Personal Finance 101: From Saving and Investing to Taxes and Loans, an Essential Primer on Personal Finance Audible Audiobook – Unabridged
Get your financial life in order - from saving and investing to taxes and loans - with this comprehensive, accessible guide to everything you need to know about finance.
Managing your finances can be overwhelming at times. But it doesn’t have to be! Personal Finance 101 will provide you with all the skills you need to make good financial decisions and grow your personal wealth. Full of must-have advice and organized in an easy-to-understand format, this book provides a wealth of knowledge on personal finance basics including:
- Choosing your bank (and why it matters)
- Building an emergency fund
- Salary and benefit packages
- Where your money is going (and how to keep more of it)
- Refinancing or consolidating student loans
- Health and property insurance
- Building credit responsibly
- How to get a mortgage
Use this guide and make the most of the money you have, plan for future purchases like a house or a vacation, save for retirement, or simply become more financially responsible. Perfect for finance beginners or those looking to refresh their knowledge, Personal Finance 101 is the one-stop shop for all of your personal finance questions!
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|Listening Length||6 hours and 43 minutes|
|Author||Alfred Mill, Michele Cagan CPA|
|Narrator||Jake Austin Robertson|
|Whispersync for Voice||Ready|
|Audible.com Release Date||October 13, 2020|
|Publisher||Simon & Schuster Audio|
|Best Sellers Rank|| #113,254 in Audible Books & Originals (See Top 100 in Audible Books & Originals) |
#314 in Money Management & Budgeting
#867 in Investing & Trading
#1,605 in Budgeting & Money Management (Books)
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- When discussing treasury products, the author fails to mention I-bonds. I-bonds are bi-annually adjusted for inflation and may even return interest in addition to inflation adjustments. After 1 year, they can be redeemed for a marginal fee, no fee after 5 years. They are an excellent for building emergency funds despite the 10-15k limits.
- The author says mutual funds are the best investments, but the majority of mutual funds underperform the market. History shows passive market index funds like VTI (US), VXUS (international) are the best ways to invest in the stock market unless you're Warren Buffett. By the way, Warren Buffett suggests you invest in low fee index funds.
- Does not address taxation enough! Author makes a passing mention to short-term capital gains vs long-term but does not elaborate. If you're going to recommend people open a taxable brokerage account, you should at least inform them that gains under 1 year will be taxed at ordinary income brackets while long term gains (greater than 1 year) will generally be taxed at 15% - 0% if you don't make much money. FICA (social security or medicare) taxes do not apply to capital gains either. Also, foreign stock investments are taxed by their relevant countries, so try to hold those in taxable accounts where you'll receive a tax credit to stop you from being taxed twice.
By Heather N. on December 4, 2021