دسترسی نامحدود
برای کاربرانی که ثبت نام کرده اند
دانلود کتاب Personal Finance
دانلود کتاب امور مالی شخصی
مشخصات کتاب
Personal Finance
ویرایش: [10 ed.]
نویسندگان: Eric Tyson
سری: For Dummies
ISBN (شابک) : 1394207549, 9781394207565
ناشر: John Wiley & Sons
سال نشر: 2023
تعداد صفحات: 496
[498]
زبان: English
فرمت فایل : PDF (درصورت درخواست کاربر به PDF، EPUB یا AZW3 تبدیل می شود)
حجم فایل: 6 Mb
قیمت کتاب (تومان) : 38,000
در صورت تبدیل فایل کتاب Personal Finance به فرمت های PDF، EPUB، AZW3، MOBI و یا DJVU می توانید به پشتیبان اطلاع دهید تا فایل مورد نظر را تبدیل نمایند.
توجه داشته باشید کتاب امور مالی شخصی نسخه زبان اصلی می باشد و کتاب ترجمه شده به فارسی نمی باشد. وبسایت اینترنشنال لایبرری ارائه دهنده کتاب های زبان اصلی می باشد و هیچ گونه کتاب ترجمه شده یا نوشته شده به فارسی را ارائه نمی دهد.
توضیحاتی در مورد کتاب امور مالی شخصی
توصیه‌های صحیح مدیریت پول شخصی با بینش‌هایی برای دنیای امروزی Personal Finance For Dummies 30 سال است که به سواد مالی پرداخته است. این نسخه دهم همچنان توصیه‌های درستی را به اشتراک می‌گذارد که به میلیون‌ها خواننده کمک کرده تا از نظر مالی سواد داشته باشند و در عین حال مسائل پولی دوران کنونی را ابهام کنند. با ارکان مالی کسب درآمد، پس انداز، سرمایه گذاری، استقراض، بودجه بندی و حفاظت از دارایی های خود آشنا شوید. به نگرانی‌های مدرن مانند پیمایش در بازار مسکن، غلبه بر اوج و فرودهای بازار غیرقابل پیش‌بینی، ارزیابی چیزهای جدید مانند ارزهای دیجیتال و بودجه‌بندی برای دستیابی به اهداف مالی خود بپردازید. با ایجاد یک برنامه مالی قوی، یادگیری خرج کردن و سرمایه گذاری عاقلانه و مدیریت بدهی خود، اضطراب را از مسائل مالی دور کنید. توصیه هایی را دنبال کنید که برای سه دهه به خوانندگان کمک کرده است! از نظر مالی سواد داشته باشید تا بتوانید بدهی ها را به حداقل برسانید و اهداف واقع بینانه را تعیین کنید اصول سرمایه گذاری را بیاموزید و شروع به انتخاب های سرمایه گذاری هوشمندانه کنید. For Dummies توصیه های درستی را برای تمام سنین و سطوح مدیریت پول شخصی ارائه می دهد. هیچ وقت برای درک مسائل مالی خود خیلی زود یا دیر نیست.
توضیحاتی درمورد کتاب به خارجی
Sound personal money management advice with insights for today’s world Personal Finance For Dummies has been tackling financial literacy for 30 years. This tenth edition continues to share the sound advice that’s helped millions of readers become financially literate while demystifying the money matters of the current era. Get familiar with the financial pillars of earning, saving, investing, borrowing, budgeting, and protecting your assets. Dig into modern concerns like navigating the housing market, weathering the highs and lows of an unpredictable market, evaluating new stuff like cryptocurrency, and budgeting to achieve your financial goals. Take the anxiety out of money matters by building a solid financial plan, learning to spend and invest wisely, and managing your debt. Follow the advice that\'s helped readers for three decades! Become financially literate so you can minimize debt and set realistic goals Learn the basics of investing and start making smart investment choices Demystify insurance so you can protect your health and your assets Control your spending and build better budgets so you can afford the big stuff Personal Finance For Dummies offers sound advice for all ages and levels of personal money management. It’s never too early or too late to start making sense of your finances.
