دانلود کتاب Personal Finance

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Cover Title Page Copyright Page Dedication Brief Contents Contents Preface Financial Literacy Pre‐Test Chapter 1 Overview of a Financial Plan How Personal Finance Can Enhance Your Wealth How Personal Finance Can Enhance Your Job Marketability Components of a Financial Plan A Plan for Your Budgeting and Tax Planning A Plan to Manage Your Liquidity A Plan for Financing Your Large Purchases A Plan for Protecting Your Assets and Income A Plan for Investing Your Money A Plan for Your Retirement and Estate Building Your Own Financial Plan How Financial Planning Affects Your Cash Flows Part 1: Tools for Financial Planning Part 2: Managing Your Liquidity Part 3: Personal Financing Part 4: Protecting Your Wealth Part 5: Personal Investing Part 6: Retirement and Estate Planning Summary of Financial Plan Components Integration of the Financial Plan Components How Psychology Affects Your Financial Plan Developing Your Financial Plan Step 1: Establish Your Financial Goals Step 2: Consider Your Current Financial Position Step 3: Identify and Evaluate Alternative Plans That Could Achieve Your Goals Step 4: Select and Implement the Best Plan for Achieving Your Goals Step 5: Evaluate Your Financial Plan Step 6: Revise Your Financial Plan Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Spending Behavior Web Search Exercise Video Exercise: Benefits of Financial Planning Building Your Own Financial Plan The Sampsons—A Continuing Case PART 1 TOOLS FOR FINANCIAL PLANNING Chapter 2 Planning with Personal Financial Statements Personal Cash Flow Statement Cash Inflows Cash Outflows Creating a Personal Cash Flow Statement Factors Affecting Cash Flows Factors Affecting Cash Inflows Factors Affecting Cash Outflows Forecasting Your Cash Flows Anticipating Cash Shortages Assessing the Accuracy of the Budget Forecasting Net Cash Flows over Several Months Creating an Annual Budget Improving the Budget Personal Balance Sheet Assets Liabilities Net Worth Creating a Personal Balance Sheet Changes in the Personal Balance Sheet How Cash Flows Affect the Personal Balance Sheet Impact of the Economy on the Personal Balance Sheet Analysis of the Personal Balance Sheet How Budgeting Influences Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Cash Outflows Web Search Exercise Video Exercise: Budgeting Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 3 Applying Time Value Concepts Importance of the Time Value of Money Future Value of a Dollar Amount Using the Future Value Table Impact of a Longer Period Impact of a Higher Interest Rate Using a Financial Calculator to Compute Future Value The Power of Compounding The Future Value of Debt Twisted Logic About Long‐Term Debt Present Value of a Dollar Amount Using the Present Value Table Using a Financial Calculator to Compute Present Value Future Value of an Annuity Using the Future Value Annuity Table Using a Financial Calculator to Compute FVA Present Value of an Annuity Using the Present Value Annuity Table Using a Financial Calculator to Compute PVA Using Time Value to Estimate Savings Estimating the Future Value from Savings Estimating the Annual Savings That Will Achieve a Future Amount How Time Value Concepts Can Motivate Saving How Time Value Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Future Value of Your Cash Web Search Exercise Video Exercise: How Your Savings Grow Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 4 Using Tax Concepts for Planning Background on the Tax System Social Security and Medicare Taxes Personal Income Taxes Calculating Your Taxable Income Gross Income Adjusted Gross Income Standard Deduction Calculating Your Taxes if You Take the Standard Deduction Single Filer Calculation of Personal Income Taxes Joint Filer Calculation of Personal Income Taxes Summary of Determining Your Personal Income Taxes with the Standard Deduction Calculating Your Taxes if You Itemize Deductions Interest Expenses on Mortgage Loans State and Local Taxes Medical Expenses Charitable Gifts Comparison of Itemized Deductions to the Standard Deduction Conditions That Can Provide Tax Benefits Child Tax Credits College Expense Tax Credits and Education Savings Plans Earned Income Credit Investments That Offer Tax Benefits How Tax Planning Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Taxes Web Search Exercise Video Exercise: Tax Saving Tips Building Your Own Financial Plan The Sampsons—A Continuing Case Brad Brooks—A