{"product_id":"how-to-speak-money-isbn-9781118114957","title":"How to Speak Money","description":"Do you speak money? You should. It is the world’s most important language. It’s spoken everywhere. Speaking—or at least understanding—this language allows you to follow the real conversations in politics, business, and at work. Understanding money and speaking the language fluently is critical to preparing for a comfortable retirement, building a small business, planning for college and a career for your children. Everyone speaks it differently, with different dialects. Some are riskier than others. Some want to save their money; others want to see it grow. There is no one accent, but understanding the differences will make couples, business partners, and coworkers happier—and wealthier. Authors and CNN financial experts Ali Velshi and Christine Romans speak the global language of money and translate it every day for hundreds of thousands of viewers. And they are here to teach you, too. It’s easier to learn than you might think.  \u003cp\u003eSpeaking money affects every area of your life. It’s more than simply your savings or the investments you may have. It involves the way you think about money, the way you teach your children about it, and the way you were taught about it yourself. It’s about the way you spend it, save it, invest it, use it, need it and want it. The book will:\u003c\/p\u003e \u003cul\u003e \u003cli\u003eShed light on the male and female spending and investing disparity\u003c\/li\u003e \u003cli\u003eDiscuss emerging international economies\u003c\/li\u003e \u003cli\u003eWeigh the financial hurdle of student debt culminating in a successful job\u003c\/li\u003e \u003cli\u003eExplain how to budget wisely and build wealth\u003c\/li\u003e \u003cli\u003eShow how to plan appropriately for retirement\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003e\u003ci\u003eHow to Speak Money\u003c\/i\u003e is an easy-to-read, practical book that helps readers become fluent in the world’s most universal language.\u003c\/p\u003e \u003cp\u003eAcknowledgments xi\u003c\/p\u003e \u003cp\u003eIntroduction xiii\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1 \u003c\/b\u003e\u003cb\u003eThe Big Picture \u003c\/b\u003e\u003cb\u003e1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMoney Is Everywhere 2\u003c\/p\u003e \u003cp\u003eUnderstanding Money 4\u003c\/p\u003e \u003cp\u003eWhere Are You? 5\u003c\/p\u003e \u003cp\u003eGetting to Where You Want to Go 6\u003c\/p\u003e \u003cp\u003eGetting Started 7\u003c\/p\u003e \u003cp\u003eThe Key to Wealth: Live Below Your Means 9\u003c\/p\u003e \u003cp\u003eChange with the Times 10\u003c\/p\u003e \u003cp\u003eIt’s Up to You 11\u003c\/p\u003e \u003cp\u003eDifferent Strokes, Different Folks 12\u003c\/p\u003e \u003cp\u003eMaking Your Plan 12\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2 \u003c\/b\u003e\u003cb\u003e\u003ci\u003eWe \u003c\/i\u003e\u003c\/b\u003e\u003cb\u003eFight About Money, Too \u003c\/b\u003e\u003cb\u003e15\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eA Failure to Communicate 17\u003c\/p\u003e \u003cp\u003eHow Do You Have a Difficult Conversation? 18\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3 Gendernomics 27\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eShifting Roles 29\u003c\/p\u003e \u003cp\u003eAre You Sure We’re Talking about the Same Thing? 30\u003c\/p\u003e \u003cp\u003eWhy Do Smart People Buy Stupid Things? 32\u003c\/p\u003e \u003cp\u003eWomen and Investing 33\u003c\/p\u003e \u003cp\u003eGendernomics in the Workplace 35\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4 \u003c\/b\u003e\u003cb\u003eSpeaking Money around the World \u003c\/b\u003e\u003cb\u003e39\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eA Brief History 40\u003c\/p\u003e \u003cp\u003eClimbing Up the Ladder 42\u003c\/p\u003e \u003cp\u003eA Fish Story 44\u003c\/p\u003e \u003cp\u003eGlobalization: Good or Bad? 45\u003c\/p\u003e \u003cp\u003eWhat Goes Around Comes Around 48\u003c\/p\u003e \u003cp\u003eWho’s Zooming Who? 49\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5 \u003c\/b\u003e\u003cb\u003eSpeaking Money at Work \u003c\/b\u003e\u003cb\u003e53\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSpeak STEM 55\u003c\/p\u003e \u003cp\u003eDirty Jobs 57\u003c\/p\u003e \u003cp\u003eGreen Jobs 58\u003c\/p\u003e \u003cp\u003eWomen and Work 60\u003c\/p\u003e \u003cp\u003eGetting a Job 61\u003c\/p\u003e \u003cp\u003eThe Long-Term Unemployed 65\u003c\/p\u003e \u003cp\u003eYou Wanna Start Something? 67\u003c\/p\u003e \u003cp\u003eNot-So-Happy Campers 68\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6 \u003c\/b\u003e\u003cb\u003eSpeaking Money on Campus \u003c\/b\u003e\u003cb\u003e71\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHigh School Then, College Today 72\u003c\/p\u003e \u003cp\u003eA College Degree Never Hurt Anyone 74\u003c\/p\u003e \u003cp\u003eThe Future Starts in Grade School 75\u003c\/p\u003e \u003cp\u003eEducation for Life 76\u003c\/p\u003e \u003cp\u003eHow Should You Look at College? 77\u003c\/p\u003e \u003cp\u003eThinking of Changing Fields? 