What to Do with Your Money When Crisis Hits: A Survival Guide

Title: What to Do with Your Money When Crisis Hits: A Survival Guide

Author: Michelle Singletary

Hardcover: 224 pages

Publisher: Houghton Mifflin Harcourt

Publishing date: May 18, 2021

Who is this book for? 

  • Anyone who is struggling to stay on top of their finances.
  • Anyone who’s ever wondered how to handle their money during a financial crisis, such as a pandemic, recession, bear market or energy crisis.

What’s inside this book?

  • Singletary’s expert advice for weathering financial storms.
  • Answers to questions about handling money during a financial crisis.
  • A practical guide for managing common money concerns.

3 lessons you’ll learn from this book: 

  1. The most important steps to take when facing a financial crisis.
  2. How to keep a financial crisis from becoming a catastrophe.
  3. How to manage debt, credit card issues and cash-flow problems.

5 questions this book will answer for you: 

  1. What bills must be paid first when in a financial crisis?
  2. When is it OK to dip into savings?
  3. How can I cut back on spending?
  4. How do I keep from panicking when the stock market is down?
  5. How do I tell a scam from a legitimate opportunity?

What people are saying about this book: 

  • “If you’re one of the tens of millions of Americans who are struggling financially, or if you’re faced with helping others who are struggling, you need to read this. Michelle Singletary has written an outstanding book, filled with no-nonsense, let’s-get-to-it advice that’s immensely practical, easy to read and emotionally reassuring. Stop lamenting your situation and let Michelle show you the way out of your crisis.”  – Ric Edelman
  • “Michelle Singletary, a voice of financial reason and calm throughout the pandemic, helps us move forward with what we need most—answers.  From when to raid your retirement accounts, go back to school, and so much more, her clear, precise guidance will put you on the right track to rebuild your future.”   – Jean Chatzky
  • “This is a compassionate encyclopedia of financial first aid when you stumble, and good financial health practices when you are back on your feet. Michelle Singletary has been the down to earth, practical advisor to the stars — and us ordinary folks — for decades.” – Vicki Robin
  • “Michelle Singletary’s latest book is full of clear, wise advice that anyone can follow—and everyone should—especially when they are thrown a curve in the game of life.” ­- Knight A. Kiplinger

 Your Turn: What did you think of “What to Do with Your Money When Crisis Hits: A Survival Guide?” Share your opinion in the comments.

Dream First, Details Later: How to Quit Overthinking & Make It Happen!

Title: Dream First, Details Later: How to Quit Overthinking & Make It Happen!

Author: Ellen Bennett

Hardcover: 240 pages

Publisher: Portfolio

Publishing date: April 27, 2021

Who is this book for? 

  • Wanna-be entrepreneurs wondering how to get started.
  • Anyone looking for inspiration and guidance on making their dreams come true.

What’s inside this book?

Bennett’s incredible story of how she built a multimillion-dollar company by leaping into the unknown and accepting a challenge from her boss.
Motivation, tips and practical advice for making your personal dreams come true.

4 lessons you’ll learn from this book: 

  • How to ignore your inner worrier and take action.
  • How to gather courage to venture outside your comfort zone.
  • How to use creative problem-solving to conquer the inevitable challenges you’ll encounter during your journey.
    How to transition from “flying by the seat of your pants” to the “well-oiled machine” stage.

3 questions this book will answer for you: 

  • Can I really make my dream come true through pure determination and hard work?
  • What should be my first step toward making my dreams come true?
  • Do I need to have all the answers in place to make my dream a reality?

What people are saying about this book: 

  • “Ellen Bennett is the platonic form of a go-getter who inspires go-getter after go-getter to become a better go-getter. In an afternoon with Ellen there is never a dull moment, so be prepared to be inspired, motivated and delighted by her humor, wit and grit. If I could bottle her productivity and enthusiasm I would, but since I can’t, I will just read her book.” —Zooey Deschanel
  • “I love, love, love this book! The true story of a true heroine for our times — bold, brash, and entirely honest about the downs and ups of making dreams come true.” —Angela Duckworth
  • “This book is delicious. It’s inspiring, beautiful and actionable, and it might be just what you need to unlock the door and help you get going.” —Seth Godin
  • “Ellen Bennett’s infectiously inspiring story of grit and entrepreneurial spirit, Dream First, Details Later is a powerfully honest and colorful account of her wild journey from line cook to business owner. In it, she gives license to break free from self-doubt and to seize the wheel for your own journey to success.” —Danny Meyer
  • “Dream First, Details Later is a rare book that combines inspiration with action. Learning Ellen’s story is enjoyable on its own, but here she’s gone above-and-beyond to leave readers with practical advice. I will be recommending this one far and wide!”  —Chris Guillebeau

 Your Turn: What did you think of Dream First, Details Later? Share your opinion in the comments.

