One Year to an Organized Life: From Your Closets to Your Finances, the Week-by-Week Guide to Getting Completely Organized for Good

One Year to an Organized Life: From Your Closets to Your Finances, the Week-by-Week Guide to Getting Completely Organized for Good Review

The organized way to get organized: a week-by-week plan to forever streamline all aspects of your life.

Who would you be if you felt at peace and had more time and money? An organized life enables you to have more freedom, less aggravation, better health, and to get more done. For nearly twenty years, Regina Leeds--named Best Organizer by Los Angeles magazine--has helped even the messiest turn their lives around. Anyone can get organized--she'll prove it to you! One Year to an Organized Life is a unique week-by-week approach that you can begin at any time of year. Regina helps you break down tasks and build routines over time so that life becomes simple, not overwhelming.

* Master time management
* Make your kitchen efficient
* Permanently organize closets and drawers
* Deal with your finances
* Reclaim "dumping grounds" like the guest room, garage and basement
* Declutter the kids' rooms
* Organize your travel plans--and the vacation photos and souvenirs
* Entertain with joy

Regina reveals her magic formula for organizing anything, plus her method to stop the chronic cycles of clutter, misplaced items, and lateness. Whether you're living in chaos or just looking for new ways to simplify, this essential book will help you get the whole household organized--and stay that way.

The Handy Personal Finance Answer Book (The Handy Answer Book Series)

The Handy Personal Finance Answer Book (The Handy Answer Book Series) Review

Combining the most current data with a user-friendly format, this timely reference features more than 1,000 answers to questions on personal finance, its history, and managing one's financial life. Providing financial lessons in a fun, approachable way, the book avoids financial jargon and offers facts for everyday life that help readers save money. Questions range from simple to complex—How do I balance my check book?Why do people like to use online banks, and how popular is their use?What is a 401K plan? With financial information suitable for a wide range of ages, this is an ideal source for anyone looking to get a better understanding of personal finances.

Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy

Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy Review

A user-friendly presentation of the essential concepts and tools for calculating real costs and profits in personal finance

Understanding the Mathematics of Personal Finance explains how mathematics, a simple calculator, and basic computer spreadsheets can be used to break down and understand even the most complex loan structures. In an easy-to-follow style, the book clearly explains the workings of basic financial calculations, captures the concepts behind loans and interest in a step-by-step manner, and details how these steps can be implemented for practical purposes. Rather than simply providing investment and borrowing strategies, the author successfully equips readers with the skills needed to make accurate and effective decisions in all aspects of personal finance ventures, including mortgages, annuities, life insurance, and credit card debt.

The book begins with a primer on mathematics, covering the basics of arithmetic operations and notations, and proceeds to explore the concepts of interest, simple interest, and compound interest. Subsequent chapters illustrate the application of these concepts to common types of personal finance exchanges, including:

• Loan amortization and savings

• Mortgages, reverse mortgages, and viatical settlements

• Prepayment penalties

• Credit cards

The book provides readers with the tools needed to calculate real costs and profits using various financial instruments. Mathematically inclined readers will enjoy the inclusion of mathematical derivations, but these sections are visually distinct from the text and can be skipped without the loss of content or complete understanding of the material. In addition, references to online calculators and instructions for building the calculations involved in a spreadsheet are provided. Furthermore, a related Web site features additional problem sets, the spreadsheet calculators that are referenced and used throughout the book, and links to various other financial calculators.

Understanding the Mathematics of Personal Finance is an excellent book for finance courses at the undergraduate level. It is also an essential reference for individuals who are interested in learning how to make effective financial decisions in their everyday lives.

Personal Investing: The Missing Manual (Missing Manuals)

Personal Investing: The Missing Manual (Missing Manuals) Review

Personal Investing: The Missing Manual (Missing Manuals) Feature

• ISBN13: 9781449381783
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

Did your investments take a hit in the recession? You're not alone. Between 2007 and mid-year 2009, the average 401K lost 31% of its value. Ouch. It's time to take control of your investments with Personal Investing: The Missing Manual. Financial experts agree that with the right guidance, consumers can make investments better than many professionals. This lively and easy-to-understand guide gives you the confidence, tools, and insight you need to evaluate financial products and make smart investments that target success over the long term.

