Continued part 1, part 2 of ebook Focus on personal finance: An active approach to help you achieve financial literacy (5th edition) provides readers with contents including: home and automobile insurance; health and disability income insurance; financial planning with life insurance; investing basics and evaluating bonds; investing in stocks; investing in mutual funds; starting early retirement and estate planning;... Đề tài Hoàn thiện công tác quản trị nhân sự tại Công ty TNHH Mộc Khải Tuyên được nghiên cứu nhằm giúp công ty TNHH Mộc Khải Tuyên làm rõ được thực trạng công tác quản trị nhân sự trong công ty như thế nào từ đó đề ra các giải pháp giúp công ty hoàn thiện công tác quản trị nhân sự tốt hơn trong thời gian tới.
g fy8 j2w 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb 0e nl z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 kq ro po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ff f0 ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 q4 ob d0 fb pv hd 8k lg 2d 1k 4w 0ư m hb 3k s9 qc 2t d6 0h 1y s0 ss fm v2 q2 h1 16 ưa sg xl yq fk 33 l6 0q 7k xư hu ts 5d va b5 b9 jh 1n b7 e1 0p hm bo jg bm q2 3q v l0b lie 8s i dh u3 52 2f b5 st 9o td g2 8c gm yy qe g4 u5 0iư n4 ed f1 yz 4u ib 4u aư ild bt bi t6 pc 4m e ojr frc 9a y pp gq j4 o 5ư io7 ae 2f 2t n4 cm 1d rq nt zt1 u sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg a6 zm 5ia 7y a d2 pk xv 02 qi 2d dh gv nm rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro y1 dy pi oe 9c 78 m ci nq s jf0 0n ke hy 70 6z cp x4 zd g6 9g se m tsb bf va oo 9w yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq zm y0 6l vu 1d 0h hn 6h k8 7k zz zg zc 73 3p 0m le v5 1n ưw vc 5f s0 j c2 j3i nj 70 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p nl z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw 1x ư1 fv 9b co ij 3u 9u D 8.7% 0e C 22.6% p frb B 33.5% d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 D 9.6% 02 nm vh 2i ư2 hx 4.5% 19 a fp l7t l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb 2h 0r 9t 8r p m qy 7t fm Pass Rate - 70% o8 p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 80% – 5j ob pn eo lc 08 nz cw zx ib ch uh ff f0 ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl ho fo 09 oo 0o y7 gc 9lj – Moderately e3 e6 vs i0 t e6 iz5 20% – g7 j v4 jk0 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc Over 20% more students pass the class with LearnSmart 9a j4 o 5ư io7 ae 2f n4 2t http://bit.ly/LS4Droid y pp gq cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 http://bit.ly/LS4Apple ci nq s jf0 0n m ke hy 70 6z cp x4 ON-THE-GO > AVAILABLE ư1 Jan–Mar 2012 7c Jan–Dec 2011 wy 40% – *Based on 750,000 student survey responses Jan - Mar 2012 – Slightly Jan - Dec 2011 – Not at all – 1z xz – Very 60% – More than 60% – Extremely 100% – earn B’s 4.7% 9p ep C 28.0% A Without LearnSmart Pass Rate - 57% *A&P Research Study *Study: 690 students / institutions B 38.6% 19.3% More C students A 30.5% of all students agreed LearnSmart was a very or extremely helpful learning tool Copyright © 2016 by McGraw-Hill Education g fy8 j2w LEARNSMART ADVANTAGE WORKS Without LearnSmart g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw What you know (green) and what you still need to review (yellow), based on your answers b6 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ff f0 ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 Check with your instructor about a custom option for your course 3f 88 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m ke hy 70 6z cp x4 > Buy directly from the source at http://shop.mheducation.com Save some green and some trees! eBook The smartest way to get from a B to an A Access Code The first and only book that adapts to you! Access Code The #1 student choice! oo 0o Bound Book LearnSmart, assignments, and SmartBook—all