Garman, E. Thomas <br/><br/>
Financial planning and personal finance / 
E. Thomas Garman, Raymond E. Forgue, Mariya Yesseleva-Pionka, James Murray 
 - Australia and New Zealand edition. 
 - xxiii, 653 pages ; 
<br/><br/> Includes index. 
<br/><br/>Preface<br/>About the authors<br/>Acknowledgements<br/>Part 1: Financial planning<br/>Chapter 1: Understanding personal finance<br/>1.1 Achieving personal financial success<br/>1.1a The five fundamental steps in the financial planning process<br/>1.1b You must plan for financial success and happiness<br/>1.1c You must spend less so you can save and invest more<br/>1.1d What you will accomplish studying personal finance<br/>1.1e Replace your obsolete knowledge<br/>1.2 The economy affects your personal financial success<br/>1.2a How to tell where we are in the business cycle<br/>1.2b The business cycle<br/>1.2c How to tell the future direction of the economy<br/>1.2d The future direction of inflation and interest rates<br/>1.3 Think like an economist when making financial decisions<br/>1.3a Consider opportunity costs when making decisions<br/>1.3b Identify marginal utility and costs in decision making<br/>1.3c Factor your marginal income tax rate when making financial decisions<br/>1.3d Know the tax-exempt income<br/>1.3e Tax benefits and investment property<br/>1.4 Perform time value of money calculations<br/>1.4a There are only two common questions about money<br/>1.4b Calculating future values<br/>1.4c Finding present values is called discounting<br/>1.5 Make smart money decisions at work<br/>1.5a Open the new employee orientation package<br/>1.5b Public health system<br/>1.5c Age Pension and personal superannuation<br/>1.6 Where to seek expert financial advice<br/>1.6a Not every financial adviser has your best interests in mind<br/>1.6b How financial planners are compensated<br/>1.6c Questions to ask a financial planner<br/>Chapter 2: Career planning<br/>2.1 Developing your career plan<br/>2.1a Clarify your values and interests<br/>2.1b Consider your current interests and possible career opportunities<br/>2.1c Identify one or more desired career fields<br/>2.1d Review your abilities, experiences and education<br/>2.1e Know your preferred work-style personality<br/>2.1f Take advantage of professional and social networking<br/>2.1g Prospective employers and your credit report<br/>2.1h Align yourself with tomorrow’s employment trends<br/>2.1i Freelancing in the ‘gig economy’ and entrepreneurship<br/>2.1j Finalise your career plan<br/>2.2 Financial and legal aspects of employment<br/>2.2a Is university worth the cost?<br/>2.2b Place dollar values on employee benefits<br/>2.2c Know your legal employment rights<br/>2.3 Practise effective employment search strategies<br/>2.3a Assemble an attention-getting curriculum vitae (CV)<br/>2.3b How to search for and target preferred employers<br/>2.3c Identify specific job opportunities<br/>2.3d Write an effective cover letter<br/>2.3e Obtain strong reference letters<br/>2.3f Formally apply for the job<br/>2.3g Interview for success<br/>2.3h How to compare salary offers<br/>2.3i Ask for the job<br/>2.3j Wait and be patient<br/>2.3k Negotiate and accept the job<br/>2.3l How to move up at work<br/>2.3m Getting paid ‘right’ in your job<br/>2.3n Periodically update your career plan<br/>Chapter 3: Financial statements, tools and budgets<br/>3.1 Financial values, goals and strategies<br/>3.1a Values define your financial success<br/>3.1b Saving is your single most important financial task<br/>3.1c Examples of financial goals<br/>3.1d Financial goals follow your values<br/>3.1e Financial strategies help guide your financial success<br/>3.1f Wealth-building principles for life<br/>3.2 Financial statements measure your financial health and progress<br/>3.2a The balance sheet is a snapshot of your financial status right now<br/>3.2b How to increase your net worth<br/>3.2c The cash-flow statement tracks where your money came from and went<br/>3.3 Collect and organise your financial records to save time and money<br/>3.4 Money topics to discuss with a partner<br/>3.5 Reaching your goals through budgeting: your spending/savings action plan<br/>3.5a Action