One Financial Habit That Could Change: A Guide for New Grads, Young Professionals, and Those Who Are Money Challenged

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

Robert Ironside is one of Canada’s best known financial educators. He has taught both graduate and undergraduate finance courses at several Canadian Universities, winning a number of teaching awards in the process. Robert has taught professional development courses for the Institute of Canadian Bankers since 1989 and he is a faculty member of The Knowledge Bureau. In addition, he has worked with banks, governments and professional organizations in approximately 20 countries around the world. Edwin Au Yeung is a Chartered Accountant living in Burnaby, British Columbia. He obtained a Bachelor of Commerce degree from the Sauder School of Business and a Master of Professional Accounting degree from the Edwards School of Business. He earned his CA while working at a Big Four accounting firm in Vancouver and has worked in the financial services industry in London, England. Edwin has a passion for investing and personal finance and has also worked as a consultant for an investment management company.