Something of The Book

PDF EPUB Library of e-Books

Essential Personal Finance

Essential Personal Finance

Author: Jonquil Lowe

Publisher: Routledge

ISBN: 9781351041645

Category: Business & Economics

Page: 248

View: 627

Download BOOK »
There is increasing pressure for all of us to take responsibility for our own financial security and wellbeing, but we often overlook how the benefits that come with a job can help us do that. Essential Personal Finance: A Practical Guide for Employees focuses on these valuable work benefits and shows how you can build on this important foundation to achieve financial security and your life goals. This unique book explores how making effective and practical use of these work benefits (such as pension scheme, life cover, sick pay, cheap loans, savings schemes and even financial coaching), means facing up to the behavioural biases we are all plagued with. Given that these can get in the way of even the best intentions, Essential Personal Finance tackles these biases head-on with practical ideas and tips for overcoming or harnessing them for good, and will help you to develop a positive and fruitful relationship with your money. With financial stress being a major cause of absenteeism and sick leave, low morale and lost productivity, the advice in this book also offers employers enormous benefits. By empowering employees through financial education and financial awareness, progressive employers will help them feel more in control of their lives, and experience less stress, resulting in higher morale and productivity. Offering a distinctive approach which combines academic insight with practical financial wisdom and tools, this is a must-have book for all employees. It will help you make the most of everything your job has to offer so you can worry less about money and live life to the full.

Buying Your Home

Buying Your Home

Author: Lien Bich Luu

Publisher: Routledge

ISBN: 9781000441758

Category: Business & Economics

Page: 204

View: 464

Download BOOK »
Many young people aspire to own their own home but face a myriad of challenges such as high property prices, the need to raise a large deposit, and difficulties of getting a mortgage. The process of buying a property is also stressful, fraught with complexity and uncertainty, and a mistake can prove very costly. This book therefore provides a much-needed step-by-step guide to help those seeking to buy a property for the first time. Packed with helpful and practical tips, this book gives a complete overview of the house-buying process, including finance, legal and property aspects. The authors discuss a wide range of topics, including: creating the right mindset the pros and cons of home ownership how to choose a suitable property how to save for a deposit how to negotiate for a better price how to get a mortgage the steps in the house-buying process how to ensure that mortgage payments can always be met The book is written by experienced property buyers who have bought multiple properties, who have worked as a mortgage adviser and financial planner and who understand personal finance. It will be essential reading for undergraduate students in the field of accounting and finance and will also appeal to the general public, particularly those seeking to buy a property for the first time. After reading the book, readers will be able to map out a plan to buy their first property with greater confidence and make a better and more informed decision that will bring financial rewards.

Buying the Best Home

Buying the Best Home

Author: Joe Breckner

Publisher: Dk Pub

ISBN: 0789463202

Category: Business & Economics

Page: 72

View: 713

Download BOOK »
A step-by-step guide to finding the right home and the right financing for your budget Clear writing and illustrations cover all of the important elements of the home-buying process Practical explanations help prepare you to act quickly and with confidence Accessible charts and flow diagrams offer quick insights

Personal Finance: An Encyclopedia of Modern Money Management

Personal Finance: An Encyclopedia of Modern Money Management

Author: Barbara Friedberg

Publisher: ABC-CLIO

ISBN: 9781440830327

Category: Business & Economics

Page: 403

View: 584

Download BOOK »
This jargon-free resource explains the who, what, why, and where of contemporary personal finance in simple, easy-to-grasp language, covering the key people, events, terms, tools, policies, and products that make up modern money management. • Supplies accessible, comprehensive financial information that explains complex topics in simple language • Shows the relationship between personal finance and everyday life, from renting an apartment to saving for retirement • Answers a wide variety of personal finance questions • Provides a resource suitable for both personal and scholarly use

Essential Financial Mathematics

Essential Financial Mathematics

Author: Joseph Previte

Publisher: Lulu.com

ISBN: 9781304874405

Category: Business & Economics

Page: 146

View: 274

Download BOOK »
This text is designed for a one-semester non-technical introduction to the mathematics of finance. Topics include: interest, inflation, retirements, annuities, mortgages, taxes, credit cards, leases, stocks and bonds, and other investments.

The Everything Guide to Mortgages Book

The Everything Guide to Mortgages Book

Author: Lisa Holton

Publisher: Simon and Schuster

ISBN: 9781440524509

Category: Business & Economics

Page: 304

View: 103

Download BOOK »
Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you're buying your first home, trading up to a larger one, or buying a rental property, you'll find all you need inside. Learn how to: Save for a down payment and prepare to borrow Understand credit reports and credit scores Deal with banks, mortgage brokers, and online lenders Refinance a mortgage The Everything Mortgage Book teaches you how lenders work, how different kinds of loans are structured, and what they're best for. You'll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you'll be able to get the best loan for your most important purchase-your home. Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.

