We Re Talking Millions

Understanding how to invest wisely for your future can be daunting. Many people never get started for fear of making mistakes. Others make choices based on hearsay and hope, sold on hype or risk aversion. In "We're Talking Millions!" you will learn why and how to make a handful of smart choices that can turn modest regular savings into a secure future. You'll discover "12 Small Steps with Big Payoffs," each of which can add $1 million or more to your retirement nest egg if you start in your 20s or 30s. These steps are well known. Now for the first time, "We're Talking Millions!" combines them into a single action plan you can implement in less than one hour a year. That could be the most valuable time you'll ever spend. Get started now!Long-time financial educator/retired advisor Paul Merriman and co-author Richard Buck have boiled down decades of academic-based knowledge and experience to help Millennials and Gen Y'ers get started and stay on the right track of saving and investing for life using 401ks, IRAs and other simple investments like target date funds. "This is an exciting new fact based investment approach, coming from authors who have earned the trust and respect of a couple of generations of investors. I wish I had had this knowledge when I was in my 20s." - Larry Swedroe, Director of Research at Buckingham Family of Financial Services and author of "Your Complete Guide to a Successful and Secure Retirement" "There is beauty in simplicity and in this new book, We're Talking Millions! 12 Ways to Supercharge Your Retirement. Paul Merriman and Rich Buck have taken the complex world of investing and distilled it down to core principles that both novice and experienced investors alike will benefit from." - Tim Ranzetta, co-founder Next Gen Personal Finance (ngpf.org) "The combination of financial literacy and discipline is so rare these days that it should be considered a superpower. This book provides a shortcut to obtaining both!" - James M. Dahle, MD, Founder of The White Coat InvestorI have always said that investing is too easy to seem so complex. Paul Merriman and Rich Buck have managed to prove that point in this powerful and easily understood guide to building wealth. Their approach is so straightforward and simple that anyone can build a sensible, science-based portfolio almost immediately. Follow this advice and you could be "talking millions" in your pocket. -Don McDonald, co-host "Talking Real Money", author "Financial Fysics""Whether millennial or boomer, understanding these 12 concepts can have a big financial payoff... We're Talking Millions! Paul Merriman and Richard Buck team up again to educate and motivate." - David Baughier, curator of Fiology"Paul and Richard reduce the complexity of saving for retirement into strategies anyone can follow. Regardless if you are new to investing or have been investing for years, you'll find suggestions for boosting your wealth with minimal effort required." - Charles Rotblut, CFA, AAII Journal Editor and VP, American Association of Individual Investors"Merriman and Buck have done a great job of giving a playbook for financial success that anyone can read and understand!" - George Grombacher, Host of the Money Savage podcast"We're Talking Millions! could be a young person's Most Valuable Read (MVR) of their life, if they take action!" - Ed Fulbright, CPA, PFS, Host of Masteringyourmoney.com"Paul & Rich have done it again! For the last few decades they have shown investors how to create long-term portfolios for retirement, how to generate retirement income, and how to avoid costly mistakes. In their new book, We're Talking Millions! 12 Ways to Supercharge Your Retirement, they help people of all ages with huge money decisions. Written in plain English with critical charts, this book will help anyone who wants to create wealth in simple, low cost ways." - Tom Cock, co-host "Talking Real Money"

In this delightfully witty, provocative book, literature professor and psychoanalyst Pierre Bayard argues that not having read a book need not be an impediment to having an interesting conversation about it. (In fact, he says, in certain situations reading the book is the worst thing you could do.) Using examples from such writers as Graham Greene, Oscar Wilde, Montaigne, and Umberto Eco, he describes the varieties of "non-reading"-from books that you've never heard of to books that you've read and forgotten-and offers advice on how to turn a sticky social situation into an occasion for creative brilliance. Practical, funny, and thought-provoking, How to Talk About Books You Haven't Read-which became a favorite of readers everywhere in the hardcover edition-is in the end a love letter to books, offering a whole new perspective on how we read and absorb them.

Jim Paul's meteoric rise took him from a small town in Northern Kentucky to governor of the Chicago Mercantile Exchange, yet he lost it all--his fortune, his reputation, and his job--in one fatal attack of excessive economic hubris. In this honest, frank analysis, Paul and Brendan Moynihan revisit the events that led to Paul's disastrous decision and examine the psychological factors behind bad financial practices in several economic sectors. This book--winner of a 2014 Axiom Business Book award gold medal--begins with the unbroken string of successes that helped Paul achieve a jet-setting lifestyle and land a key spot with the Chicago Mercantile Exchange. It then describes the circumstances leading up to Paul's $1.6 million loss and the essential lessons he learned from it--primarily that, although there are as many ways to make money in the markets as there are people participating in them, all losses come from the same few sources. Investors lose money in the markets either because of errors in their analysis or because of psychological barriers preventing the application of analysis. While all analytical methods have some validity and make allowances for instances in which they do not work, psychological factors can keep an investor in a losing position, causing him to abandon one method for another in order to rationalize the decisions already made. Paul and Moynihan's cautionary tale includes strategies for avoiding loss tied to a simple framework for understanding, accepting, and dodging the dangers of investing, trading, and speculating.

