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{"appState":{"pageLoadApiCallsStatus":true},"authorState":{"author":{"headers":{"timestamp":"2025-03-04T08:49:19+00:00"},"authorId":9811,"data":{"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" Sheryl Garrett is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of Personal Finance Workbook For Dummies. Sue Hoppin is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.","photo":{"src":null,"width":0,"height":0}}},"authorLoadedStatus":"success"},"listState":{"list":{"count":10,"total":13,"items":[{"headers":{"creationTime":"2017-03-26T15:50:03+00:00","modifiedTime":"2024-08-31T14:02:48+00:00","timestamp":"2024-08-31T15:01:04+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"General Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34311"},"slug":"general-personal-finance","categoryId":34311}],"title":"Borrowing Money for Your Child's College Education","strippedTitle":"borrowing money for your child's college education","slug":"borrowing-money-for-your-childs-college-education","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"After you've tapped out all other options, borrowing money to pay for college is your last resort. Your student should exhaust her borrowing options before you ","noIndex":0,"noFollow":0},"content":"<p class=\"ReviewDate\">After you've tapped out all other options, borrowing money to pay for college is your last resort. Your student should exhaust <i>her</i> borrowing options before you consider taking on any debt to pay for her college education. Putting yourself into debt to pay for your child's college education may have disastrous effects on your financial future — after all, there is no such thing as financial aid for your retirement.</p>\r\n<p class=\"Remember\">The best way to fund college costs, if borrowing is necessary, is to have your child borrow the money herself. Through federal student loan programs and financing programs available through various institutions, students have a number of attractive options available to them to finance college costs. Help your student apply for financial aid and exhaust all other resources and options prior to going into debt to pay for her college education.</p>\r\n<p>Your child can participate in work-study programs; do part-time work; acquire student loans, grants, and scholarships; attend college part-time while working full-time; or join AmeriCorps, the Peace Corps, or the military, all of which offer financial benefits for education.</p>\r\n<h2 id=\"tab1\" >Tuition borrowing options</h2>\r\n<p>If you borrow money for your child's college education, consider the list of primary resources:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\"><b>Federal PLUS loan:</b> This loan is the best of all these options. The Parent Loan for Undergraduate Students (PLUS) is a popular, accessible, and reasonably priced loan where parents (with decent credit) can borrow up to the full cost of a dependent student's education minus any other financial aid for which the student qualifies. Repayment must begin within 60 days of receipt, and you may have up to ten years to repay the loan plus interest. For additional information visit the <a href=\"//www.collegeboard.org/\" target=\"blank\" rel=\"noopener\">College Board</a> online or call toll-free at 800-891-1253.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Home equity line of credit:</b> The interest rate on the loan will be high, and borrowing against your home equity can put your home at risk of foreclosure.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>401(k) plan loan:</b> If your 401(k) plan has a loan feature, the maximum amount you can borrow is the lesser of $50,000 or 50 percent of your vested account balance. Contact your 401(k) administrator for details.</p>\r\n<p class=\"child-para\">When you borrow money from your 401(k), that money is no longer invested. Even if you repay interest on this loan, you aren't getting the full benefit of your 401(k) plan investments. Also, the money you pull out of the 401(k) plan as a loan is pre-tax dollars, but the money you repay the loan with is after-tax. Wham! If you change employers while the loan is still outstanding and don't pay the loan in full, it's subject to a 10% early withdrawal penalty and taxation. Double wham!</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Unsecured loan from your bank:</b> Also known as a <i>signature loan,</i> this loan is often the most expensive. The bank charges a much higher interest rate because no asset, such as a house, is securing this loan. These loans are often difficult to qualify for unless you have impeccable credit.</p>\r\n </li>\r\n</ul>\r\n<p>Use the following table to organize possible financial-aid resources. Make a check in the left column if a particular source may be an option to pay for your child's college education, and if so, list the available funds in the column on the right.</p>\r\n<table>\r\n<caption>\r\nTuition Borrowing Options for Parents\r\n</caption>\r\n<tr>\r\n<th>Potential Option?</th>\r\n<th>Source</th>\r\n<th>Available Funds</th>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>Federal PLUS Loan</td>\r\n<td>$</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>Home equity line of credit</td>\r\n<td>$</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>401(k) plan loan</td>\r\n<td>$</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>Unsecured loan from bank</td>\r\n<td>$</td>\r\n</tr>\r\n</table>\r\n<h2 id=\"tab2\" >Federal student aid programs</h2>\r\n<p>Federal financial aid programs are intended to make up the difference between what your family can afford to pay and what college costs — and this aid is available to everyone. Although you may feel that your income level is too high and your child isn't eligible for financial aid, most Americans do qualify for aid in some way.</p>\r\n<p>With all loans, one of the primary issues to consider is the loan's cost — that is, the interest and any loan acquisition fees. The least expensive loan is general the one with the lowest interest rate. Here's a look at the cheapest federal student aid programs:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\"><b>Perkins loans </b>have the strictest needs-based requirements. A student may borrow up to $5,500 per year, not to exceed $27,500. The current interest rate is 5 percent, and payments don't commence until the student graduates.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Subsidized Stafford loans </b>are also needs-based loans. A student may borrow up to $3,500 in the first year of undergraduate studies. This limit increases through college. As of this writing, the interest rate is 6.8 percent per year. The federal government, however, actually pays the interest due on the loan until the student is required to begin making payments six months after graduation. The loan must be paid over ten years.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Unsubsidized Stafford loans</b> are <i>not</i> needs based loans. The amount that you may borrow is identical to the Subsidized Stafford loan program if the student is your dependent. If the student is independent, however, he may borrow up to $5,500 initially with the limit increasing through the years of college. The interest rate on this type of loan is 6.8 percent annually, as of this writing. <i>But,</i> the federal government doesn't pay any of the interest on behalf of the student. Repayment begins six months after graduation, and the loan must be repaid over ten years.</p>\r\n </li>\r\n</ul>\r\n<p>To get the most recent rates on student loans and detailed instructions on how to obtain these loans, visit the <a href=\"//www.collegeboard.org/\" target=\"_blank\" rel=\"noopener\">College Board</a>.</p>\r\n<h2 id=\"tab3\" >Setting payment expectations for your college student</h2>\r\n<p>If you borrow money for your child's college education, communicate the expectations you have regarding paying for college and help your student set reasonable expectations. You may feel very strongly that your child participate in the financial responsibilities involved in obtaining this education. One strategy is to create a collaborative agreement between parent and child:</p>\r\n<div class=\"imageBlock\" style=\"width:374px;\"><img src=\"//coursofppt.com/wp-content/uploads/353818.image0.jpg\" width=\"374\" height=\"400\" alt=\"Example of a promissory note for your student's college education.\"/><div class=\"imageCaption\">Example of a promissory note for your student's college education.</div></div>\r\n<p>Benefits of the kind of collaborative arrangement include the following:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\">Your child must apply himself and show a good faith effort, or you won't pay anything toward his college education.</p>\r\n </li>\r\n <li><p class=\"first-para\">If your student drops out of school, he's on his own.</p>\r\n </li>\r\n <li><p class=\"first-para\">If your child applies himself and achieves a B average or better, you will repay 80 to 100 percent of the college costs.</p>\r\n </li>\r\n <li><p class=\"first-para\">You don't have to start repaying these loans until six months after your student graduates, which allows you additional time to accumulate funds to repay the debt or to adjust your monthly cash flow in order to be able to more comfortably pay the debts.</p>\r\n </li>\r\n</ul>","description":"<p class=\"ReviewDate\">After you've tapped out all other options, borrowing money to pay for college is your last resort. Your student should exhaust <i>her</i> borrowing options before you consider taking on any debt to pay for her college education. Putting yourself into debt to pay for your child's college education may have disastrous effects on your financial future — after all, there is no such thing as financial aid for your retirement.</p>\r\n<p class=\"Remember\">The best way to fund college costs, if borrowing is necessary, is to have your child borrow the money herself. Through federal student loan programs and financing programs available through various institutions, students have a number of attractive options available to them to finance college costs. Help your student apply for financial aid and exhaust all other resources and options prior to going into debt to pay for her college education.</p>\r\n<p>Your child can participate in work-study programs; do part-time work; acquire student loans, grants, and scholarships; attend college part-time while working full-time; or join AmeriCorps, the Peace Corps, or the military, all of which offer financial benefits for education.</p>\r\n<h2 id=\"tab1\" >Tuition borrowing options</h2>\r\n<p>If you borrow money for your child's college education, consider the list of primary resources:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\"><b>Federal PLUS loan:</b> This loan is the best of all these options. The Parent Loan for Undergraduate Students (PLUS) is a popular, accessible, and reasonably priced loan where parents (with decent credit) can borrow up to the full cost of a dependent student's education minus any other financial aid for which the student qualifies. Repayment must begin within 60 days of receipt, and you may have up to ten years to repay the loan plus interest. For additional information visit the <a href=\"//www.collegeboard.org/\" target=\"blank\" rel=\"noopener\">College Board</a> online or call toll-free at 800-891-1253.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Home equity line of credit:</b> The interest rate on the loan will be high, and borrowing against your home equity can put your home at risk of foreclosure.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>401(k) plan loan:</b> If your 401(k) plan has a loan feature, the maximum amount you can borrow is the lesser of $50,000 or 50 percent of your vested account balance. Contact your 401(k) administrator for details.</p>\r\n<p class=\"child-para\">When you borrow money from your 401(k), that money is no longer invested. Even if you repay interest on this loan, you aren't getting the full benefit of your 401(k) plan investments. Also, the money you pull out of the 401(k) plan as a loan is pre-tax dollars, but the money you repay the loan with is after-tax. Wham! If you change employers while the loan is still outstanding and don't pay the loan in full, it's subject to a 10% early withdrawal penalty and taxation. Double wham!</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Unsecured loan from your bank:</b> Also known as a <i>signature loan,</i> this loan is often the most expensive. The bank charges a much higher interest rate because no asset, such as a house, is securing this loan. These loans are often difficult to qualify for unless you have impeccable credit.