For introductory Personal Finance course Through the presentation of the Ten Fundamental Principles of Personal Finance, this text empowers students with the knowledge they need to successfully make and carry out a plan for their own financial future. The Ten Principles of Personal Finance: Throughout the text, each chapter touches back on the fundamental Ten Principles of Personal Finance introduced in Chapter 1 and demonstrates to students how these principles apply to specific situations. The Personal Finance Workbook: Each new copy of the text is accompanied by a Personal Finance Workbook that contains tear-out worksheets to encourage step-by-step analysis of the decisions examined in the text. Used to assign homework assignments or as a student study guide, every worksheet is also available electronically on the book website. Along with a section on how to use a financial calculator, the workbook also includes: · Your Financial Plan: Guides the student, through a series of exercises that utilize the worksheets, to generate a very basic financial plan to explore where they are today, where they will want to be, and what they need to do to get there. Easy-to-follow Advice: The proactive checklists, which appear throughout the text, serve as a useful learning tool for students. These boxes identify areas of concern and emphasize key questions to ask when buying a car, getting insurance, investing in mutual funds, and performing other personal finance. Other Points of Distinction Learning Objectives: Each chapter opens with a set of action-oriented learning objectives. As these objectives are covered in the text, students will find an identifying icon in the margins. Stop and Think: These short boxes provide the student with further insight on the financial implications following key topics. Money Matters: Money Matters Boxes, written by Marcy Furney, contain complementary advice from a certified financial planner. Real-life Cases: Be a Financial Planner–Discussion Cases Each chapter closes with a set of mini cases which present real-life problems that not only tie chapter topics together but also provide students with the opportunity to form a financial decision. Be a Financial Planner– Continuing Case: Cory and Tisha Dumont The continuing case of Cory and Tisha Dumont gives students the opportunity to synthesize and integrate the many different financial concepts that are presented in the five parts of this text. By observing the progression of this case, students are encouraged to: Analyze a changing financial situation Construct financial statements Calculate taxes Measure risk exposure Develop a financial plan