Personal Finance, Eigth Edition
ISBN: 9780618471423 | 0618471421
Edition: 1stFormat: Hardcover
Publisher: HOUGHTON MIFFLIN
Pub. Date: 1/1/2005
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"Personal Finance "teaches students how to save and invest, manage student loans, decrease credit card debt, find reliable financial online and much more. Throughout the text, students receive advice from personal finance experts, and encounter a variety of real-life scenarios featuring people facing a wide range of financial challenges. The Eighth Edition also includes an easy-to-use guide to recent changes in tax laws, updated graphics and a more sophisticated color scheme, and coverage of the latest trends and topics. "Golden Rules of Person... MORE
| 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 Fina... MORE | |
| 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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