Smart Is the New Rich. If You Can't Afford It, Put It Down

  • ID: 2243075
  • Book
  • 320 Pages
  • John Wiley and Sons Ltd
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Smart Is the New Rich

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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Foreword.

Preface.

Acknowledgments.

Chapter 1 Reset, Repair, Recover.

Pop!

The Retro Reset.

Repair the Balance Sheet.

Recover.

The Payoff.

Chapter 2 Spending Your $$$$$.

Going Retro.

Living Beyond Their Means.

The Value Consumer.

The Recession–Weary.

The Conspicuous Consumer.

A Fool and His Money.

Be a Good Steward.

Retro Spending Rules.

The Payoff.

Chapter 3 Your Job.

Turning the Corner.

Top of Your Game Every Day.

Take a Pay Cut?

Switching Careers.

Where Are the Jobs?

Location, Location, Location.

Education.

Good Pay, No Degree.

Green–Collar Jobs.

You ve Just Lost Your Job.

You Have a Job Protect It.

You Think Layoffs Are Coming.

The Permalancer.

Long–Term Unemployed.

No Job Yet? Write It Off.

The Payoff.

Chapter 4 Debt.

Miracle or Mirage?

Sit on an Apple Box.

Generation Debt.

Respect Credit, Pay Off Debt.

The Dreaded Score.

Student Loans.

$200 Saved Now or Pay $396 Later.

Keeping Down College Costs.

Student Loan Defaults.

Mortgage Debt.

Will Borrowing Costs Rise?

The Payoff.

Chapter 5 Credit Cards.

Credit Card Rich.

New Rules, Rights, and Traps.

Credit Card Gotchas.

Debt Free in Three.

Card Payment Strategies.

Cutting Up the Cards.

Debt Revolt.

Boring Is Better.

Debtor Beware.

The Payoff.

Chapter 6 Home Sweet Home.

POP!

Affordability.

Mortgage Rate versus Home Price.

Getting a Loan.

The Fancy Kitchen Dream.

Renting.

Losing a Home.

The Inevitable Scams.

The Payoff.

Chapter 7 Save, Invest, Retire.

Good Steward.

The Proverbial Rainy Day.

Getting Started, Starting Over.

Finding Your Magic Number.

Fixing Your 401(k).

Sabotaging Your Retirement.

Stay Focused.

ETF.

The Payoff.

Chapter 8 Family Money.

Lead by Example.

Take Out the Trash!

Generation Y.

Paying for College.

Sandwich Generation.

Caring for a Parent.

Til Debt Do Us Part.

Breaking Up Is Hard to Do.

The Payoff.

Chapter 9 Health Care.

Reform and You.

Under 26 Years Old.

State Health Exchanges.

CLASS Act.

FSA Changes.

Hospital Responsibility.

Health Care as Livelihood.

The Payoff.

Chapter 10 Small Business.

The Disappearing Banker.

I Can Create Jobs!

Social Butterfly.

Shop Local.

Cupcake Sisters.

Yes to Carrots.

Find the Money.

The Payoff.

Chapter 11 Government.

United States of Bailouts.

They Got It Wrong.

Spend, Spend, Spend.

The Payoff.

Appendix A Cover Letters: The Good, the Bad, the Ugly.

Appendix B Web Resources.

Notes.

About the Author.

Index.

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CHRISTINE ROMANS is the host of CNN sYour $$$$$, as well as a featured correspondent on the network sAmerican Morning and CNN International. She is a former correspondent for bothMoneyline andLou Dobbs Tonight, and spent several years reporting from the floor of the New York Stock Exchange. In 2004, she received an Emmy Award for her reporting onExporting America, aLou Dobbs Tonight investigation into the impact of globalization on U.S. workers. Prior to joining CNN, Romans reported for Reuters and Knight–Ridder Financial News.
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