</p>\r\n </li>\r\n</ul>\r\n<p>Use the following table to organize possible financial-aid resources. Make a check in the left column if a particular source may be an option to pay for your child's college education, and if so, list the available funds in the column on the right.</p>\r\n<table>\r\n<caption>\r\nTuition Borrowing Options for Parents\r\n</caption>\r\n<tr>\r\n<th>Potential Option?</th>\r\n<th>Source</th>\r\n<th>Available Funds</th>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>Federal PLUS Loan</td>\r\n<td>$</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>Home equity line of credit</td>\r\n<td>$</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>401(k) plan loan</td>\r\n<td>$</td>\r\n</tr>\r\n<tr>\r\n<td>\r\n</td>\r\n<td>Unsecured loan from bank</td>\r\n<td>$</td>\r\n</tr>\r\n</table>\r\n<h2 id=\"tab2\" >Federal student aid programs</h2>\r\n<p>Federal financial aid programs are intended to make up the difference between what your family can afford to pay and what college costs — and this aid is available to everyone. Although you may feel that your income level is too high and your child isn't eligible for financial aid, most Americans do qualify for aid in some way.</p>\r\n<p>With all loans, one of the primary issues to consider is the loan's cost — that is, the interest and any loan acquisition fees. The least expensive loan is general the one with the lowest interest rate. Here's a look at the cheapest federal student aid programs:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\"><b>Perkins loans </b>have the strictest needs-based requirements. A student may borrow up to $5,500 per year, not to exceed $27,500. The current interest rate is 5 percent, and payments don't commence until the student graduates.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Subsidized Stafford loans </b>are also needs-based loans. A student may borrow up to $3,500 in the first year of undergraduate studies. This limit increases through college. As of this writing, the interest rate is 6.8 percent per year. The federal government, however, actually pays the interest due on the loan until the student is required to begin making payments six months after graduation. The loan must be paid over ten years.</p>\r\n </li>\r\n <li><p class=\"first-para\"><b>Unsubsidized Stafford loans</b> are <i>not</i> needs based loans. The amount that you may borrow is identical to the Subsidized Stafford loan program if the student is your dependent. If the student is independent, however, he may borrow up to $5,500 initially with the limit increasing through the years of college. The interest rate on this type of loan is 6.8 percent annually, as of this writing. <i>But,</i> the federal government doesn't pay any of the interest on behalf of the student. Repayment begins six months after graduation, and the loan must be repaid over ten years.</p>\r\n </li>\r\n</ul>\r\n<p>To get the most recent rates on student loans and detailed instructions on how to obtain these loans, visit the <a href=\"//www.collegeboard.org/\" target=\"_blank\" rel=\"noopener\">College Board</a>.</p>\r\n<h2 id=\"tab3\" >Setting payment expectations for your college student</h2>\r\n<p>If you borrow money for your child's college education, communicate the expectations you have regarding paying for college and help your student set reasonable expectations. You may feel very strongly that your child participate in the financial responsibilities involved in obtaining this education. One strategy is to create a collaborative agreement between parent and child:</p>\r\n<div class=\"imageBlock\" style=\"width:374px;\"><img src=\"//coursofppt.com/wp-content/uploads/353818.image0.jpg\" width=\"374\" height=\"400\" alt=\"Example of a promissory note for your student's college education.\"/><div class=\"imageCaption\">Example of a promissory note for your student's college education.</div></div>\r\n<p>Benefits of the kind of collaborative arrangement include the following:</p>\r\n<ul class=\"level-one\">\r\n <li><p class=\"first-para\">Your child must apply himself and show a good faith effort, or you won't pay anything toward his college education.</p>\r\n </li>\r\n <li><p class=\"first-para\">If your student drops out of school, he's on his own.</p>\r\n </li>\r\n <li><p class=\"first-para\">If your child applies himself and achieves a B average or better, you will repay 80 to 100 percent of the college costs.</p>\r\n </li>\r\n <li><p class=\"first-para\">You don't have to start repaying these loans until six months after your student graduates, which allows you additional time to accumulate funds to repay the debt or to adjust your monthly cash flow in order to be able to more comfortably pay the debts.</p>\r\n </li>\r\n</ul>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"primaryCategoryTaxonomy":{"categoryId":34311,"title":"General Personal Finance","slug":"general-personal-finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34311"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[{"label":"Tuition borrowing options","target":"#tab1"},{"label":"Federal student aid programs","target":"#tab2"},{"label":"Setting payment expectations for your college student","target":"#tab3"}],"relatedArticles":{"fromBook":[{"articleId":208422,"title":"Personal Finance Workbook For Dummies Cheat Sheet","slug":"personal-finance-workbook-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208422"}},{"articleId":197146,"title":"Creating Files to Organize Tax Records","slug":"creating-files-to-organize-tax-records","categoryList":["business-careers-money","personal-finance","taxes"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197146"}},{"articleId":197098,"title":"Automatic Investment Programs for Retirement","slug":"establishing-automatic-investment-programs-for-retirement","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197098"}},{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181909,"title":"Considering Your Financial Future","slug":"considering-your-financial-future","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181909"}}],"fromCategory":[{"articleId":298881,"title":"34 Ways To Save Money on Utilities","slug":"34-ways-to-save-money-on-utilities","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/298881"}},{"articleId":288537,"title":"Financial Security For Dummies Cheat Sheet","slug":"financial-security-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/288537"}},{"articleId":259430,"title":"How to Decrease Debt","slug":"how-to-decrease-debt","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/259430"}},{"articleId":259420,"title":"How to Determine Your Financial Net Worth","slug":"how-to-determine-your-financial-net-worth","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/259420"}},{"articleId":251786,"title":"The Impact of Investing for College Costs","slug":"impact-investing-college-costs","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/251786"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282461,"slug":"personal-finance-workbook-for-dummies-2nd-edition","isbn":"9781118106259","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"amazon":{"default":"//www.amazon.com/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1118106253-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/personal-finance-workbook-for-dummies-2nd-edition-cover-9781118106259-203x255.jpg","width":203,"height":255},"title":"Personal Finance Workbook For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a Certified Financial Planner professional and founder of The Garrett Planning Network, Inc.","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;general-personal-finance&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-64f0ab304a626\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;general-personal-finance&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-64f0ab304ad7f\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Explore","lifeExpectancy":"One year","lifeExpectancySetFrom":"2024-08-31T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":170884},{"headers":{"creationTime":"2017-03-26T22:16:05+00:00","modifiedTime":"2024-05-03T19:32:02+00:00","timestamp":"2024-05-03T21:01:03+00:00"},"data":{"breadcrumbs":[{"name":"Technology","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33512"},"slug":"technology","categoryId":33512},{"name":"Computers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33513"},"slug":"computers","categoryId":33513},{"name":"Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33520"},"slug":"macs","categoryId":33520},{"name":"General Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"},"slug":"general-macs","categoryId":33523}],"title":"Automatic Investment Programs for Retirement","strippedTitle":"automatic investment programs for retirement","slug":"establishing-automatic-investment-programs-for-retirement","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"You may want to consider establishing automatic investment programs to save for your retirement. Several automatic savings programs may be available to you. You","noIndex":0,"noFollow":0},"content":"You may want to consider establishing automatic investment programs to save for your retirement. Several automatic savings programs may be available to you. You need to determine how much you can direct to each of these automatic plans. Here’s how you do it:\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\"><b>Make sure that you’re taking full advantage of any employer matching contribution for which you may be eligible with your company’s retirement plan.</b></p>\r\n<p class=\"child-para\">Contribute the maximum amount that the employer will match.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>If eligible, make the maximum contributions to your and your spouse’s (if applicable) Roth IRA accounts each year; take your contributions automatically out of your checking account each month.</b></p>\r\n<p class=\"child-para\">A Roth IRA is the best retirement funding vehicle — from a tax standpoint — ever! Although you don’t get a deduction when you contribute to a Roth IRA, all the earnings and withdrawals on the account are tax-free forever.</p>\r\n<p class=\"child-para\">You can establish a Roth IRA account at most banks, through investment advisors, or directly with a low-cost, no-load mutual fund company like <a href=\"//www.vanguard.com\">Vanguard</a> or a deep discount broker like <a href=\"//www.scottrade.com\">Scottrade</a> or <a href=\"//sharebuilder.com\">ShareBuilder</a>.</p>\r\n<p class=\"child-para\">Making monthly contributions is much easier than coming up with the whole year’s contribution at once. You can set up direct automatic investments from your checking account into your Roth IRA account.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Build your personal portfolio with low-cost, tax-advantaged-passive investment vehicles, such as exchange-traded funds (ETFs) and index funds.</b></p>\r\n<p class=\"child-para\">You need to have investments that you can tap into if needed prior to retirement. Also, when you retire and pull money out of your retirement account, 100 percent of that withdrawal is taxable to you as ordinary income. Capital gains tax rates are much lower. You may be much better off from a tax standpoint to pay minimal capital gains now rather than the tax for ordinary income in the future.</p>\r\n<p class=\"child-para\">Index funds are a way individual investors can own the stock market that you hear about on the news, such as the Standard and Poor 500 Composite Index (S&P 500, for short). Index funds have been available through no-load mutual fund powerhouses like Vanguard for decades. However, the range of options now available has exploded in the last few years. You can now buy an exchange-traded fund (ETF) that invests exclusively in United States Treasury Inflation Protection Securities. Rather than buying one bond for $10,000, you can literally buy one share of an ETF, which trades like stocks, incurring a transaction fee to buy or sell shares. And with the advent of deep-discount online brokerage firms, you now can afford to make monthly purchases of exchange-traded funds.</p>\r\n</li>\r\n</ul>\r\nWhich automatic savings programs are available to you, and how much can you direct to each of these automatic plans? Use the Making Your Investments Automatic Worksheet to put these steps in action.\r\n\r\n<img src=\"//coursofppt.com/wp-content/uploads/114684.image0.jpg\" alt=\"image0.jpg\" width=\"233\" height=\"400\" />\r\n\r\n<a href=\"//media.wiley.com/Lux/assets/76/114276.099339 un1403.pdf\" target=\"_blank\" rel=\"noopener\">Click here to download and print the Making Your Investments Automatic worksheet.