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What's the secret to becoming a millionaire? For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich, and The Finish Rich Workbook, what's the real secret to getting rich? What's the one thing I need to do? Now, in The Automatic Millionaire, David Bach is sharing that secret. The Automatic Millionaire starts with the powerful story of an average American couple--he's a low-level manager, she's a beautician--whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you'll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present. What makes The Automatic Millionaire unique: You don't need a budget You don't need willpower You don't need to make a lot of money You don't need to be that interested in money You can set up the plan in an hour David Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home. This one little book has the power to secure your financial future. Do it once--the rest is automatic!
What's the secret to becoming a millionaire? For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich, and The Finish Rich Workbook, what's the real secret to getting rich? What's the one thing I need to do? Now, in The Automatic Millionaire, David Bach is sharing that secret. The Automatic Millionaire starts with the powerful story of an average American couple--he's a low-level manager, she's a beautician--whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you'll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present. What makes The Automatic Millionaire unique: You don't need a budget, You don't need willpower, You don't need to make a lot of money, You don't need to be that interested in money, You can set up the plan in an hour. David Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home. This one little book has the power to secure your financial future. Do it once--the rest is automatic!
Imagine this. You buy a home, live in it, then buy another. You build your wealth through real estate--and then retire rich. It may sound too good to be true. But it's not. It has happened, it'shappening nowand it will continue to happen for millions of people over the next few decades. The question is, will it happen for you? If you want the answer to be "yes," then stop what you are doing and open this book. Read a few pages. Bach's simple strategies make you rich where you sleep. All you have to do is follow his easy program to go from renter to owner, and from owner to Automatic Millionaire Homeowner. The rest is automatic! What's the secret to becoming a millionaire in real estate? Since the runaway success of David Bach's #1 New York Times bestsellerThe Automatic Millionaire,people all over the world have asked David the same question--is it really possible for me to get rich in real estate? Now, inThe Automatic Millionaire Homeowner, David Bach reveals why buying a home and investment properties is not only possible, it is the surest way to reach your seven-figures dreams on an ordinary income. The Automatic Millionaire Homeownerstarts with the powerful story of an average American couple with a modest income who stretch to buy their first house for $30,000 and retire 35 years later owning a home on a golf course and rental properties worth over three million dollars. Through their story you will learn the surprising fact that even if you have cheap rent you can't get rich renting! You must first own a home, and make it the foundation on which you build your financial security. What MakesThe Automatic Millionaire HomeownerEssential: You don't need a big down payment to buy a home. You don't need great credit. You should buy even if you have credit card debt. You can buy a second home even if you'restill paying offthe first. You can get started in any market-boom or bust. It's easier to be a landlord than you think. Whether you are a renter or already own a home, David Bach gives you a lifelong strategy for real estate based on timeless wisdom that is tried and true. He includes everything you need to know, with step-by-step instructions, including phone numbers and websites so you can get started right away. His road map to ownership is easy to follow and, best of all, it makes the process totally automatic. As long as you're alive, you have to live somewhere. Why not let where you live make you rich? David Bach will show you how.
With thisessential companion to the automatic #1 national bestseller, you can put pencil to paper and make your seven-figure dreams come true! The Automatic Millionairerocketed to instant bestseller status because in its pages America's best-loved money coach, David Bach, delivered a uniquely foolproof, hassle-free plan for achieving financial security even if you have zero willpower. NowThe Automatic Millionaire Workbooklets you tailor that strategy to your own financial life in a line-by-line personal plan. The workbook features: THE WORKBOOK FEATURES: * The five questions that determine with 90 percent certainty ifyouwill be an Automatic Millionaire * Charts and checklists for paying down debtwhileyou save * A clear path for any renter to become a home owner * Worksheets to set savings goals and meet them, no matter how much you make * A game plan for paying off mortgages early * The one crucial step thatguaranteesyour financial plan will succeed * Details on where to invest, what phone calls to make, and exactly what to say when automating your financial future Along the way, you will be inspired by stories of ordinary Americans from all walks of life who are becaming Automatic Millionaires. The Automatic Millionaire Workbookmakes it easier than ever for you to put your financial life on autopilot and finish rich--without a budget. You've dreamed it, now write it and do it. The rest is automatic!
