In a time of great financial uncertainty, this is the book everyone must read. The bottom line: Money is simple--people make it complicated. Now, bestselling personal finance author Jean Chatzky has distilled this simplicity into a smart, immediate, and entertaining set of rules that will change readers' financial lives.
Chatzky removes the stress associated with all things money and says it clearly: Readers who follow these basic yet crucial approaches to spending, saving, investing, increasing their income, and most importantly, protecting what they have, will build the wealth and financial stability they've been dreaming of. Chatzky's advice is reassuring, straightforward, and often counterintuitive, including:"Date your stocks; don't marry them."" 'More money' won't always make you 'more happy.'""To spend less, carry Benjamins, not Jacksons.""If you can't explain it, don't invest in it."" 'Free' can be very expensive."
Written in her trademark warm, witty voice, and with a special Dos and Don'ts section, this is the only book readers really need to achieve true financial health and happiness.
“I don’t have time to deal with my money.”
“Managing money and investing is too intimidating.”
“I’m not a numbers person.”
“My husband takes care of our finances.”
“I’m just not good with money.”
Jean Chatzky has heard all the excuses for why women don’t deal with their finances. She used to make them herself. For the first time, Jean tells you how she made every financial mistake in the book—not paying her bills, going into credit card debt, letting her 401(k) lapse—before finally making the decision to take control of her money and her future.
Whether you’ve made these mistakes or you want to avoid them, if you’re ready to take charge of your financial life then this is the book for you. In it, Jean shares these valuables lessons:
• Where to start
• How to decode financial jargon (it’s easier than you think)
• How to get over your “I’m not smart enough to deal with money” feelings
• Why being a “good-enough investor” will make you more money in the long-term (while trying to be a “great investor” will drive you crazy)
• Why you might think you are bad at math, and why that doesn’t have to be true
• How (and where) to save your money
• Why women make better investors—and higher returns—than men
Jean is famous for her ability to explain money and investing. In a clear and accessible way, she breaks down all the scariest parts of dealing with money—from investing in stocks to saving for your retirement—to make them doable, easy, and yes, even enjoyable. She also includes throughout a “Map to a Million,” great tips on easy and quick financial changes you can make immediately . . . that really add up!
Are You Ready to Be Rich?
If you want to get rich, if you want to be wealthier than you are today, you really need to do only four things. That’s right, just four things.
• You need to make a decent living
• You need to spend less than you make
• You need to invest the money you don’t spend so that it can work as hard for you as you’re working for yourself
• And you need to protect yourself and this financial world you’ve built so that a disaster—big or small—doesn’t take it all away from you
Everything else is just window-dressing. The fees—and how to avoid them. The advisors—and how to hire them. The deals. The scams. The ins. The outs. They are all interesting. Some of them are even quite important. But until you have conquered the heart of the matter, they are all minutia.
The four cornerstones, by contrast, are the meat and potatoes of your financial life. If you do those things today, you’ll start getting rich tomorrow. And once you feel set financially, you’ll be able to start focusing on the truly important things in life. —from the Introduction
From the Hardcover edition.
What’s the difference between you and Warren Buffett? Between you and your boss? Or between you and your successful neighbor? What do the financially comfortable have that you don’t?
It’s not that those people were born into money, caught a lucky break, or have an Ivy League education. It’s not even that they are smarter than you or make more money than you do each year. So what do they have that you don’t . . . at least not yet? What’s The Difference?
Trusted financial coach Jean Chatzky shares the secrets her groundbreaking research of the self-made wealthy has uncovered so that anyone can break through the barriers that stand between them and true financial freedom. Find out why it’s important to:
• Get happy, but not too happy
• Do what you love, but don’t quit your day job
• Read every day
• Remember that failure is not an option–it’s a necessity
• Harness your intuition to take risks that make sense
• Practice the Kevin Bacon Principle–make connections
• Say thank you–and mean it
• Make your money work as hard as you do
Through candid interviews and a study of more than five thousand people, Jean reveals the traits and habits of those who have moved from the lowest economic strata to the highest. The Difference helps you take a look at where you are now and offers simple strategies for going where you want to go. The Difference, you’ll see, is within you: You have the power to determine your financial future and achieve the next level of wealth.
