| NUMBER | TYPE | TITLE | LINK FOR DOWNLOAD | DATE UPDATED |
| 0.01 | Handout | Welcome Letter | https://money101education.com/wp-content/uploads/2025/03/0.01-WELCOME-to-Money-101-Education03172025-compressed.pdf | 3/17/2025 |
| 0.02 | Handout | Class Video and Assignment Procedures – all segments | https://money101education.com/wp-content/uploads/2025/04/0.02-Class-Video-Recordings-and-Assignment-Procedures-20250415.pdf | 4/15/2025 |
| 0.03 | Handout | Auditor Policy – all segments | https://money101education.com/wp-content/uploads/2025/04/0.03-Auditor-Policy-for-Money-101-Education-20250406.pdf | 4/6/2025 |
| 0.05 | Instructor Notes | Opening Comments by Instructor – all segments | https://money101education.com/wp-content/uploads/2025/04/0.05-Opening-comments-by-Instructor-for-ALL-segments-20050415.pdf | 4/15/2025 |
| 0.06 | Handout | Steps to Financial Security | https://money101education.com/wp-content/uploads/2025/03/0.06-Steps-to-Financial-Security-03242024.pdf | 3/24/2025 |
| 0.07 | Powerpoint | Steps to Financial Security | https://money101education.com/wp-content/uploads/2025/04/0.07-Steps-to-Financial-Security-powerpoint-20250415.pptx | 4/15/2025 |
| 0.08 | Handout | How to Simplify your Financial Life and Ease Stress | https://money101education.com/wp-content/uploads/2025/04/0.08-How-to-SImplify-Your-Financal-Life-and-Ease-Stress-20250417.pdf | 4/17/2025 |
| 0.10 | Handout | Meet Maria Consuela | https://money101education.com/wp-content/uploads/2025/06/0.10-Meet-Maria-Consuela-who-needs-your-help-improving-her-finances-20250618.pdf | 6/18/2025 |
| 1.01 | Handout | Foundation Segment Instructor’s Notes | https://money101education.com/wp-content/uploads/2025/04/1.01-Money-101-FOUNDATION-segment-Instructors-Notes-20250127.pdf | 1/27/2025 |
| 1.02 | IRS Form | W-4 Employee Withholding Certificate | https://money101education.com/wp-content/uploads/2024/07/1.02-IRS-form-W-4-Employee-Withholding-Certificate-2024.pdf | 2024 |
| 1.03 | Homeland Security Form | I-9 Employment Eligibility Verification |
https://money101education.com/wp-content/uploads/2024/07/1.03-IRS-Form-I-9-Employment-Eligibility-Verification.pdf | n/a |
| 1.05 | Example | Pay Stub for W-2 hourly employee showing earnings and deductions | https://money101education.com/wp-content/uploads/2025/01/1.05-Pay-Stub-showing-earnings-taxes-and-deductions.pdf | n/a |
| 1.06 | Example | Pay Stub for W-2 hourly employee showing earning and deductions including garnishments | https://money101education.com/wp-content/uploads/2024/07/1.06-Example-Paystub-with-Garnishments.png | n/a |
| 1.10 | Handout | How to Read and Understand a W-2 form |
https://money101education.com/wp-content/uploads/2025/02/1.10-How-To-Read-And-Understand-Form-W2-1.pdf | 2/21/2025 |
| 1.11a | Exercise | Prepare Maria’s W-2 and calculate her net earnings |
https://money101education.com/wp-content/uploads/2024/07/1.11a-EXERCISE-Prepare-Marias-W-2-and-calculate-her-net-pay.pdf | 7/4/2024 |
| 1.12 | Handout | Can you calculate Maria’s Gross Earnings just by looking at her W-2? |
https://money101education.com/wp-content/uploads/2024/07/1.12-Can-you-calculate-Marias-GROSS-earnings-from-the-W-2.pdf | 2/20/2024 |
| 1.13 | IRS Form | W-2 blank form fillable | https://money101education.com/wp-content/uploads/2024/07/1.13-W-2-form-fillable-2024.pdf | 2024 |
| 1.15 | Example | W-2 Olivia Parker |
https://money101education.com/wp-content/uploads/2024/07/1.15-W-2-for-Olivia-Parker-.jpg | n/a |
| 1.25 | Handout | Questions to Ask a Prospective Employer about Compensation, Benefits and Advancement | https://money101education.com/wp-content/uploads/2024/07/1.25-Questions-to-ask-a-Prospective-Employer-compensation-benefits-advancement.pdf | 6/10/2024 |
| 1.28 | Handout | Questions to ask your Employer about the Company Retirement Plan | https://money101education.com/wp-content/uploads/2024/07/1.28-Questions-to-ask-your-employer-about-your-retirement-plan-.pdf | 1/25/2024 |
