Let's Get Real About Money! Profit from the

Correct the habits putting you financially at risk and build the proven good habits that lead to long-term success. bull; By Eric Tyson, America's #1 personal finance author (5,000,000 copies sold!) award winning columnist, and financial counsellor. bull; Contains worksheets, checklists and tools for transforming your financial life. bull; Tyson offers proven, comprehensive, highly practical advice on a broad range of issues supported by cited research and his own experiences as a practitioner.

With more than 5 million books sold, Eric Tyson is one of the top bestselling personal finance authors in the country and has penned five national best-sellers. (He is also the only author to have four of his books simultaneously on Business Week’s business book best-seller list.) His syndicated newspaper column, “Investor’s Guide,” is read by more than 4 million people nationwide. His Personal Finance for Dummies, which was a Wall Street Journal bestseller, won the Benjamin Franklin Award for Best Business Book of the Year. Eric’s work has been featured and quoted in hundreds of publications and media outlets, including Newsweek, The Wall Street Journal, Los Angeles Times, Chicago Tribune, Forbes, Kiplinger’s Personal Finance Magazine, Money, Worth, Parenting, USA Today, and on ABC, Fox, PBS Nightly Business Report, CNN, CNBC, and on CBS national radio, NPR’s Marketplace, and Bloomberg Business Radio. He’s also been a featured speaker at a White House conference on retirement planning.

Eric is a former management consultant to Fortune 500 financial service firms. In 1990, Eric founded a financial counseling firm that worked exclusively on an hourly basis. In addition to his counseling work, Eric also hoped to make an impact in the writing and media fields. Much of the personal finance writing and reporting he saw and heard was biased, jargon-laden and, in some cases, provided bad advice. In addition to his writing and counseling, Eric also taught the nation’s most highly attended personal financial management course at the University of California. He has spoken at many corporations and nonprofits. His educational background includes having earned his bachelor’s degree in economics at Yale and an MBA at the Stanford Graduate School of Business.

