Save Thousands Buying Your Home

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Publisher : How To Books Ltd
ISBN 13 : 9781857038729
Total Pages : 132 pages
Book Rating : 4.0/5 (387 download)

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Book Synopsis Save Thousands Buying Your Home by : Maxwell Hodson

Download or read book Save Thousands Buying Your Home written by Maxwell Hodson and published by How To Books Ltd. This book was released on 2003 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the need for developing organizing principles for understanding, assessing, and comparing different models of computation.

Financial Peace

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Publisher : Lampo
ISBN 13 : 9780963571236
Total Pages : 268 pages
Book Rating : 4.5/5 (712 download)

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Book Synopsis Financial Peace by : Dave Ramsey

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

How to Save Thousands of Dollars on Your Home Mortgage

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Publisher : John Wiley & Sons
ISBN 13 : 0471421154
Total Pages : 306 pages
Book Rating : 4.4/5 (714 download)

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Book Synopsis How to Save Thousands of Dollars on Your Home Mortgage by : Randy Johnson

Download or read book How to Save Thousands of Dollars on Your Home Mortgage written by Randy Johnson and published by John Wiley & Sons. This book was released on 2002-11-06 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find The Home Mortgage That's Right For You Finding the right mortgage can be complex, confusing, and frustrating. But that doesn't mean you have to settle for anything other than the terms you want. This indispensable and newly updated second edition of How to Save Thousands of Dollars on Your Home Mortgage spells out everything mortgage hunters need to know in clear and accessible terms. It covers more loan alternatives than any other book and examines the importance of discount points. It offers complete details on virtually every mortgage option currently available, what advantages each option offers, how to choose the right one for your needs, and how to save money in the process. New information in this edition will help you use the Internet to find a home and get a mortgage, examine automated underwriting models and conforming loan limits, and weigh new shopping strategies. Easy-to-read charts and graphs, helpful sample forms, and numerous examples will help you understand: * First-time buyers programs * APR, buy-downs, reverse mortgages, accelerated payoffs, and zero point loans * Refinancing strategies * Closing costs, lender fees, and other expenses * How to dispute credit report errors and fix credit problems * How to use the Internet for loan analysis

How To Buy Your Home and Save Money

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Author :
Publisher : Robinson
ISBN 13 : 0716023814
Total Pages : 123 pages
Book Rating : 4.7/5 (16 download)

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Book Synopsis How To Buy Your Home and Save Money by : Susie Heal

Download or read book How To Buy Your Home and Save Money written by Susie Heal and published by Robinson. This book was released on 2014-07-03 with total page 123 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book gives home buyers the knowledge they need to buy a home, and do it right. It covers all areas of the purchase process, whether you are buying for the first time or want to improve on your last experience. Buying property is an expensive business. Apart from the price of the property itself, there are costs and fees every step of the way. But some of these can be avoided or significantly reduced - if you know how. Ø How to negotiate the offer Ø Finding a value mortgage Ø Using the survey results Ø Includes leasehold, new build, auctions and joint purchase Ø Explains the costs and fees, and how to reduce them; Ø Advice on handling the paperwork Ø Includes really useful Money Saving Tips From finding the right property to arranging the funding and completing your purchase, this book will guide you along the way and save you money.

The White Coat Investor

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Publisher : White Coat Investor LLC the
ISBN 13 : 9780991433100
Total Pages : 160 pages
Book Rating : 4.4/5 (331 download)

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Book Synopsis The White Coat Investor by : James M. Dahle

Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

My Money My Way

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Author :
Publisher : Penguin
ISBN 13 : 0593418859
Total Pages : 241 pages
Book Rating : 4.5/5 (934 download)

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Book Synopsis My Money My Way by : Kumiko Love

Download or read book My Money My Way written by Kumiko Love and published by Penguin. This book was released on 2022-02-01 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life.

Broke Millennial Takes On Investing

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Publisher : Penguin
ISBN 13 : 0525505431
Total Pages : 256 pages
Book Rating : 4.5/5 (255 download)

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Book Synopsis Broke Millennial Takes On Investing by : Erin Lowry

Download or read book Broke Millennial Takes On Investing written by Erin Lowry and published by Penguin. This book was released on 2019-04-09 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth.

