The Rules of Money by Richard Templar PDF

The Rules of Money by Richard Templar PDF

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Description of The Rules of Money by Richard Templar PDF

Money.

Some people just seem to know how to get it. And keep it.

How do they do it?

It’s easy. They know the rules. Rules you can learn.

The Rules of Money.

100 “golden behaviors” for creating wealth,

making it grow, making it last.

Rules that work. Techniques you can begin using right this minute.

Rules for thinking wealthy

(How to make money your friend)

(How to stop procrastinating)

Practical rules for planning, saving, spending, investing

(and, yes…enjoying your journey to wealth)

Rules for uncovering hidden opportunities.

Handling risk. Negotiating. Minimizing taxes.

Even sharing your newfound wealth.

(If you so desire.)

Read The Rules. Learn ’em. Live ’em.

And reap the rewards.

One step at a time. Every day.

Starting today.

Contents

Acknowledgments  viii

Introduction  ix 

Part I   Thinking Wealthy  3 

Part II  Getting Wealthy  42 

Part III Getting Even Wealthier  139 

Part IV Staying Wealthy  181 

Part V  Sharing Your Wealth  203

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About the Author

Richard Templar is author of several Prentice Hall international best-sellers, including The Rules of Work: The Unspoken Truth About Getting Ahead in BusinessThe Rules of Management: The Definitive Guide to Managerial Success; and The Rules of Life: A Personal Code for Living a Better, Happier, More Successful Life.

Review of The Rules of Money by Richard Templar PDF

OK, I don’t know what’s up with the other reviewer but I found this to be a pretty awesome and informative book. I’ve read a lot of personal finance books so yes some information will repeat itself. But this didn’t really bother me I did find some other good bits. The other reviewer is nit picking and taking quite a few things completely out of context. And what was mention were not rules but were bits out of the chapters. The rules go something like this:

Rule 1: Anybody Can Make Money – It Isn’t Selective or Discriminatory
Rule 2: Decide On Your Definition of Wealth
Rule 7: Understand That Wealth Is a Consequence, Not a Reward
Rule 9: Decide What You Want Money For
Rule 11: If You See as the Solution, You’ll Find It Becomes the Problem
Rule 17: Don’t Envy What Others Have
Rule 40: Pay Off Your Loans and Debts as a Priority
Rule 56: Pay Attention to the Details
Rule 59: Control Spending Impulses
Rule 63: Carry Out a Finance Health Check Regularly
Rule 70: Don’t Try to Get Rich Too Quickly

The list goes on. The book is also wisely divided into 5 parts:
Part I: Thinking Wealthy – Rules 1-18
Part II: Getting Wealthy – Rules 19-62
Part III: Getting Even Wealthier – Rules 63-79
Part IV: Staying Wealthy – Rules 80-88
Part V: Sharing Your Wealth – Rules 89-100

I personally like the author writing style, it’s not the funniest stuff on earth but he funny enough (at the appropriate moments of course) to keep you entertained and not bored with the book. Personally I dig this kind of writing. The book kind of reads like ‘Rich Dad, Poor Dad’, ‘Who Moved My Cheese’, and some other books that I just can’t think of right now.

I suggest that you check it out at your library or read a few chapters in the book, which I did before I brought it and don’t regret a moment of it. My favorite bit from this book is from Rule 11, which I alreadly noted, “Money isn’t – and never will be – the cure. It is the oil that smooths the wheels. It isn’t the engine.” There are also quite a few typos in this book but nothing I couldn’t get over.

I brought this book last year and have been doing my best to be a Rules Player. Let me tell you the hardest thing is changing your thinking. I can now say I am almost debt free (I’m shooting for end of Feb.), I am finally in the black nonetheless (I took Rule 40 and 59 very seriously)not by much but I’m still proud of it. Rule 63 I definitly do everyday now.

You can take this book and called it simple crap like the last reviewer, which is fine, everyone has there own point of views and whatnot. But to me if it’s so simple and you are still stuck in the same rut you were before, obviously it’s not the information that’s the problem. In the words of Bruce Lee “Knowing is not enough, we must act, Willing is not enough, we must do”. “Your attitude determines your altitude” that’s what I say. Got that off a NASA poster.

Sorry the review was so long, but I thank you for reading it. T.