Continuing Case PART 2 MANAGING YOUR LIQUIDITY Chapter 5 Banking and Interest Rates Types of Financial Institutions Depository Institutions Nondepository Institutions Financial Conglomerates Banking Services Offered Checking Services Check Float Savings Accounts Credit Card Financing Safety Deposit Boxes Automated Teller Machines (ATMs) Cashier’s Checks Money Orders Traveler’s Checks Selecting a Financial Institution Criteria Used to Select a Financial Institution Interest Rates on Deposits and Loans Risk‐Free Rate Risk Premium Comparing Interest Rates and Risk Term Structure of Interest Rates Loan Rates Why Interest Rates Change Shift in Monetary Policy Shift in the Government Demand for Funds Shift in the Business Demand for Funds How Banking Services Fit Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Paying Your Bills Web Search Exercise Video Exercise: Banking Tips Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 6 Managing Your Money Background on Money Management Liquidity Adequate Return Money Market Investments Checking Account NOW Account Savings Deposit Certificate of Deposit Money Market Deposit Account (MMDA) Treasury Bills Money Market Funds (MMFs) Asset Management Account Comparison of Money Market Investments Risk of Money Market Investments Credit Risk Interest Rate Risk Liquidity Risk Risk Management Risk Assessment of Money Market Investments Optimal Allocation of Money Market Investments How Money Management Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Forced Savings Web Search Exercise Video Exercise: Investing In Money Markets Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 7 Assessing and Securing Your Credit Background on Credit Types of Credit Advantages of Using Credit Disadvantages of Using Credit Credit Rights Credit History Credit Insurance Credit Bureaus Credit Reports Provided by Credit Bureaus Correcting Credit Report Mistakes Credit Score Different Credit Scores Checking Credit Scores Interpreting Credit Scores Improving Your Credit Score Identity Theft: A Threat to Your Credit The Cost of Identity Theft Identity Theft Tactics Protecting Against Identity Theft Shielding Personal Information at Home Protecting Personal Information at Work Identity Theft Insurance Response to Identity Theft Contact the Police Contact the FTC Contact Credit Reporting Companies Contact Creditors Contact Others How Credit Assessment and Security Fit Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology Of Personal Finance: Paying Off Credit Card Debt Web Search Exercise Video Exercise: Improving Your Credit Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 8 Managing Your Credit Background on Credit Cards Advantages of Credit Cards Disadvantages of Credit Cards Applying for a Credit Card Types of Credit Cards Credit Limit Overlimit Protection Annual Fee Grace Period Interest Rate Cash Advances Repaying Credit Average Daily Balance Method Previous Balance Method Adjusted Balance Method Estimating Credit Repayment Reviewing Your Credit Card Statement Regulation of Credit Cards Credit CARD Act Consumer Financial Protection Bureau Tips on Using Credit Cards Use a Credit Card Only if You Can Cover the Bill Impose a Tight Credit Limit Reduce Credit Limit When the Economy Weakens Pay Credit Card Bills Before Investing Money Pay Off Credit Card Debt Before Other Debt Avoid Credit Repair Services Resolving an Excessive Credit Balance How Credit Management Fits Within Your Financial Plan Plan for Managing Credit Analysis Decision Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Using Your Credit Cards Web Search Exercise Video Exercise: Tips on Using Credit Cards Building Your Own Financial Plan The Sampsons—A Continuing Case Brad Brooks—A Continuing Case PART 3 PERSONAL FINANCING Chapter 9 Personal Loans Background on Personal Loans Sources of Personal Loans Determining Whether a Loan Is Sensible The Personal Loan Process Interest Rates on Personal Loans Annual Percentage Rate Simple Interest Add‐On Interest Car Loans How Much Money to Spend on a Car Selecting the Car Negotiating the Price Financing Decisions Purchase Versus Lease Decision Student Loans Types of Student Loans Repaying Student Loans Home Equity Loans Credit Limit on a Home Equity Loan Interest Rate Payday Loans Reasons to Avoid Payday Loans Alternatives to Payday Loans How Personal Loans Fit Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Car Loan Web Search Exercise Video Exercise: Researching Payday