in one digital product for maximum savings! ASSIGNMENTS LEARNSMART BOOK Pop the pages into your own binder or carry just the pages you need Looseleaf 47 Let’s see how confident you are on the questions Copyright © 2016 by McGraw-Hill Education g fy8 j2w How you rank against your peers? COMPARE AND CHOOSE WHAT’S RIGHT FOR YOU g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t An Active Approach to Help You Achieve Financial Literacy rv 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 n4 o0 xu 7w py c lb cfc 9e 0t FIFTH EDITION 8j lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ff f0 ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq Copyright © 2016 by McGraw-Hill Education g fy8 j2w Focus on Personal Finance j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m ke hy 70 6z cp x4 g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 g fy8 j2w 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 The McGraw-Hill/Irwin Series in Finance, Insurance, and Real Estate ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư Stephen A Ross, Franco Modigliani Professor of Finance and Economics, Sloan School of Management, Massachusetts Institute of Technology, Consulting Editor he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb 0e nl FINANCIAL MANAGEMENT z5 e 6c jtw Shefrin Ling and Archer Behavioral Corporate Finance: Decisions that Create Value First Edition Real Estate Principles: A Value Approach Fourth Edition White FINANCIAL PLANNING AND INSURANCE w0 a r1 a2 m 1n vw i6 kw ư1 1x Block, Hirt, and Danielsen fv 9b co ij 3u 9u 9p ep e5 m d Foundations of Financial Management Fifteenth Edition 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m h7 x1 Brealey, Myers, and Allen bk 0a fiư m en w0 Financial Analysis with an Electronic Calculator Sixth Edition tvs s h3 dj Principles of Corporate Finance Eleventh Edition so q9 h vtd og sp at d7 s3 sq rv Allen, Melone, Rosenbloom, and Mahoney ju y1 Retirement Plans: 401(k)s, IRAs, and Other Deferred Compensation Approaches Eleventh Edition go m rz z ac ah f9 i8k z6 Brealey, Myers, and Allen 3j INVESTMENTS ch s4 19 a fp l7t 02 nm vh Principles of Corporate Finance, Concise Second Edition 2i ư2 hx n0 l4 Bodie, Kane, and Marcus jư cy dx z5 zu p2 g3 ưt i17 Altfest Essentials of Investments Ninth Edition i 9o 8j n4 o0 xu 7w Brealey, Myers, and Marcus py c lb cfc 9e 0t lr 1q ou Personal Financial Planning First Edition l1 8d 48 Fundamentals of Corporate Finance Eighth Edition co sh 4j2 k dh Bodie, Kane, and Marcus l1 ex 47 yv ư5 yf z8 g9 eư i vz 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p Risk Management and Insurance Second Edition 9h dv 87 j 2w sl0 Hirt and Block ro FinGame Online 5.0 Harrington and Niehaus Investments Tenth Edition jzc Brooks kq po r3 86 7s ds 32 a5 eu 8i b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 0j 2n im m bn Jordan, Miller, and Dolvin q ưa xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m Cornett, Adair, and Nofsinger Fundamentals of Investments: Valuation and Management Seventh Edition Kapoor, Dlabay, and Hughes ke t7 a6 Personal Finance Eleventh Edition bi 3l pc ge wư u6 u0 ylư v1 fl 0n wr Stewart, Piros, and Heisler l5 ưf Finance: Applications and Theory Third Edition Focus on Personal Finance: An Active Approach to Help You Achieve Financial Literacy Fifth Edition ưy n5 Case Studies in Finance: Managing for Corporate Value Creation Seventh Edition Kapoor, Dlabay, Hughes, and Hart Fundamentals of Investment Management Tenth Edition vy Bruner yx 8h w xlj 7j h6 ay dq Walker and Walker ok Cornett, Adair, and Nofsinger Running Money: Professional Portfolio Management First Edition DeMello Sundaram and Das Cases in Finance Second Edition Derivatives: Principles and Practice Second Edition 3i M: Finance Third Edition 5ư ưt u7 g4 r1 xu ei kd 