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The money answer book: quick answers to your everyday financial questions
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Black Canyon City Community Library - NF - Nonfiction Books
332.024 RAMSEY
1 available
332.024 RAMSEY
1 available
Cottonwood Public Library - NF - Nonfiction Books
332.024 RAM
1 available
332.024 RAM
1 available
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ISBN
9781404187795
9780849996191
9780849996191
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Table of Contents
From the Book - Regular Print
What are the Baby Steps? 12 --
What counts as taxable income? 14 --
Does the national economy really affect my personal economy? 15 --
What's the most important financial principle? 16 --
What's the deal with debit cards and credit cards? 18 --
Do I need separate accounts for checking and savings? 19 --
Debt, Credit & Bankruptcy 21 --
How do I get the ball rolling to get out of debt? 23 --
Why should I pay off my smallest debts first instead of starting with the highest interest rates? 24 --
How badly do you want to be out of debt? 26 --
Isn't some debt good? 28 --
Is it okay to buy stuff while I'm still in debt? 29 --
Isn't there a positive use of credit cards? Like rebates and airline miles? 30 --
Can debts hurt my military status? 31 --
Why are there so many inquiries on my credit report and what are my rights? 32 --
What are these strange terms on my credit report? 33 --
Does it help to transfer credit card debt to another card? 34 --
How else do the credit sharks bite? 35 --
I'm going to cash out my 401(k) to pay off my debts. Good idea? 36 --
What about debt consolidation or companies that promise to clean up my credit? 37 --
What about consumer credit counseling? 38 --
Should I sell my house to get out of debt? 39 --
I'm able to pay extra to my creditors. What should I do? 40 --
What happens to my parents' debts when they die? 41 --
Oops! I ran up $250,000 on credit cards. What now? 42 --
How should I handle collections people? 43 --
What can I do to stop harassment from creditors? 44 --
I co-signed a loan. How do I get out of it? What if that person is declaring bankruptcy? 46 --
Medical bills are piling up and I don't have insurance. Is bankruptcy the answer? 48 --
I'm trying to reestablish my credit after bankruptcy. Will a low-limit credit card help? 49 --
Help! My car is about to be repo'd! What should I do? 50 --
Help! Someone opened a credit card using my name. What should I do? 51 --
What is bankruptcy? 52 --
Relationships & Money 55 --
How important is financial counseling before we get married? 57 --
Should I help pay my sweetie's debts before we get married? 58 --
Should we have joint or separate accounts? 59 --
Will my fiance's bad credit affect my good rating? 60 --
Help! My sweetie won't kick the credit card habit! What should I do? 61 --
I'm deceiving my spouse about money. How can I come clean? 62 --
I'm better with money, but my spouse is more forceful about it. What can I do? 64 --
What should I do if I win the lottery? 66 --
My husband just left me. How do I protect my credit? 67 --
My spouse's spending is sinking the family. Should we call it quits? 68 --
We've separated and now I might be bankrupt. Should I file? 69 --
My ex isn't paying child support and I don't earn much. How can I make it? 70 --
We're trying to adopt. Should we wait to pay cash or should we borrow the money? 71 --
Why should we teach kids about money? 72 --
When should I start my kid on an allowance? 73 --
Why pay kids commission for things they should do anyway? 74 --
What's a basic way to teach children how to handle money? 75 --
Aren't private schools and private lessons investments into a child's future? 76 --
Should you ever buy a car for your child? 77 --
My kid won't spend her money. What should I do? 78 --
I'm broke and my son just moved back in. What should I do? 80 --
My parents are financially irresponsible. How can I help them? How can I forgive them for teaching me their bad habits? 81 --
Budgeting 83 --
How do I get started on managing my money? 84 --
What are some tips for sticking to a budget? 85 --
What is the envelope system? 86 --
My income is irregular. How can I make a budget? 88 --
Saving & Investing 91 --
Is saving really that important? 93 --
What is the secret to saving? 94 --
How do I get started with investing? 96 --
What are the basics of investing? 97 --
Will I retire with more money if it's invested in a Roth or a traditional IRA? 98 --
What types of investment plans might I be offered? 99 --
How do I set short-term and long-term investing goals? 100 --
Is a small mutual fund a good wedding gift? 102 --
I had a 401(k) with a company that went broke. Do I still get the money? 103 --
Should I cash out or roll over my 401(k)? 104 --
How can I invest in mutual funds with companies that align with my spiritual values? 105 --
20-Somethings, College & Student Loans 107 --
What are the four NEVERs of college saving? 109 --
How can I avoid student loans? 110 --
When does it make sense to go to college? 111 --
What are the basics on ESAs, educational IRAs, 529s, and UTMAs? 112 --
My son lost his scholarship. What should we do? 114 --
I'm a student and I'm behind on bills. What should I do? 115 --
Stewardship 117 --
Is it acceptable to "pause" tithing in tough financial times? 118 --
Is it right to count my church tithes on my tax returns? 119 --
Should my church borrow for a new building? 120 --
I'm making more money now. How should I increase my giving above the tithe? 121 --
Insurance 123 --
What kinds of insurance do I actually need? 125 --
What kind of life insurance should I get for my child and for my spouse? 126 --
What should I look for in good home insurance? 127 --
Retirement & Estate Planning 129 --
When is it too late to start saving for retirement? 131 --
Is a SEPP a good plan for the self-employed? 132 --
What are the best ways to save for retirement? 133 --
Should I pre-pay for my funeral? 134 --
What is a will? 135 --
Do I really need a will? 136 --
What is a living trust? 137 --
Automobiles 139 --
Four tips for buying a vehicle 141 --
Should I buy or lease a car? 142 --
Why buy a used car instead of a new one? 143 --
But I really, really, really want that car! 144 --
Can someone just take over the payments on a car loan? 145 --
How can I get out of my car lease? 146 --
Are extended warranties a good deal? 147 --
Real Estate & Mortgages 149 --
Are we ready to buy a house? 150 --
How aggressive should I be on paying off the house? 151 --
Can I qualify for a mortgage with no credit? 152 --
Which is better-an adjustable or fixed-rate loan? 153 --
What are "points" and PMI? 154 --
What is an 80/20 mortgage and is it a good idea? 155 --
About Dave, FPU, & the Radio Show 158.
From the Book - Regular Print
The basics
Debt, credit & bankruptcy
Relationships & money
Budgeting
Saving & investing
20-somethings, college & student loans
Stewardship
Insurance
Retirement & estate planning
Automobiles
Real estate & mortgages.
Excerpt
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Author Notes
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