You'll learn how to set long-term goals for critical, high-cost events such as retirement, your children's education, and future health care needs. Then you'll learn what types of investments will best help you achieve those goals. In step-by-step fashion, this book shows you how to research mutual funds, stocks, bonds, and other financial products to create a portfolio of diversified investments.

• Get crystal-clear, practical advice from personal finance expert Bonnie Biafore, author of Missing Manuals on the Quicken personal-finance program and QuickBooks business finance program
• Understand why you need to invest -- Biafore shows you how savings accounts simply won't outpace inflation or give you the returns you need for long-term goals
• Learn how to evaluate and buy traditional investments, such as stocks, bonds, and mutual funds
• Discover lesser-known investments, such as index funds and exchange-traded funds, which cost you less and provide more tax advantages
• Choose the best funds offered by your employer for your 401K, and learn how to get the greatest tax advantages

How Investing Makes Your Money Work Harder

With inflation’s 3.41% price increases compounding year after year, figuring your expenses produces some galactic numbers. Sadly, you can’t choose whether to accept the compounding of inflation. But what if you could use compounding to inflate the money you save? It turns out that you can, by investing your money and reinvesting all your earnings. You can choose the compounding of the returns you earn on your money, so it’s important to understand just how powerful this strategy is. True, investment returns aren’t as steady as the inflation rate. Some years are better than others, and some years are downright dogs. But for now, assume that your investments increase 7% each year (that’s the return most financial planners tell their clients they can expect on a diversified investment portfolio). Say you seed a retirement account with ,000, as the table below shows. If you earn 7% the first year, you’ll have ,700 at the end of the year. The second year, you earn 9 (7% on ,700) and end up with ,449. If you earn 7% each year for 40 years (from the time you start working until you retire), you’d have almost 0,000! That’s 0,000 of earnings on a single ,000 investment.



On the other hand, what if you invested ,000 and earned 7%, but withdrew each year’s earnings? (That return is called simple interest, because you earn the same amount on your original investment each year.) You’d earn 0 each year for 40 years, for total earnings of ,000 on your original ,000 investment. By letting your investment returns compound, your total earnings are five times what you’d earn with simple interest. The graph below shows how your nest egg grows like wildfire when you let your earnings compound.



Compounding is a powerful force, even when the rate is small, as you’ve seen with inflation. But this technique really shines when you earn higher returns, like the 7% from a diversified portfolio, and give your portfolio time to mature. The graph below shows how a ,000 nest egg grows when you put your money in diversified investments, bonds, money market funds, and savings accounts. Compare the line for inflation to see how investing can help you beat the steady rise in prices. You can see how investments start to take off after 15 years. That’s compounding at work, and that’s why it’s important to start investing for long-term goals as early as you can.



Investing for the Long Term

Although well-diversified investing works like magic when you give it time, it doesn’t make sense for short-term goals. That’s because you have to accept some risk to earn higher returns. Investments in the stock market can decrease during a single year--and do so every several years. The good news is that the risk of losing money decreases the longer you keep your money invested (think decades). During recessions, the stock market can really tank, like the almost 50% drop it suffered in 2001. You wouldn’t want to see half your nest egg go away the year before you retire. However, since 1929, the average annual return on stocks is more than 11% despite battering from the Great Depression and several recessions. Besides, a diversified portfolio isn’t invested solely in the stock market, as you’ll learn in Chapter 9. By investing in stocks, bonds, and real estate, you won’t see drops as big as the ones for stocks alone. Chapters 9, 10, and 11 also tell you how to move money that you need in the next few years into ultrasafe savings so it’s around when you need it. Lots of folks would rather be certain of having a small amount of money than worry about whether a large nest egg might falter right when they need it. You might think that putting money into a guaranteed money market account means you won’t lose money. Think again. If your money doesn’t keep up with inflation, you lose buying power, which is the same as losing money.

