Carl Richards

Light Hardcover (1 lb or less)

Florida

A Simple Way to Be Smart about Your Money

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they've begged, "Just tell me what to do."

It's no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don't have time to make sense of all the information available. They don't just want good advice, they want the best advice--so rather than do the "wrong thing," they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.

What they don't realize is that bad calls about money aren't failures; they're just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we're going to make the best guesses we can--but we're not going to obsess over getting them exactly right.

The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That's because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what's most important to you.

By now you may be wondering, "What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?" Don't worry: I'll cover those topics and many more, sharing strategies that will take the complexity out of them.

The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you'll lose the job you thought was secure; you'll take a financial risk that doesn't pan out; you'll have twins when you were only budgeting for one. In other words: Life will happen.

But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

The One-Page Financial Plan

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A #hardcover #money #management #finance #moneymanagement 

Pennsylvania

Simple Ways to Stop Doing Dumb Things with Money

It's not that we're dumb. We're wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it's not rational. -From The Behavior Gap   Why do we lose money? It's easy to blame the economy or the financial markets-but the real trouble lies in the decisions we make.As a financial planner, Carl Richards grew frustrated watching people he cared about make the same mistakes over and over. They were letting emotion get in the way of smart financial decisions. He named this phenomenon-the distance between what we should do and what we actually do-the behavior gap. Using simple drawings to explain the gap, he found that once people understood it, they started doing much better.Richards's way with words and images has attracted a loyal following to his blog posts for The New York Times, appearances on National Public Radio, and his columns and lectures. His book will teach you how to re

The Behavior Gap

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Learn how to tie flies for fly fishing.  Includes tips on how to fish with them.

Light Paperback (1 lb or less)

Michigan

Tying the Swisher/Richards Files

Light wear to cover. Book in great condition. #fish #fishing #flyfishing

With hints and tips on how to fish them

Tying the Swisher/Richards Flies

Paperback (1 to 2 lbs)

Four Christian Views

Divorce. No one likes it, but it doesn't go away. Even among Christians, the divorce rate continues to climb. How should Christians approach this issue? May Christians ever legitimately divorce? If they divorce legitimately, may they remarry?

Not everyone who appeals to Scripture agrees on how we should understand what it says about divorce and remarriage. In this Spectrum Multiview volume, four authors present their distinct perspectives. Carl Laney argues that the Bible indicates that marriages are always intended to be permanent, that there is never a need for divorce and that remarriage is never permissible after divorce. William Heth contends that while there are legitimate biblical grounds for divorce, there are no legitimate grounds for remarriage after divorce. Thomas Edgar defends the position that Scripture allows for divorce and remarriage in cases of adultery or desertion. Larry Richards holds that Scripture, while decrying divorce and the pain it causes, points to a God of grace who will not condemn those who divorce and remarry.

Such a sensitive debate cannot remain abstract, so a case study accompanies each position, followed by critical responses from each essayist. The result is a thoughtful, helpful resource for all who wish to think biblically about a crucial issue confronting the church.

Spectrum Multiview Books offer a range of viewpoints on contested topics within Christianity, giving contributors the opportunity to present their position and also respond to others in this dynamic publishing format.

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Carl Richards

The One-Page Financial Plan

Carl Richards

The Behavior Gap

Doug Swisher and Carl Richards

Tying the Swisher/Richards Files

Doug Swisher and Carl Richards

Tying the Swisher/Richards Flies

H. Wayne House (Editor); Thomas R. Edgar (Contribution by); William A. Heth (Contribution by); J. Carl Laney (Contribution by); Larry Richards (Contribution by)

Divorce and Remarriage