
Click me for Apple iOS gas s
Click me for parking meter
Click
Clickto
toLearn
LearnHow
Howto
toSave
Saveon
onChi
Ch
Click
ClicktotoLearn
LearnHow
HowtotoSave
Saveon
onPh
P
Click
Clickto
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LearnHow
Howto
toSave
Saveon
o
Click
Clickto
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LearnHow
Howto
toSave
Saveon
onEd
E
Click
ClicktotoLearn
LearnHow
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Saveon
onEnte
Ent
Click
ClicktotoLearn
LearnHow
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onFoo
Foo
Click
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onFoo
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onPers
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on
ur NEW & IMPROVED Potential Monthly Income Statement: Please don't look at this exercise
Money In: What You Make Per Month (Also Called
Money You Make from Your Job Before All Taxes and Ded
For this exercise (meaning

Exercise #3), please watch
the videos in these blue
buttons by clicking on them
as they will help you save
money so that you have
much more money in the
long run to invest. You will be Total Monthly
absolutely amazed at what
the final results will be for
this exercise as I promise you Money You Make from Other Sources Before All Taxes (if
that you will be much closer
to achieving your financial
goals!
Total Monthly Money Ma
Total Monthly Pre-Tax Income (Before All Taxes
Money Out: What You Spend Per Month (Also Cal
All Taxes (If you want, just categorize all income tax in on
ick to
Click toLearn
LearnHow
Howto
toSave
Saveon
onTax
TaxExpenses
Expenses
Optional Clickable Tax Resources for Philippines:
Your government tax agency in Philippines is the Bureau of Internal

Revenue and you can click on me to go to their website.
Your government's retirement savings program in Philippines is

called the and you can click on me to go to their website.
Taxes are due in Philippines on April 15th and you can click on me to
go to the website that shows this date and other tax information.
Tota
Your government's education savings program in Philippines is called
the AcademiX and you can click on me to go to their website.
oLearn
LearnHow
Howto
toSave
Saveon
onTransportation
TransportationExpenses
Expenses
oLearn
LearnHow
Howto
toSave
Saveon
onTransportation
TransportationExpenses
Expenses
Optional Clickable Vehicle Resources for Philippines:
Click me for vehicle history reports in Philippines.
Click me for car checks reports in Philippines.
Click me for carpool parking lots in Philippines.
Click me for Android iOS gas saver apps in Philippines.
Click me for Apple iOS gas saver apps in Philippines.
Click me for parking meter apps in Philippines.
ooLearn
LearnHow
HowtotoSave
Saveon
onChild
ChildRelated
RelatedExpenses
Expenses
Total Monthly Ch
Communications/Computer Monthly Expenses (if Applica
kto
toLearn
LearnHow
Howto
toSave
Saveon
onPhone/PC
Phone/PCExpenses
Expenses
Total Monthly Communicatio
Debt Payments ( (if Applicable and Please Do Not Includi
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ickto
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onDebt
DebtExpenses
Expenses
Total M
Education Monthly Expenses: if Applicable and Please no
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EducationExpenses
Expenses
Total Mont
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onEntertainment
EntertainmentExpenses
Expenses
Total Monthly E
oLearn
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Saveon
onFood
Food&&Drinks
DrinksExpenses
Expenses
oLearn
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onFood
Food&&Drinks
DrinksExpenses
Expenses
Total Monthly
Fees and Fee Related Charges Monthly Expenses (if Appli
ck totoLearn
lick LearnHow
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onFees
FeesExpenses
Expenses
Total Fe
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DonationsExpenses
Expenses
Total Monthly Gifts a
Health / Fitness / Life Insurance Monthly Expenses (if Ap
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HealthExpenses
Expenses
Total Monthly Health / Fitness / L

Housing Monthly Expenses ( (if Applicable and Please inc
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Expenses
Total Mon
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PersonalCare
CareExpenses
Expenses
Total Monthly
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PetRelated
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Expenses
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onShopping
ShoppingExpenses
Expenses
Total Mont
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VacationExpenses
Expenses
Total Mon
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onOther
OtherExpenses
Expenses
Total M
* = Could be tax deductible (we will cover this in more deta
Exercise #3 Results: Your New and Improved Po

After you complete the exercise above (meaning filling ou
then please enter today's date in this white box:
Money In: What You Make Per Month (A
Money Out: What You Spend P
Net Income (meaning cash left
As of the date listed in the white b

Philippine pesos . We can cut spen
51.1% or 7,370 Philippine pesos to
pesos, which is what we calculated
materially increase how much we
You will love
Complete the white boxes below to
start implementing your savings pla
With Your NEW AND IMPROVED In
Please enter an annual interest rate

will tell you how much this increme
Incremental monthly savings w

Please enter an annua
Please enter the num
Va
Please don't look at this exercise below (meaning exercise #3) until asked to
: What You Make Per Month (Also Called Pre-Tax Income)

Please don’t
change the green
oney You Make from Your Job Before All Taxes and Deductions (if Applicable): shaded cells below:
Monthly Salary Before Taxes and Other Deductions 3,000.00
Monthly Commissions/Bonuses before tax 2,000.00
Other Monthly Income from Your Job (if Applicable) 6,000.00
960.00
1,500.00
Total Monthly Income from Your Job: 14,410.42
% of Previous
Dividend Income 0.00
Interest Income and Income from All Investments 0.00
Rental Income (i.e., if you rent a room out using Airbnb) 0.00
Other Monthly Income from Other Sources (if Applicable) 0.00
al Monthly Pre-Tax Income (Before All Taxes and Deductions): 14,410.42
ut: What You Spend Per Month (Also Called Expenses and Sorted Alphabetically)
You can just leave the tax cells below in cells Y51 through Y72 as is (meaning
equal to taxes from the income statement you completed in exercise 2 - your call. Thanks)
Federal Income Tax 200.00
Sate or Provincial Income Tax 400.00
Municipal or City/Town Income Tax 320.00
Health Care Tax 3,600.00
Social Security Tax 1,000.00
1,120.00
Other Monthly Tax Expenses (i.e., on Investments, etc.) 400.00
Other Monthly Tax Expenses (if Applicable) 0.00
Total Monthly Tax Expenses: 7040.00
% of Previous
& Transportation Monthly Expenses (if Applicable):
Car Insurance
Car Maintenance
Car Payment
Car Registration
Gas
Parking
0.00
% of Previous
ld/Child Care Monthly Expenses (if Applicable):
Allowance
Baby Supplies
Child Activities
Child Support
Gifs and Toys
% of Previous
mmunications/Computer Monthly Expenses (if Applicable):
Computer Expenses
Home Phone
Internet
Mobile Phone
% of Previous
bt Payments ( (if Applicable and Please Do Not Including Mortgage, which is listed above)
% of Previous
ucation Monthly Expenses: if Applicable and Please note that Student Loans are accounted for in the Month
Books
Supplies
Tuition
Other Education
% of Previous
ertainment Monthly Expenses (if Applicable):
Hobbies
Movies
Museum
Music
Other Entertainment
% of Previous
od & Drinks Monthly Expenses (if Applicable):
Groceries
Other Food & Drinks
% of Previous
es and Fee Related Charges Monthly Expenses (if Applicable):
Other Bank Fees
Total Fees & Charges Expenses: 0.00
% of Previous
fts and Donations Monthly Expenses (if Applicable):
Donations*
Other Gifts and Donation Expenses*
% of Previous
alth / Fitness / Life Insurance Monthly Expenses (if Applicable):
Dental Insurance*
Dentist Fee*
Eye/Vision Fee*
Fitness Classes
Gym Fees
Life Insurance
Pharmacy Expenses
% of Previous
using Monthly Expenses ( (if Applicable and Please include Rent, Mortgage etc. please include all housing e
Cable for TV
Furniture
Gas & Electric
Home Improvement
Lawn/Garden
Property Tax*
Rent
Water Utility Bill
% of Previous
sonal Care Monthly Expenses (if Applicable):
Haircut
Makeup
Spa/Massage
Other
% of Previous
s Monthly Expenses (if Applicable):
Pet Food
Pet Grooming
Pet Supplies
Pet Veterinary
Total Monthly Pet Expenses: 0.00
% of Previous
opping Monthly Expenses (if Applicable):
Apps & Sofware
Books
Clothing
Electronics
Sporting Supplies
% of Previous
cation Expenses (if Applicable):
Hotel
Rental Car
Taxi
Tickets
% of Previous
her Uncategorized Monthly Expenses (if Applicable):
al Monthly Money Out: 7,040.00
Could be tax deductible (we will cover this in more detail later in the course).
Results: Your New and Improved Potential Monthly Income Statement

er you complete the exercise above (meaning filling out all applicable white boxes in column F),
n please enter today's date in this white box:
oney In: What You Make Per Month (Also Called Revenue)= 14,410.42
Money Out: What You Spend Per Month (Expenses)= 7,040.00
Net Income (meaning cash left over to save) of 7,370.42
s of the date listed in the white box above, our monthly revenue potential p
hilippine pesos . We can cut spending from 48.9% to 48.9% of our monthly
1.1% or 7,370 Philippine pesos to save in this current scenario, versus 51.1%
esos, which is what we calculated in the previous exercise. By the end of th
aterially increase how much we are saving per month.
You will love this next part
omplete the white boxes below to figure out how much more money you wil
art implementing your savings plan:
With Your NEW AND IMPROVED Income Statement we are saving 0 Philippine
ease enter an annual interest rate return on your new savings below and the
ill tell you how much this incremental savings of 0 Philippine pesos will be!
Incremental monthly savings we calculated = 0

Please enter an annual interest rate:
Please enter the number of years:
Value in years = 0
#3) until asked to do so and please only fill in the white boxes below. Thanks
% of Previous Exercise's % of This Exercise's # Change of This Exercise

Pre-Tax Income Pre-Tax Income Versus Previous Exercise
21% 21% 0.00
14% 14% 0.00

1% 1% 0.00
42% 42% 0.00
6% 6% 0.00
0.00
7% 7%
0.00
10% 10%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
100% 100%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
100% 100%
betically)
1% 1% 0.00
3% 3% 0.00
2% 2% 0.00
25% 25% 0.00
7% 7% 0.00
0.00
8% 8%
3% 3% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
49% 49%

0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0% 0.00
0% 0%
49% 49%
ement
% of Pre-Tax Income
100%
48.9%
51.1%
venue potential projection is 14,410

% of our monthly revenue, leaving us with
ario, versus 51.1% or 7,370 Philippine
. By the end of this course, our goal is to
xt part!
re money you will have in the future if you
aving 0 Philippine pesos more.
ngs below and the number of years and I

e pesos will be!
0
below. Thanks

Monthly Salary Before Taxes and
21% (From all jobs. We will deduct ta
0% Car Insurance
Current
0% Car Insurance
0% Car Maintenance
0% Car Payment
0% Car Registration
0% Gas
0% Parking
0% Public Transportation
0% Other Monthly Transportation E
0% Allowance
0% Baby Supplies
0% Babysitting/Daycare*
0% Child Activities
0% Child Support
0% Gifs and Toys
0% Other Child/Child Care Expense
0% Other Monthly Child/Child Care
0% Computer Expenses
0% Home Phone
0% Internet
0% Mobile Phone
0% Other Communications
0% Other Monthly Communication
0% Monthly Debt Payments on Oth
0% Monthly Debt Payments on Stud
0% Monthly Interest Payment on Cr
0% All other Monthly Interest & De
0% Other Monthly Debt Expenses
0% Books
0% Supplies
0% Tuition
0% Other Education
0% Other Monthly Education Expen
0% Hobbies
0% Magazines/Newspapers
0% Movies
0% Museum
0% Music
0% Other Entertainment
0% Other Monthly Entertainment E
0% Coffee/Tea/Drinks (not from Re

0% Dining (Restaurants)
0% Groceries
0% Other Food & Drinks
0% Other Monthly Food & Drink Ex
0% Bank Machine (ATM) Fee

0% Fees for Late Payments
0% Financial Advisor Fee
0% Other Bank Fees
0% Other Fee Related Expenses
0% Other Monthly Fee Related Exp
0% Expenses Commuting to a Chari

0% Gifs (not including gifs to child
0% Other Gifs and Donation Expen
0% Other Monthly Gifs and Donati
0% Insurance Related to your Healt

0% Dental Insurance*
0% Dentist Fee*
0% Eye/Vision Fee*
0% Eye/Vison Insurance*
0% Fitness Classes
0% Gym Fees
0% Life Insurance
0% Pharmacy Expenses
0% Other Doctor or Non-Fitness He
0% Other Health / Fitness / Life Insu
0% Cable for TV
0% Furniture
0% Gas & Electric
0% Home Improvement
0% Home Owner's Association Due
0% Insurance Related to Your Hous
0% Lawn/Garden
0% Mortgage Monthly Payment*
0% Property Tax*
0% Rent
0% Water Utility Bill
0% Other Housing Expenses*
0% Other Monthly Housing Expens
0% Haircut
0% Laundry/Dry-cleaning
0% Makeup
0% Spa/Massage
0% Other
0% Other Monthly Personal Care Ex
0% Pet Food
0% Pet Grooming
0% Pet Supplies
0% Pet Veterinary
0% Other Pet Monthly Expenses
0% Other Monthly Pet Expenses
0% Apps & Sofware
0% Books
0% Clothing
0% Electronics
0% Sporting Supplies
0% Other Shopping Expenses
0% Other Monthly Shopping Expen
0% Hotel
0% Rental Car
0% Taxi
0% Tickets
0% Other Monthly Vacation Expens
0% Other Monthly Expenses

nthly Salary Before Taxes and Other Deductions
om all jobs. We will deduct taxes in the Money Out section.)
Insurance 0
New
Insurance 0.00 0% Car Insurance
Maintenance 0.00 0% Car Maintenance
0.00 0% Car Payment
Registration 0.00 0% Car Registration
0.00 0% Gas
0.00 0% Parking
blic Transportation 0.00 0% Public Transportation
her Monthly Transportation Expenses 0.00 0% Other Monthly Transportation E
0.00
0.00
0.00
0.00 0% Allowance
by Supplies 0.00 0% Baby Supplies
bysitting/Daycare* 0.00 0% Babysitting/Daycare*
ld Activities 0.00 0% Child Activities
0.00 0% Child Support
fs and Toys 0.00 0% Gifs and Toys
her Child/Child Care Expenses* 0.00 0% Other Child/Child Care Expense
her Monthly Child/Child Care Expenses 0.00 0% Other Monthly Child/Child Care
0.00
0.00
0.00
mputer Expenses 0.00 0% Computer Expenses
0.00 0% Home Phone
0.00 0% Internet
bile Phone 0.00 0% Mobile Phone
her Communications 0.00 0% Other Communications
her Monthly Communications/Computer 0.00 0% Other Monthly Communication
0.00
0.00
0.00
nthly Debt Payments on Other Loans* 0.00 0% Monthly Debt Payments on Oth
nthly Debt Payments on Student Loans* 0.00 0% Monthly Debt Payments on Stud
nthly Interest Payment on Credit Cards 0.00 0% Monthly Interest Payment on Cr
other Monthly Interest & Debt Expense 0.00 0% All other Monthly Interest & De
her Monthly Debt Expenses 0.00 0% Other Monthly Debt Expenses
0.00
0.00
0.00
0.00 0% Books
0.00 0% Supplies
0.00 0% Tuition
her Education 0.00 0% Other Education
her Monthly Education Expenses 0.00 0% Other Monthly Education Expen
0.00
0.00
0.00
0.00 0% Hobbies
gazines/Newspapers 0.00 0% Magazines/Newspapers
0.00 0% Movies
0.00 0% Museum
0.00 0% Music
her Entertainment 0.00 0% Other Entertainment
her Monthly Entertainment Expenses 0.00 0% Other Monthly Entertainment E
0.00
0.00
0.00
ffee/Tea/Drinks (not from Restaurants) 0.00 0% Coffee/Tea/Drinks (not from Re
ing (Restaurants) 0.00 0% Dining (Restaurants)
0.00 0% Groceries
her Food & Drinks 0.00 0% Other Food & Drinks
her Monthly Food & Drink Expenses 0.00 0% Other Monthly Food & Drink Ex
0.00
0.00
0.00
nk Machine (ATM) Fee 0.00 0% Bank Machine (ATM) Fee
es for Late Payments 0.00 0% Fees for Late Payments
ancial Advisor Fee 0.00 0% Financial Advisor Fee
her Bank Fees 0.00 0% Other Bank Fees
her Fee Related Expenses 0.00 0% Other Fee Related Expenses
her Monthly Fee Related Expenses 0.00 0% Other Monthly Fee Related Exp
0.00
0.00
0.00
0.00
penses Commuting to a Charitable Even 0.00 0% Expenses Commuting to a Chari
fs (not including gifs to children, whic 0.00 0% Gifs (not including gifs to child
her Gifs and Donation Expenses* 0.00 0% Other Gifs and Donation Expen
her Monthly Gifs and Donation Expens 0.00 0% Other Monthly Gifs and Donati
0.00
0.00
0.00
urance Related to your Health (not Life 0.00 0% Insurance Related to your Healt
ntal Insurance* 0.00 0% Dental Insurance*
0.00 0% Dentist Fee*
/Vision Fee* 0.00 0% Eye/Vision Fee*
/Vison Insurance* 0.00 0% Eye/Vison Insurance*
ness Classes 0.00 0% Fitness Classes
0.00 0% Gym Fees
e Insurance 0.00 0% Life Insurance
armacy Expenses 0.00 0% Pharmacy Expenses
her Doctor or Non-Fitness Health Expen 0.00 0% Other Doctor or Non-Fitness He
her Health / Fitness / Life Insurance Mo 0.00 0% Other Health / Fitness / Life Insu
0.00
0.00
0.00
0.00 0% Cable for TV
0.00 0% Furniture
s & Electric 0.00 0% Gas & Electric
me Improvement 0.00 0% Home Improvement
me Owner's Association Dues 0.00 0% Home Owner's Association Due
urance Related to Your House 0.00 0% Insurance Related to Your Hous
0.00 0% Lawn/Garden
rtgage Monthly Payment* 0.00 0% Mortgage Monthly Payment*
perty Tax* 0.00 0% Property Tax*
0.00 0% Rent
ter Utility Bill 0.00 0% Water Utility Bill
her Housing Expenses* 0.00 0% Other Housing Expenses*
her Monthly Housing Expenses 0.00 0% Other Monthly Housing Expens
0.00
0.00
0.00
0.00 0% Haircut
undry/Dry-cleaning 0.00 0% Laundry/Dry-cleaning
0.00 0% Makeup
0.00 0% Spa/Massage
0.00 0% Other
her Monthly Personal Care Expenses 0.00 0% Other Monthly Personal Care Ex
0.00
0.00
0.00
0.00 0% Pet Food
Grooming 0.00 0% Pet Grooming
0.00 0% Pet Supplies
Veterinary 0.00 0% Pet Veterinary
her Pet Monthly Expenses 0.00 0% Other Pet Monthly Expenses
her Monthly Pet Expenses 0.00 0% Other Monthly Pet Expenses
0.00
0.00
0.00
ps & Sofware 0.00 0% Apps & Sofware
0.00 0% Books
0.00 0% Clothing
0.00 0% Electronics
orting Supplies 0.00 0% Sporting Supplies
her Shopping Expenses 0.00 0% Other Shopping Expenses
her Monthly Shopping Expenses 0.00 0% Other Monthly Shopping Expen
0.00
0.00
0.00
0.00 0% Hotel
0.00 0% Rental Car
0.00 0% Taxi
0.00 0% Tickets
her Monthly Vacation Expenses 0.00 0% Other Monthly Vacation Expens
0.00
0.00
0.00
her Monthly Expenses 0.00 0% Other Monthly Expenses
Insurance
Maintenance
Registration
blic Transportation
her Monthly Transportation Expenses
by Supplies
bysitting/Daycare*
ld Activities
fs and Toys
her Child/Child Care Expenses*
her Monthly Child/Child Care Expenses
mputer Expenses
bile Phone
her Communications
her Monthly Communications/Computer Expenses
nthly Debt Payments on Other Loans*
nthly Debt Payments on Student Loans*
nthly Interest Payment on Credit Cards
other Monthly Interest & Debt Expenses (Not Including Mortgage)*
her Monthly Debt Expenses
her Education
her Monthly Education Expenses
gazines/Newspapers
her Entertainment
her Monthly Entertainment Expenses
ffee/Tea/Drinks (not from Restaurants)

ing (Restaurants)
her Food & Drinks

her Monthly Food & Drink Expenses
nk Machine (ATM) Fee

es for Late Payments
ancial Advisor Fee
her Bank Fees
her Fee Related Expenses
her Monthly Fee Related Expenses
penses Commuting to a Charitable Event*

fs (not including gifs to children, which is categorized above)
her Gifs and Donation Expenses*
her Monthly Gifs and Donation Expenses
urance Related to your Health (not Life Insurance)

ntal Insurance*
/Vision Fee*
/Vison Insurance*
ness Classes
e Insurance
armacy Expenses
her Doctor or Non-Fitness Health Expenses*
her Health / Fitness / Life Insurance Monthly Expenses
s & Electric
me Improvement
me Owner's Association Dues
urance Related to Your House
rtgage Monthly Payment*

perty Tax*
ter Utility Bill

her Housing Expenses*
her Monthly Housing Expenses
undry/Dry-cleaning
her Monthly Personal Care Expenses

