Armed Forces Guide to Personal Financial Planning: Strategies for Managing Your Budget, Savings, Insurance, Taxes, and Investments

Overview

Complete information and advice on personal finances

*How to prosper on a military salary

*Ideal for service financial management assistance offices
Newly revised and updated, this comprehensive guide covers all key financial decisions from choosing checking accounts and using credit cards to buying a ...
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Overview

Complete information and advice on personal finances

*How to prosper on a military salary

*Ideal for service financial management assistance offices
Newly revised and updated, this comprehensive guide covers all key financial decisions from choosing checking accounts and using credit cards to buying a home and choosing an insurance policy. Military personnel of all services and ranks will benefit from the advice given in this crisply written book. Each topic is covered in a thorough, logical, and easy-to-read manner.
Maj. David Trybula and Lt. Col. Richard Hewitt are professors at the United States Military Academy, where they teach economics and finance. Trybula holds a Ph.D. in economics and Hewitt is a certified financial planner.
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Product Details

  • ISBN-13: 9780811730143
  • Publisher: Stackpole Books
  • Publication date: 7/28/2002
  • Edition description: Older Edition
  • Edition number: 5
  • Pages: 432
  • Product dimensions: 6.00 (w) x 8.90 (h) x 1.20 (d)

Table of Contents

Tables ix
Figures xi
Introduction xii
Part I Personal Financial Planning
1 Assessing the Situation 3
The Balance Sheet
2 Financial Basic Training 7
What Determines Before-Tax and After-Tax Income?
How Does Inflation Affect Financial Planning?
What Is Opportunity Cost?
How Does the Time Value of Money Affect Your Finances?
How Risk and Reward Affect Your Financial Decisions
Summary
3 Military Pay, Allowances, and Benefits 17
What Are the Components of Your Monthly Pay?
Travel Pay and Allowances
What Other Important Financial Benefits Do You Have?
What Military Benefits Are Paid at Death?
Suggested References
4 Financial Planning and Budgeting 30
How Do You Set Financial Goals?
How Do You Develop a Family Budget?
Part II Financial Basics
5 Banking Smart 49
What Banking Services Do You Need?
How Should You Select a Bank?
Types of Bank Accounts
6 Using Credit Wisely 60
How Does Consumer Credit Fit in a Personal Budget?
What Is Involved in a consumer Loan?
How Should You Use Credit and Debit Cards?
What Should You Do if You Have Credit Problems?
What Are Borrowers' Rights?
Suggested References
7 Paying Your Taxes 75
Federal Income Tax
State Taxes
Local Taxes
Suggested References
Part III Big-Ticket Items
8 Buying a Car 95
How Much Can You Afford?
How Should You Finance the Car?
What Car Should You Buy?
How Can You Get the Best Deal?
How Long Should You Keep the Car?
How Can You Get the Most for Your Old Car?
Suggested References
9 Automobile Insurance 119
What is Automobile Insurance?
Automobile Insurance as a Major Budget Category
Selecting an Insurance Company
How Insurance Companies Evaluate Your Potential Risk
The Insurance Policy: Explanations and Recommendations
Special Insurance Situations
Automobile Insurance Checklist
Automobile Insurance Websites
10 Meeting Medical Expenses 130
Military Health Benefits--TRICARE
What Is TRICARE?
Dental Care
Supplemental Health Insurance
Long-Term Care
Suggested References
11 Housing 155
How Should You Decide Where to Live?
Should You Rent?
Should You Buy?
How Should You Finance Your Purchase?
Tax Considerations for Homeowners
When and How Should You Sell Your House?
Rent versus Buy: A Quantitative Analysis
A Checklist for Home Buyers
12 Protecting Your Wealth with Insurance 191
What Insurance Do Homeowners Need?
What Other Homeowners' Insurance Do I Need?
What about Insuring Other Types of Property?
What about Liability Protection and Umbrella Policies?
How Do I Choose a Company?
Homeowners' Checklist
13 Providing for College Expenses 203
How Much Do I Need to Save for My Children's College?
How Do I Build a College Savings Plan?
What If I Can't Save Enough to Pay for College?
Internet Resources
Part IV Building Your Nest Egg
14 Developing an Investment Strategy 221
What Is Wealth?
What Is the "Secret" to Increasing Your Wealth?
How Do You Create an Investment Strategy?
Working through the Process
15 Investing in Financial Assets 239
What Are the Various Debt Instruments?
What Are Equity Assets, Such as Stocks?
Do Some Assets Combine Debt and Equity Instruments?
How about Pork Bellies and Other Commodity Speculation?
What Final Lessons Should You Know?
16 Mutual Funds 258
What Is a Mutual Fund?
What Are the Advantages of Mutual Funds?
What Is a Mutual Fund Family of Funds?
What Are the Different Types of Mutual Funds?
What Fees Do Mutual Fund Companies Charge?
How Do You Read Mutual Fund Prices?
How Do You Select a Mutual Fund?
When and How Should You Invest?
When Should You Sell Your Mutual Fund Shares?
How Do You Calculate Your Mutual Fund Returns?
Suggested Reference
17 Retirement Savings Options 276
Retirement, Taxes, and Your Financial Plan
What Is an Individual Retirement Account?
Thrift Savings Plan
18 Investing in Real Assets 281
What Are Real Assets?
Should You Invest in Real Assets?
What Role Should Real Estate Play in Your Portfolio?
What Are REITs?
What about Direct Real Estate Ownership?
Part V Planning for Retirement and Later
19 Life Insurance 293
What Is the Principle Behind Insurance?
What Do All Those Life Insurance Terms Mean?
What Types of Life Insurance Policies Are There?
Answers to Three Key Questions
20 Military Retirement Benefits 315
How Much Is "Standard" Retirement Pay?
What about Retirement Pay if You Are Disabled?
What Are the Dual Compensations Laws, and Do They Apply to Me?
What Other Retirement Benefits Are There?
Former Spouses
21 Estate Planning 324
What Exactly Is My Estate?
How Is Your Property Controlled?
What Estate Planning Documents Do You Need?
What Is the Probate Process?
Will My Estate Be Subject to the Estate Tax if I Die?
What Is a Trust and How Might You Use It to Avoid Estate Taxes?
How Can You Shift Income to Others?
Do You Need Professional Assistance?
22 Social Security and Veterans Benefits 344
What Is Social Security?
What Are Your Department of Veterans Affairs Benefits?
Suggested References
23 Retirement Survivor Benefits 355
What Is the Survivor Benefit Plan?
How Much Does SBP Cost and What Does It Provide?
Should You Take SBP?
The Bottom Line
Appendixes
A Sources of Assistance 367
B Glossary of Financial Terms 379
C Military Pay Tables 397
D Time Value of Money and Present Value Tables 406
Application to Loans
Valuation of Assets
Application to Assets in General
Using the Financial Tables
E Sample Personal Affairs Record 414
About the Authors 421
Index 424
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