PART ONE MONEY-SMART WAYS TO THINK 1. The true value of money 2. The successes and mistakes of others 3. The secret to being successful 4. Needs vs. wants-what you need to know 5. Time is money 6. Resisting peer pressure 7. The price of being "in" and tulip mania 8. Voluntary simplicity and you 9. Frugality 10. Short- and long-term goals PART TWO MONEY-SMART WAYS TO LIVE DAY-TO-DAY 11. TV and your life 12. Notebook riches 13. Getting a handle on day-to-day spending 14. Ten ways to become an everyday money-smart spender 15. The art of asking questions 16. Cash register smarts 17. Some tips on tipping PART THREE MONEY-SMART WAYS TO SHOP 18. Doubling your money while shopping 19. Get real when you shop 20. Know why you're shopping 21. Shop with a budget 22. Avoid impulsive spending 23. Shopping is not like breathing 24. Four times not to shop 25. Eight steps to successful shopping 26. Shopping smart on the Internet 27. Warranties 28. How to protect yourself when returning purchases PART FOUR MONEY-SMART WAYS TO HANDLE DEBT AND CREDIT 29. Keeping good credit-what's in it for you? 30. The best credit card advice 31. What credit card interest really costs 32. Having the right number of credit cards 33. Selecting the right credit card 34. How to get out of credit card debt 35. Credit card statement smarts 36. Smart borrowing: the ABCs of APRs 37. Debit cards 38. Preventing identity theft PART FIVE MONEY-SMART WAYS TO GIVE 39. The right time to start giving to others 40. Getting from giving PART SIX MONEY-SMART IDEAS TO DISCUSS WITH YOUR PARENTS 41. Making money agreements with your parents 42. Making allowances for allowances 43. Money, work, grades and an incentive to save 44. Convincing parents you're different than your sibling(s) PART SEVEN MONEY-SMART WAYS TO PREPARE FOR COLLEGE 45. How much does it pay to go to college? 46. How to select the right college 47. Community colleges 48. Calculating a college-size nest egg 49. Right and wrong ways to save for college costs 50. Seven ways to reduce college costs 51. Tax-saving ideas and paying for college 52. Repaying college debt PART EIGHT MONEY-SMART WAYS TO DEAL WITH FINANCIAL INSTITUTIONS 53. Checking accounts 54. How to select a checking account 55. Balancing your checkbook 56. ATMs 57. Online banking 58. Savings accounts PART NINE MONEY-SMART WAYS TO HANDLE PAPERWORK 59. Starting to pay bills and file tax returns 60. A system for paying your personal bills 61. Storing your financial paperwork PART TEN MONEY-SMART WAYS TO MAKE YOUR MONEY GROW 62. Piggy bank riches 63. The payoff from one decision 64. The trick to saving money 65. Doubling your money: the Rule of 72 66. The power of compound growth 67. Diversification 68. What's risky about risk? 69. What inflation costs you 70. Getting the right profit on investments 71. Investing without using real money 72. Stocks, mutual funds and indexes 73. How to read the stock page 74. How to read the mutual fund page 75. Expenses and taxes 76. Savings bonds 77. The ABCs of IRAs 78. Income tax basics 79. Owning assets outside of IRAs 80. Other types of investments 81. An essential 10-step financial checklist PART ELEVEN MONEY-SMART WAYS TO WORK 82. The best job for you 83. Part-time work 84. Get it in writing 85. Checking out the retirement benefits 86. A few words about stock options 87. How to develop the saving habit 88. 401(k) plan tips 89. Preventing Social InSecurity 90. Becoming an entrepreneur PART TWELVE MONEY-SMART IDEAS FOR THE FUTURE 91. An apple a day and health insurance 92. Disability insurance 93. Life insurance 94. Naming life insurance & retirement plan beneficiaries 95. Buying a home 96. How to take years off your home payments 97. Wills and trusts 98. Simplify your life 99. Seven real-life money-smart skills APPENDIX Brain teasers Answers to brain teasers Internet sites of interest Books of interest INDEX