Real World Personal Finance

Real World Personal Finance

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Personal Finance for the Real World teaches the basics of personal finance by involving the reader in various financial exercises and eventually constructing a personal financial plan. Users not only track their spending for a month, but also set personal financial goals and incorporate them into a realistic budget. This book also teaches time-value of money calculations, which enable readers to calculate their necessary monthly savings in order to reach targeted investment goals. This book conducts a thorough review of credit, complete with strategies to pay off credit card and other forms of debt. It features discussions on student debt as well, with particular attention to appropriate pay-down strategies and the financial payoffs to different academic majors. Personal Finance for the Real World immerses users in real and purposeful financial activities, while teaching personal finance vocabulary and encouraging readers to take seriously the financial side of their lives.
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Product details

  • Paperback | 188 pages
  • 150 x 226 x 14mm | 280g
  • Lanham, MD, United States
  • English
  • 17 Tables, unspecified; 10 Halftones, black and white; 9 Illustrations, black and white
  • 0739188763
  • 9780739188767

Table of contents

Chapter 1 Introduction to Personal Finance Chapter 2 Understanding the Personal Financial Investment Problem Chapter 3 How to Calculate Present and Future Values Chapter 4 Financial Goal Setting Chapter 5 Tracking Spending Chapter 6 Pre-Investment Steps Chapter 7 Basic Types of Financial Assets Chapter 8 The Basic Language of Investing Chapter 9 Factors that Affect Financial Returns Chapter 10 Stocks Chapter 11 Bonds Chapter 12 Mutual Funds Chapter 13 Portfolio Design Chapter 14 Three Example Investment Problems Chapter 15 Survey of Retirement Savings Plans Chapter 16 Action Plan Chapter 17 College Choices and Federal Student Loans Chapter 18 Reasons People Fail in the World of Investments Chapter 19 How to Purchase Financial Assets Chapter 20 Information Sources about Personal Finance Chapter 21 Selecting a Financial Planner Chapter 22 Life Stage Concerns Chapter 23 Summary of Insights and Advice Appendix 1 Future Value of Present Sums Appendix 2 Future Value of Annuities Appendix 3 Federal Student Loans Appendix 4 Answers to Equations
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Review quote

Having Real World Personal Finance in your hands is like having a wealth-building coach at your side. In an approachable and conversational style, authors Mark A. Nadler and Terry Rumker walk readers through the vital processes of assessing current financial status and setting clear, motivating financial goals. In true coaching style, any and all excuses are challenged and constant encouragement is given to take strategic action today to build a solid financial future. Financial terms are demystified and crucial financial calculations are explained step-by-step with examples that come right out of daily life. Sage advice is given for developing skill in financial decision-making throughout life and avoiding costly financial errors, especially in the investment market. For those wanting to take charge of their financial future, Real World Personal Finance serves as a handbook for financial success. -- Deanna L. Sharpe, University of Missouri
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About Mark A. Nadler

Terry E. Rumker is a professor of finance and assistant director of the Institute for Contemporary Financial Studies in the Dauch College of Business and Economics at Ashland University. Mark A. Nadler is A.L. Garber Family professor of economics and department chair of economics and finance in the Dauch School of Business and Economics at Ashland University.
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