| 1.91a | Assignment | Foundation Segment Assignment #1 for the | https://money101education.com/wp-content/uploads/2025/06/1.91a-ASSIGNMENT-1-Foundation-Segment-20250618.docx | 6/18/2025 |
| 1.92a | Assignment | Foundation Segment Assignment #2 | https://money101education.com/wp-content/uploads/2025/01/1.92a-ASSIGNMENT-2-Foundation-Segment.docx | 1/22/2025 |
| 1.93a | Assignment | Foundation Segment Assignment #3 f | https://money101education.com/wp-content/uploads/2025/01/1.93a-ASSIGNMENT-3-Foundation-Segment.docx | 1/22/2025 |
| 1.94a | Assignment | Foundation Segment Assignment #4 | https://money101education.com/wp-content/uploads/2024/10/1.94a-Assignment-4-Foundation-Segment.pdf | 10/26/2024 |
| 1.95 | Assignment | Foundation Segment Assignment #5 | https://money101education.com/wp-content/uploads/2024/07/1.95-Assignment-5-Foundation-Segment-.pdf | 7/25/2024 |
| 2.02 | IRS Form | W-9 – Request for Social Security or EIN Number | https://money101education.com/wp-content/uploads/2024/07/2.02-W-9-Form-to-provide-a-SS-or-EIN-number-called-TIN-.pdf | 2024 |
| 2.03 | IRS Form | 1099-MISC | https://money101education.com/wp-content/uploads/2024/07/2.03-Form-1099-Misc-no-instructions-just-the-form.png | 2024 |
| 2.05 | Handout | Employee vs Independent Contractor – 20 common tests to determine proper classification | https://money101education.com/wp-content/uploads/2024/07/2.05-Employee-vs.-Independent-Contractor-20-common-tests.pdf | 6/22/2024 |
| 2.11a | Exercise | Prepare Maria’s 1099 for her independent contractor gigs | https://money101education.com/wp-content/uploads/2024/07/2.11a-EXERCISE-Prepare-Marias-1099-1-1.pdf | 7/10/2024 |
| 3.00 | Handout | How to Prepare a Cash Flow Statement | https://money101education.com/wp-content/uploads/2025/05/3.00-How-to-Prepare-A-Cash-Flow-Statement-20250531.pdf | 5/31/2025 |
| 3.01-Excel format | Form | Cash Flow Statement – for household (90+ categories) – aka Budget – EXCEL format | https://money101education.com/wp-content/uploads/2024/07/3.01-BUDGET-CASH-FLOW-revised-2024.xlsx | 2004 |
| 3.01-PDF format | Form | Cash Flow Statement – for household (90+ categories) – aka Budget – PDF format | https://money101education.com/wp-content/uploads/2024/07/3.01-BUDGET-CASH-FLOW-revised-2024.pdf | 2024 |
| 3.11a | Exercise | Prepare Maria’s Cash Flow Statement (Budget) | https://money101education.com/wp-content/uploads/2024/07/3.11a-EXERCISE-Calculate-Marias-Personal-Budget.pdf | 1/24/2024 |
| 4.00 | Handout | How to Prepare a Personal Financial Statement | https://money101education.com/wp-content/uploads/2024/07/4.00-Introduction-to-Personal-FInancial-Statements-Balance-Sheets-1.pdf | 7/10/2024 |
| 4.01-Excel format | Form | Personal Financial Statement | https://money101education.com/wp-content/uploads/2024/10/4.01-Personal-FInancial-Statement-form-EXCEL-format.xlsx | 10/24/2024 |
| 4.01-PDF format | Form | Personal Financial Statement | https://money101education.com/wp-content/uploads/2024/10/4.01-Personal-FInancial-Statement-form-PDF-format.pdf | 10/24/2024 |
| 4.03 | Example | Three versions o Personal Financial Statements | https://money101education.com/wp-content/uploads/2024/07/4.03-Examples-3-Personal-FInancial-Statements-PDF-format.pdf | n/a |
| 4.11a -Word format fillable | Exercise | Prepare Maris’s Personal Financial Statement – Part 1 | https://money101education.com/wp-content/uploads/2024/10/4.11a-EXERCISE-Prepare-Marias-Personal-Financial-Statement-WORD-format-1-1.docx | 10/16/2024 |
| 4.11a-Excel format | Exercise | Prepare Maris’s Personal Financial Statement – Part 1 | https://money101education.com/wp-content/uploads/2024/10/4.11a-EXERCISE-Prepare-Marias-Personal-Financial-Statement-EXCEL-format-1.xlsx | 10/16/2024 |
