Howard Ruff has been a fixture in the financial-advice world for 34 years. His book How to Prosper During the Coming Bad Years, published in 1977, is still the world champion.It is...view moreHoward Ruff has been a fixture in the financial-advice world for 34 years. His book How to Prosper During the Coming Bad Years, published in 1977, is still the world champion.It is the biggest-selling financial book in history with over 2.6 million copies sold and was on the top of the New York Times best-seller list for two years in both hard cover and paperback.His newsletter, The Ruff Times, has had over 600,000 subscribers and counting.Howard says he won’t retire until he has to be hauled off the field of battle on his shield. He sometimes complains, “I have a 35 year-old brain in a 78 year-old body,” and he has never lost his interest in following the financial world and the politics that underlies it.Howard has been a charming and engaging fixture on every major talk show, including Oprah, Good Morning America, the Today Show, Regis and Kathy Lee, Donahue, NightLine, Wall Street Week,Crossfire, and others – often multiple times.He’s a maverick who often strays from the usual Wall-Street crowd.view less