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Your money ratios : 8 simple tools for financial security at every stage of life / Charles Farrell.

by Farrell, Charles, J.D.

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Retirement income.

Finance, Personal.

Financial security.

9781583334164 (pbk.)

Alternate title:

money ratios : 8 simple tools for financial security at every stage of life

257 p. ; 21 cm.

Includes index.

Introduction: a simple, new perspective -- The capital to income ratio -- The savings ratio -- Social security -- Where to save your money -- The debt ratios -- The investment ratio -- Stocks and bonds 101 -- Ignoring Wall Street -- The disability insurance ratio -- The life insurance ratio -- The long-term care insurance ratio -- Health insurance -- Getting professional help -- Pulling it all together.

"Sound, easy-to-follow financial advice that can be implemented immediately. A remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios to get an instant picture of their savings status and overall financial health, as well as a road map for the important choices for the future. Some key ratios include The Capital-to-Income Ratio: how much capital (savings) you should have if you plan to retire at 65? The Mortgage-to-Income Ratio: the maximum mortgage debt you should carry and still have sufficient capital left for comfortable savings? The Education-to-Average-Income Ratio: the amount of education-related debt you can safely incur based on anticipated average earnings after obtaining your degree. Charles Farrell writes the "Retirement Roadmap" column for CBS Moneywatch.com. Visit his website at YourMoneyRatios.com"--Provided by publisher.

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