Everyone's Guide To Financial Planning
WINN: When, If Not Now?
I took liberties with the last line of a famous quotation attributed to Hillel (60 B.C. - A.D. 10) and used itfor the title of this book:"When, If Not Now?"The entire quotation reads: "If I am not for myself then who is for me?If I am only for myself what good am I?If not now, when?"The second line gave me the motivation necessary to write this book. The third line is meant to give
motivation to do something about your life.Many people feel they cannot afford professional advice when it comes to planning for their productiveand financial future. In reality they cannot afford to be without this advice!What can advice do for me? How much will it cost (or benefit me in terms of savings)? How do I choosean advisor? The answers to these and other questions are found in this book.This is as close as one can get to a "do it yourself" book in a field that does not easily lend itself to theself-help concept. The purpose of this book is to educate you to the fact that you can benefit fromprofessional advice and to show you that such advice should
you in terms of timeand dollars.However, it is up to you to choose your advisers wisely and to monitor their counsel. Rare is the personwho has not suffered at one time or another at the hands of an incompetent professional whether he beplumber, mechanic, investment adviser or doctor. The incompetence of an attorney dramatically changedten years of my life -- in response I studied law. I don't suggest you pursue surgery as a career if youhave been the victim of an unnecessary operation, but study you must. Gather information and compareopinions before making the decisions that are ultimately yours alone to make. To purchase stock solelyon the recommendation of your broker is foolish. Listen, get other opinions and check out therecommended company. This book and others will tell you the many things you must take intoconsideration before choosing the insurance, savings, investment, retirement and estate plant hat is bestfor you. Remember, advice in the area of financial planning must always be taken as a whole, notpiecemeal, and in the light of your unique circumstances.The purpose of this book is to educate not indoctrinate. The only point of view I wish to advocate is theneed for critical analysis. No one has your interests more at heart than you do! No one knows yoursituation, your hopes, desires and needs as well as you. In the long run you and no one else is responsiblefor the satisfaction or disappointments you get out of life. You can respond to events haphazardly as theywork on you or you can, through advanced planning, anticipate and control events rather than alwaysbeing controlled by them.Isn't it time you took charge of your life?
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