</a>","description":"You may want to consider establishing automatic investment programs to save for your retirement. Several automatic savings programs may be available to you. You need to determine how much you can direct to each of these automatic plans. Here’s how you do it:\r\n<ul class=\"level-one\">\r\n \t<li>\r\n<p class=\"first-para\"><b>Make sure that you’re taking full advantage of any employer matching contribution for which you may be eligible with your company’s retirement plan.</b></p>\r\n<p class=\"child-para\">Contribute the maximum amount that the employer will match.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>If eligible, make the maximum contributions to your and your spouse’s (if applicable) Roth IRA accounts each year; take your contributions automatically out of your checking account each month.</b></p>\r\n<p class=\"child-para\">A Roth IRA is the best retirement funding vehicle — from a tax standpoint — ever! Although you don’t get a deduction when you contribute to a Roth IRA, all the earnings and withdrawals on the account are tax-free forever.</p>\r\n<p class=\"child-para\">You can establish a Roth IRA account at most banks, through investment advisors, or directly with a low-cost, no-load mutual fund company like <a href=\"//www.vanguard.com\">Vanguard</a> or a deep discount broker like <a href=\"//www.scottrade.com\">Scottrade</a> or <a href=\"//sharebuilder.com\">ShareBuilder</a>.</p>\r\n<p class=\"child-para\">Making monthly contributions is much easier than coming up with the whole year’s contribution at once. You can set up direct automatic investments from your checking account into your Roth IRA account.</p>\r\n</li>\r\n \t<li>\r\n<p class=\"first-para\"><b>Build your personal portfolio with low-cost, tax-advantaged-passive investment vehicles, such as exchange-traded funds (ETFs) and index funds.</b></p>\r\n<p class=\"child-para\">You need to have investments that you can tap into if needed prior to retirement. Also, when you retire and pull money out of your retirement account, 100 percent of that withdrawal is taxable to you as ordinary income. Capital gains tax rates are much lower. You may be much better off from a tax standpoint to pay minimal capital gains now rather than the tax for ordinary income in the future.</p>\r\n<p class=\"child-para\">Index funds are a way individual investors can own the stock market that you hear about on the news, such as the Standard and Poor 500 Composite Index (S&P 500, for short). Index funds have been available through no-load mutual fund powerhouses like Vanguard for decades. However, the range of options now available has exploded in the last few years. You can now buy an exchange-traded fund (ETF) that invests exclusively in United States Treasury Inflation Protection Securities. Rather than buying one bond for $10,000, you can literally buy one share of an ETF, which trades like stocks, incurring a transaction fee to buy or sell shares. And with the advent of deep-discount online brokerage firms, you now can afford to make monthly purchases of exchange-traded funds.</p>\r\n</li>\r\n</ul>\r\nWhich automatic savings programs are available to you, and how much can you direct to each of these automatic plans? Use the Making Your Investments Automatic Worksheet to put these steps in action.\r\n\r\n<img src=\"//coursofppt.com/wp-content/uploads/114684.image0.jpg\" alt=\"image0.jpg\" width=\"233\" height=\"400\" />\r\n\r\n<a href=\"//media.wiley.com/Lux/assets/76/114276.099339 un1403.pdf\" target=\"_blank\" rel=\"noopener\">Click here to download and print the Making Your Investments Automatic worksheet.</a>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"primaryCategoryTaxonomy":{"categoryId":33523,"title":"General Macs","slug":"general-macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208422,"title":"Personal Finance Workbook For Dummies Cheat Sheet","slug":"personal-finance-workbook-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208422"}},{"articleId":197146,"title":"Creating Files to Organize Tax Records","slug":"creating-files-to-organize-tax-records","categoryList":["business-careers-money","personal-finance","taxes"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197146"}},{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181909,"title":"Considering Your Financial Future","slug":"considering-your-financial-future","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181909"}},{"articleId":181884,"title":"Questions to Ask when Hiring a Financial Advisor","slug":"questions-to-ask-when-hiring-a-financial-advisor","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181884"}}],"fromCategory":[{"articleId":267212,"title":"How to Establish an Apple Identity on a Mac","slug":"how-to-establish-an-apple-identity-on-a-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267212"}},{"articleId":267203,"title":"How to Store Your Data in iCloud","slug":"how-to-store-your-data-in-icloud","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267203"}},{"articleId":267197,"title":"Safari Privacy: Safe Ways to Store Personal Info","slug":"safari-privacy-safe-ways-to-store-personal-info","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267197"}},{"articleId":267194,"title":"How to Use Touch ID on Your Mac","slug":"how-to-use-touch-id-on-your-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267194"}},{"articleId":266528,"title":"How to Customize Your MacBook’s Catalina Firewall","slug":"how-to-customize-your-macbooks-catalina-firewall","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/266528"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282461,"slug":"personal-finance-workbook-for-dummies-2nd-edition","isbn":"9781118106259","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"amazon":{"default":"//www.amazon.com/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1118106253-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/personal-finance-workbook-for-dummies-2nd-edition-cover-9781118106259-203x255.jpg","width":203,"height":255},"title":"Personal Finance Workbook For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a Certified Financial Planner professional and founder of The Garrett Planning Network, Inc.","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-6452cb8f95c86\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-6452cb8f963ad\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Advance","lifeExpectancy":"Five years","lifeExpectancySetFrom":"2024-05-03T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":197098},{"headers":{"creationTime":"2017-03-27T16:52:40+00:00","modifiedTime":"2023-03-08T19:38:45+00:00","timestamp":"2023-09-14T18:19:22+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34273"},"slug":"personal-finance","categoryId":34273},{"name":"General Personal Finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34311"},"slug":"general-personal-finance","categoryId":34311}],"title":"Personal Finance Workbook For Dummies Cheat Sheet","strippedTitle":"personal finance workbook for dummies cheat sheet","slug":"personal-finance-workbook-for-dummies-cheat-sheet","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"Does money seem to slip through your fingers? Get a handle on your personal finances by wiping out debt and considering your future.","noIndex":0,"noFollow":0},"content":"Getting a handle on your personal finances can be tough. We’re constantly being urged to spend, spend, spend, while others encourage us to save, save, save! The good news is that you can create a healthy balance between the two. When you understand your personal financial situation, you can make smart decisions about what to do with your money.\r\n\r\n[caption id=\"attachment_288972\" align=\"alignnone\" width=\"630\"]<img class=\"wp-image-288972 size-full\" src=\"//coursofppt.com/wp-content/uploads/PersonalFinance.png\" alt=\"Hand putting card into ATM\" width=\"630\" height=\"420\" /> © Giovanni Gagliardi / Unsplash.com[/caption]","description":"Getting a handle on your personal finances can be tough. We’re constantly being urged to spend, spend, spend, while others encourage us to save, save, save! The good news is that you can create a healthy balance between the two. When you understand your personal financial situation, you can make smart decisions about what to do with your money.\r\n\r\n[caption id=\"attachment_288972\" align=\"alignnone\" width=\"630\"]<img class=\"wp-image-288972 size-full\" src=\"//coursofppt.com/wp-content/uploads/PersonalFinance.png\" alt=\"Hand putting card into ATM\" width=\"630\" height=\"420\" /> © Giovanni Gagliardi / Unsplash.com[/caption]","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"primaryCategoryTaxonomy":{"categoryId":34311,"title":"General Personal Finance","slug":"general-personal-finance","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34311"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":197146,"title":"Creating Files to Organize Tax Records","slug":"creating-files-to-organize-tax-records","categoryList":["business-careers-money","personal-finance","taxes"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197146"}},{"articleId":197098,"title":"Establishing Automatic Investment Programs for Retirement","slug":"establishing-automatic-investment-programs-for-retirement","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197098"}},{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181909,"title":"Considering Your Financial Future","slug":"considering-your-financial-future","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181909"}},{"articleId":181884,"title":"Questions to Ask when Hiring a Financial Advisor","slug":"questions-to-ask-when-hiring-a-financial-advisor","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181884"}}],"fromCategory":[{"articleId":288537,"title":"Financial Security For Dummies Cheat Sheet","slug":"financial-security-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/288537"}},{"articleId":249522,"title":"Personal Finance in Your 20s and 30s: Online Resources to Find Service Providers","slug":"personal-finance-20s-30s-online-resources-find-service-providers","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/249522"}},{"articleId":240164,"title":"How to Write a Check","slug":"how-to-write-a-check","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/240164"}},{"articleId":208905,"title":"Personal Finance For Canadians For Dummies Cheat Sheet","slug":"personal-finance-for-canadians-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208905"}},{"articleId":208797,"title":"Personal Finance in Your 20s and 30s For Dummies Cheat Sheet","slug":"personal-finance-in-your-20s-30s-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208797"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282461,"slug":"personal-finance-workbook-for-dummies-2nd-edition","isbn":"9781118106259","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"amazon":{"default":"//www.amazon.com/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1118106253-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/personal-finance-workbook-for-dummies-2nd-edition-cover-9781118106259-203x255.jpg","width":203,"height":255},"title":"Personal Finance Workbook For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a Certified Financial Planner professional and founder of The Garrett Planning Network, Inc.","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[{"title":"Make a Commitment to Better Yourself","slug":"make-a-commitment-to-better-yourself","collectionId":290164}],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;general-personal-finance&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-63221b2a38513\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;personal-finance&quot;,&quot;general-personal-finance&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-63221b2a38fbc\"></div></div>"},"articleType":{"articleType":"Cheat Sheet","articleList":[{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181909,"title":"Considering Your Financial Future","slug":"considering-your-financial-future","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181909"}},{"articleId":181883,"title":"Teaching Children about Money","slug":"teaching-children-about-money","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181883"}},{"articleId":181884,"title":"Questions to Ask when Hiring a Financial Advisor","slug":"questions-to-ask-when-hiring-a-financial-advisor","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181884"}}],"content":[{"title":"How to wipe out credit card debt","thumb":null,"image":null,"content":"<p>When you’re ready to eliminate your credit card debt, you can take one of two approaches: pay off the card with the highest balance first, which allows you to save on interest in the long-run, or pay off the smallest balance first, which makes you feel good about your progress.