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Personal Finance 101: From Saving and Investing to Taxes and Loans, an Essential Primer on Personal Finance

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Buku ini merupakan panduan praktis dan komprehensif (crash course) mengenai pengelolaan keuangan pribadi (personal finance) yang ditulis oleh Alfred Mill\\r\\n. Buku ini dirancang untuk membantu pembaca mengambil kendali atas keuangan mereka, mengurangi stres, serta mencapai tujuan keuangan jangka pendek maupun jangka panjang\\r\\n. Pembahasan dalam buku ini mencakup penyusunan peta jalan keuangan (pemeriksaan nilai kekayaan bersih/net worth dan penetapan tujuan)\\r\\n, pembuatan serta penyesuaian anggaran (budgeting)\\r\\n, pentingnya pembentukan dana darurat dan prinsip keajaiban bunga berbunga (compound interest)\\r\\n, strategi bijak penggunaan kartu kredit dan metode pelunasan utang (snowball dan avalanche)\\r\\n, pengelolaan berbagai jenis pinjaman (pinjaman pendidikan, hipotek/mortgage, dan pinjaman 401(k))\\r\\n, perencanaan karier dan negosiasi gaji\\r\\n, pertimbangan tempat tinggal (sewa vs. beli rumah)\\r\\n, pengelolaan keuangan keluarga dan perceraian\\r\\n, strategi perencanaan pajak\\r\\n, hingga perencanaan pensiun (401(k), IRA, Roth IRA) serta dasar-dasar investasi pada saham, obligasi, dan reksa dana/ETF\\r\\n.\\r\\nDaftar isi:\\r\\nINTRODUCTION\\r\\nCHAPTER 1: YOUR FINANCIAL ROAD MAP\\r\\nSetting Financial Goals\\r\\nWhat\\\'s Your Net Worth?\\r\\nDecide What You Want\\r\\nEvaluating Your Progress\\r\\nEducating Yourself About Money Matters\\r\\nThe Benefits of Budgeting\\r\\nCustomizing Your Budget\\r\\nOpportunity Costs\\r\\nKnow Where It\\\'s All Going\\r\\nSetting Spending Goals by Category\\r\\nMonitoring Your Budget\\r\\nPlug Any Spending Leaks\\r\\nFixing the Leaks\\r\\nCHAPTER 2: HOW AND WHY TO SAVE MONEY\\r\\nThe Miracle of Compound Interest\\r\\nThe Rule of 72\\r\\nInflation Is Not Your Friend\\r\\nThe Time Value of Money\\r\\nBuilding an Emergency Fund\\r\\nThe Fun of Frugality\\r\\nPumping Up Your Savings\\r\\nSaving for Large Purchases\\r\\nWhat Kind of Bank Do You Need?\\r\\nOnline Banking\\r\\nBanking Protection\\r\\nOverdraft Protection\\r\\nBeware Out-of-Network Fees\\r\\nDebit Cards\\r\\nWhere to Stash Your Cash\\r\\nBanking Costs\\r\\nCHAPTER 3: MANAGING CREDIT CARDS\\r\\nCredit Cards\\r\\nThe False Appeal of Credit\\r\\nWhat\\\'s Out There\\r\\nChoosing What\\\'s Best for You\\r\\nPay Them Off!\\r\\nProtecting Yourself Against Losses\\r\\nThe Credit CARD Act of 2009\\r\\nBuilding and Repairing Credit Responsibly\\r\\nMake a Paydown Plan\\r\\nBorrowing From Your 401(k)\\r\\nCredit Counseling Service\\r\\nRepairing Damaged Credit\\r\\nUsing Credit Cards Wisely\\r\\nPrioritize Your Bills\\r\\nCHAPTER 4: UNDERSTANDING LOANS\\r\\nInstallment, Secured, and Unsecured Loans\\r\\nCreditors and Debt Collectors\\r\\nFiling for Bankruptcy\\r\\nChapter 13 Bankruptcy: Reorganization\\r\\nChapter 7 Bankruptcy: Liquidation\\r\\nDebt Management\\r\\nAvoiding Financial Scams and Schemes\\r\\nCHAPTER 5: STUDENT LOANS\\r\\nTypes of Loans\\r\\nHow to Make Your Payments More Manageable\\r\\nManaging Student Loans\\r\\nPLUS Loans\\r\\nDefaulting on Your Student Loan\\r\\nRehabilitating Your Defaulted Federal Loan\\r\\nResolving Student Loan Disputes\\r\\nConsolidating Student Loans\\r\\nA Tax Break\\r\\nMaking College More Affordable\\r\\nCHAPTER 6: WORKING—FINDING THE INCOME YOU NEED\\r\\nWhat Kind of Job Do You Want?