Effective money management means knowing how to save, how to spend, and how not

to spend. It means knowing what "expert" aavice to take and what to ignore. It means

arming yourself with the facts you need to negotiate the complexities of today s

financial marketplace.

This all-in-one guide gives you the information you need to establish and maintain

financial security throughout your lifetime. It s at once a reference source, explaining

basics about bank accounts, credit, taxation, budgetiRg, insurance, investment, and

retirement planning; apractical adviser, offering money-saving suggestions tailored to

different personal circumstances, ages, incomes, and attitudes; and a financial plan-

ner, providing a blueprint for prudent saving, skillful investment, and wise spending, so

that you can meet today s needs while positioning yourself financially to realize

tomorrow s goals.

Incorporating the knowledge and research of numerous financial experts and the

editors of Consumer Reports Books, Complete Guide to Managing Your Money covers

these subjects:

Checking Accounts

Savings Accounts

Loans

Charge Cards

Banking Alternatives

Budgeting

Financial Planning

Credit Rating

Bankruptcy

Tax Planning

Special Tax Situations

Medical Insurance

Life Insurance

Homeowner s Insurance

Automobile Insurance

Other Insurance

Principles of Investing

Stocks

Bonds

Mutual Funds

Your Home

Other Real Estate

Ho,$ to Plan for Your

Retirement

IRAs and Keoghs

Social Security and Pensions

Wills and Trusts

Janet Bamford has been a reporter and staff writer at Forbes magazine and is

currently a free-lance financial writer. Jeff Blyskal, a contributing financial editor for

< Consumer Reports magazine, is coauthor of PR: How the Public Relations Industry

/ Writes the News. Emily Card, a contributing editor for Ms. magazine and author of