Home Buying For Dummies

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Publisher : John Wiley & Sons
ISBN 13 : 0470500662
Total Pages : 378 pages
Book Rating : 4.4/5 (75 download)

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Book Synopsis Home Buying For Dummies by : Eric Tyson

Download or read book Home Buying For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2009-04-01 with total page 378 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now updated — America's #1 bestselling home-buying book! Want to buy a house, but concerned about the market? Have no fear — this trusted guide arms you with Eric Tyson and Ray Brown's time-tested advice and updated strategies for buying a home in current market conditions. You'll discover how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. New to this edition — new and expanded coverage to help homebuyers take advantage of low home prices, understand the subprime mortgage crisis, obtain a mortgage, and improve credit scores To buy or not to buy? — weigh the advantages of owning versus renting, get your finances in order, and know how much house you can safely afford Handle financing — understand your credit rating, navigate the different types of mortgages, and complete all paperwork Play the real estate game — find the right location and property, assemble an all-star real estate team, and make the most of the Internet's real estate resources Let's make a deal — negotiate with finesse, make successful offers, inspect and protect your new home, and cover all your bases in escrow "Invaluable information, especially for the first-time home buyer." —Fort Worth Star-Telegram "A reference you'll turn to time after time." —St. Petersburg Times Open the book and find: Reasons why home prices rise and fall Hands-on instruction for buying a home in up or down markets How to pay the price you want The best mortgage options A sample home-buying contract Pros and cons of comparable market analysis Tips for overcoming mortgage and appraisal problems How to cope with buyer's remorse The best real estate Web sites

The No Spend Year

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Author :
Publisher : Coronet
ISBN 13 : 9781473652156
Total Pages : 0 pages
Book Rating : 4.6/5 (521 download)

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Book Synopsis The No Spend Year by : Michelle McGagh

Download or read book The No Spend Year written by Michelle McGagh and published by Coronet. This book was released on 2018-01-11 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Personal finance journalist, Michelle McGagh, takes on a challenge to not spend money for a whole year in an engaging narrative that combines personal experience with accessible advice on money so you can learn to spend less and live more. Michelle McGagh has been writing about money for over a decade but she was spending with abandon and ignoring bank statements. Just because she wasn't in serious debt, apart from her massive London mortgage, she thought she was in control. She wasn't. Michelle's took a radical approach and set herself a challenge to not spend anything for an entire year. She paid her bills and she has a minimal budget for her weekly groceries but otherwise Michelle spent no money at all. She found creative ways to live have a social life and to travel for free. She has saved money but more importantly she is happier. Her relationship with money, with things, with time, with others has changed for the better. The No Spend Year is Michelle's honestly written and personal account of her challenge. But it is more than that, it is also a tool for life. There are top tips for your own finances including easy to understand advice on interest, mortgages, savings , pensions and spending less to help you live a more financially secure life.

Home Buying on a Budget

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Publisher :
ISBN 13 : 9781085864206
Total Pages : 36 pages
Book Rating : 4.8/5 (642 download)

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Book Synopsis Home Buying on a Budget by : Breyana Meeks

Download or read book Home Buying on a Budget written by Breyana Meeks and published by . This book was released on 2019-07-29 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you in the market to purchase a home but have no idea where to start or simply don't have much money to begin? The book "Home Buying on a Budget" reveals the step-by-step process on how to tackle one of the hardest parts of getting into real estate, the money. With a list of grant programs along with a step-by-step guide on how to find a specific grant or down payment assistance program within your area, this book is guaranteed to place you within a home within a matter of a year all while saving you thousands. There are countless real estate books on the market today, so why read this one? What sets it apart from all the others out there? Author, Breyana Meeks, brings a unique perspective that many others do not. As a successful realtor and investor, Breyana has been on both sides of a real estate transaction, so she understands what strategies and techniques will lead to a successful home purchase with limited funds available. That's why she chose the name, "Home Buying on a Budget," for this book. Breyana offers practical, proven techniques on how to save money, find a down-payment assistance or grant program as well as a breakdown of the home buying process, free of fluff or confusing terminology. This book is for anyone ready to buy a home who wants to be as informed as possible as they get ready to begin the process so that there are no surprises.

How to Buy a House with No (or Little) Money Down

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 0471201472
Total Pages : 305 pages
Book Rating : 4.4/5 (712 download)

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Book Synopsis How to Buy a House with No (or Little) Money Down by : Martin M. Shenkman

Download or read book How to Buy a House with No (or Little) Money Down written by Martin M. Shenkman and published by John Wiley & Sons. This book was released on 2002-02-28 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Ultimate guide to finding and financing a home Almost everyone aspires to owning a home, but the reality of coming up with a large enough down payment often stands in the way of making that dream come true. No longer! How to Buy a House with No (or Little) Money Down has helped tens of thousands become homeowners, and now it's your turn! Financing your dream home can be possible even if you never thought you could. This completely updated and expanded Third Edition shows you how. Even if you are relatively cash-poor or have a less-than-perfect credit rating, real estate and financial experts Martin M. Shenkman, CPA, MBA, JD, and Warren Boroson can help you obtain a mortgage and find the house you've always wanted--with expert guidance through all the confusing legal and tax issues involved. Featuring new sections on choosing an agent, using the Internet to search for an agent and a house, and how to win the bidding war, this clear, nontechnical guide tells you how to: * Make seller financing the ticket to your dream home * Take advantage of equity sharing, equity kicker mortgages, and other esoteric techniques * Use lease options to build equity while renting * Apply for and obtain fha, va, family, and other loans you may qualify for * Inspect a house from top to bottom, inside and out * Bargain with a seller and save a bundle * And much, much more You can obtain a down payment and get the most house for your buck--simply read How to Buy a House with No (or Little) Money Down and start making your dream a reality!

