Table of Contents

	Foreword	p. xi
	Preface	p. xv
	Acknowledgments	p. xix
	Introduction	p. xxi
	The Gift of Money: Money 101	p. 1
	The Value of Money	p. 3
	Money Beliefs	p. 4
	The Gift of Purpose: Personal Principles and Goals	p. 7
	Personal Principles	p. 7
	Goals	p. 10
	The Gift of Discipline: Household Cash Flow	p. 17
	Personal Financial Statements	p. 17
	Financial Crises	p. 25
	The Gift of Enough: Debt and Financial Freedom	p. 27
	Financial Freedom	p. 28
	The Danger of Discontent	p. 29
	Emergency Reserves	p. 32
	Bad Debt	p. 35
	Better Debt	p. 39
	Economics and Emotions	p. 41
	The Cure for More	p. 43
	The Gift of Discernment: Risk Management Decisions	p. 45
	The Accident	p. 47
	Risk Management Techniques	p. 48
	How Insurance Works	p. 50
	The Gift of Security: Life Insurance	p. 55
	Life Insurance: Why?	p. 55
	Life Insurance Needs	p. 59
	Life Insurance: How?	p. 62
	Life Insurance Wants	p. 67
	Different Types of Life Insurance	p. 70
	Purchasing Life Insurance	p. 73
	The Gift of Certainty: Auto, Home, and Liability Insurance	p. 77
	Auto Insurance	p. 79
	HomeownerÆs Insurance	p. 82
	Excess Liability (Umbrella) Insurance	p. 84
	The Gift of Health: Health, Disability Income, and Long-Term Care Insurance	p. 87
	Health Insurance	p. 89
	Types of Plans	p. 89
	HSAs and FSAs	p. 90
	Recent Health Insurance Changes	p. 93
	Disability Income Insurance	p. 95
	DI Moving Pieces	p. 96
	Social Security, Medicaid, and Medicare	p. 99
	Long-Term Care Insurance	p. 100
	LTC Moving Pieces	p. 101
	The Gift of Clarity: Investing and Portfolio Management	p. 107
	Stocks and Bonds	p. 109
	All Things Considered Equal?	p. 111
	Mutual Funds	p. 112
	Economic Analysis	p. 115
	Market Valuation Analysis	p. 117
	Technical Market Analysis	p. 118
	Efficient or Not?	p. 119
	Passive versus Active	p. 119
	Investing with ôStyleö	p. 121
	The Gift of Transparency: Annuities	p. 131
	The Gift of Preparation: Tax Planning	p. 147
	The Gift of Learning: Education Planning	p. 159
	The Gift of Fulfillment: Retirement Planning	p. 175
	The Ultimate Gift: Estate Planning	p. 197
	The Gift of Discretion: Choosing a Financial Advisor	p. 217
	The Gift of Action: Your Plan for Money and Life	p. 233

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