what your financial advisor isnt telling you the 10 essential truths you need to know about your money

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What Your Financial Advisor Isn T Telling You

Author : Liz Davidson
ISBN : 9780544633346
Genre : Business & Economics
File Size : 54. 39 MB
Format : PDF, Docs
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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.

Prosper

Author : Chris Martenson
ISBN : 9781937832773
Genre : Business & Economics
File Size : 40. 23 MB
Format : PDF
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The Next 20 Years Will Be Completely Different From The Past Current global trends are bleak: weak economic growth, too much debt, declining incomes for the lower 99%, a dangerous addiction to fossil fuels, and ecological destruction – just to name a few. Many of us understandably feel resigned to an eroding standard of living in the years to come. At best. But what if we told you that there are specific, attainable steps you can take today that can limit your vulnerability to these trends and help you be: - Richer - Live with greater purpose - Healthier - More valued by others - Happier - Safer from harm That’s exactly what Prosper! offers: a blueprint for taking control of and improving your destiny. It outlines practical, actionable investments of your time & resources that will ensure you enjoy greater prosperity in your life, whatever the future may bring. In Prosper!, Martenson and Taggart will explain: - The trends mostly likely to shape your life over the next 20 years - Why developing resilience offers your best chance for thriving, even though society may suffer from the changes these trends may bring - How to build true wealth - What specific actions to take now to secure a prosperous future, no matter what the future holds - How everybody can benefit from this guidance, regardless of age, income or ability How we can best serve the next generation by the actions we take today Prosper! is the highly anticipated follow-up to Martenson’s acclaimed book The Crash Course (Wiley, 2011)

Pound Foolish

Author : Helaine Olen
ISBN : 9781101575307
Genre : Business & Economics
File Size : 55. 14 MB
Format : PDF, ePub
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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.

How To Make Your Money Last

Author : Jane Bryant Quinn
ISBN : 9781476743783
Genre : Business & Economics
File Size : 83. 17 MB
Format : PDF
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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).

Your Money Or Your Life

Author : Vicki Robin
ISBN : 1101539704
Genre : Business & Economics
File Size : 58. 95 MB
Format : PDF, Mobi
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The "the best book on money period" according to Grant of Millennial Money (as featured on CNBC Make It), who followed its advice and became a self-made millionaire entrepreneur in only five years In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this updated edition of the bestselling Your Money or Your Life is an essential read. Millennial Money's Grant explains: "The premise of it is that you exchange your time for money. And when you start thinking about how many hours of your life it took to save up the money to buy something, you really start thinking twice about your purchases." In Your Money or Your Life, Vicki Robin shows readers how to gain control of their money and finally begin to make a life, rather than just make a living. With this book, you'll learn how to: • Get out of debt and develop savings • Save money through mindfulness and good habits, not strict budgeting • Declutter your life and live well for less • Invest your savings and begin creating wealth • Save the planet while saving money • And much more! "The seminal guide to the new morality of personal money management." -Los Angeles Times

The Truth About Your Future

Author : Ric Edelman
ISBN : 9781501163821
Genre : Business & Economics
File Size : 42. 51 MB
Format : PDF, Kindle
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New York Times bestselling author and legendary investment guru Ric Edelman reveals his forward-thinking guide on how technology and science will reshape the way we save, invest, and plan for the future. Technology and science are evolving at a blistering, almost incomprehensible pace. The Human Genome Project took eleven years and $2.7 billion dollars to complete. Today, it would take two days to finish, and cost less than getting a pizza delivered. It’s estimated that forty percent of the current Fortune 500 companies will no longer exist by 2025. In 2005, half a billion devices were connected to the Internet. By 2030, that number will reach one trillion. The traditional paradigms of how we live, learn, and invest are shifting under our feet. Ric Edelman has seen the future, and he explains how smart investors can adapt and thrive in today’s changing marketplace. Using the same prophetic insight that has made him an iconic financial advisor, Edelman offers sound, practical investment advice through the lens of recent scientific and technological advancements. He illustrates how discoveries in robotics, nanotechnology, 3D printing, solar energy, biotechnology, and medicine will redefine our life expectancies, careers, and retirements. As we live and work longer, Edelman provides clear advice on how to recalibrate the way we save for college, invest during our careers, and plan for retirement. The Truth About Your Future, featuring Edelman’s proven advice and trademark humor, is a timely, must-have guide for anyone serious about successfully adapting to the ever-evolving financial landscape.

Winning The Money Game

Author : Adonal Foyle
ISBN : 9780062342614
Genre : Business & Economics
File Size : 78. 3 MB
Format : PDF, ePub, Docs
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A successful NBA veteran offers essential financial management advice for athletes, their families, and the fans to help them protect and keep their wealth. Over his sixteen-year career, former NBA center Adonal Foyle has watched other pros burn through their salaries, endorsement, and merchandising money, creating serious financial and legal hardships. While top professional athletes make millions, many have little in their bank accounts soon after hanging up their jerseys. Sixty percent of NBA players are broke within five years of retirement. Nearly eighty percent of NFL players are strapped within two years of retirement. Winning the Money Game offers much needed advice and insight to help these players—and the rest of us—manage money better. Drawing on experiences from his career, as well as interviews with current and retired athletes and financial pros, Foyle compiles a comprehensive list of money pitfalls as well as practical approaches to avoid them. In his straightforward, warm, and humorous voice, he breaks down expenses point by point, from taxes to luxury goods to family needs, outlining essential dos and don’ts to help you spend, save, and grow your money wisely. Smart, concise, and packed with proven advice, Winning the Money Game is a life guide for pros—and everyone who wants to protect their wealth.

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