The Money Class Learn to Create Your New American Dream
by Orman, SuzeFormat: Hardcover
Pub. Date: 2011-03-08
Publisher(s): Random House
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Summary
This book is solid advice from the dependable Mrs.Suze Orman (information can be used as self-help or as a solid base to consult a professional or both depending on your circumstances). The book is truly a well rounded all in one investment/wealth builder covering a wide variety of investment/wealth builder aspects from wise use of credit, student financial aid, real estate investment, stock market investment, retirement planning, mutual funds investments, life insurance & disability. This is a solid advice for one to able to make intelligent choices on savings, investment & retirement planning, a must read for every family, a highly recommended investment reading.
Author Biography
Suze Orman is a two-time Emmy Award–winning television host, #1 New York Times bestselling author, magazine and online columnist, writer/producer, and one of the top motivational speakers in the world today.
Orman has written eight consecutive New York Times bestsellers and has written, co-produced, and hosted seven PBS specials based on her books. She is the seven-time Gracie Award–winning host of the Suze Orman Show, which airs on CNBC, and of the forthcoming Money Class on OWN: The Oprah Winfrey Network. She is also a contributing editor to O: The Oprah Magazine.
Twice named one of the “Time 100,” Time magazine’s list of the world’s most influential people, and named by Forbes as one of the 100 most powerful women, Orman was the recipient of the National Equality Award from the Human Rights Campaign. In 2009 she received an honorary doctor of humane letters degree from the University of Illinois at Urbana-Champaign and in 2010 she received an honorary doctor of commercial science from Bentley University.
Orman, a Certified Financial Planner™ professional, directed the Suze Orman Financial Group from 1987 to 1997, served as Vice President—Investments for Prudential Bache Securities from 1983 to 1987, and was an account executive at Merrill Lynch from 1980 to 1983. Prior to that, she worked as a waitress at the Buttercup Bakery in Berkeley, California, from 1973 to 1980.
Orman has written eight consecutive New York Times bestsellers and has written, co-produced, and hosted seven PBS specials based on her books. She is the seven-time Gracie Award–winning host of the Suze Orman Show, which airs on CNBC, and of the forthcoming Money Class on OWN: The Oprah Winfrey Network. She is also a contributing editor to O: The Oprah Magazine.
Twice named one of the “Time 100,” Time magazine’s list of the world’s most influential people, and named by Forbes as one of the 100 most powerful women, Orman was the recipient of the National Equality Award from the Human Rights Campaign. In 2009 she received an honorary doctor of humane letters degree from the University of Illinois at Urbana-Champaign and in 2010 she received an honorary doctor of commercial science from Bentley University.
Orman, a Certified Financial Planner™ professional, directed the Suze Orman Financial Group from 1987 to 1997, served as Vice President—Investments for Prudential Bache Securities from 1983 to 1987, and was an account executive at Merrill Lynch from 1980 to 1983. Prior to that, she worked as a waitress at the Buttercup Bakery in Berkeley, California, from 1973 to 1980.
