Personal finance.

Cover
Brief Contents
Contents
Preface
Acknowledgments
Part 1: Financial Planing
	Chapter 1: Understanding Personal Finance
		1.1 Achieving Personal Financial Success
		1.2 The Economy Affects Your Personal Financial Success
		1.3 Think Like an Economist When Making Financial Decisions
		1.4 Perform Time Value of Money Calculations
		1.5 Make Smart Money Decisions at Work
		1.6 Where to Seek Expert Financial Advice
	Chapter 2: Career Planning
		2.1 Developing Your Career Plan
		2.2 Financial and Legal Aspects of Employment
		2.3 Practice Effective Employment Search Strategies
	Chapter 3: Financial Statements, Tools, and Budgets
		3.1 Financial Values, Goals, and Strategies
		3.2 Financial Statements Measure Your Financial
 Health and Progress
		3.3 Collect and Organize Your Financial Records
 to Save Time and Money
		3.4 Money Topics to Discuss with a Partner
		3.5 Reaching Your Goals through Budgeting: Your Spending/Savings Action Plan
Part 2: Money Management
	Chapter 4: Managing Income Taxes
		4.1 Progressive Income Taxes and the Marginal Tax Rate
		4.2 Eight Steps in Calculating Your Income Taxes
		4.3 Strategies to Reduce Your Income Taxes
	Chapter 5: Managing Checking and Savings Accounts
		5.1 What Is Monetary Asset Management?
		5.2 Open Checking and Money Market Accounts
		5.3 Establish Ownership of Assets Wisely
		5.4 Electronic Money Management
		5.5 The Psychology of Money Management
	Chapter 6: Building and Maintaining Good Credit
		6.1 Advantages and Disadvantages of Using Credit
		6.2 Three Ways to Set Your Own Debt Limit
		6.3 Obtaining Credit and Building a Good Credit Reputation
		6.4 Dealing with Overindebtedness
	Chapter 7: Credit Cards and Consumer Loans
		7.1 Credit Cards and Other Types of Open-End Credit
		7.2 Managing Credit Cards Wisely
		7.3 Sources of Consumer Loans
		7.4 Installment Loans
		7.5 Calculating Interest on Consumer Loans
	Chapter 8: Vehicle and Other Major Purchases
		8.1 Before You Buy Do Your Homework
		8.2 Comparison Shop to Find the Best Buy
		8.3 Negotiate Successfully
		8.4 Complain When Appropriate
	Chapter 9: Obtaining Affordable Housing
		9.1 Should You Rent or Buy Your Home?
		9.2 What Does It Cost to Buy a Home?
		9.3 The Steps in Home Buying
		9.4 Financing a Home
		9.5 Selling a Home
Part 3: Income and Asset Protection
	Chapter 10: Managing Property and Liability Risk
		10.1 Risk and Risk Management
		10.2 Understanding How Insurance Works
		10.3 Homeowner's Insurance
		10.4 Automobile Insurance
		10.5 Buy Specialized Protection for Other Loss
 Exposures
		10.6 How to Collect on Your Property and
 Liability Losses
	Chapter 11: Planning for Health Care Expenses
		11.1 The Affordable Care Act and You
		11.2 Types of Health Care Plans
		11.3 Your Health Plan Benefits and Limits
		11.4 Planning for Long-Term Custodial Care
		11.5 Disability Income Insurance
		11.6 Advance Directive Documents
	Chapter 12: Life Insurance Planning
		12.1 How Much Life Insurance Do You Need?
		12.2 There Are Only Two Types of Life Insurance
		12.3 Understanding Your Life Insurance Policy
		12.4 How to Buy Life Insurance
Part 4: Investments
	Chapter 13: Investment Fundamentals
		13.1 Starting Your Investment Program
		13.2 Identify Your Investment Philosophy and Invest Accordingly
		13.3 Risks and Other Factors Affect the Investor's Return
		13.4 Accept the Realities of the Market and
 Avoid Investing Mistakes
		13.5 Four Safe and Effective Strategies for
 Long-Term Investors
		13.6 Creating Your Own Investment Plan
	Chapter 14: Investing in Stocks and Bonds
		14.1 The Role of Stocks and Bonds in Investments
		14.2 How to Evaluate Common Stocks
		14.3 Use the Internet to Evaluate and Select Stocks
		14.4 Buying and Selling Stocks
		14.5 Investing in Bonds
	Chapter 15: Mutual and Exchange Traded Funds
		15.1 Why Invest in Mutual Funds?
		15.2 Mutual Fund Objectives
		15.3 Mutual Fund Investing Fees and Charges
		15.4 How to Select the Funds in Which You Should Invest
	Chapter 16: Real Estate and High-Risk Investments
		16.1 How to Make Money Investing in Real Estate
		16.2 Take Advantage of Beneficial Tax
 Treatments
		16.3 Pricing and Financing Real Estate
 Investments
		16.4 Disadvantages of Real Estate Investing
		16.5 Investing in Collectibles, Precious Metals,
 and Gems
		16.6 Investing in Options and Commodity Futures Contracts
	Chapter 17: Retirement and Estate Planning
		17.1 Understanding Your Social Security
 Retirement Income Benefits
		17.2 How to Calculate the Amount You Must  Save for Retirement in Today's Dollars
		17.3 Invest through Employer-Sponsored  Retirement Plans
		17.4 Monte Carlo Retirement Advice for Investors
		17.5 Achieve Your Retirement Savings Goal through Personally Established Retirement Accounts
		17.6 Avoid Penalties and Do Not Outlive Your Money
		17.7 How to Plan for the Distribution of Your Assets
Appendix A: Present and Future Value Tables
Appendix B: Estimating Social Security Benefits
Glossary
Index