By Ted Benna, Stephen R. Bucci, James P. Caher
ISBN-10: 0470345462
ISBN-13: 9780470345467
From the again disguise **Get a deal with on yourmoney and take chargeof your monetary future!** are looking to take keep watch over of your funds as soon as and for all? This easy-to-understand advisor combines professional funds administration recommendation with own finance advice. From charge cards and assurance to taxes, making an investment, retirement, and extra, seven minibooks enable you to increase your dating with funds — irrespective of your age or level of lifestyles. * verify your monetary state of affairs — calculate debt, organize the cheap, trim spending, strengthen source of revenue, and enhance your credit * Run a money-smart loved ones — store on utilities, decrease waste, and lower scientific and transportation expenditures * take on your debt head-on — consolidate your debt, negotiate with collectors, and get expert support * store and make investments properly — enhance stable saving behavior, weigh your funding recommendations, shop for school or retirement, and alternate on-line * shield your funds and resources — wrestle id robbery, behavior on-line banking, and make certain your house, automobile, and lifestyles coverage wishes * confirm a snug retirement — from 401(k)s to IRAs to opposite mortgages, deal with your funds and maximize your go back * Plan your property and may — arrange and protect a will or belief, paintings with planners and lawyers, and look after getting older mom and dad **Open the publication and find:** * how one can shrink on bills * the best way to opt for the fitting personal loan — and steer clear of foreclosures * counsel for decreasing your taxes * recommendations for paying down debt * confirmed funding recommendation * how you can pay for school * the professionals and cons of financial ruin * advice in handling your funds on-line
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Extra resources for Managing Your Money All-In-One for Dummies
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A tax lien sticks around until you pay it. For more detailed information about credit reporting, including advice on understanding your credit reports and correcting problems in them, pick up a copy of Credit Repair Kit For Dummies, by Steve Bucci (Wiley). Finding Out Your FICO Score A growing number of creditors, as well as insurance companies, employers, and landlords, use something called a FICO score together with (or even instead of) your credit history to make decisions about you. Your FICO score is a numeric representation of your creditworthiness and is derived from your credit history information.
10 Book I: Taking Charge of Your Finances Some Preliminary Questions You can get a rough sense of your debt problem by honestly answering the following questions. The more “yes” answers, the more work you have to do. ߜ Are you clueless about how much you owe your creditors? ߜ Over time, is a growing percentage of your household income going toward paying your debts? ߜ Do you ever pay your bills late because you don’t have enough money? ߜ Have you stopped paying some of your debts? ߜ Are you paying only the minimum due on some of your credit cards because you can’t afford to pay more?
How much of my income do I save each month, and what sort of system do I use for saving money? ߜ What is my philosophy about financially assisting elderly, disabled, or cash-strapped relatives? ߜ Do I want (or want my spouse) to stay home after we have children? ߜ Is tithing or regular philanthropic giving important to me? ߜ How far in debt can I go and still feel comfortable? You may well find that your significant other is a spendthrift and you’re a miser or vice versa — opposites tend to attract each other.