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Smart and Simple Financial Strategies for Busy People |  |
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Smart and Simple Financial Strategies for Busy People | |
To start with, she tells you to forget all the complicated stuff the financial industry sells. You don't need it, it costs too much, and some of it is downright bad. It's designed to make the banks, brokers, and insurance companies rich, not you.
The best ideas (a super-short list!) are simple, low in cost, and easy to use. They're also sophisticated and smart. The strategies shown here are followed by some of the most successful planners and money managers around today, yet they're something everyone can understand. They'll give you what you need from your money -- regular savings, financial security, long-term investment growth, personal control, and best of all, peace of mind.
Once you've set up a No Worry plan, you won't have to pay much attention to it. The choices you'll find here are all good ones. All you have to do is arrange for automatic payments and contributions and then get on with the rest of your busy life. You can focus your energies on your job, family, leisure, and friends, secure in the knowledge that your finances are okay.
Here's what you'll do on the No Worry plan: Save more money without feeling pinched
Get rid of debt the automatic way
Keep yourself safe, with the right amount of insurance at the lowest cost
Zero in on the right mortgage, every time
Pick the best college savings plan for your kids
Understand your finances, in ways you never did before
Find the smartest and simplest ways of investing money, to earn superior returns over the long run
The investment ideas alone will open your eyes to the newest strategies for accumulating wealth (without making big mistakes!). Jane Bryant Quinn will change the way you think about money. She has the answers busy people need.
媒体推荐 "There is no more trustworthy figure in all of American journalism."
-- Joseph Nocera, author of A Piece Of The Action
"A practical tour de force from the maven of money. This is simply the best handbook for managing personal finances that I have ever seen. It belongs on every bookshelf -- or best yet, on every desk near every checkbook or computer."
-- Rosabeth Moss Kanter, Harvard Business School, author of World Class
"The class book for practical financial advice -- encyclopedic in scope and written with clarity and style."
-- Burton G. Malkiel, author of a Random Walk Down Wall Street
"No one is smarter about money -- or easier to read or clearer or more conscientious -- than Jane Bryant Quinn."
-- Andrew Tobias, author of The Only Investment Guide You'll Ever Need
专业书评 From Publishers Weekly
Starred Review. Quinn's latest guide to personal finance covers the usual terrain: budgeting, consumer debt, mortgages, college funds and investments. However, not every financial writer is blessed with Quinn's charm-a blend of Pollyanna and Mary Poppins with a snappy wit thrown in-and her sensible approach to streamlining one's financial life make this a stellar entry in the genre. Quinn's most useful observation is that people seldom spend money they can't lay their hands on. Hence, she advocates the use of automated account debits to "disappear" paycheck earnings into savings. Credit card debt is dispatched with admirable simplicity: request lower rates from lenders, switch to a cheaper card, or convert credit card to mortgage loan debt. While such solutions aren't foolproof, Quinn explains the caveats of such methods. Some of the more confusing, recent mutations in home mortgages-Option and FlexPay Adjustable Rate Mortgages (ARMs)-are explained and wisely cautioned against, though Quinn could easily be more emphatic in her warnings. She also addresses the topic of college tuition with a sensible bargain-hunter approach: despite the prestige of the Ivy League, many state or small private colleges offer equivalent or superior educations for considerably less money. Quinn's anecdotes about her own monetary struggles add credibility to her advice and uphold her well-deserved reputation as a source of sound financial guidance.
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.
From Booklist
No newcomer to the personal financial world, Quinn is best at conveying the simple rules of success--under many different guises, like Jordan E. Goodman's Everyone's Money Book (1993). Here, the emphasis is on streamlining financial plans and actions in today's no-time-for--anything environment. The answers? One: use automatic payments for money obligations, such as the employer retirement plan, college funds, and mortgages. Two: investigate all the insurances, and understand necessities versus nice-to-haves. Three: rely on diversified mutual funds (and continue rebalancing your portfolio) for retirement savings. Four: ensure you've compiled checklists for your critical information and know where to find your files. Her best yet? "You can't see the future. If you're saving steadily, that doesn't matter. Only a few things work, and you've found them here." Barbara Jacobs
Copyright © American Library Association. All rights reserved
目录
Introduction
1. Getting Started
Why Am I Even Reading This, I Don't Have Time!
2. Spending and Saving
I'm Too Busy to Budget, Fuhgeddaboudit
3. Wipe Out Your Debt
Financial Ecology: Use Your Money, Don't Throw It Away
4. Your Safety Net
I Really Don't Mean to Scare You, But...
5. Buying a House
At Last -- A Way Through the Mortgage Maze
6. Paying for College
College! Yikes! No Way Can I Save That Much
7. Better Investing
Good News: The Smartest Investments Are the Simplest Ones
8. Wrapping Up
Keeping Score, Keeping Track, Keeping Cool
Appendix: The Ballpark Estimate
Acknowledgments
Index
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文摘
I think I can change your financial life, from muddle-along to easy, permanent success. That's why I wrote this book.
"Easy" sounds phony but trust me, it's not. Of all the ways of managing money, nothing beats the simple ways. I'll go even further -- the simple ways are not only smart, they're also the most sophisticated. It takes a clear head and a wise eye to distinguish the good from the bad in the confusing world of personal finance. Only the good can make you financially secure.
From experience, I know how much time it takes to find the financial products that work the best, and time is what nobody has today. The path of least resistance carries you toward the usual stuff that the money industry sells -- investment, insurance, and banking products with high (and often hidden) fees. They're what most people buy, so you figure they must be okay.
I wish that were so. When you really study this subject, as I have, you learn that what's on offer is mostly mediocre and sometimes downright bad. The products are expensive, which wastes your money. They're often complicated, with risky angles that you didn't know about. If you pick your own investments, you may choose things that don't go together well, leaving big gaps in your security fence. If you buy from brokers and planners who earn commissions, you may find yourself trapped in a poorly performing product that you don't understand. Even your company's 401(k) may be stuffed with losers. Maybe everything will still work out, but maybe not. No wonder so many people feel a little bit anxious about their money, and out of control.
It doesn't have to be this way! Managing money isn't hard as long as you keep it simple. Not only are simple products, er, simple to understand, they cost less, gain more in value, and leave you more secure. In this book, you'll find the most straightforward, sensible prod
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