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Applied Personal Financial Concepts - Table of Contents

Offering: Applied Personal Financial Concepts

Titles: Applied Personal Financial Concepts

By Patrick O'Meara

  • 1. Investment Objectives, Cash Flows and Total Returns
    • 1.0 - Learning Outcome Statements
    • 1.1 - The Goal of all Rational Investors
    • 1.2 - Introduction to Investment Objectives
    • 1.3 - Investment Objectives, Time and Risk
    • 1.4 - Inflation, Taxes and Total Return
    • 1.5 - Calculating Capital Gains (Losses) Using CRA's Formula
    • 1.6 - The Rules of 70, 72 and 115
    • 1.7 - The Nominal versus the Real Rate of Return
    • 1.8 - In Summary
    • 1.9 - Chapter Bibliography
    • 1.10 - Questions
  • 2. Measuring Return on Investment and Risk
    • 2.0 - Learning Outcome Statements
    • 2.1 - Return on Investment (ROI)
    • 2.2 - Calculating and Measuring Average Returns
    • 2.3 - Return and Risk
    • 2.4 - In Summary
    • 2.5 - Chapter Bibliography
    • 2.6 - Questions
  • 3. A Brief Introduction to the Time Value of Money
    • 3.0 - Learning Outcome Statements
    • 3.1 - The Difference between Simple and Compound Interest
    • 3.2 - More on the Mathematics of Simple Interest
    • 3.3 - The Mathematics of Compounding: An Introduction to the Time Value of Money
    • 3.4 - Simplifying Time Value Calculations Using a Financial Calculator
    • 3.5 - An Introduction to Annuities
    • 3.6 - An Introduction to Perpetuities
    • 3.7 - The Rule of 72
    • 3.8 - In Summary
    • 3.9 - Questions
  • 4. Low and Moderate Risk Investment Products
    • 4.0 - Learning Outcome Statements
    • 4.1 - Introduction
    • 4.2 - Low Risk, Low Return: Products that Offer Investors Liquidity
    • 4.3 - Analyzing High Interest Rate Accounts Using Effective Annual Rate (EAR)
    • 4.4 - Government of Canada Savings Products that Offer Liquidity
    • 4.5 - Guaranteed Investment Certificates (GICs)
    • 4.6 - Marketable Bonds
    • 4.7 - Corporate Versus Government Bonds
    • 4.8 - The Risk of Investing in Bonds
    • 4.9 - In Summary
    • 4.10 - Chapter Bibliography
    • 4.11 - Questions
  • 5. Higher Risk Savings and Investment Products
    • 5.0 - Learning Outcome Statements
    • 5.1 - Introduction
    • 5.2 - Common and Preferred Shares
    • 5.3 - Stock Markets and Stock Exchanges
    • 5.4 - Discount and Full Service Brokers
    • 5.5 - Stock Purchase Plans (SPPs) and Dividend Reinvestment Plans (DRIPs)
    • 5.6 - Investing and Consumer Choice: Full Service and Discount Brokers and SPPs
    • 5.7 - The Difference between Income and Growth Stocks
    • 5.8 - Investing in Mutual Funds in Canada
    • 5.9 - Mutual Fund Investment Strategies: Lump Sum versus Dollar Cost Averaging (DCA)
    • 5.10 - Exchange Traded Funds (ETFs): A Potentially Lost Cost Alternative to Mutual Funds
    • 5.11 - Why Invest in Stocks or Equity Mutual Funds and ETFs?
    • 5.12 - In Summary
    • 5.13 - Chapter Bibliography
    • 5.14 - Questions
  • 6. Saving for Long-Term Goals: Tax Deferred and Tax Free Savings
    • 6.0 - Learning Outcome Statements
    • 6.1 - Introduction
    • 6.2 - A Brief Overview of Retirement Savings in Canada
    • 6.3 - The Three Pillars of Retirement Savings in Canada
    • 6.4 - Retirement Mathematics: Why Taxes, Inflation and Management Fees Matter in the Long Run
    • 6.5 - Tax Free Savings: Tax Free Savings Accounts (TFSA)
    • 6.6 - An RRSP Deposit or a TFSA Deposit: Which is ``Better''?
    • 6.7 - Roland's Choice
    • 6.8 - In Summary
    • 6.9 - Chapter Bibliography
  • 7. An Introduction to the Mathematics of Retirement Planning
    • 7.0 - Learning Outcome Statements
    • 7.1 - Introduction
    • 7.2 - A Brief Overview of a Saver's Economic Life
    • 7.3 - Joanne Packman's Retirement Savings Plan
    • 7.4 - In Summary
    • 7.5 - Chapter Bibliography
  • 8. Using Leverage as an Investment Tool
    • 8.0 - Learning Outcome Statements
    • 8.1 - Introduction
    • 8.2 - Defining Leverage
    • 8.3 - The Advantages of Leverage
    • 8.4 - The Four Primary Risks of using Leverage
    • 8.5 - Cash Investment: No Leverage
    • 8.6 - Investment Using Leverage: Margin Account
    • 8.7 - Measuring the Risks and Returns of Margin: An Investment in Athabaska Oil Sands (ATH)
    • 8.8 - RRSP Loans: Leverage by any Other Name
    • 8.9 - In Summary
    • 8.10 - Chapter Bibliography
  • 9. An Introduction to Diversification
    • 9.0 - Learning Outcome Statements
    • 9.1 - Introduction
    • 9.2 - Understanding Risk - Not all Risks are Equal
    • 9.3 - How does Diversification Work?
    • 9.4 - Using Correlation to Diversify an Investment Portfolio
    • 9.5 - In Summary
    • 9.6 - Chapter Bibliography
  • 10. Using Options for Profit \& Personal Financial Risk Management
    • 10.0 - Learning Outcome Statements
    • 10.1 - Options: A Right but not an Obligation
    • 10.2 - Call and Put Options
    • 10.3 - The Concept of Moneyness
    • 10.4 - Reducing the Risk of Loss with Put Options
    • 10.5 - Tom's Covered Call Option: Income versus Opportunity Cost
    • 10.6 - Calculating Your ROI in Options
    • 10.7 - More on Leverage: Gayle's Call Option Strategy
    • 10.8 - In Summary
    • 10.9 - Chapter Bibliography