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eBook Details:
Full title: Personal Financial Planning, 15th Edition
Edition: 15th
Copyright year: 2021
Publisher: Cengage Learning
Author: Randy Billingsley; Lawrence J. Gitman; Michael D. Joehnk
ISBN: 9780357438633, 9780357438633
Format: PDF
Description of Personal Financial Planning, 15th Edition:
Knowing how to handle money effectively is more important today than ever. Billingsley/Gitman/Joehnk’s market-leading (PERSONAL FINANCIAL PLANNING, 15E SOLUTIONS MANUAL HERE) provides the tools, techniques, and understanding you need to define and achieve your financial goals. Numerous examples and practical illustrations complement a common-sense approach. Interesting features and insightful financial planning tips work with current updates to keep content both timely and relevant. New content guides you in using today’s financial tools and technology as you learn how to improve your spending habits, ask a financial adviser the right questions, budget effectively and choose the right bank for your individual needs. You also learn how to evaluate if it’s best to buy or lease a vehicle, select the best credit card, recognize priorities in buying a home and even plan for retirement.
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Table of Contents of Personal Financial Planning, 15th Edition, PDF ebook:
Brief ContentsContentsPrefaceAbout the AuthorsPart 1: Foundations of Financial PlanningChapter 1: Understanding the Financial Planning Process1-1 The Rewards of Sound Financial Planning1-2 The Personal Financial Planning Process1-3 From Goals to Plans: A Lifetime of Planning1-4 The Planning Environment1-5 What Determines Your Personal Income?SummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 2: Using Financial Statements and Budgets2-1 Mapping Out Your Financial Future2-2 The Balance Sheet: How Much Are You Worth Today?2-3 The Income and Expense Statement: What We Earn and Where It Goes2-4 Using Your Personal Financial Statements2-5 Cash In and Cash Out: Preparing and Using Budgets2-6 The Time Value of Money: Putting a Dollar Value on Financial Goals2-7 Inflation and Interest RatesSummaryKey TermsAnswers to Test YourselfKey Financial RelationshipsKey Financial Relationship Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 3: Preparing Your Taxes3-1 Understanding Federal Income Tax Principles3-2 It’s Taxable Income That Matters3-3 Calculating and Filing Your Taxes3-4 Other Filing Considerations3-5 Effective Tax PlanningSummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesPart 2: Managing Basic AssetsChapter 4: Managing Your Cash and Savings4-1 The Role of Cash Management in Personal Financial Planning4-2 Today’s Financial Services Marketplace4-3 A Full Menu of Cash Management Products4-4 Maintaining a Checking Account4-5 Establishing a Savings ProgramSummaryKey TermsAnswers to Test YourselfKey Financial RelationshipsKey Financial Relationships Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking Cases Chapter 5: Making Automobile and Housing Decisions5-1 Buying an Automobile5-2 Leasing a Car5-3 Meeting Housing Needs: Buy or Rent?5-4 How Much Housing Can You Afford?5-5 The Home-Buying Process5-6 Financing the TransactionSummaryKey TermsAnswers to Test YourselfKey Financial RelationshipsKey Financial Relationship Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesPart 3: Managing CreditChapter 6: Using Credit6-1 The Basic Concepts of Credit6-2 Credit Cards and Other Types of Open Account Credit6-3 Obtaining and Managing Open Forms of Credit6-4 Using Credit WiselySummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 7: Using Consumer Loans7-1 Basic Features of Consumer Loans7-2 Managing Your Credit7-3 Single-Payment Loans7-4 Installment LoansSummaryKey TermsAnswers Test YourselfKey Financial RelationshipsKey Financial Relationships Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesPart 4: Managing Insurance NeedsChapter 8: Insuring Your Life8-1 Basic Insurance Concepts8-2 Why Buy Life Insurance?8-3 How Much Life Insurance Is Right for You?8-4 What Kind of Policy Is Right for You?8-5 Buying Life Insurance8-6 Key Features of Life Insurance PoliciesSummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 9: Insuring Your Health9-1 The Importance of Health Insurance Coverage9-2 Health Insurance Plans9-3 Health Insurance Decisions9-4 Medical Expense Coverage and Policy Provisions9-5 Long-Term-Care Insurance9-6 Disability Income InsuranceSummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 10: Protecting Your Property10-1 Basic Principles of Property Insurance10-2 Homeowner’s Insurance10-3 Automobile Insurance10-4 Other Property and Liability Insurance10-5 Buying Insurance and Settling ClaimsSummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesPart 5: Managing InvestmentsChapter 11: Investment Planning11-1 The Objectives and Rewards of Investing11-2 Securities Markets11-3 Making Transactions in the Securities Markets11-4 Becoming an Informed Investor11-5 Online Investing11-6 Managing Your Investment HoldingsSummaryKey TermsAnswers to Test YourselfKey Financial RelationshipsKey Financial Relationships Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 12: Investing in Stocks and Bonds12-1 The Risks and Rewards of Investing12-2 Investing in Common Stock12-3 Investing in BondsSummaryKey TermsAnswers to Test YourselfKey Financial RelationshipsKey Financial Relationships Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 13: Investing in Mutual Funds, ETFs, and Real Estate13-1 Mutual Funds and Exchange-Traded Funds: Some Basics13-2 Types of Funds and Fund Services13-3 Making Mutual Fund and ETF Investments13-4 Investing in Real EstateSummaryKey TermsAnswers to Test YourselfKey Financial RelationshipsKey Financial Relationships Problem SetFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesPart 6: Retirement and Estate PlanningChapter 14: Planning for Retirement14-1 An Overview of Retirement Planning14-2 Social Security14-3 Pension Plans and Retirement Programs14-4 AnnuitiesSummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesChapter 15: Preserving Your Estate15-1 Principles of Estate Planning15-2 Thy Will Be Done15-3 Trusts15-4 Federal Unified Transfer Taxes15-5 Calculating Estate Taxes15-6 Estate Planning TechniquesSummaryKey TermsAnswers to Test YourselfFinancial Planning ExercisesApplying Personal FinanceCritical Thinking CasesAppendix A: Table of Future Value FactorsAppendix B: Table of Future Value Annuity FactorsAppendix C: Table of Present Value FactorsAppendix D: Table of Present Value Annuity FactorsAppendix E: Using a Financial Calculator Index