Personal Finance for Everyday Challenges

Personal Finance for Everyday Challenges

Author: H. Nejat Seyhun

Publisher: Cambridge Scholars Publishing

ISBN: 9781527579613

Category: Business & Economics

Page: 475

View: 367

Download BOOK »
This book is essential reading for college students, faculty, parents of college students, and mid-career professionals. We are all faced with important career decisions throughout our lives, such as where to go to college or graduate school, what field to study, or what career to pursue. We also face important personal decisions, such how to save and spend, how to prepare for retirement, and whose advice to take or reject. This book provides a powerful set of personal finance concepts that will help the reader analyze their choices before the fact and help them make the best decisions possible. They are based on the principles of finance—that is, how we make decisions to achieve the best possible outcomes in the face of uncertainty.

Home Buying 101

Home Buying 101

Author: Jon Gorey

Publisher: Simon and Schuster

ISBN: 9781507217412

Category: Business & Economics

Page: 256

View: 811

Download BOOK »
Learn all the ins and outs of buying a home and give yourself an advantage in the real estate game with this essential house-buying guidebook. Buying a first home can be both exciting and nerve-wracking. Will you qualify for a mortgage? Is your dream home achievable? How do you make sure your offer will beat others? Don’t worry—now you can arm yourself with the information you need to know before you begin the hunt! In Home Buying 101, you will learn all the skills you need to find the right house at the right price, with financing that fits your budget. Full of nuts-and-bolts advice and organized in an easy-to-read format, this book will teach you all the basics of: -Deciding the right time to buy -Getting your finances in order -Choosing a realtor—or going solo -Assessing neighborhood/comps -Deciphering the MLS/reading the listings for clues -Buyers’ vs. sellers’ markets -Types of mortgage loans -Property insurance -Making a smart offer With the help of this guide, you’ll learn how to find the house of your dreams at a price you can afford!

Nolo's Essential Guide to Buying Your First Home

Nolo's Essential Guide to Buying Your First Home

Author: Ilona Bray

Publisher: Nolo

ISBN: 9781413327014

Category: Business & Economics

Page: 448

View: 954

Download BOOK »
There’s no place like home! Ready to say goodbye to your landlord? With help from Nolo’s Essential Guide to Buying Your First Home, you’ll not only find the right house for you, you’ll have fun doing it. Learn how to: research the local market and listings choose a house, condo, co-op, or townhouse create a realistic budget qualify for a loan you can truly afford borrow a down payment from friends or family protect yourself with inspections and insurance, and negotiate and close the deal successfully. You’ll find insights from 15 real estate professionals—agents, attorneys, mortgage specialists, a home inspector, and more. It’s like having a team of experts by your side! Plus, read real-life stories of over 20 first-time homebuyers. Download the Homebuyer’s Toolkit Dozens of customizable forms that will help you find your dream home, crunch the numbers, interview real estate professionals, inspect the house thoroughly, and more— more details inside.

Basic Finance: An Introduction to Financial Institutions, Investments, and Management

Basic Finance: An Introduction to Financial Institutions, Investments, and Management

Author: Herbert B. Mayo

Publisher: Cengage Learning

ISBN: 9781305464988

Category: Business & Economics

Page: 736

View: 312

Download BOOK »
Combining current coverage with a student-friendly modular format, BASIC FINANCE: AN INTRODUCTION TO FINANCIAL INSTITUTIONS, INVESTMENTS & MANAGEMENT, 11E introduces the three primary aspects of finance and examines how they are interrelated to give students a firm foundation in all of finance--not just corporate finance. Each chapter offers a concise, self-contained treatment of one or two finance concepts, or institutions easily covered in a single class period. Students can build on what they learn through the text's Internet resources, number problems, illustrations using financial calculators, and a Microsoft Excel appendix. The time value of money is emphasized throughout. The 11th Edition includes numerous self-help problems with answers and relationships with answers, new coverage of classes of stock/preferred stock, new sections on Internet sources of information, and updated tax laws. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

Finance Tips and Tricks for First Home Buyers

Finance Tips and Tricks for First Home Buyers

Author: Daniel J Donnelly

Publisher: Sherwood Finance Limited

ISBN: 0645403539

Category:

Page: 90

View: 211

Download BOOK »
You may remember how you could borrow money from the Bank by taking out a mortgage against one of your properties in the board game Monopoly. If you do not pay the money, you owe the Bank, you can turn over the card and charge the other players rent. You would take out a mortgage against your property as a settlement and get keys from the real estate agent in real life. The scenario from the game is an accurate portrayal of how a mortgage works, but different. Pre-approval from your chosen lender is essential before you look for the perfect home. Besides knowing whether you qualify for a loan, you will have a clearer picture of how much you can borrow and spend to buy a new home. Do not sign a contract until you are aware of costs associated with buying a home, such as a stamp duty and legal fees. Pre-approval does not guarantee you will be able to get a mortgage on a particular. To get the ideal plan of action for your property financing needs, our specialists can help you. If you are looking to hire a team of experienced advisers, we are confident that you will want to consider our qualified experts. If you need information on a wide range of financial products and opportunities, it might be worth contacting a finance broker. A good brokerage has years of experience and will crunch numbers by comparing different loans and recommending a suitable deal for your needs. They interact with lenders on your behalf, and they often attempt to assist after work hours. Over time, the complexity and requirements of the industry have increased, leading to most charging upfront fees. Many lenders have their criteria for assessing applications, and these are not public knowledge - which can cause some concerns for you when trying to find the right deal. This is where a good finance broker comes in, as they can save you a great deal of time by advising you when to and when not to apply for a loan.