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The Ultimate Safe Money Guide: How Everyone 50 and Over Can Protect, Save, and Grow Their Money 1st Edition

30 customer reviews
ISBN-13: 978-0471152026
ISBN-10: 0471152021
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Editorial Reviews Review

One of the goals stated on Martin Weiss’s Web site is “to be the No. 1 authority on conservative money investment strategies,” and his book The Ultimate Safe Money Guide certainly reflects that intention. Aiming at those 50 and over, Weiss offers advice on everything from real estate and insurance to annuities and tax-exempt bonds. What makes The Ultimate Safe Money Guide especially timely (this book was written before the Enron disaster made headlines) is the contempt in which he holds both Wall Street and corporate America. According to Weiss, “hype and distortion” is the norm, both in the brokerage/analyst community and in how American business discloses its financial results. He writes that “stock ratings are bought by the companies,” and that based on significant discrepancies between the earnings and cash flow of 6,000 companies his firm has analyzed, 31 percent may be guilty of manipulating their earnings reports. And while Weiss does not eschew stock market investing altogether (his firm sells stock advice), he believes most investors, especially those over 50, need to seriously rethink their risk tolerance for stocks. The Ultimate Safe Money Guide goes against the grain of most investment advice on the market today, but if retirement is on your horizon, Weiss’s advice is worth considering. --Harry C. Edwards

From the Inside Flap

In today’s new era of uncertainty, millions of mature Americans over fifty face a number of urgent financial questions: Where can I find truly safe investments? How can I protect myself against investment losses? How can I prevent or offset a decline in income? Which annuities and insurance policies are rip-offs and which ones are good deals? What should I do to plan for my long-term health care? If you are over fifty, and your answers to these vital questions are off course, you may not have enough time to recoup. When you’re planning for your future and your retirement, it’s essential to have all the facts and the best possible guidance right here and now.

The Ultimate Safe Money Guide fills this urgent need in a way that is especially comforting in a time of new risks and dangers in the wake of the World Trade Center tragedy. As the nation’s only provider of independent financial safety ratings, Martin Weiss has helped millions of Americans find safety in an often unsafe world; and, in this book, he sets forth the rules and guides you, step-by-step, on the path to safety, yield, and profits.

This comprehensive guide begins by helping you to avoid stock market scams, recognize the pitfalls of "free investment advice," and recover money lost by careless, unethical, or dishonest brokers. You’ll also learn how to arm yourself with powerful, independent information that is not biased by any conflicts of interest–so you can make your own investment decisions based entirely upon your needs. With the special Risk Self-Test devised by the author, you can rest assured that your investments will match your personal risk level.

The Ultimate Safe Money Guide offers a proven and effective plan for preserving your nest egg, building your wealth, and securing your retirement. It gives you a sound step-by-step plan for maximum safety and yield, while laying out a very straightforward strategy for maximizing profits even in uncertain times. This unique guide gives you some of the soundest investment tools you’ve ever seen or are ever likely to see, but it doesn’t stop there. You’ll also learn how to:

  • Offset the financial burden of medical and health care costs
  • Research and locate the right life insurance
  • Evaluate, on your own, the pros and cons of almost every kind of annuity
  • Choose the only health insurance solution that makes sense for seniors
  • Navigate the maze of long-term care insurance

The Ultimate Safe Money Guide also provides a special chapter for widows, widowers, divorcées, or anyone who is making financial decisions for the first time. Like every other chapter in this book, it couldn’t be easier to read or simpler to follow–a great source of guidance and comfort for the most critical juncture in your life. The valuable insights and expert advice on health care, insurance, investments and retirement savings, housing decisions, and long-term care will help you make choices during a time when you should stop worrying about money and enjoy your life.

