David Bach – författare

In Start Late, Finish Rich, David Bach provides much-needed advice for all those who've asked themselves 'Why didn't I start saving when I was younger?' Whether you're in your thirties, forties, fifties or sixties you still have the opportunity to put your life on the right track and stop worrying about the future. Using the Finish Rich wisdom that has already inspired millions of people, David Bach shows how you really can transform your finances with the right attitude and clear, step-by-step guidance. This positive, practical book is packed with a wealth of information on how to get out of debt, save more, earn more, and most importantly LIVE more! You've spent long enough working for money; now it's time to make your money work for you.

In Start Late, Finish Rich, David Bach provides much-needed advice for all those who've asked themselves 'Why didn't I start saving when I was younger?' Whether you're in your thirties, forties, fifties or sixties you still have the opportunity to put your life on the right track and stop worrying about the future. Using the Finish Rich wisdom that has already inspired millions of people, David Bach shows how you really can transform your finances with the right attitude and clear, step-by-step guidance. This positive, practical book is packed with a wealth of information on how to get out of debt, save more, earn more, and most importantly LIVE more! You've spent long enough working for money; now it's time to make your money work for you.

Making your money work for you ... automaticallyIn The Automatic Millionaire David Bach unlocks the secret to getting rich. Cutting through the jargon, it's full of common-sense advice and practical strategies to help you take control of your finances. The step-by-step guide and no-budget, no-discipline, no-nonsense system makes reaching financial security amazingly simple and easy, no matter what your income. You can get rid of the debt that's holding you down. You can get on top of your day-to-day expenses. You can create a safety net that will protect you from life's unknowns. You can have the money to get the things you want. You can build a seven-figure nest egg that will keep you secure and comfortable for the rest of your life.This book has the power to secure your financial future and change your life. All you have to do is follow the one-step programme - the rest is automatic!

Modern American life is filled with the language of mortgages, credit cards, investing, inheritances, pensions, and all the other financial situations we find ourselves in every day. A basic understanding of this vocabulary is essential in making smart money decisions. 1001 Financial Words You Need to Know defines and demystifies the essential terminology of money and commerce. Comprehensive but never condescending, financial expert David Bach explains every term clearly, including a sample sentence and supplemental notes for many entries. In addition, he includes a number of quick miniguides to managing your financial life that include information on understanding credit and compound interest, balancing your portfolio, making a savings plan, buying property, and purchasing insurance. The appendixes in the back contain an extensive list of common financial equations and a helpful bibliography of business books for further reading.An ideal guide for everyone from business school students to homeowners taking out a mortgage, 1001 Financial Words You Need to Know is the perfect vocabulary-building companion to the complex world of money and finance.

Do you know what a balloon payment or a credit score is? A Sharpe ratio? A market-timer? Unfortunately, most people do not know these and many other important financial terms--until it is too late.In The Finish Rich Dictionary, best-selling author David Bach defines and demystifies the language of finance, giving readers the power to understand their finances, manage their money more effectively, and plan for their future. Thiscompact volume provides clear definitions (with frequent sample sentences and occasional usage notes) for terms such as "adjustable rate mortgage," "consumer price index," "Fannie Mae," "keiretsu," "Latte factor,""monetarism," "narrow money," "no-load," "Patriot bond," "rack rent," "Roth IRA," "Sallie Mae," "stagflation," "tiger economy," "value stock," "white goods," and "zaibatsu." In addition to the essential 1001 words, the book also includes many explanatory essays about important (and often confusing) topics. Readers can learn if they have a credit card problem and, if so, how to solve it. Other essays shed light on how to buy a home, the top ten money mistakes people make, understanding yourcredit score, how to hire a financial advisor, and how to plan for retirement. Finally, the book includes a list of common financial equations, an interest rate calculator table, and an extensive listingof books for further reading, making The Finish Rich Dictionary a truly practical all-around financial guide and reference book.Whether you are a business school student or a homeowner taking out a mortgage, The Finish Rich Dictionary is the ideal companion to the complex world of money and finance.

