10 Great Sources for Financial Education on the Web #wesbank #vehicle #finance


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10 Great Sources for Financial Education on the Web

Online Financial Education Courses for Credit

Free courses in finance are commonly available online and don’t require registration or tuition. But, students likely won’t be able to earn college credit through these courses. Students who are interested in earning college credit might want to look for online resources that charge a small fee for online lessons. Fee-based courses can prepare students to earn college credit.

Study.com offers this form of distance learning with timely and informative video lessons and self-assessment quizzes that can help students earn college credit. Students interested in finance can take Finance 101: Principles of Finance. which includes chapters like:

  • Introduction to Corporate Finance – Study the role of a financial manager, capital funding sources and types of financial markets.
  • Financial Statement Basics – Learn the importance and purpose of various financial statements as well as how to prepare them and use them to determine the performance of a company.
  • Net Present Value Investment Basics – See the formulas for calculating net present value, internal and modifed rate of returns, payback analysis and profitability.

Another option is the Finance 102: Personal Finance course, which offers some chapters on:

  • Personal Credit Loans – Topics include consumer protection, personal credit reports and personal loans.
  • The Importance of Personal Insurance – Learn about life insurance, the umbrella policy, health insurance and unemployment insurance.
  • Retirement Estate Planning – Subjects covered in this chapter include social security, rollover IRA, wills and estate planning.

Free Online Non-Credited Financial Education Courses

The resources listed in this article include courses that cover both the undergraduate and graduate levels. Courses deal with a variety of financial topics, including personal finance, financial markets, saving for college and finance development. These classes offer no academic credit, although many contain much of the same material presented in a regular college course.

Nagoya University

  • Development Finance students will learn about theories and policy issues related to development finance. Development macroeconomics is a suggested prerequisite to the course. Resources include a lecture video in Japanese, as well as English.

The Open University

  • Equity Finance offers instruction on raising finance through private equity and venture capital. Questions are placed within lessons, and references are made to outside websites and readings. Students also can learn about the international stock exchanges in Tokyo, London and Frankfurt.

Utah State University

  • Family Finance allows students to potentially create financial plans and goals while learning about financial topics and personal/family values. Assignments, papers and additional resources are also part of the course.

Massachusetts Institute of Technology

  • Finance Theory II focuses on the fundamentals of corporate finance theory and making informed business decisions. Students can learn through readings and assignments about valuation and financing. Practice midterms and finals are posted online. Students may find it useful to have taken financial theory or have some knowledge of economics and accounting.

Yale University

  • Financial Markets allows students to join online study groups and receive a discount on selected textbooks used in the class. Students can learn about the theory of finance and financial institutions.

eXtension

  • Investing For Your Future is an 11-unit course that instructs students on investment products, investment fraud and investment resources. The course includes worksheets, in addition to a study guide, learning activities and action steps for students to complete.

Wichita State University

  • How to Afford College aims to instruct students on selecting a college, paying for their education and managing their money effectively. A document library with information on identity theft, credit reports and the costs of college are provided, along with worksheets.

University of Arizona

  • Personal Finance allows individuals to learn about the basics of personal finance. The 15-hour course includes quizzes and section summaries.

Purdue University

  • Planning for a Secure Retirement provides learning tools like modules, activities and additional readings. The course objective is to teach students how to plan for a comfortable retirement. Also included is a page of links to outside resources and organizations.

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Schools

The Austin Independent School District is the fifth-largest school district in Texas, and serves approximately 83,00 students at 130 schools. We are a diverse, urban district that is making great progress in student academic achievement. A study commissioned by the Austin Chamber of Commerce concluded “Austin’s public schools are comparable, if not superior to, the benchmarked cities of Denver, Phoenix, Raleigh-Durham and Seattle.” Unlike many urban school districts in the U.S. today, AISD has a richly diverse student community. It includes children from all economic levels and all kinds of backgrounds. Also unlike many other urban school districts, AISD enjoys widespread community support. We also support families that represent more than 94 languages, and we teach seven languages other than English in our schools, including Chinese, Japanese, and American Sign Language.