Getting Real, Not Real Obsessed, About Your Money	p. 1
The Surprising Wealth-Happiness Connection	p. 4
Buying the Good Life	p. 6
Choosing Your Role Models	p. 7
The Power of Money Knowledge	p. 9
The Basics	p. 9
	p. 13
Scoring and Evaluating Your Quiz Results	p. 14
Key Concepts	p. 15
Answers to Personal Finance Quiz II	p. 19
Getting Motivated	p. 23
Avoidance Behaviors	p. 27
Understanding Why We Procrastinate	p. 29
Conquering Money Avoidance and Disorganization	p. 30
Your Money Beliefs and Practices	p. 35
Your Money History	p. 36
Taking Stock of Your Money Background	p. 37
Your Friends and Money	p. 39
Your Environment and Money	p. 40
Developing Your Personal Financial Action Plan	p. 41
Background Information	p. 43
Goals and Concerns	p. 44
Assets	p. 44
Planning	p. 47
Net Worth Calculation	p. 48
Retirement Expectations Versus Means	p. 48
Pension Decisions	p. 59
Major Purchase Planning	p. 63
College Cost Planning	p. 64
Prioritizing Different Goals	p. 66
Love and Money	p. 67
How Men and Women Handle Money Differently	p. 69
Finding Financial Peace as a Couple	p. 72
Money and Divorce	p. 78
Money Passed Down: Estates and Inheritances	p. 80
Families and Money	p. 83
Priorities: Work Versus Family	p. 85
Balancing Family and Work: Spend Less, Work Less	p. 87
Teaching Kids About Money	p. 92
What (and How) Kids Learn About Money	p. 93
Getting Children on the Right Financial Path	p. 95
Valuing Saving and Spending	p. 103
Why Most People Have Trouble Saving Enough	p. 104
Buying Things You Don't Need	p. 109
Excess Spending and Its Consequences	p. 111
Can You Save Too Much?	p. 113
Postponing Achievable Dreams	p. 116
When Enough Never Is	p. 118
Hoarding and Cheating	p. 120
Gaining Appreciation for What You Have	p. 120
Balancing Spending and Saving	p. 122
Establishing a Savings Foundation	p. 123
Giving Yourself an Unfair Advantage	p. 124
Keeping Money Accumulation in Proper Perspective	p. 131
Your Spending Plan	p. 135
Tracking Your Spending	p. 136
Necessities Versus Luxuries	p. 138
Budgeting Strategies	p. 139
Ways to Reduce Your Expenditures	p. 141
Housing Expenses	p. 141
Taxes	p. 142
Food and Dining	p. 143
Autos and Transportation	p. 143
Recreation and Entertainment	p. 144
Clothing	p. 144
Utility Bills	p. 145
Insurance	p. 145
Kid-Related Expenses	p. 146
Charitable Contributions	p. 146
Reducing Your Taxes	p. 147
Using Your Tax Rate	p. 149
Taxes and Children	p. 153
Borrowing and Debt Management	p. 155
Ways to Borrow in Emergencies	p. 156
Right Reasons to Borrow	p. 157
Borrowing for Home Purchases	p. 159
Choosing a Mortgage	p. 160
Refinancing	p. 162
Paying Off Debt Early	p. 163
Assessing Consumer Debt	p. 164
Strategies for Getting Out from Under High-Cost Consumer Debt	p. 165
Compulsive Spenders and Debtors	p. 166
Do You Have a Shopping Problem?	p. 167
Investing for Bountiful Harvests	p. 169
Proven Intelligent Investments	p. 172
Stocks	p. 173
Real Estate	p. 176
Small Business	p. 179
"Safe Money" Investments	p. 180
Investing in Stocks or Funds	p. 181
Cultivating Good Investing Habits	p. 191
Understanding Fees	p. 193
Monitoring and Trading Your Investments	p. 194
Chasing Hot Sectors	p. 197
Developing Better Investing Habits	p. 199
Pundits, Predictions, and Confronting Your Fears	p. 203
Jim Cramer: Stock Market Maven or Uncalibrated Opinions?	p. 204
How Predictions Affect Investors	p. 208
Addressing Investing Fears	p. 211
Your Investing Plan	p. 213
Assessing Your Current Portfolio	p. 215
Asset Allocation	p. 217
Worksheet-Asset Allocation for Retirement	p. 218
Allocations for Shorter-Term Goals	p. 224
Next Steps	p. 225
Selecting the Best Mutual Funds	p. 225
Selecting the Right Money Fund	p. 228
Investing in Stock and Bond Funds	p. 229
Worksheet for Actively Managed Funds	p. 232
Insurance	p. 237
Don't Sweat (Insurance for) the Small Stuff	p. 239
Insurance Not to Buy	p. 241
Buying Your Way out of the Costliest Risks	p. 242
Long-Term Disability Insurance	p. 243
Life Insurance	p. 244
Health Insurance	p. 247
Insurance on Your Assets	p. 248
Managing Risks Involves More Than Buying Insurance	p. 249
Buy a Home at Low Risk for Natural Disasters	p. 250
Maximize Your Personal Health	p. 252
Buy a Safe Car and Reduce Your Driving Risks	p. 253
Conquer and Avoid Addictions	p. 256
Gambling	p. 258
Substance Abuse: Drugs and Alcohol	p. 261
Smoking	p. 268
Protecting Teens and Kids	p. 271
Your Insurance Plan	p. 273
Health Insurance	p. 274
Disability Insurance	p. 277
Life Insurance	p. 280
Will, Trusts, and Estate Planning	p. 281
Auto Insurance	p. 283
Home Insurance	p. 285
Excess Liability Insurance	p. 286
Information and Edutainment Resources	p. 287
Understanding the Role of Advertising	p. 288
Question What You Read and Hear	p. 292
Books	p. 295
Who's Your Rich Dad?	p. 298
Financial Books and Authors Worth Reading	p. 300
Hiring Financial Help	p. 303
The Keys to Finding the Best Advisors	p. 305
Financial Advisors and Planners	p. 308
Budget Counselors	p. 310
Investment Managers	p. 311
Real Estate Agents	p. 313
Tax Preparers and Advisors	p. 317
Insurance Agents	p. 318
Attorneys	p. 318
Table of Contents provided by Ingram. All Rights Reserved.

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Let's Get Real About Money! Profit from the Habits of the Best Personal Finance Managers

Summary

Author Biography

Table of Contents

Supplemental Materials