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Product Details

  • Hardcover: 336 pages
  • Publisher: John Wiley & Sons; 1st edition (February 11, 2002)
  • Language: English
  • ISBN-10: 0471152021
  • ISBN-13: 978-0471152026
  • Product Dimensions: 2.5 x 0.4 x 3.7 inches
  • Shipping Weight: 1.3 pounds (View shipping rates and policies)
  • Average Customer Review: 3.7 out of 5 stars  See all reviews (30 customer reviews)
  • Amazon Best Sellers Rank: #959,327 in Books (See Top 100 in Books)

More About the Author

Martin D. Weiss is one of the nation's leading providers of a wide range of investment information. He is chairman of The Weiss Group, Inc. which consists of four separate corporations, including Weiss Research, Inc., the publisher of the Safe Money Report. The Weiss companies have helped thousands of individuals make informed investment decisions and objectively discriminate between strong and weak stocks, insurance companies, HMOs, banks and S&Ls.

Dr. Weiss began his career in 1971 when he founded Weiss Research, dedicated to evaluating the safety of financial institutions and investments for consulting clients. After spending two years in Japan as a Fulbright Scholar studying management techniques at Japanese financial institutions, Dr. Weiss returned to the United States in 1980 to begin issuing formal safety ratings on banks and savings institutions. His firm issued the first independent insurance ratings in 1989, the first ratings of brokerage firms in 1992, and the first HMO ratings in 1994.

Acclaimed for his accurate, objective evaluations, Dr. Weiss has appeared on ABC, CBS, NBC, CNBC, and network news programs, including The Today Show. He has been quoted in hundreds of newspapers and magazines, including The Wall Street Journal, USA Today, The New York Times, The Chicago Tribune, The Los Angeles Times, Esquire Magazine, Money, Business Week, Fortune, and The Institutional Investor. Plus, books by Weiss have been published in Japanese and serialized in major Japanese business magazines and newspapers such as Economisto and the Japan Economic Journal. Articles have also appeared in the London Spectator and other European economic journals.

His Weiss Ratings, based largely on the Weiss proprietary computer model, has won acclaim by the U.S. General Accounting Office (GAO) for having beaten the competition by three to one in accuracy.

Dr. Weiss has testified before Congress and the National Conference of Insurance Legislators regarding insurance company stability, where he has proposed legislation requiring full financial disclosure to the consumer. He testified before the U.S. Senate Permanent Subcommittee on Investigations when it considered the financial difficulties befalling Blue Cross/Blue Shield member companies. He is also a frequent guest speaker and lecturer at major investment seminars in the U.S. and abroad. Most recently, Dr. Weiss presented to the National Press Club his solution for eliminating the conflicts of interest rampant in the brokerage industry.

Dr. Weiss is the editor of the financial newsletter, Safe Money Report, known for its track record in picking major turns in interest rates. Dr. Weiss also serves as editor or co-editor for a number of Premium Services. He is also the author of The Ultimate Safe Money Guide: How Everyone 50 and Over Can Protect, Save and Grow Their Money and Crash Profits: How to Make Money When Stocks Sink AND Soar.

Martin Weiss holds a bachelor's degree from New York University and a Ph.D. from Columbia University.

