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INDEX

cognitive disorders, long-term care insurance and, 239–240 college savings, 38, 153–167 choosing the best option for, 163–167, 164, 166–167 cost of education and, 163–167, 164–167 Education IRAs in, 156–158 HOPE program and, 157 investing under child’s name in, 154, 155–156, 156 investing under investor’s name in, 154–155 Lifetime Learning credits program and, 157 Section 529 plans for, 159–163 taxes and, 153–154 U.S. savings bonds and, 158–159 Uniform Transfers/Gifts to Minors Account (UTMA/UTGA) in, 155–156, 156 commercial paper, 128 common stock, 53–64 comparison shopping, 47–48 compound interest, in retirement planning, 284–285 contingent deferred sales charge (CDSC), in mutual funds, 76 continuous-premium whole life insurance, 204–205 contribution limits on IRAs, 306–307, 306 control of portfolio, 8–9 convertibility provisions, in term life insurance, 202 convertible bonds, 123–124 corporate bonds, 108, 110–111 mutual funds, 83 corporations, 189, 191–193 cost of living adjustment (COLA), in disability insurance, 227 coupon rate for bonds, 108 credit cards, 45–47 credit life insurance, 213 current yield bonds and, 123–124 stocks, 63–64 cyclical stocks, 56

Datek, 137 day trading, 133, 136–139 debentures, 110–111 debit cards, 46 debt, 46 decreasing term life insurance, 201–202 deep-discount bonds, 108 default risk in bonds and, 109 defensive stocks, 56

345

deferred annuities, 95–96 defined benefit vs. defined contribution retirement plans, 293–294 diluted earnings per share, 62 dilutive potential common shares, 62 directly owned assets, pros and cons of, 28–29 disability insurance, 217–229 cost of living adjustment (COLA) and, 227 disability defined for, 219–220 elimination periods for, 218 employer-provided, 222–224 guaranteed insurability option in, 227 importance of, 240–243 need for, 226–227, 228 self-provided, 224–226 Social Security and, 220–222 waiver of premium option in, 227 discount bonds, 121–122 discretionary income and budgeting, 39–41, 40 diversification, 22–23, 23, 25–28, 32, 33, 34–35 dividend rate for stocks, 63 dividend reinvestment programs (DRPs), 56, 59–50 dividends dividend reinvestment programs (DRPs) and, 56, 59–60 preferred stock and, 59 stocks, 55, 56 dollar-cost averaging (DCA), 143–145, 145, 146 Dow Jones Industrial Average (DJIA), 54, 58–59, 58, 67 Dow Jones Market Monitor, 67, 91 duration of bonds, 109

earnings per share (EPS), 61–62 E*Trade, 137 Economist, The, 67 education (See college savings) Education IRAs, 156–158 elimination periods in disability insurance, 218 emotions of investing, 10–12 Employee Retirement Income Security Act of

1974 (ERISA), 292–293 employer-provided disability insurance and,

222–224 employer-sponsored retirement plans, 290–300 enrollment, Medicare and, 270–274 Enron, profit-sharing plans and, 295–296 equipment and/or service trust, 194 equity in mutual funds, 79–81 equity indexed annuities (EIA), 99–101 equity REIT, 130

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