Grooming
Veterinary
her Pet Monthly Expenses
her Monthly Pet Expenses
ps & Sofware
orting Supplies
her Shopping Expenses
her Monthly Shopping Expenses
her Monthly Vacation Expenses

her Monthly Expenses

Before we answer the questions in this exercise, let's first analyze what our largest
in our NEW & IMPROVED scenario (the chart below on the right):
CURRENT Income Statement Expense CATEGORIES as a % of Pre-Tax Income

100%
Category CURRENT Expense Percent of Pre T
90%
1 Car & Transportation
2 Child/Child Care
80%
3 Communications/Computer
70%
4 Debt
60%
5 Education
50%
6 Entertainment
40%
7 Food & Drink
8 Fees & Charges
30%
9 Gifs and Donations
20%
10 Health / Fitness / Life Insurance
10%
11 Housing
120% Personal Care t
on ar
e er eb
n
en
t
in
k
ge
s s
nc
e
in
g
ar
e
et
s
in
g
13 Pets a ti C ut D a tio m r r ti on a s C P p ti
rt ld m
p
u c i n D h a a ur o u a l o p a ca
o i & C n s n V
sp
14a nShopping Ch Co Ed rta d & Do In H o Sh
l d/ n s/ n te Foo e s d i fe e rs
r i E n P
T
Ch tio Fe a /L
a r &15 Vacation i ca i fs s s
C n G e
16 Other mu Fi
tn
m /
Co th
al
He
Below are Ratios for Your Current Monthly Income Statement (You completed Y
Current Income Statement in Exercise #2, which is the source of the
ratios data in the formulas below)
Question #1, Part 1 of 2: Monthly CURRENT Savings Rate Cal
Your Monthly Savings Rate is calculated as follows: Monthly Net Income / Your Monthly
Afer Income Tax.**
** Please note that Monthly Net Income means the Cash Increase
or Decrease After ALL Expenses have been deducted from
Incomeand please note that Monthly Income After Income Tax
means Money Made After Only Income Tax is deducted.
Please use the data in Exercise #2 and calculate what your Current Monthly Savings Rate
your calculation in the white box below:
Your Calculation for Your Current Monthly Savings Rate i
Click on the "+" to the lef of this sentence to check your answer afer you have calculated your Curren
Monthly Savings Rate.
Question #2, Part 1 of 2: Monthly CURRENT Housing Expense

a % of Pre-Tax Income
Your Monthly Housing Expense as a % of Revenue is calculated as follo

Housing Expenses / Pre-Tax Income.
Please use the data in Exercise #2 and calculate what your Current Mo
Housing Expenses as a % of Pre-Tax Income is. Put your calculation in
box below:
Your Calculation for Your Current Monthly Housing Expenses as a % of Pre-Tax Income is:
Monthly Housing Expenses as a % of Pre-Tax Income.
Question #3, Part 1 of 2: Monthly CURRENT Debt Expenses a

of Pre-Tax Income
Your Monthly Debt Expenses as a % of Pre-Tax Income is calculated as fol

Debt Expenses / Pre-Tax Income.
Please use the data in Exercise #2 and calculate what your Current Mo
Debt Expenses as a % of Pre-Tax Income is. Put your calculation in the
box below:
Your Calculation for Your Current Monthly Debt Expenses as a % of Pre Tax Income is:
Monthly Debt Expenses as a % of Pre Tax Income.
yze what our largest expenses are as a percent of our pre tax income in our current scenario (
ht):
% of Pre-Tax Income NEW & IMPROVED Income Statement Expense CATEG

100%
NT Expense Percent of Pre Tax Income Category
90%
0.00% 1 Car & Transportation
0.00% 80% 2 Child/Child Care
0.00% 70% 3 Communications/Computer
0.00% 60% 4 Debt
0.00% 5 Education
50%
0.00% 6 Entertainment
40%
0.00% 7 Food & Drink
0.00% 30% 8 Fees & Charges
0.00% 20% 9 Gifs and Donations
0.00% 10%
10 Health / Fitness / Life Insurance
0.00% 11 Housing
0%
0.00% r on
12 Personale r Care bt
on
t k s s
ng re e ts ng on he ar te
De en ri n rge on
Ca P p i
a ti t
0.00% tr a
ti
13 d
C
Pets p u
cati m D a a ti
l op c O o il om u in & Ch n su
na Sh Va sp Ch14 Shopping /C Ed rta od & Do In
sr o 0.00% n / s te o s d e
Pe Tra il d n En F
Fe
e
an
if
Ch tio /L
0.00% r & 15 i ca Vacation fs s
Ca un Gi es
0.00% m 16 Other i tn
m F /
Co l th
H ea
(You completed Your Below are Ratios for Your New & Improved Monthly
the source of the completed Your NEW+IMPROVED Income S
which is the source of the ratios data in the
avings Rate Calculation Question #1, Part 2 of 2: Monthly NEW
Net Income / Your Monthly Income Your Monthly Savings Rate is calculated as follows: Mo
Afer Income Tax.**
ans the Cash Increase ** Please note that Monthly Net Incom
een deducted from or Decrease After ALL Expenses hav
e After Income Tax Incomeand please note that Monthly Inc
x is deducted. means Money Made After Only Incom
Current Monthly Savings Rate is. Put Please use the data in Exercise #3 and calculate what y
Savings Rate is. Put your calculation in the white box b
Your Calculation for Your New & Improved Monthly
have calculated your Current Similar to what you did in Question #1 Part 1 of 2, click on the "+" to
answer afer you have calculated your Current Monthly Savings Rate.
ousing Expenses as Question #2, Part 2 of 2: Monthly NEW

Expenses as a % of Pre-Tax Income
Revenue is calculated as follows: All Your Monthly Housing Expense as

Housing Expenses / Pre-Tax Incom
culate what your Current Monthly Please use the data in Exercise #3
me is. Put your calculation in the white IMPROVED Monthly Housing Exp
calculation in the white box below
f Pre-Tax Income is: Your Calculation for Your NEW Monthly Housing Expenses as a % o
have calculated your Current Click on the "+" to the lef of this sentence to check your an
IMPROVED Monthly Housing Expenses as a % of Pre-Tax Inc
Next step: please answer Part 1 of Question #3, which is in th

Thanks
ebt Expenses as a % Question #3, Part 2 of 2: Monthly NEW

Expenses as a % of Pre-Tax Income
ax Income is calculated as follows: All Your Monthly Debt Expenses as a

follows: All Debt Expenses / Pre-T
culate what your Current Monthly Please use the data in Exercise #3
s. Put your calculation in the white IMPROVED Monthly Debt Expens
calculation in the white box below
Pre Tax Income is: Your Calculation for Your NEW Monthly Debt Expenses as a %
have calculated your Current Click on the "+" to the lef of this sentence to check your answe
IMPROVED Monthly Debt Expenses as a % of Pre Tax Income
current scenario (the chart below on the left) and
ment Expense CATEGORIES as a % of Pre-Tax Income
NEW+IMPROVED Expense Percent of Pre Tax Income

0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
k s ns ce g e s g on
0.00%e r
rin rge o n in ar Pet in ti h
D a ati ra u s l C p p ca 0.00% Ot
& Ch n s u o a o Va
d & Do In H on Sh
e s d i fe
P e rs 0.00%
Fe an / L
fs s 0.00%
Gi es
ti n 0.00%
F /
l th
H ea
mproved Monthly Income Statement (You

VED Income Statement in Exercise #3,
tios data in the formulas below)
Monthly NEW & IMPROVED Savings Rate Calculation
lculated as follows: Monthly Net Income / Your Monthly Income
t Monthly Net Income means the Cash Increase

ter ALL Expenses have been deducted from
e note that Monthly Income After Income Tax
ade After Only Income Tax is deducted.
#3 and calculate what your Monthly New & Improved Monthly
ation in the white box below:
w & Improved Monthly Savings Rate is:
of 2, click on the "+" to the lef of this sentence to check your

t Monthly Savings Rate.
Monthly NEW+IMPROVED Housing

x Income
thly Housing Expense as a % of Revenue is calculated as follows: All

xpenses / Pre-Tax Income.
e the data in Exercise #3 and calculate what your NEW &

D Monthly Housing Expenses as a % of Pre-Tax Income is. Put your
n in the white box below:
using Expenses as a % of Pre-Tax Income is:
tence to check your answer afer you have calculated your NEW &
es as a % of Pre-Tax Income.
stion #3, which is in the yellow box to the left of this blue box.
Monthly NEW+IMPROVED Debt

x Income
thly Debt Expenses as a % of Pre-Tax Income is calculated as

l Debt Expenses / Pre-Tax Income.
e the data in Exercise #3 and calculate what your NEW &

D Monthly Debt Expenses as a % of Pre-Tax Income is. Put your
n in the white box below:
ly Debt Expenses as a % of Pre-Tax Income is:

nce to check your answer afer you have calculated your NEW &
% of Pre Tax Income
Enter in the person's name that you will be meeting with in order to receive 5 piec
Money Saving Advice Tip #1 of 5:
Notes on How I can Put Tip #1 to Work with

My Saving Strategy:

My Saving Strategy:

My Saving Strategy:

My Saving Strategy:

My Saving Strategy:
with in order to receive 5 pieces of advice on how to save: Enter name here please
me here please
Please check the appropriate boxes & complete the white boxes by entering in monthly amou
Change the year & % assumptions at the bottom. So far you have identified 0 Philippine pesos
45 years at an interest rate of 12%. (The numbers in this green box will update when you mak
Savings Item Sorted Alphabetically (Check if Applicable)** Monthly Saving Amount
Airbnb Renting Instead of a Hotel Tip
Bike Rides and Family Picnics Instead of Going to the Movies Tip
Book Vacation Trips Earlier than Anyone Tip
Bottle Your Own Water Tip
Bring Your Own Drinks and Food Tip to the Movies Tip
Bring Your Own Grocery Bags Tip
Buy @ Month or Quarter End Tip
✘ Buy a Coffee Machine Tip
Buy from Another State or Province Tip
Buy the Bigger (Bulk) Food Items Tip
Buy Used Entertainment Stuff Tip
Buy Used or Rent eBooks Tip
Call and Complain (for Utilities/Phone/etc) Tip
Cancel All Credit Cards Every Year Tip
Cancel Unused Subscriptions Tip
Carpool Tip
Clothes Hesitation (Don't Buy) Tip

Cold Water Works and it’s Cheaper Tip
Cut the Cord (Cancel Cable) Tip
Ditch Your Home Phone Line Tip
Do It Yourself Home Repairs/Minor Renovations Tip
Don’t Boil Using the Stove Tip
Don’t Over Dry Clean Tip
Drink at Home First Tip
Eat What You Have First (Freezer & Pantry) Before Shopping Tip
Eliminate Many Bank Charges Tip
Environmental Tax Break (Solar) Tip
Extended Warranties are Rip Offs Tip
Freeze Accounts When Away Tip
Gas (Get it Cheaper With Apps) Tip
Generic Drugs Are Cheaper Tip
Generic Personal Products Are Cheaper Tip
Get Discount Cards at a Discount Online Tip
Gifs (Make Them Yourself) Tip
Groom Your Pet Yourself Tip
Grow Food Yourself Tip
Heating and Monitoring Your Thermostat Tips

Hire Your Kids Tip
Impulse Purchasing (7 Day Wait) Tip
In-Store Price Check with App Tip
Lights Off Tip
Lottery (Never Buy Tickets) Tip
Make and Pack All of Your Meals Tip
Make Your Own Toys and Pet Items Tip
Minimize the Mechanic’s Fees Tip
Mutual Funds are a Rip-off Tip
Never Buy New Releases Tip
Never Buy Stuff from Your Vet Tip
Online Coupons (Always Use Them) Tip
Only Shop from a Grocery List Tip
Order Appetizers or Kids Meal Tip
Pinterest Gif Ideas Tip
Points Add Up (on Credit Cards for Flights) Tip
Price Shopping and Lowering Insurance Rates Tip
Property Tax Savings Reassessment Tip
Read Read Read all Statements Tip
Retail Therapy is Not Therapeutic Tip

Shop When Nobody Else Does Tip
Speeding Tickets (How to Avoid them) Tip
Spend Time Understanding Your Company Health Benefits Tip
Stamps Cost a Fortune So Eliminate them Tip
Teach Your Kids About Money Tip
Trunk Weight Tip
Uber or Uber Like Taxi Services (Never Get Em by a Hotel) Tip
Use Cash Only Tip
Vacations Booking Off Season Tip
Wash Your Car Yourself Tip
Water Saving Tips
WhatsApp or Skype instead for Long Distance Calls Tip
When to Buy a House or Apartment Tip
Other Tip (Write Your Other Tip Here if You Want)

TOTALS -
Change the Number of Years to: 45
Change the Interest Rate to: 12.0%
NEXT STEP: We are done with Part 1: Save Money. Next up we will cover Part 2: Protect Money. Thank
** Each one of these savings items are mentioned in the savings videos in the course in the section called ">100
item on this tab.
by entering in monthly amounts & comments (if applicable), then scroll down to the bottom of this exercis
e identified 0 Philippine pesos monthly in savings, which is worth 0 Philippine pesos annually and your net
ox will update when you make changes below. Thanks
Monthly Saving Amount Yearly Saving Amount Value in 45 Years at 12% Interest Optional Comments or Money S
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over Part 2: Protect Money. Thanks
e course in the section called ">100 Ways to Save MUCH More: Let’s Create Your NEW & IMPROVED Income Statement!". You ca
he bottom of this exercise to see how much money you will save!
s annually and your net worth will be 0 Philippine pesos higher in
onal Comments or Money Saving Strategy Thoughts

D Income Statement!". You can also hit CTRL+F to search for an
Part # & Name Exercise # and Name
Exercise #1: Time Value of Money (Small Changes
Part #1 of 3: Save Money Lead to Fortunes Later in Life!)
Exercise #2: Money In & Money Out: Creating Your
Part #1 of 3: Save Money CURRENT Income Statement
Exercise #3: Creating Your NEW & IMPROVED
Part #1 of 3: Save Money Income Statement
Exercise #4: Analyzing Your CURRENT and
Part #1 of 3: Save Money New+IMPROVED Income Statement
Part #1 of 3: Save Money Exercise #5: Save Money Meeting
Part #1 of 3: Save Money Exercise #6: Save Money Checklist
Click on the Links Below to Go to An Exercise
Exercise #1: Time Value of Money (What is it Worth in the Future?)
Exercise #2: Money In & Money Out: Creating Your CURRENT Income Stmt.
Exercise #3: Creating Your NEW & IMPROVED Income Statement
Exercise #4: Analyzing Your CURRENT and New+IMPROVED Income Statement

Exercise #5: Save Money Meeting
Exercise #6: Save Money Checklist
Your Balance Sheet Measures What Y
Exercise #7: Your Balance Sheet: After you watch the lecture associated with
What You Own (Meaning Assets)
<-- Click"+" to add more. Total Assets (What You Own)
What You Owe (Meaning Liabilities)

<-- Click"+" to add more. Total Liabilities (What You Owe)
Your Net Worth = What You Own (Assets) - What You Owe (Liabilitie
Your Net Worth =

lance Sheet Measures What You Own and
ance Sheet: After you watch the lecture associated with this exercise, then pleas
u Own (Meaning Assets)

Enter Everything that
You Own
Amount in Your Checking Account (if applicable)
Amount in Your Savings Account (if applicable)
Amount in Your Money Market Account (if applicable)
Cash You Have that is Not in Your Bank Account(s)
Stocks, Mutual Funds, Bonds & All Investments in Your Retirement
Account
Stocks, Bonds & All Investments Not in Your Retirement Account

Car (list the value of the car if you could sell it now)
House (list the value of the house or apartment if you could sell it
now…we will deduct the debt or mortgage if any in the "What You
Owe" section)
Any other money that is owed to you
Collectibles or jewelry or any other items you could sell (Optional:

Go to www.eBay.com to see what you could get for items you own).
Value of Existing Life Insurance Policy if Cashed In (We will cover
Life Insurance in more detail later in the course. Leave this blank if
you want or if this is not applicable to you.)
Real Estate Investments (other than your primary residence)
Other Things You Own
Total Assets (What You Own) 0.00
u Owe (Meaning Liabilities)

Enter Everything that
You Owe
Credit Card Debts
Car Loans
Home Loans (i.e., mortgage)
Student Loans
Loans to Banks (& Other Loans not mentioned above)
Any other debt items (i.e., cable bill, medical, rent, parking etc)
All other items /bills etc that you owe others
Other Things You Owe
Total Liabilities (What You Owe) 0.00
Worth = What You Own (Assets) - What You Owe (Liabilities)
0.00
Own and What You Owe
xercise, then please only fill in the white boxes in this yellow box below.
% of Your Total Assets

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
% of Your Total Liabilities

N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
You Owe
he white boxes in this yellow box below.

N/A Amount in Your Checking Account (if applicable)
N/A Credit Card Debts

Let's Analyze a Few Balance Sheet Ra
Below are Ratios for Your Balance Sheet (You completed Your Balance Sh
Question #1: Solvency Ratio (Higher is Better)
Your Solvency Ratio is calculated by dividing Your Net Worth by Yo

Ratio % in order for us to potentially be in financial trouble. We w
our Assets were 200, then our Solvency Ratio would be 25% and i
Please use the data in Exercise #7 and calculate what your Solvency Ratio is. Put your calculation in the w
Your Calculation for

Your Solvency Ratio
is:
Click on the "+" to the lef of this sentence to check your answer afer you have calculated your Solvency Rati
Question #2: Debt to Equity Ratio (Lower is Better)
Your Debt to Equity Ratio is calculated by taking your Liabilities and dividing it by your Net Worth (also ca
Please use the data in Exercise #7 and calculate what your Debt to Equity Ratio is. Put your calculation in

Your Debt to Equity
Ratio is:
Click on the "+" to the lef of this sentence to check your answer afer you have calculated your Debt to Equit
The inputs to calculating your Debt to Equity Ratio are:
Your Liabilities (What You Owe)
Your Equity (which is What You Own - What You Owe….also called Net Worth)
Your Debt to Equity Ratio** =
** As you get older, this ratio should fall by quite a bit as you pay off your mortgage and
Question #3: Debt to Assets Ratio
Your Debt to Assets Ratio is calculated by dividing Your Debt (meaning Liabilities) by Your Assets. The res
below 50%.
Please use the data in Exercise #5 and calculate what your Debt to Assets Ratio is. Put your calculation in

Your Debt to Assets
Ratio is:
Click on the "+" to the lef of this sentence to check your answer afer you have calculated your Debt to Asset
alyze a Few Balance Sheet Ratios (So We C
s for Your Balance Sheet (You completed Your Balance Sheet in Exercise #7, which
1: Solvency Ratio (Higher is Better)
Your Solvency Ratio is calculated by dividing Your Net Worth by Your Assets. The result is a percent ratio an
Ratio % in order for us to potentially be in financial trouble. We will focus on increasing your Solvency Rati
our Assets were 200, then our Solvency Ratio would be 25% and if our Assets dropped in value by 25%, th
ta in Exercise #7 and calculate what your Solvency Ratio is. Put your calculation in the white box below:
lef of this sentence to check your answer afer you have calculated your Solvency Ratio.
2: Debt to Equity Ratio (Lower is Better)
ty Ratio is calculated by taking your Liabilities and dividing it by your Net Worth (also called Equity).
ta in Exercise #7 and calculate what your Debt to Equity Ratio is. Put your calculation in the white box below:
lef of this sentence to check your answer afer you have calculated your Debt to Equity Ratio.
e inputs to calculating your Debt to Equity Ratio are:
Your Liabilities (What You Owe) 0.00
Your Equity (which is What You Own - What You Owe….also called Net Worth) 0.00
Your Debt to Equity Ratio** = N/A
As you get older, this ratio should fall by quite a bit as you pay off your mortgage and other obligations.
3: Debt to Assets Ratio
ets Ratio is calculated by dividing Your Debt (meaning Liabilities) by Your Assets. The result is a percent ratio and lower is better.
ta in Exercise #5 and calculate what your Debt to Assets Ratio is. Put your calculation in the white box below:
lef of this sentence to check your answer afer you have calculated your Debt to Assets Ratio.
s (So We Can Improve them Over Time)
Exercise #7, which is the source of the ratios data in the formulas below).
The result is a percent ratio and higher is better. This is important as the value of our assets would need to fall by our Solvency
increasing your Solvency Ratio in this course and we want this percent to be above 50%. For example, if Net Worth was 50 and
dropped in value by 25%, then we could be in financial trouble.
).
box below:
cent ratio and lower is better. We will focus on increasing your Debt to Assets Ratio in this course and we want this percent to be
box below:
rove them Over Time)
of the ratios data in the formulas below).
s important as the value of our assets would need to fall by our Solvency
want this percent to be above 50%. For example, if Net Worth was 50 and
cial trouble.
sing your Debt to Assets Ratio in this course and we want this percent to be
Let's Analyze Ratios that Use Our Inc
Below are Ratios that Use Data from Your Income Statement and Your Balance S
Exercise #7, which are the source of the ratios data in the formula
Question #1: Lost Job Coverage Ratio (Higher is Better)
Your Lost Job Coverage Ratio is calculated by dividing Your Net Worth by Your Annual Expenses (not inc
least once...&sometimes many years later you look back and actually realize that it's a blessing in disguis
have our Net Worth cover our annual Expenses (assuming we can sell some of our assets).
:-) Please use the data in Exercise #2 and in Exercise #7 and calculate what your Lost Job Coverage Ratio is.

