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Count on Yourself Hardcover – Dec 1 2020


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Product Details

  • Hardcover: 240 pages
  • Publisher: Touchstone (Dec 1 2020)
  • Language: English
  • ISBN-10: 1439189277
  • ISBN-13: 978-1439189276
  • Product Dimensions: 12.7 x 17.8 cm
  • Average Customer Review: 4.7 out of 5 stars  See all reviews (3 customer reviews)
  • Amazon Bestsellers Rank: #3,341,634 in Books (See Top 100 in Books)
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Product Description

Excerpt. © Reprinted by permission. All rights reserved.

Also by Alison Griffiths and David Cruise

Wild Horse Annie

Vancouver

The Portfolio Doctor

On South Mountain

The Great Adventure

Net Worth

Lords of the Line

Fleecing the Lamb

Count On

Yourself

Take Charge of Your Money

Alison Griffiths

A Touchstone Book

Published by Simon & Schuster

New York London Toronto Sydney New Delhi

 

Touchstone

A Division of Simon & Schuster, Inc.

1230 Avenue of the Americas

New York, NY 10020

 

Copyright ã 2012 by Alison Griffiths

 

All rights reserved, including the right to reproduce this book or portions thereof in any form whatsoever. For information address Touchstone -Subsidiary Rights Department, 1230 Avenue of the Americas, New York, NY 10020.

 

This Touchstone export edition January 2012

 

TOUCHSTONE and colophon are registered trademarks

of Simon & Schuster, Inc.

 

For information about special discounts for bulk purchases,

please contact Simon & Schuster Special Sales at 1-800-268-3216 or

CustomerService@simonandschuster.ca.

 

Designed by Akasha Archer

 

Manufactured in the United States of America

 

10 9 8 7 6 5 4 3 2 1

 

ISBN 978-1-4391-8931-3

ISBN 978-1-4391-8935-1 (ebook)

For David

This is book number 11 from team Cruise/Griffiths

and the only one without your name,

but your skills, voice, and incredible editing are everywhere

Acknowledgements

I am hugely indebted to hundreds of academics and industry experts who have provided information, research, and opinions not only for this book but throughout my years as a financial journalist and author. I couldn’t begin to thank them all, but I hope those of you I have called upon over the last twenty years know that I feel tremendous gratitude.

However, one must be singled out and that is Eric Kirzner. I first started working with Eric, who is a renowned economist and academic, way back in the late 1990s. Eric’s ideas are the foundation of the investing section of this book.

I also want to mention Barbara Stewart of Cumberland Private Wealth Management in Toronto. Her insight and information have made me a better financial writer as she has helped me connect the dots between emotion and money. She even got me going to yoga. I am also lucky to have had much input from Dan Hallett, Michael Hill, Michael Chow, and Janet Freedman, particularly in the early days.

I am grateful to my colleagues who cover personal finance and investing for magazines, newspapers, and the cyberworld. I’ve never asked a question or requested an old article or even asked for advice and been turned down. Those of us who work in this increasingly competitive world know how hard it is to carve your niche, stay in the forefront of the changing financial world, and maintain a public profile at the same time.

In no particular order—Rob Carrick, Jonathan Chevreau, Pat Foran, Patrick McKeough, Ellen Roseman, David Olive, MadhaviAcharya-Tom Yew, Ken Kivenko, Caroline Cakebread, Gordon Pape, Evelyn Jacks, Larry MacDonald, Bryan Borzykowski, Dan Bortolotti, Norm Rothery, Rudy Luuko, Krystal Yee, and Kelley Keehn, to name just a few; plus the many bloggers I have come to know in recent years who are all playing an important educational and journalistic role in the increasingly complex financial world.

My daughters, Claudia and Quinn, and son-in-law Jeff have been incredibly supportive and never complain when I use them as examples in my columns. I’m a lucky mom and grandmother.

My dear old dad has always been very interested in investing, and his experiences made me pay much more attention to how the industry treats seniors. Also, my sister Fiona is always so willing to lend an ear, attend seminars, and discuss content and case studies.

The production crew of Maxed Out, and most especially my amazing producer Anne Francis, taught me a lot about money in the television sphere during the years I hosted the show. It’s tough to turn debt into drama but they did it.

And speaking of debt, Laurie Campbell, executive director of Credit Canada, a charity and national leader in debt and credit counseling, and her amazing staff have been an education to me of a different sort. Serving as a director has refined and expanded my financial knowledge.

I’ve had great readers over the years. Your questions and sometimes criticisms have forced me to stay on top of research and never take a statistic for granted.

