Suze Orman's 2009 Action Plan: Keeping Your Money Safe & Sound
by Suze Orman
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Book Summary Information
Author: Suze OrmanBrand: PBS
Edition: Mass Market Paperback
Audio: English (Unknown); English (Original Language); English (Published)
Published: 2008-12-30
ISBN: 0385530935
Number of pages: 209
Publisher: Spiegel & Grau
Book Reviews of Suze Orman's 2009 Action Plan: Keeping Your Money Safe & Sound
Book Review: Needed Regurgitation
Summary: 5 Stars
Here we go again.
This book by Suze Orman is well-done. I don't want to sound cynical nor condescending. But the self-anointed-financial-guru-advice industry deeps getting bigger and bigger with larger and larger profit margins, whether things are "booming" or going "bust."
What's sad but not surprising is that there's still so much demand and a market for....common sense. Suze Orman's "Action Plan" has prudent and solid advice. It's needed. Why so many Americans need this advice is what makes one wonder, because it's primarily based on plain and simple common sense.
Orman states that the current credit and financial and macro-economic crisis is some kind of unexpected surprise, but nothing could be farther from the truth. Over-extension of credit & borrowing (leveraging) and the coming downward slide has been discussed *publicly* for at least 4 years, dating back to 2004, and in esoteric financial circles well before the year 2004.
Either way, only a small number of people seem to change their behavior, unless it becomes absolutely necessary. In 2009, changing behavior is a necessity, as many people don't have don't have a choice now, and won't in the immediate future. For the long-term, we'll have to wait and see.
Do people need to spend money and time on a book that tells them to use common sense? Yes, because so many people still need it.
We are again told to "live within our means" and to "try to save," buy a pre-owned (used) car instead of a new one, eat out less, pay cash only, not use HELOCS, and keep a cash fund for 8 months for financial emergencies....Redundancy? 529 College Savings plans, 401Ks, IRAs, etc.
Parts of the book: Sound familiar?
I: 2009: The New Reality
II: How We Got Here
III: Action Plan: Credit
*Falling Credit Lines
*Rising Interest Rates
*FICO Scores Under Pressure
*Repayment Plan
*Debt Consolidation
*Borrowing from 401K
*Borrowing from Home Line of Credit
*Bankruptcy
*Collection Agencies
IV: Retirement Investing
V: Saving
VI: Spending
VII: Real Estate
VIII: Paying for College
IX: Protecting Your Family & Yourself
X: The Road Ahead
This is not Orman's fault for noting the obvious, as we should consider the consumers in this type of financial advice market the "Dummy Market."
Suze helps families with the following advice on Page 189. Note the vocabulary and sentence structure:
"I want to make sure that you are up to speed on the fact that you may not be able to tap your credit card or a home equity line of credit to pay your family's bills in the event that you are laid off. Lenders are not in the lending mood these days. I cannot be more emphatic: you must have saving set aside to be truly safe in 2009" (Page 189).
Thank you for this.
"Action Plan 2009" is an amalgamated regurgitation of what the US mainstream media has been telling the American public for the last few years. However, Suze Orman's advice is sorely needed. Are her words heeded?
Thanks to Suze Orman for the free copy. This book can can help many people.
Summary of Suze Orman's 2009 Action Plan: Keeping Your Money Safe & Sound
2009: The Year You Can?t Afford to Make Any Mistakes with Your Money.The credit crunch, the stock market freefall, the staggering toll of home foreclosures and job losses: The economic crisis that struck in 2008 has left no one untouched and everybody reeling. Seemingly overnight, the financial landscape has undergone seismic changes that suddenly have you asking all kinds of questions: Are your savings safe? Should you continue to invest in your retirement account? Should you keep your home if it?s worth less than what you owe or should you sell it? How do you pay your bills if you?ve just been laid off?
The nation?s go-to expert on financial matters, Suze Orman, believes that 2009 is a critical year for your money. There are safeguards to put in place, actions to take, costly mistakes to avoid, and even opportunities to be had, so that you are protected during the bad times and prepared to prosper when things take a turn for the better. No matter what situation you?re in, you will find a plan of action and the answers to your questions about:
* Credit * Retirement
*Savings and Spending*Real Estate
*Paying for College* Protecting Your Family
SUZE ORMAN?S 2009 ACTION PLAN delivers honest, straightforward guidance?what to do, when to do it, and how to do it?as only Suze Orman can.
2009: The Year You Can?t Afford to Make Any Mistakes with Your Money.
The credit crunch, the stock market freefall, the staggering toll of home foreclosures and job losses: The economic crisis that struck in 2008 has left no one untouched and everybody reeling. Seemingly overnight, the financial landscape has undergone seismic changes that suddenly have you asking all kinds of questions: Are your savings safe? Should you continue to invest in your retirement account? Should you keep your home if it?s worth less than what you owe or should you sell it? How do you pay your bills if you?ve just been laid off?
The nation?s go-to expert on financial matters, Suze Orman, believes that 2009 is a critical year for your money. There are safeguards to put in place, actions to take, costly mistakes to avoid, and even opportunities to be had, so that you are protected during the bad times and prepared to prosper when things take a turn for the better. No matter what situation you?re in, you will find a plan of action and the answers to your questions about:
* Credit * Retirement
*Savings and Spending*Real Estate
*Paying for College* Protecting Your Family
SUZE ORMAN?S 2009 ACTION PLAN delivers honest, straightforward guidance?what to do, when to do it, and how to do it?as only Suze Orman can. Amazon.com Exclusive: Suze Orman's 2009 Action Plan
How to Prepare for the Unexpected
If in late 2007 you were told that over the next twelve months housing would crater to 20% below it's all-time peak, unemployment would rise from below 5% to nearly 8%, stocks would fall nearly 50%, and a gallon of gas would spike to more than $4 (and then drop below $2) you would probably have shrugged it off as just a whole lot of doomsday-scenario crankiness. But that's exactly what we all had to live through and continue to grapple with in 2009.
The lesson is that the unexpected can happen. In fact, sometimes a whole lot of unexpected happens all at once (see: 2008). No one can control external events, but you do have absolute control over the most powerful tool: your will to make the smart and right choices that will insure your financial security, no matter what happens. As I have said for years: Hope for the best, plan for the worst. If you plan for life's ?what if's? there's no need to panic when the news turns bad. An emergency cash fund is your security when a recession causes rising unemployment. A long-term investment strategy that employs a mix of stocks and bonds makes it easier to get through scary bear markets; living within your means, rather than running up credit card and HELOC debt leaves you better able to weather financial storms.
My 2009 Action Plan is designed to make sure you are ready for the unexpected?this year and every year forward. I most certainly hope things get better for us all, but in the meantime I want to make sure you have a plan in place that will protect you no matter what ?what ifs? lay ahead.
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