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Part 1: What Does ``Financial Security'' Mean to You? |
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1 | (78) |
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Bubbles and Bailouts: Understanding the Financial Crisis |
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3 | (10) |
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3 | (1) |
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New Mortgage Products Set the Stage for the Housing Bubble |
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4 | (1) |
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5 | (1) |
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5 | (1) |
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Dodging Financial Bubbles |
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6 | (1) |
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How the Government Contributed to the Financial Crisis |
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7 | (2) |
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9 | (4) |
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Put Your Money to Work for You |
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13 | (14) |
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Putting Money to Work Is the Essence of Investing |
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13 | (1) |
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The Miracle of Compounding |
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14 | (1) |
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How Compounding Makes the Difference |
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15 | (1) |
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An Easy Way to Figure Compound Interest |
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16 | (3) |
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The ``Blow-Your-Mind-by-Adding-Time'' Chart |
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19 | (1) |
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19 | (1) |
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Become an Educated Investor, Not Just a Consumer |
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20 | (1) |
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Time, Risk, and Your Sanity |
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20 | (3) |
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The Fed's Balancing Act: Dampening Inflation Without Dumping on Us |
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23 | (4) |
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The Problem with Inflation |
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24 | (1) |
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What Do Interest Rates Have to Do with Stocks and Bonds? Glad You Asked! |
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25 | (2) |
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How Do You Really Feel About Risk? |
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27 | (16) |
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28 | (1) |
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What You Made, What You Paid |
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28 | (1) |
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Fear of Heights: The Higher the Return, the Greater the Risk |
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29 | (1) |
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30 | (2) |
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Standard Deviation and a Podunk Potato |
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30 | (1) |
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31 | (1) |
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The Three Broad Investment Classes |
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32 | (2) |
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Variety Is the Spice of Life |
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34 | (1) |
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Quiz Thyself to Know Thyself: Risk Tolerance Quiz |
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34 | (4) |
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Got the Time? Take the Time Horizon Quiz |
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38 | (5) |
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Selecting Your Investing Objectives and Style |
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43 | (12) |
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44 | (5) |
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Mattresses Are for Sleeping, Not Stashing |
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44 | (1) |
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45 | (1) |
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46 | (1) |
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47 | (1) |
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47 | (2) |
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49 | (1) |
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How Can I Bring Home the Bacon, Fry It Up in a Pan, and Have Some Left Over? |
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49 | (3) |
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50 | (1) |
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51 | (1) |
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51 | (1) |
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How Gold Do You Want Your Golden Years to Be? |
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52 | (3) |
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What Do You Have Right Now-and What Will You Need to Retire? |
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55 | (24) |
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So What Will Social Security Do for Me, Anyway? |
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56 | (1) |
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Time to Pester Human Resources |
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57 | (1) |
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58 | (1) |
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Creating Your Own Fabulous Pension Plan |
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59 | (1) |
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A Super-Easy Way to Figure Out How Much You Need to Save |
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60 | (4) |
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Use the 401(k) Plan, Stan |
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64 | (1) |
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65 | (1) |
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Trust Us, You Really Don't Want to Wait |
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66 | (1) |
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But My Circumstances Will Change... Won't They? |
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66 | (1) |
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67 | (1) |
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Your Personal Balance Sheet: A Snapshot of Your Finances |
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68 | (11) |
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Your Personal Balance Sheet: A Snapshot of Your Finances |
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68 | (2) |
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Get a Grip with a Personal Income Statement |
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70 | (3) |
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A Happy Couple on the Right Track |
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73 | (2) |
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Your Typical Young Guy Living Hand to Mouth |
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75 | (4) |
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79 | (56) |
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81 | (16) |
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If You Aren't Planning for Retirement Yet, You're Not Alone |
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82 | (1) |
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82 | (3) |
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How the Amount of Your Monthly Pension Is Determined |
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83 | (2) |
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A Whole Lotta Lumps or Just One: The Lump-Sum Option |
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85 | (1) |
