Praise for SAFELY PROSPEROUS or REALLY RICH? "Howard's brilliant concept that the roads to Prosperity and Riches are very different is very liberating. In most financial books, the author would never do what Howard has done-recount with unflinching honesty the big financial mistakes he and his subscribers have made over the years so readers can avoid the same stumbling blocks and pitfalls. Only a very secure man would have the guts to do that." -Robert Allen author of Multiple Streams of Income and Nothing Down "Howard Ruff is back, offering a wealth of powerful new financial advice for America's middle class. In his new manual, Safely Prosperous or Really Rich?, he challenges you to choose between two roads. The older I get, the more I favor 'Safely Prosperous,' but you make the call. I also love Howard's old-fashioned moral perspectives on money." -Mark Skousen editor of Forecasts and Strategies "Safely Prosperous or Really Rich? is destined to be one of the most influential books of the early twenty-first century, just as his mega bestseller, How to Prosper During the Coming Bad Years, changed millions of lives in the late '70s. Welcome back, Howard." -John Mauldin author of Bull's Eye Investing

How to Prosper During the Coming Bad Years in the 21st Century is a must-have survival and moneymaking guide for anyone who wants to profit from the rough economic seas that are upon us-and come through with their share of treasure. Bad years are coming for the unaware... but when you know what's really happening behind the scenes, you can make them the best years of your financial life. The devaluation of the American dollar, with the subsequent inflation, is eerily similar to the chaotic markets of the 1970s. The factors that created the stagflation and the gold and silver bull markets of the late 70s and early 80s are back. As Yogi Berra said, "It's deja vu all over again." Only this time, they're even more exaggerated-offering once-in-a-lifetime opportunities for middle-class Americans, if they look beyond the Wall Street stock-market propaganda. This book can help you panic-proof your life and your finances, and reap huge profits with relatively small investments in gold, silver, certain ETFs, mutual funds, and mining stocks.