The Everything Personal Finance in Your 20s and 30s Book

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  • Edition: 3rd
  • Format: Paperback
  • Copyright: 2012-09-18
  • Publisher: SS

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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 with The Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you'll learn how to be financially independent by: Creating a workable budget Minimizing credit card and student loan debt Investing money wisely Building an emergency fund You'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!

Author Biography

Howard Davidoff, JD, CPA, LLM, is a personal finance planning professional and attorney with thirty years of experience in the money management field. He also regularly teaches courses on accounting and income tax laws at Hofstra University and Brooklyn College, and through continuing education programs.

Table of Contents

Top 10 Personal Finance Tipsp. 10
Introductionp. 11
Setting Goals: Your Financial Road Mapp. 13
Why Financial Goals Are Importantp. 14
Calculating Net Worth: Your Financial Snapshotp. 14
Decide What You Want to Achievep. 17
Break It Downp. 18
Evaluating Your Progressp. 19
Educating Yourself about Money Mattersp. 20
Guilt-Free Budgetingp. 23
It's All about Attitudep. 24
Customizing Your Budgetp. 25
Set Spending Goals by Categoryp. 29
Monitor Your Progress Monthlyp. 30
Plug Any Spending Leaksp. 30
Personal-Finance Softwarep. 32
Stay Motivatedp. 33
The Secrets to Saving Moneyp. 35
The Magic of Compoundingp. 36
The Rule of 72p. 37
The Danger of Inflationp. 38
The Time Value of Moneyp. 39
Building an Emergency Fundp. 40
The Fun of Frugalityp. 40
Luxury Items and Loss of Valuep. 44
Banking Basicsp. 45
Choosing a Bank or Credit Unionp. 46
Online Bankingp. 47
Banking Costsp. 50
Overdraft Protectionp. 51
Automated Teller Machinesp. 52
Debit Cardsp. 54
Balance Your Checkbookp. 56
Best Places to Stash Your Cashp. 56
Credit Cards 101p. 59
The Good, the Bad, and the Uglyp. 60
What's Out Therep. 60
Choosing What's Best for Youp. 62
If You Have Damaged Creditp. 63
Using Credit Cards Wiselyp. 65
Pay It Off!p. 67
Protecting Yourself Against Lossesp. 68
The Credit CARD Act of 2009p. 70
Digging Out of Credit Card Debtp. 71
Your Credit Report and How It Worksp. 72
Paying Down Debt on Your Ownp. 75
Finance Companies and Bill-Paying Servicesp. 77
Transferring Credit Card Balancesp. 77
Borrowing from Your 401 (k)p. 78
Credit-Counseling Servicep. 79
Negotiating with Credit Card Companiesp. 80
Avoiding Credit-Repair Scamsp. 81
Other Credit Issuesp. 83
Installment, Secured, and Unsecured Loansp. 84
Creditors and Debt Collectorsp. 85
Filing for Bankruptcyp. 87
Chapter 13 Bankruptcy: Reorganizationp. 87
Chapter 7 Bankruptcy: Liquidationp. 89
Bankruptcy as a Debt Management Toolp. 91
Avoiding Financial Scams and Schemesp. 92
The Consumer Financial Protection Bureaup. 94
Living with Student Loansp. 96
Stafford Loansp. 97
Federal Perkins Loansp. 100
PLUS Loansp. 101
Keep Track of the Interest Ratesp. 102
Defaulting on Your Student Loanp. 103
Rehabilitating Your Defaulted Loanp. 104
Resolving Student Loan Disputesp. 105
Consolidating Your Student Loansp. 105
A Tax Breakp. 107
Income-Based Repayment Plansp. 107
Creative Financing for Your Childrenp. 108
Show Me the Money: Work and Careerp. 111
Choosing a Job with Potentialp. 112
Your Worth to an Employerp. 113
Negotiating Your Salary and Benefits Packagep. 113
Evaluating Your Employee Benefitsp. 114
Employee-Ownership Plansp. 116
Asking for a Raisep. 118
Losing Your Job Without Losing Your Shirtp. 120
