Оглавление
Floyd Saunders. Family Financial Freedom
Family Financial Freedom. Floyd Saunders
Dedication
Acknowledgments
Introduction
Getting Started
Why People Fail and What You Can Do to Succeed
“I’ll start tomorrow. Anyway, I don’t have the money to save now.”
“I can’t look that far ahead.”
“I was never very good at understanding money.”
“If I’m lucky, I won’t have to think about my financial future.”
Roadblocks to Financial Freedom
The Financial Planning Process
How the Rule of 72 Effects Your Money
Managing Your Cash
Self-Evaluation - Are you ready for Financial Freedom
What Are Your Financial Goals?
Your Net Worth
What Do You Have Now
How To Get Where You Want To Be
Make your Money Work For You
How Do You Spend Your Money
Budget Planning
Do You Have Problems
CUTTING COSTS
The Value of an Annual Review
Your Income Taxes
The Basics of Tax Planning
Determine You Tax Liability
Organizing Your Taxes
Expenses
Income
Other Records To Keep
Reducing Your Taxes
Self-Evaluation Taxes
Building A Base For Family Financial Freedom
Laying the Foundation for Financial Success
Developing Your Investment Structure
Preparing For Your Security
Developing Your Insurance Plan
Managing Your Insurance Policies
Reducing the Cost of Insurance
Insurance Self-Evaluation
Financing Your Future
Investments and Risk vs. Return
Selecting The Right Investments For You
Short-Term Interest-Earning Investments
Savings Alternatives
Long-Term Fixed Income Investments
Self-Evaluation - Financing Your Future
Stock Market Investments
Common Stock
Preferred Stock
Reading a Stock Table
Quotes On The Internet
Common Stock Purchasing Strategies
Buy and Hold
Market Timing
Growth Investors
Value Investors
Undervalued Stocks or Growth with a Reasonable Price
Summary
Action Plan
Mutual Funds and Exchange Traded Funds
Benefits of Mutual Funds
Types of Mutual Funds
Growth Funds
Growth and Income Funds
Income Funds
Bond Funds
Balanced Funds
Specialized Funds
Selecting a Mutual Fund
Load vs. No-Load Funds
Exchanged Traded Funds
Accumulation Plans
Reinvestment Plans
Withdrawal Plans
Gathering Mutual Fund Information
Mutual Fund Prospectus
What Are The Fund’s Investment Returns?
What Are The Fees and Expenses?
Are There Potential Conflicts of Interest?
The Best Mutual Funds
Summary
Action Plan
Investing in Real Estate
Home Ownership
Down Payments
Mortgage Options
Step One Check Your Credit
Your Credit Score
Step Two Determine How Much You Can Afford
Step Three Get Prequalified for a Loan
Real Estate as an Investment
Evaluating Investments
Evaluating Risks
Financial Risk
Market Risk
Interest Rate Risk
Management Risk
Successful Investing
Eight Rules for Successful Investing
Investments Self-Evaluation
Retirement Planning
The Cost of Retirement
Generating Tax-Deferred Income
The Reality of Social Security
Social Security
What You Need to Know About Pensions
Single Annuity or Joint and Survivor Annuity Benefits
Section 401(k), 403(b), and Other Salary Reduction Plan Benefits
Individual Retirement Plans and 401k Accounts
Your IRA Choices
401(k) Plans, The Golden Ticket
Where To Put Tax-Deferred Funds
Taxes and Early Withdrawals
The Truth About Annuities
Fixed vs. Variable Annuities
Fixed Annuities
Variable Annuities
Before You Buy an Annuity Consider the Following
Retirement Self-Evaluation
Yes You Need an Estate Plan
Why You Need Estate Planning
What You Want to Know About Estate Distribution
Why You Must Have a Will
How Your Estate May Be Taxed
Advanced Estate Planning Techniques
Trust Accounts
Revocable Living Trust
Testamentary Trust
Charitable Remainder Trust
Life Insurance as a Trust
Private Foundation
Charitable Remainder Unitrust (CRUT)
Estate Planning Self Evaluation
Summary
How Professional Planners Can Help
Begin Today
