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Table of Contents

    • About the Author
    • Acknowledgments
    • Dedications
    • Preface
    • 1Personal Financial Planning
      • 1.1Introduction
      • 1.2Individual or “Micro” Factors That Affect Financial Thinking
      • 1.3Systemic or “Macro” Factors That Affect Financial Thinking
      • 1.4The Planning Process
      • 1.5Financial Planning Professionals
    • 2Basic Ideas of Finance

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      • 2.1Introduction

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      • 2.2Income and Expenses

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      • 2.3Assets

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      • 2.4Debt and Equity

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      • 2.5Income and Risk

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      • 2.6Do the Math

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    • 3Financial Statements

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      • 3.1Introduction

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      • 3.2Accounting and Financial Statements

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      • 3.3Comparing and Analyzing Financial Statements

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      • 3.4Accounting Software: An Overview

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      • 3.5Do the Math

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    • 4Evaluating Choices: Time, Risk, and Value

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      • 4.1Introduction

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      • 4.2The Time Value of Money

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      • 4.3Calculating the Relationship of Time and Value

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      • 4.4Valuing a Series of Cash Flows

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      • 4.5Using Financial Statements to Evaluate Financial Choices

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      • 4.6Evaluating Risk

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      • 4.7Do the Math

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    • 5Financial Plans: Budgets

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      • 5.1Introduction

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      • 5.2The Budget Process

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      • 5.3Creating the Comprehensive Budget

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      • 5.4The Details of Budgeting and Specialized Budgets

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      • 5.5Budget Variances

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      • 5.6Budgets, Financial Statements, and Financial Decisions

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      • 5.7Do the Math

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    • 6Taxes and Tax Planning

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      • 6.1Introduction

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      • 6.2Sources of Taxation and Kinds of Taxes

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      • 6.3The U.S. Federal Income Tax Process

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      • 6.4Record Keeping, Preparation, and Filing

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      • 6.5Taxes and Financial Planning

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      • 6.6Do the Math

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    • 7Financial Management

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      • 7.1Introduction

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      • 7.2Your Own Money: Cash

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      • 7.3Your Own Money: Savings

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      • 7.4Other People’s Money: Credit

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      • 7.5Other People’s Money: An Introduction to Debt

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      • 7.6Do the Math

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    • 8Consumer Strategies

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      • 8.1Introduction

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      • 8.2Consumer Purchases

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      • 8.3A Major Purchase: Buying a Car

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      • 8.4Do the Math

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    • 9Buying a Home

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      • 9.1Introduction

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      • 9.2Identify the Product and the Market

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      • 9.3Identify the Financing

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      • 9.4Purchasing and Owning Your Home

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      • 9.5Do the Math

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    • 10Personal Risk Management: Insurance

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      • 10.1Introduction

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      • 10.2Insuring Your Property

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      • 10.3Insuring Your Health

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      • 10.4Insuring Your Income

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      • 10.5Do the Math

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    • 11Personal Risk Management: Retirement and Estate Planning

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      • 11.1Introduction

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      • 11.2Retirement Planning: Projecting Needs

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      • 11.3Retirement Planning: Ways to Save

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      • 11.4Estate Planning

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      • 11.5Do the Math

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    • 12Investing

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      • 12.1Introduction

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      • 12.2Investments and Markets: A Brief Overview

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      • 12.3Investment Planning

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      • 12.4Measuring Return and Risk

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      • 12.5Diversification: Return with Less Risk

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      • 12.6Do the Math

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    • 13Behavioral Finance and Market Behavior

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      • 13.1Introduction

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      • 13.2Investor Behavior

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      • 13.3Market Behavior

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      • 13.4Extreme Market Behavior

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      • 13.5Behavioral Finance and Investment Strategies

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      • 13.6Do the Math

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    • 14The Practice of Investment

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      • 14.1Introduction

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      • 14.2Investment Information

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      • 14.3Investing and Trading

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      • 14.4Ethics and Regulation

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      • 14.5Investing Internationally: Risks and Regulations

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      • 14.6Do the Math

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    • 15Owning Stocks

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      • 15.1Introduction

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      • 15.2Stocks and Stock Markets

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      • 15.3Stock Value

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      • 15.4Common Measures of Value

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      • 15.5Equity Strategies

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      • 15.6Do the Math

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    • 16Owning Bonds

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      • 16.1Introduction

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      • 16.2Bonds and Bond Markets

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      • 16.3Bond Value

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      • 16.4Bond Strategies

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      • 16.5Do the Math

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

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      • 17.1Introduction

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      • 17.2Mutual Funds

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      • 17.3Real Estate Investments

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      • 17.4Commodities, Currencies, and Collectibles

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      • 17.5Do the Math

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    • 18Career Planning

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      • 18.1Introduction

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      • 18.2Choosing a Job

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      • 18.3Finding a Job

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      • 18.4Leaving a Job

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    • APresent Value and Future Value Tables

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