Personal_Finance
Free

Personal_Finance

By Unknown
Free
Book Description
Table of Contents
  • Preface
  • Structure
  • Chapter 1
  • Personal Financial Planning
    • Introduction
    • 1.1 Individual or “Micro” Factors That Affect Financial Thinking
      • LEARNING OBJECTIVES
    • Family Structure
    • Health
    • Career Choice
    • Age
      • KEY TAKEAWAYS
      • EXERCISES
    • [1] Based on data from http://www.careeroverview.com/salary-benefits.html (accessed November 21, 2009).
    • 1.2 Systemic or “Macro” Factors That Affect Financial Thinking
      • LEARNING OBJECTIVES
    • Business Cycles
    • Employment Rate
    • Other Indicators of Economic Health
    • Currency Value
      • KEY TAKEAWAYS
      • EXERCISES
    • 1.3 The Planning Process
      • LEARNING OBJECTIVES
    • Defining Goals
    • Assessing the Current Situation
    • Evaluating Alternatives and Making Choices
      • KEY TAKEAWAYS
      • EXERCISES
    • 1.4 Financial Planning Professionals
      • LEARNING OBJECTIVES
      • References to Professional Organizations
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 2
  • Basic Ideas of Finance
    • Introduction
    • 2.1 Income and Expenses
      • LEARNING OBJECTIVES
    • Where Does Income Come From?
    • Where Does Income Go?
    • Opportunity Costs and Sunk Costs
      • KEY TAKEAWAYS
      • EXERCISES
    • 2.2 Assets
      • LEARNING OBJECTIVES
    • Assets Store Wealth
    • Assets Create Income
    • Assets Reduce Expenses
      • KEY TAKEAWAYS
      • EXERCISES
    • 2.3 Debt and Equity
      • LEARNING OBJECTIVES
    • The Costs of Debt and Equity
    • The Uses of Debt and Equity
    • The Value of Debt
      • KEY TAKEAWAYS
      • EXERCISES
    • 2.4 Income and Risk
      • LEARNING OBJECTIVES
      • KEY TAKEAWAY
      • EXERCISE
  • Chapter 3
  • Financial Statements
    • Introduction
    • 3.1 Accounting and Financial Statements
      • LEARNING OBJECTIVES
    • The Accounting Process
    • Income Statement
    • Cash Flow Statement
    • Balance Sheet
    • Net Worth and Bankruptcy
      • KEY TAKEAWAYS
      • EXERCISES
    • 3.2 Comparing and Analyzing Financial Statements
      • LEARNING OBJECTIVES
    • Common-Size Statements
    • Common-Size Income Statement
    • Common-Size Cash Flow Statement
    • Common-Size Balance Sheet
    • Relating the Financial Statements
    • Ratio Analysis
    • Comparisons over Time
      • KEY TAKEAWAYS
      • EXERCISES
    • 3.3 Accounting Software: An Overview
      • LEARNING OBJECTIVES
    • Collecting the Data
    • Reporting Results and Planning Ahead
    • Security, Benefits, and Costs
      • Software References
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 4 Evaluating Choices: Time, Risk, and Value
    • Introduction
    • 4.1 The Time Value of Money
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
    • 4.2 Calculating the Relationship of Time and Value
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
    • 4.3 Valuing a Series of Cash Flows
      • LEARNING OBJECTIVES
    • Life Is a Series of Cash Flows
    • Financial Calculations
      • KEY TAKEAWAYS
      • EXERCISES
    • 4.4 Using Financial Statements to Evaluate Financial Choices
      • LEARNING OBJECTIVE
      • KEY TAKEAWAY
      • EXERCISES
    • 4.5 Evaluating Risk
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 5 Financial Plans: Budgets
    • Introduction
    • 5.1 The Budget Process
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
    • 5.2 Creating the Comprehensive Budget
      • LEARNING OBJECTIVES