before: set financial goals<br/>3.5b Action before: make and reconcile budget estimates<br/>3.5c Action before budgeting period: plan cash flows<br/>3.5d Action during the budgeting period: control spending<br/>3.5e Action after: evaluate budgeting progress to make needed changes<br/>Part 2: Financial management<br/>Chapter 4: Managing income taxes<br/>4.1 Progressive income taxes and the marginal tax rate<br/>4.1a The progressive nature of personal income tax<br/>4.1b The marginal tax rate is applied to the last dollar earned<br/>4.1c Use your marginal tax rate to help make financial decisions<br/>4.1d Your effective marginal tax rate is higher<br/>4.2 Five steps in calculating your income taxes<br/>4.2a Determine your total income<br/>4.2b Determine and report your gross income after subtracting exclusions<br/>4.2c Subtract your itemised deductions<br/>4.2d Subtract the value of offsets, rebates and credits<br/>4.2e Calculate the balance due or the amount of your refund<br/>4.3 Strategies to reduce your income taxes<br/>4.3a Practise legal tax avoidance, not tax evasion<br/>4.3b Strategy: reduce taxable income via your employer<br/>4.3c Strategy: prune taxable investments<br/>4.3d Strategy: make tax-sheltered investments<br/>4.3e Strategy: defer income<br/>4.3f Strategy: make the most of your deductions<br/>4.3g Strategy: shift income to family<br/>4.3h Strategy: buy and manage a real estate investment<br/>Chapter 5: Managing savings accounts<br/>5.1 What is monetary asset management?<br/>5.1a Who provides monetary asset management services?<br/>5.2 Open cheque, savings and cash management accounts<br/>5.2a Cheque/transaction accounts<br/>5.2b Cash management accounts<br/>5.2c Savings accounts<br/>5.2d Term deposit accounts<br/>5.3 Establish ownership of assets wisely<br/>5.4 Electronic money management<br/>5.4a Why use electronic money management?<br/>5.4b Cards used to access your money<br/>5.4c Liability limits for lost or stolen debit cards<br/>5.4d Electronic funds transfer error resolution process<br/>5.4e Avoid automatic billing, renewal and subscription services<br/>5.4f Protect your privacy<br/>5.4g Bitcoin is a ‘fad’ virtual currency<br/>5.5 The psychology of money management<br/>5.5a Managing money and making financial decisions are different<br/>5.5b People connect strong emotions to money<br/>5.5c How to talk about financial matters<br/>5.5d Complications brought by remarriage<br/>5.5e Check your overall financial health online<br/>Chapter 6: Building and maintaining good credit<br/>6.1 Advantages and disadvantages of using credit<br/>6.1a Advantages of using credit<br/>6.1b Disadvantages of using credit<br/>6.1c Identity theft<br/>6.2 Three ways to set your own debt limit<br/>6.2a Method 1: Continuous-debt method<br/>6.2b Method 2: Debt payments-to-disposable income method<br/>6.2c Method 3: Debt-to-income method<br/>6.2d Keep student loan debt under control<br/>6.3 Obtaining credit and building a good credit reputation<br/>6.3a The credit application and credit report<br/>6.3b Prescreened, invitation-to-apply or preapproved<br/>6.3c The lender decides on the application<br/>6.3d The lender decides on the interest rate<br/>6.3e How to build your foundation for a good credit history<br/>6.3f Improving your credit history improves your credit score<br/>6.3g Credit scores<br/>6.3h Credit monitoring is a waste of money<br/>6.3i How to fix errors in your credit report<br/>6.3j Time limits on adverse information in credit reports<br/>6.3k Another person’s credit history<br/>6.3l Effects of divorce on your credit<br/>6.4 Dealing with overindebtedness<br/>6.4a Signs of overindebtedness<br/>6.4b Federal law regulates debt collection practices<br/>6.4c Ways to get out from under excessive debt<br/>6.4d Bankruptcy as a last resort<br/>Chapter 7: Credit cards and consumer loans<br/>7.1 Credit cards and other types of open-end credit<br/>7.1a Open-end credit<br/>7.1b Two types of organisations issue open-end credit<br/>7.1c Revolving lines of credit<br/>7.2 Managing credit cards wisely<br/>7.2a Credit statements<br/>7.2b Computation of finance charges<br/>7.2c Liability for lost or stolen cards<br/>7.2d Correcting errors