I Will Teach You To Be Rich

I Will Teach You To Be Rich Review

At last, for a generation that's materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi's 6-week personal finance program for 20-to-35-year-olds. A completely practical approach delivered with a nonjudgmental style that makes readers want to do what Sethi says, it is based around the four pillars of personal finance— banking, saving, budgeting, and investing—and the wealth-building ideas of personal entrepreneurship.

Sethi covers how to save time by not wasting it managing money; the guns and cars myth of credit cards; how to negotiate like an Indian—the conversation begins with "no"; why "Budgeting Doesn't Have to Suck!"; how to get things rolling—for real—with only ; what most people don't understand about taxes; how to get a CEO to take you out to lunch; how to avoid the Super Mario Brothers trap by making your savings work harder than you do; the difference between cheap and frugal; the hidden relationship between money and food. Not to mention his first key lesson: Getting started is more important than being the smartest person in the room. Integrated with his website, where readers can use interactive charts, follow up on the latest information, and join the community, it is a hip blueprint to building wealth and financial security.

Every month, 175,000 unique visitors come to Ramit Sethi's website, Iwillteachyoutoberich.com, to discover the path to financial freedom. They praise him thoughtfully ("Your site summarizes everything I want with my life—to be rich in finances, rich in experience, rich in family blessings," Dan Esparza) and effusively ("Dude, you rock. I love this site!" Richard Wu). The press has caught on, too: "Ramit Sethi is a rising star in the world of personal finance writing . . . one singularly attuned to the sensibilities of his generation. his style is part frat boy and part silicon Valley geek, with a little bit of San Francisco hipster thrown in" (San Francisco Chronicle). His writing is smart, his voice is full of attitude, and his ideas are uncommonly sound and refreshingly hype-free.

Personal Finance For People Who Hate Personal Finance

Personal Finance For People Who Hate Personal Finance Review

Some of the top writers in Personal Finance have contributed to this eBook, including my business partner, Gregory Bresiger (his articles have appeared in the New York Business Post and he has been a writer for Financial Advisor Magazine and Financial Planner Magazine)
This book will help you easily understand the complexities of finance and lift the burden and stress that comes with not having your personal finances in check. No matter your age, background or financial situation, we guarantee that your financial goals will seem closer to reality after reading this eBook, as we lay out the guide-lines that will lead you on the path to financial freedom.
Some of the key topics covered in this eBook are:

MODERN PORTFOLIO THEORY:
- A simple strategy for creating a portfolio
- How to get good by practicing with a mock portfolio

FINANCIAL ADVISERS:
- How To select the right adviser for you
- The different types of advisers
- How to avoid financial con-artists

RETIREMENT PLANNING:
- A critical retirement planning decision
- Retirement Planning for those who think their retirement is a lost cause

INVESTING:
- Knowing the difference between Stocks, Bonds & others
- Alternative Investment Opportunities

PLUS:

- SMART SPENDING & SAVING
- HOW TO TAKE CHARGE OF YOUR INDIVIDUAL HEALTH INSURANCE
- SECRETS OF INEXPENSIVE CAR INSURANCE

& More

The Only Investment Guide You'll Ever Need

The Only Investment Guide You'll Ever Need Review

For more than twenty-five years, The Only Investment Guide You'll Ever Need has been America's favorite finance guide, winning the allegiance of more than a million readers across the country. Now this indispensable book has been fully revised and updated-covering all the new tax laws-and reorganized with a new user-friendly design. Concise, witty, and truly understandable, Andrew Tobias shows you how to use your money to your best advantage-no matter how much or how little you have.
o How to spend smarter-and save ,000 or more
o When to invest in stocks, and how
o The ins and outs of investing on the Internet
o Tax strategies, from tuition to retirement
o Whom-if anyone-you can trust to manage your money
and much, much more




How to spend smarter--and save ,000 or more
When to invest in stocks, and how
The ins and outs of investing on the Internet
Tax strategies, from tuition to retirement
The basics of life insurance
Who--if anyone--you can trust to manage your money
The inside skinny on annuities, real estate, and Social Security

and much, much more

Saving for Retirement without Living Like a Pauper or Winning the Lottery

Saving for Retirement without Living Like a Pauper or Winning the Lottery Review

Award-winning personal finance columnist read by millions of people each week

 

The Incredibly Simple, Step-by-Step Guide to Investing Money for Your Future!

