{"product_id":"essential-personal-finance-book-lien-luu-9781032799414","title":"Essential Personal Finance","description":"Young people face unprecedented financial challenges: rising student debt, stiff competition for jobs, barriers to home ownership, dwindling state benefits and prospects of a longer working life. Essential Personal Finance is a guide to all the key areas of personal finance: budgeting, managing debt, savings and investments, insurance, securing a home and laying the foundations for retirement.  It provides an introduction to some of the essential foundations of a modern undergraduate finance qualification, including:    • the nature of financial institutions, markets and economic policy that shape the opportunities and decisions individuals face • the range of financial assets available to households, risk-return trade-off, basics of portfolio construction and impact of tax • the importance of the efficient market hypothesis and modern portfolio theory in shaping investment strategies and the limitations of these approaches • behavioural finance as a key to understanding factors influencing individual and market perceptions and actions • using financial data to inform investment selection and create financial management tools that can aid decision-making.  The second edition has been fully updated and includes: more information on the cost of living crisis; Fintech, climate change, sustainable finance and cryptocurrencies; financial skills and calculations; tax, trust planning and wills; pensions; regulation and fraud; and additional case studies.  Written by authors who contribute experience as financial advisers, practitioners and academics, Essential Personal Finance is a compelling combination of a textbook aimed at students on personal finance and financial services courses, and a practical guide for young people in building their own financial strength and capability.","brand":"WoB","offers":[{"title":"- \/ - \/ -","offer_id":51202181333265,"sku":"","price":0.0,"currency_code":"USD","in_stock":true},{"title":"GB \/ NEW \/ GARDNERS","offer_id":51202182283537,"sku":"NGR9781032799414","price":78.79,"currency_code":"USD","in_stock":true},{"title":"GB \/ NEW \/ INGRAM","offer_id":52692974993681,"sku":"NLS9781032799414","price":89.29,"currency_code":"USD","in_stock":true},{"title":"US \/ NEW \/ INGRAM","offer_id":52745778299153,"sku":"NIN9781032799414","price":68.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1032799412.jpg?v=1750790697","url":"https:\/\/www.worldofbooks.com\/products\/essential-personal-finance-book-lien-luu-9781032799414","provider":"World of Books ","version":"1.0","type":"link"}