How to Manage Your Finances
FT Publishing International
978-0-13-359749-3 (ISBN)
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In There Are No Dumb Questions About Money, Weston answers your most pressing questions, helping you navigate today's more-complicated-than-ever financial world. Through real-life reader questions and clear, to-the-point answers, Weston shows how to manage your spending, figure out what you can and can't afford, and choose the smartest ways to pay off your debt. You'll discover why most investment strategies don't work, and identify better ways to save for retirement. But you'll also learn to handle the trickier, emotional side of money: how to avoid fights with your partner, deal with spendthrift children or parents, and spot con artists or lousy advisors before you get robbed. Using humor, keen insight, and time-tested financial planning principles, Weston can help you wrangle your money into shape -- and find your own path to financial freedom.
Liz Weston is a personal finance columnist whose twice-weekly columns for MSN Money reach more than 10 million people each month. She writes a money column, “My Two Cents,” for AARP the Magazine, the largest circulation magazine in the world with 22 million subscribers, and authors the question-and-answer column “Money Talk,” which appears in the Los Angeles Times and other newspapers throughout the country. Liz is a regular commentator on American Public Media’s Marketplace Money and has contributed to NPR’s “Talk of the Nation” and “All Things Considered.” She has appeared on Dr. Phil, Today Show, and NBC Nightly News, and was for several years a weekly commentator on CNBC’s Power Lunch. Her advice on credit and finance has been featured in Consumer Reports, Marie Claire, Parents, Real Simple, Woman’s World, Woman’s Day, Good Housekeeping, Family Circle, and many other publications. Formerly a personal finance writer for the Los Angeles Times, Weston has won numerous reporting awards, including the 2010 Betty Furness Consumer Media Award by the Consumer Federation of America, designed to honor individuals who have made “exceptional progress in American consumerism.” Her other books include The 10 Commandments of Money, which the New York Times praised as “a wonderful basic personal finance book…[with] enough counterintuitive ideas to keep even people who know a bit about personal finance reading further.” She is also the author of Deal with Your Debt and Easy Money, both published by Pearson. Weston is a graduate of the certified financial planner training program at University of California, Irvine. She lives in Los Angeles with her husband and daughter. She can be reached via the “Contact Liz” form on her Web site, AskLizWeston.com.
Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future, 4/e
Introduction xxii
Chapter 1 Why Your Credit Score Matters 1
How Your Credit Score Affects You 1
What It Costs Long Term to Have a Poor or Mediocre Credit Score 3
How Credit Scoring Came into Being 6
How Credit Use Has Changed over the Years 7
Consumer’s Fight for Truth About Credit Scores 8
Credit Controversies 9
Credit Scoring’s Vulnerability to Errors 9
Credit Scoring’s Complexity 10
Credit Scoring’s Use for Noncredit Decisions 11
Credit Scoring’s Potential Unfairness 11
Chapter 2 How Credit Scoring Works 15
What Is a Good Score? 17
Your Credit Report: The Building Blocks for Your Score 18
How Your Score Is Calculated 19
The Five Most Important Factors 20
Your Payment History 20
How Much You Owe 21
How Long You’ve Had Credit 22
Your Last Application for Credit 22
The Types of Credit You Use 23
Your Credit Scorecard 24
Your Results Might Differ 25
How Do I Get My Score? 26
What Hurts, and for How Long 31
New Versions of the FICO Score 33
Chapter 3 FICO Versus “FAKO”--Competitors to the Leading Score 39
The VantageScore Scale 40
How VantageScores Are Calculated 42
Comparing the Scoring Systems 43
Some Rules Remain the Same 44
So Which Is Better? 45
VantageScore’s Future 45
Other Scores Lenders Use 47
Chapter 4 Improving Your Score--The Right Way 51
Step 1: Start with Your Credit Report 51
Check the Identifying Information 52
Carefully Review the Credit Accounts 53
Parse Through Your Inquiries 54
Examine Your Collections and Public Records 54
Dispute the Errors 55
Step 2: Pay Your Bills on Time 56
How to Make Sure Your Bills Get Paid on Time, All the Time 57
Step 3: Pay Down Your Debt 60
You Need to Reduce What You Owe Rather Than Just Moving Your Balances Around 61
You Might Need to Change Your Approach to Paying Off Debt 61
You Need to Pay Attention to How Much You Charge--Even If You Pay Off Your Balances in Full Every Month 62
How to Find Money to Pay Down Your Debt 64
Step 4: Don’t Close Credit Cards or Other Revolving Accounts 65
Step 5: Apply for Cre
| Erscheint lt. Verlag | 22.8.2013 |
|---|---|
| Sprache | englisch |
| Themenwelt | Sachbuch/Ratgeber ► Beruf / Finanzen / Recht / Wirtschaft ► Geld / Bank / Börse |
| Wirtschaft ► Betriebswirtschaft / Management ► Finanzierung | |
| ISBN-10 | 0-13-359749-0 / 0133597490 |
| ISBN-13 | 978-0-13-359749-3 / 9780133597493 |
| Zustand | Neuware |
| Informationen gemäß Produktsicherheitsverordnung (GPSR) | |
| Haben Sie eine Frage zum Produkt? |
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