| 5.01 | Handout | How to get a FREE personal credit report | https://money101education.com/wp-content/uploads/2024/10/5.01-How-to-get-a-FREE-Personal-Credit-Report.pdf | 7/12/2024 |
| 5.02 | Handout | What is a Credit Score? What Factors Determine a Credit Score? | https://money101education.com/wp-content/uploads/2024/10/5.02-What-is-a-Credit-Score-What-factors-determine-a-Credit-Score.pdf | 8/31/2024 |
| 5.03a | Exercise | How Can Maria Improve Her Credit Score | https://money101education.com/wp-content/uploads/2024/10/5.03-EXERCISE-Help-Maria-Improve-her-Credit-Scorer.docx | 10/26/24 |
| 5.11 | Article | Credit Scores – how high is high enough | https://money101education.com/wp-content/uploads/2025/01/5.11-Credit-Scores-how-high-is-high-enough.pdf
| 8/14/2023 |
| 5.21 | Handout | Student Loans | https://money101education.com/wp-content/uploads/2024/07/5.21-Student-Loans.pdf | 6/10/2024 |
| 6.02 | Handout | Forms and Information to gather to prepare your 1040 tax return | https://money101education.com/wp-content/uploads/2025/02/6.02-Forms-information-needed-for-your-tax-preparer-of-a-1040-Individual-Income-Tax-Return-.pdf | 2/25/2025 |
| 6.10 | Handout | Questions to Ask when Interviewing an Accountant | https://money101education.com/wp-content/uploads/2024/11/6.10-Questions-to-ask-when-interviewing-an-accountant-.pdf | 11/3/2024 |
| 6.31a | Exercise | Calculate Maria’s 1040 Schedule C | https://money101education.com/wp-content/uploads/2025/02/6.31-EXERCISE-Calculate-Marias-Schedule-C-to-report-business-income-and-Expenses-tax-return-business-related-schedules-1.pdf | 2/25/2025 |
| 6.32 | Handout | Understanding IRS form 8829 – Business Use of Your Home | https://money101education.com/wp-content/uploads/2025/01/6.32-Understanding-Schedule-8829-Business-Use-of-Your-Home-1.pdf | 1/23/2025 |
| 6.33a | Exercise | Calculate Maria’s 1040 Schedule 8829 Home Office Deduction | https://money101education.com/wp-content/uploads/2025/01/6.33-EXERCISE-Calculate-Marias-Home-Office-Deduction-Form-8829.docx | 1/23/2025 |
| 6.34 | Handout | Understanding Self-Employment Tax | https://money101education.com/wp-content/uploads/2024/11/6.34-Understanding-Self-Employment-Tax.pdf | 3/1/2024 |
| 6.35a | Exercise | Calculate Maria and Sally’s Self-Employment Tax on IRS form SE | https://money101education.com/wp-content/uploads/2024/11/6.35-EXERCISE-Calculate-Maria-and-Sallys-Self-Employment-Tax-Using-form-SE-tax.docx | 11/3/2024 |
| 6.36a | Handout with Exercise | Understanding the Qualified Business Income Credit (QBI) | https://money101education.com/wp-content/uploads/2025/03/6.36a-Understanding-the-Qualified-Business-Income-deduction-QBI-03042005.pdf | 3/4/2025 |
| 6.41 | Handout | Understanding the Difference between Marginal and Effective Tax rates | https://money101education.com/wp-content/uploads/2025/02/6.41-Marginal-vs.-Effective-Tax-Rate-with-2024-tax-tables.pdf | 2/23/2025 |
| 6.42a | Exercise | Calculate Gwen’s Marginal and Effective Tax Rate | https://money101education.com/wp-content/uploads/2025/03/6.42a-EXERCISE-Calculate-Gwens-Marginal-and-Effective-tax-rate-2252025-.docx | 2/25/2025 |
| 6.61 | Handout | Taxpayer Advocate | https://money101education.com/wp-content/uploads/2025/02/6.61-Taxpayer-Advocate.pdf | 11/5/2024 |
| 6.81 | Sample | W-2 for Olivia Parker | https://money101education.com/wp-content/uploads/2025/02/6.81-W-2-for-Olivia-Parker.png | 2002 W-2 form |
| 6.82 | Sample | W-2 for Seymour Parker | https://money101education.com/wp-content/uploads/2025/02/6.82-W-2-for-Seymour-Parker.jpg | 2022 W-2 form |
| 6.83 | Sample | 1099 for Olivia Parker | https://money101education.com/wp-content/uploads/2025/02/6.83-1099-for-Olivia-Parker-from-Goldman-Sachs-Bank.png | 2022 1099 form |
| 6.84 | Sample | 1099 for Seymour Parker | https://money101education.com/wp-content/uploads/2025/02/6.84-1099-for-Seymour-Walker-from-Lincoln-Bank.png | 2022 1099 form |
