{"product_id":"introduction-to-personal-finance-9781119797067","title":"Introduction to Personal Finance","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003e1 Beginning Your Financial Journey: The Interior Finance Point of View 1-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eYour Starting Point 1-2\u003c\/p\u003e \u003cp\u003e1.1 Your Journey to Financial Well-Being 1-4\u003c\/p\u003e \u003cp\u003eYour Internal View of the Financial World 1-4\u003c\/p\u003e \u003cp\u003eLaunching Your Lifetime Financial Journey 1-5\u003c\/p\u003e \u003cp\u003eThe Journey to Financial Well-Being 1-7\u003c\/p\u003e \u003cp\u003e1.2 Human Capital: An Essential Element of Financial Well-Being 1-11\u003c\/p\u003e \u003cp\u003eHuman Capital 1-11\u003c\/p\u003e \u003cp\u003eSocial Capital 1-14\u003c\/p\u003e \u003cp\u003eThe Impact of a Pandemic on Human and Social Capital 1-15\u003c\/p\u003e \u003cp\u003eThe College Payoff 1-16\u003c\/p\u003e \u003cp\u003e1.3 Financial Risk Tolerance and Financial Goal Achievement 1-21\u003c\/p\u003e \u003cp\u003eFinancial Risk Tolerance 1-21\u003c\/p\u003e \u003cp\u003eFinancial Risk Tolerance and Wealth Accumulation 1-22\u003c\/p\u003e \u003cp\u003eRisk Perception and Risk Preference 1-23\u003c\/p\u003e \u003cp\u003e1.4 Financial Goals and Time Perspective 1-27\u003c\/p\u003e \u003cp\u003eSetting SMART Financial Goals 1-27\u003c\/p\u003e \u003cp\u003eThinking About Time 1-29\u003c\/p\u003e \u003cp\u003eMaintaining Commitment to Your Goals 1-31\u003c\/p\u003e \u003cp\u003e1.5 Psychology and Financial Well-Being 1-35\u003c\/p\u003e \u003cp\u003eProcrastination 1-35\u003c\/p\u003e \u003cp\u003eHeuristics 1-37\u003c\/p\u003e \u003cp\u003eUsing Heuristics as a Decision-Making Tool 1-40\u003c\/p\u003e \u003cp\u003e\u003cb\u003e2 Tools for Your Financial Journey 2-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat’s in Your Financial Toolbox? 2-2\u003c\/p\u003e \u003cp\u003e2.1 The Power of Compound Growth 2-3\u003c\/p\u003e \u003cp\u003eOverview of Interest 2-3\u003c\/p\u003e \u003cp\u003eCompound Growth 2-4\u003c\/p\u003e \u003cp\u003eAPR and APY Formulas 2-6\u003c\/p\u003e \u003cp\u003eConsider Interest Strategically 2-7\u003c\/p\u003e \u003cp\u003e2.2 Overview of Time Value of Money 2-11\u003c\/p\u003e \u003cp\u003eUnderstanding the Time Value of Money (TVM) 2-11\u003c\/p\u003e \u003cp\u003eThe Basic TVM Concepts 2-11\u003c\/p\u003e \u003cp\u003eA TVM Shortcut: The Rule of 72 2-15\u003c\/p\u003e \u003cp\u003e2.3 Time Value of Money Calculations 2-18\u003c\/p\u003e \u003cp\u003eMethods for Solving TVM Problems 2-18\u003c\/p\u003e \u003cp\u003eSolving TVM Problems 2-18\u003c\/p\u003e \u003cp\u003eOther TVM Calculations 2-25\u003c\/p\u003e \u003cp\u003e2.4 Your Starting Point: The Balance Sheet 2-29\u003c\/p\u003e \u003cp\u003eDetermining Your Net Worth 2-29\u003c\/p\u003e \u003cp\u003eThe Importance of Net Worth 2-33\u003c\/p\u003e \u003cp\u003eFinancial Ratios: Guideposts Along Your Financial Journey 2-33\u003c\/p\u003e \u003cp\u003e2.5 The Personal Budget 2-37\u003c\/p\u003e \u003cp\u003eThe Five Steps of Resource Management 2-37\u003c\/p\u003e \u003cp\u003eThe Budget 2-38\u003c\/p\u003e \u003cp\u003eFinancial Ratios 2-41\u003c\/p\u003e \u003cp\u003eThe Value of Tracking Expenses 2-43\u003c\/p\u003e \u003cp\u003e2.6 Your Financial Plan 2-46\u003c\/p\u003e \u003cp\u003eOverview of a Financial Plan 2-46\u003c\/p\u003e \u003cp\u003eCreating a Financial Plan: The Six Steps 2-47\u003c\/p\u003e \u003cp\u003eDetermining Your Financial Score 2-48\u003c\/p\u003e \u003cp\u003e\u003cb\u003e3 Earnings and Income: The Building Blocks of Your Financial Journey 3-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Real Cost of Summer Vacations 3-2\u003c\/p\u003e \u003cp\u003e3.1 Income: Produce More Than You Spend 3-3\u003c\/p\u003e \u003cp\u003eCreating Wealth 3-3\u003c\/p\u003e \u003cp\u003eSaving Your Income Surplus 3-5\u003c\/p\u003e \u003cp\u003eEscaping the Perils of Debt 3-7\u003c\/p\u003e \u003cp\u003e3.2 Employment Earnings 3-11\u003c\/p\u003e \u003cp\u003eOverview of Earnings 3-11\u003c\/p\u003e \u003cp\u003eWho Makes More Money? 3-14\u003c\/p\u003e \u003cp\u003e3.3 Self-Employment Income 3-18\u003c\/p\u003e \u003cp\u003eOverview of Self-Employment 3-18\u003c\/p\u003e \u003cp\u003eThe Pros and Cons of Self-Employment 3-19\u003c\/p\u003e \u003cp\u003eBusiness Structures 3-21\u003c\/p\u003e \u003cp\u003e3.4 Investment Income 3-25\u003c\/p\u003e \u003cp\u003eEarned Income Versus Unearned Income 3-25\u003c\/p\u003e \u003cp\u003eInterest and Dividends 3-26\u003c\/p\u003e \u003cp\u003eWealth over the Life Span 3-30\u003c\/p\u003e \u003cp\u003e3.5 Capital Gains Income 3-33\u003c\/p\u003e \u003cp\u003eOverview of Capital Gains 3-33\u003c\/p\u003e \u003cp\u003eHow to Achieve Capital Gains 3-35\u003c\/p\u003e \u003cp\u003e3.6 Government Benefits: The Safety Net for Income 3-39\u003c\/p\u003e \u003cp\u003eGovernment Financial Assistance 3-39\u003c\/p\u003e \u003cp\u003eOther Sources of Assistance 3-42\u003c\/p\u003e \u003cp\u003eSocial Security 3-43\u003c\/p\u003e \u003cp\u003e\u003cb\u003e4 Personal Taxation 4-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Inescapable Reality of Taxation 4-1\u003c\/p\u003e \u003cp\u003e4.1 Understanding Your Taxes 4-3\u003c\/p\u003e \u003cp\u003eTypes of Taxes 4-3\u003c\/p\u003e \u003cp\u003eForms of Taxation 4-7\u003c\/p\u003e \u003cp\u003eTaxes and the Government 4-8\u003c\/p\u003e \u003cp\u003e4.2 Federal Income Tax Base 4-13\u003c\/p\u003e \u003cp\u003eOverview of Federal Income Tax Returns 4-13\u003c\/p\u003e \u003cp\u003eEntering Personal Information 4-16\u003c\/p\u003e \u003cp\u003eCalculating Total Income 4-21\u003c\/p\u003e \u003cp\u003e4.3 Federal Income Tax Rates 4-27\u003c\/p\u003e \u003cp\u003eFederal Income Tax Brackets and Marginal Tax Rates 4-27\u003c\/p\u003e \u003cp\u003eCapital Assets and Tax Rates 4-30\u003c\/p\u003e \u003cp\u003eEffective Tax Rates 4-31\u003c\/p\u003e \u003cp\u003e4.4 Federal Income Tax Credits 4-34\u003c\/p\u003e \u003cp\u003eUnderstanding Tax Credits 4-34\u003c\/p\u003e \u003cp\u003eCommon Federal Income Tax Credits 4-35\u003c\/p\u003e \u003cp\u003eImportance of Filing a Tax Return 4-40\u003c\/p\u003e \u003cp\u003e4.5 Federal Self-Employment Taxes 4-43\u003c\/p\u003e \u003cp\u003eEmployee Versus Self-Employment Taxes 4-43\u003c\/p\u003e \u003cp\u003eCalculating Self-Employment Taxes 4-46\u003c\/p\u003e \u003cp\u003e4.6 Income Tax-Planning Strategies 4-51\u003c\/p\u003e \u003cp\u003eLowering Your Tax Base 4-51\u003c\/p\u003e \u003cp\u003eTax-Exempt Income 4-53\u003c\/p\u003e \u003cp\u003eImportance of Tax Knowledge and Organization 4-54\u003c\/p\u003e \u003cp\u003e\u003cb\u003e5 Checking Accounts, Credit Scores, and Credit Cards 5-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCredit Cards: Tools or Trouble? 5-1\u003c\/p\u003e \u003cp\u003e5.1 Checking Accounts: The Basics 5-3\u003c\/p\u003e \u003cp\u003eOverview of Checks 5-3\u003c\/p\u003e \u003cp\u003eOpening and Using a Checking Account 5-4\u003c\/p\u003e \u003cp\u003eKnow Before You Spend 5-6\u003c\/p\u003e \u003cp\u003e5.2 Debit and Prepaid Cards and Electronic Transfers 5-12\u003c\/p\u003e \u003cp\u003ePurchases and Transactions 5-12\u003c\/p\u003e \u003cp\u003eElectronic Payment Methods 5-13\u003c\/p\u003e \u003cp\u003eHybrid Payment Methods 5-14\u003c\/p\u003e \u003cp\u003eChoosing the Best Payment Method 5-16\u003c\/p\u003e \u003cp\u003e5.3 Costs of Borrowing 5-19\u003c\/p\u003e \u003cp\u003eOverview of Loans 5-19\u003c\/p\u003e \u003cp\u003eLoans and Collateral 5-19\u003c\/p\u003e \u003cp\u003eChoosing the Right Loan 5-22\u003c\/p\u003e \u003cp\u003eCalculating Interest 5-23\u003c\/p\u003e \u003cp\u003e5.4 Credit Reports 5-28\u003c\/p\u003e \u003cp\u003eWhat Is a Credit Report? 5-28\u003c\/p\u003e \u003cp\u003eContents and Accessibility of a Credit Report 5-30\u003c\/p\u003e \u003cp\u003eAnalyzing Your Credit Report 5-31\u003c\/p\u003e \u003cp\u003e5.5 Credit Scores 5-35\u003c\/p\u003e \u003cp\u003eThe Purpose of Credit Scores 5-35\u003c\/p\u003e \u003cp\u003eDeveloping Credit Scores 5-36\u003c\/p\u003e \u003cp\u003eHow Credit Scores Are Used and Updated 5-39\u003c\/p\u003e \u003cp\u003e5.6 Credit Cards 5-43\u003c\/p\u003e \u003cp\u003eCharacteristics of Credit Cards 5-43\u003c\/p\u003e \u003cp\u003eCredit Card Payments 5-46\u003c\/p\u003e \u003cp\u003eQualifying for a Credit Card 5-47\u003c\/p\u003e \u003cp\u003e\u003cb\u003e6 Loans and Housing Decisions 6-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePaying for College: The Facts 6-2\u003c\/p\u003e \u003cp\u003e6.1 High-Cost Consumer Loans 6-3\u003c\/p\u003e \u003cp\u003eAlternative Financial System Loans 6-3\u003c\/p\u003e \u003cp\u003ePros and Cons of Alternative Loans 6-5\u003c\/p\u003e \u003cp\u003eHow to Avoid Expensive Loans 6-7\u003c\/p\u003e \u003cp\u003e6.2 Personal Loans 6-10\u003c\/p\u003e \u003cp\u003eImportance of Personal Loans 6-10\u003c\/p\u003e \u003cp\u003eTypes of Personal Loans 6-11\u003c\/p\u003e \u003cp\u003e6.3 Financial Aid and Student Loans 6-17\u003c\/p\u003e \u003cp\u003eThe Process of Obtaining Federal Financial Aid 6-17\u003c\/p\u003e \u003cp\u003eFederal Student Loans 6-18\u003c\/p\u003e \u003cp\u003eFinancial Aid in Practice 6-19\u003c\/p\u003e \u003cp\u003e6.4 Approaches to College Education Funding 6-25\u003c\/p\u003e \u003cp\u003eCalculating the Costs and Benefits of a College Education 6-25\u003c\/p\u003e \u003cp\u003eSaving for College 6-28\u003c\/p\u003e \u003cp\u003eOther Ways to Help Pay for College Expenses 6-32\u003c\/p\u003e \u003cp\u003e6.5 Auto Loans 6-36\u003c\/p\u003e \u003cp\u003eThe Value of an Automobile 6-36\u003c\/p\u003e \u003cp\u003eSteps in Purchasing an Automobile 6-37\u003c\/p\u003e \u003cp\u003eBuying Versus Leasing 6-40\u003c\/p\u003e \u003cp\u003e6.6 Housing: The Basics of Renting 6-44\u003c\/p\u003e \u003cp\u003eRenting Versus Buying 6-44\u003c\/p\u003e \u003cp\u003eFinding a Rental 6-45\u003c\/p\u003e \u003cp\u003eThe Rental Lease 6-47\u003c\/p\u003e \u003cp\u003eTenant Rights 6-49\u003c\/p\u003e \u003cp\u003e6.7 Buying a Home 6-53\u003c\/p\u003e \u003cp\u003eOwning a Home 6-53\u003c\/p\u003e \u003cp\u003eShopping for a Mortgage 6-56\u003c\/p\u003e \u003cp\u003eMaximizing Housing Wealth 6-59\u003c\/p\u003e \u003cp\u003e\u003cb\u003e7 The Foundation of Savings 7-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat’s in Your Account? 7-1\u003c\/p\u003e \u003cp\u003e7.1 Risks, Returns, and the Investment Pyramid 7-3\u003c\/p\u003e \u003cp\u003eRisk Defined 7-3\u003c\/p\u003e \u003cp\u003eSaving and Investing: An Introduction 7-6\u003c\/p\u003e \u003cp\u003eThe Investment Pyramid 7-7\u003c\/p\u003e \u003cp\u003e7.2 Building and Maintaining an Emergency Fund 7-12\u003c\/p\u003e \u003cp\u003eOverview of Emergency Funds 7-12\u003c\/p\u003e \u003cp\u003eCreating Your Own Emergency Fund 7-13\u003c\/p\u003e \u003cp\u003eThe Risks of Going Without an Emergency Fund 7-15\u003c\/p\u003e \u003cp\u003e7.3 Savings Accounts 7-19\u003c\/p\u003e \u003cp\u003eOverview of Savings 7-19\u003c\/p\u003e \u003cp\u003eMotivating Yourself to Save 7-19\u003c\/p\u003e \u003cp\u003eWhere