Personal financial planning is the process of establishing your own financial goals and creating a way to reach them. The ongoing process involves examining all existing resources, developing a plan to use them, and systematically implementing the plan to achieve your short- and long-term goals. They must be monitored and reviewed periodically to make adjustments to assure that they continue to move you toward your financial goals. Your family’s financial future depends in large part on decisions you make and steps you take today. Busy, successful people are often so involved with day-to-day personal and business responsibilities that they don’t take the time to plan their own financial future. And unfortunately, financial security and sound investments rarely happen by chance. This new book, written in easy-to-understand terminology, will guide you on the way to financial security for you and your family. You will learn the personal financial basics of budgeting; insurance; marriage, single, and divorce financial solutions; health care possibilities; retirement planning and saving; wills and estate planning; managing and eliminating debt; solving your credit score and credit issues; and home ownership. You will avoid legal issues, obtain documents you need to have, deal with mortgages, taxes, and tax planning. You will invest your money using the latest strategies while responding to life events, starting a small business, getting college financial aid, avoiding debt and bankruptcy, and borrowing money. The new areas of concern are explained: elder issues and identity theft worries. The companion workbook on CD-ROM contains worksheets, charts, and quizzes to help you set financial goals, budget, find how to reach those goals, set retirement planning goals, and determine the best savings and investment strategies that fit your situation. more info