From the Hardcover edition.
When it comes to money, military service members and their families face financial challenges that civilians simply don’t.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the family’s Chief Financial Officer as easy as possible.
That is, until now.
Jean Chatzky, financial editor for NBC's Today show, is here to help with Operation Money, a mission-based guide that provides detailed resources to prevent money problems before they happen; gives you the tools to manage through a tough situation if you’re already facing one; and empowers you to figure out how best to plan for your future—either in or out of the military—and then assists you in doing so.
The chapters throughout focus on saving, debt, credit, buying and financing a home, buying and financing a car, paying for college, protecting the ones you love with insurance and an estate plan, dealing with a relocation, managing money through a deployment, handling a furlough, retirement, divorce, and the financial aspects of caregiving.
With contributions from Blue Star Families, MSCNN, and other military related organizations,Operation Money is a must-read for those who serve that are looking to take charge of their financial present and future.
The enhanced edition includes video tips and advice from Jean Chatzky, as well as a bonus section featuring interviews with military spouses and veterans who share their personal financial stories with Jean.
Operation Money is published and available free-of-charge thanks to the generous support of Citi. For more information on Citi’s support for military veterans and their families, visit www.citisalutes.com.
Two of the world's leading experts explain the vital link between health and wealth that could add years to your life and dollars to your retirement savings.
All the money in the world doesn't mean a thing if we can't get out of bed. And the healthiest body in the world won't stay that way if we're frazzled about five figures worth of debt. TODAY Show financial expert Jean Chatzky and the Cleveland Clinic's chief wellness officer Dr. Michael Roizen explain the vital connection between health and wealth--giving readers all the tactics, strategies, and know-how to live longer, healthier, more lucrative lives.
The same principles that allow us to achieve a better body will allow us to do the same for our investment portfolio. For instance, physical and financial stability comes down to the same equation: Inflow versus outflow. Do we burn more calories than we ingest? Likewise, are we making more money than we spend? The authors detail scientific ways to improve our behavior so that the answers tilt in the readers' favor. They also offer ways to beat the system by automating how we do things and limiting our decisions in the face of too much food or too much debt. Chatzky and Roizen provide a plan for both financial independence and biological strength with action steps to get you there.
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.
Forget the old concept of retirement and the rest of the deferred-life plan–there is no need to wait and every reason not to, especially in unpredictable economic times. Whether your dream is escaping the rat race, experiencing high-end world travel, or earning a monthly five-figure income with zero management, The 4-Hour Workweek is the blueprint.
This step-by-step guide to luxury lifestyle design teaches:
• How Tim went from $40,000 per year and 80 hours per week to $40,000 per month and 4 hours per week
• How to outsource your life to overseas virtual assistants for $5 per hour and do whatever you want
• How blue-chip escape artists travel the world without quitting their jobs
• How to eliminate 50% of your work in 48 hours using the principles of a forgotten Italian economist
• How to trade a long-haul career for short work bursts and frequent “mini-retirements”
The new expanded edition of Tim Ferriss’ The 4-Hour Workweek includes:
• More than 50 practical tips and case studies from readers (including families) who have doubled income, overcome common sticking points, and reinvented themselves using the original book as a starting point
• Real-world templates you can copy for eliminating e-mail, negotiating with bosses and clients, or getting a private chef for less than $8 a meal
• How Lifestyle Design principles can be suited to unpredictable economic times
• The latest tools and tricks, as well as high-tech shortcuts, for living like a diplomat or millionaire without being either
From the Hardcover edition.
Robbins, who has coached more than fifty million people from 100 countries, is the world’s #1 life and business strategist. In this book, he teams up with Peter Mallouk, the only man in history to be ranked the #1 financial advisor in the US for three consecutive years by Barron’s. Together they reveal how to become unshakeable—someone who can not only maintain true peace of mind in a world of immense uncertainty, economic volatility, and unprecedented change, but who can profit from the fear that immobilizes so many.