Table of contents

Acknowledgments x
Introduction xi

Part I Thinking Wealthy 2
1 Anybody Can Be Wealthy[md]You Just Need to Apply Yourself 4
2 Decide on Your Definition of Wealth 6
3 Set Your Objectives 8
4 Keep It Under Your Hat 10
5 Most People Are Too Lazy to Be Wealthy 12
6 Get a Reality Check 14
7 Understand Your Money Beliefs and Where They Come From 16
8 Understand That Wealth Is a Consequence, Not a Reward 18
9 Decide What You Want Money For 20
10 Understand That Money Begets Money 22
11 Calculate the Net Return 24
12 If You See Money as the Solution, You’ll Find It Becomes the Problem 26
13 You Can Make Lots of Money, You Can Enjoy Your Job, and You Can Sleep Nights 28
14 Don’t Make Money by Being Bad 30
15 Money and Happiness[md]Understand Their Relationship 32
16 Know the Difference Between Price and Value 34
17 Know How the Wealthy Think 36
18 Don’t Envy What Others Have 38
19 It’s Harder to Manage Yourself Than It Is to Manage Your Money 40

Part II Getting Wealthy 42
20 You’ve Got to Know Where You Are Before You Start 44
21 You’ve Got to Have a Plan 46
22 Get Your Finances Under Control 48
23 Insurance Pays Someone, and Odds Are It’s Not You 50
24 Only by Looking Wealthy Can You Become Wealthy 52
25 Speculate to Accumulate (No, This Isn’t Gambling) 54
26 Decide Your Attitude to Risk 56
27 Think Through the Alternatives to Taking a Risk 58
28 If You Don’t Trust Someone, Don’t Do Business with Them 60
29 It’s Never Too Late to Start Getting Wealthy 62
30 Start Saving Young (or Teach Your Kids This One If It’s Too Late for You) 64
31 Understand That Your Financial Needs Change at Different Stages of Your Life 66
32 You Have to Work Hard to Get Rich Enough Not to Have to Work Hard 68
33 Learn the Art of Deal Making 70
34 Learn the Art of Negotiating 72
35 Small Economies Won’t Make You Wealthy but They Will Make You Miserable 74
36 Real Wealth Comes from Deals Not Fees 76
37 Understand That Working for Others Won’t Necessarily Make You Rich[md]but It Might 78
38 Don’t Waste Time Procrastinating[md]Make Money Decisions Quickly 80
39 Work as If You Didn’t Need the Money 82
40 Spend Less Than You Earn 84
41 Don’t Borrow Money[md]Unless You Really, Really Have To 86
42 Consider Consolidating Debts 88
43 Cultivate a Skill and It’ll Repay You Over and Over Again 90
44 Pay Off Your Loans and Debts as a Priority 92
45 Don’t Be Too Busy Earning a Living to Make Some Money 94
46 Save in Big Chunks[md]or Should You? 96
47 Don’t Rent; Buy 98
48 Understand What Investing Really Means 100
49 Build a Bit of Capital, Then Invest It Wisely 102
50 Understand That Property, in the Long Run, Will Not Outpace Shares 104
51 Master the Art of Selling 106
52 See Yourself as Others Do 108
53 Don’t Believe You Can Always Win 110
54 Don’t Pick Stocks Yourself If You Don’t Know What You’re Doing 112
55 Understand How the Stock Market Really Works 114
56 Only Buy Shares (or Anything) You Can Understand 116
57 Use Your Head 118
58 By All Means, Use the Investment Professionals (but Don’t Be Used by Them) 120
59 If You Are Going to Get Financial Advice, Pay for It 122
60 Don’t Fiddle 124
61 Think Long Term 126
62 Have a Set Time of Day to Work on Your Wealth Strategy 128
63 Pay Attention to Detail 130
64 Create New Income Streams 132
65 Learn to Play “What If?” 134
66 Control Spending Impulses 136
67 Don’t Answer Ads That Promise Get-Rich-Quick Schemes[md]It Won’t Be You Who Gets Rich Quick 138
68 There Are No Secrets 140
69 Don’t Just Read This[md]Do Something 142

Part III Get Even Wealthier 144
70 Carry Out a Finance Health Check Regularly 146
71 Get Some Money Mentors 148
72 Play Your Hunches 150
73 Don’t Sit Back 152
74 Get Someone to Do the Stuff You Can’t 154
75 Know Yourself[md]Solo, Duo, or Team Player 156
76 Look for the Hidden Asset/Opportunity 158
77 Don’t Try to Get Rich Too Quickly 160
78 Always Ask What’s In It for Them 162
79 Make Your Money Work for You 164
80 Know When to Let Go of Investments 166
81 Know Your Own Style 168
82 Know Why You Should Be Able to Read a Balance Sheet[md]and How 170
83 Be One Step Ahead of Your Tax Collector 172
84 Learn How to Make Your Assets Work for You 174
85 Don’t Ever Believe You’re Only Worth What You Are Being Paid 176
86 Don’t Follow the Same Route as Everyone Else 178

Part IV Staying Wealthy 180
87 Shop for Quality 182
88 Check the Small Print 184
89 Don’t Spend It Before You’ve Got It 186
90 Put Something Aside for Your Old Age[md]No, More Than That! 188
91 Put Something Aside for Emergencies/Rainy Days[md]the Contingency Fund 190
92 You Paid What for It? How to Shop Around 192
93 Never Borrow Money from Friends or Family (but You Can Allow Them to Invest) 194
94 Don’t Surrender Equity 196
95 Know When to Stop 198

