Personal money management:
Gespeichert in:
| Beteiligte Personen: | , , |
|---|---|
| Format: | Buch |
| Sprache: | Englisch |
| Veröffentlicht: |
New York
Macmillan
[1992]
|
| Ausgabe: | sixth edition |
| Schlagwörter: | |
| Links: | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=028444289&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| Umfang: | xiv, 654 pages Diagramme 25 cm |
| ISBN: | 0023052503 9780023052507 |
Internformat
MARC
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| 100 | 1 | |a Bailard, Thomas E. |e Verfasser |0 (DE-588)154822868 |4 aut | |
| 245 | 1 | 0 | |a Personal money management |c Bailard, Biehl & Kaiser |
| 250 | |a sixth edition | ||
| 264 | 1 | |a New York |b Macmillan |c [1992] | |
| 264 | 4 | |c © 1992 | |
| 300 | |a xiv, 654 pages |b Diagramme |c 25 cm | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 650 | 4 | |a Finance, Personal | |
| 650 | 4 | |a Insurance | |
| 650 | 4 | |a Investments | |
| 650 | 4 | |a Finance, personal | |
| 650 | 7 | |a Finance, Personal |2 fast | |
| 650 | 7 | |a Insurance |2 fast | |
| 650 | 7 | |a Investments |2 fast | |
| 650 | 7 | |a Financas privadas |2 larpcal | |
| 650 | 7 | |a Investimentos |2 larpcal | |
| 700 | 1 | |a Biehl, David L. |e Verfasser |0 (DE-588)154822876 |4 aut | |
| 700 | 1 | |a Kaiser, Ronald W. |e Verfasser |0 (DE-588)154822884 |4 aut | |
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| 943 | 1 | |a oai:aleph.bib-bvb.de:BVB01-028444289 | |
Datensatz im Suchindex
| _version_ | 1819308694376022016 |
|---|---|
| adam_text | Contents
Preface 00
PART I GETTING STARTED 1
1 Introduction 3
Where Money Fits In 4
Money Management 6
Motivating Forces 10
You As Money Manager 14
You Are Not Alone: Money and Life Partners 17
The Participants in Your Personal Financial Environment 7 9
Common Economic Terms 23
Using This Book 27
Conclusion · Vocabulary · Case Problems · Recommended Reading ·
Chuck and Nancy Anderson 28
2 Your Career and Income 31
What Causes Differences in 33
The Process of Selecting a Career 38
IX
X
CONTENTS
Finding and Landing a Job 42
Conclusion · Vocabulary · Questions · Case Problems · Recommended
Reading · Chuck and Nancy Anderson 45
3 Your Financial Starting Point 49
Record-Keeping 50
Financial Statements 53
Using Financial Statements 62
The Time Value of Money 67
Conclusion · Vocabulary · Questions · Case Problems · Chuck and
Nancy Anderson 72
4 Budgeting 77
Setting Up a Successful Budget: The Planning Stage 79
Setting Up a Successful Budget: Recording Expenditures 89
Setting Up a Successful Budget: Controlling Expenditures 90
Rethinking the Budget Process 93
Alternative Budgeting Systems 95
Smart Buying and Common Sense 96
The Buying Process 96
Buying an Automobile 98
Buying Major Home Appliances 102
Conclusion · Vocabulary · Questions · Case Problems · Recommended
Reading · Chuck and Nancy Anderson 104
PART II GETTING THE MOST OUT OF YOUR INCOME 111
5 Federal Income Taxes for Individuals 113
Gross Income 114
Deductions 116
Exemptions 119
Credits 121
Tax Computation 121
Withholding 123
Taxes on Capital Gains 126
The Federal Income Tax as a Progressive Tax 127
Common Methods of Tax Reduction 129
The Alternative Minimum Tax 135
Alternatives for Tax Return Preparation 136
Vour Relations with the 1RS 139
Social Security Taxes 141
Those Other Taxes 142
Conclusion · Vocabulary · Questions · Case Problems · Recommended
Reading · Chuck and Nancy Anderson 144
CONTENTS
XI
6 Cash Management 148
What Is Happening 148
How to Get What You Need 151
Financial Transactors 164
Cash Equivalents 167
Deregulation 173
