Catalogue


Easy money : how to simplify your finances and get what you want out of life /
Liz Pulliam Weston.
imprint
Indianapolis, Ind. : FT Press, c2008.
description
xv, 198 p. ; 23 cm.
ISBN
9780132383837 (pbk. : alk. paper)
format(s)
Book
Holdings
More Details
imprint
Indianapolis, Ind. : FT Press, c2008.
isbn
9780132383837 (pbk. : alk. paper)
contents note
Setting up your financial life -- Take charge of your spending -- Get the most out of your credit cards -- The no-sweat guide to retirement (and other) investing -- The easy way to save for college -- Insurance : protecting what you have--and will have -- Buying homes and cars -- When you need help -- Be a savvy shopper -- Changing your uneasy mind -- Setting goals, or what are you doing the rest of your life.
general note
Includes index.
catalogue key
9901928
A Look Inside
Excerpts
Introduction or Preface
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Introduction or Preface
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Introduction or Preface
Introduction Introduction Have you paid a late fee on a credit card or bounced a check in the past year? Did you misplace a bill, a statement, or some other financial record that you desperately needed to find? Are you confused about how much insurance you should buy, which health plan you should choose, the right way to save for college or retirement? Do you ever wish you could spend less time worrying about money? If so, you're in good company. People today have to make a lot more financial decisions and keep track of far more details than they did even a generation ago. Instead of one health care plan, you may have to choose from half a dozen--or you may have no insurance at all. Instead of a traditional pension plan provided by an employer, you probably have to save for retirement on your own--and figure out how much to contribute, where to invest the contributions, and eventually how to take your money out. Instead of a credit card or two, you have access to literally tens of thousands of options, all with different rates, terms, and due dates. Even mortgages, which used to come in one basic flavor--fixed rate, for 30 years--have multiplied into a bewildering array of alternatives. At the same time, the penalties for making mistakes seem to be escalating every day. It's not just that late fees, bounced-check charges, and over-limit penalties are skyrocketing. There are bigger issues. Choose the wrong health coverage, for example, and you could become one of the hundreds of thousands of people each year who have to file bankruptcy, in part because of medical reasons. Mess up on your retirement, and you could be working well past the age when your peers are on the golf course. If you're like most people, all of this is simply overwhelming. Even if you do have time to research and understand all your options, you probably feel like you don't have time to properly manage every aspect of your finances the way you'd like while still holding down a job, caring for a family, and enjoying a minute or two of leisure time every once in a while. The good news is that there is hope. You can winnow down your choices, streamline your financial systems, and take control of your money. A few hours spent with this book and a little time invested in today's personal finance technology can put you on track for your goals and alleviate your anxiety about the details that could otherwise trip you up. Let's get started. Copyright Pearson Education. All rights reserved.
First Chapter

Introduction

Have you paid a late fee on a credit card or bounced a check in the past year? Did you misplace a bill, a statement, or some other financial record that you desperately needed to find? Are you confused about how much insurance you should buy, which health plan you should choose, the right way to save for college or retirement?

Do you ever wish you could spend less time worrying about money?

If so, you're in good company.

People today have to make a lot more financial decisions and keep track of far more details than they did even a generation ago. Instead of one health care plan, you may have to choose from half a dozen—or you may have no insurance at all. Instead of a traditional pension plan provided by an employer, you probably have to save for retirement on your own—and figure out how much to contribute, where to invest the contributions, and eventually how to take your money out. Instead of a credit card or two, you have access to literally tens of thousands of options, all with different rates, terms, and due dates. Even mortgages, which used to come in one basic flavor—fixed rate, for 30 years—have multiplied into a bewildering array of alternatives.

At the same time, the penalties for making mistakes seem to be escalating every day. It's not just that late fees, bounced-check charges, and over-limit penalties are skyrocketing. There are bigger issues. Choose the wrong health coverage, for example, and you could become one of the hundreds of thousands of people each year who have to file bankruptcy, in part because of medical reasons. Mess up on your retirement, and you could be working well past the age when your peers are on the golf course.

If you're like most people, all of this is simply overwhelming. Even if you do have time to research and understand all your options, you probably feel like you don't have time to properly manage every aspect of your finances the way you'd like while still holding down a job, caring for a family, and enjoying a minute or two of leisure time every once in a while.

The good news is that there is hope. You can winnow down your choices, streamline your financial systems, and take control of your money. A few hours spent with this book and a little time invested in today's personal finance technology can put you on track for your goals and alleviate your anxiety about the details that could otherwise trip you up.

Let's get started.