In these pages, through plain English and inspiring stories, you’ll discover…
-How to put together a simple, actionable plan that will deliver true financial freedom.
-Strategies from the world’s top investors on how to protect yourself and your family and maximize profit from the inevitable crashes and corrections to come.
-How a few simple steps can add a decade or more of additional retirement income by discovering what your 401(k) provider doesn’t want you to know.
-The core four principles that most of the world’s greatest financial minds utilize so that you can maximize upside and minimize downside.
-The fastest way to put money back in your pocket: uncover the hidden fees and half truths of Wall Street—how the biggest firms keep you overpaying for underperformance.
-Master the mindset of true wealth and experience the fulfillment you deserve today.
Over the years, market developments have proven the wisdom of Graham’s strategies. While preserving the integrity of Graham’s original text, this revised edition includes updated commentary by noted financial journalist Jason Zweig, whose perspective incorporates the realities of today’s market, draws parallels between Graham’s examples and today’s financial headlines, and gives readers a more thorough understanding of how to apply Graham’s principles.
Vital and indispensable, The Intelligent Investor is the most important book you will ever read on how to reach your financial goals.
If you’re at all responsible for your company’s success, you can’t just be a hard-charging entrepreneur or a motivating, encouraging leader. You have to be both!
Dave Ramsey, America’s trusted voice on money and business, reveals the keys that grew his company from a one-man show to a multimillion-dollar business—with no debt, low turnover, and a company culture that earns it the “Best Place to Work” award year after year.
This book presents Dave’s playbook for creating work that matters; building an incredible group of passionate, empowered team members; and winning the race with steady momentum that will roll over any obstacle.
Regardless of your business goals, you’ll discover that anyone can lead any venture to unbelievable growth and prosperity through Dave’s common sense, counterculture, EntreLeadership principles!
From the #1 New York Times bestselling author of You Are a Badass, a life-changing guide to making the kind of money you’ve only ever dreamed of
You Are a Badass at Making Money will launch you past the fears and stumbling blocks that have kept financial success beyond your reach. Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, aha concepts that unlock earning potential and get real results.
• Uncover what's holding you back from making money
• Give your doubts, fears, and excuses the heave-ho
• Relate to money in a new (and lucrative) way
• Shake up the cocktail of creation
• Tap into your natural ability to grow rich
• Shape your reality—stop playing victim to circumstance
• Get as wealthy as you wanna be
“This book truly crystallizes the concept that financial abundance is an inside job—in that it all begins with your mindset—and Sincero gets serious (in the funniest ways possible) about helping you identify your particular limiting beliefs surrounding money.” —PopSugar
Investing in the stock market is a great way to build your wealth, but for those of us who aren't professional stockbrokers, knowing what information to trust and where to put your money can seem overwhelming. Stock Market Investing for Beginners provides you with the strategic advice and knowledge necessary to make informed investment decisions. Equipping you with everything you need to take control of your financial future, Stock Market Investing for Beginners removes the guesswork from investing.
Stock Market Investing for Beginners gives you the tools to start investing wisely and successfully, with:A Comprehensive Overview covering the fundamentals of stock market investing Strategic Advice on buying, selling, owning, and diversifying Invaluable Tips on building your financial portfolio through stock market investing
“As a financial advisor, I recommend this book to anyone wanting to learn the Wall Street stock market game and build wealth.”—Cheryl D. Broussard, reader and financial advisor
Learn how to make the best of your investment with Stock Market Investing for Beginners.
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.
“I truly believe Jim Rohn is an extraordinary human being whose philosophy can enhance the quality of life for anyone.”
“Few men are endowed with Jim Rohn’s ability to motivate and effect changes in other human beings.”
“Jim Rohn . . . is one of the most profound thinkers and mind expanding individuals I’ve ever had a chance to listen to.”
— Les Brown
“Jim Rohn is a master motivator—he has style, substance, charisma, relevance, charm, and what he says makes a difference . . . The world would be a better place if everyone heard my friend Jim Rohn.”
