Book Description
Packed with important stuff you need to know, and spiced with real-life stories of "entry-level" investors, cool facts (like the fact that between your 18th and 30th birthdays, you will likely hold an average of 7.5 jobs), and references to rock and pop songs, this hip, "tell-it-like-it-is" guide focuses on the basics of investing, stocks and bonds, mutual funds, short term saving and long term investing. Emphasizing that a person is never too young to think about investing, it includes definitions of important terms and concepts such as return, liquidity, risk, dividend, yield, and the stock market indexes; information on how to research a company, purchase stock, and select a mutual fund; and detailed explanations of 401(k) plans and IRAs.
Customer Reviews:
Start here, start NOW!.......2003-08-28
Ever traded baseball cards or comicbooks? You?ve taken your first step in investing!
This book succeeds where many others fail: It does an excellent job of breaking into layman's terms the most complex investing and financial concepts, while at the same time making the whole thing completely relatable for someone who knows *nothing* about investing. That is a talent many wish they had. This is no mean feat when you consider all the jargon you have to learn. Now, imagine having fun while doing it! Wow! Eric Tyson, eat your heart out!
Sure, it?s been a while since this book first came out, so you know it needs a little updating...get over it! I still give the book five well-deserved stars. I appreciate the authors for writing such an awesome little book, as reading a book is a big investment of time, and reading this book was definitely worth it.
Share it with a teen or twenty-something you love, and give them the gift of setting them on the path to becoming investors.
A MUST READ for people in their teens and twenties!.......2000-07-27
Before I bought this book, I was probably like a lot of young people out there... ya get paid from work and you go blow it on the weekend with your friends at the mall. You just manage to get your bills paid off, and wonder why you can never seem to get a decent amount put away in your savings account? People, wake up! This is the time you should be saving for your future, or you'll regret that you didn't when you get older! I bought this book with determination not to spend every dollar I make and how to put my money towards my future. The book gives excellent explainations on the stock market and how it works, and even explains all those Wall Street symbols in a way that it's actually fun to read! It explains everything from savings accounts, to stocks and bonds, to IRAs! When I was finished reading the book, I was so glad I had read it when I did, because the later you wait, the more you're wasting time! I recommend this book to all! Read it and you'll be glad that you did!
An excellent piece of information........1999-07-04
This is an excellent book. It makes so easy to understand - all those complicated stock terms, author makes use of beautiful examples from time to time. It is a must have for every person who wants to invest money in stocks etc. (may be, except the ones, whose primary carrier is stocks or stock trading). I myself bought and sold stock over the last few years but never understood the terminology completely. It is nice to have it in my library - Thanks to the authors.
A personal library must! Says a Cincinnati Investor........1999-03-30
There is absolutely no better tool in the market today. It's a great handbook for those sophisticated Generation X'ers, and an even a better tool for that worldly, younger new generation who are blazing trails right behind the X'ers.
Hey Boomers, your children, the N'Gens, are going to take the world by storm. With your ideas and their cohesive, cooperative energetic spirit, there isn't anything that they won't accomplish.... But without the financial skills so wonderfully illustrated in this book, your child will be left behind the pack. He or She will fail to live up to their unbelievable potential.
As an owner of this book, I can honestly attest to its value. I think it should be part of every high school senior's core curriculum! It is the only book that can make sure your child is ready to assist his/her peers in shaping the future of America and the World.
If your school board has not yet adopted this text, then please makes sure before your son or daughter goes off to college this fall that they have this guidebook to the world of life. America and for that matter the World will be grateful.
A Financial Analyst and Real Estate Investor (Cincinnati, Ohio)
This is a fabulous introduction to investing........1999-03-21
If you're a twenty- or thirty-something looking for an accessible, useful guide to investing, look no further. This is a great how-to guide to the markets, written in an inviting yet not condescending style. Buy it. Read it. Tell your friends.
