The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own-and the nation's-retirement security.
Falling Short offers the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans.
The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age seventy if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement.
Does your financial adviser tell you to hold on and never sell? That markets recover in the long run? Does your adviser seem to always have an optimistic disposition? Do they tell you not to worry, no matter what is going on in the outside world? In Bullshift, John J. De Goey explores the hidden relationship between bias and financial markets. He makes clear that investors and financial advisers are not the rational decision makers that economic theory assumes them to be, and that “tried and true” investment advice is not always sound. De Goey shows that advisers are immersed in a culture of Bullshift — they simply don’t realize how their positive outlook on markets is based on industry-wide groupthink. Unfortunately, this problem affects much more than just your own investment portfolio. After three years of an international pandemic, the full economic impact of the response to it still hasn’t been felt. There’s more pain coming, but the financial industry’s eternal optimism, abetted by government policies designed to consistently encourage growth and avoid tough choices, is walking us toward a cliff for the global economy.
We live in the most advanced society in history . . . and yet we have less time and less money than ever before.
The gap between financial stress and financial peace is littered with traps, myths, distractions and slick marketing designed to keep you brainwashed and in debt. In Breaking Free From Broke, George does the research for you and exposes the money myths and traps about:
• Credit cards and credit scores
• Student loans and car loans
• Mortgage mishaps and mistakes
• Investing and get-rich-quick schemes
• Marketing and consumerism tactics
In his own voice, George shares the story of how he broke free from debt and went from a negative net worth to a millionaire in less than 10 years.
Like George, nothing about this enhanced audiobook is normal. And that’s a good thing! It features exclusive content you won’t find anywhere else, like:
• Guest voice appearances by Dave Ramsey (and others)
• Sound effects and music throughout
• Recorded phone calls with people interviewed in the book
By the time you’re done with this audiobook, you’ll be confident in your ability to buck the toxic money system, ditch debt, and build wealth.
El hombre más rico del mundo vivió en el medio oriente hace 3 mil años. Tenía un salario mínimo, vital y móvil de 1.000 millones de dólares anuales y tuvo un patrimonio neto de más de 2 billones.
En cierto sentido, mucho más que Bill Gates o Carlos Slim... ¡juntos! La buena noticia, es que el hombre más rico del mundo nos dejó sus ideas escritas y sus consejos han sobrevivido a través de los milenios. Aquellos que lo obedecieron, no sufrieron la última crisis financiera sino que la aprovecharon. Aquellos que lo ignoraron, pagaron las consecuencias.
El doctor Andrés Panasiuk analiza todo el legado de ideas de este gran hombre y nos presenta 31 capítulos de fácil lectura, uno para cada día del mes. El hombre más rico del mundo te enseñará: • Cómo hacer un Plan para controlar tus gastos.
• Cómo hacer un Plan para pagar tus deudas.
• Cómo comprar seguros inteligentemente.
• Cómo hacer un plan de inversiones sólidas para tu futuro.
No se puede llegar a ser el hombre más rico del mundo por casualidad. Para llegar allí, debes pensar y actuar diferente.
This audiobook is narrated by a digital voice.
In 'Living Well, Spending Wisely: Maximizing Happiness with Less Income,' discover the art of mindful spending, practical saving strategies, and transformative ways to find joy without breaking the bank. This book empowers readers to navigate financial challenges, embrace minimalism, and invest in self-growth while cultivating meaningful connections. Learn how to live a fulfilling life on a budget and unlock the key to lasting happiness and contentment.
This audiobook is narrated by a digital voice.
'Bitcoin Mastering for Beginners: Your Comprehensive Cryptocurrency Guide and Beyond' is your ultimate roadmap to understanding, investing in, and harnessing the power of Bitcoin. In this comprehensive guide, you'll embark on a journey through the fascinating world of cryptocurrency, demystifying complex concepts and equipping yourself with the knowledge needed to navigate this digital frontier.
PART 1: THE VALUE OF BITCOIN Unveil the foundations of cryptocurrency and grasp the intricacies that influence Bitcoin's value. Explore its dual nature as both a store of value and a medium of exchange.
PART 2: INVESTING IN BITCOIN Delve into the world of investment and evaluate Bitcoin's potential as a financial asset. Discover key considerations to make informed investment decisions and explore alternative investment options.
PART 3: LEARNING AND STAYING INFORMED Stay ahead of the curve by accessing valuable educational resources for cryptocurrency. Understand market trends and peer into the future of Bitcoin and the ever-evolving world of digital currencies.
PART 4: BITCOIN AND SECURITY Learn the crucial aspects of securing your Bitcoin holdings and navigate the intricate landscape of legal and regulatory compliance, ensuring your investments remain safe and compliant.
PART 5: USING BITCOIN IN EVERYDAY LIFE Unlock the practical side of Bitcoin by exploring its everyday uses and dive into the realm of privacy, understanding how you can safeguard your personal information.
PART 6: BITCOIN AND THE ECOSYSTEM Explore Bitcoin's profound impact on finance and economics, while also considering its environmental and energy implications in an increasingly eco-conscious world.
PART 7: ADVANCED TOPICS IN BITCOIN Delve deeper into advanced concepts such as smart contracts, open-source development, and the global context in which Bitcoin operates, expanding your expertise in this groundbreaking field.
'The Way to Wealth' by Benjamin Franklin, penned in 1758 as part of 'Poor Richard's Almanack,' is a timeless essay offering practical advice on personal finance and success. Presented through the character Father Abraham, Franklin imparts wisdom using memorable aphorisms. Emphasizing the virtues of industry, frugality, and hard work, the essay advocates for diligent effort, wise investments, and prudent spending habits.