\\r\\nYour Worth to an Employer\\r\\nYour Salary and Benefits\\r\\nEvaluating Your Employee Benefits\\r\\n401(k) and Other Retirement Plans\\r\\nEmployee Ownership Plans\\r\\nAsking for a Raise\\r\\nBoosting Your Income\\r\\nBeing Your Own Boss\\r\\nThe True Cost of Happiness\\r\\nCHAPTER 7: HOUSING OPTIONS\\r\\nWhere Do You Want to Live?\\r\\nFinding an Apartment\\r\\nThe Basics of Renting\\r\\nDeposits and Other Charges\\r\\nRenting with Roommates\\r\\nRenters Insurance and Moving\\r\\nAutomotive Costs Related to Moving\\r\\nHomeownership\\r\\nGetting Ready for Homeownership\\r\\nHow to Get a Mortgage\\r\\nTypes of Mortgages\\r\\nChoosing the Best Mortgage for You\\r\\nFederal Truth in Lending Act and the APR\\r\\nBuying Your Home\\r\\nMaking and Negotiating the Purchase\\r\\nClosing the Deal\\r\\nEscrow Accounts\\r\\nHomeownership Tax Savings\\r\\nBe Prepared for Other Expenses\\r\\nOwning a Condo\\r\\nOwning a Co-op\\r\\nHome Improvements\\r\\nHome Equity Loans and Lines of Credit\\r\\nRefinancing\\r\\nTax Deductibility of Mortgage Interest\\r\\nPrepaying Your Mortgage\\r\\nFacing Foreclosure\\r\\nThe Short Sale Alternative\\r\\nCHAPTER 8: LIVING TOGETHER AND MARRIAGE\\r\\nGetting Married and Personal Finance\\r\\nDo You Need a Prenuptial Agreement?\\r\\nPlanning an Affordable Wedding\\r\\nFiling Taxes as a Married Couple\\r\\nBeneficiaries, Name Changes, and Wills\\r\\nChildren\\r\\nCan You Afford to Stay Home?\\r\\nRaising Financially Savvy Kids\\r\\nBreaking Apart\\r\\nSocial Security and Divorce\\r\\nCHAPTER 9: THE IMPACT OF TAXES\\r\\nBegin at the Beginning\\r\\nStandard and Itemized Deductions\\r\\nPreparing Your Tax Return\\r\\nHiring a Tax Accountant or Service\\r\\nMaking Tax-Wise Financial Decisions\\r\\nTaking Advantage of Tax-Saving Strategies\\r\\nKeeping Good Tax Records\\r\\nOther Tax Issues\\r\\nSurviving an Audit\\r\\nWhen You Can\\\'t Pay Your Taxes\\r\\nCredits and Deductions\\r\\nCHAPTER 10: PLANNING YOUR RETIREMENT\\r\\nRetirement Plans\\r\\nDefined-Contribution Plans\\r\\n401(k) Plans\\r\\n403(b) and 457 Plans\\r\\nIndividual Retirement Accounts\\r\\nRoth 401(k)s\\r\\nRetirement Plans for Small Business Owners and the Self-Employed\\r\\nOther Retirement Plans\\r\\nChoosing the Right Investments\\r\\nA Word on Social Security\\r\\nWorking with a Financial Planner\\r\\nSocial Security and Healthcare\\r\\nHealthcare\\r\\nDisability Insurance\\r\\nInvesting for Retirement

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

332.024 MIL p

Penerbit

New York : Adams Media., 2020

Deskripsi Fisik

256 halaman; 13,5 cm x 18,5 cm

Bahasa

Indonesia

ISBN/ISSN

9781507214350

Klasifikasi

332.024

Tipe Isi

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Tipe Media

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Tipe Pembawa

-

Edisi

1

Subjek

-

Info Detail Spesifik

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Pernyataan Tanggungjawab

Alfred Mill, Michele Cagan

Versi lain/terkait

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