Your Money: The Missing Manual - Sampler

8/9/2019 Your Money: The Missing Manual - Sampler

1/22

Brgg\nmpe

gr


2/22

Pcgo yku iuy no gikkj tcrku`c krgdeey.lkm,yku `gt edbgtdmg nllgss tk tcg ikkj, noa

wcgogvgr pkssdieg wg prkvdag dt tk yku do bkur, AYM-brgg eg bkrmntsVAB, .gpui,

Jdoaeg-lkmpntdieg .mkid, noa Noarkda .npj gikkjtcnt yku lno usg ko tcg agvdlgs kb

ykur lckdlg. Kur gikkj egs nrg bueey sgnrlcnieg noa yku lno lut-noa-pnstg noa prdot

tcgm. Pg nesk negrt yku wcgo wgvg upantga tcg egs wdtc lkrrgltdkos noa naadtdkos.

Egnro mkrg nt cttp8//krgdeey.lkm/gikkjs/

Tku lno nesk purlcnsg KYgdeey gikkjs tcrku`c dQuogs,

tcgNoarkda Mnrjgtpenlg, noaNmnzko.lkm.

KYgdeey GikkjsTkur ikkjscgeb ko ykur agvdlgs!
http://oreilly.com/http://oreilly.com/http://oreilly.com/http://amazon.com/http://www.android.com/market/http://bit.ly/oreillyapps


3/22

Lkotgots

Lkotgots

Lcnptgr >Dts Mkrg Dmpkrtnot tk Ig Cnppy Qcno tk Ig Ydlc . . . . . . . . . . . . . . 0

Ckw Mkogy Nbbglts Cnppdogss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Dts Okt Nikut tcg Mkogy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >2

Lcnptgr 9

Qcg Ykna tk Pgnetc Ds Vnvga wdtc @knes . . . . . . . . . . . . . . . . . . . 9Pkrjdo` bkr Ktcgrs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >69

Pkrjdo` bkr Tkursgeb . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >>>

Ktcgr Pnys tk Mnjg Mkogy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >>3

N Vgp Qnej . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >90

Lcnptgr 0

Inojdo` bkr Buo noa Vrkt . . . . . . . . . . . . . . . . . . . . . . . . . . . >94

Lckksdo` n Inoj . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >10Lrgadt Lnras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >13

Tkur Lrgadt Ygpkrt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >73

Tkur Lrgadt \lkrg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >2>

Bdone Qcku`cts ko Lrgadt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >27

Lcnptgr 4

\wgntdo` tcg Id` \tust. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >20Lkuotdo` tcg Akeenrs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >20

Iuydo` n Lnr . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >23

Bdoado` Agnes ko Rnlntdko noa Qrnvge . . . . . . . . . . . . . . . . . . . . . . . . . >37

Lnsc Ds Jdo` . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >46

Ckusg noa Ckmg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . >47

Qcg Gtgrone ^ugstdko8 Ygot kr Iuy;. . . . . . . . . . . . . . . . . . . . . . . . . . . >42

Iuydo` n Ckmg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 966

Kwodo` n Ckmg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9>6

Lcnptgr >>

Agntc noa Qnxgs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9>4No Dotrkaultdko tk Dosurnolg . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9>4

Pcnt Tku Ogga tk Jokw Nikut Qnxgs . . . . . . . . . . . . . . . . . . . . . . . . . 9

Lcnptgr >Pcnt Pdee Ygtdrgmgot Ekkj Edjg; . . . . . . . . . . . . . . . . . . . . . . . . . . . . 909

Bd`urdo` Kut Ckw Mulc tk \nvg . . . . . . . . . . . . . . . . . . . . . . . . . . . . 901

Brdgoas noa Bnmdey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94>

Bdonoldne Ieugprdots . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 949

Brdgoas wdtc Mkogy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 949

Ekvg noa Mkogy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 942

Lcurlc, Lcnrdty, noa Lkmmuodty . . . . . . . . . . . . . . . . . . . . . . . . . . . .


6/22


7/22

Dts Mkrg Dmpkrtnot tk Ig Cnppy Qcno tk Ig Ydlc

> Dts Mkrg Dmpkrtnot tkIg Cnppy Qcno tk Ig

Ydlc

Cnppdogss, okt `kea kr prgstd`g, ds tcg uetdmntg lurrgoly. Qne Igo-\cncnr

Tku akot wnot tk ig rdlcyku wnot tk ig cnppy. Netcku`c tcgmnss mgadn cns lkovdolga mnoy Nmgrdlnos tcnt wgnetc egnas tkcnppdogss, tcnts okt newnys tcg lnsg. Mkogy lno lgrtndoey cgepyku nlcdgvg ykur `knes, prkvdag bkr ykur buturg, noa mnjg edbg mkrg gohky-nieg, iut mgrgey cnvdo` tcg stubb akgsot `unrnotgg buebdeemgot.

Qcds ikkj wdee sckw yku ckw tk mnjg tcg mkst kb ykur mkogy, iut ig-bkrg wg advg dotk tcg agtndes, dts dmpkrtnot tk gxpekrg wcy yku sckuea lnrg.Dt akgsot ak mulc `kka tk egnro nikut lkmpkuoa dotgrgst kr cd`c-ydgeasnvdo`s nllkuots db yku akot jokw ckw mkogy nbbglts ykur wgee-igdo`.

Db pgrskone bdonolg wgrg ns sdmpeg ns uoagrstnoado` mntc, tcds ikkjwkueaot ig oglgssnry: pgkpeg wkuea ogvgr kvgrspgoa, `gt dotk agit, krmnjg bkkedsc bdonoldne agldsdkos. Iut rgsgnrlc sckws tcnt kur lckdlgs nrginsga ko mkrg tcno hust nrdtcmgtdltcgyrg nesk dobeugolga iy n lkmpegx

wgi kb psylckek`dlne noa gmktdkone bnltkrs.Qcds lcnptgr dvgs yku n qudlj kvgrvdgw kb tcg rgentdkoscdp igtwggo mkogynoa cnppdogss. Tkuee nesk egnro tglcodqugs bkr gslnpdo` tcg mgotne trnpstcnt mnjg dt cnra tk ig lkotgot wdtc wcnt yku cnvg. Ns ykuee sgg, yku akotogga n mdeedko iuljs tk ig cnppy.


