{"product_id":"managing-your-money-all-in-one-for-dummies","title":"Managing Your Money All-In-One for Dummies","description":"\u003ctable align=\"center\" border=\"0\" cellpadding=\"2\" cellspacing=\"0\" width=\"100%\"\u003e\n\u003ctr\u003e\n\u003ctd class=\"productDetailSmallElements\"\u003e\n\u003cp\u003e\n\u003cstrong\u003eTable of Contents\u003c\/strong\u003e:\u003cbr\u003e\n\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eIntroduction 1\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eAbout This Book 1\u003c\/p\u003e\n\u003cp\u003eFoolish Assumptions 2\u003c\/p\u003e\n\u003cp\u003eIcons Used in This Book 3\u003c\/p\u003e\n\u003cp\u003eBeyond the Book 3\u003c\/p\u003e\n\u003cp\u003eWhere to Go from Here 3\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 1: Taking Charge of Your Finances 5\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Assessing Where You Are Financially 7\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eAsking Some Preliminary Questions 8\u003c\/p\u003e\n\u003cp\u003eEvaluating Your Relationship with Money 9\u003c\/p\u003e\n\u003cp\u003eRecognizing emotional spending 9\u003c\/p\u003e\n\u003cp\u003eLiving for the moment 9\u003c\/p\u003e\n\u003cp\u003eChecking Out Your Credit Reports 10\u003c\/p\u003e\n\u003cp\u003eGetting copies of your credit reports 10\u003c\/p\u003e\n\u003cp\u003eKnowing why your reports matter 11\u003c\/p\u003e\n\u003cp\u003eFinding Out Your FICO Score 11\u003c\/p\u003e\n\u003cp\u003eComparing Spending and Income 12\u003c\/p\u003e\n\u003cp\u003eGathering the necessary materials 12\u003c\/p\u003e\n\u003cp\u003eCategorizing your expenses 13\u003c\/p\u003e\n\u003cp\u003eFiguring out the fritter factor 17\u003c\/p\u003e\n\u003cp\u003eTotaling spending and earnings 17\u003c\/p\u003e\n\u003cp\u003eCalculating your financial bottom line 18\u003c\/p\u003e\n\u003cp\u003eAssessing Your Spending Habits 18\u003c\/p\u003e\n\u003cp\u003eCataloging What You Own 20\u003c\/p\u003e\n\u003cp\u003eAdding Up What You Owe 22\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Improving Your Relationship with Money 25\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eWorking with Your Partner to Achieve Financial Goals 26\u003c\/p\u003e\n\u003cp\u003eRecognizing your financial strengths and weaknesses 26\u003c\/p\u003e\n\u003cp\u003eIdentifying long-term goals 28\u003c\/p\u003e\n\u003cp\u003eEstablishing savings goals 29\u003c\/p\u003e\n\u003cp\u003eFinding peaceful solutions to differences 29\u003c\/p\u003e\n\u003cp\u003ePulling together with your spouse or partner 30\u003c\/p\u003e\n\u003cp\u003eTalking money with your children 31\u003c\/p\u003e\n\u003cp\u003eBelieving in Yourself 33\u003c\/p\u003e\n\u003cp\u003eHandling Setbacks 35\u003c\/p\u003e\n\u003cp\u003eAsking for Help 37\u003c\/p\u003e\n\u003cp\u003eDigging Out of Debt 38\u003c\/p\u003e\n\u003cp\u003eStep 1: Acknowledge the problem 38\u003c\/p\u003e\n\u003cp\u003eStep 2: Cut the cards 38\u003c\/p\u003e\n\u003cp\u003eStep 3: Set a good budget and live within it 39\u003c\/p\u003e\n\u003cp\u003eStep 4: Contact your creditors 39\u003c\/p\u003e\n\u003cp\u003eBudgeting for the Future 39\u003c\/p\u003e\n\u003cp\u003eStep 1: Categorize your expenses 40\u003c\/p\u003e\n\u003cp\u003eStep 2: Estimate what you spend 41\u003c\/p\u003e\n\u003cp\u003eStep 3: Calculate and adjust 41\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: Building and Sticking to a Budget 43\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eComparing Monthly Spending and Income 44\u003c\/p\u003e\n\u003cp\u003eTackling a Budget Deficit 49\u003c\/p\u003e\n\u003cp\u003eCutting expenses 49\u003c\/p\u003e\n\u003cp\u003eReducing debt before saving 49\u003c\/p\u003e\n\u003cp\u003eUsing other strategies 50\u003c\/p\u003e\n\u003cp\u003ePaying the Important Stuff If You Can't Pay Everything 52\u003c\/p\u003e\n\u003cp\u003eDistinguishing between secured and unsecured debt 52\u003c\/p\u003e\n\u003cp\u003eKnowing when to prioritize an unsecured debt 53\u003c\/p\u003e\n\u003cp\u003eExamining a Budget Surplus 54\u003c\/p\u003e\n\u003cp\u003eFinalizing and Sticking to Your Budget 54\u003c\/p\u003e\n\u003cp\u003eSteeling your resolve 55\u003c\/p\u003e\n\u003cp\u003eChecking your progress each month 55\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 4: Cutting Spending and Boosting Income 59\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eFinding Ways to Spend Less 60\u003c\/p\u003e\n\u003cp\u003eLooking for good deals 60\u003c\/p\u003e\n\u003cp\u003eSpending less on your housing 60\u003c\/p\u003e\n\u003cp\u003eLowering your utility bills 61\u003c\/p\u003e\n\u003cp\u003eEating for less 62\u003c\/p\u003e\n\u003cp\u003ePaying less for transportation 64\u003c\/p\u003e\n\u003cp\u003eHaving fun for less 65\u003c\/p\u003e\n\u003cp\u003eLooking good for less 66\u003c\/p\u003e\n\u003cp\u003eDressing for less 66\u003c\/p\u003e\n\u003cp\u003eReducing your phone costs 67\u003c\/p\u003e\n\u003cp\u003eSaving on prescription drugs 67\u003c\/p\u003e\n\u003cp\u003eInching down your insurance costs 68\u003c\/p\u003e\n\u003cp\u003eBringing in More Bucks 70\u003c\/p\u003e\n\u003cp\u003eEarning more at your current job 71\u003c\/p\u003e\n\u003cp\u003eLooking for a new job 71\u003c\/p\u003e\n\u003cp\u003eGetting (and surviving) a second job 74\u003c\/p\u003e\n\u003cp\u003eConsidering freelancing 75\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 