فهرست مطالب
Title Page Copyright Page Table of Contents Introduction About This Book Foolish Assumptions Icons Used in This Book Beyond the Book Where to Go from Here Part 1 Getting Started with Personal Finance Chapter 1 Embracing Financial Literacy Understanding Everything Financial Literacy Includes Starting with the basics: Budgeting and transaction accounts Making your money work for you: Investing Protecting your income and assets: Insurance Talking Money at Home Identifying Unreliable Sources of Information Understanding the dangers of free financial content online Recognizing the dangers of following financial gurus (and celebrities) Knowing who’s talking Beware celebrity endorsers Seeing the red flag in outrageous performance claims Publishers pandering to advertisers Jumping over Real and Imaginary Hurdles to Financial Success Discovering what (or who) is holding you back Developing good financial habits Chapter 2 Establishing a Financial Foundation Understanding Your Cash Flow Uncovering where your money goes Sizing up your income Investing in your career Securing a side hustle Utilizing Transaction and Investment Accounts Transaction/checking accounts Savings accounts and money-market funds Investment accounts Budgeting to Boost Your Savings Understanding and Improving Your Credit Score Deciphering how lenders use credit reports and scores Obtaining your credit reports Getting your credit score Chapter 3 Measuring Your Financial Health Avoiding Common Money Mistakes Determining Your Financial Net Worth Adding up your financial assets Subtracting your financial liabilities Crunching your numbers Interpreting your net worth results Examining Your Credit Score and Reports Understanding what your credit data includes and means Reviewing your credit reports and score Improving your credit reports and score Getting credit-report errors corrected Knowing the Difference between Bad Debt and Good Debt Consuming your way to bad debt Recognizing bad debt overload Assessing good debt: Can you get too much? Playing the credit-card float and reward games Analyzing Your Savings Evaluating Your Investment Knowledge Assessing Your Insurance Savvy Chapter 4 Establishing and Achieving Goals Creating Your Own Definition of Wealth Acknowledging what money can’t buy Managing the balancing act Prioritizing Your Savings Goals Knowing what’s most important to you Valuing retirement accounts Dealing with competing goals Building Emergency Reserves Saving to Buy a Home or Business Funding Kids’ Educational Expenses Saving for Big Purchases Preparing for Retirement/Financial Independence Figuring out what you need for retirement/ financial independence Understanding retirement building blocks Counting on Social Security Planning your personal savings/investment strategy Making the most of pensions Crunching numbers for your retirement Making up for lost time Part 2 Spending Less, Saving More Chapter 5 Managing Where Your Money Goes Examining Overspending Having access to credit Misusing credit cards Taking out car loans Bending to outside influences and agendas Spending to feel good Assessing Your Spending Tracking spending the “low-tech” way Tracking your spending on “free” websites and apps Chapter 6 Dealing with Debt Using Savings to Reduce Your Consumer Debt Understanding how you gain Finding the funds to pay down consumer debts Decreasing Debt When You Lack Savings Reducing your credit card’s interest rate Understanding all credit-card terms and conditions Cutting up your credit cards Discovering debit cards: The best of both worlds? Turning to Credit Counseling Agencies Beware biased advice at credit counseling agencies Ask questions and avoid debt management programs Filing Bankruptcy Understanding bankruptcy benefits Coming to terms with bankruptcy drawbacks Deciphering the bankruptcy laws Choosing between Chapter 7 and 13 Seeking bankruptcy advice Stopping the Spending/Consumer Debt Cycle Resisting the credit temptation Identifying and treating a compulsion Chapter 7 Reducing Your Spending Unlocking the Keys to Successful Spending Living within your means Looking for the best values Don’t waste money on brand names Tread carefully online Getting your money back Eliminating the fat from your spending Turning your back on consumer credit Reducing Your Spending Managing food costs Eating out frugally Eating healthy at home without spending a fortune Joining a wholesale superstore Saving on shelter Reducing rental costs Reducing homeowner expenses Cutting transportation costs Research before you buy a car Don’t lease, don’t borrow: Buy your car with cash Replace high-cost cars Keep cars to a minimum Buy commuter passes Use regular unleaded gas Service your car regularly Lowering your energy costs Controlling clothing costs Repaying your debt Indulging responsibly in fun and