II
Copyright © 2014
by
The Goodheart-Willcox Company, Inc.
Previous editions copyright 2010, 2004, 2000, 1995, 1990, 1988, 1984, 1982
(Under the title The Confident Consumer by Sally R. Campbell)
All rights reserved. No part of this work may be reproduced, stored, or
transmitted in any form or by any electronic or mechanical means, including
information storage and retrieval systems, without the prior written permission of
The Goodheart-Willcox Company, Inc.
Manufactured in the United States of America
Library of Congress Catalog Card Number 2012048952
ISBN 978-1-61960-357-8
2 3 4 5 6 7 8 9 – 14 – 18 17 16 15
The Goodheart-Willcox Company, Inc. Brand Disclaimer: Brand names, company names, and illustrations for
products and services included in this text are provided for educational purposes only and do not represent or imply
endorsement or recommendation by the author or the publisher.
The Goodheart-Willcox Company, Inc. Safety Notice: The reader is expressly advised to carefully read, understand,
and apply all safety precautions and warnings described in this book or that might also be indicated in undertaking
the activities and exercises described herein to minimize risk of personal injury or injury to others. Common sense
and good judgment should also be exercised and applied to help avoid all potential hazards. The reader should
always refer to the appropriate manufacturer’s technical information, directions, and recommendations; then
proceed with care to follow specific equipment operating instructions. The reader should understand these notices
and cautions are not exhaustive.
The publisher makes no warranty or representation whatsoever, either expressed or implied, including, but not
limited to, equipment, procedures, and applications described or referred to herein, their quality, performance,
merchantability, or fitness for a particular purpose. The publisher assumes no responsibility for any changes,
errors, or omissions in this book. The publisher specifically disclaims any liability whatsoever, including any direct,
indirect, incidental, consequential, special, or exemplary damages resulting, in whole or in part, from the reader’s
use or reliance upon the information, instructions, procedures, warnings, cautions, applications, or other matter
contained in this book. The publisher assumes no responsibility for the activities of the reader.
Library of Congress Cataloging-in-Publication Data
Campbell, Sally R.
[Confi dent consumer]
Foundations of personal fi nance / Sally R. Campbell, Robert L.
Dansby. --
Ninth edition.
pages cm
Revision of the author’s The confi dent consumer.
Includes index.
ISBN 978-1-61960-357-8
1. Finance, Personal. 2. Consumer education. I. Dansby, Robert L.
II. Title.
HG179.C32 2014
332.024--dc23
2012048952