Personal Finance in Your 20s for Dummies�

ISBN-10: 047076905X

ISBN-13: 9780470769058

Edition: 2011

Authors: Eric Tyson

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"Personal Finance in Your 20s For Dummies" provides an affordable and approachable resource to readers who are students, recent graduates, or someone simply looking for advice on how to lay the foundation for succesful personal finance management. Topics covered include: Establishing solid credit and managing credit-card debt Managing finances at school Renting and buying a home Renting and purchasing a car Repaying student loans Finding the right job Budgeting and saving Living on one's own Investing strategies for young investors Purchasing adequate insurance
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Book details

List price: $18.95
Copyright year: 2011
Publisher: John Wiley & Sons, Incorporated
Publication date: 1/7/2011
Binding: Paperback
Pages: 264
Size: 5.50" wide x 8.75" long x 0.50" tall
Weight: 0.594

About This Book
Conventions Used in This Book
What You're Not to Read
Foolish Assumptions
How This Book is Organized
Building Your Foundation
Grown-up Stuff
Earning More (And Keeping More of What You Earn)
Insurance: You're Not as Invincible or Independent as You Think!
Your Information Diet
The Part of Tens
Icons Used in This Book
Where to Go from Here
Building Your Foundation
Your Financial Checkup
Calculating Your Worth
Defining net worth
Figuring what you own: Financial assets
Determining what you owe: Financial liabilities
Netting the difference
Grasping the Importance of Savings
Netting your income and spending
Assessing the change in your net worth
Understanding and Improving Your Credit Score
Deciphering how lenders use credit reports and scores
Obtaining your credit reports and fixing errors
Getting your credit score
Improving your credit reports and score
Comprehending Your Investment Options
Examining Insurance Coverage
Identifying Common Financial Mistakes
Making the Best Use of Bank Accounts
Identifying Your Options
Brick-and-mortar banks
Online banks
Other choices
Understanding Your Banking Account Options
Transaction accounts
Options for getting cash
Savings accounts
Banking Online
Evaluating a bank: What to look for
Protecting yourself online
Considering Your Alternatives
Brokerage accounts with check-writing
Money market funds
Budgeting and Saving
Developing a Savings Mind-Set
What It's Worth: Valuing Savings over Time
The difference of continual savings
The difference of a few percent return
Budgeting and Boosting Your Savings
Setting and Prioritizing Your Savings Goals
Identifying common goals of accomplished savers
Valuing retirement accounts
Dealing with competing goals
Saving When You're Strapped
How to Spend Less and Save More
Hemming Housing Costs
Containing rental costs
Slicing homeowner expenses
Cutting Your Taxes
Managing Food Costs
Trimming Transportation Expenses
Finessing Fashion Finances
Recreating on a Budget
Taming Technology Spending
Keeping Down Insurance Costs
Getting Professional Advice
Handling Healthcare Expenses
Using Loans and Paying Down Debts
Eyeing the Causes of Generational Debt
Making the Most of Loans
Working Off Consumer Debt
Kicking the credit card habit
Discovering debit cards: Convenience without credit temptation
Lowering your credit card's interest rate
Tapping investments to reduce consumer debt
Paying down balances
Getting Help for Extreme Debt
Seeking counseling
Considering bankruptcy
Preventing Consumer Debt Relapses
Grown-up Stuff
Everything Credit: Scores and Reports
The Lowdown on Credit Reports and Credit Scores
Differentiating between credit reports and credit scores
Understanding how credit scores are determined
Knowing the value of a good credit score
Jump-starting your credit score
Getting Your Hands on Your Credit Reports and Scores
Scrutinizing Your Credit Reports to Improve Them
Identifying errors and getting them fixed
Boosting your credit score
Preventing Identity Theft
Housing: Comparing Renting and Buying
The Ins and Outs of Renting
Seeing the benefits of renting
Considering the long-term costs of renting
Completing your rental application
Figuring the Costs of Owning and Making It Happen Financially
Deciding to buy
Comparing the costs of owning versus renting
Considering your overall financial health
Calculating how much you can borrow
Accumulating your down payment
Finding the Right Property
Working with Real Estate Agents
Financing Your Home
Understanding your mortgage options
