AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle … and Pursuing Your Dreams
AARP Roadmap for the Rest of Your Life: Smart Choices About Money, Health, Work, Lifestyle … and Pursuing Your Dreams
Solid solutions and step-by-step instructions for planning the next stage of your life
Life after 50 isn’t what it used to be. The rules have changed. No more guaranteed pensions, retiree health plans, or extensive leisure and travel. It’s time to forge new paths and create innovative models. That’s where the AARP Roadmap for the Rest of Your Life comes in. Bart Astor, author of more than a dozen books, offers a comprehensive guide for making lifestyle decisions, growing your nest egg, and realizing your goals. This AARP book—
- Provides guidance on the key areas you’ll need to consider: finances and work, health and fitness, Medicare and Social Security, estate planning, insurance, housing, and more
- Offers expert tips on creating age- and health-specific goals through a personal “Level of Activity” scale based on how active you can and want to be
- Includes tips for finding fun and fulfilling activities and even completing your bucket list
- Supplies ready-to-use worksheets to help you set and meet financial planning goals, get your legal affairs in order, and maintain adequate health insurance
- Contains a comprehensive list of valuable resources
List Price: $ 18.95
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The Wall Street Journal. Complete Personal Finance Guidebook (The Wall Street Journal Guidebooks)
The Wall Street Journal. Complete Personal Finance Guidebook (The Wall Street Journal Guidebooks)
From America’s most authoritative source: the quintessential primer on understanding and managing your money
Money courses through just about every corner of our lives and has an impact on the way we live today and how we’ll be able to live in the future. Understanding your money, and getting it to work for you, has never been more important than it is today, as more and more of us are called upon to manage every aspect of our financial lives, from managing day-to-day living expenses to planning a college savings fund and, ultimately, retirement. From The Wall Street Journal, the most trusted name in financial and money matters, this indispensable book takes the mystery out of personal finance. Start with the basics, learn how they work, and you’ll become a better steward of your own money, today and in the future. Consider The Wall Street Journal Complete Personal Finance Guidebook your cheat sheet to the finances of your life. This book will help you:
• Understand the nuts and bolts of managing your money: banking, investing, borrowing, insurance, credit cards, taxes, and more
• Establish realistic budgets and savings plans
• Develop an investment strategy that makes sense for you
• Make the right financial decisions about real estate
• Plan for retirement intelligently
Also available—the companion to this guidebook: The Wall Street Journal Personal Finance Workbook, by Jeff D. Opdyke
Get your financial life in order with help from The Wall Street Journal. Look for:
• The Wall Street Journal Complete Money and Investing Guidebook
• The Wall Street Journal Complete Identity Theft Guidebook
• The Wall Street Journal Complete Real Estate Investing Guidebook
List Price: $ 14.95
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The Economics Book
The Economics Book
From Aristotle and Thomas Aquinas, to Adam Smith and John Maynard Keynes, to the top economic thought leaders of today, The Economics Book is the essential reference for students and anyone else with an interest in how economies work.
Easy-to-follow graphics, succinct quotations, and thoroughly accessible text throw light on the applications of economics, making them relatable through everyday examples and concerns.
Employing DK’s trademark visual approach, The Economics Book takes a frequently confusing subject and makes sense of it, clearly highlighting both historically important and emerging ideas in this critical field of science.
List Price: $ 25.00
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How does a credit card work, what is the best card available?
Question by dasnatch20: How does a credit card work, what is the best card available?
First time dealing with credit cards need as much info as possible.
Best answer:
Answer by seaportma
First, go on line. There are a lot of articles on getting into trouble with credit cards. Pay attention to them.
It sounds like you have no experience with credit cards, and are trying to build a credit history.
Apply for a card. Do not spend more than you do today; do not spend more than you can afford. Pay the entire credit statement as soon as you receive it. Since you are paying off the entire statement before the due date, you will not have to pay interest or late payment penalties. After a while, you will get other offers from other credit card carriers. If they have better terms (lower interest rate, better benefits) take a card with the new carrier, and cancel the original card.
Remember: if you do not pay off the entire statement, interest is charged on the unpaid portion. And this is where most newbies get into trouble.
Bottom line — Do not spend more than you can afford to pay off and do not get into debt.
Know better? Leave your own answer in the comments!
Q&A: How would an auto loan work if you wanted to be financed through your bank and not the car dealer?
