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Safely Prosperous or Really Rich: Choosing Your Personal Financial Heaven Hardcover – April 27, 2004
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From the Inside Flap
According to financial publisher and bestselling author Howard Ruff, there are two distinctly different and equally desirable financial Heavens, and a distinct and different route to get to each one. The choice is yours. One destination is Safely Prosperous and the other is Really Rich.
Safely Prosperous or Really Rich? examines both of these strategies, and carefully guides you down whichever path you decide to take. The first part of this bookThe Safe Road to Prosperityis for those of you who want to live comfortably with no risk or financial worries and a secure future, even after retirement. Youll be introduced to the ten most important, and near-universal, mistakes that people make that abort their prosperity, including the common and costly investment mistakes that can often destroy years of financial discipline and savings. By following this route, youll discover how to become debt free, while accumulating a bit more money than you really need.
In the second part of the bookThe Secrets of the Really Richyoull be introduced to the most important things rich people have always done (and continue to do) to get rich. This section will teach you how to make the leap from the Safely Prosperous to the Really Rich. Ruff reveals that its not just how much money the really rich have or how smart they are, its their attitude toward risk and fear, their understanding of when to break the rules that the Safely Prosperous follow, and their knowledge of a few simple capitalistic principles that allows them to accumulate serious wealth. By following this route, youll not only learn how to get rich, youll discover how to stay rich.
Safely Prosperous or Really Rich? is a unique book that allows you to choose your financial destination when making decisions about your money and your life. Depending on which path you choose to take, prosperity or real wealth is well within your reach, and with Safely Prosperous or Really Rich? as your guide, you can make this happen faster than you could ever imagine.
From the Back Cover
Praise for SAFELY PROSPEROUS or REALLY RICH?
"Howards brilliant concept that the roads to Prosperity and Riches are very different is very liberating. In most financial books, the author would never do what Howard has donerecount with unflinching honesty the big financial mistakes he and his subscribers have made over the years so readers can avoid the same stumbling blocks and pitfalls. Only a very secure man would have the guts to do that."
author of Multiple Streams of Income and Nothing Down
"Howard Ruff is back, offering a wealth of powerful new financial advice for Americas middle class. In his new manual, Safely Prosperous or Really Rich?, he challenges you to choose between two roads. The older I get, the more I favor Safely Prosperous, but you make the call. I also love Howards old-fashioned moral perspectives on money."
editor of Forecasts and Strategies
"Safely Prosperous or Really Rich? is destined to be one of the most influential books of the early twenty-first century, just as his mega bestseller, How to Prosper During the Coming Bad Years, changed millions of lives in the late 70s. Welcome back, Howard."
author of Bulls Eye Investing
Top customer reviews
I cannot emphasize enough how bad this book is. Only two other times have I not read a book I started in its entirety. Here's number three. I read the first half and scanned the last half. I assure there was no improvement. Take a pass on this turkey.
I first heard about it in John Mauldin's newsletter, and would not have purchased it if not for Mr Mauldin recommendation.
In hindsight, it looks to me like 'Howard Ruff' is a valuable brand (chronicles say this guy sold three million copies of the other book 'How to Prosper During the Coming Bad Years'), worth exploiting further. With this book I fear the brand has been a little bit overstretched.
Someone said that the strategies outlined in it are excellent... True, and here is why I give it a low rate: Beginners and experienced readers as well will find other, better, earlier books that tell the American tale on how to become safely prosperous o really rich (examples include: The Millionaire Next Door; Getting Rich in America and The Complete Idiot's Guide to Getting Rich). Then, if this book contains nothing new, what's its purpose? What's its value?
How's written this book? There are many repetitions; Ruff tells many times here and there the same stories (How he helped the crash of the Iron Curtain; why you have to have a six-month supply of food; how his newsletter, The Ruff Times, was the biggest, most influential newsletter in the known universe; and more...), which is annoying indeed, gentle reader!
Sometimes I wondered whether I bought a book or a catalogue disguised as a book.
There are several references to businesses owned by Mr Ruff himself or his relatives or his friends (sometimes he discloses he has a financial interest, sometimes he discloses he hasn't. Well, my wife is a lawyer, just in case you need one. I have no financial interest in her business.). The book keeps leading the reader to this or that product. Boy, this is 'cross-selling'! This is 'leverage'!
I recalled the tale of the fish: Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime. When I got the book I hoped I was going to learn something new on how to fish. And teachings are there, I'm not diminishing in any way the virtue of many suggestions (get out of debt, start saving...) written in this book. There's plenty of fish for sale in this book (this metaphor helps make my point, so let's not be too critical here); alas, not many new teachings.
Here's a quote from the book:
"Do not run out and execute the market recommendations in this book as soon as you read it. We have a very dynamic economy, and time can change things. Some recommendations may be good ideas for which the right time has come and gone or the propitious time has not yet arrived (...) The best way to keep up with things is to subscribe to 'The Ruff Times', which is written every three weeks, as I track all these recommendations very closely"
(You can sign up for one year for $139, or for two years for $230, if you ask)
If I have to subscribe to "The Ruff Times" to know what to buy and when to buy it in order to make money, what's the practical use of this book after all? What's its purpose? What's its value?
The book uses the "heaven" metaphor to good advantage (heaven being that place where one enjoys peace of mind) Financial affairs under control with minimum risk bring peace of mind. Financial affairs out of control bring stress, and strike at the stability of families. (hell being a state of constant worry)
The first book, addressed to the largest reading audience, teaches how to avoid debt and achieve the safe heaven of prosperity without risk. The second book, addressed to the wealthier set, lays out a track to enlarge, protect, and pass on assets in the family treasury to future generations.
I consider the book a must-read, especially for the younger set. It is said that those who understand interest collect it, and those who do not, pay it. Howard's book will help many readers resolve to make the tough decisions that will put them on the heavenly side of that equation.
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