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BUS 320: Concepts in Personal Finance

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BUS 320: Concepts in Personal Finance

The BUS 320: Concepts in Personal Finance textbook provides a comprehensive introduction to managing personal finances, guiding students through financial planning, budgeting, taxes, credit, and consumer strategies while also addressing larger purchases such as homes and cars. It emphasizes risk management through insurance, retirement, and estate planning, and integrates behavioral finance to show how psychology affects decision-making and market behavior.

Business
Author
Dipali Buch
Publisher
Folsom Lake College
Source
LibreTexts
Language
EN
Category
Economics
Read online Download PDF (open licence)
Contents· 133 sections
  1. 01: Personal Financial Planning
  2. 1.01: Introduction
  3. 1.02: Individual or Micro Factors That Affect Financial Thinking
  4. 1.03: Systemic or Macro Factors That Affect Financial Thinking
  5. 1.04: The Planning Process
  6. 1.05: Financial Planning Professionals
  7. 02: Basic Ideas of Finance
  8. 2.01: Introduction
  9. 2.02: Income and Expenses
  10. 2.03: Assets
  11. 2.04: Debt and Equity
  12. 2.05: Income and Risk
  13. 03: Financial Statements
  14. 3.01: Introduction
  15. 3.02: Accounting and Financial Statements
  16. 3.03: Comparing and Analyzing Financial Statements
  17. 3.04: Accounting Software-An Overview
  18. 04: Your Own Situation
  19. 4.01: What is Money
  20. 4.02: Analyzing Your Current Financial Situation
  21. 4.03: Video- TED Wendy De La Rosa 10 Steps To Boost Your Financial Health
  22. 05: Financial Plans- Budgets
  23. 5.01: Introduction to Budgets
  24. 5.02: The Budget Process
  25. 5.03: Creating the Comprehensive Budget
  26. 5.04: The Cash Budget and Other Specialized Budgets
  27. 5.05: Budget Variances
  28. 5.06: Budgets Financial Statements and Financial Decisions
  29. 5.07: Alternate Perspective
  30. 5.7.01: Personal Budgeting
  31. 5.7.1.01: Making a Budget
  32. 5.7.1.02: Creating Your Budget
  33. 5.7.1.03: Understanding College Costs
  34. 5.7.1.04: Saving and Investing
  35. 5.7.02: Budgets and Saving
  36. 5.7.03: Video- Can't Stick to a Budget Try these tweaks Instead
  37. 06: Taxes and Tax Planning
  38. 6.01: Introduction
  39. 6.02: Sources of Taxation and Kinds of Taxes
  40. 6.03: The U.S. Federal Income Tax Process
  41. 6.04: Record Keeping Preparation and Filing
  42. 6.05: Taxes and Financial Planning
  43. 07: Financial Management
  44. 7.01: Introduction
  45. 7.02: Your Own Money- Cash
  46. 7.03: Your Own Money- Savings
  47. 7.04: Other People's Money- Credit
  48. 7.05: Other People's Money- An Introduction to Debt
  49. 7.06: Alternate Perspectives
  50. 7.6.01: Credit Reports
  51. 7.6.1.01: Free Credit Reports
  52. 7.6.1.02: Building a Better Credit Report
  53. 7.6.02: Taxes
  54. 7.6.2.01: After Youve Filed Your Federal Taxes
  55. 7.6.2.02: Business Tax Information
  56. 7.6.2.03: Filing Your Federal Taxes
  57. 7.6.2.04: Frequently Requested Tax Benefits
  58. 7.6.2.05: Get Help with Your Taxes
  59. 7.6.03: Credit Cards Auto Loans and Other Personal Debt
  60. 7.6.04: Banks and Financial Institutions
  61. 08: Consumer Strategies
  62. 8.01: Introduction
  63. 8.02: Consumer Purchases
  64. 8.03: A Major Purchase- Buying a Car
  65. 09: Buying a Home
  66. 9.01: Introduction
  67. 9.02: Identify the Product and the Market
  68. 9.03: Identify the Financing
  69. 9.04: Purchasing and Owning Your Home
  70. 9.05: Alternate Perspectives
  71. 9.5.01: Buying a Home
  72. 9.5.02: Housing
  73. 9.5.2.01: Buying a Home
  74. 9.5.2.02: Mortgages
  75. 9.5.2.03: Housing-Related Complaints
  76. 9.5.03: Vehicles
  77. 9.5.3.01: Buying a Car
  78. 9.5.3.02: Buying a New Car
  79. 10: Personal Risk Management- Insurance
  80. 10.01: Introduction
  81. 10.02: Insuring Your Property
  82. 10.03: Insuring Your Health
  83. 10.04: Insuring Your Income
  84. 10.05: Alternate Perspectives
  85. 10.5.01: Insurance- What do you need
  86. 11: Personal Risk Management- Retirement and Estate Planning
  87. 11.01: Introduction
  88. 11.02: Retirement Planning- Projecting Needs
  89. 11.03: Retirement Planning- Ways to Save
  90. 11.04: Estate Planning
  91. 11.05: Alternate Perspectives
  92. 11.5.01: Insurance
  93. 11.5.1.01: Understanding Your Health Coverage
  94. 11.5.1.02: Buying Insurance
  95. 11.5.1.03: Personal Insurance
  96. 11.5.1.04: Property Insurance
  97. 11.5.02: Retirement
  98. 11.5.2.01: Retirement
  99. 11.5.2.02: Types of Retirement Plans
  100. 11.5.03: Estate Planning
  101. 11.5.3.01: Getting Your Affairs in Order
  102. 11.5.3.02: Estate and Gift Taxes
  103. 11.5.3.03: Planning Your Own Funeral
  104. 11.5.3.04: Saving and Investing
  105. 11.5.04: Saving for Retirement
  106. 12: Behavioral Finance and Market Behavior
  107. 12.01: Introduction
  108. 12.02: Investor Behavior
  109. 12.03: Market Behavior
  110. 12.04: Extreme Market Behavior
  111. 12.05: Behavioral Finance and Investment Strategies
  112. 13: Introduction to Investing
  113. 13.01: Why Invest At All
  114. 13.02: Investing vs. Saving
  115. 13.03: Risk and Return
  116. 13.04: Goals to Strategy
  117. 13.05: Instruments as Tools
  118. 13.06: Getting Help
  119. 14: Investment Options and Opportunities
  120. 14.01: Investing Fundamentals
  121. 14.02: Instruments
  122. 14.03: Markets
  123. 14.04: Strategies
  124. 14.05: Research
  125. 14.06: Formulas and Metrics
  126. 15: Other Investment Options
  127. 15.01: Mutual Funds
  128. 15.02: Real Estate Investments
  129. 15.03: Commodities and Collectibles
  130. 16: Career Planning
  131. 16.01: Choosing a Job
  132. 16.02: Finding a Job
  133. 16.03: Leaving a Job