8/22

Lcnptgr >

Ckw Mkogy Nbbglts CnppdogssQcg id` qugstdko ds, Lno mkogy iuy cnppdogss; Qcgrgs ok sdmpeg noswgr.

Dt sggms onturne tk nssumg tcnt rdlc pgkpeg wdee ig cnppdgr tcno ktcgrs,wrdtg psylckek`dsts Ga Adgogr noa Ykigrt Idswns-Adgogr do Cnppdogss

(Ienljwgee Vuiedscdo`, 9663). Iut mkogy ds koey kog pnrt kb psylckek`dlnewgnetc, sk tcg pdlturg ds lkmpedlntga.

Qcgrg dsn strko` lkrrgentdko igtwggo wgnetc noa cnppdogss, tcg nutckrssny8 Ydlc pgkpeg noa ontdkos nrg cnppdgr tcno tcgdr pkkr lkuotgrpnrts:akot egt noykog tgee yku adbbgrgotey. Iut tcgy oktg tcnt mkogys dmpnltko cnppdogss dsot ns enr`g ns yku md`ct tcdoj. Db yku cnvg lektcgs tk wgnr,bkka tk gnt, noa n rkkb kvgr ykur cgna, dolrgnsga adspksnieg dolkmg cnshust n smnee dobeugolg ko ykur sgosg kb wgee-igdo .

Qk put dt noktcgr wny, db ykurg edvdo` igekw tcg pkvgrty edog ($99,676 no-oune dolkmg bkr n bnmdey kb bkur do 9664), no gxtrn $7,666 n ygnr lno mnjg ncu`gadbbgrgolg do ykur cnppdogss. Ko tcg ktcgr cnoa, db ykur bnmdey gnros$06,666 n ygnr, $7,666 mny ig n wgelkmg ikous, iut dt wkot rnadlneeylcno`g ykur edbg.

\k, ygs, mkogy lnoiuy skmg cnppdogss, iut ns ykuee sgg, dts hust kog pdglgkb tcg puzzeg. Noa tcgrgs n rgne ano`gr tcnt dolrgnsga dolkmg lno nltuneey

mnjg yku mdsgrniegdb ykur agsdrg tk spgoa `rkws wdtc dt. Iut tcnts okttk sny yku cnvg tk edvg edjg n mkoj. Qcg jgy ds bdoado` n inenolg igtwggocnvdo` tkk edtteg noa cnvdo` tkk mulcnoa tcnts ok gnsy tnsj.

N rglgot nrtdleg do tcgHkurone kb Lkosumgr Ygsgnrlcsckwga tcnt, do `gogrne, kur

bggedo`s bkr mntgrdne purlcnsgs bnag mkrg qudljey tcno tcgy ak bkr gxpgrdgotdne

purlcnsgs. Mntgrdne `kkas agprgldntg8 Qcg any nbtgr yku iuy skmgtcdo`, dts usuneeywkrtc egss tcno yku pnda bkr dt. Gxpgrdgolgs, ko tcg ktcgr cnoa, npprgldntg8 Tkur

mgmkrdgs kb tcg tcdo`s yku akvnlntdkos yku tnjg, lkolgrts yku `k tkiglkmg

bkoagr wdtc tdmg iglnusg yku tgoa tk rglnee tcg pksdtdvgs noa bkr`gt tcg og`ntdvgs.

Qcg Buebdeemgot Lurvg

Nmgrdlno lueturg ds lkosumptdko-ardvgo. Qcg mgadn tgnlcgs yku tk wnottcg lektcgs noa lnrs yku sgg ko QR noa tcg wntlcgs noa hgwgery yku sggdo mn`nzdog nas. Tgt stuadgs sckw tcnt pgkpeg wck nrg mntgrdnedstdl tgoa

tk ig egss cnppy tcno tcksg wck nrgot. Do ktcgr wkras, db yku wnot tk iglkotgot, yku sckuea kwonoa wnotegss \tubb.


9/22


Iglnusg \tubb cns sulc no dmpkrtnot rkeg do ykur cnppdogss (noa uocnppdogss), dt

agsgrvgs n lnpdtne \. Tkuee rgna mkrg nikut \tubb tcrku`ckut tcds ikkj, gspgldneeydo Lcnptgr 7.

Do tcgdr pgrskone-bdonolg lenssdl Tkur Mkogy kr Tkur Edbg(Vgoùdo, 9663),Hkg Akmdoùgz noa Rdljd Ykido nrùg tcnt tcg rgentdkoscdp igtwggospgoado` noa cnppdogss ds oko-edognr, mgnodo` gvgry akeenr yku spgoairdo`s yku n edtteg egss cnppdogss tcno tcg kog igbkrg dt.

Mkrg spgoado` akgsegna tk mkrg buebdeemgotup tk n pkdot. Iut spgoado`tkk mulc lno nltuneey cnvg n og`ntdvg dmpnlt ko ykur qunedty kb edbg. Qcgnutckrs su``gst tcnt pgrskone buebdeemgottcnt ds, igdo` lkotgot wdtc ykuredbglno ig `rnpcga ko n lurvg tcnt ekkjs edjg tcds8

Mkogy spgot

\urvdvne

Lkmbkrts

Euxurdgs

Buebdeemgot

K

vgrlkosump

tdko

GOKW@C

Qcg Buebdeemgot Lurvg

Qcds Buebdeemgot Lurvg cns bkur sgltdkos8

\urvdvne.Do tcds pnrt kb tcg lurvg, n edtteg mkogy irdo`s n enr`g `ndo docnppdogss. Db yku cnvg oktcdo`, iuydo` tcdo`s rgneey akgs lkotrdiutg tkykur wgee-igdo`. Tkurg mulc cnppdgr wcgo ykur insdl oggasbkka,lektcdo`, noa scgetgrnrg prkvdaga bkr tcno wcgo tcgyrg okt.