Money Market Mutual Funds 175
U.S. Government Savings Bonds 175
Money Market Mutual Funds 176
Conclusion · Vocabulary · Questions · Case Problems · Recommended
Reading « Chuck and Nancy Anderson 179
7 Consumer Credit 184
The Concept of Credit 185
The Effective Cost of Credit 188
The Purchase Agreement 190
Sources of Credit 194
The Importance of Your Credit Rating 205
To Borrow or Not to Borrow 207
Shopping for a Loan 208
Consumer Credit Legislation 211
Conclusion · Vocabulary · Questions · Case Problems · Recommended
Reading · Chuck and Nancy Anderson 215
8 Housing 219
Your Personal Circumstances 219
To Rent or to Own 220
Your Housing Alternatives 224
Renting 232
Buying Your Home 235
Financing 240
Selling Your Home 248
Conclusion · Vocabulary · Questions · Case Problems · Recommended
Reading · Chuck and Nancy Anderson 251
9 Investment Principles 257
Unearthing Investment Funds 258
Risk and Certainty 260
Income and Growth 269
The Investment Choice: Owning or Lending 272
Characteristics of Investment Types 274
Establishing Investment Goals 277
Eleven-Step Procedure for Planning Investments and
Achieving Goals 278
Conclusion · Vocabulary · Questions · Case Problem · Recommended
Reading · Chuck and Nancy Anderson 282
CONTENTS
XII
PART III PROTECTING WHAT YOU HAVE____________________________________287
10 Comprehensive Liability and Auto Insurance 289
Liability and the Law 290
Liability and You 292
Types of Comprehensive Liability Insurance 294
Types of Automobile Insurance 296
Auto Insurance Rates 303
How to Keep Your Rates Low 306
After an Auto Accident 308
Conclusion · Vocabulary · Questions · Case Problems ·
Recommended Reading · Chuck and Nancy Anderson 311
11 Health Insurance 316
Determining Your Medical Expense Insurance Needs 317
Determining Your Disability Income Needs 326
Group Insurance Plans 331
Coverages You May Already Have 333
Conclusion · Vocabulary · Questions · Case Problems ·
Recommended Reading · Chuck and Nancy Anderson 337
12 Property Insurance 342
What Property Can You Insure? 343
Valuing Your Personal Property for Insurance Purposes 343
Valuing Your Home for Insurance Purposes 345
Types of Insurance Coverage Available 347
Making a Claim 355
Reducing Costs of Property Insurance 356
Conclusion · Vocabulary · Questions · Case Problems ·
Recommended Reading · Chuck and Nancy Anderson 358
13 Life Insurance 361
Who Needs Life Insurance and Why 361
Determining the Right Amount of Life Insurance 362
Decreasing Needs and Increasing Assets 366
Five Basic Variables in Life Insurance Policies 369
Term Insurance 371
Cash Value Insurance 375
Choosing the Right Policy 379
The Life Insurance Contract 383
Policy Riders and Options 385
CONTENTS
XIII
Settlement Options 386
Shopping for Rates 389
Conclusion · Vocabulary · Questions · Case Problems ·
Recommended Reading · Chuck and Nancy Anderson 391
14 Retirement: Your Largest Financial Goal 395
The Importance of Planning 398
Computing Your Total Retirement Needs 398
Packaged Sources of Retirement Income 402
Do-It-Yourself Retirement Plans 409
Achieving Your Retirement Coals 412
Conclusion · Vocabulary · Questions · Case Problem ·
Recommended Reading · Chuck and Nancy Anderson 418
15 Estate Planning 421
Legal Aspects of Estate Transfer 422
Financial Aspects of Estate Transfer 429
Conclusion · Vocabulary · Questions · Case Problem ·
Recommended Reading · Chuck and Nancy Anderson 437
PART IV MAKING THE MOST OF YOUR
INVESTMENTS 441
16 Stocks and Bonds 443
Opportunities in the Securities Markets: A General
Classification 444
Common Stock 444
Preferred Stock 466
