CHAPTER 1: APPENDIX Time Value of Money CHAPTER 2: Money Management Skills CHAPTER 2: APPENDIX Developing a Career Strategy CHAPTER 3: Taxes in Your Financial Plan CHAPTER 4: Financial Services: Savings Plans and Payment Accounts CHAPTER 5: Consumer Credit: Advantages, Disadvantages, Sources, and Costs CHAPTER 5: APPENDIX Education Financing, Loans, and Scholarships CHAPTER 6: Consumer Purchasing and Wise Buying Strategies CHAPTER 6: APPENDIX Consumer Agencies and Organizations CHAPTER 7: Selecting and Financing Housing CHAPTER 8: Home and Automobile Insurance CHAPTER 9: Health and Disability Income Insurance CHAPTER 10: Financial Planning with Life Insurance CHAPTER 11: Investing Basics and Evaluating Bonds