</p>\n<p>Choose your preferred method and then follow these steps to wipe out your credit card debt:</p>\n<ol class=\"level-one\">\n<li>\n<p class=\"first-para\">List all your credit card debtors in order of the highest-interest-rate first or the smallest balance first, whichever you feel may be most effective.</p>\n</li>\n<li>\n<p class=\"first-para\">List the current balances on each of these accounts.</p>\n</li>\n<li>\n<p class=\"first-para\">List the minimum required monthly payment for each account.</p>\n</li>\n<li>\n<p class=\"first-para\">Total the minimum required monthly payments.</p>\n</li>\n<li>\n<p class=\"first-para\">Apply any surplus funds toward your highest-interest-rate debt or the debts with the smallest balances.</p>\n</li>\n</ol>\n"},{"title":"Considering your financial future","thumb":null,"image":null,"content":"<p>Managing your personal finances requires a balance between what you need and want today and what you’ll need and want in the future. Always going for instant gratification leads to constant dissatisfaction! Instead, plan ahead by using the following tips:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"first-para\">Write down your goals. Be specific and revisit them annually.</p>\n</li>\n<li>\n<p class=\"first-para\">Save at least the first 10 percent of your income.</p>\n</li>\n<li>\n<p class=\"first-para\">Set up your savings and investing to occur automatically.</p>\n</li>\n<li>\n<p class=\"first-para\">Don’t miss out on free money from the matching contribution in your employer’s retirement plan or the phenomenal benefits of the Roth IRA.</p>\n</li>\n<li>\n<p class=\"first-para\">Don’t use credit if you can’t pay cash. Credit cards are convenience tools, not loans. If you can’t afford it today, you can’t afford to pay twice as much over time. Going into debt gives others control of your financial freedom.</p>\n</li>\n<li>\n<p class=\"first-para\">Before spending money, always ask yourself, “How will this affect my net worth?”</p>\n</li>\n</ul>\n<p>Remember: Nobody will watch out for your money better than you, and everybody wants a piece of what you have!</p>\n"},{"title":"Teaching children about money","thumb":null,"image":null,"content":"<p>As an adult, you need to model good money-management behaviors for children and involve them as much as possible in your decisions about money. Here are some ways you can interact with your children to help instill healthy money-management behavior:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"first-para\"><b>Give children specific roles with regard to daily, weekly, and monthly money-management activities.</b> This can include finding and printing coupons online or in the mail, making selections when grocery shopping, and going to the bank and interacting with the teller.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Help children discover that compromises are normal.</b> Involve your children in a conversation about compromises regarding money-management decisions. Share the issues and your thoughts with your children and ask for their ideas.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Allow your children the opportunity to earn their own money and make their own decisions about what to do with it,</b> <b>with minimal influence on your part.</b> If what they do with their money isn’t dangerous or illegal — regardless of how practical you think it is — allow them to proceed. Having responsibility and autonomy leaves them open to making bad decisions, but they’ll learn invaluable lessons about money management while you’re nearby to provide guidance when necessary.</p>\n</li>\n</ul>\n"},{"title":"Questions to ask when hiring a financial advisor","thumb":null,"image":null,"content":"<p>You, the client, have the right to ask any questions you feel are appropriate to help you select the right advisor. If you’re trying to figure out whether an advisor is worth your hard-earned dollars, be sure to ask the following questions:</p>\n<ul class=\"level-one\">\n<li>\n<p class=\"first-para\"><b>How and how much are you paid?</b> Advisors are required to tell you how they’re paid but not how much. If an advisor quotes their compensation as a percentage, ask them to convert that compensation into dollars and get it in writing. Don’t settle for the common brush-off response, “I’m paid by the company.” The advisor doesn’t get paid by the company if they don&#8217;t sell you some sort of an insurance or investment product. And if the advisor can’t or won’t tell you how much they’ll be compensated if you work with them, they&#8217;re definitely getting paid commissions and likely don’t want to tell you how much.</p>\n</li>\n<li>\n<p class=\"first-para\"><b>Are you a fiduciary?</b> A <i>fiduciary</i> has a legal responsibility to put her client’s interest above all others. If you’re seeking professional, objective financial advice, don’t settle for anything less than a fiduciary.</p>\n</li>\n</ul>\n<p>Starting with these questions saves you a lot of time because asking them eliminates the overwhelming majority of advisors. Now you can concentrate your search for an advisor based on her qualifications, experience, and expertise.</p>\n"}],"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Solve","lifeExpectancy":"One year","lifeExpectancySetFrom":"2022-10-15T00:00:00+00:00","dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":208422},{"headers":{"creationTime":"2017-03-27T16:51:44+00:00","modifiedTime":"2017-03-27T16:51:44+00:00","timestamp":"2023-09-14T18:13:49+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34256"},"slug":"careers","categoryId":34256},{"name":"Military Careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34266"},"slug":"military-careers","categoryId":34266}],"title":"A Family’s Guide to the Military For Dummies Cheat Sheet","strippedTitle":"a family’s guide to the military for dummies cheat sheet","slug":"a-familys-guide-to-the-military-for-dummies-cheat-sheet","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"If your family is embarking on a military career, your life could be unpredictable, stressful, and ever-changing. You'll want to keep your military family happy","noIndex":0,"noFollow":0},"content":"<p>If your family is embarking on a military career, your life could be unpredictable, stressful, and ever-changing. You'll want to keep your military family happy, ease the stress of making frequent moves, and connect with other military families. To further minimize your stress, learn to manage your monthly finances and the time away from your deployed spouse.</p>\n","description":"<p>If your family is embarking on a military career, your life could be unpredictable, stressful, and ever-changing. You'll want to keep your military family happy, ease the stress of making frequent moves, and connect with other military families. To further minimize your stress, learn to manage your monthly finances and the time away from your deployed spouse.</p>\n","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}},{"authorId":9920,"name":"Sue Hoppin","slug":"sue-hoppin","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. 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In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}},{"authorId":9920,"name":"Sue Hoppin","slug":"sue-hoppin","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. 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Unit","slug":"connecting-to-the-military-unit","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174213"}},{"articleId":174240,"title":"Determining a Military Family’s Monthly Expenses","slug":"determining-a-military-familys-monthly-expenses","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174240"}},{"articleId":174239,"title":"How to Manage Separation Anxiety","slug":"how-to-manage-separation-anxiety","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174239"}}],"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":null,"lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":208255},{"headers":{"creationTime":"2017-03-26T19:06:56+00:00","modifiedTime":"2017-03-26T19:06:56+00:00","timestamp":"2023-09-14T18:08:17+00:00"},"data":{"breadcrumbs":[{"name":"Technology","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33512"},"slug":"technology","categoryId":33512},{"name":"Computers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33513"},"slug":"computers","categoryId":33513},{"name":"Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33520"},"slug":"macs","categoryId":33520},{"name":"General Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"},"slug":"general-macs","categoryId":33523}],"title":"How to Wipe Out Credit Card Debt","strippedTitle":"how to wipe out credit card debt","slug":"how-to-wipe-out-credit-card-debt","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"When you’re ready to eliminate your credit card debt, you can take one of two approaches: pay off the card with the highest balance first, which allows you to s","noIndex":0,"noFollow":0},"content":"<p>When you’re ready to eliminate your credit card debt, you can take one of two approaches: pay off the card with the highest balance first, which allows you to save on interest in the long-run, or pay off the smallest balance first, which makes you feel good about your progress.</p>\n<p>Choose your preferred method and then follow these steps to wipe out your credit card debt:</p>\n<ol class=\"level-one\">\n <li><p class=\"first-para\">List all your credit card debtors in order of the highest-interest-rate first or the smallest balance first, whichever you feel may be most effective.</p>\n </li>\n <li><p class=\"first-para\">List the current balances on each of these accounts.</p>\n </li>\n <li><p class=\"first-para\">List the minimum required monthly payment for each account.</p>\n </li>\n <li><p class=\"first-para\">Total the minimum required monthly payments.</p>\n </li>\n <li><p class=\"first-para\"> Apply any surplus funds toward your highest-interest-rate debt or the debts with the smallest balances.</p>\n </li>\n</ol>","description":"<p>When you’re ready to eliminate your credit card debt, you can take one of two approaches: pay off the card with the highest balance first, which allows you to save on interest in the long-run, or pay off the smallest balance first, which makes you feel good about your progress.</p>\n<p>Choose your preferred method and then follow these steps to wipe out your credit card debt:</p>\n<ol class=\"level-one\">\n <li><p class=\"first-para\">List all your credit card debtors in order of the highest-interest-rate first or the smallest balance first, whichever you feel may be most effective.</p>\n </li>\n <li><p class=\"first-para\">List the current balances on each of these accounts.</p>\n </li>\n <li><p class=\"first-para\">List the minimum required monthly payment for each account.</p>\n </li>\n <li><p class=\"first-para\">Total the minimum required monthly payments.</p>\n </li>\n <li><p class=\"first-para\"> Apply any surplus funds toward your highest-interest-rate debt or the debts with the smallest balances.</p>\n </li>\n</ol>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. 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Always going for instant gr","noIndex":0,"noFollow":0},"content":"<p>Managing your personal finances requires a balance between what you need and want today and what you’ll need and want in the future. Always going for instant gratification leads to constant dissatisfaction! Instead, plan ahead by using the following tips:</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\">Write down your goals. Be specific and revisit them annually.</p>\n </li>\n <li><p class=\"first-para\">Save at least the first 10 percent of your income.</p>\n </li>\n <li><p class=\"first-para\">Set up your savings and investing to occur automatically.</p>\n </li>\n <li><p class=\"first-para\">Don’t miss out on free money from the matching contribution in your employer’s retirement plan or the phenomenal benefits of the Roth IRA.</p>\n </li>\n <li><p class=\"first-para\">Don’t use credit if you can’t pay cash. Credit cards are convenience tools, not loans. If you can’t afford it today, you can’t afford to pay twice as much over time. Going into debt gives others control of your financial freedom.</p>\n </li>\n <li><p class=\"first-para\">Before spending money, always ask yourself, “How will this affect my net worth?”</p>\n </li>\n</ul>\n<p>Remember: Nobody will watch out for your money better than you, and everybody wants a piece of what you have!</p>","description":"<p>Managing your personal finances requires a balance between what you need and want today and what you’ll need and want in the future. Always going for instant gratification leads to constant dissatisfaction! Instead, plan ahead by using the following tips:</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\">Write down your goals. Be specific and revisit them annually.