Personal Finance 365 Ultimate Personal Finance Guide For Teens and Adult

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Guest Editor Posts and Posts from unverified Authors are not censored. For copyright infringement claims, kindly contact us via email: dmca@360naijahits.com

Personal Finance 365 Ultimate Personal Finance Guide For Teens and Adult

DISCLAIMER
Guest Editor Posts and Posts from unverified Authors are not censored. For copyright infringement claims, kindly contact us via email: dmca@360naijahits.com


What is Personal Finance?

Personal finance refers to the process of applying certain financial principles when it comes to formulating monetary decisions. It typically focuses on ensuring that individuals and families formulate sound monetary decisions by sticking to the underlying principles of finance. Personal finance also addresses the specific ways through which families and individuals acquire, save, spend and budget financial resources while taking into consideration the many financial risks and future events. If you are one of those who want to start to effectively plan for your personal finances, then be aware that there are a few financial products that you should take into account and these include banking products such as consumer loans, credit cards and savings and checking accounts and insurance and investment products such as life insurance, disability insurance, health insurance, mutual funds, bonds and stock market. Effective planning for your personal finances will also require you to participate in and monitor your retirement plans, income tax and social security benefits.

Personal finance also covers all financial activities and decisions of individuals including investing, mortgages, debt servicing, insurance, savings and budgeting. It involves the process of effectively analyzing your present financial condition and forecasting your financial needs in the future. Personal finance also requires you to spend time looking at how you manage your money and your future. It also covers aspects linked to creating a budget for emergency funds, setting your financial obligations and monitoring and controlling your spending.

Understanding personal finance and the procedures involved in managing it
Setting personal financial goals

Improving your literacy especially in terms of managing and planning for your personal finances

Measuring and analyzing your financial health

Knowing exactly where you spend your money

Effectively dealing with your financial obligations / debts

Strategies that you can use in significantly reducing your spending

Learning the basics of smart investing

Understanding all the vital concepts linked to investment

Different investment options including mutual funds, taxable accounts, retirement accounts, education and real estate

Protecting your properties and your health with the help of an insurance

Getting the help of experts when it comes to personal financial planning and management

Basics of computer money management

Surviving the major changes in your life especially in the financial aspect

Effective strategies that you can use in beating fraud and identity theft

Introducing: Personal Finance 365

And You’ll Learn All These Things Like:

CLICK HRER TO GET THE EBOOK
Chapter 1: Improving Your Financial Literacy

Talking Money at Home
Picking Up on Personal Finance in the Classroom
Identifying Unreliable Sources of Information
Recognizing fake financial gurus
Understanding how undeserving investment gurus get Popular
Pandering to advertisers
Jumping over Real and Imaginary Hurdles to Financial Success
Discovering what (or who) is holding you back
Developing good financial habits
Chapter 2: Measuring Your Financial Health

Avoiding Common Money Mistakes
Determining Your Financial Net Worth
Adding up your financial assets
Recognizing fake financial gurus
Crunching your numbers
Interpreting your net worth results
Examining Your Credit Score and Reports
Understanding what your credit data includes and means
Obtaining your credit reports and score
Improving your credit reports and score
Getting credit report errors corrected
Knowing the Difference between Bad Debt and Good Debt
Consuming your way to bad debt
Recognizing bad debt overload
Assessing good debt: Can you get too much?
Playing the credit card float
Analyzing Your Savings
Evaluating Your Investment Knowledge
Assessing Your Insurance Savvy
Chapter 3: Determining Where Your Money Goes
CLICK HRER TO GET THE EBOOK
Examining the Roots of Overspending
Access to credit
Misusing credit cards
Taking out car loans
Bending to outside influences and agendas
Spending to feel good
Analyzing Your Spending
Tracking spending the low-tech way
Tracking your spending on the computer
Chapter 4: Establishing and Achieving Goals

