THE ONE FINANCIAL HABIT THAT COULD CHANGE YOUR LIFE A Guide for New Grads, Young Professionals and those who are Money Challenged BY ROBERT IRONSIDE & EDWIN AU YEUNG BREAKING NEWS: You Too Can Get Some Retail Therapy and Save Your Financial Life Over the last 50 years, society has evolved from valuing frugality to valuing debt-driven consumerism. The addiction of instant gratification has caused stress and even bankruptcy. It's "live for today" at the expense of "purchasing power" in the future. Everyone wants it all and they want it now. Wouldn't you love to learn how to save a portion of every pay cheque regularly, consistently and with disciple, and then invest your money wisely? Wouldn't you love to get rich quickly and solve all your money woes? Good news With one simple financial habit, you can, in fact, become seriously wealthy. You will retire richer than you ever dreamed possible, while achieving peace of mind about your financial future. There is an alternative to the stress of debt?it's simple and it works. And it's yours for the taking in this entertaining book Learn how to respect yourself, financially, to avoid being taken advantage of Get out of the habit of overspending and into the habit of uber-saving Build your discipline to use today's dollars to maximize future wealth and minimize risk What's the one financial secret that can give you real opportunities for the power and influence wealthy people have throughout their lives? It is simply this: faithfully use the time value of money to your best advantage. PUT YOURSELF FIRST BY PAYING YOURSELF FIRST: Use the Power of the Time Value of Money to shake out the bad habits and build some good ones, learning from true-to-life examples: *BAD HABIT: Paying credit card interest GOOD HABIT: Pay tax deductible interest *BAD HABIT: Overpaying your Taxes GOOD HABIT: Pay only the correct tax *BAD HABIT: Buying a New CarGOOD HABIT: Buy a used car

"Do you need to understand the financial recovery and your stake in it? Need a whole new financial strategy for the post-crisis future? Want to fortify your portfolio and all other areas of your financial life against the next downturn? Need to hold your financial advisors to task? You can have all of that and more with this comprehensive guide to the new world economy and the individual's place in it, written by three of Canada's leading authorities in tax efficient wealth management. Recent economic stability in Canada has been impressive but is it here to stay? Join the authors in exploring the link between the global economy and your family's portfolio. Consider how much we can really expect from China. Are some China analyses fraught with uber-expectations? Are political risks in the Middle East threatening economic stability? What are the Black Swan Factors and the likely impact of India. The authors also check into the Eurozone crisis, so powerful that it has called the future of the Euro into question. Closer to home, they look at the good news-bad news relationship with the United States and answer the question ?Is the worst yet to come What are the action plans you and your advisors need to build given all of this change in a fragile world. Consider the challenges for: Individuals: It's going to take a Village: Recovery is about Behavioural Change: Learn how to drop the baggage of old expectations, embrace new reality, work towards smooth sailing. Families: How get out of debt, spot opportunities, maintain dignity for the vulnerable; Investors: How to preserve, protect and grow wealth after the financial tsunami; Governments: How to deal with debt too large for generations to pay off, and which is expanding faster than the growth rate in GNP; "