Learn More:
amazon.com
goodreads.com

How to Adult: Personal Finance for the Real World

Title: How to Adult: Personal Finance for the Real World

Author: Jake Cousineau

Paperback: 235 pages

Publisher: Independently published

Publishing date: March 23, 2021

Who is this book for? 

  • High school graduates, college students and any other young adult who needs to prepare for the financial realities of adulthood.
  • Young adults who’ve made money mistakes due to a lack of financial education and want to learn how to better handle their money in the future.

What’s inside this book?

  • A clear, easy-to-understand explanation of financial topics, like compound interest, mutual funds, insurance deductibles, Roth IRAs and more.
  • Practical examples and real-life anecdotes to bring financial lessons home.
  • Hands-on tools to help readers jump-start their financial journeys.
  • A “Build Your Skills” section at the end of each chapter inviting readers to test their knowledge and retention of the chapter’s material.

5 lessons you’ll learn from this book: 

  1. The foundational concepts of personal finance and building wealth.
  2. How to avoid costly financial missteps.
  3. How to budget, save and invest your money wisely.
  4. How taxes and insurance work.
  5. How to prepare for life’s big expenses.

3 questions this book will answer for you:

  1. What are the financial basics I need to know to make it in the real world?
  2. How can I avoid making money mistakes as a young adult?
  3. Can I learn about finances without breaking my brain over complicated jargon and complex concepts?

What people are saying about this book:

  • “This! This is what I needed when I was in high school. It is also what I needed when I was in college, and when I bought my first car, and when I bought my first house, and when I opened my first credit card. Every high school student in America should have to pass a class that uses this book. The real-world examples are relatable and make the reader feel like they are armed with the knowledge they need. It doesn’t just make you book smart. It makes you street smart.” — Stukent Personal Finance
  • “In How to Adult, Jake Cousineau engages readers using a blend of storytelling, analogies, charts and research to deliver key financial lessons. Whether it’s comparing index funds to sports teams, or interest to pineapple on pizza, Jake has a gift in delivering financial advice in a way that will educate adults, young and old alike!” — NGPF Personal Finance
  • “The author does an excellent job of explaining complex concepts in clear terms using common language. I learned something new about taxes despite having filed them for the past 15 years. Clever and approachable. Highly recommend.” — Zach G

 Your Turn: What did you think of How to Adult? Share your opinion in the comments.

Learn More:
amazon.com
thefishow.com

Pass It On: Transferring Wealth, Wisdom, and Financial Smarts to Future Generations

Title: Pass It On: Transferring Wealth, Wisdom, and Financial Smarts to Future Generations

Authors: Lori B. Gervais and Roger G. Gervais

Paperback: 268 pages

Publisher: Lioncrest Publishing

Publishing date:  Oct. 9, 2020

Who is this book for?

  • Parents planning for their children’s financial futures
  • Those wanting to further their own financial knowledge and skills
  • Readers who are or will soon be starting a family

What’s inside this book?

  • Clients’ stories of talking to children about managing wealth
  • Tips on how to begin the conversation about preserving the family fortune
  • Lessons on transferring family values, as well as transferring wealth
  • Instructions on preparing children to inherit responsibility as well as money
  • The authors’ personal experiences both in growing up and in raising their own children

Lessons you’ll learn from this book: 

  • How to speak to children about preserving your family’s wealth
  • How to ensure your personal values concerning your money are maintained
  • How to instill responsibility
  • How to use money for creating a great positive effect on your community and future generations
  • How and why financial literacy must be addressed within the family

Questions this book will answer for you: 

  • How do I prepare my children to manage their inheritances?
  • How can I maintain my family values while also transferring family wealth?
  • How do I introduce the topic to my family?

What people are saying about this book: 

“Managing money and finances can be some of the most challenging concepts for any family to navigate. I love the way the authors break it down and give us ways to help not only as a couple managing finances…more importantly equipping us with tools to help educate our family, setting us up for success for the future.” — Tara Gundrum

“…Pass It On, provides a financial framework that all of us can customize to meet our financial and life objectives. It goes well beyond wealth management or estate planning, providing clear, practical and actionable guidance we can all apply to virtually any financial matter. A must read.” — H. Edward Wynn, author of We the People: Restoring Civility, Sanity and Unifying Solutions to U.S. Politics

“Many parents fear leaving their kids’ substantial wealth. It can be difficult to know if they will be good stewards of what you leave them. If you are looking to learn a path and framework for passing on wealth and wisdom to those you care about, you will want to check out this book.” — Timothy J. McNeely, CFP CIMA

Your Turn: Tell us how you’ve used the advice of “Pass it On” in your own life.

The Path: Accelerating Your Journey to Financial Freedom

Title: The Path: Accelerating Your Journey to Financial Freedom

Authors: Peter Mallouk, Tony Robbins

Hardcover: 320 pages

Publisher: Post Hill Press

Publishing date:  Oct. 13, 2020

Who is this book for?