 

“A cover-to-cover must-read for everyone 16 to 60 who wants to live the American Dream. The earlier we choosetosave^®, the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here.” 

–Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org)

 

“Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!”

–Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score

 

“This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire–without living on canned food or buying lottery tickets–if you follow Gail’s realistic strategies for saving, investing, and ultimately spending money in retirement.”

–Susan Tompor, Detroit Free Press

 

“You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I’m thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph.”

–John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power

 

 

Drawn from responses to questions from over 20,000 readers of the author’s personal finance columns.

 

Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it’s never been clearer what you need to do and how to do it. 

 

Don’t wait another day! Discover…

 

• How much you’ll need and how to get there…even if you’ve fallen behind
• Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money
• How to harness the money-making power of the stock market
• How to pick the right mutual funds confidently with simple strategies and specific recommendations
• Incredibly easy, safe investing strategies based on professional money-management techniques
• "Gimmick-free" investing shortcuts that won’t backfire on you
• How to keep debt from making you poor
• How to get reliable help if you need it…and avoid incompetents or scam artists
• How the new 2006 pension laws affect you

 

MarksJarvis eliminates the insider jargon, confusion, and math…takes the mystery out of the stock market…simplifies investing techniques…answers all your questions…clears away every obstacle in your way so you make money without taking foolish risks.  She’s already done it for millions, in the nation’s top newspapers and most popular financial radio and TV shows. Now, she’ll do it for you, too!

 

Introduction

1             Start Investing Early, or Start Now  1

2             Know What You'll Need  9

3             Savings on Steroids: Use a 401(k) and an IRA  39

4             An IRA—Every American’s Treasure Trove  59

5             IRA Decisions: How to Start, Where to Go  65

6             Why the Stock Market Isn't a Roulette Wheel  89

7             What's a Mutual Fund?  105

8             Making Sense of Wacky Mutual Fund Names  115

9             Know Your Mutual Fund Manager's Job  127

10           The Only Way that Works: Asset Allocation  151

11           Do This  163

12           How to Pick Mutual Funds: Bargain Shop  181

13           Index Funds: Get What You Pay For  189

14           Simple Does It: No-Brainer Investing with Target-Date Funds  209

15           Do You Need a Financial Adviser?  219

Index  229

 

You Can Make Money on the Stock Market: Your Personal Investment Guide

You Can Make Money on the Stock Market: Your Personal Investment Guide Review

2010 Reprint of the 1955 edition. This book is designed for the lay investor and especially for the man who has limited capital. Emphasis is put on timing and value. Nicholas Darvas, Author of the bestselling How I Made 2,000,000 in the Stock Market cites Mann's book as essential reading.

Clark Howard's Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter, and Save Money

Clark Howard's Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter, and Save Money Review

Clark Howard is a media powerhouse and penny-pincher extraordinaire who knows a thing or two about money. A lifelong entrepreneur who is now the hugely popular host of a talk radio program and television show and the bestselling author of several books, Clark consistently delivers expert financial advice to his wide and devoted fan base.

Living Large in Lean Times is Clark's ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. Chock-full of more than 250 invaluable tips, the book outlines how to:

• Locate missing and unclaimed money in your name
• Lower your student loan payment
• Find legitimate work-at-home opportunities
• Get unlimited texting and e-mailing for less than per month
• Know what personal info not to post to social media sites
• Determine the best mortgage rate, and much, much more

  As Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he'll get you there.

The Wall Street Journal Guide to the New Rules of Personal Finance: Essential Strategies for Saving, Investing, and Building a Portfolio in a World Turned Upside Down

The Wall Street Journal Guide to the New Rules of Personal Finance: Essential Strategies for Saving, Investing, and Building a Portfolio in a World Turned Upside Down Review

Everything you thought you knew about saving, managing risk, and securing your financial future has changed.