10/22

Lcnptgr >

Lkmbkrts. Nbtgr tcg insdls nrg tnjgo lnrg kb, yku ig`do tk spgoa kolkmbkrts8 n lcndr tk sdt do, n pdeekw tk seggp ko, n sglkoa pndr kb pnots.Qcgsg purlcnsgs, tkk, irdo` dolrgnsga buebdeemgot. Qcgy mnjg yku cnp-py, iut okt ns cnppy ns tcg dtgms tcnt sntdsbdga ykur survdvne oggas. Qcdspnrt kb tcg lurvg ds stdee pksdtdvg, iut okt ns stggp ns tcg bdrst sgltdko.

Euxurdgs.Gvgotuneey ykur spgoado` gxtgoas brkm lkmbkrts tk kutrd`cteuxurdgs. Tku mkvg brkm n smnee npnrtmgot tk n ckmg do tcg suiuris,sny, noa yku cnvg no gotdrg wnrarkig kb lektcdo`. Tku ardoj ckt lcklk-entg ko wdotgr gvgodo`s, sdt ko n ogw skbn, noa cnvg n edirnry kb ARAs.Qcgsg tcdo`s nrg mkrg tcno lkmbkrtstcgyrg euxurdgs, noa tcgy mnjgyku cnppy. Qcgy pusc yku tk tcg pgnj kb tcg Buebdeemgot Lurvg.

Kvgrlkosumptdko. Igykoa tcg pgnj, \tubb stnrts tk tnjg lkotrke kbykur edbg. Iuydo` n skbn mnag yku cnppy, sk yku iuy rgledogrs tk mntlc.

Tkur ARA lkeegltdko `rkws brkm 96 tdtegs tk 966, noa yku ardoj gxpgo-sdvg ckt lcklkentg mnag brkm Vgruvdno lklkn ignos. \kko ykur ckusgds sk buee kb \tubb tcnt yku cnvg tk iuy n id``gr ckmgnoa rgot n stkr-n`g uodt. Iut okog kb tcds mnjgs yku noy cnppdgr. Do bnlt, nee kb ykurtcdo`s iglkmg n iurago. Yntcgr tcno naado` tk ykur buebdeemgot, iuy-do` ogw \tubb nltuneey agtrnlts brkm dt.

Qcg swggt spkt ko tcg Buebdeemgot Lurvg ds do tcg Euxurdgs sgltdko, wcgrgmkogy `dvgs yku tcg mkst cnppdogss8 Tkuvg prkvdaga bkr ykur survdvneoggas, yku cnvg skmg lrgnturg lkmbkrts, noa yku gvgo cnvg n bgw eux-urdgs. Edbg ds `rnoa. Tkur spgoado` noa ykur cnppdogss nrg pgrbgltey ine-nolga. Tku cnvg Goku`c.

Tup, Goku`c `gts n lnpdtne G, tkk. Tkuee egnro mkrg nikut agldado` ckw mulc dsGoku`c entgr do tcds lcnptgr. (Noa akot wkrry8 Qcgrg nrgot noy mkrg wkras wdtc

`kkby lnpdtnes ncgna.)

Wobkrtuontgey, do rgne edbg yku akot cnvg cnoay vdsune ndas tk sckw tcg rg-entdkoscdp igtwggo ykur spgoado` noa ykur cnppdogss: yku cnvg tk bd`urgkut wcnt Goku`c ds ko ykur kwo. Iut ns ykuee sgg do tcg ogxt sgltdko, ig-lnusg wgvg iggo lkoadtdkoga tk igedgvg tcnt mkrg mkogy irdo`s mkrgcnppdogss, mkst pgkpeg rgnlc tcg pgnj kb tcg Buebdeemgot Lurvg noa tcgojggp ko spgoado`.


11/22


Lnu`ct Wp do tcg Ynt Ynlg

Qypdlneey, ns ykur dolkmg dolrgnsgs, ykur edbgstyeg `rkws wdtc dt. Pcgo ykurikss dvgs yku n rndsg, yku wnot tk rgwnra ykursgeb (yku agsgrvg dt!), sk ykuspgoa mkrg. Nee tcnt ogw \tubb lksts mkogy tk iuy, stkrg, noa mndotndo.@rnauneey, ykur edbgstyeg iglkmgs mkrg gxpgosdvg sk yku cnvg tk wkrjcnragr tk gnro mkrg. Tku tcdoj tcnt db koey yku `kt noktcgr rndsg, tcgoykua cnvg Goku`c. Iut do nee edjgedckka, ykua hust rgpgnt tcg prklgss iyspgoado` gvgo mkrg.

Vsylckek`dsts lnee tcds vdldkus lyleg tcg cgakodl trgnamdee, tcku`c ykuprkiniey jokw dt ns tcg rnt rnlg. Vgkpeg ko tcg cgakodl trgnamdee tcdojtcgya ig cnppy db tcgy hust cna n edtteg mkrg mkogy. Iut wcgo tcgy `gtmkrg mkogy, tcgy adslkvgr skmgtcdo` gesg tcgy wnot. Iglnusg tcgyrgogvgr lkotgot wdtc wcnt tcgy cnvg, tcgy lno ogvgr cnvg Goku`c.

Mkst Nmgrdlnos nrg stulj ko tcds trgnamdee. Nllkrado` tk tcg W.\. Lgo-sus Iurgnu (cttp8//tdoyure.lkm/lgosus-dol), do >420 tcg mgadno Nmgrdlnockusgckea dolkmg wns $ (nahustga bkr dobentdko). Inlj tcgo, egsstcno kog-bdbtc kb W.\. bnmdedgs cna lkekr QRs noa koey kog do 97 cna lnieg.Lkmpnrg tcnt wdtc 9660, wcgo tcg mgadno ckusgckea dolkmg wns $76,9420, noa wg cnvg lkmputgrs, dVkas,

noa lgeepckogs. Edbg ds `kka, rd`ct; Iut agspdtg kur dolrgnsga dolkmgs noamntgrdne wgnetc, wgrg ok cnppdgr tcno wgrg do tcg 26s.

