Presenting a broad array of financial knowledge, this interesting, easily understandable book will aid students and young adults in achieving their desired levels of wealth, success, and overall financial and personal fulfillment. The recent global financial crisis was caused, at least in part, by the financial ignorance of many consumers. Many students and young adults in particular have never been taught the basics of financial planning. Yet, the earlier people move from financial illiteracy to literacy, the greater the benefits that will accumulate over time. As The Student's Guide to…mehr
Presenting a broad array of financial knowledge, this interesting, easily understandable book will aid students and young adults in achieving their desired levels of wealth, success, and overall financial and personal fulfillment. The recent global financial crisis was caused, at least in part, by the financial ignorance of many consumers. Many students and young adults in particular have never been taught the basics of financial planning. Yet, the earlier people move from financial illiteracy to literacy, the greater the benefits that will accumulate over time. As The Student's Guide to Financial Literacy makes clear, practices adopted in the early years of adulthood can have the most dramatic effect on a person's ultimate quality of life, level of success, and age of retirement. This book is designed to convey financial wisdom in terms that are easy to understand with suggestions that are easy to apply. Readers will learn about the importance of budgeting and saving, the compounding of money, and how to create a diversified portfolio of investments. Included is advice on buying a first home, the characteristics of good debt versus bad debt, insurance and tax planning, even choosing the right career.
Robert E. Lawless has held several executive level positions including senior vice president, chief financial officer and treasurer at several private and publicly traded companies owning and managing billions of dollars of real estate investments.
Inhaltsangabe
Introduction 1. The Value of an Education Targeting the Right Career Educational Costs Versus Benefits Paying for College Enhancing Your Marketability 2. The Importance of Savings The Wonders of Compounding Inflation Budgeting Automatic Savings Plans Buying Your First Home The Goal of Retirement 3. Investments Benchmarks and Indexes Bank Products Fixed Income Equities Mutual Funds Exchange Traded Funds Real Estate Alternative Investments Avoiding Investment Scams 4. Principals of Investing Risk Versus Return Diversification Active and Passive Investing Personal Investment Objectives Portfolio Allocation Examples Portfolio Rebalancing 5. Debt Good Debt Versus Bad Debt Other People's Money The Importance of Your Credit Score Preventing Identity Theft Credit Cards Key Financing Terms Consumer Product Loans Financing Your First Home Home Equity Loans 6. Tax Considerations Ordinary Versus Capital Gain Taxes The Time Value of Money Tax Deferral Tax Avoidance The Benefits of Retirement Accounts The Tax Geek 7. Insurance What Is Insurance? Liability Insurance Homeowners' Insurance Automobile Insurance Health Insurance Disability Insurance Life Insurance The Protection of an Umbrella Business Insurance A Cost Versus Benefit Analysis 8. The Entrepreneur The Big Idea Creating a Business Plan Finding Financing Protecting Your Investment 9. Economics The Economy Recessions and Depressions Budget Deficits and Surpluses Fiscal Policy Monetary Policy Foreign Currencies Booms and Busts Leading Economic Indicators Lagging Economic Indicators 10. The 10 Most Common Mistakes to Avoid Appendix: Household Budgeting Model Glossary Bibliography Index
Introduction 1. The Value of an Education Targeting the Right Career Educational Costs Versus Benefits Paying for College Enhancing Your Marketability 2. The Importance of Savings The Wonders of Compounding Inflation Budgeting Automatic Savings Plans Buying Your First Home The Goal of Retirement 3. Investments Benchmarks and Indexes Bank Products Fixed Income Equities Mutual Funds Exchange Traded Funds Real Estate Alternative Investments Avoiding Investment Scams 4. Principals of Investing Risk Versus Return Diversification Active and Passive Investing Personal Investment Objectives Portfolio Allocation Examples Portfolio Rebalancing 5. Debt Good Debt Versus Bad Debt Other People's Money The Importance of Your Credit Score Preventing Identity Theft Credit Cards Key Financing Terms Consumer Product Loans Financing Your First Home Home Equity Loans 6. Tax Considerations Ordinary Versus Capital Gain Taxes The Time Value of Money Tax Deferral Tax Avoidance The Benefits of Retirement Accounts The Tax Geek 7. Insurance What Is Insurance? Liability Insurance Homeowners' Insurance Automobile Insurance Health Insurance Disability Insurance Life Insurance The Protection of an Umbrella Business Insurance A Cost Versus Benefit Analysis 8. The Entrepreneur The Big Idea Creating a Business Plan Finding Financing Protecting Your Investment 9. Economics The Economy Recessions and Depressions Budget Deficits and Surpluses Fiscal Policy Monetary Policy Foreign Currencies Booms and Busts Leading Economic Indicators Lagging Economic Indicators 10. The 10 Most Common Mistakes to Avoid Appendix: Household Budgeting Model Glossary Bibliography Index
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