Average customer rating:
- Not only identifies problems, it also offers solutions
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Saving Black America: Economic Civil Rights
John Yancy, Ph.D. Odom
Manufacturer: African American Images
ProductGroup: Book
Binding: Hardcover
 Economic Conditions
| Economics
| Business & Investing
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Civil Rights & Liberties
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America
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ASIN: 0913543748 |
Book Description
While a decade of national prosperity has largely left African Americans behind, this book takes a look at the causes of black economic oppression and offers challenging steps to overcome this problem. Rather than relying on a victim's mentality, this book addresses the reasons why African Americans earn over $530 billion, yet spend less than 3 percent with black-owned business. Also discussed are black churches and organizations and their failure to be economic leaders in their communities.
Customer Reviews:
Not only identifies problems, it also offers solutions.......2002-02-08
In Saving Black America: An Economic Plan For Civil Rights, consultant, educator, and civil rights leader John Odom addresses the very real issues of poverty and finance that directly affect millions of African-Americans today. Focusing in turns on the dilemma of whether Civil Rights organizations can accept donations from predominantly white foundations and remain focused on liberation strategies, why and how one third of African-Americans today live below the poverty line and what should be done about it, and much more. An absolute must-read for every American civil rights activist, Saving Black America not only identifies problems, it also offers solutions and blueprints to put in action for a better tomorrow.
Book Description
A former vice-president of Fidelity offers indispensable advice for the millions of baby boomers hitting 50, 55, and beyond. The author of "Don't Die Broke," she focuses on spending and living off retirement savings, while other books are geared towards saving for retirement.
Customer Reviews:
Turtlehut incorrect.......2005-07-29
In Turtlehut's review he/she said social security answer ID277 indicated that certain income was not counted in determining if there was to be an income tax on benefits. That is not correct. That information relates to the earnings limit test,or how much income is counted on which a worker pays fico taxes into the fund. There are people who collect pensions and still work. I should know, I pay income tax all my retirement income including social security and it is punitive. The tax was imposed in l983....thank Ronald Reagan and his revolting congress.
Right On Retirement.......2004-09-18
Geez, I find Tut's review inappropriate. My copy had an errata sheet with a correction for the error that is cited, which is more than I can say for some of the other books I've read on retirement. The book is readable, comprehensive and not too technical. I found answers to a lot of my questions. I particularly liked that I could find the information I needed without reading the whole book. Malaspina seems to know enough about her audience to have anticipated the key issues and organized them from the most basic to the most arcane. My advice: If you are within 5 years of retirement, this book should be on your "must read" list.
First thing I read was wrong.......2004-04-18
I just received this book and thumbing through it read Ohapter 14 on Social Security. On page 141 she that at age 62 you lose $1 in benefits for every $2 in earnings above $11,500 - which is correct. But then she goes on to saying "You can't get around these reductions in benefits by supplementing your Social Security income with withdrawals from your other savings or retirement plans. CAPITAL GAINS, dividends, interest income, and any other withdrawals from your retirement plans or accounts count as income and you fail the test if you push past $11,500 or $30,000 regardless of source."
This seemed wrong to me so I went to the Social Security web site. The SSA says (answer ID 277): "Nonwork sources of income, such as: inheritance payments, pensions, income from investments, IRA distributions, interest, or other sources do not count as wages for the earnings test."
What other errors are there in this book? I don't trust it after 30 minutes of reading, certaintly not to help with my retirement decisions. At least I only lost the cost of the book
Retirement advice you can actually understand.......2003-03-11
I stumbled across this book browsing in my local bookstore and I couldn't believe my eyes. It laid out everything you need to know to retire. It is extremely well-organized and well-written. I gave a copy to my financial advisor and told him I finally understood all the stuff he was trying to explain to me.
Enter the maze...........2003-03-11
This has to be one of the most boring topics in the field of financial advice. The proliferation of retirement savings plans, the maze of regulations, exceptions, and judgement calls that have to be considered by the average retiree is almost numbing. It's boring in the abstract. But it gets your attention when it's your money and future in the balance. Bascially simple rules for accumulating retirement wealth and accessing it continue to evolve like a patchwork quilt. Malaspina is relentless in her efforts to cover the topic and we are the beneficiaries. Chapter 21 treats the issue of company stock held in a retirement plan and how it can receive tax advantaged treatment. Malaspina does an even-handed job of explaining the risks and discusses whether it makes sense to take advantage of this often overlooked opportunity. Information "For Women Only" and non-spousal partners (Chapters 22,23)is dealt with briefly, but it also very useful. One important retiree misconception that does not appear in this book: Many otherwise sophisticated investors facing annual required mandatory minimum withdrawals from their IRA's at 70 1/2 don't realize that assets do not always have to be sold to comply. Many investment assets can be moved 'as they are' into a non-IRA account at market value thus avoiding unnecessary sales charges and the loss of a worthy investment.
