The Lies About Money

出版者:Free Press

作者:Ric Edelman

页数:336

出版时间:2008-10-14

价格:USD 16.00

装帧:Paperback

isbn号码:9781416543121

具体描述

RIC EDELMAN has helped more people achieve financial success than any other practicing financial advisor. In 2007, Wealth Manager magazine listed his firm as the largest in terms of number of clients. Barron's four times named him among America's top 100 financial advisors in the country, and in 2004, Ric was inducted into the Financial Advisor Hall of Fame. His books have a million copies in print, including several foreign languages, and have topped the New York Times bestseller list. His national radio show, PBS television specials, syndicated newspaper column, and award-winning Web sites make him a house-hold name. Consumers love Ric's unconventional yet common-sense approach to investing and personal finance. He revealed how everyday Americans achieve financial security in the #1 New York Times bestseller Ordinary People, Extraordinary Wealth . His first bestselling book, the personal financial classic The Truth About Money , was named Book of the Year. Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds -- practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money , Ric's provocative new work, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments -- and your financial future. Ric's unparalleled ability to explain complex financial concepts in a fun and entertaining way resonates with readers. In this book -- his first in more than five years -- he shares his most valuable lessons gained through two decades of working directly with individuals and families. He reveals the lies that have infiltrated your retail mutual funds and retirement accounts, and teaches you how to invest your money in your employer retirement plan, how to save for college, and for those who are retired, how to generate more income without sacrificing security. He shows you that proper money management has nothing to do with "hot tips" and everything to do with scientific analysis, bolstered by solid academic research and historical data. Ric explains exactly how the mutual fund scandal has caused him to change the way he manages his own money and the money entrusted to his firm by thousands of clients nationwide. Along the way, Ric shows you the secrets to investment success -- a long-term focus, the importance of diversification, and the crucial need for (and methods of) portfolio rebalancing. And the book doesn't stop there -- it will actually help you build an investment portfolio, one designed specifically around your needs. The book features a 24-page color insert containing 43 portfolio models, each based on the Edelman Managed Asset Program, one of the largest and fastest-growing money management programs in the country. Ric's fun, interactive Guide to Portfolio Selection? will lead you on a fascinating journey through the book's pages, taking you to the portfolio that's right for you! With insight and strategies that will change people's lives, The Lies About Money offers the truth that everyone is looking for.

用户评价

对于《The Lies About Money》这本书，我必须说，它绝对是近期阅读过的最令人耳目一新的作品之一。这本书的结构安排非常巧妙，它没有采用传统的章节划分，而是将各种观点和案例穿插融合，形成了一种浑然天成的叙事流。我最欣赏的是作者对于“风险”的解读，很多金融书籍往往会将风险描绘成一个需要极力规避的洪水猛兽，而这本书却从另一个角度，将风险视为一种机会，一种成长的催化剂。当然，作者也强调了规避不必要的、盲目的风险的重要性，这种辩证的观点让我印象深刻。书中对“复利”的讲解也不同于我以往的认知，它不仅仅是数学上的公式，更是关于时间和耐心的哲学。读到这部分时，我仿佛看到了自己过去很多急于求成的想法都被一一否定，取而代之的是一种更加长远的规划和稳健的执行力。这本书并非是那种能让你一夜暴富的“秘籍”，而是真正地帮助你建立起一套健康、可持续的财务观念，让你的财富能够稳健增长，而不是像过山车一样跌宕起伏。

《The Lies About Money》这本书，真的是一本能够颠覆你固有认知的宝藏。作者的语言风格非常朴实，没有华丽的辞藻，也没有故弄玄虚的概念，但字里行间都透露出深厚的智慧和对人性的洞察。我尤其被书中关于“债务”的观点所吸引，以往我总认为债务是万恶之源，应该尽力避免。但这本书让我看到了，在特定的情况下，合理的债务也可以成为一种工具，帮助我们实现更大的目标。当然，作者也用大量的篇幅警示了过度负债的危险性，这种平衡的观点让我觉得非常难得。让我印象深刻的还有书中关于“时间和金钱的关系”的探讨，作者认为，我们常常用金钱来衡量时间的价值，但实际上，时间本身才是最宝贵的财富。很多时候，我们为了赚取更多的金钱，却牺牲了陪伴家人、追求兴趣的时间，这种本末倒置的做法，这本书让我有了更深刻的反思。它让我开始重新思考，我真正想要的生活是什么样的，金钱在其中扮演着什么样的角色，以及如何才能在追求物质财富的同时，不失去更重要的东西。