to Save Your Money 7-21\u003c\/p\u003e \u003cp\u003eSafe Assets for an Emergency Fund and Short-Term Savings 7-21\u003c\/p\u003e \u003cp\u003e7.4 Using Roth IRAs Effectively 7-28\u003c\/p\u003e \u003cp\u003eOverview of Roth IRAs 7-28\u003c\/p\u003e \u003cp\u003eRoth IRA Withdrawals 7-29\u003c\/p\u003e \u003cp\u003eOpening, Funding, and Using Your Roth IRA 7-31\u003c\/p\u003e \u003cp\u003e7.5 U.S. Savings Bonds 7-36\u003c\/p\u003e \u003cp\u003eOverview of U.S. Savings Bonds 7-36\u003c\/p\u003e \u003cp\u003eTypes of U.S. Savings Bonds 7-37\u003c\/p\u003e \u003cp\u003ePurchasing and Redeeming U.S. Savings Bonds 7-38\u003c\/p\u003e \u003cp\u003eThe Long-Term Value of U.S. Savings Bonds 7-39\u003c\/p\u003e \u003cp\u003e7.6 Custodial Accounts and Asset Ownership for Minors 7-43\u003c\/p\u003e \u003cp\u003eProperty Ownership as a Minor 7-43\u003c\/p\u003e \u003cp\u003eFinancial Benefits of Transferring Assets to Minors 7-45\u003c\/p\u003e \u003cp\u003eOther Beneficiary Accounts 7-46\u003c\/p\u003e \u003cp\u003e7.7 Financial Frauds and Identity Theft 7-49\u003c\/p\u003e \u003cp\u003eFinancial Frauds 7-49\u003c\/p\u003e \u003cp\u003eProtecting Yourself from Financial Fraud 7-51\u003c\/p\u003e \u003cp\u003eIdentity Theft 7-52\u003c\/p\u003e \u003cp\u003e\u003cb\u003e8 Investments 8-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eInvestment Highs and Lows 8-1\u003c\/p\u003e \u003cp\u003e8.1 Stocks: An Introduction 8-4\u003c\/p\u003e \u003cp\u003eOverview of Stock 8-4\u003c\/p\u003e \u003cp\u003eWhy Buy Stock? 8-6\u003c\/p\u003e \u003cp\u003eUsing Stocks to Create Wealth 8-7\u003c\/p\u003e \u003cp\u003e8.2 Stocks: Valuation and Ownership 8-12\u003c\/p\u003e \u003cp\u003eStock Ownership 8-12\u003c\/p\u003e \u003cp\u003eValuing Stocks 8-13\u003c\/p\u003e \u003cp\u003eApplying Knowledge and Intuition 8-16\u003c\/p\u003e \u003cp\u003e8.3 Bonds: An Introduction 8-20\u003c\/p\u003e \u003cp\u003eOverview of Bonds 8-20\u003c\/p\u003e \u003cp\u003eTypes of Bonds 8-23\u003c\/p\u003e \u003cp\u003eInvesting in Bonds 8-24\u003c\/p\u003e \u003cp\u003e8.4 Mutual Funds 8-31\u003c\/p\u003e \u003cp\u003eOverview of Mutual Funds 8-31\u003c\/p\u003e \u003cp\u003eMutual Fund Management 8-32\u003c\/p\u003e \u003cp\u003ePurchasing Mutual Funds 8-35\u003c\/p\u003e \u003cp\u003e8.5 Exchange-Traded Funds 8-41\u003c\/p\u003e \u003cp\u003eLimitations of Mutual Funds 8-41\u003c\/p\u003e \u003cp\u003eOverview of Exchange-Traded Funds 8-42\u003c\/p\u003e \u003cp\u003eWhy Use an ETF? 8-43\u003c\/p\u003e \u003cp\u003e8.6 Domestic Versus Foreign Investments 8-48\u003c\/p\u003e \u003cp\u003eOverview of Foreign Investments 8-48\u003c\/p\u003e \u003cp\u003eWhy Foreign Investments? 