| The Basics of Getting Rich--Wealth Stages 1 and 2 | p. 1 |
| Are You Going to Be Rich? | p. 3 |
| Lives of the Rich and Affluent | p. 4 |
| Do You Identify with Wealthy People? | p. 5 |
| You're Never Too Old to Start | p. 5 |
| Investing with Passion | p. 6 |
| The Wealthy Postman | p. 6 |
| Is a College Education Necessary? | p. 7 |
| The Rich Couple Next Door | p. 8 |
| Wealth and Adversity | p. 9 |
| Don't Be a Hodad! | p. 10 |
| The Wealth Quiz | p. 10 |
| Do You Have What It Takes to Be Rich? | p. 11 |
| Why are Most People Not Wealthy? | p. 12 |
| The Misconceptions of Wealth | p. 13 |
| Wealth Is a Journey | p. 14 |
| Eleven Tools for Building Wealth | p. 17 |
| Tools to Build Your Wealth | p. 17 |
| Investments | p. 18 |
| The Value of Time | p. 19 |
| Compound Growth | p. 21 |
| Living Expenses | p. 23 |
| Risk Management | p. 24 |
| Inflation Awareness | p. 24 |
| Taxes Minimization | p. 25 |
| Debt | p. 26 |
| Target Savings Goal | p. 26 |
| Salary or Income | p. 27 |
| Net Worth | p. 27 |
| The Five Stages of Wealth | p. 29 |
| What Is Your Net Worth? | p. 30 |
| Wealth Stage 1 | p. 31 |
| What's Your Focus Here? | p. 32 |
| Wealth Stage 2 | p. 33 |
| What's Your Focus Here? | p. 33 |
| Wealth Stage 3 | p. 34 |
| What's Your Focus Here? | p. 34 |
| Wealth Stage 4 | p. 35 |
| What's Your Focus Here? | p. 36 |
| Wealth Stage 5 | p. 36 |
| What's Your Focus Here? | p. 36 |
| How Can You Get There Faster? | p. 37 |
| How to Become a Saver | p. 39 |
| Wealth Is a Journey, Not a Destination | p. 40 |
| Measure and Maximize Your Current Income | p. 44 |
| Measure and Maximize Your Current Expenses | p. 44 |
| Calculate Your Pretax Income Needs | p. 48 |
| Consider the Inflation Factor | p. 48 |
| Estimate Your Target Portfolio Amount | p. 50 |
| How to Reach Your Target Portfolio Amount | p. 51 |
| Strategies for Achieving Your Target Savings Goal | p. 55 |
| Stay on Track | p. 57 |
| The Secrets of Millionaires | p. 59 |
| The Seven Habits of Very Wealthy People | p. 60 |
| Be a Consistent Saver | p. 60 |
| Pay Cash When You Can | p. 61 |
| Shopping Saves You Money | p. 63 |
| Consider Previously Owned Merchandise | p. 65 |
| Be a Great Steward | p. 67 |
| Learn the Basics of Investing | p. 67 |
| Do Your Homework | p. 68 |
| Do You Have What It Takes to Be Wealthy? | p. 69 |
| Follow Your Passion | p. 69 |
| Be a Decision Maker | p. 71 |
| Develop Discipline | p. 72 |
| Be Patient | p. 72 |
| Have Faith | p. 72 |
| Be Willing to Sacrifice | p. 73 |
| An Employee's Guide to Building Wealth | p. 75 |
| Design Your Own Dream Job | p. 76 |
| Five Questions Revisited | p. 76 |
| What Are You Doing Now | p. 77 |
| Design the Perfect Day | p. 77 |
| What Are Your Options | p. 78 |
| You Need a Role Model | p. 78 |
| The Job Proposal | p. 79 |
| Getting More Life Out of Your Job | p. 82 |
| Four Ways to Automatically Build Wealth While Working for Others | p. 83 |
| Maximize Your Contributions to a 401(k), SEP, or Simple Plan--the Last Tax Shelters | p. 83 |
| Investigate Additional Retirement Plans | p. 84 |
| Maximize Savings in Your Investment Account | p. 85 |
| Buying Your Company's Stock | p. 85 |
| Becoming an Investor--Wealth Stages 3 and 4 | p. 87 |
| Stay Away from This Stuff | p. 89 |
| What You Should Avoid in Your Portfolio | p. 90 |
| Proprietary Investment Products | p. 90 |
| Heavily Loaded Mutual Funds | p. 91 |
| Killer B Funds | p. 91 |
| UITs | p. 93 |
| Limited Partnerships | p. 94 |
| Initial Public Offerings of Closed-End Funds | p. 95 |
| Options | p. 96 |
| Futures | p. 96 |
| Penny Stocks | p. 96 |
| Rumors and Hot Tips | p. 97 |
| Insurance Products as Investments | p. 97 |