3y db Personal Finance: Building Your Future First Edition w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh Grinblatt (editor) 70 ji zo lh 6t dl a2 FINANCIAL INSTITUTIONS AND MARKETS Grinblatt and Titman Bank Management and Financial Services Ninth Edition fn Stephen A Ross, Mentor: Influence through Generations wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 Rose and Hudgins u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z 7c wy 5j ob pn eo lc 08 Rose and Marquis xz Financial Markets and Corporate Strategy Second Edition zx ib ch uh ak 7h Copyright © 2016 by McGraw-Hill Education ff f0 p0 f yu jsc jle 6o w2 gd br 1f 6y g7 j v4 jk0 ho e3 fo 09 Saunders and Cornett up ưl oo 0o Kellison Financial Institutions and Markets Eleventh Edition nz Analysis for Financial Management Eleventh Edition cw Higgins Financial Institutions Management: A Risk Management Approach Eighth Edition Ross, Westerfield, and Jaffe Saunders and Cornett Corporate Finance Tenth Edition Financial Markets and Institutions Sixth Edition y7 gc 9lj Theory of Interest Third Edition e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k ts 5d b5 va b9 1n b7 e1 0p hm bo INTERNATIONAL FINANCE jh bm jg 3q q2 8s i dh u3 52 2f b5 Eun and Resnick v l0b lie st 9o u5 0iư n4 ed f1 yz 4u ib 4u aư Real Estate Finance and Investments Fourteenth Edition g4 Brueggeman and Fisher Fundamentals of Corporate Finance Eleventh Edition yy Ross, Westerfield, and Jordan qe REAL ESTATE 8c Essentials of Corporate Finance Eighth Edition gm International Financial Management Seventh Edition td Ross, Westerfield, and Jordan g2 Corporate Finance: Core Principles and Applications Fourth Edition xư hu Ross, Westerfield, Jaffe, and Jordan bt bi ild t6 pc 4m e ojr frc 9a y pp gq j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m iv ke hy 70 6z cp x4 g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc FIFTH EDITION k dh 4j2 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r Jack R Kapoor ge 57 p m qy 7t fm p8 ww 1c lm ư7 of 6z kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv LAKE FOREST COLLEGE xw Les R Dlabay 24 C O L L E G E O F D U PA G E ld d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d 4i ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc sy ss 1z xz 7c wy 5j ob DALLAS COUNTY COMMUNITY COLLEGES m m w0 pn eo lc 08 nz cw zx ib ch uh ff f0 ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư N O R T H C A R O L I N A S TAT E U N I V E R S I T Y rv Robert J Hughes l7 19 Melissa M Hart 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq Copyright © 2016 by McGraw-Hill Education g fy8 j2w Focus on Personal Finance An Active Approach to Help You Achieve Financial Literacy j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m ke hy 70 6z cp x4 g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 g fy8 j2w 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq FOCUS ON PERSONAL FINANCE: AN ACTIVE APPROACH TO HELP YOU ACHIEVE FINANCIAL LITERACY, FIFTH EDITION vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw Published by McGraw-Hill Education, Penn Plaza, New York, NY 10121 Copyright © 2016 by McGraw-Hill Education All rights reserved Printed in the United States of America Previous editions © 2013, 2010, 2008, and 2006 No part of this publication may be reproduced or distributed in any form or by any means, or stored in a database or retrieval system, without the prior written consent of McGraw-Hill Education, including, but not limited to, in any network or other electronic storage or transmission, or broadcast for distance learning 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m Some ancillaries, including electronic and print components, may not be available to customers outside the United States rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 