recreation Looking at low-cost entertainment Vacationing for less Using thrift with gifts Lowering your phone bills Technology: Spending wisely Curtailing personal-care costs Paring down professional expenses Managing medical expenses Eliminating costly addictions Keeping an eye on insurance premiums Trimming your taxes Chapter 8 Managing and Reducing Your Taxes Understanding the Taxes You Pay Focusing on your total taxes Recognizing the importance of your marginal tax rate Defining taxable income Being mindful of the second tax system: Alternative minimum tax Analyzing recent tax law changes Trimming Employment Income Taxes Contributing to retirement investment plans Shifting some income Increasing Your Deductions Choosing standard or itemized deductions Organizing your deductions Shifting or bunching deductions Purchasing real estate Trading consumer debt for mortgage debt Contributing to charities Remembering auto registration fees and state insurance Deducting self-employment expenses Reducing Investment Income Taxes Investing in tax-free money-market funds and bonds Selecting other tax-friendly investments Making your profits long term Does funding retirement accounts still make sense? Enlisting Education Tax Breaks Getting Help from Tax Resources Obtaining IRS assistance Consulting preparation and advice guides Using software and websites Hiring professional help Preparers Enrolled agents (EAs) Certified public accountants (CPAs) Tax attorneys Dealing with an Audit Getting your act together Surviving the day of reckoning Part 3 Building Wealth through Investing Chapter 9 Considering Important Investment Concepts Establishing Your Goals Understanding the Primary Investments Looking at lending investments Exploring ownership investments Shunning Gambling and Get Rich Quick Vehicles Forsaking futures, options, and other derivatives Ditching day trading Sidestepping “get rich quick” schemes Understanding Investment Returns Sizing Investment Risks Comparing the risks of stocks and bonds Focusing on the risks you can control Discovering low-risk, high-return investments Diversifying Your Investments Spreading the wealth: Asset allocation Allocating money for the long term Sticking with your allocations: Don’t trade Investing lump sums via dollar-cost averaging Acknowledging Differences among Investment Firms Focusing on the best firms No-load (commission-free) mutual-fund companies Discount brokers Places to consider avoiding Commissions and their impact on human behavior Investment salespeople’s conflicts of interest Valuing brokerage research Seeing Through Experts Who Predict the Future Investment newsletters Investment gurus Leaving You with Some Final Advice Chapter 10 Understanding Your Investment Choices Slow and Steady Investment: Bonds Building Wealth with Ownership Vehicles Selecting stocks Discovering the relative advantages of mutual funds and exchange-traded funds (ETFs) Understanding exchange-traded funds, hedge funds, and managed accounts Investing in individual stocks Investing internationally in stocks Generating wealth with real estate Real estate: Not your ordinary investment The best real-estate investment options The worst real-estate investments Investing in small business Launching your own enterprise Buying an existing business Investing in someone else’s small business Off the Beaten Path: Investment Odds and Ends Precious metals Bitcoin, Ethereum, and other cryptocurrencies Annuities Collectibles (including NFTs) Chapter 11 Investing in Funds Understanding the Benefits of Mutual Funds and Exchange-Traded Funds Exploring Various Fund Types Money-market funds Bond funds Stock funds Mixing bonds and stocks: Balanced funds U.S., international, and global funds Index funds Specialty (sector) funds Selecting the Best Funds Reading prospectuses and annual reports Keeping costs low Eliminating loads Minimizing operating expenses Evaluating historic performance Assessing fund manager and fund family reputations Rating tax friendliness Determining your needs and goals Deciphering Your Fund’s Performance Dividends Capital gains Share price changes Evaluating and Selling Your Funds Chapter 12 Investing in Retirement Accounts Looking at Types of Retirement Accounts Employer-sponsored plans 401(k) plans 403(b) plans 457 plans Self-employed plans Individual Retirement Accounts (IRAs) Annuities: An odd investment Allocating Your Money in Retirement Plans Prioritizing retirement contributions Setting up a retirement account Allocating money when your employer selects the investment options Money market/savings accounts Bond mutual funds Guaranteed-investment contracts (GICs) Balanced/target date mutual funds Stock mutual funds Stock in the company you work for Some asset allocation examples Allocating money in plans you design Vanguard Fidelity Discount