{"product_id":"personal-finance-in-your-20s-30s-for-dummies-3e-9781119805434","title":"Personal Finance in Your 20s  30s For Dummies 3e","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\u003c\/b\u003e\u003cb\u003e 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\u003ePart 1: Getting Started with Personal Finance\u003c\/b\u003e\u003cb\u003e 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Your Financial Checkup \u003c\/b\u003e\u003cb\u003e7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCalculating Your Financial Worth 8\u003c\/p\u003e \u003cp\u003eDefining net worth 8\u003c\/p\u003e \u003cp\u003eFiguring what you own: Financial assets 8\u003c\/p\u003e \u003cp\u003eDetermining what you owe: Financial liabilities 9\u003c\/p\u003e \u003cp\u003eNetting the difference 10\u003c\/p\u003e \u003cp\u003eGrasping the Importance of Your Savings Rate 10\u003c\/p\u003e \u003cp\u003eCalculating your income and outgo 11\u003c\/p\u003e \u003cp\u003eAssessing the change in your net worth 11\u003c\/p\u003e \u003cp\u003eUnderstanding and Improving Your Credit Score 13\u003c\/p\u003e \u003cp\u003eDeciphering how lenders use credit reports and scores 13\u003c\/p\u003e \u003cp\u003eObtaining your credit reports and fixing errors 14\u003c\/p\u003e \u003cp\u003eGetting your credit score 15\u003c\/p\u003e \u003cp\u003eImproving your credit reports and score 15\u003c\/p\u003e \u003cp\u003eComprehending Your Investment Options 16\u003c\/p\u003e \u003cp\u003eExamining Insurance Coverage 17\u003c\/p\u003e \u003cp\u003eIdentifying Common Financial Mistakes Young Adults Make 18\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Budgeting, Goal Setting, and Valuing Saving\u003c\/b\u003e\u003cb\u003e 21\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDeveloping a Savings Mindset 22\u003c\/p\u003e \u003cp\u003eWhat It’s Worth: Valuing Savings over Time 24\u003c\/p\u003e \u003cp\u003eThe power of continual savings 24\u003c\/p\u003e \u003cp\u003eThe rewards of earning a (slightly) higher annual return on your investment 25\u003c\/p\u003e \u003cp\u003eBudgeting and Boosting Your Savings 26\u003c\/p\u003e \u003cp\u003eSetting and Prioritizing Your Savings Goals 28\u003c\/p\u003e \u003cp\u003eIdentifying common goals of accomplished savers 28\u003c\/p\u003e \u003cp\u003eValuing retirement accounts and financial independence 29\u003c\/p\u003e \u003cp\u003eDealing with competing goals 30\u003c\/p\u003e \u003cp\u003eSaving When You’re Strapped 31\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Using Loans and Paying Down Debts\u003c\/b\u003e\u003cb\u003e 33\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEyeing the Causes of Generational Debt 34\u003c\/p\u003e \u003cp\u003eMaking the Most of Loans 35\u003c\/p\u003e \u003cp\u003eDealing With Student-Loan Debt 36\u003c\/p\u003e \u003cp\u003eTracking your student loans and making timely payments 36\u003c\/p\u003e \u003cp\u003ePrioritizing the payback of student loans 37\u003c\/p\u003e \u003cp\u003eUsing education tax breaks 38\u003c\/p\u003e \u003cp\u003eWeighing the costs and benefits of education expenditures 39\u003c\/p\u003e \u003cp\u003eMaking the most of student loans, grants, and other financial aid 40\u003c\/p\u003e \u003cp\u003eBenefits for military people 41\u003c\/p\u003e \u003cp\u003ePaying Off Consumer Debt 41\u003c\/p\u003e \u003cp\u003eKicking the credit-card habit 42\u003c\/p\u003e \u003cp\u003eDiscovering debit cards: Convenience without credit temptation 42\u003c\/p\u003e \u003cp\u003eLowering the interest rate on consumer debt 44\u003c\/p\u003e \u003cp\u003eNegotiating better rates from your current credit card 44\u003c\/p\u003e \u003cp\u003eTapping investments to reduce consumer debt 45\u003c\/p\u003e \u003cp\u003ePaying down balances 