Like most Americans, you will spend hundreds, if not thousands, of dollars this year on insurance premiums, perhaps unsure of exactly what coverages you are paying for. If you would like to save money and gain insight into the insurance industry, look no further than this informative book. Financial expert David Scott unravels the complexities of the insurance world and will help you get the most out of your insurance dollars. Written in simple, everyday language, this book will prove to be invaluable in understanding your insurance needs. In seven detailed chapters you will learn the importance of disability income insurance, how insurance fits into a personal-risk-management plan, when to cancel certain coverages, factors to consider when selecting a company and an agent, the best way to determine deductible amounts, and how to save money on health, property, automobile, liability and life insurance. Also included is a glossary that defines terms associated with insurance - terms that often intimidate but that really represent simple concepts.

This revised title in the Money Smarts TM series studies the advantages and pitfalls of investing in bonds. Often more volatile than equity stocks, bond trading is thoroughly explained in easy-to-understand terms by a recognized financial expert.You will find basic information on all types of bonds, from high-grade corporate to municipal, from government to junk. There is a precise definition and explanation of every bond, including a discussion of its relative risk potential.

If you are looking for a solid investment option that, over time, will give you higher returns than savings accounts, certificates of deposit, and money market funds, look no further than this informative book. Financial expert David Scott does not offer a get-rich-quick scheme or risk-free investment options. Instead he clearly presents valuable information and realistic advice that will allow you to make informed decisions about investing in the stock market.