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If Your Employer Drops the Ball |
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85 | (1) |
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Defined Contribution Plans |
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85 | (1) |
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86 | (2) |
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Benefits of 401(k) and 403(b) Plans |
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86 | (1) |
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Can I Borrow from My 401 (k)? |
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87 | (1) |
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What If I Change Employers? |
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88 | (1) |
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88 | (1) |
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Should You Put All Your Eggs in the Company Basket? Ask the Folks at Enron |
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89 | (1) |
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What About Stock Options? Go for It |
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90 | (1) |
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Individual Retirement Accounts |
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91 | (1) |
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Old Faithful: The Traditional IRA |
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92 | (1) |
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92 | (2) |
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Avoiding the 10 Percent Early Withdrawal Penalty |
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94 | (1) |
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Which IRA Is Right for Me? |
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94 | (1) |
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Traditional and Roth IRA Contribution Limits |
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95 | (2) |
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Solving Debt and Credit Problems |
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97 | (10) |
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What Does Your Credit Report Say About You? |
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98 | (1) |
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98 | (1) |
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How to Check Your Credit Reports |
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99 | (2) |
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Debit Cards: A Better Choice? |
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101 | (1) |
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The Mysteries of Your FICO Score |
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101 | (2) |
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Paying Your Bills on Time (35 Percent) |
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102 | (1) |
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Ratio of Debt to Total Credit Limit (30 Percent) |
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102 | (1) |
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Length of Credit History (15 Percent) |
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103 | (1) |
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New Accounts, Credit Inquiries, and Recent Applications (10 Percent) |
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103 | (1) |
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Mix of Credit Cards and Loans (10 Percent) |
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103 | (1) |
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Should I Pay Off My Debt or Invest? |
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103 | (4) |
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Home Ownership: What You Need to Know |
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107 | (14) |
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108 | (1) |
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108 | (1) |
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109 | (1) |
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Evaluate Your Mortgage-Worthiness Before a Banker Does |
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110 | (1) |
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Compare Renting to Owning |
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110 | (1) |
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Over Time, Owning Should Save You Money |
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111 | (1) |
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112 | (1) |
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How Much of Your Income Should You Spend on Housing? |
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112 | (1) |
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Fixed-Rate vs. Adjustable-Rate Mortgage |
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112 | (1) |
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113 | (1) |
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114 | (1) |
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Second Mortgages: Pros and Cons |
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115 | (1) |
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Pluses and Pitfalls of Paying Off Your Mortgage |
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116 | (1) |
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Should You Shorten Your Mortgage? |
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117 | (1) |
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117 | (1) |
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Renting Out Your Home When You Move |
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118 | (1) |
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119 | (1) |
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119 | (2) |
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Funding Your Own (or Your Child's) Education |
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121 | (14) |
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An Overview of College Costs |
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122 | (1) |
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An Investment That Really Pays |
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122 | (1) |
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Put Your Financial Security First |
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123 | (1) |
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Establishing an Education Fund |
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123 | (1) |
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Using a Traditional or Roth IRA to Save for College |
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124 | (1) |
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Coverdell Education Savings Accounts (ESAs) |
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125 | (1) |
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Qualified Tuition Programs (Section 529s) |
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125 | (2) |
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Pros and Cons of 529 Plans |
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127 | (1) |
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Tax Breaks for Education Expenses |
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128 | (1) |
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The Hope Scholarship Credit |
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128 | (1) |
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Lifetime Learning Credits |
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129 | (1) |
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129 | (1) |
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The Education-Loan Interest Deduction |
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129 | (1) |
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Patriot Bonds (formerly EE Savings Bonds) |
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129 | (2) |
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131 | (1) |
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Sorting Out All the Options |
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131 | (1) |
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132 | (3) |
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135 | (98) |