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Creating Your Own Definition of “Wealth”
Acknowledging what money can’t buy
Managing the balancing act
Prioritizing Your Savings Goals
Knowing what’s most important to you
Valuing retirement accounts
Dealing with competing goals
Building Emergency Reserves
Saving to Buy a Home or Business
Funding Kids’ Educational Expenses
Saving for Big Purchases
Preparing for Retirement
Figuring what you need for retirement
Understanding retirement building blocks
Retirement planning worksheet
Making up for lost time
Part II: Saving More, Spending Less
Chapter 5: Dealing with Debt
CLICK HRER TO GET THE EBOOK
Using Savings to Reduce Your Consumer Debt
Understanding how you gain
Discovering money to pay down consumer debts
Decreasing Debt When You Lack Savings
Reducing your credit card’s interest rate
Understanding all credit card terms and conditions
Cutting up your credit cards
Discovering debit cards: The best of both worlds
Turning to Credit Counseling Agencies
Beware biased advice at credit counseling agencies
Ask questions and avoid debt management programs
Filing Bankruptcy Understanding bankruptcy benefits
Coming to terms with bankruptcy drawbacks
Deciphering the new bankruptcy laws
Choosing between
Chapter 7 and 13

Seeking bankruptcy advice
Stopping the Spend-and-Consumer Debt Cycle
Resisting the credit temptation
Identifying and treating a compulsion
Chapter 6: Reducing Your Spending

Finding the Keys to Successful Spending
Living within your means
Looking for the best values
Eliminating the fat from your spending
Turning your back on consumer credit
Budgeting to Boost Your Savings
Reducing Your Spending: Eric’s Strategies
Managing food costs
Saving on shelter Cutting transportation costs
Lowering your energy costs
Controlling clothing costs
Repaying your debt
Indulging responsibly in fun and recreation
Lowering your phone bills
Technology: Spending wisely
Curtailing personal care costs
Paring down professional expenses
Looking for value in publication subscriptions
Managing medical expenses
Eliminating costly addictions
Keeping an eye on insurance premiums
Trimming your taxes
Chapter 7: Taming Taxes

Understanding the Taxes You Pay
Focusing on the total taxes you pay
Recognizing the importance of your marginal tax rate
Defining taxable income
Being mindful of the second tax system: Alternative minimum tax
Trimming Employment Income Taxes
Contributing to retirement plans
Shifting some income
Increasing Your Deductions
Choosing standard or itemized deductions
Purchasing real estate
Trading consumer debt for mortgage debt
Contributing to charities
Remembering auto registration fees and state insurance
Deducting miscellaneous expenses
Deducting self-employment expenses
Reducing Investment Income Taxes
Investing in tax-free money market funds and bonds
Selecting other tax-friendly investments
Making your profits long-term
Does funding retirement accounts still make sense?
Enlisting Education Tax Breaks
Getting Help from Tax Resources
IRS assistance
Preparation and advice guides
Software and Web sites
Professional hired help
Dealing with an Audit
Getting your act together
Surviving the day of reckoning
Part III: Building Wealth with Wise Investing
Chapter 8: Important Investment Concepts

Establishing Your Goals
Understanding the Primary Investments
Looking at lending investments
Exploring ownership investments
Shunning Gambling Instruments and Behaviors
Forsake futures, options, and other derivatives
Ditch daytrading
Understanding Investment Returns
Sizing Investment Risks
Comparing the risks of stocks and bonds
Focusing on the risks you can control
Discovering low-risk, high-return investments
Diversifying Your Investments
Spread the wealth: Asset allocation
Allocating money for the long term
Sticking with your allocations: Don’t trade
Investing lump sums via dollar-cost averaging
Acknowledging Differences among Investment Firms
Focusing on the best firms
Places to consider avoiding
Seeing through Experts Who Predict the Future
Investment newsletters Investment gurus
Leaving You with Some Final Advice
Chapter 9: Understanding Your Investment Choices

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Slow and Steady Investments
Transaction/checking accounts
Savings accounts and money market funds
Bonds
Building Wealth with Ownership Vehicles
Stocks
Generating wealth with real estate
Investing in small business (and your career)
Off the Beaten Path: Investment Odds and Ends
Precious metals
Annuities
Collectibles
Chapter 10: Investing in Mutual Funds

Understanding the Benefits of Mutual Funds
Exploring Various Fund Types
Money market funds
Bond funds
Stock funds
Balancing bonds and stocks: Hybrid funds
U.S., international, and global funds
Index funds
Specialty (sector) funds
Selecting the Best Mutual Funds
Reading prospectuses and annual reports
Keeping costs low
Evaluating historic performance
Assessing fund manager and fund family reputations
Rating tax friendliness
Determining your needs and goals
Deciphering Your Fund’s Performance
Dividends
Capital gains
Share price changes
Evaluating and Selling Your Funds
Chapter 11: Investing in Retirement Accounts

