PART ONE

1 Personal Finance Basics and the Time Value of Money

Appendix: Time Value of Money

2 Financial Aspects of Career Planning

Appendix: Resumes, Cover Letters, and Interviews

3 Money Management Strategy: Financial Statements and Budgeting

4 Planning Your Tax Strategy

PART TWO

5 Financial Services: Savings Plans and Payment Accounts

6 Introduction to Consumer Credit

7 Choosing a Source of Credit: The Costs of Credit Alternatives

PART THREE

8 Consumer Purchasing Strategies and Legal Protection

9 The Housing Decision: Factors and Finances

PART FOUR

10 Property and Motor Vehicle Insurance

11 Health, Disability, and Long-Term Care Insurance

12 Life Insurance

PART FIVE

13 Investing Fundamentals

14 Investing in Stocks

15 Investing in Bonds

16 Investing in Mutual Funds

17 Investing in Real Estate and Other Investment Alternatives

PART SIX

18 Starting Early: Retirement Planning

19 Estate Planning

APPENDIX

A Financial Planners and Financial Planning Information Sources

B Consumer Agencies and Organizations

C Daily Spending Diary

ENDNOTES

INDEX