| 6.91 | Assignment | Taxation Segment Assignment #1 – Taxation Segment | https://money101education.com/wp-content/uploads/2025/02/6.91a-Tax-Segment-Assignment-1-.docx | 2/19/2025 |
| 6.92 | Assignment | Taxation Segment Assignment #2 – Taxation Segment | https://money101education.com/wp-content/uploads/2025/02/6.92a-Tax-Segment-Assignment-2.pdf | 2/25/2025 |
| 6.93 | Assigment | Taxation Segment
Assignment #3 – Taxation Segment | https://money101education.com/wp-content/uploads/2025/03/6.93a-Tax-Segment-Assignment-3-03102025.pdf | 3/10/2025 |
| 6.94 | Assignment | Taxation Segment
Assignment #4 – Taxation Segment | https://money101education.com/wp-content/uploads/2025/03/6.94a-Tax-Segment-Assignment-4-3122025.pdf | 3/12/2025 |
| 7.01 | Handout | Retirement Accounts – An Overview | https://money101education.com/wp-content/uploads/2024/07/7.01-Retirement-Accounts-an-overview-1.pdf | 7/18/2024 |
| 7.02 | Chart | Comparison of Traditional vs ROTH IRA | https://money101education.com/wp-content/uploads/2024/07/7.02-Comparison-of-Traditional-vs-Roth-IRA.pdf | n/a |
| 7.03 | Example | Withdrawal from a retirement investment account – FIXED withdrawal amounts | https://money101education.com/wp-content/uploads/2024/08/7.03-Illustration-of-withdrawal-from-retirement-investment-account-FIXED-AMOUNT-WITHDRAWAL.pdf | n/a |
| 7.04 | Example | Withdrawal from a retirement investment account – VARIABLE withdrawal amounts | https://money101education.com/wp-content/uploads/2024/08/7.04-Illustration-of-withdrawal-from-retirement-investment-account-VARIABLE-withdrawal.pdf | n/a |
| 8.01 | Handout | Retirement Planning Steps | https://money101education.com/wp-content/uploads/2024/08/8.01-Retirement-Planning-Steps.pdf | 8/25/2024 |
| 8.03 | Handout | Introduction to Social Security and the benefits | https://money101education.com/wp-content/uploads/2024/08/8.03-Introduction-to-Social-Security-and-the-benefits-.pdf | 8/15/2024 |
| 8.04 | Example | Social Security Statement | https://money101education.com/wp-content/uploads/2024/08/8.04-Social-Security-Statement-sample-with-wage-earnings-and-potential-benefits.pdf | n/a |
| 8.05 | Chart | How to Prepare for Retirement – from the US Dept of Labor | https://money101education.com/wp-content/uploads/2024/08/8.05-How-to-Prepare-for-Retirement-from-the-US-Dept-of-Labor.pdf | 9/1/2021 |
| 8.06 | Chart |
Retirement savings growth without a match | https://money101education.com/wp-content/uploads/2024/08/8.06-Retirement-Savings-growth-without-match.pdf | n/a |
| 8.07 | Chart | Retirement savings growth with a match | https://money101education.com/wp-content/uploads/2024/08/8.07-Retirement-Savings-growth-with-a-match.pdf | n/a |
| 8.08 | Article | What the Social Security Age change means for Retirement Planning | https://money101education.com/wp-content/uploads/2025/02/8.08-ARTICLE-What-the-Social-Security-Age-Change-Means-for-Your-Retirement-Planning-1-2.pdf | 2/24/2025 |
| 8.25a | Exercise | Should Maria delay taking social security? | https://money101education.com/wp-content/uploads/2025/02/8.25a-EXERCISE-Should-Maria-delay-collecting-Social-Secuirty.pdf | 11/3/2024 |
| 8.71a | Exercise | Social Security – test your knowledge | https://money101education.com/wp-content/uploads/2024/08/8.71a-QUIZ-Social-Security-Test-Your-Knowledge.docx | 3/2/2024 |
| 9.01 | Handout | Insurance for Entrepreneurs – read before incorporating | https://money101education.com/wp-content/uploads/2025/05/9.01-Insurance-for-Entrepreneurs-READ-before-you-incorporating-your-new-business-.pdf | 2/9/2025 |
| 9.05 | Handout | Introduction to Life Insurance | https://money101education.com/wp-content/uploads/2025/05/9.05-Life-Insurance-20250525.pdf | 5/25/2025 |
| 9.06 | Article | How to Avoid Life Insurance Benefits from Being Included in Your Estate | https://money101education.com/wp-content/uploads/2025/05/9.06-Life-Insurance-how-to-avoid-value-being-included-in-your-estate-20250525.pdf | 5/25/2025 |