| Wrap Accounts | p. 98 |
| Why Do People Use the Wrong Tools? | p. 99 |
| People Skip Their Homework | p. 99 |
| People Are Persuaded by Commission-Based Salespeople | p. 100 |
| People Don't Recognize Conflicts of Interest | p. 101 |
| What Are Consequences of Owning the Wrong Investments? | p. 101 |
| Unsuitability of the Investment | p. 101 |
| Unknown Expenses | p. 102 |
| Mediocrity | p. 102 |
| Investments That Do Work | p. 105 |
| Before You Invest | p. 105 |
| The Bond Tools | p. 107 |
| Money Market Funds | p. 108 |
| Certificates of Deposit | p. 109 |
| Treasury Bonds, Bills, and Notes | p. 109 |
| Municipal Bonds | p. 110 |
| Corporate Bonds | p. 112 |
| Hybrid Fixed Income Securities | p. 112 |
| A Little Secret About Bond Funds | p. 113 |
| The Equity Tools: Stocks and Such | p. 113 |
| Domestic Stocks | p. 115 |
| Foreign Stocks | p. 115 |
| The Mutual Fund Tools | p. 115 |
| Mutual Funds Aren't Just for Small Accounts Anymore | p. 116 |
| Open-End Funds | p. 117 |
| Closed-End Funds | p. 119 |
| Real Estate | p. 119 |
| The Best Tools for Building Wealth | p. 120 |
| Your Own Business Is the Best Tool | p. 120 |
| Stocks Are the Second Best Tool | p. 120 |
| The Perfect Portfolio | p. 121 |
| The Perfect Specialist When You Need One | p. 122 |
| How to Find Help | p. 123 |
| Where to Find a Great Advisor | p. 124 |
| Full-Service Investment Brokers | p. 124 |
| Registered Investment Advisors | p. 125 |
| Fee-Only Advisors | p. 125 |
| Commission-Based or Fee-Based Investment Advisors | p. 126 |
| Certified Financial Planners | p. 127 |
| Finding an Advisor Who Is Perfect for You | p. 128 |
| Credentials | p. 128 |
| Compensation | p. 130 |
| Characteristics of Advisors | p. 132 |
| Customer Service | p. 134 |
| Client References | p. 137 |
| Background Check | p. 138 |
| Jumping into the Market | p. 141 |
| Don't Swallow That Hook! | p. 142 |
| A Portrait of Your First Investment | p. 143 |
| How Much Will You Need to Start? | p. 143 |
| Narrowing the List | p. 144 |
| Risk and Return | p. 145 |
| To Thine Own Self Be True | p. 145 |
| What Kind of Return Do You Expect | p. 146 |
| Learn from Your Mistakes | p. 146 |
| Don't Let the Market Control Your Life | p. 147 |
| The Tortoise and the Hare | p. 147 |
| Invest Automatically | p. 147 |
| Where to Put the First Investment | p. 148 |
| Graduating to More Than One Fund | p. 149 |
| Graduating to Two Funds | p. 149 |
| Graduating to Three Funds | p. 150 |
| Building the Perfect Portfolio | p. 151 |
| Asset Allocation | p. 152 |
| Asset Allocation Software | p. 153 |
| Asset Allocation Based on Age | p. 153 |
| The Hockey Puck Theory | p. 153 |
| Investment Selection | p. 156 |
| Buy and Hold Strategy | p. 157 |
| Market Timing | p. 158 |
| Sector Rotation | p. 159 |
| The Flower Portfolio | p. 161 |
| Maintenance and Review | p. 162 |
| Measurement of Results | p. 162 |
| Micro-Delegation Strategy | p. 163 |
| Zero Based Thinking | p. 164 |
| The Six Habits of Very Wealthy Investors | p. 165 |
| Develop an Understanding of Basic Economics | p. 166 |
| Inflation and Interest Rates | p. 166 |
| Corporate Earnings Growth | p. 166 |
| Find the Best Research Resources | p. 167 |
| Charting Isn't Just for the Pros | p. 168 |
| Invest Time in Your Investments | p. 169 |
| The Disciplined Investor | p. 169 |
| Research Is a Requirement | p. 169 |
| When Should You Sell? | p. 170 |
| How Do You Know When to Buy? | p. 170 |
| Stay Committed to Your Investment Decisions | p. 170 |
| Keep an Open Mind | p. 171 |
| Think Outside of the Box | p. 171 |
| Think Creatively | p. 172 |
| Is Investing Your Passion and Desire? | p. 173 |
