Build up your money muscles with America’s favorite finance coach.
Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition.
By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:Design a sure-fire plan for paying off all debt—meaning cars, houses, everythingRecognize the 10 most dangerous money myths (these will kill you)Secure a big, fat nest egg for emergencies and retirement!
Includes new, expanded “Dave Rants” sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.
This deluxe edition of this classic work, includes a 21st century study guide filled with practices and exercises that will help you be all that you are capable of, as you fill your conscious and subconscious mind, heart, and soul, with positive energy and life-enhancing ideas. Start your journey of self-discovery and be on your way to accumulating all of the riches that you desire.
Learn how to acquire money, keep it, and put it to work to make even more money.
It's one of the bestselling financial books of all time, having sold millions of copies, and now you can put it to work for you!
Tony Robbins is one of the most revered writers and thinkers of our time. People from all over the world—from the disadvantaged to the well-heeled, from twenty-somethings to retirees—credit him for giving them the inspiration and the tools for transforming their lives. From diet and fitness, to business and leadership, to relationships and self-respect, Tony Robbins’s books have changed people in profound and lasting ways. Now, for the first time, he has assembled an invaluable “distillation of just about every good personal finance idea of the last forty years” (The New York Times).
Based on extensive research and interviews with some of the most legendary investors at work today (John Bogle, Warren Buffett, Paul Tudor Jones, Ray Dalio, Carl Icahn, and many others), Tony Robbins has created a 7-step blueprint for securing financial freedom. With advice about taking control of your financial decisions, to setting up a savings and investing plan, to destroying myths about what it takes to save and invest, to setting up a “lifetime income plan,” the book brims with advice and practices for making the financial game not only winnable—but providing financial freedom for the rest of your life. “Put MONEY on your short list of new books to read…It’s that good” (Marketwatch.com).
By making smart personal finance choices now, you can build a solid foundation for your family and your future. Personal Finance Simplified will show you, step by step, how to understand your personal finance needs, plan for your future, and create a budget that will bring you security and peace of mind. With helpful tips for saving money in the short term and long term, and straight talk on how to manage your debt, savings, investments, and major purchases, Personal Finance Simplified can help you at every stage of your life, from graduating college, to changing careers, to growing your family, to retirement.
Personal Finance Simplified will introduce you to the fundamentals of managing money, with:
• Easy guide to creating a personal budget
• 10 simple ways to reduce your spending
• 5 stages of getting out of debt
• 3 questions to help you get real about your personal finance options
• Tips on banking, buying a home, and filing taxes from the editors of Personal Finance Simplified
Personal Finance Simplified will help you take control of your cash flow once and for all.
Sethi covers how to save time by not wasting it managing money; the guns and cars myth of credit cards; how to negotiate like an Indian--the conversation begins with "no"; why "Budgeting Doesn't Have to Suck!"; how to get things rolling--for real--with only $20; what most people don't understand about taxes; how to get a CEO to take you out to lunch; how to avoid the Super Mario Brothers trap by making your savings work harder than you do; the difference between cheap and frugal; the hidden relationship between money and food. Not to mention his first key lesson: Getting started is more important than being the smartest person in the room. Integrated with his website, where readers can use interactive charts, follow up on the latest information, and join the community, it is a hip blueprint to building wealth and financial security.
Every month, 175,000 unique visitors come to Ramit Sethi's website, Iwillteachyoutoberich.com, to discover the path to financial freedom. They praise him thoughtfully ("Your site summarizes everything I want with my life--to be rich in finances, rich in experience, rich in family blessings," Dan Esparza) and effusively ("Dude, you rock. I love this site!" Richard Wu). The press has caught on, too: "Ramit Sethi is a rising star in the world of personal finance writing . . . one singularly attuned to the sensibilities of his generation. his style is part frat boy and part silicon Valley geek, with a little bit of San Francisco hipster thrown in" (San Francisco Chronicle). His writing is smart, his voice is full of attitude, and his ideas are uncommonly sound and refreshingly hype-free.
Questions and answers deal with 100+ of the most-asked questions from The Dave Ramsey Show—everything from budget planning to retirement planning or personal buying matters, to saving for college and charitable giving. This is Dave in his most popular format—ask a specific question, get a specific answer.
Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or investments?
The shocking answer is: None of the above!
In his groundbreaking Secrets of the Millionaire Mind, T. Harv Eker states: "Give me five minutes, and I can predict your financial future for the rest of your life!" Eker does this by identifying your "money and success blueprint." We all have a personal money blueprint ingrained in our subconscious minds, and it is this blueprint, more than anything, that will determine our financial lives. You can know everything about marketing, sales, negotiations, stocks, real estate, and the world of finance, but if your money blueprint is not set for a high level of success, you will never have a lot of money—and if somehow you do, you will most likely lose it! The good news is that now you can actually reset your money blueprint to create natural and automatic success.
