How to Speak Money: The Language and Knowledge You Need Now



"If you've never had money . . .and now you have money . . .and you want to keep your money . . .and have your money bring you more money . . .then you need a book like this to change your history with money—Ali Velshi and Christine Romans' How to Speak Money. This book will give you the knowledge to help change your financial future."

"When it comes to keeping track of your hard-earned money, Christine ...

See more details below
Other sellers (Hardcover)
  • All (43) from $1.99   
  • New (9) from $7.63   
  • Used (34) from $1.99   
How to Speak Money: The Language and Knowledge You Need Now

Available on NOOK devices and apps  
  • NOOK Devices
  • Samsung Galaxy Tab 4 NOOK
  • NOOK HD/HD+ Tablet
  • NOOK
  • NOOK Color
  • NOOK Tablet
  • Tablet/Phone
  • NOOK for Windows 8 Tablet
  • NOOK for iOS
  • NOOK for Android
  • NOOK Kids for iPad
  • PC/Mac
  • NOOK for Windows 8
  • NOOK for PC
  • NOOK for Mac
  • NOOK for Web

Want a NOOK? Explore Now

NOOK Book (eBook)
$13.99 price
(Save 43%)$24.95 List Price



"If you've never had money . . .and now you have money . . .and you want to keep your money . . .and have your money bring you more money . . .then you need a book like this to change your history with money—Ali Velshi and Christine Romans' How to Speak Money. This book will give you the knowledge to help change your financial future."

"When it comes to keeping track of your hard-earned money, Christine and Aliwill set you straight. Listen y'all, I was a late bloomer when it came to beinga success. It wasn't always easy but with patience and hard work my family and I made it. If you want to get an edge in life, read this book. Learn what you can from the folks who will guide you on the right path."
Paula Deen, Celebrity Cook and Entrepreneur

"Ali Velshi and Christine Romans have written a book you need to keep by your bedside. Read it every night. It will show you how foolish and lax you've beenwith your finances, and how to maximize your financial potential and makemore money."
Gene Simmons, CoFounder, KISS; Star of A&E's Gene Simmons Family Jewels

"This must-read book, coauthored by my good friend Ali Velshi, is for everyone who is interested in finance, investment strategies, and planning for their financial future."
Dikembe Mutombo, former NBA basketball player

Read More Show Less

Editorial Reviews

From Barnes & Noble

According to the authors, the real international language isn't English, Chinese, or Spanish; it's money and learning to speak that universal language is essential to understanding everything from your kids' college finances to mastering the intricacies of the global debt crisis. In How to Speak Money, the authors help you gain fluency in the lingua franca of business, politics, and household budgeting. (P.S. Readers of both genders will benefit from the book's discussion of the difference between male and female spending and investing.)

Read More Show Less

Product Details

  • ISBN-13: 9781118114957
  • Publisher: Wiley
  • Publication date: 11/8/2011
  • Edition number: 1
  • Pages: 190
  • Sales rank: 1,017,601
  • Product dimensions: 6.10 (w) x 9.10 (h) x 1.00 (d)

Meet the Author

Ali Velshi is CNN's Chief Business Correspondent and host of Your Money. His in-depth reporting on the auto industry was honored with a National Headliner Award for Business & Consumer reporting in 2010. He anchored CNN's coverage of the attempted terror attack on a flight into Detroit, for which CNN was nominated for a 2010 Emmy. He is the author of Gimme My Money Back: Your Guide to Beating the Financial Crisis.

Christine Romans is the host of Your Bottom Line, CNN's Saturday morningpersonal finance and lifestyle program and the money reporter for CNN's AmericanMorning. Her reports are carried on CNN's platforms worldwide. Among her awards is an Emmy for her reporting on outsourcing American jobs. From Timothy Geithner and Venus Williams to Tony Hawk and Russell Simmons, Romans interviews a diverse range of public personalities on financialissues facing Americans. She is the author of Smart Is the New Rich (Wiley), based on her experience covering the financial crisis.