  • Wannabe investors of any age or stage
  • Experienced investors
  • Readers seeking financial freedom

What’s inside this book?

  • A step-by-step guide for achieving financial freedom
  • Strategies for mastering your money from an award-winning financial adviser and an expert business strategist
  • Real-life success stories from experienced and beginner investors

5 lessons you’ll learn from this book: 

  • How markets behave and how to maintain peace of mind during times of volatility
  • How to chart a personalized course for financial security
  • How to select a financial adviser who prioritizes your own interests
  • How to navigate, select or reject the many types of investments available
  • Why success without fulfillment is the ultimate failure

4 questions this book will answer for you: 

  • What does the financial service industry not want me to know?
  • How can I achieve true fulfillment?
  • Is this a good time for me to start investing?
  • Can I still master my money at a late stage in life?

What people are saying about this book: 

  • “Peter Mallouk’s tour of the financial world is a tour de force that’ll change the way you think about money.” — Jonathan Clements
  • “Robbins is the best economic moderator that I’ve ever worked with. His mission to bring insights from the world’s greatest financial minds to the average investor is truly inspiring.” — Alan Greenspan
  • “Tony is a force of nature.” — Jack Bogle

Your Turn: Have you read The Path? Tell us what you found to be the most valuable advice or benefit of the book in the comments.

The Behavior Gap: Simple Ways To Stop Doing Dumb Things With Money

The Behavior Gap - Simple Ways to Stop Doing Dumb Things with MoneyEveryone loves to pin their financial troubles on a tanking economy or an unstable market. But let’s face it: We have no one to blame but ourselves for the decisions we make about money. And we often have no idea why our noble intentions fall flat when we make financial choices.

In The Behavior Gap, Carl Richards aims to help us understand this puzzle and to change our lifelong financial habits. As he puts it, “Financial success is more about behavior than it is about skill.”

Richards is a financial planner who has watched his clients make the same inane mistakes with their money again and again. He saw the way they’d let circumstance and emotion dictate financial decisions and obliterate all sensibility. Richards termed this discrepancy between people’s good intentions and what they actually do, “the behavior gap.” He discovered that, once people understood this gap and what drives it, they are empowered to make the right choices and follow through on their goals.
In the pages of The Behavior Gap, you’ll learn how to:

  • Avoid the inclination to buy high and sell low
  • Simplify and automate your financial life
  • Ignore generic financial advice
  • Invest your assets more wisely
  • Stop wasting money and time on senseless pursuits
  • Identify your true financial goals
  • Have meaningful conversations about money

No matter where you stand financially, it’s never too late to start over. As Richards writes: “We’ve all made mistakes, but now it’s time to give yourself permission to review those mistakes, identify your personal behavior gaps, and make a plan to avoid them in the future. The goal isn’t to make the ‘perfect’ decision about money every time, but to do the best we can and move forward.”

In The Behavior Gap, you’ll find the tools you need to rein in the emotional monster within and train it to abide by the financial rules you’ve always wanted to follow. Richards has an engaging writing style that will keep you captivated until the last word.
Some critics complain the book does not dig as deeply into behavioral economics as it seems to promise and that it is only a beginner-level personal finance book.

Most readers, though, have nothing but praise for The Behavior Gap and its enlightening message.

Your Turn:
Do you often regret your money choices? Do you think there is really a large gap between intentions and behavior? Share your thoughts with us in the comments.

Learn More:
bakadesuyo.com
amazon.com
goodreads.com

5 Highly Anticipated Books to Be Released This Summer

Get ready for beach reading with this list of summer’s hottest releases

Summer is the perfect timeBooks_Featured to catch up on your reading. Whether you’re enjoying a trip to the beach or having a staycation at home, sitting down with a good read helps relax the mind and give it a break from the stress of our everyday lives. Here are some of the most anticipated new releases that you can look forward to finding in your local bookstore or library this season:

“Go Set a Watchman” by Harper Lee
Harper Lee’s highly-anticipated sequel to “To Kill a Mockingbird” was recently discovered by her lawyer. Set 20 years after the original novel, Scout is now grown up and on her way home to Alabama to visit her father Atticus. “Go Set a Watchman” was actually written before “To Kill a Mockingbird,” but Lee’s editor loved the flashbacks to Scout’s childhood so much that he suggested she write a book about that instead. More specific details about the plot have been kept tightly under wraps, but all of its secrets come out this summer.

“A Marriage of Opposites”by Alice Hoffman
New York Times bestselling author Alice Hoffman is back with a new novel ready to be released in August. “A Marriage of Opposites”is set on the island paradise of St. Thomas and focuses on the forbidden love affair of Rachel and Frederick Manzano de Pissarro, parents of the Impressionist master Camille Pissarro. Fans of Hoffman’s “The Museum of Extraordinary Things” and “The Dovekeepers” have understandably high hopes for this adaptation of a true story.

