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 ruffianThis 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. Enjoy the read, and the journey!
Bridge Whip
ListenBook's chapters, controls, and filters have taken my audiobook journey to new heights. π Embracing a new reading habit with this app's seamless accessibility. Say goodbye to boredom! π±π ListenBook has become my ultimate audiobook companion. It enhances every listening session.
Mustard Centaur
πΆββοΈπ Embracing audiobooks as my companions during leisurely walks β nature and narratives, a perfect match! πΆββοΈπ§ πͺ Boosting my productivity with this app's efficient multitasking features β audiobook enjoyment while I conquer my to-do list! πΌπ§ I love how I can adjust the skip intervals. Itβs perfect for my listening style.
Most Wanted
The extensive statistics feature on ListenBook helps me track my audiobook consumption habits β so cool! π The simplicity and functionality of this app are top-notch. I can start a book with just a tap and immerse myself in the story instantly. π±π Quick access to chapters and controls makes ListenBook a breeze to use. It's an intuitive experience.
Stealth
The app's stability is impressive β it runs smoothly without any glitches. Audiobooks on this app have made me look forward to my long commutes. Seamless audiobook integration β this app's functionality is a technological marvel. The app's performance is unparalleled. It's like it's tailor-made for my device.
Hemlock
ListenBook's chapters, controls, and filters have transformed my listening sessions into immersive journeys. ListenBook's support for looping and shuffling playback adds versatility to my audiobook enjoyment. ListenBook's compatibility with a wide array of audio formats makes it my ultimate audiobook companion. Noise reduction on ListenBook Pro is a game-changer. I can enjoy clear recordings.
Sapiens
Audiobooks have never been this engaging β this app takes them to the next level. ListenBook has taken my listening pleasure to new heights β it's a true audio marvel. π Long road trips? No problem β this app keeps me entertained mile after mile! ππ Supports a wide range of formats flawlessly. Very happy with it.
Petite Flurry
The minimalist interface and intuitive settings make for an amazing user experience. Managing my audiobook collection is a pleasure thanks to this app's usability.
LoreLoomer
This app's compatibility with various formats ensures that I can enjoy my audiobooks hassle-free. π± Accessing my favorite stories has never been this straightforward β this app's functionality is a bookworm's dream come true. ππ«
Noise Toy
ListenBook's commitment to providing a high-quality audiobook experience is truly commendable. Audiobooks at my fingertips β this app's ease of use is a game-changer.
Snapdragon
ListenBook has reignited my love for storytelling and learning, one audio file at a time. π Embracing a new reading habit with this app's seamless accessibility. Say goodbye to boredom! π±π ListenBookβs bookmarking feature is incredibly useful. I never lose my place in a book.
Bootleg Taximan
I'm hooked on this app's curated content β it's like having a personal librarian. Kudos to the developers for creating an app that caters to audiobook lovers like me. From sleek design to functional features, it's a true gem. ππ Audiobooks have become my constant companions, and this app's seamless functionality and broad compatibility ensure every story is a captivating ride. ππ§ ListenBook's drag-and-drop download feature from web browsers is incredibly convenient. Downloading audiobooks has never been this easy. ListenBook has made listening to audiobooks a breeze. The smooth playback and intuitive interface are unmatched.
Shadow Chaser
I've found solace and relaxation in the pages of countless audiobooks. This app is my secret to staying ahead on my reading list, even during my busiest days.
Unseen
Audiobooks on this app have made my morning rituals something to look forward to. ListenBook's audio filters allow me to customize the audio playback to suit my preferences perfectly. ListenBookβs bookmarking feature is incredibly useful. I never lose my place in a book.
Sir Squire
Audiobooks have become my constant companions, and this app's seamless functionality and broad compatibility ensure every story is a captivating ride. ππ§ Noise reduction feature is magic. Now I can listen to recordings even in noisy settings. Easy access to chapters and silky-smooth playback. Love it! Iβve been using ListenBook for months, and itβs been a fantastic experience. The app is lightweight, doesnβt drain my battery, and works perfectly in the background. The equalizer and voice boost features are amazing. Highly recommend!
LuminaLore
ListenBook's user-friendly interface and intuitive controls make it a joy to navigate through my audiobooks. Audiobooks made accessible and enjoyable β this app's design is a triumph. The app is very user-friendly. ListenBook makes listening to audiobooks a breeze.
Mr. Gadget
ListenBook has brought the joy of audiobooks back into my life in a whole new way. This app is my secret to staying ahead on my reading list, even during my busiest days. π‘ This app truly understands the needs of audiobook enthusiasts β it delivers an effortless and enjoyable listening experience. ππ§ Sharing audiobooks with friends is so easy with AirDrop. It's a great way to spread happiness.
Venious
ListenBook's support for multiple download methods ensures I can always access my favorite content. This app has turned even the most ordinary moments into reading sessions. I'm amazed at how this app has turned my errands into exciting reading sessions. Book groups feature keeps series and related titles together. Neat and tidy! The interface is sleek and intuitive, making my audiobook experience a joy.
Stacker of Wheat
The narrator's voice in some audiobooks is so soothing, it's like a spa for the ears. ListenBook's multiple ways to download audio, including from the internet, are a game-changer. π₯ Adding a spark of excitement to my daily routine β this app is my secret weapon! β¨π ListenBook Pro's noise reduction feature has made my recordings sound clearer than ever. ListenBook has made listening to audiobooks a breeze. The smooth playback and intuitive interface are unmatched.
MysticMingle
πββοΈπ Running through chapters has never been smoother β the app's streamlined functionality keeps me on track with my reading goals. πββοΈπ§ The app's versatility in audio downloading is unmatched. It's a comprehensive solution for my audiobook needs. Supports artwork and metadata perfectly. My library looks great!
WanderWord
Audiobooks on this app have made my workouts more enjoyable and productive. I'm addicted to this app's ability to turn mundane moments into opportunities for intellectual growth. πΆ Saying goodbye to tangled headphones and complex controls β this app's easy navigation has made audiobook listening a breeze. π΅π Tone adjustment is such a unique feature. It's like customizing the narrator's voice.
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