Suze Ormans action plan 2009 english pdf

The economic crisis that struck in 2008 has left no one untouched and everybody reeling. -Are your savings safe? -Should you continue to invest in your retirement account? -Should you keep your home if it’s worth less than what you owe or should you sell it? -How do you pay your bills if you’ve just been laid off? Suze Orman's 2009 Action Plan delivers honest, straightforward guidance - What to do, when to do it, and how to do it. CONTENTS 1 2009: The New Reality 1 2 A Brief History of How We Got Here 8 3 Action Plan: Credit 21 ■ Falling credit lines ■ Rising interest rates ■ FICO scores under pressure ■ Repayment plan ■ Debt consolidation ■ Borrowing from 401(k) ■ Borrowing from home equity line of credit ■ Bankruptcy ■ Collection agencies 4 Action Plan: Retirement Investing 45 ■ The case for stocks ■ Allocation strategies ■ 401(k) loan/early withdrawal ■ IRA rollover ■ Retiree income strategy ■ Roth IRA conversion 5 Action Plan: Saving 84 ■ FDIC insurance ■ Money market deposits ■ Eight-month emergency fund ■ Credit squeeze 6 Action Plan: Spending 101 ■ Expense/income worksheet ■ Finding ways to save ■ Needs vs. wants ■ Insurance saving tips ■ Car loans ■ Diffi cult choices ■ A challenge from Suze for 2009 7 Action Plan: Real Estate 126 ■ Mortgage-modifi cation options ■ Short sales ■ Foreclosure ■ Home equity line of credit ■ Home values ■ First-time-buying tips ■ Pre-retirement strategy ■ Vacation homes 8 Action Plan: Paying for College 160 ■ 529 allocation strategy ■ What you can afford ■ Federal loan strategy ■ Stafford student loans ■ PLUS parent loans ■ HELOC loans/401(k) loans ■ Private student loans ■ Repayment ■ Consolidation 9 Action Plan: Protecting Your Family and Yourself 185 ■ Job-loss strategies ■ Hope for the best, prepare for the worst ■ Health insurance ■ Life insurance 10 The Road Ahead 207

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