2178:: When choosing a new home, it is essential to consider the location, along with the qualities that are desired and needed in a home. These variables can increase or decrease the price of an estate. Location-related considerations include a city or rural location, length of commute, the importance of quality public schools, level of safety, the amount of land, included amenities, proximity to family. Examples of variables that would affect the value of an estate include but are not limited to, the quality of school systems in that area, proximity to the community, shopping and entertainment/recreation, safety levels and crime rates of the neighborhood, amenities, and land size and surrounding developments. It is essential to keep all of this in mind when thinking about the future value of a home.
2042:, is the analysis of how to protect a household from unforeseen risks. These risks can be divided into liability, property, death, disability, health, and long-term care. Some wagers may be self-insurable, while most require an insurance contract. Determining how much insurance to get, at the most cost-effective terms, requires knowledge of the market for personal insurance. Business owners, professionals, athletes, and entertainers need specialized insurance professionals to protect themselves adequately. Since insurance also enjoys some tax benefits, utilizing insurance investment products may be critical to the overall investment planning.
2093:- One thing to consider with personal finance and net worth goals is depreciating assets. A depreciating asset is an asset that loses value over time or with use. A few examples would be the vehicle a person owns, boats, and capitalized assets. They add value to a person's life, but unlike other assets, they do not make money and should be a class of their own. In the business world, these are depreciated over time for tax and bookkeeping purposes because their useful life runs out. This is known as accumulated depreciation, and the asset will eventually need to be replaced.
2172:: When purchasing a home/real estate, it is essential to understand the options. Most people either go with a 15- or 30-year plan. The payment rate can be a fixed plan, a constant payment of the same amount over a certain period. The other is an ARM mortgage (Adjustable-Rate Mortgage). This rate can be adjusted and agreed upon to be changed in the given plan depending on mortgage rate fluctuations. Mortgage plans depend on a person's situation, and it is essential for potential borrowers to assess their credit score and financial status when contemplating plans.
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effectiveness of financial education on general audience is controversial. For example, a study by Bell, Gorin, and
Hogarth (2009) stated that financial education graduates were more likely to use a formal spending plan. Financially educated high school students are more likely to have a savings account with regular savings, fewer overdrafts, and more likely to pay off their credit card balances. However, another study done by Cole and Shastry (
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1962:: With the developments in healthcare, people today live till a much older age than previous generations. The average life expectancy has increased even in developing economies. The average life expectancy has gradually shifted from 60 to 81 and upwards, which coupled with a shorter employable age reinforces the need for a large enough retirement corpus and the importance of personal finance.
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1849:: Multiple goals are expected, including short- and long-term goals. For example, a long-term goal would be to "retire at age 65 with a personal net worth of $ 1,000,000", while a short-term goal would be to "save up for a new computer in the next month." Setting financial goals helps to direct financial planning by determining the parameters and expectations one aims to achieve.
1969:: Medical expenses including cost of prescription medicine, hospital admission care and charges, nursing care, specialized care, geriatric care have all seen an exponential rise over the years. Many of these medical expenses are not covered through insurance policies that might either be private/individual insurance coverage or through federal or national insurance coverage.
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is a measurement of a borrowers trustworthiness to a lender, ranging from 300-850. Improvements to one’s credit score are determined by a variety of factors, including making payments on time, keeping low outstanding balances, having credit lines open for long periods of time, applications for credit
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With the growing interest in students' loans, having a proper financial plan in place is crucial. Parents often want to save for their kids but make the wrong decisions, adversely affecting the savings. We often observe that many parents give their kids expensive gifts or unintentionally endanger the
2133:
It is the soul of financial planning, whether a person is an employee or planning for retirement. It is a must for every financial planner to know how much they spend before their retirement so that they can save a significant amount. This analysis is a wake-up call as many of us know our income, but
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Financial position is concerned with understanding the personal resources available by examining net worth and household cash flow. Net worth is a person's balance sheet, calculated by adding up all assets under that person's control, minus all household liabilities, at one point. Household cash flow
1950:
like automobile, chemicals, construction; consumption and demand is driven by the health of the countries economy. It has been observed that when economies stagnate, are in recession, and in war - specific industries suffer more than others. This results in companies rationalizing their workforce. An
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and the
Academy of Financial Services (AFS) in 1985 marked an important milestone in personal finance history in the US. Attendances of the two societies mainly come from faculty and graduates from business and home economics colleges. AFCPE started to offered several certifications for professionals
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poll found that 42% of adults were discouraged. In comparison, 28% of adults thought that personal finance is difficult because of the vast amount of online information. As of 2015, 17 out of 50 states in the United States require high school students to study personal finance before graduation. The
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Although credit can provide a variety of benefits and opportunities to the borrower, it is important to fully understand the advantages and disadvantages of borrowing to ensure sound financial decisions. Using credit indiscriminately and lack of sufficient education can land an individual into debt
1993:. This leads to the national healthcare budgets being very tightly controlled. Many newer, expensive therapies are frequently excluded from national formularies. This means that patients may not have access through the government policy and would have to pay out of pocket to avail of these medicines
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and history. Home ownership can make life more stable. The price of the house, including the down payment, monthly mortgage payment, repair and maintenance costs, HOA fees, utilities, insurance, property taxes, and other costs, are considerations. If one choose to rent a home, there is no need to
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Shelter is a basic human need, and as such, it is imperative that one understands how to obtain a place to live and at the same time maintain their financial security. Housing can be very complicated, with decisions regarding buying or renting, mortgages, insurance, taxes, utilities, maintenance,
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Many lenders incentivize borrowers to use their lines of credit, such as credit cards, by offering perks such as travel kickbacks, sign-on bonuses, and purchase protections. When used properly by paying balances in full each month, these rewards allow the borrower to take advantage of perks they
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has to get a higher rate of return, which typically will subject the portfolio to several risks. Managing these portfolio risks is often accomplished using asset allocation, which seeks to diversify investment risk and opportunity. This asset allocation will prescribe a percentage allocation for
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Make monitoring a financial plan regularly a habit. An annual financial planning review with a professional keeps people well-positioned and informed about the required changes, if any, in personal needs or life circumstances. It would be best to be prepared for all the sudden curve balls life
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Although saving up and using cash is often the most preferable option, many people resort to credit to make purchases before they have the funds to do so. For example, getting loans for major purchases such as houses and cars allows the borrower to use these goods while they pay them off over
1941:
In economies with a considerably large younger population entering the workforce who are more equipped with the latest technologies, several employees in the middle management who have not up-skilled are easily replaceable with new and fresh talent that is cheaper and more valuable to the
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involves planning to disposition one's assets after death. Typically, a tax is due to the state or federal government when one dies. Avoiding these taxes means more of one's assets will be distributed to their heirs. One can leave their assets to family, friends, or charitable
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planning how to accumulate enough money for large purchases and life events is what most people consider financial planning. Significant reasons to get assets include purchasing a house or car, starting a business, paying for education expenses, and saving for retirement.
