Personal Finance 14th Edition – Solutions
Manual
by E. Thomas Garman (Author), Jonathan Fox (Author)
,TABLE OF CONTENTS
Part 1: Financial Planning
Chapter 1: Understanding Personal Finance
1.1 Achieving Personal Financial Success
1.2 The Economy Affects Your Personal Financial Success
1.3 Think Like an Economist When Making Financial Decisions
1.4 Perform Time Value of Money Calculations
1.5 Make Smart Money Decisions at Work
1.6 Where to Seek Expert Financial Advice
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 2: Career Planning
2.1 Developing Your Career Plan
2.2 Financial and Legal Aspects of Employment
2.3 Practice Effective Employment Search Strategies
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 3: Financial Statements, Tools, and Budgets
3.1 Financial Values, Goals, and Strategies
3.2 Financial Statements Measure Your Financial Health and Progress
3.3 Collect and Organize Your Financial Records to Save Time and Money
3.4 Money Topics to Discuss with a Partner
3.5 Reaching Your Goals through Budgeting: Your Spending/Savings Action Plan
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
,Action Involvement Projects
Part 2: Money Management
Chapter 4: Managing Income Taxes
4.1 Progressive Income Taxes and the Marginal Tax Rate
4.2 Seven Steps in Calculating Your Income Taxes
4.3 Strategies to Reduce Your Income Taxes
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 5: Managing Checking and Savings Accounts
5.1 What Is Monetary Asset Management?
5.2 Open Checking and Money Market Accounts
5.3 Establish Ownership of Assets Wisely
5.4 Electronic Money Management
5.5 The Psychology of Money Management
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 6: Building and Maintaining Good Credit
6.1 Advantages and Disadvantages of Using Credit
6.2 Three Ways to Set Your Own Debt Limit
6.3 Obtaining Credit and Building a Good Credit Reputation
6.4 Dealing with Overindebtedness
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 7: Credit Cards and Consumer Loans
7.1 Credit Cards and Other Types of Open-End Credit
7.2 Managing Credit Cards Wisely
7.3 Sources of Consumer Loans
7.4 Installment Loans
7.5 Calculating Interest on Consumer Loans
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
, Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 8: Vehicle and Other Major Purchases
8.1 Before You Buy Do Your Homework
8.2 Comparison Shop to Find the Best Buy
8.3 Negotiate Successfully
8.4 Complain When Appropriate
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 9: Obtaining Affordable Housing
9.1 Should You Rent or Buy Your Home?
9.2 What Does It Cost to Buy a Home?
9.3 The Steps in Home Buying
9.4 Financing a Home
9.5 Selling a Home
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Part 3: Income and Asset Protection
Chapter 10: Managing Property and Liability Risk
10.1 Risk and Risk Management
10.2 Understanding How Insurance Works
10.3 Homeowner's Insurance
10.4 Automobile Insurance
10.5 Buy Specialized Protection for Other Loss Exposures
10.6 How to Collect on Your Property and Liability Losses
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 11: Planning for Health Care Expenses
11.1 The Affordable Care Act and You
11.2 Types of Health Care Plans
Manual
by E. Thomas Garman (Author), Jonathan Fox (Author)
,TABLE OF CONTENTS
Part 1: Financial Planning
Chapter 1: Understanding Personal Finance
1.1 Achieving Personal Financial Success
1.2 The Economy Affects Your Personal Financial Success
1.3 Think Like an Economist When Making Financial Decisions
1.4 Perform Time Value of Money Calculations
1.5 Make Smart Money Decisions at Work
1.6 Where to Seek Expert Financial Advice
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 2: Career Planning
2.1 Developing Your Career Plan
2.2 Financial and Legal Aspects of Employment
2.3 Practice Effective Employment Search Strategies
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 3: Financial Statements, Tools, and Budgets
3.1 Financial Values, Goals, and Strategies
3.2 Financial Statements Measure Your Financial Health and Progress
3.3 Collect and Organize Your Financial Records to Save Time and Money
3.4 Money Topics to Discuss with a Partner
3.5 Reaching Your Goals through Budgeting: Your Spending/Savings Action Plan
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
,Action Involvement Projects
Part 2: Money Management
Chapter 4: Managing Income Taxes
4.1 Progressive Income Taxes and the Marginal Tax Rate
4.2 Seven Steps in Calculating Your Income Taxes
4.3 Strategies to Reduce Your Income Taxes
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 5: Managing Checking and Savings Accounts
5.1 What Is Monetary Asset Management?
5.2 Open Checking and Money Market Accounts
5.3 Establish Ownership of Assets Wisely
5.4 Electronic Money Management
5.5 The Psychology of Money Management
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 6: Building and Maintaining Good Credit
6.1 Advantages and Disadvantages of Using Credit
6.2 Three Ways to Set Your Own Debt Limit
6.3 Obtaining Credit and Building a Good Credit Reputation
6.4 Dealing with Overindebtedness
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 7: Credit Cards and Consumer Loans
7.1 Credit Cards and Other Types of Open-End Credit
7.2 Managing Credit Cards Wisely
7.3 Sources of Consumer Loans
7.4 Installment Loans
7.5 Calculating Interest on Consumer Loans
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
, Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 8: Vehicle and Other Major Purchases
8.1 Before You Buy Do Your Homework
8.2 Comparison Shop to Find the Best Buy
8.3 Negotiate Successfully
8.4 Complain When Appropriate
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 9: Obtaining Affordable Housing
9.1 Should You Rent or Buy Your Home?
9.2 What Does It Cost to Buy a Home?
9.3 The Steps in Home Buying
9.4 Financing a Home
9.5 Selling a Home
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Part 3: Income and Asset Protection
Chapter 10: Managing Property and Liability Risk
10.1 Risk and Risk Management
10.2 Understanding How Insurance Works
10.3 Homeowner's Insurance
10.4 Automobile Insurance
10.5 Buy Specialized Protection for Other Loss Exposures
10.6 How to Collect on Your Property and Liability Losses
Summary of Learning Objectives Recapped
Let's Talk about It
Do the Math
Financial Planning Cases
Be Your Own Personal Financial Manager
On the Net
Action Involvement Projects
Chapter 11: Planning for Health Care Expenses
11.1 The Affordable Care Act and You
11.2 Types of Health Care Plans
