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The fact is information is power. And, the truth is there's lots
of financial advice available. Unfortunately, it's often either too
confusing or biased. The Seven S.E.C.R.E.T.S. of the Money
Masters cuts through the clutter, clearly presenting the seven
most important questions you must be able to answer before making
any investment decision. The book offers you some of the
information that true money masters know, understand, and use to
their advantage--but that hasn't necessarily been passed along
to the rest of us. Engaging and informative, the book:

* Shines a light on the much broader issues of attaining wealth
and getting your retirement plans back on track

* Offers access to the S.E.C.R.E.T.S. website which
includes additional resources and access to exclusive debt
reduction software

The Seven S.E.C.R.E.T.S. of Money Masters goes where most
personal finance books - and financial advisors - fear
to tread, revealing the S.E.C.R.E.T.S. of Safety, Expense,
Cash Flow, Rate of Return, Economy, Tax Efficiency and (common)
Sense.

ROBERT SHEMIN is a wealth expert for CNN and a frequent guest on national, regional, and local television and radio programs. He has also been featured in over three hundred newspapers and magazines, including BusinessWeek, the Los Angeles Times, the Miami Herald, the New York Post, USA Today, the Wall Street Journal, and Time magazine, among many others. He is the author of ten bestselling books, including his latest, How Come That Idiot's Rich and I'm Not?, a Wall Street Journal and New York Times bestseller.

The fact is information is power. And, the truth is there's lots of financial advice available. Unfortunately, it's often either too confusing or biased. The Seven S.E.C.R.E.T.S. of the Money Masters cuts through the clutter, clearly presenting the seven most important questions you must be able to answer before making any investment decision. The book offers you some of the information that true money masters know, understand, and use to their advantagebut that hasn't necessarily been passed along to the rest of us. Engaging and informative, the book:

• Shines a light on the much broader issues of attaining wealth and getting your retirement plans back on track
• Offers access to the S.E.C.R.E.T.S. website which includes additional resources and access to exclusive debt reduction software

The Seven S.E.C.R.E.T.S. of Money Masters goes where most personal finance books and financial advisors fear to tread, revealing the S.E.C.R.E.T.S. of Safety, Expense, Cash Flow, Rate of Return, Economy, Tax Efficiency and (common) Sense.

Preface xi

Acknowledgments xvii

Introduction The Skinny Cow 1

Chapter 1 Michael's Very Bad Day 7

Secret 1 Safety 15

Secret 2 Expense 45

Secret 3 Cash Flow 77

Secret 4 Rate of Return 97

Secret 5 Economy 119

Secret 6 Tax Efficiency 135

Secret 7 Sense 149

Epilogue 159

Appendix A Seven Questions We Should Ask Our Money Managers
161

Appendix B The Seven Biggest Money Mistakes 163

Resources and Recommended Reading 167

About the Authors 171

Index 175