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| Note: Each chapter concludes with a Summary, Key Words and Concepts, Questions for Thought and Discussion, Decision-Making Cases, Financial Math Questions, Money Matters: Life-Cycle Cases, and Exploring the World of Personal Finance | |
| Financial Planning | |
| The Importance of Personal Finance | |
| Why Study Personal Finance? | |
| Five Lifetime Financial | |
| Objectives Understanding the Economic Environment of Personal Finance | |
| Economic Considerations | |
| That Affect Decision Making Objectives and Steps to Successful | |
| Management of Personal Finances | |
| How Work Decisinos Affect Success in Personal Finance | |
| Financial Planning | |
| The Components of Successful Financial Planning | |
| Financial Statements | |
| Financial Ratios | |
| Financial Recordkeeping Using Computer Software in Personal | |
| Financial Planning What to Know about Professional | |
| Financial Planning | |
| Managing Taxes Administration and Classification of Income Taxes | |
| The Marginal Tax Rate | |
| Is Applied to the Last Dollar | |
| Earned Who Should File a Tax Return? | |
| Ways to Pay Income Taxes | |
| Eight Steps in Calculating | |
| Your Income Taxes Avoid Taxes | |
| Through Proper Planning The IRS Audits Some Tax Returns | |
| Money Management | |
| Budgeting and Cash-Flow Management | |
| The Relationship Between Financial Planning and Budgeting | |
| The Financial Goal-Setting Phase of Budgeting | |
| The Organization Phase of Budgeting | |
| The Decision-Making Phase of Budgeting | |
| The Implementation Phase of Budgeting | |
| The Control Phase of Budgeting The Evaluation Phase of Budgeting | |
| Discussions About Money | |
| Managing Your Cash | |
| What Is Cash Management? | |
| Today's Providers of Financial Services | |
| Electronic Funds Transfer Cash Management | |
| Tool 1: Interest-Earning Checking Accounts Cash Management | |
| Tool 2: Savings Accounts Cash Management | |
| Tool 3: Money Market Accounts Cash Management | |
| Tool 4: Low-Risk, Long-Term Savings Instruments | |
| Credit Use and Credit Cards Distinguishing Between Installment and Noninstallment | |
| Credit Reasons for and Against Using | |
| Credit Types of Open-Ended Credit Accounts | |
| The Process for Opening an Open-Ended | |
| Charge Account Managing a Charge Account | |
| Planned Borrowing Planning Your Credit Usage | |
| Establishing a Debt Limit | |
| The Language of Consumer Loans | |
| Sources of Consumer Loans Calculating | |
| Finance Charges and Annual Percentage Rates | |
| Dealing with Overindebtedness | |
| Automobiles and Other | |
| Major Purchases Guidelines for Wise Buying Steps Taken | |
| Before Interacting with the Seller Comparison Shopping | |
| Negotiate and Decide upon the Best Deal Evaluate Your Decision | |
| The Housing Expenditure Renting versus Owning Your Home | |
| How Much Can You Afford for Housing? Financing a Home | |
| What Does It Cost to Buy a Home? | |
| Special Considerations in Home | |
| Buying Selling a Home: A Lesson in Role Reversal | |
| Income and Asset Protection | |
| Risk Management and Property/Liability | |
| Insurance Risk and Risk Management | |
| What Is Insurance? | |
| Homeowner's Insurance Automobile Insurance | |
| Other Property and Liability Loss Exposures | |
| Collecting on Your Property and Liability Losses | |
| Health Care Planning Providers of Health Care Plans | |
| Coverages Provided by Health Care | |
| Plans Making Sense of Your | |
| Health | |
| Benefits | |
| Disability | |
| Income | |
| Insurance | |
| Life Insurance Planning | |
| Why Buy Life Insurance? | |
| How to Determine Your Life Insurance Needs | |
| Types of Life Insurance | |
| Understanding Your Life Insurance Policy Strategies for Buying Life Insurance | |
| Investment Planning | |
| Investment Fundamentals and Portfolio | |
| Management Preparations for Investing | |
| Discovering Your Own Personal | |
| Investment Philosophy | |
| Investment Selection | |
| Major Factors That Affect the Rate of Return on an Investment | |
| Portfolio Management Strategies for Long-Term Investors | |
| The Best Time to Sell | |
| Investing in Stocks and Bonds | |
| Stocks and Bonds and How They Are Used | |
| The Language of Stock Investing | |
| Three Basic Classifications of Common Stock | |
| The Language of Bond Investing | |
| Types of Bonds Available to Investors | |
| What Should You Consider Before Investing in Bonds? | |
| Advantages and Disadvantages of Investing in Bonds | |
| Investing Through Mutual Funds | |
| Reasons for Investing Through Mutual Funds | |
| The Different Objectives of Mutual Funds | |
| Classification of Mutual Funds | |
| According to Their Portfolios Unique | |
| Benefits of Mutual Funds | |
| The Costs of Investing Through Mutual Funds | |
| Strategies for Selecting a Mutual Fund | |
| When to Sell a Mutual Fund | |
| Buying and Selling Securities | |
| Securities Markets Operation of a Brokerage Firm | |
| Interpretation of Stock, Bond, and Mutual Fund Quotations | |
| Securities Transactions and the Investor | |
| Information about Securities Estimating and Calculating | |
| Potential Returns on Investments How to Invest: A Twelve-Step Process | |
| Real Estate and Advanced Portfolio Management | |
| Advantages and Disadvantages of Real Estate and Techniques of Advanced Portfolio Management | |
| What Should You Pay for a Real Estate Investment? | |
| Direct and Indirect Ownership Investments in Real Estate | |
| Speculation in the Securities Markets Speculation with Tangible Investments | |
| Retirement and Estate Planning | |
| Retirement Planning | |
| Radical Changes for Workers and Retirees | |
| Retirement Expenses and Income Sources | |
| Tax-Sheltered | |
| Retirement Plans Employer-Sponsored Qualified | |
| Retirement Plans Personal | |
| Retirement Plans Social Security | |
| Retirement Benefits | |
| A Retirement Planning | |
| Illustration | |
| Estate Planning Distributions by Probate Court | |
| Distributions by Prearranged Actions | |
| Outside Probate Court Use of Trusts to Transfer | |
| Assets and Reduce Taxes Protection of an Estate from Transfer Taxes | |
| Present and Future Value Tables | |
| Estimating Social Security Benefits | |
| Careers in Personal Financial Planning and Counseling | |
| How to Use a Financial Calculator | |
| Table of Contents provided by Publisher. All Rights Reserved. |
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