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How to Speak Money. The Language and Knowledge You Need Now

  • ID: 2212956
  • December 2011
  • 190 Pages
  • John Wiley and Sons Ltd
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PRAISE FOR HOW TO SPEAK MONEY

"If you've never had money . . .and now you have money . . .and you want to keep your money . . .and have your money bring you more money . . .then you need a book like this to change your history with money Ali Velshi and Christine Romans' How to Speak Money. This book will give you the knowledge to help change your financial future."
will.i.am

"When it comes to keeping track of your hard–earned money, Christine and Aliwill set you straight. Listen y'all, I was a late bloomer when it came to beinga success. It wasn't always easy but with patience and hard work my family and I made it. If you want to get an edge in life, read this book. Learn what you can from the folks who will guide you on the right path."
Paula Deen, Celebrity Cook and Entrepreneur

"Ali Velshi and Christine Romans have written a book you need to keep by your bedside. Read it every night. It will show you how foolish and lax you've beenwith your finances, and how to maximize your financial potential and makemore money."
Gene Simmons, CoFounder, KISS; Star of A&E's Gene Simmons Family Jewels

"This must–read book, coauthored by my good friend Ali Velshi, is for everyone who is interested in finance, investment strategies, and planning for their financial future."
Dikembe Mutombo, former NBA basketball player

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Acknowledgments xi

Introduction xiii

Chapter 1 The Big Picture 1

Money Is Everywhere 2

Understanding Money 4

Where Are You? 5

Getting to Where You Want to Go 6

Getting Started 7

The Key to Wealth: Live Below Your Means 9

Change with the Times 10

It s Up to You 11

Different Strokes, Different Folks 12

Making Your Plan 12

Chapter 2 We Fight About Money, Too 15

A Failure to Communicate 17

How Do You Have a Difficult Conversation? 18

Chapter 3 Gendernomics 27

Shifting Roles 29

Are You Sure We re Talking about the Same Thing? 30

Why Do Smart People Buy Stupid Things? 32

Women and Investing 33

Gendernomics in the Workplace 35

Chapter 4 Speaking Money around the World 39

A Brief History 40

Climbing Up the Ladder 42

A Fish Story 44

Globalization: Good or Bad? 45

What Goes Around Comes Around 48

Who s Zooming Who? 49

Chapter 5 Speaking Money at Work 53

Speak STEM 55

Dirty Jobs 57

Green Jobs 58

Women and Work 60

Getting a Job 61

The Long–Term Unemployed 65

You Wanna Start Something? 67

Not–So–Happy Campers 68

Chapter 6 Speaking Money on Campus 71

High School Then, College Today 72

A College Degree Never Hurt Anyone 74

The Future Starts in Grade School 75

Education for Life 76

How Should You Look at College? 77

Thinking of Changing Fields? 81

Chapter 7 Speaking Money in the Market 87

Cash Equivalents 89

Let s Speak Bonds 91

Price versus Yield 92

The World of Stocks 94

International Investing 95

Stepping into the Market 97

Mutual Funds 98

Index Funds 99

Exchange Traded Funds (ETFs) 102

Do Your Homework! 102

Chapter 8 Speaking Money to Investment Principles 107

Principle 1: There Is a Direct Relationship between Risk and Return 107

Principle 2: Time Is Your Friend 114

Principle 3: Diversification Lowers Your Risk and Improves Your Return 114

Asset Allocation: The Key to Results 116

Chapter 9 Speaking Money in Your Own Portfolio 119

Your Investment Questionnaire 120

Your Model Portfolios 125

The Importance of Rebalancing 128

Financial Advisors Yes or No? 129

Chapter 10 Speaking Money on the Home Front 135

Buying a Home 138

Rent versus Buy: One Man s Story 145

What If You re Selling? 146

When Is the Best Time to Buy? 149

Chapter 11 Speaking Money on Budget 153

Software Makes Budgeting Easier 155

Here Comes the Rain 156

What Does It Cost to Live? 157

Getting Out of Debt 160

Chapter 12 Speaking Money in Retirement 163

The Historical Perspective 164

Retirement Is Expensive 166

Programs to Fund Your Retirement 168

Play a Waiting Game 171

Social Security: The Nation s Safety Net 173

Summing It Up 174

Living Your Golden Years 175

Afterword 177

Bibliography 179

About the Authors 181

Index 185

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Ali Velshi is CNN's Chief Business Correspondent and host of Your Money. His in–depth reporting on the auto industry was honored with a National Headliner Award for Business & Consumer reporting in 2010. He anchored CNN's coverage of the attempted terror attack on a flight into Detroit, for which CNN was nominated for a 2010 Emmy. He is the author of
Gimme My Money Back: Your Guide to Beating the Financial Crisis.

Christine Romans is the host of Your Bottom Line, CNN's Saturday morningpersonal finance and lifestyle program and the money reporter for CNN's AmericanMorning. Her reports are carried on CNN's platforms worldwide. Among her awards is an Emmy for her reporting on outsourcing American jobs. From Timothy Geithner and Venus Williams to Tony Hawk and Russell Simmons, Romans interviews a diverse range of public personalities on financialissues facing Americans. She is the author of Smart Is the New Rich (Wiley), based on her experience covering the financial crisis.

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