Redefining Financial Literacy

Author : Cindy Couyoumjian
Publisher : Greenleaf Book Group
Page : 271 pages
File Size : 50,5 Mb
Release : 2021-04-06
Category : Business & Economics
ISBN : 9781626347410

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Redefining Financial Literacy by Cindy Couyoumjian Pdf

Redefining and Reclaiming Financial Literacy As a certified financial planner with thirty-five years of industry experience, Cindy Couyoumjian is committed to filling the financial literacy void for many Americans. In her timely and thought-provoking book, Cindy gives a unique macro perspective of what she calls “the hidden forces behind your money,” which are the unseen political and economic forces that may influence your investment decisions. Through meticulous research, Cindy shows how these hidden forces have contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model. To address this issue, Cindy spent endless hours developing a new multi-asset class investment methodology, known as the REALM model, that may offer broader investment strategies aimed to mitigate risk from the hidden forces that may negatively impact your goals. Redefining Financial Literacy can help you • Understand the complex macro forces that you cannot control, yet could determine your financial future, • Take actionable steps to regain command of your retirement strategy, • Build a retirement with potential durable income strategies, lesser volatility, and risk-adjusted returns. Redefining Financial Literacy and Cindy’s innovative REALM model can open your eyes to investment possibilities while helping you regain confidence in the American dream. Diversification does not guarantee profit nor is it guaranteed to protect assets. There is no assurance that any strategy/model will achieve its objectives. Registered Principal offers securities and advisory services through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. IFG, Cinergy Financial, and Greenleaf Book Group are not affiliated companies.

Author : Anonim
Publisher : PediaPress
Page : 81 pages
File Size : 55,8 Mb
Release : 2024-06-14
Category : Electronic
ISBN : 8210379456XXX

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Financial Literacy by Anonim Pdf

Author : Jay Liebowitz
Publisher : CRC Press
Page : 220 pages
File Size : 51,6 Mb
Release : 2018-10-09
Category : Business & Economics
ISBN : 9781498738552

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Financial Literacy Education by Jay Liebowitz Pdf

Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book covers financial literacy education for grades K–12, college, and post-college.

Author : Cindy Couyoumjian
Publisher : Greenleaf Book Group
Page : 281 pages
File Size : 42,8 Mb
Release : 2022-08-30
Category : Business & Economics
ISBN : 9781626349445

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The Rise of Women and Wealth by Cindy Couyoumjian Pdf

Cindy Couyoumjian—founder of Cinergy Financial, with over 36 years of experience—is on a mission to empower women to stop being spectators and enter the financial arena; to stand up and assert their inalienable right to financial self-determination. Although today in the US, women are making gains in higher education, hold corporate positions, and are successful leaders, men still control most of the household wealth. Yet women are powerful agents of change with boundless potential in the financial realm. In The Rise of Women and Wealth, Cindy shows that by confronting America’s patriarchal past, women can become financially literate; reclaim the power and liberty that have been taken away; embrace a financial future filled with endless possibilities; strongly affirm, “Yes, I can.” Women everywhere must find the courage, strength, and inspiration to move forward by understanding the past. Cindy’s message is a hopeful one, filled with intuitive truths about a brighter tomorrow for women and their financial power and freedom. Cindy Couyoumjian is a Registered Representative offering securities and advisory services through Independent Financial Group LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. Cinergy Financial Greenleaf Book Group Press, R. F. Georgy, and IFG are unaffiliated.

Author : Brigitte Madrian,Olivia S. Mitchell,Beth J. Soldo
Publisher : OUP Oxford
Page : 346 pages
File Size : 52,5 Mb
Release : 2007-07-12
Category : Business & Economics
ISBN : 9780191528170

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Redefining Retirement by Brigitte Madrian,Olivia S. Mitchell,Beth J. Soldo Pdf