Your Lost Job
Coverage Ratio is:
Click on the "+" to the lef of this sentence to check your answer afer you have calculated your Lost Job Cove
Question #2: Life Insurance Coverage Ratio (Higher is Bet
If you are married and/or have kids, it's important to consider getting life insurance (which we will cover
this is through getting a life insurance policy (again, we will cover this later in the course). Your Life Insur
equals how many years worth of expenses are covered for your family.
Please use the data in Exercise #2 and in Exercise #7 and calculate what your Life Insurance Coverage Ra

Your Life Insurance
Coverage Ratio is:
Click on the "+" to the lef of this sentence to check your answer afer you have calculated your Life Insurance
alyze Ratios that Use Our Income Stateme
s that Use Data from Your Income Statement and Your Balance Sheet (You completed You
which are the source of the ratios data in the formulas below).
1: Lost Job Coverage Ratio (Higher is Better)
erage Ratio is calculated by dividing Your Net Worth by Your Annual Expenses (not including Income Taxes as we wouldn't have
metimes many years later you look back and actually realize that it's a blessing in disguise if you are not passionate about what y
rth cover our annual Expenses (assuming we can sell some of our assets).
ta in Exercise #2 and in Exercise #7 and calculate what your Lost Job Coverage Ratio is. Put your calculation in the white box bel
lef of this sentence to check your answer afer you have calculated your Lost Job Coverage Ratio.
2: Life Insurance Coverage Ratio (Higher is Better)
d and/or have kids, it's important to consider getting life insurance (which we will cover later in this course). You want your fami
tting a life insurance policy (again, we will cover this later in the course). Your Life Insurance Coverage Ratio = (Your Life Insuranc
years worth of expenses are covered for your family.
ta in Exercise #2 and in Exercise #7 and calculate what your Life Insurance Coverage Ratio is. Put your calculation in the white b
lef of this sentence to check your answer afer you have calculated your Life Insurance Coverage Ratio.
e Statement AND Our Balance Sheet
ou completed Your Income Statement in Exercise #2 and your Balance Sheet
w).
me Taxes as we wouldn't have to pay incomes taxes if we were out of work, which happens to everybody, myself included, at
not passionate about what you are doing). Of course a higher Lost Job Coverage Ratio is better. Above 1x is ideal so that we ca
lculation in the white box below:
s course). You want your family to have at least 10 years worth of annual expenses in order to be ok. The best way to accomplish
age Ratio = (Your Life Insurance Coverage Pay Out + Your Net Worth) / Your Annual Expenses Excluding Income Taxes and this all
our calculation in the white box below:

Ratio.
Our Balance Sheet
ement in Exercise #2 and your Balance Sheet in
we were out of work, which happens to everybody, myself included, at

e a higher Lost Job Coverage Ratio is better. Above 1x is ideal so that we can
ars worth of annual expenses in order to be ok. The best way to accomplish
our Net Worth) / Your Annual Expenses Excluding Income Taxes and this all
Let's calculate how much you nee
Please only enter or change the white cells (please select to t
Settings button above to change your age and/or your retire
Your current age**: 19
Your expected retirement age**: 60
Monthly savings: 299.50

Number of years: 41
Annual interest rate if you invested the savings***: 9.5%

** Very important legal disclosure: Samantha Paula please be advised

:) can change your current age and retirement age by clicking on the Setti
button….but Samantha Paula please be advised that if you enter an ag
much younger than your current age that you will not actually get you
Sorry I promise no more 'Dad Humour' in this course! : )
*** The average historical annual stock market return is about 9.5%.
Your government's retirement savings program in Philippines is called the and you can c
h you need to retire based on your assum
ells (please select to the dark grey
age and/or your retirement age):

pesos more in savings! If you want
the Goal Seek function in Excel (clic
What-If-Analysis button).
ntha Paula please be advised that you

ent age by clicking on the Setting
dvised that if you enter an age that is
you will not actually get younger.
this course! : )
return is about 9.5%.
es is called the and you can click on me to go to their website.

our assumptions.
ine is if you saved 300 Philippine pesos per

in 41 years you would have 1,793,516 Philippine
n savings! If you want (completely optional), use
k function in Excel (click the Data tab, then the
ysis button).
Let's calculate how much you need to pay f
Monthly savings:
Number of years:
Annual interest rate if you invested the savings**:
Value in years: -
** The average historical annual stock market return is about 9.5%.
Your government's education savings program in Philippines is called the AcademiX and
For many more great online education calculators, please see this website:
need to pay for education based on your assumptions.
The bottom line is if you saved 0 Ph

then in years you would have 0 Phi
your kids' education! If you want (c
the Goal Seek function in Excel (clic
What-If-Analysis button).
eturn is about 9.5%.
s is called the AcademiX and you can click on me to go to their website.
please see this website: http://www.savingforcollege.com/tools_calculators/

assumptions.
ine is if you saved 0 Philippine pesos per month,

s you would have 0 Philippine pesos in savings for
ucation! If you want (completely optional), use
k function in Excel (click the Data tab, then the
ysis button).
Protecting Your Money by Paying a$ Little T
Governments want you to save. Not taking advantage of as many tax incentives
Question #1: Retirement Savings
if you work for company, talk to your boss or HR and make sure that you deduct as much as possible from
retirement savings changes a lot. Just make sure to know what the maximum amount is. The amount yo
top of this amount. All companies are different as well. In the US, retirement savings is called 401k and C
much more annually as you don't have a pension. We will discuss what to invest your Retirement Saving
high] taxes.
Play around with the numbers in the white boxes below by assuming that you pay taxes in a non retirem
your annual retirement savings. You only pay taxes once you take out your retirement savings many year
Question 1 Part 1: Enter values in the white boxes above to solve this question. If you saved 16,000 Philipp
Now do the exact same question again, but assume that your annual tax rate was 0% and then you pay the
Question 1 Part 2: Do the exact same question as Part 1 (above), except assume that you invested fo
earlier (meaning saving in your retirement vehicle for 30 years instead of 25 year).
Click on the "+" to the lef of this sentence to check your answers.
You would have 386,206 Philippine pesos more by the end of 30 years afer paying 40% ta
Question #2: Education Savings
Paying for university education for your children is very expensive. As such, in many countries, you can s
total amount; in the US, it's $70k per person or $140k per married couple (a lot of money...I know). The
savings program is called a 529 Plan. In other countries, there are different names; for example, in Canad
Your government's education savings program in Philippines is called the AcademiX and you can click on
Question 2 Part 1: Let's assume that you and your married partner want to send your child to univer
contribution would need to be in order to have 140,000 saved (pre tax) in 18 years (use an interest rate of
Question 2 Part 2: Please do the exact same calculation that you did in Question 2, Part 1, except ass
9.5% and the value you want to have saved in 18 years pre tax is 280,000. What would your annual savings
Question #3: Saving for a MASSIVE item to have when you
This question is ridiculous, but fun! In 50 years when you retire, you want to spend $65mn US on a Gulfstre
after tax, we need to calculate how much we need to save annually in order to buy it (we will assume the p
g Your Money by Paying a$ Little Tax as Po$$ible
ant you to save. Not taking advantage of as many tax incentives as possible is like throwing yo
1: Retirement Savings
mpany, talk to your boss or HR and make sure that you deduct as much as possible from each paycheck. If applicable, every cou
gs changes a lot. Just make sure to know what the maximum amount is. The amount you can deduct in the US as of now, for exa
nt. All companies are different as well. In the US, retirement savings is called 401k and Canada it's RRSP, in England it's PPP and i
ally as you don't have a pension. We will discuss what to invest your Retirement Savings in Part 3 of the Course - the Make Mon
the numbers in the white boxes below by assuming that you pay taxes in a non retirement savings account or you don't pay tax
ement savings. You only pay taxes once you take out your retirement savings many years in the future (the power of compound
Annual Retirement Savings Contribution =
Interest Rate =
Tax Rate =
Years =
Value in years = 0
ter values in the white boxes above to solve this question. If you saved 16,000 Philippine pesos annually at an interest rate of
me question again, but assume that your annual tax rate was 0% and then you pay the 40% tax on that final amount, then com
2: Do the exact same question as Part 1 (above), except assume that you invested for 25 years instead of 30 years. When yo
ng in your retirement vehicle for 30 years instead of 25 year).
lef of this sentence to check your answers.
u would have 386,206 Philippine pesos more by the end of 30 years afer paying 40% tax on that final amount than if you paid 4
2: Education Savings
sity education for your children is very expensive. As such, in many countries, you can save money and let it grow tax free just lik
he US, it's $70k per person or $140k per married couple (a lot of money...I know). Then when your child is ready to start unive
s called a 529 Plan. In other countries, there are different names; for example, in Canada it's called an RESP.
's education savings program in Philippines is called the AcademiX and you can click on me to go to their website.
1: Let's assume that you and your married partner want to send your child to university in 18 years and you want to have 14
eed to be in order to have 140,000 saved (pre tax) in 18 years (use an interest rate of 9.5% for this example):
Interest Rate =
Tax Rate =
Years =
Value in years = 0
2: Please do the exact same calculation that you did in Question 2, Part 1, except assume that you have 2 kids that you want
ou want to have saved in 18 years pre tax is 280,000. What would your annual savings contribution be? Use the table below f
Interest Rate =
Tax Rate =
Years =
Value in years = 0
3: Saving for a MASSIVE item to have when you retire like a private j
lous, but fun! In 50 years when you retire, you want to spend $65mn US on a Gulfstream G650 Private Jet, which is so bad as
calculate how much we need to save annually in order to buy it (we will assume the price will still be $65 mn in the future....m
Interest Rate =
Years =
Value in years pre tax = 0
Tax Rate =
Value in years after tax = 0.00

s Po$$ible (Take Advantage of Tax Incentive$)
ble is like throwing your money in the garbage!
check. If applicable, every country has different amounts that you can deduct and the amount you can contribute to your
ct in the US as of now, for example is about $18k annually per person. Check to see if your company matches and contributes o
RRSP, in England it's PPP and in Australia it's called a Superannuation. In many places if you are self employed, you can contribut
of the Course - the Make Money Part. For now, I want to put this on your radar screen so you can protect your money from [far t
account or you don't pay taxes (meaning make the Tax Rate 0%). You will see the importance in this exercise of trying to max ou
ure (the power of compound annual tax free interest rocks!).
nnually at an interest rate of 12.5% and you paid taxes of 40% annually for 30 years, what would the value be in 30 years?
n that final amount, then comment on how much more money you would save by the end of 30 years.
nstead of 30 years. When you get the answer, you will be amazed at how much more money you can save by starting 5 years
nal amount than if you paid 40% annual tax.
and let it grow tax free just like saving for retirement. Instead of an annual maximum amount, many countries have a maximum
ur child is ready to start university at 18 years old, you take the money out and pay taxes. In the US, this education retirement
d an RESP.
o their website.
ears and you want to have 140,000 saved up in 18 years. Using the table below, calculate what your annual tax free
is example):
you have 2 kids that you want to send to university in 18 years. For the question, also assume that the annual interest rate is
on be? Use the table below for your calculations.
e like a private jet!
Private Jet, which is so bad ass and looks like the pictures below on the right here. Since the $65mn would need to be spent
ll be $65 mn in the future....meaning no inflation)! Assume that the interest rate is 17% and that the tax rate is 37%.
vantage of Tax Incentive$)
garbage!
nts that you can deduct and the amount you can contribute to your
ually per person. Check to see if your company matches and contributes on
uperannuation. In many places if you are self employed, you can contribute
to put this on your radar screen so you can protect your money from [far too
ax Rate 0%). You will see the importance in this exercise of trying to max out
rocks!).
es of 40% annually for 30 years, what would the value be in 30 years?

ore money you would save by the end of 30 years.
ill be amazed at how much more money you can save by starting 5 years
Instead of an annual maximum amount, many countries have a maximum
take the money out and pay taxes. In the US, this education retirement
ars. Using the table below, calculate what your annual tax free
18 years. For the question, also assume that the annual interest rate is
ures below on the right here. Since the $65mn would need to be spent
ssume that the interest rate is 17% and that the tax rate is 37%.
Tax Filing Organizer Print Date = 01/18/2020
TAX, RECEIPTS & ALL MONEY DOCUMENTS FOR THE YEAR:
MONTHLY BANK STATEMENTS INCLUDED: COMPLETE:

JAN: FEB: MAR: APR: MAY: JUN: JUL: AUG: SEP: OCT: NOV: DEC:
BANK ACCOUNT #1:_____________

BANK ACCOUNT #2:_____________
OTHER #3:_____________
OTHER #4:_____________
COMPLETE:
MONTHLY RECEIPT ENVELOPES INCLUDED:
12 ENVELOPES INCLUDED FOR:
MONTHLY INVESTMENT/RETIREMENT STATEMENTS INCLUDED: COMPLETE:

STATEMENT #1: ________________

STATEMENT #2: ________________
STATEMENT #3: ________________
MONTHLY MORTGAGE &/OR HOUSING STATEMENTS INCLUDED: COMPLETE:

STATEMENT #1: ________________

STATEMENT #2: ________________
MONTHLY INSURANCE & OTHER EXPENSE STATEMENTS INCLUDED: COMPLETE:

STATEMENT #1: ________________
STATEMENT #2: ________________
STATEMENT #3: ________________
GOVERNMENT + COMPANY TAX DOCS RECEIVED ARE: ____________________________
OTHER NOTES AND $ GOALS: ________________________________________________________________

ADDITIONAL COMPUTER FILES ARE LOCATED AT: ______________________________________________
YEAR END ASSETS OF ___________ MINUS LIABILITIES OF ___________ = NET WORTH OF _________________
YEAR END SAVINGS TOTAL IS _________, OF WHICH THIS AMOUNT IS IN RETIREMENT ACCOUNT(S): _________
OUR TAXES HAVE BEEN FILED ON _______ AND WE EXPECT A TAX REFUND OR PAYMENT OF ____________
OUR ACTUAL TAX REFUND OR PAYMENT WAS FOR THIS AMOUNT + COMMENT: __________________________
Page 1 of 1
Exercise #14: Similar to what we did with our Income Statement earlier,
Money You Make from Your Job Before All Taxes and Deductions (if Applicable):
Money In:
Total Monthly Income from Your Job:
Money You Make from Other Sources Before All Taxes (if Applicable):
Total Monthly Money Made from Other Sources:
Total Monthly Pre-Tax Income (Before All Taxes and Deductions):

Money Out: What You Spend Per Month (Also Called Expenses and Sorted A
All Taxes (If you want, just categorize all income tax in one line, like Federal Income Tax)
<-- Click"+" to add more. Total Monthly Tax Expenses:
<-- Click"+" to add more. Total Monthly Car & Transportation Expenses:

<-- Click"+" to add more. Total Monthly Child/Child Care Expenses:
Communications/Computer Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Communications/Computer Expenses:
Debt Payments ( (if Applicable and Please Do Not Including Mortgage, which is listed abo
<-- Click"+" to add more. Total Monthly Debt Expenses:
Education Monthly Expenses: if Applicable and Please note that Student Loans are accou
<-- Click"+" to add more. Total Monthly Education Expenses:

<-- Click"+" to add more. Total Monthly Entertainment Expenses:
<-- Click"+" to add more. Total Monthly Food & Drink Expenses:
Fees and Fee Related Charges Monthly Expenses (if Applicable):
<-- Click"+" to add more. Total Monthly Fees & Charges Expenses:
<-- Click"+" to add more. Total Monthly Gifts and Donations Expenses:
Health / Fitness / Life Insurance Monthly Expenses (if Applicable):

<-- Click"+" to add more. Total Monthly Health / Fitness / Life Insurance Expenses:
Housing Monthly Expenses (if applicable & include Rent, Mortgage etc. please include a
<-- Click"+" to add more. Total Monthly Housing Expenses:

<-- Click"+" to add more. Total Monthly Personal Care Expenses:
<-- Click"+" to add more. Total Monthly Pets Expenses:
<-- Click"+" to add more. Total Monthly Shopping Expenses:
<-- Click"+" to add more. Total Monthly Vacation Expenses:

<-- Click"+" to add more. Total Monthly Other Expenses:
* = Could be tax deductible.
Total Net Income:

ar to what we did with our Income Statement earlier, we will create a monthly
Month #1
Budget
oney You Make from Your Job Before All Taxes and Deductions (if Applicable):
Monthly Salary Before Taxes and Other Deductions
Monthly Commissions/Bonuses before tax
Total Monthly Income from Your Job: 0.00
Dividend Income
Interest Income and Income from All Investments
Rental Income (i.e., if you rent a room out using Airbnb)
al Monthly Pre-Tax Income (Before All Taxes and Deductions): 0.00

What You Spend Per Month (Also Called Expenses and Sorted Alphabetically)
% of Pre-Tax Incom
Federal Income Tax
Sate or Provincial Income Tax
Municipal or City/Town Income Tax
Health Care Tax
Social Security Tax
Other Monthly Tax Expenses (i.e., on Investments, etc.)
Total Monthly Tax Expenses: 0.00
& Transportation Monthly Expenses (if Applicable): % of Pre-Tax Incom

Car Insurance
Car Maintenance
Car Payment
Car Registration
Gas
Parking
Total Monthly Car & Transportation Expenses: 0.00
ld/Child Care Monthly Expenses (if Applicable): % of Pre-Tax Incom

Allowance
Baby Supplies
Child Activities
Child Support
Gifs and Toys
mmunications/Computer Monthly Expenses (if Applicable): % of Pre-Tax Incom

Computer Expenses
Home Phone
Internet
Mobile Phone
bt Payments ( (if Applicable and Please Do Not Including Mortgage, which is listed above) % of Pre-Tax Incom
ucation Monthly Expenses: if Applicable and Please note that Student Loans are accounted for in the Monthly Debt Section)
Books
Supplies
Tuition
Other Education
ertainment Monthly Expenses (if Applicable): % of Pre-Tax Incom

Hobbies
Movies
Museum
Music
Other Entertainment
od & Drinks Monthly Expenses (if Applicable): % of Pre-Tax Incom

Groceries
Other Food & Drinks
es and Fee Related Charges Monthly Expenses (if Applicable): % of Pre-Tax Incom
Other Bank Fees
Total Monthly Fees & Charges Expenses: 0.00
fts and Donations Monthly Expenses (if Applicable): % of Pre-Tax Incom

Donations*
Other Gifs and Donation Expenses*
alth / Fitness / Life Insurance Monthly Expenses (if Applicable): % of Pre-Tax Incom
Dental Insurance*
Dentist Fee*
Eye/Vision Fee*
Fitness Classes
Gym Fees
Life Insurance
Pharmacy Expenses
using Monthly Expenses (if applicable & include Rent, Mortgage etc. please include all housing expenses here)
Cable for TV
Furniture
Gas & Electric
Home Improvement
Lawn/Garden
Property Tax*
Rent
Water Utility Bill
sonal Care Monthly Expenses (if Applicable): % of Pre-Tax Incom

Haircut
Makeup
Spa/Massage
Other
s Monthly Expenses (if Applicable): % of Pre-Tax Incom

Pet Food
Pet Grooming
Pet Supplies
Pet Veterinary
Total Monthly Pets Expenses: 0.00
opping Monthly Expenses (if Applicable): % of Pre-Tax Incom

Apps & Sofware
Books
Clothing
Electronics
Sporting Supplies
cation Expenses (if Applicable): % of Pre-Tax Incom

Hotel
Rental Car
Taxi
Tickets
her Uncategorized Monthly Expenses (if Applicable): % of Pre-Tax Incom

al Monthly Money Out: 0.00
Could be tax deductible.
otal Net Income: 0.00

l create a monthly budget. I made each category equal to your Income Statem
Month #1 % Month #1 %
of Pre-Tax
Month #1 of Pre-Tax
Income Actual Income
N/A N/A
N/A N/A
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% of Pre-Tax Income % of Pre-Tax Income
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the Monthly Debt Section)

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expenses here)
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N/A 0.00 N/A

Month #2 Budget
each category equal to your Income Statement categories in case you change
FOLLOW THIS ARROW FOR MONTHS #2 THOUGH #12
Month #2
Budget
Optional Brief Notes About Month #1 Budget
0.00
0.00
0.00
x Income % of Pre-Tax Incom
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget
Month #2 % of Month #2 % of
Pre-Tax
Month #2 Pre-Tax
N/A N/A
N/A N/A
N/A N/A
N/A N/A
N/A N/A
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N/A 0.00 N/A

Month #3 Budget
Month #3
Budget
0.00
0.00
0.00
Income % of Pre-Tax Income
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget
Month #3 % of Month #3 Month #3 % of Pre-

Pre-Tax Income Actual Tax Income
N/A N/A
N/A N/A
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Month #4 Budget
Month #4
Budget
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0.00
0.00
0.00
0.00