—Mark Victor Hansen
You don’t have to choose between wealth and happiness—they spring from the same fountain of abundance. With this book, you’ll discover the seven essential strategies you need for success:
·Unleash the Power of Goals
·Learn the Miracle of Personal Development
·Control Your Finances
·Surround Yourself with Winners
·Learn the Art of Living Well
Author Jim Rohn’s philosophy has helped millions change their lives for the better. Find out what it can do for you!
“The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It
"This is a wonderful book. It can really change your life." -Oprah
For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.
Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to:
• Get out of debt and develop savings
• Save money through mindfulness and good habits, rather than strict budgeting
• Declutter your life and live well for less
• Invest your savings and begin creating wealth
• Save the planet while saving money
• …and so much more!
"The seminal guide to the new morality of personal money management." -Los Angeles Times
"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.
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 felt that your life--and budget--is spiraling out of control? Do you sometimes wish you could pull yourself together but wonder exactly how to manage all the scattered pieces of a chaotic life? Is it possible to find balance??? In a word, yes.?? Ruth Soukup knows firsthand how stressful an unorganized life and budget can be. Through personal stories, biblical truth, and practical action plans, she will inspire you to make real and lasting changes to your personal goals, home, and finances. With honesty and the wisdom of someone who has been there, Ruth will help you:
* Discover your "sweet spot"--that place where your talents and abilities intersect.
* Take back your time and schedule by making simple shifts in your daily habits.
* Reduce stress in your home and family by clearing out the clutter.
* Stop busting your budget and learn to cut your grocery bill in half.
Who Needs This Book?
Living Well, Spending Less was written to bring hope and encouragement to every woman who currently feels overwhelmed or stressed with a life--and budget--that feels out of control. It speaks to the mom trying to juggle all the demands of a busy life with the pressure to keep up with those around her. It is a practical guide for those of us who often long to pull ourselves together but don't always know how. It is real, honest, packed with practical tips, and speaks to the heart of the matter--how can we live the life we've always wanted? Want to know if this book is for you?
* Do you ever find yourself comparing your life to those around you?
* Have you ever wished for the courage to follow your dreams?
* Do you ever struggle to stay organized or get things done?
* Have you ever felt loaded down with stuff you don't really need....or even really want?
* Do you ever struggle to keep your finances on track?
* Do you sometimes long for deeper, more authentic relationships in your life?
If the answer to any of these questions is YES, this book provides real and practical solutions from someone who has been there. Ruth doesn't just offer advice, she walks it with you, and shares with brutal honesty her own mistakes, failures, and shortcomings. It is encouraging, motivating, and life-changing.
What Others Are Saying:
"An incredible book that will teach you how to spend smart without compromising a great life. Ruth's stories and practical advice will make you want to be a better mother, wife, sister, and friend." --RACHEL CRUZE, coauthor with Dave Ramsey of Smart Money Smart Kids
"Ruth knows firsthand how mamas like us live crazy busy lives, and she steps in as a friend to help us manage and love every minute of it. She offers her best tips for gaining control over the chaos with wisdom-based insights on all things thrifty and family. I'll be reading it again and again!" --RENEE SWOPE, bestselling author of A Confident Heart
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.
America’s most successful money manager tells how average investors can beat the pros by using what they know. According to Lynch, investment opportunities are everywhere. From the supermarket to the workplace, we encounter products and services all day long. By paying attention to the best ones, we can find companies in which to invest before the professional analysts discover them. When investors get in early, they can find the “tenbaggers,” the stocks that appreciate tenfold from the initial investment. A few tenbaggers will turn an average stock portfolio into a star performer.
Lynch offers easy-to-follow advice for sorting out the long shots from the no-shots by reviewing a company’s financial statements and knowing which numbers really count. He offers guidelines for investing in cyclical, turnaround, and fast-growing companies.
As long as you invest for the long term, Lynch says, your portfolio can reward you. This timeless advice has made One Up on Wall Street a #1 bestseller and a classic book of investment know-how.