5: Cleaning Up Your Credit Reports 77\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eUnderstanding the True Value of Good Credit 78\u003c\/p\u003e\n\u003cp\u003eReviewing Your Reports for Problems 81\u003c\/p\u003e\n\u003cp\u003eUsing the Law to Get Your Credit Record Clean and Keep It That Way 84\u003c\/p\u003e\n\u003cp\u003eIdentifying and Disputing Inaccurate Information 87\u003c\/p\u003e\n\u003cp\u003eUnderstanding the dispute process 87\u003c\/p\u003e\n\u003cp\u003eCorrecting all your credit reports 88\u003c\/p\u003e\n\u003cp\u003eContacting the creditor 93\u003c\/p\u003e\n\u003cp\u003eAdding Positive Information to Your Credit Report 94\u003c\/p\u003e\n\u003cp\u003eAsking your landlord to report your rent payments 94\u003c\/p\u003e\n\u003cp\u003eAdding your utility and cell-phone payments to your report 94\u003c\/p\u003e\n\u003cp\u003eOpening new credit accounts 95\u003c\/p\u003e\n\u003cp\u003eAdding a 100-word statement 95\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 2: Managing Home and Personal Finances 97\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Running a Money-Smart Household 99\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eReaching Out to Touch Someone 99\u003c\/p\u003e\n\u003cp\u003eSaving on phone bills 100\u003c\/p\u003e\n\u003cp\u003eUsing email and texting to stay in touch 100\u003c\/p\u003e\n\u003cp\u003eRediscovering the joys of letter writing 100\u003c\/p\u003e\n\u003cp\u003eSaving on Climate Control 101\u003c\/p\u003e\n\u003cp\u003eDressing for the weather 101\u003c\/p\u003e\n\u003cp\u003eKeeping your cool when the weather's not 101\u003c\/p\u003e\n\u003cp\u003eWarming the house 104\u003c\/p\u003e\n\u003cp\u003eCutting Back on Electricity and Gas Use 106\u003c\/p\u003e\n\u003cp\u003eImproving your appliance efficiency 107\u003c\/p\u003e\n\u003cp\u003eShedding some light on the subject 107\u003c\/p\u003e\n\u003cp\u003eTrash Talk: Controlling Garbage Costs 108\u003c\/p\u003e\n\u003cp\u003eReducing what you throw away 108\u003c\/p\u003e\n\u003cp\u003eReusing household items in creative ways 109\u003c\/p\u003e\n\u003cp\u003eCutting Down on Water Use 110\u003c\/p\u003e\n\u003cp\u003eKeeping a Ceiling on Housing Budgets 111\u003c\/p\u003e\n\u003cp\u003eSaving money on rent 111\u003c\/p\u003e\n\u003cp\u003eSaving money on home ownership 112\u003c\/p\u003e\n\u003cp\u003eCutting Transportation Costs 115\u003c\/p\u003e\n\u003cp\u003eFinding a deal on a set of wheels 115\u003c\/p\u003e\n\u003cp\u003eUsing public transportation 117\u003c\/p\u003e\n\u003cp\u003eBiking and walking 117\u003c\/p\u003e\n\u003cp\u003eFinding bargains on airfare and rental cars 118\u003c\/p\u003e\n\u003cp\u003eOpting to travel by train or bus 119\u003c\/p\u003e\n\u003cp\u003ePurchasing Appliances 119\u003c\/p\u003e\n\u003cp\u003eKeeping energy efficiency in mind 119\u003c\/p\u003e\n\u003cp\u003eShopping for scratch-and-dent and secondhand 120\u003c\/p\u003e\n\u003cp\u003eThinking twice about renting-to-own 120\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Selecting the Best Home Purchase Loan 121\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eThree Questions to Help You Pick the Right Mortgage 122\u003c\/p\u003e\n\u003cp\u003eHow long do you plan to keep your mortgage? 122\u003c\/p\u003e\n\u003cp\u003eHow much financial risk can you accept? 123\u003c\/p\u003e\n\u003cp\u003eHow much money do you need? 124\u003c\/p\u003e\n\u003cp\u003eFixed-Rate Mortgages: No Surprises 125\u003c\/p\u003e\n\u003cp\u003eAdjustable-Rate Mortgages (ARMs) 127\u003c\/p\u003e\n\u003cp\u003eHow an ARM's interest rate is determined 129\u003c\/p\u003e\n\u003cp\u003eHow often does the interest rate adjust? 132\u003c\/p\u003e\n\u003cp\u003eWhat are the limits on rate adjustments? 132\u003c\/p\u003e\n\u003cp\u003eDoes the loan have negative amortization? 133\u003c\/p\u003e\n\u003cp\u003eFine-Tuning Your Thought Process 135\u003c\/p\u003e\n\u003cp\u003eFinding funds 136\u003c\/p\u003e\n\u003cp\u003eMaking the 30-year versus 15-year mortgage decision 136\u003c\/p\u003e\n\u003cp\u003eGetting a Loan When Rates Are High 137\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: Handling a Mortgage Meltdown 139\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eAssessing the Damage from a Mortgage Meltdown 140\u003c\/p\u003e\n\u003cp\u003eUnderstanding How Mortgages Differ from Other Loans 141\u003c\/p\u003e\n\u003cp\u003eSpotting a foreclosure on the horizon 142\u003c\/p\u003e\n\u003cp\u003eCounting to 90 142\u003c\/p\u003e\n\u003cp\u003eKnowing Where to Turn for Help 143\u003c\/p\u003e\n\u003cp\u003eFinding good help for free 143\u003c\/p\u003e\n\u003cp\u003eWorking with your mortgage servicer 144\u003c\/p\u003e\n\u003cp\u003eAvoiding help that hurts 145\u003c\/p\u003e\n\u003cp\u003eConsidering Alternatives to Going Down with the Ship 146\u003c\/p\u003e\n\u003cp\u003eWhat to do first 146\u003c\/p\u003e\n\u003cp\u003eWhat to do for more serious problems 147\u003c\/p\u003e\n\u003cp\u003eWhat to do to end matters 147\u003c\/p\u003e\n\u003cp\u003eManaging a foreclosure 148\u003c\/p\u003e\n\u003cp\u003eStrategic default: Stopping payments 149\u003c\/p\u003e\n\u003cp\u003eDealing with Deficiencies 151\u003c\/p\u003e\n\u003cp\u003ePreparing for \"Credit Winter\" 152\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 4: Keeping a Lid on Medical Costs 155\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eSaving