Lenders Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 10 Purchasing and Financing a Home How Much Can You Afford? Affordable Down Payment Affordable Monthly Mortgage Payments Selecting a Home Relying on a Real Estate Agent Using Online Realtor Services Criteria Used to Select a Home Valuation of a Home Market Analysis Economic Impact on Home Values Impact of the Financial Crisis on Home Values Effects of Business Activity and Zoning Laws Obtaining a Second Opinion on Your Valuation Negotiating a Price Transaction Costs of Purchasing a Home Prequalification and Preapproval for a Mortgage Down Payment Closing Costs Financing with Fixed‐Rate Mortgages Amortization Table Impact of the Mortgage Amount on the Monthly Payment Impact of the Interest Rate on the Monthly Payment Impact of the Mortgage Maturity on the Monthly Payment Estimating the Monthly Mortgage Payment Financing with Adjustable‐Rate Mortgages Initial Rate Interest Rate Index Frequency of Rate Adjustments Caps on Adjustable‐Rate Mortgages Financing with a Fixed‐ Versus an Adjustable‐Rate Mortgage Decision to Own a Home Versus Renting Estimating the Total Cost of Renting and Owning Special Types of Mortgages Graduated Payment Mortgage Balloon Payment Mortgage Interest‐Only Mortgage Mortgage Refinancing Rate Modification Refinancing Analysis How a Mortgage Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Buying Your Home Web Search Exercise Video Exercise: Purchasing a Home Building Your Own Financial Plan The Sampsons—A Continuing Case Brad Brooks—A Continuing Case PART 4 PROTECTING YOUR WEALTH Chapter 11 Auto and Homeowner’s Insurance Insurance and the Management of Risk Avoid Risk Reduce Risk Accept Risk Insure Against Risk Economic Impact on the Decision to Insure Against Risk Role of Insurance Companies Insurance Company Operations Auto Insurance Auto Insurance Policy Provisions Coverage A: Liability Coverage Coverage B: Medical Payments Coverage Coverage C: Uninsured or Underinsured Motorist Coverage Coverage D: Collision and Comprehensive Coverage Other Provisions Summary of Auto Insurance Provisions Auto Insurance Premiums Characteristics of Your Car Your Personal Characteristics Your Insurance Company If You Are in an Auto Accident Homeowner’s Insurance Provisions Property Damage Other Structures on Property Personal Property Liability Other Types of Provisions Homeowner’s Insurance Premiums Factors That Affect Homeowner’s Insurance Premiums Reducing Your Homeowner’s Insurance Premium Filing a Claim Renter’s Insurance Renter’s Insurance Policy Provisions Umbrella Personal Liability Policy How Insurance Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Online Exercises Psychology of Personal Finance: Your Auto Insurance Web Search Exercise Video Exercise: Selecting Auto Insurance Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 12 Health and Disability Insurance Background on Health Insurance Cost of Health Insurance Private Health Insurance Types of Private Health Insurance Coverage Premiums for Private Health Care Insurance Comparison of Private Health Insurance Plans Contents of Health Care Plans Identification of Insured Persons Location Cancellation and Renewability Options Other Coverage Determinants of Unreimbursed Medical Expenses Expenses Not Covered by Private Insurance Plans Government Health Care Plans Medicare Medicaid Regulations in Health Care Insurance Consolidated Omnibus Budget Reconciliation Act (COBRA) Health Insurance Portability and Accountability Act (HIPAA) Affordable Care Act Long‐Term Care Insurance Long‐Term Care Insurance Provisions Factors That Affect Long‐Term Care Insurance Premiums Reducing Your Cost of Long‐Term Care Insurance Determining the Amount of Coverage Disability Insurance Sources of Disability Income Insurance Disability Insurance Provisions Deciding on Disability Insurance How Health and Disability Insurance Fit Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Health Insurance Web Search Exercise Video Exercise: Selecting Health Insurance Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 13 Life Insurance Background on Life Insurance Role of Life Insurance Psychology Behind the Life Insurance Decision Role of Life Insurance Companies Applying for Life Insurance Types of Life Insurance Term Insurance Whole Life Insurance Universal Life Insurance Determining the Amount of Life Insurance Income Method Budget Method Contents of a Life Insurance Policy Beneficiary Grace Period Living Benefits Nonforfeiture Clause Loans