| Waschka's 10 Easy Portfolio Strategies That Work | p. 175 |
| Watch the Interest Rate Seesaw | p. 176 |
| Investing in the Midst of Panic and Euphoria | p. 178 |
| Look for Industry and Geographical Growth | p. 180 |
| Invest in Anticipation of Economic Changes | p. 180 |
| Monitor Market Cycles | p. 182 |
| Study Demographics | p. 183 |
| Take Advantage of Information Gaps | p. 183 |
| Identify Technology Gaps | p. 184 |
| Profit from Market Inefficiencies | p. 185 |
| Watch the Leaders and Laggards | p. 187 |
| What Your Broker May Not Tell You | p. 189 |
| Investing According to Larry's Laws | p. 190 |
| Don't Believe the Sales Hype | p. 190 |
| Stand on the Shoulders of Giants | p. 190 |
| What You Don't Know Really Can Hurt You | p. 190 |
| If It Sounds Too Good to Be True, It Probably Is | p. 190 |
| Be a Smart Risk Taker | p. 191 |
| What Goes Up | p. 191 |
| Be Proactive | p. 191 |
| Beware of Rumors | p. 191 |
| Beware of Conflicts of Interest | p. 191 |
| Give First Priority to Value | p. 191 |
| Don't Worry About Things You Can't Change | p. 192 |
| Don't Panic | p. 192 |
| A Note to Brokers and Advisors | p. 192 |
| Avoid Custodian Fees | p. 192 |
| Buy Discounted Closed-End Funds | p. 193 |
| Avoid Limited Partnerships | p. 194 |
| Don't Stay on Margin | p. 194 |
| Look for Profit Not Tax Shelters | p. 194 |
| Don't Buy from Strangers | p. 194 |
| Variable Annuities Don't Go in IRAs | p. 194 |
| Take Advantage of Breakpoints | p. 195 |
| Other Investment Laws Revisited | p. 195 |
| The Bulls Are Always Running Somewhere | p. 195 |
| The Market Is Full of Inefficiency | p. 196 |
| Be an Unreasonable Investor | p. 196 |
| Cut Your Teeth on an All-Purpose Investment | p. 196 |
| Loads Versus No-Loads | p. 196 |
| Avoid Loaded Variable Annuities | p. 197 |
| Account Consolidation | p. 197 |
| Consider Starting a Simple Plan | p. 197 |
| Never Use Life Insurance for Investment Purposes | p. 197 |
| Be Careful Purchasing Mutual Funds in December | p. 197 |
| Check Twice for All the Fees and Commissions | p. 198 |
| Educate Yourself with Free or Low-Cost Resources | p. 198 |
| If Interest Rates Are Rising, Don't Buy Long Bonds | p. 198 |
| Don't Buy Proprietary Products | p. 198 |
| Don't Be a Trader | p. 198 |
| Utilize No Transaction Fee Programs (NTF) | p. 198 |
| Don't Buy Individual Foreign Stocks or Bonds | p. 198 |
| Ask for a Discount | p. 199 |
| Eliminate as Many Barriers or Limitations as You Can | p. 199 |
| Demand Liquidity | p. 199 |
| The Secret to Successful Portfolio Management Is to Make It a Passion | p. 199 |
| Avoiding the Investment Boo-Boos | p. 201 |
| Beginner's Mistakes | p. 202 |
| Intermediate Investors Make Mistakes, Too | p. 203 |
| Advanced Investors Also Make Mistakes | p. 207 |
| Building Wealth with Your Own Business | p. 211 |
| Start with Your Hobby | p. 213 |
| Why Start Your Own Business? | p. 214 |
| What Business Will You Start? | p. 214 |
| Writing a Winning Business Plan | p. 217 |
| Business Plan Software | p. 220 |
| The Pro-Forma Financial Statements | p. 222 |
| Taking on a Partner | p. 223 |
| A Last-Minute Checklist | p. 224 |
| Don't Get Too Anxious | p. 224 |
| How to Tell Whether You've Arrived | p. 224 |
| Be Your Own Boss | p. 227 |
| Playing Quarterback | p. 228 |
| Systematize Your Business | p. 229 |
| Focus on Marketing | p. 231 |
| Ten Marketing Questions You Need to Ask Yourself | p. 232 |
| When Things Go Wrong | p. 233 |
| Give Yourself a Break | p. 234 |
| What's Really Important? | p. 234 |
| The 22 Most Common Mistakes Business Owners Make--Why Businesses Fail | p. 235 |
| Wealthy People Have Great CPAs | p. 237 |
| How to Find the Perfect CPA | p. 237 |