on Medical Expenses 155\u003c\/p\u003e\n\u003cp\u003eKeeping a close eye on bills 155\u003c\/p\u003e\n\u003cp\u003eLooking into payment plans 156\u003c\/p\u003e\n\u003cp\u003eCoordinating insurance benefits 156\u003c\/p\u003e\n\u003cp\u003eFinding less-expensive prescriptions 156\u003c\/p\u003e\n\u003cp\u003eDiscovering What Makes a Great Health Insurance Plan 157\u003c\/p\u003e\n\u003cp\u003eDeciding Between Individual and Group 158\u003c\/p\u003e\n\u003cp\u003ePricing 158\u003c\/p\u003e\n\u003cp\u003eUnderwriting 158\u003c\/p\u003e\n\u003cp\u003eBenefit levels 159\u003c\/p\u003e\n\u003cp\u003eRenewability 159\u003c\/p\u003e\n\u003cp\u003eCoverage flexibility 159\u003c\/p\u003e\n\u003cp\u003eSaving Money on Individual Coverage 160\u003c\/p\u003e\n\u003cp\u003eSaving directly 160\u003c\/p\u003e\n\u003cp\u003eSaving indirectly with self-care 163\u003c\/p\u003e\n\u003cp\u003eCoping with Health Insurance Problems 164\u003c\/p\u003e\n\u003cp\u003eInsuring the uninsurable 164\u003c\/p\u003e\n\u003cp\u003eStaying insured through hard times 165\u003c\/p\u003e\n\u003cp\u003eInsuring your kids when your policy no longer covers them 165\u003c\/p\u003e\n\u003cp\u003eEvaluating insurance available through college 166\u003c\/p\u003e\n\u003cp\u003eUnderstanding temporary health insurance 167\u003c\/p\u003e\n\u003cp\u003eContinuing coverage following a divorce 168\u003c\/p\u003e\n\u003cp\u003eDeciding on a conversion policy 169\u003c\/p\u003e\n\u003cp\u003eConsidering HIPAA instead 170\u003c\/p\u003e\n\u003cp\u003eTaking Decisive Action 174\u003c\/p\u003e\n\u003cp\u003eReviewing bills with a fine-tooth comb 175\u003c\/p\u003e\n\u003cp\u003eMaking your plan pay what it should 175\u003c\/p\u003e\n\u003cp\u003eTaking advantage of hospital discounts 176\u003c\/p\u003e\n\u003cp\u003eReducing your medical debt 177\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 5: Using the Internet to Help Manage Your Finances 179\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eGiving Yourself an Online Financial Makeover 180\u003c\/p\u003e\n\u003cp\u003eUsing the Internet to Budget 181\u003c\/p\u003e\n\u003cp\u003eFinding Online Resources to Track Your Income and Expenses 184\u003c\/p\u003e\n\u003cp\u003eUsing the Internet to Get Free Financial Advice 185\u003c\/p\u003e\n\u003cp\u003eFinding Out What You're Worth 186\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 3: Dealing with Debt 189\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Tackling What You Owe 191\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eTaking Stock of Your Finances 192\u003c\/p\u003e\n\u003cp\u003eUsing a Budget to Get Out of Debt 193\u003c\/p\u003e\n\u003cp\u003eTaking the Right Steps When You Have Too Much Debt 194\u003c\/p\u003e\n\u003cp\u003eHandling Debt Collectors 195\u003c\/p\u003e\n\u003cp\u003eRealizing your rights 196\u003c\/p\u003e\n\u003cp\u003eUnderstanding why debt collectors behave as they do 197\u003c\/p\u003e\n\u003cp\u003eGetting a Financial Education 198\u003c\/p\u003e\n\u003cp\u003eThe difference between good debt and bad debt 198\u003c\/p\u003e\n\u003cp\u003eDistinguishing between types of credit 199\u003c\/p\u003e\n\u003cp\u003eSeeing yourself through a creditor's eyes 200\u003c\/p\u003e\n\u003cp\u003eBuilding a better credit history 201\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Starting or Restarting Your Credit in Real Life 203\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eDebunking Misinformation about Banking and Credit 204\u003c\/p\u003e\n\u003cp\u003eWhy you need credit 205\u003c\/p\u003e\n\u003cp\u003eWhy credit is safe 206\u003c\/p\u003e\n\u003cp\u003eObtaining Credit: Starting Out on the Right Foot 207\u003c\/p\u003e\n\u003cp\u003eEstablishing a credit file without a Social Security number 208\u003c\/p\u003e\n\u003cp\u003eSetting goals before you set out 209\u003c\/p\u003e\n\u003cp\u003eEstablishing a relationship with a financial institution 210\u003c\/p\u003e\n\u003cp\u003eUsing prepaid and reloadable cards 212\u003c\/p\u003e\n\u003cp\u003eFattening up your credit file 212\u003c\/p\u003e\n\u003cp\u003eAvoiding high interest, fees, and scams 214\u003c\/p\u003e\n\u003cp\u003eOvercoming Credit Fears and Mistakes 215\u003c\/p\u003e\n\u003cp\u003eQualifying for First-Time Cards and Lending 217\u003c\/p\u003e\n\u003cp\u003eGetting a credit card 217\u003c\/p\u003e\n\u003cp\u003eUsing savings for credit 219\u003c\/p\u003e\n\u003cp\u003eConsidering Credit for Students and Military Members 220\u003c\/p\u003e\n\u003cp\u003eGiving credit to students 220\u003c\/p\u003e\n\u003cp\u003eFollowing military credit rules 222\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: Consolidating Your Debts 225\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eKnowing When Debt Consolidation Makes Sense 225\u003c\/p\u003e\n\u003cp\u003eConsidering Your Options 226\u003c\/p\u003e\n\u003cp\u003eTransferring balances 227\u003c\/p\u003e\n\u003cp\u003eGetting a bank loan 229\u003c\/p\u003e\n\u003cp\u003eBorrowing against your life insurance policy 233\u003c\/p\u003e\n\u003cp\u003eBorrowing from your 401(k) retirement plan 234\u003c\/p\u003e\n\u003cp\u003eAvoiding Dangerous Debt-Consolidation Possibilities 236\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 4: Negotiating with Creditors and Getting Help 237\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eGetting Ready to Negotiate 