已出版的中文書
英美暢銷排行榜

 

非文學類
更新日期:
2020-10-27
What To Do with Your Money When Crisis Hits
Michelle Singletary
Houghton Mifflin Harcourt
May 2021
224pp
書籍編號:
03-12041
已有電子稿,歡迎索稿審閱!
● 內文簡介

★《華盛頓郵報》個人理財專欄得獎作家蜜雪兒‧辛格泰瑞(Michelle Singletary)著作

《下一次危機來臨的時候》(What To Do With Your Money)是一本理財常見問題寶典,讀者將學會如何保護與管理金錢、儲蓄、投資、信用卡等,好讓自己在危機來臨時不落入窘境。除了危機預防,這本書也將是人們日常面對任何財務選擇時的智慧引導。

一位讀者告訴蜜雪兒:「二十五歲那年,我頓悟自己一生必定要經歷一段窮困潦倒的生活,我唯一能決定的是要現在自願性地當個窮光蛋,還是老了後變成沒得選擇的窮鬼。後來我也不管自己根本沒賺那麼多地開始存錢,幾十年後靠著複利投資的獲利提早退休,身上沒有任何貸款和債務。」

歷史教會我們:無論現況再好,下一個經濟蕭條和金融危機的到來只是時間早晚問題,對於個人理財,我們應以「心中充滿希望地做最壞的打算」為核心精神,否則就是將自己置身險境。

書中收錄蜜雪兒擔任理財教練、講師及專欄作家多年,最常被問的問題,例如:我應該留住存款,還是把它們拿來付清債務?有所謂「好的債務」嗎?喜歡把存款存在不同帳戶是好事嗎?我知道自己該存錢,但為什麼我就不配去好好渡個假?大家都說租屋就像把錢丟到水裡。是真的嗎?如果我失業或者被迫留職停薪,我挪用養老基金來維持生活平衡嗎?如果身上背著貸款,我還該投資嗎?

蜜雪兒的建議聽起來或許相當嚴厲或不可能做到,但那只是因為你對事情的想法正被挑戰或被要求改變;若是繼續複製過去習慣的模式,我們就不可能期待進步。蜜雪兒志在將人們從對財務的恐懼和焦慮中釋放,讓讀者成功理財、掌握逆境。

本書預計2021年1月完稿!

 

● 作者簡介

蜜雪兒‧辛格泰瑞(Michelle Singletary)是《華盛頓郵報》個人理財得獎專欄《The Color of Money》的作家,另著有兩本作品。辛格泰瑞經常受邀出席電視及廣播媒體,她上過《歐普拉秀》(The Oprah Winfrey Show)、《今日秀》(The Today Show)、《早間秀》(The Early Show)、《觀點》(The View)、《與媒體見面》(Meet the Press)、CNN、MSNBC、《夜線》(Nightline)、《泰維斯·斯邁利》(Tavis Smiley)、NPR、《黛安·雷姆秀》(The Diane Rehm Show)、《湯姆·喬伊納早間節目》(The Tom Joyner Morning Show)等,她擁有馬里蘭大學學院市分校(University of Maryland)和霍普金斯大學(Johns Hopkins University)商業與管理碩士學位。歡迎參考作者官網:www.michellesingletary.com or www.washingtonpost.com/michelle-singletary.

 

● 媒體報導

“If you’re one of the tens of millions of Americans who are struggling financially, or if you’re faced with helping others who are struggling, you need to read this. Michelle Singletary has written an outstanding book, filled with no-nonsense, let’s-get-to-it advice that’s immensely practical, easy to read and emotionally reassuring. Stop lamenting your situation and let Michelle show you the way out of your crisis.”
-Ric Edelman, #1 New York Times best-selling author of 10 books on personal finance

“Michelle Singletary, a voice of financial reason and calm throughout the pandemic, helps us move forward with what we need most — answers. From when to raid your retirement accounts, go back to school, and so much more, her clear, precise guidance will put you on the right track to rebuild your future.”
-Jean Chatzky, CEO, HerMoney.com and best-selling author of AgeProof: Living Longer Without Running Out Of Money Or Breaking A Hip

“This book is the ultimate first aid kit for your finances. The bandages, the tourniquets, an oxygen tank (if you need it) — it’s all here. Every home should have one.”
-Victor Blackwell, CNN anchor

“This is a compassionate encyclopedia of financial first aid when you stumble, and good financial health practices when you are back on your feet. Michelle Singletary has been the down to earth, practical advisor to the stars - and us ordinary folks - for decades.”
-Vicki Robin, best-selling author of Your Money or Your Life and Blessing the Hands that Feed Us

“This is not only the best book for people facing a personal financial crisis, it’s the only book that answers the critical questions you’re likely to have. You can depend on Singletary’s careful research and compassionate advice to steer you right.”
-Jane Bryant Quinn, best-selling author of How To Make Your Money Last: The Indispensable Financial Guide

“Michelle Singletary’s latest book is full of clear, wise advice that anyone can follow—and everyone should—especially when they are thrown a curve in the game of life. The financial stresses of difficult times can cause paralysis in many people, so Ms. Singletary lays out a plan for dealing calmly with every kind of challenge. My colleagues and I at Kiplinger’s magazine have long admired the folksy, accessible, personal-finance counsel in Ms. Singletary’s columns, and here is a big dose of that wisdom in one book. I can't recommend it highly enough.”
­-Knight A. Kiplinger, editor emeritus, Kiplinger’s Personal Finance