</p>\n </li>\n <li><p class=\"first-para\">Save at least the first 10 percent of your income.</p>\n </li>\n <li><p class=\"first-para\">Set up your savings and investing to occur automatically.</p>\n </li>\n <li><p class=\"first-para\">Don’t miss out on free money from the matching contribution in your employer’s retirement plan or the phenomenal benefits of the Roth IRA.</p>\n </li>\n <li><p class=\"first-para\">Don’t use credit if you can’t pay cash. Credit cards are convenience tools, not loans. If you can’t afford it today, you can’t afford to pay twice as much over time. Going into debt gives others control of your financial freedom.</p>\n </li>\n <li><p class=\"first-para\">Before spending money, always ask yourself, “How will this affect my net worth?”</p>\n </li>\n</ul>\n<p>Remember: Nobody will watch out for your money better than you, and everybody wants a piece of what you have!</p>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"primaryCategoryTaxonomy":{"categoryId":33523,"title":"General Macs","slug":"general-macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208422,"title":"Personal Finance Workbook For Dummies Cheat Sheet","slug":"personal-finance-workbook-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208422"}},{"articleId":197146,"title":"Creating Files to Organize Tax Records","slug":"creating-files-to-organize-tax-records","categoryList":["business-careers-money","personal-finance","taxes"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197146"}},{"articleId":197098,"title":"Establishing Automatic Investment Programs for Retirement","slug":"establishing-automatic-investment-programs-for-retirement","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197098"}},{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181884,"title":"Questions to Ask when Hiring a Financial Advisor","slug":"questions-to-ask-when-hiring-a-financial-advisor","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181884"}}],"fromCategory":[{"articleId":267212,"title":"How to Establish an Apple Identity on a Mac","slug":"how-to-establish-an-apple-identity-on-a-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267212"}},{"articleId":267203,"title":"How to Store Your Data in iCloud","slug":"how-to-store-your-data-in-icloud","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267203"}},{"articleId":267197,"title":"Safari Privacy: Safe Ways to Store Personal Info","slug":"safari-privacy-safe-ways-to-store-personal-info","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267197"}},{"articleId":267194,"title":"How to Use Touch ID on Your Mac","slug":"how-to-use-touch-id-on-your-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267194"}},{"articleId":266528,"title":"How to Customize Your MacBook’s Catalina Firewall","slug":"how-to-customize-your-macbooks-catalina-firewall","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/266528"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282461,"slug":"personal-finance-workbook-for-dummies-2nd-edition","isbn":"9781118106259","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"amazon":{"default":"//www.amazon.com/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1118106253-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/personal-finance-workbook-for-dummies-2nd-edition-cover-9781118106259-203x255.jpg","width":203,"height":255},"title":"Personal Finance Workbook For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a Certified Financial Planner professional and founder of The Garrett Planning Network, Inc.","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-632218910c8b3\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-632218910d1b6\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Explore","lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":181909},{"headers":{"creationTime":"2017-03-26T19:06:37+00:00","modifiedTime":"2017-03-26T19:06:37+00:00","timestamp":"2023-09-14T18:08:16+00:00"},"data":{"breadcrumbs":[{"name":"Technology","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33512"},"slug":"technology","categoryId":33512},{"name":"Computers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33513"},"slug":"computers","categoryId":33513},{"name":"Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33520"},"slug":"macs","categoryId":33520},{"name":"General Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"},"slug":"general-macs","categoryId":33523}],"title":"Questions to Ask when Hiring a Financial Advisor","strippedTitle":"questions to ask when hiring a financial advisor","slug":"questions-to-ask-when-hiring-a-financial-advisor","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"You, the client, have the right to ask any questions you feel are appropriate to help you select the right advisor. If you’re trying to figure out whether an ad","noIndex":0,"noFollow":0},"content":"<p>You, the client, have the right to ask any questions you feel are appropriate to help you select the right advisor. If you’re trying to figure out whether an advisor is worth your hard-earned dollars, be sure to ask the following questions:</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\"><b>How and how much are you paid?</b> Advisors are required to tell you how they’re paid but not how much. If an advisor quotes her compensation as a percentage, ask her to convert that compensation into dollars and get it in writing. Don’t settle for the common brush-off response, “I’m paid by the company.” The advisor doesn’t get paid by the company if she doesn’t sell you some sort of an insurance or investment product. And if the advisor can’t or won’t tell you how much she’ll be compensated if you work with her, she’s definitely getting paid commissions and likely doesn’t want to tell you how much.</p>\n </li>\n <li><p class=\"first-para\"><b>Are you a fiduciary?</b> A <i>fiduciary</i> has a legal responsibility to put her client’s interest above all others. If you’re seeking professional, objective financial advice, don’t settle for anything less than a fiduciary.</p>\n </li>\n</ul>\n<p>Starting with these questions saves you a lot of time because asking them eliminates the overwhelming majority of advisors. Now you can concentrate your search for an advisor based on her qualifications, experience, and expertise.</p>","description":"<p>You, the client, have the right to ask any questions you feel are appropriate to help you select the right advisor. If you’re trying to figure out whether an advisor is worth your hard-earned dollars, be sure to ask the following questions:</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\"><b>How and how much are you paid?</b> Advisors are required to tell you how they’re paid but not how much. If an advisor quotes her compensation as a percentage, ask her to convert that compensation into dollars and get it in writing. Don’t settle for the common brush-off response, “I’m paid by the company.” The advisor doesn’t get paid by the company if she doesn’t sell you some sort of an insurance or investment product. And if the advisor can’t or won’t tell you how much she’ll be compensated if you work with her, she’s definitely getting paid commissions and likely doesn’t want to tell you how much.</p>\n </li>\n <li><p class=\"first-para\"><b>Are you a fiduciary?</b> A <i>fiduciary</i> has a legal responsibility to put her client’s interest above all others. If you’re seeking professional, objective financial advice, don’t settle for anything less than a fiduciary.</p>\n </li>\n</ul>\n<p>Starting with these questions saves you a lot of time because asking them eliminates the overwhelming majority of advisors. Now you can concentrate your search for an advisor based on her qualifications, experience, and expertise.</p>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"primaryCategoryTaxonomy":{"categoryId":33523,"title":"General Macs","slug":"general-macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208422,"title":"Personal Finance Workbook For Dummies Cheat Sheet","slug":"personal-finance-workbook-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208422"}},{"articleId":197146,"title":"Creating Files to Organize Tax Records","slug":"creating-files-to-organize-tax-records","categoryList":["business-careers-money","personal-finance","taxes"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197146"}},{"articleId":197098,"title":"Establishing Automatic Investment Programs for Retirement","slug":"establishing-automatic-investment-programs-for-retirement","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197098"}},{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181909,"title":"Considering Your Financial Future","slug":"considering-your-financial-future","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181909"}}],"fromCategory":[{"articleId":267212,"title":"How to Establish an Apple Identity on a Mac","slug":"how-to-establish-an-apple-identity-on-a-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267212"}},{"articleId":267203,"title":"How to Store Your Data in iCloud","slug":"how-to-store-your-data-in-icloud","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267203"}},{"articleId":267197,"title":"Safari Privacy: Safe Ways to Store Personal Info","slug":"safari-privacy-safe-ways-to-store-personal-info","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267197"}},{"articleId":267194,"title":"How to Use Touch ID on Your Mac","slug":"how-to-use-touch-id-on-your-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267194"}},{"articleId":266528,"title":"How to Customize Your MacBook’s Catalina Firewall","slug":"how-to-customize-your-macbooks-catalina-firewall","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/266528"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282461,"slug":"personal-finance-workbook-for-dummies-2nd-edition","isbn":"9781118106259","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"amazon":{"default":"//www.amazon.com/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1118106253-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/personal-finance-workbook-for-dummies-2nd-edition-cover-9781118106259-203x255.jpg","width":203,"height":255},"title":"Personal Finance Workbook For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a Certified Financial Planner professional and founder of The Garrett Planning Network, Inc.","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-63221890f0bd8\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-63221890f1470\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Explore","lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":181884},{"headers":{"creationTime":"2017-03-26T19:06:36+00:00","modifiedTime":"2017-03-26T19:06:36+00:00","timestamp":"2023-09-14T18:08:16+00:00"},"data":{"breadcrumbs":[{"name":"Technology","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33512"},"slug":"technology","categoryId":33512},{"name":"Computers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33513"},"slug":"computers","categoryId":33513},{"name":"Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33520"},"slug":"macs","categoryId":33520},{"name":"General Macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"},"slug":"general-macs","categoryId":33523}],"title":"Teaching Children about Money","strippedTitle":"teaching children about money","slug":"teaching-children-about-money","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"As an adult, you need to model good money-management behaviors for children and involve them as much as possible in your decisions about money. Here are some wa","noIndex":0,"noFollow":0},"content":"<p>As an adult, you need to model good money-management behaviors for children and involve them as much as possible in your decisions about money. Here are some ways you can interact with your children to help instill healthy money-management behavior:</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\"><b>Give children specific roles with regard to daily, weekly, and monthly money-management activities.</b> This can include clipping coupons from the Sunday paper, making selections when grocery shopping, and going to the bank and interacting with the teller.</p>\n </li>\n <li><p class=\"first-para\"><b>Help children discover that compromises are normal.</b> Involve your children in a conversation about compromises regarding money-management decisions. Share the issues and your thoughts with your children and ask for their ideas.</p>\n </li>\n <li><p class=\"first-para\"><b>Allow your children the opportunity to earn their own money and make their own decisions about what to do with it,</b> <b>with minimal influence on your part.