As the leading edge of the 'Baby Boom' generation attains age 60, members of this unusually large cohort born 1946-66 are poised to redefine retirement - just as they have restructured educational, housing, and labor markets in prior days. Looking ahead, their numbers and energy are sure to have a major impact on national pensions, healthcare, and social safety nets. Contributors to this volume note that 'Boomers' will be better off than their predecessors in many ways, having benefited from the long run-up in housing prices, dramatic improvements in healthcare, and the expanding economy. On the other hand, the generation's sheer size will surely squeeze resources and require new approaches to retirement risk management. This volume paints a complex and fascinating picture as Boomers move into retirement. On average they are in better financial and physical health than prior cohorts, and they can be anticipated to fare better than current retirees in absolute terms. Yet the distribution of retiree income and wealth will be less equal than in earlier years, and in relative terms, many Boomers will be less well off than their forebears. Contributors to the volume use many invaluable models and datasets, including the incomparable Health and Retirement Study (HRS) which affords unique insights into the status of mature adults surveyed at the same age and hence same point in their life cycles, but at three different time periods. Analysts offer new evidence about prospects for health and income during retirement, as well as pensions and housing equity, health, portfolio allocation, and financial literacy. This book offers readers an invaluable and first book-length study of Boomers as they march into retirement. As such, it represents an invaluable addition to the Pension Research Council/Oxford University Press series. It will be especially useful for scholars and policymakers seeking to understand retirement preparedness, to actuaries and tax specialists concerned with retirement system regulation, and to plan sponsors interested in the determinants of work and retirement at older ages.

Author : Keneth Dale R. Tuazon
Publisher : AuthorHouse
Page : 135 pages
File Size : 42,9 Mb
Release : 2021-12-02
Category : Reference
ISBN : 9781665545389

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Personal Finance: Your Roadmap Towards Creating Wealth and Financial Literacy by Keneth Dale R. Tuazon Pdf

Financial success may seem to be as easy as it is. However, it takes a lot of learning and applications. The dissimilarity between the wealthy and the poor is not money; It is how they think. So this book reveals more perseverance and gives you the newest information for addressing your personal financial predicaments. By reading this book, you are opened to financial realities that will help you attain financial freedom.

Author : Robert E. Lawless
Publisher : Bloomsbury Publishing USA
Page : 236 pages
File Size : 47,8 Mb
Release : 2010-03-11
Category : Business & Economics
ISBN : 9780313377198

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The Student's Guide to Financial Literacy by Robert E. Lawless Pdf

Presenting a broad array of financial knowledge, this interesting, easily understandable book will aid students and young adults in achieving their desired levels of wealth, success, and overall financial and personal fulfillment. The recent global financial crisis was caused, at least in part, by the financial ignorance of many consumers. Many students and young adults in particular have never been taught the basics of financial planning. Yet, the earlier people move from financial illiteracy to literacy, the greater the benefits that will accumulate over time. As The Student's Guide to Financial Literacy makes clear, practices adopted in the early years of adulthood can have the most dramatic effect on a person's ultimate quality of life, level of success, and age of retirement. This book is designed to convey financial wisdom in terms that are easy to understand with suggestions that are easy to apply. Readers will learn about the importance of budgeting and saving, the compounding of money, and how to create a diversified portfolio of investments. Included is advice on buying a first home, the characteristics of good debt versus bad debt, insurance and tax planning, even choosing the right career.

Author : Joan Ryan
Publisher : Unknown
Page : 448 pages
File Size : 42,7 Mb
Release : 2011-02-13
Category : Electronic
ISBN : 111142568X

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Personal Financial Literacy by Joan Ryan Pdf

Author : Jeff Madura,K. Michael Casey,Sherry J. Roberts
Publisher : Pearson
Page : 306 pages
File Size : 44,9 Mb
Release : 2009-02-26
Category : Finance, Personal
ISBN : 0321547756

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Personal Financial Literacy by Jeff Madura,K. Michael Casey,Sherry J. Roberts Pdf

Author : Jeff Madura,Michael Casey,Sherry Roberts
Publisher : Prentice Hall
Page : 0 pages
File Size : 47,6 Mb
Release : 2009-02-26
Category : Finance, Personal
ISBN : 0136087930

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Personal Financial Literacy by Jeff Madura,Michael Casey,Sherry Roberts Pdf

Author : John Hope Bryant
Publisher : John Wiley & Sons
Page : 231 pages
File Size : 55,9 Mb
Release : 2024-04-16
Category : Business & Economics
ISBN : 9781394209026

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Financial Literacy for All by John Hope Bryant Pdf

