The Late Start Investor

This is the first book of lifestyle and financial strategies fashioned expressly for those want to retire in fifteen years or less but have little or no money saved to do so. Late-start investors are the 51 million baby boomers who don't have nearly enough money put aside for retirement. They envision life after work differently--to some it is those years to be spent playing with grandchildren on the beach, to others it's the freedom to travel or enjoy a hobby that may bring in a few dollars. There is one certainty however: Those Golden Years sure can't be lived on a mere $3,000, which is the average amount fifty-year-olds in this country have saved. But there is no need to panic. With its unique combination of facts, wisdom, questionnaires, and real-life anecdotes, The Late-Start Investor is the key to a future of secure fulfillment for those playing catch-up. John Wasik's optimistic and effective advice does more than simply guide readers through the lifestyle assessment and planning; it also helps them create the "perfect" investment program for their vision of the future. His pointers reflect this group's need for limited risk, but keeps their dollars outpacing the ever-present enemy--inflation. The Late-Start Investor outlines what Social Security and pension funds contribute to the picture and how best to supplement them with stocks, bonds, and mutual funds. This book will give readers the confidence and knowledge to stop living in fear of the future and start saving for their dreams.

David Bach has a plan to help you live and finish rich—no matter where you start So you feel like you’ve started late? You are not alone. What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck? What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings? See? You’re really not alone. Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how. You can start late and finish rich—but you need a plan. This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach. Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start. —David Bach Is it too late for me to get rich? Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?” There IS hope, and help is here at last! In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges. Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it. The Start Late, Finish Rich promise is bold and clear: Even if you are buried in debt – there is still hope. You can get rich in real estate – by starting small. Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had. You can start a business on the side – while you keep your old job and continue earning a paycheck. You can spend less, save more and make more – and it doesn’t have to hurt. David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.

First published in 1998 this boo responds to the dynamics of Industrializing Asia and the behavioural changes of actors which, in response to changing internal and external forces, have given rise to and are constantly giving rise to alterations in patterns of growth. From a geographical perspective, these are expressed in regional change, understood as a reconstruction of spatial organization. The imperatives of dynamic comparative advantage, changing global or regional competitiveness, and regional competition, faced by different actors, entities or territorial units can be identified as important forces underlying and shaping regional change. This volume provides further illumination, contextualization and interpretation of the spatiality of the economic reality in Industrializing Asia, as well as the role played by, and the implications for, different actors. The objectives of this book are 1) to outline the processes of regional change, linked to responses in the form of restructuring and integrative and regionalization tendencies, as well as the realignment of the global-regional-local divide in production systems/complexes and the operation of firms associated with reorganization of production in the process of maintaining and reconfiguring comparative advantage; 2) to highlight the wide scope of the process by considering differential units of analysis, linked to the agents and manifestations of regional change, and the role of scale in terms of the spatial units involved; 3) to highlight the implications as to the current and future position or role of differential actors/agents (particularly nation state) in shaping the new economic reality in the region and as a corollary, its positioning in the global economic order.

Doctors and other high income professionals receive little training in personal finance, investing, or business. This book teaches them what they did not learn in school or residency. It includes information on insurance, personal finance, budgeting, buying housing, mortgages, student loan management, retirement accounts, taxes, investing, correcting errors, paying for college, estate planning and asset protection.

The Power of DRIPs: Compounding Power of Smart Dividend Investing Here's a book for individual investors, by an individual investor. I've made every mistake there is when it comes to money and investing but I didn’t give up. Along the way, I kept hearing about DRIPs (and DSPPs), and I thought that they were some outmoded investment models that went away after the discount brokers gave all of us retail investors a lot more trading choices and features. NOPE. What I found instead was that DRIPs -- or dividend reinvestment plans -- solved three very serious problems for me! One is that my investing became completely automated. My regular checking account ACH withdrawals meant we'd always make regular monthly investments, and at prices that would dollar-cost-average over the course of the year. Along with the lower fees across the board, this type of income investment also helped me keep from overtrading, saving me all sorts of extra transaction fees. Plus the power of reinvested dividends means compounded growth that we can use for income later when we need it. Join me as we explore how individual investors can still take advantage of the power of Investing in DRIPs to access the best blue chip companies -- here and around the world -- and get regular dividend payments from a personal portfolio of growth and income stocks. And the best part is that for me, it's part of an overall investment diversification plan that still includes my 401k, my Roth IRA, and a trading account for my stocks, options, and occasional commodity futures. DRIPs now equal compounded dividend income later!