Sixty percent of our students are Hispanic, 26 percent are white (not of Hispanic origin), 8 percent are black (not of Hispanic origin) and 3 percent are Asian/Pacific Islander. More than 52 percent our students come from low-income families, and 25 percent enter our schools as English Language Learners.

The Austin School District understands that parents want choice. That’s why we offer a variety of instructional programs devoted to your child’s unique needs, talents, and interests. Committed to preparing students for the challenges and opportunities of the 21st Century, we invite you to discover the specialized programs of our magnet schools and focus academies.

Thank you for choosing AISD.

  • Ann Richards School for Young Women Leaders
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  • Early College High School at Crockett, Eastside Memorial, Lanier, LBJ, Reagan and Travis high schools
  • Entrepreneurship Program at Crockett High School
  • Fine Arts Academy at Lamar and Covington Middle Schools
  • Fulmore Middle School Humanities Law Magnet for International Studies
  • Garza Independence High School
  • Global Studies Program at Austin High School
  • Green Tech Academy at Small Middle School
  • Gus Garcia Young Men’s Leardership Academy
  • International Baccalaureate Middle Years Program at Murchison Middle School
  • International Baccalaureate Program at Anderson High School
  • International High School at Eastside Memorial
  • Kealing Middle School Magnet Program
  • Lanier High School Health Sciences Institute
  • Liberal Arts and Science Academy
  • McCallum High School Fine Arts Academy
  • Travis High School Institute of Hospitality Culinary Arts

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    Muskoka has been playing host to unforgettable family vacations for over 150 years. Dozens of family resorts are ready to make your family vacation a memorable one.

    Rocky Crest Resort

    Why rent a cottage when you can rent a resort? With two outdoor pools, incredible recreation programs and facilities including a fitness room, three restaurants and championship golf, all on the same site and available for your use, how can you not come to Rocky Crest. Throw in a daily resort credit, Kids Camp and a pontoon boat cruise there is no where else you would rather be.

    Cottage Special Package includes:

    • Accommodation in a suite
    • Daily $80 resort credit good for golf, food and beverage, or spa
    • Two vouchers for one full day of Kids Camp (ages 4 to 12 years)
    • Voucher for pontoon boat cruise for up to 4 persons

    Rates: from $369 per night. Minimum 3 night stay.

    Cedar Grove Lodge

    Individual lakeside cottages with woodburning fieldstone fireplaces on beautiful Peninsula Lake, North Muskoka. All rates include 3 meals per day served in our main lodge dining room.

    • Accommodation in a log cabin with stone fireplace (based on availability)
    • 3 meals per day (breakfast, lunch and dinner)
    • Free use of canoes, kayaks and other non-motorized boats
    • Sandy children s beach, water trampoline, water skiing tubing

    Rates: from $137 per person per night including all meals

    Residence Inn Marriott Gravenhurst Muskoka Wharf

    • 285 Steamship Bay Road Gravenhurst ON, P1P 1Z9
    • www.marriott.com
    • 705-687-6600

    Treat your family to a Muskoka getaway and an amazing casual dining experience at the Residence Inn by Marriot, right on the beautiful Muskoka Wharf in Gravenhurst! With their Family Value package, receive a $50 CAD Boston Pizza Muskoka Wharf gift certificate with accommodations. Family travel has never been so convenient! Boston Pizza is lakeside along Muskoka Wharf a quick walk from the hotel.

    This package includes:

    • Accommodation in a deluxe guest Suite with kitchen
    • Full use of onsite indoor pool and whirlpool
    • Complimentary hot breakfast buffet
    • Complimentary Internet access
    • $50 CAD Boston Pizza gift certificate for use at Gravenhurst, Muskoka Wharf location only

    JW Marriott The Rosseau Muskoka Resort & Spa

    Stay Entertained with On-site Recreation Programs

    The fun never stops year-round at The Rosseau with an on-site recreation team that develops entertaining programs for guests of all ages. Guests can enjoy daily programming that reflects the seasons, such as guided nature hikes, children’s programs, arts and crafts workshops, yoga, biking or fishing. In the warmer season go canoeing, kayaking, Stand Up Paddleboarding or try out the new zip line or off road segways.

