دانلود کتاب Teachers Can Be Financially Fit: Economists’ Advice for Educators

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Preface What Teachers Tell Us Reference Contents 1: Yes, Teachers Can Be Financially Fit 1.1 Teacher Case Study: Makayla, the Unexpected Philanthropist 1.2 It’s Not All About the Money; It’s About Happiness 1.3 Finding a Financial Adviser 1.4 The Scorecard: Net Worth 1.5 Teacher Tip Sheet: Yes, Teachers Can Be Financially Fit 1.6 Q&A 1.7 Financial 911 for Teachers 2: Spending and Saving: A Guide for Teachers 2.1 Teacher Case Study: Liam Discovers Ways to Create Value 2.2 Budgeting for Life: Mapping Out Success 2.2.1 Let’s Get Started and Set Some Goals 2.2.2 Spend Less Than You Earn 2.3 Objective: Budget for Life and Analyze Tradeoffs 2.4 Objective: Maximizing Income and Benefits 2.4.1 Extra Income 2.4.2 Saving Regularly: Build a Rainy-Day Fund 2.5 Save Regularly and Invest: Compounding Interest 2.6 Spending Purposefully 2.7 Conclusion: Saving and Spending for Life! 2.8 Teacher Tipsheet on Spending and Saving 2.9 Q&A 2.10 Financial 911 for Teachers 3: Earning Extra Income 3.1 Teacher Case Study: Eric’s Story 3.2 Invest in Yourself 3.2.1 Investing in Human Capital 3.2.2 Comparative Advantage 3.3 Part-Time Work 3.4 Try Your Hand as an Entrepreneur 3.5 Tips for Starting a Business 3.6 You May Need to Move 3.7 Conclusion: Teachers and Income 3.8 Teacher Tipsheet: Earning More Income 3.9 Q&A 3.10 Financial 911 for Teachers 4: Teachers’ Wheels: Cars and Transportation 4.1 Teacher Case Study: Different Car Paths for Terry and Megan 4.2 A Love Affair? 4.2.1 You’ve Got to Be There 4.2.2 The “Happy-o-Stat” Applied to Cars 4.3 The Wealth-Building Power of Good Car Choices 4.4 Reliability, Used Cars, and Contingency Planning 4.5 Shopping and Buying: Two Principles 4.6 Terry’s Problem 4.7 Teachers and Negotiating 4.7.1 Negotiating Strategies 4.7.2 The Dangers of Long Loans 4.8 Car Maintenance 4.9 The Endgame: When to Let It Go 4.10 Conclusion: Teachers and Cars 4.11 Teacher Tipsheet on Cars and Transportation 4.12 Q&A 4.13 Financial 911 for Teachers 5: Walls and a Roof: Housing for Teachers 5.1 Teacher Case Study: Too Good to Be True? 5.2 A Roof Over Your Head: Rent or Buy? 5.2.1 Advantages of Buying 5.2.2 Advantages of Renting 5.3 How Much Can You Afford (Should You Stretch)? 5.4 The “Happy-o-Stat” Applied to Housing: Location, Location, and Location 5.5 Mortgage Loans 5.5.1 Size of the Down Payment 5.5.2 Length of the Loan 5.5.3 Deciding on the Mortgage Loan 5.6 House-Hunting, Start to Finish 5.7 After You Move In 5.8 Avoiding Refinancing Traps 5.9 When You Sell 5.10 Conclusion: Teachers and Housing 5.11 Teacher Tipsheet on Housing 5.12 Q&A 5.13 Financial 911 for Teachers 6: Managing Credit and Debt 6.1 Teacher Case Study: The School Human Resources Department 6.2 Credit Matters 6.3 Is Credit from Heaven or Hell? 6.4 Common Forms of Credit 6.4.1 How Credit Works 6.4.2 How to Get Credit 6.5 Credit Reports and Scores 6.5.1 What Is a Credit Report? 6.5.2 Your Credit Score 6.6 Conclusion: Teachers and Credit 6.7 Teacher Tipsheet on Using Credit and Obtaining Debt 6.8 Q&A 6.9 Financial 911 for Teachers 7: Investment Basics for Teachers 7.1 Teacher Case Study: Emma Loves Tech 7.2 Three Rules 7.2.1 Rule 1: Start Early 7.2.2 Rule 2: “Buy and Hold” 7.2.3 Rule 3: Diversify 7.3 Forms of Saving and Investing – Safe Investments 7.3.1 Savings Accounts 7.3.2 Certificates of Deposit 7.3.3 Money Market Mutual Funds 7.4 Forms of Saving and Investing – Riskier Investments 7.4.1 Bonds 7.4.2 Stocks 7.4.3 Real Estate 7.5 Risk and Reward 7.6 Mutual Funds 7.7 Exchange Traded Funds (ETFs) 7.8 Conclusion: Teachers and Financial Security 7.9 Teacher Tipsheet on Building Wealth for the Long Term 7.10 Q&A 7.11 Financial 911 for Teachers 8: Retirement for Public School Teachers 8.1 Teacher Case Study: Tom Turns Out to Be Terrific at Getting a Comfortable Retirement 8.2 How a Traditional Teacher Pension Works 8.3 Retirement Realities: Understanding Teacher Plans 8.4 When Should You Retire? 