{"product_id":"managing-your-money-allinone-for-dummies-9781119883357","title":"Managing Your Money AllinOne For Dummies","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eIntroduction 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAbout This Book 1\u003c\/p\u003e \u003cp\u003eFoolish Assumptions 2\u003c\/p\u003e \u003cp\u003eIcons Used in This Book 3\u003c\/p\u003e \u003cp\u003eBeyond the Book 3\u003c\/p\u003e \u003cp\u003eWhere to Go from Here 3\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 1: Taking Charge of Your Finances 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Assessing Where You Are Financially 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAsking Some Preliminary Questions 8\u003c\/p\u003e \u003cp\u003eEvaluating Your Relationship with Money 9\u003c\/p\u003e \u003cp\u003eRecognizing emotional spending 9\u003c\/p\u003e \u003cp\u003eLiving for the moment 9\u003c\/p\u003e \u003cp\u003eChecking Out Your Credit Reports 10\u003c\/p\u003e \u003cp\u003eGetting copies of your credit reports 10\u003c\/p\u003e \u003cp\u003eKnowing why your reports matter 11\u003c\/p\u003e \u003cp\u003eFinding Out Your FICO Score 11\u003c\/p\u003e \u003cp\u003eComparing Spending and Income 12\u003c\/p\u003e \u003cp\u003eGathering the necessary materials 12\u003c\/p\u003e \u003cp\u003eCategorizing your expenses 13\u003c\/p\u003e \u003cp\u003eFiguring out the fritter factor 17\u003c\/p\u003e \u003cp\u003eTotaling spending and earnings 17\u003c\/p\u003e \u003cp\u003eCalculating your financial bottom line 18\u003c\/p\u003e \u003cp\u003eAssessing Your Spending Habits 18\u003c\/p\u003e \u003cp\u003eCataloging What You Own 20\u003c\/p\u003e \u003cp\u003eAdding Up What You Owe 22\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Improving Your Relationship with Money 25\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWorking with Your Partner to Achieve Financial Goals 26\u003c\/p\u003e \u003cp\u003eRecognizing your financial strengths and weaknesses 26\u003c\/p\u003e \u003cp\u003eIdentifying long-term goals 28\u003c\/p\u003e \u003cp\u003eEstablishing savings goals 29\u003c\/p\u003e \u003cp\u003eFinding peaceful solutions to differences 29\u003c\/p\u003e \u003cp\u003ePulling together with your spouse or partner 30\u003c\/p\u003e \u003cp\u003eTalking money with your children 31\u003c\/p\u003e \u003cp\u003eBelieving in Yourself 33\u003c\/p\u003e \u003cp\u003eHandling Setbacks 35\u003c\/p\u003e \u003cp\u003eAsking for Help 37\u003c\/p\u003e \u003cp\u003eDigging Out of Debt 38\u003c\/p\u003e \u003cp\u003eStep 1: Acknowledge the problem 38\u003c\/p\u003e \u003cp\u003eStep 2: Cut the cards 38\u003c\/p\u003e \u003cp\u003eStep 3: Set a good budget and live within it 39\u003c\/p\u003e \u003cp\u003eStep 4: Contact your creditors 39\u003c\/p\u003e \u003cp\u003eBudgeting for the Future 39\u003c\/p\u003e \u003cp\u003eStep 1: Categorize your expenses 40\u003c\/p\u003e \u003cp\u003eStep 2: Estimate what you spend 41\u003c\/p\u003e \u003cp\u003eStep 3: Calculate and adjust 41\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Building and Sticking to a Budget 43\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eComparing Monthly Spending and Income 44\u003c\/p\u003e \u003cp\u003eTackling a Budget Deficit 49\u003c\/p\u003e \u003cp\u003eCutting expenses 49\u003c\/p\u003e \u003cp\u003eReducing debt before saving 49\u003c\/p\u003e \u003cp\u003eUsing other strategies 50\u003c\/p\u003e \u003cp\u003ePaying the Important Stuff If You Can’t Pay Everything 52\u003c\/p\u003e \u003cp\u003eDistinguishing between secured and unsecured debt 52\u003c\/p\u003e \u003cp\u003eKnowing when to prioritize an unsecured debt 53\u003c\/p\u003e \u003cp\u003eExamining a Budget Surplus 54\u003c\/p\u003e \u003cp\u003eFinalizing and Sticking to Your Budget 54\u003c\/p\u003e \u003cp\u003eSteeling your resolve 55\u003c\/p\u003e \u003cp\u003eChecking your progress each month 55\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Cutting Spending and Boosting Income 59\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFinding Ways to Spend Less 60\u003c\/p\u003e \u003cp\u003eLooking for good deals 60\u003c\/p\u003e \u003cp\u003eSpending less on your housing 60\u003c\/p\u003e \u003cp\u003eLowering your utility bills 61\u003c\/p\u003e \u003cp\u003eEating for less 62\u003c\/p\u003e \u003cp\u003ePaying less for transportation 64\u003c\/p\u003e \u003cp\u003eHaving fun for less 65\u003c\/p\u003e \u003cp\u003eLooking good for less 66\u003c\/p\u003e \u003cp\u003eDressing for less 66\u003c\/p\u003e \u003cp\u003eReducing your phone costs 67\u003c\/p\u003e \u003cp\u003eSaving on prescription drugs 67\u003c\/p\u003e \u003cp\u003eInching down your insurance costs 68\u003c\/p\u003e \u003cp\u003eBringing in More Bucks 70\u003c\/p\u003e \u003cp\u003eEarning more at your current job 71\u003c\/p\u003e \u003cp\u003eLooking for a new job 71\u003c\/p\u003e \u003cp\u003eGetting (and surviving) a second job 74\u003c\/p\u003e \u003cp\u003eConsidering freelancing 75\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Cleaning Up Your Credit Reports 77\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding the True Value of Good Credit 78\u003c\/p\u003e \u003cp\u003eReviewing Your Reports for Problems 81\u003c\/p\u003e \u003cp\u003eUsing the Law to Get Your Credit Record Clean and Keep It That Way 84\u003c\/p\u003e \u003cp\u003eIdentifying and Disputing Inaccurate Information 87\u003c\/p\u003e \u003cp\u003eUnderstanding the dispute process 87\u003c\/p\u003e \u003cp\u003eCorrecting all your credit reports 88\u003c\/p\u003e \u003cp\u003eContacting the creditor 93\u003c\/p\u003e \u003cp\u003eAdding Positive Information