Read More Show Less

Table of Contents

Acknowledgments xi

Introduction xiii

Chapter 1 The Big Picture 1

Money Is Everywhere 2

Understanding Money 4

Where Are You? 5

Getting to Where You Want to Go 6

Getting Started 7

The Key to Wealth: Live Below Your Means 9

Change with the Times 10

It’s Up to You 11

Different Strokes, Different Folks 12

Making Your Plan 12

Chapter 2 We Fight About Money, Too 15

A Failure to Communicate 17

How Do You Have a Difficult Conversation? 18

Chapter 3 Gendernomics 27

Shifting Roles 29

Are You Sure We’re Talking about the Same Thing? 30

Why Do Smart People Buy Stupid Things? 32

Women and Investing 33

Gendernomics in the Workplace 35

Chapter 4 Speaking Money around the World 39

A Brief History 40

Climbing Up the Ladder 42

A Fish Story 44

Globalization: Good or Bad? 45

What Goes Around Comes Around 48

Who’s Zooming Who? 49

Chapter 5 Speaking Money at Work 53

Speak STEM 55

Dirty Jobs 57

Green Jobs 58

Women and Work 60

Getting a Job 61

The Long-Term Unemployed 65

You Wanna Start Something? 67

Not-So-Happy Campers 68

Chapter 6 Speaking Money on Campus 71

High School Then, College Today 72

A College Degree Never Hurt Anyone 74

The Future Starts in Grade School 75

Education for Life 76

How Should You Look at College? 77

Thinking of Changing Fields? 81

Chapter 7 Speaking Money in the Market 87

Cash Equivalents 89

Let’s Speak Bonds 91

Price versus Yield 92

The World of Stocks 94

International Investing 95

Stepping into the Market 97

Mutual Funds 98

Index Funds 99

Exchange Traded Funds (ETFs) 102

Do Your Homework! 102

Chapter 8 Speaking Money to Investment Principles 107

Principle 1: There Is a Direct Relationship between Risk and Return 107

Principle 2: Time Is Your Friend 114

Principle 3: Diversification Lowers Your Risk and Improves Your Return 114

Asset Allocation: The Key to Results 116

Chapter 9 Speaking Money in Your Own Portfolio 119

Your Investment Questionnaire 120

Your Model Portfolios 125

The Importance of Rebalancing 128

Financial Advisors—Yes or No? 129

Chapter 10 Speaking Money on the Home Front 135

Buying a Home 138

Rent versus Buy: One Man’s Story 145

What If You’re Selling? 146

When Is the Best Time to Buy? 149

Chapter 11 Speaking Money on Budget 153

Software Makes Budgeting Easier 155

Here Comes the Rain 156

What Does It Cost to Live? 157

Getting Out of Debt 160

Chapter 12 Speaking Money in Retirement 163

The Historical Perspective 164

Retirement Is Expensive 166

Programs to Fund Your Retirement 168

Play a Waiting Game 171

Social Security: The Nation’s Safety Net 173

Summing It Up 174

Living Your Golden Years 175

Afterword 177

Bibliography 179

About the Authors 181

Index 185

Read More Show Less

Customer Reviews

Be the first to write a review
( 0 )
Rating Distribution

5 Star


4 Star


3 Star


2 Star


1 Star


Your Rating:

Your Name: Create a Pen Name or

Barnes & Review Rules

Our reader reviews allow you to share your comments on titles you liked, or didn't, with others. By submitting an online review, you are representing to Barnes & that all information contained in your review is original and accurate in all respects, and that the submission of such content by you and the posting of such content by Barnes & does not and will not violate the rights of any third party. Please follow the rules below to help ensure that your review can be posted.

Reviews by Our Customers Under the Age of 13

We highly value and respect everyone's opinion concerning the titles we offer. However, we cannot allow persons under the age of 13 to have accounts at or to post customer reviews. Please see our Terms of Use for more details.

What to exclude from your review:

Please do not write about reviews, commentary, or information posted on the product page. If you see any errors in the information on the product page, please send us an email.

Reviews should not contain any of the following:

  • - HTML tags, profanity, obscenities, vulgarities, or comments that defame anyone
  • - Time-sensitive information such as tour dates, signings, lectures, etc.
  • - Single-word reviews. Other people will read your review to discover why you liked or didn't like the title. Be descriptive.
  • - Comments focusing on the author or that may ruin the ending for others
  • - Phone numbers, addresses, URLs
  • - Pricing and availability information or alternative ordering information
  • - Advertisements or commercial solicitation


  • - By submitting a review, you grant to Barnes & and its sublicensees the royalty-free, perpetual, irrevocable right and license to use the review in accordance with the Barnes & Terms of Use.
  • - Barnes & reserves the right not to post any review -- particularly those that do not follow the terms and conditions of these Rules. Barnes & also reserves the right to remove any review at any time without notice.
  • - See Terms of Use for other conditions and disclaimers.
Search for Products You'd Like to Recommend

Recommend other products that relate to your review. Just search for them below and share!

Create a Pen Name

Your Pen Name is your unique identity on It will appear on the reviews you write and other website activities. Your Pen Name cannot be edited, changed or deleted once submitted.

Your Pen Name can be any combination of alphanumeric characters (plus - and _), and must be at least two characters long.

Continue Anonymously

    If you find inappropriate content, please report it to Barnes & Noble
    Why is this product inappropriate?
    Comments (optional)