</b> If what they do with their money isn’t dangerous or illegal — regardless of how practical you think it is — allow them to proceed. Having responsibility and autonomy leaves them open to making bad decisions, but they’ll learn invaluable lessons about money management while you’re nearby to provide guidance when necessary.</p>\n </li>\n</ul>","description":"<p>As an adult, you need to model good money-management behaviors for children and involve them as much as possible in your decisions about money. Here are some ways you can interact with your children to help instill healthy money-management behavior:</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\"><b>Give children specific roles with regard to daily, weekly, and monthly money-management activities.</b> This can include clipping coupons from the Sunday paper, making selections when grocery shopping, and going to the bank and interacting with the teller.</p>\n </li>\n <li><p class=\"first-para\"><b>Help children discover that compromises are normal.</b> Involve your children in a conversation about compromises regarding money-management decisions. Share the issues and your thoughts with your children and ask for their ideas.</p>\n </li>\n <li><p class=\"first-para\"><b>Allow your children the opportunity to earn their own money and make their own decisions about what to do with it,</b> <b>with minimal influence on your part.</b> If what they do with their money isn’t dangerous or illegal — regardless of how practical you think it is — allow them to proceed. Having responsibility and autonomy leaves them open to making bad decisions, but they’ll learn invaluable lessons about money management while you’re nearby to provide guidance when necessary.</p>\n </li>\n</ul>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"primaryCategoryTaxonomy":{"categoryId":33523,"title":"General Macs","slug":"general-macs","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/33523"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208422,"title":"Personal Finance Workbook For Dummies Cheat Sheet","slug":"personal-finance-workbook-for-dummies-cheat-sheet","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208422"}},{"articleId":197146,"title":"Creating Files to Organize Tax Records","slug":"creating-files-to-organize-tax-records","categoryList":["business-careers-money","personal-finance","taxes"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197146"}},{"articleId":197098,"title":"Establishing Automatic Investment Programs for Retirement","slug":"establishing-automatic-investment-programs-for-retirement","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/197098"}},{"articleId":181915,"title":"How to Wipe Out Credit Card Debt","slug":"how-to-wipe-out-credit-card-debt","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181915"}},{"articleId":181909,"title":"Considering Your Financial Future","slug":"considering-your-financial-future","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/181909"}}],"fromCategory":[{"articleId":267212,"title":"How to Establish an Apple Identity on a Mac","slug":"how-to-establish-an-apple-identity-on-a-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267212"}},{"articleId":267203,"title":"How to Store Your Data in iCloud","slug":"how-to-store-your-data-in-icloud","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267203"}},{"articleId":267197,"title":"Safari Privacy: Safe Ways to Store Personal Info","slug":"safari-privacy-safe-ways-to-store-personal-info","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267197"}},{"articleId":267194,"title":"How to Use Touch ID on Your Mac","slug":"how-to-use-touch-id-on-your-mac","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/267194"}},{"articleId":266528,"title":"How to Customize Your MacBook’s Catalina Firewall","slug":"how-to-customize-your-macbooks-catalina-firewall","categoryList":["technology","computers","macs","general-macs"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/266528"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282461,"slug":"personal-finance-workbook-for-dummies-2nd-edition","isbn":"9781118106259","categoryList":["business-careers-money","personal-finance","general-personal-finance"],"amazon":{"default":"//www.amazon.com/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/1118106253-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/1118106253/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/personal-finance-workbook-for-dummies-2nd-edition-cover-9781118106259-203x255.jpg","width":203,"height":255},"title":"Personal Finance Workbook For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a Certified Financial Planner professional and founder of The Garrett Planning Network, Inc.","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-63221890e062e\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;technology&quot;,&quot;computers&quot;,&quot;macs&quot;,&quot;general-macs&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9781118106259&quot;]}]\" id=\"du-slot-63221890e0eef\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":"Explore","lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":181883},{"headers":{"creationTime":"2017-03-26T17:23:42+00:00","modifiedTime":"2017-03-26T17:23:42+00:00","timestamp":"2023-09-14T18:06:54+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34256"},"slug":"careers","categoryId":34256},{"name":"Military Careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34266"},"slug":"military-careers","categoryId":34266}],"title":"Determining a Military Family’s Monthly Expenses","strippedTitle":"determining a military family’s monthly expenses","slug":"determining-a-military-familys-monthly-expenses","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"You should review your finances any time your family starts on a new career path, and the military is no exception. Know how much money you really need to purch","noIndex":0,"noFollow":0},"content":"<p>You should review your finances any time your family starts on a new career path, and the military is no exception. Know how much money you <i>really</i> need to purchase essentials for your family — food, clothing, shelter, medical care, and insurance. Most of these required expenses are provided by, or supplemented by, the military. The following is a list of the types of expenses incurred by a typical military family.</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\">Shelter:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Home mortgage or rent</p>\n </li>\n <li><p class=\"first-para\">Utilities: electric, gas, water, sewer, trash pickup, and basic telephone service</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Protection: Life, disability, homeowners, renters, health, and auto insurance</p>\n </li>\n <li><p class=\"first-para\">Healthcare/medical and dental care</p>\n </li>\n <li><p class=\"first-para\">Prescription drugs</p>\n </li>\n <li><p class=\"first-para\">Childcare</p>\n </li>\n <li><p class=\"first-para\">Savings: minimum of 10 percent of gross income</p>\n </li>\n <li><p class=\"first-para\">Food:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Groceries: basic essentials only</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Clothing and clothing maintenance</p>\n </li>\n <li><p class=\"first-para\">Basic hygiene:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Personal: toothpaste, deodorant, haircuts</p>\n </li>\n <li><p class=\"first-para\">Household: laundry detergent, toilet paper</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Transportation:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Automobile loan or lease payment</p>\n </li>\n <li><p class=\"first-para\">Auto maintenance</p>\n </li>\n <li><p class=\"first-para\">Gasoline</p>\n </li>\n <li><p class=\"first-para\">Other: tolls, parking, public transportation</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Legal requirements:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Real estate and property taxes</p>\n </li>\n <li><p class=\"first-para\">Child support</p>\n </li>\n <li><p class=\"first-para\">Alimony</p>\n </li>\n <li><p class=\"first-para\">Other debts: school loans, personal loans, credit cards, and so on</p>\n </li>\n </ul>\n </li>\n</ul>\n<p>You won’t find an expense category for dining-out, entertainment, subscriptions, health club memberships, summer camp, birthdays, charitable contributions, cable television, or mobile phones. These types of expenses, although very common and convenient, are discretionary expenses.</p>","description":"<p>You should review your finances any time your family starts on a new career path, and the military is no exception. Know how much money you <i>really</i> need to purchase essentials for your family — food, clothing, shelter, medical care, and insurance. Most of these required expenses are provided by, or supplemented by, the military. The following is a list of the types of expenses incurred by a typical military family.</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\">Shelter:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Home mortgage or rent</p>\n </li>\n <li><p class=\"first-para\">Utilities: electric, gas, water, sewer, trash pickup, and basic telephone service</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Protection: Life, disability, homeowners, renters, health, and auto insurance</p>\n </li>\n <li><p class=\"first-para\">Healthcare/medical and dental care</p>\n </li>\n <li><p class=\"first-para\">Prescription drugs</p>\n </li>\n <li><p class=\"first-para\">Childcare</p>\n </li>\n <li><p class=\"first-para\">Savings: minimum of 10 percent of gross income</p>\n </li>\n <li><p class=\"first-para\">Food:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Groceries: basic essentials only</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Clothing and clothing maintenance</p>\n </li>\n <li><p class=\"first-para\">Basic hygiene:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Personal: toothpaste, deodorant, haircuts</p>\n </li>\n <li><p class=\"first-para\">Household: laundry detergent, toilet paper</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Transportation:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Automobile loan or lease payment</p>\n </li>\n <li><p class=\"first-para\">Auto maintenance</p>\n </li>\n <li><p class=\"first-para\">Gasoline</p>\n </li>\n <li><p class=\"first-para\">Other: tolls, parking, public transportation</p>\n </li>\n </ul>\n </li>\n <li><p class=\"first-para\">Legal requirements:</p>\n <ul class=\"level-two\">\n <li><p class=\"first-para\">Real estate and property taxes</p>\n </li>\n <li><p class=\"first-para\">Child support</p>\n </li>\n <li><p class=\"first-para\">Alimony</p>\n </li>\n <li><p class=\"first-para\">Other debts: school loans, personal loans, credit cards, and so on</p>\n </li>\n </ul>\n </li>\n</ul>\n<p>You won’t find an expense category for dining-out, entertainment, subscriptions, health club memberships, summer camp, birthdays, charitable contributions, cable television, or mobile phones. These types of expenses, although very common and convenient, are discretionary expenses.