Do lnsg dts iggo n wcdeg sdolg ykur enst mntc lenss, cgrgs n qudlj rgbrgscgr8 Db ykucnvg n sgt kb oumigrs, cneb kb tcgm wdee ig `rgntgr tcno tcg mgadno, noa cneb wdee

ig egss. Qcg mgadno ds usuneey adbbgrgot brkm tcg nvgrn`g. Bkr gxnmpeg, do tcg `rkup

kb oumigrs 9, 6>, tcg nvgrn`g ds 9409, tcg Ontdkone Kpdodko Ygsgnrlc Lgotgr cns iggo pkeedo` Nmgrd-lnos nikut tcgdr cnppdogss (cttp8//tdoyure.lkm/okrl-`ss). Ns yku lno sgg dotcg bkeekwdo` `rnpc, tcg oumigrs cnvgot lcno`ga mulc kvgr tcg pnst


12/22

Lcnptgr >

Bdonoldne sdtuntdko

Cnppdogss

17

16

6

7

6

>

409

>

401

>

402

>

403

>

439

>

431

>

432

>

433

>

446

>

44

442

9

666

9

661

Dobk brkm tcg Ontdkone Kpdodko YgsgnrlcLgotgrs @gogrne \kldne \urvgy

Db Nmgrdlnos nrg gnrodo` mkrg, wcy nrgot tcgy cnppdgr; Pgvg iggo ega tkigedgvg tcnt prkspgrdty irdo`s pgnlg kb mdoa, iut dt turos kut ykur `rnoa-bntcgr wns rd`ct8 Mkogy dsot gvgrytcdo`.

Qcg ikttkm edog8 Mkogy lnot mnjg yku cnppy db ykur dolrgnsga wgnetcirdo`s dolrgnsga gxpgltntdkos. Do ktcgr wkras, db yku wnot mkrg ns ykugnro mkrg, ykuee ogvgr ig lkotgot: tcgrg wdee newnys ig skmgtcdo` gesgyku lrnvg, sk ykuee ogga tk wkrj gvgo cnragr tk `gt tcg mkogy tk iuy dt.

Tkuee ig stulj ko tcg cgakodl trgnamdee, ruoodo` edjg n cnmstgr ko n wcgge.

Qcg cgakodl trgnamdee egnas tk edbgstyeg dobentdko, wcdlc ds hust ns ano`grkustk ykur mkogy ns glkokmdl dobentdko: iktc agstrky tcg vneug kb ykur ake-enrs. Bkrtuontgey, yku lno lkotrke edbgstyeg dobentdko. Tku lno kpt kut, stgpkbb tcg trgnamdee, noa gslnpg brkm tcg rnt rnlg. Qk ak tcnt, yku cnvg tk sgtprdkrdtdgs noa agldag ckw mulc ds Goku`c. Qcg ogxt sgltdko sckws ykuckw.

Ckw Mulc Ds Goku`c;Jurt Rkoogùt usga tk rglkuot n lkovgrsntdko cg cna wdtc bgeekw nutckrHksgpc Cgeegr (Rkoogùt puiedscga tcds noglaktg ns n pkgm do tcg OgwTkrjgr). Qcg twk wrdtgrs wgrg nt n pnrty tcrkwo iy n ideedkondrg wcgo Rko-ogùt hkjga, Ckw akgs dt bgge tk jokw tcnt kur ckst mnjgs mkrg do kogany tcno Lntlc-99ZCgeegrs igst-jokwo wkrj] cns mnag do dts gotdrg cds-tkry; Cgeegr rgspkoaga, Dvg `kt skmgtcdo` cg lno ogvgr cnvg. Dvg `ktGoku`c.


13/22


Tkur Mkogy noa Tkur Edbg

\uaago Ydlcgs

\kmg bkejs igedgvg tcgdr wkrrdgs wkuea vnodsc db koey tcgy cna n sdx-bd`urg snenry.

Ktcgrs peny tcg ekttgry iglnusg tcgy tcdoj wdoodo` wkuea skevg tcgdr prkiegms. Iutdts okt ckw mulc yku gnro tcnt agtgrmdogs ckw cnppy yku nrgdts ckw mulc

yku spgoado rgentdko tk ykur dolkmg.

Qnjg prk ntcegtgs8 Qcg nvgrn`g OBE penygr gnros $>.> mdeedko pgr ygnr, noa tcg nvgr-

n`g OIN penygr mnjgs $1 mdeedko pgr ygnr. Tgt gvgo tcgsg vnst dolkmgs skmgtdmgs

nrgot goku`c tk lkvgr wcnt penygrs spgoa. Do n rglgot dssug kb \pkrts Deeustrntga,

Vniek \. Qkrrg agslrdiga ckw noa wcy ntcegtgs `k irkjg (yku lno rgna cds nrtdleg nt

cttp8//tdoyure.lkm/irkjgntcegtgs). Cg wrdtgs tcnt nbtgr 9 ygnrs kb rgtdrgmgot, 03% kb

bkrmgr OBE penygrs cnvg kog inojrupt kr nrg uoagr bdonoldne strgss. Pdtcdo 7 ygnrs

kb rgtdrgmgot, rku`cey 26% kb bkrmgr OIN penygrs nrg do sdmdenr pksdtdkos.Ekttgry wdoogrs cnvg tcg snmg jdoas kb prkiegms. N 966> nrtdleg do Qcg Nmgrdlno

Glkokmdl Ygvdgwbkuoa tcnt nbtgr rglgdvdo` cneb tcgdr hnljpkts, tcg typdlne ekttk wdo-

ogr cna koey put nikut >2% kb tcnt mkogy dotk snvdo`s. Dts gstdmntga tcnt kvgr

n qunrtgr kb ekttgry wdoogrs `k inojrupt. Qnjg Iua Vkst8 Cg wko $>2.9 mdeedko do

>433. Pdtcdo wggjs kb rglgdvdo` cds bdrst nooune pnymgot kb ognrey cneb n mdeedko ake-

enrs, cga spgot $443), \tnoegy noa Anojk lntnek`

tcg lcnrnltgrdstdls kb tcg qudgt mdeedkondrgstcksg wck edvg do nvgrn`g ogd`cikr-

ckkas, ardvg nvgrn`g lnrs, noa wkrj nvgrn`g hkis. Qcgsg bkejs nrg nieg tk iudea noa

mndotndo wgnetc iglnusg tcgy jggp tcgdr spgoado` do lcgljgvgo ns tcgdr dolkmgs

rdsg. Qcg nutckrs sny tcg tcrgg wkras tcnt igst agslrdig tcg nbbeugot nrg bru`ne bru-

`ne bru`ne.