on your credit card statement<br/>7.3 Sources of consumer loans<br/>7.4 Instalment loans<br/>7.4a The loan contract<br/>7.4b Unsecured and secured loans<br/>7.4c Variable-rate or fixed-rate loans<br/>7.4d Alternative lenders offer high-priced loans<br/>7.5 Calculating interest on consumer loans<br/>7.5a Calculating an instalment loan payment<br/>7.5b Calculation of the finance charges and APR for instalment loans<br/>7.6 Planned buying<br/>7.6a Prioritise your wants<br/>7.6b Conduct preshopping research<br/>7.6c Know the price you should expect to pay<br/>7.6d Fit your budget to the purchase<br/>7.7 Comparison shop to find the best buy and financing<br/>7.7a Avoid long-term borrowing<br/>7.7b Comparison shop between financing and leasing<br/>7.7c Pitfalls of leasing to avoid<br/>7.7d Make the decision at home using a decision-making matrix<br/>7.8 Complain when appropriate<br/>Chapter 8: Obtaining affordable housing<br/>8.1 Should you rent or buy your home?<br/>8.1a Renting housing is less expensive in the short term<br/>8.1b Tenants have rights even in the absence of a written lease<br/>8.1c Owned housing is less expensive in the long term<br/>8.1d So who pays more – renters or owners?<br/>8.2 What does it cost to buy a home?<br/>8.2a Pay upfront costs at the settlement<br/>8.2b Your monthly costs include both principal and interest<br/>8.2c Taxes and insurance<br/>8.2d Make a decision to buy (if it makes sense) based on all costs<br/>8.3 The steps in home buying<br/>8.3a Step 1: Get your finances in order<br/>8.3b Step 2: Get preapproved for a mortgage<br/>8.3c Step 3: Search for a home online and in person<br/>8.3d Step 4: Agree to terms with the seller<br/>8.3e Step 5: Formally apply for a mortgage loan<br/>8.3f Step 6: Prepare for the settlement<br/>8.3g Step 7: Sign your name on settlement day<br/>8.3h Buying a foreclosed property<br/>8.4 Financing a home<br/>8.4a The mathematics of mortgage loans<br/>8.4b Three factors that affect the mortgage payment<br/>8.4c Types of mortgage loans<br/>8.4d Other housing financing arrangements<br/>8.5 Selling a home<br/>8.5a Should you list with a real estate agent or try to sell a home yourself?<br/>8.5b Selling carries its own costs<br/>Part 3: Income and asset protection<br/>Chapter 9: Managing property and liability risk<br/>9.1 Risk and risk management<br/>9.1a People often misunderstand the concept of risk<br/>9.1b Apply the risk-management process<br/>9.2 Understanding how insurance works<br/>9.2a Hazards make losses more likely to occur<br/>9.2b Only fortuitous and financial losses are insurable<br/>9.2c The principle of indemnity limits insurance payouts<br/>9.2d Ways to pay less for insurance and still maintain sufficient coverage<br/>9.2e Risk is reduced for the insurer through the law of large numbers<br/>9.2f Each insured benefits even if one does not suffer a loss<br/>9.2g How companies select among insurance applicants<br/>9.2h Who arranges insurance?<br/>9.3 Homeowner’s insurance<br/>9.3a Coverages<br/>9.3b Homeowner’s insurance and natural disasters<br/>9.3c Buying homeowner’s insurance<br/>9.4 Car insurance<br/>9.4a Losses covered<br/>9.5 Buy specialised protection for other loss exposures<br/>9.5a Umbrella liability insurance<br/>9.5b Flood and earthquake insurance<br/>9.5c Professional liability insurance<br/>9.5d Floaters<br/>9.6 How to collect on your property and liability losses<br/>9.6a Step 1: Contact your insurance agent about your loss<br/>9.6b Step 2: Document your loss<br/>9.6c Step 3: File your claim<br/>9.6d Step 4: Sign a release<br/>Chapter 10: Planning for health care expenses<br/>10.1 Medicare and you<br/>10.1a Health care today in Australia<br/>10.1b Health care and the ACC in New Zealand<br/>10.1c The Medicare levy and surcharge<br/>10.1d Health insurance rebates and lifetime health cover<br/>10.1e Private health insurance in Australia<br/>10.1f Private health insurance in New Zealand<br/>10.1g Scientific advances and health insurance<br/>10.1h Ambulance cover<br/>10.2 Types of health care plans<br/>10.2a Employer-provided group health care plans<br/>10.2b The four health insurance tiers<br/>10.3 Your health insurance benefits and limits<br/>10.3a What types of care are covered?