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0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget

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Month #5 Budget
Month #5
Budget
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0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget

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N/A 0.00 N/A

Month #6 Budget
Month #6
Budget
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget

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N/A 0.00 N/A

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N/A 0.00 N/A

Month #7 Budget
Month #7
Budget
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget

N/A N/A
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N/A 0.00 N/A
N/A 0.00 N/A

Month #8 Budget
Month #8
Budget
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget

N/A N/A
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N/A 0.00 N/A
N/A 0.00 N/A

Month #9 Budget
Month #9
Budget
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
Budget
Month #2 % of Month #9 % of
Pre-Tax
Month #9 Pre-Tax
N/A N/A
N/A N/A
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N/A 0.00 N/A

Month #10 Budget
Month #10
Budget
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0 Budget
Month #10 % of Month #10 Month #10 % of

Pre-Tax Income Actual Pre-Tax Income
N/A N/A
N/A N/A
N/A N/A
N/A N/A
N/A N/A
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N/A N/A
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N/A 0.00 N/A
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N/A 0.00 N/A

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Month #11 Budget
Month #11
Budget
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

0.00
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0.00
0.00
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0.00
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1 Budget

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Month #12 Budget
Month #12
Budget
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Income
Income
Income
Income
Income
Income
Income
Income
Income
Income
Income
Income
Income
Income
Income
Monthly Salary Before Taxes and Other Deductions
N/A (From all jobs. We will deduct taxes in the Money Out sectio
Current
N/A Car Insurance
N/A Car Maintenance
N/A Car Payment
N/A Car Registration
N/A Gas
N/A Parking
N/A Public Transportation
N/A Other Monthly Transportation Expenses
N/A Allowance
N/A Baby Supplies
N/A Babysitting/Daycare*
N/A Child Activities
N/A Child Support
N/A Gifs and Toys
N/A Other Child/Child Care Expenses*
N/A Other Monthly Child/Child Care Expenses
N/A Computer Expenses

N/A Home Phone
N/A Internet
N/A Mobile Phone
N/A Other Communications
N/A Other Monthly Communications/Computer
N/A Monthly Debt Payments on Other Loans*

N/A Monthly Debt Payments on Student Loans*
N/A Monthly Interest Payment on Credit Cards
N/A All other Monthly Interest & Debt Expense
N/A Other Monthly Debt Expenses
N/A Books
N/A Supplies
N/A Tuition
N/A Other Education
N/A Other Monthly Education Expenses
N/A Hobbies
N/A Magazines/Newspapers
N/A Movies
N/A Museum
N/A Music
N/A Other Entertainment
N/A Other Monthly Entertainment Expenses
N/A Coffee/Tea/Drinks (not from Restaurants)

N/A Dining (Restaurants)
N/A Groceries
N/A Other Food & Drinks
N/A Other Monthly Food & Drink Expenses
N/A Bank Machine (ATM) Fee

N/A Fees for Late Payments
N/A Financial Advisor Fee
N/A Other Bank Fees
N/A Other Fee Related Expenses
N/A Other Monthly Fee Related Expenses
N/A Expenses Commuting to a Charitable Even

N/A Gifs (not including gifs to children, whic
N/A Other Gifs and Donation Expenses*
N/A Other Monthly Gifs and Donation Expens
N/A Insurance Related to your Health (not Life

N/A Dental Insurance*
N/A Dentist Fee*
N/A Eye/Vision Fee*
N/A Eye/Vison Insurance*
N/A Fitness Classes
N/A Gym Fees
N/A Life Insurance
N/A Pharmacy Expenses
N/A Other Doctor or Non-Fitness Health Expen
N/A Other Health / Fitness / Life Insurance Mo
N/A Cable for TV

N/A Furniture
N/A Gas & Electric
N/A Home Improvement
N/A Home Owner's Association Dues
N/A Insurance Related to Your House
N/A Lawn/Garden
N/A Mortgage Monthly Payment*
N/A Property Tax*
N/A Rent
N/A Water Utility Bill
N/A Other Housing Expenses*
N/A Other Monthly Housing Expenses
N/A Haircut
N/A Laundry/Dry-cleaning
N/A Makeup
N/A Spa/Massage
N/A Other
N/A Other Monthly Personal Care Expenses
N/A Pet Food
N/A Pet Grooming
N/A Pet Supplies
N/A Pet Veterinary
N/A Other Pet Monthly Expenses
N/A Other Monthly Pet Expenses
N/A Apps & Sofware

N/A Books
N/A Clothing
N/A Electronics
N/A Sporting Supplies
N/A Other Shopping Expenses
N/A Other Monthly Shopping Expenses
N/A Hotel
N/A Rental Car
N/A Taxi
N/A Tickets
N/A Other Monthly Vacation Expenses
N/A Other Monthly Expenses

d Other Deductions
axes in the Money Out section.)
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Comparing Banks
BDO Metrobank Landbank BPI Security Bank
1: INSURANCE: How much of my

money is insured by the government if I
were to put or keep my money in an
account at your bank?
Your country's government insures money in the bank up to PHP 500,000 Philippine pesos and you can click on me to go to the Philippine Deposit Insurance Corporation website.
2: INTEREST RATE: If I were to put my

money at your bank, what is the
interest rate I would earn on my
money?
3: WITHDRAWAL FEES: What are the

fees to take money out of your bank
using a bank machine?
4: MINIMUM BALANCE FEES: Is there a

minimum balance that I must have in
order to pay lower fees?
5: BOUNCED CHECK FEES: What is the

fee if I accidentally bounce a check?
6: CLOSING ACCOUNT FEES: What is

the charge if I decide to close my
account?
7: WIRING FEE: What is the fee to send

a wire?
8: MONTHLY FEE: What is the monthly

fee to keep my money in account at
your bank?
9: CHECKING FEE: What is the charge

to write a check?
10: OTHER ATM FEE: Is there a charge

that your bank ALSO charges me if I use
another bank’s bank machine when
taking out money?
11: FOREIGN TRANSACTION FEE: Is

there a fee I must pay if I spend money
in other countries?
12: OTHER FEES: What are all of the

other fees that I have not asked you
about?
Other Comments about this bank:
NEXT STEP: If you found a bank or financial institution based on your research by answering the 12 questions above that you feel is a safer place to put your money AND with relatively more attractive fees, then consider switching banks.
Last Save Date: 01/18/2020

Page 1 of 1 Last Save Time: 15:15:19
As a final PROTECT money exercise, please answer the questions below by selectin
below. Thanks:
Questions (Sorted Alphabetically):

Accountant: Have you found an accountant to work with?
Bank Fees: Do you feel comfortable with the fee structure of the bank you are using?
Bank Insurance: Do you understand how much money you have that is government insured?
Budget: Have you created a budget?
Company Benefits: Do you understand what benefits (if applicable) that your company
provides?
Credit Cards: Do you feel comfortable with the number of credit cards that you have (less is
better of course)?
Credit Rating/Score: Do you feel comfortable with your current credit rating/score (if
applicable)?
Error Checking: Are you checking every statement that you receive to make sure that they don't
contain any errors?
Identity Theft: Are you comfortable with how you are protecting yourself from potential identity
thef?
Insurance: Do you have enough insurance (car + life + health + dental + vision + home insurance
if applicable)?
Net Worth: Did you calculate your Net Worth?
Organization System: Do you have an organized system to collect your bills, receipts and all
money documents?
Retirement Needs: Do you have a general sense of how much money you need to retire?
Retirement/Education Savings: Do you feel comfortable with your current retirement savings
(and education savings if applicable) accounts?
Tax Benefits: Are you taking advantage of more tax benefits?

Will & Trust: Have you created a will and trust?
NEXT STEP: We are done with Part 2: Protect Money. Next up we will cover Part 3 Make Money. Please w
uestions below by selecting Yes, No or N/A. Then make optional comments in the Next Step o
Please Answer Yes, No or N/A Next Steps or Optional Comments:
Yes No N/A
you are using? Yes No N/A
government insured? Yes No N/A
Yes No N/A
at your company
Yes No N/A
that you have (less is
Yes No N/A
rating/score (if
Yes No N/A
make sure that they don't
Yes No N/A
elf from potential identity
Yes No N/A
vision + home insurance
Yes No N/A
Yes No ● N/A
bills, receipts and all

Yes No ● N/A
ou need to retire?
Yes No N/A
ent retirement savings
Yes No ● N/A
Yes No ● N/A
Yes No N/A
cover Part 3 Make Money. Please watch lecture the first lecture of Part 3 of the course now. Thanks
nts in the Next Step or Comments box beside each item
mments:
Exercise #7: Creating & Understanding Your
Part #2 of 3: Protect Money Balance Sheet (“What You Own and What You
Owe”)
Part #2 of 3: Protect Money Exercise #8: Analyzing Your Balance Sheet
Exercise #9: Analyzing Your Balance Sheet AND
Part #2 of 3: Protect Money Your Income Statement Together
Part #2 of 3: Protect Money Exercise #10: How Much Do You Need to Retire?
Exercise #11: How Much Do You Need for

Part #2 of 3: Protect Money
Education Expenses?
Part #2 of 3: Protect Money Exercise #12: Pay Less Tax Strategies
Exercise #13: A Simple & Effective Money, Taxes,
Part #2 of 3: Protect Money Receipts and Statements Filing System
Part #2 of 3: Protect Money Exercise #14: Budget Planning
Exercise #15; Is Your Money Safe? Protect Your
Part #2 of 3: Protect Money Money by Using the Right Bank
Part #2 of 3: Protect Money Exercise #16: Protect Money Checklist
Exercise #7: Creating & Understanding Your Balance Sheet (“What You Own and What You Owe”)
Exercise #8: Analyzing Your Balance Sheet

Exercise #9: Analyzing Your Balance Sheet AND Your Income Statement Together
Exercise #10: How Much Do You Need to Retire?
Exercise #11: How Much Do You Need for Education Expenses?

Exercise #12: Pay Less Tax Strategies
Exercise #13: A Simple & Effective Money, Taxes, Receipts and Statements Filing System
Exercise #14: Budget Planning
Exercise #15; Is Your Money Safe? Protect Your Money by Using the Right Bank
Let's calculate how much small fees can cos
Question 1: Using the white cells below, calculate what a 3% fee
investment that has a return before fees of 8%. Afer you have a
assumptions. Thanks
Annual fee:
Monthly savings:
Number of years:
Return % rate before fees:
Value in years without the fee of 0%: -
Value in years with the fee of 0%: -

investment that has a return before fees of 3.5%. Afer you have
assumptions. Thanks
Annual fee:
Monthly savings:
Number of years:

investment that has a return before fees of 15%. Afer you have
assumptions. Thanks
Annual fee:
Monthly savings:
Number of years:

fees can cost us in the long run:
lculate what a 3% fee can cost a retirement savings plan over 50 years of 300 Philippine pesos m
8%. Afer you have answered the question, please play around with the white boxes by making
3.5%. Afer you have answered the question, please play around with the white boxes by makin
15%. Afer you have answered the question, please play around with the white boxes by makin
300 Philippine pesos monthly contributions for an
white boxes by making changes using your own

e white boxes by making changes using your own

e white boxes by making changes using your own
Portfolio Management Dashboar d
`
In order to enter data in this Investment Portfolio Management System, please click on the Settings button on the top right-side. Then on the Settings tab, go to row 100 and read the instructions. Thank
Section B: Explained in the Lecture Called "Your Ownership Amounts in Stocks and ETFs". Please complete only the YELLOW shaded boxes below.
SECTION A: Explained in the Lecture Called: Investment Data Basics or by clicking me (for the hyperlink)
Your investment
portfolio value is 0 Market % Daily Price Daily Change Previous Average 52-week 52-week Change Change Last Trade Float Shares Percent Change Percent Change From Dividen Dividen Forward Trailing P/E % from Have We Owned Shares Size of Position Profit or Loss
Philippine pesos. Ticker Symbol Name Capitalizatio Price in the Stock Day's High Day's Low Open Volume Daily From 52- From 52- Day's Range (Means Shares Book Value Dividend Pay Date PEG Ratio Price/Book Price/Sales Purchase Price Last Price Purchase Purchase Date
Change Close Low High Time From 52-week High 52-week Low d Yield d/Share P/E Ratio Ratio for >1 Year? Owned Position Since Inception
n Price Volume week High week Low Outstanding) Price
This is how The reason that I

T his is the This is This is the This is the
much more If a company made a This is the size
In order to average the Price P/E ratio expensive doesn't have This is the last price calculation for Please enter of your
hide this Name of the Stock or ETF (an ETF is an The number of number of percent This is Earnings divided by that the investment
This is the date that the dividend the company This is the earnings, then This is how how long we have the number of positions in
description Exchange Traded Fund and is a low cost $ Change in The highest price The lowest price What the shares that shares The book value describes what the return on the value Ratio based the Please enter the price traded at. I Please enter the
Unique symbol for the ETF The size of the Last Price Percent change The lowest The highest The number of shares is paid. Sometimes if a company is versus it's Price Earnings investors look at much you are owned an shares that you dollar terms and
column, way or investing in a stock market, the stock or reached today (or reached today (or The first price stock or ETF have traded traded. Don't Dollar change Dollar The time that company is worth if all of its a divided of the on what earnings that you purchase the included this again purchase date for This is how much money we
please click on or stock. We need this when sector, bond market, commodities, real company = the Stock since the last ETF since the on the last trading on the last trading the stock or ETF closed at on today or buy if it's too price over price over From 52-week change From the last trade The low and high of that are outstanding Percent Change From Percent Change From 52- ownings are sold like their issues a very large dividend, and it is divided in investors are growth book value. ratio based on Price / Sales investments at in the in this column so up or down in investments in investment is own for the is calculated by have made or lost on the
the "-" symbol using Yahoo Finance to Outstanding or ETF trading day for the past 52 the past 52 the day. and available to 52-week High week Low then the stock drops Value the most recent instead of Price / % terms on because in many investments in taking the last
estate investment trusts, etc. The fees last trading day if the markets day if the markets traded at today the previous yesterday if low or you high 52-week low was executed. buildings, machines etc MINUS all calculate dollar expecting in rate. Well yellow shaded boxed we can calculate the yellow boxes positions so far.
select our investments. Shares * Price traded at this stock or ETF weeks. weeks. trade. immediately after the dividend investors like year's historical Earnings. Note the countries you pay the yellow price times the
are low, which is why we prefer to invest day are closed) are closed) trading da y the market is become a debt paid back. d as the terms per earnings under 2 is below our return on below.
in ETFs instead of Mutual Funds. closed "stuckholder" has been paid. dividend / share. next year. preferred Buffett love earnings. that Sales and investment in the investment. less tax if you boxes below. number of
when this is Revenue is the own an T hanks shares that you
and can't sell stock Lower = by most next column
under 1x or same thing investment for own.
it easily price. better investors.
closer to 1x. more than a year
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TOTAL TOTAL $0 $0
MINIMUM MINIMUM 0B 0.0% $0.00 - 0.0% 0.0% $0.00 0.0% $0.00 0x 0.0x 0.0x 0.0x 0.0x $0.00 $0.00 0.0% 12/30/1899 $0 $0
MAXIMUM MAXIMUM 0B 0.0% $0.00 - 0.0% 0.0% $0.00 0.0% $0.00 0x 0.0x 0.0x 0.0x 0.0x $0.00 $0.00 0.0% 12/30/1899 $0 $0
AVERAGE N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $0 #DIV/0!
AVERAGE
[Optional] Enter Monthly and Yearly Historical Portfolio Performance Metrics (from your investment account statements. If you have more than 1 account, then calculate the average performance).
Month Performance Comments on ETFs or stocks purchased or sold and why. Also, as an optional step, please list mistakes and lessons learned etc.
Jan-18
Feb-18
Mar-18
Apr-18
May-18
Jun-18
Jul-18
Aug-18
Sep-18
Oct-18
Nov-18
Dec-18
Year Performance Comments on ETFs or stocks purchased or sold and why. Also, as an optional step, please list mistakes and lessons learned etc.
2018 Performance 0.00%
2017 Performance
2016 Performance
< -- CLICK '+' TO VIEW OR CLICK '-' TO HIDE PERFORMANCE DATA. IF YOU WANT, ENTER YOUR MONTHLY, YEARLY, ETC PERFORMANCE METRICS HERE.
CUT & PASTE CLOSED ETF or STOCK POSITIONS (Meaning Stocks or ETFs You Sold or No Longer Own).
Market % Daily Price Daily Change Previous Average 52-week 52-week Change Change Last Trade Float Shares Percent Change Percent Change From Dividen Dividen Forward Trailing P/E % from Have We Owned Shares Size of Position Profit or Loss
Ticker Symbol Name Capitalizatio Price in the Stock Day's High Day's Low Open Volume Daily From 52- From 52- Day's Range (Means Shares Book Value Dividend Pay Date PEG Ratio Price/Book Price/Sales Purchase Price Last Price Purchase Purchase Date
Change Close Low High Time From 52-week High 52-week Low d Yield d/Share P/E Ratio Ratio for >1 Year? Owned Position Since Inception
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< -- CLICK '+' TO VIEW OR CLICK '-' TO HIDE DETAILS ABOUT WHERE YOU CAN CUT & PASTE CLOSED ETF or STOCK POSITIONS (Meaning Stocks or ETFs You Sold or No Longer Own).
CUT & PASTE WATCHLIST ETF or STOCK POSITIONS (Meaning Stocks or ETFs You are Watching, But Don't Own Yet).
Market Daily Change Average Change Change Float Shares % from
% Daily Price Previous 52-week 52-week Last Trade Percent Change Percent Change From Dividen Dividen Forward Trailing P/E Have We Owned Shares Size of Position Profit or Loss
Ticker Symbol Name Capitalizatio Price Change in the Stock Day's High Day's Low Open Close Volume Daily Low High From 52- From 52- Time Day's Range (Means Shares From 52-week High 52-week Low Book Value Dividend Pay Date d Yield d/Share P/E Ratio PEG Ratio Price/Book Ratio Price/Sales Purchase Price Last Price Purchase Purchase Date for >1 Year? Owned Position Since Inception
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< -- CLICK '+' TO VIEW OR CLICK '-' TO HIDE DETAILS ABOUT WHERE YOU CAN CUT & PASTE WATCHLIST ETF or STOCK POSITIONS (Meaning Stocks or ETFs You are Watching, But Don't Own Yet).
01/18/2020 | 15:15:34 | PM Dashboard Version 2.1 Page 1 of 1 F ile Name: 455977188.xlsx

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N/A
Sector Name: Sector Drivers

Consumer Discretionary Healthy GDP Growth
Consumer Staples N/A (Defensive Sector)
Energy Rising Oil Prices
Financials Low Unemployment
Health Care Favorable Government Policy
Industrials Healthy GDP Growth
Information Technology Product Cycle
Materials Rising Commodity Prices
Real Estate Low Interest Rates
Telecommunications ServiceHealthy GDP Growth
Utilities N/A (Defensive Sector)
OPTIONAL: ADD ANOTHER
SECTOR HERE
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Symbol Name Sector SEC Filings

