Personal Financial Planning for Accountants
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1 Personal Financial Planning for Accountants 4 th Edition Distributed by The CPE Store
2 Chapter 1 What You Should Know About Financial Planning... 1 Learning Objectives... 1 Introduction... 1 The Benefits of Financial Planning... 1 How Does Personal Financial Planning Help You?... 1 What are the Objectives of Personal Financial Planning?... 2 The Key Areas in Personal Financial Planning... 2 The Steps in Personal Financial Planning... 2 Common Mistakes Consumers Make when Approaching Financial Planning... 4 Changing Economic Situations and Financial Planning and Decisions... 5 Personal Factors to Consider in Financial Planning... 7 Keeping Records... 8 The Individual Aspects of Personal Financial Planning Considerations in Selecting a Personal Financial Planner Personal Financial Planning Websites Review Questions Review Answers Chapter 2 Time Value Applications Learning Objectives Introduction Time Value of Money Using Future Value Tables in Decision Making Using Present Value Tables in Decision Making Using Financial Calculators and Computer Software Review Questions Review Answers Chapter 3 Personal Financial Statements and Budgeting Learning Objectives Introduction Developing a Financial Statement How Much Are You Worth? Your Assets Your Liabilities Commitments and Contingencies Personal Cash Flow Statement Your Net Savings Some Expense Considerations Looking at Your Debt Level More on Personal Financial Statements Conclusion Review Questions Review Answers Chapter 4 Career Planning and Financial Success Learning Objectives Introduction Career Plans A Career-Planning Checklist Occupational Outlook Handbook (OOH) The Employment Projections Job Hunting and Career Websites Review Questions Review Answers... 52
3 Chapter 5 Planning for College Education Learning Objectives Introduction College Education Financials Financing a College Education Strategies for Funding College Tuition Other Sources Tax Considerations Determining Need Using Future Value Calculations Sources of Financial Aid Conclusion College Planning Websites Review Questions Review Answers Chapter 6 The Return and Risk of Your Investments Learning Objectives Introduction Investing What is Return? Effective Annual Yield Payback Period and Money Doubling Period Different Risks Ways to Reduce Risk Considerations for Risk Quick Test to Measure Investment Risk The Risk-Return Trade-Off Building an Optimal Portfolio Investment Alternatives and the Risk-Return Trade-Off Review Questions Review Answers Chapter 7 Banking and Cash Management Learning Objectives Introduction Banking Selecting a Bank Getting the Most from Your Bank How to Determine the Savings Account Balance for Interest Calculations Investing in Money Market Funds Investing in Certificates of Deposit How to Buy a Treasury Bill Treasury Inflation-Indexed Bond U.S. Savings Bonds U.S. Series I Savings Bond How To Buy Savings Bonds An All-in-One Account or Asset Management Account (AMA) Banking Tools You Can Use Electronic Banking Check Endorsements Review Questions Review Answers Chapter 8 Managing Debt Learning Objectives Introduction Credit Cards Evaluating Credit Cards ii
4 Credit Card Accountability, Responsibility, and Disclosure Act of Where to Get Credit Counseling Fair Credit Reporting The Five Cs of Credit FICO Scores How to Determine Monthly Installment Loan Payments How to Determine the True Cost of Credit Annual Percentage Rate (APR) Paying Off a Loan Early Financing an Automobile Bankruptcy Law Conclusion Debt Management Websites Review Questions Review Answers Chapter 9 How to Reduce the Costs of Living Learning Objectives Introduction Reducing the Cost of Living What Can You Do to Reduce Costs? How to Save Money on Automobile, Boat, or Other Major Acquisitions Other Items Marital Status and Personal Finance Useful Websites Review Questions Review Answers Chapter 10 Where and How You Choose to Live Learning Objectives Introduction Home Ownership Buying vs. Renting a Home What Price to Pay Determining the Monthly Mortgage Payment Shopping for an Adjustable Rate Mortgage Consider Bi-Weekly Mortgage Payments Getting the Most for Your House Conclusion Helpful Websites Review Questions Review Answers Chapter 11 Life, Health, Property, and Liability Insurance Learning Objectives Introduction Insurance Types of Risk Life Insurance Evaluating Disability or Loss-of-Income Insurance Reviewing Medical and Health Insurance Coverage Managed Care Plans Shopping for Long-Term Care Coverage Property, Liability, and Casualty Insurance Types of Homeowner Policies Auto Insurance Selecting Agents and Companies Where to Get Insurance Answers iii