| 10.00 | Handout | Instructor Notes – Money & Life Cycles | https://money101education.com/wp-content/uploads/2024/09/10.0-Money-Life-Cycles-Instructor-Notes-.pdf | 8/10/2024 |
| 10.02 | Handout | Thoughts on Money | https://money101education.com/wp-content/uploads/2024/08/10.02-THOUGHTS-ON-MONEY.docx | 8/3/2024 |
| 10.05 | Form | Form SS-5 Application for a Social Security Card | https://money101education.com/wp-content/uploads/2024/08/10.05-SS-5-form-Social-Security-Card-how-to-apply-ss-5.pdf | n/a |
| 10.06 | Handout | Introduction to Savings Bonds | https://money101education.com/wp-content/uploads/2024/08/10.06-Savings-Bonds.pdf | 8/2/2024 |
| 10.07 | Handout | Introduction to 529 Educational Savings Plans | https://money101education.com/wp-content/uploads/2024/08/10.07-529-Educational-Savings-Plan-What-are-they-Whay-are-they-beneficial-.pdf | 4/15/2024 |
| 10.08 | Example | Invest $1,000 for your child and watch it grow (birth to age 18) | https://money101education.com/wp-content/uploads/2024/08/10.08-Invest-1000-for-your-child-for-18-years-and-watch-it-grow.xlsx | n/a |
| 10.09 | Handout | Allowances for Children – different philosophies | https://money101education.com/wp-content/uploads/2024/08/10.09-Allowances-for-Children-.pdf | 8/2/2024 |
| 10.11a | Handout & Exercise | Understanding Unit Pricing | https://money101education.com/wp-content/uploads/2024/08/10.11a-Understanding-Unit-Pricing.pdf | 8/2/2024 |
| 10.11b | Answer Sheet to Exercise | Answer Sheet to Exercise 10.11 a Understanding Unit Pricing | https://money101education.com/wp-content/uploads/2024/08/10.11b-Answer-sheet-to-3-quesitons-on-unit-pricing-and-deals.pdf | 8/2/2024 |
| 10.21 | Handout & Form | Skills Assessment Worksheet | https://money101education.com/wp-content/uploads/2024/08/10.21-Skills-Assessment-Worksheet.docx | 8/2/2024 |
| 10.22 | Handout | Careers and Earning Potential | https://money101education.com/wp-content/uploads/2024/08/10.22-Careers-and-Earning-Potential.-plus-College-Education-and-Upward-Mobility.pdf | 8/2/2024 |
| 10.23 | Chart | Occupation and Earnings – Data from US Dept. Labor | https://money101education.com/wp-content/uploads/2024/08/10.23-Occupations-and-earnings-data-from-United-States-Dept-Labor.pdf | n/a |
| 10.32 | Handout | Couples and Finance (1 pot, 2 pot, or 3 pots) | https://money101education.com/wp-content/uploads/2024/08/10.32-Couples-and-FInances.pdf | 8/2/2024 |
| 10.33 | Handout | Introduction to Prenuptial Agreements | https://money101education.com/wp-content/uploads/2024/08/10.33-Prenuptial-Agreements.pdf | 8/2/2024 |
| 10.34 | Article | My Prenuptial Agreement Saved Me | https://money101education.com/wp-content/uploads/2024/08/10.34-A-Prenup-Saved-me-When-My-Husband-Left-Article.pdf | 4/21/2023 |
| 10.36 | Example | Prenuptial Agreement – New York State | https://money101education.com/wp-content/uploads/2024/08/10.36.-EXAMPLE-Prenuptial-Agreement-NYS-.pdf | 8/15/2024 |
| 10.37 | Example | Prenuptial Agreement – Washington | https://money101education.com/wp-content/uploads/2024/08/10.37-EXAMPLE-Pre-Nuptial-Agreement-Washington-State-.pdf | 3/4/2022 |
| 10.38 | Example | Post-nuptial Agreement – Texas | https://money101education.com/wp-content/uploads/2024/08/10.38-EXAMPLE-Post-Nuptial-Agreement-house-Debt-TEXAS.pdf | 12/19/2022 |
| 10.39 | Example | Request to set aside Prenuptial Agreement – Florida | https://money101education.com/wp-content/uploads/2024/08/10.39-EXAMPLE-Complaint-to-set-aside-prenuptial-agreement-FLORIDA.pdf | 12/3/2021 |
| 10.41 | Handout | Introduction to Divorce: Division of Assets, Spousal Support, Child Support & Custody | https://money101education.com/wp-content/uploads/2024/08/10.41-Divorce-–-Division-of-Assets-Spousal-Maintenance-Child-Custody-Child-Support.pdf | 8/15/2024 |