    • Operating Budget: Recurring Incomes and Expenditures
    • Using Financial History
    • Using New Information and “Micro” Factors
    • Using Economics and “Macro” Factors
    • Capital Budget: Capital Expenditures and Investments
      • KEY TAKEAWAYS
      • EXERCISES
    • 5.3 The Cash Budget and Other Specialized Budgets
      • LEARNING OBJECTIVES
    • The Cash Budget
    • Other Specialized Budgets
      • KEY TAKEAWAYS
      • EXERCISES
    • 5.4 Budget Variances
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISE
    • 5.5 Budgets, Financial Statements, and Financial Decisions
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISE
  • Chapter 6 Taxes and Tax Planning
    • Introduction
    • 6.1 Sources of Taxation and Kinds of Taxes
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
    • 6.2 The U.S. Federal Income Tax Process
      • LEARNING OBJECTIVES
    • Taxable Entities
    • Income
    • Schedule B: Interest and Dividend Income
    • Schedule C: Business Income
    • Schedule SE: Self-Employment Tax
    • Schedule D: Capital Gains (or Losses)
    • Schedule E: Rental and Royalty Income; Income from Partnerships, S Corporations, and Trusts
    • Schedule F: Farm Income
    • Other Taxable and Nontaxable Income
    • Deductions, Exemptions, and Credits
    • Payments and Refunds
      • KEY TAKEAWAYS
      • EXERCISES
    • 6.3 Record Keeping, Preparation, and Filing
      • LEARNING OBJECTIVES
    • Keeping Records
    • Tax Preparation and Filing
    • Following Up
    • Filing Strategies
      • KEY TAKEAWAYS
      • EXERCISES
    • 6.4 Taxes and Financial Planning
      • LEARNING OBJECTIVES
    • Tax Strategies and Life Stages
    • Tax Strategies and Personal Financial Planning
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 7 Financial Management
    • Introduction
    • 7.1 Your Own Money: Cash
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
    • 7.2 Your Own Money: Savings
      • LEARNING OBJECTIVES
    • Savings Markets
    • Savings Institutions
    • Saving Instruments
    • Savings Strategies
      • KEY TAKEAWAYS
      • EXERCISES
    • 7.3 Other People’s Money: Credit
      • LEARNING OBJECTIVES
    • Kinds of Credit
    • Costs of Credit
    • Measuring Risk: Credit Ratings and Reports
    • Using a Credit Card
    • Choosing a Credit Card
    • Installment Credit
    • Personal Loans
    • Credit Trouble and Protections
      • KEY TAKEAWAYS
      • EXERCISES
    • 7.4 Other People’s Money: An Introduction to Debt
      • LEARNING OBJECTIVES
    • Costs of Debt
    • Default Risk
    • Interest Rate Risk
    • Uses of Debt
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 8 Consumer Strategies
    • Introduction
    • 8.1 Consumer Purchases
      • LEARNING OBJECTIVES
    • Before You Buy: Identify the Product
    • Before You Buy: Identify the Market
    • Before You Buy: Identify the Financing
    • As You Buy: The Purchase
    • After You Buy
    • Consumer Strategies
    • Scams: Caveat Emptor (Buyer Beware)
      • KEY TAKEAWAYS
      • EXERCISES
    • 8.2 A Major Purchase: Buying a Car
      • LEARNING OBJECTIVES
    • Identify the Product
    • Identify the Market
    • Identify the Financing: Loans and Leases
    • Purchase and Postpurchase
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 9 Buying a Home
    • Introduction
    • 9.1 Identify the Product and the Market
      • LEARNING OBJECTIVES
    • Renting a Home
    • Assessing Attributes
    • Assessing Affordability
    • Searching for a Home
    • Identifying the Market
      • KEY TAKEAWAYS
      • EXERCISES