45\u003c\/p\u003e \u003cp\u003eGetting Help for Extreme Debt 46\u003c\/p\u003e \u003cp\u003eSeeking counseling 46\u003c\/p\u003e \u003cp\u003eConsidering bankruptcy 47\u003c\/p\u003e \u003cp\u003ePreventing Consumer Debt Relapses 50\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Everything Credit: Scores and Reports\u003c\/b\u003e\u003cb\u003e 51\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eA Primer on Credit Reports and Credit Scores 52\u003c\/p\u003e \u003cp\u003eDifferentiating between credit reports and credit scores 52\u003c\/p\u003e \u003cp\u003eUnderstanding how credit scores are determined 53\u003c\/p\u003e \u003cp\u003eValuing of a good credit score 55\u003c\/p\u003e \u003cp\u003eJump-starting your credit score as a young adult 55\u003c\/p\u003e \u003cp\u003eGetting Your Hands on Your Credit Reports and Scores 56\u003c\/p\u003e \u003cp\u003eRecommended websites for free credit scores 57\u003c\/p\u003e \u003cp\u003eWebsites to avoid 57\u003c\/p\u003e \u003cp\u003eScrutinizing Your Credit Reports to Improve Them 58\u003c\/p\u003e \u003cp\u003eIdentifying errors and getting them fixed 58\u003c\/p\u003e \u003cp\u003eBoosting your credit score 59\u003c\/p\u003e \u003cp\u003ePreventing Identity Theft 60\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2: Saving and Earning More\u003c\/b\u003e\u003cb\u003e 65\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Proven Ways to Spend Less and Save More\u003c\/b\u003e\u003cb\u003e 67\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eContaining Housing Costs 68\u003c\/p\u003e \u003cp\u003eReducing rental costs 68\u003c\/p\u003e \u003cp\u003eSlicing homeowner expenses 71\u003c\/p\u003e \u003cp\u003eCutting Your Taxes 72\u003c\/p\u003e \u003cp\u003eManaging Food and Restaurant Spending 73\u003c\/p\u003e \u003cp\u003eTrimming Transportation Expenses 75\u003c\/p\u003e \u003cp\u003eFinessing Fashion Finances 76\u003c\/p\u003e \u003cp\u003eRelaxing on a Budget 78\u003c\/p\u003e \u003cp\u003eTaming Technology Spending 79\u003c\/p\u003e \u003cp\u003eKeeping Down Insurance Costs 81\u003c\/p\u003e \u003cp\u003eGetting Affordable and Quality Professional Advice 81\u003c\/p\u003e \u003cp\u003eHandling Healthcare Expenses 82\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: Taxes: Reduce Them When You Can!\u003c\/b\u003e\u003cb\u003e 83\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding Taxable Income 83\u003c\/p\u003e \u003cp\u003eComparing Marginal Taxes 84\u003c\/p\u003e \u003cp\u003eChanges from the Tax Cut and Jobs Act Bill 86\u003c\/p\u003e \u003cp\u003eReducing Taxes on Work Income 87\u003c\/p\u003e \u003cp\u003eContributing to retirement plans 87\u003c\/p\u003e \u003cp\u003eUsing health savings accounts 89\u003c\/p\u003e \u003cp\u003eDeducting self-employment expenses 90\u003c\/p\u003e \u003cp\u003eIncreasing Your Deductions 91\u003c\/p\u003e \u003cp\u003eLowering Investment Income Taxes 92\u003c\/p\u003e \u003cp\u003eInvesting in tax-free money market funds and bonds 92\u003c\/p\u003e \u003cp\u003eSelecting other tax-friendly investments 92\u003c\/p\u003e \u003cp\u003eMaking your profits long term 93\u003c\/p\u003e \u003cp\u003eEnlisting Education Tax Breaks 93\u003c\/p\u003e \u003cp\u003ePreparing Your Tax Return and Minimizing Your Taxes 94\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: Housing: Comparing Renting and Buying\u003c\/b\u003e\u003cb\u003e 97\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Ins and Outs of Renting 97\u003c\/p\u003e \u003cp\u003eSeeing the benefits of renting 98\u003c\/p\u003e \u003cp\u003eConsidering the long-term costs of renting 98\u003c\/p\u003e \u003cp\u003eCompleting your rental application 99\u003c\/p\u003e \u003cp\u003eFiguring the Costs of Owning and Making It Happen Financially 