Personal finance for dummies
Take stock of your financial situation From budgeting, saving, and reducing debt, to making timely investment choices and planning for the future, Personal Finance For Dummies provides fiscally conscious readers with the tools they need to take charge of their financial life. This new edition includ...
| Main Author: | |
|---|---|
| Format: | eBook |
| Language: | Inglés |
| Published: |
Hoboken, N.J.:
John Wiley & Sons
c2019.
Hoboken, New Jersey : 2018. |
| Edition: | Ninth edition |
| Series: | --For dummies
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| Subjects: | |
| See on Biblioteca Universitat Ramon Llull: | https://discovery.url.edu/permalink/34CSUC_URL/1im36ta/alma991009630524906719 |
Table of Contents:
- Intro
- Title Page
- Copyright Page
- Table of Contents
- Introduction
- About This Book
- Foolish Assumptions
- Icons Used in This Book
- Beyond the Book
- Where to Go from Here
- Part 1 Getting Started with Personal Finance
- Chapter 1 Improving Your Financial Literacy
- Talking Money at Home
- Identifying Unreliable Sources of Information
- Understanding the dangers of free financial content online
- Recognizing fake financial gurus
- Publishers pandering to advertisers
- Jumping over Real and Imaginary Hurdles to Financial Success
- Discovering what (or who) is holding you back
- Developing good financial habits
- Chapter 2 Measuring Your Financial Health
- Avoiding Common Money Mistakes
- Determining Your Financial Net Worth
- Adding up your financial assets
- Subtracting your financial liabilities
- Crunching your numbers
- Interpreting your net worth results
- Examining Your Credit Score and Reports
- Understanding what your credit data includes and means
- Obtaining your credit reports and score
- Improving your credit reports and score
- Getting credit report errors corrected
- Knowing the Difference between Bad Debt and Good Debt
- Consuming your way to bad debt
- Recognizing bad debt overload
- Assessing good debt: Can you get too much?
- Playing the credit-card float
- Analyzing Your Savings
- Evaluating Your Investment Knowledge
- Assessing Your Insurance Savvy
- Chapter 3 Managing Where Your Money Goes
- Examining Overspending
- Having access to credit
- Misusing credit cards
- Taking out car loans
- Bending to outside influences and agendas
- Spending to feel good
- Analyzing Your Spending
- Tracking spending the "low-tech" way
- Tracking your spending on "free" websites and apps
- Chapter 4 Establishing and Achieving Goals
- Creating Your Own Definition of Wealth.
- Acknowledging what money can't buy
- Managing the balancing act
- Prioritizing Your Savings Goals
- Knowing what's most important to you
- Valuing retirement accounts
- Dealing with competing goals
- Building Emergency Reserves
- Saving to Buy a Home or Business
- Funding Kids' Educational Expenses
- Saving for Big Purchases
- Preparing for Retirement/Financial Independence
- Figuring out what you need for retirement/ financial independence
- Understanding retirement building blocks
- Crunching numbers for your retirement
- Making up for lost time
- Part 2 Spending Less, Saving More
- Chapter 5 Dealing with Debt
- Using Savings to Reduce Your Consumer Debt
- Understanding how you gain
- Finding the funds to pay down consumer debts
- Decreasing Debt When You Lack Savings
- Reducing your credit card's interest rate
- Understanding all credit-card terms and conditions
- Cutting up your credit cards
- Discovering debit cards: The best of both worlds
- Turning to Credit Counseling Agencies
- Beware biased advice at credit counseling agencies
- Ask questions and avoid debt management programs
- Filing Bankruptcy
- Understanding bankruptcy benefits
- Coming to terms with bankruptcy drawbacks
- Deciphering the bankruptcy laws
- Choosing between Chapter 7 and 13
- Seeking bankruptcy advice
- Stopping the Spending/ Consumer Debt Cycle
- Resisting the credit temptation
- Identifying and treating a compulsion
- Chapter 6 Reducing Your Spending
- Unlocking the Keys to Successful Spending
- Living within your means
- Looking for the best values
- Eliminating the fat from your spending
- Turning your back on consumer credit
- Budgeting to Boost Your Savings
- Reducing Your Spending
- Managing food costs
- Saving on shelter
- Cutting transportation costs
- Lowering your energy costs
- Controlling clothing costs.
