Book description
"In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart." -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things-mostly about money and investing-she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical. "But Dad," she once said, "I know money is important. I just don't want to spend my life thinking about it." This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here's an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we'll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don't recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security. A Case Study on how this all can be implemented in real life. Don't let any of this intimidate you. Those that have gone before you say: "....in his patented no-frills and often humorous style, JL makes it both approachable and simple. And powerful.""...effective message told in a visual, funny style.""...a refreshingly unique and approachable take on investing.""JL Collins has the gift of making boring financial concepts funny and interesting.""Instead of esoteric equations about measuring a stock's alpha and comparing it to its beta, he lights up the campfire and starts telling stories." Enjoy the read, and the journey!
Leaf Assassin
With ListenBook, I can immerse myself in captivating stories and enriching knowledge, all in one convenient app. Elegant design and easy-to-navigate interface. Very pleased with ListenBook. The app is perfect for long walks. It keeps me company the whole time.
Soiled Dove
I'm amazed at this app's ability to transport me to different worlds through stories. My audiobook collection has never looked better. Thanks to automatic artwork and metadata.
King Panther
πββοΈπ Combining exercise and exploration β audiobooks make my runs more exciting! πββοΈπ§ Effortless audiobook exploration β this app's functionality is a true delight. ListenBook has seamlessly integrated into my daily routine, becoming an indispensable companion for various activities. Its user-friendly interface, features, and performance make it a must-have for audiobook enthusiasts. ListenBook has made my daily commutes so much more enjoyable. I look forward to listening every day! Perfect for listening to educational content. Highly recommend!
Armed Hawk
ListenBook's dedication to delivering a top-notch experience is evident in every detail. The app is so reliable. Iβve never had any issues with it.
Bridge Whip
I'm in awe of how technology has enhanced my reading experience through this app. Enhancing my daily routines β this app's design makes listening a joy. Discovering new literary worlds has never been this easy. This app's compatibility with various formats ensures that my audiobook library is at my fingertips. ππ The app's compatibility with CarPlay enhances my driving experience. Audiobooks on the road have never been better. The app's integration with Apple Watch makes it an indispensable tool for my active lifestyle.
Willow Dragon
ListenBook has transformed my mundane activities into enjoyable moments of learning and entertainment. Binaural audio processing is a game-changer β my ears stay comfortable during long listening sessions. Elegant design and easy-to-navigate interface. Very pleased with ListenBook. Iβm so impressed with ListenBook. The app is reliable, fast, and packed with features like customizable themes and playback speed. The sleep timer is a lifesaver for bedtime listening. Highly recommend this app!
101
ListenBook's powerful audio downloading features are a dream come true β no more hassles! The app's compatibility with CarPlay has made my road trips so much more enjoyable. ListenBookβs playback is smooth and reliable. I never have issues with audio quality.
Marbles
Thanks to ListenBook, I can enjoy my audiobooks without the need for constant synchronization. The ListenBook app is a must-have for anyone who loves to learn and be entertained through audiobooks. ListenBook's dedication to providing a top-quality audio player is evident in every aspect of the app. ListenBook's support for CarPlay and Apple Watch makes it an essential companion for my daily commutes and workouts. It's convenience at its finest! High-quality playback even with complex formats like FLAC. Impressive!
AlertXis
With this app, I've discovered the joy of learning while I'm on the move β it's like having a tutor by my side. πββοΈπ Experiencing stories while staying active β this app's functionality enhances my walks and runs like never before. π§ποΈ
Trigger Warming
ListenBook has made my daily activities more interesting and meaningful β I'm hooked! Noise reduction in ListenBook Pro ensures crystal-clear playback even in noisy environments.
Alley Fiend
π Adding excitement to each day β this app ensures that every moment is an opportunity to explore new stories. ππ Effortlessly switching between stories β this app's ease of use is impressive. Kudos to ListenBook for the intuitive design and easy-to-use controls. It's evident that they've put a lot of thought into user experience. Chapters make it so easy to pick up where I left off. No more hunting around.
