[Quick and Dirty Tips 01] • Money Girl’s Smart Moves to Grow Rich by Adams, Laura D. -- Read -- Imperial Library of Trantor

Index

Cover Title Page Dedication Contents Introduction 1. WHAT’S YOUR MONEY MIND-SET?

What’s Your Relationship with Money? Big, Bad Financial Habits (and Little Ones, Too) One Last Money Secret to Growing Rich

2. CREATING A FINANCIAL PLAN

Know Your Net Worth Create a Financial Plan Goal #1: An Emergency Fund Make Having Insurance a Goal Planning for Retirement Create a Retirement Plan Create a Spending Plan that Will Work 15 Ways to Save More Money

3. CHOOSING THE BEST BANKING ACCOUNTS

Different Types of Bank Accounts Checking or Payment Accounts Savings Accounts Money Market Deposit Accounts (MMDAs) Certificate of Deposits (CDs) Trust Accounts Federal Deposit Insurance Corporation (FDIC) Insurance

4. SETTING UP A MONEY MANAGEMENT SYSTEM

Regular Money Management Tasks Computer Money Management Online Financial Tools Money Girl’s System (That’s Me) Sample Banking Setups Setting Your Routine Staying Safe from Identity Theft

5. DEALING WITH DEBT

Do You Need to Eliminate All Debt? Make a Debt Reduction Plan Balance Transfer Credit Cards Use Credit Cards Wisely What Kind of Credit Card Should You Use? Manage Your Credit Score Debt Settlement Loan Refinancing Loan Modification Loan or Debt Consolidation Secret Debt Weapon: Accelerated Payments A Last Resort: Declaring Bankruptcy Set Your Debt Priorities

6. INVESTING WISELY

Discretionary Income: Your Investment Fuel How Do Simple and Compound Interest Work? Investing and Risk The Difference Between Saving and Investing What Investments Should You Buy? Diversification Dollar-Cost Averaging Invest or Pay Down Debt? Protect Yourself

7. PLANNING FOR RETIREMENT

Retirement Accounts for Individuals Retirement Accounts for Employees What Is Employer Matching? Retirement Accounts for the Self-Employed Can You Ever Take Early Withdrawals Without Penalty? What if No Retirement Account Options Are Available to You? Doing Rollovers What Retirement Account Investments Are Right for You?

8. BUYING REAL ESTATE

Buying Versus Renting What Can You Afford? Mortgage Options Mortgage Types Choosing a Mortgage Taking the Home Mortgage Interest Deduction

9. PAYING FOR EDUCATION

Create an Education Savings Plan Use 529 Education Savings Plans Use Coverdell Education Savings Accounts Make Tuition More Affordable Federal Student Loans Tax Benefits for Education Summary of Education Tax Breaks

10. UNDERSTANDING TAXES

Taxable Versus Nontaxable Income Choosing the Best Filing Status Who Must File a Tax Return? Payroll Tax Withholding The Self-Employment (SE) Tax Tax Brackets How Your Investments Are Taxed Taking Tax Deductions Taking Tax Credits The Alternative Minimum Tax How to Choose a Tax Pro

CONCLUSION: 20 TIPS FOR PUTTING IT ALL TOGETHER

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Acknowledgments About the Author Copyright