Atnaujinkite slapukų nuostatas

El. knyga: Financial Security For Dummies

3.60/5 (30 ratings by Goodreads)
  • Formatas: EPUB+DRM
  • Išleidimo metai: 04-Oct-2021
  • Leidėjas: For Dummies
  • Kalba: eng
  • ISBN-13: 9781119780809
  • Formatas: EPUB+DRM
  • Išleidimo metai: 04-Oct-2021
  • Leidėjas: For Dummies
  • Kalba: eng
  • ISBN-13: 9781119780809

DRM apribojimai

  • Kopijuoti:

    neleidžiama

  • Spausdinti:

    neleidžiama

  • El. knygos naudojimas:

    Skaitmeninių teisių valdymas (DRM)
    Leidykla pateikė šią knygą šifruota forma, o tai reiškia, kad norint ją atrakinti ir perskaityti reikia įdiegti nemokamą programinę įrangą. Norint skaityti šią el. knygą, turite susikurti Adobe ID . Daugiau informacijos  čia. El. knygą galima atsisiųsti į 6 įrenginius (vienas vartotojas su tuo pačiu Adobe ID).

    Reikalinga programinė įranga
    Norint skaityti šią el. knygą mobiliajame įrenginyje (telefone ar planšetiniame kompiuteryje), turite įdiegti šią nemokamą programėlę: PocketBook Reader (iOS / Android)

    Norint skaityti šią el. knygą asmeniniame arba „Mac“ kompiuteryje, Jums reikalinga  Adobe Digital Editions “ (tai nemokama programa, specialiai sukurta el. knygoms. Tai nėra tas pats, kas „Adobe Reader“, kurią tikriausiai jau turite savo kompiuteryje.)

    Negalite skaityti šios el. knygos naudodami „Amazon Kindle“.

Boost your financial health so you’re ready for any economic or personal upheaval

Crisis is inevitable—but it doesn’t have to torpedo your finances! Financial Security For Dummies offers proven advice to help you prep your finances for the next economic downturn, personal setback, pandemic, plague of locusts—or anything else life throws your way. This book contains the historical perspective and up-to-date info you’ll need to anticipate, understand, and navigate a wide range of personal financial challenges.

If your monthly income and expenses are on steady ground and you’re ready to secure your financial future, this is the For Dummies guide for you. Not only will you create a plan to keep your family’s finances afloat during turbulent times, but you’ll also be liberated from the pressure to “keep up with the Joneses” so you can make smarter financial decisions, starting today. This book will help you:

  • Gain an understanding of how unforeseen personal or global events could affect your financial life
  • Learn strategies for protecting your assets when economic downturns and other emergencies occur
  • Feel confident in your unique path to financial freedom so you can remain calm when life takes an unexpected turn
  • Build a survival plan for protecting yourself with broader safety nets, better money decisions, and improved financial literacy

Whether you want to reduce your stress surrounding your financial goals or take advantage of financial opportunities crises create, Financial Security For Dummies will equip you to navigate financial challenges and ultimately achieve peace of mind.