The #1 bestselling author presents his most important book since The Automatic Millionaire and gives Canadians the knowledge, the tools, and the mindset to get out of debt -- forever.Whether you are working off student loans or trying to meet the minimum balance on your credit card bill, you are probably worried every time you open your mailbox. With salaries frozen and layoffs looming, how will you ever be able to pay down that debt, let alone retire in peace?Here, David Bach offers a new philosophy made for our times, a paradigm-shifting approach to finance that teaches you how to pay down your debt and adopt a whole new way of living. If you have debt, you can be rich but still not free. When you pay down your debt, you reach Freedom Day, that glorious moment when you need a lot less money just to live. On that day, you are truly free. You can have a smaller nest egg and still retire, perhaps even earlier than you expected.With his trademark motivational energy and take-action step by step advice, Bach helps you revolutionize your finances. In these lean times, it's still possible to live your financial dreams. Let David Bach show you how.From the Hardcover edition.
GOODBYE DEBT--HELLO FREEDOM! Most of us grew up with the idea that there is good debt and there is bad debt. Good debts are generally considered to be debts you incur to buy things that can go up in value--like a home or college education. Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America's favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt. There is only debt. And all debt is too expensive-if what you desire is FREEDOM! In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before--starting today! In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom-forever! Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living, debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically. You'll learn how to calculate your Debt Freedom Day -- the actual date you will be completely free of debt. And you'll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected. David Bach has coached millions to pay off their debt and now he can guide you. Whether you have home loans, student loans, car loans, credit card debt-paying down your debt is truly a game you can win, if you know the rules. Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.
The bestselling author shows you how to protect your money and put thousands back in your pocket every year by taking on the "corporate machines" who are taking you to the cleaners. InFight For Your Money, David Bach, our favourite financial guru and consumer advocate, has written the ultimate guide to making smarter financial decisions and protecting yourself from companies who want to separate you from your hard-earned paycheque. Corporations earn billions annually from our financial ignorance. The time has come to fight back! Starting with an A to Z list of items where you are paying too much - your cell phone, cable bill, cars, credit cards, insurance, airfare, hotels and many more - Bach shows how you are being taken. Then the "Fight for Your Money Toolkit" shows you how to fight back, with sample letters, call scripts, and real-life stories of ordinary people who have fought back and won. As David Bach says, "When you are being taken financially, you work harder than you have to, for longer than you need to. When you fight for your money, you keep more of your hard earned paycheque and you spend your life doing what you really want to do. "
Do you know what a balloon payment or a credit score is? A Sharpe ratio? A market-timer? Unfortunately, most people do not know these and many other important financial terms--until it is too late. In The Finish Rich Dictionary, best-selling author David Bach defines and demystifies the language of finance, giving readers the power to understand their finances, manage their money more effectively, and plan for their future. This compact volume provides clear definitions (with frequent sample sentences and occasional usage notes) for terms such as "adjustable rate mortgage," "consumer price index," "Fannie Mae," "keiretsu," "Latte factor," "monetarism," "narrow money," "no-load," "Patriot bond," "rack rent," "Roth IRA," "Sallie Mae," "stagflation," "tiger economy," "value stock," "white goods," and "zaibatsu." In addition to the essential 1001 words, the book also includes many explanatory essays about important (and often confusing) topics. Readers can learn if they have a credit card problem and, if so, how to solve it. Other essays shed light on how to buy a home, the top ten money mistakes people make, understanding your credit score, how to hire a financial advisor, and how to plan for retirement. Finally, the book includes a list of common financial equations, an interest rate calculator table, and an extensive listing of books for further reading, making The Finish Rich Dictionary a truly practical all-around financial guide and reference book. Whether you are a business school student or a homeowner taking out a mortgage, The Finish Rich Dictionary is the ideal companion to the complex world of money and finance.
Let David Bach show you a whole new way to prosper--by going greenInternationally renowned financial expert and bestselling author David Bach has always urged readers to put their financial lives in line with their values. But what if your values are a cleaner and greener earth? Most people think that "going green" is an expensive choice they can't afford. Bach is here to say that you can have both: a life in line with your green values and a million dollars in the bank. Go Green, Live Richoutlines fifty ways to make your life, your home, your shopping, and your finances greener--and get rich trying. From driving the right car to making your home energy smart, Bach offers ways to improve the environment while you spend less, save more, earn more, and pay fewer taxes. Best of all, he shows you exactly how to take advantage of the "green wave" in personal finance without the difficult work of evaluating individual stocks. What's more, he will get you thinking about a green business of your own so you can help the world along as it is changing for the better. David Bach is on a mission to teach the world that you can live a great life by living a green life. WithGo Green, Live Rich, you can live in line with your eco-values on the road to financial freedom.