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is understanding how much it costs to live at retirement and developing a plan to distribute assets to meet any income shortfall. Methods for retirement plans include taking advantage of government-allowed structures to manage tax liability, including individual
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As the concerns about consumers' financial capability increased during the early 2000s, various education programs emerged, catering to a broad audience or a specific group of people, such as youth and women. The educational programs are frequently known as
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and large proportion of the senior population, it needs to be seen whether the extent of the
Medicare program is sustainable in the long run, therapy exclusions in the coverage, co-pay, deductibles - several cost elements are to be borne by individuals
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such as car loans and mortgages. Using debt as a means to purchase goods and services brings about a variety of pros and cons that the consumer must become educated on before diving in. Some examples of the benefits of using credit are as follows:
1907:
Although many countries have some formal education for personal finance, the
Organization for Economic Co-operation and Development (OECD) studies show low financial literacy in areas it is not required, even in developed countries like Japan.
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and the
American Council on Consumer Interests started to play an important role in developing this field from the 1950s to the 1970s. The establishment of the Association for Financial Counseling and Planning Education (AFCPE) in 1984 at
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Interest and fees are levied by the lender on the borrower to profit from the process of lending. By holding balances for long periods of time a borrower will accrue interest resulting in having to pay back more money than originally
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is the total of all the expected income sources within a year minus all expected expenses within the same year. From this analysis, the financial planner can determine to what degree and when the personal goals can be accomplished.
2127:: Delayed gratification, or deferred gratification, is the ability to resist the temptation for an immediate reward and wait for a later reward. This is thought to be an important consideration in the creation of personal wealth.
1929:: Over the years, with the advent of automation and changing needs; it has been witnessed across the globe that several jobs that require manual intervention or that are mechanical are increasingly becoming redundant.
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Typical goals that most adults and young adults have are paying off credit card/student loan/housing/car loan debt, investing for retirement, investing for college costs for children, and paying medical expenses.
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1887:: The financial plan is monitored in regular intervals to determine if one is on track to reach their goals. This information is evaluated to make potential adjustments as time passes and circumstances change.
2297:, 99% of the adults agreed that personal finance should be taught in schools. Financial authorities and the American federal government had offered free educational materials online to the public. However, a
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Many lenders often require minimum payments at regular intervals to see return on their lending. If a borrower builds up high amounts of debt, these minimum payments can grow larger and become overwhelming.
2082:. Using net present value calculators, the financial planner will suggest a combination of asset earmarking and regular savings to be invested in various investments. To overcome the rate of inflation, the
1951:
individual can lose their job quickly and remain unemployed for a considerable time. All these reasons bring to the realization that the legal employable age of 60 is slowly and gradually becoming shorter.
1792:: people should not develop attachment to the idea of money, morally reprehensible, and, when investing, should maintain the medium-long-term horizon avoiding hazards in the expected return of investment.
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Due to the nature of credit, borrowers are able to spend money even when they do not have the ability to pay off. This puts the borrower in a position of financial distress where they become dependent on
1855:: The financial plan details how to accomplish the financial goals set in the previous step. It could include, for example, reducing unnecessary expenses, increasing employment income, or investing in a
2078:
Achieving these goals requires projecting their costs and when to withdraw funds. A significant risk to the household in achieving their accumulation goal is the rate of price increases over time, or
2231:
Although an emergency fund is widely considered the best way to cover emergency expenses, credit allows those without emergency funds to temporarily offset the financial burden of an emergency.
1922:
This illustrates the importance of learning personal finance from an early stage, to differentiate between needs vs. wants, improve financial literacy, and to build financial planning skills..
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worry about maintenance and real estate taxes. Moving to a different location can also be easier. Expenses for renters may include electricity, water, internet, parking, and pet fees.
1955:
These are some of the reasons why individuals should start planning for their retirement and systematically build on their retirement corpus, hence the need for personal finance.
2306:, 2009) found that there were no differences in saving behaviors of people in American states with financial literacy mandate enforced and the states without a literacy mandate.
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accounts, and variety of accounts open. These factors help lenders to determine the amount of money and the interest rate they are willing to grant to each individual applicant.
1637:, a Nobel laureate, suggested that a decision-maker did not always make the best financial decision because of limited educational resources and personal inclinations. In 2009,
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started to offer financial educational programs in both undergraduate and graduate programs since the 1990s. These institutions published several works in journals such as
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Personal finance in public education is not always required, with just under 30% of high schools in the US in 2024 not having personal finance as a graduation requirement.
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In developing countries like India, China, most of the expenses are out of pocket as there is no overarching government social security system covering medical expenses.
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Before 1990, the study of personal finance received little attention from mainstream economists and business faculties. However, several
American universities such as
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showed that human beings do not always make rational financial decisions, and the market is not necessarily automated and corrective of any imbalances in the economy.
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2060:. The government gives many incentives in the form of tax deductions and credits, which can be used to reduce the lifetime tax burden. Most modern governments use a
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The limits stated by laws may be different in each country; in any case personal finance should not disregard correct behavioral principles and the diligence of a
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stocks, bonds, cash, and alternative investments. The budget should also consider every investor's risk profile since risk attitudes vary from person to person.
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was set up in 2008 to encourage financial literacy among the
American people. It also stressed the importance of developing a standard in financial education.
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Hence, it is essential to associate the connection of financial courses in the education system and the generational shift of personal financial educations.
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opportunity to obtain the much-needed grant. Instead, one should make their kids prepare for the future and support them financially in their education.
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is the ability of a customer to receive goods or services prior to payment with the promise that the debt will be repaid in the future, often with
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1865:: Execution of a financial plan often requires discipline, perseverance and sacrifice. Many people take assistance from professionals such as
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In the modern world, there is a growing need for people to understand and take control of their finances because of the following reasons:
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The effects of extending intellectual property rights protection to developing countries: a case study of the Indian pharmaceutical market
1973:
In developed markets like the US, insurance coverage is provided by either the employers, private insurers or through federal government (
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and personal finance writer
Helaine Olen argue that in the United States, good personal finance advice boils down to a few simple points:
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1701:". However, there was no standardized curriculum for personal finance education until after the 2008 financial crisis. The United States
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must be paid. Understanding how to take advantage of the myriad tax breaks when planning one's finances can be significantly impactful.
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in this field, such as
Accredited Financial Counselor (AFC) and Certified Housing Counselor (CHC). Meanwhile, AFS cooperates with
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Look for low-cost, diversified mutual funds that balance risk vs. reward appropriately to an individual's target retirement year
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can offer personalized advice in complicated situations and for high-wealth individuals. Still, University of
Chicago professor
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is the single largest expense in a household. Managing taxes is not a question of whether or not taxes will be paid but
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Graduate students with financial educations averaging higher credit scores and receiving more favorable loan conditions.
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When planning personal finances, the individual would take into account the suitability of various banking products (
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Before a specialty in personal finance was developed, various disciplines which are closely related to it, such as
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1811:: A person's financial situation is assessed by compiling simplified versions of financial statements, including
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which is a dynamic process requiring regular monitoring and re-evaluation. In general, it involves five steps:
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from countries with higher labor costs to countries with lower labor costs keeping margins low for companies.
1626:, a professor of Home Economics at the same university, is recognized as one of the pioneers in the study of
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The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns
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Critical areas of personal financial planning, as suggested by the Financial Planning Standards Board, are:
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Wandel, William H. (June 1960). "Rising Medical Care Costs with Special Reference to Hospital Expenses".