to Your Credit Report 94\u003c\/p\u003e \u003cp\u003eAsking your landlord to report your rent payments 94\u003c\/p\u003e \u003cp\u003eAdding your utility and cell-phone payments to your report 94\u003c\/p\u003e \u003cp\u003eOpening new credit accounts 95\u003c\/p\u003e \u003cp\u003eAdding a 100-word statement 95\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 2: Managing Home and Personal Finances 97\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Running a Money-Smart Household 99\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eReaching Out to Touch Someone 99\u003c\/p\u003e \u003cp\u003eSaving on phone bills 100\u003c\/p\u003e \u003cp\u003eUsing email and texting to stay in touch 100\u003c\/p\u003e \u003cp\u003eRediscovering the joys of letter writing 100\u003c\/p\u003e \u003cp\u003eSaving on Climate Control 101\u003c\/p\u003e \u003cp\u003eDressing for the weather 101\u003c\/p\u003e \u003cp\u003eKeeping your cool when the weather’s not 101\u003c\/p\u003e \u003cp\u003eWarming the house 104\u003c\/p\u003e \u003cp\u003eCutting Back on Electricity and Gas Use 106\u003c\/p\u003e \u003cp\u003eImproving your appliance efficiency 107\u003c\/p\u003e \u003cp\u003eShedding some light on the subject 107\u003c\/p\u003e \u003cp\u003eTrash Talk: Controlling Garbage Costs 108\u003c\/p\u003e \u003cp\u003eReducing what you throw away 108\u003c\/p\u003e \u003cp\u003eReusing household items in creative ways 109\u003c\/p\u003e \u003cp\u003eCutting Down on Water Use 110\u003c\/p\u003e \u003cp\u003eKeeping a Ceiling on Housing Budgets 111\u003c\/p\u003e \u003cp\u003eSaving money on rent 111\u003c\/p\u003e \u003cp\u003eSaving money on home ownership 112\u003c\/p\u003e \u003cp\u003eCutting Transportation Costs 115\u003c\/p\u003e \u003cp\u003eFinding a deal on a set of wheels 115\u003c\/p\u003e \u003cp\u003eUsing public transportation 117\u003c\/p\u003e \u003cp\u003eBiking and walking 117\u003c\/p\u003e \u003cp\u003eFinding bargains on airfare and rental cars 118\u003c\/p\u003e \u003cp\u003eOpting to travel by train or bus 119\u003c\/p\u003e \u003cp\u003ePurchasing Appliances 119\u003c\/p\u003e \u003cp\u003eKeeping energy efficiency in mind 119\u003c\/p\u003e \u003cp\u003eShopping for scratch-and-dent and secondhand 120\u003c\/p\u003e \u003cp\u003eThinking twice about renting-to-own 120\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Selecting the Best Home Purchase Loan 121\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThree Questions to Help You Pick the Right Mortgage 122\u003c\/p\u003e \u003cp\u003eHow long do you plan to keep your mortgage? 122\u003c\/p\u003e \u003cp\u003eHow much financial risk can you accept? 123\u003c\/p\u003e \u003cp\u003eHow much money do you need? 124\u003c\/p\u003e \u003cp\u003eFixed-Rate Mortgages: No Surprises 125\u003c\/p\u003e \u003cp\u003eAdjustable-Rate Mortgages (ARMs) 127\u003c\/p\u003e \u003cp\u003eHow an ARM’s interest rate is determined 129\u003c\/p\u003e \u003cp\u003eHow often does the interest rate adjust? 132\u003c\/p\u003e \u003cp\u003eWhat are the limits on rate adjustments? 132\u003c\/p\u003e \u003cp\u003eDoes the loan have negative amortization? 133\u003c\/p\u003e \u003cp\u003eFine-Tuning Your Thought Process 135\u003c\/p\u003e \u003cp\u003eFinding funds 136\u003c\/p\u003e \u003cp\u003eMaking the 30-year versus 15-year mortgage decision 136\u003c\/p\u003e \u003cp\u003eGetting a Loan When Rates Are High 137\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Handling a Mortgage Meltdown 139\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAssessing the Damage from a Mortgage Meltdown 140\u003c\/p\u003e \u003cp\u003eUnderstanding How Mortgages Differ from Other Loans 141\u003c\/p\u003e \u003cp\u003eSpotting a foreclosure on the horizon 142\u003c\/p\u003e \u003cp\u003eCounting to 90 142\u003c\/p\u003e \u003cp\u003eKnowing Where to Turn for Help 143\u003c\/p\u003e \u003cp\u003eFinding good help for free 143\u003c\/p\u003e \u003cp\u003eWorking with your mortgage servicer 144\u003c\/p\u003e \u003cp\u003eAvoiding help that hurts 145\u003c\/p\u003e \u003cp\u003eConsidering Alternatives to Going Down with the Ship 146\u003c\/p\u003e \u003cp\u003eWhat to do first 146\u003c\/p\u003e \u003cp\u003eWhat to do for more serious problems 147\u003c\/p\u003e \u003cp\u003eWhat to do to end matters 147\u003c\/p\u003e \u003cp\u003eManaging a foreclosure 148\u003c\/p\u003e \u003cp\u003eStrategic default: Stopping payments 149\u003c\/p\u003e \u003cp\u003eDealing with Deficiencies 151\u003c\/p\u003e \u003cp\u003ePreparing for “Credit Winter” 152\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Keeping a Lid on Medical Costs 155\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSaving on Medical Expenses 155\u003c\/p\u003e \u003cp\u003eKeeping a close eye on bills 155\u003c\/p\u003e \u003cp\u003eLooking into payment plans 156\u003c\/p\u003e \u003cp\u003eCoordinating insurance benefits 156\u003c\/p\u003e \u003cp\u003eFinding less-expensive prescriptions 156\u003c\/p\u003e \u003cp\u003eDiscovering What Makes a Great Health Insurance Plan 157\u003c\/p\u003e \u003cp\u003eDeciding Between Individual and Group 158\u003c\/p\u003e \u003cp\u003ePricing 158\u003c\/p\u003e \u003cp\u003eUnderwriting 158\u003c\/p\u003e \u003cp\u003eBenefit levels 159\u003c\/p\u003e \u003cp\u003eRenewability 159\u003c\/p\u003e \u003cp\u003eCoverage flexibility 159\u003c\/p\u003e \u003cp\u003eSaving Money on Individual Coverage 160\u003c\/p\u003e \u003cp\u003eSaving directly 160\u003c\/p\u003e \u003cp\u003eSaving indirectly with self-care 163\u003c\/p\u003e \u003cp\u003eCoping with Health Insurance Problems 164\u003c\/p\u003e \u003cp\u003eInsuring the