Table of Contents
| How to Enter The Classroom | p. xv |
| The New American Dream | p. 3 |
| Making Change | |
| The Dreams of Tomorrow Reside in Today's Choices | |
| The Money Class Curriculum | |
| Stand In Your Truth | p. 11 |
| Finding Your Truth: A Personal Financial Accounting | p. 13 |
| Living Truthfully: How To Stand Tall In Your Reality | p. 15 |
| Focus on What Is Real Today... and What You Will Need Tomorrow | |
| Live Below Your Means but Within Your Needs | |
| The Pleasure of Saving Is Equal to the Pleasure of Spending | |
| Define Yourself by Who You Are, Not What You Have | |
| The Foundation Of All Truthful Living: The Power Of Cash | p. 21 |
| Debit Card Rules | |
| The "Life Happens" Fund | |
| Credit Unions: A Great Place to Save | |
| Safety First with Your Savings | |
| Saving for Big-Ticket Items | |
| The Truth Will Indeed Set You Free | |
| Family | p. 28 |
| How to Build Honest Family Relations | p. 31 |
| Opening the Lines of Communication | |
| How To Raise Young Children To Stand In The Truth | p. 34 |
| Your Priceless Legacy | |
| Set the Right Tone | |
| Imparting Good Values When It Comes to Money | |
| Money Lessons for Children | |
| Money Lessons for Tweens and Teens | |
| Money Lessons for Teenagers Heading to College | |
| How to Handle Money Gifts and Savings | |
| The Three-Option Approach | |
| How To Create a Financially Honest College Strategy | p. 48 |
| Who Should Save for College | |
| The Best Way to Save for College: 529 Plans | |
| UGMA/UTMA | |
| Coverdell Accounts | |
| How to Invest Your 529 Plan | |
| The College Talk Every Parent Must Have with a High School Freshman | |
| Borrowing Rules for College Loans | |
| The Risks of Private Loans for College | |
| Stafford Loans | |
| PLUS Loans | |
| How to Choose the Right School | |
| How To Help Adult Children Facing Financial Challenges | p. 64 |
| How to Handle Student Loans That Are in Default | |
| How and When to Help Independent Children Who Are in Financial Trouble | |
| The Conversation Every Adult Child Should Have With His Or Her Parents | p. 69 |
| Building Family Financial Security Under One Roof | |
| Updating Legal Documents | |
| When a Parent Remarries | |
| Advice For Grandparents: How to Build a Lasting Legacy | p. 73 |
| Follow the Parents' Lead | |
| Pay It Forward | |
| Give Experiences, Not Things | |
| Home | p. 77 |
| The Truth About Home Values | p. 81 |
| A Decade of Extremes | |
| A Home Is a Savings Account, Not a Hot Stock | |
| Financing Is Cheap, but Not Easy | |
| When It Makes Sense To Rent | p. 84 |
| The Math of Rent vs. Buy | |
| Advice for Owners Who Now Want to Rent | |
| The New Rules Of Buying a Home | p. 87 |
| Set a Budget That Satisfies Your Needs | |
| Know Your Income Limits | |
| Aim to Make a 20% Down Payment | |
| A Special Note About FHA-Insured Loans | |
| Special Rules for Buying Condos and Co-ops | |
| Where to Come Up with the Down Payment | |
| Opt for a 30-Year Fixed-Rate Mortgage | |
| Understand the Risk of Distressed Property | |
| What To Do If You Are Underwater | p. 98 |
| If You Are Underwater and Cannot Afford Your Mortgage | |
| Loan Modificaiton | |
| Short Sale | |
| Foreclosure | |
| If You Are Underwater but You Can Afford the Mortgage | |
| How To Reduce Mortgage Costs | p. 110 |
| When It Makes Sense to Pay Off a Loan Ahead of Schedule | |
| The New Realities of Refinancing | |
| Refinancing Rules | |
| Lower Your Mortgage Costs Without a Refinance | |
| The Dangers Of Home Equity Lines Of Credit | p. 114 |
| The Dangers of Rising Interest Rates and Falling Behind on Payments | |
| Home Equity Loans | |
| Reverse Mortgages | p. 116 |
| Reverse Mortgage Basics | |
| Investing In Real Estate | p. 119 |
| What You Need to Know Before You Buy Investment Property | |
| What to Do with an Investment Property That Is Underwater | |
| Career | p. 122 |
| Advice For The Employed | p. 125 |
| Build Your Plan-for-the-Worst Fund | |
| Live Below Today's Means | |
| Grab Your Full Retirement Bonus | |
| Make Your Case for a Raise and Promotion Through Your Work | |
| How to Ask for a Raise | |
| Change Your Attitude Before You Change Your Job | |
| Advice For The Unemployed | p. 133 |