MMM 3M Company Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MMM
ABT Abbott Laboratories Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ABT
ABBV AbbVie Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ABBV
ACN Accenture plc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ACN
ATVI Activision Blizzard Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ATVI
AYI Acuity Brands Inc Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AYI
ADBE Adobe Systems Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ADBE
AAP Advance Auto Parts Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AAP
AES AES Corp Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AES
AET Aetna Inc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AET
AMG Affiliated Managers Group Inc Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AMG
AFL AFLAC Inc Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AFL
A Agilent Technologies Inc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=A
APD Air Products & Chemicals Inc Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=APD
AKAM Akamai Technologies Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AKAM
ALK Alaska Air Group Inc Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ALK
ALB Albemarle Corp Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ALB
ALXN Alexion Pharmaceuticals Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ALXN
ALLE Allegion Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ALLE
AGN Allergan, Plc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AGN
ADS Alliance Data Systems Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ADS
LNT Alliant Energy Corp Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LNT
ALL Allstate Corp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ALL
GOOGL Alphabet Inc Class A Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GOOGL
GOOG Alphabet Inc Class C Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GOOG
MO Altria Group Inc Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MO
AMZN Amazon.com Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AMZN
AEE Ameren Corp Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AEE
AAL American Airlines Group Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AAL
AEP American Electric Power Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AEP
AXP American Express Co Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AXP
AIG American International Group, Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AIG
AMT American Tower Corp A Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AMT
AWK American Water Works Company Inc Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AWK
AMP Ameriprise Financial Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AMP
ABC AmerisourceBergen Corp Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ABC
AME AMETEK Inc Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AME
AMGN Amgen Inc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AMGN
APH Amphenol Corp Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=APH
APC Anadarko Petroleum Corp Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=APC
ADI Analog Devices, Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ADI
ANTM Anthem Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ANTM
AON Aon plc Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AON
APA Apache Corporation Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=APA
AIV Apartment Investment & Mgmt Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AIV
AAPL Apple Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AAPL
AMAT Applied Materials Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AMAT
ADM Archer-Daniels-Midland Co Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ADM
ARNC Arconic Inc Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ARNC
AJG Arthur J. Gallagher & Co. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AJG
AIZ Assurant Inc Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AIZ
T AT&T Inc Telecommunicationhttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=T
ADSK Autodesk Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ADSK
ADP Automatic Data Processing Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ADP
AN AutoNation Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AN
AZO AutoZone Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AZO
AVB AvalonBay Communities, Inc. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AVB
AVY Avery Dennison Corp Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AVY
BHI Baker Hughes Inc Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BHI
BLL Ball Corp Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BLL
BAC Bank of America Corp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BAC
BCR Bard (C.R.) Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BCR
BAX Baxter International Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BAX
BBT BB&T Corporation Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BBT
BDX Becton Dickinson Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BDX
BBBY Bed Bath & Beyond Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BBBY
BRK.B Berkshire Hathaway Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BRK.B
BBY Best Buy Co. Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BBY
BIIB BIOGEN IDEC Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BIIB
BLK BlackRock Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BLK
HRB Block H&R Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HRB
BA Boeing Company Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BA
BWA BorgWarner Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BWA
BXP Boston Properties Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BXP
BSX Boston Scientific Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BSX
BMY Bristol-Myers Squibb Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BMY
AVGO Broadcom Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=AVGO
BF.B Brown-Forman Corp. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BF.B
CHRW C. H. Robinson Worldwide Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CHRW
CA CA, Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CA
COG Cabot Oil & Gas Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COG
CPB Campbell Soup Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CPB
COF Capital One Financial Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COF
CAH Cardinal Health Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CAH
KMX Carmax Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KMX
CCL Carnival Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CCL
CAT Caterpillar Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CAT
CBOE CBOE Holdings Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CBOE
CBG CBRE Group Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CBG
CBS CBS Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CBS
CELG Celgene Corp. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CELG
CNC Centene Corporation Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CNC
CNP CenterPoint Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CNP
CTL CenturyLink Inc Telecommunicationhttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CTL
CERN Cerner Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CERN
CF CF Industries Holdings Inc Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CF
SCHW Charles Schwab Corporation Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SCHW
CHTR Charter Communications Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CHTR
CHK Chesapeake Energy Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CHK
CVX Chevron Corp. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CVX
CMG Chipotle Mexican Grill Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CMG
CB Chubb Limited Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CB
CHD Church & Dwight Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CHD
CI CIGNA Corp. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CI
XEC Cimarex Energy Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XEC
CINF Cincinnati Financial Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CINF
CTAS Cintas Corporation Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CTAS
CSCO Cisco Systems Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CSCO
C Citigroup Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=C
CFG Citizens Financial Group Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CFG
CTXS Citrix Systems Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CTXS
CME CME Group Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CME
CMS CMS Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CMS
COH Coach Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COH
KO Coca Cola Company Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KO
CTSH Cognizant Technology Solutions Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CTSH
CL Colgate-Palmolive Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CL
CMCSA Comcast Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CMCSA
CMA Comerica Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CMA
CAG ConAgra Foods Inc. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CAG
CXO Concho Resources Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CXO
COP ConocoPhillips Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COP
ED Consolidated Edison Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ED
STZ Constellation Brands Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=STZ
GLW Corning Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GLW
COST Costco Co. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COST
COTY Coty, Inc Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COTY
CCI Crown Castle International Corp. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CCI
CSRA CSRA Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CSRA
CSX CSX Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CSX
CMI Cummins Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CMI
CVS CVS Health Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CVS
DHI D. R. Horton Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DHI
DHR Danaher Corp. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DHR
DRI Darden Restaurants Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DRI
DVA DaVita Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DVA
DE Deere & Co. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DE
DLPH Delphi Automotive Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DLPH
DAL Delta Air Lines Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DAL
XRAY Dentsply Sirona Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XRAY
DVN Devon Energy Corp. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DVN
DLR Digital Realty Trust Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DLR
DFS Discover Financial Services Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DFS
DISCA Discovery Communications-A Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DISCA
DISCK Discovery Communications-C Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DISCK
DG Dollar General Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DG
DLTR Dollar Tree Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DLTR
D Dominion Resources Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=D
DOV Dover Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DOV
DOW Dow Chemical Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DOW
DPS Dr Pepper Snapple Group Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DPS
DTE DTE Energy Co. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DTE
DD Du Pont (E.I.) Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DD
DUK Duke Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DUK
DNB Dun & Bradstreet Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DNB
ETFC E*Trade Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ETFC
EMN Eastman Chemical Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EMN
ETN Eaton Corporation Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ETN
EBAY eBay Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EBAY
ECL Ecolab Inc. Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ECL
EIX Edison Int'l Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EIX
EW Edwards Lifesciences Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EW
EA Electronic Arts Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EA
EMR Emerson Electric Company Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EMR
ETR Entergy Corp. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ETR
EVHC Envision Healthcare Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EVHC
EOG EOG Resources Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EOG
EQT EQT Corporation Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EQT
EFX Equifax Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EFX
EQIX Equinix Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EQIX
EQR Equity Residential Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EQR
ESS Essex Property Trust, Inc. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ESS
EL Estee Lauder Cos. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EL
ES Eversource Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ES
EXC Exelon Corp. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EXC
EXPE Expedia Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EXPE
EXPD Expeditors Int'l Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EXPD
ESRX Express Scripts Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ESRX
EXR Extra Space Storage Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=EXR
XOM Exxon Mobil Corp. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XOM
FFIV F5 Networks Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FFIV
FB Facebook, Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FB
FAST Fastenal Co Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FAST
FRT Federal Realty Investment Trust Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FRT
FDX FedEx Corporation Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FDX
FIS Fidelity National Information Services Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FIS
FITB Fifh Third Bancorp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FITB
FSLR First Solar Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FSLR
FE FirstEnergy Corp Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FE
FISV Fiserv Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FISV
FLIR FLIR Systems Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FLIR
FLS Flowserve Corporation Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FLS
FLR Fluor Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FLR
FMC FMC Corporation Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FMC
FTI FMC Technologies Inc. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FTI
FL Foot Locker Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FL
F Ford Motor Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=F
FTV Fortive Corp Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FTV
FBHS Fortune Brands Home & Security Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FBHS
BEN Franklin Resources Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BEN
FCX Freeport-McMoRan Inc. Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FCX
FTR Frontier Communications Telecommunicationhttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FTR
GPS Gap (The) Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GPS
GRMN Garmin Ltd. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GRMN
GD General Dynamics Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GD
GE General Electric Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GE
GGP General Growth Properties Inc. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GGP
GIS General Mills Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GIS
GM General Motors Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GM
GPC Genuine Parts Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GPC
GILD Gilead Sciences Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GILD
GPN Global Payments Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GPN
GS Goldman Sachs Group Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GS
GT Goodyear Tire & Rubber Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GT
GWW Grainger (W.W.) Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=GWW
HAL Halliburton Co. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HAL
HBI Hanesbrands Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HBI
HOG Harley-Davidson Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HOG
HAR Harman Int'l Industries Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HAR
HRS Harris Corporation Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HRS
HIG Hartford Financial Svc.Gp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HIG
HAS Hasbro Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HAS
HCA HCA Holdings Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HCA
HCP HCP Inc. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HCP
HP Helmerich & Payne Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HP
HSIC Henry Schein Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HSIC
HES Hess Corporation Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HES
HPE Hewlett Packard Enterprise Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HPE
HOLX Hologic Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HOLX
HD Home Depot Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HD
HON Honeywell Int'l Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HON
HRL Hormel Foods Corp. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HRL
HST Host Hotels & Resorts Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HST
HPQ HP Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HPQ
HUM Humana Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HUM
HBAN Huntington Bancshares Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HBAN
IDXX IDEXX Laboratories Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IDXX
ITW Illinois Tool Works Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ITW
ILMN Illumina Inc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ILMN
INCY Incyte Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=INCY
IR Ingersoll-Rand PLC Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IR
INTC Intel Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=INTC
ICE Intercontinental Exchange Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ICE
IBM International Business Machines Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IBM
IP International Paper Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IP
IPG Interpublic Group Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IPG
IFF Intl Flavors & Fragrances Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IFF
INTU Intuit Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=INTU
ISRG Intuitive Surgical Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ISRG
IVZ Invesco Ltd. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IVZ
IRM Iron Mountain Incorporated Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=IRM
JBHT J. B. Hunt Transport Services Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JBHT
JEC Jacobs Engineering Group Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JEC
SJM JM Smucker Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SJM
JNJ Johnson & Johnson Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JNJ
JCI Johnson Controls International Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JCI
JPM JPMorgan Chase & Co. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JPM
JNPR Juniper Networks Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JNPR
KSU Kansas City Southern Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KSU
K Kellogg Co. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=K
KEY KeyCorp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KEY
KMB Kimberly-Clark Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KMB
KIM Kimco Realty Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KIM
KMI Kinder Morgan Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KMI
KLAC KLA-Tencor Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KLAC
KSS Kohl's Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KSS
KHC Kraf Heinz Co Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KHC
KR Kroger Co. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KR
LB L Brands Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LB
LLL L-3 Communications Holdings Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LLL
LH Laboratory Corp. of America Holding Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LH
LRCX Lam Research Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LRCX
LEG Leggett & Platt Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LEG
LEN Lennar Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LEN
LUK Leucadia National Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LUK
LVLT Level 3 Communications Telecommunicationhttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LVLT
LLY Lilly (Eli) & Co. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LLY
LNC Lincoln National Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LNC
LLTC Linear Technology Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LLTC
LKQ LKQ Corporation Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LKQ
LMT Lockheed Martin Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LMT
L Loews Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=L
LOW Lowe's Cos. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LOW
LYB LyondellBasell Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LYB
MTB M&T Bank Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MTB
MAC Macerich Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MAC
M Macy's Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=M
MNK Mallinckrodt Plc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MNK
MRO Marathon Oil Corp. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MRO
MPC Marathon Petroleum Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MPC
MAR Marriott Int'l. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MAR
MMC Marsh & McLennan Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MMC
MLM Martin Marietta Materials Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MLM
MAS Masco Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MAS
MA Mastercard Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MA
MAT Mattel Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MAT
MKC McCormick & Co. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MKC
MCD McDonald's Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MCD
MCK McKesson Corp. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MCK
MJN Mead Johnson Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MJN
MDT Medtronic plc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MDT
MRK Merck & Co. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MRK
MET MetLife Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MET
MTD Mettler Toledo Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MTD
KORS Michael Kors Holdings Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=KORS
MCHP Microchip Technology Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MCHP
MU Micron Technology Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MU
MSFT Microsof Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MSFT
MAA Mid-America Apartments Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MAA
MHK Mohawk Industries Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MHK
TAP Molson Coors Brewing Company Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TAP
MDLZ Mondelez International Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MDLZ
MON Monsanto Co. Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MON
MNST Monster Beverage Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MNST
MCO Moody's Corp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MCO
MS Morgan Stanley Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MS
MSI Motorola Solutions Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MSI
MUR Murphy Oil Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MUR
MYL Mylan N.V. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MYL
NDAQ NASDAQ OMX Group Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NDAQ
NOV National Oilwell Varco Inc. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NOV
NAVI Navient Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NAVI
NTAP NetApp Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NTAP
NFLX Netflix Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NFLX

NWL Newell Brands Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NWL

NFX Newfield Exploration Co Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NFX
NEM Newmont Mining Corp. (Hldg. Co.) Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NEM
NWSA News Corp. Class A Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NWSA
NWS News Corp. Class B Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NWS
NEE NextEra Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NEE
NLSN Nielsen Holdings Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NLSN
NKE Nike Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NKE
NI NiSource Inc. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NI
NBL Noble Energy Inc Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NBL
JWN Nordstrom Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=JWN
NSC Norfolk Southern Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NSC
NTRS Northern Trust Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NTRS
NOC Northrop Grumman Corp. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NOC
NRG NRG Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NRG
NUE Nucor Corp. Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NUE
NVDA Nvidia Corporation Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=NVDA
ORLY O'Reilly Automotive Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ORLY
OXY Occidental Petroleum Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=OXY
OMC Omnicom Group Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=OMC
OKE ONEOK Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=OKE
ORCL Oracle Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ORCL
PCAR PACCAR Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PCAR
PH Parker-Hannifin Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PH
PDCO Patterson Companies Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PDCO
PAYX Paychex Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PAYX
PYPL PayPal Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PYPL
PNR Pentair Ltd. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PNR
PBCT People's United Financial Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PBCT
PEP PepsiCo Inc. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PEP
PKI PerkinElmer Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PKI
PRGO Perrigo Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PRGO
PFE Pfizer Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PFE
PCG PG&E Corp. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PCG
PM Philip Morris International Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PM
PSX Phillips 66 Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PSX
PNW Pinnacle West Capital Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PNW
PXD Pioneer Natural Resources Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PXD
PNC PNC Financial Services Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PNC
RL Polo Ralph Lauren Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RL
PPG PPG Industries Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PPG
PPL PPL Corp. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PPL
PX Praxair Inc. Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PX
PCLN Priceline.com Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PCLN
PFG Principal Financial Group Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PFG
PG Procter & Gamble Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PG
PGR Progressive Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PGR
PLD Prologis Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PLD
PRU Prudential Financial Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PRU
PEG Public Serv. Enterprise Inc. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PEG
PSA Public Storage Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PSA
PHM Pulte Homes Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PHM
PVH PVH Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PVH
QRVO Qorvo Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=QRVO
QCOM QUALCOMM Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=QCOM
PWR Quanta Services Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=PWR
DGX Quest Diagnostics Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DGX
RRC Range Resources Corp. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RRC
RTN Raytheon Co. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RTN
O Realty Income Corporation Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=O
RHT Red Hat Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RHT
REG Regency Centers Corporation Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=REG
REGN Regeneron Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=REGN
RF Regions Financial Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RF
RSG Republic Services Inc Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RSG
RAI Reynolds American Inc. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RAI
RHI Robert Half International Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RHI
ROK Rockwell Automation Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ROK
COL Rockwell Collins Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COL
ROP Roper Industries Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ROP
ROST Ross Stores Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ROST
RCL Royal Caribbean Cruises Ltd Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RCL
R Ryder System Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=R
SPGI S&P Global, Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SPGI
CRM Salesforce.com Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CRM
SCG SCANA Corp Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SCG
SLB Schlumberger Ltd. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SLB
SNI Scripps Networks Interactive Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SNI
STX Seagate Technology Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=STX
SEE Sealed Air Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SEE
SRE Sempra Energy Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SRE
SHW Sherwin-Williams Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SHW
SIG Signet Jewelers Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SIG
SPG Simon Property Group Inc Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SPG
SWKS Skyworks Solutions Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SWKS
SLG SL Green Realty Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SLG
SNA Snap-On Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SNA
SO Southern Co. Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SO
LUV Southwest Airlines Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=LUV
SWN Southwestern Energy Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SWN
SWK Stanley Black & Decker Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SWK
SPLS Staples Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SPLS
SBUX Starbucks Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SBUX
STT State Street Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=STT
SRCL Stericycle Inc Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SRCL
SYK Stryker Corp. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SYK
STI SunTrust Banks Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=STI
SYMC Symantec Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SYMC
SYF Synchrony Financial Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SYF
SYY Sysco Corp. Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=SYY
TROW T. Rowe Price Group Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TROW
TGT Target Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TGT
TEL TE Connectivity Ltd. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TEL
TGNA Tegna, Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TGNA
TDC Teradata Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TDC
TSO Tesoro Petroleum Co. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TSO
TXN Texas Instruments Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TXN
TXT Textron Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TXT
BK The Bank of New York Mellon Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=BK
CLX The Clorox Company Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=CLX
COO The Cooper Companies Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=COO
HSY The Hershey Company Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HSY
MOS The Mosaic Company Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=MOS
TRV The Travelers Companies Inc. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TRV
DIS The Walt Disney Company Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=DIS
TMO Thermo Fisher Scientific Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TMO
TIF Tiffany & Co. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TIF
TWX Time Warner Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TWX
TJX TJX Companies Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TJX
TMK Torchmark Corp. Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TMK
TSS Total System Services Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TSS
TSCO Tractor Supply Company Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TSCO
TDG TransDigm Group Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TDG
RIG Transocean Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=RIG
TRIP TripAdvisor Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TRIP
FOXA Twenty-First Century Fox Class A Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FOXA
FOX Twenty-First Century Fox Class B Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=FOX
TSN Tyson Foods Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=TSN
USB U.S. Bancorp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=USB
UDR UDR Inc Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UDR
ULTA Ulta Salon Cosmetics & Fragrance Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ULTA
UA Under Armour Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UA
UAA Under Armour Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UAA
UNP Union Pacific Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UNP
UAL United Continental Holdings Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UAL
UNH United Health Group Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UNH
UPS United Parcel Service Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UPS
URI United Rentals, Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=URI
UTX United Technologies Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UTX
UHS Universal Health Services, Inc. Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UHS
UNM Unum Group Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=UNM
URBN Urban Outfitters Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=URBN
VFC V.F. Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VFC
VLO Valero Energy Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VLO
VAR Varian Medical Systems Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VAR
VTR Ventas Inc Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VTR
VRSN Verisign Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VRSN
VRSK Verisk Analytics Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VRSK
VZ Verizon Communications Telecommunicationhttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VZ
VRTX Vertex Pharmaceuticals Inc Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VRTX
VIAB Viacom Inc. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VIAB
V Visa Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=V
VNO Vornado Realty Trust Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VNO
VMC Vulcan Materials Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=VMC
WMT Wal-Mart Stores Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WMT
WBA Walgreens Boots Alliance Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WBA
WM Waste Management Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WM
WAT Waters Corporation Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WAT
WEC Wec Energy Group Inc Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WEC
WFC Wells Fargo Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WFC
HCN Welltower Inc. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=HCN
WDC Western Digital Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WDC
WU Western Union Co Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WU
WRK WestRock Company Materials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WRK
WY Weyerhaeuser Corp. Real Estate http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WY
WHR Whirlpool Corp. Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WHR
WFM Whole Foods Market Consumer Stapleshttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WFM
WMB Williams Cos. Energy http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WMB
WLTW Willis Towers Watson Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WLTW
WYN Wyndham Worldwide Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WYN
WYNN Wynn Resorts Ltd Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=WYNN
XEL Xcel Energy Inc Utilities http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XEL
XRX Xerox Corp. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XRX
XLNX Xilinx Inc Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XLNX
XL XL Capital Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XL
XYL Xylem Inc. Industrials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=XYL
YHOO Yahoo Inc. Information Techn http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=YHOO
YUM Yum! Brands Inc Consumer Discretihttp://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=YUM
ZBH Zimmer Biomet Holdings Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ZBH
ZION Zions Bancorp Financials http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ZION
ZTS Zoetis Health Care http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=ZTS

$173.97 $0.00 (100.0%) 11/13/2017 Yes 796 days 29

$104.85 $0.00 (100.0%) 11/13/2017 Yes 796 days 48
$9.64 $0.00 (100.0%) 11/13/2017 Yes 796 days 519
$30.58 $0.00 (100.0%) 11/13/2017 Yes 796 days 164
$38.95 $0.00 (100.0%) 11/13/2017 Yes 796 days 128
$55.00 $0.00 (100.0%) 11/14/2017 Yes 795 days 10

Section D: Sector and Stock Drivers: What Will Make Each Investment Move)? Complete the YELLOW shaded boxes. Section E: Your Research: Questions to answer about your investments. Click on each box to select your answers below (if applicable)
Section C: Risk Management Section F: [Optional] If you want, create your own titles, calculations etc in the 10 columns below.
Position % Stock Market Sector Exposure Sector % Optional Other Stock Driver If this is an ETF, did you get a If this is a stock, did you try the If this is a stock, are you Is this investment in your Did you read the prospectus on this ETF If you answered no in any of the previous cells, then please write optional comments SEC FILINGS: If applicable, here is the link to SEC documents (please only right-click and EMPTY TITLE 1 EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE
Beta Sector Driver (if different from Sector Driver) (Optional) Catalyst(s) (Optional) Comments reasonably low fee and do you retirement account (if copy the cell and then paste it into your browser, then search for the 10-K in the box
Exposure (If Applicable) Exposure product or service? comfortable with the valuation? or the annual report if it's a stock? below on what you need to do to make sure that the no turns into a yes : ) OF 10 2 OF 10 3 OF 10 4 OF 10 5 OF 10 6 OF 10
understand if there are hidden fees? applicable)? called "Filing Type". The 10-K is the annual report). Thanks:
Beta Before buying (more) of this investment, did

