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Table Of Contents

salaries and Wages
net Worth of individuals
other income
Capital gains
personal income Tax Laws and Tax rates
allowable deductions
Tax reporting
personal Bankruptcy
risk protection
amount of savings
savings Vehicles
savings for retirement
social security
pensions: defned (or guaranteed) Beneft
defned Contributions vs. defned Beneft retirement Funds
individual retirement accounts (iras)
annuities
deferred income Contracts
Contractual savings
insurance
Medical insurance
auto insurance
Homeowner’s (renter’s) insurance
general Liability insurance
overinsuring or underinsuring
Long-Term disability insurance
Life insurance
Conclusion
estate planning
present Value Factors
debt Leverage: For individuals
appendix a
appendix B
Loans among individuals
High-Cost personal Borrowing
automobile Loans
installment Loans
Home Mortgages
government involvement in the Mortgage Market
nonconventional Mortgages
Cosigning on individual Borrowing
Corporations: The dominant Form of organization
Corporate net Worth
Corporate income Taxes
Valuation
Commercial Banks: a special Corporate Case
debt Leverage: Corporations
Bank Leverage
Corporate Borrowing
short-Term Borrowing
Term Loans
Floating and Fixed interest rates
selling Bonds in the public Market
Mortgages and Leases
personal guarantees
Mergers and acquisitions
Corporate Bankruptcy
Trading in Credit Markets
Credit Quality and Bond ratings
interaction of price and Yield
government Borrowing
Yield (interest) Curves
Complex Bonds
investment Banks
equity – Common stock
Trading Common stocks
Comparing equity Market prices
price/earnings ratios
Yield
Total Market Capitalization
selling newly issued Common stock
The role of the securities and exchange Commission (seC)
initial public offerings: ipos
subsequent equity Financings
The underwriter’s role
private vs. public Corporations
repurchase of outstanding Common stock
stock exchanges: physical and electronic
The Venture Capital Market
postscript: preferred stock; Convertible stocks and Bonds
Long/short investing
put and Call options
rapid (“day”) Trading
Mutual Funds
Money-Market Funds
“Load”/“no-Load” Funds
Limited-partnership pools of private Capital
real estate investing
postscript: derivatives
pay down debt: an assured return
diversifcation
risk Tolerance
infation
nominal vs. real returns
Loss of Capital and/or income
Volatility
Beta and alpha
use of Margin
selling Well
dollar-Cost averaging
“sell Winners, Hold Losers”
“Buy Low/sell High” or “Buy High/sell Low”
assistance for the investor
Brokers
Comparing investment returns
income Tax Considerations
some Concluding Thoughts
index
P. 1
You and Your Money

You and Your Money

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Published by Xlibris
This book addresses the very many considerations people face in handling their income and savings, investing, borrowing, protecting against risks, and tax planning.

Somewhat surprisingly, our educational system, at the high school level and beyond, rarely addresses this myriad of issues—both problems and opportunities—that can be categorized as personal finances. Our schools lecture ceaselessly about the challenges of drugs, sex, alcohol, smoking, social media, and wellness—and appropriately so, since young people are exposed to endless opportunities to make poor and harmful decisions regarding each of those matters.

But so also are adults at all ages—teenagers to senior citizens—confronted by a host of challenges and opportunities as to how to manage their personal finances—from before they receive their first paychecks and continuing on through retirement and death. As we proceed through high school, college, and even graduate school, we may take courses in accounting, finance, economics, and taxation, all of which offer tidbits of advice on handling our personal finances, but none are comprehensive in addressing personal finance. This book seeks to fill that void.

We are bombarded with information, suggestions, inducements, promises, threats, and political dialogue that relate to our financial well-being. This bombardment comes primarily from individuals and companies that have a stake in getting us to enter into a financial arrangement with them (e.g., banks, lawyers, securities brokers, life-insurance agents, lenders—including auto, appliance, and other retailers—and real estate brokers). Many of these—in fact, most—are subject to some governmental regulations that restrict them from outright lying. But regulators are hard-pressed to fashion requirements that would result in full and unbiased disclosure of benefits, costs, and risks associated with various financial decisions. Sellers of financial products and services will inevitably, and understandably, emphasize benefits more than risks, even as they meet the requirements for disclosure of both.

The result, caveat emptor—buyer beware.
This book addresses the very many considerations people face in handling their income and savings, investing, borrowing, protecting against risks, and tax planning.

Somewhat surprisingly, our educational system, at the high school level and beyond, rarely addresses this myriad of issues—both problems and opportunities—that can be categorized as personal finances. Our schools lecture ceaselessly about the challenges of drugs, sex, alcohol, smoking, social media, and wellness—and appropriately so, since young people are exposed to endless opportunities to make poor and harmful decisions regarding each of those matters.

But so also are adults at all ages—teenagers to senior citizens—confronted by a host of challenges and opportunities as to how to manage their personal finances—from before they receive their first paychecks and continuing on through retirement and death. As we proceed through high school, college, and even graduate school, we may take courses in accounting, finance, economics, and taxation, all of which offer tidbits of advice on handling our personal finances, but none are comprehensive in addressing personal finance. This book seeks to fill that void.

We are bombarded with information, suggestions, inducements, promises, threats, and political dialogue that relate to our financial well-being. This bombardment comes primarily from individuals and companies that have a stake in getting us to enter into a financial arrangement with them (e.g., banks, lawyers, securities brokers, life-insurance agents, lenders—including auto, appliance, and other retailers—and real estate brokers). Many of these—in fact, most—are subject to some governmental regulations that restrict them from outright lying. But regulators are hard-pressed to fashion requirements that would result in full and unbiased disclosure of benefits, costs, and risks associated with various financial decisions. Sellers of financial products and services will inevitably, and understandably, emphasize benefits more than risks, even as they meet the requirements for disclosure of both.

The result, caveat emptor—buyer beware.

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Publish date: Mar 19, 2013
Added to Scribd: Mar 22, 2013
Copyright:Traditional Copyright: All rights reservedISBN:9781479792931
List Price: $3.99 Buy Now

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