the index card why personal finance doesnt have to be complicated 2

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The Index Card

Author : Helaine Olen
ISBN : 9780143130529
Genre : Business & Economics
File Size : 76. 71 MB
Format : PDF
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"THE MOST NOTABLE PERSONAL FINANCE WRITING OF 2013 . . . WAS A HANDWRITTEN 4 � 6 INDEX CARD." --MINNEAPOLIS STAR TRIBUNE TV analysts and money managers would have you believe your finances are enormously complicated, and if you don't follow their guidance, you'll end up in the poorhouse. They're wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an off�hand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.

Pound Foolish

Author : Helaine Olen
ISBN : 9781101575307
Genre : Business & Economics
File Size : 51. 12 MB
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If you’ve ever bought a personal finance book, watched a TV show about stock picking, listened to a radio show about getting out of debt, or attended a seminar to help you plan for your retirement, you’ve probably heard some version of these quotes: “What’s keeping you from being rich? In most cases, it is simply a lack of belief.” —SUZE ORMAN, The Courage to Be Rich “Are you latte-ing away your financial future?” —DAVID BACH, Smart Women Finish Rich “I know you’re capable of picking winning stocks and holding on to them.” —JIM CRAMER, Mad Money They’re common refrains among personal finance gurus. There’s just one problem: those and many simi­lar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we’ve taken matters into our own hands, embracing the can-do attitude that if we’re smart enough, we can overcome even daunting financial obstacles. But that’s not true. In this meticulously reported and shocking book, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, prac­tices—from accepting payments from banks and corporations in exchange for promoting certain prod­ucts to blaming the victims of economic catastrophe for their own financial misfortune. Pound Foolish also disproves many myths about spending and saving, including: Small pleasures can bankrupt you: Gurus popular­ized the idea that cutting out lattes and other small expenditures could make us millionaires. But reduc­ing our caffeine consumption will not offset our biggest expenses: housing, education, health care, and retirement. Disciplined investing will make you rich: Gurus also love to show how steady investing can turn modest savings into a huge nest egg at retirement. But these calculations assume a healthy market and a lifetime without any setbacks—two conditions that have no connection to the real world. Women need extra help managing money: Product pushers often target women, whose alleged financial ignorance supposedly leaves them especially at risk. In reality, women and men are both terrible at han­dling finances. Financial literacy classes will prevent future eco­nomic crises: Experts like to claim mandatory sessions on personal finance in school will cure many of our money ills. Not only is there little evidence this is true, the entire movement is largely funded and promoted by the financial services sector. Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, Pound Foolish is a compassionate and compelling book that will change the way we think and talk about our money.

The One Page Financial Plan

Author : Carl Richards
ISBN : 9780698184565
Genre : Business & Economics
File Size : 63. 75 MB
Format : PDF, ePub, Mobi
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Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they’ve begged, “Just tell me what to do.” It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened. What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right. The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you. By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them. The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen. But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

How To Make Your Money Last

Author : Jane Bryant Quinn
ISBN : 9781476743783
Genre : Business & Economics
File Size : 83. 35 MB
Format : PDF, ePub
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Turn your retirement savings into a steady paycheck that will last for life with Jane Bryant Quinn’s “‘how to’ book that covers every phase of retirement finance. Bottom line, anyone on the retirement track or in retirement should own this book” (Huffington Post). Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. With this book, financial expert Jane Bryant Quinn, “America’s dean of personal finance” (Forbes), explains how to turn your retirement funds into a paycheck that will last for life. She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide—“a hugely valuable resource for readers, wherever they are on their personal financial timeline” (Publishers Weekly, starred review).

Simple Money

Author : Tim Maurer
ISBN : 9781493403240
Genre : Business & Economics
File Size : 30. 82 MB
Format : PDF
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When it comes to money management, most of us take a hands-off approach because we're just not confident that we have the know-how needed. But personal finance is actually more personal than it is finance. Tim Maurer has made a career out of distilling complex financial concepts into understandable, doable actions. In this eminently practical book, he shows readers how to - better understand their values and goals in order to simplify their money decisions - budget major expenses intelligently - reduce and eliminate debt - make vital decisions on home, auto, and life insurance - establish a world-class investment portfolio - craft a workable retirement plan - and more Readers will be relieved to see that managing their money is actually not as complicated as they thought--and that they can take control of their financial future starting today.