uninsurable 164\u003c\/p\u003e \u003cp\u003eStaying insured through hard times 165\u003c\/p\u003e \u003cp\u003eInsuring your kids when your policy no longer covers them 165\u003c\/p\u003e \u003cp\u003eEvaluating insurance available through college 166\u003c\/p\u003e \u003cp\u003eUnderstanding temporary health insurance 167\u003c\/p\u003e \u003cp\u003eContinuing coverage following a divorce 168\u003c\/p\u003e \u003cp\u003eDeciding on a conversion policy 169\u003c\/p\u003e \u003cp\u003eConsidering HIPAA instead 170\u003c\/p\u003e \u003cp\u003eTaking Decisive Action 174\u003c\/p\u003e \u003cp\u003eReviewing bills with a fine-tooth comb 175\u003c\/p\u003e \u003cp\u003eMaking your plan pay what it should 175\u003c\/p\u003e \u003cp\u003eTaking advantage of hospital discounts 176\u003c\/p\u003e \u003cp\u003eReducing your medical debt 177\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Using the Internet to Help Manage Your Finances 179\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGiving Yourself an Online Financial Makeover 180\u003c\/p\u003e \u003cp\u003eUsing the Internet to Budget 181\u003c\/p\u003e \u003cp\u003eFinding Online Resources to Track Your Income and Expenses 184\u003c\/p\u003e \u003cp\u003eUsing the Internet to Get Free Financial Advice 185\u003c\/p\u003e \u003cp\u003eFinding Out What You’re Worth 186\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 3: Dealing with Debt 189\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Tackling What You Owe 191\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTaking Stock of Your Finances 192\u003c\/p\u003e \u003cp\u003eUsing a Budget to Get Out of Debt 193\u003c\/p\u003e \u003cp\u003eTaking the Right Steps When You Have Too Much Debt 194\u003c\/p\u003e \u003cp\u003eHandling Debt Collectors 195\u003c\/p\u003e \u003cp\u003eRealizing your rights 196\u003c\/p\u003e \u003cp\u003eUnderstanding why debt collectors behave as they do 197\u003c\/p\u003e \u003cp\u003eGetting a Financial Education 198\u003c\/p\u003e \u003cp\u003eThe difference between good debt and bad debt 198\u003c\/p\u003e \u003cp\u003eDistinguishing between types of credit 199\u003c\/p\u003e \u003cp\u003eSeeing yourself through a creditor’s eyes 200\u003c\/p\u003e \u003cp\u003eBuilding a better credit history 201\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Starting or Restarting Your Credit in Real Life 203\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDebunking Misinformation about Banking and Credit 204\u003c\/p\u003e \u003cp\u003eWhy you need credit 205\u003c\/p\u003e \u003cp\u003eWhy credit is safe 206\u003c\/p\u003e \u003cp\u003eObtaining Credit: Starting Out on the Right Foot 207\u003c\/p\u003e \u003cp\u003eEstablishing a credit file without a Social Security number 208\u003c\/p\u003e \u003cp\u003eSetting goals before you set out 209\u003c\/p\u003e \u003cp\u003eEstablishing a relationship with a financial institution 210\u003c\/p\u003e \u003cp\u003eUsing prepaid and reloadable cards 212\u003c\/p\u003e \u003cp\u003eFattening up your credit file 212\u003c\/p\u003e \u003cp\u003eAvoiding high interest, fees, and scams 214\u003c\/p\u003e \u003cp\u003eOvercoming Credit Fears and Mistakes 215\u003c\/p\u003e \u003cp\u003eQualifying for First-Time Cards and Lending 217\u003c\/p\u003e \u003cp\u003eGetting a credit card 217\u003c\/p\u003e \u003cp\u003eUsing savings for credit 219\u003c\/p\u003e \u003cp\u003eConsidering Credit for Students and Military Members 220\u003c\/p\u003e \u003cp\u003eGiving credit to students 220\u003c\/p\u003e \u003cp\u003eFollowing military credit rules 222\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Consolidating Your Debts 225\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eKnowing When Debt Consolidation Makes Sense 225\u003c\/p\u003e \u003cp\u003eConsidering Your Options 226\u003c\/p\u003e \u003cp\u003eTransferring balances 227\u003c\/p\u003e \u003cp\u003eGetting a bank loan 229\u003c\/p\u003e \u003cp\u003eBorrowing against your life insurance policy 233\u003c\/p\u003e \u003cp\u003eBorrowing from your 401(k) retirement plan 234\u003c\/p\u003e \u003cp\u003eAvoiding Dangerous Debt-Consolidation Possibilities 236\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Negotiating with Creditors and Getting Help 237\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGetting Ready to Negotiate 238\u003c\/p\u003e \u003cp\u003eListing all your debts 239\u003c\/p\u003e \u003cp\u003eZeroing in on certain debts first 239\u003c\/p\u003e \u003cp\u003eReviewing your budget 240\u003c\/p\u003e \u003cp\u003ePulling together your financial information 241\u003c\/p\u003e \u003cp\u003eGetting Down to Business: Contacting Creditors 243\u003c\/p\u003e \u003cp\u003eMaking the Agreement Official: Putting It in Writing 244\u003c\/p\u003e \u003cp\u003eKnowing the Deal with Credit Counseling 246\u003c\/p\u003e \u003cp\u003eFinding a Reputable Credit Counseling Agency 246\u003c\/p\u003e \u003cp\u003eDifferentiating the good from the bad 247\u003c\/p\u003e \u003cp\u003eLocating agencies in your area 248\u003c\/p\u003e \u003cp\u003eKnowing what to ask and what to expect 249\u003c\/p\u003e \u003cp\u003eWorking with a Credit Counselor 250\u003c\/p\u003e \u003cp\u003eSharing your financial situation 251\u003c\/p\u003e \u003cp\u003eWhittling down your debt with a debt management plan 251\u003c\/p\u003e \u003cp\u003eAvoiding Debt Settlement Firms 254\u003c\/p\u003e \u003cp\u003eBeing wary of false promises 254\u003c\/p\u003e \u003cp\u003ePreventing worse financial problems 255\u003c\/p\u003e \u003cp\u003eGetting Relief If You Get Ripped Off 255\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Considering Bankruptcy 