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Your Financial Action Plan : 12 Simple Steps to Achieve Money Success - G. Cotter Cunningham

Your Financial Action Plan

12 Simple Steps to Achieve Money Success

Hardcover

Published: 24th September 2004
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An action plan for financial literacy and security Your Financial Action Plan offers a 12-step self-analysis guide for readers to determine how financially literate they are, and then provides 12 simple steps to help them forge the financial future they desire. Financial knowledge means financial power, and in Your Financial Action Plan, readers will be introduced to important personal financial issues including debt, mortgages, insurance, taxes, and much more. Filled with practical guidance and extensive expertise that only Bankrate could provide, Your Financial Action Plan will help readers avoid costly mistakes by helping them close the gap between knowing and executing financially sound strategies. While three out of five Americans believe they are in control of their personal finances, that same number of people actually haven't a clue how much life, auto, or health care insurance they should carry. According to the Roper Survey on Financial Literacy commissioned by Bankrate last year, people deal with personal finance similarly to the way they deal with dieting--they often know what they should do, yet there is a disconnect when it comes to actually following through, causing every American to lose an estimated USD5,000 every year. Your Financial Action Plan compels consumers to confront issues such as creating a will, building a savings nest egg for rainy days, and making and sticking to a monthly budget.

Acknowledgments vii

Foreword ix

Introduction xi

Chapter 1: Rainy Day Funds and Sunny Day Savings 1

Prepare for an Emergency

Understand Asset Allocation

Build a Financial Plan

Chapter 2: Bills and Chills 11

Gain Control of Your Expenditures

Chapter 3: Budget Bingo 15

Create a Comfortable Budget

Recognize Shopping Pitfalls

Chapter 4: Hanging It Up 25

Build Your Retirement Savings

Understanding 401(k)s, Defined Benefit Plans,

Social Security, IRAs, and Other Pension Plans

Chapter 5: Bank On It 41

Check Up on Your Bank

Know What Records to Keep and Where to Keep Them

Chapter 6: Willing It 45

Decide Who Gets What

How to Give It to Them

A Look at the Deadly Business of Funerals

Chapter 7: Got Insurance? 51

Disability Insurance: The Gory Details

Life Insurance: How Much Do You Need?

Other Insurance You Need?or Not

Chapter 8: Driving Mr. Washington 63

Lease or Buy?

Showroom Errors

Insure Your Wheels

Chapter 9: Take Credit?Carefully 73

Borrow Responsibly

Understand Your Credit Report

Chapter 10: Dealing with Debt 85

Borrowing Responsibly

Credit Card Bill of Rights

Chapter 11: April 15 Blues 93

Manage Your Withholding Better

Use Tax Deductions and Credits

Chapter 12: This Old House 109

Should You Buy?

Create a Realistic Budget for Homeownership

Make the Most of Your Mortgage

Afterword: 12 Steps to Money Success 125

Appendix: Bankrate Form Letters 127

Glossary 173

About the Author 193

Index 195

ISBN: 9780471650300
ISBN-10: 0471650307
Audience: General
Format: Hardcover
Language: English
Number Of Pages: 224
Published: 24th September 2004
Country of Publication: US
Dimensions (cm): 23.7 x 16.05  x 2.04
Weight (kg): 0.39
Edition Number: 1