    • 9.2 Identify the Financing
      • LEARNING OBJECTIVES
    • Down Payment
    • Monthly Payment
    • Mortgage Designs
    • Points
    • Closing Costs
      • KEY TAKEAWAYS
      • EXERCISES
    • 9.3 Purchasing and Owning Your Home
      • LEARNING OBJECTIVES
    • The Purchase Process
    • Capital Expenditures
    • Early Payment
    • Refinancing
    • Default, Foreclosure, and Fraud
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 10 Personal Risk Management: Insurance
    • Introduction
    • 10.1 Insuring Your Property
      • LEARNING OBJECTIVES
    • Home Insurance Coverage
    • Home Insurance Coverage: The Benefit
    • Home Insurance Coverage: The Cost
    • Insuring Your Car
    • Auto Insurance Coverage
    • Auto Insurance Costs
      • KEY TAKEAWAYS
      • EXERCISES
    • 10.2 Insuring Your Health
      • LEARNING OBJECTIVES
    • Health Insurance Coverage
    • Health Insurance Costs
    • Health Insurance and Health Care
    • Private Health Care Financing
    • Public Health Care Financing
    • Long-Term Care Insurance
      • KEY TAKEAWAYS
      • EXERCISES
    • 10.3 Insuring Your Income
      • LEARNING OBJECTIVES
    • Disability Insurance
    • Life Insurance
    • Term Insurance
    • Whole Life Insurance
    • Choosing a Policy
    • Life Insurance as a Financial Planning Decision
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 11 Personal Risk Management: Retirement and Estate Planning
    • Introduction
    • 11.1 Retirement Planning: Projecting Needs
      • LEARNING OBJECTIVES
    • Estimating Annual Expenses
    • Estimating Length of Retirement
    • Estimating the Amount Needed at Retirement
    • Estimating the Annual Savings for Retirement
      • KEY TAKEAWAYS
      • EXERCISES
    • 11.2 Retirement Planning: Ways to Save
      • LEARNING OBJECTIVES
    • Employer Retirement Accounts
    • U.S. Government’s Retirement Account
    • Individual Retirement Accounts
    • Self-Employed Individual Plans
      • KEY TAKEAWAYS
      • EXERCISES
    • 11.3 Estate Planning
      • LEARNING OBJECTIVES
    • Wills
    • Trusts and Gifts
    • Estate Taxes
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 12 Investing
    • Introduction
    • 12.1 Investments and Markets: A Brief Overview
      • LEARNING OBJECTIVES
    • Bonds and Bond Markets
    • Stocks and Stock Markets
    • Commodities and Derivatives
    • Mutual Funds, Index Funds, and Exchange-Traded Funds
      • KEY TAKEAWAYS
      • EXERCISES
    • 12.2 Investment Planning
      • LEARNING OBJECTIVES
    • Defining Return Objective and Risk
    • Defining Constraints
      • KEY TAKEAWAYS
      • EXERCISES
    • 12.3 Measuring Return and Risk
      • LEARNING OBJECTIVES
    • Return
    • Risk
      • KEY TAKEAWAYS
      • EXERCISES
    • 12.4 Diversification: Return with Less Risk
      • LEARNING OBJECTIVES
    • Steps to Diversification
    • Investment Strategies
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 13 Behavioral Finance and Market Behavior
    • Introduction
    • 13.1 Investor Behavior
      • LEARNING OBJECTIVES
    • Biases
    • Framing
    • Investor Profiles
      • KEY TAKEAWAYS
      • EXERCISES
    • 13.2 Market Behavior
      • LEARNING OBJECTIVES
    • Limits of Arbitrage
    • Causes of Market Inefficiency
      • KEY TAKEAWAYS
      • EXERCISES
    • 13.3 Extreme Market Behavior
      • LEARNING OBJECTIVES
    • Examples: The Internet Stock Boom and the Crash of 1929
      • KEY TAKEAWAYS
      • EXERCISE
    • 13.4 Behavioral Finance and Investment Strategies
      • LEARNING OBJECTIVES