257\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eViewing Bankruptcy in a Historical Context 258\u003c\/p\u003e \u003cp\u003eDebunking Bankruptcy Myths 260\u003c\/p\u003e \u003cp\u003e“People who go bankrupt are sleazy deadbeats” 260\u003c\/p\u003e \u003cp\u003e“Bankruptcy is the easy way out for folks who can pay their bills” 262\u003c\/p\u003e \u003cp\u003e“Bankruptcy threatens the ethical foundations of our society” 262\u003c\/p\u003e \u003cp\u003e“Honest folks pay a ‘tax’ to support people who are bankrupt” 263\u003c\/p\u003e \u003cp\u003eUnderstanding What You Can Gain Through Bankruptcy 263\u003c\/p\u003e \u003cp\u003eStopping creditors in their tracks 265\u003c\/p\u003e \u003cp\u003eWiping out most of your debts 266\u003c\/p\u003e \u003cp\u003eCatching up on back mortgage and car payments 267\u003c\/p\u003e \u003cp\u003eFiling bankruptcy to pay some debts over time 267\u003c\/p\u003e \u003cp\u003eUsing bankruptcy to pay all your debts 267\u003c\/p\u003e \u003cp\u003eKnowing What You Can Lose in Bankruptcy 268\u003c\/p\u003e \u003cp\u003eConsidering Alternatives to Bankruptcy 269\u003c\/p\u003e \u003cp\u003eIntroducing the Different Types of Personal Bankruptcy 270\u003c\/p\u003e \u003cp\u003eLiquidations (Chapter 7) 271\u003c\/p\u003e \u003cp\u003eConsumer reorganizations (Chapter 13) 271\u003c\/p\u003e \u003cp\u003eWeighing the Consequences of Not Filing Bankruptcy 272\u003c\/p\u003e \u003cp\u003eClaims secured by your car 272\u003c\/p\u003e \u003cp\u003eClaims secured by your home 273\u003c\/p\u003e \u003cp\u003eStudent loans 273\u003c\/p\u003e \u003cp\u003eSupport obligations 273\u003c\/p\u003e \u003cp\u003eFines and restitution 273\u003c\/p\u003e \u003cp\u003eTaxes 274\u003c\/p\u003e \u003cp\u003eLawsuits 274\u003c\/p\u003e \u003cp\u003eUsing the Statute of Limitations 274\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 4: Saving and Investing 275\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Becoming a Saver 277\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEliminating Most of the Fat 278\u003c\/p\u003e \u003cp\u003eMaking lists of where you are now 278\u003c\/p\u003e \u003cp\u003eCarving away the truly wasteful 279\u003c\/p\u003e \u003cp\u003eLowering Your Debt 280\u003c\/p\u003e \u003cp\u003eTrimming Other Costs 282\u003c\/p\u003e \u003cp\u003eChanging Your Perspective and Watching Your Savings Grow 283\u003c\/p\u003e \u003cp\u003ePaying yourself first 283\u003c\/p\u003e \u003cp\u003eEducating yourself about investing 284\u003c\/p\u003e \u003cp\u003eTaking advantage of giveaways 287\u003c\/p\u003e \u003cp\u003eSaving While in Debt 289\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Investing in Stocks, Bonds, and Mutual Funds 291\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStock: Owning a Piece of the Rock 292\u003c\/p\u003e \u003cp\u003eUnderstanding stock 292\u003c\/p\u003e \u003cp\u003eConducting business in stock exchanges 293\u003c\/p\u003e \u003cp\u003eBrushing up: A quick stock glossary 294\u003c\/p\u003e \u003cp\u003ePicking a stock investment strategy 296\u003c\/p\u003e \u003cp\u003eBuying Bonds for Fixed Income 297\u003c\/p\u003e \u003cp\u003eUnderstanding bonds 297\u003c\/p\u003e \u003cp\u003eSorting out different kinds of bonds 298\u003c\/p\u003e \u003cp\u003eInterpreting bond ratings 299\u003c\/p\u003e \u003cp\u003eMutual Funds: The Power of Many 301\u003c\/p\u003e \u003cp\u003eUnderstanding mutual funds 301\u003c\/p\u003e \u003cp\u003eDefining different kinds of mutual funds 302\u003c\/p\u003e \u003cp\u003eDoing It Your Way versus Using a Broker 302\u003c\/p\u003e \u003cp\u003eFull-service brokers 303\u003c\/p\u003e \u003cp\u003eDiscount brokers 304\u003c\/p\u003e \u003cp\u003eOnline brokers 304\u003c\/p\u003e \u003cp\u003eAvoiding Five Common Investing Mistakes 304\u003c\/p\u003e \u003cp\u003eInvesting before you’re ready 305\u003c\/p\u003e \u003cp\u003eInvesting without goals 305\u003c\/p\u003e \u003cp\u003eBelieving those “hot” tips 306\u003c\/p\u003e \u003cp\u003eNot diversifying your portfolio 307\u003c\/p\u003e \u003cp\u003eSelling too soon (or too late) 307\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Saving for Retirement 309\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTargeting Your Retirement Date 310\u003c\/p\u003e \u003cp\u003eGetting Your Hands on Your Money 311\u003c\/p\u003e \u003cp\u003eDrawing on your Social Security 311\u003c\/p\u003e \u003cp\u003eTapping into other sources 316\u003c\/p\u003e \u003cp\u003eLiving the retirement life 317\u003c\/p\u003e \u003cp\u003eTesting the waters in your gene pool 318\u003c\/p\u003e \u003cp\u003eDeveloping Your Retirement Savings Plan 318\u003c\/p\u003e \u003cp\u003eCutting down on your expenses 318\u003c\/p\u003e \u003cp\u003ePicturing your progress 320\u003c\/p\u003e \u003cp\u003eCounting on compounding 324\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Saving for College 327\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDoing the Numbers 328\u003c\/p\u003e \u003cp\u003eExploring Section 529 Plans 329\u003c\/p\u003e \u003cp\u003eChecking Out Coverdell Accounts 329\u003c\/p\u003e \u003cp\u003eBut Wait! There’s More! 330\u003c\/p\u003e \u003cp\u003eMaximizing Your Savings, Minimizing Your Tax 332\u003c\/p\u003e \u003cp\u003eChecking Out the Cost of College 332\u003c\/p\u003e \u003cp\u003eTackling tuition 333\u003c\/p\u003e \u003cp\u003eAccounting for housing 333\u003c\/p\u003e \u003cp\u003eFactoring in books and supplies 335\u003c\/p\u003e \u003cp\u003eLooking into the Costs of Various Types of Schools 336\u003c\/p\u003e \u003cp\u003eExploring career and vocational training schools 336\u003c\/p\u003e \u003cp\u003eTaking