Cotter Cunningham – Your Financial Action. Plan 12 Simple Step to Achieve Money Success

Description

Cotter Cunningham – Your Financial Action. Plan 12 Simple Step to Achieve Money Success

ISBN: 978-0-471-65030-0

224 pages

September 2004

Description

Your Financial Action Plan outlines twelve easy steps that may enhance your degree of monetary literacy in addition to enable you forge the monetary future you need.

Today, monetary information means monetary energy, and in Your Financial Action Plan, you’ll be launched to the essential private monetary points that have an effect on your life.

With this e book as your information, you’ll find out how to:

* Make probably the most of your mortgage
* Maintain an excellent credit standing
* Build your retirement financial savings
* Negotiate along with your native financial institution to get the most effective offers
* Navigate the ins and outs of insurance coverage
* Create a will
* Handle tax deductions and credit
* And way more

Filled with sensible steerage and in depth experience, Your Financial Action Plan will enable you construct the kind of monetary life you’ve at all times wished.

Table of Contents

Acknowledgments vii

Foreword ix

Introduction xi

Chapter 1: Rainy Day Funds and Sunny Day Savings 1

Prepare for an Emergency

Understand Asset Allocation

Build a Financial Plan

Chapter 2: Bills and Chills 11

Gain Control of Your Expenditures

Chapter 3: Budget Bingo 15

Create a Comfortable Budget

Recognize Shopping Pitfalls

Chapter 4: Hanging It Up 25

Build Your Retirement Savings

Understanding 401(okay)s, Defined Benefit Plans,

Social Security, IRAs, and Other Pension Plans

Chapter 5: Bank On It 41

Check Up on Your Bank

Know What Records to Keep and Where to Keep Them

Chapter 6: Willing It 45

Decide Who Gets What

How to Give It to Them

A Look on the Deadly Business of Funerals

Chapter 7: Got Insurance? 51

Disability Insurance: The Gory Details

Life Insurance: How Much Do You Need?

Other Insurance You Need—or Not

Chapter 8: Driving Mr. Washington 63

Lease or Buy?

Showroom Errors

Insure Your Wheels

Chapter 9: Take Credit—Carefully 73

Borrow Responsibly

Understand Your Credit Report

Chapter 10: Dealing with Debt 85

Borrowing Responsibly

Credit Card Bill of Rights

Chapter 11: April 15 Blues 93

Manage Your Withholding Better

Use Tax Deductions and Credits

Chapter 12: This Old House 109

Should You Buy?

Create a Realistic Budget for Homeownership

Make the Most of Your Mortgage

Afterword: 12 Steps to Money Success 125

Appendix: Bankrate Form Letters 127

Glossary 173

About the Author 193

Index 195

Author Information

G. COTTER CUNNINGHAM is an authority on private finance. For over a decade, he has given shoppers professional recommendation on their essential finan-cial issues. Mr. Cunningham is the Chief Operating Officer of Bankrate, Inc., which operates Bankrate.com, the most-visited private finance fee data Web website on the planet. Mr. Cunningham and his colleagues present shoppers with comparative knowledge and sensible recommendation on CDs, mortgages, auto loans, banking, taxes, and monetary planning. Bankrate.com helps shoppers to choose the most effective monetary establishment for his or her specific wants. Bankrate supplies monetary knowledge and data to a community of greater than 75 companions, together with Yahoo!, America Online, the Wall Street Journal, and the New York Times.
Cotter Cunningham has a novel background and perspective on private finance. He has spent nearly his whole profession in finance, from working as a mortgage officer and working an Internet-based bank card program, to advising firms on monetary technique. Cotter believes step one in monetary independence is to foster a primary understanding of the who, what, why, the place, and when of monetary issues. In Your Financial Action Plan, he supplies readers with the information they want to plan their monetary future.
He lives in Palm Beach Gardens, Florida, along with his spouse and kids.