\k gvgo db yku lkmg dotk n wdoabnee edjg no docgrdtnolg kr n ikouskr gvgo n ekttgry

hnljpkttnjg ykur lug brkm tcg bru`ne mdeedkondrgs8 Akot spgoa dt nee do kog penlg.

(Vn`g


14/22

Lcnptgr >

Jokwdo` tcnt yku cnvg Goku`c lno ig igttgr tcno cnvdo` ideedkos kb ake-enrs. Db ykurg kislgogey rdlc iut nrgot cnppy, wcnt `kka ds ykur mkogy;Lkotgotmgot lkmgs brkm cnvdo` Goku`cokt tkk edtteg noa okt tkkmulc. Iut ckw mulc dsGoku`c;

Qcgrgs ok sdmpeg noswgr. Pcnts Goku`c bkr yku mny okt ig Goku`c bkr

ykur igst brdgoa. Noa wcnt yku ogga tk rgmndo nt tcg pgnj kb tcg Buebdee-mgot Lurvg (pn`g 4) wdee lcno`g wdtc tdmg, sk Goku`c ds n idt kb n mkvdo`tnr`gt. Dts tku`c tk agbdog Goku`c, iut tcgrg nrg skmg stgps yku lno tnjgtk bdùrg kut wcnt dt mgnos tk yku.

Woagrstnoa ykur `knes noa vneugs

Db yku akot jokw wcy ykurg gnrodo` noa spgoado` mkogy, tcgo yku lnotsny wcgo yku cnvg Goku`c. \k tnjg tdmg tk rgneey tcdoj nikut wcnt cnv-

do` Goku`c mgnos tk yku. Adsluss dt wdtc ykur bnmdey, noa gxpekrg tcg dagnwdtc ykur igst brdgoa. Ds igdo` agit-brgg Goku`c; Igdo` nieg tk pny lnscbkr n ogw iknt; Cnvdo` n mdeedko akeenrs snvga bkr rgtdrgmgot; Agldag wcntGoku`c mgnos tk yku, noa tcgo wrdtg dt akwo. Db yku akot cnvg no goa dosd`ct, ykurg nt `rgntgr rdsj kb `gttdo` stulj do tcg rnt rnlg.

Vgrskone `knes nrg sk lrdtdlne tk bdonoldne sullgss tcnt ykuee spgoa nee kb Lcnptgr 9

egnrodo` ckw tk sgt tcgm.

Vrnltdlg lkosldkus spgoado`

Iglnusg tcg oktdko kb Goku`c ds sk vnùg, tcg igst wny tk npprknlc dt dstk ig mdoabue kb ykur bdonoldne cnidts. Qcg nlt kb lkosldkusey lckksdo` ckwyku spgoa lno cgep yku mnjg purlcnsgs tcnt nrg do edog wdtc ykur `knesnoa vneugs.

Ynmdt \gtcd pkpuenrdzga tcg lkolgpt kb lkosldkus spgoado`do cds ikkjD Pdee Qgnlc Tku tk Ig Ydlc (Pkrjmno Vuiedscdo`, 9664). Qcg dagn ds tkspgoa wdtc dotgot, agedigrntgey agldado` wcgrg tk adrglt ykur mkogy do-stgna kb spgoado` dmpuesdvgey. \gtcd nrùgs tcnt dts kjny tk spgoa $7,666 nygnr ko sckgsdbtcnt spgoado` ds nedòga wdtc ykur `knes noa vneugs noaykuvg mnag n lkosldkus lckdlg tk spgoa tcds wny (ns kppksga tk spgoa-do` lkmpuesdvgeysgg pn`g 27).


15/22


Db ykurg ogw tk lkosldkus spgoado`, try nsjdo` ykursgeb tcg bkeekwdo`qugstdkos8

Ada D rglgdvg vneug brkm tcds gqune tk tcg nmkuot D spgot;Do ktcgrwkras, ada yku `gt ykur mkogys wkrtc; Tku nergnay jokw tcnt $>66spgot ko kog tcdo` dsot newnys ns kka ns $>66 spgot ko noktcgr. Lko-

sldkus spgoado` ds nikut strdvdo` tk `gt tcg mkst ino` bkr ykur iulj.

Ds tcds spgoado` ned`oga wdtc my `knes noa vneugs; Lkosldkusspgoado` mgnos prdkrdtdzdo`8 puttdo` ykur mkogy tkwnra tcg tcdo`syku ekvgnoa luttdo` lksts mgrldegssey ko tcg tcdo`s yku akot. Dbykurg cnppy wdtc tcg lkbbgg nt tcg kbbdlg, tcgo akot wnstg ykur mko-gy nt \tnriuljs. Iut db ykur gxtrn-ckt okobnt lnrnmge enttg ds tcg cd`c-ed`ct kb ykur any, tcgo iuy tcg enttg! \pgoa koey ko tcg tcdo`s tcntmnttgr tk yku.

Qcg ikx igekw tgees tcg stkry kb Lcrds @udeegignu, wck cns mnag n ekt kbuokrtckakx lckdlgs tk ig surg cds spgoado` mntlcgs cds prdkrdtdgs.

Tkur Mkogy noa Tkur Edbg

Qcg Nrt kb Oko-Lkobkrmdty

Lcrds @udeegignu tnjgs lkosldkus spgoado` tk no gxtrgmg. Nt 49 lkuotrdgs, noa cgs

`kt < ygnrs tk `k.)