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etc. Apartment or house? That question is crucial for any individual as each option has pros and cons.
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Your Money Or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence
2161:: If a person chooses to buy a house, they can make a financial investment in a home and improve their
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individual situations vary significantly when it comes to income, wealth, and consumption requirements
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Kwok, H., Milevsky, M., and Robinson, C. (1994) Asset Allocation, Life Expectancy, and Shortfall,
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How we compete: what companies around the world are doing to make it in today's global economy
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The Automatic Millionaire: Canadian Edition: A Powerful One-Step Plan to Live and Finish Rich
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How to retire early: everything you need to achieve financial independence when you want it
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coverage insurance for oneself and one's family as well as the need for emergency corpus;.
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2443:. Iowa State University - Department of Human Development and Family Studies: 4–16.
1520:, save, and spend monetary resources in a controlled manner, taking into account various
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3342:: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!
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3047:"Personal Finance: The Allocation of Personal Wealth to Different Asset Classes",
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Tahira, K. Hira (1 December 2009). "Personal finance: Past, present, and future".
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1981:, primarily for individuals of lower income levels). However, with the rising
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3423:. The Wall Street Journal Guidebooks. Crown Publishing Group. p. 256.
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3213:"High schools are beginning to require personal finance courses. Finally"
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and disadvantaged situations. Typical downsides of using credit are:
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Research into personal finance is based on several theories, such as
877:
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such as personal loans, student loans, and credit cards, as well as
1713:
It is hard to define universal personal finance principles because:
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The earliest known research in personal finance was done in 1920 by
3130:
2935:
4047:
3051:, John Wiley & Sons, Inc., 11 September 2015, pp. 67–76,
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would not otherwise have access to through the use of debit cards.
1820:
1567:, etc.), as well as participation in monitoring and management of
985:
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414:
255:
2898:"6.1. Life expectancy has increased remarkably in OECD countries"
1656:(adult learning theory). In America, professional bodies such as
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2833:, Cambridge University Press, 13 November 1996, pp. 40–65,
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2198:. Credit can be acquired through a variety of means, including
2526:
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Dedicate 10-20% of post-tax income for savings and investments
3570:
The Total Money Makeover: A Proven Plan for Financial Fitness
2829:"Job Loss in the Italian and British Automobile Industries",
1989:
In other developed markets like the EU, most medical care is
3420:
The Wall Street Journal. Complete Personal Finance Guidebook
3271:"10 Best Personal-Finance Tools to Better Manage Your Money"
2646:"More US high schools now require personal finance courses"
1723:
market conditions change both geographically and over time.
1831:(e.g., credit card debt, bank loan, mortgage). A personal
1780:
If using a financial advisor, require them to commit to a
3131:"Understand, get, and improve your credit score | USAGov"
2465:. The University of Chicago Library. 2010. Archived from
1752:
Maximize contributions to tax-advantaged funds such as a
3182:"Why We Want—But Can't Have—Personal Finance in Schools"
1819:. A personal balance sheet lists the values of personal
1749:
Create an emergency fund that can last at least 6 months
3313:. Warren E. Buffett (collaborator) (2003 ed.).
1720:
tax and financial regulations vary between countries
1703:
President's Advisory Council on Financial Capability
1658:
American Association of Family and Consumer Sciences
4282:
4231:
4177:
4151:
2522:"Can The Best Financial Tips Fit On An Index Card?"
3470:
2761:
1823:(e.g., car, house, clothes, stocks, bank account,
3444:The Richest Man in Babylon: Original 1926 Edition
3247:. Council for Economic Education. Archived from
2736:"Figure 1.1. Risk of job loss due to automation"
2463:"Guide to the Margaret G. Reid Papers 1904–1990"
1687:The Journal of Financial Counseling and Planning
1516:that an individual or a family unit performs to
2289:An example of personal budget planning software
2703:Dierksmeier, Claus (2013), "Wants vs. Needs",
4129:
3622:
1935:Several employment opportunities are shifting
1599:, were taught in various colleges as part of
1490:
557:
8:
3534:: CS1 maint: multiple names: authors list (
3408:: CS1 maint: multiple names: authors list (
3082:. Financial Planning Standards Board. 2011.
2138:Revisiting Written Financial Plan Regularly:
1784:duty to act in an individual's best interest
3449:CreateSpace Independent Publishing Platform
4136:
4122:
4114:
3629:
3615:
3607:
2000:These reasons illustrate the need to have
1497:
1483:
979:
790:
575:
564:
550:
31:
3080:"Financial Planning Curriculum Framework"
2985:
2974:Bulletin of the World Health Organization
2312:publishes magazines on personal finance.
1800:The key component of personal finance is
827:Transaction (checking / current)
3028:. National Bureau of Economic Research.
2434:
2432:
2430:
2428:
2426:
2424:
2422:
2420:
2416:
1905:Lack of comprehensive formal education:
832:
793:
586:
432:
231:
183:
145:
50:
34:
3527:
3401:
2644:Hughes, Stephanie (27 February 2024).
4098:Valuation using discounted cash flows
2892:
2890:
2639:
2637:
2502:from the original on 10 November 2022
1947:Cyclical nature of several industries
7:
2810:from the original on 9 February 2020
2580:"Creating a Personal Financial Plan"
1456:
3192:from the original on 6 October 2015
3086:from the original on 13 August 2021
2534:from the original on 8 October 2020
2108:) structures or employer-sponsored
1977:, primarily for senior citizens or
1796:Personal financial planning process
3005:from the original on 10 April 2020
2875:from the original on 6 August 2020
2618:. CNN. 28 May 2015. Archived from
2560:from the original on 13 March 2023
2072:Investment and accumulation goals:
2064:. As one's income grows, a higher
1555:, etc.), and investment products (
25:
2967:"Managed care: the US experience"
2670:Hayes, Deacon (7 November 2017).
2379:List of personal finance software
3594:
3477:. John Wiley and Sons. pp.
3160:Financial Aid & Scholarships
3110:Financial Aid & Scholarships
2798:"The Future of Jobs Report 2018"
2322:
1465:
1455:
1446:
1445:
594:
42:
3998:Quantitative behavioral finance
3180:Kadlec, Dan (10 October 2013).
2616:"Goals:Setting financial goals"
2490:"The End of Rational Economics"
2441:Social Science Research Network
4335:Alternative financial services
4038:Strategic financial management
3685:Bull (stock market speculator)
3335:, 1994, vol 3(2), pg. 109–126.
3211:Antonia, Farzan (2 May 2015).
2293:According to a survey done by
2134:very few track their expenses.
1758:individual retirement accounts
1683:San Francisco State University
1245:Strategic financial management
1:
4068:Sustainable Development Goals
2330:Business and Economics portal
1399:Sustainable development goals
4269:Tax refund anticipation loan
4159:Annual percentage rate (APR)
3024:Chaudhuri, Shubham. (2003).
2839:10.1017/cbo9780511625657.004
1743:balances every month in full
4164:Effective annual rate (EAR)
3273:. Kiplinger. Archived from
2554:"What is Personal Finance?"
