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1、AnIntroductiontotheMathematicsofMoneyDavidLovelockMarilouMendelA.LarryWrightAnIntroductiontotheMathematicsofMoneySavingandInvestingDavidLovelockMarilouMendelDepartmentofMathematicsDepartmentofMathematicsUniversityofArizonaUniversityofArizonaTucson,AZ85721Tucson,AZ85
2、721USAUSAdsl@math.arizona.edumendel@math.arizona.eduA.LarryWrightDepartmentofMathematicsUniversityofArizonaTucson,AZ85721USAlwright@math.arizona.eduMathematicsSubjectClassification(2000):91B82LibraryofCongressControlNumber:2006931194ISBN-10:0-387-34432-2ISBN-13:978-
3、0387-34432-4Printedonacid-freepaper.©2007SpringerScience+BusinessMedia,LLCAllrightsreserved.Thisworkmaynotbetranslatedorcopiedinwholeorinpartwithoutthewrittenpermissionofthepublisher(SpringerScience+BusinessMedia,LLC,233SpringStreet,NewYork,NY10013,USA),exceptforbri
4、efexcerptsinconnectionwithreviewsorscholarlyanalysis.Useinconnectionwithanyformofinformationstorageandretrieval,electronicadaptation,computersoftware,orbysimilarordissimilarmethodologynowknownorhereafterdevelopedisforbidden.Theuseinthispublicationoftradenames,tradem
5、arks,servicemarks,andsimilarterms,eveniftheyarenotidentifiedassuch,isnottobetakenasanexpressionofopinionastowhetherornottheyaresubjecttoproprietaryrights.987654321springer.comPrefaceIntroductionSomepeopledistinguishbetweensavingsandinvestments,wheresavingsaremoniesp
6、lacedinrelativelyrisk-freeaccountswithmodestrewards,andwhereinvestmentsinvolvemoreriskandthepotentialforgreaterrewards.Inthisbookwedonotdistinguishbetweentheseideas.Wetreatthembothundertheumbrellaofinvesting.Ingeneral,incomefallsintotwocategories:earnedincome—whichi
7、stheincomederivedfromyoureverydayjob—andunearnedincome—whichisincomederivedfrominvesting.Youattendcollegetostrengthenyourprospectsforearnedincome,sowhydoyouneedtoworryaboutunearnedincome,namely,investmentincome?Therearemanyreasonstoinvestandtolearnaboutinvesting.Per
8、hapstheprimaryoneistotakechargeofyourownfinancialfuture.Youneedmoneyforshort-termgoals(suchaslivingexpenses,emergencies)andforlong-termgoal
