Clark Howard's Living Large for the Long Haul: by Clark Howard, Mark Meltzer, Theo Thimou

By Clark Howard, Mark Meltzer, Theo Thimou

The follow-up to Clark Howard's number one big apple instances bestseller, residing huge in Lean occasions, bargains no-nonsense monetary information for reaching lifelong prosperity

Americans from all walks of existence are nonetheless feeling the roller-coaster results of the nice Recession. for plenty of, domestic values are nonetheless too low and unemployment continues to be too excessive. Others have prospered regardless of the ups and downs. In Clark Howard's dwelling huge for the lengthy Haul, the well known broadcaster examines our new paradigm during the eyes of these whose monetary portfolios have overwhelmed the chances, and people whose monetary state of affairs has long gone astray. via those attention-grabbing own debts, readers discover notable possibilities and shrewdpermanent judgements, discovering benefits in bleak occasions for lasting payoffs ultimately.

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Additional info for Clark Howard's Living Large for the Long Haul: Consumer-Tested Ways to Overhaul Your Finances, Increase Your Savings, and Get Your Life Back on Track

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They have no rational basis for making an investment and jump in without an exit strategy, or they plan to get out when a profit has been made, if one is ever made. The investment may go up, but since no plan is in place, the investment ultimately turns sour and losses ensue. As investors, we must resist the urge to participate in such schemes and steer clear of these money-losing opportunities. Our own behavior is often the culprit, and we need to overcome our natural instincts to participate in less-than-rational investment schemes, or at least we should have an exit strategy if the decision is made to participate.

This may be interpreted to mean that “normal” people may behave irrationally—but the reality is that almost no one (actually I will go so far as to say absolutely no one) behaves perfectly rationally. Fundamentally, behavioral finance is about understanding how people make decisions, both individually and collectively. By understanding how investors and markets behave, it may be possible to modify or adapt to these behaviors in order to improve economic outcomes. In many instances, knowledge of and integration of behavioral finance may lead to superior results for both advisors and their clients.

In fact, it may not even be the primary driver, as many psychologists believe that the human intellect is actually subservient to human emotion. They contend, therefore, that human behavior is less the product of logic than of subjective impulses, such as fear, love, hate, pleasure, and pain. Humans use their intellect only to achieve or to avoid these emotional outcomes. 2. Perfect Self-Interest. Many studies have shown that people are not perfectly self-interested. If they were, philanthropy would not exist.

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