brokers Transferring Retirement Accounts Transferring accounts you control Moving money from an employer’s plan Chapter 13 Investing in Taxable Accounts Getting Started Paying off high-interest debt Taking advantage of tax breaks Understanding Taxes on Your Investments Fortifying Your Emergency Reserves Bank and credit union accounts Money-market mutual funds Watch out for “sales” Recommended money-market mutual funds Investing for the Longer Term (Several Years or Decades) Defining your time horizons Bonds and bond funds U.S. Treasury bond funds Buying Treasuries from the Federal Reserve Bank State- and federal-tax-free bond funds Federal-tax-free-only bond funds Certificates of deposit (CDs) Stocks and stock funds Annuities Real estate Small-business investments Chapter 14 Investing for Educational Expenses Exploring Higher-Education Options Figuring Out How the Financial Aid System Works Treatment of retirement accounts Treatment of money in the kids’ names Traditional custodial accounts State-sponsored college savings plans: 529 Treatment of home equity and other assets Strategizing to Pay for Educational Expenses Estimating college costs Setting realistic savings goals Tips for getting loans, grants, and scholarships Investing Educational Funds Good investments: No-load mutual funds and exchange-traded funds Bad investments Overlooked investments Chapter 15 Investing in Real Estate: Your Home and Beyond Deciding Whether to Buy or Rent Assessing your timeline Determining what you can afford Calculating how much you can borrow Comparing owning versus renting costs Mortgage Property taxes Tax savings in homeownership Considering the long-term costs of renting Recognizing advantages to renting Financing Your Home Understanding the two major types of mortgages Choosing between fixed- and adjustable-rate mortgages How willing and able are you to take on financial risk? How long do you plan to keep the mortgage? Shopping for fixed-rate mortgages Trading off interest rates and points Understanding other lender fees Shunning balloon loans Inspecting adjustable-rate mortgages (ARMs) Understanding the start rate Determining the future interest rate Looking at the adjustment period or frequency Understanding rate caps Being aware of other ARM fees Avoiding the down-payment blues Comparing 15-year and 30-year mortgages Finding the best lender Shopping for a lender on your own Hiring a mortgage broker Increasing your approval chances Finding the Right Property Condo, town house, co-op, or detached home? Casting a broad net Finding out actual sale prices Researching the area Working with Real-Estate Agents Recognizing conflicts of interest Looking for the right qualities in real-estate agents Putting Your Deal Together Negotiating 101 Inspecting before you buy Remembering title insurance and escrow fees After You Buy Refinancing your mortgage Spending money to save money Using money for another purpose Changing loans Mortgage life insurance Considering a reverse mortgage Selling your house Selling through an agent Selling without a real-estate agent Should you keep your home until prices go up? Should you keep your home as investment property after you move? Part 4 Insurance: Protecting What You Have Chapter 16 Insurance: Getting What You Need at the Best Price Discovering My Three Laws of Buying Insurance Law I: Insure for the big stuff; don’t sweat the small stuff Take the highest deductible you can afford Avoid small-potato policies Law II: Buy broad coverage Recognizing fears Preparing for natural disasters — insurance and otherwise Law III: Shop around and buy direct Looking at employer and other group plans Buying insurance without paying sales commissions Dealing with Insurance Problems Knowing what to do if you’re denied coverage Getting your due on claims Documenting your assets and case Preparing your case Approaching your claim as a negotiation Practicing persistency Enlisting support Chapter 17 Insurance on You: Life, Disability, and Health Providing for Your Loved Ones: Life Insurance Determining how much life insurance to buy Comparing term life insurance to cash value life insurance “Cash value policies are all paid up after X years. You don’t want to be paying life insurance premiums for the rest of your life, do you?” “You won’t be able to afford term insurance when you’re older.” “You can borrow against the cash value at a low interest rate.” “Your cash value grows tax-deferred.” “Cash value policies are forced savings.” “Life insurance is not part of your taxable estate.” Making your decision Buying term insurance Selecting how often your premium adjusts Ensuring guaranteed renewability Deciding where to buy term insurance Considering the purchase of cash value life insurance Getting rid of cash value life insurance Preparing for the Unpredictable: Disability