The world is very different in the wake of the biggest financial crisis since the Great Depression. Retirement accounts have been eviscerated, risk appetites diminished, and questions raised about age-old personal finance strategies such as "buy and hold" and the efficacy of relying heavily on stock mutual funds.

In The Wall Street Journal Guide to the New Rules of Personal Finance, Dave Kansas offers guidelines for understanding the new regulations for finance firms, the rising importance of international investing, and the very different environment that now exists for home buyers. With valuable chapters on debt reduction, diversification, retirement planning, real estate, commodities, and other vital topics, this essential volume is designed to help the individual determine which tenets of an investing strategy remain sound and which deserve re-examination. It is the ultimate guide to profitably investing your money in a world that has fundamentally changed.

The Everything Personal Finance in Your 40s and 50s Book: A comprehensive strategy to ensure you can retire when you want and live well (Everything Series)

The Everything Personal Finance in Your 40s and 50s Book: A comprehensive strategy to ensure you can retire when you want and live well (Everything Series) Review

Every day, more than 10,000 people turn forty in the United States, moving toward retirement without traditional pension plans backing them up. Lacking the safety net that protected their parents and grandparents, they’re forced to take the initiative for their own financial security. They need a source of information that doesn’t scare them away with insider jargon and intimidating complications. This book will help those who have felt uninformed, intimidated, or excluded from the process, and will simplify difficult topics like budgeting, investing, paying for college while saving for retirement, and helping kids with debt. People will find the essential tools and resources they need to set a course toward retirement and security at this critical stage in life.

The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs

The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs Review

The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs Feature

• ISBN13: 9780307453662
• Condition: New
• Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!

This is a book for people like us, and we all know who we are.
 
We make our own hours, keep our own profits, chart our own way. We have things like gigs, contracts, clients, and assignments.  All of us are working toward our dreams: doing our own work, on our own time, on our own terms. We have no real boss, no corporate nameplate, no cubicle of our very own. Unfortunately, we also have no 401(k)s and no one matching them, no benefits package, and no one collecting our taxes until April 15th.
 
It’s time to take stock of where you are and where you want to be. Ask yourself: Who is planning for your retirement? Who covers your expenses when clients flake out and checks are late? Who is setting money aside for your taxes? Who is responsible for your health insurance?
 
Take a good look in the mirror: You are.
 
The Money Book for Freelancers, Part-Timers, and the Self-Employed describes a completely new, comprehensive system for earning, spending, saving, and surviving as an independent worker. From interviews with financial experts to anecdotes from real-life freelancers, plus handy charts and graphs to help you visualize key concepts, you’ll learn about topics including:
 
• Managing Cash Flow When the Cash Isn’t Flowing Your Way
• Getting Real About What You’re Really Earning
• Tools for Getting Out of Debt and Into Financial Security
• Saving Consistently When You Earn Irregularly
• What To Do When a Client’s Check Doesn’t Come In
• Health Savings Accounts and How To Use Them
• Planning for Retirement, Taxes and Dreams—All On Your Own

Personal Finance For Seniors For Dummies

Personal Finance For Seniors For Dummies Review

The fast and easy way for Baby Boomers to protect their financial future

Are you nearing (or already basking in) retirement? This helpful guide addresses the unique financial opportunities and challenges you'll face as you enter your golden years.

Personal Finance For Seniors For Dummies empowers you to chart your financial course for the decades to come, guiding you through the basics of creating a budget for retirement, investing accrued assets, taking advantage of governmental and nongovernmental benefits and planning for your family's future. You'll get trusted, practical information on reexamining investment strategies and rebalancing a portfolio, long-term care options, pension plans and social security, health care, Medicare, and prescription drug costs, and so much more.

• Advice on how to invest, spend, and protect your wealth
• Guidance on wills and trusts
• Other titles by Tyson: Personal Finance For Dummies, Investing For Dummies, and Home Buying For Dummies

Personal Finance For Seniors For Dummies is basic enough to help novices get their arms around thorny financial issues, while also challenging advanced readers to identify areas for improvement.