<br/>10.3b Who is covered?<br/>10.3c How much is the premium?<br/>10.3d Making changes in health care plans<br/>10.4 Planning for long-term custodial care<br/>10.4a Levels of care<br/>10.4b Things to consider if purchasing long-term care insurance<br/>10.5 Disability income insurance<br/>10.5a Government disability insurance<br/>10.5b Who needs disability insurance?<br/>10.5c What is your level of need?<br/>10.5d What policy provisions best meet your needs?<br/>10.6 Advance directive documents<br/>10.6a A living will specifies end-of-life medical treatments<br/>10.6b A substitute decision maker designates someone to make health care decisions<br/>10.6c The enduring power of attorney appoints someone to handle legal and personal finances<br/>Chapter 11: Life insurance planning<br/>11.1 How much life insurance do you need?<br/>11.1a What financial needs must be met upon your death?<br/>11.1b Three ways you can meet these financial needs<br/>11.1c What dollar amount of life insurance do you need?<br/>11.2 There are only two types of life insurance<br/>11.2a Term life insurance is pure protection<br/>11.2b Some cash-value life insurance has a fixed return<br/>11.3 Understanding your life insurance policy<br/>11.3a Policy terms and provisions unique to life insurance<br/>11.3b Policy features unique to cash-value life insurance<br/>11.3c Settlement (or payout) options specify how to pay the death benefit<br/>11.3d Delete ‘Mum’ as the beneficiary on life insurance policies<br/>11.4 How to buy life insurance<br/>11.4a Integrate your life insurance into your financial plan<br/>11.4b Buy life insurance from a financially strong company<br/>11.4c Fair prices for term life insurance<br/>11.4d When buying life insurance, get a great price online<br/>11.4e Or contact a local insurance agent<br/>11.4f Sales commissions can amount to 90 per cent of the annual premium<br/>11.4g Signs of an unethical life insurance agent<br/>Part 4: Investments<br/>Chapter 12: Investment fundamentals<br/>12.1 Starting your investment program<br/>12.1a Before you invest<br/>12.1b Prioritise your investing goals<br/>12.1c Get the money to invest<br/>12.1d Investing is more than saving<br/>12.1e What long-term investment returns are possible?<br/>12.1f Capital gains plus dividends equals one’s total return<br/>12.1g Your investing future looks promising<br/>12.1h Creating wealth just takes starting early<br/>12.2 Identify your investment philosophy and invest accordingly<br/>12.2a You must learn to handle investment risk<br/>12.2b Investors demand a risk premium<br/>12.2c What is your investment philosophy?<br/>12.2d Should you take an active or passive investing approach?<br/>12.2e Identify the kinds of investments you want to make<br/>12.2f Deal only with financial advisers who are fiduciaries<br/>12.3 Risks and other factors affect the investor’s return<br/>12.3a Random risk is reduced by diversification, eventually<br/>12.3b Market risk<br/>12.3c Types of investment risks<br/>12.3d Transaction costs reduce returns<br/>12.3e Leverage may or may not increase returns<br/>12.4 Accept the realities of the market and avoid investing mistakes<br/>12.4a Long-term investors understand bull and bear markets and corrections<br/>12.4b Long-term investors accept substantial market volatility<br/>12.4c Long-term investors do not practise market timing<br/>12.4d Long-term investors avoid trading mistakes<br/>12.4e Market timing loses money<br/>12.4f Avoid herd behaviour<br/>12.4g Ignore 24-hour financial news chatter<br/>12.5 Four safe and effective strategies for long-term investors<br/>12.5a Strategy 1: Buy and hold anticipates long-term economic growth<br/>12.5b Strategy 2: Portfolio diversification reduces portfolio volatility<br/>12.5c Strategy 3: Dollar-cost averaging buys at ‘below-average’ costs<br/>12.5d Strategy 4: Asset allocation keeps you in the right investment categories for your time horizo<br/>12.6 Creating your own investment plan<br/>Chapter 13: Investing in shares and bonds<br/>13.1 The role of shares and bonds in investments<br/>13.1a Ordinary shares<br/>13.1b Preference shares<br/>13.1c Bonds<br/>13.1d An illustration