This book is printed on acid-free paper 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co RMN/RMN sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq ISBN 978-0-07-786174-2 MHID 0-07-786174-4 po r3 86 7s ds 32 a5 eu 8i vy b vh m f6 6x Senior Vice President, Products & Markets: Kurt L Strand Vice President, General Manager, Products & Markets: Marty Lange Vice President, Content Design & Delivery: Kimberly Meriwether David Managing Director: James Heine Executive Brand Manager: Charles Synovec Lead Product Developer: Michele Janicek Product Developer: Jennifer Upton Director of Digital Content Development: Doug Ruby Digital Development Editor: Meg B Maloney Marketing Manager: Melissa S Caughlin Production Program Manager, Economics and Finance: Mark Christianson Content Project Managers: Keri Johnson/Kristin Bradley Senior Buyer: Michael McCormick Senior Designer: Debra Kubiak Cover Image: © AJ Wilhelm/Getty Lead Content Licensing Specialist, Image: Keri Johnson Lead Content Licensing Specialist, Text: Beth Thole Compositor: SPi Global Printer: R R Donnelley ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ak 7h Copyright © 2016 by McGraw-Hill Education ff f0 p0 f yu jsc jle All credits appearing on page or at the end of the book are considered to be an extension of the copyright page 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs Library of Congress Cataloging-in-Publication Data i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư Kapoor, Jack R., 1937– Focus on personal finance : an active approach to help you achieve financial literacy/Jack R Kapoor, Les R Dlabay, Robert J Hughes, Melissa M Hart.—Fifth edition pages cm ISBN 978-0-07-786174-2 (alk paper) Finance, Personal Investments I Dlabay, Les R II Hughes, Robert James, 1946– III Hart, Melissa M IV Title HG179.K368 2016 332.024—dc23 2014041672 hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg The Internet addresses listed in the text were accurate at the time of publication The inclusion of a website does not indicate an endorsement by the authors or McGraw-Hill Education, and McGraw-Hill Education does not guarantee the accuracy of the information presented at these sites zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m ke hy 70 6z cp x4 g6 zd se 9g www.mhhe.com tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ff f0 ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq Copyright © 2016 by McGraw-Hill Education g fy8 j2w Dedication To my wife, Theresa, and my children, Karen, Kathryn, and Dave; and in the memory of my parents, Ram and Sheela Kapoor To my wife, Linda, and my children, Carissa and Kyle; and the memory of my parents, Les and Mary Dlabay To my mother, Barbara Y Hughes; and my wife, Peggy To my husband, David Hart; and my children, Alex and Madelyn j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m vii ke hy 70 6z cp x4 g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 g fy8 j2w 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 Focus on . the Authors zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw Jack R Kapoor, EdD, College of DuPage 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w Jack Kapoor is a professor of business and economics in the Business and Technology Division of the College of DuPage, Glen Ellyn, Illinois, where he has taught business and economics since 1969 He received his BA and MS from San Francisco State College and his EdD from Northern Illinois University He previously taught at Illinois Institute of Technology’s Stuart School of Management, San Francisco State University’s School of World Business, and other colleges Professor Kapoor was awarded the Business and Technology Division’s Outstanding Professor Award for 1999–2000 He served as an assistant national bank examiner for the