SLooking at Types of Retirement Accounts
Employer-sponsored plans
Self-employed plans
Individual retirement accounts (IRAs)
Annuities: An odd investment
Allocating Your Money in Retirement Plans
Prioritizing retirement contributions
Setting up a retirement account
Allocating money when your employer selects the investment options
Allocating money in plans you design
Transferring Retirement Accounts
Transferring accounts you control
Moving money from an employer’s plan
Chapter 12: Investing in Taxable Accounts

Getting Started
Paying off high-interest debt
Taking advantage of tax breaks
Understanding Taxes on Your Investments
Fortifying Your Emergency Reserves
Bank and credit union accounts
Money market mutual funds
Investing for the Longer Term (A Few Years or More)
Defining your time horizons
Bonds and bond funds
Certificates of deposit (CDs)
Stocks and stock funds
Annuities
Real estate
Small-business investments
Chapter 13: Investing for Educational Expenses
CLICK HRER TO GET THE EBOOK

Figuring Out How the Financial Aid System Works
Treatment of retirement accounts
Treatment of money in the kids’ names
Treatment of home equity and other assets
Strategizing to Pay for Educational Expenses
Estimating college costs
Setting realistic savings goals
Tips for getting loans, grants, and scholarships
Investing Educational Funds
Good investments: No-load mutual funds
Bad investments
Overlooked investments
Chapter 14: Investing in Real Estate: Your Home and Beyond

Deciding Whether to Buy or Rent
Assessing your timeline
Determining what you can afford
Calculating how much you can borrow
Comparing the costs of owning versus renting
Considering the long-term costs of renting
Recognizing advantages to renting
Financing Your Home
Understanding the two major types of mortgages
Choosing between fixed- and adjustable-rate mortgages
Shopping for fixed-rate mortgages
Inspecting adjustable-rate mortgages (ARMs)
Avoiding the down-payment blues
Comparing 15-year and 30-year mortgages
Finding the best lender
Increasing your approval chances
Finding the Right Property
Condo, town house, co-op, or detached home?
Casting a broad net
Finding out actual sale prices
Researching the area
Working with Real Estate Agents
Recognizing conflicts of interest
Looking for the right qualities in real estate agents
Putting Your Deal Together
Negotiating 101
Inspecting before you buy
Remembering title insurance and escrow fees
After You Buy
Refinancing your mortgage
Mortgage life insurance
Is a reverse mortgage a good idea?
Selling your house
Part IV: Insurance: Protecting What You’ve Got
Chapter 15: Insurance: Getting What You Need at the Best Price

Discovering My Three Laws of Buying Insurance
Law I: Insure for the big stuff; don’t sweat the small stuff
Law II: Buy broad coverage
Law III: Shop around and buy direct
Dealing with Insurance Problems
Knowing what to do if you’re denied coverage
Getting your due on claims
Chapter 16: Insurance on You: Life, Disability, and Health

Providing for Your Loved Ones: Life Insurance
Determining how much life insurance to buy
Comparing term life insurance to cash value life insurance
Making your decision
Buying term insurance
Getting rid of cash value life insurance
Considering the purchase of cash value life insurance
Preparing for the Unpredictable: Disability Insurance
Deciding whether you need coverage
Determining how much disability insurance you need
Identifying other features you need in disability insurance
Deciding where to buy disability insurance
Getting the Care You Need: Health Insurance
Choosing the best health plan
Buying health insurance
Dealing with insurance denial
Looking at retiree medical care insurance
Chapter 17: Covering Your Assets

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Insuring Where You Live
Dwelling coverage: The cost to rebuild
Personal property coverage: For your things
Liability insurance: Coverage for when others are harmed
Flood and earthquake insurance: Protection from Mother Nature
Deductibles: Your cost with a claim
Special discounts
Buying homeowner’s or renter’s insurance
Auto Insurance 101
Bodily injury/property damage liability
Uninsured or underinsured motorist liability
Deductibles
Special discounts
Little-stuff coverage to skip
Buying auto insurance
Protecting against Mega-Liability: Umbrella Insurance
You Can’t Take It with You: Planning Your Estate
Wills, living wills, and medical powers of attorney
Avoiding probate through living trusts
Reducing estate taxes
Part V: Where to Go for More Help
Chapter 18: Working with Financial Planners
CLICK HRER TO GET THE EBOOK

