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Personal Financial Planning

by
Edition:
10th
ISBN13:

9780324282474

ISBN10:
0324282478
Format:
Hardcover
Pub. Date:
3/31/2004
Publisher(s):
Cengage Learning
List Price: $275.95
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Summary

This text, now in its tenth edition, is clear and concise with shorter chapters that allow for flexible course organization without compromising coverage. Designed as a mid-level approach to personal financial planning, this text is written in a conversational style with many real-life examples. The life-cycle approach, practical applications, and decision-making focus are reinforced with expert advice, helpful tools, and real-life examples.

Table of Contents

Preface iv
PART ONE FOUNDATIONS IN FINANCIAL PLANNING
2(128)
Understanding the Financial Planning Process
4(36)
The Rewards of Sound Financial Planning
6(4)
The Personal Financial Planning Process
10(7)
From Goals to Plans: A Lifetime of Planning
17(7)
Summary of Personal Financial Goals
18(6)
The Planning Environment
24(6)
What Determines Your Personal Income?
30(10)
Your Financial Statements and Plans
40(48)
Mapping Out Your Financial Future
42(10)
Analyzing the Benefit of a Second Income
45(7)
The Time Value of Money: Putting a Dollar Value on Financial Goals
52(4)
The Balance Sheet: How Much Are You Worth Today?
56(5)
Balance Sheet for Tim and Andrea Shepard
58(3)
The Income and Expense Statement: What We Earn and Where It Goes
61(6)
Income and Expense Statement for Tim and Andrea Shepard
63(4)
Using Your Personal Financial Statements
67(4)
Cash In/Cash Out: Preparing and Using Budgets
71(17)
The Shepards' Annual Cash Budget by Month
72(5)
The Shepards' Budget Control Schedule for January, February, and March 2005
77(11)
Managing Your Taxes
88(42)
Understanding Federal Income Tax Principles
90(4)
It's Taxable Income That Matters
94(7)
Calculating and Filing Your Taxes
101(11)
2003 Tax Return (Form 1040EZ) for Yoshio Ohno
107(2)
2003 Tax Return for the Beckers
109(3)
Other Filing Considerations
112(7)
Effective Tax Planning
119(11)
PART TWO MANAGING BASIC ASSETS
130(94)
Managing Your Cash and Savings
132(40)
The Role of Cash Management in Personal Financial Planning
134(1)
Today's Financial Services Marketplace
135(4)
The Growing Menu of Cash Management Products
139(9)
Establishing a Savings Program
148(8)
Maintaining a Checking Account
156(16)
An Account Reconciliation Form---James Morrison's May 2004 Statement
162(10)
Making Automobile and Housing Decisions
172(52)
Buying an Automobile
174(10)
Leasing Your Car
184(4)
Comparing Mary Dixon's Automobile Lease versus Purchase Costs
187(1)
Meeting Housing Needs: Buy of Rent?
188(4)
How Much Housing Can You Afford?
192(7)
Rent-or-Buy Cost Comparison
193(6)
The Rental Option
199(4)
Home Affordability Analysis for the Renee and Edward Miller Family
202(1)
The Home-Buying Process
203(5)
Financing the Transaction
208(16)
Mortgage Refinancing Analysis for the Philipatos Family
216(8)
PART THREE MANAGING CREDIT
224(92)
Borrowing On Open Account
226(48)
The Basic Concepts of Credit
228(7)
How's My Credit?
234(1)
Types of Open Account Credit
235(15)
Obtaining and Managing Open Account Credit
250(10)
Using Credit Wisely
260(14)
Using Consumer Loans
274(42)
Basic Features of Consumer Loans
276(12)
Managing Your Credit
288(5)
Single-Payment Loans
293(7)
Tracking Your Consumer Debt
294(6)
Installment Loans
300(16)
To Borrow or Not To Borrow
307(9)
PART FOUR MANAGING INSURANCE NEEDS
316(114)
Insuring Your Life
318(40)
Basic Insurance Concepts
320(2)
Why Buy Life Insurance?
322(1)
How Much Life Insurance Is Right for You?
323(6)
Determining the Benson's Need for Life Insurance
327(2)
What Kind of Policy Is Right for You?
329(12)
Buying Life Insurance
341(7)
Key Features of Life Insurance Policies
348(10)
Insuring Your Health
358(36)
The Importance Health Insurance Coverage
360(1)
Insurance Health Plans
361(5)
Health Insurance Decisions
366(5)
Medical Expense Coverage and Policy Provisions
371(8)
Health Insurance Checklist
372(7)
Long-Term Care Insurance
379(5)
Disability Income Insurance
384(10)
Estimating Disability Income Needs
385(9)
Protecting Your Property
394(36)
Some Basic Principles of Property Insurance
396(4)
Homeowner's Insurance
400(8)
Automobile Insurance
408(12)
Other Property and Liability Insurance
420(1)
Buying Insurance and Settling Claims
421(9)
PART FIVE MANAGING INVESTMENTS
430(162)
Investment Planning
432(62)
The Objectives and Rewards of Investing
434(8)
Finding the Amount of Investment Capital
438(4)
Securities Markets
442(9)
Making Transactions in the Securities Markets
451(8)
Becoming an Informed Investor
459(10)
Online Investing
469(8)
Managing Your Investment Holdings
477(17)
Keeping Tabs on Your Investment Holdings
484(10)
Investing in Stocks and Bonds
494(54)
The Risks and Rewards of Investing
496(8)
Investing in Common Stock
504(18)
Investing in Bonds
522(26)
Investing in Mutual Funds
548(44)
Mutual Funds: Some Basics
550(16)
Types of Funds and Fund Services
566(10)
Making Mutual Fund Investments
576(16)
PART SIX RETIREMENT AND ESTATE PLANNING
592(94)
Planning for Retirement
594(48)
An Overview of Retirement Planning
596(9)
Estimating Future Retirement Needs
600(5)
Social Security
605(8)
Pension Plans and Retirement Programs
613(13)
Annuities
626(16)
Preserving Your Estate
642(44)
Principles of Estate Planning
644(6)
Thy Will Be Done...
650(12)
A Checklist of Items to Keep in a Safe-Deposit Box
658(4)
Trusts
662(4)
Federal Unified Transfer Taxes
666(3)
Calculating Estate Taxes
669(13)
Computing Federal Estate Tax Due
671(11)
APPENDICES
Appendix A Table of Future Value Factors
682(1)
Appendix B Table of Future Value of Annuity Factors
682(1)
Appendix C Table of Present Value Factors
683(1)
Appendix D Table of Present Value of Annuity Factors
683(1)
Appendix E
684(2)
Index 686


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