Talking Money : Everything You Need to Know about Your Finances and Your Future (Reprint)

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Talking Money : Everything You Need to Know about Your Finances and Your Future (Reprint)

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  • 製本 Paperback:紙装版/ペーパーバック版/ページ数 320 p.
  • 言語 ENG
  • 商品コード 9780446678100
  • DDC分類 332

Table of Contents

Introduction                                       xvii
Talking Goals 1 (16)
Setting Goals 6 (1)
The Wish List 6 (1)
Five Questions to Ask Yourself (and/or Your 7 (6)
Partner) About Your Goals
Challenge Your Goals 9 (1)
Frame Your Goals 10 (2)
Revisit Your Goals 12 (1)
You Can Do This! (Will You?) 13 (1)
Seven Ways to Make a Good Habit Stick 14 (3)
Talking Debt 17 (25)
Quick Quiz: How Debt Dependent Are You? 20 (2)
Debt Relief Plan No. 1 22 (3)
Debt Relief Plan No. 2 25 (2)
Debt Relief Plan No. 3 27 (3)
Five Questions to Ask About Your Credit 30 (2)
History
The Best Ways to Borrow 32 (7)
How to Pick a Credit Card 33 (2)
Five Questions to Ask Your Credit Card 35 (1)
Company
Finding the Best Deal on a Home Equity 36 (3)
Loan
The Fed Watch: What Happens to Your Debt 39 (3)
When Interest Rates Rise and Fall?
Talking Saving 42 (27)
Follow the Money 46 (6)
A List to Get You Started 48 (3)
Using Your Data to Spend Less, Save More 51 (1)
The One Very Best Way to Save (and Eight 52 (4)
Second-Place Alternatives)
Ten Ways to Add to Your Savings 56 (3)
Where Does All This Saving Get You? 59 (2)
Payoff No. 1: Security 59 (1)
Payoff No. 2: Freedom 60 (1)
Payoff No. 3: The Pleasure of Watching It 60 (1)
All Add Up
A Bank: The Best Holding Pen for Your 61 (2)
Dollars
Picking the Right Bank (and Bank Account) 63 (1)
for You
Five Questions to Ask Your Bank 64 (2)
Don't Hesitate: Automate 66 (3)
Talking Investing for Safety 69 (19)
What Is the Short Term? 72 (1)
The Short-Short Term: Up to Six Months 73 (5)
Money Market Accounts 74 (1)
Money Market Mutual Funds 75 (3)
Six Months to Two Years 78 (7)
U.S. Treasury Securities 79 (2)
Certificates of Deposit 81 (1)
Ultrashort and Short-Term Bond Funds 82 (3)
Three to Five Years 85 (3)
Balanced Mutual Funds 85 (3)
Talking Investing for Retirement and College 88 (38)
Your Goals: How Much Should You Be 89 (2)
Investing?
The Ballpark Estimate 91 (4)
The Four Keys to Making Your Money Grow 95 (3)
Buy and Hold 96 (1)
Don't Try to Time the Market! 96 (1)
Don't Hesitate: Automate 97 (1)
Keep Your Expenses Down 97 (1)
The Investment Triumvirate 98 (1)
Asset Allocation 101: Two Approaches 99 (1)
Investing Your Money: The Simple Route 100 (1)
Investing Your Money: The More Complicated 100 (1)
Route
Five Questions to Ask Before Buying a Stock 100 (3)
Five Questions to Ask Before Buying a 103 (2)
Mutual Fund
A Quick Bond Primer 105 (2)
Invest for Retirement Now; Pay the Taxes 107 (6)
Later
To: CEOs of the Home; Re: Spousal IRAs 111 (1)
Retirement Accounts for the Self-Employed 112 (1)
(Moonlighters: Listen Up!)
Retiring When You're a Step Behind 113 (1)
Investing for College as You Invest for 114 (2)
Yourself
Financial Aid: The Lowdown on Student 115 (1)
Loans
Where to Put Those College Dollars 116 (4)
What About the Rest of Your Money? Taxable 120 (1)
Accounts
Watching the Stock Market 120 (6)
The Five Indexes You Need to Understand 121 (1)
Monthly Data It Pays to Follow 122 (1)
The Soft Signals 123 (3)
Talking Insurance 126 (29)
Life Insurance 128 (11)
Worksheet: How Much Life Insurance Do You 129 (1)
Need?
What Kind of Life Insurance Is Right for 130 (4)
You?
So Which Is Better? Term or Permanent? Or 134 (2)
Both?
Getting a Good Deal 136 (2)
Five Questions to Ask Your Life Insurance 138 (1)
Company
Health Insurance 139 (3)
If You Have Health Insurance Through Your 140 (2)
Company
If You Don't Have Insurance Through Your 142 (1)
Company
Homeowners Insurance 142 (4)
Insuring the Structure 143 (1)
Insuring the Contents 144 (1)
Renters Insurance 145 (1)
How Do You Get the Best Rates? 145 (1)
