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Managing Your Personal Finances

by: Ryan, Joan S.

Managing Your Personal Finances

by: Ryan, Joan S.

ISBN 13:
9780538628969
ISBN 10:
0538628960
Edition: 3rd
Format: Hardcover
Copyright: 02/14/1996
Publisher: South-Western Educational Pub
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Summary

Current and fresh, yet firmly rooted in proven personal financial management techniques, this text features a conversational writing style that is highly readable and understandable. Covers the individual's roles and financial responsibility as a student, citizen, family member, consumer, and employee.

1 unit: career decisions

Choosing Your Career

(19)

Careers of the Future

(4)

Job Analysis

(4)

Coping with Change

(4)

Changing Career Opportunities

(6)

Planning Your Career

(20)

Why People Work

(1)

Factors Affecting Career Choice

(3)

Career Planning

(6)

Sources of Job Opportunity Information

(3)

Job Search Techniques

(7)

Getting the Job

(26)

The Letter of Application

(5)

The Resume

(6)

Letters of Reference

(1)

The Application Form

(4)

The Job Interview

(3)

The Thank-you Letter

(7)

Adapting to Your Job

(23)

Communicating at Work

(6)

Human Relations

(1)

Employer Expectations and Policies

(6)

Motivation and Needs

(9)

Keeping Your Job

(32)

Understanding and Preparing Work Forms

(6)

Employee Responsibilities

(4)

Employer Responsibilities

102

(3)

Employment Laws

105

(18)

Career Development: Acquiring Leadership Skill

113

(10)

2 unit: money management

Employee Pay and Benefits

123

(27)

Gross Pay, Deductions, and Net Pay

124

(9)

Benefits and Incentives

133

(4)

Trends in the Workplace

137

(3)

Labor Unions and Professional Organizations

140

(10)

Federal Income Tax

150

(30)

Our Tax System

151

(1)

History of Taxes

152

(1)

Components of the Tax System

153

(2)

Definitions of Terms

155

(6)

Preparing to File

161

(4)

Preparing Income Tax Returns

165

(15)

Budgets and Financial Records

180

(24)

Budgeting Income and Expenses

181

(4)

Personal Records

185

(2)

Legal Documents

187

(10)

Filing Systems for Personal Records

197

(7)

Checking Accounts and Banking Services

204

(35)

Purpose of a Checking Account

205

(1)

Opening Your Checking Account

206

(1)

Using Your Checking Account

207

(5)

Reconciling Your Checking Account

212

(2)

Endorsements

214

(2)

Types of Checking Accounts

216

(2)

Banking Services

218

(5)

Bank Fees

223

(16)

Financial Checkup 1: Assessing Your Financial Health

229

(10)

3 unit: financial security

Saving for the Future

239

(18)

Why You Should Save

240

(2)

How Your Money Grows

242

(1)

Where You Can Save

243

(2)

Savings Accounts

245

(2)

Selecting a Savings Plan

247

(2)

Saving Regularly

249

(8)

Managing Your Investments

257

(19)

Investment Essentials

258

(4)

Investment Strategies

262

(2)

Sources of Financial Information

264

(4)

Investment Options

268

(8)

Investing in Stocks

276

(23)

Types of Stock

277

(2)

Classification of Stock Investments

279

(2)

Stock Values and the Return on an Investment

281

(3)

The Securities Market

284

(1)

Investment Strategies

285

(5)

Stock Listings

290

(9)

Investing in Bonds

299

(18)

Corporate Bonds

300

(4)

Government Bonds

304

(2)

Buying and Selling Bonds

306

(4)

Bond Listings

310

(7)

Investing in Mutual Funds, Real Estate, and Other Alternatives

317

(22)

Mutual Fund Investments

318

(4)

Real Estate Investments

322

(6)

Metals, Gems, and Collectibles

328

(3)

Futures and Options

331

(8)

Retirement and Estate Planning

339

(40)

Planning for Retirement

340

(3)

Personal Retirement Plans

343

(3)

Employer Pensions and Government Benefits

346

(3)

Estate Planning Tools

349

(7)

Taxation of Estates

356

(23)

Financial Checkup 2: Assessing Your Financial Security

363

(16)

4 unit: credit management

Credit in America

379

(24)

The History of Credit

380

(4)

The Vocabulary of Credit

384

(1)