Incontestability Date Renewability Option Conversion Option Settlement Options Selecting a Life Insurance Company The Specific Policy That You Want Relatively Low Insurance Premiums Strong Financial Condition Services Other Types of Insurance How Life Insurance Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Life Insurance Web Search Exercise Video Exercise: Selecting Life Insurance Building Your Own Financial Plan The Sampsons—A Continuing Case Brad Brooks—A Continuing Case PART 5 PERSONAL INVESTING Chapter 14 Investing Fundamentals Paying Off Debt Types of Investments Money Market Securities Stocks Bonds Mutual Funds Real Estate Precious Metals Investment Return Return from Investing in Stock Return from Investing in Bonds Return from Investing in Mutual Funds Return from Investing in Real Estate Measuring the Return on Your Investment How Your Wealth Is Influenced by Your Return Risk from Investing Illustration of Risk Risk Due to Uncertainty Surrounding Economic Conditions Measuring an Investment’s Risk Trade‐Off Between Return and Risk Return‐Risk Trade‐Off Among Stocks Return‐Risk Trade‐Off Among Bonds Return‐Risk Trade‐Off Among Mutual Funds Return‐Risk Trade‐Off Among Real Estate Investments Comparing Different Types of Investments Learning from Investment Mistakes Making Decisions Based on Unrealistic Goals Borrowing to Invest Taking Risks to Recover Losses How Personal Investing Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Investments Web Search Exercise Video Exercise: Investing Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 15 Investing in Stocks Stock Exchanges New York Stock Exchange Nasdaq Stock Market Other Stock Exchanges Over‐the‐Counter (OTC) Markets Stock Quotations Purchasing and Selling Stocks Selecting a Broker Placing an Order Placing an Order Online Buying Stock on Margin Short Selling Stock Analyzing Stocks Analyzing a Firm’s Financial Condition Analyzing Economic Conditions Industry Conditions Integrating Your Analyses Limitations of Stock Analysis How Stock Investment Methods Fit Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Online Exercises Psychology of Personal Finance: Buying Stocks on Margin Web Search Exercise Video Exercise: Investing in Stocks Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 16 Investing in Bonds Background on Bonds Bond Characteristics A Bond’s Yield to Maturity Bond Trading in the Secondary Market Types of Bonds Treasury Bonds Municipal Bonds Federal Agency Bonds Corporate Bonds Return from Investing in Bonds Impact of Interest Rate Movements on Bond Returns Tax Implications of Investing in Bonds Valuing a Bond Risk from Investing in Bonds Default Risk Call Risk Interest Rate Risk Bond Investment Strategies Interest Rate Strategy Passive Strategy Maturity Matching Strategy How Investing in Bonds Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Buying Risky Bonds Web Search Exercise Video Exercise: Investing In Bonds Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 17 Investing in Mutual Funds Background on Mutual Funds Motives for Investing in Mutual Funds Net Asset Value Open‐End Versus Closed‐End Funds Load Versus No‐Load Funds Expense Ratios Types of Mutual Funds Types of Stock Mutual Funds Types of Bond Mutual Funds Other Types of Mutual Funds Exchange‐Traded Funds Types of Exchange‐Traded Funds Advantages and Disadvantages of ETFs Return and Risk of a Mutual Fund Return from Investing in a Mutual Fund Risk from Investing in a Stock Mutual Fund Trade‐Off Between Expected Return and Risk of Stock Funds Risk from Investing in a Bond Mutual Fund Trade‐Off Between Expected Return and Risk of Bond Funds Selecting Among Mutual Funds Reviewing a Mutual Fund’s Prospectus Choosing the Type of Fund Making the Decision Quotations of Mutual Funds Diversification Among Mutual Funds Impact of the Financial Crisis on Diversification Benefits International Diversification of Mutual Funds Diversification Through Mutual Fund Supermarkets Other Types of Funds How Mutual Funds Fit Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Investing In Mutual Funds Web Search Exercise Video Exercise: Investing In Mutual Funds Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 18 Asset Allocation How Diversification Reduces Risk Benefits of Portfolio Diversification Determining Portfolio Benefits Factors That Influence Diversification Benefits Strategies for Diversifying Diversification of Stocks Across Industries Diversification of Stocks Across Countries Economic