Let David Bach show you a whole new way to prosper--by going green. Internationally renowned financial expert and bestselling author David Bach has always urged readers to put their financial lives in line with their values. But what if your values are a cleaner and greener earth? Most people think that "going green" is an expensive choice they can't afford. Bach is here to say that you can have both: a life in line with your green values and a million dollars in the bank. Go Green, Live Rich outlines fifty ways to make your life, your home, your shopping, and your finances greener-- and get rich trying. From driving the right car to making your home energy smart, Bach offers ways to improve the environment while you spend less, save more, earn more, and pay fewer taxes. Best of all, he shows you exactly how to take advantage of the "green wave" in personal finance without the difficult work of evaluating individual stocks. What's more, he will get you thinking about a green business of your own so you can help the world along as it is changing for the better. David Bach is on a mission to teach the world that you can live a great life by living a green life. With Go Green, Live Rich, you can live in line with your eco-values on the road to financial freedom.
EL PLAN DE BATALLA DE DAVID BACH TE AYUDARÁ A LUCHAR POR TU DINERO AHORA, CUANDO MÁS LO NECESITASAhora mismo, lo sepas o no, estamos en medio de una batalla contra las grandes corporaciones e instituciones económicas cuyo único fin es quitarnos el dinero que hemos ganado con tanto esfuerzo.Sus reclamos engañosos, información retenida, cargos ocultos, puntos extra, multas por retraso y tarifas incrementales te están costando miles de dólares. Nosotros, los consumidores, hemos estado perdiendo la batalla porque ELLOS están mejor equipados para llevarse nuestro dinero que NOSOTROS para guardarlo. Hasta ahora. Si te enfurece que te estafen -y debería- te invito a que te unas a un movimiento de consumidores inteligentes y capacitados que están usando las herramientas y estrategias que este libro ofrece para luchar por su dinero. LUCHA POR TU DINERO te dará los conocimientos necesarios para AHORRAR miles de dólares donde más lo necesitas: *Bancos y tarjetas de crédito*Aerolíneas*Aseguradoras*Hospitales*Inmobiliarias*Televisión por cable o satélite*Telefonía, celulares e Internet*ImpuestosPasa unas horas conmigo y juntos podremos LUCHAR por tu dinero y GANAR.From the Trade Paperback edition.
¿Quieres vivir rico y jubilarte aun más rico? ¿Lo bastante rico como para hacer lo que quieras cuando quieras? ¿Lo bastante rico como para tener un impacto positivo y ayudar a los demás? Si la respuesta es "sí", deja entonces lo que estás haciendo y abre este libro. El millonario automático comienza con la impactante historia de una pareja típica estadounidense --él es administrador de bajo nivel y ella, esteticista- cuyo ingreso combinado nunca sobrepasa los $55.000 al año, aunque se las arreglan para ser propietarios de dos viviendas libres de deudas, pagar los gastos del college de sus hijos y retirarse a los 55 años con ahorros de más de 1 millón de dólares. A través de su historia ustedes conocerán el hecho sorprendente de que áno hay manera de hacerse rico con un presupuesto! Tienes que tener un plan que te pague a ti primero y que sea totalmente automático, un plan que automáticamente asegure tu futuro y pague por tu presente. LO QUE DISTINGUE A EL MILLONARIO AUTOMÁTICO: No necesitas ganar mucho dineroNo necesitas un presupuestoNo necesitas poder de voluntadPuedes establecer el plan en una hora El método fácil de Bach para asegurar que tu vida financiera sea automática trabaja mientras duermes. Todo lo que tienes que hacer es seguir este programa de un solo paso hacia la seguridad financiera...¡el resto es automático!From the Trade Paperback edition.