Full Text Reviews
Appeared in Publishers Weekly on 2007-12-03:
Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. (Jan.) (c) Copyright PWxyz, LLC. All rights reserved
Reviews
This item was reviewed in:
Publishers Weekly, December 2007
To find out how to look for other reviews, please see our guides to finding book reviews in the Sciences or Social Sciences and Humanities.
Summaries
Main Description
Award-winning personal finance columnist Weston introduces the "three pillars" of money simplification--consolidate, automate, and delegate--to alleviate money stress, reduce paper clutter, get records under control, and even safeguarde finances against identity theft.
Main Description
Pulliam Weston ( Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly “If you want to simplify your life and make solid decisions-fast-this book is your answer. It’s one more reason Liz remains one of America’s most trusted financial columnists. Quick, easy, and empowering!” -Jennifer Openshaw, Author of The Millionaire Zoneand CEO, WinningAdvice.com “As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you’ll be exponentially better off tomorrow than you are today.” -Lois P. Frankel, Ph.D., Author of Nice Girls Don’t Get Richand Nice Girls Don’t Get the Corner Office Simplify your financial life& now and forever! " By the Internet’s #1 personal finance expert, MSN’s Liz Pulliam Weston " Stop feeling overwhelmed by your finances: take control, the easy way! " Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English.Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances&save time and money&and live a more rewarding, secure life! www.lizweston.com
Main Description
Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly "If you want to simplify your life and make solid decisions-fast-this book is your answer. It's one more reason Liz remains one of America's most trusted financial columnists. Quick, easy, and empowering!" -Jennifer Openshaw, Author ofThe Millionaire Zoneand CEO, WinningAdvice.com "As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you'll be exponentially better off tomorrow than you are today." -Lois P. Frankel, Ph.D., Author ofNice Girls Don't Get Richand Nice Girls Don't Get the Corner Office Simplify your financial life… now and forever! By the Internet's #1 personal finance expert, MSN's Liz Pulliam Weston Stop feeling overwhelmed by your finances: take control, the easy way! Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English.Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances…save time and money…and live a more rewarding, secure life! www.lizweston.com
Long Description
Pulliam Weston ( Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly "If you want to simplify your life and make solid decisions fast this book is your answer. It's one more reason Liz remains one of America's most trusted financial columnists. Quick, easy, and empowering!" Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com "As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you'll be exponentially better off tomorrow than you are today." Lois P. Frankel, Ph.D., Author of Nice Girls Don't Get Rich and Nice Girls Don't Get the Corner Office Simplify your financial life... now and forever! · By the Internet's #1 personal finance expert, MSN's Liz Pulliam Weston · Stop feeling overwhelmed by your finances: take control, the easy way! · Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English. Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances...save time and money...and live a more rewarding, secure life! www.lizweston.com
Back Cover Copy
If you want to simplify your life and make solid decisionsfastthis book is your answer. Its one more reason Liz remains one of Americas most trusted financial columnists. Quick, easy, and empowering! Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations youll be exponentially better off tomorrow than you are today. Lois P. Frankel, Ph.D., Author of Nice Girls Dont Get Rich and Nice Girls Dont Get the Corner Office Simplify your financial life now and forever! By the Internets #1 personal finance expert, MSNs Liz Pulliam Weston Stop feeling overwhelmed by your finances: take control, the easy way! Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English. Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your financessave time and moneyand live a more rewarding, secure life! www.asklizweston.com/
Table of Contents
Introductionp. 1
Setting Up Your Financial Lifep. 3
Your Financial Toolkitp. 3
Consider Two Checking Accountsp. 8
The Right Ways to Pay Your Billsp. 8
Build Your Control Panelp. 16
Set Up Your Command Centerp. 20
Staying Up-to-Datep. 22
Your Checklistp. 25
Take Charge of Your Spendingp. 27
The 60 Percent Solutionp. 28
The 50/30/20 Planp. 31
How Do I Prioritize My Goals?p. 39
Couples and Moneyp. 41
Your Checklistp. 45
Get the Most Out of Your Credit Cardsp. 47
If You Carry a Balancep. 47
How to Find the Best Card(s)p. 57
Your Checklistp. 60
The No-Sweat Guide to Retirement (and other) Investingp. 61
How to Manage Riskp. 62
Why Beating the Market Is So Toughp. 65
The Three Keys to Successful Investingp. 66
Why Life-Cycle and Target Maturity Funds May Be the Answerp. 70
Which Account Do I Use?p. 73
Coordinating Your Approachp. 75
Getting Helpp. 76
How Much Should I Save for Retirement?p. 77
Ballpark E$timatereg;p. 78
As You Approach Retirementp. 83
Your Checklistp. 85
The Easy Way to Save for Collegep. 87
Why 529 College Savings Plans Rockp. 90
Picking the Right College Savings Planp. 92
Prepaid Tuition Plansp. 93
Your High School Game Planp. 95
What to Do If Yoursquo;re Starting Latep. 95
Your Checklistp. 97
Insurance: Protecting What You Have--And Will Havep. 99
Auto Insurancep. 99
Renters Insurancep. 103
Condo Owners Insurancep. 104
Homeowners Insurancep. 104
Umbrella Liability Policiesp. 107
Health Insurancep. 107
Disability Insurancep. 109
Life Insurancep. 110
Your Checklistp. 115
Buying Homes and Carsp. 117
When Yoursquo;re Ready to Buy a Homep. 117
The Home-Buying Timelinep. 119
Picking the Right Mortgagep. 121
The Smart Way to Buy Carsp. 128
Why We Overspend on Carsp. 129
What to Do i
Table of Contents provided by Publisher. All Rights Reserved.

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