81\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7 \u003c\/b\u003e\u003cb\u003eSpeaking Money in the Market \u003c\/b\u003e\u003cb\u003e87\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCash Equivalents 89\u003c\/p\u003e \u003cp\u003eLet’s Speak Bonds 91\u003c\/p\u003e \u003cp\u003ePrice versus Yield 92\u003c\/p\u003e \u003cp\u003eThe World of Stocks 94\u003c\/p\u003e \u003cp\u003eInternational Investing 95\u003c\/p\u003e \u003cp\u003eStepping into the Market 97\u003c\/p\u003e \u003cp\u003eMutual Funds 98\u003c\/p\u003e \u003cp\u003eIndex Funds 99\u003c\/p\u003e \u003cp\u003eExchange Traded Funds (ETFs) 102\u003c\/p\u003e \u003cp\u003eDo Your Homework! 102\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8 \u003c\/b\u003e\u003cb\u003eSpeaking Money to Investment Principles \u003c\/b\u003e\u003cb\u003e107\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePrinciple 1: There Is a Direct Relationship between Risk and Return 107\u003c\/p\u003e \u003cp\u003ePrinciple 2: Time Is Your Friend 114\u003c\/p\u003e \u003cp\u003ePrinciple 3: Diversifi cation Lowers Your Risk and Improves Your Return 114\u003c\/p\u003e \u003cp\u003eAsset Allocation: The Key to Results 116\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9 \u003c\/b\u003e\u003cb\u003eSpeaking Money in Your Own Portfolio \u003c\/b\u003e\u003cb\u003e119\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eYour Investment Questionnaire 120\u003c\/p\u003e \u003cp\u003eYour Model Portfolios 125\u003c\/p\u003e \u003cp\u003eThe Importance of Rebalancing 128\u003c\/p\u003e \u003cp\u003eFinancial Advisors—Yes or No? 129\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10 \u003c\/b\u003e\u003cb\u003eSpeaking Money on the Home Front \u003c\/b\u003e\u003cb\u003e135\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBuying a Home 138\u003c\/p\u003e \u003cp\u003eRent versus Buy: One Man’s Story 145\u003c\/p\u003e \u003cp\u003eWhat If You’re Selling? 146\u003c\/p\u003e \u003cp\u003eWhen Is the Best Time to Buy? 149\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11 \u003c\/b\u003e\u003cb\u003eSpeaking Money on Budget \u003c\/b\u003e\u003cb\u003e153\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSoftware Makes Budgeting Easier 155\u003c\/p\u003e \u003cp\u003eHere Comes the Rain 156\u003c\/p\u003e \u003cp\u003eWhat Does It Cost to Live? 157\u003c\/p\u003e \u003cp\u003eGetting Out of Debt 160\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12 \u003c\/b\u003e\u003cb\u003eSpeaking Money in Retirement \u003c\/b\u003e\u003cb\u003e163\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Historical Perspective 164\u003c\/p\u003e \u003cp\u003eRetirement Is Expensive 166\u003c\/p\u003e \u003cp\u003ePrograms to Fund Your Retirement 168\u003c\/p\u003e \u003cp\u003ePlay a Waiting Game 171\u003c\/p\u003e \u003cp\u003eSocial Security: The Nation’s Safety Net 173\u003c\/p\u003e \u003cp\u003eSumming It Up 174\u003c\/p\u003e \u003cp\u003eLiving Your Golden Years 175\u003c\/p\u003e \u003cp\u003eAfterword 177\u003c\/p\u003e \u003cp\u003eBibliography 179\u003c\/p\u003e \u003cp\u003eAbout the Authors 181\u003c\/p\u003e \u003cp\u003eIndex 185\u003c\/p\u003e \u003cp\u003e\t \u003c\/p\u003e\u003cp\u003e\u003cb\u003eALI VELSHI\u003c\/b\u003e is CNN's Chief Business Correspondent and host of\u003ci\u003eYour Money.\u003c\/i\u003e His in-depth reporting on the auto industry was honored with a National Headliner Award for Business \u0026amp; Consumer reporting in 2010. He anchored CNN's coverage of the attempted terror attack on a flight into Detroit, for which CNN was nominated for a 2010 Emmy. He is the author of\u003ci\u003e Gimme My Money Back: Your Guide to Beating the Financial Crisis.\u003c\/i\u003e \t \u003c\/p\u003e\u003cp\u003e\u003cb\u003eCHRISTINE ROMANS\u003c\/b\u003e is the host of \u003ci\u003eYour Bottom Line,\u003c\/i\u003e CNN's Saturday morning personal finance and lifestyle program and the money reporter for CNN's \u003ci\u003eAmerican Morning.\u003c\/i\u003e Her reports are carried on CNN's platforms worldwide. Among her awards is an Emmy for her reporting on outsourcing American jobs. From Timothy Geithner and Venus Williams to Tony Hawk and Russell Simmons, Romans interviews a diverse range of public personalities on financial issues facing Americans. She is the author of\u003ci\u003e Smart Is the New Rich\u003c\/i\u003e (Wiley), based on her experience covering the financial crisis.   \u003c\/p\u003e\u003cp\u003eYou're the one working hard to make a living, but once you've made your money, who controls it?\u003c\/p\u003e \u003cp\u003eDo you speak money? You should. It is the world's most important language. It's spoken everywhere. Speaking—or at least understanding—this language allows you to follow the real conversations in politics, business, and at work. Understanding money and speaking the language fluently is critical to preparingfor a comfortable retirement, building a small business, and planning for college and a career for your children. Everyone speaks it differently, with different dialects. Some are riskier than others. Some want to save their money; others want to see it grow. There is no one accent, but understanding the differences will make couples, business partners, and coworkers happier—and wealthier. Authors and CNN financial experts Ali Velshi and Christine Romans speak the global language of money and translate it every day for hundreds of thousands of viewers. And they are here to teach you, too. It's easier to learn than you might think.