100\u003c\/p\u003e \u003cp\u003eDeciding to buy 100\u003c\/p\u003e \u003cp\u003eComparing the costs of owning versus renting 101\u003c\/p\u003e \u003cp\u003eConsidering your overall financial health 103\u003c\/p\u003e \u003cp\u003eCalculating how much you can borrow 104\u003c\/p\u003e \u003cp\u003eAccumulating your down payment 104\u003c\/p\u003e \u003cp\u003eFinding the Right Property 105\u003c\/p\u003e \u003cp\u003eWorking with Real-Estate Agents 108\u003c\/p\u003e \u003cp\u003eFinancing Your Home 109\u003c\/p\u003e \u003cp\u003eUnderstanding your mortgage options 109\u003c\/p\u003e \u003cp\u003eDeciding which mortgage type is best for you 109\u003c\/p\u003e \u003cp\u003eAvoiding negative amortization and interest-only loans 110\u003c\/p\u003e \u003cp\u003eGetting your mortgage approved 111\u003c\/p\u003e \u003cp\u003ePutting Your Deal Together 112\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8: Relationships and Money\u003c\/b\u003e\u003cb\u003e 115\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHandling Roommates 115\u003c\/p\u003e \u003cp\u003eLiving-Together Contracts 117\u003c\/p\u003e \u003cp\u003eGetting Married 118\u003c\/p\u003e \u003cp\u003eUnderstanding Your Money Beliefs and Practices 120\u003c\/p\u003e \u003cp\u003eExamining your money history 121\u003c\/p\u003e \u003cp\u003eExploring your attitudes toward money 122\u003c\/p\u003e \u003cp\u003eUnderstanding your friends and money 123\u003c\/p\u003e \u003cp\u003eMaking sense of your environment and money 124\u003c\/p\u003e \u003cp\u003eGetting a Grip on Procrastination Where Money Is Concerned 124\u003c\/p\u003e \u003cp\u003eDiagnosing procrastination 124\u003c\/p\u003e \u003cp\u003eComing to terms with why you may procrastinate with money issues 125\u003c\/p\u003e \u003cp\u003eOvercoming money avoidance 127\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9: Making the Most of Your Career\u003c\/b\u003e\u003cb\u003e 131\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGetting Your Career Going 131\u003c\/p\u003e \u003cp\u003ePutting everything in order 132\u003c\/p\u003e \u003cp\u003eEducating and training your way to career success 133\u003c\/p\u003e \u003cp\u003eSeeking value for your education dollars 133\u003c\/p\u003e \u003cp\u003eInvesting in your career 138\u003c\/p\u003e \u003cp\u003eExploring Entrepreneurial Options 138\u003c\/p\u003e \u003cp\u003eStarting a small business 138\u003c\/p\u003e \u003cp\u003ePurchasing a small business 140\u003c\/p\u003e \u003cp\u003eInvesting in a small business 140\u003c\/p\u003e \u003cp\u003eChanging Jobs or Careers 141\u003c\/p\u003e \u003cp\u003eThe Young and the Unemployed 142\u003c\/p\u003e \u003cp\u003eUnderstanding how joblessness can hit younger adults harder 142\u003c\/p\u003e \u003cp\u003eAccessing unemployment benefits 143\u003c\/p\u003e \u003cp\u003eTaking action 143\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3: Investing for Your Future Goals\u003c\/b\u003e\u003cb\u003e 145\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10: Successful Investing Principles\u003c\/b\u003e\u003cb\u003e 147\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eExamining Bonds and Other Lending Investments 148\u003c\/p\u003e \u003cp\u003eInvesting in bonds 148\u003c\/p\u003e \u003cp\u003eConsidering the downsides to lending 149\u003c\/p\u003e \u003cp\u003eExploring Stocks, Real Estate, and Small-Business Investments 150\u003c\/p\u003e \u003cp\u003eSocking your money away in stocks 150\u003c\/p\u003e \u003cp\u003eGenerating wealth with real estate 153\u003c\/p\u003e \u003cp\u003eGoing the small-business investment route 155\u003c\/p\u003e \u003cp\u003eConsidering Options, Cryptocurrencies, and Other Hot Vehicles 156\u003c\/p\u003e \u003cp\u003eOpting for options 