1885:Monitoring and reassessment
1762:529 education savings plans
1709:Personal finance principles
1691:Journal of Personal Finance
1668:Certified Financial Planner
4377:
3750:Enterprise risk management
2713:10.1057/9781137353290.0010
2399:Separately managed account
2278:
2176:Location / Wants and Needs
1896:Goals for personal finance
1150:Fractional-reserve banking
1078:Enterprise risk management
4325:
3735:Diversification (finance)
3645:
3373:The Millionaire Next Door
3333:Financial Services Review
3057:10.1002/9781119208945.ch2
2760:Berger, Suzanne. (2006).
2587:Missouri State University
2488:Ariely, Dan (July 2009).
1960:Increased life expectancy
1769:Avoid trading individual
1053:Diversification (finance)
493:Guaranteed minimum income
288:Diversification (finance)
3370:and Danko, W.D. (1998).
3310:The Intelligent Investor
2924:The Journal of Insurance
1927:Shortened employable age
1766:When investing savings:
1675:Brigham Young University
1630:and Household behavior.
1524:and future life events.
1003:Automated teller machine
171:Employee stock ownership
118:Refund anticipation loan
2965:Sekhri, Neelam (2000).
2556:. Maxprog - Stan Busk.
2495:Harvard Business Review
2304:Harvard Business School
1967:Rising medical expenses
1827:), along with personal
1614:laid the foundation of
1543:), insurance products (
1250:Stress test (financial)
88:Unsecured personal loan
3948:Investment performance
3650:Alternative investment
3245:"Survey of the States"
3156:"Understanding Credit"
3106:"Understanding Credit"
2768:. Currency Doubleday.
2707:, Palgrave Macmillan,
2674:. Simon and Schuster.
2290:
1650:social exchange theory
1610:. Her dissertation at
528:Universal basic income
405:Portfolio optimization
380:Investment performance
251:Alternative investment
27:Budgeting and expenses
3943:Investment management
3928:International finance
3755:Environmental finance
3715:Computational finance
3417:Opdyke, J.D. (2010).
3354:Warner Business Books
2288:
2152:Real Estate Planning:
2125:Delayed gratification
1991:nationally reimbursed
1679:Iowa State University
1663:Iowa State University
1643:2008 financial crisis
1612:University of Chicago
1424:Too connected to fail
1185:Investment management
1083:Environmental finance
942:Correspondent account
636:Community development
4008:Risk-return spectrum
3963:Mathematical finance
3883:Fundamental analysis
3877:Financial technology
3775:Experimental finance
3770:Exchange traded fund
3603:at Wikimedia Commons
3549:. Doubleday Canada.
3496:Dominguez, J.R. and
3225:on 28 September 2015
2909:10.1787/888933405548
2747:10.1787/888933500622
2705:Humanistic Marketing
2622:on 28 September 2015
2596:on 17 September 2015
2084:investment portfolio
2066:marginal rate of tax
2036:Adequate protection:
1790:"good family father"
1603:for over 100 years.
1549:disability insurance
1514:financial management
1322:Exchange traded fund
1200:Mathematical finance
1160:Fundamental analysis
1155:Full-reserve banking
761:Bank holding company
671:Export credit agency
579:Part of a series on
533:Volatility (finance)
503:Risk-return spectrum
345:Fundamental analysis
211:Defined contribution
4308:Personal bankruptcy
4073:Sustainable finance
4043:Statistical finance
4023:Statistical finance
3933:Investment advisory
3893:Greater fool theory
3277:on 5 September 2015
2339:Accounting software
2275:Education and tools
2222:Buy now, pay later:
2145:Education Planning:
2100:Retirement planning
2091:Depreciating Assets
2029:Financial position:
1875:investment advisers
1414:Time value of money
1240:Statistical finance
1230:Sustainable finance
1180:Investment advisory
822:Time deposit (Bond)
478:Financial inclusion
473:Financial deepening
375:Investment advisory
147:Employment contract
4340:Financial literacy
4058:Structured product
4053:Structured finance
3938:Investment banking
3913:History of banking
3700:Capital management
3368:Stanley, Thomas J.
2359:Debt consolidation
2295:Harris Interactive
2291:
2281:Financial literacy
2259:Interest and Fees:
2235:Perks and Bonuses:
1871:financial planners
1802:financial planning
1756:retirement funds,
1699:financial literacy
1616:consumer economics
1597:consumer economics
1389:Security (finance)
1364:History of banking
1260:Structured product
1255:Structured finance
1068:Economic expansion
581:financial services
513:Structured product
453:Citizen's dividend
400:Passive management
128:Debt consolidation
4348:
4347:
4295:Credit counseling
4111:
4110:
3988:Position of trust
3720:Corporate finance
3705:Capital structure
3665:Asset (economics)
3637:General areas of
3599:Media related to
3580:978-1-418-52999-4
3573:. Thomas Nelson.
3556:978-0-307-37209-3
3543:Bach, D. (2009).
3513:978-0-140-16715-3
3506:. Penguin Books.
3467:Bogle, John Bogle
3458:978-1-508-52435-9
3430:978-0-307-49887-8
3387:978-0-671-01520-6
3340:Rich Dad Poor Dad
3251:on 13 August 2015
3066:978-1-119-20894-5
2848:978-0-521-48432-9
2722:978-1-137-35329-0
2681:978-1-4405-9989-7
2404:Wealth management
2364:Equity investment
2354:Corporate finance
2268:Monthly Payments:
1983:US fiscal deficit
1817:income statements
1729:financial advisor
1628:consumer behavior
1529:checking accounts
1507:
1506:
1302:Corporate finance
1297:Capital structure
1272:
1271:
1043:Corporate finance
863:
862:
574:
573:
246:Active management
176:Employee benefits
133:Debt rescheduling
16:(Redirected from
4368:
4361:Personal finance
4330:Personal finance
4245:Home equity loan
4187:Credit card debt
4138:
4131:
4124:
4115:
3983:Personal finance
3973:Over-the-counter
3953:Investor profile
3923:Impact investing
3918:History of money
3898:Growth investing
3760:Equity (finance)
3670:Asset allocation
3631:
3624:
3617:
3608:
3601:Personal finance
3598:
3584:
3560:
3539:
3533:
3525:
3492:
3476:
3462:
3434:
3413:
3407:
3399:
3328:
3307:(8 July 2003) .