U.S Treasury Department and has been an international trade consultant to Bolting Manufacturing Co., Ltd., Mumbai, India Dr Kapoor is known internationally as a co-author of several textbooks, including Business: A Practical Approach (Rand McNally), Business (Cengage Learning), Business and Personal Finance (Glencoe), and Personal Finance (McGraw-Hill) He served as a content consultant for the popular national television series The Business File: An Introduction to Business and developed two full-length audio courses in Business and Personal Finance He has been quoted in many national newspapers and magazines, including USA Today, U.S News & World Report, the Chicago Sun-Times, Crain’s Small Business, the Chicago Tribune, and other publications Dr Kapoor has traveled around the world and has studied business practices in capitalist, socialist, and communist countries r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt u7 g4 r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n p6 u3 fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 Les R Dlabay, EdD, Lake Forest College gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh ji zo lh 70 Teaching about the “Forgotten Majority” (the three billion people living on $2 or less a day) is a priority of Les Dlabay, professor of business at Lake Forest College, Lake Forest, Illinois He believes our society can improve global business development through volunteer time, knowledge sharing, and financial donations In addition to writing several textbooks, Dr Dlabay teaches accounting and various international business courses His “hobbies” include a collection of cereal packages from over 100 countries and banknotes from 200 countries, which are used to teach about economic, cultural, and political aspects of international business environments His research involves informal and alternative financial services, microfinance, and value chain facilitation in base-of-the-pyramid (BoP) market settings Dlabay has presented more than 300 workshops and seminars for teachers and community organizations He serves on the boards of Bright Hope International (www.brighthope.org), which emphasizes microenterprise development through microfinance programs, and Andean Aid (www.andeanaid.org), which provides tutoring assistance to school-age children in Colombia and Venezuela Professor Dlabay has a BS (Accounting) from the University of Illinois, Chicago; an MBA from DePaul University; and an EdD in Business and Economic Education from Northern Illinois University He has twice received the “Great Teacher” award at Lake Forest College 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ak 7h Copyright © 2016 by McGraw-Hill Education ff f0 p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m viii ke hy 70 6z cp x4 g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73 Focus on the Authors ix g fy8 j2w 6y o4 i j98 clm 3f vr no 5lg vm hg pg ztb m on y4 ln 80 zu sa p ia7 rv kt az pn o3 b6 lp 4t 7g wc ưz dy 9f 5q 3v i vy tst 3k xư d9 sư y2 lq ck 7m o 7m jl ji7 hr w9 1s rj ue ưv tsw 3g r0 wy p1 l0 vq rrw 2e vư he gq vk 3a sr sv xf f3 i9z w jh 6m ji lcq 8v p zư 2p p frb nl 0e z5 e 6c jtw w0 a r1 a2 m 1n vw i6 kw Robert J Hughes, EdD, Dallas County Community Colleges 1x ư1 fv 9b co ij 3u 9u 9p ep d e5 m 80 bp 3u qs xs 2w r1 z8 dk 3o jn c1 re m rt hd qm m x1 h7 bk 0a fiư m en w0 Financial literacy! Only two words, but Bob Hughes, professor of business at Dallas County Community Colleges, believes that these two words can change your life Whether you want to be rich or just manage the money you have, the ability to analyze financial decisions and gather financial information are skills that can always be improved Dr Hughes has taught personal finance, introduction to business, business math, small business management, small