The Behavior Gap

Author : Carl Richards
ISBN : 9781101559550
Genre : Business & Economics
File Size : 54. 46 MB
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"It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational." -From The Behavior Gap Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make. As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-"the behavior gap." Using simple drawings to explain the gap, he found that once people understood it, they started doing much better. Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to rethink all kinds of situations where your perfectly natural instincts (for safety or success) can cost you money and peace of mind. He'll help you to: • Avoid the tendency to buy high and sell low; • Avoid the pitfalls of generic financial advice; • Invest all of your assets-time and energy as well as savings-more wisely; • Quit spending money and time on things that don't matter; • Identify your real financial goals; • Start meaningful conversations about money; • Simplify your financial life; • Stop losing money! It's never too late to make a fresh financial start. As Richards writes: "We've all made mistakes, but now it's time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn't to make the 'perfect' decision about money every time, but to do the best we can and move forward. Most of the time, that's enough." From the Hardcover edition.

Get A Financial Life

Author : Beth Kobliner
ISBN : 9781476782393
Genre : Business & Economics
File Size : 84. 75 MB
Format : PDF
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A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance. More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them? These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy. It’s time for them to get a financial life. For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money. From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.

What Your Financial Advisor Isn T Telling You

Author : Liz Davidson
ISBN : 9780544633346
Genre : Business & Economics
File Size : 69. 35 MB
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“This book is mandatory reading for anyone who wants a better understanding of how to manage their money.”—Mary Beth Franklin, InvestmentNews “Accessible and practical, this guide contains valuable tools for managing one’s personal finances for maximum results.”—Publishers Weekly, starred review ​ It seems like a foolproof decision: if you want to be smart about protecting and growing your wealth, you should seek guidance from a trained financial advisor. As CEO of the country’s largest provider of workplace financial wellness programs, Liz Davidson has seen firsthand how that seemingly smart decision can go awry for many people. Why? Because you can never blindly trust that your advisor has your best interests at heart. There are many benefits to working with a financial pro, but there are some things you should know first. That’s where this book comes in. Drawing on her insider’s knowledge of how the financial advice profession really works, Davidson reveals how to judge whether an advisor is going to help or harm your savings. How should you decide if you really need an advisor? What financial moves can you make without their help? What important questions should you ask before trusting them with your money? What are the red flags you should run from? And what does all their jargon really mean? This friendly, no-nonsense guide is a must-read if you want to finally take control of your financial well-being, either with a financial advisor or without one.

On My Own Two Feet

Author : Manisha Thakor
ISBN : 9781440571138
Genre : Business & Economics
File Size : 66. 3 MB
Format : PDF, Mobi
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Take control of your financial future! "On My Own Two Feet is a must read for everyone. This book actually makes personal finance interesting. You will read it cover to cover. Go get a copy, and get copies for the people you care about. Taking care of your money is important, and the earlier you start, the better." --Tim Westergren, Founder, Pandora Whether you've been living paycheck to paycheck or are saving for a down payment on your first home, this updated edition of the bestselling On My Own Two Feet will help you grasp the basic principles of money management. Written by Harvard Business School graduates and leading investment experts Manisha Thakor and Sharon Kedar, this finance guide provides you with all the information you need to know to keep your everyday spending in check, save for big-ticket items or emergencies, and create a secure retirement plan. Thakor and Kedar's time-tested strategies have been featured in the Wall Street Journal, Forbes, The Huffington Post, and are now adapted for your specific needs, such as paying off your student loans or budgeting for your future wedding, so that you'll never be short-changed by credit card companies or banks again. With the valuable advice and concepts highlighted by On My Own Two Feet, you will achieve your life goals--and finally free yourself from financial stress.

Debt Free U

Author : Zac Bissonnette
ISBN : 1101458968
Genre : Education
File Size : 70. 29 MB
Format : PDF
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This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and must-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more. No matter what your current financial situation, he has a simple message for parents: "RELAX! Your kid will be able to get a champagne education on a beer budget!"

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