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The Mathematics of Personal Finance: A Complete Reference Paperback – Sep 1999


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Product Details

  • Paperback: 396 pages
  • Publisher: Iuniverse Inc (September 1999)
  • Language: English
  • ISBN-10: 1583483780
  • ISBN-13: 978-1583483787
  • Product Dimensions: 15.2 x 2.5 x 22.9 cm
  • Shipping Weight: 590 g
  • Amazon Bestsellers Rank: #2,986,138 in Books (See Top 100 in Books)

Product Description

About the Author

Donald E. Lutz retired as a Principal Engineer and a Unit Manager in General Electric's Advanced Nuclear Technology Operation in San Jose, California. After studying engineering economics and applying it professionally, he took up personal financial mathematics and economics as a hobby.

A registered professional engineer in the states of California and Illinois, he holds a degree in mechanical engineering from Michigan State University. He has published many technical papers and magazine articles.

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Most Helpful Customer Reviews on Amazon.com (beta)

Amazon.com: 4 reviews
11 of 11 people found the following review helpful
A very good basic book on financial math Dec 30 1999
By A Customer - Published on Amazon.com
Format: Paperback
This book presents a very good basic and detailed understanding of the time value of money mathematics and also shows how to apply the principles to most real life financial applications that one is likely to experience.
To me it was an eye opener to see how financial math can be used to analyze most financial functions such as home mortgages, insurance policies, mutual fund rates of return, and consumer loans, as an aid in making important and informed financial decisions.
The book is easy to understand and there are many examples to demonstrate the applications. Also it is a good book for self teaching with many examples to work with answers provided to check results.
However, it is necessary to understand basic algebra and to have the ability to follow the examples that are quite comprehensive. The author shows how to use a Hewlett-Packard 12C financial calculator to perform the math. For those who can do this it will be quite rewarding. For example there is a method shown on how to easily save a significant amount of interest on one's home mortgage as well as check the progress of a variable interest rate loan if you have one. The book must be studied and the problems worked to get the full benefit. It cannot be read like a novel.
2 of 2 people found the following review helpful
Excellent reference for the do-it-yourself investor May 5 2007
By California reader - Published on Amazon.com
Format: Paperback
Very thorough explanation of the mathematics of personal finance, for those who can tolerate algebra.

It has a chapter on annuities with an excellent illustration of the mathematics and taxation of annuties. The author commits one error in that he does not correctly define an ordinary annuity and an annuity due. But one can find those definitions on the internet. If you need to understand the mathematics of mortgages and annuities, this is a worthwhile purchase.
0 of 1 people found the following review helpful
The book was excellent July 6 2000
By A Customer - Published on Amazon.com
Format: Paperback
This helped me understand interest rate and how to analyze my personal finances and those of my small business.
0 of 1 people found the following review helpful
The book was excellent July 6 2000
By A Customer - Published on Amazon.com
Format: Paperback
This helped me understand interest rate and how to analyze my personal finances and those of my small business.


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