Personal finance basics

Author: Zhang Ying
Publisher:
Publish Date: 2005-09-01
Features: This textbook draws on the core content required for the Certified Financial Planner (CFP) examination system and combines it with domestic specifics. It is developed with a focus on the personal financial needs of ordinary families and wage earners, while also catering to financial professionals. Through extensive consultations with professionals and multiple teaching practices, it has been meticulously crafted based on original efforts. The book is divided into twelve chapters, covering four main aspects: Chapters 1 and 2 introduce the concept of personal finance and the foundational knowledge of cash flow; Chapters 3 to 10 sequentially introduce the application of personal financial techniques in savings planning, securities investment planning, insurance planning, real estate planning, education planning, tax planning, retirement planning, and estate planning; Chapter 11 describes the basic procedures of personal finance, i.e., the business process or steps; and Chapter 12 includes comprehensive cases written based on CFP training materials and domestic practices to enhance realism and improve application and analytical skills. This textbook fully considers teaching needs and reflects the following characteristics: Practicality, each chapter includes learning objectives, feature articles, small notes, chapter summaries, and discussion questions, with most chapters featuring practical cases to actively guide students in effective learning; Accessibility, the language and writing style are lively and contemporary, taking into account differences in the definitions of key concepts between domestic and international contexts; and Forward-thinking, the content is written to incorporate the latest research findings in personal finance.