| Introduction |
|
1 | (4) |
|
|
|
1 | (1) |
|
|
|
2 | (1) |
|
|
|
3 | (1) |
|
|
|
3 | (1) |
|
|
|
3 | (2) |
|
PART 1 GETTING STARTED WITH PERSONAL FINANCE |
|
|
5 | (60) |
|
Chapter 1 Your Financial Checkup |
|
|
7 | (14) |
|
Calculating Your Financial Worth |
|
|
8 | (1) |
|
|
|
8 | (1) |
|
Figuring what you own: Financial assets |
|
|
8 | (1) |
|
Determining what you owe: Financial liabilities |
|
|
9 | (1) |
|
|
|
10 | (1) |
|
Grasping the Importance of Your Savings Rate |
|
|
10 | (1) |
|
Calculating your income and outgo |
|
|
11 | (1) |
|
Assessing the change in your net worth |
|
|
11 | (2) |
|
Understanding and Improving Your Credit Score |
|
|
13 | (1) |
|
Deciphering how lenders use credit reports and scores |
|
|
13 | (1) |
|
Obtaining your credit reports and fixing errors |
|
|
14 | (1) |
|
Getting your credit score |
|
|
15 | (1) |
|
Improving your credit reports and score |
|
|
15 | (1) |
|
Comprehending Your Investment Options |
|
|
16 | (1) |
|
Examining Insurance Coverage |
|
|
17 | (1) |
|
Identifying Common Financial Mistakes Young Adults Make |
|
|
18 | (3) |
|
Chapter 2 Budgeting, Goal Setting, and Valuing Saving |
|
|
21 | (12) |
|
Developing a Savings Mindset |
|
|
22 | (2) |
|
What It's Worth: Valuing Savings over Time |
|
|
24 | (1) |
|
The power of continual savings |
|
|
24 | (1) |
|
The rewards of earning a (slightly) higher annual return on your investment |
|
|
25 | (1) |
|
Budgeting and Boosting Your Savings |
|
|
26 | (2) |
|
Setting and Prioritizing Your Savings Goals |
|
|
28 | (1) |
|
Identifying common goals of accomplished savers |
|
|
28 | (1) |
|
Valuing retirement accounts and financial independence |
|
|
29 | (1) |
|
Dealing with competing goals |
|
|
30 | (1) |
|
Saving When You're Strapped |
|
|
31 | (2) |
|
Chapter 3 Using Loans and Paying Down Debts |
|
|
33 | (18) |
|
Eyeing the Causes of Generational Debt |
|
|
34 | (1) |
|
|
|
35 | (1) |
|
Dealing With Student-Loan Debt |
|
|
36 | (1) |
|
Tracking your student loans and making timely payments |
|
|
36 | (1) |
|
Prioritizing the payback of student loans |
|
|
37 | (1) |
|
Using education tax breaks |
|
|
38 | (1) |
|
Weighing the costs and benefits of education expenditures |
|
|
39 | (1) |
|
Making the most of student loans, grants, and other financial aid |
|
|
40 | (1) |
|
Benefits for military people |
|
|
41 | (1) |
|
|
|
41 | (1) |
|
Kicking the credit-card habit |
|
|
42 | (1) |
|
Discovering debit cards: Convenience without credit temptation |
|
|
42 | (2) |
|
Lowering the interest rate on consumer debt |
|
|
44 | (1) |
|
Negotiating better rates from your current credit card |
|
|
44 | (1) |
|
Tapping investments to reduce consumer debt |
|
|
45 | (1) |
|
|
|
45 | (1) |
|
Getting Help for Extreme Debt |
|
|
46 | (1) |
|
|
|
46 | (1) |
|
|
|
47 | (3) |
|
Preventing Consumer Debt Relapses |
|
|
50 | (1) |
|
Chapter 4 Everything Credit: Scores and Reports |
|
|
51 | (14) |
|
A Primer on Credit Reports and Credit Scores |
|
|
52 | (1) |
|
Differentiating between credit reports and credit scores |
|
|
52 | (1) |
|
Understanding how credit scores are determined |
|