EL MÉTODO SENCILLO DE DAVID BACH PERMITIRÁ QUE TU PROPIA CASA TE HAGA RICO–AUTOMÁTICAMENTE.Por qué El Millonario Automático Dueño de Casa te es indispensable:No necesitas un pago inicial exorbitante para comprar una casa o un apartamento.No es necesario que tu crédito sea excelente.Debes comprar incluso si tienes deudas en tus tarjetas de crédito.Puedes adquirir una segunda propiedad incluso si todavía estás pagando la primera.Puedes hacer tu primera compra de bienes ra’ces cualquiera que sea la situación del mercado–en alza o en baja.Alquilarle tu propia casa a otra persona es más fácil de lo que piensas.From the Trade Paperback edition.

¿Quieres vivir rico y jubilarte aun más rico? ¿Lo bastante rico como para hacer lo que quieras cuando quieras? ¿Lo bastante rico como para tener un impacto positivo y ayudar a los demás?

 

Si la respuesta es “sí”, deja entonces lo que estás haciendo y abre este libro. El millonario automático comienza con la impactante historia de una pareja típica estadounidense —él es administrador de bajo nivel y ella, esteticista– cuyo ingreso combinado nunca sobrepasa los $55.000 al año, aunque se las arreglan para ser propietarios de dos viviendas libres de deudas, pagar los gastos del college de sus hijos y retirarse a los 55 años con ahorros de más de 1 millón de dólares. A través de su historia ustedes conocerán el hecho sorprendente de que áno hay manera de hacerse rico con un presupuesto! Tienes que tener un plan que te pague a ti primero y que sea totalmente automático, un plan que automáticamente asegure tu futuro y pague por tu presente.

 

LO QUE DISTINGUE A EL MILLONARIO AUTOMÁTICO:

 

No necesitas ganar mucho dinero

No necesitas un presupuesto

No necesitas poder de voluntad

Puedes establecer el plan en una hora

 

El método fácil de Bach para asegurar que tu vida financiera sea automática trabaja mientras duermes. Todo lo que tienes que hacer es seguir este programa de un solo paso hacia la seguridad financiera...¡el resto es automático!

From the Trade Paperback edition.

GOODBYE DEBT—HELLO FREEDOM! Most of us grew up with the idea that there is good debt and there is bad debt.   Good debts are generally considered to be debts you incur to buy things that can go up in value—like a home or college education.  Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America’s favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt.   There is only debt.  And all debt is too expensive—if what you desire is FREEDOM!  In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before—starting today!In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom— forever!  Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living – debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically.  You’ll learn how to calculate your Debt Freedom Day – the actual date you will be completely free of debt.  And you’ll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected.David Bach has coached millions to pay off their debt and now he can guide you.  Whether you have home loans, student loans, car loans, credit card debt—paying down your debt is truly a game you can win, if you know the rules.  Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.  From the Hardcover edition.

Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires!  Will you be one? In Start Over, Finish Rich, America''s best-loved financial expert, David Bach, explains that 2010 will be the best opportunity for building wealth we have seen in decades. And, as the economy recovers, you must be set up to recover with it. Bach''s easy, take-action plan will show you how. Start Over, Finish Rich supplies the ten crucial moves you must make in 2010 to get back on track and recapture your dreams of a richer future. Learn how to: * Get out of debt* Fix your credit* Rebuild your 401k plan* Improve your 529 Plan* Take smart risks * Reorganize your financial life for the high tech age* Update your real estate plan* Change your thinking about money* Recommit to wealth As Bach says, "A recession is a terrible thing to waste—so don''t waste this one! Use it instead to get rich." Read Start Over, Finish Rich and let David Bach put you and your family back on the path to financial freedom.      From the Trade Paperback edition.

EL PLAN DE BATALLA DE DAVID BACH TE AYUDARÁ A LUCHAR POR TU DINERO AHORA, CUANDO MÁS LO NECESITASAhora mismo, lo sepas o no, estamos en medio de una batalla contra las grandes corporaciones e instituciones económicas cuyo único fin es quitarnos el dinero que hemos ganado con tanto esfuerzo.Sus  reclamos engañosos, información retenida, cargos ocultos, puntos extra, multas por retraso y tarifas incrementales te están costando miles de dólares. Nosotros, los consumidores, hemos estado perdiendo la batalla porque ELLOS están mejor equipados para llevarse nuestro dinero que NOSOTROS para guardarlo. Hasta ahora. Si te enfurece que te estafen –y debería– te invito a que te unas a un movimiento de consumidores inteligentes y capacitados que están usando las herramientas y estrategias que este libro ofrece para luchar por su dinero. LUCHA POR TU DINERO te dará los conocimientos necesarios para AHORRAR miles de dólares donde más lo necesitas: •Bancos y tarjetas de crédito•Aerolíneas•Aseguradoras•Hospitales•Inmobiliarias•Televisión por cable o satélite•Telefonía, celulares e Internet•ImpuestosPasa unas horas conmigo y juntos podremos LUCHAR por tu dinero y GANAR.From the Trade Paperback edition.