</p>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}},{"authorId":9920,"name":"Sue Hoppin","slug":"sue-hoppin","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9920"}}],"primaryCategoryTaxonomy":{"categoryId":34266,"title":"Military Careers","slug":"military-careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34266"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208255,"title":"A Family’s Guide to the Military For Dummies Cheat Sheet","slug":"a-familys-guide-to-the-military-for-dummies-cheat-sheet","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208255"}},{"articleId":174239,"title":"How to Manage Separation Anxiety","slug":"how-to-manage-separation-anxiety","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174239"}},{"articleId":174236,"title":"Tips for Building a Successful Military Family","slug":"tips-for-building-a-successful-military-family","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174236"}},{"articleId":174215,"title":"Minimize Stress about Moving","slug":"minimize-stress-about-moving","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174215"}},{"articleId":174213,"title":"Connecting to the Military Unit","slug":"connecting-to-the-military-unit","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174213"}}],"fromCategory":[{"articleId":208540,"title":"Basic Training For Dummies Cheat Sheet","slug":"basic-training-for-dummies-cheat-sheet","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208540"}},{"articleId":208255,"title":"A Family’s Guide to the Military For Dummies Cheat Sheet","slug":"a-familys-guide-to-the-military-for-dummies-cheat-sheet","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208255"}},{"articleId":187013,"title":"How to Follow Sentry Rules","slug":"how-to-follow-sentry-rules","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187013"}},{"articleId":187010,"title":"How to Master Military Ranks","slug":"how-to-master-military-ranks","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187010"}},{"articleId":187008,"title":"Mastering the Military Chain of Command","slug":"mastering-the-military-chain-of-command","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187008"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282188,"slug":"a-familys-guide-to-the-military-for-dummies","isbn":"9780470386972","categoryList":["business-careers-money","careers","military-careers"],"amazon":{"default":"//www.amazon.com/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/0470386975-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/a-familys-guide-to-the-military-for-dummies-cover-9780470386972-203x255.jpg","width":203,"height":255},"title":"A Family's Guide to the Military For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b data-author-id=\"9920\">Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}},{"authorId":9920,"name":"Sue Hoppin","slug":"sue-hoppin","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9920"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;careers&quot;,&quot;military-careers&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9780470386972&quot;]}]\" id=\"du-slot-6322183e3e7a0\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;careers&quot;,&quot;military-careers&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9780470386972&quot;]}]\" id=\"du-slot-6322183e3f027\"></div></div>"},"articleType":{"articleType":"Articles","articleList":null,"content":null,"videoInfo":{"videoId":null,"name":null,"accountId":null,"playerId":null,"thumbnailUrl":null,"description":null,"uploadDate":null}},"sponsorship":{"sponsorshipPage":false,"backgroundImage":{"src":null,"width":0,"height":0},"brandingLine":"","brandingLink":"","brandingLogo":{"src":null,"width":0,"height":0},"sponsorAd":"","sponsorEbookTitle":"","sponsorEbookLink":"","sponsorEbookImage":{"src":null,"width":0,"height":0}},"primaryLearningPath":null,"lifeExpectancy":null,"lifeExpectancySetFrom":null,"dummiesForKids":"no","sponsoredContent":"no","adInfo":"","adPairKey":[]},"status":"publish","visibility":"public","articleId":174240},{"headers":{"creationTime":"2017-03-26T17:23:41+00:00","modifiedTime":"2017-03-26T17:23:41+00:00","timestamp":"2023-09-14T18:06:54+00:00"},"data":{"breadcrumbs":[{"name":"Business, Careers, & Money","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34224"},"slug":"business-careers-money","categoryId":34224},{"name":"Careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34256"},"slug":"careers","categoryId":34256},{"name":"Military Careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34266"},"slug":"military-careers","categoryId":34266}],"title":"How to Manage Separation Anxiety","strippedTitle":"how to manage separation anxiety","slug":"how-to-manage-separation-anxiety","canonicalUrl":"","收数据库索登录器改进":{"metaDescription":"When your spouse is deployed with the military and you can watch the news 24 hours a day, it’s easy to let your imagination run wild. Technology’s a great thing","noIndex":0,"noFollow":0},"content":"<p>When your spouse is deployed with the military and you can watch the news 24 hours a day, it’s easy to let your imagination run wild. Technology’s a great thing, but sometimes enough is enough and you need to unplug. You’re going to have to find ways to manage your separation anxiety or you’ll find yourself coming apart. Try these tips to unwind.</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\"><b>Exercise regularly.</b> Even if it’s just a walk with a friend around the block, build some exercise into your routine to let off some steam.</p>\n </li>\n <li><p class=\"first-para\"><b>Eat healthfully.</b> It’s going to be tempting to not cook meals for one, but it’s worth making the effort instead of eating out all the time. Find the spouse of another deployed servicemember and share meals.</p>\n </li>\n <li><p class=\"first-para\"><b>Get your sleep.</b> It’s important to recharge your batteries every night.</p>\n </li>\n <li><p class=\"first-para\"><b>Stay away from toxic people.</b> You’ll recognize them — they’re the ones that generate drama. They will drain your lifeblood — and you do not have the time or energy for this. Do not empower them to take more of your attention than you’re willing to give.</p>\n </li>\n <li><p class=\"first-para\"><b>Have fun.</b> It’s okay to have fun while your spouse is deployed or TDY. You don’t have to do everything together. If you have an opportunity to take advantage of excursions or a little trip with another spouse and their kids, do it. It’ll help pass the time and keep your mind occupied.</p>\n </li>\n <li><p class=\"first-para\"><b>Get involved.</b> Don’t spend days alone in the house by yourself. Before too long, the days will string together and become weeks. Without knowing it, you might have cut yourself off from the outside world. If you’re not working outside the home, find volunteer opportunities that appeal to you or find other reasons to leave the house.</p>\n </li>\n <li><p class=\"first-para\"><b>Remember that your spouse has the best training possible and that he is good at his job.</b> Have faith that he will be fine.</p>\n </li>\n</ul>","description":"<p>When your spouse is deployed with the military and you can watch the news 24 hours a day, it’s easy to let your imagination run wild. Technology’s a great thing, but sometimes enough is enough and you need to unplug. You’re going to have to find ways to manage your separation anxiety or you’ll find yourself coming apart. Try these tips to unwind.</p>\n<ul class=\"level-one\">\n <li><p class=\"first-para\"><b>Exercise regularly.</b> Even if it’s just a walk with a friend around the block, build some exercise into your routine to let off some steam.</p>\n </li>\n <li><p class=\"first-para\"><b>Eat healthfully.</b> It’s going to be tempting to not cook meals for one, but it’s worth making the effort instead of eating out all the time. Find the spouse of another deployed servicemember and share meals.</p>\n </li>\n <li><p class=\"first-para\"><b>Get your sleep.</b> It’s important to recharge your batteries every night.</p>\n </li>\n <li><p class=\"first-para\"><b>Stay away from toxic people.</b> You’ll recognize them — they’re the ones that generate drama. They will drain your lifeblood — and you do not have the time or energy for this. Do not empower them to take more of your attention than you’re willing to give.</p>\n </li>\n <li><p class=\"first-para\"><b>Have fun.</b> It’s okay to have fun while your spouse is deployed or TDY. You don’t have to do everything together. If you have an opportunity to take advantage of excursions or a little trip with another spouse and their kids, do it. It’ll help pass the time and keep your mind occupied.</p>\n </li>\n <li><p class=\"first-para\"><b>Get involved.</b> Don’t spend days alone in the house by yourself. Before too long, the days will string together and become weeks. Without knowing it, you might have cut yourself off from the outside world. If you’re not working outside the home, find volunteer opportunities that appeal to you or find other reasons to leave the house.</p>\n </li>\n <li><p class=\"first-para\"><b>Remember that your spouse has the best training possible and that he is good at his job.</b> Have faith that he will be fine.</p>\n </li>\n</ul>","blurb":"","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9811"}},{"authorId":9920,"name":"Sue Hoppin","slug":"sue-hoppin","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9920"}}],"primaryCategoryTaxonomy":{"categoryId":34266,"title":"Military Careers","slug":"military-careers","_links":{"self":"//dummies-api.coursofppt.com/v2/categories/34266"}},"secondaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"tertiaryCategoryTaxonomy":{"categoryId":0,"title":null,"slug":null,"_links":null},"trendingArticles":null,"inThisArticle":[],"relatedArticles":{"fromBook":[{"articleId":208255,"title":"A Family’s Guide to the Military For Dummies Cheat Sheet","slug":"a-familys-guide-to-the-military-for-dummies-cheat-sheet","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208255"}},{"articleId":174240,"title":"Determining a Military Family’s Monthly Expenses","slug":"determining-a-military-familys-monthly-expenses","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174240"}},{"articleId":174236,"title":"Tips for Building a Successful Military Family","slug":"tips-for-building-a-successful-military-family","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174236"}},{"articleId":174215,"title":"Minimize Stress about Moving","slug":"minimize-stress-about-moving","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174215"}},{"articleId":174213,"title":"Connecting to the Military Unit","slug":"connecting-to-the-military-unit","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/174213"}}],"fromCategory":[{"articleId":208540,"title":"Basic Training For Dummies Cheat Sheet","slug":"basic-training-for-dummies-cheat-sheet","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208540"}},{"articleId":208255,"title":"A Family’s Guide to the Military For Dummies Cheat Sheet","slug":"a-familys-guide-to-the-military-for-dummies-cheat-sheet","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/208255"}},{"articleId":187013,"title":"How to Follow Sentry Rules","slug":"how-to-follow-sentry-rules","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187013"}},{"articleId":187010,"title":"How to Master Military Ranks","slug":"how-to-master-military-ranks","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187010"}},{"articleId":187008,"title":"Mastering the Military Chain of Command","slug":"mastering-the-military-chain-of-command","categoryList":["business-careers-money","careers","military-careers"],"_links":{"self":"//dummies-api.coursofppt.com/v2/articles/187008"}}]},"hasRelatedBookFromSearch":false,"relatedBook":{"bookId":282188,"slug":"a-familys-guide-to-the-military-for-dummies","isbn":"9780470386972","categoryList":["business-careers-money","careers","military-careers"],"amazon":{"default":"//www.amazon.com/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20","ca":"//www.amazon.ca/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20","indigo_ca":"//www.tkqlhce.com/click-9208661-13710633?url=//www.chapters.indigo.ca/en-ca/books/product/0470386975-item.html&cjsku=978111945484","gb":"//www.amazon.co.uk/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20","de":"//www.amazon.de/gp/product/0470386975/ref=as_li_tl?ie=UTF8&tag=wiley01-20"},"image":{"src":"//coursofppt.com/wp-content/uploads/a-familys-guide-to-the-military-for-dummies-cover-9780470386972-203x255.jpg","width":203,"height":255},"title":"A Family's Guide to the Military For Dummies","testBankPinActivationLink":"","bookOutOfPrint":false,"authorsInfo":"<b data-author-id=\"9811\">Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b data-author-id=\"9920\">Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","authors":[{"authorId":9811,"name":"Sheryl Garrett","slug":"sheryl-garrett","description":" <b>Sheryl Garrett</b> is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of <i>Personal Finance Workbook For Dummies</i>. <p><b>Sue Hoppin</b> is the Deputy Director for Spouse Outreach at the Military Officers Association of America. 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In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.</p>","hasArticle":false,"_links":{"self":"//dummies-api.coursofppt.com/v2/authors/9920"}}],"_links":{"self":"//dummies-api.coursofppt.com/v2/books/"}},"collections":[],"articleAds":{"footerAd":"<div class=\"du-ad-region row\" id=\"article_page_adhesion_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_adhesion_ad\" data-refreshed=\"false\" \r\n data-target = \"[{&quot;key&quot;:&quot;cat&quot;,&quot;values&quot;:[&quot;business-careers-money&quot;,&quot;careers&quot;,&quot;military-careers&quot;]},{&quot;key&quot;:&quot;isbn&quot;,&quot;values&quot;:[&quot;9780470386972&quot;]}]\" id=\"du-slot-6322183e37656\"></div></div>","rightAd":"<div class=\"du-ad-region row\" id=\"article_page_right_ad\"><div class=\"du-ad-unit col-md-12\" data-slot-id=\"article_page_right_ad\" data-refreshed=\"false\" \r\n data-target = 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Sheryl Garrett

Sheryl Garrett is a financial advisor, author, and speaker. She founded the Garrett Planning Network and is the author of Personal Finance Workbook For Dummies. Sue Hoppin is the Deputy Director for Spouse Outreach at the Military Officers Association of America. In 2007, Military Spouse magazine placed Sue on their 2007 Who's Who of Military Spouses list.