| 10.42 | Form | Statement of Net Worth – New York State | https://money101education.com/wp-content/uploads/2024/08/10.42-Form-Statement-of-Net-Worth-FInances-NYS.pdf | rev 6/2016 |
| 10.43 | Handout | Key Items to Negotiate in a Divorce | https://money101education.com/wp-content/uploads/2025/06/10.43-Key-Items-to-Negotiate-in-a-Divorce-20250601.pdf | 6/1/2025 |
| 10.55 | Handout | Money & Death – Wills, Trusts and other important issues | https://money101education.com/wp-content/uploads/2024/08/10.55-Money-Death-WIlls-Trusts-and-other-important-issues.pdf | 8/15/2024 |
| 10.56 | Form | Will and Trust Planning Worksheet | https://money101education.com/wp-content/uploads/2024/08/10.56-Will-and-Trust-Planning-Worksheet.docx | 8/3/2024 |
| 10.61 | Handout | What Needs to be Done When Someone Dies | https://money101education.com/wp-content/uploads/2024/08/10.61-What-needs-to-be-done-when-someone-dies.pdf | 8/3/2024 |
| 10.62 | Form | IRS Form 706 – United States Estate Tax Return | https://money101education.com/wp-content/uploads/2024/08/10.62-IRS-Form-706-United-States-Estate-Tax-Return-.pdf | rev 8/2019 |
| 10.71 | Article | The Estate Tax Catching Americans by Surprise | https://money101education.com/wp-content/uploads/2024/11/10.71-The-Estate-Tax-catching-Americans-By-Surprise-State-Estate-and-Inheritance-taxes-.pdf | 11/18/2023 |
| 10.91 | Assignment | Money & Life Cycles Segment Assignment #1 | https://money101education.com/wp-content/uploads/2025/05/10.91-Assignment-1-Money-Life-Cycles-Segment-.docx | 10/8/2024 |
| 10.92 | Assignment | Money & Life Cycles Segment Assignment #2 | https://money101education.com/wp-content/uploads/2024/10/10.92-Assignment-2-Money-Life-Cycles-Segment-1-1.docx | 10/16/2024 |
| 10.93 | Assignment | Money & Life Cycles Segment Assignment #3 | https://money101education.com/wp-content/uploads/2024/10/10.93-Assignment-3-Money-Life-Cycles-Segment-1.docx | 10/23/2024 |
| 10.94 | Assignment | Money & Life Cycles Segment Assignment #4 | https://money101education.com/wp-content/uploads/2024/11/10.94-Assignment-4-Money-Life-Cycles-Segment.docx | 11/6/2024 |
| 10.95 | Assignment | Money & Life Cycles Segment Assignment #5 | https://money101education.com/wp-content/uploads/2024/11/10.95-Assignment-5-Money-Life-Cycles-Segment.docx | 10/23/2024 |
| 11.01 | Handout | Real Estate Segment – Instructor Notes | https://money101education.com/wp-content/uploads/2024/12/11.00-Instructors-Notes-for-Money-101-Real-Estate-for-both-the-first-time-home-buyer-and-investor-learning-the-basics.pdf | 6/3/2024 |
| 11.02 | Handout | 100-plus Factors to Consider when Shopping for Real Estate | https://money101education.com/wp-content/uploads/2025/06/11.02-100-plus-Factors-to-Consider-when-Shopping-for-Real-Estate-20250602.pdf | 6/2/2025 |
| 11.03 | Form | Unit Information Sheet | https://money101education.com/wp-content/uploads/2024/12/11.03-Unit-Information-Sheet-.pdf | n/a |
| 11.04 – Excel | Worksheet | Rental vs Purchase Cost Comparison – EXCEL format | https://money101education.com/wp-content/uploads/2024/12/11.04-WORKSHEET-Comparison-of-Rental-vs-Purchase-Costs-EXCEL-format.xlsx | n/a |
11.04 –
PDF | Worksheet | Worksheet
Rental vs Purchase Cost Comparison – PDF format | https://money101education.com/wp-content/uploads/2024/12/11.04-WORKSHEET-Comparison-of-Rental-vs-Purchase-Costs-PDF-format.pdf | n/a |
| 11.05 | Article | My Biggest Regret – Home Buyers share their Experiences | https://money101education.com/wp-content/uploads/2024/12/11.05-My-Biggest-Regret-REPRINT-of-article-from-BUZZFEED.pdf | 7/28/2024 |
| 11.06 | Handout | Understanding Real Estate Taxes and Assessments | | |
| 11.21 | Handout | Steps to take to be ready to buy a home and apply for a mortgage | https://money101education.com/wp-content/uploads/2024/12/11.21-Steps-to-take-to-be-ready-to-Buy-and-Apply-for-a-Mortgage.pdf | 5/2/2024 |