    Stay for Breakfast Package includes:

    • Accommodations in luxurious guest room
    • Breakfast for two adults and children under 12 in Cottages restaurant

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    Beauview Cottage Resort

    Beauview Cottage Resort specializes in family vacations!

    5 out of 5 Trip Advisor Rating Small quiet cottage resort on Lake of Bays, 2 hours from Toronto, 15 minutes from Huntsville and 30 minutes from Algonquin Park.

    This package includes:

    • Self catering cottage with air conditioner, kitchen, satellite TV, wireless internet
    • Use of canoes, kayaks, paddleboats, stand up paddleboards, water trampoline, water slide, moonwalk

    Rate: from $930/cottage plus HST for 3 nights. 3 night minimum stay, starting or ending on a Saturday

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    Personal hot tub cottages at Beauview Cottage Resort. Great spot for you family vacation!

    5 out of 5 Trip Advisor Rating Small quiet cottage resort on Lake of Bays, 2 hours from Toronto, 15 minutes from Huntsville and 30 minutes from Algonquin Park.

    This package includes:

    • Self catering 2 bedroom cottage with personal Hot Tub, air conditioner, kitchen, satellite TV, wireless internet
    • Use of canoes, kayaks, paddleboats, stand up paddleboards, water trampoline, water slide, moonwalk
    • Children s waterskiing, tubing

    Rate: from $1,140/cottage plus HST for 3 nights. 3 night minimum stay, starting or ending on a Saturday. 4 people max (adults and children).

    Severn Lodge

    Get summer off to an amazing start with a fun-filled yet relaxing vacation at Severn Lodge. Enjoy great savings with these all inclusive vacation packages, featuring 2-7 night stays in a lake view room or suite.

    • Accommodation in a lake view room/suite
    • Delicious dinner on your day of arrival
    • Fresh country breakfast on your day of departure
    • 3 meals daily on all interim days
    • Supervised kids’ activities
    • Use of recreation facilities including beach, water trampoline, heated pool and hot tub, canoes, bikes, sport courts, games rooms, and so much more!

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    Forest Rock Resort

    Discover the Magic of Muskoka at Forest Rock Resort. Wake up to breathtaking views as the sun rises over the still water, breathe in the fresh air, take a stroll in the forest, relax on the soft sandy beach, swim in the pristine waters or fish off the boardwalk. Rent a motor boat or enjoy the solitude of canoeing, kayaking or stand up paddle boarding. Join in a game of beach volleyball, horseshoes, card tournaments or bingo. Build sandcastles, enjoy the playground or participate in planned kids activities. At night, marvel at the sparkling waters and experience the calmness and beauty of the shining sunset. Take a stroll under the brilliant stars and toast marshmallows around your own private campfire. Experience the warm crackling beach bonfire and delight in the colourful display of fireworks.

    Just 2 hours north of Toronto, Forest Rock Resort is a family and pet friendly resort offering studio, 1, 2 and 3 bedroom waterfront cottages located on beautiful Three Mile Lake in the heart of Muskoka. Whether you re planning a holiday with family or friends or looking for a romantic getaway, Forest Rock Resort is a place where memories are made and never forgotten:

    • New Waterfront Cottages for Rent starting as low as $595/week
    • 1300 ft. Shoreline with Beautiful, Private Sandy Beach
    • Shallow Entrance for Swimming
    • Grass Umbrellas and Muskoka Chairs at the Beach
    • Boardwalk 1000 sq. ft. Beach Front Patio
    • Tiki Hut with Beach Snack Bar
    • Family Friendly Activities
    • Excellent Pickerel Bass Fishing
    • Complimentary Pedal Boats, Kayaks, Canoes Stand up Paddle Boards
    • Full Marina Facilities with Motor Boat Dock Rentals
    • Great for Family Friend Reunions/Celebrations, Social Events, School Sports Clubs, Romantic Getaways, Guy or Gal Getaways, Fishing Derbys
    • Memories RELAXATION, ADVENTURE, ROMANCE, FRIENDSHIPS AND FUN!!

