44% OF AMERICANS DON’T KNOW IF THEY ARE ON TRACK FOR RETIREMENT. 62% HAVE NEVER HAD A RETIREMENT PLAN PUT TOGETHER FOR THEM. 84% THINK THAT THEY NEED GUARANTEED LIFETIME INCOME, BUT ONLY 14% OF THEM HAVE GUARANTEED INCOME BESIDES SOCIAL SECURITY OR THE WISCONSIN RETIREMENT SYSTEM.1 With these staggering statistics, and 10,000 Americans turning age 65 every day² and living longer than ever before, it’s no wonder a lot of people are worried about their retirement years. Imagine Financial Security For Life could be your answer. Inside, you may learn ways to make smarter choices with your money, including how to possibly avoid the eight roadblocks to financial security and peace, three ways to help keep your taxes and fees as low as possible, and the eight investment strategies for life. It wasn’t raining when Noah built the ark. In other words, now is the time to plan for the next financial flood and improve your probability of financial security throughout your retirement years. 1TIAA-CREF Lifetime Income Survey Executive Summary 02/03/15k; ²US Census Bureau International Database May 2013

Suze Orman has transformed the concept of personal finance for millions by teaching us how to gain control of our money -- so that money does not control us. She goes beyond the nuts and bolts of managing money to explore the psychological, even spiritual power money has in our lives. The 9 Steps to Financial Freedom is the first personal finance book that gives you not only the knowledge of how to handle money, but also the will to break through all the barriers that hold you back. Combining real-life recommendations with the motivation to overcome financial anxieties, Suze Orman offers the keys to providing for yourself and your family, including: * seeing how your past holds the key to your financial future * facing your fears and creating new truths * trusting yourself more than you trust others * being open to receiving all that you are meant to have * understanding the lessons of the money cycle The 9 Steps to Financial Freedom is useful advice and inspiration from the leading voice in personal finance. As Orman shows, managing money is far more than a matter of balancing your checkbook or picking the right investments. It's about redefining financial freedom -- and realizing that you are worth far more than your money.

Imagine being able to manage your money in a way that not only helps you achieve financial security, but also increases your happiness. You can, and this book shows you how. Cygan's financial expertise is apparent in topics such as increasing your net worth, wise investment strategies, minimising taxes, and preparing for retirement. Readers learn how to protect themselves from the next economic downturn, how to avoid the pressure to "keep up with the Joneses", and how to make smarter financial decisions. But she doesn't stop there. Applying research from psychology and neuroscience, she guides readers to create happier lifestyles by making small changes that reap big rewards. Simple changes such as focusing on gratitude, nurturing creativity, and choosing experiences with family and friends over more "stuff" are encouraged. The way she weaves financial strategies together with happiness strategies is fascinating -- rewarding her readers both financially and personally.

A leading financial adviser offers a groundbreaking and simple approach to tackling personal finance by breaking down formulas used by the most successful businesses. A troubled economy calls for answers. People need sound, easy-to-follow financial advice that can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios to get an instant picture of their savings status and overall financial health, as well as a road map for the important choices for the future. Some key ratios include: ? The Capital-to-Income Ratio: how much capital (savings) you should have if you plan to retire at 65 ? The Mortgage-to-Income Ratio: the maximum mortgage debt you should carry and still have sufficient capital left for comfortable savings ? The Education-to-Average-Income Ratio: the amount of education- related debt you can safely incur based on anticipated average earnings after obtaining your degree

Written in an accessible style from a consumer perspective and blends academic research with professional insights. Deals with all essential aspects of financial services that affect consumers and how they can exploit opportunities. Each of the chapters contain a list of learning objectives; a range of scenarios, case studies, examples and articles to provide a “real world” context to the discussion; a key points summary with referencing and further reading and useful on-line resources, as well as, a selection of short self-review questions. Enables readers to understand how the operations, complexity and dynamism of an ever-changing financial services industry shape the financial opportunities and risks they face.

Unlock the door to financial freedom and unleash your full potential with the transformative power of money affirmations. In "Money Affirmations that Work” you'll discover the secrets to shifting your mindset from scarcity to abundance, cultivating a wealthy outlook, and developing positive beliefs about money. This comprehensive guide features 900 carefully crafted affirmations, divided into nine chapters, each designed to address different aspects of financial mastery. Whether you're struggling with saving, spending, investing, or setting financial goals, this book provides the tools and mindset shifts necessary for lasting change. Chapter 1: Shifting from Scarcity to Abundance Begin your journey by transforming your mindset. Learn to recognize and overcome limiting beliefs, and replace them with empowering thoughts that attract abundance and prosperity. Chapter 2: Cultivating a Wealthy Mindset Develop the mental habits of the financially successful. This chapter provides affirmations that instill a sense of worthiness and confidence in your ability to generate and manage wealth. Chapter 3: Developing Positive Money Beliefs Challenge and change the negative beliefs that hold you back. Embrace affirmations that reinforce a positive, proactive relationship with money. Chapter 4: Saving with Confidence and Purpose Discover the joy of saving. This chapter's affirmations will help you build a strong foundation of financial security by encouraging disciplined and purposeful saving habits. Chapter 5: Smart Spending for Financial Freedom Master the art of mindful spending. Learn to make wise financial decisions that align with your long-term goals while enjoying life’s pleasures responsibly. Chapter 6: Investing with Courage and Clarity Step into the world of investing with confidence. This chapter offers affirmations to help you navigate investment opportunities with courage and clarity, ensuring growth and financial stability. Chapter 7: Embracing Financial Goals and Dreams Dream big and set ambitious financial goals. Use affirmations to stay motivated and focused on achieving your financial dreams, no matter how large or small. Chapter 8: Generating Multiple Streams of Income Diversify your income sources. Affirmations in this chapter encourage creativity and resourcefulness in generating additional streams of income, enhancing financial resilience. Chapter 9: Maintaining Financial Health and Well-Being Achieve and sustain financial well-being. Learn to balance your financial life with affirmations that promote long-term health, stability, and happiness. Transform your financial life with the power of positive affirmations. "Money Affirmations that Work" is your guide to conquering financial challenges, mastering wealth creation, and achieving lasting financial freedom. Start your journey today, and watch as your financial reality begins to reflect the abundant mindset you've cultivated. Order your copy now and take the first step toward a prosperous future!

It began with one question... A response came... An intimate dialog followed. No concern was too silly. No challenge was too big. This engaging book captures it all. What was God thinking?! picks up a dialog that Sandy began in her first book, Congratulations... It's an Angel, where she shared the clarity and understanding she received after asking heartfelt questions of God, following the loss of her one month old daughter. As this beautiful, healing and thought-provoking conversation unfolds, Sandy shares, not only her challenges, but those of so many, around the themes of loss, relationships, finances, fear, truth and self-esteem. The more she questions, the more profoundly the answers come, and Sandy herself, is in awe as the journey back to love is revealed and simple truths about why we're here, the purpose of life, and the possibilities of peace on earth become the pages of this book. What was God thinking?! is a dialog of inspiration for anyone who's ever wondered.