community college and continuing education classes 336\u003c\/p\u003e \u003cp\u003eGoing for a four-year public education 337\u003c\/p\u003e \u003cp\u003eGetting your education in private 337\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Working with an Online Broker 339\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFinding the Best Broker for You 340\u003c\/p\u003e \u003cp\u003eThe nine main factors to consider 340\u003c\/p\u003e \u003cp\u003eGotchas to watch out for 342\u003c\/p\u003e \u003cp\u003eSeparating the Types of Brokerages 342\u003c\/p\u003e \u003cp\u003ePaying the minimum with a deep discounter 343\u003c\/p\u003e \u003cp\u003eGet more with a discounter 344\u003c\/p\u003e \u003cp\u003eFull-service traditional 348\u003c\/p\u003e \u003cp\u003eAvoiding Hidden Fees 350\u003c\/p\u003e \u003cp\u003eFinding Out What Reviewers Think 351\u003c\/p\u003e \u003cp\u003eIs Your Money Safe? Checking Out Your Broker 352\u003c\/p\u003e \u003cp\u003eCutting the Cord: Mobile Trading 354\u003c\/p\u003e \u003cp\u003eOpening and Setting Up Your Account 355\u003c\/p\u003e \u003cp\u003eThe checklist of what you need to know 356\u003c\/p\u003e \u003cp\u003eThe checklist of what you need to have 356\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 5: Protecting Your Money and Assets 357\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Combating Identity Theft 359\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eKeeping Thieves at Bay 360\u003c\/p\u003e \u003cp\u003eGetting on the technology train 361\u003c\/p\u003e \u003cp\u003eLooking out for phishing scams 361\u003c\/p\u003e \u003cp\u003eSafeguarding your computer data 363\u003c\/p\u003e \u003cp\u003eKeeping passwords secret 364\u003c\/p\u003e \u003cp\u003eProtecting your mail 365\u003c\/p\u003e \u003cp\u003eStoring financial data in your home 366\u003c\/p\u003e \u003cp\u003ePutting your credit information on ice 366\u003c\/p\u003e \u003cp\u003eShielding your credit card number 367\u003c\/p\u003e \u003cp\u003eCatching Identity Thieves in the Act 369\u003c\/p\u003e \u003cp\u003eWatching for early-warning notices 370\u003c\/p\u003e \u003cp\u003eGetting early warnings from the IRS 371\u003c\/p\u003e \u003cp\u003eHandling a collections call 372\u003c\/p\u003e \u003cp\u003eDetecting unauthorized charges 372\u003c\/p\u003e \u003cp\u003eBeing denied credit or account access 373\u003c\/p\u003e \u003cp\u003eNoticing missing account statements 373\u003c\/p\u003e \u003cp\u003eTaking Fast Action When Identity Theft Occurs 374\u003c\/p\u003e \u003cp\u003eCommunicating with the right people 374\u003c\/p\u003e \u003cp\u003eProtecting your identity through the FACT Act 377\u003c\/p\u003e \u003cp\u003eSending out a fraud alert 379\u003c\/p\u003e \u003cp\u003eBlocking fraudulent credit lines 380\u003c\/p\u003e \u003cp\u003eGetting and Using Credit After Identity Theft 380\u003c\/p\u003e \u003cp\u003eClosing and reopening your accounts 380\u003c\/p\u003e \u003cp\u003eAltering your PINs and passwords 381\u003c\/p\u003e \u003cp\u003eChanging your Social Security number and driver’s license number 382\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Online Banking 383\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eOnline and Traditional Banks 383\u003c\/p\u003e \u003cp\u003eAdvantages of online banking 384\u003c\/p\u003e \u003cp\u003eOnline bank access 384\u003c\/p\u003e \u003cp\u003eAccounting for Your Accounts 385\u003c\/p\u003e \u003cp\u003eSavings account 385\u003c\/p\u003e \u003cp\u003eBasic checking account 386\u003c\/p\u003e \u003cp\u003eInterest-bearing checking account 386\u003c\/p\u003e \u003cp\u003eMMDA or MMA 386\u003c\/p\u003e \u003cp\u003ecd 386\u003c\/p\u003e \u003cp\u003eChoosing an Online Bank That’s Right for You 387\u003c\/p\u003e \u003cp\u003eIdentifying your user profile 387\u003c\/p\u003e \u003cp\u003eNoting the fees when you shop 388\u003c\/p\u003e \u003cp\u003eOpening Your Online Bank Account 390\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Homeowner’s Insurance: Protecting Your Stuff 393\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIntroducing the Six Parts of a Homeowner’s Policy 394\u003c\/p\u003e \u003cp\u003eInsuring your residence (Coverage A) 394\u003c\/p\u003e \u003cp\u003eInsuring detached structures (Coverage B) 396\u003c\/p\u003e \u003cp\u003eInsuring your belongings (Coverage C) 397\u003c\/p\u003e \u003cp\u003eInsuring additional living expenses (Coverage D) 398\u003c\/p\u003e \u003cp\u003eInsuring your personal liability (Coverage E) 399\u003c\/p\u003e \u003cp\u003eInsuring guests’ medical bills (Coverage F) 401\u003c\/p\u003e \u003cp\u003eChoosing the Right Homeowner’s Property Coverages 401\u003c\/p\u003e \u003cp\u003eUnderstanding the causes-of-loss options 402\u003c\/p\u003e \u003cp\u003eIntroducing the six most common homeowner’s policies 403\u003c\/p\u003e \u003cp\u003eEstablishing Property Coverage Limits 404\u003c\/p\u003e \u003cp\u003eDetermining the replacement cost of your home 405\u003c\/p\u003e \u003cp\u003eGuaranteeing you’ll have enough insurance to rebuild 407\u003c\/p\u003e \u003cp\u003eEstimating the cost to replace belongings 408\u003c\/p\u003e \u003cp\u003eChoosing your deductible 409\u003c\/p\u003e \u003cp\u003eDocumenting Your Claim 411\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Auto Insurance Basics 413\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eManaging Your Lawsuit Risks 413\u003c\/p\u003e \u003cp\u003eReviewing noninsurance strategies 414\u003c\/p\u003e \u003cp\u003eBuying liability insurance 414\u003c\/p\u003e \u003cp\u003eInsuring Your Personal Injuries 419\u003c\/p\u003e \u003cp\u003eUnderstanding how uninsured