Gain financial literacy and get expert advice—tailor made for the provinces
Personal Finance For Canadians For Dummies is a comprehensive guide and reference that helps you get smart about money, taking unique Canadian laws and opportunities into account. The clear, jargon-free explanations in this book will lead you to financial savvy. Understand how your earnings inform your budget, when to spend vs when to borrow, how to invest wisely, and how to protect your assets. You’ll also learn best practices for managing your money with an eye toward Canadian tax laws, retirement plans, education savings, and pension plans. With the sound advice you’ll find inside, you’ll soon see your loonies turn into toonies!
- Improve your financial literacy and establish realistic goals
- Reduce your spending, set a budget, save for the future, and manage debt
- Minimize your tax bill and work out the differences among retirement and savings plans
- Invest in stocks or real estate to protect and grow your assets in the long term
This is the perfect Dummies guide for Canadians looking for advice on how to best manage their finances.
สารบัญ
Introduction 1
Part 1: Getting Started with Personal Finance 5
Chapter 1: Embracing Financial Literacy 7
Chapter 2: Establishing a Financial Foundation 19
Chapter 3: Measuring Your Financial Health 29
Chapter 4: Establishing and Achieving Financial Goals 47
Part 2: Spending Less, Saving More 81
Chapter 5: Managing Where Your Money Goes 83
Chapter 6: Dealing with Debt 93
Chapter 7: Reducing Your Spending 111
Chapter 8: Trimming Your Taxes 145
Chapter 9: Making the Most of Registered Retirement Savings Plans 179
Part 3: Building Wealth through Investing 199
Chapter 10: Considering Important Investment Concepts 201
Chapter 11: Understanding Your Investment Choices 229
Chapter 12: Investing in Funds 251
Chapter 13: Investing in RRSPs and Retirement Plans 269
Chapter 14: Investing Outside Tax-Sheltered Retirement Plans 287
Chapter 15: Investing for Educational Expenses 307
Chapter 16: Investing in Real Estate: Your Home and Beyond 327
Part 4: Insurance: Protecting What You Have 365
Chapter 17: Insurance: Getting What You Need at the Best Price 367
Chapter 18: Insurance on You: Life, Disability, Long-Term Care, and Medical 381
Chapter 19: Covering Your Assets 399
Part 5: Where to Go for More Help 419
Chapter 20: Working with Financial Planners 421
Chapter 21: Using Technology to Manage Your Money 437
Part 6: The Part of Tens 451
Chapter 22: Survival Guide for Ten Life Changes 453
Chapter 23: Ten Tactics to Thwart Identity Theft and Fraud 467
Index 473
เกี่ยวกับผู้แต่ง
Eric Tyson is the author of all editions of Investing For Dummies, Taxes For Dummies, Home Buying For Dummies, and Small Business For Dummies. Tony Martin operates On The Money, Inc., a financial services communications company. He’s been a columnist for the Globe and Mail, The Financial Post, Canadian Business, and Profit Magazine.