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!
QuestQuill
I'm amazed at how effortlessly I can immerse myself in stories with this app. As a busy individual, I appreciate ListenBook's versatility in downloading audio files from various sources. It's a time-saver for sure! Savoring captivating stories has become a breeze with this app's sleek design and convenient features. It's like having a personal reading assistant! π±π ListenBook has seamlessly integrated into my daily routine, enhancing my workouts, commutes, and moments of relaxation. It's a true companion.
Mad Rascal
I'm absolutely in love with this app! The interface is so intuitive and user-friendly. This app has added a touch of magic to my mundane moments β I'm forever grateful. This audiobook spoiled me for others! The narrator's professional delivery set a high bar - perfect diction, ideal pacing, and emotional authenticity. The recording quality was equally impressive with no distracting artifacts. I finished it far too quickly because I couldn't stop listening.
Trash
This app has brought stories to life in a way that traditional reading never could. ListenBook's support for multiple download methods ensures I can always access my favorite content. Audiobooks at my fingertips β this app's functionality is truly impressive. ListenBook's drag-and-drop download feature is a time-saving convenience that I greatly appreciate. The app is so responsive. It never lags or freezes.
Slinger
An audiobook lover's dream come true. So many options, I'm in heaven! The diverse selection of audiobooks has made me fall in love with storytelling all over again. I can't get enough of this app β it's a true game-changer for book lovers. I'm hooked on this app's ability to turn any moment into a reading opportunity. Adjusting playback speed has transformed the way I consume audiobooks. I can tailor the pacing to match my learning style and preferences.
Murder Cherry
ListenBook's basic audio filters allow me to fine-tune the audio playback to suit my preferences. ListenBook's dedication to delivering a high-quality playback experience sets it apart from other apps. This app's efficient downloading process ensures that I can enjoy my audiobooks whenever and wherever. I can't thank this app enough for making my audiobook experience exceptional. Its intuitive interface and diverse compatibility are a true game-changer. π±π§ High-quality playback even with complex formats like FLAC. Impressive!
Spooky Electric
ππ Embarking on literary journeys even with my eyes closed β bedtime stories have taken a new form with this app! π΄π§ Effortless audiobook exploration β this app's functionality is remarkable. ListenBook's dedication to providing an excellent audiobook experience is evident in its smooth and silky playback. Quick access to chapters is a blessing. No more scrolling through endless content. CarPlay compatibility is a fantastic addition. It enhances my driving experience with seamless audiobook integration.
Versace-Cat
ListenBook has become my constant companion, filling my days with captivating narratives. This app's ease of use has made my long drives educational and enjoyable. This app is perfect for anyone who loves audiobooks. The interface is sleek and modern, and the playback controls are super responsive. I also appreciate the cloud integration, which lets me access my books from anywhere. Great work!
Frenzy
ListenBook has become my trusted companion, guiding me through the realms of imagination. ππ Road trips have never been this entertaining β this app keeps me engaged on the highway! ππ ListenBook's sleek layout and quick chapter access have made my audiobook journey incredibly enjoyable. Middle-of-the-road experience. The audiobook was fineβgood narration, decent storyβbut it didnβt leave a lasting impression. If youβre looking for something low-commitment, this works.
Poppin Loot
With ListenBook, I can listen to my favorite audiobooks and speeches with the utmost comfort and convenience. The interface is sleek and intuitive, making my audiobook experience a joy. The detailed listening stats are fantastic. Helps me keep track of my progress. The best app for audiobooks. Downloading and organizing files is super easy with ListenBook.
Low Voltage
Audiobooks have become my constant companions during my daily activities. Book groups feature keeps series and related titles together. Neat and tidy!
Find It Girl
Integration with Apple CarPlay has made long road trips so much more enjoyable. The app is so user-friendly. Even my grandma can use it! I love the cloud integration. I can access my books from anywhere. I love the ability to import books from my computer. Itβs so easy. This was a workmanlike audiobook that did the job without flair. The narration was clear and the pacing appropriate, though the delivery lacked some emotional depth. The production quality was acceptable with no major technical issues.
Moon Peaches
The diverse selection of audiobooks has made me fall in love with storytelling all over again. ListenBook has changed the way I listen to audiobooks. The app is so easy to use. ListenBookβs support for CarPlay is great. I can listen to audiobooks in my car easily. 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!
Crazy Rox
I'm hooked on this app's sleek design and seamless performance β it's a must-have for any reader. This app's convenience has made me fall in love with audiobooks all over again. ListenBook's compatibility with various audio formats is impressive. From MP3 to FLAC, it handles them all flawlessly. The app is perfect for people who love to multitask. I can listen while cooking. This app is a must-have for anyone who loves audiobooks. The interface is intuitive, and the app supports all formats. I love the auto-bookmark featureβit saves my place automatically, so I never lose track. Highly recommend!
Feral Filly
With ListenBook, I can explore new genres, learn new topics, and enjoy classic literature with ease. ListenBook has made my commutes more enjoyable, transforming them into learning sessions. Sharing audiobooks through AirDrop is a delightful way to connect with fellow book lovers.
Howitzer Rise
ListenBook's audio filters are a fantastic addition, enhancing the sound quality of my audio files. π§ββοΈβ Sipping tea and getting lost in stories β the ultimate way to unwind! π΅π π§ Finally, an app that understands my need for convenience and ease of use! Audiobooks have never been this accessible. ππ± Binaural audio processing is a game-changer β my ears stay comfortable during long listening sessions. The interface is sleek and intuitive, making my audiobook experience a joy.
Lskeee
This app has transformed my daily routine into moments of literary delight. Audiobook enthusiasts, rejoice! This app's elegant design and robust functionality make it a must-have for anyone who loves to listen on the go. π§π± With ListenBook, I can finally enjoy my audiobooks without worrying about format compatibility. It handles everything! Adjusting the tone of the voice is an innovative feature that sets this app apart.
Elder Pogue
ποΈ The app's functionality is a true work of art β it enhances the audiobook experience and brings stories to life. ππ¨ Seamless audiobook integration β this app's design is remarkable. Adjusting the tone of the voice is so innovative. It's like personalizing the narration. Controls are intuitive and user-friendly, making my audiobook experience seamless.
Flash
ListenBook's sharing options make it a breeze to connect with fellow audiobook enthusiasts and share recommendations. Adjusting the narrator's voice tone is a fun way to personalize the listening experience. Finally, an app that supports a wide range of audio formats! It's a must-have for audiobook enthusiasts.
Troubadour
This app is a game-changer for busy individuals who miss reading. Unlocking a world of literary possibilities, this app's extensive compatibility and user-friendly controls have made audiobook enjoyment an everyday joy. π±π 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 Tone adjustment is a brilliant addition that lets me personalize the narration to my liking. It adds an extra layer of connection to the audiobooks.
Hoover Spark
Changing the tone of the sound on ListenBook Pro is a unique feature that adds a personal touch to my listening. This app's sleek design and effortless navigation have made my audiobook journey a true delight. ππ Embarking on literary journeys even with my eyes closed β bedtime stories have taken a new form with this app! π΄π§ The app is constantly updated with new features. The developers really care.
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