| 11.31 | Worksheet – Excel Format | How much of a mortgage can you qualify for based on your income and debt? | https://money101education.com/wp-content/uploads/2024/12/11.31-For-How-Large-A-Mortgage-Can-I-Qualify.xlsx | n/a |
| 11.34 | Chart | Mortgage Amortization Schedule – Example of a 4.25% fixed rate 30-year mortgage | https://money101education.com/wp-content/uploads/2024/12/11.33-Mortgage-Amortization-Schedule-fixed-interest-30-year-term.pdf | n/a |
| 11.38 | Example | Mortgage Commitment Letter | https://money101education.com/wp-content/uploads/2024/12/11.38-Mortgage-commitment-letter-for-loan.pdf | n/a |
| 11.41 | Example | Letter of Intent to Purchase Real Estate | https://money101education.com/wp-content/uploads/2024/12/11.41-Letter-of-Intent-to-Purchase-Real-Estate-.pdf | n/a |
| 11.42 | Form | Purchase Contract – Residential Property – (Blumberg #125 form) | https://money101education.com/wp-content/uploads/2024/12/11.42-Purchase-Contract-Residential-property-Blumberg-125-form.pdf | n/a |
| 11.43 | Form | Purchase Contract – Condominium Unit (Advantage Title) | https://money101education.com/wp-content/uploads/2024/12/11.43-Purchase-Contract-Condominium-unit-Advantage-Title-form-.pdf | n/a |
| 11.44 | Form | Purchase Contract – from Sponsor (custom agreement from sponsor) | https://money101education.com/wp-content/uploads/2024/12/11.44-Purchase-Contract-from-Sponsor-custom-agreement.pdf | n/a |
11.47
| Example | Real Estate Appraisal Report of a condominium unit | https://money101education.com/wp-content/uploads/2024/12/11.47-Real-Estate-Appraisal-Report-1-condominium-unit.pdf
n/a | n/a |
| 11.48 | Example | Real Estate Appraisal Report of a three-unit apartment building – commercial property | https://money101education.com/wp-content/uploads/2024/12/11.48-Real-Estate-Appraisal-Report-3-unit-apartment-building.pd | n/a |
| 11.49 | Example | Alteration Agreement for an apartment in a cooperative or condominium building | https://money101education.com/wp-content/uploads/2024/12/11.49-Real-Estate-Alteration-Agreement-Century-2023.pdf | n/a |
| 11.51 | Example | Closing Costs – typical fees paid by a Buyer | https://money101education.com/wp-content/uploads/2024/12/11.51-Closing-Costs-typical-fees-paid-by-the-BUYER-.pdf | n/a |
| 11.52 | Example | Closing Costs – typical fees paid by Seller | https://money101education.com/wp-content/uploads/2024/12/11.52-Closing-Costs-typical-fees-paid-by-the-SELLER.pdf | n/a |
| 11.55 | Example | Closing Statement for a Buyer showing mortgage tax | https://money101education.com/wp-content/uploads/2024/12/11.55-Closing-Statement-for-Buyer-with-Mortgage-Tax.png | n/a |
| 11.56 | Example | Closing Statement for Seller showing mortgage payoff | https://money101education.com/wp-content/uploads/2024/12/11.56-Closing-Statement-for-Seller-with-Mortgage-Payoff.pdf | n/a |
| 11.57 | Example | Closing Statement for both Buyer and Seller showing credits and debits | https://money101education.com/wp-content/uploads/2024/12/11.57-Closing-Statement-for-commercial-property-showing-both-Seller-Buyer-credits-and-debits.pdf | n/a |
| 11.61 | Example | Introduction to Commercial Real Estate | https://money101education.com/wp-content/uploads/2025/06/11.61-Introduction-to-Commercial-Real-Estate-20250401-compressed.pdf | 4/1/2025 |
| 11.62 | IRS Form | Schedule E – Supplemental Income and Loss – to report earnings on real estate | https://money101education.com/wp-content/uploads/2024/12/11.62-IRS-Form-Schedule-E-Supplemental-Income-and-Loss-2024.pdf | updated annually by the IRS |
| 11.63 | Example | Evaluating a Commercial Real Estate Opportunity | https://money101education.com/wp-content/uploads/2024/12/11.63-Evaluating-a-Commercial-Real-Estate-opportunity-at-different-investment-costs.pdf | n/a |
| 11.64 | Example | Commercial Real Estate – Cash Flow vs Taxable Income | https://money101education.com/wp-content/uploads/2025/06/11.64-Commercial-Real-Estate-Cash-Flow-vs-Taxable-Income.pdf | n/a |