Complete Day Trading Course
How To Day Trade Stocks For Profit is a complete course designed to get you quickly making money from the stock market. No previous trading experience is necessary. Easy to read and jargon-free, it starts right from the very basics, and builds to a remarkably simple but very powerful profit generating strategy.
What Others Are Saying
Readers of this book make real money, as this short selection of comments shows:
• "Have been using the info in the book for three days... $1,490.00 in the bank."
• "It was a great day! I made a $1175.50 profit."
• “Per 1 January I started day trading full time."
• “I am already making my job salary in trading."
• “I ended my first day of live trading with a net profit of $279.53.”
Just some of what you will discover inside:
• What really makes the stock market tick (and how you can make lots of money from it).
• The single biggest difference between people who make money and those who lose it.
• How to trade with other people's money, and still keep the profit for yourself.
• Specific trading instructions, exactly when to buy and sell for maximum profit.
• How to make money even when the stock market is falling.
• The five reasons most traders lose their shirt, and how you can easily overcome them.
• Three powerful methods to banish fear and emotion from you trading - forever.
• How you can get started trading with absolutely no risk at all.
• 14 Golden Rules of trading that virtually guarantee you will be making money in no time.
The book is packed with real life examples and plenty of exercises that mean you’ll be ready to go from reading about trading, to actually making your own trades that put cash in the bank.
--From the Foreword by Warren E. Buffett
First published in 1934, Security Analysis is one of the most influential financial books ever written. Selling more than one million copies through five editions, it has provided generations of investors with the timeless value investing philosophy and techniques of Benjamin Graham and David L. Dodd.
As relevant today as when they first appeared nearly 75 years ago, the teachings of Benjamin Graham, “the father of value investing,” have withstood the test of time across a wide diversity of market conditions, countries, and asset classes.
This new sixth edition, based on the classic 1940 version, is enhanced with 200 additional pages of commentary from some of today’s leading Wall Street money managers. These masters of value investing explain why the principles and techniques of Graham and Dodd are still highly relevant even in today’s vastly different markets. The contributor list includes:Seth A. Klarman, president of The Baupost Group, L.L.C. and author of Margin of Safety James Grant, founder of Grant's Interest Rate Observer, general partner of Nippon Partners Jeffrey M. Laderman, twenty-five year veteran of BusinessWeek Roger Lowenstein, author of Buffett: The Making of an American Capitalist and When America Aged and Outside Director, Sequoia Fund Howard S. Marks, CFA, Chairman and Co-Founder, Oaktree Capital Management L.P. J. Ezra Merkin, Managing Partner, Gabriel Capital Group . Bruce Berkowitz, Founder, Fairholme Capital Management. Glenn H. Greenberg, Co-Founder and Managing Director, Chieftain Capital Management Bruce Greenwald, Robert Heilbrunn Professor of Finance and Asset Management, Columbia Business School David Abrams, Managing Member, Abrams Capital
Featuring a foreword by Warren E. Buffett (in which he reveals that he has read the 1940 masterwork “at least four times”), this new edition of Security Analysis will reacquaint you with the foundations of value investing—more relevant than ever in the tumultuous 21st century markets.
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.
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.
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.
Now in its fifth edition, The Neatest Little Guide to Stock Market Investing has established itself as a clear, concise, and highly effective approach to stocks and investment strategy. Rooted in the principles that made it invaluable from the start, this completely revised and updated edition of The Neatest Little Guide to Stock Market Investing shares a wealth of information, including:
•What has changed and what remains timeless as the economy recovers from the subprime crash
•All-new insights from deep historical research showing which measurements best identify winning stocks
•A rock-solid value averaging plan that grows 3 percent per quarter, regardless of the economic climate
•An exclusive conversation with legendary Legg Mason portfolio manager Bill Miller, revealing what he learned from the crash and recovery
•Thoroughly updated resources emphasizing online tools, the latest stock screeners, and analytical sites that best navigated recent trends
Accessible and intelligent, The Neatest Little Guide to Stock Market Investing is what every investor needs to keep pace in the current market.
