The goal of this book is two-fold. The first is to have readers appreciate the importance of planning and have a basic understanding of planning techniques. The second is to develop readers' abilities to think critically and to make effective decisions. This book covers financial planning including the time value of money, cash management, buying now and paying later, investment basics, stock and bonds, mutual funds, and protecting your income and wealth. For financial advisors/planners and any individual seeking a sound financial plan.

From the Publisher

The primary aim of the text is to help the reader plan for a successful financial future. The book provides a comprehensive, user- friendly treatment of financial planning, including personal financial statements and budgets, cash management, consumer credit, consumer durables, housing, insurance, investments, retirement and estate planning.

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