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Take stock of your financial situation
From budgeting, saving, and reducing debt, to making timely investment choices and planning for the future, Personal Finance For Dummies provides fiscally conscious readers with the tools they need to take charge of their financial life.
This new edition includes coverage of an extensive new tax bill that took effect in 2018 and the impact on individuals, families, small businesses, and on real estate and investing decisions. Plus, it covers emerging investing interests like technology and global investing, cryptocurrencies, pot stocks, the lifestyle changes occurring with millennials, and more.
Evaluate and manage your financial fitness
Assess your credit report and improve your score
Make smart investments in any economic environment
Find out about international investing
The expert advice offered in Personal Finance For Dummies is for anyone looking to ensure that their finances are on the right track--and to identify the areas in which they can improve their financial strategies.
Auteur
Eric Tyson is an internationally acclaimed and bestselling personal finance book author, syndicated columnist, and speaker. He is also the author of Investing For Dummies, Personal Finance in Your 20s & 30s For Dummies and coauthor of Home Buying Kit For Dummies.
Texte du rabat
Find out what the new tax bill means for you Improve your personal finances From budgeting, saving, and reducing debt to making timely investment choices and planning for the future, this trusted book provides you with the tools you need to take charge of your financial life. Packed with Eric Tyson's bestselling, time-tested financial tips and advice, this latest edition offers critical information on the 2018 tax bill and its implications. It provides you with everything you need to get your personal finances in order in this ever-changing economic climate. Inside
Résumé
Take stock of your financial situation
From budgeting, saving, and reducing debt, to making timely investment choices and planning for the future, Personal Finance For Dummies provides fiscally conscious readers with the tools they need to take charge of their financial life.
This new edition includes coverage of an extensive new tax bill that took effect in 2018 and the impact on individuals, families, small businesses, and on real estate and investing decisions. Plus, it covers emerging investing interests like technology and global investing, cryptocurrencies, pot stocks, the lifestyle changes occurring with millennials, and more.
Contenu
Introduction 1
About This Book 2
Foolish Assumptions 3
Icons Used in This Book 3
Beyond the Book 4
Where to Go from Here 4
Part 1: Getting Started with Personal Finance 5
Chapter 1: Improving Your Financial Literacy 7
Talking Money at Home 8
Identifying Unreliable Sources of Information 10
Understanding the dangers of free financial content online 10
Recognizing fake financial gurus 11
Publishers pandering to advertisers 17
Jumping over Real and Imaginary Hurdles to Financial Success 18
Discovering what (or who) is holding you back 18
Developing good financial habits 19
Chapter 2: Measuring Your Financial Health 21
Avoiding Common Money Mistakes 22
Determining Your Financial Net Worth 24
Adding up your financial assets 24
Subtracting your financial liabilities 25
Crunching your numbers 26
Interpreting your net worth results 26
Examining Your Credit Score and Reports 27
Understanding what your credit data includes and means 27
Obtaining your credit reports and score 28
Improving your credit reports and score 29
Getting credit report errors corrected 30
Knowing the Difference between Bad Debt and Good Debt 32
Consuming your way to bad debt 33
Recognizing bad debt overload 33
Assessing good debt: Can you get too much? 35
Playing the credit-card float 35
Analyzing Your Savings 36
Evaluating Your Investment Knowledge 38
Assessing Your Insurance Savvy 39
Chapter 3: Managing Where Your Money Goes 41
Examining Overspending 42
Having access to credit 42
Misusing credit cards 43
Taking out car loans 43
Bending to outside influences and agendas 44
Spending to feel good 45
Analyzing Your Spending 45
Tracking spending the low-tech way 46
Tracking your spending on free websites and apps 51
Chapter 4: Establishing and Achieving Goals 53
Creating Your Own Definition of Wealth 53
Acknowledging what money can't buy 54
Managing the balancing act 54
Prioritizing Your Savings Goals 56
Knowing what's most important to you 57
Valuing retirement accounts 57
Dealing with competing goals 58
Building Emergency Reserves 59
Saving to Buy a Home or Business 60
Funding Kids' Educational Expenses 61
Saving for Big Purchases 61
Preparing for Retirement/Financial Independence 62
Figuring out what you need for retirement/financial independence 64
Understanding retirement building blocks 65
Crunching numbers for your retirement 69
Making up for lost time 71
Part 2: Spending Less, Saving More 73
Chapter 5: Dealing with Debt 75
Using Savings to Reduce Your Consumer Debt 76
Understanding how you gain 76
Finding the funds to pay down consumer debts 77
Decreasing Debt When You Lack Savings 78
Reducing your credit card's interest rate 78
Understanding all credit-card terms and conditions 79
Cutting up your credit cards 79
Discovering debit cards: The best of both worlds 80
Turning to Credit Counseling Agencies 82
Beware biased advice at credit counseling agencies 82
Ask questions and avoid debt management programs 83
Filing Bankruptcy 84
Understanding bankruptcy benefits 85
Coming to terms with bankruptcy drawbacks 86
Deciphering the bankruptcy laws 87
Choosing between Chapter 7 and 13 88 Seeking bankruptcy advice 89</p>...