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The money class : learn to create your new American dream
Orman, Suze.
Adult Nonfiction 332.024 O 2011
Orman, Suze.
Adult Nonfiction 332.024 O 2011
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| Contents | Page |
|---|---|
| How to Enter The Classroom | p. xv |
| Class 1 - The New American Dream | p. 3 |
| Making Change | |
| The Dreams of Tomorrow Reside in Today's Choices | |
| The Money Class Curriculum | |
| Class 2 - Stand In Your Truth | p. 11 |
| Lesson 1 - Finding Your Truth: A Personal Financial Accounting | p. 13 |
| Lesson 2 - Living Truthfully: How To Stand Tall In Your Reality | p. 15 |
| Focus on What Is Real Today... and What You Will Need Tomorrow | |
| Live Below Your Means but Within Your Needs | |
| The Pleasure of Saving Is Equal to the Pleasure of Spending | |
| Define Yourself by Who You Are, Not What You Have | |
| Lesson 3 - The Foundation Of All Truthful Living: The Power Of Cash | p. 21 |
| Debit Card Rules | |
| The "Life Happens" Fund | |
| Credit Unions: A Great Place to Save | |
| Safety First with Your Savings | |
| Saving for Big-Ticket Items | |
| The Truth Will Indeed Set You Free | |
| Class 3 - Family | p. 28 |
| Lesson 1 - How to Build Honest Family Relations | p. 31 |
| Opening the Lines of Communication | |
| Lesson 2 - How To Raise Young Children To Stand In The Truth | p. 34 |
| Your Priceless Legacy | |
| Set the Right Tone | |
| Imparting Good Values When It Comes to Money | |
| Money Lessons for Children | |
| Money Lessons for Tweens and Teens | |
| Money Lessons for Teenagers Heading to College | |
| How to Handle Money Gifts and Savings | |
| The Three-Option Approach | |
| Lesson 3 - How To Create a Financially Honest College Strategy | p. 48 |
| Who Should Save for College | |
| The Best Way to Save for College: 529 Plans | |
| UGMA/UTMA | |
| Coverdell Accounts | |
| How to Invest Your 529 Plan | |
| The College Talk Every Parent Must Have with a High School Freshman | |
| Borrowing Rules for College Loans | |
| The Risks of Private Loans for College | |
| Stafford Loans | |
| PLUS Loans | |
| How to Choose the Right School | |
| Lesson 4 - How To Help Adult Children Facing Financial Challenges | p. 64 |
| How to Handle Student Loans That Are in Default | |
| How and When to Help Independent Children Who Are in Financial Trouble | |
| Lesson 5 - The Conversation Every Adult Child Should Have With His Or Her Parents | p. 69 |
| Building Family Financial Security Under One Roof | |
| Updating Legal Documents | |
| When a Parent Remarries | |
| Lesson 6 - Advice For Grandparents: How to Build a Lasting Legacy | p. 73 |
| Follow the Parents' Lead | |
| Pay It Forward | |
| Give Experiences, Not Things | |
| Class 4 - Home | p. 77 |
| Lesson 1 - The Truth About Home Values | p. 81 |
| A Decade of Extremes | |
| A Home Is a Savings Account, Not a Hot Stock | |
| Financing Is Cheap, but Not Easy | |
| Lesson 2 - When It Makes Sense To Rent | p. 84 |
| The Math of Rent vs. Buy | |
| Advice for Owners Who Now Want to Rent | |
| Lesson 3 - The New Rules Of Buying a Home | p. 87 |
| Set a Budget That Satisfies Your Needs | |
| Know Your Income Limits | |
| Aim to Make a 20% Down Payment | |
| A Special Note About FHA-Insured Loans | |
| Special Rules for Buying Condos and Co-ops | |
| Where to Come Up with the Down Payment | |
| Opt for a 30-Year Fixed-Rate Mortgage | |
| Understand the Risk of Distressed Property | |
| Lesson 4 - What To Do If You Are Underwater | p. 98 |
| If You Are Underwater and Cannot Afford Your Mortgage | |
| Loan Modificaiton | |
| Short Sale | |
| Foreclosure | |
| If You Are Underwater but You Can Afford the Mortgage | |
| Lesson 5 - How To Reduce Mortgage Costs | p. 110 |
| When It Makes Sense to Pay Off a Loan Ahead of Schedule | |
| The New Realities of Refinancing | |
| Refinancing Rules | |
| Lower Your Mortgage Costs Without a Refinance | |
| Lesson 6 - The Dangers Of Home Equity Lines Of Credit | p. 114 |
| The Dangers of Rising Interest Rates and Falling Behind on Payments | |
| Home Equity Loans | |
| Lesson 7 - Reverse Mortgages | p. 116 |
| Reverse Mortgage Basics | |
| Lesson 8 - Investing In Real Estate | p. 119 |
| What You Need to Know Before You Buy Investment Property | |
| What to Do with an Investment Property That Is Underwater | |
| Class 5 - Career | p. 122 |
| Lesson 1 - Advice For The Employed | p. 125 |
| Build Your Plan-for-the-Worst Fund | |
| Live Below Today's Means | |
| Grab Your Full Retirement Bonus | |