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What Are They Up to on Wall Street, Anyway? |
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137 | (22) |
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The Purpose of Wall Street |
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138 | (2) |
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138 | (1) |
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139 | (1) |
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140 | (1) |
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The Securities and Exchange Commission (SEC) |
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141 | (1) |
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What's With All the Animal References? |
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142 | (1) |
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But What Do All Those Numbers Mean? |
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142 | (2) |
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The Key to Your Stock Knowledge: Price-Earnings Ratios |
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144 | (1) |
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Look into My P/E Crystal Ball |
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145 | (1) |
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Should You Play with the Big Kids or Just Get a Piggyback Ride? |
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146 | (3) |
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146 | (1) |
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Creating Your Own Stock Index Fund |
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147 | (1) |
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Just Buy Large-Cap Stocks |
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147 | (1) |
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How to Manage Your Index Fund: Leave It Alone! |
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148 | (1) |
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The Best Ways to React to Blips |
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148 | (1) |
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Asset Allocation/Rebalancing |
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149 | (1) |
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How Much Stock Should Be in Your Portfolio? |
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149 | (2) |
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Dollar Cost Averaging, or How to Own Stocks and Stay Happy |
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151 | (1) |
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The Two Secrets of Successful Investing |
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152 | (1) |
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Interest Rates and the Market |
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152 | (1) |
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153 | (1) |
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153 | (1) |
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Check Out Your Broker's Background |
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153 | (1) |
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SIPC Protection (or What If My Broker Goes Bust?) |
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154 | (1) |
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Placing a Trade with Your Broker |
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154 | (2) |
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Asset Management Accounts |
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156 | (1) |
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157 | (2) |
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How to Invest in Individual Stocks ... Not That We Recommend It! |
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159 | (16) |
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160 | (1) |
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When Should You Buy Stock? |
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161 | (1) |
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If You Buy It, You'd Better Love It |
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161 | (1) |
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The Biggest ``Do'' of All: Invest in Quality |
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162 | (2) |
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Researching Individual Stocks |
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164 | (1) |
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The Invaluable Value Line |
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164 | (1) |
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S&P Stock Guides: Another Great Tool |
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165 | (1) |
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The Best Newspapers for Stock Info |
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165 | (1) |
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All the News That's Fit to Print: Company Annual Reports |
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165 | (4) |
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Analyzing a Company's Annual Report |
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166 | (2) |
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Analyzing the Balance Sheet |
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168 | (1) |
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Dividends: How Companies Share the Wealth |
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169 | (1) |
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The Truth About Stock Splits |
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169 | (2) |
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Diversifying Your Stock Portfolio: How Many Holdings Are Enough? |
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171 | (1) |
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We're Not Talking About Leaky Faucets: Investing Through DRIPs |
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172 | (1) |
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Changed Your Mind About Being Your Own Securities Analyst? |
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173 | (2) |
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Slow and Steady Wins the Race: Fixed-Income Securities |
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175 | (22) |
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What Are Fixed-Income Securities For? |
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176 | (1) |
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When Do You Get That Groovy Interest Income? |
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176 | (3) |
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177 | (1) |
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178 | (1) |
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The Wonderful World of Bond (No, Not James) |
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179 | (4) |
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When Do You Want Bonds in Your Portfolio? |
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180 | (1) |
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How Inflation Erodes Bonds |
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181 | (2) |
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A Simple Rule for Deciding How Much of Your Portfolio to Keep in Bonds |
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183 | (2) |
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183 | (1) |
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184 | (1) |
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Corporate Debt---An Unwise Choice for Small Investors |
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185 | (1) |
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Treasuries---Smart Alternative to Corporate Debt |
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186 | (2) |
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187 | (1) |
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Buying Outstanding Treasuries |
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187 | (1) |
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An Old Favorite: Savings Bonds |
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188 | (3) |
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Patriot Bonds (Formerly EE Savings Bonds) |
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189 | (1) |
