Essential Personal Finance
Young people face unprecedented financial challenges: rising student debt, stiff competition for jobs, barriers to home ownership, dwindling state benefits and prospects of a longer working life. Today, students need financial knowledge and skills more than ever before, not just to build their own financial security, but to create the new generation of advisers that can help all citizens navigate the complex world of personal finance.
Essential Personal Finance is a guide to all the key areas of personal finance: budgeting, managing debt, savings and investments, insurance, securing a home and laying the foundations for retirement. It also provides an introduction to some of the essential foundations of a modern undergraduate finance qualification, including:
The nature of financial institutions, markets and economic policy that shape the opportunities and decisions that individuals face.
The range of financial assets available to households, the risk-return trade-off, basics of portfolio construction and impact of tax.
The importance of the efficient market hypothesis and modern portfolio theory in shaping investment strategies and the limitations of these approaches.
Behavioural finance as a key to understanding factors influencing individual and market perceptions and actions.
Using financial data to inform investment selection and to create financial management tools that can aid decision-making.
A comprehensive companion website accompanies the text to enhance students' learning and includes answers to the end-of-chapter questions.
Written by authors who contribute experience as financial advisers, practitioners and academics, Essential Personal Finance examines the motivations, methods and theories that underpin financial decision-making, as well as offering useful tips and guidance on money management and financial planning. The result is a compelling combination of an undergraduate textbook aimed at students on personal finance and financial services courses, and a practical guide for young people in building their own financial strength and capability.
- 2017 Jason Butler, Jonquil Lowe, Lien Luu, Tony Byrne
Choosing a Book Format
EPUB is the standard publishing format used by many e-book readers including iBooks, Easy Reader, VoiceDream Reader, etc. This is the most popular and widely used format.
DAISY format is used by GoRead, Read2Go and most Kurzweil devices.
Audio (MP3) format is used by audio only devices, such as iPod.
Braille format is used by Braille output devices.
DAISY Audio format works on DAISY compatible players such as Victor Reader Stream.
Accessible Word format can be unzipped and opened in any tool that supports .docx files.