In Wealth Unbroken, Rebecca explains how and why following the popular beliefs about long-term wealth building are keeping 96 out of 100 Americans from financial success in their retirement. ˃˃˃ A New, Refreshing Approach To A Critical Subject Wall Street and mediocre, fee-seeking financial advisors have fed half-truths to Americans for decades, ruining their lifetime pocketbooks for their own gain. In an easy to read, conversational style, Rebecca shows you how to be one of the few Americans who not only survives but thrives in the New Normal of changing Federal tax codes, Baby Boomer retirement and market volatility. ˃˃˃ A Roadmap To Financial Success No matter where you are along the path of life's journey, reading this book will change how you see things when it comes to creating, preserving, and transferring wealth. ˃˃˃ Learn how to employ strategies that provide financial peace of mind by guaranteeing lifetime income regardless of market crashes, terrible investments and unhealthy economics. Scroll Up And Grab Your Copy Today!

    

    Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds—practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments—and your financial future. Here, Ric shares his most valuable lessons gained through two decades of working directly with individuals and families. He reveals the lies that have infiltrated your retail mutual funds and retirement accounts and teaches you how to invest your money in your employer retirement plan; how to save for college; and for those who are retired, how to generate more income without sacrificing security. He shows you that proper money management has nothing to do with “hot tips” and everything to do with scientific analysis, bolstered by solid academic research and historical data. Along the way, Ric shows you the secrets to investment success—a long-term focus, the importance of diversification, and the crucial need for (and methods of) portfolio rebalancing. With insight and strategies that will change people's lives, The Lies About Money offers the truth that everyone is looking for.

    In this myth-shattering book, a leading business journalist exposes the shocking gap between personal finance and public image, and reveals how Americans are caught in the trap of living beyond their means.

    

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    Readers can maintain complete control over their money-and not sacrifice precious points to an advisor or broker.Using a strategy that minimizes volatility and maximizes returns, Solin makes investing according to the principles of the most sophisticated financial models accessible to individuals in a way that has never been possible before.As readers have come to expect from Solin, implementing this plan is as simple as one, two, three: open an account with a discount broker; determine the appropriate asset allocation using the simple questionnaire in the book or online; input pre-determined ETFs (Exchange Traded Funds) and the allocations for the level of the investor's individual risk profile.This is the only book that provides the information and practical guidance that readers need to achieve the very best results with the minimum risk,on their own.

    “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.

    

    

    A strategy simple enough for anyone to understand and one that runs on "autopilot" once it's set up.

    This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    Rich By Retirement gives simple, low-cost investment advice that's tailored for the Singaporean market and for Singaporean investors. It'll help you get started with investing - in Singapore and in overseas markets; you'll learn how to save and invest for the long term; and you'll even have some fun along the way. Here's what you'll learn: * How to start an emergency fund to cover those unexpected expenses; * Whether you really need all those insurance policies; * How to invest in Singapore without paying high costs; * How to buy into overseas markets and diversify your investments; * How to turn your first investments into an investment that'll last the rest of your life; * How to spot - and avoid! - an investment scam; * And ten simple rules for investing for the long term. Rich By Retirement is friendly and easy to follow, so you can read it and put the investment strategies into action straight away. It's written for the regular investor, so anyone can use its advice, whether you're a new investor or already well-off. And the book explains why you're doing what you're doing; you get more than just a strategy, you'll learn how and why it works.

    Rich. Wealthy. Well-heeled. Moneyed. Affluent. Not bad--but why not get Stacked instead? If you've ever dreamed of a basic philosophy of money that'll help you live bigger, be bolder, and laugh harder, you need this book.In these uncertain times, the basics matter more than ever. But for most of us, concepts such as investing, budgeting, and getting out of debt just don't float our boats (or 150-foot yachts)--and so we put them off longer than we should. Joe Saul-Sehy and Emily Guy Birken are here to tell you that personal finance can be a lot more fun than you think. (No haberdashery, maritime knowledge, or specialized flatware required.)Learn about everything from side hustles, to hiring a legit financial adviser, to planning for emergencies, to what's new and exciting--and actually worth your time--in financial apps and software. If you're looking for the same old get-rich-quick clich�s, avocado toast shaming, or alphabet soup of incomprehensible financial terms, you won't find them here. Instead, Saul-Sehy and Birken take you step by step along the way to financial success, with their signature blend of shrewd financial information and wacky humor.

    Chase instructs readers on where to find coupons, how to use them, where to get the most bang for your buck, and how to start thinking like a couponer every time you make a purchase. Sound too easy? With a little practice, you'll see the savings rolling in while you live your life -- stress-free and thousands of dollars per year richer!