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Achieve a Healthy, Balanced, and Richly Rewarding Life! Have your goals and dreams gotten lost in your daily struggle to earn and provide for your family? If so, join Ric Edelman on a journey to self-discovery and personal fulfillment. In Discover the Wealth Within You, he shows you how to choose fun, enriching ... and rewarding goals and gives you a simple, straightforward plan for achieving them. You'll discover how easy it is to create wealth, once you're headed in the right direction. After using Ric's work sheets to help you get started, you'll embark on a detailed exploration of personal investing and discover Ric's formula for creating a plan to achieve your goals, build your financial future ... and finance your dream.
In troubled times, it is only natural to worry about our financial security. That's why now is the time to act -- to preserve your financial well-being, and that of your family, and to ensure your peace of mind.Financial expert and best-selling author Ric Edelman has written this guide to help all of us quickly safeguard our economic lives. Edelman's eight-point action plan -- actions that you can take right now -- will help you protect yourself and your family, as well as your money, your income, your job, your home, your possessions, and your business. You'll learn how to manage the powerful emotions that can cloud your financial judgment, and find the guidelines you need to make the right investment decisions now that will secure your investments today and prepare you for the future.And because it is more important than ever that we be generous in our charitable giving, you will learn the best ways to give, so you can lend support to all our neighbors who are in such dire need of our help.Financial Security in Troubled Times will help all of us face the future, knowing that our financial house is in order and that we are ready to meet the challenges ahead.
RIC EDELMAN has helped more people achieve financial success than any other practicing financial advisor. In 2007, Wealth Manager magazine listed his firm as the largest in terms of number of clients. Barron's four times named him among America's top 100 financial advisors in the country, and in 2004, Ric was inducted into the Financial Advisor Hall of Fame. His books have a million copies in print, including several foreign languages, and have topped the New York Times bestseller list. His national radio show, PBS television specials, syndicated newspaper column, and award-winning Web sites make him a house-hold name. Consumers love Ric's unconventional yet common-sense approach to investing and personal finance. He revealed how everyday Americans achieve financial security in the #1 New York Times bestseller Ordinary People, Extraordinary Wealth. His first bestselling book, the personal financial classic The Truth About Money, was named Book of the Year. Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds -- practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money, Ric's provocative new work, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments -- and your financial future. Ric's unparalleled ability to explain complex financial concepts in a fun and entertaining way resonates with readers. In this book -- his first in more than five years -- he shares his most valuable lessons gained through two decades of working directly with individuals and families. He reveals the lies that have infiltrated your retail mutual funds and retirement accounts, and teaches you how to invest your money in your employer retirement plan, how to save for college, and for those who are retired, how to generate more income without sacrificing security. He shows you that proper money management has nothing to do with "hot tips" and everything to do with scientific analysis, bolstered by solid academic research and historical data. Ric explains exactly how the mutual fund scandal has caused him to change the way he manages his own money and the money entrusted to his firm by thousands of clients nationwide. Along the way, Ric shows you the secrets to investment success -- a long-term focus, the importance of diversification, and the crucial need for (and methods of) portfolio rebalancing. And the book doesn't stop there -- it will actually help you build an investment portfolio, one designed specifically around your needs. The book features a 24-page color insert containing 43 portfolio models, each based on the Edelman Managed Asset Program, one of the largest and fastest-growing money management programs in the country. Ric's fun, interactive Guide to Portfolio Selection¨ will lead you on a fascinating journey through the book's pages, taking you to the portfolio that's right for you! With insight and strategies that will change people's lives, The Lies About Money offers the truth that everyone is looking for.
Are You Playing By the New Rules? Forget what you know about personal finance. The old rules no longer apply. Ric Edelman's 88 strategies, tailor-made for today's economy, will show you how to achieve financial success. Ric is famous for making personal finance fun, and you'll discover how easy it is to put his advice into action! Is it smart to buy company stock with your 402 (k) plan? Discover the right way to handle your company retirement plan. See Rule #85 Learn why you must carry a big, long mortgage -- and never pay it off! See Rule #21 Learn why not to invest in the new Roth IRA-and discover the most powerful anti-tax investment available today. See Rules #69 and #76 Planning to retire? Learn why you won't -- and what you must do instead. See Rule #88 Find out why those who invest in S&P 500 Index Funds will wish they hadn't. See Rule #36 Learn why that higher - paying job could actually cost you money. See Rule #32
How did a secretary, a firefighter, a retired naval officer, a housewife, a construction worker, a schoolteacher, and a pharmacist become wealthy? Bestselling author Ric Edelman has studied the wealth-making habits of these and 5,000 other ordinary Americans.What he found is revealed for the first time in this book: the eight great secrets to attaining wealth. This extraordinary book is filled with the advice of everyday people-people like your own friends and neighbors-who entered the world of personal finance, often with no real plan at the start, but who found ways to accumulate astonishing amounts of money. A rich, irreplaceable lifetime of wealthbuilding experience is now at your fingertips.Here you will learn to arrange your finances and make your investment decisions so you can reach your goals and achieve financial security. Including: How to turn your mortgage into a wealth-enhancing tool; Why small investments work better than big ones; How to max out on your employer-sponsored retirement plan; Your investments: when to hold them and when to fold them; Financial news: when to pay attention and when to turn it off; Plus, of course, much, much more.Let your neighbors lend you a hand and let Ric Edelman guide you through their lessons. So come along for an eye-opening journey with thousands of ordinary folks who found their way to extraordinary wealth. Five thousand of your neighbors found hard-won financial success using the same eight secrets to attaining wealth. The lessons they learned through many years of life experience, and lots of trial and error, can now be yours! After studying the habits of thousands of financially successful people, bestselling author Ric Edelman found that they shared eight fundamental methods for attaining wealth. Now you can adopt these same eight strategies yourself.Let the extraordinary experience of ordinary investors-along with Ric Edelman's expert analysis-help you create your own financial success story.
