Personal finance

Chapter 1: Personal Finance Basics and the Time Value of Money
Appendix: The Time Value of Money
Chapter 2: Financial Aspects of Career Planning
Appendix: Résumés, Cover Letters, and Interviews
Chapter 3: Money Management Strategy: Financial Statements and Budgeting
Chapter 4. Planning Your Tax Strategy
Chapter 5: Financial Services: Savings Plans and Payment Accounts
Chapter 6: Introduction to Consumer Credit
Chapter 7: Choosing a Source of Credit: The Costs of Credit Alternatives
Chapter 8: Consumer Purchasing Strategies and Legal Protection
Chapter 9: The Housing Decision: Factors and Finances
Chapter 10: Property and Motor Vehicle Insurance
Chapter 11: Health, Disability, and Long-Term Care Insurance
Chapter 12: Life Insurance
Chapter 13: Investing Fundamentals
Chapter 14: Investing in Stock
Chapter 15: Investing in Bonds
Chapter 16: Investing in Mutual Funds
Chapter 17: Investing in Real Estate and Other Investment Alternatives
Chapter 18: Starting Early: Retirement Planning
Chapter 19: Estate Planning

OVERVIEW
Personal Finance is a well-established and authoritative text in the subject area. This 12th edition of the book provides extensive coverage of career planning, money management, taxes, consumer credit, housing, legal protection, insurance, investments, retirement planning, and estate planning. The objective of the book is to teach the students the fundamentals of financial planning and to build a foundation of long-term financial security. It deals with many financial planning tools to help the students identify and evaluate choices as well as understand the
consequences of decisions in terms of opportunity costs.