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by Amy E. Buttell,Bonnie Biafore
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  • Author:
    Amy E. Buttell,Bonnie Biafore
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    O'Reilly Media; 1 edition (May 27, 2010)
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    252 pages
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Similar books to Personal Investing: The Missing Manual (Missing Manuals). Bonnie Biafore has always been a zealous planner, whether setting up software demos, cooking gourmet meals, or scheduling a vacation to test the waters of spontaneity. Ironically, fate, not planning, turned this obsession into a career as a project manager.

Roth is an accidental personal-finance expert-a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. org), which Money magazine named the Web’s most inspiring personal-finance blog.

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Books related to Personal Investing: The Missing Manual. by Bonnie Biafore,Amy E. Buttell,Carol Fabbri.

The Missing Manual is a registered trademark of O'Reilly Media, Inc. The Missing Manual logo, and "The book that should have been in the box" are trademarks . Personal Investing: The Missing Manual by Bonnie Biafore. Photoshop CC: The Missing Manual by Lesa Snider. The Missing Manual logo, and "The book that should have been in the box" are trademarks of O'Reilly Media, Inc. Many of the designations used by manufacturers and sellers to distinguish their products are claimed as trademarks. Photoshop Elements 12: The Missing Manual by Barbara Brundage.

As an engineer, she’s fascinated by how things work and how to make things work better. About These Arrows Throughout this book and the Missing Manual series, you’ll find sentences like this one: In the Gantt Chart Tools Format tab’s Bar Styles section, choose Format→Bar Styles.

Did your investments take a hit in the recession? You're not alone. Between 2007 and mid-year 2009, the average 401K lost 31% of its value. Ouch. It's time to take control of your investments with Personal Investing: The Missing Manual. Financial experts agree that with the right guidance, consumers can make investments better than many professionals. This lively and easy-to-understand guide gives you the confidence, tools, and insight you need to evaluate financial products and make smart investments that target success over the long term.

You'll learn how to set long-term goals for critical, high-cost events such as retirement, your children's education, and future health care needs. Then you'll learn what types of investments will best help you achieve those goals. In step-by-step fashion, this book shows you how to research mutual funds, stocks, bonds, and other financial products to create a portfolio of diversified investments.

Get crystal-clear, practical advice from personal finance expert Bonnie Biafore, author of Missing Manuals on the Quicken personal-finance program and QuickBooks business finance program Understand why you need to invest -- Biafore shows you how savings accounts simply won't outpace inflation or give you the returns you need for long-term goals Learn how to evaluate and buy traditional investments, such as stocks, bonds, and mutual funds Discover lesser-known investments, such as index funds and exchange-traded funds, which cost you less and provide more tax advantages Choose the best funds offered by your employer for your 401K, and learn how to get the greatest tax advantages How Investing Makes Your Money Work Harder With inflation’s 3.41% price increases compounding year after year, figuring your expenses produces some galactic numbers. Sadly, you can’t choose whether to accept the compounding of inflation. But what if you could use compounding to inflate the money you save? It turns out that you can, by investing your money and reinvesting all your earnings. You can choose the compounding of the returns you earn on your money, so it’s important to understand just how powerful this strategy is. True, investment returns aren’t as steady as the inflation rate. Some years are better than others, and some years are downright dogs. But for now, assume that your investments increase 7% each year (that’s the return most financial planners tell their clients they can expect on a diversified investment portfolio). Say you seed a retirement account with $10,000, as the table below shows. If you earn 7% the first year, you’ll have $10,700 at the end of the year. The second year, you earn $749 (7% on $10,700) and end up with $11,449. If you earn 7% each year for 40 years (from the time you start working until you retire), you’d have almost $150,000! That’s $140,000 of earnings on a single $10,000 investment. On the other hand, what if you invested $10,000 and earned 7%, but withdrew each year’s earnings? (That return is called simple interest, because you earn the same amount on your original investment each year.) You’d earn $700 each year for 40 years, for total earnings of $28,000 on your original $10,000 investment. By letting your investment returns compound, your total earnings are five times what you’d earn with simple interest. The graph below shows how your nest egg grows like wildfire when you let your earnings compound. Compounding is a powerful force, even when the rate is small, as you’ve seen with inflation. But this technique really shines when you earn higher returns, like the 7% from a diversified portfolio, and give your portfolio time to mature. The graph below shows how a $10,000 nest egg grows when you put your money in diversified investments, bonds, money market funds, and savings accounts. Compare the line for inflation to see how investing can help you beat the steady rise in prices. You can see how investments start to take off after 15 years. That’s compounding at work, and that’s why it’s important to start investing for long-term goals as early as you can. Investing for the Long Term Although well-diversified investing works like magic when you give it time, it doesn’t make sense for short-term goals. That’s because you have to accept some risk to earn higher returns. Investments in the stock market can decrease during a single year--and do so every several years. The good news is that the risk of losing money decreases the longer you keep your money invested (think decades). During recessions, the stock market can really tank, like the almost 50% drop it suffered in 2001. You wouldn’t want to see half your nest egg go away the year before you retire. However, since 1929, the average annual return on stocks is more than 11% despite battering from the Great Depression and several recessions. Besides, a diversified portfolio isn’t invested solely in the stock market, as you’ll learn in Chapter 9. By investing in stocks, bonds, and real estate, you won’t see drops as big as the ones for stocks alone. Chapters 9, 10, and 11 also tell you how to move money that you need in the next few years into ultrasafe savings so it’s around when you need it. Lots of folks would rather be certain of having a small amount of money than worry about whether a large nest egg might falter right when they need it. You might think that putting money into a guaranteed money market account means you won’t lose money. Think again. If your money doesn’t keep up with inflation, you lose buying power, which is the same as losing money.

