Financially Fearless: The LearnVest Program for Taking Control of Your Money

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Finally, a financial plan that lets you be YOU, only richer.
 
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.
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About the author

 ALEXA VON TOBEL, CFP® is the founder and CEO of www.LearnVest.com, an award-winning financial planning site.  A Certified Financial Planner™ who attended Harvard Business School, Alexa has been featured as a financial expert in the Wall Street Journal, the New York Times, BusinessWeek, Fast Company, Forbes, InStyle, Glamour and on the Today show, Good Morning America, Anderson, Katie, ABC News, Bloomberg News, and more.  Her speaking engagements include Maria Shriver's Women's Conference, SXSW, Fortune Most Powerful Women's Conference, and TEDxWallStreet, and she is a columnist for Cosmopolitan, Inc. Magazine, and Ladies Home Journal.
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Additional Information

Publisher
Crown Business
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Published on
Dec 31, 2013
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Pages
336
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ISBN
9780385347624
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Language
English
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Genres
Business & Economics / Personal Finance / General
Business & Economics / Personal Finance / Money Management
Business & Economics / Women in Business
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Content Protection
This content is DRM protected.
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Eligible for Family Library

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The book of financial wisdom that your future self will thank you for reading

For many adults under 40, 'debt' is a four-letter word—something that should be avoided but is all too often unavoidable. In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets—and debt—now.

Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts.

Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later

This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation—no matter what your current asset level. Read this book today and thank yourself later.

Everyone has an opinion, anecdote, or horror story about women and work. Now the acclaimed author of What the Most Successful People Do Before Breakfast shows how real working women with families are actually making the most of their time.

“Having it all” has become the subject of countless books, articles, debates, and social media commentary, with passions running high in all directions. Many now believe this to be gospel truth: Any woman who wants to advance in a challenging career has to make huge sacrifices. She’s unlikely to have a happy marriage, quality time with her kids (assuming she can have kids at all), a social life, hobbies, or even a decent night’s sleep.

But what if balancing work and family is actually not as hard as it’s made out to be? What if all those tragic anecdotes ignore the women who quietly but consistently do just fine with the juggle?

Instead of relying on scattered stories, time management expert Laura Vanderkam set out to add hard data to the debate. She collected hour-by-hour time logs from 1,001 days in the lives of women who make at least $100,000 a year. And she found some surprising patterns in how these women spend the 168 hours that every one of us has each week.

Overall, these women worked less and slept more than they assumed they did before they started
tracking their time. They went jogging or to the gym, played with their children, scheduled date nights with their significant others, and had lunches with friends. They made time for the things that gave them pleasure and meaning, fitting the pieces together like tiles in a mosaic—without adhering to overly rigid schedules that would eliminate flexibility and spontaneity.

Vanderkam shares specific strategies that her subjects use to make time for the things that really matter to them. For instance, they . . .
* Work split shifts (such as seven hours at work, four off, then another two at night from home). This allows them to see their kids without falling behind professionally.
* Get creative about what counts as quality family time. Breakfasts together and morning story time count as much as daily family dinners, and they’re often easier to manage.
* Take it easy on the housework. You can free up a lot of time by embracing the philosophy of “good enough” and getting help from other members of your household (or a cleaning service).
* Guard their leisure time. Full weekend getaways may be rare, but many satisfying hobbies can be done in small bursts of time. An hour of crafting feels better than an hour of reality TV.

With examples from hundreds of real women, Vanderkam proves that you don’t have to give up on the things you really want. I Know How She Does It will inspire you to build a life that works, one hour at a time.
Now widely available, the popular, award-winning, self-published guide to help women get out of debt, rebuild their credit, and fulfill their financial dreams.

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.

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