and underinsured motorist coverage works 420\u003c\/p\u003e \u003cp\u003eSaving money on medical coverage 423\u003c\/p\u003e \u003cp\u003eDealing with Damage to Your Vehicle 424\u003c\/p\u003e \u003cp\u003eChoosing cost-effective deductibles 425\u003c\/p\u003e \u003cp\u003eKnowing when to drop collision and comprehensive coverage 428\u003c\/p\u003e \u003cp\u003eEvaluating Road Service and Car Rental Coverages 429\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Insuring Yourself: Life Insurance 431\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAssessing the Need 431\u003c\/p\u003e \u003cp\u003eWho doesn’t need life insurance 432\u003c\/p\u003e \u003cp\u003eWho does need life insurance 432\u003c\/p\u003e \u003cp\u003eDetermining How Much Coverage You Need 433\u003c\/p\u003e \u003cp\u003eLooking at a hypothetical family 433\u003c\/p\u003e \u003cp\u003eUsing the multiple of income method 434\u003c\/p\u003e \u003cp\u003eUsing the web to estimate needs 434\u003c\/p\u003e \u003cp\u003eSpeaking the Language 436\u003c\/p\u003e \u003cp\u003eUnderstanding the Types of Life Insurance 437\u003c\/p\u003e \u003cp\u003eIdeal use 437\u003c\/p\u003e \u003cp\u003ePricing 438\u003c\/p\u003e \u003cp\u003eAgent commissions 438\u003c\/p\u003e \u003cp\u003eUnderstanding the Variations of Permanent Life Insurance 439\u003c\/p\u003e \u003cp\u003eWhole life 440\u003c\/p\u003e \u003cp\u003eUniversal life 441\u003c\/p\u003e \u003cp\u003eVariable life 442\u003c\/p\u003e \u003cp\u003eCash value options when dropping permanent insurance 443\u003c\/p\u003e \u003cp\u003eUnderstanding the Variations of Term Life Insurance 445\u003c\/p\u003e \u003cp\u003eAnnual renewable term (ART) 445\u003c\/p\u003e \u003cp\u003eFixed-rate level term 445\u003c\/p\u003e \u003cp\u003eDecreasing term 447\u003c\/p\u003e \u003cp\u003eInsurance from your mortgage company 447\u003c\/p\u003e \u003cp\u003eMaking Your Choice 448\u003c\/p\u003e \u003cp\u003eEvaluating Life Insurance Sources 449\u003c\/p\u003e \u003cp\u003eConsidering an agent 450\u003c\/p\u003e \u003cp\u003eBuying without an agent 452\u003c\/p\u003e \u003cp\u003eDebunking Myths and Mistakes 454\u003c\/p\u003e \u003cp\u003eMistake: Trading cash value for death protection needs 454\u003c\/p\u003e \u003cp\u003eMyth: Supplemental group life is cheaper 455\u003c\/p\u003e \u003cp\u003eMistake: Buying life insurance in pieces 455\u003c\/p\u003e \u003cp\u003eMistake: Accidental death\/travel coverage 456\u003c\/p\u003e \u003cp\u003eMistake: Covering only one income 456\u003c\/p\u003e \u003cp\u003eMistake: Ignoring a stay-at-home parent’s value 456\u003c\/p\u003e \u003cp\u003eMistake: Covering children, not parents 457\u003c\/p\u003e \u003cp\u003eMistake: Decreasing term insurance 457\u003c\/p\u003e \u003cp\u003eMistake: Being unrealistic about how much life insurance you can afford 457\u003c\/p\u003e \u003cp\u003eMistake: Buying before you need it 458\u003c\/p\u003e \u003cp\u003eMyth: It’s cheaper when you’re young 458\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 6: Dealing with the Tax Man 459\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Tax Return Preparation Options and Tools 461\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePreparing Your Own Return 462\u003c\/p\u003e \u003cp\u003eTaking Advantage of IRS Publications 463\u003c\/p\u003e \u003cp\u003ePerusing Tax-Preparation and Advice Guides 464\u003c\/p\u003e \u003cp\u003eUsing Software 464\u003c\/p\u003e \u003cp\u003eAccessing Internet Tax Resources 465\u003c\/p\u003e \u003cp\u003eInternal Revenue Service 466\u003c\/p\u003e \u003cp\u003eResearch 467\u003c\/p\u003e \u003cp\u003eTax preparation sites 468\u003c\/p\u003e \u003cp\u003eHiring Help 468\u003c\/p\u003e \u003cp\u003eDeciding whether you really need a preparer 469\u003c\/p\u003e \u003cp\u003eUnenrolled preparers 469\u003c\/p\u003e \u003cp\u003eEnrolled agents (EAs) 470\u003c\/p\u003e \u003cp\u003eCertified public accountants (CPAs) 470\u003c\/p\u003e \u003cp\u003eTax attorneys 471\u003c\/p\u003e \u003cp\u003eFinding Tax Preparers and Advisors 473\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Getting and Staying Organized 475\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMaintaining the Burden of Proof 476\u003c\/p\u003e \u003cp\u003eKeeping Good Records 477\u003c\/p\u003e \u003cp\u003eEnsuring a complete and accurate tax return 477\u003c\/p\u003e \u003cp\u003eSetting up a record-keeping system 479\u003c\/p\u003e \u003cp\u003eTracking tax information on your computer 480\u003c\/p\u003e \u003cp\u003eDeciding when to stash and when to trash 481\u003c\/p\u003e \u003cp\u003eReconstructing Missing Tax Records 481\u003c\/p\u003e \u003cp\u003eProperty received by inheritance or gift 482\u003c\/p\u003e \u003cp\u003eSecurities received by inheritance or gift 485\u003c\/p\u003e \u003cp\u003eImprovements to a residence 485\u003c\/p\u003e \u003cp\u003eCasualty losses 486\u003c\/p\u003e \u003cp\u003eBusiness records 487\u003c\/p\u003e \u003cp\u003eUsing duplicate account statements 487\u003c\/p\u003e \u003cp\u003eUnderstanding the Cohan Rule 488\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: No Form Fits All (Or, What Kind of Taxpayer Are You?) 491\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Rendition of 1040 Shall You Play? 492\u003c\/p\u003e \u003cp\u003eForm 1040 492\u003c\/p\u003e \u003cp\u003eForm 1040-SR 493\u003c\/p\u003e \u003cp\u003eForm 1040-NR 494\u003c\/p\u003e \u003cp\u003eChoosing a Filing Status 494\u003c\/p\u003e \u003cp\u003eSingle 495\u003c\/p\u003e \u003cp\u003eMarried filing jointly 495\u003c\/p\u003e \u003cp\u003eMarried filing separately 496\u003c\/p\u003e \u003cp\u003eHead of household 