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Personal Finance

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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.

Business
Author
Guy Buker, Jerrie Muir & Erin Thomas
Publisher
Coastline College
Source
LibreTexts
License
CC BY-NC-SA
Language
EN
Category
Economics
Read online Download PDF (open licence)
Contents· 91 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: Time Value of Money
  19. 4.01: Introduction
  20. 4.02: Liquidity - A Bridge Between Wealth and Choice
  21. 4.03: Time and Money - Why Waiting Changes Everything
  22. 4.04: Simple Interest - Todays Dollar vs. Tomorrows Dollar
  23. 4.05: Compounding - When Your Interest Starts Earning Interest
  24. 4.06: Annuities - A Stream of Payments Over Time
  25. 4.07: Amortization - Breaking Down Big Payments Over Time
  26. 4.08: Putting It All Together
  27. 05: Financial Plans - Budgets
  28. 5.01: Introduction to Budgets
  29. 5.02: The Budget Process
  30. 5.03: Creating the Comprehensive Budget
  31. 5.04: The Cash Budget and Other Specialized Budgets
  32. 5.05: Budget Variances
  33. 5.06: Budgets Financial Statements and Financial Decisions
  34. 06: Taxes and Tax Planning
  35. 6.01: Introduction
  36. 6.02: Sources of Taxation and Kinds of Taxes
  37. 6.03: The U.S. Federal Income Tax Process
  38. 6.04: Record Keeping Preparation and Filing
  39. 6.05: Taxes and Financial Planning
  40. 07: Financial Management
  41. 7.01: What Money Actually Does
  42. 7.02: How Money Moves
  43. 7.03: Credit
  44. 7.04: Savings
  45. 7.05: Debt
  46. 7.06: Planning Forward
  47. 08: Consumer Strategies
  48. 8.01: Framing the Terrain
  49. 8.02: Seeing the Field
  50. 8.03: In the Tunnel
  51. 8.04: After the Swipe
  52. 8.05: Tools Before the Transaction
  53. 8.06: Tools After the Transaction
  54. 8.07: Reactivation
  55. 8.08: Consumer to Strategist
  56. 09: Buying a Home
  57. 9.01: Introduction
  58. 9.02: Identify the Product and the Market
  59. 9.03: Identify the Financing
  60. 9.04: Purchasing and Owning Your Home
  61. 10: Personal Risk Management- Insurance
  62. 10.01: Introduction
  63. 10.02: Insuring Your Property
  64. 10.03: Insuring Your Health
  65. 10.04: Insuring Your Income
  66. 11: Retirement and Estate Planning
  67. 11.01: Introduction
  68. 11.02: Retirement Planning - Projecting Needs
  69. 11.03: Retirement Planning - Ways to Save
  70. 11.04: Estate Planning
  71. 12: Behavioral Finance and Market Behavior
  72. 12.01: Introduction
  73. 12.02: Investor Behavior
  74. 12.03: Market Behavior
  75. 12.04: Market Efficiency
  76. 12.05: Extreme Market Behavior
  77. 12.06: Behavioral Finance and Investment Strategies
  78. 13: Introduction to Investing
  79. 13.01: Why Invest At All
  80. 13.02: Investing vs. Saving
  81. 13.03: Risk and Return
  82. 13.04: Goals to Strategy
  83. 13.05: Instruments as Tools
  84. 13.06: Getting Help
  85. 14: Investment Options and Opportunities
  86. 14.01: Investing Fundamentals
  87. 14.02: Instruments
  88. 14.03: Markets
  89. 14.04: Strategies
  90. 14.05: Research
  91. 14.06: Formulas and Metrics