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    Another Great Recession threatens world financial markets

    Mr. Global Economy has spent much of the past seven years in an induced coma, with only a modest recovery from the Great Recession. The root causes of the life-threatening 2008-09 financial crisis remain unaddressed. Debt levels are higher now, and imbalances remain.

    Structural changes have proved difficult. Growth, a vital sign, remains below trend. The IMF has slashed global growth forecasts four times in the last year. Trade growth, another key indicator, is weak. In recent history, trade growth has averaged double economic growth rates. But now trade growth is below economic growth rates, suggesting further falls in activity. It may also signal a slowdown in cross-border financing of trade and a shift towards autarky or closed economies as the benefits of globalization diminish.

    Disinflation or deflation remains a concern. Normally, stable or falling prices would not be problematic. However, Mr. Global Economy’s high debt levels would become unmanageable under such conditions. Efforts to boost inflation have failed. With sharply lower commodity prices and overcapacity in many industries, the chances for improvement are low. Low- or negative interest rates, in part engineered to manage Mr. Global Economy’s elevated debt levels, signal that higher inflation is unlikely.

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    More than half of Americans are at risk of being of unable to cover essential living expenses during retirement, according to a recent study. Financial expert Chris Hogan joins Lunch Break with Tanya Rivero to discuss ways to invest wisely to prepare for retirement. Photo: iStock/UberImages

    Mr. Global Economy’s various parts are performing unevenly.

    U.S. growth, at around 2% annual, remains subpar. America’s improvement has been driven by a lower dollar, growth in emerging markets, and a revitalized energy sector that is now reversing.

    Moreover, employment gains are overstated by falls in the participation rate; employment as a percentage of the population has not recovered. The bulk of new jobs are poorly paid, lack job security and progression. Hours worked and wage growth is weak. As a consequence, consumption and investment remain fragile.

    The expectation was that by now the U.S. would be able to go off its low-interest-rate medication. This is still the plan, but higher rates may curtail progress. Investment, already slow, may fall. A stronger dollar DXY, -0.17% affects corporate profits and export competitiveness, and may trigger financial market instability.

    Europe and Japan are more desperate. Europe’s tentative recovery was driven by negative short-term rates, massive QE, a weaker euro EURUSD, +0.1704% (spurred in part by these policies), expansionary fiscal policies (as everyone turns a blind eye to austerity and budget rules) and low oil prices. But the Continent has a deteriorating outlook, with economists hunting for decimal points of improvement with microscopes.

    German exports to emerging markets are slowing. The Volkswagen emissions scandal has cast a shadow over European technical prowess. European debt problems remain unresolved. In the aftermath of the terrorist attacks in Paris, the French government announced that it will not abide by deficit and debt limits. Italy refuses to bring public finances under control, despite a worsening debt-to-GDP ratio.

    Greece is likely to be in spotlight, with a relapse probable. Portugal’s new government, an uneasy coalition between foes, has sworn allegiance to the EU and the euro but is seeking major concessions. With the highest total debt-to-GDP in the EU, a Portuguese debt restructuring, explicit or de facto, is not unimaginable.

    Despite positive talk, Spain’s public finances remain poor and unemployment unsustainably high. The recovery remains uneven, with excessive reliance on domestic consumption and exports, primarily automobiles, to other European countries. With the December 2015 election delivering no clear winner and mathematical difficulties of anyone getting a workable coalition, political uncertainty will affect Spain’s outlook.

    Europe’s refugee crisis may boost economic activity, but is expensive, at around 10,000 euro per refugee per year initially, further pressuring weak finances. It has also highlighted deep divisions within the EU and a rancorous decision-making process. Serious opposition to immigration and free movement of people required by the Schengen treaty has emerged.

