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Financial Tips for Teachers

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You can buy a house, send your kids to college, and retire at fifty-five with a half-million in savings—all on a teacher's salary. All it takes is some guidance and a little discipline, and any educator can create an impressive financial portfolio. Financial Tips for Teachers, now in a fully updated seventh edition, shows you how to buy for less, maximize the spending power of your present income, and earn even more money. Discover new insights...
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Overview

You can buy a house, send your kids to college, and retire at fifty-five with a half-million in savings—all on a teacher's salary. All it takes is some guidance and a little discipline, and any educator can create an impressive financial portfolio. Financial Tips for Teachers, now in a fully updated seventh edition, shows you how to buy for less, maximize the spending power of your present income, and earn even more money. Discover new insights into financial planning, including how to:
  • Budget and stretch income dollars
  • Research and capitalize on investment opportunities
  • Establish your own tax-sheltered annuity
  • Maximize your greatest investment, the family home
  • Create profitable extra-income opportunities
  • Navigate the income-tax rate
Alan Jay Weiss, MA, has more than twenty-five years' experience in the financial services industry, including corporate consulting; insurance-company management; and offering annuities, insurance, and investments to public-school employees. He has contributed financial columns to United Teacher (the newspaper of UTLA) and is a frequent presenter at seminars for both teachers' unions and the University of Southern California. Larry Strauss is a freelance writer whose published works include: Diets That Work, Growing Younger, When You Have Chest Pains, and What Do You Mean You Don't Want to Go to College?
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Product Details

  • ISBN-13: 9781565659414
  • Publisher: McGraw-Hill Companies, The
  • Publication date: 9/1/1998
  • Series: Teacher Lifestyle Book Series
  • Edition description: REVISED
  • Edition number: 6
  • Pages: 144
  • Product dimensions: 5.93 (w) x 8.93 (h) x 0.40 (d)

Table of Contents

Introduction: Where Are You Now, and Where Do You Want to Be? xi
Where Are You Now? xi
Where Do You Want to Be? xii
This Book in a Nutshell xiii
Part 1 Planning for the Future 1
Chapter 1 Budgeting a Ten-Month Check for the Full Twelve 3
The Teacher-Paycheck Savings Formula 4
The Adverbs of the Savings Game: Where Is Easy, How Is Not 5
Does Membership Really Have Its Privileges? 6
Comparison Shopping on Larger Items Can Make a Difference 7
Hope for the Best, but Prepare for the Worst--Find Out About Service and Warranties 8
Automobiles: To Lease or Not to Lease? 10
Never Lose Sight of Your Objective 13
Chapter 2 Savings--Your Greatest Investment 15
Retirement Plans: The Early Bird Gets the Best Return 15
Realizing a Comfortable--and Maybe an Early--Retirement Through a Tax-Sheltered Annuity (TSA) 16
The Fixed Annuity 21
The Variable Annuity 21
Which TSA Is for You? 23
The TSA Loan Provision 24
Tips for TSA Shopping 25
Additional Retirement Plans 26
Don't Make Your Choice Alone 30
Chapter 3 The Second-Biggest Investment--a House 33
The First-Home Blues 33
The Condo/Co-op Alternative 34
Are You Cut Out for a Fixer-Upper? 34
Are You Cut Out to Be a Landlord? 35
Creative Funding 36
Nobody Ever Said It Was Easy to Be a First-Time Buyer--or a Second-Time Buyer, or a Third-Time Buyer 36
TSA Can Stand for "Temporary Stretching Apparatus" 38
All Home Mortgages Were Not Created Equal 38
Don't Shop for a Home Unarmed--Make Sure You're Preapproved 40
Don't Shop for a Home Unaccompanied--Use a Real-Estate Broker 41
Beware of the Interest-Rate Crystal Ball 41
If You Can Pay Cash, Should You? 42
Chapter 4 Your Total Financial Picture 45
If Growth Is Your Priority 46
Saving Toward Your Children's Education 48
If Investment Income Is Your Priority 49
Your Money Is Worth Only What It Will Buy 50
If It Sounds Too Good to Be True, It Almost Always Is 51
Investing In Yourself 51
Chapter 5 A Smart Investment--Paying Off Those Credit Cards 53
An Equity Line of Credit May Be Your Answer 54
If You Don't Own Property 54
Bankruptcy Is Not the Free Ride It's Cracked Up to Be 55
Alternatives to Credit Cards 55
Chapter 6 Protecting What You've Worked So Hard to Accumulate 57
The Cafeteria of Health-Care Benefit Plans 58
You're Worth a Million 59
You're Also Worth Thirty or Forty Thousand Per Year 60
Insure Your Retirement in Case of Illness 60
A Trio of Life Insurance Options 62
Insuring Your Assets Without Hocking Them 64
Do You Need an Umbrella? 65
Jumping Ship Can Be Costly in the Long Run 66
Part 2 Increasing the Pie: Tips for Supplementing Your Income 69
Chapter 7 Moonlighting--Making Extra Money During the School Year 71
One Skill All Teachers Have: Teaching 71
Teachers Have a Way with Kids 73
Teachers Work Well with People 74
Virtually Anything Requiring a License or Certification Is a Potential Opportunity for a Teacher 75
A Teacher's Specific Skills Can Translate into Extra Money 76
Teachers Can Make Hobbies Pay for Themselves--and for a Lot of Other Things 78
Chapter 8 Teachers with Summer Jobs 81
If You Already Moonlight During the School Year 81
Teachers Can Make Summer Money Out in the Sun 82
Working Abroad 82
Teachers Can Also Make Summer Bucks Without the Adventure 83
Part 3 Taxes and Legal Concerns 85
A Little Knowledge Can Save a Lot of Money 87
Chapter 9 Do You Need an Accountant or an Attorney? 89
The Three Basic Varieties of Tax Assistance 90
What About Legal Advice? 92
Chapter 10 Tax Tips Every Teacher Should Know 93
The Nuts and Bolts of Income Tax 94
The Many Faces of Income 94
The Untouchables: Income That Is Nontaxable 95
Trimming the Pie 97
Itemization Does Not Always Add Up 102
Trimming the Self-Employment Pie 103
Don't Leave Withholding to the Whims of Your Payroll Department 108
Projecting Your Tax Liability for the Coming Year 109
Project Your Self-Employment Income 110
IRA and TSA Withdrawals: Know Your Options 110
Another Reason to Estimate the Coming Year's Income: Planning Deductions 111
Tips to Help You Avoid an Audit 112
Epilogue: Financial Planning Is Not Deprivation 115
The Future Looks Bright-- Save and Spend with Confidence 115
Spend to Enjoy--You Deserve It 116
Appendix How to Shop for a TSA 117
Let's Go Shopping 118
How Much Should I Be Contributing to My TSA? 119
What Kind of TSA Should I Buy? 120
The TSA Honor Roll 123
Other Products' Honor Roll 125
In Conclusion 126
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