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Personal Financial Planning

by: Gitman, Lawrence J.

Personal Financial Planning

by: Gitman, Lawrence J.

ISBN 13:
9780324282474
ISBN 10:
0324282478
Edition: 10th
Format: Hardcover
Copyright: 03/31/2004
Publisher: Cengage Learning
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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.

Preface

PART ONE FOUNDATIONS IN FINANCIAL PLANNING

(128)

Understanding the Financial Planning Process

(36)

The Rewards of Sound Financial Planning

(4)

The Personal Financial Planning Process

(7)

From Goals to Plans: A Lifetime of Planning

(7)

Summary of Personal Financial Goals

(6)

The Planning Environment

(6)

What Determines Your Personal Income?

(10)

Your Financial Statements and Plans

(48)

Mapping Out Your Financial Future

(10)

Analyzing the Benefit of a Second Income

(7)

The Time Value of Money: Putting a Dollar Value on Financial Goals

(4)

The Balance Sheet: How Much Are You Worth Today?

(5)

Balance Sheet for Tim and Andrea Shepard

(3)

The Income and Expense Statement: What We Earn and Where It Goes

(6)

Income and Expense Statement for Tim and Andrea Shepard

(4)

Using Your Personal Financial Statements

(4)

Cash In/Cash Out: Preparing and Using Budgets

(17)

The Shepards' Annual Cash Budget by Month

(5)

The Shepards' Budget Control Schedule for January, February, and March 2005

(11)

Managing Your Taxes

(42)

Understanding Federal Income Tax Principles

(4)

It's Taxable Income That Matters

(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

Amazon no longer offers textbook rentals. We do!

Personal Financial Planning

Personal Financial Planning

9780324282474

0324282478

Summary

Table of Contents

Supplemental Materials

Write a Review

Amazon no longer offers textbook rentals. We do!

Personal Financial Planning

Personal Financial Planning

9780324282474

0324282478

Summary

Table of Contents

Supplemental Materials

Write a Review

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