How to afford kids--and teach them about money. We all want to raise smart children. But somewhere between the reading, writing, and arithmetic, one of life's most important lessons is too often overlooked: personal finances. As adults, we interact with money every day, whether by saving, investing, spending, or giving it, but we often forget that kids also face these same decisions--from their own unique perspective--as they mature. How do we teach today what kids really need to know tomorrow to thrive as financially savvy adults? In Piggybanking, veteran Wall Street Journal personal-finance writer Jeff D. Opdyke provides a clear and effective plan to help parents raise children to be comfortable and confident managing the daily finances of life. But even before kids arrive, parents face a rash of financial decisions. Accordingly, Piggybanking also deals with the essential problems every struggling young family must face, including how to prepare your budget for a child's arrival, how to choose between single- and dual-income lifestyles, and how to plan for funding a college education. With Opdyke's valuable advice, and with his 15 Rules of Kids & Money in hand, parents will be well equipped to create a sound financial foundation for their family and a successful financial life for their kids.
From America's most authoritative source: the quintessential primer on understanding and managing your moneyMoney 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 intelligentlyAlso available--the companion to this guidebook: The Wall Street Journal Personal Finance Workbook, by Jeff D. OpdykeGet 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 From the Trade Paperback edition.
A hands-on, interactive guide to managing your monday and building your financial futureMany of the worksheets in this book are available online and can be saved, printed, and recalculated at any time. Go to: WSJ.com/BookToolsUnderstanding your money, and getting it to work for you, is more important today than it ever was, because you alone are responsible for every aspect of your financial life, from managing your day-to-day living expenses to planning a college savings fund and, ultimately, retirement. The sooner you start taking control of your financial life the better, and there's no greater authority on financial matters than The Wall Street Journal. This workbook takes the mystery out of personal finance and addresses every topic you'll need to master, from building a solid financial base to growing your financial assets. Worksheets, charts, and step-by-step instructions throughout help you do the math and work through the basics, making it quick and easy to organize your cash and eventually build wealth. Learn how to:* Create a spending plan and budget* Balance a checkbook* Make decisions about what types of-- and how much--insurance you need* Manage credit and debt* Finance big expenses like real estate and education* Understand and properly assess your own appetite for risk* Formulate the right asset allocation * Start building an investment portfolio* Make real estate decisions like purchasing vs. renting * Refinance a mortgage* Manage your 401(k)* Deal with taxes * Plan for college expensesAlso available--the companion to this workbook: The Wall Street Journal Complete Personal Finance Guidebook, by Jeff D. OpdykeGet 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 GuidebookFrom the Trade Paperback edition.
How Jeff D. Opdyke became a successful international investor is an Everyman tale that began thirteen years ago when he discarded conventional wisdom. At the time, Wall Street's pros insisted that average investors buy domestic mutual funds that invest overseas. But Jeff ignored their tepid advice. Instead, he opted for the intrepid, opening bank and brokerage accounts from New Zealand to Hong Kong in order to buy the local stocks he wanted to own, not those that some fund manager deemed worthy. Jeff did so with great insight: People are people no matter whether home is in Madrid, Memphis, or Mumbai. They drink beer and buy homes and the furnishings and appliances to put in them. As hundreds of millions of people around the world strive to move into the middle class, the companies that meet these basic needs are becoming the great investment opportunities of today and tomorrow. Only a fraction of them, however, trade on American stock exchanges. So, armed with simple tools available to you and me (the Internet and an e-mail account), Jeff found companies intimately tied to their local economies but capable of expansion--to America, perhaps, or more important to Asia and other regions of explosive growth. One such company is Fisher & Paykel, a New Zealand-based maker of appliances that over the course of a dozen years has produced a steady stream of dividends and special distributions and has gained more than 17 percent a year for Jeff. How to find companies like Fisher & Paykel is the heart of this book. You can indeed make the world your oyster by diversifying your portfolio, and Jeff provides indispensable insight and practical guidelines for every aspect of investing directly overseas. He shows how to research and track companies, set up foreign brokerage accounts, handle tax issues, convert currencies, and fund accounts. Why venture beyond the United States to begin with? Because America is really just one small island. For every American public company, there are four beyond our shores--many of which are small to midsize and have huge potential for growth, which you'll never find by trading in America alone. If you're ready to take the next step in building a truly diversified portfolio, you will gain a wealth of invaluable insight and information from Jeff's engaging first-person accounts of his trial-and-error--but, ultimately, highly successful--globe-trotting career in search of worthy stocks. The opportunities for investing overseas are indisputable. The World Is Your Oyster is your travel guide: pinpointing five of the best reasons to go global, detailing various ways for investors of every temperament--from timid to adventurous--to cross financial borders, focusing on how to invest directly in hot spots from China to Turkey to Eastern Europe, and revealing how the Internet and other twenty-first-century technology has opened a world of direct overseas investment opportunities for you.
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