Praise for The Automatic Millionaire Homeowner

1 Praise for Go Green, Live rich Great news: there is no green premium! By demonstrating how going green can fit any budget, David Bach shows that good environmental and financial decisions go hand-in-hand. Go Green, Live rich gives great tips, useful to everyone, about how to save money and the planet at once. Robert F. Kennedy Jr. Go Green, Live rich is as much about saving money as it is about preserving our world of natural wonders for future generations. This is the rich -green-book of a promising tomorrow. Matthew Modine, Founder: Bicycle for a DayPraise for The Automatic Millionaire Homeowner [Bach s] cheery, can-do message .. cuts through the intimidating challenge of buy-ing a house for the first-timer .. for a newcomer, it s fundamental reading. USA Today If you read only one real estate book this year, it should be The Automatic Millionaire Homeowner .

2 This is one of the few real estate books that cannot be recommended too highly for both beginners and experienced homeowners. Robert J. Bruss, Miami HeraldPraise for start late , finish rich Financial wizard David Bach s new book, start late , finish rich , offers solid advice for getting our finances in order, no matter how old we are. AARP With feel-good sensibilities, David Bach delivers levelheaded strategies for reaching financial goals.. Bach s clever approach will make readers feel as if they re having a one-on-one conversation with a friendly personal financial counselor.. Powerful, poignant and pleasing, start late , finish rich can t be read fast enough. Bookpage Praise for The Automatic Millionaire The Automatic Millionaire is an Automatic winner. David Bach really cares about you: on every page you can hear him cheering you on to financial fitness.

3 No matter who you are or what your income is, you can benefit from this easy-to-apply program. Do it now. You and your loved ones deserve big bucks! Ken Blanchard, coauthor of The One Minute Manager The Automatic Millionaire gives you, step by step, everything you need to secure your financial future. When you do it David Bach s way, failure is not an option. Jean Chatzky, Financial Editor, NBC s Today The Automatic Millionaire proves that you don t have to make a lot of money or have a complicated financial plan to get started you can literally start toward your finan-cial dreams today, in a matter of hours, with just one life-changing secret: Pay yourself first and make it Automatic ! Equally important, this book shows you how to simplify and automate your entire financial life. Harry S. Dent, Jr., investment strategist and author of The Roaring 2000sPraise for Smart Couples finish rich Smart Couples finish rich teaches women and men to work together as a team when it comes to money.

4 Bach s nine steps are powerful, yet easy to understand and fun to implement. The entire family can benefit from this great book. Robert T. Kiyosaki, author of rich Dad, Poor Dad I know how hard it is to make a personal-finance book user-friendly. Bach has done it. Smart Couples finish rich picks up where Smart Women finish rich left off.. This is an easy, lively read filled with tips that made me smile and at least once made me laugh. USA Weekend David Bach offers a prescription both to avoid money conflicts and to plan a harmo-nious future together.. The bottom line is action, and Bach s chatty writing style helps motivate you to that end. BusinessWeekPraise for Smart Women finish rich Inspires women to start planning today for a secure financial future. Every woman can benefit from this book.. Bach is an excellent money coach. John Gray, bestselling author of Men Are from Mars, Women Are from Venus David Bach is the one expert to listen to when you re intimidated by your finances.

5 His easy-to-understand program will show you how to afford your dreams. Anthony Robbins, author of Awaken the Giant Within and Unlimited Power [David] Bach gets across some complicated stuff: how to organize a portfolio, keep the taxman at bay, invest in yourself, and earn more, all of which makes this book one of the best overall. Working WomanFight For Your MoneYAlso by David BachSmart Women finish RichSmart Couples finish RichThe finish rich WorkbookThe finish rich DictionaryThe Automatic MillionaireThe Automatic Millionaire WorkbookStart late , finish RichThe Automatic Millionaire HomeownerGo Green, Live RichFight For Your MoneYHow to Stop GettinG Ripped off and SAve A FoRTuneDAviD BAchBRoADWAy BookSnew yorkpublished by broadway booksCopyright 2009 by David Bach. All Rights ReservedNo part of this book may be reproduced or transmitted in any form or by any means, elec-tronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission from the publisher.

