Personal Finance in Your 20s and 30s Book Eliminate Your Debt, Manage Your Money, and Build for an Exciting Financial Future

ISBN-10: 1440542562
ISBN-13: 9781440542565
Edition: 3rd 2012
Authors: Howard Davidoff
List price: $17.99 Buy it from $6.58
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Description: Get control of your finances - and your future!Do you feel like you'll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you'll ever make enough money to stop living paycheck to paycheck? You're not alone  More...

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Book details

List price: $17.99
Edition: 3rd
Copyright year: 2012
Publisher: Adams Media Corporation
Publication date: 9/18/2012
Binding: Paperback
Pages: 304
Size: 8.00" wide x 9.25" long x 0.75" tall
Weight: 1.474
Language: English

Get control of your finances - and your future!Do you feel like you'll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you'll ever make enough money to stop living paycheck to paycheck? You're not alone - millions of young Americans are finding it hard to save for the future and still pay today's bills on time.But withThe Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you'll learn how to be financially independent by:Creating a workable budgetMinimizing credit card and student loan debtInvesting money wiselyBuilding an emergency fundYou'll also learn how the Consumer Financial Protection Bureau can help you navigate the often-confusing world of financial service products. With this easy-to-use guide, you'll learn how to manage, save, and invest wisely - starting today!

Top 10 Personal Finance Tips
Introduction
Setting Goals: Your Financial Road Map
Why Financial Goals Are Important
Calculating Net Worth: Your Financial Snapshot
Decide What You Want to Achieve
Break It Down
Evaluating Your Progress
Educating Yourself about Money Matters
Guilt-Free Budgeting
It's All about Attitude
Customizing Your Budget
Set Spending Goals by Category
Monitor Your Progress Monthly
Plug Any Spending Leaks
Personal-Finance Software
Stay Motivated
The Secrets to Saving Money
The Magic of Compounding
The Rule of 72
The Danger of Inflation
The Time Value of Money
Building an Emergency Fund
The Fun of Frugality
Luxury Items and Loss of Value
Banking Basics
Choosing a Bank or Credit Union
Online Banking
Banking Costs
Overdraft Protection
Automated Teller Machines
Debit Cards
Balance Your Checkbook
Best Places to Stash Your Cash
Credit Cards 101
The Good, the Bad, and the Ugly
What's Out There
Choosing What's Best for You
If You Have Damaged Credit
Using Credit Cards Wisely
Pay It Off!
Protecting Yourself Against Losses
The Credit CARD Act of 2009
Digging Out of Credit Card Debt
Your Credit Report and How It Works
Paying Down Debt on Your Own
Finance Companies and Bill-Paying Services
Transferring Credit Card Balances
Borrowing from Your 401 (k)
Credit-Counseling Service
Negotiating with Credit Card Companies
Avoiding Credit-Repair Scams
Other Credit Issues
Installment, Secured, and Unsecured Loans
Creditors and Debt Collectors
Filing for Bankruptcy
Chapter 13 Bankruptcy: Reorganization
Chapter 7 Bankruptcy: Liquidation
Bankruptcy as a Debt Management Tool
Avoiding Financial Scams and Schemes
The Consumer Financial Protection Bureau
Living with Student Loans
Stafford Loans
Federal Perkins Loans
PLUS Loans
Keep Track of the Interest Rates
Defaulting on Your Student Loan
Rehabilitating Your Defaulted Loan
Resolving Student Loan Disputes
Consolidating Your Student Loans
A Tax Break
Income-Based Repayment Plans
Creative Financing for Your Children
Show Me the Money: Work and Career
Choosing a Job with Potential
Your Worth to an Employer
Negotiating Your Salary and Benefits Package
Evaluating Your Employee Benefits
Employee-Ownership Plans
Asking for a Raise
Losing Your Job Without Losing Your Shirt
So You Want to Be Your Own Boss?
The True Cost of Happiness
Moving On: Finding New Living Space
Your Housing Options
Finding an Apartment
Signing the Lease
Deposits and Other Charges
Renting with Roommates
Renters' Insurance
Cost of Living Differences
Automotive Costs Related to Moving
Tax Issues Related to Moving
Buying a Home
Getting Ready for Home Ownership
How Mortgages Work
Types of Mortgages
Choosing the Best Mortgage for You
The Home-Buying Process
Making and Negotiating the Purchase
Closing the Deal
Home Ownership Tax Savings
Be Prepared for Other Expenses
Owning a Condo
Owning a Co-Op
Living with a Mortgage
Planning Home Improvements
Building a Home
Home-Equity Loans and Lines of Credit
Escrow Accounts
Refinancing Your Mortgage
Tax Deductibility of Mortgage Interest
Prepaying Your Mortgage
Facing Foreclosure
The Short Sale Alternative
Getting Deals on Wheels
New or Used?
Paying for a New Car
What about Leasing?
Negotiating the Price
The True Cost of Ownership
Extended Warranties
Buying Credit Life Insurance
Marriage and Family
Tying the Financial Knot
Do You Need a Prenuptial Agreement?
Planning an Affordable Wedding
What about the Marriage Tax Penalty?
Beneficiaries, Name Changes, and Wills
Planning for a Baby
Can You Afford to Stay Home?
Raising Financially Savvy Kids
The Financial Impact of Divorce
Unwed but Not Unwise
Moving In Together
Nonmarital Agreements
Common-Law Marriages
Mingling Your Assets
Buying a House Together
Sharing Expenses
Taxes for Unmarried Couples
Other Issues
Minimizing Income Taxes
Federal Income Taxes-the Basics
Standard and Itemized Deductions
Preparing Your Tax Return
Hiring a Tax Accountant or Service
Making Tax-Wise Financial Decisions
Keeping Good Tax Records
Surviving an Audit
When You Can't Pay Your Taxes
Credits and Deductions
Investing: Profits and Risks
The Big Picture
Investing in Stocks
Investing in Bonds
Mutual Funds
Alternative Investments
Using a Financial Planner
Sample Investment Allocations
Investing in a Low Interest Rate Environment
Retirement: Planning for Tomorrow
The Younger, the Better
Defined-Benefit Plans
Defined-Contribution Plans
401(k) Plans
403(b) and 457 plans
Individual Retirement Accounts
Roth 401(k) and Roth 403(b)
Small Business Plans
Choosing the Right Investments
A Word on Social Security
Insurance and Estate Planning
Life Insurance
Health Insurance and COBRA
Disability Insurance
Homeowner's and Auto Insurance
Other Types of Insurance
What Is Estate Planning?
Where There's a Will, There's a Way
Durable Power of Attorney for Finances
Probate and Trusts
Estate Taxes
Living in a Postrecession World
Be a More Savvy Consumer
Institute a Savings Program
Investing in a Postrecession World
Keep Your Investment Decisions Simple
Glossary of Financial Terms
Internet Resources
Index

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