MONEY: Make, Manage, & Multiply I

Table of Contents

Preface.

1. Introduction

• Five Major Money Activities
• Money and Your Mind
• Money in Your Future
• Goals for Getting There
• The Official Disclaimer
• Looking Ahead
• Time for a Pop Quiz
• Working On It

2. Your Paycheck.

• Introduction
• Payroll Deductions
• Working On It

3. Taxes (and Legally Avoiding Them)

• Income Tax Withholding Amounts
• Expense Deductions
• Using Tax-deferred Savings to Reduce Taxes
• Sales Tax Holidays
• Do You Live in the State of Taxes?
• Working On It

4. Earning and Increasing Your Income.

• Introduction
• Making More Money
• Work More
• Do a Good Job
• Increase Your Education and Training
• Gain Useful Experience
• Develop Positive Personal Qualities
• Shop the Labor Market
• Run Your Own Business or Invent Something
• Invest Your Savings to Make More Money
• Dealing with Variable Income
• The Cost of Working
• Calculating Your Annual Net Income
• Reflection
• Working On It
• Quicky Quiz #1

5. Spending (and Controlling It).

• Introduction
• Spending Lifestyles
• The “Budge It”
• Tracking Spending
• “Core” Monthly Expenses
• “Periodic” Annual Expenses and Your Varia-Bills
• Combining Expenses: Core + Periodic
• Recording Your Checks and Checking Your Records
• Working On It

6. Your Personal Profit Position

• Personal Profit: Income Minus Expenses
• Your Rolling Profit Position
• Working On It
• Quicky Quiz #2

7. Special Purchases & Spending Tips

• Buying a Home
• Selling Your Home
• Buying a Car
• Buying Insurance
• Buying a Higher Education
• 3 Dozen Ways to Control Spending
• Working On It

8. Managing Debt & Credit

• Credit Cards
• Checking Your Credit
• When It Pays to Borrow
• Bankruptcy
• Working On It
• Quicky Quiz #3

9. Building Wealth by Saving.

• Saving
• Building Wealth
• Personal Balance Sheet
• Working On It

10. Building Wealth by Investing.

• Introduction
• What is Stock
• What is a Stock Mutual Fund?
• Stock Market Terminology
• How Much Is a Stock Worth?
• What is a Bond?
• Investing
• Alternatives
• Risk and Return
• Assumptions and Hidden Risks
• Asset
• Diversification
• Investing in Mutual Funds
• Investments and Taxes
• Real Rate of Return
• Investment Logic
• Investment Costs
• Information Sources and Tools
• Dollar Cost Averaging
• Is Time on Your Side?
• Heading into Retirement
• Documents You Should Have Now
• Working On It
• Quickie Quiz #4

11. Enjoying Life.

12. Wrapping Up.

13. Quicky Quiz Answers

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