Smart Is the New Rich: If You Can′t Afford It, Put It Down (Anglais) Relié – 27 octobre 2010
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Description du produit
Présentation de l'éditeur
Author and CNN veteran money correspondent Christine Romans believes we should live by three qualifiers: living within our means, living with less debt, and being less vulnerable. While some may say this is old–fashioned, today it′s hard to argue with Romans′ view.
Smart is the New Rich explores how adopting a new approach to money can lead to a healthier financial lifestyle. Each chapter opens with a question about money to begin the conversation about earning, saving, spending, growing, and protecting your money. Using checklists and quizzes, Romans guides you through the "New Normal," helping you to think differently about your money and relearning good habits for prosperity.
- Reexamines the money rules abandoned during the consumer bubble and poses the essential questions we should ask ourselves before spend our money
- Provides an interactive, step–by–step guide to all things money, from credit, debt, and savings to investing, taxes, and mortgages
- A companion Web site allows you to chat with other readers about jobs, mortgage rates, investing, and saving
For thirty years, the financial rules for life revolved around abundant credit. That bubble has burst. Smart is the New Rich addresses why these rules no longer apply, and reveals what it will take to make the right money choices moving forward.
Quatrième de couverture
Christine Romans makes a compelling case that if you want to be rich these days, you first have to be smart and she shows you how. For those who navigate in rough economic waters that s all of us this is a breezy, easy–to–understand but invaluable guide.
David Gergen, Professor, Harvard Kennedy School; Senior Political Analyst, CNN
Christine Romans is one amazing, super–smart woman who has written a seriously valuable book for everyone who wants to understand and benefit from the bewildering new world of money, jobs, healthcare, investing, and much more. Read it right now Romans can help you live a smarter, much much better life.
Alexandra Penney, author of The Bag Lady Papers and former editor of Self magazine
Who else could turn shopping for a $5 Barbie dress in 1977 into a practical lesson in family finance? Christine is close enough to Wall Street to understand the game. Yet she s far enough away to be plain spoken and practical. From jobs to retirement to mortgages to family, she puts the money picture together. This is a smart book that anyone can understand and put to work.
Pat Kiernan, Anchor, NY1 News; Host, The World Series of Pop Culture; founder, PatsPapers.com
Recharge your financial life with this comprehensive guide to smart money choices, from credit cards to housing to health care. Christine Romans reintroduces readers to the retro rules of financial well–being lost in a decade of boom and bust.
Laura Rowley, Yahoo! Finance Columnist, and author of Money and Happiness: A Guide to Living the Good Life
Enjoy a happier, healthier, and wealthier lifestyle by living below your means.
The economy today is full of uncertainties. Will it slowly expand? Fall back into a double–dip recession? Or worse? One thing is certain budgeting is back, and smart savers and planners are now taking a new look at their finances. They are discovering old–fashioned ways for getting more out of life by spending less. Smart is the New Rich: If You Can t Afford It, Put It Down shows you how to reboot to a more rational way of thinking, how to reset your goals, and how to repair your balance sheet. This will position you for whatever comes next and help you build real wealth instead of bubble riches.
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Commentaires client les plus utiles sur Amazon.com
Being a believer in the Larry Burkett / Dave Ramsey school of financial thinking, I found a few pieces of advice that could be revisited. But overall, Ms Romans gets a "A" for writing a book that Millenials just might read. I recommend that you ask these young folks to speed read the book AND GO BACK AND REREAD SECTIONS when they find themselves in a financial discussion.
Bottom Line: In terms of financial and retirement planning, the one thing Millenials have that is worth its weight in gold is TIME. If they wake up in their 40s and 50s and start planning for retirement, their bucket of gold at the end of the rainbow may only be worth a bucket of silver or even a bucket of pennies. Give those college grads a copy to read over their school breaks.
"Smart is the New Rich" is a well-written, easy-to-read, accessible and engaging book with cleverly-turned phrases, helpful metaphors, inspiring stories, and bits of irony, humor, and conversation. I found it a real page turner, or in my case, a real "screen swiper" (Kindle for the iPhone).
Of course, and this isn't Romans' fault, but what was not so easy-to-read was the back-story--her accounting of the events, arrogance, and negligence leading up to the Great Recession, as she calls it. But the final chapters were even less comforting as she laid out the current state of our country's current financial situation, followed by a litany of ostensively reckless practices, and predictions of the potential grand calamity that awaits us if our government continues on it's current short-sighted course. Scary stuff.
A couple of caveats for potential readers. 1) this is not a "how-to" book. Yes, there's some great common sense advice, but not the block-n-tackle point-by-point instruction I anticipated. 2) this book is probably better intended for younger people and families. As one approaching the big 6-0, having run my own business for over 30 years, and knowing my three offspring are on career tracks, and free from school debt, I didn't relate as much as a younger person might. 3) "Smart" probably has a limited shelf life. While it will always contain a concise historical roundup of the events of the past few years, phrases like "this Spring" and other timely facts will date it faster than it deserves (great fodder for "Rich 2.0").
As to points 2 and 3 of why I wanted to read the book, 2) agreement: "yes," but only if I can boil down "Smart" to a phrase, "be good stewards." Note: about 20 years ago, my wife and I made a conscious decision to get off the money train and forget about the "Jone's." Not feeling the need to buy "stuff" for sport took the pressure off and helped us to concentrate on staying out of debt and building up a reserve (my wife must be a magician because I don't give her a lot to work with). 3) lessons: "maybe." As mentioned above, being older we've had the benefit of learning some tough lessons on our own--we could have used this book 30 years ago.
Bottom line (appropriate language), even though it wasn't exactly what I thought it would be, I'm "smarter" for having read it. However, and I'm not sure this was her intent, I came away with a lot less confidence in those that run the financial world, and even less confidence in our government, and was left with the real fear that neither will do the right thing in the end. As Romans advises us in the closing chapter, we need to do our part to get our own financial houses in order--at least we can control that.
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