|
53 | (2) |
|
Valuing of a good credit score |
|
|
55 | (1) |
|
Jump-starting your credit score as a young adult |
|
|
55 | (1) |
|
Getting Your Hands on Your Credit Reports and Scores |
|
|
56 | (1) |
|
Recommended websites for free credit scores |
|
|
57 | (1) |
|
|
|
57 | (1) |
|
Scrutinizing Your Credit Reports to Improve Them |
|
|
58 | (1) |
|
Identifying errors and getting them fixed |
|
|
58 | (1) |
|
Boosting your credit score |
|
|
59 | (1) |
|
Preventing Identity Theft |
|
|
60 | (5) |
|
PART 2 SAVING AND EARNING MORE |
|
|
65 | (80) |
|
Chapter 5 Proven Ways to Spend Less and Save More |
|
|
67 | (16) |
|
|
|
68 | (1) |
|
|
|
68 | (3) |
|
Slicing homeowner expenses |
|
|
71 | (1) |
|
|
|
72 | (1) |
|
Managing Food and RestaurantSpending |
|
|
73 | (2) |
|
Trimming Transportation Expenses |
|
|
75 | (1) |
|
Finessing Fashion Finances |
|
|
76 | (2) |
|
|
|
78 | (1) |
|
Taming Technology Spending |
|
|
79 | (2) |
|
Keeping Down Insurance Costs |
|
|
81 | (1) |
|
Getting Affordable and Quality Professional Advice |
|
|
81 | (1) |
|
Handling Healthcare Expenses |
|
|
82 | (1) |
|
Chapter 6 Taxes: Reduce Them When You Can! |
|
|
83 | (14) |
|
Understanding Taxable Income |
|
|
83 | (1) |
|
|
|
84 | (2) |
|
Changes from the Tax Cut and Jobs Act Bill |
|
|
86 | (1) |
|
Reducing Taxes on Work Income |
|
|
87 | (1) |
|
Contributing to retirement plans |
|
|
87 | (2) |
|
Using health savings accounts |
|
|
89 | (1) |
|
Deducting self-employment expenses |
|
|
90 | (1) |
|
Increasing Your Deductions |
|
|
91 | (1) |
|
Lowering Investment Income Taxes |
|
|
92 | (1) |
|
Investing in tax-free money market funds and bonds |
|
|
92 | (1) |
|
Selecting other tax-friendly investments |
|
|
92 | (1) |
|
Making your profits long term |
|
|
93 | (1) |
|
Enlisting Education Tax Breaks |
|
|
93 | (1) |
|
Preparing Your Tax Return and Minimizing Your Taxes |
|
|
94 | (3) |
|
Chapter 7 Housing: Comparing Renting and Buying |
|
|
97 | (18) |
|
The Ins and Outs of Renting |
|
|
97 | (1) |
|
Seeing the benefits of renting |
|
|
98 | (1) |
|
Considering the long-term costs of renting |
|
|
98 | (1) |
|
Completing your rental application |
|
|
99 | (1) |
|
Figuring the Costs of Owning and Making It Happen Financially |
|
|
100 | (1) |
|
|
|
100 | (1) |
|
Comparing the costs of owning versus renting |
|
|
101 | (2) |
|
Considering your overall financial health |
|
|
103 | (1) |
|
Calculating how much you can borrow |
|
|
104 | (1) |
|
Accumulating your down payment |
|
|
104 | (1) |
|
Finding the Right Property |
|
|
105 | (3) |
|
Working with Real-Estate Agents |
|
|
108 | (1) |
|
|
|
109 | (1) |
|
Understanding your mortgage options |
|
|
109 | (1) |
|
Deciding which mortgage type is best for you |
|
|
109 | (1) |
|
Avoiding negative amortization and interest-only loans |
|
|
110 | (1) |
|
Getting your mortgage approved |
|
|
111 | (1) |
|
Putting Your Deal Together |
|
|
112 | (3) |
|
Chapter 8 Relationships and Money |
|
|
115 | (16) |
|
|
|
115 | (2) |
|
Living-Together Contracts |
|
|
117 | (1) |
|
|
|
118 | (2) |
|
Understanding Your Money Beliefs and Practices |
|
|
120 | (1) |