Secrets of the Millionaire Mind is two books in one. Part I explains how your money blueprint works. Through Eker's rare combination of street smarts, humor, and heart, you will learn how your childhood influences have shaped your financial destiny. You will also learn how to identify your own money blueprint and "revise" it to not only create success but, more important, to keep and continually grow it.
In Part II you will be introduced to seventeen "Wealth Files," which describe exactly how rich people think and act differently than most poor and middle-class people. Each Wealth File includes action steps for you to practice in the real world in order to dramatically increase your income and accumulate wealth.
If you are not doing as well financially as you would like, you will have to change your money blueprint. Unfortunately your current money blueprint will tend to stay with you for the rest of your life, unless you identify and revise it, and that's exactly what you will do with the help of this extraordinary book. According to T. Harv Eker, it's simple. If you think like rich people think and do what rich people do, chances are you'll get rich too!
This complete summary of the ideas from Robert Kiyosaki and Sharon Lechter's book "Rich Dad, Poor Dad" shows that what is in your head ultimately determines what is in your hands: if you want to improve your circumstances, you need to change the way you think. This summary highlights the importance of educating yourself and developing financial intelligence by spending time with successful people, reading books, and attending seminars. All in all, this summary shows that your life will be more rewarding and more fulfilling if you just take the time to learn and think about where you’re heading.
Added-Value of this summary:
• Save time
• Understand the key concepts
• Expand your business knowledge
To learn more, read "Rich Dad, Poor Dad" and discover that the path to financial wealth does not lie in playing it safe. It’s far more important to play it smart.
In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:how to get out of debt and stay outthe KISS rule of investing—"Keep It Simple, Stupid"how to use the principle of contentment to guide financial decision makinghow the flow of money can revolutionize relationships
With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can:Set up an emergency fund (believe me, you're going to need it) Pay off your home mortgage?it is possible. Prepare for college funding (your kids will love you for it) Maximize your retirement investing so you can live your golden years in financial peace Build wealth like crazy!
With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It's a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.
All forms of investment share a common purpose: to provide for a better future. Stock market investing is one of the best tools you can use to build a more secure financial foundation for you and your family. However, for those of us who aren’t professional stockbrokers, the process of stock market investing can seem complex and bewildering. Stock Market Investing for Beginners will arm you with the information you need to understand the basics of stock market investing, and start taking control of your financial future. Stock Marketing Investing for Beginners will take the frustration and intimidation out of stock market investing, so that you can make the investments that are right for your financial goals.
Stock Market Investing for Beginners gives you the tools to start investing wisely and successfully, with:
• Straightforward explanation of the fundamentals of stock market investing
• 10 key stock marketing investing questions answered
• 5 strategies for picking winners
• Useful advice on buying, selling, owning, and diversifying
• Invaluable tips on building your financial portfolio through stock marketing investing
The sooner you start investing, the better off you will be. Stock Market Investing for Beginners will show you how to make a small investment now, for a better tomorrow.
The Financial Peace Planner may be the most valuable purchase you ever make. Dave Ramey's practical regimen, based on his own personal experience with debt, offers hard-won advice and much needed hope to people who find themselves in serious debt and desperate for a way out. This book comes in a workbook format, allowing you to frequently monitor your progress and, most importantly, to face your situation honestly. Loaded with inspirational insights that come from personal experience, this set of books will be life changing for any debt-ridden readers.
You'll find help on how to:
• Assess the urgency of your situation
• Understand where your money's going
• Create a realistic budget
• Dump your debt
• Clean up your credit rating
From the Trade Paperback edition.
Without a proper financial education, many are headed for trouble. Failure can be the best teacher, but why learn the hard way? When provided with the resources to make the right decisions with their money, many young adults quickly learn how to walk the steps toward financial security. This eBook is a financial “cheat sheet”—a collection of the 100 most important money tips, written by Forbes’ top personal finance writers, who have learned invaluable lessons from their own financial blunders. You’ll read about everything from banking, student loans, IRAs and 401(k)s to mutual funds and buying a home.
If you feel you aren’t saving enough for retirement or just want to make sure you’re on the right track, read this eBook and take steps toward improving your financial IQ.
The Money Book for the Young, Fabulous & Broke is financial expert Suze Orman's answer to a generation's cry for help. They're called "Generation Debt" and "Generation Broke" by the media — people in their twenties and thirties who graduate college with a mountain of student loan debt and are stuck with one of the weakest job markets in recent history. The goals of their parents' generation — buy a house, support a family, send kids to college, retire in style — seem absurdly, depressingly out of reach. They live off their credit cards, may or may not have health insurance, and come up so far short at the end of the month that the idea of saving money is a joke. This generation has it tough, without a doubt, but they're also painfully aware of the urgent need to take matters into their own hands.