156\u003c\/p\u003e \u003cp\u003eCalculating cryptocurrencies 157\u003c\/p\u003e \u003cp\u003eNoting leveraged and inverse ETFs aren’t investments 158\u003c\/p\u003e \u003cp\u003eGetting a Handle on Investment Risks 159\u003c\/p\u003e \u003cp\u003eEstablishing goals and risks 160\u003c\/p\u003e \u003cp\u003eComparing the risks of stocks and bonds 160\u003c\/p\u003e \u003cp\u003eSpreading Your Investment Risks 161\u003c\/p\u003e \u003cp\u003eUnderstanding why diversification is key 161\u003c\/p\u003e \u003cp\u003eAllocating your assets 162\u003c\/p\u003e \u003cp\u003eHolding onto your investments and shunning the herd 163\u003c\/p\u003e \u003cp\u003eSelecting an Investment Firm 164\u003c\/p\u003e \u003cp\u003eEvaluating Pundits and Experts 164\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11: Making the Best Use of Bank Accounts\u003c\/b\u003e\u003cb\u003e 167\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eLooking at Different Types of Banks 167\u003c\/p\u003e \u003cp\u003eBrick-and-mortar banks 168\u003c\/p\u003e \u003cp\u003eOnline banks 168\u003c\/p\u003e \u003cp\u003eOther choices 169\u003c\/p\u003e \u003cp\u003eUnderstanding Your Bank Account Options 169\u003c\/p\u003e \u003cp\u003eTransaction accounts 169\u003c\/p\u003e \u003cp\u003eOptions for getting cash 170\u003c\/p\u003e \u003cp\u003eSavings accounts 171\u003c\/p\u003e \u003cp\u003eBanking Online 171\u003c\/p\u003e \u003cp\u003eEvaluating a bank: What to look for 171\u003c\/p\u003e \u003cp\u003eProtecting yourself online 174\u003c\/p\u003e \u003cp\u003eConsidering Your Alternatives 175\u003c\/p\u003e \u003cp\u003eBrokerage accounts with check writing 175\u003c\/p\u003e \u003cp\u003eMoney market funds 175\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12: Portfolios for a Purpose\u003c\/b\u003e\u003cb\u003e 177\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBefore You Begin Investing 177\u003c\/p\u003e \u003cp\u003eInvesting Nonretirement Account Money 178\u003c\/p\u003e \u003cp\u003eEmergency money 178\u003c\/p\u003e \u003cp\u003eLong-term money 179\u003c\/p\u003e \u003cp\u003eInvesting Retirement Account Money 182\u003c\/p\u003e \u003cp\u003eEstablishing and prioritizing retirement contributions 182\u003c\/p\u003e \u003cp\u003eAllocating money in employer plans 183\u003c\/p\u003e \u003cp\u003eDesignating money in plans you design 185\u003c\/p\u003e \u003cp\u003eInvesting for Education 187\u003c\/p\u003e \u003cp\u003eUnderstanding the importance of applying for financial aid 187\u003c\/p\u003e \u003cp\u003ePaying for educational costs 190\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 13: Real-Estate Investing\u003c\/b\u003e\u003cb\u003e 193\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding Real-Estate Investment Pros and Cons 193\u003c\/p\u003e \u003cp\u003eEvaluating Simpler Real-Estate Investments 196\u003c\/p\u003e \u003cp\u003eAssessing Residential Housing Investments 197\u003c\/p\u003e \u003cp\u003eInvesting in Commercial Real Estate 198\u003c\/p\u003e \u003cp\u003eShunning Sure-to-Lose Real-Estate Investments 199\u003c\/p\u003e \u003cp\u003eResearching Where and What to Buy 201\u003c\/p\u003e \u003cp\u003eConsidering economic issues 201\u003c\/p\u003e \u003cp\u003eTaking a look at the real-estate market 201\u003c\/p\u003e \u003cp\u003eExamining property valuation and financial projections 203\u003c\/p\u003e \u003cp\u003eDigging for a Good Deal 205\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 4: Insurance: Protect Yourself, Your Loved Ones, and Your Assets\u003c\/b\u003e\u003cb\u003e 209\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 14: Taking Care with Health Insurance\u003c\/b\u003e\u003cb\u003e 211\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMaking Sure You’re Covered 