Easy Money

Subtitle:
How to Simplify Your Finances and Get What You Want Out of Life
Author:
Liz Pulliam Weston
Format:
Softcover

Now:R181.95
eBucks:eB1820

United States of America

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Easy Money

Short description

Award-winning personal finance columnist Weston introduces the "three pillars" of money simplification--consolidate, automate, and delegate--to alleviate money stress, reduce paper clutter, get records under control, and even safeguard finances against identity theft.

Long description

Today, individuals have to make more financial decisions than ever before. They must keep track of more details, too - about everything from retirement investments to credit cards to health insurance and the penalties for making mistakes just keep on escalating. But there's a solution! In Easy Money, award-winning personal finance columnist Liz Weston introduces the three pillars of money simplification --consolidate, automate, and delegate. Learn how to winnow down your choices, streamline financial systems, and select strategies that will work as simply and efficiently as possible. Weston offers up-to-the-minute advice on using technology to alleviate money stress (and warns against the technologies that can put individuals even further behind!) Discover practical tips for reducing paper clutter, getting records under control, and even safeguarding finances against identity theft. Along the way, Weston offers advice for simplifying every aspect of financial life: spending, credit cards, mortgages, college and retirement savings, insurance, estate planning, and a whole lot more.

Product details

Publisher:
FT Press
ISBN:
9780132383837
Publication date:
November 2007
Length:
228mm
Width:
161mm
Thickness:
15mm
Weight:
354g
Pages:
198
Illustrations:
Illustrated
Illustrated:
Illustrated

Table of contents

  • Introduction *1 - Setting Up Your Financial Life *Your Financial Toolkit *Sign Up for Online Access *Link Your Accounts *Allow Your Paycheck to Be Deposited Automatically *Set Up Overdraft Protection *Open at Least One High-Yield Savings Account That's Electronically Linked to Your Checking Account *Consolidate Your Accounts *Consider Two Checking Accounts *The Right Ways to Pay Your Bills *Know What You Owe *Set Up a Bill Calendar *Set Up Alerts *Consider Switching to E-Bills and E-Statements *Pay Your Bills Electronically *Build Your Control Panel *Account Aggregation 1.0 *Account Aggregation 2.0 *Account Consolidation *Excel Spreadsheets - *Set Up Your Command Center *Staying Up-to-Date *Your Checklist *2 - Take Charge of Your Spending *The 60 Percent Solution *The 50/30/20 Plan *How Do I Prioritize My Goals? *Couples and Money *Your Checklist *3 - Get the Most Out of Your Credit Cards *If You Carry a Balance *Zero Percent Jockeys *If You Pay Off Your Balance in Full Every Month *How to Find the Best Card(s) *Your Checklist *4 - The No-Sweat Guide to Retirement (and other) Investing *How to Manage Risk *Why Beating the Market Is So Tough *The Three Keys to Successful Investing *Use Low-Cost, Broad-Market Index Funds Wherever Possible *Include Bonds and Cash in the Mix - *Add a Dab of Real Estate *Rebalance Annually, but Otherwise Leave Your Investments Alone *Why Life-Cycle and Target Maturity Funds May Be the Answer *Which Account Do I Use? *Coordinating Your Approach *Getting Help *How Much Should I Save for Retirement? *Ballpark E$timateA (R) *As You Approach Retirement *Your Checklist *5 - The Easy Way to Save for College *Why 529 College Savings Plans Rock *Picking the Right College Savings Plan *Prepaid Tuition Plans *Your High School Game Plan *What to Do If You're Starting Late *Your Checklist *6 - Insurance: Protecting What You Have-And Will Have *Auto Insurance *Renters Insurance *Condo Owners Insurance *Homeowners Insurance *Umbrella Liability Policies *Health Insurance *Disability Insurance *Life Insurance *Your Checklist *7 - Buying Homes and Cars *When You're Ready to Buy a Home *The Home-Buying Timeline *One Year Before You Want to Buy: Get Your Credit Reports and FICO Credit Scores, Pay Down Toxic Debt, and Build Up Savings *Six Months Out: Review Your Mortgage Options, Start Calculating What You Can Afford, and Create Your New Budget *Three Months Out: Find a Good Real Estate Agent and Start Researching Neighborhoods *Two Months Out: Get Preapproved for a Mortgage and Start Touring *Picking the Right Mortgage *Adjustable-Rate Mortgages (ARMs) *Hybrid Mortgages *Interest-Only Mortgages *Option ARMs *15-Year Mortgages *40-Year Mortgages *Final Thoughts on Mortgages *The Smart Way to Buy Cars *Why We Overspend on Cars *What to Do if You've Already Overspent *Your Checklist *8 - When You Need Help *How to Find a Financial Planner *Insist on a CFP *Choose a Fee-Only Planner *Get Referrals *Ask Questions *Check Their Background *When You Need a Tax Pro *Working with an Estate Planning Attorney *Your Checklist *9 - Be a Savvy Shopper *Sites Worth Paying For *Price Comparison Sites *Internet Shopping 101 *Keep Your Defenses Up *Stick with Companies You Know *Review the Privacy Policy *Review the Return Policy *Look for the Padlock *Use a Credit Card but Don't Let the Site Keep It *Sites to Bookmark *Check for Coupons *When You're in the Market for Real Bargains *A Word about Price Guarantees *How to Be a Savvy Traveler *Be Loyal *Pick Your Site *Don't Stop Shopping *When Things Go Wrong *Know Your Rights *Understand the System *Don't Be a Diva *Know What You Want *Get to a Human-Fast *Know That the Company's Problems Are Not Your Problems *Enlist the Rep *Hang Up and Try Again *Don't Get Worn Down *Move Up the Ladder *Now's the Time to Mention Your Value *Get Help *Your Checklist *10 - Changing Your Uneasy Mind * The One Who Dies with the Most Toys Wins * We'd Be Fine If Our Income Was Just a Little Higher * I'll Never Have Enough * I'm Such a Loser
  • I'd Be So Much Farther Ahead If I Hadn't Made So Many Mistakes with Money * I'll Never Understand This Money Stuff * It's Not My Fault *Money and Your Brain *Your Checklist *11 - Setting Goals, Or What Are You Doing the Rest of Your Life? *Visualizing Your Ideal Life *Setting the Timer *The End Game *What It's All About *Resources and Recommendations *The Basics *College *Couples & Money *Credit & Debt *Estate Planning *Investing *Real Estate *Retirement *Savings Tips Index A A(c) Copyright Pearson Education. All rights reserved.

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Easy Money

Easy Money

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