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190 | (1) |
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191 | (1) |
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CDs: A Viable Alternative to Government Debt |
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192 | (1) |
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193 | (1) |
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Calculating Taxable-Equivalent Yield |
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193 | (1) |
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194 | (3) |
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Preferred Stock: A Hybrid of Wall Street |
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197 | (8) |
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What Do You Get When You Mix Stocks with Bonds? |
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198 | (1) |
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It Just Doesn't Make Sense |
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198 | (1) |
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199 | (1) |
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200 | (1) |
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What to Look for in a Preferred Stock |
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200 | (3) |
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Cumulative vs. Noncumulative |
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201 | (1) |
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201 | (1) |
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202 | (1) |
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202 | (1) |
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Adjustable Rate Provisions |
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203 | (1) |
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Riding with the Top Down: Convertible Preferred Stock |
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203 | (2) |
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Navigating the Mutual Fund Universe |
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205 | (18) |
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What Exactly Are Mutual Funds? |
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206 | (1) |
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Open-End and Closed-End Funds |
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206 | (2) |
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208 | (1) |
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Index and Tax-Advantaged Funds |
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209 | (1) |
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209 | (2) |
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210 | (1) |
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211 | (1) |
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HOLD Rs: An Alternative to ETFs |
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211 | (2) |
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What's out There in the Fund Universe? |
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213 | (1) |
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Why Funds Are a Great Investment Option |
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214 | (1) |
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How to Pick a Winning Mutual Fund |
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215 | (3) |
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218 | (3) |
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Lifestyle and Tax-Efficient Funds |
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221 | (1) |
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Pick a Date to Rebalance Your Mutual Fund Holdings Annually |
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221 | (2) |
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Investing in Real Estate: Pros and Cons |
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223 | (10) |
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223 | (1) |
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Advantages of Investing Through REITs |
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224 | (1) |
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225 | (2) |
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REIT Funds Offer Better Quality and Safety |
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226 | (1) |
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227 | (1) |
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228 | (1) |
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Four Types of Real Estate Ownership |
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228 | (1) |
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Eight Basic Forms of Real Estate |
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229 | (1) |
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Purchase and Rental of Homes and Apartment Buildings |
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230 | (1) |
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Location, Location, Location |
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231 | (1) |
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How Rental Income Hits Your Tax Return |
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231 | (2) |
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Part 4: Rolling with Life's Changes |
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233 | (46) |
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Work Smart, Not Just Hard: Getting the Max from Your Job |
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235 | (12) |
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What to Ask a New Employer |
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236 | (1) |
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Transferring Retirement Accounts |
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237 | (1) |
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238 | (2) |
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Setting Up Your Own Retirement Plan |
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238 | (2) |
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240 | (1) |
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How the Retirement Age You Choose Affects Social Security |
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241 | (1) |
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Pay Tax on Social Security Benefits? Sad, but True |
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242 | (1) |
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Can You Work and Still Collect Social Security? |
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243 | (1) |
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Advantages to Delaying Retirement |
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243 | (1) |
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When and How to Apply for Your S.S. Benefits |
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243 | (1) |
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244 | (1) |
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Part A and a Hospital Stay |
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244 | (1) |
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How to Pay for the Expenses Medicare Doesn't Cover |
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244 | (1) |
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What About Lump-Sum Retirement Benefits? |
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245 | (2) |
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The Ramifications of Romance |
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247 | (10) |
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248 | (1) |
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The Marriage Tax Becomes the Marriage Bonus |
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249 | (1) |
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250 | (1) |
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Should You Keep Separate Investment Portfolios? |
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251 | (1) |
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Untangling Your Assets During Divorce |
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252 | (1) |
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252 | (1) |
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252 | (1) |
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QDROs---How to Split Retirement Assets When You Split |
