The Key to Solve Your Personal Financial Problems

About the Book

The Key To Solve Your Personal Financial Problems is an easy-to-read 192-page book for the average income earner. It also covers the minimum most high-school, college, and university garduates should know, but don't, about how to maximize the benefits they can derive from the incomes they currently earn or will earn as employees in the near future. The book contains an introduction, six parts, three appendices and a CD containing a few simple spreadsheets.

This six-part book fills the usual gap in the average income earner's background knowledge and normal practice in personal finanacial affaris, especially as they relate to getting ahead and feeling more secure in today's complex society.

After reading this book the reader will be able to make more informed decisions in managing his/her personal finances to build net worth and achieve the dream we all have of becoming financially independent, without experiencing undue stress or deprivation in the process.

The book provides the reader with the key to continuously improve his/her financial circumstances immediately and permanently. It also shows him/her how to use that often maligned and misunderstood tool--The Household Budget--successfully and "without tears" so to speak, within a simple four-part system that's easy to understand and, in particular, requires very little time to use.

About the Author

The author is a graduate of McGill University in Montreal, Quebec where he studied Economics and Business Administration. He taught at the secondary and post-secondary levels for approximately 29 years and now works as a self-employed financial advisor. During 13 of those years as a teacher in the 1970s and 1980s, he was also the President of a private real estate management company and piloted the growth of its assets from an initial $130,000 to over $5.6 million. While occupying that position, he used the tools of financial management to cope with the demands of operating a business and building its net worth.

He has experienced first hand the challenge of overcoming financial losses and rebuilding personal finances from practically $0 net worth. He has also been able to use this personal experience to help many families cope successfully with depressing financial situations and gradually rebuild their net worth. With his guidance, they were able to buy or make plans to buy their own homes, build up their retirement income sources, and make financial provisions for the post-secondary education of their children.

As a financial advisor, he places the emphasis on actually showing average income families how to manage their incomes to solve financial problems and achieve their desired goals. He uses a simple system that's built around a few powerful principles and routines. This system is the focus of this book which, from the author's personal experience in good and bad times, provides the key the average income earner really needs to achieve his or her financial goals.