Auto Insurance 146 (4)
How Do You Get the Best Rates? 148 (2)
Umbrella Liability Coverage 150 (1)
Disability Insurance 150 (2)
Long-Term Care Insurance 152 (3)
Talking About the Things You Don't Want to 155 (27)
Talk About (aka Talking Estate Planning)
The Musts: Estate Planning Basics You 158 (6)
Shouldn't Be Without
The Musts: A Will 159 (1)
The Musts: Picking Guardians 160 (1)
The Musts: Durable Power of Attorney for 161 (1)
Finances
The Musts: Medical Directives 162 (1)
The Musts: Schedule Regular Estate 163 (1)
Checkups
The Musts: Organize Your Important Papers 163 (1)
One Big Maybe: Living Trusts 164 (2)
Five Questions to Ask Your Attorney About 166 (1)
Estate Planning
Beyond the Musts: Estate Planning to Save 167 (10)
Taxes
Retitling Select Assets (Owning 169 (1)
Everything Jointly Is a Bad Idea)
Annual Gifts 170 (1)
Gifts Over $10,000 (Singles), 170 (1)
$20,000 (Couples)
Marital (Bypass) Trusts 171 (1)
Trusts for People Who've Been Married 172 (1)
More than Once
Insurance Trusts 172 (1)
Gifts to Charity 173 (1)
Charitable Trusts 173 (1)
Charitable Gift Annuities 174 (1)
Special Gifts from Grandparents Only 175 (2)
Managing an Inheritance 177 (2)
Giving It Away: Charitable Contributions 179 (3)
Four Things to Know Before You Contribute 179 (3)
Talking Real Estate 182 (30)
Buying a House: The Homeowner Plunge 184 (3)
Give Your Credit a Once-over 185 (1)
Do Some Independent Market Research 186 (1)
Why You Need a Real Estate Agent 187 (1)
Keep the Next Owner in Mind 188 (1)
Making Your Case 188 (1)
Making an Offer 189 (2)
Closing the Deal 191 (1)
Who's Representing You? 192 (4)
Five Questions to Ask Your Home Inspector 196 (1)
Paying for It: Getting a Great Mortgage Deal 197 (9)
Why Choosing a Loan Is Almost as Tough as 197 (1)
Choosing a House
How Quickly Will You Pay It Off? 198 (2)
How Large a Loan Do You Need? 200 (1)
Where to Shop? 200 (1)
Paying Points 201 (1)
Don't Forget Closing Costs 202 (1)
Get Your Paperwork in Order 202 (1)
Pulling the Trigger--Locking In 203 (1)
When Should I Consider Refinancing? 204 (1)
Five Questions to Ask Your Mortgage Broker 205 (1)
Moving On: The Best Way to Sell Your House 206 (3)
Get Your House in Shape 207 (1)
Do You Want to Use an Agent? 207 (1)
Going Solo 208 (1)
How About a Second Home? 209 (3)
Talking Spending 212 (23)
Avoiding Overspending 214 (4)
The Studied Approach 215 (1)
My Mother's Approach: The Four Golden 216 (2)
Rules of Shopping
Five Questions to Ask Yourself Before You 218 (1)
Buy Anything
Shopping on the Internet 219 (2)
Getting a Good Deal On:
Cars 221 (2)
Dining Out 223 (1)
Home Repair 224 (2)
Pets 226 (2)
Phone Service 228 (1)
Travel 229 (3)
Shut Up, Already: Financial Information to 232 (3)
Keep to Yourself
Talking Money with Your Investment Team 235 (25)
What Is a Financial Planner? 237 (1)
How Is Your Financial Planner Paid? 238 (1)
Fee-Only Planners 240 (1)
Commission-Only Planners 240 (1)
Fee-Based Planners 240 (1)
Wealth Managers 240
What Do Their Designations Mean? 239 (3)
Checking Up on Your Planner 242 (2)
What Do You Get for Your Money? 244 (1)
Five Questions to Ask a Financial Planner 245 (2)
Financial Counselors: Hand-holding in Money 247 (1)
101
Planners Specializing in Divorce 248 (1)
Choosing a Broker 249 (11)
Full Service Brokers 252 (1)
Discount Brokers 252 (2)
Deep Discount Brokers 254 (1)
Online Brokers 254 (6)
Talking Money with Your Family and Friends 260 (25)
Talking to Your Spouse (or Life Partner) 262 (6)
How to Start Talking 263 (1)
Merging Your Finances: Dos and Don'ts 264 (2)
The Prenup Question 266 (1)
Five Questions to Ask Your Spouse to Get 267 (1)
Your Goals in Sync
Talking to Your Parents 268 (5)
Five Questions to Ask Your Aging Parents 270 (1)
About Money
Financial Planning for the Seriously Ill 271 (2)
Talking to Your Kids 273 (5)
Ages Five to Twelve 275 (1)
The Teenage Years 276 (2)
Talking to Your Friends: Money Etiquette 278 (3)
The Lowdown on Tipping 281 (4)
Index 285