Introduction 1(4)
About This Book
1(1)
Foolish Assumptions
2(1)
Icons Used in This Book
2(1)
Beyond the Book
3(1)
Where to Go from Here
3(2)
Part 1: Understanding Financial Security 5(48)
Chapter 1 Navigating the (Bumpy) Road to Financial Independence
7(10)
Reaching for Financial Security
8(5)
Defining what you value
8(2)
Assessing where you are
10(1)
Grasping financial lingo and trends
11(1)
Trying not to avoid money
11(1)
Making use of insurance: A necessary evil
12(1)
Coping with Crises
13(2)
Everyone faces challenges, obstacles, and setbacks
13(1)
Common crisis
14(1)
Making Decisions Based on Changing Circumstances
15(2)
Chapter 2 Understanding Capitalism and Economic Downturns
17(22)
Understanding Our Economic System
18(7)
Capitalism strengths and criticism
18(4)
History of growth and downturns
22(3)
Touring Past Crises: What Happened and Why
25(10)
Why pilot training has relevance for your tour
25(1)
The Panic of 1907
26(1)
The Great Depression
27(2)
World War II
29(1)
Arab oil embargo and Watergate/Nixon's resignation
29(1)
9/11 terrorist attacks and recession
30(1)
2008 financial crisis
31(1)
2020 Covid-19 Pandemic
32(3)
Mistakes Made...and Lessons to Carry With You
35(4)
Chapter 3 Coping with Personal Crises
39(14)
When a Crisis Comes Calling
40(9)
Losing your job or a significant source of income
40(3)
Facing a medical crisis
43(1)
Caring for elderly parents unexpectedly
44(2)
Splitting from your spouse
46(1)
Coping with the death of a spouse
47(1)
Dealing with a natural disaster
48(1)
Success Plans for Personal Crises and Life Changes
49(6)
Keeping your big picture in mind
50(1)
Considering a comprehensive checklist
50(3)
Part 2: Crisis Mode: Accessing Safety Nets And Emergency Measures 53(34)
Chapter 4 Your Safety Nets
55(12)
Taking Stock of Your Resources
55(4)
Surveying your accessible money and spending options
56(1)
Finding assistance from family
57(1)
Ensuring adequate insurance coverage
58(1)
Surveying Societal Safety Nets
59(8)
Health insurance subsidies
59(4)
Unemployment insurance benefits
63(1)
Federal refundable tax credits
64(1)
Help with housing
65(1)
For more information on safety net programs
66(1)
Chapter 5 Digging Out and Forging Ahead
67(20)
Turning Your Eye toward Recovery
67(3)
Knowing how long it will take to regain stable financial footing
68(1)
Coping with frustration and moving on
69(1)
Thinking (and Researching) Before Making Financial Moves
70(1)
Wise financial actions to take
70(1)
Boneheaded financial actions to avoid
70(1)
Leaning on an Expert for Help
71(9)
Knowing how experts can help
72(1)
Being careful in a time of need
72(1)
Finding financial advisors and planners
72(3)
Being aware of budget counselors
75(1)
Investing in investment managers
76(1)
Looking into real estate agents
77(2)
Making note of tax preparers and advisors
79(1)
Dealing with insurance agents
80(1)
Tuning in to attorneys
80(1)
Minding Your Media Intake
80(9)
Example 1: The Covid-19 pandemic
81(2)
Example 2: The 2008 Financial Crisis
83(2)
Example 3: Corporations not paying income taxes
85(1)
Lessons learned and keys to remember
86(1)
Part 3: Being A Smart Consumer Of Economic Information 87(46)
Chapter 6 So Many Numbers! Making Sense of Economic Reports
89(20)
Keeping Economic Reports in Perspective
90(3)
Reports are a (small) snapshot in time
90(1)
Beware annualized numbers
91(1)
Take a long-term view of the numbers
92(1)
Sleuthing Through Economic Reports
93(9)
Employment/jobs reports
93(2)
Gross Domestic Product
95(1)
Consumer confidence
96(1)
Corporate profits
97(2)
Consumer prices (also known as inflation)
99(1)
The reports you can mostly ignore
100(2)
Interpreting Media Coverage of Economic Data
102(7)
Understanding the short-term and provocative focus
102(1)
Keeping an eye out for biases
102(1)
Example 1: The Covid-19 pandemic
103(2)
Example 2: The 2008 financial crisis
105(4)
Chapter 7 Says Who? Weighing "Expert's" Advice
109(12)
Understanding Why Particular Pundits Get Attention
110(8)
Important things to know about the "news" media
110(2)
Getting media attention is a competitive business
112(1)
Controversial points of view often attract
112(2)
Political partisans can be hazardous to your wealth
114(4)
Uncovering Gurus' Agendas
118(2)
Figuring out what they're really selling
118(1)
Checking out their qualifications and track records
119(1)
Deciding Whether Hiring an Advisor Is the Right Choice
120(1)
Chapter 8 Following Financial Markets
121(12)
Understanding Stocks and Bonds
122(1)
Making Informed Investing Decisions
123(6)
Connecting corporate profits to stock prices
124(1)
Looking at financial market efficiency
125(1)
Focusing on interest rates, inflation, and the Federal Reserve
126(3)
Challenging Financial Markets During Changing Times
129(6)
What really moves financial markets (in the short term)
130(1)
Why market timing is so hard to do
131(2)
Part 4: Keeping Your Personal Finance House In Order 133(90)
Chapter 9 Getting on the Right Road with Spending and Saving
135(26)
Getting a Handle on Your Spending
136(9)
Differentiating necessities from luxuries
