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by: Alex Trent
Alex Trent
Iowa Western Community College
GPA 3.86
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Human Anatomy & Physiology 2
Jennifer Buhl
Class Notes




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"Better than the professor's notes. I could actually understand what the heck was going on. Will be back for help in this class."

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This 3 page Class Notes was uploaded by Alex Trent on Friday February 12, 2016. The Class Notes belongs to Bio 173-06 at Iowa Western Community College taught by Jennifer Buhl in Winter 2016. Since its upload, it has received 24 views. For similar materials see Human Anatomy & Physiology 2 in Biology at Iowa Western Community College.

Similar to Bio 173-06 at Iowa Western Community College


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Better than the professor's notes. I could actually understand what the heck was going on. Will be back for help in this class.



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Date Created: 02/12/16
Trent 1 Alex Trent Chipman Personal Finance 1/17/16 Chapter 1 Concept Check Money is the hidden, driving force in setting financial goals.  Both in setting goals for  how much money someone wants to make and setting budgets, money is the key factor that  ideas, plans, and decisions are based around.  Often times, personal desires to be rich and have  an abundance of money will drive up financial goals as well.  Along with that, financial goals are the things that a person ultimately wants at the end of the day.  Planning to build a house or own  a nice car are great financial goals to have, but worthless without a source of monetary income. There is a relationship between utility and money.  “Utility is something that should be  valued along with cost” because utility can make the higher price of two items to be worth the  extra money, (Gitman, Joehnk, Billingsley 1­2b).  Utility is not just something that refers to  monetary value, but to personal value and feelings, “utility is the satisfaction that someone will  receive or feel from something that they buy,” (Gitman… 1­2b).  Believe it or not, utility is  actually more influential most of the time than the actual money that will be spent because utility can give the item more purpose and value.  Money is merely the form of payment that people use to get the utility, or satisfaction, from goods and items that they desire. Satisfactions should be kept in mind when spending money because satisfactions are  what will ultimately influence someone to spend their money.  Despite limiting options down  because of a budget, one will often end up spending more than the allowed budget because the  Trent 2 item will offer much more satisfaction and will be worth the extra dollars in the long run.   Satisfaction is really what people want, not money. Trent 3 Work Cited Gitman, Joehnk, and Billingsley. "Chapter 1 ­ Understanding the Financial Planning Process."  Personal Financial Planning. By Gitman. 13th ed. Unknown. 1­2b. Print.


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