Clements - Jonathan Clements Money Guide 2015
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Jonathan
Clements
Money Guide
2015
Copyright Jonathan Clements 2014. All rights reserved.
This book, a product of Jonathan Clements LLC, contains the opinions and ideas of its author. It is sold with the understanding that the author is not engaged in rendering legal, financial or other professional services. If the reader requires expert assistance or legal advice, a competent professional should be consulted. While the author has endeavored to ensure that the text is timely and accurate, the author makes no representations or warranties with respect to the accuracy or completeness of the contents of this book. The author specifically disclaims any responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this book.
ISBN: 150246361X
ISBN-13: 978-1502463616
Praise for the Jonathan Clements Money Guide
A comprehensive financial guide ranging from navigating health insurance alternatives to forming sensible investment portfolios. Clements is a first-rate financial writer who is a genius at making sophisticated advice accessible to everyone and a delight to read.Burton G. Malkiel, author of A Random Walk Down Wall Street
Since the early 1990s, Jonathan Clementss columns taught his readers, profited them, and made them smile. Trouble was, you needed to have read all his Wall Street Journal articles. Until now, that is. His Money Guide wraps this bounty, and then some, into a tidy package, destined to be enjoyed and referred to over and over by readers for decades to come.William J. Bernstein, author of The Investors Manifesto
How do you get nearly 30 years of personal-finance wisdom and advice in an engaging, entertaining and easy-to-use format? Keep Jonathan Clementss Money Guide on your desk or tablet for instant answers to your essential money questions.Consuelo Mack, anchor, Consuelo Mack WealthTrack
Would you like to have a friend who knew a lot and would share the straight scoop with you on any investment topic at any time in clear language, with candor and a wry sense of humor? Well, here it is. What a break!Charles D. Ellis, author of What It Takes and Winning the Losers Game
As someone who has read just about every personal-finance book ever published, I can honestly say this is the best money manual ever writtenperiod! Jonathan Clementss Money Guide offers readers a host of brilliant insights on how to grow their money. Its required reading for anyone striving for financial independence.Allan Roth, author of How a Second Grader Beats Wall Street
For Lucinda
Contents
While much of this Money Guide reflects the knowledge and insights Ive collected during three decades of writing and thinking about money, it also covers a few topics I have never previously tackled. To fill in the gaps in my knowledge, I consulted innumerable sources and relied heavily on my tireless research assistant, who quickly responded to my every request without the slightest complaint. Google, Im forever in your debt.
I also had the help of some humans. William Bernstein, Allan Roth and Jason Zweig were all kind enough to review the manuscript and offer their suggestions. Laura Saunders gave me her thoughts on the tax chapter and Rachel Silverman Robinson took a look at the estate planning section. Prudence Crowther assumed the arduous task of copyediting the book, David Glaubke designed the cover and the books interior, Bill Blase helped with publicity and Samantha Steele redesigned my website, .
This book came together over the course of two hectic years, during which I left Citigroup to return to journalism, moved homes, got married and more. Along the way, nobody was more supportive than Lucinda, my lover, best friend and now wife. This book is for you.
Part I: IntroductionYour Journey Begins Here
What you have in front of you is, I believe, the first personal-finance guide written and designed to take full advantage of the e-book format. Instead of me leading you from the first chapter to the last, you can choose your own path through the pages that follow, depending on whats relevant and interesting to you.
As youll discover, while this book ostensibly has 14 parts, its actually divided into 367 sections, each typically 250 to 350 words. The sections are designed to fit onto one or two pages of your electronic gadget, though they may flow onto additional pages if you use a large text size or read on your phone.
From here, you might quickly peruse the first section, which is devoted to .
Be warned: This is not a get-rich-quick book. You wont find a forecast for stock and bond returns in 2015. You wont find me proclaiming that some single investmentreal estate, cash-value life insurance, goldwill answer all of your financial prayers. If thats what you are looking for, please ask for a refund.
In January 2016, Ill be back with a new edition of the Money Guide , which will include updated figures for the economy, markets and taxes. Wish this book had more details on a particular topic? Let me know at and Ill try to build out that portion for next years edition.
In the meantime, enjoy your journeyand I hope you find what youre looking for.
You could read this Money Guide the same way you read a traditional book, working studiously from the first page to the last. But Ive tried to design it so that, if you have a specific question, you can quickly zero in on the information you want.
The hyperlinks embedded in each section allow you to navigate in the same way you would navigate a website. To drill down on a topic, touch the screen or click on the highlighted words to get to the next section. When a related section is in another part of the book, I have made that clear, so youll know before you click and find yourself many pages away. You will also find links to useful websites, indicated by .com and similar suffixes, which you can access directly if you have an Internet-enabled device. In addition, Ive included a , akin to an index. Got a topic thats on your mind? See if you can find it listed there.
E-books have a big drawback: no page numbers. To help you figure out where you are, Ive numbered the books sections. This is section 1. At the end of Part XIII, youll find section 367.
Throughout, I have incorporated the latest numbers on the economy, markets and tax rates. I have also included statistics on how the typical American is faring financially, so you can see how you stack up against your neighbors. And at the start of almost every chapter, youll find a list of five steps to take in 2015.
Finally, I have strong views on financial issuesand I realize not everybody shares my opinions. When I want to emphasize particular points or I figure my views might raise a few eyebrows, I have inserted them in a paragraph or two labeled Jonathans take.
Remember the financial panic of 2008 and early 2009? Like 9/11 for terrorism and Nixons resignation for national politics, it was a watershed moment for the financial worldand were still working through the consequences.
- The unemployment rate, which hit a high of 10 percent in October 2009, was 5.8 percent in November 2014.
- Real economic growth shrank at a -2.1 percent annualized rate in 2014s first quarter, but then surged 4.6 percent in the second quarter and 3.9 percent in the third.
- The savings rate in 2014 was running around 5 percent of personal disposable income. Thats better than 2005s low of 2.5 percent, but the Great Recession clearly hasnt brought on the new era of frugality that many expected.
- Total borrowing by Americans, including mortgage debt, hit a peak of $12.7 trillion in the third quarter of 2008. By 2014s third quarter, it was down to $11.7 trillion as Americans paid off debt and defaulted on loans. Thats equal to $45,600 per household.
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