The Advantages and Disadvantages of Consumer Credit

385

(2)

Kinds of Credit

387

(6)

Sources of Credit

393

(10)

Credit Procedures and Laws

403

(22)

Credit Records

404

(2)

Creditworthiness

406

(2)

Getting Started with Credit

408

(2)

Credit Applications

410

(1)

Credit Ratings

411

(1)

Credit Reports

412

(2)

Credit Laws

414

(5)

Credit Discrimination

419

(6)

Cost of Credit

425

(20)

Responsibilities of Consumer Credit

426

(2)

Why Credit Costs Vary

428

(1)

Computing the Cost of Credit

429

(7)

Avoiding Unnecessary Credit Costs

436

(9)

Problems with Credit

445

(30)

Solving Credit Problems

446

(3)

Bankruptcy Laws and Their Purpose

449

(5)

Major Causes of Bankruptcy

454

(2)

Advantages of Bankruptcy

456

(1)

Disadvantages of Bankruptcy

457

(18)

Financial Checkup 3: Managing Spending and Credit Use

465

(10)

5 unit: resource management

Personal Decision Making

475

(24)

The Personal Decision-Making Process

476

(3)

Economic Needs and Wants

479

(5)

Factors That Influence Spending Decisions

484

(4)

Marketing Strategies That Influence Spending Decisions

488

(11)

Housing

499

(29)

Housing Alternatives

500

(3)

Living Arrangements

503

(6)

Renting Your Residence

509

(7)

Landlord/Tenant Responsibilities

516

(2)

Buying Your Residence

518

(3)

Making the Move

521

(7)

Real Estate Principles

528

(24)

Real Estate Ownership

529

(5)

The Process of Buying a Home

534

(4)

Real Estate Investments

538

(6)

The Financial Benefits of Real Estate

544

(2)

The Risks of Owning Real Estate

546

(6)

The Automobile

552

(24)

Buying a Car

553

(5)

Leasing a Car

558

(1)

Cost of Operating a Car

559

(2)

Extending the Life of Your Car

561

(5)

Consumer Protection for Car Buyers

566

(10)

Family Decisions

576

(35)

Marriage: a New Beginning

577

(4)

Family Financial Decisions

581

(2)

Vacation Planning

583

(5)

Divorce: Expensive and Difficult

588

(2)

Death: a Final Plan

590

(21)

Financial Checkup 4: Managing Your Resources

597

(14)

6 unit: risk management

Personal Risks and Insurance

611

(17)

How Insurance Works

612

(1)

Insurance Terminology

613

(1)

Risks

614

(2)

Risk Management

616

(3)

Planning a Personal Insurance Program

619

(9)

Property and Liability Insurance

628

(19)

Homeowners Insurance

629

(7)

Automobile Insurance

636

(5)

Umbrella Liability Insurance

641

(6)

Health and Life Insurance

647

(36)

Health Insurance

648

(5)

Income Protection Insurance

653

(2)

Life Insurance

655

(28)

Financial Checkup 5: Managing Personal Risks

666

(17)

7 unit: consumer rights and responsibilities

Role of the Consumer in the Marketplace

683

(22)

Characteristics of the Marketplace

684

(2)

Essentials of a Free Enterprise System

686

(2)

Fraudulent and Deceptive Marketing Practices

688

(7)

The Responsible Consumer

695

(10)

Consumer Protection

705

(20)

Significant Federal Consumer Legislation

706

(4)

Sources of Consumer Protection

710

(6)

State and Federal Information Numbers

716

(4)

Public Officials

720

(5)

Legal Protection

725

(28)

The Legal System

726

(4)

Court Proceedings

730

(5)

Finding a Remedy

735

(18)

Case Problems: Exploring Ethical Issues

746

(7)

Appendix A 1040EZ Tax Tables

753

(6)

Appendix B 1040A Tax Tables

759

(8)

Appendix C The Internet

767

(5)

Photo Credits

772

(1)

Glossary

773

(20)

Index

793

Amazon no longer offers textbook rentals. We do!

Managing Your Personal Finances

Managing Your Personal Finances

9780538628969

0538628960

Summary

Table of Contents

Supplemental Materials

Write a Review

Amazon no longer offers textbook rentals. We do!

Managing Your Personal Finances

Managing Your Personal Finances

9780538628969

0538628960

Summary

Table of Contents

Supplemental Materials

Write a Review

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