TITLE : MAKE YOUR MONEY GROW. REVISED AND EXPANDED ED.

 
CONTENTS
 
PART ONE
MAKING THE MOST OF WHAT YOU HAVE
 
1  HOW TO TAKE CHARGE OF YOUR MONEY 17
How much are you worth?  How to set financial goals  What a
budget can do  Making the budget work
 
2  MANAGING THE DAY-TO-DAY FLOW 31
Ways to squeeze the most out of every dollar  Money-market funds
Interest-earning checking accounts  Money-market deposit accounts *
Asset management accounts  Keeping track of it all
 
3  USING CREDIT WISELY 45
How to tell if you owe too much  The smart way to manage your
credit  Making the best use of credit cards  Finding the best bank
card deal  Travel and entertainment cards  Debit cards  Other lines
of instant credit  Borrowing on your assets  Other kinds of loans -
How lenders size you up  Your credit rights
 
4  WHERE SHOULD YOU TAKE YOUR FINANCIAL BUSINESS? 67
Choices, choices, choices  Banks  Savings and loan associations
Credit unions  Brokerage firms
 
5  YOUR KIDS AND YOUR MONEY 77
Teaching kids about money  Savings for the children's future  Other
ways to shift taxes  Finding the money for college
 
PART TWO  THE ROOF OVER YOUR HEAD
 
6  BUYING, SELLING AND RENTING A HOME 97
The buy or rent decision  The case for ownership  How much
home can you afford?  Qualifying for a mortgage  Finding the right
mortgage  Creative financing for tight markets  Using a real estate
agent  Tax angles of buying and selling  Home sweet tax shelter
 
7  CONDOMINIUMS AND COOPERATIVES 131
What is a condominium?  What is a cooperative?  Advantages and
disadvantages  A guide to the documents  Cautions for condo
buyers  If your rental apartment goes condo  How to shop  Special
cautions for co-op buyers
 
8  MOBILE AND MANUFACTURED HOMES 139
Selecting a site  Cost and quality  Financing the purchase
 
PART THREE  PROTECTION AGAINST CATASTROPHE
 
9  SORTING OUT YOUR INSURANCE COVERAGE 147
The parts of the policy  Life insurance  Health insurance  Auto and
home insurance  Umbrella liability insurance
 
10 INSURANCE ON YOUR LIFE 155
How much do you need?  Life insurance choices  Picking the right
policy  Universal life insurance  Variable life insurance -
Single-premium whole life insurance  Finding the lowest-priced
policies  Making sure the right people collect  How should the
proceeds be paid?  Reasons not to insure your kids  Mail-order life
insurance  Credit life insurance
 
11 INSURANCE ON YOUR HEALTH 179
Popular kinds of coverage  How policies pay off  Deductibles and
limitations  Making sure you have enough  Finding a policy you can
afford  Health maintenance organizations  Preferred-provider
organizations  Triple-option plans  Employer-run plans  Disability
Insurance  Long-term care policies  Special kinds of health
insurance
 
12 INSURANCE ON YOUR CAR 203
Liability protection  Collision protection  Medical payments
Uninsured and underinsured motorists  Comprehensive coverage
No-fault insurance  How your rate is set  Finding the best deal
Making the insurance company pay
 
13 INSURANCE ON YOUR HOME 221
Three costly errors  How policies differ  Keep an inventory
Making a claim  Title insurance
 
PART FOUR  INVESTMENTS FOR TODAY AND TOMORROW
 
14 INVESTING IN TIMES LIKE THESE 235
Sound principles of investing  Investment opportunities in the years
ahead  How not to get ripped off- Hiring help: How to pick a
financial planner
 
15 INS AND OUTS OF COMMON STOCKS 247
Why invest in stocks?  How to pick the right stocks  Devising a
strategy  How to pick the right broker  Cutting the costs of buying
and selling  What investment clubs do  Standing up for your rights -
Eight investment mistakes you don't have to make
 
16 BONDS AND OTHER FIXED-INCOME INVESTMENTS 267
A primer for income investors  How to use the bond ratings  The
lure of high-yield bonds  Buying tips  Zero-coupon bonds -
Government securities  U.S. savings bonds  Tax-free municipal
bonds  Taxable municipal bonds  Certificates of deposit
 
17 MUTUAL FUNDS AND OTHER INVESTMENT POOLS 287
Mutual funds  How to pick a winner  How to tell how your fund is
doing  Closed-end funds  Money-market funds  Unit investment
trusts
 
18 THE BASICS OF REAL ESTATE INVESTING 305
Why real estate can still be attractive  Tips on buying rental
property  Real estate investment trusts  Real estate partnerships -
Master lirnited partnerships  Raw land and undeveloped property
 
19 OPTIONS AND FUTURES 321
Buying and selling stock options  Trading in commodity futures -
Commodity pools
 
20 GOLD, SILVER AND OTHER HARD ASSETS 333
Investing in gold  Investing in silver  Diamonds and other
gemstones  Investing in collectibles
 
PART FIVE  NEW WAYS TO CUT TAXES
 
21 GET ALL THE TAX BREAKS YOU'VE GOT COMING 345
Checklist of tax-saving ideas that still work  Year-end tax tactics -
Getting help with your tax return  What if you're audited?
 
22 THE LAST GREAT TAX SHELTER 361
Municipal bonds: Still strong  Zero-coupon municipals  The
advantages of funds and trusts  The alternative minimum tax
 
PART SIX  YOUR JOB, YOUR RETIREMENT, YOUR ESTATE
 
23 MAKING THE MOST OF YOUR JOB 377
Are you keeping up?  The value of fringe benefits  How to improve
your situation  Jobs with a future
 
24 MONEY ENOUGH TO RETIRE ON 389
How much income will you need?  Sizing up your pension plan -
Profit-sharing plans  Individual retirement accounts  Keogh plans
for
the self-employed  Deferred-pay plans  Simplified employee
pensions  Thrift plans  Buying part of your company  What's social
security have for you?  What to do with a hunk of money  Living off
your home equity
 
25 MAKE A WILL, PLAN AN ESTATE 421
The importance of a will  Planning your estate  Ins and outs of
joint
ownership
 
INDEX 435