Impact on Global Diversification Benefits Asset Allocation Strategies Including Bonds in Your Portfolio Including Real Estate Investments in Your Portfolio Including Stock Options in Your Portfolio How Asset Allocation Affects Risk An Affordable Way to Conduct Asset Allocation Your Asset Allocation Decision Your Stage in Life Your Degree of Risk Tolerance Your Expectations About Economic Conditions How Asset Allocation Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Asset Allocation Web Search Exercise Video Exercise: Asset Allocation Building Your Own Financial Plan The Sampsons—A Continuing Case Brad Brooks—A Continuing Case PART 6 RETIREMENT AND ESTATE PLANNING Chapter 19 Retirement Planning Social Security Qualifying for Social Security Retirement Benefits Concern About Retirement Benefits in the Future Defined‐Benefit Versus Defined‐Contribution Plans Defined‐Benefit Plans Defined‐Contribution Plans Your Retirement Planning Decisions Which Retirement Plan Should You Pursue? How Much Should You Contribute? How Should You Invest Your Contributions? Retirement Plans Offered by Employers 401(k) Plan Roth 401(k) Plan 403(b) Plan Simplified Employee Pension (SEP) Plan SIMPLE Plan Profit Sharing Employee Stock Ownership Plan (ESOP) Managing Your Retirement Account After Leaving Your Employer Retirement Plans for the Self‐Employed Keogh Plan Simplified Employee Pension (SEP) Plan Individual Retirement Accounts Traditional IRA Roth IRA Comparison of the Roth IRA and Traditional IRA Annuities Fixed Versus Variable Annuities Annuity Fees Estimating Your Future Retirement Savings Estimating the Future Value of a Set of Annual Investments How Retirement Planning Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Retirement Web Search Exercise Video Exercise: Retirement Planning Building Your Own Financial Plan The Sampsons—A Continuing Case Chapter 20 Estate Planning Purpose of a Will Reasons for Having a Will Creating a Valid Will Common Types of Wills Key Components of a Will Changing Your Will Executing the Will During Probate Estate Taxes Determining Estate Taxes Other Related Taxes Valuing Your Estate to Assess Potential Estate Taxes Trusts, Gifts, and Contributions Trusts Gifts Contributions to Charitable Organizations Other Aspects of Estate Planning Living Will Power of Attorney Maintaining Estate Plan Documents How Estate Planning Fits Within Your Financial Plan Discussion Questions Summary Review Questions Financial Planning Online Exercises Psychology of Personal Finance: Your Will Web Search Exercise Video Exercise: Estate Planning Building Your Own Financial Plan The Sampsons—A Continuing Case Brad Brooks—A Continuing Case PART 7 SYNTHESIS OF FINANCIAL PLANNING Chapter 21 Integrating the Components of a Financial Plan Review of Components Within a Financial Plan Budgeting Managing Liquidity Personal Financing Protecting Your Assets and Income Managing Investments Retirement Planning Maintaining Your Financial Documents Integrating the Components Summary Review Questions Financial Planning Problems Financial Planning Online Exercises Psychology of Personal Finance: Your Financial Plan Web Search Exercise Video Exercise: Financial Plan Certified Financial Planner Exercise Building Your Own Financial Plan The Sampsons—A Continuing Case Financial Literacy Post‐Test Appendix A Your Career Determining Your Career Path Factors That May Affect Your Career Path Sources of Information That Can Help You Select Your Career Path Getting the Skills You Need Training Education Internships Decisions About Your Education and Career How the Economy Can Affect Your Decision Comparative Analysis of Pursuing More Education Versus a Job Selecting Your School Factors to Consider When Choosing a College Commuting versus Going Away to College Selecting Your Major Review Course Content Research Possible Career Paths Recommendations Based on Self‐Testing Conduct Analysis to Compare Majors Continuing Your Education Criteria Used to Assess Applicants Your Application Your Resume Using Social Media Your Interview Comparing Job Offers Changing Your Career Self‐Employment Conclusion Appendix B Projects Assessing Your Credit Career Planning Project Information on Career Planning Leasing an Apartment Stock Market Project Obtaining Stock Price and Dividend Information Enter the Stock Information Determine Your Gain over the School Term Comparing Your Stock to the General Market Team Project Appendix C Financial Tables Index Free Apps for Personal Finance