读完《The Lies About Money》，我最大的感受就是，它像是在黑暗中点亮了一盏灯，照亮了我过去很多模糊不清的财务认知盲区。作者的文笔非常流畅，叙事感极强，读起来不像是在看一本枯燥的经济学著作，倒更像是在听一位经验丰富的朋友，娓娓道来他的人生哲学和对金钱的深刻见解。我特别喜欢书中关于“稀缺性”的讨论，它不仅仅停留在理论层面，而是结合了大量的现实案例，让我深刻理解到，很多时候我们所谓的“不足”，并非物质上的匮乏，而是心理上的焦虑和攀比。作者并没有直接给出“你应该怎么做”的指令，而是引导你去思考“为什么你会这么想”，这种循序渐进的引导方式，让我受益匪浅。尤其是在谈到“消费主义陷阱”时，我感觉像是被狠狠地敲了一闷棍，原来我一直以来很多看似合理的消费行为，背后竟然隐藏着如此多的营销策略和心理操控。这本书让我重新审视了自己的消费习惯，开始更加理性地评估每一笔支出，区分“需要”和“想要”，并且开始意识到，真正的富足，并非来自于拥有多少物质，而是来自于内心的平和与满足。

这本书的封面设计相当吸引人，它用一种鲜明、略带挑衅的色调，配上简洁有力的标题，立刻抓住了我的眼球。我一直对金钱和经济这个话题有着浓厚的兴趣，但同时又觉得很多关于金钱的书籍都充斥着大同小异的理论，要么过于空泛，要么过于技术化，让人望而却步。然而，《The Lies About Money》的名字，让我隐约感觉到它可能会带来一些不同的视角，一些真正能触动人心、引发思考的东西。我尤其期待它能揭示一些隐藏在看似“理所当然”的经济规律背后的真相，那些我们常常不经意间接受，却可能对其产生误解的地方。例如，关于“财富自由”这个概念，我总觉得被过度渲染了，或者说，它的实现路径被描绘得过于简单。我希望这本书能从更深层次剖析，什么样的“自由”才是真正的财富自由，它背后的代价和挑战是什么，以及普通人如何在一个充满不确定性的经济环境中，找到属于自己的那条稳健前行的道路。这本书的书评中，很多人提到了它“颠覆性”的观点，这让我非常好奇，究竟是哪些观念被颠覆了？是关于储蓄、投资，还是关于消费？我希望这本书能提供一些切实可行的方法，但更重要的是，它能改变我固有的思维模式，让我对金钱有更清晰、更成熟的认识。

我想说，《The Lies About Money》这本书，真的给我带来了很多惊喜。它没有那种教你如何“发大财”的空洞口号，而是深入浅出地剖析了金钱背后的种种真相，很多观点都直击人心，让我产生了强烈的共鸣。书中的案例非常丰富，涵盖了不同人群、不同情境下的财务困境，让我能够感同身受，并且从中找到解决问题的线索。我特别喜欢作者对于“个人财务责任”的强调，他并没有将所有的问题都归咎于宏观经济或外部因素，而是引导读者反思自己的选择和行为。这种强调个人能动性的观点，让我觉得非常有力量。在读这本书的过程中，我数次停下来，默默地思考，自己过去在财务方面犯过的错误，以及如何才能避免重蹈覆辙。这本书让我认识到，管理金钱不仅仅是关于数字和工具，更是关于心态和习惯。它教会了我如何理性地看待金钱，如何做出更明智的财务决策，以及如何在这个充满挑战的经济世界中，找到属于自己的那份安心和从容。