5
1
The Everything Guide To Personal Finance For Single Mothers Book: A Step-by-step Plan for Achieving Financial Independence
304
by Susan Reynolds, Robert Bexton
Susan Reynolds
The Everything Guide To Personal Finance For Single Mothers Book: A Step-by-step Plan for Achieving Financial Independence
304
by Susan Reynolds, Robert Bexton
Susan Reynolds
Paperback
$26.99
-
PICK UP IN STORECheck Availability at Nearby Stores
Available within 2 business hours
Related collections and offers
26.99
In Stock
Overview
Are you a single mother who worries about your family's financial future? The Everything Guide to Personal Finance for Single Mothers has the savvy financial advice you really need. Packed with helpful tips and sound financial practices, this practical yet inspirational guide leads you on a step-by-step journey to financial independence and security. This guide features tools to help you: Assess current financial health; Set goals near and far; Narrow the wage gap; and conquer debt. From how to get out of debt, establish good credit, and qualify for a mortgage to opening a college fund, planning for retirement, and even starting your own business, The Everything Guide to Personal Finance for Single Mothers is the financial advisor you need to secure your future-and that of your children. Susan Reynolds is a journalist, author, businesswoman, and single mother who handles her own financial affairs, including managing her retirement fund. Robert A. Bexton, CFA, has been an investment analyst since 1999. Currently, he manages $70 million of clients' assets for Moirai Capital Management. He holds the prestigious Chartered Financial Analyst designation and earned a B.A. in Economics from UC Berkeley.
Product Details
ISBN-13: | 9781598692488 |
---|---|
Publisher: | Adams Media |
Publication date: | 04/12/2007 |
Series: | Everything� Series |
Pages: | 304 |
Product dimensions: | 8.00(w) x 10.00(h) x 0.80(d) |
About the Author
An Adams Media author.
An Adams Media author.
An Adams Media author.
Table of Contents
Top Ten Ways to Improve Your Finances x
Introduction xi
Single Mothers and Personal Finance 1
Everyone Needs a Personal Financial Plan 2
Your Feelings about Money 3
Surrender the Fairy Tale 4
How Money Myths Affect You 6
How Your Past Shapes Your Future 8
Divorcing Your Marital Habits 10
On Your Own...Again 13
Making Smart, Necessary, Immediate Decisions 14
Establishing Your Bottom Line 15
Making Long-Term, Calculated Decisions 16
Assuming Fiscal Responsibility 16
Keeping the Ex-Husband Accountable 19
A Healthy Foundation for New Relationships 20
Where You Want to Be: Setting Your Goals 25
Why Goals Are Important 26
What to Do First 27
How to Create Long-Term Goals 29
How to Create Short-Term Goals 32
How to Monitor Your Progress 36
Becoming Financially Literate 39
Learning the Lingo 40
Creating a Workable Budget 41
Calculating Your Net Worth 45
Consulting a FinancialAdvisor 46
Establishing Your Values and Trusting Your Instincts 49
Investment Clubs Versus Investing Solo 50
Banking and Short-Term Investing 53
What You Need to Know about Banking 54
Selecting a Bank 55
Controlling Your Finances 56
The Virtues of Short-Term Liquidity 57
The Virtues of Mid-Term Liquidity 61
Assessing and Conquering Your Debt 65
A Maxed-Out Economy 66
Good Debt Versus Bad Debt 66
Pros and Cons of Credit Cards 67
Avoid Department-Store Credit Cards 69
Create a Game Plan to Reduce Debt 70
Develop a Cash Mentality 74
Repairing Credit and Improving FICO Scores 75
Credit Reports Defined 76
Credit Report Errors 77
FICO Scores Defined 80
How to Improve Your FICO Score 85
When and How to Take Drastic Measures 86
Avoiding Identity Theft 89
Identity Theft Defined 90
How Does It Occur? 90
How to Protect Yourself 91
If Your Identity Has Been Stolen 95
Starting Your Own Business 97
Time to Start Your Own Business 98
Assessing Your Motives 100
Assessing Your Skills and Talents 101
Spotting Global and Regional Trends 102
Creating a Business Plan 104
Creating an Action Plan 109
Financing Your Business 110
The Pros and Cons of Franchises 112
Budgeting for Wealth 115
Mapping Out Your Real Situation 116
Establishing Concrete Savings and Investment Goals 119
Saving Early Can Make You Rich 122
Investment Goals Based on Age 123
Managing Income Property 128
Inheritances Can Make You Wealthy 129
Rules for Creating Wealth 130
Deciding Whether to Rent or Own 133
The Pros and Cons of Renting 134
The Pros and Cons of Home Ownership 135
All about Condos 136
Buying a Home 137
Using a Real Estate Agent 144
When You're Ready to Buy 145
How to Sell a Home 147
Buying a Car 149
Investing in Stocks and Mutual Funds 153
How to Establish Realistic Goals 154
The Virtues of Long-Term Investments 156
Mutual Funds 157
Variable Annuities 166
Individual Investing 166
DRIP Investing 166
Do Your Research 167
Protecting Your Assets 171
Why You Need Insurance 172
Health and Dental Insurance 172
Life Insurance 176
Home and Mortgage Insurance 179
Car Insurance 179
Disability, Long-Term Care, and Children's Life Insurance 181
How to Research Insurance Options 183
How to Find a Reputable Broker 184
Naming Guardians and Beneficiaries 184
Wills and Trusts 185
Affording Child Care 191
The Family and Medical Leave Act 192
Day Care Options and Their Costs 193
The Pros and Cons of Nannies Versus Au Pairs 197
The Pros and Cons of Day Care Centers 201
The Pros and Cons of Family Day Care Centers 203
How to Lower Child Care Costs 203
Funding College 205
Weighing Your Options 206
Coverdell Education Savings Accounts 207
Section 529 College Savings Plans 209
Custodial Accounts 214
Education Savings Bonds 215
Education Reward Programs 216
The Hope Credit 217
Lifetime Learning Credit 218
Federal Student Aid Programs 218
Other Ways to Maximize College Savings 221
Funding Your Retirement 223
Take Control of Your Retirement Savings 224
Tax-Advantaged Retirement Savings Accounts 225
Employer-Sponsored Defined-Contribution Retirement Plans 226
Alternate Employer-Sponsored Plans 231
Individual Retirement Plans 234
Self-Employed/Small-Business-Owner Retirement Plans 240
Maximizing Your Tax Advantages 245
Special Tax Breaks for Single Parents 246
Tax Deductions Versus Tax Credits 248
The Dependent Exemption 249
Child Tax Credits 251
Child Care and Dependent Care Tax Breaks 252
Health Care Tax Breaks 255
Ways to Maximize Your Tax Advantages 256
Teaching Your Children about Money 259
The Benefits of Starting Early 260
How to Develop a Wealth Consciousness 261
Why Allowances Must Be Earned 263
They're Never Too Young to Save 265
The Pros and Cons of Credit Cards for Kids 266
Using the Internet as a Teaching Tool 268
Living a Frugal Life 271
Changing Your Money Attitudes 272
When You Need to Spend Lavishly 273
When a Bargain Is Not a Bargain 274
Having Fun Without Spending Money 275
Concrete Ways to Foster Frugality 277
Other Fun Ways to Live a Fabulously Frugal Life 280
Avoiding Common Financial Mistakes 281
Face Reality and Make a Plan 282
Establish a Retirement Fund 282
Watch Those Deductions 283
Get in the Game! 284
Investing Pitfalls 285
Resources 287
Additional Reading 297
Index 301
From the B&N Reads Blog
Page 1 of