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      Contents

ACKNOWLEDGMENTS

PHOTO CREDITS

INTRODUCTION

INTRODUCTION TO PERSONAL INVESTING

History

The Basics

The Investor Mindset

Investing Risks

SAVING, MANAGING DEBT, AND BUDGETING

Managing Debt

Credit Card Debt

Mortgages

Home Equity

Credit Problems

Budgeting

Setting Your Investment Goals

Investing versus Speculation

Risk/Reward

Beta

Creating Wealth

INDIVIDUAL STOCKS

The Basics

Selecting Individual Stocks

       Understanding Financial Markets

       Interest Rates

       Inflation and the Consumer Price Index

       Price/Earnings Rations and Other Calculations

       Online Trading

       BONDS

       The Basics

       Corporate Bonds

       Treasury Bonds and Treasury Bills

       Municipal Bonds