Part V Sharing Your Wealth 200
96 Use Your Wealth Wisely 202
97 Never Lend Money to Friends or Family Unless You Are Prepared to Write It Off 204
98 Don’t Lend, Take Equities 206
99 You Really, Really Can’t Take It with You 208
100 Know When/How to Say No[md]and Yes 210
101 Find Ways to Give People Money Without Them Feeling They Are in Your Debt 212
102 Don’t Over-Protect Your Children from the Valuable Experience of Poverty 214
103 Know How to Choose Charities/Good Causes 216
104 Spend Your Own Money Because No One Will Spend It as Wisely as You 218
105 Take Responsibility Before You Take Advice 220
106 Once You’ve Got It, Don’t Flaunt It 222
107 What’s Next? Pacts with the Devil? 224

Excerpt of The Rules of Money by Richard Templar PDF

Introduction

Let’s be honest. We all want to be well off, wealthy, rich, abundant. And we’re fascinated by others who already are. How did they do it? How can we do it, too?

The simple truth is that wealthy people tend to understand and do things the rest of us don’t. From mindsets to actual actions, they follow behavioral rules when it comes to their wealth, and these rules are what separate them from everybody else. This book codifies what those behaviors are so that you, too, can choose to be more wealthy. The basis of the Rules (as with the other Rules books) is that these are all things I have observed wealthy people do. This is, if you like, sympathetic magic. If we do like them, we’ll become like them. This actually does work.

Quite simply, this book reveals

  • What people do to make money
  • How they carry on making money
  • How they hang onto it once they’ve got it
  • How they spend it
  • How they invest it
  • How they enjoy it
  • How they make use of it altruistically

In all probability, you’d want to do as little as possible to get to be wealthy, rich, and abundant. A staggering $80 billion is gambled in the U.S.1 each year. Gambling levels of $80 billion means there are a lot of people looking for an easy way to make some money. Gambling $80 billion also means a lot of them are going to be disappointed. The Rules of Money by Richard Templar PDF

Not all of them, mind you. Casinos work on percentages—just like any business. Roulette, for instance, if the game is run properly, runs on about 28 percent. That means if $100 crosses the table, the house expects to pocket $28 of that. It returns $72 to the players—not necessarily the same ones who staked it. Some will lose. Some will win. And some will break even. But the house will always, always win—in the long term. That’s a fact.

Now, if so many people are gambling so much, it implies to me—and I did notice this a lot when I worked in a casino—that they

  • Have too much spare cash and need to get rid of some of it2
  • Firmly believe in their own “luckiness”
  • Like to lose so they can have a reason to feel wretched
  • Are desperate for easy money

This book is not for people who are after any or all of the above. No, not even the easy money bit (sorry). However, it should make a significant improvement to your overall prosperity. The Rules of Money by Richard Templar PDF

This book provides a set of principles, strategies, and things to understand and to do that won’t make you get rich quick, but they will increase the odds of your making money and growing your wealth while remaining a decent person. In effect, you can become the house and always win. So, what do you have to do?

Well, there are a number of things you can do. No individual rule guarantees success. But each narrows the odds. They all increase your chances of making money. It’s not as easy as a quick win on the blackjack table, but it is more assured and long term, and it doesn’t make you an addict or have you chasing a losing streak.

No need for violins here, but I was poor as a kid. I went without. I knew others had more, had lots. I also knew, really, really knew, that I would work my way out of that poor upbringing. But it took a lot of false starts, a whole lot of nearly made-its, before I got it right. And I only got it right when I took the time and trouble to observe what the really rich do. That knowledge, based on those observations, I now happily pass on to you.

I’m going to assume you want to

  • Get richer
  • Do it legally
  • Do something useful with it once you’ve got it
  • Put something back
  • Keep some of this stuff under your hat

and that you are prepared to put in a bit of work.

To help you achieve this, I have divided this book into five sections:

  • Thinking wealthy
  • Getting wealthy
  • Getting even wealthier
  • Staying wealthy
  • Sharing your wealth

We start with thinking wealthy because that’s the foundation on which all things wealth-related rest. We all have money beliefs. Most of us believe that even if money doesn’t make us happy (but secretly, of course, we believe it will), it will at least allow us to be miserable in some comfort. We almost all believe that money lets us buy better stuff, and by buying better stuff, we will be happier. It’s not for me to discourage you in any of those beliefs, merely to give you means of finding out for yourself whether or not this is true.

Time to start. Shall we begin? Whatever happens, here’s to your greater prosperity. The Rules of Money by Richard Templar PDF

Richard Templar


Footnote

  1. American Gaming Association: Fact Sheets. http://www.americangaming.org/Industry/factsheets/statistics_detail.cfv?id=7.
  2. Some of them are there to launder money—put spare cash across the tables and then not play but get it back in the form of a winner’s check, so they don’t have to pay tax on it. Very naughty. Trouble is the house invariably takes its 28 percent off them as well no matter how hard they try to get out without playing much.

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