The Money Book was written to address the specific financial reality that faces young people today and offers a set of real, not impossible solutions to the problems at hand and the problems ahead. Concisely, pragmatically, and without a whiff of condescension, Suze Orman tells her young, fabulous & broke readers precisely what actions to take and why. Throughout these pages, there are icons that direct readers to a special YF&B domain on Suze's website that offers more specialized information, forms, and interactive tools that further customize the information in the book. Her advice at times bucks conventional wisdom (did she just say use your credit card?) and may even seem counter-intuitive (pay into a retirement fund even though your credit card debt is killing you?), but it's her honesty, understanding, and uncanny ability to anticipate the needs of her readers that has made her the most trusted financial expert of her day.
Over the course of ten chapters that can be consulted methodically, step-by-step or on a strictly need-to-know basis, Suze takes the reader past broke to a secure place where they'll never have to worry about revisiting broke again. And she begins the journey with a bit of overwhelmingly good news (yes, there really is good news): Young people have the greatest asset of all on their side — time.
Napoleon Hill's thirteen step programme will set you on the path to wealth and success. Think and Grow Rich reveals the money-making secrets of hundreds of America's most affluent people. By thinking like them, you can become like them. This powerful 1937 classic, with analysis from self-development authority Tom Butler-Bowdon, will continue to be read through the decades of economic boom and bust, proving that the magic formula for making money never changes.
Suze Orman investigates the complicated, dysfunctional relationship women have with money in this groundbreaking new book. With her signature mix of insight, compassion, and soul-deep recognition, she equips women with the financial knowledge and emotional awareness to overcome the blocks that have kept them from making more out of the money they make. At the center of the book is The Save Yourself Plan—a streamlined, five-month program that delivers genuine long-term financial security. But what’s at stake is far bigger than money itself: It’s about every woman’s sense of who she is and what she deserves, and why it all begins with the decision to save yourself.
Join the Movement to Save Yourself with this Unprecedented Offer to Readers of Women & Money:
Suze Orman believes that having an account of your own is the cornerstone of long-term financial security, and so she has begun a national movement called Save Yourself to turn this wish—that every woman have an account in her own name—into a reality. She is joined in this crusade by the financial brokerage firm TD Ameritrade, which has come up with an extraordinary offer for readers of WOMEN & MONEY. Follow Suze’s Save Yourself Plan and open an account in your name with TD Ameritrade. Commit to an automatic deposit of at least $50 per month for twelve consecutive months, and TD Ameritrade will provide the incentive in the form of a $100 deposit into your account in the thirteenth month. In other words, you save $600 or more over the course of a year, and TD Ameritrade will reward that effort with a $100 bonus. Learn more inside the book or at www.saveyourself.com.
Offer valid for one new TD AMERITRADE account (non-retirement) opened between 2/27/07 and 3/31/08, and funded by 12 monthly consecutive automatic electronic deposits of $50 or more. First $50 must be deposited within 30 days of opening account. To be eligible, you must be a U.S. resident aged 18 or older. See www.saveyourself.com for obligations and limitations and to accept this offer. This is not an offer or solicitation in any jurisdiction where TD AMERITRADE is not authorized to do business. Random House, Inc., does not endorse, is not associated with, and has no responsibility for the TD AMERITRADE offer. TD AMERITRADE, Random House, Inc., and Suze Orman are separate and not affiliated, and each of them is not responsible for the services and information provided by the other(s). TD AMERITRADE, Inc., member NASD/SIPC.
Before I became “Phil Town, teacher of investing principles to more than 500,000 people a year,” I was a lot like you: someone who viewed individual stock investing as way too hard to do successfully. As a guy who barely made a living as a river guide, I considered the whole process pretty impenetrable, and I was convinced that to do it right you had to make it a full-time job. Me, I was more interested in having full-time fun.
So I was tempted to do what you’re probably doing right now: letting some mutual fund manager worry about growing your nest egg. Let me tell you why that decision could one day make you absolutely miserable.
The fact is, because of natural market cycles, the mutual fund industry is likely to soon be facing twenty years of flat returns. That means that if you’ve got your nest egg tucked away in funds—especially the type found in most 401ks—your egg won’t get much bigger than it is now. Translation: Get ready for a retirement filled with lots of cold cuts, plenty of quality TV-watching time, and a place to live that’s too small to accommodate your visiting kids.
I came to investing as a person who wasn’t great at math, possessed zero extra cash, and wanted a life—not an extra three hours of work to do every day. Fortunately, I was introduced to The Rule.