    • Market Timing and Technical Analysis
    • Financial Fraud
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 14 The Practice of Investment
    • Introduction
    • 14.1 Investment Information
      • LEARNING OBJECTIVES
    • Economic Indicators
    • Market Information
    • Industry and Company Information
    • Evaluating Sources of Information
      • KEY TAKEAWAYS
      • EXERCISES
    • 14.2 Investing and Trading
      • LEARNING OBJECTIVES
    • Agents: Brokers and Dealers
    • Fees
    • Brokerage Accounts
    • Brokerage Orders
      • KEY TAKEAWAYS
      • EXERCISES
    • 14.3 Ethics and Regulation
      • LEARNING OBJECTIVES
    • Professional Ethics
    • Regulation of Advisors, Brokers, and Dealers
    • Investor Protection
      • KEY TAKEAWAYS
      • EXERCISES
    • 14.4 Investing Internationally: Risks and Regulations
      • LEARNING OBJECTIVES
    • Investment Information
    • Market, Economic, and Currency Risks
    • Political Risks
    • Foreign Regulatory Environments
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 15 Owning Stocks
    • Introduction
    • 15.1 Stocks and Stock Markets
      • LEARNING OBJECTIVES
    • Primary and Secondary Markets
    • Common, Preferred, and Foreign Stocks
      • KEY TAKEAWAYS
      • EXERCISES
    • 15.2 Stock Value
      • LEARNING OBJECTIVES
      • KEY TAKEAWAYS
      • EXERCISES
    • 15.3 Common Measures of Value
      • LEARNING OBJECTIVES
    • Return Ratios
    • Growth Ratios
    • Market Value Ratios
      • KEY TAKEAWAYS
      • EXERCISES
    • 15.4 Equity Strategies
      • LEARNING OBJECTIVES
    • Long-Term Strategies
    • Short-Term Strategies
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 16 Owning Bonds
    • Introduction
    • 16.1 Bonds and Bond Markets
      • LEARNING OBJECTIVES
    • Bonds
    • Bond Markets
      • KEY TAKEAWAYS
      • EXERCISES
    • 16.2 Bond Value
      • LEARNING OBJECTIVES
    • Bond Returns
    • Bond Risks
    • Yield Curve
      • KEY TAKEAWAYS
      • EXERCISES
    • 16.3 Bond Strategies
      • LEARNING OBJECTIVES
    • Diversification Strategies
    • Matching Strategies
    • Life Cycle Investing
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 17 Investing in Mutual Funds, Commodities, Real Estate, and Collectibles
    • Introduction
    • 17.1 Mutual Funds
      • LEARNING OBJECTIVES
    • Structures and Types of Mutual Funds
    • Mutual Fund Fees and Returns
    • Mutual Fund Information and Strategies
      • KEY TAKEAWAYS
      • EXERCISES
    • 17.2 Real Estate Investments
      • LEARNING OBJECTIVES
    • Direct Investments
    • Indirect Investments
      • KEY TAKEAWAYS
      • EXERCISES
    • 17.3 Commodities and Collectibles
      • LEARNING OBJECTIVES
    • Gold, Silver, and Precious Metals
    • Commodity Indexes and Exchange-Traded Funds
    • Collectibles and Unique Investments
      • KEY TAKEAWAYS
      • EXERCISES
  • Chapter 18 Career Planning
    • Introduction
    • 18.1 Choosing a Job
      • LEARNING OBJECTIVES
    • Macro Factors of the Job Market
    • Micro Factors of Your Job Market
      • KEY TAKEAWAYS
      • EXERCISES
    • 18.2 Finding a Job
      • LEARNING OBJECTIVES
    • Finding a Job Market
    • Selling Yourself: Your Cover Letter and Résumé
    • Selling Yourself: Your Interview
    • Accepting an Offer
      • KEY TAKEAWAYS
      • EXERCISES
    • 18.3 Leaving a Job
      • LEARNING OBJECTIVES
    • Leaving Voluntarily
    • Leaving Involuntarily
    • Employment Protection
      • KEY TAKEAWAYS
      • EXERCISES
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