238\u003c\/p\u003e\n\u003cp\u003eListing all your debts 239\u003c\/p\u003e\n\u003cp\u003eZeroing in on certain debts first 239\u003c\/p\u003e\n\u003cp\u003eReviewing your budget 240\u003c\/p\u003e\n\u003cp\u003ePulling together your financial information 241\u003c\/p\u003e\n\u003cp\u003eGetting Down to Business: Contacting Creditors 243\u003c\/p\u003e\n\u003cp\u003eMaking the Agreement Official: Putting It in Writing 244\u003c\/p\u003e\n\u003cp\u003eKnowing the Deal with Credit Counseling 246\u003c\/p\u003e\n\u003cp\u003eFinding a Reputable Credit Counseling Agency 246\u003c\/p\u003e\n\u003cp\u003eDifferentiating the good from the bad 247\u003c\/p\u003e\n\u003cp\u003eLocating agencies in your area 248\u003c\/p\u003e\n\u003cp\u003eKnowing what to ask and what to expect 249\u003c\/p\u003e\n\u003cp\u003eWorking with a Credit Counselor 250\u003c\/p\u003e\n\u003cp\u003eSharing your financial situation 251\u003c\/p\u003e\n\u003cp\u003eWhittling down your debt with a debt management plan 251\u003c\/p\u003e\n\u003cp\u003eAvoiding Debt Settlement Firms 254\u003c\/p\u003e\n\u003cp\u003eBeing wary of false promises 254\u003c\/p\u003e\n\u003cp\u003ePreventing worse financial problems 255\u003c\/p\u003e\n\u003cp\u003eGetting Relief If You Get Ripped Off 255\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 5: Considering Bankruptcy 257\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eViewing Bankruptcy in a Historical Context 258\u003c\/p\u003e\n\u003cp\u003eDebunking Bankruptcy Myths 260\u003c\/p\u003e\n\u003cp\u003e\"People who go bankrupt are sleazy deadbeats\" 260\u003c\/p\u003e\n\u003cp\u003e\"Bankruptcy is the easy way out for folks who can pay their bills\" 262\u003c\/p\u003e\n\u003cp\u003e\"Bankruptcy threatens the ethical foundations of our society\" 262\u003c\/p\u003e\n\u003cp\u003e\"Honest folks pay a 'tax' to support people who are bankrupt\" 263\u003c\/p\u003e\n\u003cp\u003eUnderstanding What You Can Gain Through Bankruptcy 263\u003c\/p\u003e\n\u003cp\u003eStopping creditors in their tracks 265\u003c\/p\u003e\n\u003cp\u003eWiping out most of your debts 266\u003c\/p\u003e\n\u003cp\u003eCatching up on back mortgage and car payments 267\u003c\/p\u003e\n\u003cp\u003eFiling bankruptcy to pay some debts over time 267\u003c\/p\u003e\n\u003cp\u003eUsing bankruptcy to pay all your debts 267\u003c\/p\u003e\n\u003cp\u003eKnowing What You Can Lose in Bankruptcy 268\u003c\/p\u003e\n\u003cp\u003eConsidering Alternatives to Bankruptcy 269\u003c\/p\u003e\n\u003cp\u003eIntroducing the Different Types of Personal Bankruptcy 270\u003c\/p\u003e\n\u003cp\u003eLiquidations (Chapter 7) 271\u003c\/p\u003e\n\u003cp\u003eConsumer reorganizations (Chapter 13) 271\u003c\/p\u003e\n\u003cp\u003eWeighing the Consequences of Not Filing Bankruptcy 272\u003c\/p\u003e\n\u003cp\u003eClaims secured by your car 272\u003c\/p\u003e\n\u003cp\u003eClaims secured by your home 273\u003c\/p\u003e\n\u003cp\u003eStudent loans 273\u003c\/p\u003e\n\u003cp\u003eSupport obligations 273\u003c\/p\u003e\n\u003cp\u003eFines and restitution 273\u003c\/p\u003e\n\u003cp\u003eTaxes 274\u003c\/p\u003e\n\u003cp\u003eLawsuits 274\u003c\/p\u003e\n\u003cp\u003eUsing the Statute of Limitations 274\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 4: Saving and Investing 275\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Becoming a Saver 277\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eEliminating Most of the Fat 278\u003c\/p\u003e\n\u003cp\u003eMaking lists of where you are now 278\u003c\/p\u003e\n\u003cp\u003eCarving away the truly wasteful 279\u003c\/p\u003e\n\u003cp\u003eLowering Your Debt 280\u003c\/p\u003e\n\u003cp\u003eTrimming Other Costs 282\u003c\/p\u003e\n\u003cp\u003eChanging Your Perspective and Watching Your Savings Grow 283\u003c\/p\u003e\n\u003cp\u003ePaying yourself first 283\u003c\/p\u003e\n\u003cp\u003eEducating yourself about investing 284\u003c\/p\u003e\n\u003cp\u003eTaking advantage of giveaways 287\u003c\/p\u003e\n\u003cp\u003eSaving While in Debt 289\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Investing in Stocks, Bonds, and Mutual Funds 291\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eStock: Owning a Piece of the Rock 292\u003c\/p\u003e\n\u003cp\u003eUnderstanding stock 292\u003c\/p\u003e\n\u003cp\u003eConducting business in stock exchanges 293\u003c\/p\u003e\n\u003cp\u003eBrushing up: A quick stock glossary 294\u003c\/p\u003e\n\u003cp\u003ePicking a stock investment strategy 296\u003c\/p\u003e\n\u003cp\u003eBuying Bonds for Fixed Income 297\u003c\/p\u003e\n\u003cp\u003eUnderstanding bonds 297\u003c\/p\u003e\n\u003cp\u003eSorting out different kinds of bonds 298\u003c\/p\u003e\n\u003cp\u003eInterpreting bond ratings 299\u003c\/p\u003e\n\u003cp\u003eMutual Funds: The Power of Many 301\u003c\/p\u003e\n\u003cp\u003eUnderstanding mutual funds 301\u003c\/p\u003e\n\u003cp\u003eDefining different kinds of mutual funds 302\u003c\/p\u003e\n\u003cp\u003eDoing It Your Way versus Using a Broker 302\u003c\/p\u003e\n\u003cp\u003eFull-service brokers 303\u003c\/p\u003e\n\u003cp\u003eDiscount brokers 304\u003c\/p\u003e\n\u003cp\u003eOnline brokers 304\u003c\/p\u003e\n\u003cp\u003eAvoiding Five Common Investing Mistakes 304\u003c\/p\u003e\n\u003cp\u003eInvesting before you're ready 305\u003c\/p\u003e\n\u003cp\u003eInvesting without goals 305\u003c\/p\u003e\n\u003cp\u003eBelieving those \"hot\" tips 306\u003c\/p\u003e\n\u003cp\u003eNot