Whether looking to create and adhere to a budget or trying to best utilize consumer credit and loans, Personal Finance will help readers make smart financial decisions throughout their lives. Guiding them all the way through to retirement, this book includes numerous real-world examples to easily show them how to apply the material.
Whether looking to create and adhere to a budget or trying to best utilize consumer credit and loans, Personal Finance will help readers make smart financial decisions throughout their lives. Guiding them all the way through to retirement, this book includes numerous real-world examples to easily show them how to apply the material. They ll gain a strong understanding of critical financial concepts as they better learn how to manage their finances properly.
Part I: The Personal Financial Planning Process 1
1 Personal Financial Planning in Action 1
2 Money Management Strategies and Skills 22
3 Managing Your Taxes 42
Part II: Managing Your Personal Finances 75
4 Managing Your Cash and Savings 75
5 Consumer Credit 106
6 Using Consumer Loans 134
7 Making Automobile and Housing Decisions 158
Part III: Protecting Yourself with Insurance 190
8 Insuring Your Home and Automobile 190
9 Health and Disability Insurance 218
10 Financial Planning with Life Insurance 247
Part IV: Managing Your Investments and Your Future 278
11 Investment Basics 278
12 Investing in Stocks and Bonds 307
13 Investing in Mutual Funds 351
14 Planning for Retirement 380
15 Preserving Your Estate 404
Endnotes 432
Appendix 433
Glossary 455
Index 478
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Über den Autor
Vickie Bajtelsmit, is a professor in the College of Business at Colorado State University. She is the author of Personal Finance: Skills for Life as well as a member of several professional societies, including: the American Risk and Insurance Association, the Academy of Financial Services, the Financial Management Association, and the Risk Theory Society.
Inhaltsverzeichnis
Chapter 1: Personal Financial Planning in Action Chapter 2: Money Management Strategies and Skills Chapter 3: Managing Your Taxes Chapter 4: Managing Your Cash and Savings Chapter 5: Consumer Credit: Advantages, Disadvantages, Sources, and Costs Chapter 6: Using Consumer Loans Chapter 7: Making Automobile and Housing Decisions Chapter 8: Insuring Your Home and Automobile Chapter 9: Health and Disability Insurance Chapter 10: Financial Planning With Life Insurance Chapter 11: Investment Basics Chapter 12: Investing in Stocks and Bonds Chapter 13: Investing in Mutual Funds Chapter 14: Planning for Retirement Chapter 15: Preserving Your Estate
Klappentext
You can get there
Where do you want to go? You might already be working in business and may be looking to expand your skills. You might be setting out on a new career path. Or, you might simply want to know how to wisely manage your money, make intelligent investment decisions, and maintain healthy finances.
Wherever you want to go, Wiley Pathways Personal Financewill help you get there. Easy-to-read, practical, and up-to-date, this text not only helps you master the core business competencies and skills that you need to succeed in the classroom; it also provides you with practical, real-world advice to help you make smart financial decisions at every stage of your life. The book's brief, modular format and a variety of built-in learning resources enable you to learn at your own pace and focus your studies.
With this book, you will be able to:
- Evaluate your financial health and create a budget.
- Understand the U.S. tax system and your tax return, and use effective tax planning strategies to manage your taxes.
- Choose the right bank or financial institution and manage your cash and savings.
- Make wise credit card and consumer loan decisions.
- Learn how to purchase and finance an automobile or a home.
- Protect yourself, your family, and your property with the right insurance.
- Grow your money by investing in stocks, bonds, and mutual funds.
- Plan for retirement and preserve your estate.
- Make smart financial decisions throughout your life.
Wiley Pathwayshelps you achieve your goals
When it comes to learning about business, not every student is on the same path, but every student wants to succeed. The business series in the new Wiley Pathways imprint helps you achieve your goals. The books in this series--Marketing, Business Communication, Finance, Business Math, Real Estate, Small Business Management, Supervision, Project Management, Selling, and Personal Finance--offer a coordinated curriculum for learning business. Learn more at www.wiley.com/go/pathways.