Rule #1, as famed investor Warren Buffett will tell you, is don’t lose money. Through an intriguing process that I’ll clarify in this book, not losing money results in making more money than you ever imagined. What it comes down to is buying shares of companies only when the numbers—and the intangibles—are on your side. If that sounds too good to be true, it’s because the mind-set I’ll be introducing you to leads not to bets but to certainties. Believe me, if there were anything genius-level about this, I’d still be a river guide collecting unemployment much of the year.
Part of the secret is thinking of yourself as a business owner rather than a stock investor. Part is taking advantage of today’s new Internet tools, which drastically reduce the “homework factor.” (We’re talking a few minutes, tops.) Part is knowing the only five numbers that really count in valuing a potential investment. And part—maybe the most important part—is using the risk-free Rule #1 approach to consistently pay a mere 50 cents to buy a dollar’s worth of a business.
What I won’t waste your time with is fluff: a lot of vague parables reminding you of what you already know and leaving you exactly where you started. This is the real deal, folks: a start-to-finish, one-baby-step-at-a-time approach that will allow you to retire ten years sooner than you planned, with more creature comforts than you ever imagined.
In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this updated edition of the bestselling Your Money or Your Life is an essential read. Millennial Money's Grant explains: "The premise of it is that you exchange your time for money. And when you start thinking about how many hours of your life it took to save up the money to buy something, you really start thinking twice about your purchases."
In Your Money or Your Life, Vicki Robin shows readers how to gain control of their money and finally begin to make a life, rather than just make a living. With this book, you'll learn how to:
• Get out of debt and develop savings
• Save money through mindfulness and good habits, not strict budgeting
• Declutter your life and live well for less
• Invest your savings and begin creating wealth
• Save the planet while saving money
• And much more!
"The seminal guide to the new morality of personal money management." -Los Angeles Times
Bestselling author Randy Alcorn introduced readers to a revolution in material freedom and radical generosity with the release of the original The Treasure Principle in 2001. Now the revision to the compact, perennial bestseller includes a provocative new concluding chapter depicting God asking a believer questions about his stewardship over material resources.
Jesus spent more time talking about money and possessions than about heaven and hell combined. But too often we’ve overlooked or misunderstood his most profound teaching on this topic, from his words in Matthew 6. Jesus offers us life-changing investment advice. He actually wants us to store up treasures for ourselves—just not here on earth. Instead, he urges us to store our treasure in heaven, where they will await us, and last forever. We can’t take it with us—but we can send it on ahead!
Readers are moved from the realms of thoughtful Bible exposition into the highly personal arena of everyday life. Because when Jesus told His followers to “lay up for yourselves treasures in heaven,” He intended that they discover an astounding secret: how joyful giving brings God maximum glory and His children maximum pleasure. In The Treasure Principle, you’ll unearth a radical teaching of Jesus—a secret wrapped up in giving.
Once you discover this secret, life will never look the same. And you won’t want it to be.
“Supercharged with stunning, divine truth! Lightning struck over and over as I read it.”
- John Piper, Senior Pastor, Bethlehem Baptist Church, Minneapolis
The fact that KISS is one of the most successful rock bands in the world is no accident. From the beginning Gene Simmons and Paul Stanley had a clear-cut vision of what they wanted to do and how they wanted to operate KISS as a business well before they ever first took the stage. Since deciding with Paul to manage the band themselves, Simmons has proved himself to be a formidable businessman, having sold over 100 million CDs and DVDs worldwide, overseen over 3,000 licensed merchandise items, and starred in the longest running celebrity reality show to date. More impressive is that he handles all of his business ventures on his own—no personal assistant, few handlers, and as little red tape as possible.
In Me, Inc., Simmons shares a lifetime of field-tested and hard-won business advice that will provide readers with the tools needed to build a solid business strategy, harness the countless tools available in the digital age, network like hell, and be the architect for the business entity that is you. Inspired by The Art of War, the book dispenses Simmons’ in-depth insights via thirteen specific principles for success based on his own experience, triumphs, and instructional failures in business—from finding the confidence within yourself that’s necessary to get started, to surrounding yourself with the right people to partner with and learn from, to knowing when to pull the plug and when to double-down. These thirteen principles are a skeleton key into a world of success, freedom, peace of mind and, most importantly, financial success.
Bitcoin for Beginners
Bitcoin has taken the world by storm. The reasons are obvious.
With the value of Bitcoins increasing by 1,000% in less than a year, Bitcoins have been a lucrative investment for many.
Bitcoins can offer privacy to individuals that their own currencies do not offer.
Bitcoins offer safety from the inflation caused by the widespread money printing going on throughout the world.