diversifying your portfolio 307\u003c\/p\u003e\n\u003cp\u003eSelling too soon (or too late) 307\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: Saving for Retirement 309\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eTargeting Your Retirement Date 310\u003c\/p\u003e\n\u003cp\u003eGetting Your Hands on Your Money 311\u003c\/p\u003e\n\u003cp\u003eDrawing on your Social Security 311\u003c\/p\u003e\n\u003cp\u003eTapping into other sources 316\u003c\/p\u003e\n\u003cp\u003eLiving the retirement life 317\u003c\/p\u003e\n\u003cp\u003eTesting the waters in your gene pool 318\u003c\/p\u003e\n\u003cp\u003eDeveloping Your Retirement Savings Plan 318\u003c\/p\u003e\n\u003cp\u003eCutting down on your expenses 318\u003c\/p\u003e\n\u003cp\u003ePicturing your progress 320\u003c\/p\u003e\n\u003cp\u003eCounting on compounding 324\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 4: Saving for College 327\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eDoing the Numbers 328\u003c\/p\u003e\n\u003cp\u003eExploring Section 529 Plans 329\u003c\/p\u003e\n\u003cp\u003eChecking Out Coverdell Accounts 329\u003c\/p\u003e\n\u003cp\u003eBut Wait! There's More! 330\u003c\/p\u003e\n\u003cp\u003eMaximizing Your Savings, Minimizing Your Tax 332\u003c\/p\u003e\n\u003cp\u003eChecking Out the Cost of College 332\u003c\/p\u003e\n\u003cp\u003eTackling tuition 333\u003c\/p\u003e\n\u003cp\u003eAccounting for housing 333\u003c\/p\u003e\n\u003cp\u003eFactoring in books and supplies 335\u003c\/p\u003e\n\u003cp\u003eLooking into the Costs of Various Types of Schools 336\u003c\/p\u003e\n\u003cp\u003eExploring career and vocational training schools 336\u003c\/p\u003e\n\u003cp\u003eTaking community college and continuing education classes 336\u003c\/p\u003e\n\u003cp\u003eGoing for a four-year public education 337\u003c\/p\u003e\n\u003cp\u003eGetting your education in private 337\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 5: Working with an Online Broker 339\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eFinding the Best Broker for You 340\u003c\/p\u003e\n\u003cp\u003eThe nine main factors to consider 340\u003c\/p\u003e\n\u003cp\u003eGotchas to watch out for 342\u003c\/p\u003e\n\u003cp\u003eSeparating the Types of Brokerages 342\u003c\/p\u003e\n\u003cp\u003ePaying the minimum with a deep discounter 343\u003c\/p\u003e\n\u003cp\u003eGet more with a discounter 344\u003c\/p\u003e\n\u003cp\u003eFull-service traditional 348\u003c\/p\u003e\n\u003cp\u003eAvoiding Hidden Fees 350\u003c\/p\u003e\n\u003cp\u003eFinding Out What Reviewers Think 351\u003c\/p\u003e\n\u003cp\u003eIs Your Money Safe? Checking Out Your Broker 352\u003c\/p\u003e\n\u003cp\u003eCutting the Cord: Mobile Trading 354\u003c\/p\u003e\n\u003cp\u003eOpening and Setting Up Your Account 355\u003c\/p\u003e\n\u003cp\u003eThe checklist of what you need to know 356\u003c\/p\u003e\n\u003cp\u003eThe checklist of what you need to have 356\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 5: Protecting Your Money and Assets 357\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Combating Identity Theft 359\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eKeeping Thieves at Bay 360\u003c\/p\u003e\n\u003cp\u003eGetting on the technology train 361\u003c\/p\u003e\n\u003cp\u003eLooking out for phishing scams 361\u003c\/p\u003e\n\u003cp\u003eSafeguarding your computer data 363\u003c\/p\u003e\n\u003cp\u003eKeeping passwords secret 364\u003c\/p\u003e\n\u003cp\u003eProtecting your mail 365\u003c\/p\u003e\n\u003cp\u003eStoring financial data in your home 366\u003c\/p\u003e\n\u003cp\u003ePutting your credit information on ice 366\u003c\/p\u003e\n\u003cp\u003eShielding your credit card number 367\u003c\/p\u003e\n\u003cp\u003eCatching Identity Thieves in the Act 369\u003c\/p\u003e\n\u003cp\u003eWatching for early-warning notices 370\u003c\/p\u003e\n\u003cp\u003eGetting early warnings from the IRS 371\u003c\/p\u003e\n\u003cp\u003eHandling a collections call 372\u003c\/p\u003e\n\u003cp\u003eDetecting unauthorized charges 372\u003c\/p\u003e\n\u003cp\u003eBeing denied credit or account access 373\u003c\/p\u003e\n\u003cp\u003eNoticing missing account statements 373\u003c\/p\u003e\n\u003cp\u003eTaking Fast Action When Identity Theft Occurs 374\u003c\/p\u003e\n\u003cp\u003eCommunicating with the right people 374\u003c\/p\u003e\n\u003cp\u003eProtecting your identity through the FACT Act 377\u003c\/p\u003e\n\u003cp\u003eSending out a fraud alert 379\u003c\/p\u003e\n\u003cp\u003eBlocking fraudulent credit lines 380\u003c\/p\u003e\n\u003cp\u003eGetting and Using Credit After Identity Theft 380\u003c\/p\u003e\n\u003cp\u003eClosing and reopening your accounts 380\u003c\/p\u003e\n\u003cp\u003eAltering your PINs and passwords 381\u003c\/p\u003e\n\u003cp\u003eChanging your Social Security number and driver's license number 382\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Online Banking 383\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eOnline and Traditional Banks 383\u003c\/p\u003e\n\u003cp\u003eAdvantages of online banking 384\u003c\/p\u003e\n\u003cp\u003eOnline bank access 384\u003c\/p\u003e\n\u003cp\u003eAccounting for Your Accounts 385\u003c\/p\u003e\n\u003cp\u003eSavings account 385\u003c\/p\u003e\n\u003cp\u003eBasic checking account 386\u003c\/p\u003e\n\u003cp\u003eInterest-bearing checking account 386\u003c\/p\u003e\n\u003cp\u003eMMDA or MMA 386\u003c\/p\u003e\n\u003cp\u003ecd 