212\u003c\/p\u003e \u003cp\u003eTransitioning your coverage 212\u003c\/p\u003e \u003cp\u003eSeeing how Obamacare changed your coverage 213\u003c\/p\u003e \u003cp\u003eRecent developments and likely future changes 214\u003c\/p\u003e \u003cp\u003eFinding Your Best Health Plan 215\u003c\/p\u003e \u003cp\u003eSelection of doctors and hospitals 216\u003c\/p\u003e \u003cp\u003ePlan benefits and features 216\u003c\/p\u003e \u003cp\u003eShopping for Health Insurance 217\u003c\/p\u003e \u003cp\u003eUncovering the best policies 217\u003c\/p\u003e \u003cp\u003eDealing with Obamacare’s high health insurance prices 218\u003c\/p\u003e \u003cp\u003eHandling insurance rejection 220\u003c\/p\u003e \u003cp\u003eHealth Savings Accounts: Tax Reduction for Healthcare Costs 221\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 15: Safeguarding Your Income\u003c\/b\u003e\u003cb\u003e 223\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eProtecting Your Income for You and Yours: Disability Insurance 224\u003c\/p\u003e \u003cp\u003eUnderstanding disability coverage you may already have 224\u003c\/p\u003e \u003cp\u003eDetermining how much disability insurance you need 225\u003c\/p\u003e \u003cp\u003eIdentifying useful disability policy features 226\u003c\/p\u003e \u003cp\u003eShopping for coverage 227\u003c\/p\u003e \u003cp\u003eProtecting Your Income for Dependents: Life Insurance 227\u003c\/p\u003e \u003cp\u003eAssessing your current life insurance coverage 228\u003c\/p\u003e \u003cp\u003eDetermining how much life insurance to buy 228\u003c\/p\u003e \u003cp\u003eDeciding what type of life insurance to buy 229\u003c\/p\u003e \u003cp\u003eShopping for life insurance 231\u003c\/p\u003e \u003cp\u003eCaring for Your Loved Ones: “Peace of Mind” Insurance 231\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 16: Home, Auto, Renter’s, and Other Insurance Policies\u003c\/b\u003e\u003cb\u003e 233\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eProtecting Your Home and Possessions: Homeowner’s and Renter’s Insurance 234\u003c\/p\u003e \u003cp\u003eDwelling coverage 234\u003c\/p\u003e \u003cp\u003ePersonal property protection 235\u003c\/p\u003e \u003cp\u003eLiability insurance 235\u003c\/p\u003e \u003cp\u003eRenter’s insurance 236\u003c\/p\u003e \u003cp\u003eNatural disaster protection 236\u003c\/p\u003e \u003cp\u003eShopping for homeowner’s insurance 237\u003c\/p\u003e \u003cp\u003eInsuring Your Car 238\u003c\/p\u003e \u003cp\u003eLiability protection 240\u003c\/p\u003e \u003cp\u003eCollision and comprehensive 241\u003c\/p\u003e \u003cp\u003eRiders you should bypass 241\u003c\/p\u003e \u003cp\u003eGetting a good buy 242\u003c\/p\u003e \u003cp\u003eAvoiding Policies That Cover Small Possible Losses 243\u003c\/p\u003e \u003cp\u003eExtended warranty and repair plans 244\u003c\/p\u003e \u003cp\u003eHome warranty plans 244\u003c\/p\u003e \u003cp\u003eDental insurance 244\u003c\/p\u003e \u003cp\u003eCredit life and credit disability policies 245\u003c\/p\u003e \u003cp\u003eDaily hospitalization insurance 245\u003c\/p\u003e \u003cp\u003eCell-phone insurance 245\u003c\/p\u003e \u003cp\u003eLittle stuff riders 246\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 5: Your Information Diet\u003c\/b\u003e\u003cb\u003e 247\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 17: Using Media Resources\u003c\/b\u003e\u003cb\u003e 249\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGoing Online: The Wild West of Advice and Predictions 250\u003c\/p\u003e \u003cp\u003eEyeing the real cost of “free” 250\u003c\/p\u003e \u003cp\u003eBeing aware online 252\u003c\/p\u003e \u003cp\u003eUsing the web for gathering information 252\u003c\/p\u003e \u003cp\u003eGetting Financial Perspectives and Advice from the Media 254\u003c\/p\u003e \u003cp\u003eBeing a smart news consumer 255\u003c\/p\u003e \u003cp\u003eSeparating the best from the rest 256\u003c\/p\u003e \u003cp\u003eTrusting unnamed “sources” is a bad idea 256\u003c\/p\u003e \u003cp\u003eUnderstanding that political partisans are hazardous to your wealth 258\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 18: Professionals You Hire\u003c\/b\u003e\u003cb\u003e 261\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSeeing the Value of Professional Advice 261\u003c\/p\u003e \u003cp\u003eConsidering Financial Advisors 262\u003c\/p\u003e \u003cp\u003ePreparing to hire a financial advisor 263\u003c\/p\u003e \u003cp\u003eFinding good financial advisors 264\u003c\/p\u003e \u003cp\u003eInterviewing advisors 264\u003c\/p\u003e \u003cp\u003eTaming Your Taxes with Help 266\u003c\/p\u003e \u003cp\u003eWorking with Real-Estate Agents 267\u003c\/p\u003e \u003cp\u003eUsing Online Resources to Find Service Providers 269\u003c\/p\u003e \u003cp\u003eAngi 270\u003c\/p\u003e \u003cp\u003eHomeAdvisor 270\u003c\/p\u003e \u003cp\u003eOther resources 271\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 6: The Part of Tens\u003c\/b\u003e\u003cb\u003e 273\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 19: Ten Ways to Save on a Car\u003c\/b\u003e\u003cb\u003e 275\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDon’t Buy a Car in the First Place 276\u003c\/p\u003e \u003cp\u003ePay Cash: Shun Leasing and Borrowing 276\u003c\/p\u003e \u003cp\u003eConsider Total Costs 277\u003c\/p\u003e \u003cp\u003eCompare New with Used 277\u003c\/p\u003e \u003cp\u003eUnderstand a Car’s Real Value Before Negotiating 277\u003c\/p\u003e \u003cp\u003eTake Care of Your Car 278\u003c\/p\u003e \u003cp\u003eExplore Your Servicing Options 278\u003c\/p\u003e \u003cp\u003eDrive Safely 279\u003c\/p\u003e \u003cp\u003eTake a Lean and Mean Insurance Policy 279\u003c\/p\u003e \u003cp\u003eTrack Tax-Deductible Auto Expenses 279\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 20: Ten Things to Value More than Your Money\u003c\/b\u003e\u003cb\u003e 281\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eInvesting in Your Health 281\u003c\/p\u003e \u003cp\u003eStaying active and at a healthy weight 282\u003c\/p\u003e \u003cp\u003eUsing fitness trackers to monitor your activity level 282\u003c\/p\u003e \u003cp\u003eMaking and Keeping Friends 283\u003c\/p\u003e \u003cp\u003eAppreciating What You Have 284\u003c\/p\u003e \u003cp\u003eMinding Your Reputation 284\u003c\/p\u003e \u003cp\u003eContinuing Education 285\u003c\/p\u003e \u003cp\u003eHaving Fun 285\u003c\/p\u003e \u003cp\u003ePutting Your Family First 285\u003c\/p\u003e \u003cp\u003eKnowing Your Neighbors 286\u003c\/p\u003e \u003cp\u003eVolunteering and Donating 286\u003c\/p\u003e \u003cp\u003eCaring for Kids 286\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 21: Nearly Ten Things to Know about Apps\u003c\/b\u003e\u003cb\u003e 287\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eYou May Well Get What You Paid for with “Free” Apps 288\u003c\/p\u003e \u003cp\u003eConduct and Manage Financial Tasks 288\u003c\/p\u003e \u003cp\u003eUse Apps Only from Legitimate Companies with Lengthy Track Records 289\u003c\/p\u003e \u003cp\u003eConsider the Alternatives to an App 289\u003c\/p\u003e \u003cp\u003eKeep Focused on Your Spending 289\u003c\/p\u003e \u003cp\u003eSettle up with Friends But Beware Fees 290\u003c\/p\u003e \u003cp\u003eSave Money on Commonly Purchased Items 290\u003c\/p\u003e \u003cp\u003eTap into the Latest Economic and Financial Data 291\u003c\/p\u003e \u003cp\u003eInvest with Confidence 292\u003c\/p\u003e \u003cp\u003eIndex 293\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default 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