获得金融生活：20到30岁时你的个人理财GET A FINANCIAL LIFE 下载 pdf 百度网盘 epub 免费 2025 电子版 mobi 在线

For twentysomethings and thirtysomethings, controlling one's financial life is a challenge many times exacerbated by a lack of knowledge about how money works. Author Kobliner, herself under 30, has assembled an excellent collection of basic money management principles and has specially tailored this presentation to the particular interests of these age groups. She discusses investing in mutual funds, tax-deferred savings plans, staying away from ATMs, legal tax deductions, understanding the minimal return on bank passbook savings accounts, tearing up credit cards, 401k plans and IRAs, and other important topics. Kobliner, who narrates her own work, emphasizes the personal discipline required to implement these sound suggestions, an example of her keen insights with this targeted audience and her experience as a contributor to Money magazine. This neatly summarized material?short and sweet, just like this age group will want?nicely accompanies such well-known works as The Beardstown Ladies' Common-Sense Investment Guide (Audio Reviews, LJ 4/15/96) and Dave Ramsey's solid Financial Peace (Penguin Audiobooks, 1996). This will be a useful addition to all public libraries.?Dale Farris, Groves, Tex.

Copyright 1997 Reed Business Information, Inc. --This text refers to an out of print or unavailable edition of this title.

Introduction

1. Crib Notes

　A "Cheat Sheet" for Time-Pressed:Readers

2. Taking Stock of Your Financial Life

　Figuring Out Where You Are and Where You Want to Go

　　Putting a Price Tag on Your Goals

　　Learning How to Reach Your Goals

　　Figuring Out Where Your Money Goes

　　Financial Rules of Thumb　　

　　Getting Your Financial Life in Order

3. Debt and the Material World

　Finding the Best Loans and Getting Yourself Out of Hock

　　Two Pointers for Anyone with Debt

　　Credit Cards

　　Student Loans

　　Car Loans

　　Home Equity Loans

　　Credit Reports

　　If You're in Serious Debt

4. Basic Banking

　 Learn How to Get the Most from Your Bank for the

　 Least Amount of Money

　　A Bank by Any Other Name

　　Finding a Low-Cost Checking Account

　　Managing Your Checking Account

　　Using the ATM Wisely

　　Joint Versus Separate Accounts

　　Different Ways to Save in a Bank

　　A Warning About Bank-Sold Investments

5. All You Really Need to Know　About Investing

　For New Investors, the Feeling Is Mutual (Funds)

　　Mutual Fund Fundamentals

　　Money Market Funds

　　A Word About Inflation

　　Stock Funds

　　Bond Funds

　　The Right Mix of Investments

　　Mutual Fund Expenses

　　Deciding Where to Buy Your Mutual Funds

　　Socially Responsible Investing

　　Buying Individual Stocks

6. Living the Good Life in 2030

　Think It's Crazy to Worry Now About Retirement

　Then? It's Crazy Not To

　　What Are Retirement Savings Plans, Anyway?

　　Contributing to Your 401(k)

　　Contributing to an IRA

……

7.Oh,Give Me a Home

8.Insurance:What You Need and What You Don't

9.How to Make Your Life Less Taxing

Further Reading

Acdnow Ledgments

Index

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With 100 NEW FINANCIAL web sites! If you're like most people, you want to get your financial life in order but don't know where to begin. Since its first publication in 1996, Get a Financial Life has helped thousands of people get out of debt, start saving, and begin investing. This updated edition -- expanded for the Internet age -- includes the latest information on how to: Use the Web to find the best auto loans, mortgages, and credit cards Invest in the stock market wisely and painlessly Refinance your high-rate debt -- and avoid hidden fees and traps Take advantage of the latest tax breaks -- including deductions for student loans Build a serious nest egg with long-term savings plans like the new Roth IRAs You will also find classic, easy-to-understand advice on money basics -- everything from 401(k)s to car leases, from credit reports to life insurance, from buying the right mutual funds to buying a home of your own. Whether you earn $20,000 or $200,000, Get a Financial Life will help you navigate the new world of personal finance.