Bitcoins are an international currency and are free of countries and borders
In Bitcoin for Beginners - How to Buy Bitcoins, Sell Bitcoins, and Invest in Bitcoins you will learn about:
What Bitcoins are
The history of Bitcoins
How Bitcoins work
How Bitcoin mining works
How to use Bitcoins
The Benefits of Bitcoin
Using Bitcoin as a currency
Investing in Bitcoins
And much more
Many avoid Bitcoins because they seem too complicated. Bitcoin for Beginners is an easy to understand, plain English guide that is free of complicated and confusing technical jargon. You will learn all about Bitcoins in a simple, straight forward way that is easy to understand.
It’s time to throw away all your old notions of what financial advice should look like. Because if you’re looking for a book to put you on an austerity savings plan that has you giving up vacations and lattes, you’re out of luck. But if you’re looking to get your finances in rock-hard shape--in less time than it takes to finish a workout--then Alexa von Tobel, Founder and CEO of LearnVest, has your back.
How? Through the LearnVest Program. First, you’ll take stock of where you stand today. Then, you’ll create your customized 50/20/30 plan. 50/20/30 simply refers to the percentage breakdown of how to spend your take-home pay each month. The 50 gets the essentials out of the way so you don't have to stress about them. The 20 sets your foundation for the future, then the 30 is left to spend on the things that bring happiness to your life.
By the time you’re finished reading this book, you’ll walk away with a financial game plan tailored to your priorities, your hopes and dreams, and your lifestyle. And, because von Tobel and the team at LearnVest are experts at financial planning in the online era, you’ll also learn how to integrate your financial plan into your mobile, social, digital life. Like your own personal financial planner between two covers, this book will set you up for a secure, worry-free money future, without having to give up things you love.
So toss those old-school financial guides out the window, and get ready to start living your richest life.
Approximately 35 percent of African Americans had no measurable assets in 2009, and 24 percent of these same households had only a motor vehicle. Dennis Kimbro, observing how the weight of the continuing housing and credit crises disproportionately impacts the African-American community, takes a sharp look at a carefully cultivated group of individuals who've scaled the heights of success and how others can emulate them. Based on a seven year study of 1,000 of the wealthiest African Americans, The Wealth Choice offers a trove of sound and surprising advice about climbing the economic ladder, even when the odds seem stacked against you. Readers will learn about how business leaders, entrepreneurs, and celebrities like Bob Johnson, Spike Lee, L. A. Reid, Herman Cain, T. D. Jakes and Tyrese Gibson found their paths to wealth; what they did or didn't learn about money early on; what they had to sacrifice to get to the top; and the role of discipline in managing their success. Through these stories, which include men and women at every stage of life and in every industry, Dennis Kimbro shows readers how to:
· Develop a wealth-generating mindset and habits
· Commit to lifelong learning
· Craft goals that match your passion
· Make short-term sacrifices for long-term gain
· Take calculated risks when opportunity presents itself
Get What’s Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia’s Kotlikoff, the popular press’s Moeller, and public television’s Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don’t know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.)
Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions.
Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What’s Yours.
Get What’s Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you’re a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more.
There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security’s full retirement age of 66 every day. For all these people—and for their families and friends—Get What’s Yours has proven to be an invaluable, and therefore indispensable, tool.
• How to create a budget that fits your income and creates wealth
• What finances and romance have to do with one another
• What role values play in your financial life
• How to retire wealthy in every way
• And much, much more
Resonating with Ramsey's down-home, folksy voice, heartwarming case histories, inspiring insights, quotations from the Bible, and exercises, quizzes, and worksheets, More Than Enough provides an inspiring wealth-building guide and a life-changing blueprint for a vital family dynamic.
—Bob Clark, Editor-in-Chief, Dow Jones Investment Advisor
Ric Edelman, America’s most successful financial advisor, has revised and updated his classic personal finance bestseller to reflect the new global economic outlook. In his 4th edition of The Truth About Money, Edelman tells you everything you need to know about money—an essential, yet delightfully breezy and accessible, must-read manual for anyone who may have previously sought the financial wisdom of Suze Orman and Jean Chatzky. The Truth About Money is an indispensible guide to money matters from the man whom Barrons named the #1 independent financial advisor in the country.
figure out how much you’ve actually been spending
• calculate how much you owe—and what it’s costing you
• build a budget that works
• maximize your debt repayments so you can be free of consumer debt in 3 years or less
• prepare for a rainy day so it doesn’t mean a major setback
• set goals for your new, debt-free life.
Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.
So you feel like you’ve started late?
You are not alone.
What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck?
What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings?
See? You’re really not alone.
Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how.
You can start late and finish rich—but you need a plan.
This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it.
I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach.
Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start.
Is it too late for me to get rich?
Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?”
There IS hope, and help is here at last!
In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges.
Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it.
The Start Late, Finish Rich promise is bold and clear:
Even if you are buried in debt – there is still hope.
You can get rich in real estate – by starting small.
Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had.
You can start a business on the side – while you keep your old job and continue earning a paycheck.
You can spend less, save more and make more – and it doesn’t have to hurt.
David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.
Patrice Washington rationalized her excessive spending. “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business.
Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single.
Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you’re just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice’s practical advice, you’ll learn to form “wealthy” habits, establish an “opportunity fund,” stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.
In The 21-Day Financial Fast, award-winning writer and The Washington Post columnist Michelle Singletary proposes a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle’s guidance during this three-week financial fast, you will discover how to:Break bad spending habitsPlot a course to become debt-free with the Debt Dash PlanAvoid the temptation of overspending for collegeLearn how to prepare elderly relatives and yourself for future long-term care expensesBe prepared for any contingency with a Life Happens FundStop worrying about money and find the priceless power of financial peace
As you discover practical ways to achieve financial freedom, you’ll experience what it truly means to live a life of financial peace and prosperity.
Thousands of individuals have participated in the fast and as a result have gotten out of debt and become better managers of their money and finances. The 21-Day Financial Fast is great for earners at any income-level or stage of life, whether you are living paycheck-to-paycheck or just trying to make smarter financial choices.
From struggling financially all the way up to building a successful worldwide ministry and enjoying financial freedom, author Gary Keesee shares his journey and his proven successful principles so you can control your finances.
You will learn the spiritual laws of God’s Kingdom and exactly how to apply each principle discussed. Also clearly and expertly explained is how to:Find lost money.Put a plan in place to be out of debt in less than 7 years (including your mortgage!).Save in every area of life.See that the financial laws of the Kingdom can intersect with the natural realm to bring you freedom from worry and fear.From pitfalls to avoid to proactive steps to take, the path to financial freedom is clearly illuminated.
Fixing the Money Thing is not a book of boring numbers and budgets—it is an inspirational book that will change your life in many positive and lucrative ways.
You will learn:
• How to lay out and achieve 1-, 3-, 5-, and 10-year goals
• What to spend and what to save—and why
• How to budget like a pro
• The truth about credit cards, 401(k)s, buying a house
. . . and more!
Rich Bitch rehabs whatever bad money habits you might have and provides a plan you can not only sustain, but also thrive on. You won’t feel deprived but rather inspired to go after the rich life you deserve, and confident enough to call yourself a rich bitch.
Get expert guidance on how to track expenditures, reduce spending, get out of debt, invest wisely, save for college and other events, and how to survive the unexpected! In no time at all, you will gain valuable financial know-how and find out how to start investing!
Find out:Ways to weigh expected investment returns and risksHow to determine your investment goalsAdvice on how to plan for the futureThe best ways to reduce and eliminate debtHow to change credit card habits
With an insider's view of the mind of the master, Mary Buffett and David Clark have written a simple guide for reading financial statements from Warren Buffett's succccessful perspective.
Buffett and Clark clearly outline Warren Buffett's strategies in a way that will appeal to newcomers and seasoned Buffettologists alike. Inspired by the seminal work of Buffett's mentor, Benjamin Graham (The Interpretation of Financial Statements, 1937), this book presents Buffett's interpretation of financial statements with anecdotes and quotes from the master investor himself.
Potential investors will discover:
• Buffett's time-tested dos and don'ts for interpreting an income statement and balance sheet
• Why high research and development costs can kill a great business
• How much debt Buffett thinks a company can carry before it becomes too dangerous to touch
• The financial ratios and calculations that Buffett uses to identify the company with a durable competitive advantage -- which he believes makes for the winning long-term investment
• How Buffett uses financial statements to value a company
• What kinds of companies Warren stays away from no matter how cheap their selling price
Once readers complete and master Buffett's simple financial calculations and methods for interpreting a company's financial statement, they'll be well on their way to identifying which companies are going to be tomorrow's winners -- and which will be the losers they should avoid at all costs.
Destined to become a classic in the world of investment books, Warren Buffett and the Interpretation of Financial Statements is the perfect companion volume to The New Buffettology and The Tao of Warren Buffett.
Tired of phony promises about getting rich quickly? How about trying something different? How about going for lasting wealth—and doing it the cautious way? In Get Rich Carefully, Jim Cramer draws on his unparalleled knowledge of the stock market to help you navigate our recovering economy and make big money without taking big risks.
