Personal Finance Edition 13by E. Thomas Garman EBOOK PDF Instant Download




Personal Finance Edition 13 by E. Thomas Garman EBOOK PDF Instant Download

Table of Contents

Brief Contents
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