COMPLETELY REVISED AND UPDATED WITH A NEW BONUS CHAPTER   Do you want to live rich and retire richer? Rich enough to do what you want to do when you want to do it? Rich enough to stop worrying about money? Rich enough to make a difference and help others?   If the answer is yes, then stop what you are doing and open this book. Read a few pages. Bach’s easy approach to making your financial life automatic works while you sleep. All you have to do is follow his one-step program to financial security—the rest is automatic!From the Trade Paperback edition.

Updated and revised for a new generation of couples, David Bach''s classic money guide teaches couples how to build stable financial wealth that lasts.David Bach, nationally renowned financial advisor and author of the bestselling Smart Women Finish Rich, knows that it doesn''t have to be this way. After years of first-hand experience working with couples young and old, David Bach reveals that through communication and partnership, planning your finances together can be both fun and easy when you have the right tools. In Smart Couples Finish Rich, Expanded and Updated, David Bach offers couples a step-by-step guide to building and maintaining financial wealth that has been tailored to fit our current economy, but will last for years to come. Instead of avoiding each other when it comes time to balance the checkbook, you and your partner will learn how to come together and identify your core values and dreams, creating a spending and saving plan that reflects your values as a couple. Packed with easy-to-use tools that will take you from credit-card management to long-term care, each chapter will guide you and your partner as a team toward a more rewarding financial plan based on the same overall financial objectives. The Smart Couples Finish Rich nine-step journey provides every couple with strategies for organization, communication, and smarter spending that you can put into action immediately. This journey reveals:* The Couples'' Latte Factor -- how to build a million-dollar portfolio on $3.50 a day* How to talk to your partner about money without fighting* How to increase your income by 10 percent in nine weeks* The FinishRich File Folder System -- giving yourself a financial clean-up* The 10 biggest mistakes couples can makeA book for couples of all ages and all tax brackets, Smart Couples Finish Rich is the ultimate guide for creating a lifetime of wealth--both personal and financial.

Updated and revised for a new generation, David Bach''s classic money guide teaches women how to build stable financial wealth that lasts.With hundreds of thousands of copies in print around the world, Smart Women Finish Rich, by renowned financial advisor David Bach, has shown women of all ages and backgrounds how to take control of their financial future and finish rich. Whether you''re working with a few dollars a week or a significant inheritance, Bach''s nine-step program gives you tools for spending wisely, establishing security, and aligning money with your values. Plus, in this revised and updated edition, David Bach includes critical new long-term investment advice, information on teaching your kids about money, Internet resources, and new ways to attract greater wealth--personal and financial--into your life.

What''s the secret to becoming a millionaire? In The Automatic Millionaire, David Bach shares that secret. The Automatic Millionaire starts with the powerful story of an average American couple -- he''s a low-level manager, she''s a beautician -- whose joint income never exceeds $55,000 a year, who somehow manage to own two homes debt-free, put two kids through college, and retire at fifty-five with more than $1 Million in savings. Through their story you''ll learn the surprising fact that you cannot get rich with a budget! You must have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present. What Makes The Automatic Millionaire Unique: • You don''t need to make a lot of money • You don''t need a budget • You don''t need willpower • You don''t need to be that interested in money • You can set up the plan in an hour This one little audiobook has the power to secure your financial future. Do it once -- the rest is automatic!

With this essential companion to the automatic #1 national bestseller, you can put pencil to paper and make your seven-figure dreams come true!The Automatic Millionaire rocketed to instant bestseller status because in its pages America’s best-loved money coach, David Bach, delivered a uniquely foolproof, hassle-free plan for achieving financial security even if you have zero willpower. Now The Automatic Millionaire Workbook lets you tailor that strategy to your own financial life in a line-by-line personal plan. The workbook features:The five questions that determine with 90 percent certainty if you will be an Automatic MillionaireCharts and checklists for paying down debt while you saveA clear path for any renter to become a home ownerWorksheets to set savings goals and meet them, no matter how much you makeA game plan for paying off mortgages earlyThe one crucial step that guarantees your financial plan will succeed Details on where to invest, what phone calls to make, and exactly what to say when automating your financial futureAlong the way, you will be inspired by stories of ordinary Americans from all walks of life who are becaming Automatic Millionaires. The Automatic Millionaire Workbook makes it easier than ever for you to put your financial life on autopilot and finish rich –-without a budget. You’ve dreamed it, now write it and do it. The rest is automatic!

