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Little Book of Main Street Money: 21 Simple Truths that Help Real People Make Real Money [Kõva köide]

  • Formaat: Hardback, 224 pages, kõrgus x laius x paksus: 185x130x25 mm, kaal: 249 g, Exhibits: 5 B&W, 0 Color
  • Sari: Little Books. Big Profits
  • Ilmumisaeg: 03-Jul-2009
  • Kirjastus: John Wiley & Sons Inc
  • ISBN-10: 0470473231
  • ISBN-13: 9780470473238
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  • Kõva köide
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  • Formaat: Hardback, 224 pages, kõrgus x laius x paksus: 185x130x25 mm, kaal: 249 g, Exhibits: 5 B&W, 0 Color
  • Sari: Little Books. Big Profits
  • Ilmumisaeg: 03-Jul-2009
  • Kirjastus: John Wiley & Sons Inc
  • ISBN-10: 0470473231
  • ISBN-13: 9780470473238
Teised raamatud teemal:
"A gem from one of the most brilliant minds in personal finance." — Ben Stein, author, actor, TV personality, and New York Times columnist

In a financial world gone mad, you still need to manage your money, put your kids through college, and save for retirement. To the rescue comes Jonathan Clements with 21 easy-to-follow rules to help you secure your financial future. Clements has spent a quarter century demystifying Wall Street for ordinary, real people on Main Street, including more than thirteen years as the Wall Street Journal's hugely popular personal-finance columnist.

In The Little Book of Main Street Money, Clements brings us back to basics, with commonsense suggestions for intelligent money management. Chock-full of financial guidance that will stand up in any market, the book also reflects a financial philosophy that Clements has developed over a lifetime of watching Wall Street and writing about money—and that is even more important in the current volatile market. From the big picture (home, retirement, financial happiness) to the micro (taxes, inflation, investment costs), he offers clear-cut advice for taking control of your financial life, detailing the strategies needed to thrive in today's tough economic times.

The 21 truths outlined throughout this book are a guiding light for everyone, young and old, whether starting out or soon retiring. Each chapter reads like a Clements column—clear, pithy, and feisty. From the obvious to the counterintuitive, the truths will bolster your returns, cut your costs, and give you financial peace of mind. Collectively, the 21 truths show you how to think about your entire financial life—not just stocks and bonds, but your home, your debts, your financial promises to your children, your income-earning ability, and so much more. They will help you not only survive today's treacherous financial terrain, but also prepare you for success tomorrow.

Renowned for his spirited writing and shrewd investment guidance, Clements is the sane voice investors need to stay grounded in the midst of so much financial insanity.

Arvustused

"Any consumer concerned about money issues, from managing college to retirement, will find The Little Book of Main Street Money an excellent reference. Wall Street is demystified, with common strategies for money management geared to general readers and based on the wisdom of Wall Street successes. Taxes, inflation concerns, and investing are all covered within a series of 21 'truths' about success, perfect for general lending libraries." (Midwest Book Review) "The Little Book of Main Street Money is aptly named. . . it's unintimidating to all but the most hopeless finance-phobics. The book is also written in spare and concise language. . . Clements's sure-footed advice on fundamentals is comforting after last year's meltdown. When he strays toward more opinionated views, he's even better: Investing in your house will historically offer you a lackluster 4.7% annual return. Or, to those buying insurance as an investment. . . Best of all, Clements isn't only a sound financial planner, but something of an armchair shrink. Beating the market isn't what it's all about. It's more about meeting your personal goals and achieving peace of mind: We should strive to ensure money is enhancing our lives, rather than getting in the way." (SmartMoney.com)

The Little Book of Main Street Money . . does a brilliant job of navigating us through the post financial crash landscape. . . offers investors some tried-and-true, timeless advice, such as keeping investing simple and uncluttered by emotion. . . but what I love best about this book is the exploration of the relationship between money and happiness. Clements notes, in spite of the U.S. standard of living skyrocketing over the past few decades, that quantitative research indicates Americans are no happier than when we were less economically well off. . . Clements goes beyond the accumulation of money and essentially tells us how to convert the stored energy from our portfolio into happiness. (CBS Moneywatch.com)

"This small book . . . packs a good dose of practical financial advice to help you weather this brutal economy and work toward building wealth. Clements . . . advice goes beyond simple money management and offers tips for living a more fulfilled life. The book's nuggets of valuable information include 'We can't have it all,' 'Our Finances Are Bigger than a Brokerage Account,' 'Time Is as Valuable as Money' and 'Markets May Be Rational, but We Aren't' . . . The take-away from this book is that money is tied up in all aspects of our lives, and we should give appropriate attention to managing it wisely." (WalletPop)

"Because it is a "Little Book," each chapter is short. The entire book can almost be read in one sitting (unless youre a slow reader like I am). The concepts in the book arent new but have clearly been ignored by lots of people as you can tell by watching the news or reading the newspaper. Its time to get back to the basics and that is what Jonathans book is all about." (AllFinancialMatters)

"The Little Book of Main Street Money is far and away the best of the "Little Books" series. The advice is truly approachable and actually useful, particularly for people who are in reasonably good financial shape and have a lot of years left ahead of them. . . it just provides - in Clements' approachable writing tone - excellent basic advice and principles to follow. This advice is timeless and forms the foundation of whatever personal finance strategy you might choose to follow - this book is a great starter." (The Simple Dollar)

"From how to save more to how to invest better, this book delivers the goods on how to lead a rich life (in every sense) and does so in less than 200 pages." MoneySense magazine

This useful guide is unintimidating but chock full of excellent advice, presented in spare and concise language. Clements offers sure-footed advice on fundamentals. SmartMoney.coms list of Best Finance Books of the Year

Foreword xv
Introduction Let the Rebuilding Begin xxi
Our Finances Are Bigger than a Brokerage Account
1(10)
We Can't Have It All
11(6)
Money Can Buy Happiness---If We Spend It Carefully
17(8)
Even the Best Investors Need to Be Great Savers
25(8)
Time Is as Valuable as Money
33(8)
No Investment Is Risk-Free
41(10)
Portfolio Performance: It's All in the Mix
51(8)
Stocks Are Worth Something
59(8)
To Add Wealth, We Need to Overcome the Subtractions
67(8)
Aiming for Average Is the Only Sure Way to Win
75(18)
Wild Investments Can Tame Our Portfolios
93(12)
Short-Term Results Matter to Long-Term Investors
105(8)
A Long Life Is a Big Risk
113(8)
Markets May Be Rational, but We Aren't
121(14)
Our Homes Are a Fine Investment that Won't Appreciate Much
135(8)
Paying off Debts Could Be Our Best Bond Investment
143(8)
Saving Taxes Can Cost Us Dearly
151(8)
A Tax Deferred Is Extra Money Made
159(8)
Insurance Won't Make Us Any Money---If We're Lucky
167(8)
Even If We Have a Will, We May Not Get Our Way
175(6)
Financial Success: It's About More than Money
181(8)
Conclusion Wall Street? That Isn't So Far from Main Street 189(4)
Acknowledgments 193
JONATHAN CLEMENTS is Director of Financial Guidance for myFi (www.myFi.com), a new financial service from banking giant Citicorp. Before joining myFi, he spent eighteen years at the Wall Street Journal, where he was the newspaper's award-winning personal finance columnist. He has appeared on ABC's Good Morning America, CNBC, CNN, Fox News Channel, MSNBC, NBC's Today show, and Consuelo Mack WealthTrack, and is an occasional guest on public radio.