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Personal Finance Personal Financial Planning for Accountants Personal Financial Planning for Accountants Copyright 2014 by DeltaCPE LLC All rights reserved. No part of this course may be reproduced in any form or by any means, without permission in writing from the publisher. The author is not engaged by this text or any accompanying lecture or electronic media in the rendering of legal, tax, accounting, or similar professional services. While the legal, tax, and accounting issues discussed in this material have been reviewed with sources believed to be reliable, concepts discussed can be affected by changes in the law or in the interpretation of such laws since this text was printed. For that reason, the accuracy and completeness of this information and the author's opinions based thereon cannot be guaranteed. In addition, state or local tax laws and procedural rules may have a material impact on the general discussion. As a result, the strategies suggested may not be suitable for every individual. Before taking any action, all references and citations should be checked and updated accordingly. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional service. If legal advice or other expert advice is required, the services of a competent professional person should be sought. —-From a Declaration of Principles jointly adopted by a committee of the American Bar Association and a Committee of Publishers and Associations. All numerical values in this course are examples subject to change. The current values may vary and may not be valid in the present economic environment. Preface Personal Financial Planning for Accountants is a comprehensive course on personal finance. What is more important to the "average person”' than making sure their finances are secure proper planning and money management? This course includes all the major areas in personal financial planning— planning your personal finances, managing your personal finances, making your purchase decisions, insuring your resources, investing tour financial resources, and controlling your financial future. Topics covered include time value calculations, budgeting, career planning, banking, insurance, home buying, consumer credits and money management, investment planning, retirement planning, and estate planning. Personal Financial Planning for Accountants has text discussion and numerous examples. To clarify and supplement the discussion in each chapter, we will make use of charts, tables, illustrations, exhibits, and checklists. Field of Study Administrative Practice Level of Knowledge Overview Prerequisite Basic Math Advanced Preparation None i Table of Contents Preface ........................................................................................................................................................... i Chapter 1: What You Should Know About Financial Planning .................................................................... 1 Learning Objectives ................................................................................................................................... 1 The Benefits of Financial Planning ............................................................................................................ 2 Chapter 2: Time Value Applications .......................................................................................................... 21 Learning Objectives: ................................................................................................................................ 21 Time Value of Money .............................................................................................................................. 22 Chapter 3: Personal Financial Statements and Budgeting ....................................................................... 35 Learning Objectives ................................................................................................................................. 35 Developing a Financial Statement .......................................................................................................... 36 Chapter 4: Career Planning and Financial Success ................................................................................... 61 Learning Objectives ................................................................................................................................. 61 Career Plans ............................................................................................................................................ 61 Chapter 5: Planning for College Education .............................................................................................. 77 Learning Objectives ................................................................................................................................. 77 College Education Financials ................................................................................................................... 77 Strategies for Funding College Tuition .................................................................................................... 79 Chapter 6: The Return and Risk of Your Investments ............................................................................... 98 Learning Objectives ................................................................................................................................. 98 Investing .................................................................................................................................................. 98 Chapter 7: Banking and Cash Management ........................................................................................... 119 Learning Objectives ............................................................................................................................... 119 Banking .................................................................................................................................................. 119 Chapter 8: Managing Debt ..................................................................................................................... 140 ii Learning Objectives ............................................................................................................................... 140 Credit Cards ........................................................................................................................................... 140 Bankruptcy Law ..................................................................................................................................... 161 Chapter 9: How to Reduce the Costs of Living ....................................................................................... 170 Learning Objectives ............................................................................................................................... 170 Reducing the Cost of Living ................................................................................................................... 170 Chapter 10: Where and How You Choose to Live .................................................................................. 182 Learning Objectives ............................................................................................................................... 182 Home Ownership .................................................................................................................................. 182 Chapter 11: Life, Health, Property, and Liability Insurance ................................................................... 200 Learning Objectives ............................................................................................................................... 200 Insurance ............................................................................................................................................... 201 Chapter 12: Investments and Planning .................................................................................................. 234 Learning Objectives ............................................................................................................................... 234 Getting Started as an Investor .............................................................................................................. 234 Chapter 13: Investing in Common Stock ................................................................................................ 245 Learning Objectives ............................................................................................................................... 245 Common Stock ...................................................................................................................................... 245 Chapter 14: Fixed-Income Securities ..................................................................................................... 283 Learning Objectives ............................................................................................................................... 283 Fixed Income Securities ........................................................................................................................ 283 Chapter 15: Investing in Tangibles – Real Estate and Other Real Assets ............................................... 307 Learning
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