“A Cure for Suicide”by Jesse Ball
Available in July, “A Cure for Suicide”by Jesse Ball is an original work that focuses on the human existence and how our society looks from the outside. A man and a woman move into a village, with the woman teaching the man everything about life, from what a fork is to how you introduce yourself to other people. When the man leaves the house and attends a party outside of his tiny world, it forces him to question what he has been taught. It certainly sounds like the kind of fascinating topic that could spark a lively discussion in book club.

“Purity”by Jonathan Franzen
Jonathan Franzen took the world by storm with his 2011 hit, Freedom. Now he’s back with “Purity,” which will be published on Sept. 1. It follows the adventure of a forthright young woman named Purity “Pip” Tyler, starting in Oakland, California, and moving on to places like East Berlin, Denver, and Bolivia. Politics and intrigue are woven in the story, as Pip works with organizations looking to expose world governments’ fraud and searches to find out the truth about her parentage. Reading about the intriguing fictional politics in this book should be a nice break from the real politics on the news.

“Armada” by Ernest Cline
Science fiction fans, rejoice! Ernest Cline, the author of “Ready Player One,” is back with another adventure. High school student Zack Lightman is a gamer just trudging along to graduation. Everything is going pretty normally, until he spots a flying saucer outside of his classroom that looks exactly like the ones from his games. It’s up to Zack and the other gamers of the world to step in and save our planet. “Armada”promises to be escapism at its finest, and it’s ready to take you away from it all.

This article is presented by #accountvar.SEOdealer#.

Used with Permission. Published by IMN Bank Adviser Includes copyrighted material of IMakeNews, Inc. and its suppliers.

Five Ways to Save Money on Textbooks

Find the textbooks you452629595 need without depleting your college nest egg

On average, college students spend around $655 per year on textbooks, according to the National Association of College Stores. And with the cost of tuition and other school expenses, no college student wants to be spending — or should be spending — that much for their books.

“Textbooks are the top hidden expense of college,” said Nicole Allen, Affordable Textbooks Advocate for the Student Public Interest Research Groups (Student PIRGs), a leading advocacy group on the issue of textbook costs. “It’s common to find price tags over $200 each for introductory subjects like Calculus and Biology, and to add insult to injury, many of the books end up worth mere pennies by the end of the semester.”

No matter what subjects you’re studying, there are many ways to save on your books. Avoid blowing a hole in your budget with these cost-cutting tips:

1. Don’t buy at the bookstore. Your college bookstore is the last place you should be purchasing your textbooks. School bookstores are known to jack up the prices since it may be the most convenient way to get your books — but it’s certainly not cost effective.

“It’s crazy how much students can save,” said Ashmore Bodiford, national street team manager for BIGWORDS.com. “Students wait in these super long lines forever at bookstores. They feel like they’re getting ripped off — they’re wasting gas and time shopping in bookstores and not online.”

2. Buy used. Think about it: does a folded page or a highlighted paragraph really make all that difference in the content you’re studying? Because textbooks are used, the prices are much lower, but will still give you the same experience. Plus, many “used” textbooks tend to be in pretty good condition. Find pre-owned textbooks online at websites like Amazon and eBay. Tip: using the ISBN number, which defines the exact textbook you need (edition, volume, etc.), can help you find the correct textbook quickly. You may also find useful promo codes at sites such as RetailMeNot.com or Ebates.com to increase your savings even more.

3. Share with a classmate. If you feel comfortable going halves with another student for your textbook, then who says you can’t? That way, you can split the price and both of you will be able to save on your textbooks. Just be sure to first see what your professor’s teaching style is before you decide to share.

4. Rent. A rented textbook will typically be around 40% of the list price. Check out websites such as Chegg.com or BookRenter.com, or even see if your campus bookstore allows you to rent your books.

“As long as it’s not a textbook that they want to hang on to for a reference in the future, renting is definitely a good option for [students],” says Rhonda Nesheim-Kauffman, manager of NIACC Book Zone in Mason City, IA. “They can see the savings when they first purchase the book.”

5. Check out ebooks. If you own an e-reader, ebooks may be an option for you. They’re cheaper than buying and offer the convenience of always having them on you whenever you carry your e-reader. It’s especially useful if you’re taking classes that require historical texts, fiction, biographies, poetry and essays, as these are the texts you’ll likely find easily on an e-reader.

“Overall, the biggest tip is to shop around and be a smart consumer,” says Allen. “There are more ways to save than ever before, so make sure to know your options and figure out which one offers the best benefits.”

Used with Permission. Published by IMN Bank Adviser Includes copyrighted material of IMakeNews, Inc. and its suppliers.