Budgeting 101

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Publisher : Simon and Schuster
ISBN 13 : 1507209088
Total Pages : 256 pages
Book Rating : 4.5/5 (72 download)

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Book Synopsis Budgeting 101 by : Michele Cagan

Download or read book Budgeting 101 written by Michele Cagan and published by Simon and Schuster. This book was released on 2018-11-06 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Cagan makes the case that a budget isn’t a buzz killer. It’s financial salvation.” —The Washington Post Don’t break the bank—learn to create and stick to a budget with this comprehensive, easy-to-understand guide to saving money sensibly in this edition of the popular 101 series. Sometimes, it can seem like saving money is impossible. With everyday expenses, from groceries and gas, to the electric bill and lunch money, as well as those unexpected expenses, like car repairs and medical bills, getting—and keeping—control of your finances can feel overwhelming. With Budgeting 101, you can start saving now. This clear and simple guide provides tons of practical advice for keeping track of your finances. With useful tips on setting financial goals, reducing debt, finding ways to save money, and creating and following a budget plan, you’ll have your dollars and cents under control in no time. Why spend more of your hard-earned money on a financial advisor? Filled with expert advice on a wide range of the most common financial concerns and step-by-step instructions to managing your money both now and in the future, Budgeting 101 has you covered.

Buying Your First Home

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Author :
Publisher : CreateSpace
ISBN 13 : 9781511959162
Total Pages : 24 pages
Book Rating : 4.9/5 (591 download)

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Book Synopsis Buying Your First Home by : Timothy Mason

Download or read book Buying Your First Home written by Timothy Mason and published by CreateSpace. This book was released on 2008-04-03 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: You will discover the Ultimate fool proof guide to buying your first home Today only Today only, get this Amazon bestseller for just $0.99. Regularly priced at $4.99. Read on your PC, Mac, smart phone, tablet or Kindle device. Secrets of Property Investment Revealed There's nothing worse than buying a house that you thought was perfect, and then weeks later being devastated because you realized you made a huge mistake. You thought everything was right, you had it all planned out. Then suddenly you realize you missed something, and another thing, and that there are so many other houses out there for better deals you could have gotten.This book is for anyone looking for the ultimate fool proof guide to buying your first home. Take my hand and let me be your Guide Along this Journey to buying your first home. When you finish reading this book you are going to be able to confidently judge whether a house is a sound financial investment or not. You will learn a wide array of techniques to planning your first investment purchase. Regardless if you have never bought an investment property, or you have already purchased dozens of investment property's this book will provide useful insights that will change your view on houses. Benefits of this book Relax and have Peace of Mind with these proven strategies Finally Realize your dreams of buying your perfect home Know that you've made a sound financial decision Feel the satisfaction of owning a home that you can call yours Be on your way to financial freedom What you will learn from this book Amazing Reasons for buying a home The Tax advantages that come with your home Fool proof investment strategies for your home How to Financing your home Learn the Interest and Mortgages for your home How to Find your Dream home How to Inspect your home How to find Home insurance basics How to Negotiate and make an offer How to make the final purchase Today only Today only, get this Amazon bestseller for just $0.99. Regularly priced at $4.99. Read on your PC, Mac, smart phone, tablet or Kindle device. Comes with report on how to retire happy wild and free 100%, Money back Guarantee I personally guarantee if you make a diligent effort to use just a few of the techniques in this course, you'll be on your way to buying your dream home that you love, That's right, your dream home that would not have been possible without this book. If you don't, I'll refund the entire cost of the book to you. just Email Amazon asking for a full refund of my book

Just Keep Buying

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Author :
Publisher : Harriman House Limited
ISBN 13 : 0857199269
Total Pages : 232 pages
Book Rating : 4.8/5 (571 download)

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Book Synopsis Just Keep Buying by : Nick Maggiulli

Download or read book Just Keep Buying written by Nick Maggiulli and published by Harriman House Limited. This book was released on 2022-04-12 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everyone faces big questions when it comes to money: questions about saving, investing, and whether you’re getting it right with your finances. Unfortunately, many of the answers provided by the financial industry have been based on belief and conjecture rather than data and evidence—until now. In Just Keep Buying, hugely popular finance blogger Nick Maggiulli crunches the numbers to answer the biggest questions in personal finance and investing, while providing you with proven ways to build your wealth right away. You will learn why you need to save less than you think; why saving up cash to buy market dips isn’t a good idea; how to survive (and thrive) during a market crash; and much more. By following the strategies revealed here, you can act smarter and live richer each and every day. It’s time to take the next step in your wealth-building journey. It’s time to Just Keep Buying.

