Money, Investments, Banking, Credit and Personal Finance, from Life in the USA: The Complete Guide for Immigrants and Americans

Life in the USA
Personal Finance in America

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Full Chapter Outline:
What The Money Looks Like

The Banking System
---Banks
---Types of Bank Accounts
---Endorsements and Check Clearing
---Automatic Teller Machines
---Internet Banking
---Investment Accounts

Check Cashing Stores

Credit
---Makes Life Much Easier
---How to Start Getting Credit
---Credit Reporting Bureaus
---Credit Cards
---Getting a Loan
---Payday Loans

What Types of FHA Loans Are Available

Insurance
---Insurance Companies
---Life Insurance
---Health Insurance
---Disability Insurance
---Liability Insurance

Investments
---Many Ways to Invest
---Investment Firms and Brokers
---On Line Trading
---Investment Advisors
---Securities Markets
---Mutual Funds
---Other Investment Vehicles
---Retirement Accounts
---Commodities and Futures
---Tangible Investments

Real Estate as Investment

Personal Taxes
---Paying for Government
---Income Taxes
---Withholding
---Tax Returns
---The W4 Form
---Tax Forms
---Tax Avoidance and Evasion
---Sales Taxes
---Property Taxes
---Estate and Gift Taxes

Introduction
The United States has a sophisticated system for safeguarding, transferring and managing money. Economic matters are a separate issue. The housing and mortgage bubble that surfaced in 2008 hit banks and financial institutions hard. This led to a liquidity crisis, immense government bailouts, and a decline in confidence in the system.

While the federal government prints the currency and mints the coins, most of the financial institutions you will deal with as a consumer will be entirely private: banks, savings institutions, insurance companies, credit card companies and investment brokers. The major exception, of course, comes in the realm of taxes, both federal and state.

These sections on personal finance in the United States divide into five key areas: banking, credit, insurance, investments, and taxes.

Next Section: What American Money Looks Like

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