386\u003c\/p\u003e\n\u003cp\u003eChoosing an Online Bank That's Right for You 387\u003c\/p\u003e\n\u003cp\u003eIdentifying your user profile 387\u003c\/p\u003e\n\u003cp\u003eNoting the fees when you shop 388\u003c\/p\u003e\n\u003cp\u003eOpening Your Online Bank Account 390\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: Homeowner's Insurance: Protecting Your Stuff 393\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eIntroducing the Six Parts of a Homeowner's Policy 394\u003c\/p\u003e\n\u003cp\u003eInsuring your residence (Coverage A) 394\u003c\/p\u003e\n\u003cp\u003eInsuring detached structures (Coverage B) 396\u003c\/p\u003e\n\u003cp\u003eInsuring your belongings (Coverage C) 397\u003c\/p\u003e\n\u003cp\u003eInsuring additional living expenses (Coverage D) 398\u003c\/p\u003e\n\u003cp\u003eInsuring your personal liability (Coverage E) 399\u003c\/p\u003e\n\u003cp\u003eInsuring guests' medical bills (Coverage F) 401\u003c\/p\u003e\n\u003cp\u003eChoosing the Right Homeowner's Property Coverages 401\u003c\/p\u003e\n\u003cp\u003eUnderstanding the causes-of-loss options 402\u003c\/p\u003e\n\u003cp\u003eIntroducing the six most common homeowner's policies 403\u003c\/p\u003e\n\u003cp\u003eEstablishing Property Coverage Limits 404\u003c\/p\u003e\n\u003cp\u003eDetermining the replacement cost of your home 405\u003c\/p\u003e\n\u003cp\u003eGuaranteeing you'll have enough insurance to rebuild 407\u003c\/p\u003e\n\u003cp\u003eEstimating the cost to replace belongings 408\u003c\/p\u003e\n\u003cp\u003eChoosing your deductible 409\u003c\/p\u003e\n\u003cp\u003eDocumenting Your Claim 411\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 4: Auto Insurance Basics 413\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eManaging Your Lawsuit Risks 413\u003c\/p\u003e\n\u003cp\u003eReviewing noninsurance strategies 414\u003c\/p\u003e\n\u003cp\u003eBuying liability insurance 414\u003c\/p\u003e\n\u003cp\u003eInsuring Your Personal Injuries 419\u003c\/p\u003e\n\u003cp\u003eUnderstanding how uninsured and underinsured motorist coverage works 420\u003c\/p\u003e\n\u003cp\u003eSaving money on medical coverage 423\u003c\/p\u003e\n\u003cp\u003eDealing with Damage to Your Vehicle 424\u003c\/p\u003e\n\u003cp\u003eChoosing cost-effective deductibles 425\u003c\/p\u003e\n\u003cp\u003eKnowing when to drop collision and comprehensive coverage 428\u003c\/p\u003e\n\u003cp\u003eEvaluating Road Service and Car Rental Coverages 429\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 5: Insuring Yourself: Life Insurance 431\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eAssessing the Need 431\u003c\/p\u003e\n\u003cp\u003eWho doesn't need life insurance 432\u003c\/p\u003e\n\u003cp\u003eWho does need life insurance 432\u003c\/p\u003e\n\u003cp\u003eDetermining How Much Coverage You Need 433\u003c\/p\u003e\n\u003cp\u003eLooking at a hypothetical family 433\u003c\/p\u003e\n\u003cp\u003eUsing the multiple of income method 434\u003c\/p\u003e\n\u003cp\u003eUsing the web to estimate needs 434\u003c\/p\u003e\n\u003cp\u003eSpeaking the Language 436\u003c\/p\u003e\n\u003cp\u003eUnderstanding the Types of Life Insurance 437\u003c\/p\u003e\n\u003cp\u003eIdeal use 437\u003c\/p\u003e\n\u003cp\u003ePricing 438\u003c\/p\u003e\n\u003cp\u003eAgent commissions 438\u003c\/p\u003e\n\u003cp\u003eUnderstanding the Variations of Permanent Life Insurance 439\u003c\/p\u003e\n\u003cp\u003eWhole life 440\u003c\/p\u003e\n\u003cp\u003eUniversal life 441\u003c\/p\u003e\n\u003cp\u003eVariable life 442\u003c\/p\u003e\n\u003cp\u003eCash value options when dropping permanent insurance 443\u003c\/p\u003e\n\u003cp\u003eUnderstanding the Variations of Term Life Insurance 445\u003c\/p\u003e\n\u003cp\u003eAnnual renewable term (ART) 445\u003c\/p\u003e\n\u003cp\u003eFixed-rate level term 445\u003c\/p\u003e\n\u003cp\u003eDecreasing term 447\u003c\/p\u003e\n\u003cp\u003eInsurance from your mortgage company 447\u003c\/p\u003e\n\u003cp\u003eMaking Your Choice 448\u003c\/p\u003e\n\u003cp\u003eEvaluating Life Insurance Sources 449\u003c\/p\u003e\n\u003cp\u003eConsidering an agent 450\u003c\/p\u003e\n\u003cp\u003eBuying without an agent 452\u003c\/p\u003e\n\u003cp\u003eDebunking Myths and Mistakes 454\u003c\/p\u003e\n\u003cp\u003eMistake: Trading cash value for death protection needs 454\u003c\/p\u003e\n\u003cp\u003eMyth: Supplemental group life is cheaper 455\u003c\/p\u003e\n\u003cp\u003eMistake: Buying life insurance in pieces 455\u003c\/p\u003e\n\u003cp\u003eMistake: Accidental death\/travel coverage 456\u003c\/p\u003e\n\u003cp\u003eMistake: Covering only one income 456\u003c\/p\u003e\n\u003cp\u003eMistake: Ignoring a stay-at-home parent's value 456\u003c\/p\u003e\n\u003cp\u003eMistake: Covering children, not parents 457\u003c\/p\u003e\n\u003cp\u003eMistake: Decreasing term insurance 457\u003c\/p\u003e\n\u003cp\u003eMistake: Being unrealistic about how much life insurance you can afford 457\u003c\/p\u003e\n\u003cp\u003eMistake: Buying before you need it 458\u003c\/p\u003e\n\u003cp\u003eMyth: It's cheaper when you're young 458\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 6: Dealing with the Tax Man 459\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Tax Return Preparation Options and Tools 461\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003ePreparing Your Own Return 462\u003c\/p\u003e\n\u003cp\u003eTaking Advantage of IRS Publications 