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253 | (1) |
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Negotiate with Your Head, Not Your Spleen |
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253 | (1) |
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254 | (3) |
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Cutting Expenses Is Investing |
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257 | (12) |
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258 | (1) |
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Your Tax Bracket Is Higher Than You Think |
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258 | (1) |
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Risk-Free Saving Where You Least Expect It |
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259 | (1) |
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Buying Bulk Is a Great Investment |
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260 | (1) |
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Your Car: Leasing vs. Ownership |
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261 | (3) |
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261 | (1) |
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262 | (1) |
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The Bottom Line on Leasing |
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263 | (1) |
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264 | (1) |
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264 | (1) |
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Knocking Down Real Estate Taxes |
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265 | (1) |
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265 | (4) |
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269 | (10) |
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Don't Insure What You Can Afford to Replace |
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270 | (1) |
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Life Insurance Simplified |
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270 | (5) |
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Determining Your Insurance Needs |
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271 | (1) |
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The Five Basic Types of Life Insurance |
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271 | (4) |
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275 | (1) |
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275 | (1) |
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Your Kids Don't Need Life Insurance |
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276 | (1) |
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Insuring Your Home and Other Assets |
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276 | (3) |
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Part 5: Advanced Investing Strategies |
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279 | (66) |
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Keeping Uncle Sam's Mitts off Your Assets |
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281 | (12) |
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Why You Don't Want to Die Without a Will |
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282 | (1) |
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Probate: The Process of Administering Your Will |
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283 | (1) |
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283 | (1) |
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284 | (1) |
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Estate Tax Repealed in 2010! |
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284 | (3) |
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285 | (1) |
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Cons of Passing Everything on to Your Spouse |
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286 | (1) |
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Watch That Generation Gap |
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287 | (1) |
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287 | (1) |
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287 | (1) |
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QTIP: No, Not the Kind You Stick in Your Ear |
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287 | (1) |
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288 | (1) |
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Other Ways to Reduce Estate Taxes |
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288 | (2) |
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289 | (1) |
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The Gift That Keeps on Giving |
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289 | (1) |
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Just a Little Token---Gifts to Minors' Trusts |
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289 | (1) |
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289 | (1) |
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What If You Inherit Money? |
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290 | (3) |
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What to Do When Your Ship Comes In |
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290 | (1) |
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Beyond Cash: Property, Businesses, and Valuables |
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291 | (1) |
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What to Do with the Dough |
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292 | (1) |
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293 | (14) |
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293 | (1) |
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294 | (2) |
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Hedge Your Bet with a Call |
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295 | (1) |
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Prevent Portfolio Wipeout with a Put |
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295 | (1) |
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How Did This Get Started? |
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296 | (1) |
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Risk-Loving Speculator Seeks Cautious Hedgehog |
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296 | (1) |
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297 | (1) |
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297 | (3) |
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299 | (1) |
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Selling Short vs. Trading Options |
|
|
300 | (1) |
|
|
|
300 | (1) |
|
Option Strategies That Protect Your Stock Positions |
|
|
301 | (1) |
|
|
|
302 | (2) |
|
|
|
302 | (1) |
|
Hedge Strategies for Index Options |
|
|
303 | (1) |
|
The Braveheart of Wall Street |
|
|
304 | (1) |
|
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|
304 | (3) |
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|
|
307 | (10) |
|
|
|
308 | (1) |
|
It All Began with Farmers |
|
|
308 | (1) |
|
How a Future Differs from an Option |
|
|
309 | (1) |
|
|
|
310 | (1) |
|
Using Futures to Offset Uncertainty |
|
|
311 | (1) |
|
|
|
312 | (1) |
|
|
|
313 | (1) |
|
Spread Strategies for Speculators |
|
|
314 | (1) |
|
|
|
315 | (2) |
|
|
|
317 | (28) |
|
How Regular Folk Discovered Alternative Investments |
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318 | (1) |
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|
|
319 | (1) |
|
Venture Capital and LBO Funds |
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|
319 | (1) |
|
The Private Equity Fund of Funds |
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|
320 | (2) |
|
What You Need to Qualify for a Fund of Funds |
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|
320 | (1) |
|
How Limited Partnership Works |
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|
321 | (1) |
|
Pros and Cons of LP Investments |
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322 | (3) |
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|
|
|
|
325 | (10) |
|
Useful Investing Information |
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|
335 | (6) |
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|
|
341 | (4) |
| Index |
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345 | |
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