Bonds (Long-term Debt) 469
Convertible Bonds and Convertible Preferred Stocks 476
Conclusion · Vocabulary · Questions · Case Problem ·
Recommended Reading · Chuck and Nancy Anderson 477
17 Buying and Selling Stocks 481
Securities Markets 481
Sources of Investment Information 489
Stockbrokers and Brokerage Firms 494
The Condition of the Market: Bulls and Bears 497
The Rise of Synthetic Investment Vehicles 505
The Efficient Market Theory 506
XIV
CONTENTS
Managing Your Portfolio 508
Guidelines for Stock Market Investors 5 7 7
Conclusion · Vocabulary · Questions · Case Problem ·
Recommended Reading · Chuck and Nancy Anderson 511
18 Mutual Funds and Other Professional Management 524
What Is a Mutual Fund? 524
Mutual Funds Classified by Portfolio and Investment
Objective 530
Special Features of Open-End Mutual Funds 536
A Closer Look at Closed-End Funds 54 7
Tax Aspects of Mutual Funds 543
How Do Mutual Funds Rate as an Investment? 543
Guidelines for Buying a Mutual Fund 544
Other Sources of Professional Securities Management 546
Families of Funds 548
Conclusion · Vocabulary · Questions · Case Problem ·
Recommended Reading · Chuck and Nancy Anderson 549
19 Real Estate 554
Why Real Estate? 555
The Components of Real Estate Returns 557
General Areas of Risk in Real Estate Investing 562
Pure Real Estate Investments 565
Making Real Estate Liquid—Liquid Securities 576
Investing in Real Estate Debt 580
Building a Real Estate Portfolio 584
Conclusion · Vocabulary · Questions · Case Problem ·
Recommended Reading · Chuck and Nancy Anderson 585
Consumer Agency Guide 590
How to Qualify for Social Security 596
Instructions for Computing the Effects of Inflation or Rates of
Return on Lump-Sum Investments 603
Instructions for Computing the Effects of Compound Interest
or Deflation on Investments Made at the End of Each
Year 605
Glossary 607
Index 643
|
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| id | DE-604.BV043019458 |
| illustrated | Not Illustrated |
| indexdate | 2024-12-20T17:25:49Z |
| institution | BVB |
| isbn | 0023052503 9780023052507 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-028444289 |
| oclc_num | 958498818 |
| open_access_boolean | |
| owner | DE-473 DE-BY-UBG |
| owner_facet | DE-473 DE-BY-UBG |
| physical | xiv, 654 pages Diagramme 25 cm |
| publishDate | 1992 |
| publishDateSearch | 1992 |
| publishDateSort | 1992 |
| publisher | Macmillan |
| record_format | marc |
| spellingShingle | Bailard, Thomas E. Biehl, David L. Kaiser, Ronald W. Personal money management Finance, Personal Insurance Investments Finance, personal Finance, Personal fast Insurance fast Investments fast Financas privadas larpcal Investimentos larpcal |
| title | Personal money management |
| title_auth | Personal money management |
| title_exact_search | Personal money management |
| title_full | Personal money management Bailard, Biehl & Kaiser |
| title_fullStr | Personal money management Bailard, Biehl & Kaiser |
| title_full_unstemmed | Personal money management Bailard, Biehl & Kaiser |
| title_short | Personal money management |
| title_sort | personal money management |
| topic | Finance, Personal Insurance Investments Finance, personal Finance, Personal fast Insurance fast Investments fast Financas privadas larpcal Investimentos larpcal |
| topic_facet | Finance, Personal Insurance Investments Finance, personal Financas privadas Investimentos |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=028444289&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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