8-49\u003c\/p\u003e \u003cp\u003eBuying Foreign Investments 8-50\u003c\/p\u003e \u003cp\u003e8.7 Risks, Returns, and Investment Portfolios 8-54\u003c\/p\u003e \u003cp\u003eThe Three Rules of Risks 8-54\u003c\/p\u003e \u003cp\u003eRisk Tolerance and Your Portfolio 8-56\u003c\/p\u003e \u003cp\u003eRisks and Returns Revisited: Volatility and Inflation 8-59\u003c\/p\u003e \u003cp\u003e8.8 Brokerage Accounts 8-63\u003c\/p\u003e \u003cp\u003eOverview of Brokerage Accounts 8-63\u003c\/p\u003e \u003cp\u003ePlacing Orders 8-65\u003c\/p\u003e \u003cp\u003eReading a Brokerage Statement 8-67\u003c\/p\u003e \u003cp\u003e8.9 Investing in Real Estate 8-70\u003c\/p\u003e \u003cp\u003eOverview of Real Estate 8-70\u003c\/p\u003e \u003cp\u003eReal Estate Investment Trusts 8-72\u003c\/p\u003e \u003cp\u003eReal Estate Risks 8-73\u003c\/p\u003e \u003cp\u003e8.10 Investing Alternatives: Collectibles, Auctions, and Other Techniques 8-78\u003c\/p\u003e \u003cp\u003eOverview of Collectibles 8-78\u003c\/p\u003e \u003cp\u003eCollectible Dealers 8-79\u003c\/p\u003e \u003cp\u003eMarket Equilibrium 8-81\u003c\/p\u003e \u003cp\u003e8.11 Protecting Your Investments 8-86\u003c\/p\u003e \u003cp\u003eProtecting Yourself as an Investor 8-86\u003c\/p\u003e \u003cp\u003eA Cautionary Tale 8-87\u003c\/p\u003e \u003cp\u003eWorking with a Financial Advisor 8-89\u003c\/p\u003e \u003cp\u003e\u003cb\u003e9 Risk Management: The Role of Insurance 9-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRisky Behavior? 9-2\u003c\/p\u003e \u003cp\u003e9.1 Insurance: What It Is and Why You Need It 9-4\u003c\/p\u003e \u003cp\u003eHuman Capital and Health 9-4\u003c\/p\u003e \u003cp\u003eThe Risk Matrix and Health 9-4\u003c\/p\u003e \u003cp\u003eProtecting Your Health 9-5\u003c\/p\u003e \u003cp\u003eOverview of Insurance Companies 9-7\u003c\/p\u003e \u003cp\u003e9.2 Health Insurance 9-11\u003c\/p\u003e \u003cp\u003eOverview of Health Care 9-11\u003c\/p\u003e \u003cp\u003eHealth Insurance Costs 9-12\u003c\/p\u003e \u003cp\u003eTypes of Health Insurance Policies 9-15\u003c\/p\u003e \u003cp\u003eObtaining Health Insurance 9-17\u003c\/p\u003e \u003cp\u003e9.3 Disability Insurance: Protecting Your Income from Life’s Unexpected Events 9-22\u003c\/p\u003e \u003cp\u003eOverview of Disability 9-22\u003c\/p\u003e \u003cp\u003eDisability Insurance 9-24\u003c\/p\u003e \u003cp\u003eDisability Insurance Costs 9-25\u003c\/p\u003e \u003cp\u003e9.4 Life Insurance: Do You Really Need It? 9-29\u003c\/p\u003e \u003cp\u003eThe Basics of Life Insurance 9-29\u003c\/p\u003e \u003cp\u003eTypes of Life Insurance 9-29\u003c\/p\u003e \u003cp\u003eDo You Need Life Insurance? 