Though I am somewhat tough on certain aspects of the financial services industry, the major banks, brokerages, and other firms that exist in the field are always eager to illuminate writers such as myself. Many are now doing excellent work to educate and increase Canadians’ financial literacy. Other firms such as Morningstar and Dalbar have unstintingly provided research and data for me.

Kevin Hanson, president of Simon & Schuster Canada, has been my champion for many years, and Alison Clarke has been an insightful sounding board for Count On Yourself. I’m sorry the writing has ended, if only for the loss of those wonderful lunches and conversations. Janice Weaver was a wonderful editor and masterful in a subject area new to her.

I am lucky to have actor Barry Flatman in my corner. He is the personification of enthusiasm and great ideas. Just a few words with him always brightens my day. Similarly, Martin Harbury has taught me that sometimes you just gotta do what you gotta do in life and make the best of it. He is a fine producer and so much more. Also Jeanne Beker has provided such encouragement. I feel strong standing in her shadow.

And finally, my old friend and former agent David Colbert helped me through a very tough professional period while writing this book and saved me a big chunk of money in the process.

But in the end, it is one man who makes it all possible—David Cruise—my lifelong partner in every sense of the word. Thank you. Now please pour the wine.

Contents

Acknowledgments..................................................................... vii

Introduction................................................................................. xiii

Part 1 // Money: The Final Taboo................................ 1

    1... Me and Money.......................................................................... 3

    2... Friends, Sex, Money, and Wealth................................... 11

    3... The F-Words.......................................................................... 19

Part 2 // Get Organized...................................................... 33

    4... The KISS Principle............................................................... 35

    5... Cleaning Your Financial Closet....................................... 46

    6... Your Investment Inventory............................................ 61

Part 3 // Make a Plan........................................................... 73

    7... Who Are You?........................................................................ 75

    8... Pick Your Box........................................................................ 92

    9... Spread Your Eggs.............................................................. 110

10... How Many Investment Eggs in Which Baskets?.. 122

11... Fry Those Fees................................................................... 135

Part 4 // Take Action........................................................ 145

12... Meet the Easy Chair.......................................................... 147

13... Going Passively.................................................................. 159

14... Your Portfolio Building Blocks, Part 1—

       ... Exchange-Traded Funds................................................ 167

15... Your Portfolio Building Blocks,

       ... Part 2—Index Mutual Funds........................................ 185

16... Lights! Camera! Action! Pick

       ... Your Asset Allocation...................................................... 196

17... Count On Yourself Portfolios....................................... 211

18... Variations on the Theme................................................ 227

19... The Bottom Line................................................................ 246

 

Resources.................................................................................... 251

 

Introduction

The financial books that fly off the shelves tend to have zingy titles that include seductive words like rich, independence, wealth, retire early, millionaire—things we all yearn for. I struggled unsuccessfully to find my own title for this book until one day I sat down for lunch with my publishers, Kevin Hanson and Alison Clarke. We began tal...


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By teng1000 on July 7 2014
Format: Paperback Verified Purchase
As a beginner to anything about investment, this book helped me a lot.
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2 of 3 people found the following review helpful By Committed DIYer on Feb. 20 2012
Format: Paperback
As a DIYer with an interest in index ETFs I found this to be an excellant guide. As a DIYer I have no one to bounce my ideas off and must rely on what I can find in the media or on various financial websites. I find the media generally pretty good but the financial websites are a bit iffy. Their choices for their model portfolios generally do not explain why some were chosen over others and they frequently include some of their own offerings; in one case that was largely ETFs, they included one of their mutual funds whose MER was almost equal to the total MERs of all the ETFs in the portfolio. And there were obvious ETFs that could have been selected. Ms. Griffiths is offering advice, not selling something, so I feel I can better rely on what she says. The model portfolios she suggests are preceeded by a description of the circumstances of the typical person they are suited for. I find that a more reasonable approach than selecting a portfolio based upon risk tolerance. Who really knows their risk tolerance until it is too late? And she limits her choices to a very few ETFs. Which makes sense. If one is interested in index ETFs how many index ETFs tracking the same index need to be considered?

I think this is one of the best books I've ever read on investing but there are a few improvements that I'd like to see. Why were these particular ETFs chosen and not others? An index is always very helpful in navigating any book. It is quite frustrating having read it to later try to find a particular passage or all the references to the same ETF, or some technical term, etc. A section on definitions would be useful. The professionals use terms all the time but the public may or may not know exactly what they mean. Or worse, think they do when they don't.
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3 of 5 people found the following review helpful By Serge Latulippe on Feb. 12 2012
Format: Paperback
Even if you invested for decades -- yourself or through an adviser, in mutual funds, bonds and/or GICs -- you will learn lots.
The most important thing you are going to learn is how to identify when your adviser is working for you.... Or when s/he is working for him/herself, eating all your profits.
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