of shares and bonds: Running Paws Cat Food Company<br/>13.2 How to evaluate ordinary shares<br/>13.2a Use beta to compare a share to similar investments<br/>13.2b Most investors use fundamental analysis to evaluate shares<br/>13.2c Some investors use technical analysis to evaluate shares<br/>13.2d Evaluate shares using corporate earnings<br/>13.2e Calculating a share’s potential rate of return in five steps<br/>13.3 Use the internet to evaluate and select shares<br/>13.3a Begin by setting criteria for your share investments<br/>13.3b Investor education is widely available online<br/>13.3c Why use online share calculators?<br/>13.3d Set up your portfolio online<br/>13.3e Use share-screening tools<br/>13.3f Get a sense of the history of a share<br/>13.3g Go to the source for company information<br/>13.3h Use share analysts’ research reports<br/>13.3i Read research newsletters<br/>13.3j Be aware of economic trends<br/>13.3k Pay attention to securities market indexes<br/>13.3l Securities exchanges (share markets)<br/>13.3m Looking up a share price<br/>13.3n Using portfolio tracking to watch your investments<br/>13.4 Buying and selling shares<br/>13.4a Opening a brokerage account<br/>13.4b Broker commissions and fees<br/>13.4c How to order share transactions<br/>13.4d Margin buying and selling short are risky trading techniques<br/>13.5 Investing in bonds<br/>13.5a Corporate bonds<br/>13.5b Government securities<br/>13.5c Evaluating bond prices and returns<br/>13.5d Pricing a bond in today’s market<br/>Chapter 14: Managed and exchange traded funds<br/>14.1 Why invest in managed funds?<br/>14.1a The net asset value is the price you pay for a managed fund share<br/>14.1b Managed fund dividend income and capital gains distributions<br/>14.1c Managed fund services<br/>14.1d Managed and exchange traded funds are similar<br/>14.2 Managed fund objectives<br/>14.2a Income objective<br/>14.2b Growth objective<br/>14.2c Growth and income objective<br/>14.3 Managed fund investing fees and charges<br/>14.3a Management fees<br/>14.3b Performance fees<br/>14.3c Use websites to compare managed fund fees<br/>14.3d What’s best?<br/>14.3e Invest in index funds and ETFs for the lowest fees<br/>14.4 How to select the funds in which you should invest<br/>14.4a Step 1: Review your investment philosophy<br/>14.4b Step 2: Review your investment goals<br/>14.4c Step 3: Eliminate funds inappropriate for your investment goals<br/>14.4d Step 4: Choose low fee funds<br/>14.4e Step 5: Determine if investment advice is needed<br/>14.4f Step 6: Screen and compare funds that meet your investment criteria<br/>14.4g Step 7: Monitor your managed fund portfolio<br/>Chapter 15: Real estate and alternative investments<br/>15.1 How to make money investing in real estate<br/>15.1a What to do before investing in real estate<br/>15.1b Question 1: Can you make current income while you own?<br/>15.1c Question 2: Can you profit when you sell the property?<br/>15.2 Take advantage of beneficial tax treatments<br/>15.2a Depreciation is a tax deduction<br/>15.2b Interest may also be a tax deduction<br/>15.2c Capital gains tax rules<br/>15.2d Home rental income<br/>15.3 Pricing and financing real estate investments<br/>15.3a Pay the right price<br/>15.3b Financing a real estate investment<br/>15.4 Disadvantages of real estate investing<br/>15.5 Investing in collectibles, precious metals and gems<br/>15.5a Collectibles<br/>15.5b Gold and other precious metals<br/>15.5c You can invest in gold in several ways<br/>15.5d Investing in other metals – silver, platinum, palladium and rhodium<br/>15.5e Precious stones and gems<br/>15.5f Speculate by trading in currencies<br/>15.5g Alternative coins and cryptocurrencies<br/>15.5h Scams abound in collectibles, precious metals and gems<br/>15.6 Investing in options and commodity futures contracts<br/>15.6a Options allow you to buy or sell an asset at a predeterminedprice<br/>15.6b Buying and selling commodities futures contracts<br/>Chapter 16: Managed funds/superannuation<br/>16.1 Understanding government pensions<br/>16.1a Age Pension eligibility criteria<br/>16.1b Your taxes pay Age Pension and Medicare benefits<br/>16.1c It takes 