In plain English, Cramer lays it on the line. No-waffling, no on-the-one-hand-or-the-other hedging, just the straight stuff. He names names, highlights individual and sector plays, identifies the long-term investing themes—and explains how to develop the discipline you need to exploit them. An invaluable personal finance book, Get Rich Carefully is your guide to turning your savings into real, lasting wealth in a practical, highly readable, and entertaining way.
From the Trade Paperback edition.
Returned to print after many years of unavailability, here is the one-and-only trade edition of a treasury of wisdom. Think Your Way to Wealth captures Napoleon Hill's initial encounter with Andrew Carnegie, who revealed the money-attracting strategy that Hill later popularized in classic books like Think and Grow Rich and The Law of Success.
While working as a reporter for an inspirational magazine in 1908, Napoleon Hill chanced upon an opportunity that gave direction to his life. The young writer landed an interview with industrial giant Carnegie. Hill had just one key question for the magnate: What is the secret to your success? Carnegie's response electrified Hill and launched him on a lifelong mission to distill the steps to success into a clear, definite protocol that could be used by any motivated man or woman.
Think Your Way to Wealth is Hill's vivid account of that seminal meeting. It captures Carnegie's initial advice, how-to's, practical steps, and concrete directions-all of which formed the basis for Hill's groundbreaking books, and jump-started the field of business motivation.
Originally published in 1948, Think Your Way to Wealth has been out of print and unavailable for many years. This new Tarcher Success Classics edition reproduces the complete, original text just as Hill first presented it. The dialogue between Hill and Carnegie represents an invaluable, irreplaceable playbook of success strategies that can change the life of any reader, just as they changed Hill's life that day.
"Go to school, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich."
The mainstream financial gurus have sold you blindly down the river to a great financial gamble: You've been hoodwinked to believe that wealth can be created by recklessly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. This impotent financial gamble dubiously promises wealth in a wheelchair -- sacrifice your adult life for a financial plan that reaps dividends in the twilight of life.
Accept the Slowlane as your blueprint for wealth and your financial future will blow carelessly asunder on a sailboat of HOPE: HOPE you can find a job and keep it, HOPE the stock market doesn't tank, HOPE the economy rebounds, HOPE, HOPE, and HOPE. Do you really want HOPE to be the centerpiece for your family's financial plan?
Drive the Slowlane road and you will find your life deteriorate into a miserable exhibition about what you cannot do, versus what you can. For those who don't want a lifetime subscription to "settle-for-less" and a slight chance of elderly riches, there is an alternative; an expressway to extraordinary wealth that can burn a trail to financial independence faster than any road out there.
Why jobs, 401(k)s, mutual funds, and 40-years of mindless frugality will never make you rich young.
Why most entrepreneurs fail and how to immediately put the odds in your favor.
The real law of wealth: Leverage this and wealth has no choice but to be magnetized to you.
The leading cause of poorness: Change this and you change everything.
How the rich really get rich - and no, it has nothing to do with a paycheck or a 401K match.
Why the guru's grand deity - compound interest - is an impotent wealth accelerator.
Why the guru myth of "do what you love" will most likely keep you poor, not rich. And 250+ more poverty busting distinctions...
Demand the Fastlane, an alternative road-to-wealth; one that actually ignites dreams and creates millionaires young, not old. Change lanes and find your explosive wealth accelerator. Hit the Fastlane, crack the code to wealth, and find out how to live rich for a lifetime.
But what you may not know is that, quietly and steadily, the number of women making six figures or more is rapidly increasing. Currently, over fifteen million women make $100,000 or more, and the number continues to rise at a rate faster then for men. And these women come from every industry - psychologists, dot com founders, consultants, freelance writers, and even part-timers.
What makes these particular women able to do so well in the workplace? Fueled by curiosity, Barbara Stanny, author of Price Charming Isn't Coming: How Women Get Smart About Money (Viking Penguin), set out to research this phenomenon. What she discovered was that, though the high-earning women she interviewed came from different backgrounds and had had greatly different work experiences, they all had certain characteristics in common.
Secrets of Six Figure Woman: Surprising Strategies of the Successful High Earners will be a ground breaking book for high earners who want to ensure their wealth, enhance their success, and learn from others who are in the same boat. It will also offer inspiration, guidance, and motivation to those who aspire to make more.
Combining real-life recommendations with the motivation to overcome financial anxieties, Suze Orman offers the keys to providing for yourself and your family, including:
* seeing how your past holds the key to your financial future
* facing your fears and creating new truths
* trusting yourself more than you trust others
* being open to receiving all that you are meant to have
* understanding the lessons of the money cycle
The 9 Steps to Financial Freedom is useful advice and inspiration from the leading voice in personal finance. As Orman shows, managing money is far more than a matter of balancing your checkbook or picking the right investments. It's about redefining financial freedom -- and realizing that you are worth far more than your money.
