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 simple steps that will improve your level of financial literacy as well as help you forge the financial future you desire.
Today, financial knowledge means financial power, and in Your Financial Action Plan, you'll be introduced to the important personal financial issues that affect your life.
With this book as your guide, you'll learn how to:
* Make the most of your mortgage * Maintain a good credit rating * Build your retirement savings * Negotiate with your local bank to get the best deals * Navigate the ins and outs of insurance * Create a will * Handle tax deductions and credits * And much more
Filled with practical guidance and extensive expertise, Your Financial Action Plan will help you build the type of financial life you've always wanted.
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(k)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 at 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 personal finance. For over a decade, he has given consumers expert advice on their important finan-cial matters. Mr. Cunningham is the Chief Operating Officer of Bankrate, Inc., which operates Bankrate.com, the most-visited personal finance rate information Web site in the world. Mr. Cunningham and his colleagues provide consumers with comparative data and practical advice on CDs, mortgages, auto loans, banking, taxes, and financial planning. Bankrate.com helps consumers to select the best financial institution for their particular needs. Bankrate provides financial data and information to a network of more than 75 partners, including Yahoo!, America Online, the Wall Street Journal, and the New York Times. Cotter Cunningham has a unique background and perspective on personal finance. He has spent almost his entire career in finance, from working as a loan officer and running an Internet-based credit card program, to advising companies on financial strategy. Cotter believes the first step in financial independence is to foster a basic understanding of the who, what, why, where, and when of financial matters. In Your Financial Action Plan, he provides readers with the knowledge they need to plan their financial future. He lives in Palm Beach Gardens, Florida, with his wife and children.
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