- Cover
- Title Page
- Copyright
- Introduction
- Part 1: Getting Started with Personal Finance
- Chapter 1: Your Financial Checkup
- Calculating Your Financial Worth
- Grasping the Importance of Your Savings Rate
- Understanding and Improving Your Credit Score
- Comprehending Your Investment Options
- Examining Insurance Coverage
- Identifying Common Financial Mistakes Young Adults Make
- Chapter 2: Budgeting, Goal Setting, and Valuing Saving
- Developing a Savings Mindset
- What It’s Worth: Valuing Savings over Time
- Budgeting and Boosting Your Savings
- Setting and Prioritizing Your Savings Goals
- Saving When You’re Strapped
- Chapter 3: Using Loans and Paying Down Debts
- Eyeing the Causes of Generational Debt
- Making the Most of Loans
- Dealing With Student-Loan Debt
- Paying Off Consumer Debt
- Getting Help for Extreme Debt
- Preventing Consumer Debt Relapses
- Chapter 4: Everything Credit: Scores and Reports
- A Primer on Credit Reports and Credit Scores
- Getting Your Hands on Your Credit Reports and Scores
- Scrutinizing Your Credit Reports to Improve Them
- Preventing Identity Theft
- Part 2: Saving and Earning More
- Chapter 5: Proven Ways to Spend Less and Save More
- Containing Housing Costs
- Cutting Your Taxes
- Managing Food and Restaurant Spending
- Trimming Transportation Expenses
- Finessing Fashion Finances
- Relaxing on a Budget
- Taming Technology Spending
- Keeping Down Insurance Costs
- Getting Affordable and Quality Professional Advice
- Handling Healthcare Expenses
- Chapter 6: Taxes: Reduce Them When You Can!
- Understanding Taxable Income
- Comparing Marginal Taxes
- Changes from the Tax Cut and Jobs Act Bill
- Reducing Taxes on Work Income
- Increasing Your Deductions
- Lowering Investment Income Taxes
- Enlisting Education Tax Breaks
- Preparing Your Tax Return and Minimizing Your Taxes
- Chapter 7: Housing: Comparing Renting and Buying
- The Ins and Outs of Renting
- Figuring the Costs of Owning and Making It Happen Financially
- Finding the Right Property
- Working with Real-Estate Agents
- Financing Your Home
- Putting Your Deal Together
- Chapter 8: Relationships and Money
- Handling Roommates
- Living-Together Contracts
- Getting Married
- Understanding Your Money Beliefs and Practices
- Getting a Grip on Procrastination Where Money Is Concerned
- Chapter 9: Making the Most of Your Career
- Getting Your Career Going
- Exploring Entrepreneurial Options
- Changing Jobs or Careers
- The Young and the Unemployed
- Part 3: Investing for Your Future Goals
- Chapter 10: Successful Investing Principles
- Examining Bonds and Other Lending Investments
- Exploring Stocks, Real Estate, and Small-Business Investments
- Considering Options, Cryptocurrencies, and Other Hot Vehicles
- Getting a Handle on Investment Risks
- Spreading Your Investment Risks
- Selecting an Investment Firm
- Evaluating Pundits and Experts
- Chapter 11: Making the Best Use of Bank Accounts
- Looking at Different Types of Banks
- Understanding Your Bank Account Options
- Banking Online
- Considering Your Alternatives
- Chapter 12: Portfolios for a Purpose
- Before You Begin Investing
- Investing Nonretirement Account Money
- Investing Retirement Account Money
- Investing for Education
- Chapter 13: Real-Estate Investing
- Understanding Real-Estate Investment Pros and Cons
- Evaluating Simpler Real-Estate Investments
- Assessing Residential Housing Investments
- Investing in Commercial Real Estate
- Shunning Sure-to-Lose Real-Estate Investments
- Researching Where and What to Buy
- Digging for a Good Deal
- Part 4: Insurance: Protect Yourself, Your Loved Ones, and Your Assets
- Chapter 14: Taking Care with Health Insurance
- Making Sure You’re Covered
- Finding Your Best Health Plan
- Shopping for Health Insurance
- Health Savings Accounts: Tax Reduction for Healthcare Costs
- Chapter 15: Safeguarding Your Income
- Protecting Your Income for You and Yours: Disability Insurance
- Protecting Your Income for Dependents: Life Insurance
- Caring for Your Loved Ones: “Peace of Mind” Insurance
- Chapter 16: Home, Auto, Renter’s, and Other Insurance Policies
- Protecting Your Home and Possessions: Homeowner’s and Renter’s Insurance
- Insuring Your Car
- Avoiding Policies That Cover Small Possible Losses
- Part 5: Your Information Diet
- Chapter 17: Using Media Resources
- Going Online: The Wild West of Advice and Predictions
- Getting Financial Perspectives and Advice from the Media
- Chapter 18: Professionals You Hire
- Seeing the Value of Professional Advice
- Considering Financial Advisors
- Taming Your Taxes with Help
- Working with Real-Estate Agents
- Using Online Resources to Find Service Providers
- Part 6: The Part of Tens
- Chapter 19: 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
- Chapter 20: 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
- Chapter 21: Nearly Ten Things to Know about Apps
- You May Well Get What You Paid for with “Free” Apps
- Conduct and Manage Financial Tasks
- Use Apps Only from Legitimate Companies with Lengthy Track Records
- Consider the Alternatives to an App
- Keep Focused on Your Spending
- Settle up with Friends But Beware Fees
- Save Money on Commonly Purchased Items
- Tap into the Latest Economic and Financial Data
- Invest with Confidence
- Index
- About the Author
- Advertisement Page
- Connect with Dummies
- End User License Agreement
Part 5
Your Information Diet
IN THIS PART …
- Know which Internet, media, and other resources are worth your attention and which you should ignore.
- Hire a competent and ethical financial advisor and other professionals when needed.
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