|
Examining your money history |
|
|
121 | (1) |
|
Exploring your attitudes toward money |
|
|
122 | (1) |
|
Understanding your friends and money |
|
|
123 | (1) |
|
Making sense of your environment and money |
|
|
124 | (1) |
|
Getting a Grip on Procrastination Where Money Is Concerned |
|
|
124 | (1) |
|
Diagnosing procrastination |
|
|
124 | (1) |
|
Coming to terms with why you may procrastinate with money issues |
|
|
125 | (2) |
|
Overcoming money avoidance |
|
|
127 | (4) |
|
Chapter 9 Making the Most of Your Career |
|
|
131 | (14) |
|
Getting Your Career Going |
|
|
131 | (1) |
|
Putting everything in order |
|
|
132 | (1) |
|
Educating and training your way to career success |
|
|
133 | (1) |
|
Seeking value for your education dollars |
|
|
133 | (5) |
|
|
|
138 | (1) |
|
Exploring Entrepreneurial Options |
|
|
138 | (1) |
|
Starting a small business |
|
|
138 | (2) |
|
Purchasing a small business |
|
|
140 | (1) |
|
Investing in a small business |
|
|
140 | (1) |
|
|
|
141 | (1) |
|
The Young and the Unemployed |
|
|
142 | (1) |
|
Understanding how joblessness can hit younger adults harder |
|
|
142 | (1) |
|
Accessing unemployment benefits |
|
|
143 | (1) |
|
|
|
143 | (2) |
|
PART 3 INVESTING FOR YOUR FUTURE GOALS |
|
|
145 | (64) |
|
Chapter 10 Successful Investing Principles |
|
|
147 | (20) |
|
Examining Bonds and Other Lending Investments |
|
|
148 | (1) |
|
|
|
148 | (1) |
|
Considering the downsides to lending |
|
|
149 | (1) |
|
Exploring Stocks, Real Estate, and Small-Business Investments |
|
|
150 | (1) |
|
Socking your money away in stocks |
|
|
150 | (3) |
|
Generating wealth with real estate |
|
|
153 | (2) |
|
Going the small-business investment route |
|
|
155 | (1) |
|
Considering Options, Cryptocurrencies, and Other Hot Vehicles |
|
|
156 | (1) |
|
|
|
156 | (1) |
|
Calculating cryptocurrencies |
|
|
157 | (1) |
|
Noting leveraged and inverse ETFs aren't investments |
|
|
158 | (1) |
|
Getting a Handle on Investment Risks |
|
|
159 | (1) |
|
Establishing goals and risks |
|
|
160 | (1) |
|
Comparing the risks of stocks and bonds |
|
|
160 | (1) |
|
Spreading Your Investment Risks |
|
|
161 | (1) |
|
Understanding why diversification is key |
|
|
161 | (1) |
|
|
|
162 | (1) |
|
Holding onto your investments and shunning the herd |
|
|
163 | (1) |
|
Selecting an Investment Firm |
|
|
164 | (1) |
|
Evaluating Pundits and Experts |
|
|
164 | (3) |
|
Chapter 11 Making the Best Use of Bank Accounts |
|
|
167 | (10) |
|
Looking at Different Types of Banks |
|
|
167 | (1) |
|
|
|
168 | (1) |
|
|
|
168 | (1) |
|
|
|
169 | (1) |
|
Understanding Your Bank Account Options |
|
|
169 | (1) |
|
|
|
169 | (1) |
|
|
|
170 | (1) |
|
|
|
171 | (1) |
|
|
|
171 | (1) |
|
Evaluating a bank: What to look for |
|
|
171 | (3) |
|
Protecting yourself online |
|
|
174 | (1) |
|
Considering Your Alternatives |
|
|
175 | (1) |
|
Brokerage accounts with check writing |
|
|
175 | (1) |
|
|
|
175 | (2) |
|
Chapter 12 Portfolios for a Purpose |
|
|
177 | (16) |
|
Before You Begin Investing |
|
|
177 | (1) |
|
Investing Nonretirement Account Money |
|
|
178 | (1) |
|
|