9-32\u003c\/p\u003e \u003cp\u003e9.5 Automobile Insurance 9-37\u003c\/p\u003e \u003cp\u003eOverview of Automobile Insurance 9-37\u003c\/p\u003e \u003cp\u003eLiability Coverage 9-41\u003c\/p\u003e \u003cp\u003eCar Accidents: What to Do and Not Do 9-44\u003c\/p\u003e \u003cp\u003e9.6 Homeowner’s and Renter’s Insurance: Protecting Your Personal Belongings 9-47\u003c\/p\u003e \u003cp\u003eInsurance and Risks 9-47\u003c\/p\u003e \u003cp\u003eHomeowner’s Insurance 9-49\u003c\/p\u003e \u003cp\u003eRenter’s Insurance 9-51\u003c\/p\u003e \u003cp\u003e9.7 Long-Term Care Insurance 9-56\u003c\/p\u003e \u003cp\u003eOverview of Long-Term Care Insurance 9-56\u003c\/p\u003e \u003cp\u003eWho Needs Long-Term Care Insurance? 9-58\u003c\/p\u003e \u003cp\u003eMedicare and Medicaid 9-59\u003c\/p\u003e \u003cp\u003eBecoming a Help Provider 9-60\u003c\/p\u003e \u003cp\u003e\u003cb\u003e10 Planning for the Future: Retirement and Estate Planning 10-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTaking Charge of Your Long-Term Future 10-2\u003c\/p\u003e \u003cp\u003e10.1 Planning for Your Retirement 10-4\u003c\/p\u003e \u003cp\u003eOverview of Retirement Planning 10-4\u003c\/p\u003e \u003cp\u003eEstimating Your Financial Retirement Needs 10-5\u003c\/p\u003e \u003cp\u003eSaving for Retirement 10-7\u003c\/p\u003e \u003cp\u003eGetting Your Employer’s Help: Matching Contributions 10-8\u003c\/p\u003e \u003cp\u003e10.2 Individual Retirement Accounts (IRAs) 10-14\u003c\/p\u003e \u003cp\u003eOverview of IRAs 10-14\u003c\/p\u003e \u003cp\u003eIRA Contributions 10-18\u003c\/p\u003e \u003cp\u003eIRAs and Your Overall Retirement Plan 10-20\u003c\/p\u003e \u003cp\u003e10.3 Property Ownership and Trusts 10-25\u003c\/p\u003e \u003cp\u003eTitles and Transfers of Property 10-25\u003c\/p\u003e \u003cp\u003eTrusts 10-27\u003c\/p\u003e \u003cp\u003eGifts and Inheritances 10-28\u003c\/p\u003e \u003cp\u003e10.4 Wills: A Fundamental Estate Planning Tool 10-32\u003c\/p\u003e \u003cp\u003eTransferring Property After Death 10-32\u003c\/p\u003e \u003cp\u003eWills 10-33\u003c\/p\u003e \u003cp\u003eCreating a Will 10-35\u003c\/p\u003e \u003cp\u003e10.5 Living Wills and Powers of Attorney 10-40\u003c\/p\u003e \u003cp\u003eOverview of Living Wills 10-40\u003c\/p\u003e \u003cp\u003eOther Medical Documents 10-42\u003c\/p\u003e \u003cp\u003ePower of Attorney 10-43\u003c\/p\u003e \u003cp\u003e10.6 Obtaining Help from Financial Professionals 10-47\u003c\/p\u003e \u003cp\u003eOverview of the Financial Professional Marketplace 10-47\u003c\/p\u003e \u003cp\u003eFinancial Help: Two Approaches 10-48\u003c\/p\u003e \u003cp\u003eNavigating the Financial Advice Marketplace 10-49\u003c\/p\u003e \u003cp\u003eGlossary G-1\u003c\/p\u003e \u003cp\u003eIndex I-1\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49528864768343,"sku":"9781119797067","price":135.8,"currency_code":"GBP","in_stock":false}],"url":"https:\/\/bookcurl.com\/products\/introduction-to-personal-finance-9781119797067","provider":"Book Curl","version":"1.0","type":"link"}