If the stock you invest in is in the S&P This is an event that can cause a Is the P/E too high? If so, is it because
This is what measures you read the annual report if it's a stock or
We often don't This is the sector that the stock (if our percent how 500, I came up with a way for us to stock to move. For example, if Left-click on the boxes below if you ha ve the company is growing quickly? We the investment prospectus if it's a fund or
understand what is a main reason we were in 2005 and we were all have different investment
want too much applicable) is in. This column will exposure is volatile a a good understanding of the fees you are Make sure that this investment is in ETF? You can a ccess the prospectus by calling Add your own
("driver") why this stock would move. bullish about the impact that the philosophies. Some of us buy cheap If the stock you own is on the S&P 500 index, you will see an internet link below. If so,
exposure to 1 show the value " N/A" if the stock is to a sector. stock is paying on this investment. If you don't your retirement account if you have the company that you bought the investment I want you to please only do your own research on investments and never rely on anyone to tell custom titles,
Every sector is different. For example, Optional Other Stock Driver Olympics in 2008 in Beijing Invest in what you understand as it stocks with a low Price to Book ratio right-click and copy the cell below and paste it in your browser, then search in the box
investment not in the S&P 500. I created this Please read relative to if it's a tech stock like Apple, the stock (if different from Sector Driver) would have on machinery stocks Enter in additional comments here if you want to. know what the fees are, either read the will really help you with your (like "Value Investors" like Warren room in your retirement account and if from or by going to the website of the ETF you what specific stocks or funds to buy. Don't rely on the media or people that sound like they called "Filing Type" on the website you will be taken to and enter 10-k in order to access calculations, etc in EMPTY TITLE 2 EMPTY TITLE 3 EMPTY TITLE 4 EMPTY TITLE 5 EMPTY TITLE 6
(risky). This is why column as I don't want us to have my the index it ETF investment prospectus (if applicable) your country has retirement savings company (i.e., Vanguard.com). If you want know what they are ta lking about as everyone ha s a bias and you have great common sense so the next ten OF 10 OF 10 OF 10 OF 10 OF 10
might move when a new Product Cycle like Caterpillar, then we would investment research. Buffett) and others like expensive the annual report so you can read it or skim it. If you see N/A below, you can always go to
we diversify by too much sector exposure for risk comment in is on. Go to o r call the company that issued the ETF account benefits (for tax savings access to the annual report for a stock, go to please do your own research only! Thanks : ) columns if you
is announced. This is somewhat enter that catalyst here (Beijing stocks like Amazon as they are the company's website and search for annual report.
owning multiple management reasons (calculated in the cell on Yahoo subjective, but please see cell A846 for built a lot of cool buildings using or other fund type as you have the right growing quickly ("Growth Investors"). purposes). that company's website and search for want to.
investments. the next cell on the right). the left. Finance to to know how they are charging you. "Annual Report" or if the stock is on the S&P
the logic behind this and to customize Caterpillar equipment before the We are all different. Just know what
Thanks get it. 500, please see the column on the right -
the list yourself if you want. Olympics). style you prefer.
Thanks meaning column BG.
N/A N/A N/A N/A Please left-click to make a selection. Please left-click to make a selection. Please left-click to make a selection. Please left-click to make a selection. Please left-click to make a selection. N/A
0 N/A N/A N/A Please left-click to make a selection. Please left-click to make a selection. Please left-click to make a selection. Please left-click to make a selection. Please left-click to make a selection. N/A
0%
0% 0% - - - - - - -
0% 0.0% - - - - - - -
N/A N/A N/A N/A N/A N/A N/A N/A N/A
Position % Stock Market Sector Exposure Sector % Optional Other Stock Driver If this is an ETF, did you get a If this is a stock, did you try the If this is a stock, are you Is this investment in your Did you read the prospectus on this ETF If you answered no in any of the previous cells, then please write optional comments SEC FILINGS: If applicable, here is the link to SEC documents (please only right-click and EMPTY TITLE 1 EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE
Beta Sector Driver (if different from Sector Driver) (Optional) Catalyst(s) (Optional) Comments reasonably low fee and do you retirement account (if copy the cell and then paste it into your browser, then search for the 10-K in the box
Exposure (If Applicable) Exposure product or service? comfortable with the valuation? or the annual report if it's a stock? below on what you need to do to make sure that the no turns into a yes : ) OF 10 2 OF 10 3 OF 10 4 OF 10 5 OF 10 6 OF 10
Optional Other Stock Driver If this is an ETF, did you get a Is this investment in your SEC FILINGS: If applicable, here is the link to SEC documents (please only right-click and
Position % Stock Market Sector Exposure Sector % If this is a stock, did you try the If this is a stock, are you Did you read the prospectus on this ETF If you answered no in any of the previous cells, then please write optional comments EMPTY TITLE 1 EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE
Exposure (If Applicable) Exposure Beta Sector Driver (if different from Sector Driver) (Optional) Catalyst(s) (Optional) Comments reasonably low fee and do you product or service? comfortable with the valuation? retirement account (if or the annual report if it's a stock? below on what you need to do to make sure that the no turns into a yes : ) copy the cell and then paste it into your browser, then search for the 10-K in the box OF 10 2 OF 10 3 OF 10 4 OF 10 5 OF 10 6 OF 10

We Will D iscuss Thes e Divers ification Rules in Exercis e #24 .

[Optional] Ple ase Consider Usi ng the se 10 D iversification & Portfolio Construction Rules A fter You Have Completed Exercis e 23. T hanks:
Section F: [Optional] If you want, create your own titles, calculations etc in the 10 columns below. Section G: Diversification & Model Portfolio (Please Complete Exercise #23 First)
Diversification & Portfolio Construction Rule #1: Accounting for our Age. We take 110 minus our age and this is how much we should invest in more-risky investments and the rest will be invested in less risky
EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE Risk Level for this Investment investment. So if you are 30 years old, then 110 – 30 = 80 which means that 80% of your portfolio can be in more-risky investments and 20% in less risky investments. If you are 50 years old, then 110-50 = 60%
Name Position % Exposure Size of Position (Left click each cell below and select What is Our Portfolio Exposure to More-Risky and Less-Risky Investments? Optional Comments in more-risky investments and 40% in less risky investments.
7 OF 10 8 OF 10 9 OF 10 10 OF 10
more risky or less risky)
Diversification & Portfolio Construction Rule #2: Accounting for Risk: There are 2 types of investment risk classes for our model portfolio. 1 risk class is simply called more-risky and the other investment class is
called less-risky. The less risky class consists of investments that are more likely going to hold their value like government bonds or corporate bonds with a rating of A or above as well as money in your bank
account or large cap stock funds or value stock funds – meaning funds stocks that are not expensive. Less risky means funds only and not individual stocks or corporate bonds. Everything else is more-risky,
including individual stocks and individual corporate bonds and any bond fund with a rating below A. Commodities and reits are also classified as more-risky.
No single stock or Diversification & Portfolio Construction Rule #3: Accounting for Investment Size % Limits: No investment in a particular investment or ETF can be more than 5% of the portfolio. The exceptions are cash and
single bond or single AAA rated government bonds
Name of the Stock or ETF (an ETF is an
commodity or single This is the size of your This is the degree of risk for this
Exchange Traded Fund and is a low cost way or Diversification & Portfolio Construction Rule #4: Fees:No fee can ever be more than an expense ratio of 0.5%, which will encourage you to buy ETFs instead of mutual funds if you want, which we covered
REIT investment can be positions in dollar terms investment. Please manually select
investing in a stock market, sector, bond The percents below are the percentages that we have in less-risky versus more-risky investments earlier in the course. This means that 0.5% or less of the value of the fund is used to manage that fund – meaning paying for the salaries of the employees managing that fund.
EMPTY TITLE 7 EMPTY TITLE 8 EMPTY TITLE 9 EMPTY TITLE market, commodities, real estate investment over 5%. The and is calculated by this by left clicking on the cell or type in our portfolio. Based on your age of 19, I recommend that no more than 91% of your portfolio be
OF 10 OF 10 OF 10 10 OF 10 exceptions are AAA taking the last price M or L in each cell below. For more Enter optional diversification/other comments below.
trusts, etc. The fees are low, which is why we invested in more-risky investments. Diversification & Portfolio Construction Rule #5: Commodity and REIT Exposure. Commodities and REITs cannot each be more than 10% of the value of your portfolio.
rated government bond times the number of details see Rule #2 in the orange box
prefer to invest in ETFs instead of Mutual
Funds. or treasury investments shares that you own. on the right. Diversification & Portfolio Construction Rule #6: International Exposure: Try your best to get 20%+ international exposure in your fund.
or money in our banks
account(s). Diversification & Portfolio Construction Rule #7: Sector Exposure: Try to not have more than 20% of your investments in 1 particular sector (especially if you currently work in that sector).
Diversification & Portfolio Construction Rule #8: No trading allowed. Please try your best to hold all investments for many years. The only reason to sell a position is when you are rebalancing your portfolio
every few years (per rule #10) or if you changed your mind on an investment based on new information. So before selling a position, ask yourself this “If I had known about this new piece of publicly disclosed
information, would I have bought the investment or not? If the answer is no, then consider selling it.” Warren Buffett invests with the intention of being ok if the stock market is closed for a decade. The longer
the view, the wiser the intention as we want to be long term greedy.
N/A Please left-click to make a selection. N/A
N/A Please left-click to make a selection. N/A Diversification & Portfolio Construction Rule #9: Do Your Own Research: As we discussed in the course, please do a lot of research on each type of investment you make. Read the prospectus – meaning the
filings or book or PDF online that explains what the risks are with the investment. Read the annual reports if it’s a company etc.
N/A Please left-click to make a selection. N/A Diversification & Portfolio Construction Rule #10: “Rebalance” or recalculate the accounting for age calculation every 3 years.
0% 0.00
- - - - 0% 0.00
- - - - 0% 0.00
N/A N/A N/A N/A N/A N/A
EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE Risk Level for this Investment
Name Position % Exposure Size of Position (Left click each cell below and What is Our Portfolio Exposure to More-Risky and Less-Risky Investments? Optional Comments
7 OF 10 8 OF 10 9 OF 10 10 OF 10
select more risky or less risky)
Risk Level for this Investment

EMPTY TITLE EMPTY TITLE EMPTY TITLE EMPTY TITLE
7 OF 10 8 OF 10 9 OF 10 10 OF 10 Name Position % Exposure Size of Position (Left click each cell below and What is Our Portfolio Exposure to More-Risky and Less-Risky Investments? Optional Comments
select more risky or less risky)

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USE THIS FOR PIE CHART ON DASHBOARD SUMMARY
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Exercise #19: Stock Valuation Exercise: Please watch the lesson associated w
Question #1: Please go to the settings tab by clicking on the grey Settings button on the top right-han
on your Settings tab. When asked to input the names of the stocks in your portfolio in step 3, please
portfolio if applicable):
First, please enter the top 3 stocks that famous growth investor William O'Neil suggests owning from
Investor's website:
Then, please enter the top 3 stocks that famed investor Warren Buffett owns from this web address
Questions #2-#6: Please only read and attempt questions #2 through #5 once you have completed Q
Questions #2 through #6 all pertain to data in the table starting below in row 36. Please note that th
linked to the settings page that you updated in question #1. Also, please note that stocks 1-3 in the t
(shaded in orange) and stocks 4-6 are the GROWTH stocks (shaded in blue) that Buffett owns.
Question 2: In the 2 white boxes below, document what the average dividend yield is for the growth i
the value investor?
Average Dividend Yield for the VALUE

investor =
Average Dividend Yield for the
GROWTH investor =
Question 3: In the 2 white boxes below, document what the average Price / Book for the growth inve
investor?
Average Price / Book for the VALUE

investor =
Average Price / Book for the
GROWTH investor =
Question 4: In the 2 white boxes below, document what the average Trailing Price / Earnings is for the
Earnings is for the value investor?
Average Trailing Price / Earnings for

the VALUE investor =
Average Trailing Price / Earnings for
the GROWTH investor =
Question 5: In the 2 white boxes below, document what the average Forward Price / Earnings is or th
Earnings is for the value investor?
Average Forward Price / Earnings for

Question 6: In the 2 white boxes below, document what the average Earnings Growth Rate is for the g
Rate is for the value investor?

STOCKS OWNED BY A VALUE INVESTOR (TOP 3 LISTED BELOW). VALUE IN
STOCKS OWNED BY A GROWTH INVESTOR (BOTTOM 3 LISTED BELOW).
Market
Ticker Symbol Name Capitalization

Exchange Traded Fund and is a low
Unique symbol for the
ETF or stock. We need cost way or investing in a stock The size of the
market, sector, bond market, company =
this when using Yahoo
commodities, real estate investment Outstanding
Finance to select our trusts, etc. The fees are low, which is Shares * Price
investments. why we prefer to invest in ETFs
instead of Mutual Funds.
1
2
3
4
5
6
* When we do our portfolio diversifica

appropriate portfolio structure based o
* When we do our portfolio diversifica
appropriate portfolio structure based o
1 ANET Arista Networks, Inc. 15.66B
2 ALGN Align Technology, Inc. 20.26B
3 COHR Coherent, Inc. 7.32B
4 KHC The Kraf Heinz Company 96.95B
5 WFC Wells Fargo & Company 267.19B
6 AAPL Apple Inc. 904.87B
the lesson associated with Exercise #19 first for instructions before attempting this exercise. T
ngs button on the top right-hand side of your screen and complete steps 1 through 7, which starts in row 100
your portfolio in step 3, please enter the following 6 tickers (in this order...and delete any tickers already in your
am O'Neil suggests owning from his

https://research.investors.com/stock-lists/ibd-50/
ett owns from this web address: http://warrenbuffettstockportfolio.com/
#5 once you have completed Question #1. Thanks
in row 36. Please note that the data in the table below is
se note that stocks 1-3 in the table below are the VALUE stocks
blue) that Buffett owns.
vidend yield is for the growth investor and what the average dividend yield is (if any) for
rice / Book for the growth investor is and what the average Price / Book is for the value
railing Price / Earnings is for the growth investor and what the average Trailing Price /
orward Price / Earnings is or the growth investor and what the average Forward Price /
arnings Growth Rate is for the growth investor and what the average Earnings Growth
TED BELOW). VALUE INVESTORS PREFER STOCKS WITH LOW GROWTH, LOWER RISK & LOWER P
OM 3 LISTED BELOW). GROWTH INVESTORS PREFER STOCKS WITH HIGH GROWTH, HIGHER RIS
Price Dividend/Share Dividend Yield Book Value
The book value

describes what the
This is the percent
This is the value of the return company is worth if all
Last Price the Stock or ETF on a divided and of its ownings are sold
divided in dollar terms
traded at it is calculated as the
per share. like their buildings,
dividend / stock price. machines etc MINUS all
debt paid back.
we do our portfolio diversification exercise later in the course, we need to remember what the lower and higher risk investmen
iate portfolio structure based on our risk tolerance (i.e., older age = lower risk and younger age = higher risk).
we do our portfolio diversification exercise later in the course, we need to remember what the lower and higher risk investmen
iate portfolio structure based on our risk tolerance (i.e., older age = lower risk and younger age = higher risk).
214.19 - - 18.74
252.74 - - 13.45
297.24 0 - 43.36
79.58 2.4 0.0307 47.89
54.26 1.52 0.0278 36.99
176.24 2.34 0.0134 25.62
ting this exercise. Thanks
R RISK & LOWER POTENTIAL RETURNS*
OWTH, HIGHER RISK & HIGHER POTENTIAL RETURNS*
Price/Book Trailing P/E Ratio Forward P/E Ratio
This is how much more

expensive the company
is versus it's book This is the Price This is the Price Earnings Ratio
Earnings ratio based on based on what investors are
value. Value investors
the most recent year's expecting in earnings next year.
like Buffett love when historical earnings. Lower = better
this is under 1x or
closer to 1x.
nd higher risk investments are so that we can create the

r risk).
11.43 55.27 37.91
18.79 86.55 61.95
6.85 44.75 20.56
1.66 25.51 20.3
1.47 14.02 12.56
6.88 20.01 15.78
Earnings Growth Rate
This is the expected

earnings growth rate next
year versus this year.
N/A
N/A
N/A
N/A
N/A
N/A
Exercise #20: Bonds: Please watch the lesson associated with exercise #20 fi
names of the stocks in your portfolio in step 3, please enter the following 6 BOND FUND tickers (in th
1) Enter in the ticker BND, which is the Vanguard Total Bond Market ETF.
2) Enter in the ticker TLT, which is iShares 20+ Year Treasury Bond ETF.
3) Enter in the ticker TIP, which is the iShares TIPS Bond ETF.
4) Enter in the ticker VLTCX which is the Vanguard Total Bond Market ETF.
5) Enter in the ticker ISHG, which is the iShares 1-3 Year International Treasury Bond ETF
6) Enter in the ticker BNDX, which is the Vanguard Total International Bond ETF.
Questions #2-#7: Please only read and attempt questions #2 through #7 once you have completed q
Questions #2 through #7 all pertain to data in the table starting below. Please note that the data in t
settings page that you updated in question #1. Please don't look at the contents of the green cells be
#1 and please watch the video associated with this lecture while answering questions in this exercise
the 6 questions below in the white shaded cells on the right:
Ticker Symbol Name Price
2
3
6

cost way or investing in a stock
Unique symbol for the market, sector, bond market,
ETF or stock. We need commodities, real estate investment
this when using Yahoo trusts, etc. The fees are low, which is Last Price the
Finance to select our why we prefer to invest in ETFs Stock or ETF
investments. instead of Mutual Funds. traded at
1 BND Vanguard Total Bond Market ETF 81.75
2 TLT iShares 20+ Year Treasury Bond ETF 126
3 TIP iShares TIPS Bond ETF 114.21

Vanguard Long-Term Corporate Bd Idx
4 VLTCX Adm 25.25
iShares 1-3 Year International TrsBd

5 ISHG ETF 82.8774
6 BNDX Vanguard Total International Bond ETF 54.91

ated with exercise #20 first for instructions before attempting this exercise. Thanks
ngs button on the top right-hand side of your screen and complete steps 1 through 7. When asked to input the
ing 6 BOND FUND tickers (in this order...and delete any tickers already in your portfolio):
ETF.
F.
ETF.
l Treasury Bond ETF
l Bond ETF.
#7 once you have completed question #1. Thanks
. Please note that the data in the table below is linked to the
e contents of the green cells below until you complete question
ering questions in this exercise. Please enter your answers to
Question Please Enter Your Answer in the W

Question 1: Using Yahoo Finance, find out what is the % of the holdings in
the Vanguard Total International Market ETF fund that are rated at AAA or
above.
Question 2: Using Yahoo Finance, find out what is the % of the holdings in
the iShares 20+ Year Treasury Bond ETF fund that are rated at AAA or
above.
Question 3: Using Yahoo Finance, find out what TIPS stands for.
Question 4: Using Yahoo Finance, find out what the top 5 holdings are of
the Vanguard Long-Term Corporate Bd Idx Adm fund.
Question 5: Using Yahoo Finance, find out what the top 5 country holdings
are of the iShares 1-3 Year International TrsBd ETF fund.
Question 6: Using Yahoo Finance, find out what the top 3 country holdings
are of the Vanguard Total International Bond ETF fund.
Please Enter Your
Answer in the White
Question Cells Below:
Question 1: Using Yahoo

Finance, find out what is the
% of the holdings in the
Vanguard Total Bond Market
ETF fund that are rated at
AAA or above.

Finance, find out what is the
% of the holdings in the
iShares 20+ Year Treasury
Bond ETF fund that are rated
at AAA or above.
Finance, find out what TIPS
stands for.
Finance, find out what the
top 5 holdings are of the
Vanguard Long-Term
Corporate Bd Idx Adm fund.

top 5 country holdings are of
the iShares 1-3 Year
International TrsBd ETF fund.

top 3 country holdings are of
the Vanguard Total
International Bond ETF fund.
hanks
er Your Answer in the White Cells Below:

Exercise #21: Commodities Please watch the lesson associated with exercis
names of the stocks in your portfolio in step 3, please enter the following 6 COMMODITY ETF tickers
1) Enter in the ticker GLD which is the SPDR Gold Shares commodity investment.
2) Enter in the ticker SLV which is the iShares Silver Trust commodity investment.
3) Enter in the ticker USO, which is the United States Oil commodity investment.
4) Enter in the ticker RJI which is The "Elements Rogers Intl Cmdty" commodity investment. Read bo
Jim Rogers if you want as he is incredibly knowledgeable on commodities.
5) Enter in the ticker JJC which is the iPath Bloomberg Copper commodity investment.
6) Enter in the ticker GSG which is the iShares S&P GSCI Commodity-Indexed Trust commodity inves
This fund invests in commodity futures (but it's ok to consider this as it is diversified).
Questions #2-#7: Please only read and attempt questions #2 through #5 once you have completed Q
settings page that you updated in question #1. Please don't look at the green shaded cells below unti
#1 in this exercise. Watch the video version of this lecture please as you complete the exercises and,
you have any questions. Please enter your answers to the 6 questions below in the white shaded cel
2
3
6

1 GLD SPDR Gold Shares 121.11
2 SLV iShares Silver Trust 15.97

3 USO United States Oil 11.4
4 RJI ELEMENTS Rogers Intl Cmdty TR ETN 5.32
5 JJC iPath Bloomberg Copper SubTR ETN 35.08
iShares S&P GSCI Commodity-Indexed

6 GSG Trust 15.88
associated with exercise #21 first for instructions before attempting this exercise. Thanks
ing 6 COMMODITY ETF tickers (in this order...and delete any tickers already in your portfolio):
investment.
investment.
investment.
ommodity investment. Read books by

dities.
odity investment.
Indexed Trust commodity investment.

s it is diversified).
#5 once you have completed Question #1. Thanks
e green shaded cells below until you have completed question
ou complete the exercises and, as always, please let me know if
below in the white shaded cells on the right:
Question 1: Using Yahoo Finance, find out what the inception date was for
the SPDR Gold Shares investment.
Question 2: Using Yahoo Finance, find out what the volume of shares that
was traded on November 9th, 2017 of the iShares Silver Trust investment.
Question 3: Using Yahoo Finance, find out what the expense ratio is for the
USO.
Question 4: Using Yahoo Finance, find out how many commodities futures
contracts are in the ELEMENTS Rogers Intl Cmdty TR ETN fund.
Question 5: Using Yahoo Finance, find out what the year to date return is
of the iPath Bloomberg Copper SubTR ETN fund.
Question 6: Using Yahoo Finance, find out what the net asset value is of
the iShares S&P GSCI Commodity-Indexed Trust fund.
214.19 - - 18.74
252.74 - - 13.45
297.24 0 - 43.36
79.58 2.4 0.0307 47.89
54.26 1.52 0.0278 36.99
176.24 2.34 0.0134 25.62
Please Enter Your

Answer in the White

inception date was for the
SPDR Gold Shares
investment.

volume of shares that was
traded on November 9th,
2017 of the iShares Silver
Trust investment.
expense ratio is for the USO.

