The Ultimate Financial Plan

Jim Stovall 지음

Wiley 2011년 08월 24일 출간

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책소개

How to build a financial plan that really blends into your lifeThe latest volume in the bestselling Ultimate series, Jim Stovall and Tim Maurer's The Ultimate Financial Plan: Balancing Your Money and Life is a one-stop, comprehensive, personal financial planning book exploring the intersection of money and life. The Ultimate Financial Plan examines the connection between actions, thoughts, and feelings when it comes to all things financial. The key to getting the most out of your wealth, the authors argue, is certainly found in the wise utilization of tools, like budgets, bank accounts, 401(k)s, IRAs, Roth IRAs, education savings plans, and real estate, as well as home, auto, business, health, disability, and long term care insurance, but even more so in the contentment found in balancing money's influence in our lives with personal values and goals.An insider's look into the recently humbled quot;Big 3quot;m-the banks, brokerage firms, and insurance companiesm-and the inner workings that often set their proprietary goals and objectives above allA critical examination of the role of various financial sales people, advisors, planners, and consultantsA guide to navigating Economic Biasm-a conflict of interest involving moneym-and how it affects every financial decision we makeThe Ultimate Financial Plan is the application of the resources at your disposal for the purpose of living your life to the fullest, and this book will show you the quickest route to getting started on the path to ultimate success.

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Foreword xiPreface xvAcknowledgments xixIntroduction xxiChapter 1 The Gift of Money: Money 101 1The Value of Money 3Money Beliefs 4Chapter 2 The Gift of Purpose: Personal Principles and Goals 7Personal Principles 7Goals 10Chapter 3 The Gift of Discipline: Household Cash Flow 17Personal Financial Statements 17Financial Crises 25Chapter 4 The Gift of Enough: Debt and Financial Freedom 27Financial Freedom 28The Danger of Discontent 29Emergency Reserves 32Bad Debt 35Better Debt 39Economics and Emotions 41The Cure for More 43Chapter 5 The Gift of Discernment: Risk Management Decisions 45The Accident 47Risk Management Techniques 48How Insurance Works 50Chapter 6 The Gift of Security: Life Insurance 55Life Insurance: Why? 55Life Insurance Needs 59Life Insurance: How? 62Life Insurance Wants 67Different Types of Life Insurance 70Purchasing Life Insurance 73Chapter 7 The Gift of Certainty: Auto, Home, and Liability Insurance 77Auto Insurance 79Homeowner&'s Insurance 82Excess Liability (Umbrella) Insurance 84Chapter 8 The Gift of Health: Health, Disability Income, and Long-Term Care Insurance 87Health Insurance 89Types of Plans 89HSAs and FSAs 90Recent Health Insurance Changes 93Disability Income Insurance 95DI Moving Pieces 96Social Security, Medicaid, and Medicare 99Long-Term Care Insurance 100LTC Moving Pieces 101Chapter 9 The Gift of Clarity: Investing and Portfolio Management 107Stocks and Bonds 109All Things Considered Equal? 111Mutual Funds 112Economic Analysis 115Market Valuation Analysis 117Technical Market Analysis 118<

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저자(글) Jim Stovall

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Jim Stovall is among today's most sought-after motivational speakers. The author of fifteen books, including the bestselling The Ultimate Gift and The Ultimate Life, both of which have been made into major motion pictures by 20th Century Fox, he has been a champion Olympic weightlifter, a successful investment broker, and an entrepreneur. He is the cofounder and President of the Emmy Award~winning Narrative Television Network, which makes movies and television accessible for America's thirteen million blind and visually impaired people and their families. In June 2000, Stovall was selected as the International Humanitarian of the Year.Tim Maurer is a financial planner, educator, and blogger. He is Vice President of the Financial Consulate, a Fee-Only financial management firm in Hunt Valley, Maryland. He teaches financial planning at his alma mater, Towson University, and educates through his blog, TimMaurer.com. Maurer has been a frequent guest on CNBC and featured on ABC's Nightline. The co-host of Money, Riches Wealth, a weekly Baltimore radio show, he has contributed to the Wall Street Journal, the New York Times, the Washington Post, and Money magazine, among other leading publications.