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开 本: 16开纸 张: 胶版纸包 装: 平装是否套装: 否国际标准书号ISBN: 9780307407078
A practical approach to affording your kids from cradle to
college.
Bringing home your bouncing baby boy or girl should be an
exciting time of celebration–not cause for worry about how you’re
going to pay for feeding, clothing, and caring for your new bundle
of expenses. The average family will spend between $11,000 and
$16,000 during a new baby’s first year, and more than $200,000
before a kid’s eighteenth birthday. Unfortunately, a second child
only doubles your costs, with little economy of scale for each
additional baby.
Before you start using these statistics as birth control, take a
deep breath and know that you can have a family and make a
comfortable future for your children while saving for your own
important goals. The Wall Street Journal Financial Guidebook for
New Parents shows you the way, with information on how to:
· Safeguard your child’s well-being with wills, trusts, and life
insurance
· Best weigh your child-care options and decide whether to go
back to work
· Save on taxes with child-friendly tax credits and deductions
plus tax-advantaged benefits at work
· Manage your family’s health-care costs
· Save for long-term costs by setting up a college fund
· Spend smart and save money at every stage of your child’s
development
· Continue to contribute to your own retirement savings
From maternity (and paternity) leave to flexible spending
accounts to 529 college plans, The Wall Street Journal Financial
Guidebook for New Parents provides all the information you need to
meet your child’s expenses while also protecting your family’s
financial security.
”Bradford, an associate editor at SmartMoney.com, presents a
relevant and witty overview of the awesome task facing new
parents—affording their kids. She covers all the major issues,
including child tax credits, the Family and Medical Leave Act of
1993, flexible spending accounts, and 529 plans; even wills,
trusts, and disability insurance are considered. Bradford writes
from a female perspective, and humor abounds: “Along with
hemorrhoids and hormonal mood swings, meager maternity benefits are
just one more harsh reality that no one warns pregnant women
about.” Considering the enormous and long-term expense of a new
bundle of joy, her money-saving tips are sure to be popular.
Bradford clearly grasps the mindset of new parents and keeps
information complete but concise; the chapters on health care and
college savings plans are so succinct that it would be nearly
impossible not to understand them. Only the chapter “Where Should
You Nest?” disappoints, as it is not broad enough to serve most
readers. VERDICT Bradford’s book offers a more comprehensive
framework than Steve and Annette Economides’s America’s Cheapest
Family Gets You Right on the Money. Here’s one work that all new
and prospective parents worried about finances should
consider.”
——Tracy Mohaidheen, M.L.I.S., West Bloomfield, MI
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