5 Websites for Insurance Companies and Quotation Review Questions Review Answers Chapter 12 Investments and Planning Learning Objectives Introduction Getting Started as an Investor Financial Assets and Real Assets Short-Term and Long-Term Investments Fixed-Dollar and Variable-Dollar Investments Sources of Investment Money Some Investment Considerations Key Questions to Ask Aggressive and Defensive Investment Strategy Marketable and Liquid Investments Investment Objectives Different Scenarios The Impact of Economic and Market Factors Mutual Funds, Index Funds, and ETFs The Cost of Investing Inflation Determining the Appropriate Level of Risk Conclusion Review Questions Review Answers Chapter 13 Investing in Common Stock Learning Objectives Introduction Common Stock The Advantages and Disadvantages of Owning Common Stock What Types of Stocks Are There? Brokers and Orders Stock Splits and Stock Dividends Determining the Return on Common Stock How Do You Value (or Price) Stock? How To Use Beta to Select a Stock The Advantages of Dollar-Cost Averaging Constant-Ratio Plans Stock Valuation Common Stock Valuation The Importance of Stock Volume Numbers Buying a Stock on Margin (Credit) Initial Public Offerings Shorting a Stock Timing the Market Different Stock Strategies Investment Portfolios Diversified Investing Tax Implications of Stock Market Investments Conclusion Websites for Stock Screening Review Questions Review Answers Chapter 14 Fixed-Income Securities Learning Objectives iv
6 Introduction Bonds Terms and Features of Bonds Types of Bonds Selecting Bonds Determining Interest Rate Risk Reading a Bond Quotation Bond Trading Online Calculating Yield (Effective Rate of Return) on a Bond Preferred Stock Other Fixed Income Securities Short-Term Parking Lots Conclusion Websites for Investing Review Questions Review Answers Chapter 15 Investing in Tangibles: Real Estate and Other Real Assets Learning Objectives Introduction Real Estate Investing in Real Estate in an I.D.E.A.L. Situation Disadvantages of Real Estate How to Enhance the Value of Real Estate Types of Real Estate Investments Determining Cash Flow for Real Estate Indirect Real Estate Investments Real Estate Investment Trusts (REITS) Mortgage-Backed Investments Should You Use Leverage When Investing in Real Estate? Investing in Precious Metals Review Questions Review Answers Chapter 16 Funds and Diversification Learning Objectives Introduction Mutual Fund Investing Attributes of Mutual Funds Net Asset Value (NAV) Determination Making Money with a Mutual Fund Total Return on the Mutual Fund Mutual Funds and Expenses Kinds of Mutual Funds Different Investment Programs with Mutual Funds Bond Income Funds Guidelines for Investing in a Bond Fund Tax-Exempt Municipal Bond Funds Unit Investment Trusts Choosing a Mutual Fund Performance Benchmarking Mutual Fund Peer Group Rankings Risk-Reducing Strategies for Investing in Mutual Funds Dollar-Cost Averaging Investing in Index Funds Exchange Traded Funds Money Market Funds Ratings Diversification Is the Key v
7 Beta and Risk and Asset Allocation Conclusion Websites Review Questions Review Answers Chapter 17 Retirement Planning Learning Objectives Introduction Retirement Planning Retirement Checklist Estimating Retirement Needs Online Retirement Planning Pension Plans Company and Individual Retirement Plans Managing for Retirement Traditional Individual Retirement Account (IRA) Roth IRA Putting the IRA to Work Keogh Plans Contribution Limits to Various Retirement Accounts Reverse Mortgages Pension Plans Investing in Target Date Funds for Retirement Annuities Other Options for Risk-Averse Retirees Conclusion Websites Review Questions Review Answers Chapter 18 Estate Planning Learning Objectives Introduction Estate Plans Estate Planning Checklist Taking Stock Wills Elements of a Will Naming a Guardian Naming an Executor Preparing a Will Updating a Will Where to Keep Your Will A Living Will Living Trusts Estate Taxation Estate Planning Team Review Questions Review Answers Glossary Appendix Valuation Tables Index vi
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