As a tax professional and tax educator, I recognized many years ago that tax & financial illiteracy is a major problem amongst taxpayers. For example, consider: 1. how many wage-earners do not even understand all the deductions posted on their pay statements -- or that net pay is not the same as taxable income; or 2. how many people do not understand that the basic tax equation is "tax liability = tax base x tax rate" -- and that tax rate alone is not enough information to calculate one's tax liability; or 3. how many people think capital gains taxes paid are a "bad thing" -- when in fact, they are frequently a "subsidy" provided to wealthier taxpayers at the expense of wage-earners; or 4. how many people are eligible for some form of deferred compensation [401(k)plan, 403(b) plan etc] but they either do not participate or do not participate fully; etc, etc, etc.

In an effort to promote "Basic Tax Literacy," I highly recommend the EY-PFP Guide as a highly accessible & understandable guide for teens and above. This book makes a wonderful gift for all life events -- coming of age ceremonies, graduations, marriage, birth of child, divorce, mid-life crisis, pre-retirement, retirement. It could even serve as a textbook for certain courses and seminars.

This 3rd edition is a useful tool for people who are either starting to understand personal financial planning or those who have years of practical experience but want the latest information available. Complex concepts are explained clearly and concisely. There are no major gaps in the information provided. The book is well organized. Part II which uses a life-event approach to financial planning will be most helpful for people beginning to understand personal financial planning or facing a major life-event.

I enjoyed reading the book and found it filled with exactly the information I was seeking to improve my own personal financial planning. The format was very understandable and will allow me to continue using the book as a reference.

This book starts off with the basics but then goes into the details of each subject. It goes well beyond the other books which usually say to do or not do something but does not go into the details of why. I hightly recommended this book.

Now seventeen, Kipton is on another case of murder on the planet Mars in the 8th novel of the Kipton Chronicles.
Fontenay, a master storyteller, has once again combined the best elements of science fiction with those of the mystery genre in a very fascination story that is filled with interesting characters like gruff, who helps her solve the puzzling tale. Fontenay has also included the Asimov Laws of Robotics for the Android character who has confessed to the murder that sets
up the rest of the novel.

The 14th novel in the series has Kipton solving a murder at the first Martian sports games.
At conventions of SF there are many discussions on should the two genres of mystery and science fiction be combined? The answer is yes, if it is done well. Many attendees forget that authors Andre Norton and Robert Heinlien, who brought so many into the fold of science fiction, were writing this type
of story in the fifties and sixties.
Mr. Fontenay does it perfectly, while he also puts the fun back in this type of work. Though the series is geared toward younger readers, anyone can read these charming novels and enjoy them.