Personal Finance

Table of Contents

• Chapter 1: Personal Financial Planning

• • 1.1 Individual or “Micro” Factors That Affect Financial Thinking
  • 1.2 Systemic or “Macro” Factors That Affect Financial Thinking
  • 1.3 The Planning Process
  • 1.4 Financial Planning Professionals

• Chapter 2: Basic Ideas of Finance

• • 2.1 Income and Expenses
  • 2.2 Assets
  • 2.3 Debt and Equity
  • 2.4 Income and Risk

• Chapter 3: Financial Statements

• • 3.1 Accounting and Financial Statements
  • 3.2 Comparing and Analyzing Financial Statements
  • 3.3 Accounting Software: An Overview

• Chapter 4: Evaluating Choices: Time, Risk, and Value

• • 4.1 The Time Value of Money
  • 4.2 Calculating the Relationship of Time and Value
  • 4.3 Valuing a Series of Cash Flows
  • 4.4 Using Financial Statements to Evaluate Financial Choices
  • 4.5 Evaluating Risk

• Chapter 5: Financial Plans: Budgets

• • 5.1 The Budget Process
  • 5.2 Creating the Comprehensive Budget
  • 5.3 The Cash Budget and Other Specialized Budgets
  • 5.4 Budget Variances
  • 5.5 Budgets, Financial Statements, and Financial Decisions

• Chapter 6: Taxes and Tax Planning

• • 6.1 Sources of Taxation and Kinds of Taxes
  • 6.2 The U.S. Federal Income Tax Process
  • 6.3 Record Keeping, Preparation, and Filing
  • 6.4 Taxes and Financial Planning

• Chapter 7: Financial Management

• • 7.1 Your Own Money: Cash
  • 7.2 Your Own Money: Savings
  • 7.3 Other People’s Money: Credit
  • 7.4 Other People’s Money: An Introduction to Debt

• Chapter 8: Consumer Strategies

• • 8.1 Consumer Purchases
  • 8.2 A Major Purchase: Buying a Car

• Chapter 9: Buying a Home

• • Identify the Product and the Market
  • 9.2 Identify the Financing
  • 9.3 Purchasing and Owning Your Home

• Chapter 10: Personal Risk Management: Insurance

• • 10.1 Insuring Your Property
  • 10.2 Insuring Your Health
  • 10.3 Insuring Your Income

• Chapter 11: Personal Risk Management: Retirement and Estate Planning

• • 11.1 Retirement Planning: Projecting Needs
  • 11.2 Retirement Planning: Ways to Save
  • 11.3 Estate Planning

• Chapter 12: Investing

• • 12.1 Investments and Markets: A Brief Overview
  • 12.2 Investment Planning
  • 12.3 Measuring Return and Risk
  • Diversification: Return with Less Risk

• Chapter 13: Behavioral Finance and Market Behavior

• • 13.1 Investor Behavior
  • 13.2 Market Behavior
  • 13.3 Extreme Market Behavior
  • 13.4 Behavioral Finance and Investment Strategies

• Chapter 14: The Practice of Investment

• • 14.1 Investment Information
  • 14.2 Investing and Trading
  • 14.3 Ethics and Regulation
  • 14.4 Investing Internationally: Risks and Regulations

• Chapter 15: Owning Stocks

• • 15.1 Stocks and Stock Markets
  • 15.2 Stock Value
  • 15.3 Common Measures of Value
  • 15.4 Equity Strategies

• Chapter 16: Owning Bonds

• • 16.1 Bonds and Bond Markets
  • 16.2 Bond Value
  • 16.3 Bond Strategies

• Chapter 17: Investing in Mutual Funds, Commodities, Real Estate, and Collectibles

• • 17.1 Mutual Funds
  • 17.2 Real Estate Investments
  • 17.3 Commodities and Collectibles

• Chapter 18: Career Planning

• • 18.1 Choosing a Job
  • 18.2 Finding a Job
  • 18.3 Leaving a Job