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For courses in Personal Finance.

A Hands-On Approach to Financial Planning

The main feature of Personal Finance is its hands-on approach keyed to the concepts readers need to build their own financial plans. The text’s seven parts are all pieces of a financial plan; Chapter 21 is the capstone. A running example throughout the book and a variety of end-of-chapter cases reinforce the practical aspects of planning.

The Sixth Edition is fully updated with recent financial trends, such as lower interest rates, changing salaries, and rules for credit card use. With case studies and workable examples throughout, this book is an active tool readers can use to become comfortable managing their finances into the future.

Also Available with MyFinanceLab^™

MyFinanceLab is an online homework, tutorial, and assessment program designed to work with this text to engage students and improve results. Within its structured environment, students practice what they learn, test their understanding, and pursue a personalized study plan that helps them better absorb course material and understand difficult concepts.

NOTE: You are purchasing a standalone product; MyFinanceLab does not come packaged with this content. If you would like to purchase both the physical text and MyFinanceLab search for:

0134408373 / 9780134408378 Personal Finance Plus MyFinanceLab with Pearson eText -- Access Card Package

Package consists of:

• 0134082567 / 9780134082561 Personal Finance
• 0134082990 / 9780134082998 MyFinanceLab with Pearson eText -- Access Card -- for Personal Finance

Personal Finance

Preface

Financial Literacy Pre-Test

1. Overview of a Financial Plan

PART 1: TOOLS FOR FINANCIAL PLANNING

2. Planning with Personal Financial Statements

3. Applying Time Value Concepts

4. Using Tax Concepts for Planning

PART 2: MANAGING YOUR LIQUIDITY

5. Banking and Interest Rates

6. Managing Your Money

7. Assessing and Securing Your Credit

8. Managing Your Credit

PART 3: PERSONAL FINANCING

9. Personal Loans

10. Purchasing and Financing a Home

PART 4: PROTECTING YOUR WEALTH

11. Auto and Homeowner’s Insurance

12. Health and Disability Insurance

13. Life Insurance

PART 5: PERSONAL INVESTING

14. Investing Fundamentals

15. Investing in Stocks

16. Investing in Bonds

17. Investing in Mutual Funds

18. Asset Allocation

PART 6: RETIREMENT AND ESTATE PLANNING

19. Retirement Planning

20. Estate Planning

PART 7: SYNTHESIS OF FINANCIAL PLANNING

21. Integrating the Components of a Financial Plan

Financial Literacy Post-Test

Appendix A: Your Career

Appendix B: Projects

Appendix C: Financial Tables

Index

Credits