3301:Graham, Benjamin
3287:
3286:
3284:
3282:
3267:
3261:
3260:
3258:
3256:
3241:
3235:
3234:
3232:
3230:
3221:. Archived from
3218:Business Insider
3208:
3202:
3201:
3199:
3197:
3177:
3171:
3170:
3168:
3166:
3152:
3146:
3145:
3143:
3141:
3127:
3121:
3120:
3118:
3116:
3102:
3096:
3095:
3093:
3091:
3076:
3070:
3069:
3044:
3038:
3037:
3021:
3015:
3014:
3012:
3010:
3004:
2989:
2971:
2962:
2956:
2955:
2919:
2913:
2912:
2902:
2894:
2885:
2884:
2882:
2880:
2874:
2867:
2858:
2852:
2851:
2826:
2820:
2819:
2817:
2815:
2809:
2802:
2794:
2788:
2787:
2767:
2757:
2751:
2750:
2740:
2732:
2726:
2725:
2700:
2694:
2693:
2667:
2661:
2660:
2658:
2656:
2641:
2632:
2631:
2629:
2627:
2612:
2606:
2605:
2603:
2601:
2595:
2589:. Archived from
2584:
2576:
2570:
2569:
2567:
2565:
2550:
2544:
2543:
2541:
2539:
2518:
2512:
2511:
2509:
2507:
2485:
2479:
2478:
2476:
2474:
2459:
2453:
2452:
2436:
2389:Money management
2344:Asset allocation
2332:
2327:
2326:
2211:Building credit:
2131:Cash Management:
2110:retirement plans
2010:critical illness
1833:income statement
1825:cryptocurrencies
1635:Herbert A. Simon
1620:family economics
1593:family economics
1577:retirement funds
1545:health insurance
1533:savings accounts
1510:Personal finance
1499:
1492:
1485:
1469:
1459:
1458:
1449:
1448:
1379:Personal finance
1312:Equity (finance)
1175:Impact investing
1165:Growth investing
1073:Enterprise value
980:
791:
746:Savings and loan
598:
576:
566:
559:
552:
435:
425:Target date fund
390:Investor profile
385:Investment style
370:Impact investing
355:Growth investing
293:Equity (finance)
166:Salary packaging
46:
36:Personal finance
32:
21:
4376:
4375:
4371:
4370:
4369:
4367:
4366:
4365:
4351:
4350:
4349:
4344:
4321:
4299:Management plan
4278:
4227:
4173:
4147:
4142:
4112:
4107:
4088:Too big to fail
4083:Systematic risk
4003:Quantum finance
3908:Hedge (finance)
3888:Government bond
3725:Cost of capital
3710:Climate finance
3641:
3635:
3591:
3581:
3563:
3557:
3542:
3526:
3514:
3495:
3489:
3465:
3459:
3437:
3431:
3416:
3400:
3388:
3366:
3346:Robert Kiyosaki
3325:
3317:. front cover.
3299:
3296:
3294:Further reading
3291:
3290:
3280:
3278:
3269:
3268:
3264:
3254:
3252:
3243:
3242:
3238:
3228:
3226:
3210:
3209:
3205:
3195:
3193:
3179:
3178:
3174:
3164:
3162:
3154:
3153:
3149:
3139:
3137:
3129:
3128:
3124:
3114:
3112:
3104:
3103:
3099:
3089:
3087:
3078:
3077:
3073:
3067:
3049:Pension Finance
3046:
3045:
3041:
3023:
3022:
3018:
3008:
3006:
3002:
2969:
2964:
2963:
2959:
2921:
2920:
2916:
2900:
2896:
2895:
2888:
2878:
2876:
2872:
2865:
2863:"UTI SWATANTRA"
2861:Sinha, Partha.
2860:
2859:
2855:
2849:
2828:
2827:
2823:
2813:
2811:
2807:
2800:
2796:
2795:
2791:
2776:
2759:
2758:
2754:
2738:
2734:
2733:
2729:
2723:
2702:
2701:
2697:
2682:
2669:
2668:
2664:
2654:
2652:
2643:
2642:
2635:
2625:
2623:
2614:
2613:
2609:
2599:
2597:
2593:
2582:
2578:
2577:
2573:
2563:
2561:
2552:
2551:
2547:
2537:
2535:
2520:
2519:
2515:
2505:
2503:
2487:
2486:
2482:
2472:
2470:
2461:
2460:
2456:
2438:
2437:
2418:
2413:
2408:
2394:Personal budget
2374:Family planning
2369:Estate planning
2328:
2321:
2318:
2299:Bank of America
2283:
2277:
2200:unsecured debts
2117:Estate planning
2062:progressive tax
2048:typically, the
2022:
1898:
1835:lists personal
1798:
1711:
1589:
1522:financial risks
1503:
1438:
1437:
1419:Too big to fail
1404:Systematic risk
1317:Ethical banking
1307:Cost of capital
1282:
1274:
1273:
1220:Private banking
1190:Islamic banking
1170:Hedge (finance)
1093:Ethical banking
1063:Economic bubble
1038:Climate finance
1013:Bank regulation
977:
969:
968:
927:Instant payment
873:
865:
864:
788:
771:
770:
606:
570:
523:Systematic risk
508:Social dividend
468:Economic bubble
433:
365:Hedge (finance)
350:Government bond
303:Estate planning
233:Personal budget
227:
223:Social security
206:Defined benefit
199:
28:
23:
22:
15:
12:
11:
5:
4374:
4372:
4364:
4363:
4353:
4352:
4346:
4345:
4343:
4342:
4337:
4332:
4326:
4323:
4322:
4320:
4319:
4310:
4305:
4292:
4286:
4284:
4280:
4279:
4277:
4276:
4271:
4266:
4260:Car title loan
4257:
4252:
4237:
4235:
4229:
4228:
4226:
4225:
4220:
4215:
4213:Signature loan
4206:
4201:
4196:
4195:
4194:
4183:
4181:
4175:
4174:
4172:
4171:
4169:Credit history
4166:
4161:
4155:
4153:
4149:
4148:
4143:
4141:
4140:
4133:
4126:
4118:
4109:
4108:
4106:
4105:
4100:
4095:
4090:
4085:
4080:
4078:Swap (finance)
4075:
4070:
4065:
4063:Sustainability
4060:
4055:
4050:
4045:
4040:
4035:
4030:
4028:Stock exchange
4025:
4020:
4015:
4013:Social finance
4010:
4005:
4000:
3995:
3993:Public finance
3990:
3985:
3980:
3975:
3970:
3965:
3960:
3955:
3950:
3945:
3940:
3935:
3930:
3925:
3920:
3915:
3910:
3905:
3900:
3895:
3890:
3885:
3880:
3874:
3873:
3872:
3867:
3862:
3857:
3852:
3847:
3842:
3837:
3832:
3827:
3822:
3817:
3812:
3807:
3802:
3797:
3792:
3787:
3777:
3772:
3767:
3762:
3757:
3752:
3747:
3742:
3737:
3732:
3727:
3722:
3717:
3712:
3707:
3702:
3697:
3692:
3687:
3682:
3680:Bond (finance)
3677:
3672:
3667:
3662:
3657:
3655:Angel investor
3652:
3646:
3643:
3642:
3636:
3634:
3633:
3626:
3619:
3611:
3605:
3604:
3590:
3589:External links
3587:
3586:
3585:
3579:
3561:
3555:
3540:
3512:
3493:
3487:
3463:
3457:
3439:Clason, George
3435:
3429:
3414:
3386:
3364:
3350:Sharon Lechter
3336:
3329:
3323:
3295:
3292:
3289:
3288:
3262:
3236:
3203:
3172:
3147:
3122:
3097:
3071:
3065:
3039:
3016:
2957:
2936:10.2307/250624
2914:
2886:
2853:
2847:
2831:Heroic Defeats
2821:
2789:
2774:
2752:
2727:
2721:
2695:
2680:
2662:
2633:
2607:
2571:
2545:
2513:
2480:
2469:on 3 July 2013
2454:
2415:
2414:
2412:
2409:
2407:
2406:
2401:
2396:
2391:
2386:
2384:Microeconomics
2381:
2376:
2371:
2366:
2361:
2356:
2351:
2349:Asset location
2346:
2341:
2335:
2334:
2333:
2317:
2314:
2279:Main article:
2276:
2273:
2272:
2271:
2264:
2263:
2255:
2254:
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2240:
2239:
2232:
2226:
2219:
2188:line of credit
2181:
2180:
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2149:
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2135:
2128:
2122:
2113:
2096:
2095:
2094:
2088:
2069:
2043:
2033:
2021:
2020:Areas of focus
2018:
1998:
1997:
1994:
1987:
1953:
1952:
1943:
1942:organizations.
