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Financial Planning For Your First Job: A Comprehensive Financial Planning Guide (5th Edition) Paperback – October 4, 2013

4.3 out of 5 stars 15 customer reviews

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Editorial Reviews

Review

"Every young adult should readthis book. Financial Planning For Your First Job teaches you the rightway to invest, deal with insurance, manage debt, and survive hardtimes." - Cara Newman, Editor, Young Money Magazine

About the Author

Matthew Brandeburg is a Certified Financial Planner in Columbus, Ohio. Matthew is the author of the books "Financial Planning For Your First Job", "Your Guide to the CFP Certification Exam", "CFP Certification Exam Practice Question Workbook", "CFP Certification Exam Flashcard Review Books", "Professional Golf Management (PGM) Practice Question Workbook", and "Professional Golf Management (PGM) Interactive Flashcard Book". In addition, Matthew teaches the class "Financial Planning in your 20s and 30s" at Ohio State University.
 
Burke Badenhop is a Major League Baseball pitcher for the Cincinnati Reds and co-author of the book "Financial Planning For Your First Job" where he draws from his business background at Bowling Green State, as well as his early playing days in professional baseball.
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Product Details

  • Paperback: 141 pages
  • Publisher: Coventry House Publishing (October 4, 2013)
  • Language: English
  • ISBN-10: 0615887155
  • ISBN-13: 978-0615887159
  • Product Dimensions: 5.2 x 0.3 x 8 inches
  • Shipping Weight: 6.4 ounces
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (15 customer reviews)
  • Amazon Best Sellers Rank: #3,538,967 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

Format: Paperback Verified Purchase
Just graduated college with a business degree, thought this book would help me with personal finance since most of my Finance classes helped prepare me for a career in corporate finance and neglected to address personal finance.

The material in the book was VERY basic. Most of the material could easily be found for free by googling the topics. The description will tempt you with many interesting topics and then fail to elaborate in depth on any of the topics.

Do not buy this book unless you are completely clueless on personal finance and need a book to introduce you to the elementary terms and definitions.
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By Greg on December 8, 2009
Format: Paperback Verified Purchase
This was a great read for someone getting started in the financial planning career. It has good information that will prepare you before your most important decisions. It is a great reference point for anyone interested in such a career and even those who have already began in the industry. Mr. Brandeburg shares his knowledge and experience and explains in a manner that is easy to follow and really motivates the reader. With out a doubt, I'm glad I read this book.
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Format: Kindle Edition Verified Purchase
Here is the best advice I got from "Financial Planning For Your First Job"
-Always pay off your highest interest debt first (but don't miss minimum payments of course)
-The less money you have, the longer term of a plan you have to have, and the more in depth your plan has to be
-Use credit cards sparingly, especially when you have little money. You should always have a cash reserve in your checking account or savings account (or CDs) for things that might break that are vital.
-You don't have to cut out everything that is not necessary for existence. Just spend in moderation.
-You should start investing for your retirement even if you have debt (this also means put money in a savings account). "If we all waited until we were debt from to start saving for retirement, none of us would be able to retire."
-Once you are debt free you can increase your living standards a bit, but save more more retirement and put more in your emergency fund, aka cash reserve
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Format: Paperback
The information that i found useful is summarized below. A few key takeaways I got from "First Job" are there is a lot of benefit to starting to plan for retirement when you're young.

The first point made in the book is that you shouldn't invest in individuals stocks unless you have a lot of time to devote to it. Use mutual funds instead. If you insist on buying stocks, then focus on the sector, then the stock, and finally the amount. Top down investing.

There's a section on how to ladder cash flows by buying CDs and bonds to set up your first cash reserve and save for short term goals. You can start with as little as $100 and it uses the "out of sight, out of mind" philosophy. If you don't have the cash in your purse or wallet you'll be less included to use it. Tying up your money in a CD is a good way to force savings.

Don't buy company stock. The only exception is if there's a huge discount in the purchase price. If your company goes bankrupt you could be out of a job and out of investments.

The retirement section was basically common sense. Max out retirement plans through work and take advantage of company match. If your company doesn't offer a 401k then set up a Roth IRA.

That's what I took away from the book. I would recommend it if you have only a very basic understanding of personal finance. It's more for a high school audience or a college aged person. I can see the value in a book like this and would recommend it to others but at the same time it's already been done to death by people like Dave Ramsey and Suze Orman.
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Format: Paperback
I have used older versions of this book in my high school personal finance class with good success. I just got this new updated version and it hits the nail on the head. The students are able to follow the material and there are worthwhile activities included throughout the book. IRS numbers and tax/retirement figures are updated for 2013-2014. Easy to read and understand, I recommend this book to others.
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Format: Paperback Verified Purchase
I was unaware of the saver's credit found in chapter 22. I also found the health insurance section helpful as far as deciding what your deductible should be. I liked the overall content and that it was concise. A light read that packs a punch.
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Format: Paperback Verified Purchase
Simple, well explained investment strategies make this book a worthwhile reference guide for young investors. Both macro and micro-economic factors are explained in detail so the reader gains a sense of how to assemble a balanced investment portfolio. A good portion of the book focuses on investing, both in bull and bear markets. It has something to offer for everone - from novice investors to more seasoned pros.
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Format: Paperback Verified Purchase
I have used this book in my high school personal finance class with good success. The students are able to easily follow the material and there are worthwhile activities included throughout the book. Easy to read and understand, I recommend this book to others.
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