Don’t spend too much. Mostly save. Always invest.
This is simple advice, but it’s often the simple advice that’s easy to swallow and hard to follow. Kevin O’Leary understands that getting a handle on your personal finances can be challenging at any age. Whether you’re a parent struggling to explain savings to your children, a student contemplating a big loan to pay for school, a newly engaged couple considering joint bank accounts, or a baby boomer entering retirement, Kevin offers solid, practical advice to help you make—and keep—more money.
As a star on ABC’s Shark Tank, Kevin’s success with money management and in business is legendary. But he’s made mistakes along the way, too, and he’s written this book so others can benefit from his experiences. Each chapter is geared to a specific age or stage in life and focuses on simple changes you can make to avoid debt, save money, and invest for a brighter future. You’ll find real-life examples of common money mistakes and strategies for avoiding them, “Cold Hard Truth” quizzes and charts aimed at boosting your financial wisdom, and tips and tricks for making more money and growing it faster to achieve financial freedom.
The Cold Hard Truth on Men, Women, and Money offers an invaluable opportunity to walk through some of life’s biggest decisions with one of the sharpest financial minds today.
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.
How do we find hot stocks without getting burned? How do we fatten our portfolios and stay financially healthy? Former hedge-fund manager and longtime Wall Street commentator Jim Cramer explains how to invest wisely in chaotic times, and he does so in plain English in a style that is as much fun as investing is—or should be, when it’s done right.
For starters, Cramer recommends devoting a portion of your assets to speculation. Everyone wants to find the big winners that can bring outsized gains, and Cramer explains how to allocate your portfolio so that you can afford to take this kind of risk wisely. He explains why “buy and hold” is a losing philosophy: For Cramer, it’s “buy and homework.” If you can’t spend an hour a week researching each of your stocks, then you should hand off your portfolio to a mutual fund—and Cramer identifies the very few mutual funds that he’d recommend.
Cramer reveals his Ten Commandments of Trading (Commandment #5: Tips are for waiters). He explains why he’s not afraid to compare investing to gambling (and tells you which book on gambling you should read to become a better investor). He discloses his Twenty-Five Rules of Investing (Rule #4: Look for broken stocks, not broken companies).
Cramer shows how to compare stock prices in a way that you can understand, how to spot market tops and bottoms, how to know when to sell, how to rotate among cyclical stocks to catch the big moves, and much more. Jim Cramer’s Real Money is filled with insider advice that really works, information that Cramer himself used to make millions during his fourteen-year career on Wall Street.
Written in Cramer’s distinctive turbocharged style, this is every investor’s guide to what you really must know to make big money in the stock market.
For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich, and Start Late, Finish Rich what’s the real secret to getting rich? What’s the one thing I need to do?
Now, in the newly revised The Automatic Millionaire, expanded and updated, David Bach is sharing that secret.
The Automatic Millionaire starts with the powerful story of an average American couple--he’s a low-level manager, she’s a beautician--whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present.
What makes The Automatic Millionaire unique:
· You don’t need a budget
· You don’t need willpower
· You don’t need to make a lot of money
· You don’t need to be that interested in money
· You can set up the plan in an hour
David gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers, websites and apps, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home.
This powerful little book has the potential to secure your financial future. Do it once--the rest is automatic!
#1 New York Times bestseller with over 1.5 Million Copies Sold
The Automatic Millionaire is one of the most popular financial books of our time. It was a runaway hit when it was first published in 2004, spending thirty-one weeks on the New York Times bestseller list and appearing at at number one simultaneously on the New York Times, USA Today, BusinessWeek, and Wall Street Journal business bestseller lists. It has sold over 1.5 million copies and been translated around the world in over a dozen languages. This is the first update since 2005 and includes updated information on taxes, investments, technologies and apps to automate your financial life as well as David’s latest systems for making the entire process even easier.
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.
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.
A valuable discussion of where paper assets fit (and do not fit) in the context of Rich Dad principles and its place among the other assets classes such as real estate business and commodities.