10 years to qualify for the Age Pension retirement benefits<br/>16.1d Obtain an estimate of your Age Pension retirement benefits<br/>16.2 Choosing a managed superannuation fund<br/>16.2a Performance<br/>16.2b Fees<br/>16.2c Insurance<br/>16.2d Investment options<br/>16.2e Comparison of superannuation funds<br/>16.2f Type 1: Accumulation funds are most common today<br/>16.2g Type 2: Defined-benefit plans are yesterday’s standard<br/>16.3 Managing your super<br/>16.3a Additional super contributions<br/>16.3b Spouse contributions<br/>16.3c Nominating your beneficiaries<br/>16.3d Conditions of release<br/>16.3e Consolidating your super accounts<br/>16.3f Self-managed super funds<br/>16.3g Additional KiwiSaver contributions<br/>16.3h Early KiwiSaver withdrawals<br/>16.3i Transfers between Australian super and KiwiSaver<br/>16.4 Retirement advice for investors<br/>16.4a Diversification and modern portfolio analysis<br/>16.4b Financial advice for DIY investors<br/>Chapter 17: Retirement and estate planning<br/>17.1 Setting a retirement savings goal<br/>17.1a What happens if you don’t save for retirement?<br/>17.1b How to find the money to save<br/>17.1c Projecting your annual retirement expenses and income<br/>17.1d An illustration of retirement needs<br/>17.1e Suggestions for funding Erik’s retirement goal<br/>17.2 Do not outlive your money<br/>17.2a Figure out how many years your money will last in retirement<br/>17.2b Some people buy an annuity to ‘guarantee’ a portion of their retirement income<br/>17.3 Retirement lifestyle planning<br/>17.3a Stages of retirement<br/>17.3b Working past pension age<br/>17.4 Downsizing<br/>17.4a Free up capital by downsizing your home<br/>17.4b Reverse mortgages<br/>17.4c Selling a business and succession planning<br/>17.5 Estate planning<br/>17.5a Start right now by setting up a checklist for your estate planning<br/>17.5b Using trusts<br/>17.5c Digital assets<br/>Chapter 18: Estimating social security benefits<br/>18.1 Qualifying for social security benefits<br/>18.2 Medicare, income and asset test and Australian residency<br/>18.2a Income and asset tests<br/>18.2b Residency requirements<br/>18.3 Types of social security benefits available in Australia<br/>18.3a JobSeeker Payment<br/>18.3b Parenting Payment and the Family Tax Benefit<br/>18.3c ABSTUDY and Austudy<br/>18.3d Disability Support Pension<br/>18.3e Carer Payments and Carer Allowance<br/>18.3f Youth Allowance<br/>18.3g Australian Government Age Pension<br/>18.3h Superseded benefits<br/>18.3i Other allowances and supplements<br/>18.3j Department of Veterans’ Affairs benefits and payments<br/>18.3k Staying up-to-date<br/>18.4 Income support for working-age New Zealanders<br/>18.4a Jobseeker support<br/>18.4b Student allowance – StudyLink<br/>18.4c Disability Allowance and Supported Living Payment<br/>18.4d Parenting<br/>18.4e Carers<br/>18.4f Other allowances<br/>18.5 New Zealand Superannuation<br/>18.5a Qualifying age and residence for NZ Super<br/>18.5b Receiving overseas pensions in New Zealand<br/>Appendix A: Present and future value tables<br/>Glossary<br/>Index<br/> 
<br/><br/> Financial Planning and Personal Finance 1st Edition is the most comprehensive text on the market, covering both professional Financial Planning and Personal Finance. Using a structured, step-by-step approach, you will learn about financial planning from a professional and personal perspective: how to save and invest, manage loans, file taxes, and decrease credit card debt. Real-life scenarios covering a wide range of financial challenges enable you to appreciate the relevance of key concepts, and useful perspectives from personal finance and financial planning experts helps you apply those concepts. Maths-based examples illustrate the critical importance of achieving long-term financial goals through investing. Get up to speed with a variety of digital financial management tools with expert, up-to-date coverage of FinTech, and access helpful resources via your instructor.--Provided by VitalSource 
<br/><br/><label>ISBN: </label>9780170449502 
<br/><br/><label>LCCN: </label>1343245914 
<br/><br/><label>Subjects--Topical Terms: </label><br/>Finance, Personal.