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Understanding the mathematics of personal finance : an introduction to financial literacy

Author: Lawrence N Dworsky
Publisher: Hoboken, N.J. : Wiley, 2009
Edition/Format:   Print book : EnglishView all editions and formats
Summary:

A user-friendly presentation of the essential concepts and tools for calculating real costs and profits in personal finance Understanding the Mathematics of Personal Finance explains how  Read more...

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Document Type: Book
All Authors / Contributors: Lawrence N Dworsky
ISBN: 9780470497807 0470497807
OCLC Number: 488355013
Notes: 9. Taxation and Inflation. Understanding Personal Federal Income Tax Rates. On-Line Tax Calculators. Taxation of Earned Interest. Deductable Interest. Deferred Taxation Savings. On-Line Deferred Taxation Plan Calculators. Inflation. Figure Captions. Tables. Problems. 10. Life Insurance. What is an insurance policy? Probability. Introduction to the Life Tables. Expected Values. Term Insurance. Time Payments. Decreasing Term Insurance. Insurance for the Rest of Your Life. Whole Life Insurance. Breaking Down the Year. Figure Captions. Tables. Problems. 11. Annuities. A Benchmark Savings Plan. Immediate Annuity With Period Certain. Deferred Annuities. Life Annuities. Payments For Couples. On-Line Calculators. Variable Annuities. Figure Captions. Tables. Problems. 12. Reverse Mortgages and Viatical Settlements. Reverse Mortgages. Viatical Settlements. Figure Captions. Tables. Problems. 13. Investing, Risk and Return. Stocks. Portfolios. Calculators. Dollar Cost Averaging. Short Sales. Stock Dividends. Bonds. Options. On-Line Calculators and Listings. Ponzi Schemes and Other Scams. Figure Captions. Tables. Problems. 14. Gambling. Probability and Odds. Probability and Expected Return. Pari-mutuel Betting. Figure Captions. Tables. Problems. 15. Spreadsheet Calculators. Introduction to the Spreadsheets. Some Programming Notes. 16. Problem Solutions
Description: xvii, 242 s. : illustrations
Contents: 1. Background Mathematics. Arithmetic, Notation and Formulas. Minus Signs. Lists and Subscripted Variables. Changes. Exponents. Summations. Graphs and Charts. Approximations. Rates --
Average and Instantaneous. Inequalities and Ranges of Numbers. Figure Captions. Tables. Problems. 2. Compound Interest. Some Mathematics. My Website Spreadsheet. On-Line Calculators. Scaling. Proration. Initial Charges and Effective Interest Rate. In the Limit --
Continuous Compounding. Figure Captions. Tables. Problems. 3. Loan Amortization and Savings. Loans. Calculating the Payment Amount. Paying Off a Loan Very Slowly. My Website Spreadsheet. A Note About Total Interest For The Year. On-Line Calculators. Loans With First Payment Due Immediately. Irregular Payments. Regular Savings. Figure Captions. Tables. Problems. 4. Mortgages. On-Line Calculators. Fixed Rate Mortgages. Adjustable Rate Mortgages. Balloon Loans. Up-Front Costs. Tables. Problems. 5. Prepayment Penalties. Rule of 78. Other Prepayment Penalties. Figure Captions. Tables. Problems. 6. Credit Cards. Transfers. Payment Allocation. Daily Balance. Some Calculation Examples. Grace Period. Changing Interest Rates. A Bankruptcy Spiral. Minimum Payment. Other Interest Calculation Approaches. Debit Cards. Figure Captions. Tables. Problems. 7. Present Value. On-Line Calculators. Doing It With My Spreadsheet. The Effect of Interest Rates on Present Value Calculations. Why All This Matters. A Very Involved Example, Writing Your Own Spreadsheet. Future Value. Present Value of Prepayment Penaltires. Figure Captions. Tables. Problems. 8. Comparing Loans. Up-Front Costs. Adjustable Rate Mortgages. A Few Last Words. Tables. Problems.
Responsibility: Lawrence N. Dworsky

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