In the Black: Live Faithfully, Prosper Financially: The Ultimate 9-Step Plan for Financial Fitness

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Harper Collins, May 12, 2009 - Business & Economics - 336 pages
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With economic uncertainty reaching unprecedented levels, Aaron W. Smith's accessible nine-step plan to take control of your financial future will resonate whether you're just starting out or finding yourself midlife with concerns about your retirement. In The Black will transform your retirement plans, regardless of income, by offering concrete advice on what opportunities are available and using real-life examples to illustrate how anyone can achieve their financial dreams be they middle- aged and facing debt or actively saving since their early twenties.

In clear, easy-to-follow steps, readers will learn how to:

  • Overcome historical resistance to investing
  • Save for retirement while keeping kinship ties intact
  • Use faith as a motivator for saving and strengthening financial discipline
  • Break through denial about changes in Social Security and pension plans. . . and much more.
 

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Contents

defining Your Values
17
getting Your goals straight
28
Facing Reality and Exploring Your dreams
45
Creating the Financial Plan
53
Paying Yourself First
67
getting a Handle on Your spending
84
Paying down debt
97
maximizing Your Cash
109
Recognizing an Annuity for what It Is
163
Understanding our Passion for Real Estate
181
Knowing whether to Rent or Buy
195
making wall street work for You
217
selecting Insurance That Fits Your Needs
235
Keeping Income Flowing for the Rest
251
Choosing a Financial Professional
279
Leaving a Legacy
291

Pinpointing the Amount You Need
118
Knowing when to Take social security
137
Choosing Traditional or Roth IRAs
152
Reinventing Your Life
301
Notes
315
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About the author (2009)

Aaron W. Smith is the founder and president of A. W. Smith Financial Group, Inc., a comprehensive financial planning firm based in Richmond, Virginia. Smith has more than ten years of experience in the financial services and insurance industries. He holds several securities and insurance licenses and is also a Registered Player Financial Advisor for the National Football League Players Association.

Trained as a minister, Brenda Lane Richardson is a journalist, active public speaker, and the author of Story Power, The Language of Fertility, and Chesapeake Song. She has written a column for the Oakland Tribune, and her work has appeared in Essence, Glamour, Ms., and the New York Times Magazine.

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