    Questions about both the EU and the euro continue. Finland is in recession, unable to respond by adjusting its currency or interest rates. The Finnish parliament is to hold ‘Fixit’ hearings next year, debating an exit from monetary union and a return to the markka. Britain will vote in a referendum about its participation in the EU.

    Meanwhile, Japan has entered its fifth technical recession in seven years, casting doubts on the ability of Abenomics to arrest two decades of economic stagnation.

    No one should believe that China is growing at around 6%-7% annually. Official growth does not reconcile to underlying individual statistics such as trade, investment, consumption or real production. It is incompatible with policy actions, which include six interest-rate cuts since November 2014 to record lows, steps to increase bank lending, and devaluation of the yuan. A massive credit expansion, malinvestment, overcapacity in many industries, and property- and stock market bubbles are proving difficult to contain. Chinese economic managers are also finding it difficult to shift towards domestic consumption as a new source of growth.

    With China contributing around one-third to half of global growth annually, a deceleration in Chinese demand hurts the 40 or so countries that count China as their biggest export customer.

    Like China, once a bright beacon of hope for Mr. Global Economy, emerging markets face several headwinds. Subpar growth in developed markets and China combined with low commodity prices are key sources of weakness. Deep seated structural problems, including inadequate infrastructure, lack of institutions, corruption and environmental degradation, are now impinging on activity.

    Mr. Global Economy remains on life support.

    Satyajit Das is a former banker and author whose latest book, “The Age of Stagnation,” will be published in February.

    Copyright 2016 MarketWatch, Inc. All rights reserved.

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    Please consider the investment objectives, risks, fees and expenses carefully before investing. For this and other important information, you may obtain prospectuses for mutual funds, any applicable annuity contract and the annuity’s underlying funds, and/or disclosure documents from your registered representative or by calling 800-327-1522. Read them carefully before investing.

    The investment return and principal value of an investment will fluctuate so that an investor’s shares or units, when redeemed, may be worth more or less than their original cost.

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    Mutual funds are offered by Great-West Funds, Inc. The principal underwriter of Great-West Funds, Inc. is its affiliate GWFS Equities, Inc.

    GWFS Equities, Inc. or one or more of its affiliates, may receive a fee from the investment option provider for providing certain recordkeeping, distribution and administrative services. GWL A, out of its own resources, may contribute to various cash incentive arrangements to promote the sales of shares of the Great-West Investment products, including Great-West Funds. While neither GWL A nor its associates select or recommend client investment options, GWL A associates may receive additional cash compensation in connection with sales of the funds.

    Investment products are underwritten by and may be offered through GWFS Equities, Inc. and/or other broker-dealers. GWFS Equities is a Member FINRA/SIPC .

    Unless otherwise noted: NOT FDIC, NCUA/NCUSIF INSURED | NOT A DEPOSIT | NOT GUARANTEED BY ANY BANK OR CREDIT UNION | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | FUNDS MAY LOSE VALUE | NOT A CONDITION OF ANY BANKING OR CREDIT UNION ACTIVITY


    Mortgage Broker – Great 2016 Rates – Mortgage Choice #finance #news


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    Wide choice of home loans – get a great deal

    Access hundreds of loans from our wide choice of lenders, including the big 4 banks. We shop around for you and your broker can negotiate a competitive rate.

    We can offer our home loan service at no charge to you because the lenders pay us a commission when the mortgage is settled. This doesn’t affect the deal you get from the lender.

    Expert advice

    The banks are competing hard for your business. Let us help you choose the right deal with expert advice at no cost to you.

    Convenience

    Hectic lifestyles don’t leave time for long daytime meetings at the bank. We offer appointments at the time and place that suits you, including after work.

    We do all the legwork

    From comparing home loan options to preparing the paperwork and supporting you through to settlement, your mortgage broker does all the running around.