Bad Bunny
Audiobooks have made my commutes so much more enjoyable, and I'm always excited to listen. Audiobooks have never been this immersive β this app transports me to different worlds.
Red Hot Kevorkian
This app has made my commutes and long drives a source of joy and learning. π Dancing through chores with audiobooks β this app turns cleaning into a lively and literary affair! πΆπ Sharing audiobooks with friends through AirDrop is a fantastic way to introduce them to captivating stories.
360
Audiobooks have turned my quiet moments into imaginative journeys β thank you, app! I can't get enough of this app's convenience β it has transformed my audiobook journey into a joyous experience. π Dancing through chores with audiobooks β this app turns cleaning into a lively and literary affair! πΆπ Thanks to ListenBook, downloading audiobooks from various sources has become effortless. Noise reduction on ListenBook Pro is a game-changer. I can enjoy clear recordings.
Serendipity
The ability to listen to books while multitasking is a game-changer for me. The statistics feature on ListenBook helps me track my audiobook consumption β a fantastic way to measure my progress. Unlocking a world of literary possibilities, this app's extensive compatibility and user-friendly controls have made audiobook enjoyment an everyday joy. π±π ListenBook Pro's noise reduction feature is a blessing for clear dictaphone recordings. Adjusting the tone of the voice is a creative feature. It allows for a unique and personalized experience.
Grave Scuttlebutt
This app has turned audiobook listening into a daily ritual for me. With this app, I'm experiencing the joy of reading in a whole new light. Sharing audiobooks with friends through AirDrop is a fun and interactive way to bond over stories. I love the ability to change the font size. It makes reading the titles so easy.
Bleeker
Audiobooks have turned my mundane activities into opportunities for learning and enjoyment. Book groups are a thoughtful addition. They help me keep related titles together for a seamless experience. The variety of supported formats means I can enjoy audiobooks from different sources hassle-free.
Bleachers
This app's ease of use has made my long drives educational and enjoyable. π± Carrying my favorite stories with me wherever I go β this app is like a portable library in my pocket. ππ Flawless support for various audio formats. Highly satisfied.
Sexy
ListenBook Pro's noise reduction feature is a blessing for enjoying clear audio in any environment. ListenBook Pro's noise reduction feature is a true savior for immersive listening, even in busy surroundings. The app is perfect for road trips. It keeps me entertained for hours. Iβm blown away by how feature-rich ListenBook is. From the customizable themes to the car mode, everything is designed with the user in mind. The app works flawlessly, and Iβve had zero issues with crashes or bugs. Highly recommend!
Pinball Wizard
ListenBook's drag and drop downloads from web browsers are a time-saving feature I can't live without. ListenBook's compatibility with different formats ensures I never have to worry about file conversions. ListenBook's support for CarPlay and Apple Watch integration has elevated my listening experience. The app's versatility in audio downloading is impressive. It's a one-stop solution for all my content.
Playing a wide variety of audio formats
Works on all devices with iOS 13 and newer
Huge amount of features for a small price
Frequent updates to add new features and improve existing ones
Advanced playback controls
Live sound processing
Changing the timbre of the reader's voice and noise reduction
Translated into more than 20 languages
If you love listening to fiction audiobooks, ListenBook has features to make the process easier.
Edit book data: title, author, cover
Use equalizer to make the sound comfortable for you
Adjust the playback speed
Enjoy dark and light app themes
Supported formats: MP3, M4B, AWB, FLAC, OGG audio files and many more (must be DRM free)
Auto-Bookmarks make it easy to find your place
AirPlay support allows redirection of audio output.
VoiceOver support
Dark mode for night owls
Convenient bookmarking system helps you mark the most important places.
Unlimited bookmarks for each audiobook
Put your own cover on the wager
Share your audiobook with friends
Lock-screen control
Customise app with extensive options
Sleep timer with shake to reset, set custom notification sounds, and a few unique options
Auto rewind depending on paused time, customize rewind times to your liking
Removing background noise from recordings made in classrooms and meetings
Changing the timbre of the reader's voice for a better listening experience