business finance, and accounting for over 35 years In addition to Focus on Personal Finance and Personal Finance, published by McGraw-Hill/Irwin, he has authored college textbooks for Introduction to Business, Business Mathematics, and Small Business Management He also served as a content consultant for two popular national television series, Dollars & Sense: Personal Finance for the 21st Century and It’s Strictly Business, and he is the lead author for a business math project utilizing computer-assisted instruction funded by the ALEKS Corporation He received his BBA from Southern Nazarene University and his MBA and EdD from the University of North Texas His hobbies include writing, investing, collecting French antiques, art, and travel tvs dj s h3 so q9 h vtd og sp at d7 s3 sq rv ju y1 go m rz z ac ah f9 i8k 3j z6 ch s4 19 a fp l7t 02 nm vh 2i ư2 hx l4 n0 jư cy dx z5 zu p2 g3 ưt i 9o i17 8j n4 o0 xu 7w py c lb cfc 9e 0t lr 1q ou l1 8d 48 co sh k dh 4j2 l1 ex 47 yv ư5 yf z8 g9 eư i vz jzc 7i s7 65 49 v8 pt 67 xn 61 ex t1 8v 1p 9h dv 87 j 2w sl0 ro kq po r3 86 7s ds 32 a5 eu 8i vy b vh m 6x f6 ek n2 nf q0 hy 21 ge 57 ưy n5 0j 2n q ưa im m bn xb o8 2h 0r 9t 8r p m qy 7t fm p8 ww 1c lm ư7 of 24 ld 6z xw kh 6m ke t7 bi a6 3l pc ge wư u6 u0 ylư v1 fl 0n wr l5 ưf yx 8h w xlj 7j h6 ay dq 3i ok 5ư ưt g4 u7 Melissa M Hart, CPA North Carolina State University r1 xu ei kd 3y db w3 60 ưs om 94 2x 1f 62 ưn 7t 9b 9n u3 p6 Melissa Hart is a permanent lecturer in the Poole College of Management at North Carolina State University She was inducted into the Academy of Outstanding Teachers in 2012 She teaches courses in personal finance and corporate finance She has developed multiple ways to use technology to introduce real-life situations into the classroom and the distance education environment Spreading the word about financial literacy has always been a passion of hers It doesn’t stop at the classroom Each year she shares her common-sense approach of “No plan is a plan” to various student groups, clubs, high schools, and outside organizations She is a member of the North Carolina Association of Certified Public Accountants (NCACPA) where she serves on the Accounting Education Committee She received her BBA from the University of Maryland and an MBA from North Carolina State University Prior to obtaining an MBA, she worked eight years in public accounting in auditing, tax compliance, and consulting Her hobbies include keeping up with her family’s many extracurricular activities as well as working on various crafts She travels extensively with her family to enjoy the many cultures and beauty of the state, the country, and the world fx 0v ol 5t d5 il 81 qg w5 tn ql 22 4m jh d m bk b4 45 5x 37 gs hv d la4 8v 3p e7 dx zo 22 eh hm a4 wv zư bh 70 ji zo lh 6t dl fn a2 wl vg 7i rh d l5u 2p sd k0 yr sư 7d l7 19 4i rv ge 56 i1 bx 2e 34 u6 ah sd b4 ci ky l5 uu vf or wr ln bt x su 7li g3 kc m m w0 sy ss 1z xz 7c wy 5j ob pn eo lc 08 nz cw zx ib ch uh ak 7h p0 f yu jsc jle 6o w2 gd br 1f 6y up ưl g7 j v4 jk0 ho e3 fo 09 oo 0o y7 gc 9lj e6 vs i0 t e6 iz5 ty z 5q m kh cv bm ce hi vư hn ir rz h4 ư1 ob q4 d0 fb pv hd 8k lg 2d 1k 0ư 4w hb 3k s9 m qc 2t d6 0h 1y s0 fm ss v2 q2 h1 16 ưa sg yq xl fk 33 l6 0q 7k xư hu ts 5d b5 va b9 jh 1n b7 e1 0p hm bo bm jg 3q q2 8s i dh v l0b lie u3 52 2f b5 st 9o td g2 8c gm yy qe u5 g4 0iư n4 ed f1 yz 4u ib 4u aư bt bi ild t6 pc 4m e ojr frc 9a y pp gq Copyright © 2016 by McGraw-Hill Education ff f0 j4 o 5ư io7 ae 2f n4 2t cm 1d nt rq u zt1 sm kv ưf lh br ưr zo 5t g aip y5 wu nz bs 3f 88 d6 yg zm a6 7y a d2 5ia pk xv 02 qi 2d dh nm gv rl 2z 7h h0 jư ns 3r ut sw 93 kk 8f hv oo qm t3 7y ro dy y1 pi oe 9c 78 ci nq s jf0 0n m ke hy 70 6z cp x4 g6 zd se 9g tsb m va bf 9w oo yt 32 8t 3e hd 69 2g ưt lkt zư bh b lyq y0 zm 6l vu 1d 0h hn 6h k8 7k zz zg 73