500\u003c\/p\u003e \u003cp\u003eQualifying widow(er) with dependent child 502\u003c\/p\u003e \u003cp\u003eCounting your dependents 502\u003c\/p\u003e \u003cp\u003eDeciding who is your dependent 503\u003c\/p\u003e \u003cp\u003eSecuring Social Security numbers for dependents 506\u003c\/p\u003e \u003cp\u003eFiling for Children and Other Dependents 508\u003c\/p\u003e \u003cp\u003eDefining Who Is a Qualifying Child 509\u003c\/p\u003e \u003cp\u003eAge test 509\u003c\/p\u003e \u003cp\u003eRelationship test 510\u003c\/p\u003e \u003cp\u003eResidency test 510\u003c\/p\u003e \u003cp\u003eSupport test 510\u003c\/p\u003e \u003cp\u003eMust You File? 511\u003c\/p\u003e \u003cp\u003eWhen to file 513\u003c\/p\u003e \u003cp\u003eIf you don’t file 513\u003c\/p\u003e \u003cp\u003eWhere to file 514\u003c\/p\u003e \u003cp\u003eHow to file 514\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 7: Retiring Comfortably 517\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Checking the Benefits of a 401(k) 519\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRealizing What a 401(k) Does for You 520\u003c\/p\u003e \u003cp\u003eLowers how much tax you pay 520\u003c\/p\u003e \u003cp\u003eGets you matching funds from your employer 525\u003c\/p\u003e \u003cp\u003eMakes room for a little something extra: Employer non-matching contribution 526\u003c\/p\u003e \u003cp\u003eAllows you to save without tears 527\u003c\/p\u003e \u003cp\u003eVesting: When Your Employer’s Contribution Is Yours to Keep 527\u003c\/p\u003e \u003cp\u003eVesting of employer contributions 528\u003c\/p\u003e \u003cp\u003eMaking exceptions 529\u003c\/p\u003e \u003cp\u003eLetting the Pros Work for You 530\u003c\/p\u003e \u003cp\u003eProtecting Your Money 530\u003c\/p\u003e \u003cp\u003eMeeting minimum standards 531\u003c\/p\u003e \u003cp\u003eAvoiding losses in bankruptcy 532\u003c\/p\u003e \u003cp\u003eWatching Out for Potential Pitfalls 532\u003c\/p\u003e \u003cp\u003eEarning more may mean contributing less 532\u003c\/p\u003e \u003cp\u003eBeing at the mercy of your plan 533\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Retiring Your Way: IRAs 535\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eLooking at the Basics of Your IRA 535\u003c\/p\u003e \u003cp\u003eStaying traditional 536\u003c\/p\u003e \u003cp\u003eTouching on Roth IRAs 537\u003c\/p\u003e \u003cp\u003eBenefiting from a spousal IRA 538\u003c\/p\u003e \u003cp\u003eStarting an IRA for a child 538\u003c\/p\u003e \u003cp\u003eSetting Up Your IRA 539\u003c\/p\u003e \u003cp\u003eDeciding where to invest your money 540\u003c\/p\u003e \u003cp\u003eOpening your account 541\u003c\/p\u003e \u003cp\u003eMaintaining Your IRA 542\u003c\/p\u003e \u003cp\u003eMoving Your IRA 542\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Paychecks from Your House: Reverse Mortgages 545\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGrasping the Reverse Mortgage Basics 546\u003c\/p\u003e \u003cp\u003eConsidering common objections 547\u003c\/p\u003e \u003cp\u003eWho can get a reverse mortgage? 548\u003c\/p\u003e \u003cp\u003eHow much money can you get and when? 549\u003c\/p\u003e \u003cp\u003eWhen do you pay the money back? 551\u003c\/p\u003e \u003cp\u003eWhat do you owe? 551\u003c\/p\u003e \u003cp\u003eHow is the loan repaid? 552\u003c\/p\u003e \u003cp\u003eWhat’s the out-of-pocket cost of getting a reverse mortgage? 552\u003c\/p\u003e \u003cp\u003eWhat are the other reverse mortgage costs? 553\u003c\/p\u003e \u003cp\u003eWhat’s the total annual rate? 554\u003c\/p\u003e \u003cp\u003eHow do reverse mortgages affect your government-sponsored benefits? 555\u003c\/p\u003e \u003cp\u003eShopping for a Reverse Mortgage 555\u003c\/p\u003e \u003cp\u003eMaking major choices 556\u003c\/p\u003e \u003cp\u003eCounseling 557\u003c\/p\u003e \u003cp\u003eDeciding Whether You Want a Reverse Mortgage 557\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Determining How Much You Need for Retirement 559\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eImproving Your Chances of an Ideal Retirement 559\u003c\/p\u003e \u003cp\u003eDeciding How Much of Your Salary to Put Aside 560\u003c\/p\u003e \u003cp\u003eMaking use of your salary deferral agreement 560\u003c\/p\u003e \u003cp\u003eMeasuring your plan’s maximums 561\u003c\/p\u003e \u003cp\u003eBeing highly paid means different rules 562\u003c\/p\u003e \u003cp\u003eEstimating what your budget can afford 564\u003c\/p\u003e \u003cp\u003eBuilding Your Nest (Egg) 566\u003c\/p\u003e \u003cp\u003eIf you’re retiring in the near future 566\u003c\/p\u003e \u003cp\u003eIf your retirement is farther off 569\u003c\/p\u003e \u003cp\u003eUsing a retirement calculator 570\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Managing Money in Retirement 573\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eLooking Forward to Retirement 574\u003c\/p\u003e \u003cp\u003eDecisions, Decisions: What to Do with Your 401(k) Money 574\u003c\/p\u003e \u003cp\u003eBeing older can save you money 576\u003c\/p\u003e \u003cp\u003eFoiling the dreaded early withdrawal penalty 577\u003c\/p\u003e \u003cp\u003eLeaving money with your former employer 578\u003c\/p\u003e \u003cp\u003eMaking Withdrawals from Your IRA 579\u003c\/p\u003e \u003cp\u003ePaying Uncle Sam His Due: Required Withdrawals 580\u003c\/p\u003e \u003cp\u003eDeveloping a Strategy to Deal with the Tax Man 583\u003c\/p\u003e \u003cp\u003eWhich comes first: Plucking the chicken or emptying the nest egg? 583\u003c\/p\u003e \u003cp\u003eDealing with that darned company stock 584\u003c\/p\u003e \u003cp\u003eManaging Your Investments in Retirement 585\u003c\/p\u003e \u003cp\u003eLive long and prosper 585\u003c\/p\u003e \u003cp\u003eStay practical 586\u003c\/p\u003e \u003cp\u003eManaging Risk 587\u003c\/p\u003e \u003cp\u003eBalancing investments 587\u003c\/p\u003e \u003cp\u003eBuying an annuity 588\u003c\/p\u003e \u003cp\u003eConsolidating Your Accounts 590\u003c\/p\u003e \u003cp\u003eTending to Your Nest Egg 591\u003c\/p\u003e \u003cp\u003eRow, Row, Row Your Boat, Gently Down the Income Stream 592\u003c\/p\u003e \u003cp\u003eTreating Your Home Like the Asset It Is 594\u003c\/p\u003e \u003cp\u003eAdding up the expenses 594\u003c\/p\u003e \u003cp\u003eMaking use of your equity 595\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 8: Planning Your Estate and Will 597\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: The Fundamentals of Estate Planning 599\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Is an Estate? 