1939:
1920:
1919:
1916:
1913:
1897:
1894:
1889:
1888:
1882:
1860:
1850:
1844:
1813:balance sheets
1797:
1794:
1786:
1785:
1778:
1777:
1776:
1773:
1764:
1750:
1747:
1744:
1733:Harold Pollack
1725:
1724:
1721:
1718:
1710:
1707:
1641:suggested the
1601:home economics
1588:
1585:
1553:life insurance
1505:
1504:
1502:
1501:
1494:
1487:
1479:
1476:
1475:
1474:
1473:
1463:
1453:
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1436:
1435:
1432:
1431:
1426:
1421:
1416:
1411:
1406:
1401:
1396:
1391:
1386:
1384:Public finance
1381:
1376:
1371:
1366:
1361:
1360:
1359:
1354:
1349:
1344:
1339:
1329:
1324:
1319:
1314:
1309:
1304:
1299:
1294:
1292:Bond (finance)
1289:
1283:
1281:Related topics
1280:
1279:
1276:
1275:
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1269:
1268:
1267:
1262:
1257:
1252:
1247:
1242:
1237:
1232:
1227:
1225:Sustainability
1222:
1217:
1212:
1210:Money creation
1207:
1205:Mobile banking
1202:
1197:
1192:
1187:
1182:
1177:
1172:
1167:
1162:
1157:
1152:
1147:
1146:
1145:
1140:
1135:
1130:
1125:
1120:
1115:
1110:
1105:
1095:
1090:
1085:
1080:
1075:
1070:
1065:
1060:
1055:
1050:
1045:
1040:
1035:
1030:
1025:
1020:
1015:
1010:
1005:
1000:
999:
998:
993:
978:
975:
974:
971:
970:
967:
966:
961:
956:
951:
946:
945:
944:
934:
929:
924:
919:
918:
917:
912:
902:
901:
900:
895:
885:
880:
874:
872:Funds transfer
871:
870:
867:
866:
861:
860:
859:
858:
853:
848:
843:
835:
834:
830:
829:
825:
824:
819:
814:
809:
804:
802:Christmas club
796:
795:
789:
777:
776:
773:
772:
767:Lists of banks
764:
763:
758:
753:
748:
743:
738:
733:
728:
723:
721:Postal savings
718:
713:
708:
703:
698:
696:Mutual savings
693:
688:
683:
678:
673:
668:
663:
658:
653:
648:
643:
638:
633:
628:
623:
618:
613:
607:
605:Types of banks
604:
603:
600:
599:
591:
590:
584:
583:
572:
571:
569:
568:
561:
554:
546:
543:
542:
541:
540:
535:
530:
525:
520:
518:Sustainability
515:
510:
505:
500:
495:
490:
485:
483:Financial risk
480:
475:
470:
465:
460:
455:
450:
445:
437:
436:
430:
429:
428:
427:
422:
417:
412:
407:
402:
397:
392:
387:
382:
377:
372:
367:
362:
357:
352:
347:
342:
341:
340:
335:
330:
325:
320:
310:
305:
300:
295:
290:
285:
280:
278:Bond (finance)
275:
274:
273:
268:
263:
253:
248:
240:
239:
229:
228:
226:
225:
220:
219:
218:
216:Social pension
213:
208:
200:
198:
197:
191:
188:
187:
181:
180:
179:
178:
173:
168:
163:
158:
150:
149:
143:
142:
141:
140:
135:
130:
125:
120:
115:
110:
105:
100:
95:
90:
85:
80:
75:
70:
62:
61:
48:
47:
39:
38:
26:
24:
18:Financial goal
14:
13:
10:
9:
6:
4:
3:
2:
4373:
4362:
4359:
4358:
4356:
4341:
4338:
4336:
4333:
4331:
4328:
4327:
4324:
4318:
4314:
4311:
4309:
4306:
4304:
4300:
4296:
4293:
4291:
4290:Consolidation
4288:
4287:
4285:
4281:
4275:
4272:
4270:
4267:
4265:
4261:
4258:
4256:
4253:
4250:
4246:
4242:
4241:Mortgage loan
4239:
4238:
4236:
4234:
4230:
4224:
4221:
4219:
4216:
4214:
4210:
4209:Personal loan
4207:
4205:
4202:
4200:
4197:
4193:
4190:
4189:
4188:
4185:
4184:
4182:
4180:
4176:
4170:
4167:
4165:
4162:
4160:
4157:
4156:
4154:
4150:
4146:
4145:Consumer debt
4139:
4134:
4132:
4127:
4125:
4120:
4119:
4116:
4104:
4103:Watered stock
4101:
4099:
4096:
4094:
4091:
4089:
4086:
4084:
4081:
4079:
4076:
4074:
4071:
4069:
4066:
4064:
4061:
4059:
4056:
4054:
4051:
4049:
4046:
4044:
4041:
4039:
4036:
4034:
4031:
4029:
4026:
4024:
4021:
4019:
4016:
4014:
4011:
4009:
4006:
4004:
4001:
3999:
3996:
3994:
3991:
3989:
3986:
3984:
3981:
3979:
3976:
3974:
3971:
3969:
3966:
3964:
3961:
3959:
3956:
3954:
3951:
3949:
3946:
3944:
3941:
3939:
3936:
3934:
3931:
3929:
3926:
3924:
3921:
3919:
3916:
3914:
3911:
3909:
3906:
3904:
3901:
3899:
3896:
3894:
3891:
3889:
3886:
3884:
3881:
3878:
3875:
3871:
3868:
3866:
3863:
3861:
3858:
3856:
3853:
3851:
3848:
3846:
3843:
3841:
3838:
3836:
3833:
3831:
3828:
3826:
3823:
3821:
3818:
3816:
3813:
3811:
3808:
3806:
3803:
3801:
3798:
3796:
3793:
3791:
3788:
3786:
3783:
3782:
3781:
3778:
3776:
3773:
3771:
3768:
3766:
3763:
3761:
3758:
3756:
3753:
3751:
3748:
3746:
3745:Eco-investing
3743:
3741:
3738:
3736:
3733:
3731:
3730:Disinvestment
3728:
3726:
3723:
3721:
3718:
3716:
3713:
3711:
3708:
3706:
3703:
3701:
3698:
3696:
3695:Capital asset
3693:
3691:
3688:
3686:
3683:
3681:
3678:
3676:
3673:
3671:
3668:
3666:
3663:
3661:
3658:
3656:
3653:
3651:
3648:
3647:
3644:
3640:
3632:
3627:
3625:
3620:
3618:
3613:
3612:
3609:
3602:
3597:
3593:
3592:
3588:
3582:
3576:
3572:
3571:
3566:
3562:
3558:
3552:
3548:
3547:
3541:
3537:
3531:
3523:
3519:
3515:
3509:
3505:
3504:
3499:
3494:
3490:
3488:9780470102107
3484:
3480:
3475:
3474:
3468:
3464:
3460:
3454:
3450:
3446:
3445:
3440:
3436:
3432:
3426:
3422:
3421:
3415:
3411:
3405:
3397:
3393:
3389:
3383:
3379:
3378:Gallery Books
3375:
3374:
3369:
3365:
3363:
3362:0-446-67745-0
3359:
3355:
3351:
3347:
3343:
3341:
3337:
3334:
3330:
3326:
3324:0-06-055566-1
3320:
3316:
3315:HarperCollins
3312:
3311:
3306:
3302:
3298:
3297:
3293:
3276:
3272:
3266:
3263:
3250:
3246:
3240:
3237:
3224:
3220:
3219:
3214:
3207:
3204:
3191:
3187:
3183:
3176:
3173:
3161:
3157:
3151:
3148:
3136:
3132:
3126:
3123:
3111:
3107:
3101:
3098:
3085:
3081:
3075:
3072:
3068:
3062:
3058:
3054:
3050:
3043:
3040:
3035:
3031:
3027:
3020:
3017:
3001:
2997:
2993:
2988:
2983:
2980:(6): 830–44.