The bulk of the book educates investors on "Andy's 4 pillars of stock market income" and effectively simplifies the four concepts to help investors begin to harness their power.
The book concludes with ideas for an individual action plan suited to the goals of the reader
What are stocks?
What determines their market prices?
Why do they go up and down?
How can I beat the stock market?
What are mutual funds?
What are index funds?
What are Exchanged Traded Funds?
Even though the stock market is the heart of a country's wealth, and even though it enables everybody to be a part owner in the largest, most successful countries in the world, it's not taught in public schools.
But be warned: the mainstream press often misrepresents the stock market. They focus on making the news exciting and dramatic to sell copies.
Frankly, the best investing is boring investing. It's putting as much money as you can afford into many companies, and reinvesting dividends. And continuing to do so until you reach retirement age.
The best investing is not about trying to figure out what's going to happen in the economy or the markets tomorrow, next week, next month or next year.
Many financial writers try to make you think you have to work hard at investing. You must study stock charts every night. Read annual reports. Thoroughly analyze a company's financial statements. Read THE WALL STREET JOURNAL, BARRON'S, and MONEY MAGAZINE. Buy special software. Hang out in online investing forums.
Don't waste your time. This book takes modern financial theory to its logical conclusion. You can get the maximum long term benefit by following its simple plan. No tedious math or economics theory needed.
It's simple to set up. Then you forget about it. Pay no attention to the financial news. Just focus on making the most money you can in your career or business, that's all.
And if you're starting small, we've got you covered too.
You'll learn the various kinds of stocks and the various ways to invest in them, including tax-deferred retirement accounts such as an IRA.
This work is shorter than Stock Investing for Dummies.
Warning: the investment world is full of people who think your money belongs to them.
From out and out scammer brokers, financial advisors, newsletter editors, and to the managers of actively traded mutual funds, if you're not careful you'll help everybody get rich except yourself.
Your government also wants your money, so this includes a chapter on the tax consequences of investing -- and how to minimize them.
Therefore, scroll up to download Stock Market Investing for Beginners and get started right away.
“Significant...The book is both instructive and surprisingly moving.” —The New York Times
Ray Dalio, one of the world’s most successful investors and entrepreneurs, shares the unconventional principles that he’s developed, refined, and used over the past forty years to create unique results in both life and business—and which any person or organization can adopt to help achieve their goals.
In 1975, Ray Dalio founded an investment firm, Bridgewater Associates, out of his two-bedroom apartment in New York City. Forty years later, Bridgewater has made more money for its clients than any other hedge fund in history and grown into the fifth most important private company in the United States, according to Fortune magazine. Dalio himself has been named to Time magazine’s list of the 100 most influential people in the world. Along the way, Dalio discovered a set of unique principles that have led to Bridgewater’s exceptionally effective culture, which he describes as “an idea meritocracy that strives to achieve meaningful work and meaningful relationships through radical transparency.” It is these principles, and not anything special about Dalio—who grew up an ordinary kid in a middle-class Long Island neighborhood—that he believes are the reason behind his success.
In Principles, Dalio shares what he’s learned over the course of his remarkable career. He argues that life, management, economics, and investing can all be systemized into rules and understood like machines. The book’s hundreds of practical lessons, which are built around his cornerstones of “radical truth” and “radical transparency,” include Dalio laying out the most effective ways for individuals and organizations to make decisions, approach challenges, and build strong teams. He also describes the innovative tools the firm uses to bring an idea meritocracy to life, such as creating “baseball cards” for all employees that distill their strengths and weaknesses, and employing computerized decision-making systems to make believability-weighted decisions. While the book brims with novel ideas for organizations and institutions, Principles also offers a clear, straightforward approach to decision-making that Dalio believes anyone can apply, no matter what they’re seeking to achieve.
Here, from a man who has been called both “the Steve Jobs of investing” and “the philosopher king of the financial universe” (CIO magazine), is a rare opportunity to gain proven advice unlike anything you’ll find in the conventional business press.
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.
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.
• 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.
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.
—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.
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.
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.