| 11.65 | Example | Depreciation Expense – Amortization Chart | https://money101education.com/wp-content/uploads/2024/12/11.65-Depreciaition-Expense-for-an-Investment-Property.pdf | n/a |
| 11.70 | Handout | Financial Statements for cooperatives and condominiums – Key Metrics | https://money101education.com/wp-content/uploads/2025/05/11.70-Financial-Statments-for-Cooperatives-or-Condominiums-Key-Metrics-20250521.pdf | 5/21/2025 |
| 11.71 | Example | Financial Statement
148 W 23 St | https://money101education.com/wp-content/uploads/2024/12/11.71-Financial-Statement-Cooperative-Chelsea-Mews.pdf | FY 2022 |
| 11.72 | Example | Financial Statement
419 W 55th St | https://money101education.com/wp-content/uploads/2024/12/11.72-Financial-Statement-Cooperative-419-W-55th.pdf | FY2018 |
| 11.73 | Example | Financial Statement
1170 Apt Corp | https://money101education.com/wp-content/uploads/2024/12/11.73-Financial-Statement-Cooperative-1170-apt-corp.pdf | FY2022 |
| 11.74 | Example | Financial Statement
2774 S Ocean | https://money101education.com/wp-content/uploads/2024/12/11.77-Financial-Statement-Condominum-392-CPW.pdf | FY2020 |
| 11.75 | Example | Financial Statement
44 W 106 | https://money101education.com/wp-content/uploads/2024/12/11.75-Financial-Statement-Condominium-44-West-106th-St.pd | FY2019 |
| 11.76 | Example | Financial Statement
Broadway 98 | https://money101education.com/wp-content/uploads/2024/12/11.76-Financial-Statement-Condominium-Broadway-98.pdf | FY2022 |
| 11.77 | Example | Financial Statement
392 CPW | https://money101education.com/wp-content/uploads/2024/12/11.77-Financial-Statement-Condominum-392-CPW.pdf | FY2021 |
| 11.79 | Example | Financial Statement
West 82nd | https://money101education.com/wp-content/uploads/2024/12/11.79-Financial-Statement-Condominium-West-82nd-1.pdf | FY2019 |
| 11.81 | Handout | Understanding Homeowners Insurance | https://money101education.com/wp-content/uploads/2024/12/11.81-Understanding-Homeowners-Insurance-.pdf | 12/11/2024 |
| 11.84 | Example | Insurance Policy for NYC Condominium | https://money101education.com/wp-content/uploads/2024/12/11.84-Insurance-Policy-for-NYC-condominium-compressed.pdf | n/a |
| 11.85 | Example | Insurance Policy for Florida Cooperative | https://money101education.com/wp-content/uploads/2024/12/11.85-Inaurance-Policy-for-Florida-cooperative-.pdf | n/a |
| 11.91a | Assignment | Real Estate Segment Assignment #1 | https://money101education.com/wp-content/uploads/2025/05/11.91-Assignment-1-Real-Estate-Segment-20250514.pdf | 5/14/2025 |
| 11.92a | Assignment |
Real Estate Segment Assignment #2 | ttps://money101education.com/wp-content/uploads/2025/05/11.92a-Assignment-2-Real-Estate-Segment-20250521.docx | 5/21/2025 |
| 11.93a | Assignment |
Real Estate Segment Assignment #3 | https://money101education.com/wp-content/uploads/2025/06/11.93a-Assignment-3-Real-Estate-segment-20250529.docx | 5/29/2025 |
| 11.94a | Assignment |
Real Estate Segment Assignment #4 | https://money101education.com/wp-content/uploads/2025/06/11.94a-Assignment-4-Real-Estate-Segment-20250605.pdf | 6/5/2025 |
| 11.94aw | Worksheet | Real Estate Segment Assignment #4 worksheet – EXCEL format | https://money101education.com/wp-content/uploads/2025/06/11.94aw-WORKSHEET-for-Assignment-4-Real-Estate-Segment-20250606EXCEL-version.xlsx | 6/6/2025 |
| 11.94aw | Worksheet | Real Estate Segment Assignment #4 Worksheet – PDF format | https://money101education.com/wp-content/uploads/2025/06/11.94aw-WORKSHEET-for-Assignment-4-Real-Estate-Segment-20250606-PDF-version.pdf | 6/6/2025 |
| 11.99 | Vocabular | Real Estate Segment Vocabulary | https://money101education.com/wp-content/uploads/2024/12/11.99-Real-Estate-Vocabulary.docx | 5/1/2024 |
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