PART ONE: Planning Your Personal Finances

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: Resumes, Cover Letters, and Interviews

Chapter 3: Money Management Strategy: Financial Statements and Budgeting

Chapter 4: Planning Your Tax Strategy

PART TWO: Managing Your Personal Finances

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

PART THREE: Making Your Purchasing Decisions

Chapter 8: Consumer Purchasing Strategies and Legal Protection

Chapter 9: The Housing Decision: Factors and Finances

PART FOUR: Insuring Your Resources

Chapter 10: Property and Motor Vehicle Insurance

Chapter 11: Health, Disability, and Long-Term Care Insurance

Chapter 12: Life Insurance

PART FIVE: Investing Your Financial Resources

Chapter 13: Investing Fundamentals

Chapter 14: Investing in Stocks

Chapter 15: Investing in Bonds

Chapter 16: Investing in Mutual Funds

Chapter 17: Investing in Real Estate and Other Investment Alternatives

PART SIX: Controlling Your Financial Future

Chapter 18: Starting Early: Retirement Planning

Chapter 19: Estate Planning

APPENDIXES

Appendix A: Education Financing, Loans, and Scholarships

Appendix B: Financial Planners and Other Information Sources

Appendix C: Consumer Agencies and Organizations

Appendix D: Daily Spending Diary