\u003c\/p\u003e \u003cp\u003eSpeaking money affects every area of your life. It's more than simply your savings or the investments you may have. It involves the way you think about money, the way you teach your children about it, and the way you were taught about it yourself. It's about the way you spend it, save it, invest it, use it, need it, and want it. This book will:\u003c\/p\u003e \u003cul\u003e \u003cli\u003e \u003cp\u003eShed light on why men and women spend and invest differently\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eDiscuss emerging international economies\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eWeigh the financial hurdle of student debt culminating in a successful job\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eExplain how to budget wisely and build wealth\u003c\/p\u003e \u003c\/li\u003e \u003cli\u003e \u003cp\u003eShow how to plan appropriately for retirement\u003c\/p\u003e \u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eHow to Speak Money is an easy-to-read, practical book that helps readers become fluent in the world's most universal language.\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eYou're the one working hard to make a living, but once you've made your money, who controls it?\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003e\u003cb\u003eDo you speak money?\u003c\/b\u003e You should. It is the world's most important language. It's spoken everywhere. Speaking—or at least understanding—this language allows you to follow the real conversations in politics, business, and at work. Understanding money and speaking the language fluently is critical to preparing for a comfortable retirement, building a small business, and planning for college and a career for your children. Everyone speaks it differently, with different dialects. Some are riskier than others. Some want to save their money; others want to see it grow. There is no one accent, but understanding the differences will make couples, business partners, and coworkers happier—and wealthier. Authors and CNN financial experts Ali Velshi and Christine Romans speak the global language of money and translate it every day for hundreds of thousands of viewers. And they are here to teach you, too. It's easier to learn than you might think. \u003c\/p\u003e\u003cp\u003eSpeaking money affects every area of your life. It's more than simply your savings or the investments you may have. It involves the way you think about money, the way you teach your children about it, and the way you were taught about it yourself. It's about the way you spend it, save it, invest it, use it, need it, and want it. This book will: \u003c\/p\u003e\u003cul\u003e \u003cli\u003e\u003cb\u003eShed light on why men and women spend and invest differently\u003c\/b\u003e\u003c\/li\u003e \u003cli\u003e\u003cb\u003eDiscuss emerging international economies\u003c\/b\u003e\u003c\/li\u003e \u003cli\u003e\u003cb\u003eWeigh the financial hurdle of student debt culminating in a successful job\u003c\/b\u003e\u003c\/li\u003e \u003cli\u003e\u003cb\u003eExplain how to budget wisely and build wealth\u003c\/b\u003e\u003c\/li\u003e \u003cli\u003e\u003cb\u003eShow how to plan appropriately for retirement\u003c\/b\u003e\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003e\u003ci\u003eHow to Speak Money\u003c\/i\u003e is an easy-to-read, practical book that helps readers become fluent in the world's most universal language.  “\u003ci\u003eHow To Speak Money\u003c\/i\u003e by Ali Velshi and Christine Romans is a tutorial for the last taboo subject... our money. Ali and Christine remove the mystery and help us understand smart strategies for financial independence, growth, and security.  The book fascinates as it teaches. Ali, the dare devil who takes risks and Christine the fiscal conservative who lives consciously. This book should be required education for everyone.  People communicate more openly about sex than money. Each person in a relationship, whether business or personal, needs to understand and resolve,  different points of view about debt, saving, investing and spending. If men are from Mars and women are from Venus, most of us live on the confused planet of Pluto, when it comes to dollars and sense.  \u003ci\u003eHow to Speak Money\u003c\/i\u003e, is the new gift for loved ones, colleagues, non-profits and friends. This Christmas, because of this great new book, the people in my life will finally be speaking the same language in matters of finance. Thank you, Ali and Christine.”—Kathy Ireland, CEO and Chief Designer of kathy ireland Worldwide.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989384184037,"sku":"NP9781118114957","price":24.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781118114957.jpg?v=1761783899","url":"https:\/\/k12savings.com\/es\/products\/how-to-speak-money-isbn-9781118114957","provider":"K12savings","version":"1.0","type":"link"}