|
178 | (1) |
|
|
|
179 | (3) |
|
Investing Retirement Account Money |
|
|
182 | (1) |
|
Establishing and prioritizing retirement contributions |
|
|
182 | (1) |
|
Allocating money in employer plans |
|
|
183 | (2) |
|
Designating money in plans you design |
|
|
185 | (2) |
|
|
|
187 | (1) |
|
Understanding the importance of applying for financial aid |
|
|
187 | (3) |
|
Paying for educational costs |
|
|
190 | (3) |
|
Chapter 13 Real-Estate Investing |
|
|
193 | (16) |
|
Understanding Real-Estate Investment Pros and Cons |
|
|
193 | (3) |
|
Evaluating Simpler Real-Estate Investments |
|
|
196 | (1) |
|
Assessing Residential Housing Investments |
|
|
197 | (1) |
|
Investing in Commercial Real Estate |
|
|
198 | (1) |
|
Shunning Sure-to-Lose Real-Estate Investments |
|
|
199 | (2) |
|
Researching Where and What to Buy |
|
|
201 | (1) |
|
Considering economic issues |
|
|
201 | (1) |
|
Taking a look at the real-estate market |
|
|
201 | (2) |
|
Examining property valuation and financial projections |
|
|
203 | (2) |
|
|
|
205 | (4) |
|
PART 4 INSURANCE: PROTECT YOURSELF, YOUR LOVED ONES, AND YOUR ASSETS |
|
|
209 | (38) |
|
Chapter 14 Taking Care with Health Insurance |
|
|
211 | (12) |
|
Making Sure You're Covered |
|
|
212 | (1) |
|
Transitioning your coverage |
|
|
212 | (1) |
|
Seeing how Obamacare changed your coverage |
|
|
213 | (1) |
|
Recent developments and likely future changes |
|
|
214 | (1) |
|
Finding Your Best Health Plan |
|
|
215 | (1) |
|
Selection of doctors and hospitals |
|
|
216 | (1) |
|
Plan benefits and features |
|
|
216 | (1) |
|
Shopping for Health Insurance |
|
|
217 | (1) |
|
Uncovering the best policies |
|
|
217 | (1) |
|
Dealing with Obamacare's high health insurance prices |
|
|
218 | (2) |
|
Handling insurance rejection |
|
|
220 | (1) |
|
Health Savings Accounts: Tax Reduction for Healthcare Costs |
|
|
221 | (2) |
|
Chapter 15 Safeguarding Your Income |
|
|
223 | (10) |
|
Protecting Your Income for You and Yours: Disability Insurance |
|
|
224 | (1) |
|
Understanding disability coverage you may already have |
|
|
224 | (1) |
|
Determining how much disability insurance you need |
|
|
225 | (1) |
|
Identifying useful disability policy features |
|
|
226 | (1) |
|
|
|
227 | (1) |
|
Protecting Your Income for Dependents: Life Insurance |
|
|
227 | (1) |
|
Assessing your current life insurance coverage |
|
|
228 | (1) |
|
Determining how much life insurance to buy |
|
|
228 | (1) |
|
Deciding what type of life insurance to buy |
|
|
229 | (2) |
|
Shopping for life insurance |
|
|
231 | (1) |
|
Caring for Your Loved Ones: "Peace of Mind" Insurance |
|
|
231 | (2) |
|
Chapter 16 Home, Auto, Renter's, and Other Insurance Policies |
|
|
233 | (14) |
|
Protecting Your Home and Possessions: Homeowner's and Renter's Insurance |
|
|
234 | (1) |
|
|
|
234 | (1) |
|
Personal property protection |
|
|
235 | (1) |
|
|
|
235 | (1) |
|
|
|
236 | (1) |
|
Natural disaster protection |
|
|
236 | (1) |
|
Shopping for homeowner's insurance |
|
|
237 | (1) |
|
|
|
238 | (2) |
|
|
|
240 | (1) |
|
Collision and comprehensive |
|
|
241 | (1) |
|
|
|
241 | (1) |