8.5 Understand Your Social Security Choices 8.6 Considering Other Sources of Income 8.7 Conclusion: Teachers and Financial Security 8.8 Teacher Tipsheet on Public School Teacher Retirement 8.9 Q&A 8.10 Financial 911 for Teachers 9: Saving for Retirement: Options for Charter and Private School Teachers 9.1 Teacher Case Study: Donna 9.2 Charter School Teachers 9.3 Private School Teachers 9.4 Tax Advantaged Retirement Accounts: 403(b) Plans 9.5 Tax Advantaged Retirement Accounts: Individual Retirement Accounts 9.5.1 Traditional IRA 9.5.2 Roth IRA 9.6 Self-Employed Retirement Saving 9.7 Contributing to Multiple Accounts 9.8 Asset Allocation 9.9 Teacher Tipsheet: Retirement for Private and Charter School Teachers 9.10 Q&A 9.11 Financial 911 for Teachers 10: The Higher Education Connection 10.1 Teacher Case Study: Margaret Wonders What Went Wrong 10.2 Paying Down Student Loan Debt 10.2.1 How Much Do You Owe? 10.2.2 Repayment Plan 10.2.3 Pay More Than the Minimum 10.2.4 Refinancing 10.3 The Economics of Tenure 10.3.1 Arguments for Tenure 10.3.2 Arguments Against Tenure 10.4 Retirement Planning 10.5 Opportunities for Earning More Income 10.6 Teacher Tipsheet: Suggestions Regarding Consulting Income 10.7 Q&A 10.8 Financial 911 for Teachers Reference 11: Educators and Insurance 11.1 Teacher Case Study: Doing Everything Right and Getting It Wrong 11.2 Risk and Insurance 11.2.1 How to Manage Risk 11.2.2 How Insurance Works 11.3 Strategy for Good Insurance Decisions 11.3.1 Car Insurance 11.3.2 Insurance at Home 11.3.3 Life Insurance 11.3.4 Health Insurance 11.4 What Jayden and Alyssa Did Wrong 11.5 Conclusion: Getting a Good Deal 11.6 Teacher Tipsheet on Insurance 11.7 Q&A 11.8 Financial 911 for Teachers 12: Unconventional Risk Management 12.1 Case Study: Penelope’s Life Changes Suddenly 12.2 Managing Unconventional Risks 12.3 Be Prepared 12.3.1 Place All Important Documents in One Place 12.3.2 Have an Updated Will 12.3.3 Advance Directives 12.3.4 Insurance 12.4 Plans to Manage Your Financial House When the Unexpected Happens 12.4.1 Income Risks 12.4.2 Expense Risks 12.4.3 Credit and Debt Risks 12.4.4 Asset Risks 12.5 Conclusion: Unconventional Risk Management 12.6 Teacher Tipsheet on Unconventional Risk Management 12.7 Q&A 12.8 Financial 911 for Teachers 13: Teachers in a Market Economy 13.1 Teacher Case Study: Teaching in the Developing World 13.2 Natural Resources Paradox 13.3 Market Economies 13.3.1 Prices as Signals 13.3.2 Prices Are Incentives 13.4 Voluntary Exchange: The Haircut 13.5 The Profit Motive 13.5.1 Private Ownership 13.5.2 Economic Institutions 13.6 Why Do People Make What They Make? 13.7 Labor Markets 13.8 How to Increase Your Income 13.9 Conclusion: The Market Economy 13.10 Teacher Tipsheet on Participating in a Market Economy 13.11 Q&A 13.12 Financial 911 for Teachers 14: Don’t Keep It a Secret 14.1 Teacher Case Study: Anthony’s Story Shows How Teaching Can Change Lives 14.2 About Teaching Students to Be Financially Fit and Available Resources 14.3 Teach Others About Financial Fundamentals: Resources 14.3.1 Council on Economic Education Resources 14.3.2 Federal Reserve System Resources 14.3.3 Junior Achievement Resources 14.3.4 Other Resources 14.4 Teachers Engaging Parents 14.5 Teachers Helping Other Teachers and Others in Their Schools 14.6 Conclusion 14.7 Teacher Tipsheet: Don’t Keep It a Secret 14.8 Q&A 14.9 Financial 911 for Teachers Reference Index