Insurance Deciding whether you need coverage Determining how much disability insurance you need Identifying other features you need in disability insurance Deciding where to buy disability insurance Getting the Care You Need: Health Insurance Mandating health insurance: The Affordable Care Act (Obamacare) Choosing the best health plan Major medical coverage Choice of healthcare providers Lifetime maximum benefits Deductibles and co-payments Guaranteed renewability Buying health insurance Clarifying why prices rose because of the Affordable Care Act Understanding subsidies Coping with higher health insurance prices Looking at retiree medical care insurance Closing Medicare’s gaps Long-term care insurance Making sense of Medicare’s prescription drug program Chapter 18 Covering Your Assets Insuring Your Home Dwelling coverage: The cost to rebuild Personal property coverage: For your things Liability insurance: Coverage for when others are harmed Flood and earthquake insurance: Protection from Mother Nature Deductibles: Your cost with a claim Special discounts Buying homeowner’s or renter’s insurance Auto Insurance 101 Bodily injury/property damage liability Uninsured or underinsured motorist liability Deductibles Special discounts: Auto edition Little-stuff coverage to skip Buying auto insurance Protecting against Mega-Liability: Umbrella Insurance Planning Your Estate Wills, living wills, and medical powers of attorney Avoiding probate through living trusts Reducing estate taxes Part 5 Where to Go for More Help Chapter 19 Working with Financial Planners Surveying Your Financial Management Options Doing nothing Doing it yourself Hiring financial help Commission-based “planners” Percentage-of-assets-under-management advisors Hourly-based advisors Deciding Whether to Hire a Financial Planner How a good financial advisor can help Why advisors aren’t for everyone Recognizing conflicts of interest Selling and pushing products that pay commissions Taking a narrow view Not recommending saving through your employer’s retirement plan Ignoring debts Not recommending real-estate and small-business investments Selling ongoing money-management services Selling legal services Scaring you unnecessarily Creating dependency Finding a Good Financial Planner Soliciting personal referrals Seeking advisors through associations Interviewing Financial Advisors: Asking the Right Questions What percentage of your income comes from clients’ fees versus commissions? What portion of client fees is for money management versus hourly planning? What is your hourly fee? Do you also perform tax or legal services? What work and educational experience qualifies you to be a financial planner? Do you carry liability (errors and omissions) insurance? Can you provide references from clients with needs similar to mine? Will you provide specific strategies and product recommendations that I can implement on my own if I choose? How is implementation handled? Learning from Others’ Mistakes Chapter 20 Using Technology to Manage Your Money Surveying Software, Apps, and Websites Adding up financial software benefits Understanding how apps can benefit and harm your bottom line Surfing hazards online Considering the source so you can recognize bias Watching out for “sponsored” content Steering clear of biased financial-planning advice Shunning short-term thinking Accomplishing Money Tasks on Your Computer, Tablet, or Smartphone Paying your bills, finding ways to save, and tracking your money Planning for retirement Preparing your taxes Researching investments Accessing economic and financial data Trading online Reading and searching periodicals Investing through automated investment managers: Robo advisors Buying life insurance Preparing legal documents Chapter 21 Consuming Financial Content Observing the Mass Media Alarming or informing? Teaching questionable values Worshipping prognosticating pundits Navigating social media Rating Radio, Podcasts, and Television Financial Programs Finding the Best Websites Navigating Newspapers and Magazines Betting on Books Understanding the book publishing business Books at the head of their class Part 6 The Part of Tens Chapter 22 Survival Guide for Ten Life Changes Starting Out: Your First Job Changing Jobs or Careers Getting Married Buying a Home Having Children Starting a Small Business Caring for Aging Parents Divorcing Receiving a Windfall Retiring Chapter 23 Ten Tactics to Thwart Identity Theft and Fraud Save Phone Discussions for Friends Only Never Respond to Emails Soliciting Information Review Your Monthly Financial Statements Secure All Receipts Close Unnecessary Credit Accounts Regularly Review Your Credit Reports Freeze Your Credit Reports or Place an Alert Keep Personal Info Off Your Checks Protect Your Computer and Files Protect Your Mail Glossary Index EULA