Qrnvge ds gxpgosdvg, sk do kragr tk mggt cds `kne, @udeegignu cns mnag dt cds tkp prd-

krdty. \kmg pgkpeg tcdoj Dm lrnzy, cg snys. D akot kwo n lnr, sk D wnej gvgrywcgrg.

D akot gvgo edjg spgoado` n bgw iuljs tk usg puiedl trnospkrtntdko. Iut D spgoa

tckusnoas kb akeenrs tk bey nee kvgr tcg wkrea.

Iy akdo` wdtckut tcg tcdo`s tcnt nrgot mgnodo`bue tk cdmedjg n lnr@udeegignu

lno nbbkra tcg tcdo`s cgs pnssdkontg nikut. Qk rgna mkrg nikut cds uolkovgotdkoneedbg, lcglj kut cds iek` nt www.lcrds`udeegignu.lkm, noa ekkj bkr cds uplkmdo` ikkj,

Qcg Nrt kb Oko-Lkobkrmdty(Vgrd`gg, 96>6).

Ygaulg leuttgr

Db yku cnvg sk mulc \tubb tcnt yku ogga tk rgot n stkrn`g scga, yku cnvgmkrg tcno Goku`c. Db tcg \tubb egnas tk leuttgr tcnt strgssgs yku kut, ykuvg

pnssga tcg pgnj kb tcg Buebdeemgot Lurvg noa ykur naaga euxurdgs nrgirdo`do` yku egss cnppdogss, okt mkrg.
http://volumes/work/books/title/your_money_the_missing_manual/editorial/forprod/www.chrisguillebeau.comhttp://volumes/work/books/title/your_money_the_missing_manual/editorial/forprod/www.chrisguillebeau.com


16/22

Lcnptgr >

Vur`do` leuttgr lno ig n prkbkuoa gxpgrdgolg, iut dt lno ig adbbdluet, tkk8Tku akot wnot tk tkss noytcdo` kut iglnusg yku md`ct ogga dt skmgany,kr dt cns sgotdmgotne vneug, kr dt mny ig wkrtc skmgtcdo`.

@gttdo` rda kb \tubb koey curts bkr n edtteg idt. Kolg ykuvg pnrga ykur ig-eko`do`s, dts edjg n wgd`ct cns iggo edbtga: yku bgge brgg. \kmg pgkpeg bdoa

tcg prklgss sk edigrntdo` tcnt tcgy `k bnrtcgr noa prnltdlg vkeuotnry sdm-pedldty, gvgo tk tcg pkdot kb mkvdo` dotk n smneegr ckmg. Bkr gxnmpeg, AnvgIruok ds lcrkodledo` cds bd`ct n`ndost mntgrdnedsm nt cds wgisdtg (cttp8//tdoyure.lkm/>66tcdo`lcneego`g): cds `kne ds tk kwo koey >66 pgrskone dtgms.

Edvdo` @rggo8 Qcg Mdssdo` Mnounesu``gsts ekts kb `rgnt wnys tk ag-leuttgr ykuredbg.

\ggj inenolg

N inenolga edbg ds n buebdeedo` edbg. Qk bdoa inenolg, yku cnvg tk bd`urg kut ckwmulc ds Goku`c bkr ykutcg pkdot wcgrg ykurg lkotgot wdtc wcnt ykucnvg noa lno sny tcds mulc, iut ok mkrg.

Kolg yku agbdog Goku`c, yku `ndo n sgosg kb brggakm. Tkurg ok eko`grlnu`ct up do tcg rnt rnlg noa cnvg tdmg tk pursug ykur pnssdkos. Tku lno

surrkuoa ykursgeb wdtc bnmdey noa brdgoas, noa rgadslkvgr tcg dmpkrtnolgkb skldne lnpdtnetcg vneug yku `gt brkm mnjdo` pgrskone lkoogltdkoswdtc pgkpeg do ykur lkmmuodty (sgg pn`g


17/22


Nikut cneb kb ykur cnppdogss ds idkek`dlne.Gnlc pgrsko sggms tkcnvg n cnppdogss sgt pkdot, wcdlc nllkuots bkr rku`cey 76% kb ykursgosg kb wgee-igdo`. Iglnusg tcds sgt pkdot ds `gogtdl, dts cnra tklcno`g.

Noktcgr >6% kb cnppdogss ds insga ko ldrlumstnolgsgxtgrone

bnltkrs igykoa ykur lkotrke.Qcgsg doleuag idkek`dlne trndts edjg n`g,rnlg, ontdkonedty, noa `goagr, ns wgee ns tcdo`s edjg mnrdtne stntus, kl-lupntdkone stntus, hki sglurdty, noa dolkmg. Tkur bdonoldne sdtuntdko dspnrt kb tcds >6%iut koey n pnrtwcdlc mgnos dt nllkuots bkr hust nbrnltdko kb ykur tktne cnppdogss.

Qcg bdone 16% kb cnppdogss lkmgs brkm dotgotdkone nltdvdtytcgtcdo`s yku lckksg tk ak. Pcgrgns ldrlumstnolgs cnppgo tk yku,dotgotdkone nltdvdty cnppgos wcgoykunlt iy akdo` tcdo`s edjg gxgrlds-

do`, pursudo` mgnodo`bue `knes, kr jggpdo` n `rntdtuag hkurone.

Nllkrado` tk tcg nutckrs, iglnusg ldrlumstnolgsdoleuado` ykur bdonoldnesdtuntdkopeny sulc n smnee rkeg do ykur `gogrne lkotgotmgot, dt mnjgsmkrg sgosg tk ikkst ykur iedss tcrku`c dotgotdkone nltdvdty, iy lkotrkeedo`tcg tcdo`s yku lno noa d`okrdo` tcksg yku lnot. (Tku lno rgna tcg gotdrgnrtdleg nt cttp8//tdoyure.lkm/cmkage.)

Netcku`c ykur bdonoldne sdtuntdko penys koey n smnee rkeg do ykur kvgrnee

cnppdogss, mkst pgkpeg igedgvg dts mkrg dmpkrtnot tcno tcnt. Iglnusgkb tcds, mnoy Nmgrdlnos spgoa tcgdr edvgs strdvdo` bkr mkrg mkogy noapkssgssdkosiut bdoa tcnt tcds mntgrdnedsm mnjgs tcgm egsscnppy.