6 For information, ad-dress Broadway Books, a division of Random House, Automatic Millionaire Homeowner , The Automatic Millionaire , The Latte Factor, Smart Women finish rich , Smart Couples finish rich are registered trademarks of FinishRich, in the United States by Broadway Books, an imprint of The Doubleday Broadway Publishing Group, a division of Random House, Inc., New books and its logo, a letter B bisected on the diagonal, are trademarks of Random House, book is designed to provide accurate and authoritative information on the subject of personal finances. While all of the stories and anecdotes described in the book are based on true experiences, most of the names are pseudonyms, and some situations have been changed slightly for educational purposes and to protect each individual s privacy. It is sold with the understanding that neither the Author nor the Publisher is engaged in rendering legal, accounting, or other professional services by publishing this book.

7 As each individual situation is unique, questions relevant to personal finances and specific to the individual should be addressed to an appropriate professional to ensure that the situation has been evaluated carefully and appropriately. The Author and Publisher specifically disclaim any liability, loss, or risk which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this design by Ralph Fowler / rlf designLibrary of Congress Cataloging-in-Publication DataBach, for your money : how to stop getting ripped off and save a fortune / David Bach. 1st Finance, Personal. I. Title. dc222008045401 ISBN 978-0-7679-2984-4printed in the united states of america10 9 8 7 6 5 4 3 2 1 First EditionTo my son, Jack Bach you are the best thing that ever happened in my love you more than the whole world !

8 ContentsFight For your Money A Z ix Introduction 1 AutomobilesBuying a new Car 13 Buying a used Car 24 Car Leasing 36 Car Rentals 47 Car Repairs 58 BankingBank Accounts 67 Debit Cards 80creditCredit Cards 89 Credit Scores 104 Payday Loans 114 Identity Theft 119 Family MattersDivorce 131 Life Insurance 140estate Planning 148 Saving for College 157healthHealth Insurance 167 Hospital Bills 177 Health Club Memberships 185homeBuying a Home 193 Home Mortgages 205 Home Building and Remodeling 224 Home-Based Business opportunities 234retirement401(k) Plans 241 IRAs 255 Pension Plans 264 Social Security 272 Annuities 279shoppingonline Shopping and Auctions 289 Appliance Protection Plans/ extended Warranties 296 Gift Cards 302 Rebate offers 307taxesTax Preparation 313 Refund Anticipation Loans 321 Charitable Giving 324tv and PhoneCable and Satellite Tv 331 Cell Phone Plans 338 Residential Phone Service 353 Bundled-Service Plans 363travelAir Travel 367 Hotels 375 Travel Packages 382 Conclusion 387 Appendix.

9 Fight for your Money Toolkit 389 Sources 396 Acknowledgments 411 Index 414 Fight For Your MoneY A ZAir Travel 367 Annuities 279 Appliance Protection Plans/extended Warranties 296 Bank Accounts 67 Bundled-Service Plans 363 Buying a Home 193 Buying a new Car 13 Buying a used Car 24 Cable and Satellite Tv 331 Car Leasing 36 Car Rentals 47 Car Repairs 58 Cell Phone Plans 338 Charitable Giving 324 Credit Cards 89 Credit Scores 104 Debit Cards 80 Divorce 131estate Planning 148401(k) Plans 241 Gift Cards 302 Health Club Memberships 185 Health Insurance 167 Home-Based Business opportunities 234 Home Building and Remodeling 224 Home Mortgages 205 Hospital Bills 177 Hotels 375 Identity Theft 119 IRAs 255 Life Insurance 140online Shopping and Auctions 289 Payday Loans 114 Pension Plans 264 Rebate offers 307 Refund Anticipation Loans 321 Residential Phone Service 353 Saving for College 157 Social Security 272 Tax Preparation 313 Travel Packages 382Do you feel like you re being ripped off.

10 Or scammed every time you open your wallet, pay a bill, read your email, or take a trip? You re not alone!What if I told you that there are simple things you can do RIGHT NOW to get a better deal on almost everything you pay for and if you devoted just a few hours to a handful of them, you might be able to cut your overall expenses by 10 to 20 percent this year?What if I told you that by using this book and spending just a few hours of your time learning how the major corporations take advantage of you (legally), you could put hundreds, if not thousands of dollars back in your pocket?What if I told you that you don t have to be the victim of a bad deal, rip-off or scam ever again?Would I have your attention?Spend a few hours with me and use the tools inside this book as your guide. Let me share with you the secrets that big businesses don t want you to know.