Benna Ted, Bucci Stephen R., Caher James P. (inter alias) - Managing Your Money All-In-One, For Dummies.pdf - Personality. Improvement. Survival - Obi

Managing

Your Money

FOR

DUMmIES

‰

by Ted Benna, Stephen R. Bucci, James P. Caher,

John M. Caher, N. Brian Caverly, Peter Economy,

Jack Hungelmann, John E. Lucas, Sarah Glendon Lyons,

Margaret A. Munro, EA, Brenda Watson Newmann,

Mary Reed, Jordan S. Simon, Kathleen Sindell, PhD,

Deborah Taylor-Hough, John Ventura

ALL-IN-ONE

Managing Your Money All-in-One For Dummies ®

Published by

Wiley Publishing, Inc.

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Published simultaneously in Canada

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About the Authors

Ted Benna is often called the “father of the 401(k)” because he created

and gained IRS approval for the rst 401(k) savings plan. Ted is a nationally

recognized expert on retirement issues whose articles and comments have

appeared in myriad publications. Ted has been pro led in The New York

Times , USA Today , Fortune , and Kiplinger . During his career, Ted has helped

thousands of employers establish, restructure, and administer their retire-

ment programs. He is president and founder of the 401(k) Association. Ted is

the coauthor of 401(k)s For Dummies .

Stephen R. Bucci is currently the president of the Money Management

International Financial Education Foundation, www.mmifoundation.org ,

which provides funds and materials for essential money management edu-

cation. In addition, he is helping to build one of the nation’s largest credit

counseling services, Money Management International (MMI). MMI is not only

accredited by the Council on Accreditation, but is also a member of both the

Association of Independent Consumer Credit Counseling Agencies and the

National Foundation for Consumer Credit — the umbrella associations for

credit counseling nationwide. In addition, all of their counselors are certi-

ed — and trained to help you nd the best way out of debt. Stephen is the

author of Credit Repair Kit For Dummies , 2nd Edition.

James P. Caher is a practicing attorney with 30 years of experience, is a

nationally recognized expert on consumer bankruptcies and authority on the

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Jim has

published scores of articles for bankruptcy professionals and is frequently

called upon to analyze and interpret the complicated provisions of the

2005 bankruptcy law. He also serves on the editorial board of the American

Bankruptcy Institute. Jim graduated from Niagara University and then earned

his law degree from Memphis State University Law School, where he was

a member of the Law Review and recipient of the American Jurisprudence

Award for Excellence in the eld of debtor-creditor relations. He led his rst

consumer bankruptcy case shortly after graduating in 1975 and lives and

practices in Eugene, Oregon. James is coauthor of Personal Bankruptcy Laws

For Dummies .

John M. Caher is a legal journalist who has written about law and the courts

for most of his long career. He has been Albany bureau chief for the New

York Law Journal and state editor and legal affairs reporter for the Times

Union of Albany, New York. His legal reportage has won more than two dozen

awards, including prestigious honors from the American Bar Association,

the New York State Bar Association, the Erie County Bar Association, and the

Associated Press. John is coauthor of Personal Bankruptcy Laws For Dummies .

N. Brian Caverly is a practicing lawyer in Pennsylvania. He has practiced law

since 1968, and in his practice emphasizes wills and estates, estate planning,

and elder law. He holds an AB degree in economics from Bucknell University,

and a JD degree from the Dickinson School of Law. He serves on the board of

directors of the Angeline Elizabeth Kirby Memorial Health Center in Wilkes-

Barre, a major charitable organization. Brian is also chairman of the Luzerne

County Planning Commission. He presents lectures and writes articles and

papers about various legal topics, including those related to estate planning.

Brian is the coauthor of Estate Planning For Dummies .

Peter Economy lives in La Jolla, California and is a bestselling author or

coauthor of more than 35 books, including Managing For Dummies and

Consulting For Dummies with Bob Nelson, Home-Based Business For Dummies

with Paul and Sarah Edwards, and Writing Children’s Books For Dummies

with Lisa Rojany Buccieri. Peter is also Associate Editor for the Apex Award-

winning magazine Leader to Leader .

Jack Hungelmann’s policy knowledge, problem-solving expertise, and cover-

age analysis was gained through more than 25 years in the insurance busi-

ness as a claims adjuster, agent, and consultant. He has advised individuals

and commercial enterprises on their insurance needs and has earned several

distinguished designations. Jack graduated from the University of Minnesota

in 1969 and has taught professional continuing education classes for both the

CPCU and CIC societies. He has been published numerous times in American

Agent & Broker magazine. He lives in Chanhassen, Minnesota with his wife

Judy. Jack is the author of Insurance For Dummies .

John E. Lucas has been in the mortgage banking industry for over 40 years,

actively originating mortgage loans in the Van Nuys, California area. When

the Department of Housing and Urban Development (HUD) introduced the

HECM reverse mortgage in 1989, he worked with one of the companies HUD

chose to participate in the test program. He has lectured on reverse mort-

gages to a wide variety of organizations and groups such as senior centers,

realtors, CPAs, nancial planners, elder law attorneys, service clubs and uni-

versity groups, and is a member of the National Reverse Mortgage Lenders

Association. John is the coauthor of Reverse Mortgages For Dummies .

Sarah Glendon Lyons is a San Diego-based writer with a diverse portfolio

of housing-industry experience. She holds a B.A. in English Language and

Literature from the University of Arizona and studied at Australia’s University

of Wollongong before joining Hanley Wood LLC, publishers of over 75 con-

sumer home magazines. As an editor for P ngsten Publishing’s Mortgage

Originator magazine, she has written hundreds of articles for mortgage pro-

fessionals. Although she has developed a wide scope of lending insight, her

particular expertise is in the reverse mortgage eld. Sarah offers reverse

mortgage information to originators and consumers around the country. Her

perspective as an unbiased researcher and consultant allows her to provide

readers with both the bene ts and challenges of reverse mortgages. Sarah is

the coauthor of Reverse Mortgages For Dummies .

Margaret A. Munro, EA, is a tax consultant/advisor/writer/lecturer with

over 30 years of experience in various areas of nance and taxation. She is

an enrolled agent, licensed by the federal government to represent clients

in the areas of tax and tax-related issues. She currently operates a widely

diverse private practice that specializes in the nancial concerns of families

with school-age children, a group that is near and dear to her heart. She is a

graduate of The Johns Hopkins University and has also attended University

College Cork and the Ponti cal Institute of Mediaeval Studies in Toronto.

Peggy is the author of 529 & Other College Savings Plans For Dummies and

Estate and Trust Administration For Dummies .

Brenda Watson Newmann is a writer and editor dedicated to helping ordi-

nary folks understand complicated topics. She was in charge of editorial

content for the mPower Cafe, a leading educational Web site for retirement

investors. Under her direction, the site won accolades including Forbes maga-

zine’s “Best of the Web.” Brenda keeps attuned to the concerns of 401(k)

investors through the emails she receives regularly from readers. She fre-

quently writes articles on retirement investing and has been interviewed by

media outlets, such as USA Today and Investor’s Business Daily . Brenda began

her writing career with The Associated Pres, and was a foreign correspon-

dent in Germany and Switzerland. She is a graduate of Stanford University

and the Johns Hopkins University School of Advanced International Studies.

Brenda is the coauthor of 401(k)s For Dummies .

Mary Reed is a personal nance writer who has coauthored or ghostwrit-

ten numerous books on topics related to consumer money matters and legal

rights. Mary has also written for the magazines Good Housekeeping , Home

Ofﬁ ce Computing , and Small Business Computing and she has ghostwritten

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