Ordinary People, Extraordinary Wealth: The 8 Secrets of How 5,000 Ordinary Americans Became Successful Investors--and How You Can Tooby Ric Edelman
How did a secretary, a firefighter, a retired naval officer, a housewife, a construction worker, a schoolteacher, and a pharmacist become wealthy? Bestselling author Ric Edelman has studied the wealth-making habits of these 5,000 other ordinary Americans and reveals his findings in this extraordinary book that outlines in eight easy, practical steps to achieving and maintaining wealth. Here you'll find a lifetime of wealth-building experience from people just like you -- people who have figured out how to arrange their finances and make wise investment decisions so that they can reach their goals and achieve financial security. Plus, you'll find tips on How to turn your mortgage into a wealth-enhancing tool Why small investments work better than big ones How to max out on your employer-sponsored retirement plan When to hold investments and when to fold them When to pay attention to financial news and when to turn it off Let your neighbours lend you a hand. And let Ric Edelman guide you through their lessons in this eye-opening journey with thousands of ordinary folks who found their way to extraordinary wealth.
If you're scared or confused about how to handle your investments and fed up with "advice" from brokers, advisors, and media darlings that has cost you huge sums and placed your financial security at risk, the cure is in your hands. Ric Edelman, an award-winning advisor with more than two decades of experience, reveals the one investment goal you should have, the two obstacles you'll face, and why you've been failing with your investment strategies. Above all, he shares the secret to successful investing -- and even includes a special section for those who are already retired. Rescue yourself from the pain of watching your life savings go down the drain. Regain the confidence that your investments can provide you with lifelong financial security and prosperity. Get a great night's sleep by not having to lie awake worrying about your investments.
Home Sweet Home: How to buy your first home, your next home and save on taxes when you sell. A-Z of Investments: From annuities to zero-coupon bonds, go from owing money to OWNING money. Get out of debt (and stay that way). Estate Planning & Long-Term Care: Learn how to protect yourself and your family.
The Personal Finance Classic . . . that's fun to read! You Need the Truth About Money Completely revised and expanded, The Truth About Money shows you everything you need to know about personal finance-and explains it all in plain English. Investments, insurance, taxes, mortgages, leasing cars, getting out of debt, wealth planning for multimillion-dollar estates-it's all here for you. Whether you're saving for college or retirement, buying a home or selling one, concerned about long-term care for yourself or your parents, worried about an impending job loss, or facing any financial decision, knowing what's in The Truth About Money will help you make great financial decisions. New to This Edition Planning Your Retirement Lifestyle Learn how to retire in comfort and financial security (and what to do when you get there) (pg. 485). The Best Investment Choice Learn how ETFs can help you create wealth while saving you big money (pg. 176). Target-Date Funds It's what you don't know that can hurt you (pg. 269). Behavioral Finance and Neuroeconomics Learn why you make bad financial decisions-and how to break the cycle (pg. 224). Picking the Best Funds Find out the truth about Morningstar ratings (pg. 250). Are Your Parents Aging? See how best to provide help-without harming yourself financially (pg. 374). The Most Important Financial Decision You'll Make Find out how to make this decision successfully (pg. 631). Plus more than 100 Pages of New Content!
From one of America's most trusted financial advisors: a guide to making the most of your retirement plans and assuring long-term financial security.Everyone knows that investing in your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That's because 401(k)s, 403(b)s, 457s, and IRA plans are complicated, confusing, and costly. New York Times bestselling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees, and has accumulated his advice in this book.Edelman has created a step-by-step guide. With illuminating examples and simple explanations, he shares everything you need to know as a plan participant: how much you need to retire comfortably, how to make wise choices among your investment options, and how to maximize the benefits of your 401(k). Along the way, he debunks the myths and clears up the confusion.
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