    About Mortgage Choice

    Established in 1992 by brothers Rod and Peter Higgins, Mortgage Choice was founded with the aim to help Australians improve their financial situation by offering a choice of home loan providers, coupled with the expert advice of a mortgage professional.

    Since that time, we have grown and developed into a fully fledged financial services provider, and our founding principle remains very much at the heart of what we do.

    Over 20 years of industry experience has taught us that you want advice you can trust and understand, from experts who have your best interest at heart. We now have the ability to deliver this across various financial products, including home loans, financial planning, car loans, personal loans, commercial loans, asset finance, deposit bonds, as well as risk and general insurance.

    The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

    *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories.

    #The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

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    10 Great Sources for Financial Education on the Web #future #finance


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    10 Great Sources for Financial Education on the Web

    Online Financial Education Courses for Credit

    Free courses in finance are commonly available online and don’t require registration or tuition. But, students likely won’t be able to earn college credit through these courses. Students who are interested in earning college credit might want to look for online resources that charge a small fee for online lessons. Fee-based courses can prepare students to earn college credit.

    Study.com offers this form of distance learning with timely and informative video lessons and self-assessment quizzes that can help students earn college credit. Students interested in finance can take Finance 101: Principles of Finance. which includes chapters like:

    • Introduction to Corporate Finance – Study the role of a financial manager, capital funding sources and types of financial markets.
    • Financial Statement Basics – Learn the importance and purpose of various financial statements as well as how to prepare them and use them to determine the performance of a company.
    • Net Present Value Investment Basics – See the formulas for calculating net present value, internal and modifed rate of returns, payback analysis and profitability.

    Another option is the Finance 102: Personal Finance course, which offers some chapters on:

    • Personal Credit Loans – Topics include consumer protection, personal credit reports and personal loans.
    • The Importance of Personal Insurance – Learn about life insurance, the umbrella policy, health insurance and unemployment insurance.
    • Retirement Estate Planning – Subjects covered in this chapter include social security, rollover IRA, wills and estate planning.

    Free Online Non-Credited Financial Education Courses

    The resources listed in this article include courses that cover both the undergraduate and graduate levels. Courses deal with a variety of financial topics, including personal finance, financial markets, saving for college and finance development. These classes offer no academic credit, although many contain much of the same material presented in a regular college course.

    Nagoya University

    • Development Finance students will learn about theories and policy issues related to development finance. Development macroeconomics is a suggested prerequisite to the course. Resources include a lecture video in Japanese, as well as English.

    The Open University

    • Equity Finance offers instruction on raising finance through private equity and venture capital. Questions are placed within lessons, and references are made to outside websites and readings. Students also can learn about the international stock exchanges in Tokyo, London and Frankfurt.

    Utah State University

    • Family Finance allows students to potentially create financial plans and goals while learning about financial topics and personal/family values. Assignments, papers and additional resources are also part of the course.

    Massachusetts Institute of Technology

    • Finance Theory II focuses on the fundamentals of corporate finance theory and making informed business decisions. Students can learn through readings and assignments about valuation and financing. Practice midterms and finals are posted online. Students may find it useful to have taken financial theory or have some knowledge of economics and accounting.

    Yale University

    • Financial Markets allows students to join online study groups and receive a discount on selected textbooks used in the class. Students can learn about the theory of finance and financial institutions.

    eXtension

    • Investing For Your Future is an 11-unit course that instructs students on investment products, investment fraud and investment resources. The course includes worksheets, in addition to a study guide, learning activities and action steps for students to complete.

    Wichita State University

    • How to Afford College aims to instruct students on selecting a college, paying for their education and managing their money effectively. A document library with information on identity theft, credit reports and the costs of college are provided, along with worksheets.

    University of Arizona

    • Personal Finance allows individuals to learn about the basics of personal finance. The 15-hour course includes quizzes and section summaries.

    Purdue University

    • Planning for a Secure Retirement provides learning tools like modules, activities and additional readings. The course objective is to teach students how to plan for a comfortable retirement. Also included is a page of links to outside resources and organizations.