Customer Reviews

Most Helpful Customer Reviews

40 of 40 people found the following review helpful By half on July 26, 2003
Format: Hardcover
There appears to be no possible middle ground between the extremes of opinion expressed by the various reviewers, but in fact, there is. In no particular order:
1) Weiss' severe scolding of, and warnings about, brokers and brokerages were in fact right on the money. He was proven correct by events that happened after he wrote about them. In fact, some brokerages and investment bankers were worse than he had described.
2) Yes, in fact he does sell several newsletters of the doom and gloom variety, but to his credit, does not peddle them in the body of the book.
3) Mentioned should be made of his description of using Treasury-only checking accounts for regular banking. It is quite useful.
4) Similarly mention should be made of his interesting strategy of investing in mutual funds, moving freely amongst the funds as other traders (e.g. me) would move amongst stocks. Maybe it is common knowledge, but it wasn't to anyone I know. I think this one I will try.
All in all, for persons who read mostly conventional books for advice about stock trading, this book provides a very interesting perspective for traders of any age. And it can be had for less the the commission cost of a couple of trades :).
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49 of 55 people found the following review helpful By B Engle on March 2, 2002
Format: Hardcover
This excellent book is more than just about investing. I found the chapters on health insurance and long term care insurance outstanding. I have subscribed to Dr. Weiss's newsletter for several years and it is excellent. If you have any doubts about his expertise,...Martin Weiss just tells it like it is in easy to understand language...
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33 of 36 people found the following review helpful By A Customer on February 4, 2002
Format: Hardcover
This is simply a fantastic book. There is a wealth of good solid information about how to protect your money and keep it working for you. And it's not just for people over fifty, either. I think plenty of people in their thirties, like me, could make use of this book. The writing style is easy to read and understand, making the book all the more effective.
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43 of 49 people found the following review helpful By Matt P on April 5, 2002
Format: Hardcover
Dr. Weiss has joined the ranks of those like "Adam Smith" who warn against blind faith in used stock salesmen-- brokers, "analysts", and other stock touts. This warning needs frequent repeating. But Dr. Weiss fails to meet the needs of those who know they know little, and are looking for help in navigating among "trusted" mutual fund companies such as TIAA-CREF, Fidelity, Vanguard, and the like. These companies have deserved reputations for providing sound investment vehicles, but they, too, have their dogs. For the most part, these companies seem to aim at giving their customers the option of informed choice in electing a comfortable level of risk. For one who is inexperienced and building for retirement, some help in exercising that choice would be welcome. Unfortunately, that is not something that Dr. Weiss provides.
I would remark that Dr. Weiss, himself, is not completely free from criticism for the way he markets his "profit from the coming train-wreck" nesletters.
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15 of 15 people found the following review helpful By MM on January 27, 2003
Format: Hardcover Verified Purchase
The Ultimate Safe Money Guide is a very well written book and researched well. If you feel unsure about the economy, the various markets or financial vehicles, I would highly recommend reading this book. Martin Weiss also has an excellent website for figuring out which companies (insurers, brokers, etc) are the safest. The book lists specific companies which are the least safe, etc. He explains how people and businesses have manipulated stocks and what you can do to protect yourself. Even if you don't believe the economy will keep getting worse, this is a worthwhile read.
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35 of 40 people found the following review helpful By R. Bruce on March 1, 2002
Format: Hardcover
Martin Weiss PhD. is a savior. His latest "Ultimate Safe Money Guide" should be required reading for anyone planning to invest in the stock market, purchasing life insurance or planning for retirement later on down the road. Unfortunately, many will continue to listen to the mainstream Wall street hawkers on TV and get taken to the cleaners financially. This book is written in easy to understand language with many suggestion that you would usually have to pay hundreds of dollars to get from someone you could trust. Buy this book! I can't be more direct than that. I have subscribed to Martin's newsletter for at least three years, followed his advice, and haven't lost a dime in this BEAR market. Unfortunately, I can't say that for many of our friends that have lost thousands in their 401K and IRA's because they have listen to their advisers who keep telling them, "your in it for the long term" yeah right! Buy it, read it, study it and then read it again!
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12 of 12 people found the following review helpful By Daniel L. James on February 19, 2003
Format: Hardcover
The title implies that folks 50 and over will benefit. As an avid investor, still younger than 50, I can attest that this is a survival guide for anyone wishing to trade in stocks through traditional brokerage firms.
The book exposes the "technology bubble" of 1999 and 2000, showing the high-tech stock recommendations by the major brokers and analysts, while they were secretly selling off their own shares.
I was so impressed with this book, that I used it as a research source for an MBA course paper titled "Contrarian Investing - Riding the Manipulators' Coattails."
Awesome book. Don't buy another stock until you've armed yourself with this information!
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