Question by SimplyHappy: How would an auto loan work if you wanted to be financed through your bank and not the car dealer?
Would I have to get the bank loan first then pay the dealer?
Best answer:
Answer by Jay P
You have the right to have a car financed through whatever bank you chose. It is always a good idea to find the lowest rate you can find and then go to the dealer. The dealer may be able to beat that rate but you never know. Should you go with another bank, they will either cut a check directly to the dealer or write you a check. Either way works fine.
Know better? Leave your own answer in the comments!
How does a secure bank loan work?
Question by tampabay5400: How does a secure bank loan work?
What do you do, what do you gain from doing a secure bank loan?
Best answer:
Answer by Smart1
It’s a loan with something as collateral. Sometimes cash, sometimes a car, house, or land.
Example:
I have $ 1,000 in my savings account that I don’t want to spend, but I need to buy school books which total $ 500. I can ask the bank for a secured loan on my savings account. They will then freeze the $ 500 and extend the loan. Once the loan is paid off, they will unfreeze the funds.
It will most likeley cost you some fees to apply and some interest, but secured loans have much lower interest rates and build your credit.
They are benefitial because you can keep your money in savings. They are also helpful for people with bad credit or no credit. When you pay on time, it increases your credit score.
Most of the time though, people use secured loans to buy houses/real estate, cars, or to get business loans.
If you use something besides cash, If you can’t pay, the bank will seize the property and sell it to try to get enough to pay the balance of the loan. If it is not worth enough, you will still owe the difference. If it sells for more that what you owe, the bank will usually pay you the difference.
Add your own answer in the comments!
Categories: Loan Questions Tags: bank, loan, secure, work
How does the personal loan from banks such as Bank of America or Citibank work?
Question by BeBeAdY: How does the personal loan from banks such as Bank of America or Citibank work?
I just received an offer to apply for a personal loan for up to 35,000 with Bank of America and for up to 5,000 with citibank. I actually need no more than 7,500. The interest rate is between 9,97 and 27,88 based on credit worthiness. I will like to know how it works. I’m hesitating between that and applying for a credit card. My credit score is fair (650). A friend advised me to go for the loan because it’s a guaranteed fixed interest. But since I’ve never done it before I will appreciate some more advice. Thanks so much.
Best answer:
Answer by Mrs Apple
Loans and credit card are quite similar. It really depends on your credit history and your employment status. No company will give you money if you don’t have a job. Loans and credit card interest can be fixed or variable. This is something that you need to talk to the bank about. Don’t apply for a credit card if the interest is not fixed. The only difference is that a loan will require you to pay off at a certain amount of time. This is how the bank calculates your monthly payments. As for credit cards, you can pay off anytime you want but you’ll need to make minimum payments. Since you are only making minimum payments, you can end up never paying off this debt. However, you can negotiate on the interest rate in the future if your credit history improves.
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Q&A: How does a payday loan work and how could I get one if I have a crappy credit?
Question by Waylin Skinner: How does a payday loan work and how could I get one if I have a crappy credit?
How does a payday loan work and how could I get one if I have crappy credit?
Do I have to pay the whole amount of the loan back in one payday?
Best answer:
Answer by Jane Does
First off, most payday loans places don’t even run a credit check. If you go somewhere like Ace Cash Express (a national chain), what they will do is have you write out a check for the amount of the loan plus fees, post-dated for your next payday. Some places also allow you to use a debit card if you prefer. The requirements are that your next payday will cover the amount and you have a working bank account. At Ace, in particular, the fees are $ 20 per every $ 100 that you borrow. Or $ 100 for every $ 500. It’s very expensive. I cannot tell you which places, but there are some that offer you the ability to refinance your loan before your payment is due (don’t wait until your paycheck has hit your bank account to start this process or your money will be GONE). This makes you acquire extra interest charges, so be wary. But I know it is possible. I don’t do payday loans myself, but my mother in law practically lives off of them. She has found a company that allows her to “pay it out” by refinancing and taking a partial payment from a few different paychecks rather than taking it all out of one. But I guarantee you this is not an option everywhere, and you’d do best to ask MANY questions and read ALL fine print. Companies like this are in it to make a buck…so don’t expect any cashier to answer any questions you DIDN’T ask. They could care less, because as soon as your paycheck hits your bank, they will get their money.
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