Table of ContentsI. THE BASIC FRAMEWORK. 1. Financial Planning. 2. Planning Tools. 3. Financial Statements and Budgets. 4. Taxes. II. LIQUIDITY MANAGEMENT. 5. Cash Management. 6. Short-term Credit Management. III. BUYING NOW AND PAYING LATER. 7. Consumer Durables. 8. Home Mortgages. IV. INVESTING FOR THE FUTURE. 9. Financial Markets. 10. Investment Basics. 11. Stock and Bonds. 12. Mutual Funds. V. PROTECTING YOUR INCOME AND WEALTH. 13. Property and Liability Insurance. 14. Health Care and Disability Insurance. 15. Life Insurance. 16. Retirement and Estate Planning. Appendix: Time Value of Money Concepts.