Planning your financial future / Louis E. Boone, David L. Kurtz, Douglas Hearth.

CONTENTS

PART I: Personal Financial Planning

Chapter 1. An Overview of Personal Financial Planning
The Meaning and Importance of Personal Finance
A Personal Finance Management Model
The Time Value of Money

Chapter 2. Career Aspect of Personal Finance
Your Career Choice and Personal Goals
Variables that Affect Your Income Potential
How to Choose a Career
The Job Search

Chapter 3. Developing Financial Statements, Plans, and Budgets
Personal Finance Statements
Financial Planning
Preliminary Budget Concerns
Budgeting
Record Keeping

PART II: Managing Your Money

Chapter 4. Money Management
The Roles of Money Management and Savings
Choosing the Right Place for Your Money
The Services Offered by Financial Institutions
Using a Checking Account
Savings Option

Chapter 5. Credit Management
What is Credit?
Types of Consumer Credit
Deciding How Much to Borrow
Sources of Consumer Credit
Appling for Credit
The Cost of Borrowing
Credit Abuse

Chapter 6. Understanding Taxes
What are Taxes?
Types of Taxes
The Federal Income Tax System
Preparing Your Federal Tax Return
Getting Help With your Taxes
Tax Planning

PART III: Effective Buying

Chapter 7. Transportation and other Consumer Decisions
How Consumers Make Purchase Decisions
Your Rights as a Consumer
The Transportation Decision
How to Purchase an Automobile
Financing the Car Purchase

Chapter 8. The Housing Decision
Your Personal Housing Requirements
Major Housing Options
The Buy- Versus-Rent Decision
Financing the Purchase of a Home
Finding the Right House to Buy
Selling a Home

PART IV: Purchasing Protection

Chapter 9. The Insurance Decision
The Concept of Risk
The Characteristics of an Insurance Risk
Major Categories of Insurance
Basic Elements of Insurance
The Insurance Purchase Process

Chapter 10. Life Insurance
Why Purchase Life Insurance?
How Much Life Insurance do you Need?
Types of Life Insurance Policies
The Life Insurance Contract
Buying Life Insurance

Chapter 11. Health and Disability Insurance
The Need for Health- Care Coverage
Providers of Health-Care Coverage
Managed-Care Programs
Understanding your Health-Care Plan
Disability Income Insurance

Chapter 12. Property and Liability Insurance
The Concept of Liability
Personal Liability Insurance
Homeowners Insurance
Automobile Insurance
Making the Right Auto-Insurance Decision

PART V: Investments

Chapter 13. The Investment Decision
Why Invest?
The Steps in Investment Decision
Understanding Risk and Return
Some Lessons for New Investors
Sources of Investment Information

Chapter 14. Investment Alternatives and Trade
Classifying Today's Investment Alternatives
Fixed-Income Securities
Stock Investment
Choosing the Right Stock for You
Direct Investing Beyond Stocks and Bonds
Understanding Financial Markets
Buying and Selling Securities

Chapter 15. Investing in Mutual Funds
Understanding Mutual Funds
Advantages of Mutual Funds
Picking the Right Mutual Funds
Managing Mutual Fund Investment

PART VI: Financial Planning for Tomorrow

Chapter 16. Retirement Planning
Retirement Planning
Looking Ahead
Financing Your Retirement
Social Security
Employer-Sponsored Retirement Plans
Individual Retirement Benefits
Taxes and Your Retirement

Chapter 17. Estate Planning
Understanding Estate Planning
Estates and Taxes
Wills
Trusts
Gifts

Includes index 1-6


M.A

System requirements for accompanying computer disk: IBM-compatible PC; Microsoft Windows 3.1 or higher; Microsoft Excel 5.0 or higher; Microsoft Word 6.0 or higher.