600\u003c\/p\u003e \u003cp\u003eThe basics: Definitions and terminology 600\u003c\/p\u003e \u003cp\u003eProperty types 603\u003c\/p\u003e \u003cp\u003eTypes of property interest 604\u003c\/p\u003e \u003cp\u003eWhy You Need to Plan Your Estate 607\u003c\/p\u003e \u003cp\u003eWhy Your Estate-Planning Goals Differ from Your Neighbors’ 608\u003c\/p\u003e \u003cp\u003eThe Critical Path Method to Planning Your Estate 610\u003c\/p\u003e \u003cp\u003eGetting Help with Your Estate Planning 613\u003c\/p\u003e \u003cp\u003eMaking sure that your team of advisors is “FAIL” safe 614\u003c\/p\u003e \u003cp\u003eWorking with Certified Financial Planners (CFPs) and other professionals 615\u003c\/p\u003e \u003cp\u003eKnowing what to expect from your accountant for your estate planning 616\u003c\/p\u003e \u003cp\u003eWorking with your insurance agent 617\u003c\/p\u003e \u003cp\u003eWorking with your attorney 617\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Where There’s a Will 619\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePlanning for Your Will 620\u003c\/p\u003e \u003cp\u003eKnowing the Different Types of Wills 621\u003c\/p\u003e \u003cp\u003eSimple wills 621\u003c\/p\u003e \u003cp\u003eOther types of wills 622\u003c\/p\u003e \u003cp\u003eChoosing Your Will’s Contents 623\u003c\/p\u003e \u003cp\u003eOpening clauses 624\u003c\/p\u003e \u003cp\u003eGiving clauses 625\u003c\/p\u003e \u003cp\u003eEnding clauses 627\u003c\/p\u003e \u003cp\u003eSafeguarding Your Will 628\u003c\/p\u003e \u003cp\u003eChanging, Amending, and Revoking Your Will 629\u003c\/p\u003e \u003cp\u003eWhy you may need to change your will 630\u003c\/p\u003e \u003cp\u003eWays to change your will 631\u003c\/p\u003e \u003cp\u003eProtecting Your Loved Ones from Your Unloved Ones 632\u003c\/p\u003e \u003cp\u003eFiguring Out Your Will Status 633\u003c\/p\u003e \u003cp\u003eTestacy: You’ve nailed everything down 633\u003c\/p\u003e \u003cp\u003eIntestacy: You die with zero “will power” 633\u003c\/p\u003e \u003cp\u003ePartial intestacy: The vultures start circling 634\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: The Limitations of Wills: What You Can and Can’t Do 635\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMaking Your Peace with Statutes That Affect Your Will 636\u003c\/p\u003e \u003cp\u003eIdentifying Statutes That Your Will Can Change 636\u003c\/p\u003e \u003cp\u003eAbatement: There’s not enough in the cupboard for everyone 637\u003c\/p\u003e \u003cp\u003eAdemption: Some property is missing 639\u003c\/p\u003e \u003cp\u003eAntilapse: Someone dies before you do 640\u003c\/p\u003e \u003cp\u003eDivorce: High noon in Splitsville 640\u003c\/p\u003e \u003cp\u003eSimultaneous death: Sorry, but we have to talk about it 641\u003c\/p\u003e \u003cp\u003eLiving (And Dying) with the Laws That Your Will Can’t Change 642\u003c\/p\u003e \u003cp\u003eCommunity property 642\u003c\/p\u003e \u003cp\u003eSpousal elective shares 644\u003c\/p\u003e \u003cp\u003eHomestead allowance: Keeping a house for kiddies and spouse 645\u003c\/p\u003e \u003cp\u003eHomestead exemption: How the law protects your house from your creditors 645\u003c\/p\u003e \u003cp\u003eExempt property: How the law protects your personal property from creditors 646\u003c\/p\u003e \u003cp\u003eFamily allowance: Drawing from your estate to protect your family 646\u003c\/p\u003e \u003cp\u003eOops! Taking care of VIPs who aren’t in the will 647\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Estate Planning with Online Resources 649\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding Wills and Trusts 650\u003c\/p\u003e \u003cp\u003eWhere there’s an online will, there’s a way 650\u003c\/p\u003e \u003cp\u003eAvoiding probate 651\u003c\/p\u003e \u003cp\u003eGetting the Basics of Trusts 652\u003c\/p\u003e \u003cp\u003eTrusting in Living Trust to Avoid Probate 654\u003c\/p\u003e \u003cp\u003eJoint Tenancy and Beneficiary Arrangements 655\u003c\/p\u003e \u003cp\u003eNot all heirs are created equal 656\u003c\/p\u003e \u003cp\u003eDon’t keep your estate plans hush-hush 657\u003c\/p\u003e \u003cp\u003eCustomizing Estate Planning for All Ages 657\u003c\/p\u003e \u003cp\u003eUnder 30 and loving it 658\u003c\/p\u003e \u003cp\u003eGrooving in your midlife 659\u003c\/p\u003e \u003cp\u003eRetired and enjoying the good life 660\u003c\/p\u003e \u003cp\u003eSelecting an Estate Planner 661\u003c\/p\u003e \u003cp\u003ePreparing to Meet Your Estate Planner 662\u003c\/p\u003e \u003cp\u003eIndex 663\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49407181619543,"sku":"9781119883357","price":24.79,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781119883357.jpg?v=1730498460","url":"https:\/\/bookcurl.com\/products\/managing-your-money-allinone-for-dummies-9781119883357","provider":"Book Curl","version":"1.0","type":"link"}