I was looking for a book that was more insightful, something deeper. I wanted to learn more about what kinds of questions you ask yourself in comparing different investing options. This was just way too basic for what I was looking for. I felt like i was just being told something so obvious if not something I already knew.
As is typical for the missing manual series, this is a well written, informative book that covers many investing topics. It starts by having you set goals for your life, and then encourages you to get out of debt (It's hard to invest when you're underwater financially). Budgeting is promoted, spending wisely has its own chapter, and a brief section on psychoanalyzing your personal approach to investing fills out the introductory chapters.

The next section of the book gives an A-Z summary of common investment options. The "magic" of compounding is explained. The authors then go on to discuss what they call the "big four" of investing, mutual funds, stocks, bonds, and REITs. Pros and cons of each of these choices are clearly discussed. There is also a section on asset allocation, which suggests different amounts portioned to different investments depending on the financial climate.

The book ends with chapters on putting money aside for college and health care.

There are references to online tools that will allow one to refine strategies. One puzzling mistake that is repeated throughout the book is giving the incorrect age for "full retirement" as defined by social security for most of the baby boom generation. This doesn't detract from the usefulness of the book for people looking for a thoughtful introduction to personal investing.
I love the Missing Manual books because they are so readable, so enjoyable, and so open to all areas of individuals. Branching out past the computer books is a +++++ in my opinion because TMM line is all about QUALITY. With 'Personal Investing: The Missing Manual', the authors teach you they whys, wheres, and hows of investing starting from scratch. This isn't the Wall Street Journal or Barrons, it's a simple intro guide that will get you on the path to knowing about saving money and learning more about how to do it.

I think this book is perfect for new college graduates or anyone looking to learn about saving for the future. The writing is great, content is great, and it's simple and broad at the same time.

What I love about "Personal Investing: The Missing Manual" is that it makes so much sense. Many financial advisors create an air of inpenetrability about investing one filled with complexity that is designed to intimidate even a highly intellegent person. Personal Investing: The Missing Manual" presents a straight forward simple and easy to understand approach to investing which highlights the risks and the tax advantages (and disadvantages) that are often overlooked by eager portfolio manangers looking to sell investors "the flavor fo the month" investment plan. The book demystifies the vocabulary of personal finance and brings readers closer to the true nature of personal investing: taking care of oneself and your loved ones.

Early in the book, the authors discuss putting together an investment plan created from personal goals. This is a powerful way for readers to interact with the material presented. If you are one of the many concerned about how to live well with the money you have while saving for the future you imagine for yourself, you'll find "Personal Investing: The Missing Manual" lively and insightful reading.

As an entrepreneur and an adjunct professor of business, I hear people talk about "do what you love and the money will follow." I've always answered that with "then what?" "Personal Finance: The Missing Manual" is the bridge for taking what you have and allocating to the present and creating the future. The easy to use online tools provided as an accompaniment to the book are excellent for "what if" scenarios and figuring out exactly what the best investment modalities are for your situation. "Personal Investing: The Missing Manual" is a compelling approach to guiding your financial life using your own values and goals.
I picked up a number of personal finance and investment books before deciding on this one. Here's why: It covers an array of topics succinctly, giving you tools to do things that might seem scary: Estimate how much you need to save NOW for retirement, and manage your own investing (done quite easily if you buy a broad cross-section of the stock market). The examples are well stated. The take on investing is for people who might want to review what they have one a year -- but not fiddle with things, as their choices are solid, which is my preference. The online tools and estimators are great. I've actually never given a book review before, but I'm thinking of how many friends in their 30s have saved little to nothing for retirement, and how much my younger friends would benefit from getting started now. I highly recommend this book.