Product Description
While everyone agrees that Social Security is a vital and necessary government program, there have been widely divergent plans for reforming it. Peter A. Diamond and Peter R. Orszag, two of the nation's foremost economists, propose a reform plan that would rescue the program both from its projected financial problems and from those who would destroy the program in order to save it. Since the publication of the first edition of this book in 2004, the Social Security debate has moved to the center of the domestic policy agenda. In this updated edition of Saving Social Security, the authors analyze the Bush Administration's proposal for individual accounts and discuss the so-called "price indexing" proposal to restore long-term solvency through changing how initial benefits would be calculated. Saving Social Security is essential reading for policymakers involved in reform, analysts, students, and all those interested in the fate of this safeguard of American lives.
Customer Reviews:
Should we keep Social Security limping along?.......2005-02-24
The authors do a passable job of explaining how Social Security has gotten to where it is.
Unfortunately, they never discuss what Social Security is.
Social Security is an intergenerational welfare program. Money is taken from the young, and given to retirees.
We can "Save Social Security" - by increasing taxes, reducing benefits, and using all sorts of accounting tricks.
But should we?
Retirees are living in comfort - while young people are being paid less and are struggling to survive.
Retirees have health insurance - while young people are likely to have none.
Social Security has lasted as long as it has because people saw it as a good deal - you got more out of it than you paid in.
Young people know that this is no longer true. They see no armies of children to support them in their old age. To pay for their retirement and medical costs.
What the authors suggest is that we continue to force young people to pay for retirees to live in comfort and health.
This means that young people will be forced to work until they drop. Every moment of their lives, they will live in fear that a medical emergency will drop them into the financial abyss.
And they will see retirees living in comfort and health - taking vacations, clogging the roads with their RV's.
This doesn't sound fair to me - or to the young people under 45 I talk to.
Does it sound fair to you?
Peter Simmons Author - The Next Crash
Only Balanced on the High End.......2005-01-04
First, the good things. This text gives a general understanding of how the 75-year projection has gone from on-balance in 1983 to off-balance in 2003, it provides many examples of possible errors in the system, and it gives good recommendations to the current system to enhance the ability of Social Security to remain in balance once it has been restored, namely things like adjusting retiree benefits for changes in expected life span over and above projected changes and including a universal legacy charge which does not eliminate the legacy cost but, rather, creates a stable legacy cost over time such that the cost of the system is being borne by all rather than only one generation (ours!). These earn the book 4 stars.
The authors state in chapter 3 their five goals for Social Security reform: "restor[e] Social Security to a sound financial footing, reduc[e] the future burden from Social Security on the rest of the Federal Budget, shar[e] the ongoing costs of the program's past generosity in a fair manner, preserv[e] and strenghten the program's social insurnace function,s and ensur[e] that, on balance, the changes enhance the overall performance of the economy." Given that the current 75-year projection by the Office of the Chief Actuary now shows a 1.9% of payroll imbalance, the authors contend that this imbalance should be corrected by not just revenue increases (higher payroll taxes, new estate taxes, or a non-renewal of the 2001 and 2003 tax cuts) or benefit reductions, but both. In fact, this is the type of balance they propose - that all parties should share in the costs of the system equally. This "all parties" mentality leads them to include those state and local government workers currently not covered by the program, but conveniently (or maybe politically correctly) leads them to EXCLUDE all current retirees and near-retirees (those retiring in the next 10 years or so). The "all parties" mentality also belies their obvious disdain for the higher-earning cohorts of the country, in that many of the balance reforms do not balance reductions in benefits across all earnings groups with tax increases across those same groups, but mostly balances the increased revenue from taxing higher-wage earners more with decreasing benefits to those same high-wage earners through incrasing the "progressivity" of benefits. Such inconsistency in comparing apples to apples (for example, continually discussing the 2001 and 2003 tax cuts and options to reinstate those taxes as revenues dedicated to Social Security, when in fact these tax cuts are outside the scope of Social Security, and should have stayed there throughout the whole text) as the authors like to say they are doing causes them to lose 2 stars.