EL MÉTODO SENCILLO DE DAVID BACH PERMITIRÁ QUE TU PROPIA CASA TE HAGA RICO-AUTOMÁTICAMENTE.Por qué El Millonario Automático Dueño de Casa te es indispensable:No necesitas un pago inicial exorbitante para comprar una casa o un apartamento.No es necesario que tu crédito sea excelente.Debes comprar incluso si tienes deudas en tus tarjetas de crédito.Puedes adquirir una segunda propiedad incluso si todavía estás pagando la primera.Puedes hacer tu primera compra de bienes ra'ces cualquiera que sea la situación del mercado-en alza o en baja.Alquilarle tu propia casa a otra persona es más fácil de lo que piensas.From the Trade Paperback edition.
From first-time newlyweds to people on their second or third marriage, couples face an overwhelming task when it comes to money management. Nationally renowned financial advisor and bestselling author David Bach knows that it doesn't have to be this way. In Smart Couples Finish Rich, he provides couples with easy-to-use tools that cover everything from credit card management, to investment advice, to long-term care. You and your partner will learn how to work together as a team to identify your core values and dreams, creating a financial plan that will allow you to achieve security, provide for your family's future financial needs, and increase your income. Together, you'll learn why couples that plan their finances together, stay together!
Many women, whether they've managed million-dollar budgets at work or managed kids, bills, and car payments at home, feel at a loss when it comes to figuring out their finances. Now, in Smart Women Finish Rich, renowned financial adviser David Bach gives women the tools and the program they need to create a rich future. Whether you're working with a few dollars a week or a significant inheritance, Bach's seven-step program can provide a huge payoff. Smart Women Finish Rich will put you in control of your finances and your future."David Bach is a financial genius with a passion for helping women get rich. Read this book--and prosper!"--Laurie Beth Jones, bestselling author of Jesus CEO"Finally, a book for women that talks about money in a way that makes sense. David Bach is not just an expert in managing money--he's the ultimate motivational coach for women. I can't recommend this book enough. It's a must-read!"--Barbara DeAngelis, Ph.D., bestselling author of Real Moments"Finally, a financial planning guide that addresses the unique issues that women face today. But what I like the most is that David starts with the most important principle: aligning your money with your values."--Harry S. Dent, Jr., bestselling author of The Roaring 2000sFrom the Trade Paperback edition.
In Start Late, Finish Rich, David Bach provides much-needed advice for all those who've asked themselves 'Why didn't I start saving when I was younger?' Whether you're in your thirties, forties, fifties or sixties you still have the opportunity to put your life on the right track and stop worrying about the future. Using the Finish Rich wisdom that has already inspired millions of people, David Bach shows how you really can transform your finances with the right attitude and clear, step-by-step guidance. This positive, practical book is packed with a wealth of information on how to get out of debt, save more, earn more, and most importantly LIVE more! You've spent long enough working for money; now it's time to make your money work for you.
Over and over, people share their fears with David Bach, America's leading money coach and the number-one national best-selling author of "The Automatic Millionaire. "If only I had started saving when I was younger!" they say. "Is there any hope for me?" There IS hope, and help is here at last! In "Start Late, Finish Rich, David Bach takes the "Finish Rich" wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life's unexpected challenges. Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich - and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more - and most important, LIVE MORE. And he gives you the time tested plan to do it. The "Start Late, Finish Rich promise is bold and clear: Even if you are buried in debt - there is still hope. You can get rich in real estate - by starting small. Find your "Latte Factor" - and turbo charge it to save money you didn't know you had. You can start a business on the side - while you keep your old job and continue earning a paycheck. You can spend less, save more and make more - and it doesn't have to hurt. David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it's your turn. With David Bach at your side, it's never too late to change your financial destiny. It's never too late to live your dreams. It's never too late to be free.
Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires! Will you be one? InStart Over, Finish Rich,America's best-loved financial expert, David Bach, explains that 2010 will be thebest opportunity for building wealth we have seen in decades. And, as the economy recovers,you must be set up to recover with it. Bach's easy, take-action plan will show you how. Start Over, Finish Richsupplies theten crucial moves you must make in 2010to get back on track and recapture your dreams of a richer future. Learn how to: * Get out of debt * Fix your credit * Rebuild your 401k plan * Improve your 529 Plan * Takesmartrisks * Reorganize your financial life for the high tech age * Update your real estate plan * Change your thinking about money * Recommit to wealth As Bach says, "A recession is a terrible thing to waste-so don't waste this one! Use it instead to get rich. " ReadStart Over, Finish Richand let David Bach put you and your family back on the path to financial freedom. From the Trade Paperback edition.
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