Investing & Trading Bundle Welcome to the volatile stock, futures, options, commodities, and forex markets. Not long ago, I wrote a couple short books on my personal [individual investor] approach to investing: Investing in DRIPs and Trading Options on Tech Stocks. These two books are bundled here together specifically because I think these cover the two best ways to approach trading and investing. But it wasn’t exactly an accident. My wife recently rolled out her 401k funds from a former employer’s control into her own self-directed account. She asked me what course of action I thought she should take and I laughed! “Didn’t you read my books?” I said. “Yes,” she said, intensely glaring at me in that loving way only a wife can do. So after several conversations, a few examples, and looking at some options chains — she sold puts in a couple stocks. First on Target Corp (TGT) before the year ended which expired worthless (in her favor!), and now she has some Apple (AAPL) puts at the $100 level - which has been tested a couple times. Another good friend we saw at a holiday party was asking me what I would do with a small windfall he had recently received. (Since I’m not a professional financial advisor, please understand I don’t go around giving advice! These are just my spouse and friend asking my opinion, so I feel okay showing them what I know! I tell them to educate themselves because this stuff isn’t too hard to understand.) Anyway, I told my friend all about DRIPs and how it removed a lot of the fear in the market for me because you start to see the incredible benefits of up and down markets, just like with options. So even if this market is moving toward a minor pullback with increased volatility, or a major correction, these are two great investing and trading strategies to get under your belt. And the time spent learning just how useful they are has been so worth it for me and my family. Good luck to you and yours in the upcoming trading year, and enjoy these two books included here in their original versions, minus a few formatting changes to create this bundle.

The go-to guide for smart REIT investing The Intelligent REIT Investor is the definitive guide to real estate investment trusts, providing a clear, concise resource for individual investors, financial planners, and analysts—anyone who prioritizes dividend income and risk management as major components to wealth-building. The REIT industry experienced a watershed event when Standard & Poors created a new Global Industry Classification Standard (GICS) sector called Real Estate. Publicly traded equity REITs have been removed from Financials, where they have been classified since their creation in 1960, and have begun trading as their own S&P Sector. This separation from banks and financial institutions has attracted new investors, but REITs require an industry-specific knowledge that is neither intuitive nor readily accessible to newcomers—until now. Using straightforward language and simple example to illustrate important concepts, this book will enable any reader to quickly learn and understand the lexicon and valuation techniques used in REIT investing, providing a wealth of practical resources that streamline the learning process. The discussion explains terminology, metrics, and other key points, while examples illustrate the calculations used to evaluate opportunities. A comprehensive list of publicly-traded REITs provides key reference, giving you access to an important resource most investors and stockbrokers lack. REITs are companies that own or finance commercial rental properties, such as malls and apartment buildings. Despite historically high total returns relative to other investments, such as the Nasdaq or S&P 500 index, most investors are unfamiliar with the REIT industry, and wary of investing without adequate background. This book gets you up to speed on the essentials of REIT investing so you can make more informed—and profitable—decisions. Understand REITs processes, mechanisms, and industry Calculate key metrics to identify suitable companies Access historical performance tables and industry-specific terminology Identify publicly-traded REITs quickly and easily REITs have consistently outperformed many more widely known investments. Over the past 15-year period, for example, REITs returned an average of 11% per year, better than all other asset classes. Since 2009, REITs have enjoyed positive returns; large cap stocks and cash are the only other classes that paralleled that record. Even in 2015, a 'year of fear' related to rising rates, REITs returned 2.4%, beating most all other asset classes. REITs have a long history (over fifty years) of performance, and have entered the big leagues. If you feel like you've been missing out, don't keep missing out. Prepare yourself, and your portfolio, to benefit from the demand for REITs that have followed the creation of a Real Estate GICS sector. The Intelligent REIT Investor gives you the information you need to invest wisely and manage your real estate risk effectively. By maintaining a tactical exposure in the brick and mortar asset class, investors should benefit from the information contained in The Intelligent REIT Investor. Join the REIT world and look forward to owning stocks that will help you to sleep well at night.