| Cut Your Spending Immediately | |
| Do Not Dip into Your Retirement Savings | |
| Make Sure Your Credit Profile Remains Strong | |
| Do Not Go Back to School to Avoid a Hard Job Market | |
| Get to Work as Fast as Possible, Rather Than Holding Out for a Better Offer | |
| How to Deal with a Steep Pay Cut | |
| A Special Note for Stay-at-Home Moms | |
| Starting (And Running) Your Own Business | p. 139 |
| Launching a Business: Can You Afford It? | |
| Where to Get the Money to Start Your Business | |
| A Few Words About Micro Lending | |
| Running Your Own Business | |
| When to Expand | |
| When to Close | |
| Standing in Your Truth in Business | |
| Closing Down a Business Responsibly | |
| A Note About the Retirement Classes | p. 153 |
| The Money Navigator: A Special Offer for Readers of The Money Class | p. 154 |
| Retirement Planning: Getting Going In Your 20S And 30S | p. 155 |
| Time Is Your Greatest Asset | p. 159 |
| Getting Started Early | |
| With Lower Returns, Savings Are More Important Than Ever | |
| Retirement Accounts Explained | p. 161 |
| Retirement Plans Offered by Employers | |
| Retirement Plan Withdrawal Rules | |
| Non-Workplace Retirement Accounts | |
| Nondeductible IRAs | |
| Roth IRAs | |
| Retirement Plans for the Self-Employed | |
| How Much You Need To Save For Retirement | p. 166 |
| The Retirement Formula | |
| The Best 401(k) and IRA Strategy | |
| A Word on Vesting | |
| Where to Open an IRA Account | |
| Investing Your Retirement Money | p. 173 |
| The Ups and Downs of the Stock Market | |
| Dollar Cost Averaging | |
| How Much to Invest in Stocks | |
| Choosing the Best Options Within Your 401(k) | |
| How to Build the Best 401(k) Investment Portfolio | |
| Exchange Traded Funds | |
| Bond Investments | |
| Retirement Planning Mistakes to Avoid | |
| What to Do with Your 401(k) When You Leave a Job | |
| Retirement Planning: Fine-Tuning It In Your 40S And 50S | p. 190 |
| Deciding When It Makes Sense To Pay Off Your Mortgage | p. 194 |
| Questions to Ask Yourself | |
| The Benefits of Paying Off Your Mortgage | |
| How to Pay Off Your Mortgage Ahead of Schedule | |
| Have A Realistic Plan For Working Until Age 66-67 | p. 203 |
| Your Work-Longer Game Plan | |
| Delay Your Social Security Benefit | p. 207 |
| Social Security Basics | |
| Social Security Strategies | |
| Estimate Your Retirement Income: How Are You Doing? | p. 214 |
| Social Security Benefits | |
| Retirement Accounts | |
| Pensions | |
| Lump Sum vs. Annuity | |
| Saving More, And Investing Strategies In Your 50S | p. 223 |
| How to Invest Smart | |
| Making the Most of What You Have | |
| Best Investments Outside Your 401(k) | |
| Bond Investments | |
| No Target Funds Allowed | |
| Plan For Long-Term Care Costs | p. 234 |
| When to Buy | |
| Making the Financial Case for LTC Insurance | |
| Health Insurance, Medicare, and Medicaid | |
| LTC Basics | |
| Living In Retirement | p. 248 |
| Home Finances: Stand In The Truth Of What Is Affordable For You | p. 251 |
| The Affordability Issue | |
| Start the Discussion | |
| Coping With The High Cost Of Healthcare In Retirement | p. 253 |
| Rising Costs vs. Your Annual Retirement Income | |
| Long-Term Care Premium Increases | |
| Stick To a Sustainable Withdrawal Rate | p. 255 |
| The Right Rate | |
| How to Make Tax-Smart Withdrawals | |
| Avoid Long-Term Bonds And Bond Funds | p. 259 |
| What You Must Understand About Bonds | |
| How to Build a Bond Ladder | |
| Beyond Treasury Bonds: Municipal Bonds and Corporate Bonds | |
| Earn Higher Yields by Investing In Dividend-Paying ETFS And Stocks | p. 264 |
| The Case for Dividend-Paying ETFs and Stocks | |
| Stock Dividend Basics | |
| The Protection of a Stop-Loss Order | |
| How Much to Invest | |
| How to Choose a Dividend-Focused ETF | |
| Tips for Owning Individual Dividend-Paying Stocks | |
| Double-Check Your Beneficiaries And Must-Have Documents | p. 275 |
| Life-Changing Events | |
| The Ultimate Lesson | p. 277 |
| Clearing My Own Roadblocks | |
| The Road Ahead, Not the Rearview Mirror | |
| The Legacy We Create | |
| Table of Contents provided by Ingram. All Rights Reserved. |
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