463\u003c\/p\u003e\n\u003cp\u003ePerusing Tax-Preparation and Advice Guides 464\u003c\/p\u003e\n\u003cp\u003eUsing Software 464\u003c\/p\u003e\n\u003cp\u003eAccessing Internet Tax Resources 465\u003c\/p\u003e\n\u003cp\u003eInternal Revenue Service 466\u003c\/p\u003e\n\u003cp\u003eResearch 467\u003c\/p\u003e\n\u003cp\u003eTax preparation sites 468\u003c\/p\u003e\n\u003cp\u003eHiring Help 468\u003c\/p\u003e\n\u003cp\u003eDeciding whether you really need a preparer 469\u003c\/p\u003e\n\u003cp\u003eUnenrolled preparers 469\u003c\/p\u003e\n\u003cp\u003eEnrolled agents (EAs) 470\u003c\/p\u003e\n\u003cp\u003eCertified public accountants (CPAs) 470\u003c\/p\u003e\n\u003cp\u003eTax attorneys 471\u003c\/p\u003e\n\u003cp\u003eFinding Tax Preparers and Advisors 473\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Getting and Staying Organized 475\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eMaintaining the Burden of Proof 476\u003c\/p\u003e\n\u003cp\u003eKeeping Good Records 477\u003c\/p\u003e\n\u003cp\u003eEnsuring a complete and accurate tax return 477\u003c\/p\u003e\n\u003cp\u003eSetting up a record-keeping system 479\u003c\/p\u003e\n\u003cp\u003eTracking tax information on your computer 480\u003c\/p\u003e\n\u003cp\u003eDeciding when to stash and when to trash 481\u003c\/p\u003e\n\u003cp\u003eReconstructing Missing Tax Records 481\u003c\/p\u003e\n\u003cp\u003eProperty received by inheritance or gift 482\u003c\/p\u003e\n\u003cp\u003eSecurities received by inheritance or gift 485\u003c\/p\u003e\n\u003cp\u003eImprovements to a residence 485\u003c\/p\u003e\n\u003cp\u003eCasualty losses 486\u003c\/p\u003e\n\u003cp\u003eBusiness records 487\u003c\/p\u003e\n\u003cp\u003eUsing duplicate account statements 487\u003c\/p\u003e\n\u003cp\u003eUnderstanding the Cohan Rule 488\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: No Form Fits All (Or, What Kind of Taxpayer Are You?) 491\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eWhat Rendition of 1040 Shall You Play? 492\u003c\/p\u003e\n\u003cp\u003eForm 1040 492\u003c\/p\u003e\n\u003cp\u003eForm 1040-SR 493\u003c\/p\u003e\n\u003cp\u003eForm 1040-NR 494\u003c\/p\u003e\n\u003cp\u003eChoosing a Filing Status 494\u003c\/p\u003e\n\u003cp\u003eSingle 495\u003c\/p\u003e\n\u003cp\u003eMarried filing jointly 495\u003c\/p\u003e\n\u003cp\u003eMarried filing separately 496\u003c\/p\u003e\n\u003cp\u003eHead of household 500\u003c\/p\u003e\n\u003cp\u003eQualifying widow(er) with dependent child 502\u003c\/p\u003e\n\u003cp\u003eCounting your dependents 502\u003c\/p\u003e\n\u003cp\u003eDeciding who is your dependent 503\u003c\/p\u003e\n\u003cp\u003eSecuring Social Security numbers for dependents 506\u003c\/p\u003e\n\u003cp\u003eFiling for Children and Other Dependents 508\u003c\/p\u003e\n\u003cp\u003eDefining Who Is a Qualifying Child 509\u003c\/p\u003e\n\u003cp\u003eAge test 509\u003c\/p\u003e\n\u003cp\u003eRelationship test 510\u003c\/p\u003e\n\u003cp\u003eResidency test 510\u003c\/p\u003e\n\u003cp\u003eSupport test 510\u003c\/p\u003e\n\u003cp\u003eMust You File? 511\u003c\/p\u003e\n\u003cp\u003eWhen to file 513\u003c\/p\u003e\n\u003cp\u003eIf you don't file 513\u003c\/p\u003e\n\u003cp\u003eWhere to file 514\u003c\/p\u003e\n\u003cp\u003eHow to file 514\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eBook 7: Retiring Comfortably 517\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 1: Checking the Benefits of a 401(k) 519\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eRealizing What a 401(k) Does for You 520\u003c\/p\u003e\n\u003cp\u003eLowers how much tax you pay 520\u003c\/p\u003e\n\u003cp\u003eGets you matching funds from your employer 525\u003c\/p\u003e\n\u003cp\u003eMakes room for a little something extra: Employer non-matching contribution 526\u003c\/p\u003e\n\u003cp\u003eAllows you to save without tears 527\u003c\/p\u003e\n\u003cp\u003eVesting: When Your Employer's Contribution Is Yours to Keep 527\u003c\/p\u003e\n\u003cp\u003eVesting of employer contributions 528\u003c\/p\u003e\n\u003cp\u003eMaking exceptions 529\u003c\/p\u003e\n\u003cp\u003eLetting the Pros Work for You 530\u003c\/p\u003e\n\u003cp\u003eProtecting Your Money 530\u003c\/p\u003e\n\u003cp\u003eMeeting minimum standards 531\u003c\/p\u003e\n\u003cp\u003eAvoiding losses in bankruptcy 532\u003c\/p\u003e\n\u003cp\u003eWatching Out for Potential Pitfalls 532\u003c\/p\u003e\n\u003cp\u003eEarning more may mean contributing less 532\u003c\/p\u003e\n\u003cp\u003eBeing at the mercy of your plan 533\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 2: Retiring Your Way: IRAs 535\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eLooking at the Basics of Your IRA 535\u003c\/p\u003e\n\u003cp\u003eStaying traditional 536\u003c\/p\u003e\n\u003cp\u003eTouching on Roth IRAs 537\u003c\/p\u003e\n\u003cp\u003eBenefiting from a spousal IRA 538\u003c\/p\u003e\n\u003cp\u003eStarting an IRA for a child 538\u003c\/p\u003e\n\u003cp\u003eSetting Up Your IRA 539\u003c\/p\u003e\n\u003cp\u003eDeciding where to invest your money 540\u003c\/p\u003e\n\u003cp\u003eOpening your account 541\u003c\/p\u003e\n\u003cp\u003eMaintaining Your IRA 542\u003c\/p\u003e\n\u003cp\u003eMoving Your IRA 542\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003eChapter 3: Paychecks from Your House: Reverse Mortgages 545\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eGrasping the Reverse Mortgage Basics 546\u003c\/p\u003e\n\u003cp\u003eConsidering common objections 547\u003c\/p\u003e\n\u003cp\u003eWho can get a reverse mortgage? 