Overall, this book provides both positive analysis and negative inclusion of meaningless comparison. It is good for background to understand what the dilemma is truly about, but their whole package will probably not be, and should not be, implemented, though certain specific parts are appropriate.
A highly recommended ray of hope.......2004-07-17
Written by the chair of the board of the National Academy of Social Insurance and a former special assistant to the president for economic policy during the Clinton administration, Saving Social Security: A Balanced Approach Proposes a reform plan for America's social security system that would save it from both its financial problems and those who would do away with it. Focusing on means that promote long-term balance and sustainable solvency, while protecting the program's benefits for the disabled, low earners, widows, and young survivors. Exhaustively researched and deeply entrenched in practical issues and mathematical calculations, Saving Social Security is a highly recommended ray of hope against a looming national crisis.
Average customer rating:
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Household Portfolios
Manufacturer: The MIT Press
ProductGroup: Book
Binding: Hardcover
General
| Popular Economics
| Business & Investing
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General
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Pricing
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Demography
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| Qualifying Textbooks - Fall 2007
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| Qualifying Textbooks - Fall 2007
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ASIN: 0262072211 |
Book Description
Until recently, researchers in economics and finance paid relatively little attention to household portfolios. Reasons included the tendency of most households to hold simple portfolios, the inability of the dominant asset pricing models to account for household portfolio incompleteness, and the lack of detailed databases on household portfolios in many countries until the late 1980s or 1990s. Now, however, the analysis of household portfolios is emerging as a field of vigorous study.
The eleven chapters in this collection provide an overview of current theoretical knowledge about the structure of household portfolios and compare predictions with empirical findings. The book describes the state-of-the-art tools of analytical, computational, and econometric investigation, as well as some of the key policy questions. It provides an original comparative analysis of household portfolios in countries for which detailed household-level data are available (the United States, the United Kingdom, Italy, Germany, and the Netherlands). Finally, it uses microdata for an in-depth study of the portfolio composition of population groups of special policy interest, such as the young, the elderly, and the rich.
Customer Reviews:
valuable resource.......2002-07-03
This book is a valuable resource for any economist interested in the subject of household portfolios. It provides a comprehensive overview of the state of research on portfolios, including theory, data sources and distributional and institutional aspects. Much of the work presented isn't especially original, but it's all carefully and thoughtfully done and usefully collected in one place. The cross-country comparisons are insightful and new. Overall, this is required reading for those interested in this field.
Product Description
From Social Security to healthcare, from crime to taxes, today's senior citizens face challenges that can only be met by getting involved in the political process, and voting is just the first step! These 25 steps will help you influence policymakers at any level of government. Learn such essential grassroots lobbying strategies as letter-writing campaigns, petition drives and press conferences, as well as discover new techniques like e-mail, web sites and talk radio. Drawing on more than his three decades as a lobbyist in Washington, Gary Jarmin shows how organized activism can translate into political power for your seniors group, civic club, church and you.
Customer Reviews:
Ownership is THE Key!.......2004-10-20
I am not an economist but that has not prevented me from seeing the solid and compelling arguments laid out in this book to truly turn the United States into an "ownership" society. Many may feel we already have that. I would agree that we have it to a point. But, there are too many structural impediments to real democracy in the capital markets resulting in greater and greater polarization of wealth in our society. If unchecked, I fear that this trend will lead to more and more disengagement on the part of my fellow citizens.
The United States has always been a beacon to the entire world as a result of our economic and political freedom. This book offers a new economic paradigm that will not only continue that but, more over, significantly elevate the US even more as a source of new and exciting ideas that help EVERYONE build a better life.
The proposals in this book are bold. But they are so compelling and, at least in my view, so intuitively correct that they must be heard."
Very timely in an election year........2004-08-24
Our political leaders need to take a long, hard look at Capital Homesteading if they're truly serious about the future of our democracy. As it is currently structured, Social Security reminds me of a federally guaranteed Ponzi scheme. At what point are future generations going demand that they be allowed to opt out of a system that is becoming increasingly unfair?