Franklin's insights stress the correlation between time management and financial success, urging readers to avoid procrastination. The essay's enduring appeal lies in its straightforward and accessible guidance on economic principles, making it a timeless source of inspiration for those navigating the journey to financial well-being and prosperity.
¿Te gustaría cumplir tu sueño de vivir de las inversiones inmobiliarias... sin necesidad de esperar años para conseguirlo?Descubre el método exacto que te permitirá generar ingresos invirtiendo en inmuebles de una forma sencilla.
Gracias a esta guía donde te explico el paso a paso, conseguirás llevar a cabo el modelo de inversión de Comprar Reformar y Vender inmuebles sin necesidad de:
… tener un título universitario
… tener mucho tiempo libre
… tener habilidades comerciales
Qué vas a aprender con este libro:
- Dónde encontrar buenas oportunidades
- Cómo saber si es una buena oportunidad
- Cómo calcular el precio al que podrás vender el inmueble una vez lo hayas reformado
- Cómo negociar el precio y conseguir buenos descuentos
- Cómo hacer una reforma óptima para conseguir la máxima rentabilidad
- Cómo vender el inmueble con éxito
- Cómo hacerlo sin dinero propio
Para quién es este libro:Este libro es para personas que quieren iniciarse en las inversiones inmobiliarias y generar ingresos que te permitan llevar la vida que quieres, siendo libre de gestionar tu propio tiempo como quieras.
Este libro es para ti si:✓Siempre has querido invertir en inmuebles pero no sabías por donde empezar
✓Buscas una nueva vía de ingresos
✓Quieres compatibilizar tu trabajo actual con la inversión en inmuebles
✓Quieres poner en práctica un método de inversión que te permitirá generar ingresos a corto plazo (y podrás repetirlo tantas veces como quieras)
Tú decides:Puedes pasarte toda la vida pensando en cómo sería poder vivir de tus propias inversiones… o ponerte a ello y conseguirlo en los próximos meses.
Así que no esperes más, haz realidad la vida que quieres y empieza a generar ingresos.
This book is tailored for individuals looking to refine their investment strategies, assuming they already possess a basic understanding of financial concepts. Moreover, it proves pertinent for finance students seeking to explore alternative perspectives and counter-arguments to widely accepted market theories.
Index funds are essentially mutual funds that mirror a specific market index, like the S&P 500. This approach has stood the test of time as one of the most effective investment strategies.
This book is tailored for the investor, not the speculator. An investor seeks a stable monetary return on their portfolio, while a speculator operates more like a gambler, aiming for quick-hit profits.
The concept of a 'Mastering Wall Street's Wealth-Building Secrets' suggests that past events don't dictate future outcomes. In investing, this means short-term gains and losses in the stock market are unpredictable. This contradicts the beliefs of many Wall Street professionals who assume they can outperform average returns through predictions.
Financial professionals typically follow two methodologies. The majority adhere to the 'firm foundation' theory, which asserts that each stock has an intrinsic value based on measurable factors. Others subscribe to the 'castles in the air' theory, suggesting stock prices are influenced by human perception and can be charted to reveal patterns.
The #1 personal finance book of all time... translated into dozens of languages and sold around the world.
Rich Dad Poor Dad is Robert's story of growing up with two dads - his real father and the father of his best friend, his rich dad - and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.
20 Years... 20/20 Hindsight
In the 20th anniversary edition of this classic, Robert offers an update on what we’ve seen over the past 20 years related to money, investing, and the global economy. Sidebars throughout the book will take listeners “fast forward” - from 1997 to today - as Robert assesses how the principles taught by his rich dad have stood the test of time.
In many ways, the messages of Rich Dad Poor Dad, messages that were criticized and challenged two decades ago, are more meaningful, relevant and important today than they were 20 years ago.
As always, listeners can expect that Robert will be candid, insightful... and continue to rock more than a few boats in his retrospective.
Will there be a few surprises? Count on it.
Rich Dad Poor Dad...
- Explodes the myth that you need to earn a high income to become rich
- Challenges the belief that your house is an asset
- Shows parents why they can't rely on the school system to teach their kids about money
- Defines once and for all an asset and a liability
- Teaches you what to teach your kids about money for their future financial success
BE STRONG......
In his groundbreaking book Do Epic Shit, Warikoo dropped this truth bomb: ‘Three relationships determine our life's course - time, money, and ourselves.’Now, in his third book, Make Epic Money, he dives deep into the complex world of money to provide you with the ultimate personal-finance blueprint. Drawing on a lifetime of experience of financial highs and lows, he shares everything he has learnt about money that he wishes someone had taught him when he was young.Prepare to unlock the secrets to financial well-being with this no-nonsense guide. Say goodbye to confusing jargon and hello to practical advice. Discover how to earn, spend and make your money work just as hard for you as you do for it.
Gerd Kommer: Die Nummer 1 bei ETFs
Das am häufigsten im deutschsprachigen Raum verkaufte Buch zum Thema passive Geldanlage geht in die 6., komplett überarbeitete und erweiterte Auflage: Coronakrise, Krieg in Europa, die höchste Inflationsrate seit Jahrzehnten – mehr als genug Gründe für Leserinnen und Leser, die eigene Geldanlage auf solide Füße zu stellen. Kein Finanzprodukt eignet sich dafür besser als ETFs. Sie sind günstig zu erwerben, haben kaum laufende Kosten und sind leicht verständlich. Der ETF-Experte Gerd Kommer erläutert ausführlich, wie Privatanlegerinnen und -anleger mit geringen Risiken eine attraktive Rendite erwirtschaften und so die Vermögensbildung selbst in die Hand nehmen können, ohne von Banken oder Finanzvertrieben abhängig zu sein.
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