By Jesse B. Brown
"Jesse Brown places cash on your pocket, solutions all of your questions, and offers you the knowledge to create the longer term you will have for your self and your family."-- From the Foreword by way of Tavis Smiley"If you don't have any cash within the financial institution, you think that your paycheck is just too small, and you are decided to alter your lifestyles, learn THIS BOOK!"-- Melvin B. Miller, Director of the Boston financial institution of trade writer, how one can Get wealthy should you Ain't bought Nothing"Mr. Brown does a great activity of guiding readers during the monetary pitfalls to possible wealth and monetary protection. THIS e-book WILL switch YOUR LIFE."-- Will Horton, writer and CEO, NASABA Magazine"Need support atmosphere monetary ambitions, investment a faculty schooling, making plans a retirement? Then flip to monetary professional Jesse Brown."-- Library JournalLet Jesse Brown positioned you and your loved ones at the street to good fortune. This easy-to-follow own finance e-book supplies the solutions to your whole questions about the way to get out of debt and remain out of debt-and the best way to earn a living give you the results you want rather than opposed to you. As Jesse Brown and Tavis Smiley say, "Things simply do not occur. you have to declare your future. teach your self. Get a plan. And take cost of your monetary life." From tales of alternative people's errors, you could learn:* easy methods to cease spending cash you do not have* the right way to cease paying greater than every person else* the right way to cease being an afternoon overdue and a greenback brief* how one can cease counting on get-rich-quick schemes and the lottery and begin believing in your self, your spirituality, and your selection to alter your lifeLet Jesse Brown, funds Makeover columnist for ABC News.com and nationally syndicated own finance columnist, enable you to get the money you would like. Make your stream now from monetary destitution to monetary wisdom and empowerment.
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Extra info for 101 Real Money Questions: The African American Financial Question and Answer Book
Once you have answered these questions, the next step is to evaluate the different types of life insurance to determine which is best for your situation. The two main types of life insurance are term and cash-value. Your beneficiary receives the policy proceeds if you die during the policy’s term, but you get nothing if the policy is canceled. Some term policies are convertible, allowing you to transfer to a cash-value policy at a later date. Any term life insurance policies you are considering should be renewable regardless of changes in your health.
A cash reserve for short-term emergencies, such as a temporary job loss, major home repair, or large medical bill. A common rule of thumb states that your cash reserve should equal two to six months’ living expenses. You may need a larger reserve if you expect to be laid off or lose your job, you are the sole wage earner in the family, or your income fluctuates. A smaller reserve may be needed if you have more than one source of family income or you can borrow quickly, such as through a home-equity line of credit.
Learning to invest over a long period of time takes patience, discipline, and dedication. In many cases, progress may not be seen in a month or two, or even in a year or two. Changing Financial Concerns Q Hurray! Our youngest daughter just got married and moved out. My husband and I are now happy empty-nesters who are anticipating his retirement from work soon. qxd 11/6/02 10:41 AM Page 23 Starting Out—or Starting Over / 23 dren along with their children have moved back home, so we have decided to avoid this by selling our home and traveling.