- Repaying your debt
- Indulging responsibly in fun and recreation
- Lowering your phone bills
- Technology: Spending wisely
- Curtailing personal care costs
- Paring down professional expenses
- Managing medical expenses
- Eliminating costly addictions
- Keeping an eye on insurance premiums
- Trimming your taxes
- Chapter 7 Trimming Your Taxes
- Understanding the Taxes You Pay
- Focusing on your total taxes
- Recognizing the importance of your marginal tax rate
- Defining taxable income
- Being mindful of the second tax system: Alternative minimum tax
- Analyzing the 2017 Tax Cuts and Jobs Act
- Trimming Employment Income Taxes
- Contributing to retirement plans
- Shifting some income
- Increasing Your Deductions
- Choosing standard or itemized deductions
- Purchasing real estate
- Trading consumer debt for mortgage debt
- Contributing to charities
- Remembering auto registration fees and state insurance
- Deducting self-employment expenses
- Reducing Investment Income Taxes
- Investing in tax-free money-market funds and bonds
- Selecting other tax-friendly investments
- Making your profits long term
- Does funding retirement accounts still make sense?
- Enlisting Education Tax Breaks
- Getting Help from Tax Resources
- Obtaining IRS assistance
- Consulting preparation and advice guides
- Using software and websites
- Hiring professional help
- Dealing with an Audit
- Getting your act together
- Surviving the day of reckoning
- Part 3 Building Wealth through Investing
- Chapter 8 Considering Important Investment Concepts
- Establishing Your Goals
- Understanding the Primary Investments
- Looking at lending investments
- Exploring ownership investments
- Shunning Gambling Instruments and Behaviors
- Forsaking futures, options, and other derivatives
- Ditching day trading.
- Understanding Investment Returns
- Sizing Investment Risks
- Comparing the risks of stocks and bonds
- Focusing on the risks you can control
- Discovering low-risk, high-return investments
- Diversifying Your Investments
- Spreading the wealth: Asset allocation
- Allocating money for the long term
- Sticking with your allocations: Don't trade
- Investing lump sums via dollar-cost averaging
- Acknowledging Differences among Investment Firms
- Focusing on the best firms
- Places to consider avoiding
- Seeing through Experts Who Predict the Future
- Investment newsletters
- Investment gurus
- Leaving You with Some Final Advice
- Chapter 9 Understanding Your Investment Choices
- Slow and Steady Investments
- Transaction/checking accounts
- Savings accounts and money-market funds
- Bonds
- Building Wealth with Ownership Vehicles
- Socking your money away in stocks
- Investing internationally in stocks
- Generating wealth with real estate
- Investing in small business (and your career)
- Off the Beaten Path: Investment Odds and Ends
- Precious metals
- Bitcoin and other cryptocurrencies
- Annuities
- Collectibles
- Chapter 10 Investing in Funds
- Understanding the Benefits of Mutual Funds and Exchange-Traded Funds
- Exploring Various Fund Types
- Money-market funds
- Bond funds
- Stock funds
- Balancing bonds and stocks: Hybrid funds
- U.S., international, and global funds
- Index funds
- Specialty (sector) funds
- Selecting the Best Funds
- Reading prospectuses and annual reports
- Keeping costs low
- Evaluating historic performance
- Assessing fund manager and fund family reputations
- Rating tax friendliness
- Determining your needs and goals
- Deciphering Your Fund's Performance
- Dividends
- Capital gains
- Share price changes
- Evaluating and Selling Your Funds.
- Chapter 11 Investing in Retirement Accounts
- Looking at Types of Retirement Accounts
- Employer-sponsored plans
- Self-employed plans
- Individual Retirement Accounts (IRAs)
- Annuities: An odd investment
- Allocating Your Money in Retirement Plans
- Prioritizing retirement contributions
- Setting up a retirement account
- Allocating money when your employer selects the investment options
- Allocating money in plans you design
- Transferring Retirement Accounts
- Transferring accounts you control
- Moving money from an employer's plan
- Chapter 12 Investing in Taxable Accounts
- Getting Started
- Paying off high-interest debt
- Taking advantage of tax breaks
- Understanding Taxes on Your Investments
- Fortifying Your Emergency Reserves
- Bank and credit union accounts
- Money-market mutual funds
- Investing for the Longer Term (Several Years or Decades)
- Defining your time horizons
- Bonds and bond funds
- Certificates of deposit (CDs)
- Stocks and stock funds
- Annuities
- Real estate
- Small-business investments
- Chapter 13 Investing for Educational Expenses
- Figuring Out How the Financial Aid System Works
- Treatment of retirement accounts
- Treatment of money in the kids' names
- Treatment of home equity and other assets
- Strategizing to Pay for Educational Expenses
- Estimating college costs
- Setting realistic savings goals
- Tips for getting loans, grants, and scholarships
- Investing Educational Funds
- Good investments: No-load mutual funds and exchange-traded funds
- Bad investments
- Overlooked investments
- Chapter 14 Investing in Real Estate: Your Home and Beyond
- Deciding Whether to Buy or Rent
- Assessing your timeline
- Determining what you can afford
- Calculating how much you can borrow
- Comparing owning versus renting costs
- Considering the long-term costs of renting.
- Recognizing advantages to renting.