2979:
2975:
2968:
2961:
2958:
2953:
2949:
2945:
2941:
2937:
2933:
2929:
2925:
2918:
2915:
2910:
2906:
2899:
2893:
2891:
2887:
2871:
2864:
2857:
2854:
2850:
2844:
2840:
2836:
2832:
2825:
2822:
2806:
2799:
2793:
2790:
2785:
2781:
2777:
2775:0-385-51359-3
2771:
2766:
2765:
2756:
2753:
2748:
2744:
2737:
2731:
2728:
2724:
2718:
2714:
2710:
2706:
2699:
2696:
2691:
2687:
2683:
2677:
2673:
2666:
2663:
2651:
2647:
2640:
2638:
2634:
2621:
2617:
2611:
2608:
2592:
2588:
2581:
2575:
2572:
2559:
2555:
2549:
2546:
2533:
2529:
2528:
2523:
2517:
2514:
2501:
2497:
2496:
2491:
2484:
2481:
2468:
2464:
2458:
2455:
2450:
2446:
2442:
2435:
2433:
2431:
2429:
2427:
2425:
2423:
2421:
2417:
2410:
2405:
2402:
2400:
2397:
2395:
2392:
2390:
2387:
2385:
2382:
2380:
2377:
2375:
2372:
2370:
2367:
2365:
2362:
2360:
2357:
2355:
2352:
2350:
2347:
2345:
2342:
2340:
2337:
2336:
2331:
2325:
2320:
2315:
2313:
2311:
2307:
2305:
2300:
2296:
2287:
2282:
2274:
2269:
2266:
2265:
2260:
2257:
2256:
2251:
2248:
2247:
2246:
2236:
2233:
2230:
2227:
2223:
2220:
2216:
2212:
2209:
2208:
2205:
2204:secured debts
2201:
2197:
2193:
2189:
2185:
2182:
2177:
2174:
2171:
2168:
2164:
2160:
2157:
2156:
2153:
2150:
2146:
2143:
2139:
2136:
2132:
2129:
2126:
2123:
2119:
2118:
2114:
2111:
2107:
2102:
2101:
2097:
2092:
2089:
2085:
2081:
2077:
2076:
2073:
2070:
2067:
2063:
2059:
2055:
2051:
2047:
2046:Tax planning:
2044:
2041:
2037:
2034:
2030:
2027:
2026:
2025:
2019:
2017:
2015:
2011:
2007:
2003:
1995:
1992:
1988:
1984:
1980:
1976:
1972:
1971:
1970:
1968:
1963:
1961:
1956:
1949:
1948:
1944:
1940:
1937:
1936:
1932:
1931:
1930:
1928:
1923:
1917:
1914:
1911:
1910:
1909:
1906:
1901:
1895:
1893:
1886:
1883:
1880:
1876:
1872:
1868:
1864:
1861:
1858:
1857:fixed deposit
1854:
1853:Plan creation
1851:
1848:
1845:
1842:
1838:
1834:
1830:
1826:
1822:
1818:
1814:
1810:
1807:
1806:
1805:
1803:
1795:
1793:
1791:
1783:
1779:
1774:
1772:
1768:
1767:
1765:
1763:
1759:
1755:
1751:
1748:
1745:
1742:
1738:
1737:
1736:
1734:
1730:
1722:
1719:
1716:
1715:
1714:
1708:
1706:
1704:
1700:
1694:
1692:
1688:
1684:
1680:
1676:
1671:
1670:(CFP Board).
1669:
1664:
1659:
1655:
1651:
1646:
1644:
1640:
1636:
1631:
1629:
1625:
1624:Margaret Reid
1621:
1617:
1613:
1609:
1604:
1602:
1598:
1594:
1586:
1584:
1582:
1578:
1574:
1570:
1569:credit scores
1566:
1562:
1558:
1554:
1550:
1546:
1542:
1538:
1534:
1530:
1525:
1523:
1519:
1515:
1511:
1500:
1495:
1493:
1488:
1486:
1481:
1480:
1478:
1477:
1472:
1468:
1464:
1462:
1454:
1452:
1444:
1443:
1442:
1441:
1434:
1433:
1430:
1429:Watered stock
1427:
1425:
1422:
1420:
1417:
1415:
1412:
1410:
1409:Systemic risk
1407:
1405:
1402:
1400:
1397:
1395:
1392:
1390:
1387:
1385:
1382:
1380:
1377:
1375:
1372:
1370:
1369:List of banks
1367:
1365:
1362:
1358:
1355:
1353:
1350:
1348:
1345:
1343:
1340:
1338:
1335:
1334:
1333:
1330:
1328:
1325:
1323:
1320:
1318:
1315:
1313:
1310:
1308:
1305:
1303:
1300:
1298:
1295:
1293:
1290:
1288:
1287:Asset pricing
1285:
1284:
1278:
1277:
1266:
1263:
1261:
1258:
1256:
1253:
1251:
1248:
1246:
1243:
1241:
1238:
1236:
1233:
1231:
1228:
1226:
1223:
1221:
1218:
1216:
1213:
1211:
1208:
1206:
1203:
1201:
1198:
1196:
1193:
1191:
1188:
1186:
1183:
1181:
1178:
1176:
1173:
1171:
1168:
1166:
1163:
1161:
1158:
1156:
1153:
1151:
1148:
1144:
1141:
1139:
1136:
1134:
1131:
1129:
1126:
1124:
1121:
1119:
1116:
1114:
1111:
1109:
1106:
1104:
1101:
1100:
1099:
1096:
1094:
1091:
1089:
1086:
1084:
1081:
1079:
1076:
1074:
1071:
1069:
1066:
1064:
1061:
1059:
1058:Eco-investing
1056:
1054:
1051:
1049:
1048:Disinvestment
1046:
1044:
1041:
1039:
1036:
1034:
1031:
1029:
1028:Capital asset
1026:
1024:
1021:
1019:
1016:
1014:
1011:
1009:
1006:
1004:
1001:
997:
994:
992:
989:
988:
987:
984:
983:
982:
981:
973:
972:
965:
962:
960:
957:
955:
952:
950:
947:
943:
940:
939:
938:
935:
933:
930:
928:
925:
923:
920:
916:
913:
911:
908:
907:
906:
903:
899:
896:
894:
891:
890:
889:
886:
884:
881:
879:
876:
875:
869:
868:
857:
854:
852:
849:
847:
844:
842:
839:
838:
837:
836:
831:
828:
823:
820:
818:
815:
813:
810:
808:
805:
803:
800:
799:
798:
797:
792:
787:
784:
780:
775:
774:
769:
768:
762:
759:
757:
754:
752:
749:
747:
744:
742:
739:
737:
734:
732:
729:
727:
724:
722:
719:
717:
714:
712:
711:Participation
709:
707:
704:
702:
699:
697:
694:
692:
691:Middle market
689:
687:
684:
682:
679:
677:
674:
672:
669:
667:
664:
662:
659:
657:
654:
652:
649:
647:
644:
642:
639:
637:
634:
632:
629:
627:
624:
622:
621:Bulge bracket
619:
617:
614:
612:
609:
608:
602:
601:
597:
593:
592:
589:
585:
582:
578:
577:
567:
562:
560:
555:
553:
548:
547:
545:
544:
539:
538:Watered stock
536:
534:
531:
529:
526:
524:
521:
519:
516:
514:
511:
509:
506:
504:
501:
499:
498:Market impact
496:
494:
491:
489:
486:
484:
481:
479:
476:
474:
471:
469:
466:
464:
461:
459:
456:
454:
451:
449:
446:
444:
443:Asset pricing
441:
440:
439:
438:
431:
426:
423:
421:
418:
416:
413:
411:
408:
406:
403:
401:
398:
396:
393:
391:
388:
386:
383:
381:
378:
376:
373:
371:
368:
366:
363:
361:
358:
356:
353:
351:
348:
346:
343:
339:
336:
334:
331:
329:
326:
324:
321:
319:
316:
315:
314:
311:
309:
306:
304:
301:
299:
296:
294:
291:
289:
286:
284:
281:
279:
276:
272:
269:
267:
264:
262:
259:
258:
257:
254:
252:
249:
247:
244:
243:
242:
241:
238:
234:
230:
224:
221:
217:
214:
212:
209:
207:
204:
203:
202:
201:
196:
193:
192:
190:
189:
186:
182:
177:
174:
172:
169:
167:
164:
162:
159:
157:
154:
153:
152:
151:
148:
144:
139:
136:
134:
131:
129:
126:
124:
121:
119:
116:
114:
111:
109:
106:
104:
101:
99:
96:
94:
91:
89:
86:
84:
81:
79:
76:
74:
71:
69:
66:
65:
64:
63:
60:
57:
53:
49:
45:
41:
40:
37:
33:
30:
19:
4329:
4317:Repossession
4315: /
4301: /
4297: /
4264:Logbook loan
4262: /
4243: /
4211: /
4192:cash advance
4152:Key concepts
3982:
3978:Pension fund
3903:Growth stock
3825:institutions
3690:Asset growth
3569:
3565:Ramsey, Dave
3545:
3502:
3498:Robin, Vicki
3472:
3443:
3419:
3372:
3338:
3332:
3309:
3281:28 September
3279:. Retrieved
3275:the original
3265:
3255:28 September
3253:. Retrieved
3249:the original
3239:
3229:28 September
3227:. Retrieved
3223:the original
3216:
3206:
3194:. Retrieved
3185:
3175:
3163:. Retrieved
3159:
3150:
3138:. Retrieved
3134:
3125:
3113:. Retrieved
3109:
3100:
3088:. Retrieved
3074:
3048:
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2649:
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2624:. Retrieved
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2598:. Retrieved
2591:the original
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2506:28 September
2504:. Retrieved
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2471:. Retrieved
2467:the original
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2229:Emergencies:
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1537:credit cards
1526:
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1342:participants
1215:Pension fund
1023:Asset growth
1018:Bank secrecy
893:Bill payment
812:Money-market
782:
765:
646:Credit union
463:Credit union
360:Growth stock
338:independence
98:Student loan
55:
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29:
4313:Foreclosure
4249:credit line
4223:Microcredit
4218:Moneylender
4204:Payday loan
4093:Toxic asset
4033:Stockbroker
4018:Speculation
3968:Mutual fund
3958:Market risk
3865:social work
3815:engineering
3660:Super angel
3305:Jason Zweig
3135:www.usa.gov
2650:Marketplace
2159:Buy or Rent
1867:accountants
1829:liabilities
1741:credit card
1565:real estate
1374:Market risk
1265:Toxic asset
1235:Speculation
1123:engineering
661:Development
641:Cooperative
458:Cooperative
420:Stockbroker
410:Speculation
395:Market risk
123:Refinancing
113:Payday loan
93:Rent-to-own
83:Credit card
78:Charge card
4303:Settlement
4283:Management
4274:Pawnbroker
4255:Remortgage
3850:regulation
3830:management
3740:Divestment
3196:24 October
3009:9 February
2879:9 February
2814:9 February
2411:References
2050:income tax
2006:accidental
1809:Assessment
1771:securities
1639:Dan Ariely
1608:Hazel Kyrk
1347:regulation
996:management
991:allocation
888:Electronic
681:Industrial
676:Investment
656:Depository
631:Commercial
261:allocation
237:investment
185:Retirement
138:Bankruptcy
108:Title loan
4199:Overdraft
4179:Unsecured
3879:(Fintech)
3820:inclusion
3810:economics
3805:deepening
3780:Financial
3530:cite book
3404:cite book
3090:23 August
3034:249394911
2944:1047-3483
2690:995023134
2310:Kiplinger
2262:borrowed.
2170:Mortgages
2080:inflation
2040:insurance
1863:Execution
1782:fiduciary
1654:andragogy
1633:In 1947,
1327:Financial
1118:economics
1098:Financial
964:BRICS PAY
756:Wholesale
751:Universal
651:Custodian
313:Financial
266:economics
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3860:services
3785:analysis
3675:Bad debt
3567:(2003).
3522:92003027
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3396:98046515
3356:, 2000.
3190:Archived
3165:24 April
3140:24 April
3115:24 April
3084:Archived
3000:Archived
2996:10916920
2903:. OECD.
2870:Archived
2805:Archived
2784:62734878
2741:. OECD.
2655:24 April
2558:Archived
2532:Archived
2500:Archived
2316:See also
2250:Overuse:
2192:interest
2058:how much
1979:Medicaid
1975:Medicare
1841:expenses
1739:Pay off
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1581:pensions
1451:Category
1143:services
1128:forecast
1103:analysis
1008:Bad debt
794:Accounts
779:Accounts
716:Payments
706:Offshore
686:Merchant
611:Advising
434:See also
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807:Deposit
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1471:Portal
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976:Terms
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786:Cards
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3575:ISBN
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3257:2015
3231:2015
3198:2015
3186:Time
3167:2024
3142:2024
3117:2024
3092:2021
3061:ISBN
3030:OCLC
3011:2020
2992:PMID
2940:ISSN
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2780:OCLC
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2657:2024
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