David Bach’s Simple System for Building Wealth Through Homeownership Will Help You Finish Rich in Any Market—AutomaticallyUpdated with a new chapter of success storiesOwning a home has always been the American Dream, and in The Automatic Millionaire Homeowner, David Bach shows that buying a home and investment properties is not only possible, it is still the surest way to reach your seven-figure dreams on an ordinary income. Whether you are a renter or already own a home, Bach’s book offers a lifelong strategy for real estate based on timeless wisdom that is tried and true—in any market. He includes everything you need to know, with step-by-step instructions, including phone numbers and web sites, so you can get started right away. As long as you’re alive, you have to live somewhere. Why not let where you live make you financially secure and ultimately rich? David Bach will show you how.

Let David Bach show you a whole new way to prosper—by going greenInternationally renowned financial expert and bestselling author David Bach has always urged readers to put their financial lives in line with their values. But what if your values are a cleaner and greener earth? Most people think that “going green” is an expensive choice they can’t afford. Bach is here to say that you can have both: a life in line with your green values and a million dollars in the bank. Go Green, Live Rich outlines fifty ways to make your life, your home, your shopping, and your finances greener—and get rich trying. From driving the right car to making your home energy smart, Bach offers ways to improve the environment while you spend less, save more, earn more, and pay fewer taxes. Best of all, he shows you exactly how to take advantage of the "green wave" in personal finance without the difficult work of evaluating individual stocks. What''s more, he will get you thinking about a green business of your own so you can help the world along as it is changing for the better. David Bach is on a mission to teach the world that you can live a great life by living a green life. With Go Green, Live Rich, you can live in line with your eco-values on the road to financial freedom.

A war for your money is raging and it is time to fight back!In a book that will forever change how you spend your hard earned money, America’s favorite financial coach, David Bach, shows you how to save thousands of dollars every year by taking on the “corporate machines.” In these times when every dollar counts, big businesses are using dishonest tricks to rip you off, making themselves billions while they keep you living paycheck to paycheck. David Bach knows that until you learn to fight for your money, you will overpay for almost everything you buy. In Fight for Your Money, he gives you the tools to FIGHT BACK and WIN. Bach shows you how every dollar you spend is really a battle between you and the businesses—and the government—who want to take it as profit. When you know how the system is rigged –the extra points, the hidden fees, the late charges, the unused tax breaks, the escalating rates—you can fight back against the pickpockets and save literally thousands every year—money in your pocket that can help you live your dreams. Fight for Your Money shows how you are being taken on your cell phone contract, cable bill, car purchase, credit card, life insurance, healthcare, 401(k) plan, airfare, hotel bills, and much more. Bach gives you all the tools you need to fight back, with websites, phone numbers, sample letters and real-life stories of ordinary people who have fought for their money and won. You’ll learn how to: Beat the credit card companies at the games they play that cost you thousands annually in interest and feesMake your bank accounts work for you with higher yields and lower feesSave thousands by pre-paying college tuition at TODAY’s pricesRaise your credit score and pay thousands less in mortgage interestCut your life insurance premiums in half by making one callSave hundreds on air travel, hotels, and car rentals—just by being an informed consumerAvoid huge rip-offs like bank-issued gift cards, medical credit cards, 401(k) debit cards, and sneaky renewals of your cell-phone plan.David Bach knows that when you are being taken financially, you work harder than you have to, for longer than you need to. This book helps you fight for your money, so you can live your life doing what you really want to do.

INSTANT NEW YORK TIMES, USA TODAY, WALL STREET JOURNAL, AND INTERNATIONAL BESTSELLER Discover #1 New York Times bestselling author David Bach’s three secrets to financial freedom in an engaging story that will show you that you are richer than you think. Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy listen reveals how anyone—from millennials to baby boomers—can still make his or her dreams come true.In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop. Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine. The Latte Factor demystifies the secrets to achieving financial freedom, inspiring you to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game).