Db ykurg lnu`ct up do tcg rnt rnlg, yku mny ig agnedo` wdtc tcdo`s edjg lrga-dt lnra agit, edvdo` pnylcglj tk pnylcglj, bd`ctdo` wdtc ykur spkusg kvgrmkogy, noa wkrjdo` n hki yku cntg. Qcgsg prkiegms nee stgm brkm kogdssug8 enlj kb lkotrke. Pcgo yku bgge edjg yku cnvg ok lkotrke kvgr mkogy,ykurg wkrrdga noa strgssga. Iy tnjdo` lcnr`g kb ykur bdonolgs, yku lno `gt

rda kb mnoy kb tcgsg strgsskrs noa ig cnppdgr. Pgnetc `dvgs yku kptdkosnoa mnjgs dt gnsdgr tk bklus ko tcdo`s tcnt lno mnjg yku lkotgot.

Qcds ikkj wdee tgnlc yku spgldbdl wnys tk `ndo lkotrke kb ykur bdonolgs. Qcgbdrst stgp tk egnado` n rdlc edbg ds egnrodo` ckw tk sgt prdkrdtdgs.
http://tinyurl.com/hmodelhttp://tinyurl.com/hmodel


18/22

Lcnptgr >

Ko tcg Mkogy

Cnppdogss iy tcg Oumigrs

Do tcgdr ikkj Cnppdogss, Ga Adgogr noa Ykigrt Idswns-Adgogr tnej nikut tcg cnp-

pdogss bkrmuen, tcgdr nttgmpt tk qunotdby nee tcds psylckek`dlne stubb nikut mkogynoa wgee-igdo`.

Qcgy bkuoa tcnt n enr`gr dolkmg `gogrneey mnjgs pgkpeg cnppdgriut okt newnys.

Dts okt hust ckw mulc yku mnjg tcnt agtgrmdogs ckw sntdsbdga yku nrg wdtc ykur

edbg, iut ckw tcnt mkogy rgentgs tk ykur agsdrgs. Tku md`ct sny tcnt cnppdogss ds

gqune tk wcnt yku cnvg advdaga iy wcnt yku wnot.

\ny, bkr dostnolg, tcnt ykurg n bnmkus nutckr gnrodo` $966,666 n ygnr. Ko pnpgr,

tcnt skuoas edjg n ekt kb mkogy, iut db yku ygnro bkr gxpgosdvg euxurdgs noa gxpgrd-

golgs, yku mny nltuneey bgge pkkr. Ko tcg ktcgr cnoa, db ykurg n stru`èdo` wrdtgr

irdo`do` do $16,666 n ygnr, yku lno ig cnppy ns eko` ns ykur gxpgltntdkos nrg ekwtcnt ds, db yku akot wnot mkrg tcno yku cnvg. Qcds ds wcy bru`nedty ds sk dmpkrtnot.

(Lcnptgr 7 ds lcklj-buee kb tdps bkr spgoado` egss.)

Bkr noktcgr nttgmpt tk qunotdby wgee-igdo`, tnjg n ekkj nt tcds cnppdogss bkrmuen

brkm Adeigrtlrgntkr \lktt Nanms8 cttp8//tdoyure.lkm/cnppy-adeigrt.

Edvdo` n Ydlc Edbg

Edvdo` rdlcey mgnos bdùrdo` kut wcnt tk spgoa ykur tdmg, mkogy, noa go-gr`y konoa wcnt tk dòkrg. \dolg yku lnot cnvg gvgrytcdo`, yku cnvg tkprdkrdtdzg. Qcds mgnos spgoado` mkogy ko tcdo`s tcnt mnttgr tk ykunoasjdmpdo` ko tcdo`s tcnt akot.

Vsylckek`dsts `gogrneey n`rgg tcnt n edbg wgee-edvga ds rdlc do8

\glurdty.Dts cnra tk ig cnppy wcgo ykurg lkostnotey wkrrydo` nikutckw tk pny tcg idees. Db yku cnvg mkogy, yku akot cnvg tk wkrry nikut

tcksg tcdo`s. (Iut, ns yku okw jokw, yku akot cnvg tk ig rdlc tk igcnppy.) Iy edvdo` igekw ykur mgnos noa nvkdado` agit, yku lno `ndoskmg bdonoldne lkotrke kvgr ykur edbg.

Ygentdkoscdps.Qrug wgnetc lkmgs brkm rgentdkoscdps, okt brkm ake-enrs noa lgots. Pgnetcy kr pkkr, pgkpeg wdtc bdvg kr mkrg leksg brdgoasnrg mkrg npt tk agslrdig tcgmsgevgs ns cnppy tcno tcksg wdtc bgwgr.N eko`-tgrm, ekvdo` pnrtogrscdp `kgs cnoa do cnoa wdtc tcds. Noa nsykuee egnro entgr (pn`g


19/22


Gxpgrdgolgs.Ns gxpendoga do tcg Oktg ko pn`g 3, mgmkrdgs tgoa tk`rkw mkrg pksdtdvg wdtc tdmg, iut \tubb usuneey arkps do vneugiktcnltune vneug noa pgrlgdvga vneug. Ns @rg`kry Jnrp wrdtgs do Qcg >-9-

Gmirnlg rkutdog. Gmgrsko wrktg, N bkkedsc lkosdstgoly ds tcg cki-`kiedo kb edtteg mdoas, iut tcgrgs gvdagolg tcnt skmg lkosdstgoly dslkoauldvg tk lkotgotmgot. Do Cnppdgr (Ml@rnw-Cdee, 9660), Qne Igo-\cncnr rglkmmgoas iudeado` rkutdogs nrkuoa tcg tcdo`s yku ekvg8rgnado`, wnejdo`, `nmdo`, jodttdo`, wcntgvgr. Iglnusg dt lno ig adbbd-

luet tk mnjg tcg tdmg bkr tcgsg nltdvdtdgs, cg nrùgs tcnt wg sckueamnjg rdtunes kut kb tcgm. Db yku gohky idjdo`, mnjg n rdtune kut kb rdado`tk tcg pnrj gvgry gvgodo`, bkr gxnmpeg. (\gg tcg ikx igekw bkr tdps kobdoado` tdmg bkr wcnt yku ekvg.)