Do you dream of trading online from the comfort of your own home? Of making money with the click of a mouse? Would you like to discover the forex trading strategies used by professional FX traders? Harvey Walsh lifts the curtain and invites you into the lucrative world of currency trading.
Written in his trademark plain English, this jargon-free book takes you through everything you need to know in order to start trading the foreign exchange market.
Just some of the things you will discover inside:
• What money really is, and how currencies work.
• What makes currency prices move, and how you can use that information to make money.
• Precise forex trading strategies you can start using today.
• How to make your own unique, profitable trading setups to give yourself an extra edge.
• The tricks your mind is playing on you when you trade, and how to turn them to your advantage.
When you've read this book, you will be able to:
• Choose a forex broker and open an account.
• Set up currency charts.
• Read your charts and spot excellent trading opportunities.
• Understand and use the different order types.
• Make trades that can make you money whether prices are rising or falling.
• Manage your money, and your mind, for maximum success.
Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America’s Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too.
Steve and Annette share many down-to-earth principles and the simple spending plan that they have used since 1982. They have taught this economizing lifestyle to thousands of people worldwide through seminars and their newsletter, and they include lots of real-life stories to make you feel as if you’re having your own private coaching session. Not only will you find solutions to your financial dilemmas, you’ll also discover a whole new way of life.
You don’t need to be a CPA or a math wizard to learn their revolutionary system, which will teach you:
- hundreds of ways to save money on everyday household expenses, including groceries, clothing, and health care
- how to save in advance for major purchases such as homes, cars, and vacations
- how to stop living paycheck to paycheck
- how to eliminate debt . . . forever!
America’s Cheapest Family Gets You Right on the Money puts meeting your financial goals- and living well at the same time- in reach for every family.
From the Trade Paperback edition.
The Boglehead's Guide to Investing is a DIY handbook that espouses the sage investment wisdom of John C. Bogle. This witty and wonderful book offers contrarian advice that provides the first step on the road to investment success, illustrating how relying on typical "common sense" promoted by Wall Street is destined to leave you poorer. This updated edition includes new information on backdoor Roth IRAs and ETFs as mainstream buy and hold investments, estate taxes and gifting, plus changes to the laws regarding Traditional and Roth IRAs, and 401k and 403b retirement plans. With warnings and principles both precisely accurate and grandly counterintuitive, the Boglehead authors show how beating the market is a zero-sum game.
Investing can be simple, but it's certainly not simplistic. Over the course of twenty years, the followers of John C. Bogle have evolved from a loose association of investors to a major force with the largest and most active non-commercial financial forum on the Internet. The Boglehead's Guide to Investing brings that communication to you with comprehensive guidance to the investment prowess on display at Bogleheads.org. You'll learn how to craft your own investment strategy using the Bogle-proven methods that have worked for thousands of investors, and how to:Choose a sound financial lifestyle and diversify your portfolio Start early, invest regularly, and know what you're buying Preserve your buying power, keeping costs and taxes low Throw out the "good" advice promoted by Wall Street that leads to investment failure
Financial markets are essentially closed systems in which one's gain garners another's loss. Investors looking for a roadmap to successfully navigating these choppy waters long-term will find expert guidance, sound advice, and a little irreverent humor in The Boglehead's Guide to Investing.
Develop a Winning Investment Strategy—with Expert Advice from “The Nation’s #1 Money Manager.” Peter Lynch’s “invest in what you know” strategy has made him a household name with investors both big and small.
An important key to investing, Lynch says, is to remember that stocks are not lottery tickets. There’s a company behind every stock and a reason companies—and their stocks—perform the way they do. In this book, Peter Lynch shows you how you can become an expert in a company and how you can build a profitable investment portfolio, based on your own experience and insights and on straightforward do-it-yourself research.
In Beating the Street, Lynch for the first time explains how to devise a mutual fund strategy, shows his step-by-step strategies for picking stock, and describes how the individual investor can improve his or her investment performance to rival that of the experts.
There’s no reason the individual investor can’t match wits with the experts, and this book will show you how.
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.
In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune.
Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including:Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you’re in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.
Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.
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.