Personal Finance 13th Edition Garman Test Bank
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This is completed downloadable of Personal Finance 13th Edition Garman Test Bank
Product Details:
- ISBN-10 : 1337099759
- ISBN-13 : 978-1337099752
- Author:
PERSONAL FINANCE 13E offers a practical, student-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a wide range of financial challenges, enable students to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Thirteenth Edition continues to engage students and focus their attention on critical concepts they need to succeed in class and to manage their finances wisely for a lifetime.
Table of Content:
- Part 1: Financial Planing
- 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
- 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
- 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
- Part 2: Money Management
- Chapter 4: Managing Income Taxes
- 4.1 Progressive Income Taxes and the Marginal Tax Rate
- 4.2 Eight Steps in Calculating Your Income Taxes
- 4.3 Strategies to Reduce Your Income Taxes
- 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
- 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
- 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
- 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
- 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
- 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
- Chapter 11: Planning for Health Care Expenses
- 11.1 The Affordable Care Act and You
- 11.2 Types of Health Care Plans
- 11.3 Your Health Plan Benefits and Limits
- 11.4 Planning for Long-Term Custodial Care
- 11.5 Disability Income Insurance
- 11.6 Advance Directive Documents
- Chapter 12: Life Insurance Planning
- 12.1 How Much Life Insurance Do You Need?
- 12.2 There Are Only Two Types of Life Insurance
- 12.3 Understanding Your Life Insurance Policy
- 12.4 How to Buy Life Insurance
- Part 4: Investments
- Chapter 13: Investment Fundamentals
- 13.1 Starting Your Investment Program
- 13.2 Identify Your Investment Philosophy and Invest Accordingly
- 13.3 Risks and Other Factors Affect the Investor’s Return
- 13.4 Accept the Realities of the Market and Avoid Investing Mistakes
- 13.5 Four Safe and Effective Strategies for Long-Term Investors
- 13.6 Creating Your Own Investment Plan
- Chapter 14: Investing in Stocks and Bonds
- 14.1 The Role of Stocks and Bonds in Investments
- 14.2 How to Evaluate Common Stocks
- 14.3 Use the Internet to Evaluate and Select Stocks
- 14.4 Buying and Selling Stocks
- 14.5 Investing in Bonds
- Chapter 15: Mutual and Exchange Traded Funds
- 15.1 Why Invest in Mutual Funds?
- 15.2 Mutual Fund Objectives
- 15.3 Mutual Fund Investing Fees and Charges
- 15.4 How to Select the Funds in Which You Should Invest
- Chapter 16: Real Estate and High-Risk Investments
- 16.1 How to Make Money Investing in Real Estate
- 16.2 Take Advantage of Beneficial Tax Treatments
- 16.3 Pricing and Financing Real Estate Investments
- 16.4 Disadvantages of Real Estate Investing
- 16.5 Investing in Collectibles, Precious Metals, and Gems
- 16.6 Investing in Options and Commodity Futures Contracts
- Chapter 17: Retirement and Estate Planning
- 17.1 Understanding Your Social Security Retirement Income Benefits
- 17.2 How to Calculate the Amount You Must Save for Retirement in Today’s Dollars
- 17.3 Invest through Employer-Sponsored Retirement Plans
- 17.4 Monte Carlo Retirement Advice for Investors
- 17.5 Achieve Your Retirement Savings Goal through Personally Established Retirement Accounts
- 17.6 Avoid Penalties and Do Not Outlive Your Money
- 17.7 How to Plan for the Distribution of Your Assets
- Appendix A: Present and Future Value Tables
- Appendix B: Estimating Social Security Benefits
- Glossary
- Index
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