Vursug mgnodo`bue knes.Ns ykuee egnro do tcg ogxt lcnptgr, tcg rknatk wgnetc ds pnvga wdtc `knes, noa tcg snmg ds trug kb tcg rkna tk cnp-pdogss. Iut bkr n `kne tk ig wkrtcwcdeg, dt cns tk ig rgentga tk ykurvneugs noa dotgrgstsdt cns tk naa skmgtcdo` tk ykur edbg. Lcnptgr 9

wdee cgep yku agldag wcnt `knes tk sgt.

Ko tcg Mkogy

Buo Qcdo`s Bdrst

Tku egna n iusy edbg. Qcgrg ogvgr sggms tk ig goku`c tdmg tk ak tcg tcdo`s yku rg-

neey wnot, edjg akdo` yk`n, ruoodo`, kr cnvdo` n wggjey od`ct kut wdtc ykur swggtdg.

Pdtc sk mulc nergnay ko ykur pentg, ckw lno yku bdt dt nee do;

Do Pkrj Egss, Edvg Mkrg (Okek Vrgss, 9660), Iki Leyntt nrùgs tcnt yku lnomnjgtdmg bkr buo stubb. Qcg sglrgt, cg snys, ds prdkrdtdzdo`8

Dmn`dog yku cnvg no gmpty hnr, n lkeegltdko kb n bgw enr`g rkljs, noa sgvgrne cnoa-

bues kb `rnvge. Tkur tnsj ds tk put nee tcg enr`g noa smnee rkljs dotk tcg hnr. Kog

npprknlc wkuea ig tk pdeg nee tcg `rnvge bdrst, iut akdo` sk wkuea egnvg rkkm bkr

koey kog kr twk kb tcg enr`g rkljs: yku wkueaot `gt gvgrytcdo` tk bdt. \wdtlc ykur

npprknlc noa put tcg enr`g rkljs do bdrst, noa ykuee bdoa tcnt tcg `rnvge wdee nee bdt

odlgey nrkuoa tcg gmpty spnlg. Db n idt kb `rnvge akgsot bdt nt tcg goa, ykuvg okt

ekst mulc.

Egt tkk mnoy edtteg tcdo`s tnjg prdkrdty, noa tcgrg ogvgr sggms tk ig tdmg bkr tcgid` tcdo`s. Lkosdagr tcg Id` Ykljs tk ig rgneey dmpkrtnot tcdo`s yku wnot tk nl-

lkmpedsc do edbg, tcg tcdo`s tcnt agbdog yku. @gt tcg id` tcdo`s do bdrst, wkrj ko tcg

rd`ct prkhglts noa prdkrdtdgs, noa egt tcg edtteg stubb bdt do nrkuoa tcg ga`gs. Egt ykur

Id` Ykljs ig oko-og`ktdnieg prdkrdtdgs do ykur wggjey lnegoanrnoa egnro tk sny

ok wcgo ktcgr tcdo`s ig`do tk dotruag. Qcgo bdt tcksg ktcgr tcdo`s do wcgrg yku

lno.

\k db ruoodo` mnjgs yku cnppy, slcgaueg ykur ruosnoa tcgo bdt tcg rgst kb ykur

edbg nrkuoa tcgm. Akot dòkrg ykur kied`ntdkos, iut mnjg tcg stubb yku cnvg tk ak

bdt nrkuoa tcg stubb yku wnottk ak, okt tcg ktcgr wny nrkuoa.


21/22


Qcg ikttkm edog ds tcnt db yku lnot ig lkotgot, ykuee ogvgr egna n rdlc edbg,ok mnttgr ckw mulc mkogy yku cnvg. Qcg jgy tk mkogy mnon`gmgotnoa cnppdogssds igdo` sntdsbdga. Dts okt ckw mulc yku cnvgtcnt mnjgsyku cnppy kr uocnppy, iut ckw mulc yku wnot. Db yku wnot egss, ykuee igcnppy wdtc egss. Qcds dsot n psylckek`dlne nmg kr Ogw N`g mumik-humik,

dts bnlt8 Qcg ekwgr ykur gxpgltntdkos, tcg gnsdgr tcgy nrg tk buebdeenoa tcgcnppdgr ykuee ig.

Qcnts okt tk sny yku sckuea egna no ndmegss edbg kb pkvgrty: qudtg tcg kp-pksdtg, do bnlt. Iut mkst pgkpeg lkobusg tcg mgnos wdtc tcg goas. Qcgylcnsg nbtgr mkogy noa \tubb do no nttgmpt tk bgge buebdeega, iut tcgdr lckdlgsnrg dmpuesdvg noa rnoakm. Qcgdr rgtnde tcgrnpy akgsot naargss tcg rkktlnusg kb tcgdr uocnppdogss8 Qcgy enlj `knes noa no uoagreydo` vneug sys-tgm tk cgep `udag tcgdr agldsdkos.

Do tcg ogxt lcnptgr, ykuee egnro ckw tk lrgntg mgnodo`bue bdonoldne `knestcnt nrg ned`oga wdtc ykur pnssdkos. Qcgo ykuee ig nieg tk usg tcgsg `knestk mnjg igttgr agldsdkos nikut mkogy. Qcgsg lckdlgs wdee, do turo, cgepyku edvg n cnppdgr edbg.


22/22

Tku lno oa tcds ikkj ntkrgdeey.lkm

do prdot kr gikkj bkrmnt.

Dts nesk nvndenieg nt ykur bnvkrdtg ikkj rgtndegr,

doleuado` dQuogs, tcg Noarkda Mnrjgt, Nmnzko,

noa Inrogs & Okieg.

krgdeey.lkm\prgnado` tcg jokwega`g kb dookvntkrs

Pnot tk rgna mkrg;
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Your Money: The Missing Manual - Sampler