How To Save And Invest For Life

By John Roberts

This is the true story of how i increased my net worth from nothing, to one million dollars.
It all starts with a little budgeting, and if you buy this book, and follow my rules- it will save you $1,000 dollars each and every single year.

Purchasing this book could be the best investment decision you have ever made.

In today’s market, in this “new” economy you need an edge. You can’t afford to stand idly by and survive. If you want to make it, you need to invest, and you need to save.
If you are in debt, you need to learn how to manage debt so that you can grow your net worth.

This book was written for poor and the middle class investors. If you are an average working stiff, you will learn something from this book.

Learn how to:
Protect you 401k in a bear market, Start an IRA, Hedge against inflation, Pay down your debt, Earn extra income from home, Repair your credit, Use borrowed money to generate wealth.

• Language: English
• Publisher: John Roberts
• Release date: Mar 8, 2012
• ISBN: 9781465781055

John Roberts

 John Roberts is Professor of Art and Aesthetics at the University of Wolverhampton. He is the author of a number of books, including The Intangibilities of Form (Verso, 2007), Philosophising the Everyday (Pluto, 2006) and Revolutionary Time and the Avant-Garde (Verso, 2016). He edited the English translation of Boris Arvatov's classic Art and Production (Pluto, 2017).

Book preview

How To Save And Invest For Life

Copyright 2011 by John Roberts.

Smashwords Edition

All rights reserved. No part of this book may be reproduced in any form or by any electronic or mechanical means, including information storage and retrieval systems, without written permission from the publisher or author, except in the case of a reviewer, who may quote brief passages embodied in critical articles or in a review.

Table of Contents

The List

The pre tax power of the 401k

How to Ask for a Raise.

Cash back credit cards

Convert your debt to equity.

An advanced but risky strategy.

Why does debt quickening work so well?

If most of your money is owed to a credit card.

Here is another example of the power of accelerated debt payments.

Preface:

It has often been said that it is far easier to make money than it is to save it. Millions of Americans can attest to the truth of this axiom.

If money is a measure of value, debt used wisely, provides leverage as means for wealth creation.

Everything you have been told about debt is wrong, and if we continue to treat it as an enemy, most will never achieve financial freedom.

Introduction.

Not so long ago, I owed much more than I could repay. While I was drowning in a sea of debt, I lost my job, and to make mattes worse, the value of my investments plummeted.

This is in part, my story of perseverance. Not only did I get out of that deep dark hole but, this is how I began to build my wealth from nothing. I know things can get bad, but no matter how bleak there is always hope- I know this for a fact because I was there, I came back from the brink- you can as well.

The why and the how

In today’s market, in this new economy you need an edge. You can’t afford to stand idly by and survive. If you want to make it, you need to invest, and you need to save.

If you are in debt, you need to learn how to manage your debt, so that you can grow your net worth.

This book was specifically written for poor and middle class investors. If you are an average working stiff, you will learn something from this book.

Learn how to:

• Protect you 401k in a bear market.

• Start an IRA.

• Hedge against inflation.

• Pay down your debt.

• Earn extra income from home.

• Repair your credit.

• Use borrowed money to generate wealth.

Some sobering statistics

Almost 90 million workers (85%) of all working Americans earn less than thirty grand a year.

Thanks to inflation, and stagnant wages, most families spend more on food, fuel and shelter than they take in. The working poor in American need to learn how to invest, and save if they have any shot at making it in modern day America.

A picture can speak louder than 1000 words- and these images are shouting for attention.

As you can you, the top 1% has captured almost every single penny of income growth since 1979.

Does this crystallize what has happened to the middle class?

If the first chart didn’t, this one will. If you were wondering why your wallet feels lighter than ever, this makes it crystal clear.

A novel idea.

These days, it seems the discussion in Washington is fixated on the idea of taxes, and on spending cuts. Neither of these solutions is going to help America get out of this ditch we are all in collectively.

Now, just as in the depression, we have to be inventive and nimble in order to get ahead.

While everyone is talking about raising taxes, the real discussion needs to be on raising the median wage, which is lower today, than it was in 1982.

If we want to collectively accomplish these goals:

• Get people off of food stamps.

• Broaden the base of federal income tax payers.

• Get people out of poverty.

• Increase personal saving accounts.

• Decrease consumer debt.