Nguồn ngoài
Personal Finance
This extensively updated edition of an open educational resource (OER) personal finance textbook brings timeless principles into the 2020s. With content originally developed by Rachel S. Siegel, CFA, and Carol Yacht, the revised version reflects today’s economic realities, technology, and diverse learner needs, empowering you to make informed, ethical, and well-reasoned financial decisions across all stages of life.
- Tác giả
- Guy Buker, Jerrie Muir & Erin Thomas
- Nhà xuất bản
- Coastline College
- Nguồn
- LibreTexts
- Giấy phép
- CC BY-NC-SA
- Ngôn ngữ
- EN
- Danh mục
- Kinh tế
Mục lục· 91 mục
- 01: Personal Financial Planning
- 1.01: Introduction
- 1.02: Individual or Micro Factors That Affect Financial Thinking
- 1.03: Systemic or Macro Factors That Affect Financial Thinking
- 1.04: The Planning Process
- 1.05: Financial Planning Professionals
- 02: Basic Ideas of Finance
- 2.01: Introduction
- 2.02: Income and Expenses
- 2.03: Assets
- 2.04: Debt and Equity
- 2.05: Income and Risk
- 03: Financial Statements
- 3.01: Introduction
- 3.02: Accounting and Financial Statements
- 3.03: Comparing and Analyzing Financial Statements
- 3.04: Accounting Software - An Overview
- 04: Time Value of Money
- 4.01: Introduction
- 4.02: Liquidity - A Bridge Between Wealth and Choice
- 4.03: Time and Money - Why Waiting Changes Everything
- 4.04: Simple Interest - Todays Dollar vs. Tomorrows Dollar
- 4.05: Compounding - When Your Interest Starts Earning Interest
- 4.06: Annuities - A Stream of Payments Over Time
- 4.07: Amortization - Breaking Down Big Payments Over Time
- 4.08: Putting It All Together
- 05: Financial Plans - Budgets
- 5.01: Introduction to Budgets
- 5.02: The Budget Process
- 5.03: Creating the Comprehensive Budget
- 5.04: The Cash Budget and Other Specialized Budgets
- 5.05: Budget Variances
- 5.06: Budgets Financial Statements and Financial Decisions
- 06: Taxes and Tax Planning
- 6.01: Introduction
- 6.02: Sources of Taxation and Kinds of Taxes
- 6.03: The U.S. Federal Income Tax Process
- 6.04: Record Keeping Preparation and Filing
- 6.05: Taxes and Financial Planning
- 07: Financial Management
- 7.01: What Money Actually Does
- 7.02: How Money Moves
- 7.03: Credit
- 7.04: Savings
- 7.05: Debt
- 7.06: Planning Forward
- 08: Consumer Strategies
- 8.01: Framing the Terrain
- 8.02: Seeing the Field
- 8.03: In the Tunnel
- 8.04: After the Swipe
- 8.05: Tools Before the Transaction
- 8.06: Tools After the Transaction
- 8.07: Reactivation
- 8.08: Consumer to Strategist
- 09: Buying a Home
- 9.01: Introduction
- 9.02: Identify the Product and the Market
- 9.03: Identify the Financing
- 9.04: Purchasing and Owning Your Home
- 10: Personal Risk Management- Insurance
- 10.01: Introduction
- 10.02: Insuring Your Property
- 10.03: Insuring Your Health
- 10.04: Insuring Your Income
- 11: Retirement and Estate Planning
- 11.01: Introduction
- 11.02: Retirement Planning - Projecting Needs
- 11.03: Retirement Planning - Ways to Save
- 11.04: Estate Planning
- 12: Behavioral Finance and Market Behavior
- 12.01: Introduction
- 12.02: Investor Behavior
- 12.03: Market Behavior
- 12.04: Market Efficiency
- 12.05: Extreme Market Behavior
- 12.06: Behavioral Finance and Investment Strategies
- 13: Introduction to Investing
- 13.01: Why Invest At All
- 13.02: Investing vs. Saving
- 13.03: Risk and Return
- 13.04: Goals to Strategy
- 13.05: Instruments as Tools
- 13.06: Getting Help
- 14: Investment Options and Opportunities
- 14.01: Investing Fundamentals
- 14.02: Instruments
- 14.03: Markets
- 14.04: Strategies
- 14.05: Research
- 14.06: Formulas and Metrics