136(1)
Reducing your expenditures
137(6)
Setting and following a budget
143(1)
Some final spending reminders
144(1)
Saving: Necessary Rocket Fuel
145(6)
Understanding compounded returns
146(1)
Considering your short- and long-term personal and financial goals
146(3)
Noting the power of tax-deferred retirement accounts
149(2)
Upping Your Income
151(1)
Lowering Your Tax Bill
152(6)
Knowing your income tax rate
152(1)
Using your income tax rate
153(3)
Taxing issues regarding children
156(1)
Making quarterly tax filing requirements
157(1)
Ouch! Dealing with Major Medical Bills
158(3)
Reviewing your billing statements for accuracy
158(1)
Negotiating with providers or an insurance company
158(3)
Chapter 10 Investing Wisely and Securely
161(34)
Checking Out All the Places You Can Invest Your Money
161(15)
Noting how investment types differ from one another
162(2)
Understanding the major investments
164(1)
Building wealth with stocks
165(6)
Locating money through real estate
171(3)
Turning to small business options
174(1)
Searching for safe money investments
175(1)
Cultivating Good Investing Habits
176(6)
Understanding fees
177(1)
Managing monitoring and trading your investments
178(2)
Keeping your emotions from following market trends
180(1)
Dealing with investment setbacks
181(1)
Developing a Personal Investing Plan
182(6)
Taxing situations
183(1)
Assessing your current portfolio
183(2)
Allocating those assets
185(3)
Selecting the Best Mutual Funds and Exchange-Traded Funds (ETFs)
188(3)
Investing in stock and bond funds
189(2)
Minding the ABCs of ETFs
191(1)
Seizing Investment Opportunities During Tough Times
191(4)
Cashing in on reduced stock and real estate prices
192(1)
Mustering the courage to buy when more people are selling
193(2)
Chapter 11 Getting and Maintaining Proper Insurance
195(28)
Being Prepared: A Quick Lesson on Insurance
196(3)
Don't sweat the small losses
196(1)
Define a small loss
197(1)
Insurance not to buy
198(1)
Insurance worth purchasing
199(1)
Protecting Your Health
199(5)
Reviewing your current health insurance
200(1)
Saving tax dollars with health savings accounts
201(1)
Maximizing your personal health
202(2)
Securing Your Income-Earning Ability
204(5)
Long-term disability insurance
204(3)
Life insurance
207(2)
Insurance on Your Assets
209(8)
Insuring your home
210(3)
Auto insurance
213(4)
Excess liability insurance
217(1)
Will, Trusts, and Estate Planning
217(2)
Starting with a will
217(1)
Preparing other useful legal documents
218(1)
Considering your preparation options
219(1)
Protecting Yourself from Identity Theft and Fraud
219(4)
Part 5: Prepping For Future Armageddon 223(28)
Chapter 12 What Pundits Scare People About
225(16)
Fearmongers Have Been Scaring Folks for Generations
226(7)
Case study: Peter Schiff has been scaring investors for generations
227(4)
Understanding what pundits are trying to sell you
231(1)
Seeing why fearmongers' predictions are often wrong
232(1)
Surveying the Leading Worries Being Pitched Today
233(8)
Excessive government debts
233(4)
High inflation and worthless currencies
237(1)
Anarchy and the breakdown of society
238(3)
Chapter 13 Preparing Yourself for Unexpected Future Crises
241(10)
What Possible Future Crises Should You Be Prepared For?
242(7)
Dangers of excessive dependence upon technology and internet
243(1)
Hazards of faster and inaccurate "news" flow
243(2)
Spreading socialism
245(1)
Climate change (also known as global warming)
245(2)
Power grid failures and resource shortages
247(1)
Solvency of Social Security
248(1)
Preparing Financially and Otherwise for New Future Crises
249(2)
Part 6: The Part Of Tens 251(14)
Chapter 14 Tens Ways to Improve Your Personal Safety
253(6)
Combine Your Instincts with Proven Strategies
253(1)
What You Don't Know Can Hurt You
254(1)
Do Unto Others As You Would Have Others Do Unto You
254(1)
Err on the Side of Caution
255(1)
There's (Some) Safety in Numbers, But There May be a Weak Link
255(1)
If It Looks Too Good to Be True, It Probably Is
255(1)
Don't Assume "Lightning Never Strikes Twice"
256(1)
Don't Judge a Book by Its Cover
257(1)
Trust Your Instincts
257(1)
Share Your Concerns with Someone You Trust
257(2)
Chapter 15 Ten Ways to Address Over-Saving
259(6)
Understanding the Over-Saver Mindset
259(2)
Balancing Spending and Saving
261(1)
Keeping Money Accumulation in Proper Perspective
261(1)
Giving Yourself Permission to Spend More
262(1)
Doing Some Retirement Analysis
262(1)
Getting Smart about Investing Your Money
262(1)
Going On a News Diet
262(1)
Treating Yourself to Something Special
263(1)
Buying More Gifts for the People You Love
263(1)
Going Easy When It Comes to Everyday Expenses
263(2)
Index 265
Eric Tyson is the only author to have four of his books on Business Weeks business book bestseller list simultaneously. He has written six national bestsellers in the personal finance field and has appeared on NBCs Today Show, ABC, CNBC, PBSs Nightly Business Report, and CNN. His books include Personal Finance For Dummies, Investing For Dummies, and Home Buying Kit For Dummies.