| Make Your Case for a Raise and Promotion Through Your Work | |
| How to Ask for a Raise | |
| Change Your Attitude Before You Change Your Job | |
| Lesson 2 - Advice For The Unemployed | p. 133 |
| Cut Your Spending Immediately | |
| Do Not Dip into Your Retirement Savings | |
| Make Sure Your Credit Profile Remains Strong | |
| Do Not Go Back to School to Avoid a Hard Job Market | |
| Get to Work as Fast as Possible, Rather Than Holding Out for a Better Offer | |
| How to Deal with a Steep Pay Cut | |
| A Special Note for Stay-at-Home Moms | |
| Lesson 3 - Starting (And Running) Your Own Business | p. 139 |
| Launching a Business: Can You Afford It? | |
| Where to Get the Money to Start Your Business | |
| A Few Words About Micro Lending | |
| Running Your Own Business | |
| When to Expand | |
| When to Close | |
| Standing in Your Truth in Business | |
| Closing Down a Business Responsibly | |
| A Note About the Retirement Classes | p. 153 |
| The Money Navigator: A Special Offer for Readers of The Money Class | p. 154 |
| Class 6 - Retirement Planning: Getting Going In Your 20S And 30S | p. 155 |
| Lesson 1 - Time Is Your Greatest Asset | p. 159 |
| Getting Started Early | |
| With Lower Returns, Savings Are More Important Than Ever | |
| Lesson 2 - Retirement Accounts Explained | p. 161 |
| Retirement Plans Offered by Employers | |
| Retirement Plan Withdrawal Rules | |
| Non-Workplace Retirement Accounts | |
| Nondeductible IRAs | |
| Roth IRAs | |
| Retirement Plans for the Self-Employed | |
| Lesson 3 - How Much You Need To Save For Retirement | p. 166 |
| The Retirement Formula | |
| The Best 401(k) and IRA Strategy | |
| A Word on Vesting | |
| Where to Open an IRA Account | |
| Lesson 4 - Investing Your Retirement Money | p. 173 |
| The Ups and Downs of the Stock Market | |
| Dollar Cost Averaging | |
| How Much to Invest in Stocks | |
| Choosing the Best Options Within Your 401(k) | |
| How to Build the Best 401(k) Investment Portfolio | |
| Exchange Traded Funds | |
| Bond Investments | |
| Retirement Planning Mistakes to Avoid | |
| What to Do with Your 401(k) When You Leave a Job | |
| Class 7 - Retirement Planning: Fine-Tuning It In Your 40S And 50S | p. 190 |
| Lesson 1 - Deciding When It Makes Sense To Pay Off Your Mortgage | p. 194 |
| Questions to Ask Yourself | |
| The Benefits of Paying Off Your Mortgage | |
| How to Pay Off Your Mortgage Ahead of Schedule | |
| Lesson 2 - Have A Realistic Plan For Working Until Age 66-67 | p. 203 |
| Your Work-Longer Game Plan | |
| Lesson 3 - Delay Your Social Security Benefit | p. 207 |
| Social Security Basics | |
| Social Security Strategies | |
| Lesson 4 - Estimate Your Retirement Income: How Are You Doing? | p. 214 |
| Social Security Benefits | |
| Retirement Accounts | |
| Pensions | |
| Lump Sum vs. Annuity | |
| Lesson 5 - Saving More, And Investing Strategies In Your 50S | p. 223 |
| How to Invest Smart | |
| Making the Most of What You Have | |
| Best Investments Outside Your 401(k) | |
| Bond Investments | |
| No Target Funds Allowed | |
| Lesson 6 - Plan For Long-Term Care Costs | p. 234 |
| When to Buy | |
| Making the Financial Case for LTC Insurance | |
| Health Insurance, Medicare, and Medicaid | |
| LTC Basics | |
| Class 8 - Living In Retirement | p. 248 |
| Lesson 1 - Home Finances: Stand In The Truth Of What Is Affordable For You | p. 251 |
| The Affordability Issue | |
| Start the Discussion | |
| Lesson 2 - Coping With The High Cost Of Healthcare In Retirement | p. 253 |
| Rising Costs vs. Your Annual Retirement Income | |
| Long-Term Care Premium Increases | |
| Lesson 3 - Stick To a Sustainable Withdrawal Rate | p. 255 |
| The Right Rate | |
| How to Make Tax-Smart Withdrawals | |
| Lesson 4 - Avoid Long-Term Bonds And Bond Funds | p. 259 |
| What You Must Understand About Bonds | |
| How to Build a Bond Ladder | |
| Beyond Treasury Bonds: Municipal Bonds and Corporate Bonds | |
| Lesson 5 - Earn Higher Yields by Investing In Dividend-Paying ETFS And Stocks | p. 264 |
| The Case for Dividend-Paying ETFs and Stocks | |
| Stock Dividend Basics | |
| The Protection of a Stop-Loss Order | |
| How Much to Invest | |
| How to Choose a Dividend-Focused ETF | |
| Tips for Owning Individual Dividend-Paying Stocks | |
| Lesson 6 - Double-Check Your Beneficiaries And Must-Have Documents | p. 275 |
| Life-Changing Events | |
| Class 9 - The Ultimate Lesson | p. 277 |
| Clearing My Own Roadblocks | |
| The Road Ahead, Not the Rearview Mirror | |
| The Legacy We Create |
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