| Measuring Your Way to Wealth | p. 239 |
| When the IRS Calls | p. 241 |
| Problem Solving | p. 242 |
| Goal Setting | p. 242 |
| Basic Personal Financial Planning | p. 243 |
| Second Opinions | p. 243 |
| CPAs Are Well Connected | p. 244 |
| Helping You with Your Banker | p. 244 |
| Your Corporate Setup | p. 245 |
| Maximizing Your CPA Benefit | p. 245 |
| Wealthy People Have Great Bankers | p. 247 |
| Good Credit Is Essential | p. 248 |
| The Perfect Loan Proposal | p. 249 |
| Finding the Right Banker | p. 252 |
| What to Ask Bankers | p. 253 |
| Dealing with Rejection | p. 255 |
| What If You Can't Make Your Payments? | p. 255 |
| Find Great Talent | p. 257 |
| Hiring Versus Outsourcing | p. 257 |
| Keep Payroll Costs Under Control | p. 258 |
| Become a Headhunter | p. 258 |
| Ask for Referrals | p. 259 |
| Find the Dissatisfied | p. 259 |
| Exceed Your Employees' Expectations | p. 260 |
| Establish a Net Bonus Program | p. 260 |
| Delegate and Succeed | p. 261 |
| Match People and Jobs | p. 262 |
| Truly Get to Know Your People | p. 263 |
| Conduct Regular Team Meetings | p. 263 |
| Let Your Employees Contribute | p. 264 |
| Consider an ESOP | p. 264 |
| How to Sell Your Business | p. 267 |
| Ways to Build Your Business and Get Rich | p. 268 |
| Why Sell? | p. 273 |
| How to Value Your Company | p. 273 |
| The Asset Method | p. 274 |
| The Market Comparison Method | p. 274 |
| The Discount Method | p. 275 |
| Who Can Help | p. 275 |
| Finding a Buyer | p. 276 |
| Construct Your Business Profile | p. 277 |
| Complete the Deal | p. 278 |
| What's Important to You? | p. 278 |
| Suggestions for Peaceful Negotiations | p. 279 |
| How to Have a Smooth Sale | p. 279 |
| Taking Your Company Public--the Initial Public Offering | p. 280 |
| Additional Resources | p. 281 |
| The Advanced Strategies for Building Wealth | p. 283 |
| Taxes Made Easy | p. 285 |
| The Last of the Great Tax Shelters | p. 286 |
| The Most Common Tax-Related Mistakes People Make | p. 288 |
| Is Saving Taxes Priority Number One? | p. 288 |
| Silly Mathematical Errors | p. 288 |
| Poor Record Keeping | p. 289 |
| Trying to Do It All Yourself When You Know You Need Help | p. 289 |
| Overlooking Deductions | p. 289 |
| Incorrect Withholdings | p. 290 |
| Not Capitalizing on Qualified Plans | p. 290 |
| Using the Wrong Kind of Debt | p. 290 |
| Improper Use of Bonds | p. 290 |
| You Can't Take It with You | p. 291 |
| What Exactly Is Estate Planning? | p. 291 |
| The Estate Planning Toolbox | p. 291 |
| Getting Started | p. 293 |
| The Paradigms of Wealth | p. 295 |
| Eleven Obstacles to Wealth | p. 295 |
| The Study of Paradigms | p. 296 |
| The Wealth Paradigms | p. 299 |
| Past Performance Versus Hockey Puck | p. 299 |
| Fear Versus Contrarian | p. 301 |
| Greed Versus Philanthropy | p. 301 |
| One Last Word | p. 302 |
| The Last Word on Wealth | p. 303 |
| Unleash Your Mental Power | p. 304 |
| Tools for a More Productive Life | p. 305 |
| Yearly Planning Retreats | p. 306 |
| Write Your Mission Statement | p. 306 |
| Traditional Brainstorming | p. 306 |
| Mind-Mapping | p. 307 |
| Monthly Planning Sessions | p. 308 |
| Prioritize Your Goals | p. 309 |
| Project Planning | p. 309 |
| The Project Notebook | p. 310 |
| Assess and Adjust | p. 310 |
| Weekly Planning | p. 310 |
| Daily Planning | p. 311 |
| How to Motivate Yourself | p. 312 |
| Become a Better Decision Maker | p. 312 |
| Communications Book | p. 313 |
| Software to Help Make You Rich | p. 315 |
| Web Site Index | p. 319 |
| Words of the Wealthy-the Whole List | p. 323 |
| Index | p. 329 |
| Table of Contents provided by Syndetics. All Rights Reserved. |