Capital Homesteading offers a comprensive solution for restructuring Social Security around a new frontier, not one based on land, but based on a different kind of property. In the tradition of George Mason, Capital Homesteading offers a mechanism for ensuring that every individual would have the means of aquiring and possessing property in America's new frontier. Today, America's new frontier is limited only by the creative capacity of Americans to come up with better ideas, inventions, technology, and thrive in the global marketplace. Our political leaders need to adopt a national strategy for rebuilding our country as a nation of owners, because we are quickly becoming a nation of wage serfs. Such a strategy is sitting on the shelf, available at Amazon.com, waiting for a leader to adopt it as his own, and win the undecided voter.
excellent!!.......2004-06-29
This is a great book. The book offers solutions on how to narrow the gap between the rich and the poor, encouraging employees to become owners of their company, overhauling the current taxation system, and reforming the Federal Reserve's monetary policy.
I would recommend this book to everyone. You don't need whole lot of background in economic to read this book.
Review of Capital Homesteading for every citizen.......2004-02-07
My sincerest congratulations to Norman Kurland, Dawn Brohawn and Michael Greaney for authoring such an impressive book on Capital Homesteading and how it can avoid bankrupting the Social Security and radically improve the competitiveness of basic industries in America. I am very impressed at the comprehensivenes of this book in addressing through a more just free market system a whole host of economic problems that up to now, seemed to be hopeless. The book is also very timely in that I and other seaman of Oglebay Norton Marine Services recently formed an association called the Oglebay Norton Employee Economic Empowerment Association (ONEEEA) to initiate an employee buyout of the Great Lakes vessels owned by our financially ailing company. The Capital Homesteading book helped me tremendously to understand why many corporations are experiencing financial difficulties and why our economy is so unstable. It gives very clear reasons, scenarios and end results of why these problems exist, offers solutions to these problems and describes in great detail, the benefits of implementing the suggested solutions. I could not recommend a book more highly for educating all American workers and our leaders to the mess we are in. It really brought on a whole new understanding for me, why our present economic systems and corporations are failing and what kind of reforms are needed before it's too late. All of the suggested reforms for simplifying and restructuring the tax systems, governments, social security, credit availability, corporations, etc., seem to have a logic that makes it easy to understand. Many of the problems and failures in our economy that are described in this book in graphic detail, have come to roost in the corporation that I work for. The book makes it easy to see why we, as a group of employees, are so drammatically affected by flaws in our current economic policies. I believe that reading this book very carefully would help everyone to gain a better understanding of our economic problems of today. It is well worth the purchase price.
Average customer rating:
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Anreizwirkungen des Systems der sozialen Alterssicherung: Eine dynamische Simulationsanalyse (Finanzwissenschaftliche Schriften)
Bernd Raffelhuschen
Manufacturer: P. Lang
ProductGroup: Book
Binding: Unknown Binding
Economics
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| Development & Growth
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| Economic Conditions
| Economic History
| Economic Policy & Development
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ASIN: 3631423322 |
Average customer rating:
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Bankers, Builders, Knaves, and Thieves: The $300 Million Scam at Esm
Donald L. Maggin
Manufacturer: Contemporary Books
ProductGroup: Book
Binding: Hardcover
General
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ASIN: 0809245477 |
Books:
- The Science of Success: How to Attract Prosperity and Create Harmonic Wealth Through Proven Principles
- The Standard & Poor's Guide to Measuring and Managing Credit Risk
- The Total Money Makeover: A Proven Plan for Financial Fitness
- The Trigger Point Therapy Workbook: Your Self-Treatment Guide for Pain Relief, Second Edition
- The Wisdom of Crowds
- This Is Not the Life I Ordered: 50 Ways to Keep Your Head Above Water When Life Keeps Dragging You Down
- Timeshare Vacations For Dummies (Dummies Travel)
- Tools and Tactics for the Master DayTrader: Battle-Tested Techniques for Day, Swing, and Position Traders
- Unequal Protection: The Rise of Corporate Dominance and the Theft of Human Rights
- Values-Based Financial Planning : The Art of Creating and Inspiring Financial Strategy
Books Index
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GET A FINANCIAL LIFE : Personal Finance In Your Twenties And Thirties
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