Featuring personal finance strategies from one of the world’s leading financial services companies, this guide presents easy-to-understand guidance for dealing with common situations and challenges regardless of income level. With an emphasis on education and good financial planning, topics discussed include financial planning for homeowners, investing responsibly, planning for the future, and dealing with unexpected changes that can adversely affect one’s finances—such as credit card theft, divorce, job loss, or a medical emergency. With straightforward steps for creating a financial roadmap and getting one’s finances in order, the guide addresses budgeting, personal savings, investments, insurance, planning for education costs, retirement planning, and debt control in ways that maximize financial confidence and are applicable to a wide range of situations.

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nexusstc/Citi's Commonsense Money Guide for Real People/87b44d1d2779ed2016603bf60d382888.pdf

zlib/Business & Economics/Personal Finance/Dara Duguay/Citi's Commonsense Money Guide for Real People_963148.pdf

The Citi Commonsense Money Guide for Real People : Pay Down Your Debt, Make the Most of What You've Got, Put Away a Little Something for the Future

Knight, Bill; Duguay, Dara; Citigroup (Firm)

edited by Bill Knight & Dara Duguay

ECW Press Ltd.

Canadian ed., Toronto, Ontario, 2009

Canada - English Language, Canada

Canadian ed, Toronto, c2009

до 2011-01

lg538715

producers:
QuarkXPress(R) 7.5

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Print version record.

Citi, one of the world's leading financial services companies, presents a personal finance guide containing useful and easy-to-understand situations and potential strategies on a wide range of basic financial challenges that people like you and your family may face. The Citi Commonsense Money Guide for Real People is divided into three major parts. The first, Get Back on Track, takes a look at several situations where people often find themselves backed up against a financial brick wall. Get Back on Track suggests some practical ways to deal with these challenges. The second part of the book is called Basic Training. Here, the subjects include kids, owning homes, investing responsibly, and planning for the future. The third and final part focuses on those unexpected curveballs life throws at you. It could be someone stealing your credit card, or the double-whammy of emotional and financial stress that comes from a divorce. Or, it could be a joyful life change like a wedding or an inheritance. Regardless of income level, everyone can use a financial road map that addresses budgeting, personal savings, retirement, education costs, investments, insurance, and debt control. Yet today many people are without a plan and are at risk of having a life crisis – job loss, medical emergency, divorce or death of a spouse – trigger a financial crisis. The Citi Commonsense Money Guide for Real People lays out simple options for dealing with everyday money challenges. With access to these financial education concepts, you too may learn to be more confident in your financial decisions and, ultimately, more in control of your money.

ECW Press
Copyright 3
Contents 4
Acknowledgments 6
Disclaimer 8
Foreword by Sandy Weill, Citigroup Chairman Emeritus 13
Introduction 14
PART 1 GET BACK ON TRACK 18
CHAPTER 1 MAKING YOUR FINANCIAL PLAN 20
CHAPTER 2 MAKING DO BETWEEN PAYCHEQUES 28
CHAPTER 3 DRIVING AWAY CAR LOAN PROBLEMS 34
CHAPTER 4 MORTGAGE MATTERS 42
CHAPTER 5 COVERING TUITION COSTS 49
CHAPTER 6 SPEND LESS TO SEND MONEY 57
CHAPTER 7 KEEPING CREDIT IN CHECK 64
CHAPTER 8 DISPATCHING DEBT 76
PART 1 SUMMARY 84
PART 2 BASIC TRAINING 90
CHAPTER 9 BUILDING A BUDGET 92
CHAPTER 10 SHARING A FINANCIAL LIFE 101
CHAPTER 11 RAISING AND EDUCATING CHILDREN ABOUT MONEY 108
CHAPTER 12 HOME SWEET HOME LOANS 119
CHAPTER 13 INSURING YOURSELF, YOUR FAMILY, AND YOUR PROPERTY 131
CHAPTER 14 BEING SMART ABOUT SAVING FOR AN EDUCATION 138
CHAPTER 15 INVESTING IN LEARNING ABOUT INVESTMENTS 145
CHAPTER 16 GLIDING THROUGH THE GOLDEN YEARS 158
PART 2 SUMMARY 169
PART 3 CURVEBALLS 174
CHAPTER 17 SAVING YOUR (FINANCIAL) LIFE 176
CHAPTER 18 BUDGET BUSTERS: HOLIDAYS AND SPECIAL EVENTS 182
CHAPTER 19 BALANCING THE BOOKS BETWEEN JOBS 191
CHAPTER 20 FIGHTING CREDIT FRAUD AND IDENTITY THEFT 199
CHAPTER 21 UNTYING THE KNOT 209
CHAPTER 22 BLENDING FINANCES IN A BLENDED FAMILY 217
CHAPTER 23 LOSING A SPOUSE 224
CHAPTER 24 MANAGING INHERITED MONEY 233
PART 3 SUMMARY 241
Glossary 246
Appendix 274
Setting Financial Goals Worksheet 274
Debt Total Worksheet 276
Monthly Debt Percentage Worksheet 277
Budget Worksheet 278
Budget Summary 283
Event planning Budgeting 284
Net Worth Worksheet 285
Index 286
ISBN-13:,9781550228656

Front Cover; Spine; Copyright; Table of Contents; Acknowledgments; Disclaimer; Foreword by Sandy Weill, Citigroup Chairman Emeritus; Introduction; PART 1 GET BACK ON TRACK; PART 2 BASIC TRAINING; PART 3 CURVEBALLS; Glossary; Appendix; Index; Back Cover.

2011-06-04