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Cover
Title Page
For Jean
To My Dad and To My Mom
Contents
Foreword
Part I — Introduction to Financial Planning
Overview – The 12 Reasons You Need to Plan
Chapter 1 – The Four Obstacles to Building Wealth
Chapter 2 – The Story of Taxes and Inflation
Chapter 3 – The Greatest Discovery of the 20th Century
Chapter 4 – The Good News and the Bad News About Planning for Your Future
Part II — Understanding the Capital Markets
Overview – Of All the isms, Ours Is Capitalism
Chapter 5 – The Manufacturing Process
Chapter 6 – Building Cash Reserves
Chapter 7 – The Most Fundamental of All Investment Risks — And How to Avoid It
Part III — Fixed Income Investments
Overview – Income Before Growth
Chapter 8 – U.S. Government Securities
Chapter 9 – Municipal Bonds
Chapter 10 – Zero Coupon Bonds
Chapter 11 – Bond Ratings
Chapter 12 – Event Risk
Chapter 13 – Rate, Yield, and Total Return
Chapter 14 – Interest Rate Risk
Part IV — Equities
Overview – Growth After Income
Chapter 15 – Four Benefits of Owning Stock
Chapter 16 – Stocks: An Indication of the Nation’s Financial Health — Sometimes
Chapter 17 – Three Ways to Buy Stocks
Chapter 18 – Real Estate Investing
Chapter 19 – Collectibles
Part V — Packaged Products
Chapter 20 – The Four Problems You Encounter When Buying Investments
Chapter 21 – How to Beat the Four Problems
Chapter 22 – Open-End Mutual Funds
Chapter 23 – Closed-End Funds
Chapter 24 – Unit Investment Trusts
Chapter 25 – Exchange-Traded Funds
Chapter 26 – Mutual Fund and ETF Charges and Expenses
Chapter 27 – Annuities
Chapter 28 – Real Estate Investment Trusts
Part VI — The Best Investment Strategies
Overview – Putting What You’ve Learned to Work
Section One – Investing Money As You Get It
Chapter 29 – Three Ways to Create Savings
Chapter 30 – Dollar Cost Averaging
Section Two – Investing the Money You Already Have
Chapter 31 – Does Dollar Cost Averaging Apply to a Large Lump Sum?
Chapter 32 – Safe or Risky?
Chapter 33 – World Events Will Not Destroy Your Investments
Chapter 34 – The Theory of Market Timing
Chapter 35 – Focus on Hills and Tides, Not Strings and Waves
Chapter 36 – Following Your Emotions Is a Sure Path to Failure
Chapter 37 – Understanding Volatility
Chapter 38 – Standard Deviation
Chapter 39 – Diversification: The Key to Your Investment Success
Chapter 40 – How to Develop an Optimally Diversified Portfolio
Chapter 41 – Portfolio Optimization vs. Maximization
Chapter 42 – The Rankings Trap
Chapter 43 – Picking the Best Funds
Chapter 44 – Maintaining Effective Diversification in an Ever-Changing World
Chapter 45 – Investing for Current Income
Chapter 46 – How to Prepare for Economic Collapse
Part VII — The Best Financial Strategies
Chapter 47 – Facing Unemployment
Chapter 48 – Understanding Your Credit Report
Chapter 49 – How to Get Out of Debt
Chapter 50 – Should You Buy or Lease Your Next Car?
Chapter 51 – How to Pay for College (Really!)
Chapter 52 – Does It Pay for Both Parents to Work While Raising Young Children?
Chapter 53 – How to Protect Your Identity
Chapter 54 – Caring for Aging Parents
Chapter 55 – Funeral Expenses
Part VIII — The Best Strategies for Buying, Selling, and Owning Homes
Overview – The American Dream
Chapter 56 – Incorporating Home Ownership into Your Financial Plan
Chapter 57 – How to Buy Your First Home
Chapter 58 – All About Mortgages
Chapter 59 – How to Buy Your Next Home
Chapter 60 – How to Handle Late Mortgage Payments
Chapter 61 – The Truth About Timeshares
Part IX — Taxes, Taxes, Taxes
Chapter 62 – Stop Giving Interest-Free Loans to the Government
Chapter 63 – Do You Need to Hire a Professional Tax Preparer?
Chapter 64 – Don’t File Your Taxes Until March
Part X — Retirement Planning
Chapter 65 – Social Security
Chapter 66 – Pensions
Chapter 67 – IRA Accounts
Photographic Insert
Chapter 68 – Company Retirement Plans
Chapter 69 – Why Retirement Plans Are Not Enough
Chapter 70 – Women and Retirement
Chapter 71 – Planning Your Retirement Lifestyle
Part XI — Insurance
Overview – How to Manage Risk
Chapter 72 – Protecting Your Largest Financial Asset
Chapter 73 – Long-Term Care
Chapter 74 – Life Insurance
Chapter 75 – How to Protect Yourself From Lawyers Lawsuits
Chapter 76 – Should You Buy from an Insurance Agent or Insurance Broker?
Chapter 77 – How Safe Is Your Carrier?
Part XII — Estate Planning
Overview – Managing and Distributing Wealth
Chapter 78 – Your Will
Chapter 79 – Estate Administration
Chapter 80 – Other Estate Planning Tools
Chapter 81 – When to Revise Your Will
Part XIII — How to Choose a Financial Advisor
Overview – The Most Important Financial Decision You Will Make
Chapter 82 – The Four Kinds of Practitioners You Can Hire
Chapter 83 – How to Choose an Advisor
Chapter 84 – 10 Taboos Between You and Your Advisor
Chapter 85 – How to Work with an Advisor
Chapter 86 – Evaluating Your Advisor’s Performance
Sources
Index
Acknowledgements
About the Author
Also by Ric Edelman
Copyright
About the Publisher
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