Personal Finance
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Table of Contents

• Licensing Information
• Preface
• Chapter 1: Personal Financial Planning
  • Individual or “Micro” Factors That Affect Financial Thinking
  • Systemic or “Macro” Factors That Affect Financial Thinking
  • The Planning Process
  • Financial Planning Professionals
• Chapter 2: Basic Ideas of Finance
  • Chapter Introduction
  • Income and Expenses
  • Assets
  • Debt and Equity
  • Income and Risk
• Chapter 3: Financial Statements
  • Chapter Introduction
  • Accounting and Financial Statements
  • Comparing and Analyzing Financial Statements
  • Accounting Software: An Overview
• Chapter 4: Evaluating Choices: Time, Risk, and Value
  • Chapter Introduction
  • The Time Value of Money
  • Calculating the Relationship of Time and Value
  • Valuing a Series of Cash Flows
  • Using Financial Statements to Evaluate Financial Choices
  • Evaluating Risk
• Chapter 5: Financial Plans: Budgets
  • The Budget Process
  • Creating the Comprehensive Budget
  • The Cash Budget and Other Specialized Budgets
  • Budget Variances
  • Budgets, Financial Statements, and Financial Decisions
• Chapter 6: Taxes and Tax Planning
  • Sources of Taxation and Kinds of Taxes
  • The U.S. Federal Income Tax Process
  • Record Keeping, Preparation, and Filing
  • Taxes and Financial Planning
• Chapter 7: Financial Management
  • Your Own Money: Cash
  • Your Own Money: Savings
  • Other People’s Money: Credit
  • Other People’s Money: An Introduction to Debt
• Chapter 8: Consumer Strategies
  • Consumer Purchases
  • A Major Purchase: Buying a Car
• Chapter 9: Buying a Home
  • Identify the Product and the Market
  • Identify the Financing
  • Purchasing and Owning Your Home
• Chapter 10: Personal Risk Management: Insurance
  • Insuring Your Property
  • Insuring Your Health
  • Insuring Your Income
• Chapter 11: Personal Risk Management: Retirement and Estate Planning
  • Retirement Planning: Projecting Needs
  • Retirement Planning: Ways to Save
  • Estate Planning
• Chapter 12: Investing
  • Investments and Markets: A Brief Overview
  • Investment Planning
  • Measuring Return and Risk
  • Diversification: Return with Less Risk
• Chapter 13: Behavioral Finance and Market Behavior
  • Investor Behavior
  • Market Behavior
  • Extreme Market Behavior
  • Behavioral Finance and Investment Strategies
• Chapter 14: The Practice of Investment
  • Investment Information
  • Investing and Trading
  • Ethics and Regulation
  • Investing Internationally: Risks and Regulations
• Chapter 15: Owning Stocks
  • Stocks and Stock Markets
  • Stock Value
  • Common Measures of Value
  • Equity Strategies
• Chapter 16: Owning Bonds
  • Bonds and Bond Markets
  • Bond Value
  • Bond Strategies
• Chapter 17: Investing in Mutual Funds, Commodities, Real Estate, and Collectibles
  • Mutual Funds
  • Real Estate Investments
  • Commodities and Collectibles
• Chapter 18: Career Planning
  • Choosing a Job
  • Finding a Job
  • Leaving a Job