Surveying Your Financial Management Options
Doing nothing
Doing it yourself
Hiring financial help
Deciding Whether to Hire a Financial Planner
How a good financial advisor can help
Why advisors aren’t for everyone
The Frustrations of Finding Good Financial Planners
Recognizing conflicts of interest
Regulatory problems Finding a Good Financial Planner
Soliciting personal referrals
Seeking advisors through associations
Interviewing Financial Advisors: Asking the Right Questions
What percentage of your income comes from clients’ fees versus commissions?
What percentage of fees paid by clients is for ongoing money management versus hourly financial planning?
What is your hourly fee?
Do you also perform tax or legal services?
What work and educational experience qualifies you to be a financial planner?
Have you ever sold limited partnerships? Options? Futures? Commodities?
Do you carry liability (errors and omissions) insurance?
Can you provide references from clients with needs similar to mine?
Will you provide specific strategies and product recommendations that I can implement on my own if I choose?
How is implementation handled?
Learning from Others’ Mistakes
Chapter 19: Computer Money Management

Surveying Software and Web Sites
Adding up financial software benefits
Treading carefully on the Web
Accomplishing Computer Money Tasks
Paying your bills and tracking your money
Planning for retirement
Preparing your taxes
Researching investments
Trading online
Reading and searching periodicals
Buying life insurance
Preparing legal documents
Chapter 20: On Air and in Print
CLICK HRER TO GET THE EBOOK

Observing the Mass Media
Alarming or informing us?
Teaching what kind of values?
Worshiping prognosticating pundits
Rating Radio and Television Financial Programs
Finding the Best Web Sites
Navigating Newspapers and Magazines
Betting on Books
Understanding the book publishing business
Books at the head of their class
Part VI: The Part of Tens
Chapter 21: Survival Guide for Ten Life Changes

Starting Out: Your First Job
Changing Jobs or Careers
Getting Married
Buying a Home Having Children
Starting a Small Business
Caring for Aging Parents
Divorcing
Receiving a Windfall
Retiring
Chapter 22: Ten Tactics to Thwart Identity Theft and Fraud

Save Phone Discussions for Friends Only
Never Respond to E-mails Soliciting Information
Review Your Monthly Financial Statements
Secure All Receipts
Close Unnecessary Credit Accounts
Regularly Review Your Credit Reports
Freeze Your Credit Reports
Keep Personal Information off Your Checks
Protect Your Computer and Files
Protect Your Mail.




What is Personal Finance?

Personal finance refers to the process of applying certain financial principles when it comes to formulating monetary decisions. It typically focuses on ensuring that individuals and families formulate sound monetary decisions by sticking to the underlying principles of finance. Personal finance also addresses the specific ways through which families and individuals acquire, save, spend and budget financial resources while taking into consideration the many financial risks and future events. If you are one of those who want to start to effectively plan for your personal finances, then be aware that there are a few financial products that you should take into account and these include banking products such as consumer loans, credit cards and savings and checking accounts and insurance and investment products such as life insurance, disability insurance, health insurance, mutual funds, bonds and stock market. Effective planning for your personal finances will also require you to participate in and monitor your retirement plans, income tax and social security benefits.

Personal finance also covers all financial activities and decisions of individuals including investing, mortgages, debt servicing, insurance, savings and budgeting. It involves the process of effectively analyzing your present financial condition and forecasting your financial needs in the future. Personal finance also requires you to spend time looking at how you manage your money and your future. It also covers aspects linked to creating a budget for emergency funds, setting your financial obligations and monitoring and controlling your spending.

Understanding personal finance and the procedures involved in managing it
Setting personal financial goals

Improving your literacy especially in terms of managing and planning for your personal finances

Measuring and analyzing your financial health

Knowing exactly where you spend your money

Effectively dealing with your financial obligations / debts

Strategies that you can use in significantly reducing your spending

Learning the basics of smart investing

Understanding all the vital concepts linked to investment

Different investment options including mutual funds, taxable accounts, retirement accounts, education and real estate

Protecting your properties and your health with the help of an insurance

Getting the help of experts when it comes to personal financial planning and management

Basics of computer money management

Surviving the major changes in your life especially in the financial aspect

Effective strategies that you can use in beating fraud and identity theft

Introducing: Personal Finance 365

And You’ll Learn All These Things Like:

CLICK HRER TO GET THE EBOOK
Chapter 1: Improving Your Financial Literacy

Talking Money at Home
Picking Up on Personal Finance in the Classroom
Identifying Unreliable Sources of Information
Recognizing fake financial gurus
Understanding how undeserving investment gurus get Popular
Pandering to advertisers
Jumping over Real and Imaginary Hurdles to Financial Success
Discovering what (or who) is holding you back
Developing good financial habits
Chapter 2: Measuring Your Financial Health

Avoiding Common Money Mistakes
Determining Your Financial Net Worth
Adding up your financial assets
Recognizing fake financial gurus
Crunching your numbers
Interpreting your net worth results
Examining Your Credit Score and Reports
Understanding what your credit data includes and means
Obtaining your credit reports and score
Improving your credit reports and score
Getting credit report errors corrected
Knowing the Difference between Bad Debt and Good Debt
Consuming your way to bad debt
Recognizing bad debt overload
Assessing good debt: Can you get too much?
Playing the credit card float
Analyzing Your Savings
Evaluating Your Investment Knowledge
Assessing Your Insurance Savvy
Chapter 3: Determining Where Your Money Goes
CLICK HRER TO GET THE EBOOK
Examining the Roots of Overspending
Access to credit
Misusing credit cards
Taking out car loans
Bending to outside influences and agendas
Spending to feel good
Analyzing Your Spending
Tracking spending the low-tech way
Tracking your spending on the computer
Chapter 4: Establishing and Achieving Goals

You May Also Like  Koloflow Ft. Diva Oyin - Throne

Creating Your Own Definition of “Wealth”
Acknowledging what money can’t buy
Managing the balancing act
Prioritizing Your Savings Goals
Knowing what’s most important to you
Valuing retirement accounts
Dealing with competing goals
Building Emergency Reserves
Saving to Buy a Home or Business
Funding Kids’ Educational Expenses
Saving for Big Purchases
Preparing for Retirement
Figuring what you need for retirement
Understanding retirement building blocks
Retirement planning worksheet
Making up for lost time
Part II: Saving More, Spending Less
Chapter 5: Dealing with Debt
CLICK HRER TO GET THE EBOOK
Using Savings to Reduce Your Consumer Debt
Understanding how you gain
Discovering money to pay down consumer debts
Decreasing Debt When You Lack Savings
Reducing your credit card’s interest rate
Understanding all credit card terms and conditions
Cutting up your credit cards
Discovering debit cards: The best of both worlds
Turning to Credit Counseling Agencies
Beware biased advice at credit counseling agencies
Ask questions and avoid debt management programs
Filing Bankruptcy Understanding bankruptcy benefits
Coming to terms with bankruptcy drawbacks
Deciphering the new bankruptcy laws
Choosing between
Chapter 7 and 13

Seeking bankruptcy advice
Stopping the Spend-and-Consumer Debt Cycle
Resisting the credit temptation
Identifying and treating a compulsion
Chapter 6: Reducing Your Spending

Finding the Keys to Successful Spending
Living within your means
Looking for the best values
Eliminating the fat from your spending
Turning your back on consumer credit
Budgeting to Boost Your Savings
Reducing Your Spending: Eric’s Strategies
Managing food costs
Saving on shelter Cutting transportation costs
Lowering your energy costs
Controlling clothing costs
Repaying your debt
Indulging responsibly in fun and recreation
Lowering your phone bills
Technology: Spending wisely
Curtailing personal care costs
Paring down professional expenses
Looking for value in publication subscriptions
Managing medical expenses
Eliminating costly addictions
Keeping an eye on insurance premiums
Trimming your taxes
Chapter 7: Taming Taxes

Understanding the Taxes You Pay
Focusing on the total taxes you pay
Recognizing the importance of your marginal tax rate
Defining taxable income
Being mindful of the second tax system: Alternative minimum tax
Trimming Employment Income Taxes
Contributing to retirement plans
Shifting some income
Increasing Your Deductions
Choosing standard or itemized deductions
Purchasing real estate
Trading consumer debt for mortgage debt
Contributing to charities
Remembering auto registration fees and state insurance
Deducting miscellaneous expenses
Deducting self-employment expenses
Reducing Investment Income Taxes
Investing in tax-free money market funds and bonds
Selecting other tax-friendly investments
Making your profits long-term
Does funding retirement accounts still make sense?
Enlisting Education Tax Breaks
Getting Help from Tax Resources
IRS assistance
Preparation and advice guides
Software and Web sites
Professional hired help
Dealing with an Audit
Getting your act together
Surviving the day of reckoning
Part III: Building Wealth with Wise Investing
Chapter 8: Important Investment Concepts