Finance, find out how many
commodities futures
contracts are in the
ELEMENTS Rogers Intl Cmdty
TR ETN fund.

year to date return is of the
iPath Bloomberg Copper
SubTR ETN fund.

net asset value isof the
iShares S&P GSCI
Commodity-Indexed Trust
fund.
rcise. Thanks

11.43 55.27 37.91
18.79 86.55 61.95
6.85 44.75 20.56
1.66 25.51 20.3
1.47 14.02 12.56
6.88 20.01 15.78
How Does a Mortgage Work? (Please only e
Question 1: If you bought a house for 400,000 Philippine pesos
and the life of the mortgage was 30 years, then what would be t
Mortgage Size:
Interest Rate:
Length of the Mortgage in Years:

Payments Per Year:
Total Count of All Payments:
How Much Each Monthly Mortgage Payment is:
Sum of Payments:
Interest on life of loan:
Question 2: Let's assume that we didn't read the fine print on th

jumped from 5% to 8%. Please calculate what our new monthly
30 years and we have not made a single payment yet.
Mortgage Size:
Interest Rate:

Payments Per Year:
Sum of Payments:
Question 3) Let's assume that we have the exact same scenario

mortgage, your mortgage broker called you and told you that in
30 year mortgage at 4%. Your mortgage broker tells you he can d
why? Enter in the details of the new proposed mortgage in the
Question 3) Let's assume that we have the exact same scenario
mortgage, your mortgage broker called you and told you that in
30 year mortgage at 4%. Your mortgage broker tells you he can d
why? Enter in the details of the new proposed mortgage in the
Mortgage Size:
Interest Rate:

Payments Per Year:
Sum of Payments:
Please only enter your answers in the white cells belo
000 Philippine pesos and you financed half of the 400,000 Philippine pesos with a mortgage tha
then what would be the size of each monthly mortgage payment?
ad the fine print on the mortgage documents that we signed from question #1 , and the interest
hat our new monthly mortgage payment would be. For simplicity, please just assume that the le
yment yet.
exact same scenario as we did in Question #1 (meaning a 200k 30 year mortgage at 5%). One m
u and told you that interest rates dropped an entire 1% in the past 30 days and recommends tha
oker tells you he can do all the paperwork and get you that 1% lower rate for a fee of 1k. Should
osed mortgage in the white boxes below.
ite cells below):
os with a mortgage that had an interest rate of 5%
on #1 , and the interest rate on our mortgage

ust assume that the length of the mortgage is still
mortgage at 5%). One month afer you signed the

s and recommends that you refinance your 200k
for a fee of 1k. Should you refinance or not and
Exercise #23: R.E.I.T.s (Real Estate Investment Trusts): Please watch the less
names of the stocks in your portfolio in step 3, please enter the following 6 REIT ETF tickers (in this o
1) Enter in the ticker VNQ which is the Vanguard REIT ETF investment.
2) Enter in the ticker SRET which is the Global X SuperDividend REIT ETF investment.
3) Enter in the ticker XRE.TO which is the iShares S&P/TSX Capped REIT ETF investment.
4) Enter in the ticker SCHH which is the Schwab US REIT ETF investment.
5) Enter in the ticker REET which is the iShares Global REIT ETF investment.
6) Enter in the ticker RWR which is the SPDR Dow Jones REIT ETF investment.
Questions #2-#7: Please only read and attempt questions #2 through #5 once you have completed q
settings page that you updated in question #1. Please don't look at the green shaded cells below unti
Please enter your answers to the 6 questions below in the white shaded cells on the right:
2
3
6



6 GSG Trust 15.88

1 SRET Global X SuperDividend REIT ETF 15.27
2 VNQ Vanguard REIT ETF 85.27
3 XRE.TO iShares S&P/TSX Capped REIT ETF 16.63
4 SCHH Schwab US REIT ETF 42.28
5 REET iShares Global REIT ETF 25.89
6 RWR SPDR Dow Jones REIT ETF 95.08

: Please watch the lesson associated with exercise #23 first for instructions before attempting
ing 6 REIT ETF tickers (in this order...and delete any tickers already in your portfolio):
t.
ETF investment.
EIT ETF investment.
ent.
tment.
estment.
#5 once you have completed question #1. Thanks
e green shaded cells below until you complete question 1.
ed cells on the right:

Question 1: Using Yahoo Finance, find out what the expense ratio is on the
Vanguard REIT ETF. Also, what are the 2nd through 5th largest holdings in
this REIT?
Question 2: Using Yahoo Finance, find out what the inception date of this
REIT.
Question 3: Using Yahoo Finance, find out country this REIT has
investments in.
Question 4: Using Yahoo Finance, find out what the dividend yield is on the
largest holding in this the SCHH ETF?
Question 5: Using Yahoo Finance, find out what the average daily volume is
for this REIT.
Question 6: Using Yahoo Finance, find out what the market cap is of the
3rd largest holding in this REIT.
214.19 - - 18.74
252.74 - - 13.45
297.24 0 - 43.36
79.58 2.4 0.0307 47.89
54.26 1.52 0.0278 36.99
176.24 2.34 0.0134 25.62
Please Enter Your

Answer in the White

SPDR Gold Shares
investment.

Trust investment.

commodities futures
contracts are in
theELEMENTS Rogers Intl
Cmdty TR ETN fund.

SubTR ETN fund.

iShares S&P GSCI
fund.
Please Enter Your

Answer in the White
expense ratio is on the
Vanguard REIT ETF. Also,
what are the 2nd through
5th largest holdings inthis
REIT?
inception date of this REIT.

Finance, find out country this
REIT has investments in.

divided yield is on the largest
holding in this REIT.

average daily volume is for
this REIT.

market cap is of the 3rd
largest holding in this REIT.
before attempting this exercise.

11.43 55.27 37.91
18.79 86.55 61.95
6.85 44.75 20.56
1.66 25.51 20.3
1.47 14.02 12.56
6.88 20.01 15.78
Exercise #24: Diversification & Your Model Portfolio. Please watch the lesso
Please watch the Exercise #24 video WHILE you complete this exercise thanks! Similar to exercises 1
button on the top right-hand side of your screen and complete steps 1 through 7 (which starts in row
portfolio in step 3, make sure that your portfolio is diversified and adheres to our diversification rule
Once you come up with your list of stocks, ETFs, bonds, commodities and REITs, then please copy th
exercises 18, 20,21 and 23. Then double check that your portfolio share counts (make them up if you
at your portfolio by clicking on the grey Your Portfolio button and scrolling over to column BW per th
per the image below. Please watch the lesson associated with Exercise 24 while you do this exercise
** Please note that the orange box on the right that has the 10 diversification rules is also pasted all th
lecture associated with this Exercise #24 while you do this exercise. Thanks!


6 GSG Trust 15.88
Please watch the lesson associated with exercise 24 before starting this exercise. Thanks
thanks! Similar to exercises 18, 20,21 and 23 please go to the settings tab by clicking on the grey Settings
through 7 (which starts in row 100 on the Settings tab). When asked to input the names of the stocks in your
heres to our diversification rules per the list on the right (meaning the orange shaded box with the 10 rules**).
and REITs, then please copy the data from Yahoo Finance and paste it into the settings tab just like we did in
e counts (make them up if you want to for this exercise) are all within the risk management % limits by looking
lling over to column BW per the image below. Then please make sure to complete the white cells in cell "BY"
e 24 while you do this exercise and as always, please let me know if you have questions thanks!
cation rules is also pasted all the way to the right on the Your Portfolio tab starting in cell CB…please watch the
nks!
214.19 - - 18.74
252.74 - - 13.45
297.24 0 - 43.36
79.58 2.4 0.0307 47.89
54.26 1.52 0.0278 36.99
176.24 2.34 0.0134 25.62
Please Enter Your

Answer in the White
SPDR Gold Shares
investment.

Trust investment.


commodities futures
contracts are in
theELEMENTS Rogers Intl
Cmdty TR ETN fund.

SubTR ETN fund.

iShares S&P GSCI
fund.
rcise. Thanks
[Optional] Please Consider Using these 10 Diversification & Portfolio Construction Rules After Y
Diversification & Portfolio Construction Rule #1: Accounting for our Age. We take 110 minus our age and this is how much
investment. So if you are 30 years old, then 110 – 30 = 80 which means that 80% of your portfolio can be in more-risky inve
in more-risky investments and 40% in less risky investments.
Diversification & Portfolio Construction Rule #2: Accounting for Risk: There are 2 types of investment risk classes for our m
called less-risky. The less risky class consists of investments that are more likely going to hold their value like government bo
account or large cap stock funds or value stock funds – meaning funds stocks that are not expensive. Less risky means funds
including individual stocks and individual corporate bonds and any bond fund with a rating below A. Commodities and reits
Diversification & Portfolio Construction Rule #3: Accounting for Investment Size % Limits: No investment in a particular inv
AAA rated government bonds
Diversification & Portfolio Construction Rule #4: Fees: No fee can ever be more than an expense ratio of 0.5%, which will e
earlier in the course. This means that 0.5% or less of the value of the fund is used to manage that fund – meaning paying fo
Diversification & Portfolio Construction Rule #5: Commodity and REIT Exposure. Commodities and REITs cannot each be m
Diversification & Portfolio Construction Rule #6: International Exposure: Try your best to get 20%+ international exposure
Diversification & Portfolio Construction Rule #7: Sector Exposure: Try to not have more than 20% of your investments in 1
Diversification & Portfolio Construction Rule #8: No trading allowed. Please try your best to hold all investments for many
every few years (per rule #10) or if you changed your mind on an investment based on new information. So before selling a
information, would I have bought the investment or not? If the answer is no, then consider selling it.” Warren Buffett invest
the view, the wiser the intention as we want to be long term greedy.
Diversification & Portfolio Construction Rule #9: Do Your Own Research: As we discussed in the course, please do a lot of r
filings or book or PDF online that explains what the risks are with the investment. Read the annual reports if it’s a company
Diversification & Portfolio Construction Rule #10: “Rebalance” or recalculate the accounting for age calculation every 3 ye
Diversification & Portfolio Construction Rule #10: “Rebalance” or recalculate the accounting for age calculation every 3 ye
11.43 55.27 37.91
18.79 86.55 61.95
6.85 44.75 20.56
1.66 25.51 20.3
1.47 14.02 12.56
6.88 20.01 15.78
Portfolio Construction Rules After You Have Completed Exercise 23. Thanks:
e take 110 minus our age and this is how much we should invest in more-risky investments and the rest will be invested in less risky
80% of your portfolio can be in more-risky investments and 20% in less risky investments. If you are 50 years old, then 110-50 = 60%
are 2 types of investment risk classes for our model portfolio. 1 risk class is simply called more-risky and the other investment class is
ely going to hold their value like government bonds or corporate bonds with a rating of A or above as well as money in your bank
that are not expensive. Less risky means funds only and not individual stocks or corporate bonds. Everything else is more-risky,
d with a rating below A. Commodities and reits are also classified as more-risky.
Size % Limits: No investment in a particular investment or ETF can be more than 5% of the portfolio. The exceptions are cash and
ore than an expense ratio of 0.5%, which will encourage you to buy ETFs instead of mutual funds if you want, which we covered
used to manage that fund – meaning paying for the salaries of the employees managing that fund.
sure. Commodities and REITs cannot each be more than 10% of the value of your portfolio.
y your best to get 20%+ international exposure in your fund.
t have more than 20% of your investments in 1 particular sector (especially if you currently work in that sector).
try your best to hold all investments for many years. The only reason to sell a position is when you are rebalancing your portfolio
based on new information. So before selling a position, ask yourself this “If I had known about this new piece of publicly disclosed
then consider selling it.” Warren Buffett invests with the intention of being ok if the stock market is closed for a decade. The longer
we discussed in the course, please do a lot of research on each type of investment you make. Read the prospectus – meaning the
ment. Read the annual reports if it’s a company etc.
e the accounting for age calculation every 3 years.

e the accounting for age calculation every 3 years.
be invested in less risky
s old, then 110-50 = 60%
e other investment class is

s money in your bank
ng else is more-risky,
xceptions are cash and
nt, which we covered
tor).
alancing your portfolio

ce of publicly disclosed
for a decade. The longer
spectus – meaning the

As a final MAKE money exercise, please answer the questions below by selecting Y
Thanks:
Questions (Sorted Alphabetically):

Automatic Payroll Deduction: Are you automatically (or manually) deducting enough money from each
of your paychecks so you can invest more? If not, please do so when you get your next raise.
Diversification: Are you comfortable with how diversified your portfolio is?
Educational Savings (if applicable): Are you taking advantage of educational savings plans in order to
invest and pay less tax?
Fees: Do you feel comfortable with the fees that you are paying on your investments? If not, please shop
around for lower fees (i.e., consider investing in ETFs Index Funds instead of Mutual Funds).
Index Fund ETFs: Have you done research on potential ETFs to invest in by visiting websites of the largest
ETFs (i.e., Vanguard.com and others)?
Interest Rates: Do you understand how interest rates work? If rates fell since you got your mortgage,
have you asked your mortgage banker if it makes sense for you to refinance at a lower rate?
Investment Time: If long term taxes (meaning >1 year) are lower than short-term taxes (meaning < 1
year) where you live, then are you holding investments in non tax free accounts for longer than 1 year?
Margin: Are you using any margins (loans) to invest in stocks, bonds, commodities and REITs? If so,
please be very careful (I recommend not using margin).
Research: Have you done your own research on your investments (i.e., reading the investment
prospectus and/or annual reports)?
Retirement Savings: Are you taking advantage of retirement savings plans in order to invest and pay less
tax?
We are done with Part 3. Thanks and congratulations eh! :-)

stions below by selecting Yes, No or N/A. Then make optional comments in the Next Step or C
Please Answer Yes, No or N/A Next Steps or Optional Comments:

enough money from each
your next raise. Yes No N/A
Yes No ● N/A
savings plans in order to

Yes No ● N/A
tments? If not, please shop

Mutual Funds). Yes No N/A
iting websites of the largest
Yes No ● N/A
you got your mortgage,

t a lower rate? Yes No ● N/A
erm taxes (meaning < 1

nts for longer than 1 year? Yes No ● N/A
dities and REITs? If so,

Yes No ● N/A
g the investment
Yes No N/A
order to invest and pay less
Yes No ● N/A
in the Next Step or Comments box beside each item below.
mments:
Exercise #17: The Damage that High Investment
Part #3 of 3: Make Money Fees Can do to Our Net Worth!
Exercise #18: Populating Your Investment
Part #3 of 3: Make Money Management Portfolio
Part #3 of 3: Make Money Exercise #19: Stock Valuations
Exercise #20: Adding Bond Investments to Your
Part #3 of 3: Make Money Portfolio
Exercise #21: Adding Commodity Investments to
Part #3 of 3: Make Money Your Portfolio
Part #3 of 3: Make Money Exercise #22: Mortgage Calculator
Exercise #23: Adding Real Estate Investment Trust
Part #3 of 3: Make Money Investments to Your Portfolio
Exercise #24: Diversification & Your Model
Part #3 of 3: Make Money Exercise #25: Make Money Checklist
Exercise #17: The Damage that High Investment Fees Can do to Our Net Worth!
Exercise #18: Populating Your Investment Management Portfolio

Exercise #19: Stock Valuations
Exercise #20: Adding Bond Investments to Your Portfolio
Exercise #21: Adding Commodity Investments to Your Portfolio

Exercise #22: Mortgage Calculator
Exercise #23: Adding Real Estate Investment Trust Investments to Your Portfolio
Exercise #24: Diversification & Your Model Portfolio

Exercise #25: Make Money Checklist
Country Where the Stock Add This After You Enter Your Ticker
Market is Based In (N/A means don't add anything)
Argentina .BA
Australia .AX
Austria .VI
Belgium .BR
Brazil .SA
Canada .TO
Canada .V
Chile .SN
China .SS
China .SZ
Denmark .CO
France .NX
France .PA
Germany .BE
Germany .BM
Germany .DU
Germany .F
Germany .HM
Germany .HA
Germany .MU
Germany .SG
Germany .DE
Hong Kong .HK
India .BO
India .NS
Indonesia .JK
Israel .TA
Italy .MI
Japan N/A
Mexico .MX
Netherlands .AS
New Zealand .NZ
Norway .OL
Portugal .LS
Singapore .SI
South Korea .KS
South Korea .KQ
Spain .BC
Spain .BI
Spain .MF
Spain .MC
Spain .MA
Sweden .ST
Switzerland .SW
Taiwan .TWO
Taiwan .TW
United Kingdom N/A
United Kingdom .L
United States of America N/A
United States of America .CBT
United States of America .CME
United States of America .NYB
United States of America .CMX
United States of America .NYM
United States of America .OB
United States of America .PK
Stock Exchange Name Delay of the Stock Quote
Buenos Aires Stock Exchange 30 min

Australian Stock Exchange 20 min
Vienna Stock Exchange 15 min
Brussels Stocks 15 min
BOVESPA – Sao Paolo Stock Exchange 15 min
Toronto Stock Exchange 15 min
TSX Venture Exchange 15 min
Santiago Stock Exchange 15 min
Shanghai Stock Exchange 30 min
Shenzhen Stock Exchange 30 min
Copenhagen Stock Exchange 15 min
Euronext 15 min
Paris Stock Exchange 15 min
Berlin Stock Exchange 15 min
Bremen Stock Exchange 15 min
Dusseldorf Stock Exchange 15 min
Frankfurt Stock Exchange 15 min
Hamburg Stock Exchange 15 min
Hanover Stock Exchange 15 min
Munich Stock Exchange 15 min
Stuttgart Stock Exchange 15 min
XETRA Stock Exchange 15 min
Hong Kong Stock Exchange 15 min
Bombay Stock Exchange 15 min
National Stock Exchange of India 15 min
Jakarta Stock Exchange 10 min
Tel Aviv Stock Exchange 20 min
Milan Stock Exchange 20 min
Nikkei Indices 30 min
Mexico Stock Exchange 20 min
Amsterdam Stock Exchange 15 min
New Zealand Stock Exchange 20 min
Oslo Stock Exchange 15 min
Lisbon Stocks 15 min
Singapore Stock Exchange 20 min
Korea Stock Exchange 20 min
KOSDAQ 20 min
Barcelona Stock Exchange 15 min
Bilbao Stock Exchange 15 min
Madrid Fixed Income Market 15 min
Madrid SE C.A.T.S. 15 min
Madrid Stock Exchange 15 min
Stockholm Stock Exchange 15 min
Swiss Exchange 30 min
Taiwan OTC Exchange 20 min
Taiwan Stock Exchange 20 min
FTSE Indices 15 min
London Stock Exchange 20 min
American Stock Exchange 15 min
BATS Exchange Real-time
Chicago Board of Trade 10 min
Chicago Mercantile Exchange 10 min
Dow Jones Indexes Real-time
NASDAQ Stock Exchange 15 min
New York Board of Trade 30 min
New York Commodities Exchange 30 min
New York Mercantile Exchange 30 min
New York Stock Exchange 15 min
OTC Bulletin Board Market 20 min
Pink Sheets 15 min
S & P Indices Real-time
Click on this internet link if you don't know your ticker name per the image below (don't forget to include
exchange code after the period if applicable, i.e., BHP.AX per the image below for BHP in Australia (if th
period, then ignore this....for example, the tickers for Apple or IBM are AAPL and IBM respectively).
https://finance.yahoo.com/lookup/
er the image below (don't forget to include the
the image below for BHP in Australia (if there is no
IBM are AAPL and IBM respectively).
.com/lookup/
In order to secure this file with a password, please follow the following 3 steps:
Step 1: Windows and Mac users: Select File from the menu in Excel. If you are us
image below on the right, then select Protect Workbook and then select Encrypt w
Step 2: Mac users only: Select Options:

Step 3 Mac users only: Enter a password:
Select Your Country Name Here Select Your Currency Here
Afghanistan baht
Albania dinars
Algeria dollars
American Samoa euros
Andorra francs
Angola lira
Anguilla pesos
Antarctica pounds
Antigua and Barbuda rubles
Argentina rupee
Armenia shekels
Aruba won
Australia yen
Austria yuan
Azerbaijan Abkhazian apsar
Bahamas Afghan afghani
Bahrain Albanian lek
Bangladesh Alderney pound
Barbados Algerian dinar
Belarus Angolan kwanza
Belgium Argentine peso
Belize Armenian dram
Benin Aruban florin
Bermuda Ascension pound
Bhutan Australian dollar
Bolivia Azerbaijani manat
Bosnia and Herzegovina Bahamian dollar
Botswana Bahraini dinar
Bouvet Island Bangladeshi taka
Brazil Barbadian dollar
British Antarctic Territory Belarusian ruble
British Indian Ocean Territory Belize dollar
British Virgin Islands Bermudian dollar
Brunei Bhutanese ngultrum
Bulgaria Bolivian boliviano
Burkina Faso Bosnia and Herzegovina convertible mark
Burundi Botswana pula
Cambodia Brazilian real
Cameroon British pound
Canada British Virgin Islands dollar
Canton and Enderbury Islands Brunei dollar
Cape Verde Bulgarian lev
Cayman Islands Burmese kyat
Central African Republic Burundian franc
Chad Cambodian riel
Chile Canadian dollar
China Cape Verdean escudo
Christmas Island Cayman Islands dollar
Cocos [Keeling] Islands Central African CFA franc
Colombia CFP franc
Comoros Chilean peso
Congo - Brazzaville Chinese yuan
Congo - Kinshasa Colombian peso
Cook Islands Comorian franc
Costa Rica Congolese franc
Croatia Cook Islands dollar
Cuba Costa Rican colón
Cyprus Croatian kuna
Czech Republic Cuban convertible peso
Côte d’Ivoire Cuban peso
Denmark Czech koruna
Djibouti Danish krone
Dominica Djiboutian franc
Dominican Republic dollars
Dronning Maud Land Dominican peso
East Germany East Caribbean dollar
Ecuador Egyptian pound
Egypt Eritrean nakfa
El Salvador Ethiopian birr
Equatorial Guinea euro
Eritrea Euro
Estonia Falkland Islands pound
Ethiopia Faroese króna
Falkland Islands Fijian dollar
Faroe Islands Gambian dalasi
Fiji Georgian lari
Finland Ghana cedi
France Gibraltar pound
French Guiana Guatemalan quetzal
French Polynesia Guernsey pound
French Southern Territories Guinean franc
French Southern and Antarctic Territories Guyanese dollar
Gabon Haitian gourde
Gambia Honduran lempira
Georgia Hong Kong dollar
Germany Hungarian forint
Ghana Icelandic króna
Gibraltar Indian rupee
Greece Indonesian rupiah
Greenland Iranian rial
Grenada Iraqi dinar
Guadeloupe Israeli new shekel
Guam Jamaican dollar
Guatemala Japanese yen
Guernsey Jersey pound
Guinea Jordanian dinar
Guinea-Bissau Kazakhstani tenge
Guyana Kenyan shilling
Haiti Kiribati dollar
Heard Island and McDonald Islands Kuwaiti dinar
Honduras Kyrgyzstani som
Hong Kong SAR China Lao kip
Hungary Lebanese pound
Iceland Lesotho loti
India Liberian dollar
Indonesia Libyan dinar
Iran Macanese pataca
Iraq Macedonian denar
Ireland Malagasy ariary
Isle of Man Malawian kwacha
Israel Malaysian ringgit
Italy Maldivian rufiyaa
Jamaica Manx pound
Japan Mauritanian ouguiya
Jersey Mauritian rupee
Johnston Island Mexican peso
Jordan Micronesian dollar
Kazakhstan Moldovan leu
Kenya Mongolian tögrög
Kiribati Moroccan dirham
Kuwait Mozambican metical
Kyrgyzstan Nagorno-Karabakh dram
Laos Namibian dollar
Latvia Nauruan dollar
Lebanon Nepalese rupee
Lesotho Netherlands Antillean guilder
Liberia New Taiwan dollar
Libya New Zealand dollar
Liechtenstein Nicaraguan córdoba
Lithuania Nigerian naira
Luxembourg Niue dollar
Macau SAR China North Korean won
Macedonia Norwegian krone
Madagascar Omani rial
Malawi Pakistani rupee
Malaysia Palauan dollar
Maldives Panamanian balboa
Mali Papua New Guinean kina
Malta Paraguayan guaraní
Marshall Islands Peruvian nuevo sol
Martinique Philippine peso
Mauritania Pitcairn Islands dollar
Mauritius Polish złoty
Mayotte pounds
Metropolitan France Qatari riyal
Mexico Romanian leu
Micronesia Russian ruble
Midway Islands Rwandan franc
Moldova Sahrawi peseta
Monaco Saint Helena pound
Mongolia Samoan tālā
Montenegro São Tomé and Príncipe dobra
Montserrat Saudi riyal
Morocco Serbian dinar
Mozambique Seychellois rupee
Myanmar [Burma] Sierra Leonean leone
Namibia Singapore dollar
Nauru Solomon Islands dollar
Nepal Somali shilling
Netherlands Somaliland shilling
Netherlands Antilles South African rand
Neutral Zone South Georgia and the South Sandwich Islands pound
New Caledonia South Korean won
New Zealand South Sudanese pound
Nicaragua Sri Lankan rupee
Niger Sudanese pound
Nigeria Surinamese dollar
Niue Swazi lilangeni
Norfolk Island Swedish krona
North Korea Swiss franc
North Vietnam Syrian pound
Northern Mariana Islands Tajikistani somoni
Norway Tanzanian shilling
Oman Thai baht
Pacific Islands Trust Territory Tongan paʻanga
Pakistan Transnistrian ruble
Palau Trinidad and Tobago dollar
Palestinian Territories Tristan da Cunha pound
Panama Tunisian dinar
Panama Canal Zone Turkish lira
Papua New Guinea Turkmenistan manat
Paraguay Tuvaluan dollar
People's Democratic Republic of Yemen Ugandan shilling
Peru Ukrainian hryvnia
Philippines United Arab Emirates dirham
Pitcairn Islands United States dollar
Poland Uruguayan peso
Portugal Uzbekistani som
Puerto Rico Vanuatu vatu
Qatar Venezuelan bolívar
Romania Vietnamese đồng
Russia West African CFA franc
Rwanda Yemeni rial
Réunion yen
Saint Barthélemy Zambian kwacha
Saint Helena Zimbabwean Bond
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Saudi Arabia
Senegal
Serbia
Serbia and Montenegro
Seychelles
Sierra Leone
Singapore
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Georgia and the South Sandwich Islands
South Korea
Spain
Sri Lanka
Sudan
Suriname
Svalbard and Jan Mayen
Swaziland
Sweden
Switzerland
Syria
São Tomé and Príncipe
Taiwan
Tajikistan
Tanzania
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
U.S. Minor Outlying Islands
U.S. Miscellaneous Pacific Islands
U.S. Virgin Islands
Uganda
Ukraine
Union of Soviet Socialist Republics
United Arab Emirates
United Kingdom
United States
Unknown or Invalid Region
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
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Western Sahara
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ow the following 3 steps:
menu in Excel. If you are using a Mac, select Save As... per the image below on the lef. If you are
k and then select Encrypt with Password.
Select Your Current Age Here Select the Age You Want to Retire At Here
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andwich Islands pound
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Date Mileage to and From Event Event Type Optional Comments
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Mileage Report
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Part # & Name Section # & Name
Section 1: Course Introduction & How to Take
Course Introduction this Course
Section 1: Course Introduction & How to Take
Course Introduction this Course
Section 2: Part 1 of 3: Save [MORE] Money
Part 1 of 3: Save More Money (>100 Ways to Save More Money)
Section 3: Save by Calculating Where Your Cash

Part 1 of 3: Save More Money
is Going: Your CURRENT Income Statement

Part 1 of 3: Save More Money is Going: Your CURRENT Income Statement

Part 1 of 3: Save More Money is Going: Your CURRENT Income Statement
Section 4: >100 Ways to Save MUCH More: Let’s

Part 1 of 3: Save More Money Create Your NEW & IMPROVED Income
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Statement!
Section 5: Changing Your Perception of Saving
Part 1 of 3: Save More Money Money + Saving Money and Your Kids
Section 5: Changing Your Perception of Saving
Part 1 of 3: Save More Money Money + Saving Money and Your Kids
Section 6: Part 2 of 3: Protect [MORE] Money
Part 2 of 3: Protect More Money (Many Ways to Protect Your Money)
Part 2 of 3: Protect More Money
(Many Ways to Protect Your Money)
Section 7: Protect Your Money with These Tax
Part 2 of 3: Protect More Money Strategies
Section 8: Protect $ by Having an Organized

Part 2 of 3: Protect More Money Filing System, Tracking Bills +Avoiding Charges


Part 2 of 3: Protect More Money
Filing System, Tracking Bills +Avoiding Charges
Section 9: Protect Your Money by Creating a

Part 2 of 3: Protect More Money Budget & Picking the Right Bank
Section 10: Protect Your Family with Wills &

Part 2 of 3: Protect More Money Trusts and Accessing & Fixing Your Credit Score
Section 10: Protect Your Family with Wills &

Part 2 of 3: Protect More Money Trusts and Accessing & Fixing Your Credit Score
Section 11: Protect Your Family and Your Assets

Part 2 of 3: Protect More Money with Insurance Products
Section 12: Protecting Your Money, Credit
Part 2 of 3: Protect More Money Cards, Loans and Leases
Section 13: Profiles of Successful Wealthy
Part 2 of 3: Protect More Money People & How they Protect and Manage Their
Money
Section 13: Profiles of Successful Wealthy
Part 2 of 3: Protect More Money People & How they Protect and Manage Their
Money
Section 14: Part 3 of 3: Make [MORE] Money
Part 3 of 3: Make More Money (Ways to Make Your Money Work For You!)
Part 3 of 3: Make More Money (Ways to Make Your Money Work For You!)
Part 3 of 3: Make More Money
(Ways to Make Your Money Work For You!)
Part 3 of 3: Make More Money Section 15: Index Funds Examples

Section 16: Introduction to your Investment
Part 3 of 3: Make More Money Portfolio Management System
Section 16: Introduction to your Investment
Part 3 of 3: Make More Money Portfolio Management System
Part 3 of 3: Make More Money Section 17: Make Money with Stocks
Section 18: Stock Valuations, Mutual Funds &

Part 3 of 3: Make More Money Warren Buffett’s Favorite Type of Investments


Section 19: Make Money with Bonds &

Part 3 of 3: Make More Money Commodities (& Understanding Interest Rates)

Commodities (& Understanding Interest Rates)




Commodities (& Understanding Interest Rates)



Part 3 of 3: Make More Money Section 20: Make Money with Real Estate
Section 21: Make More with Diversification &

Part 3 of 3: Make More Money Your Make Money Checklist
Section 22: Course Conclusion & Customizing
Course Conclusion & Customizing Your Complete Personal Finance Excel
Your Dashboard Dashboard
Section 22: Course Conclusion & Customizing
Course Conclusion & Customizing Your Complete Personal Finance Excel
Your Dashboard Dashboard
Section 23: Bonus Lectures: Free Course

Bonus Content +Coupons/Discounts on Other Courses I Teach
Section 23: Bonus Lectures: Free Course

Bonus Content +Coupons/Discounts on Other Courses I Teach
Lecture Name
Course Introduction (Are You Ready to Save, Make & Protect
Your Money?)
How to Take this Course (and Using Your “Complete Personal
Finance Dashboard”)
Introduction to Saving [MORE] Money & The INCREDIBLE
Power of Compound Interest
Exercise #1: Time Value of Money (Small Changes Lead to
Fortunes Later in Life!)
Answers to Exercise #1, Questions 1 through 7: Time Value of
Money
Answers to Exercise #1, Questions 8 through 10: Time Value
of Money
What is a Personal Income Statement and Why is this Very

Important?
Exercise #2: Money In & Money Out: Creating Your CURRENT

Income Statement
Discussion of Your Answers to Exercise #2
Introduction to Completing Your NEW & IMPROVED Income

Statement
Save on Taxes: 14 Ways to Save More on Taxes
Save on Car & Transportation: 13 Ways to Save More on

Car/Transportation Expenses
Save on Child/Child Care: 5 Ways to Save More on Child/Child

Care Expenses
Save on Communications/Computer: 6 Ways to Save More on

Phone/Computer Expenses
Save on Debt Payments: 7 Ways to Save More on Debt

Expenses
Save on Education: 4 Ways to Save More on Education
Expenses
Save on Entertainment: 7 Ways to Save More on

Entertainment Expenses
Save on Fees [Many are Hidden]: 6 Ways to Save More on

Fees Expenses
Save on Food & Drinks: 13 Ways to Save More on Food &

Drinks Expenses
Save on Gifs & Donations: 4 Ways to Save More on Gifs &

Donation Expenses
Save on Health/Fitness/Life Insurance: 4 Ways to Save More

on Health Expenses
Save on Housing: 10 Ways to Save More on Housing Expenses
Save on Personal Care: 5 Ways to Save More on Personal Care

Expenses
Save on Pets: 5 Ways to Save More on Pet Related Expenses
Save on Shopping: 16 Ways to Save More on Shopping

Expenses
Save on Vacation: 5 Ways to Save More on Vacation Expenses
Save on Other Expenses: 8 Ways to Save More on Other

Expenses
Exercise #3: Creating Your NEW & IMPROVED Income

Statement
Exercise #4: Analyzing Your CURRENT and New+IMPROVED

Income Statement
Changing Your Perception of Money
Saving Money & Your Kids
Intro. to Protecting Your Money: The What, Why & How of

Part 2 of the Course
Protect Your Money by Understanding Your Net Worth (Your
“Balance Sheet”)
Exercise #7: Creating & Understanding Your Balance Sheet
(“What You Own and What You Owe”)
Exercise #9: Analyzing Your Balance Sheet AND Your Income

Statement Together
Side Note: Should You Hire a Financial Advisor to Help Protect
Your Money?
Keep All Receipts + Consider Hiring an Accountant (They’re
GREAT Investments!)
How Taxes+Retirement Accounts Work & Why We Need to
Minimize How Much Tax We Pay
Tax Incentives Help You Save BIG TIME for Education/School

Expenses
Exercise #11: How Much Do You Need for Education
Expenses?
Other Potential Company Sponsored Tax Savings Plans
Exercise #13: A Simple & Effective Money, Taxes, Receipts and

Statements Filing System
Websites & Apps to Help You Track and Manage Your

Spending
Quicken on a PC to Manage Your Money
Quicken on a Mac to Manage Your Money
Introduction to Protecting Your Money by Making a Monthly

Budget
Is Your $ Safe? Are Your Getting Ripped off on Fees? Should

You Switch Banks?
Exercise #15: Is Your Money Safe? Protect Your Money by
Using the Right Bank
Wills and Trusts
Viewing, Understanding and Fixing Your Credit Score/Rating

(So You Can Get a Loan or Mortgage)
Introduction to Insurance
Life Insurance
Auto Insurance
Home and Property Insurance
Health Insurance
Side Note: Protect Your Money by Preventing Identity Thef
Credit Cards
Loans
Leases
They Stay Wealthy for a Reason + 5 Characteristics of

Billionaires I Have Worked For
Introduction to Making [MORE] Money: The What, Why &

How of Part 3 of the Course
Exercise #17: The Damage that High Investment Fees Can do
to Our Net Worth!
Make More by Learning How to Avoid Paying High Investment
Fees
An Example of a GREAT Index Fund Firm to Buy Financial
Products from: “Vanguard”
Examples of Other ETFs to Buy Index Products From
Side Note: Outta Sight and Outta Mind
Managing Your Investments with Your Investment Portfolio
Management System
Exercise 18: Populating Your Investment Portfolio
Management System (meaning Your Portfolio)
Introduction to Investing in Stocks and 4 CRUCIAL Stock
Investing Rules
Investment Data Basics (See SECTION A on Your Investment
Portfolio Management System)
Your Ownership Amounts in Stocks and ETFs (See SECTION B
on Your Invstmt Portfolio Mgmt Syst.)
Risk Management (See SECTION C on Your Invstmt Portfolio
Mgmt Syst.)
Sector and Stock Drivers (See SECTION D on Your Invstmt
Portfolio Mgmt Syst.)
Your Research (See SECTION E on Your Invstmt Portfolio
Mgmt Syst.)
Add More Optional Data (See SECTION F on Your Invstmt
Portfolio Mgmt Syst.)
Mutual Funds
Side Note: What Are Warren Buffett’s Favorite Types of

Investments?
Introduction to Interest Rates, Bonds and “The Bigger

Picture”
Global Economics and Why this Matters to Personal Investors
How & Why Do Interest Rates Change & Why this is

Important for Investors to Understand?
Understanding Foreign Exchange Currency Movements
Bonds and How Can Governments Stimulate the Economy?
How do Bonds Work Part 1 (With Real Corporate and

International Government Examples)
How do Bonds Work Part 2 (With Real Corporate and

International Government Examples)
Investing in Commodities
Exercise #21: Adding Commodity Investments to Your

Portfolio
Introduction to Your Most Important Personal Investment &

How Much Should You Spend on a House?
How Mortgages Work & How to Calculate Payments (Fixed
Rates Versus Interest Only Rates & More)
Exercise 22: Mortgage Calculator
Investment Property: What You Need to Know if Considering
Investment Properties
Investment Property: How Much Should You Spend on an
Investment Property?
Investments to Your Portfolio
Side Note: Investment Types to Consider Avoiding Given
Liquidity Risks
Diversification Strategies and Your Diversified “Model
Portfolio”
Exercise #24: Diversification & Your Model Portfolio Part 1
Exercise #24: Diversification & Your Model Portfolio Part 2
Side Note: Should You Start Your Own Business & Have >1
Income Stream? 100% YES!
Course Conclusion and Next Steps
Customizing Your Own Complete Personal Finance Excel

Dashboard Lecture
Free Course on How to Teach On Udemy
Bonus Lecture: Coupons/Discounts on Other Courses I Teach

Optional Comments / To Do's / Next Steps
As you complete the course, if you want, please write down comments in this
column (i.e., to do's, next steps, etc.)
Exercise #1: Time Value of Money (Small Changes
Part #1 of 3: Save Money Lead to Fortunes Later in Life!)
Exercise #2: Money In & Money Out: Creating Your
Part #1 of 3: Save Money CURRENT Income Statement
Exercise #3: Creating Your NEW & IMPROVED
Part #1 of 3: Save Money Income Statement
Exercise #4: Analyzing Your CURRENT and
Part #1 of 3: Save Money New+IMPROVED Income Statement
Part #1 of 3: Save Money Exercise #5: Save Money Meeting
Part #1 of 3: Save Money Exercise #6: Save Money Checklist
Exercise #7: Creating & Understanding Your
Part #2 of 3: Protect Money Balance Sheet (“What You Own and What You
Owe”)
Part #2 of 3: Protect Money Exercise #8: Analyzing Your Balance Sheet
Exercise #9: Analyzing Your Balance Sheet AND
Part #2 of 3: Protect Money Your Income Statement Together
Part #2 of 3: Protect Money Exercise #10: How Much Do You Need to Retire?
Exercise #11: How Much Do You Need for

Part #2 of 3: Protect Money Education Expenses?
Part #2 of 3: Protect Money Exercise #12: Pay Less Tax Strategies
Exercise #13: A Simple & Effective Money, Taxes,
Part #2 of 3: Protect Money Receipts and Statements Filing System
Part #2 of 3: Protect Money Exercise #14: Budget Planning
Exercise #15; Is Your Money Safe? Protect Your
Part #2 of 3: Protect Money Money by Using the Right Bank
Part #2 of 3: Protect Money Exercise #16: Protect Money Checklist
Exercise #17: The Damage that High Investment
Part #3 of 3: Make Money Fees Can do to Our Net Worth!
Exercise #18: Populating Your Investment
Part #3 of 3: Make Money
Management Portfolio
Part #3 of 3: Make Money Exercise #19: Stock Valuations
Exercise #20: Adding Bond Investments to Your
Exercise #21: Adding Commodity Investments to
Part #3 of 3: Make Money Your Portfolio
Part #3 of 3: Make Money Exercise #22: Mortgage Calculator
Part #3 of 3: Make Money Investments to Your Portfolio
Exercise #24: Diversification & Your Model
Part #3 of 3: Make Money Exercise #25: Make Money Checklist
Exercise #1: Time Value of Money (What is it Worth in the Future?)
Exercise #2: Money In & Money Out: Creating Your CURRENT Income Stmt.
Exercise #3: Creating Your NEW & IMPROVED Income Statement
Exercise #4: Analyzing Your CURRENT and New+IMPROVED Income Statement

Exercise #7: Creating & Understanding Your Balance Sheet (“What You Own and What You Owe”)

Exercise #9: Analyzing Your Balance Sheet AND Your Income Statement Together
Exercise #11: How Much Do You Need for Education Expenses?

Exercise #13: A Simple & Effective Money, Taxes, Receipts and Statements Filing System
Exercise #15; Is Your Money Safe? Protect Your Money by Using the Right Bank
Exercise #17: The Damage that High Investment Fees Can do to Our Net Worth!
Exercise #18: Populating Your Investment Management Portfolio

Exercise #21: Adding Commodity Investments to Your Portfolio

Exercise #22: Mortgage Calculator
Exercise #23: Adding Real Estate Investment Trust Investments to Your Portfolio
Exercise #24: Diversification & Your Model Portfolio


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Dashboard Summary from the Complete Personal Finance Course

Your Net Worth = Your Assets (What You Own) - Your

The information in this pink box will update as you

Fees & Charges

Gifs and Donations

Health / Fitness / Life Insurance

Your Life Insurance Coverage Ratio (Higher is Better)

Your monthly income before expenses is 14,410 Philippine

* = Potential tax deductible expense

Exercise #16: Protect Money Checklist

_x000D_ Page 1 of 1 Last save date: 01/18/2020

Please select the country that you live in: Philippines

Please select your currency: Philippine pesos

Please select your age here: 19

Select the age you want to retire at here: 60

Please type your favorite charity name: Your favourite charity

Your government tax agency in Philippines is the Bureau of Internal Rev

Your government's retirement savings program in Philippines is called t

Click me for credit ratings agencies information in Philippines.

Your country's government insures money in the bank up to PHP 500,00

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