“One of the most captivating novels of the year.” – Washington Post NATIONAL BESTSELLER A Best Book of the Year: Bloomberg | Boston Globe | Chicago Public Library | Chicago Tribune | Esquire | Kirkus | New York Public Library | New York Times Book Review (Historical Fiction) | NPR's Fresh Air | O Magazine | Washington Post | Publishers Weekly | Seattle Times | USA Today A Library Reads Pick | An Indie Next Pick From the #1 New York Times bestselling author of Beautiful Ruins comes another “literary miracle” (NPR)—a propulsive, richly entertaining novel about two brothers swept up in the turbulent class warfare of the early twentieth century. An intimate story of brotherhood, love, sacrifice, and betrayal set against the panoramic backdrop of an early twentieth-century America that eerily echoes our own time, The Cold Millions offers a kaleidoscopic portrait of a nation grappling with the chasm between rich and poor, between harsh realities and simple dreams. The Dolans live by their wits, jumping freight trains and lining up for day work at crooked job agencies. While sixteen-year-old Rye yearns for a steady job and a home, his older brother, Gig, dreams of a better world, fighting alongside other union men for fair pay and decent treatment. Enter Ursula the Great, a vaudeville singer who performs with a live cougar and introduces the brothers to a far more dangerous creature: a mining magnate determined to keep his wealth and his hold on Ursula. Dubious of Gig’s idealism, Rye finds himself drawn to a fearless nineteen-year-old activist and feminist named Elizabeth Gurley Flynn. But a storm is coming, threatening to overwhelm them all, and Rye will be forced to decide where he stands. Is it enough to win the occasional battle, even if you cannot win the war? Featuring an unforgettable cast of cops and tramps, suffragists and socialists, madams and murderers, The Cold Millions is a tour de force from a “writer who has planted himself firmly in the first rank of American authors” (Boston Globe).

#1 NEW YORK TIMES BESTSELLER • “The clearest and best book out there to get you on the path to riches. This one’s special!”—Jim Cramer, host of CNBC’s Mad Money “Great tools for anyone wanting to dabble in the stock market.”—USA Today Phil Town is a very wealthy man, but he wasn’t always. In fact, he was living on a salary of $4,000 a year when some well-timed advice launched him down a highway of investing self-education that revealed what the true “rules” are and how to make them work in one’s favor. Chief among them, of course, is Rule #1: “Don’t lose money.” In this updated edition to the #1 national bestseller, you’ll learn more of Phil’s fresh, think-outside-the-box rules, including: • Don’t diversify • Only buy a stock when it’s on sale • Think long term—but act short term to maximize your return • And most of all, beat the big investors at their own game by using the tools designed for them! As Phil demonstrates in these pages, giant mutual funds can’t help but regress to the mean—and as we’ve all learned in recent years, that mean could be very disappointing indeed. Fortunately, Rule #1 takes readers step-by-step through a do-it-yourself process, equipping even the biggest investing-phobes with the tools they need to make quantum leaps toward financial security—regardless of where the market is headed.

You Can Baby Step Your Way to Becoming a Millionaire Most people know Dave Ramsey as the guy who did stupid with a lot of zeros on the end. He made his first million in his twenties—the wrong way—and then went bankrupt. That’s when he set out to learn God’s ways of managing money and developed the Ramsey Baby Steps. Following these steps, Dave became a millionaire again—this time the right way. After three decades of guiding millions of others through the plan, the evidence is undeniable: if you follow the Baby Steps, you will become a millionaire and get to live and give like no one else. In Baby Steps Millionaires, you will . . . *Take a deeper look at Baby Step 4 to learn how Dave invests and builds wealth *Learn how to bust through the barriers preventing them from becoming a millionaire *Hear true stories from ordinary people who dug themselves out of debt and built wealth *Discover how anyone can become a millionaire, especially you Baby Steps Millionaires isn’t a book that tells the secrets of the rich. It doesn't teach complicated financial concepts reserved only for the elite. As a matter of fact, this information is straightforward, practical, and maybe even a little boring. But the life you'll lead if you follow the Baby Steps is anything but boring! You don’t need a large inheritance or the winning lottery number to become a millionaire. Anyone can do it—even today. For those who are ready, it’s game on!

Max discovers that uniqueness is more than just a name, in this funny, lively picture book debut by the bestselling author of The Interestings. Max's room has his name all over it--on his blanket and night light and wall. His parents call him The One and Only Max. And so, he is in for a big surprise at the playground one day, when he hears "Max, time to go home!" and two other kids come running. He's not the one and only after all! How many Maxes are in the world?! Millions of Maxes? But when he decides to help one of the other Maxes find her missing toy, he discovers that there are other ways to be special, and that he can appreciate the specialness of his new Max friends just as much as his own. That night he dreams of the future adventures he'll have with all of the Maxes he has yet to meet.