So You Want to Be Your Own Boss?p. 122
The True Cost of Happinessp. 124
Moving On: Finding New Living Spacep. 125
Your Housing Optionsp. 126
Finding an Apartmentp. 126
Signing the Leasep. 128
Deposits and Other Chargesp. 129
Renting with Roommatesp. 131
Renters' Insurancep. 131
Cost of Living Differencesp. 133
Automotive Costs Related to Movingp. 133
Tax Issues Related to Movingp. 134
Buying a Homep. 136
Getting Ready for Home Ownershipp. 137
How Mortgages Workp. 138
Types of Mortgagesp. 139
Choosing the Best Mortgage for Youp. 143
The Home-Buying Processp. 144
Making and Negotiating the Purchasep. 147
Closing the Dealp. 148
Home Ownership Tax Savingsp. 149
Be Prepared for Other Expensesp. 150
Owning a Condop. 151
Owning a Co-Opp. 152
Living with a Mortgagep. 153
Planning Home Improvementsp. 154
Building a Homep. 156
Home-Equity Loans and Lines of Creditp. 157
Escrow Accountsp. 158
Refinancing Your Mortgagep. 159
Tax Deductibility of Mortgage Interestp. 162
Prepaying Your Mortgagep. 163
Facing Foreclosurep. 164
The Short Sale Alternativep. 165
Getting Deals on Wheelsp. 167
New or Used?p. 168
Paying for a New Carp. 169
What about Leasing?p. 170
Negotiating the Pricep. 173
The True Cost of Ownershipp. 174
Extended Warrantiesp. 175
Buying Credit Life Insurancep. 176
Marriage and Familyp. 178
Tying the Financial Knotp. 179
Do You Need a Prenuptial Agreement?p. 181
Planning an Affordable Weddingp. 182
What about the Marriage Tax Penalty?p. 183
Beneficiaries, Name Changes, and Willsp. 184
Planning for a Babyp. 184
Can You Afford to Stay Home?p. 186
Raising Financially Savvy Kidsp. 187
The Financial Impact of Divorcep. 188
Unwed but Not Unwisep. 192
Moving In Togetherp. 193
Nonmarital Agreementsp. 193
Common-Law Marriagesp. 196
Mingling Your Assetsp. 197
Buying a House Togetherp. 197
Sharing Expensesp. 199
Taxes for Unmarried Couplesp. 199
Other Issuesp. 201
Minimizing Income Taxesp. 202
Federal Income Taxes-the Basicsp. 203
Standard and Itemized Deductionsp. 206
Preparing Your Tax Returnp. 206
Hiring a Tax Accountant or Servicep. 208
Making Tax-Wise Financial Decisionsp. 210
Keeping Good Tax Recordsp. 211
Surviving an Auditp. 212
When You Can't Pay Your Taxesp. 214
Credits and Deductionsp. 216
Investing: Profits and Risksp. 219
The Big Picturep. 220
Investing in Stocksp. 224
Investing in Bondsp. 227
Mutual Fundsp. 230
Alternative Investmentsp. 234
Using a Financial Plannerp. 234
Sample Investment Allocationsp. 235
Investing in a Low Interest Rate Environmentp. 237
Retirement: Planning for Tomorrowp. 239
The Younger, the Betterp. 240
Defined-Benefit Plansp. 240
Defined-Contribution Plansp. 240
401(k) Plansp. 241
403(b) and 457 plansp. 244
Individual Retirement Accountsp. 245
Roth 401(k) and Roth 403(b)p. 248
Small Business Plansp. 249
Choosing the Right Investmentsp. 250
A Word on Social Securityp. 253
Insurance and Estate Planningp. 255
Life Insurancep. 256
Health Insurance and COBRAp. 259
Disability Insurancep. 265
Homeowner's and Auto Insurancep. 267
Other Types of Insurancep. 269
What Is Estate Planning?p. 270
Where There's a Will, There's a Wayp. 271
Durable Power of Attorney for Financesp. 274
Probate and Trustsp. 276
Estate Taxesp. 278
Living in a Postrecession Worldp. 279
Be a More Savvy Consumerp. 280
Institute a Savings Programp. 280
Investing in a Postrecession Worldp. 281
Keep Your Investment Decisions Simplep. 282
Glossary of Financial Termsp. 284
Internet Resourcesp. 289
Indexp. 296
Table of Contents provided by Ingram. All Rights Reserved.

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