Articles From Sheryl Garrett

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Borrowing Money for Your Child's College Education Article / Updated 08-31-2023 After you've tapped out all other options, borrowing money to pay for college is your last resort. Your student should exhaust her borrowing options before you consider taking on any debt to pay for her college education. Putting yourself into debt to pay for your child's college education may have disastrous effects on your financial future — after all, there is no such thing as financial aid for your retirement. The best way to fund college costs, if borrowing is necessary, is to have your child borrow the money herself. Through federal student loan programs and financing programs available through various institutions, students have a number of attractive options available to them to finance college costs. Help your student apply for financial aid and exhaust all other resources and options prior to going into debt to pay for her college education. Your child can participate in work-study programs; do part-time work; acquire student loans, grants, and scholarships; attend college part-time while working full-time; or join AmeriCorps, the Peace Corps, or the military, all of which offer financial benefits for education. Tuition borrowing options If you borrow money for your child's college education, consider the list of primary resources: Federal PLUS loan: This loan is the best of all these options. The Parent Loan for Undergraduate Students (PLUS) is a popular, accessible, and reasonably priced loan where parents (with decent credit) can borrow up to the full cost of a dependent student's education minus any other financial aid for which the student qualifies. Repayment must begin within 60 days of receipt, and you may have up to ten years to repay the loan plus interest. For additional information visit the College Board online or call toll-free at 800-891-1253. Home equity line of credit: The interest rate on the loan will be high, and borrowing against your home equity can put your home at risk of foreclosure. 401(k) plan loan: If your 401(k) plan has a loan feature, the maximum amount you can borrow is the lesser of $50,000 or 50 percent of your vested account balance. Contact your 401(k) administrator for details. When you borrow money from your 401(k), that money is no longer invested. Even if you repay interest on this loan, you aren't getting the full benefit of your 401(k) plan investments. Also, the money you pull out of the 401(k) plan as a loan is pre-tax dollars, but the money you repay the loan with is after-tax. Wham! If you change employers while the loan is still outstanding and don't pay the loan in full, it's subject to a 10% early withdrawal penalty and taxation. Double wham! Unsecured loan from your bank: Also known as a signature loan, this loan is often the most expensive. The bank charges a much higher interest rate because no asset, such as a house, is securing this loan. These loans are often difficult to qualify for unless you have impeccable credit. Use the following table to organize possible financial-aid resources. Make a check in the left column if a particular source may be an option to pay for your child's college education, and if so, list the available funds in the column on the right. Tuition Borrowing Options for Parents Potential Option? Source Available Funds Federal PLUS Loan $ Home equity line of credit $ 401(k) plan loan $ Unsecured loan from bank $ Federal student aid programs Federal financial aid programs are intended to make up the difference between what your family can afford to pay and what college costs — and this aid is available to everyone. Although you may feel that your income level is too high and your child isn't eligible for financial aid, most Americans do qualify for aid in some way. With all loans, one of the primary issues to consider is the loan's cost — that is, the interest and any loan acquisition fees. The least expensive loan is general the one with the lowest interest rate. Here's a look at the cheapest federal student aid programs: Perkins loans have the strictest needs-based requirements. A student may borrow up to $5,500 per year, not to exceed $27,500. The current interest rate is 5 percent, and payments don't commence until the student graduates. Subsidized Stafford loans are also needs-based loans. A student may borrow up to $3,500 in the first year of undergraduate studies. This limit increases through college. As of this writing, the interest rate is 6.8 percent per year. The federal government, however, actually pays the interest due on the loan until the student is required to begin making payments six months after graduation. The loan must be paid over ten years. Unsubsidized Stafford loans are not needs based loans. The amount that you may borrow is identical to the Subsidized Stafford loan program if the student is your dependent. If the student is independent, however, he may borrow up to $5,500 initially with the limit increasing through the years of college. The interest rate on this type of loan is 6.8 percent annually, as of this writing. But, the federal government doesn't pay any of the interest on behalf of the student. Repayment begins six months after graduation, and the loan must be repaid over ten years. To get the most recent rates on student loans and detailed instructions on how to obtain these loans, visit the College Board. Setting payment expectations for your college student If you borrow money for your child's college education, communicate the expectations you have regarding paying for college and help your student set reasonable expectations. You may feel very strongly that your child participate in the financial responsibilities involved in obtaining this education. One strategy is to create a collaborative agreement between parent and child: Example of a promissory note for your student's college education. Benefits of the kind of collaborative arrangement include the following: Your child must apply himself and show a good faith effort, or you won't pay anything toward his college education. If your student drops out of school, he's on his own. If your child applies himself and achieves a B average or better, you will repay 80 to 100 percent of the college costs. You don't have to start repaying these loans until six months after your student graduates, which allows you additional time to accumulate funds to repay the debt or to adjust your monthly cash flow in order to be able to more comfortably pay the debts. View Article
Automatic Investment Programs for Retirement Article / Updated 05-03-2023 You may want to consider establishing automatic investment programs to save for your retirement. Several automatic savings programs may be available to you. You need to determine how much you can direct to each of these automatic plans. Here’s how you do it: Make sure that you’re taking full advantage of any employer matching contribution for which you may be eligible with your company’s retirement plan. Contribute the maximum amount that the employer will match. If eligible, make the maximum contributions to your and your spouse’s (if applicable) Roth IRA accounts each year; take your contributions automatically out of your checking account each month. A Roth IRA is the best retirement funding vehicle — from a tax standpoint — ever! Although you don’t get a deduction when you contribute to a Roth IRA, all the earnings and withdrawals on the account are tax-free forever. You can establish a Roth IRA account at most banks, through investment advisors, or directly with a low-cost, no-load mutual fund company like Vanguard or a deep discount broker like Scottrade or ShareBuilder. Making monthly contributions is much easier than coming up with the whole year’s contribution at once. You can set up direct automatic investments from your checking account into your Roth IRA account. Build your personal portfolio with low-cost, tax-advantaged-passive investment vehicles, such as exchange-traded funds (ETFs) and index funds. You need to have investments that you can tap into if needed prior to retirement. Also, when you retire and pull money out of your retirement account, 100 percent of that withdrawal is taxable to you as ordinary income. Capital gains tax rates are much lower. You may be much better off from a tax standpoint to pay minimal capital gains now rather than the tax for ordinary income in the future. Index funds are a way individual investors can own the stock market that you hear about on the news, such as the Standard and Poor 500 Composite Index (S&P 500, for short). Index funds have been available through no-load mutual fund powerhouses like Vanguard for decades. However, the range of options now available has exploded in the last few years. You can now buy an exchange-traded fund (ETF) that invests exclusively in United States Treasury Inflation Protection Securities. Rather than buying one bond for $10,000, you can literally buy one share of an ETF, which trades like stocks, incurring a transaction fee to buy or sell shares. And with the advent of deep-discount online brokerage firms, you now can afford to make monthly purchases of exchange-traded funds. Which automatic savings programs are available to you, and how much can you direct to each of these automatic plans? Use the Making Your Investments Automatic Worksheet to put these steps in action. Click here to download and print the Making Your Investments Automatic worksheet. View Article
Personal Finance Workbook For Dummies Cheat Sheet Cheat Sheet / Updated 03-08-2022 Getting a handle on your personal finances can be tough. We’re constantly being urged to spend, spend, spend, while others encourage us to save, save, save! The good news is that you can create a healthy balance between the two. When you understand your personal financial situation, you can make smart decisions about what to do with your money. View Cheat Sheet
A Family’s Guide to the Military For Dummies Cheat Sheet Cheat Sheet / Updated 03-27-2016 If your family is embarking on a military career, your life could be unpredictable, stressful, and ever-changing. You'll want to keep your military family happy, ease the stress of making frequent moves, and connect with other military families. To further minimize your stress, learn to manage your monthly finances and the time away from your deployed spouse. View Cheat Sheet
How to Wipe Out Credit Card Debt Article / Updated 03-26-2016 When you’re ready to eliminate your credit card debt, you can take one of two approaches: pay off the card with the highest balance first, which allows you to save on interest in the long-run, or pay off the smallest balance first, which makes you feel good about your progress. Choose your preferred method and then follow these steps to wipe out your credit card debt: List all your credit card debtors in order of the highest-interest-rate first or the smallest balance first, whichever you feel may be most effective. List the current balances on each of these accounts. List the minimum required monthly payment for each account. Total the minimum required monthly payments. Apply any surplus funds toward your highest-interest-rate debt or the debts with the smallest balances. View Article
Considering Your Financial Future Article / Updated 03-26-2016 Managing your personal finances requires a balance between what you need and want today and what you’ll need and want in the future. Always going for instant gratification leads to constant dissatisfaction! Instead, plan ahead by using the following tips: Write down your goals. Be specific and revisit them annually. Save at least the first 10 percent of your income. Set up your savings and investing to occur automatically. Don’t miss out on free money from the matching contribution in your employer’s retirement plan or the phenomenal benefits of the Roth IRA. Don’t use credit if you can’t pay cash. Credit cards are convenience tools, not loans. If you can’t afford it today, you can’t afford to pay twice as much over time. Going into debt gives others control of your financial freedom. Before spending money, always ask yourself, “How will this affect my net worth?” Remember: Nobody will watch out for your money better than you, and everybody wants a piece of what you have! View Article
Questions to Ask when Hiring a Financial Advisor Article / Updated 03-26-2016 You, the client, have the right to ask any questions you feel are appropriate to help you select the right advisor. If you’re trying to figure out whether an advisor is worth your hard-earned dollars, be sure to ask the following questions: How and how much are you paid? Advisors are required to tell you how they’re paid but not how much. If an advisor quotes her compensation as a percentage, ask her to convert that compensation into dollars and get it in writing. Don’t settle for the common brush-off response, “I’m paid by the company.” The advisor doesn’t get paid by the company if she doesn’t sell you some sort of an insurance or investment product. And if the advisor can’t or won’t tell you how much she’ll be compensated if you work with her, she’s definitely getting paid commissions and likely doesn’t want to tell you how much. Are you a fiduciary? A fiduciary has a legal responsibility to put her client’s interest above all others. If you’re seeking professional, objective financial advice, don’t settle for anything less than a fiduciary. Starting with these questions saves you a lot of time because asking them eliminates the overwhelming majority of advisors. Now you can concentrate your search for an advisor based on her qualifications, experience, and expertise. View Article
Teaching Children about Money Article / Updated 03-26-2016 As an adult, you need to model good money-management behaviors for children and involve them as much as possible in your decisions about money. Here are some ways you can interact with your children to help instill healthy money-management behavior: Give children specific roles with regard to daily, weekly, and monthly money-management activities. This can include clipping coupons from the Sunday paper, making selections when grocery shopping, and going to the bank and interacting with the teller. Help children discover that compromises are normal. Involve your children in a conversation about compromises regarding money-management decisions. Share the issues and your thoughts with your children and ask for their ideas. Allow your children the opportunity to earn their own money and make their own decisions about what to do with it, with minimal influence on your part. If what they do with their money isn’t dangerous or illegal — regardless of how practical you think it is — allow them to proceed. Having responsibility and autonomy leaves them open to making bad decisions, but they’ll learn invaluable lessons about money management while you’re nearby to provide guidance when necessary. View Article
Determining a Military Family’s Monthly Expenses Article / Updated 03-26-2016 You should review your finances any time your family starts on a new career path, and the military is no exception. Know how much money you really need to purchase essentials for your family — food, clothing, shelter, medical care, and insurance. Most of these required expenses are provided by, or supplemented by, the military. The following is a list of the types of expenses incurred by a typical military family. Shelter: Home mortgage or rent Utilities: electric, gas, water, sewer, trash pickup, and basic telephone service Protection: Life, disability, homeowners, renters, health, and auto insurance Healthcare/medical and dental care Prescription drugs Childcare Savings: minimum of 10 percent of gross income Food: Groceries: basic essentials only Clothing and clothing maintenance Basic hygiene: Personal: toothpaste, deodorant, haircuts Household: laundry detergent, toilet paper Transportation: Automobile loan or lease payment Auto maintenance Gasoline Other: tolls, parking, public transportation Legal requirements: Real estate and property taxes Child support Alimony Other debts: school loans, personal loans, credit cards, and so on You won’t find an expense category for dining-out, entertainment, subscriptions, health club memberships, summer camp, birthdays, charitable contributions, cable television, or mobile phones. These types of expenses, although very common and convenient, are discretionary expenses. View Article
How to Manage Separation Anxiety Article / Updated 03-26-2016 When your spouse is deployed with the military and you can watch the news 24 hours a day, it’s easy to let your imagination run wild. Technology’s a great thing, but sometimes enough is enough and you need to unplug. You’re going to have to find ways to manage your separation anxiety or you’ll find yourself coming apart. Try these tips to unwind. Exercise regularly. Even if it’s just a walk with a friend around the block, build some exercise into your routine to let off some steam. Eat healthfully. It’s going to be tempting to not cook meals for one, but it’s worth making the effort instead of eating out all the time. Find the spouse of another deployed servicemember and share meals. Get your sleep. It’s important to recharge your batteries every night. Stay away from toxic people. You’ll recognize them — they’re the ones that generate drama. They will drain your lifeblood — and you do not have the time or energy for this. Do not empower them to take more of your attention than you’re willing to give. Have fun. It’s okay to have fun while your spouse is deployed or TDY. You don’t have to do everything together. If you have an opportunity to take advantage of excursions or a little trip with another spouse and their kids, do it. It’ll help pass the time and keep your mind occupied. Get involved. Don’t spend days alone in the house by yourself. Before too long, the days will string together and become weeks. Without knowing it, you might have cut yourself off from the outside world. If you’re not working outside the home, find volunteer opportunities that appeal to you or find other reasons to leave the house. Remember that your spouse has the best training possible and that he is good at his job. Have faith that he will be fine. View Article
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