548\u003c\/p\u003e\n\u003cp\u003eHow much money can you get and when? 549\u003c\/p\u003e\n\u003cp\u003eWhen do you pay the money back? 551\u003c\/p\u003e\n\u003cp\u003eWhat do you owe? 551\u003c\/p\u003e\n\u003cp\u003eHow is the loan repaid? 552\u003c\/p\u003e\n\u003cp\u003eWhat's the out-of-pocket cost of getting a reverse mortgage? 552\u003c\/p\u003e\n\u003cp\u003eWhat are the other reverse mortgage costs? 553\u003c\/p\u003e\n\u003cp\u003eWhat's the total annual rate? 554\u003c\/p\u003e\n\u003cp\u003eHow do reverse mortgages affect your government-sponsored benefits? 555\u003c\/p\u003e\n\u003cp\u003eShopping for a Reverse Mortgage 555\u003c\/p\u003e\n\u003cp\u003eMaking major choices 556\u003c\/p\u003e\n\u003cp\u003eCounseling 557\u003c\/p\u003e\n\u003cp\u003eDecid\u003c\/p\u003e\n\u003cbr\u003e\u003cbr\u003e\n\u003cstrong\u003eBiographical Note\u003c\/strong\u003e:\u003cbr\u003e\n\u003cp\u003e\u003cb\u003eTed Benna\u003c\/b\u003e and \u003cb\u003eBrenda Watson Newmann \u003c\/b\u003eare coauthors of \u003ci\u003e401(k)s \u0026amp; IRAs For Dummies\u003c\/i\u003e. \u003cb\u003eJohn Ventura \u003c\/b\u003ewas the coauthor of \u003ci\u003eManaging Debt For Dummies\u003c\/i\u003e with \u003cb\u003eMary Reed. Eric Tyson \u003c\/b\u003eis coauthor with \u003cb\u003eRobert S. Griswold \u003c\/b\u003eon \u003ci\u003eMortgage Management For Dummies\u003c\/i\u003e. \u003cb\u003eJack Hungelmann\u003c\/b\u003e is author of \u003ci\u003eInsurance For Dummies\u003c\/i\u003e. \u003cb\u003eMelyssa Barrett, Steve Bucci, Rod Griffin\u003c\/b\u003e are coauthors of \u003ci\u003eCredit Repair Kit For Dummies\u003c\/i\u003e. Other authors include \u003cb\u003eMatt Krantz, Deborah Taylor-Hough, James P. Caher, John M. Caher, Kathleen Sindell, Margaret Atkins Munro, N. Brian Caverly, \u003c\/b\u003e and \u003cb\u003eJordan S. Simon.\u003c\/b\u003e\u003c\/p\u003e\n\u003cbr\u003e\u003cbr\u003e\n\u003cstrong\u003ePublisher Marketing\u003c\/strong\u003e:\u003cbr\u003e\n\u003cp\u003e\u003cb\u003eA hands-on, power-packed guide to managing all things money\u003c\/b\u003e \u003c\/p\u003e\n\u003cp\u003eTime and money. Those are the two most important assets you have, and smart people manage both of them wisely. \u003ci\u003eManaging Your Money All-in-One For Dummies\u003c\/i\u003e is your one-stop resource to turn to when you're ready to manage your money. It offers everything you need to confidently handle your finances\u003ci\u003e.\u003c\/i\u003e When you're ready to create a budget, pay down debt, and scale back your expenses, you'll find the support you need here. If you're eyeing the future, you'll find advice on improving your credit score, saving for college and retirement, and planning an estate. As if all of that isn't enough, this comprehensive book covers other financial topics such as buying insurance, investing in your 401(k), and so much more. \u003c\/p\u003e\n\u003cp\u003eThe authors of \u003ci\u003eManaging Your Money All-in-One For Dummies\u003c\/i\u003e explain how to handle your money in a way that encourages you to think and act positively, no matter what your financial situation looks like. And as you move toward financial freedom, you can come back to this book to get advice on topics that go beyond day-to-day money management, such as taking out a mortgage, investing online, and more. \u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eGet your financial life in order, whatever your stage of life\u003c\/li\u003e\n\u003cli\u003eMake a budget, manage your credit, and pay down your debt\u003c\/li\u003e\n\u003cli\u003eDemystify financial reports, online investing, and retirement plans\u003c\/li\u003e\n\u003cli\u003eSave for college and learn how to balance your saving and spending habits in any economy\u003c\/li\u003e\n\u003cli\u003eNavigate the new norm of online banking\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eSpend some time learning how to manage your money today. It'll be a wise investment of both of your most valuable assets.\u003c\/p\u003e\n\u003cbr\u003e\u003cbr\u003e\n\n\u003cbr\u003e\n\u003cbr\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\u003cp\u003e\u003cb\u003eAuthor:\u003c\/b\u003e The Experts at Dummies\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e For Dummies\u003cbr\u003e\u003cb\u003eBinding:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003ePub Date:\u003c\/b\u003e 2022-06-28\u003cbr\u003e\u003cb\u003eBISAC:\u003c\/b\u003e Business \u0026amp; Economics \/ Personal Finance \/ Money Management\u003cbr\u003e\u003cb\u003eSubjects:\u003c\/b\u003e Finance, Personal|Debt|Saving and investment|Insurance|Retirement|Planning\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 2.17 lbs\u003cbr\u003e\u003cb\u003eISBN:\u003c\/b\u003e 9781119883357\u003cbr\u003e\u003cb\u003eASIN:\u003c\/b\u003e -\u003cbr\u003e\u003cb\u003eSKU:\u003c\/b\u003e SP-9781119883357\u003c\/p\u003e","brand":"For Dummies","offers":[{"title":"Default Title","offer_id":52402949488921,"sku":"SP-9781119883357","price":49.99,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0913\/0380\/5209\/files\/77f97895-712d-4aa2-830b-0ef621512b6a.jpg?v=1784499110","url":"https:\/\/westbindery.com\/products\/managing-your-money-all-in-one-for-dummies","provider":"West Bindery","version":"1.0","type":"link"}