Establishing Your Goals
Understanding the Primary Investments
Looking at lending investments
Exploring ownership investments
Shunning Gambling Instruments and Behaviors
Forsake futures, options, and other derivatives
Ditch daytrading
Understanding Investment Returns
Sizing Investment Risks
Comparing the risks of stocks and bonds
Focusing on the risks you can control
Discovering low-risk, high-return investments
Diversifying Your Investments
Spread the wealth: Asset allocation
Allocating money for the long term
Sticking with your allocations: Don’t trade
Investing lump sums via dollar-cost averaging
Acknowledging Differences among Investment Firms
Focusing on the best firms
Places to consider avoiding
Seeing through Experts Who Predict the Future
Investment newsletters Investment gurus
Leaving You with Some Final Advice
Chapter 9: Understanding Your Investment Choices

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Slow and Steady Investments
Transaction/checking accounts
Savings accounts and money market funds
Bonds
Building Wealth with Ownership Vehicles
Stocks
Generating wealth with real estate
Investing in small business (and your career)
Off the Beaten Path: Investment Odds and Ends
Precious metals
Annuities
Collectibles
Chapter 10: Investing in Mutual Funds

Understanding the Benefits of Mutual Funds
Exploring Various Fund Types
Money market funds
Bond funds
Stock funds
Balancing bonds and stocks: Hybrid funds
U.S., international, and global funds
Index funds
Specialty (sector) funds
Selecting the Best Mutual Funds
Reading prospectuses and annual reports
Keeping costs low
Evaluating historic performance
Assessing fund manager and fund family reputations
Rating tax friendliness
Determining your needs and goals
Deciphering Your Fund’s Performance
Dividends
Capital gains
Share price changes
Evaluating and Selling Your Funds
Chapter 11: Investing in Retirement Accounts

SLooking at Types of Retirement Accounts
Employer-sponsored plans
Self-employed plans
Individual retirement accounts (IRAs)
Annuities: An odd investment
Allocating Your Money in Retirement Plans
Prioritizing retirement contributions
Setting up a retirement account
Allocating money when your employer selects the investment options
Allocating money in plans you design
Transferring Retirement Accounts
Transferring accounts you control
Moving money from an employer’s plan
Chapter 12: Investing in Taxable Accounts

Getting Started
Paying off high-interest debt
Taking advantage of tax breaks
Understanding Taxes on Your Investments
Fortifying Your Emergency Reserves
Bank and credit union accounts
Money market mutual funds
Investing for the Longer Term (A Few Years or More)
Defining your time horizons
Bonds and bond funds
Certificates of deposit (CDs)
Stocks and stock funds
Annuities
Real estate
Small-business investments
Chapter 13: Investing for Educational Expenses
CLICK HRER TO GET THE EBOOK

Figuring Out How the Financial Aid System Works
Treatment of retirement accounts
Treatment of money in the kids’ names
Treatment of home equity and other assets
Strategizing to Pay for Educational Expenses
Estimating college costs
Setting realistic savings goals
Tips for getting loans, grants, and scholarships
Investing Educational Funds
Good investments: No-load mutual funds
Bad investments
Overlooked investments
Chapter 14: Investing in Real Estate: Your Home and Beyond

Deciding Whether to Buy or Rent
Assessing your timeline
Determining what you can afford
Calculating how much you can borrow
Comparing the costs of owning versus renting
Considering the long-term costs of renting
Recognizing advantages to renting
Financing Your Home
Understanding the two major types of mortgages
Choosing between fixed- and adjustable-rate mortgages
Shopping for fixed-rate mortgages
Inspecting adjustable-rate mortgages (ARMs)
Avoiding the down-payment blues
Comparing 15-year and 30-year mortgages
Finding the best lender
Increasing your approval chances
Finding the Right Property
Condo, town house, co-op, or detached home?
Casting a broad net
Finding out actual sale prices
Researching the area
Working with Real Estate Agents
Recognizing conflicts of interest
Looking for the right qualities in real estate agents
Putting Your Deal Together
Negotiating 101
Inspecting before you buy
Remembering title insurance and escrow fees
After You Buy
Refinancing your mortgage
Mortgage life insurance
Is a reverse mortgage a good idea?
Selling your house
Part IV: Insurance: Protecting What You’ve Got
Chapter 15: Insurance: Getting What You Need at the Best Price