12 Simple Ways To Explode Your Savings

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Author :
Publisher : Independently Published
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.3/5 (545 download)

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Book Synopsis 12 Simple Ways To Explode Your Savings by : Chuck Simons

Download or read book 12 Simple Ways To Explode Your Savings written by Chuck Simons and published by Independently Published. This book was released on 2022-09-24 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to Save Money Fast to get the Home of Your Dreams Everyone deserves to own a home no matter the cost. The faster someone saves, the faster they reach their goal of owning a their first home, a second home or a rental home for income. In this book, Chuck Simons and Stacey Baker, teaches that even the smallest step in saving can help you pay off debt and/or save for the future. This step by step guide takes you from simplest to the complex saving methods. Match a savings technique to your personality and follow it exactly to get on track to your first home or investment property.

How To Save Money Buying A House

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Author :
Publisher : Hyperink Inc
ISBN 13 : 1484007085
Total Pages : 19 pages
Book Rating : 4.4/5 (84 download)

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Book Synopsis How To Save Money Buying A House by : The Hyperink Team

Download or read book How To Save Money Buying A House written by The Hyperink Team and published by Hyperink Inc. This book was released on 2012-02-08 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt: ABOUT THE BOOK Owning your own home is a significant achievement that not only provides you with shelter and security, but brings great satisfaction and happiness. For most people a house purchase is the largest investment they will ever make, a financial commitment that will last many years. Looking for ways to save money up front will make it easier to keep up with mortgage payments in case of unexpected financial setbacks. Saving money is not the same thing as buying cheap. Poorly-constructed homes with shoddy workmanship may sell at a lower price, but any savings are lost when the homeowner has to start repairing or replacing things. Buying a cheap house that will not appreciate in value over time is also false economy. It's important to like the house you buy, and simply choosing based on price won't accomplish that. The best way to save money on a house purchase is to plan thoroughly in advance. Do your research, and you can save a ton of money buying a house.. MEET THE AUTHOR The Hyperink Team works hard to bring you high-quality, engaging, fun content. If ever you have any questions about our products, or suggestions for how we can make them better, please don't hesitate to contact us! Happy reading! EXCERPT FROM THE BOOK While your ultimate goal is to buy a home you like in a neighborhood that suits you and your family, you also want this significant investment to retain its value. Buying in the suburbs will save you money, but resale value and equity growth in neighborhoods outside the city may be much lower than at the city center. Take time to educate yourself on the housing market. Learn what adds value (i.e., location near schools, a second bathroom) and what things are pricey perks (i.e., a swimming pool, marble flooring). Gain an understanding of the relationship between house and neighborhood. A extensively renovated and customized house priced at $500,000 in a neighborhood where the average selling price is $250,000 may actually represent poorer dollar value than the same house in a neighborhood where all houses average $500,000. Know what you want. Is a single-family detached house the best option, or would you prefer a condominium? If your lifestyle doesn't require a backyard, save money by purchasing an apartment instead. Housing cooperatives are another money-saving option people may not be aware of. Do you want a brand new house? You may need to look in areas outside the city core, but new home builders offer deals and incentives that can really lower the cost. Do your research and talk to people about their homes. Ask questions. What is the upside and downside of owning a condominium or townhouse? How do you enter a housing cooperative? What is involved in owning a house with a yard? Are there hidden costs to be aware of that may cost more in the long run? Buy a copy to continue reading!

Quit Like a Millionaire

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Author :
Publisher : Penguin
ISBN 13 : 0525538690
Total Pages : 338 pages
Book Rating : 4.5/5 (255 download)

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Book Synopsis Quit Like a Millionaire by : Kristy Shen

Download or read book Quit Like a Millionaire written by Kristy Shen and published by Penguin. This book was released on 2019-07-09 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: From two leaders of the FIRE (Financial Independence, Retire Early) movement, a bold, contrarian guide to retiring at any age, with a reproducible formula to financial independence A bull***t-free guide to growing your wealth, retiring early, and living life on your own terms Kristy Shen retired with a million dollars at the age of thirty-one, and she did it without hitting a home run on the stock market, starting the next Snapchat in her garage, or investing in hot real estate. Learn how to cut down on spending without decreasing your quality of life, build a million-dollar portfolio, fortify your investments to survive bear markets and black-swan events, and use the 4 percent rule and the Yield Shield--so you can quit the rat race forever. Not everyone can become an entrepreneur or a real estate baron; the rest of us need Shen's mathematically proven approach to retire decades before sixty-five.