If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all -- so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate -- get out of debt instead!
Discover how to
* Weigh the consequences of bankruptcy
* Manage your spending
* Find professional help you can trust
* Decide on the right type of bankruptcy
* Pass the means test
* Keep more of your stuff
Twenty-three-year-old Zac Bissonnette—the author of Debt-Free U—knows exactly what you’re going through. He demystifies the many traps young people fall victim to in their post-college years. He offers fresh insights on everything from job hunting to buying a car to saving for retirement that will give you a foundation for a secure, stable, and happy life. In the process, he reveals why FICO scores are overrated, online job applications are a waste of time, car loans are for suckers, and credit card rewards are a scam.
With detours to discuss wine connoisseurs, Really Broke Housewives, and Lenny Dykstra, Zac shows you how to make better choices today so you can be richer, smarter (and better-looking!) for years to come.
Number-one New York Times bestselling authors Richard and Linda Eyre, have spent the last twenty-five years helping parents nurture strong, healthy families. Now they've synthesized their vast experience in an essential blueprint to instilling children with a sense of ownership, responsibility, and self-sufficiency. At the heart of their plan is the "Family Economy" complete with a family bank, checkbooks for kids, and a system of initiative-building responsibilities that teaches kids to earn money for the things they want. The motivation carries over to ownership of their own decisions, values, and goals. Anecdotal, time-tested, and gently humorous, The Entitlement Trap challenges some of the sacred cows of parenting and replaces them with values that will save kids (and their parents) from a lifetime of dependence and disabling debt.
It's incredibly easy to start a money-making business right from the comfort of your own home. Millions of people just like you are enjoying the freedom—and extra income—of working for themselves. You can too. In 199 Great Home Businesses You Can Start (and Succeed In) for Under $1,000, home-based business guru Tyler Hicks shows you how to achieve your work-at-home dream.
Inside you'll learn the secrets to:
·Choosing the home-based business that's just right for you
·Getting started in your business with minimal cost
·Building your fortune doing what you love
·Running a business from home while keeping your day job
·Using the Internet to advertise and promote your home-based business
·And much more!
This invaluable book will help you begin your promising new life today as a successful home-based entrepreneur!
From the Trade Paperback edition.
In today’s troubling economic times, the quality of our retirement depends upon our own portfolio management. But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion.
By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.
From the Trade Paperback edition.
More than 40 percent of families today are feeling financial pressure: spending more than they earn, and worrying about retiring and being dependent on the government, family, or charity. Larry Winget knows. He grew up poor, then made and lost a fortune when a business in which he?d invested went bankrupt. But he worked his way back from rock bottom to become a multimillionaire.
In You?re Broke Because You Want to Be, Winget expands on the ideas that have made his popular television show Big Spender a hit and offers straightforward talk about coming to grips with your finances, such as:
· Feel bad. Have remorse. You need to feel deep emotion to take action. So start crying and take responsibility.
· Figure out who you owe and how much you owe. It?ll be a scary number to face, but you need to know where you are and what you have.
· ?People are stupid, lazy, or they don?t give a damn.? You already know you need to do something; Larry will help you finally do something.
· Are you more interested in looking cool and being cute or providing a financially secure future for your family? How you spend your money will tell you that. With a boot-camp regimen that is steeped in personal accountability, Winget cuts through the double-talk contained in most finance books and presents a simple, guided program that is sure to motivate anyone out of their money problems.
From the Trade Paperback edition.
This complete summary of the ideas from Robert Kiyosaki and Sharon Lechter's book "The Cashflow Quadrant" explains the four ways in which income can be generated: 1. You can get a job; 2. You can be self employed; 3. You can build and own a business system of some type; 4. You can invest in other businesses. In this summary, it is shown that to focus solely on the first two quadrants mentioned may have negative financial impacts. Explaining how gradually focusing on the third and fourth quadrants can improve your lifestyle, this summary will allow you to stay open to opportunities.
Added-value of this summary:
• Save time
• Understand key concepts
• Expand your business knowledge
To learn more, read "The Cashflow Quadrant" and you will see opportunities where others see difficulties.
The Coffeehouse Investor explains why we should stop thinking about top-rated stocks and mutual funds, shifts in interest rates, and predictions for the economy. Stop trying to beat the stock market average, which few “experts” ever do. Instead, just remember three simple principles: Don’t put all your eggs in one basket. There’s no such thing as a free lunch. And save for a rainy day.
By focusing more on your passions and creativity and less on the daily ups and downs, you will actually build more wealth—and improve the quality of your life at the same time.
Money mastery isn't really that hard. 7 Money Rules for Life® can help readers change their futures from uncertain to rock-solid with principles they can apply right away.