Discovering My Three Laws of Buying Insurance
Law I: Insure for the big stuff; don’t sweat the small stuff
Law II: Buy broad coverage
Law III: Shop around and buy direct
Dealing with Insurance Problems
Knowing what to do if you’re denied coverage
Getting your due on claims
Chapter 16: Insurance on You: Life, Disability, and Health

Providing for Your Loved Ones: Life Insurance
Determining how much life insurance to buy
Comparing term life insurance to cash value life insurance
Making your decision
Buying term insurance
Getting rid of cash value life insurance
Considering the purchase of cash value life insurance
Preparing for the Unpredictable: Disability Insurance
Deciding whether you need coverage
Determining how much disability insurance you need
Identifying other features you need in disability insurance
Deciding where to buy disability insurance
Getting the Care You Need: Health Insurance
Choosing the best health plan
Buying health insurance
Dealing with insurance denial
Looking at retiree medical care insurance
Chapter 17: Covering Your Assets

You May Also Like  Mackson Ft. 27Dreezie - 5 Star

Insuring Where You Live
Dwelling coverage: The cost to rebuild
Personal property coverage: For your things
Liability insurance: Coverage for when others are harmed
Flood and earthquake insurance: Protection from Mother Nature
Deductibles: Your cost with a claim
Special discounts
Buying homeowner’s or renter’s insurance
Auto Insurance 101
Bodily injury/property damage liability
Uninsured or underinsured motorist liability
Deductibles
Special discounts
Little-stuff coverage to skip
Buying auto insurance
Protecting against Mega-Liability: Umbrella Insurance
You Can’t Take It with You: Planning Your Estate
Wills, living wills, and medical powers of attorney
Avoiding probate through living trusts
Reducing estate taxes
Part V: Where to Go for More Help
Chapter 18: Working with Financial Planners
CLICK HRER TO GET THE EBOOK

Surveying Your Financial Management Options
Doing nothing
Doing it yourself
Hiring financial help
Deciding Whether to Hire a Financial Planner
How a good financial advisor can help
Why advisors aren’t for everyone
The Frustrations of Finding Good Financial Planners
Recognizing conflicts of interest
Regulatory problems Finding a Good Financial Planner
Soliciting personal referrals
Seeking advisors through associations
Interviewing Financial Advisors: Asking the Right Questions
What percentage of your income comes from clients’ fees versus commissions?
What percentage of fees paid by clients is for ongoing money management versus hourly financial planning?
What is your hourly fee?
Do you also perform tax or legal services?
What work and educational experience qualifies you to be a financial planner?
Have you ever sold limited partnerships? Options? Futures? Commodities?
Do you carry liability (errors and omissions) insurance?
Can you provide references from clients with needs similar to mine?
Will you provide specific strategies and product recommendations that I can implement on my own if I choose?
How is implementation handled?
Learning from Others’ Mistakes
Chapter 19: Computer Money Management

Surveying Software and Web Sites
Adding up financial software benefits
Treading carefully on the Web
Accomplishing Computer Money Tasks
Paying your bills and tracking your money
Planning for retirement
Preparing your taxes
Researching investments
Trading online
Reading and searching periodicals
Buying life insurance
Preparing legal documents
Chapter 20: On Air and in Print
CLICK HRER TO GET THE EBOOK

Observing the Mass Media
Alarming or informing us?
Teaching what kind of values?
Worshiping prognosticating pundits
Rating Radio and Television Financial Programs
Finding the Best Web Sites
Navigating Newspapers and Magazines
Betting on Books
Understanding the book publishing business
Books at the head of their class
Part VI: The Part of Tens
Chapter 21: Survival Guide for Ten Life Changes

Starting Out: Your First Job
Changing Jobs or Careers
Getting Married
Buying a Home Having Children
Starting a Small Business
Caring for Aging Parents
Divorcing
Receiving a Windfall
Retiring
Chapter 22: Ten Tactics to Thwart Identity Theft and Fraud

Save Phone Discussions for Friends Only
Never Respond to E-mails Soliciting Information
Review Your Monthly Financial Statements
Secure All Receipts
Close Unnecessary Credit Accounts
Regularly Review Your Credit Reports
Freeze Your Credit Reports
Keep Personal Information off Your Checks
Protect Your Computer and Files
Protect Your Mail.





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