|
|
|
242 | (1) |
|
Avoiding Policies That Cover Small Possible Losses |
|
|
243 | (1) |
|
Extended warranty and repair plans |
|
|
244 | (1) |
|
|
|
244 | (1) |
|
|
|
244 | (1) |
|
Credit life and credit disability policies |
|
|
245 | (1) |
|
Daily hospitalization insurance |
|
|
245 | (1) |
|
|
|
245 | (1) |
|
|
|
246 | (1) |
|
PART 5 YOUR INFORMATION DIET |
|
|
247 | (26) |
|
Chapter 17 Using Media Resources |
|
|
249 | (12) |
|
Going Online: The Wild West of Advice and Predictions |
|
|
250 | (1) |
|
Eyeing the real cost of "free" |
|
|
250 | (2) |
|
|
|
252 | (1) |
|
Using the web for gathering information |
|
|
252 | (2) |
|
Getting Financial Perspectives and Advice from the Media |
|
|
254 | (1) |
|
Being a smart news consumer |
|
|
255 | (1) |
|
Separating the best from the rest |
|
|
256 | (1) |
|
Trusting unnamed "sources" is a bad idea |
|
|
256 | (2) |
|
Understanding that political partisans are hazardous to your wealth |
|
|
258 | (3) |
|
Chapter 18 Professionals You Hire |
|
|
261 | (12) |
|
Seeing the Value of Professional Advice |
|
|
261 | (1) |
|
Considering Financial Advisors |
|
|
262 | (1) |
|
Preparing to hire a financial advisor |
|
|
263 | (1) |
|
Finding good financial advisors |
|
|
264 | (1) |
|
|
|
264 | (2) |
|
Taming Your Taxes with Help |
|
|
266 | (1) |
|
Working with Real-Estate Agents |
|
|
267 | (2) |
|
Using Online Resources to Find Service Providers |
|
|
269 | (1) |
|
|
|
270 | (1) |
|
|
|
270 | (1) |
|
|
|
271 | (2) |
|
|
|
273 | (20) |
|
Chapter 19 Ten Ways to Save on a Car |
|
|
275 | (6) |
|
Don't Buy a Car in the First Place |
|
|
276 | (1) |
|
Pay Cash: Shun Leasing and Borrowing |
|
|
276 | (1) |
|
|
|
277 | (1) |
|
|
|
277 | (1) |
|
Understand a Car's Real Value Before Negotiating |
|
|
277 | (1) |
|
|
|
278 | (1) |
|
Explore Your Servicing Options |
|
|
278 | (1) |
|
|
|
279 | (1) |
|
Take a Lean and Mean Insurance Policy |
|
|
279 | (1) |
|
Track Tax-Deductible Auto Expenses |
|
|
279 | (2) |
|
Chapter 20 Ten Things to Value More than Your Money |
|
|
281 | (6) |
|
|
|
281 | (1) |
|
Staying active and at a healthy weight |
|
|
282 | (1) |
|
Using fitness trackers to monitor your activity level |
|
|
282 | (1) |
|
Making and Keeping Friends |
|
|
283 | (1) |
|
Appreciating What You Have |
|
|
284 | (1) |
|
|
|
284 | (1) |
|
|
|
285 | (1) |
|
|
|
285 | (1) |
|
Putting Your Family First |
|
|
285 | (1) |
|
|
|
286 | (1) |
|
Volunteering and Donating |
|
|
286 | (1) |
|
|
|
286 | (1) |
|
Chapter 21 Nearly Ten Things to Know about Apps |
|
|
287 | (6) |
|
You May Well Get What You Paid for with "Free" Apps |
|
|
288 | (1) |
|
Conduct and Manage Financial Tasks |
|
|
288 | (1) |
|
Use Apps Only from Legitimate Companies with Lengthy Track Records |
|
|
289 | (1) |
|
Consider the Alternatives to an App |
|
|
289 | (1) |
|
Keep Focused on Your Spending |
|
|
289 | (1) |
|
Settle up with Friends But Beware Fees |
|
|
290 | (1) |
|
Save Money on Commonly Purchased Items |
|
|
290 | (1) |
|
Tap into the Latest Economic and Financial Data |
|
|
291 | (1) |
|
|
|
292 | (1) |
| Index |
|
293 | |
Daugiau apie elektronines knygas