Deciding which mortgage type is best for you
Avoiding negative amortization and Interest-only loans
Getting your mortgage approved
Putting Your Deal Together
Relationships and Money
Handling Roommates
Living-Together Contracts
Getting Married
Earning More (And Keeping More of What You Earn)
Making the Most of Your Career
Getting Your Career Going
Putting everything in order
Educating and training your way to career success
Seeking value for your education dollars
Investing in your career
Exploring Entrepreneurial Options
Starting a small business
Purchasing a small business
Investing in a small business
Changing Jobs or Careers
The Young and the Unemployed
Understanding how joblessness hits younger people harder
Accessing unemployment benefits
Taking action
Taxes: Reduce Them or Else!
Understanding Taxable Income
Comparing Marginal Taxes
Reducing Taxes on Work Income
Contributing to retirement plans
Using health savings accounts
Deducting self-employment expenses
Increasing Your Deductions
Lowering Investment Income Taxes
Investing in tax-free money market funds and bonds
Selecting other tax-friendly investments
Making your profits long term
Enlisting Education Tax Breaks
Preparing Your Tax Return and Minimizing Your Taxes
Successful Investing Principles
Understanding Investments
Examining bonds and other lending investments
Exploring stocks, real estate, and small-business investments
Getting a Handle on Investment Risks
Establishing goals and risks
Comparing the risks of stocks and bonds
Spreading Your Investment Risks
Understanding why diversification is key
Allocating your assets
Holding onto your investments and shunning the herd
Selecting an Investment Firm
Evaluating Pundits and Experts
Portfolios for a Purpose
Before You Begin Investing
Investing Nonretirement Account Money
Emergency money
Long-term money
Investing Retirement Account Money
Establishing and prioritizing retirement contributions
Allocating money in employer plans
Designating money in plans you design
Investing for Education
Understanding the importance of applying for financial aid
Paying for educational costs
Insurance: You're Not as Invincible or Independent as You Think!
The Lowdown on Health Insurance
Making Sure That You're Covered
Transitioning your coverage
Seeing how the 2010 healthcare laws make coverage easier
Finding Your Best Health Plan
Selection of doctors and hospitals
Plan benefits and features
Shopping for Health Insurance
Uncovering the best Policies
Handling rejection
Health Savings Accounts: Tax Reduction for Healthcare Costs
Safeguarding Your Income
Protecting Your Income for You and Yours: Disability Insurance
Understanding disability coverage you may already have
Determining your need for disability coverage
Identifying useful disability policy features
Shopping for coverage
Protecting Your Income for Dependents: Life Insurance
Assessing your current life insurance coverage
Determining how much life insurance to buy
Deciding what type of life insurance to buy
Shopping for life insurance
Caring for Your Loved Ones: "Peace of Mind" Insurance
Home, Auto, Renters, and Other Insurance Policies
Protecting Your Home and Possessions
Dwelling coverage
Personal property protection
Liability insurance
Natural disaster protection
Shopping for homeowners insurance
Insuring Your Car
Liability protection
Collision and comprehensive
Riders you should bypass
Getting a good buy
Your Information Diet
Using Media Resources
Going Online: The Wild West of Advice and Predictions
Eyeing the real cost of "free"
Being aware online
Using the Web for gathering Information
Getting Financial Perspectives and Advice from the Media
Professionals You Hire
Considering Financial Advisors
Preparing to hire a financial advisor
Finding good financial advisors
Interviewing advisors
Taming Your Taxes with Help
Working with Real Estate Agents
The Part of Tens
Ten Ways to Save on a Car
Don't Buy a Car in the First Place
Pay Cash: Shun Leasing and Borrowing
Consider Total Costs
Compare New with Used
Understand a Car's Real Value before Negotiating
Take Care of Your Car
Explore Your Servicing Options
Drive Safely
Take a Lean and Mean Insurance Policy
Track Tax-Deductible Auto Expenses
Ten Things to Value More Than Your Money
Investing in Your Health
Making and Keeping Friends
Appreciating What You Have
Minding Your Reputation
Continuing Education
Having Fun
Putting Your Family First
Knowing Your Neighbors
Volunteering and Donating
Caring for Kids
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