A new approach to understanding money and achieving financial fulfillment Former Vice-Chairman of the U.S. President's Advisory Council on Financial Literacy, John Hope Bryant, delivers an accessible and powerful resource for everyday Americans seeking to build a strong financial foundation. This book is an easy-to-read first step toward a fulfilling financial future, helping you understand your relationship to work and money, and a key component to untangling the surprisingly simple puzzle of personal finance. With an insightful foreword by Doug McMillon, President and CEO of Walmart Inc., you'll learn how to create wealth for yourself and your family, regardless of your educational or employment background, and how to establish a financial mindset that contributes to a sound future. You'll also discover: The answers to tough money questions, including the actual utility of new financial inventions like cryptocurrency How to think about exchanging your time and effort for money and the conditions under which you should agree to work Plain-English discussions of the principles of responsible long-term investing and how it differs from speculation Acting as a critical pillar for those seeking to build a rock-solid financial foundation, Financial Literacy for All is a must-have book for working professionals, blue-collar workers, members of young families, and established businesspeople looking for a better, more secure future for themselves and the ones they care about.

Author : Judi Deatherage
Publisher : Goodheart-Wilcox Publisher
Page : 0 pages
File Size : 47,5 Mb
Release : 2019-02-04
Category : Business & Economics
ISBN : 1635637066

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Exploring Financial Literacy by Judi Deatherage Pdf

"Previous edition copyright 2012 (under the title Becoming Money $mart)"--Verso.

Author : Karl Fisch
Publisher : Independently Published
Page : 43 pages
File Size : 45,8 Mb
Release : 2019-05-05
Category : Electronic
ISBN : 1096901633

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Tl;dr by Karl Fisch Pdf

You know you need to learn more about personal finance in order to make financial decisions, but you just find it too overwhelming, too intimidating, and too time consuming. This book was written for you, giving you the basics in less than an hour, and then directing you to further resources (fischlearning.com/tldr) if you'd like to learn more. It's about 30 pages and should take less than an hour to read, so instead of TL;DR (Too Long; Didn't Read) it will hopefully be JR;DR;KM (Just Right, Did Read, Know More).This book isn't about "getting rich quickly" (not that's there anything wrong with that), but it's about gaining knowledge and building your capacity in order to live a good life. What's a "good life"? I don't know, everyone's definition is different. What's important is that you take the time to define what a good life is for you, and then align your financial decisions with that. The goal of this book is to help you think about your finances in such a way that you have the independence to lead the life you want to live; to give you as much control as possible over your financial situation so that your finances don't prevent you from living the life you want.I say "book" because that's what Amazon calls it, but it's more like a really long blog post. I wrote it because finances and financial decisions are such a huge part of everyone's life that they should take the time to thoroughly educate themselves. Since many folks won't do that, this book is an attempt to quickly give them the basics and hopefully encourage them - and give them the confidence - to learn more.I am not a financial planner. I have taught students mathematics and computer science for over thirty years, but have no formal training in personal finance or investing, and no certifications. I am simply a lifelong learner, constantly curious, and have been interested in personal finance since working in a credit union during high school and college, and continued to be curious and learn more about finance during my career as a public school teacher. Over my years as a teacher, I discovered that not only did my students not know much about personal finance, but neither did my family, friends and colleagues (I often served as a resource for those folks).Partially as a result of that experience, I see the necessity for a book such as this, as I wanted to do my part to try to help others become financially literate. While it would be nice to make a little bit of money from this, that's not really my expectation or my goal. This is a passion project for me. I hope folks find it helpful. If you do read it, it would be helpful if you could leave a review on Amazon and/or email me at [email protected] a "testimonial" for the accompanying website. I would also love constructive feedback at bit.ly/tldrfeedbackSo, about thirty pages. About an hour. Ready to get started? Future you will thank you.

Author : Cindy Couyoumjian
Publisher : Greenleaf Book Group
Page : 257 pages
File Size : 54,7 Mb
Release : 2023-10-31
Category : Business & Economics
ISBN : 9798886450972

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The Silent Retirement Crisis by Cindy Couyoumjian Pdf

Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. ​Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.

Author : Ryan
Publisher : Unknown
Page : 128 pages
File Size : 41,5 Mb
Release : 2007-03
Category : Electronic
ISBN : 0538446528

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Personal Financial Literacy by Ryan Pdf