The Money in You!: Discover Your Financial Personality and Live the Millionaire's Life [NOOK Book]


En ¡El Dinero que Hay en Ti! la destacada experta Julie Stav te enseña a descubrir tu verdadera personalidad financiera, y te muestra cómo usar tus sentimientos, tus temores y tu autoestima para lograr una vida de riqueza monetaria y espiritual

"Conócete a ti mismo", dijo Sócrates. Y podríamos añadir, " . . . para que conozcas cómo emplear tu dinero". Cuando logramos entendernos a nosotros mismos y comprender cómo nos relacionamos con el dinero, vamos por buen camino hacia la tranquilidad económica y la ...

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The Money in You!: Discover Your Financial Personality and Live the Millionaire's Life

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En ¡El Dinero que Hay en Ti! la destacada experta Julie Stav te enseña a descubrir tu verdadera personalidad financiera, y te muestra cómo usar tus sentimientos, tus temores y tu autoestima para lograr una vida de riqueza monetaria y espiritual

"Conócete a ti mismo", dijo Sócrates. Y podríamos añadir, " . . . para que conozcas cómo emplear tu dinero". Cuando logramos entendernos a nosotros mismos y comprender cómo nos relacionamos con el dinero, vamos por buen camino hacia la tranquilidad económica y la independencia financiera. El dinero no es la vida ni compra la felicidad . . . ¡pero nos acerca más a ella!

En ¡El Dinero Que Hay en Ti! Julie nos presenta cinco tipos de personalidades financieras, cada una con ventajas y desventajas en lo que se refiere a la manera en que manejan su dinero. Con su estilo divertido, informativo y fácil de comprender, Julie te ayudará a descubrir quién eres realmente y cómo poner a trabajar tu personalidad financiera específica para que logres una vida sin preocupaciones económicas. ¡El Dinero Que Hay en Ti! no sólo te enseñará a valerte de esas características personales en tu beneficio, sino también a establecer relaciones positivas con aquéllos que se ven afectados por tus decisiones—hijos, cónyuge, padres y amigos—y que influyen en las tuyas. Sólo entonces podrás alcanzar tus metas, y vivir la vida que siempre has soñado.

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Editorial Reviews

Publishers Weekly
For most working adults, the perpetual state of one's bank account is a major clue to one's financial "personality," so this book may not offer discovery so much as affirmation. Written by Cuban-born financial guru Stav, who became a bestselling author after hosting a PBS series based on her investing book Get Your Share, this guide introduces financial personality types like the "diva," the "do-gooder," the "diligent investor," the "Dionysian" and the "dependable hoarder." After exploring the advantages and drawbacks of each type and providing coping strategies, Stav delves into the roles that finances can play in relationships with kids, friends and one's spouse. Final chapters look at the fear of success and the "millionaire personality." Although the book provides some decent if basic financial advice, it falters in its use of oversimplified financial types. This is perhaps most evident with the organic food-buying, charitable-giving "do-gooder," who the author suggests has no interest in owning a house or buying life insurance and is constantly taken advantage of by friends. Even worse is Stav's condescending attitude toward these values. While her advice is somewhat helpful, the perpetuating of such generalizations is not. (July 1) Copyright 2006 Reed Business Information.
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Product Details

  • ISBN-13: 9780061986925
  • Publisher: HarperCollins Publishers
  • Publication date: 11/17/2009
  • Format: eBook
  • Pages: 240
  • File size: 516 KB

Meet the Author

Julie Stav is a financial planner, broker, bestselling author, and host of an acclaimed daily call-in radio show. Julie has dedicated her career to the education and empowerment of millions of Americans. She previously authored two New York Times bestsellers, Get Your Share and Fund Your Future. Both have been developed into successful PBS specials on personal finance.

La planificadora financiera Julie Stav se convirtió en un nombre familiar en todo el país cuando presentó su primer programa especial en la cadena de televisión PBS para hablar de su libro, Obtenga Su Porción, incluido en la lista de éxitos de venta del New York Times. También estuvo en esa lista de triunfadores su segundo libro, Invierte en Tu Futuro. Actualmente, Julie llega a diario a personas de habla hispana de todo el país con su programa en radiocadena Univision, Tu Dinero con Julie Stav, donde sus consejos financieros han enriquecido las vidas de millones. Sus segmentos semanales en el Noticiero Univision, sus presentaciones en populares programas nacionales como The View—junto a Barbara Walters—y Despierta América, y su revista Tu Dinero, la han convertido en la experta financiera hispana más popular de Estados Unidos. Julie vive en Calabasas, California, con su esposo y sus dos hijos.

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Read an Excerpt

The Money in You!
Discover Your Financial Personality and Live the Millionaire's Life

Chapter One

The Diva

Once upon a time, there lived a Diva . . .
Rings from Cartier, dresses by Dior, she dips into her coffer,
Always consuming quite eagerly everything they deign to offer.
But it could not last, this reign of debt, this tyranny of "More!"
Luckily she found this book&#8212salvation is in store. . . .

Jill is a successful advertising executive. Poised and well-read, she has fabulous friends in high places, boundless ambition, and a knack for working a room. Jill navigates her day with the easy confidence of someone who knows her opinion matters.

At the end of a long day, she settled down in the backseat of the taxi taking her to her studio apartment, and mentally replayed the accomplishments of that afternoon. She closed her eyes and allowed herself to savor the memory of her well-deserved praise following a meeting with the creative department.

The next day's presentation looked very promising indeed. Jill planned to land the largest account ever for her company, and she couldn't help but feel giddy with pride as she imagined the respect and recognition the deal would bring her&#8212not to mention a delightful bonus! Jill's success was a result of the acumen she displayed while assembling her winning team, coupled with her meticulous, yet surely indispensable, supervision. It was hard to believe that it had taken almost two years, but the probable outcome of the next day's presentation would make it all worth it.

As her taxi bumped along the busy commercialstreets, an object of exquisite beauty was illuminated against the gray of the cityscape. Jill's eyes opened wide, fixing upon an emaciated mannequin in the highly stylized window of a luxury department store. "Stop, please!" she cried, hurling some money at the confused driver. "I'll get out here!"

As Jill strode across the noisy intersection and closed in on the building, her reflection emerged in the window&#8212appearing to wear that gorgeous designer suit. Jill gasped. Every stitch screamed success, power, and self-assurance&#8212exactly the image she was determined to project in tomorrow's meeting.

Without hesitation, Jill sprinted into the store and straight up to the elegant department where her prize awaited. She ran her nervous fingers through the neatly arranged row of hangers. Yay! They had her size! It was perfect! Anna Wintour would bestow her blessings, Coco Chanel herself would coo. . . .

Just as Jill followed the saleslady from the dressing room to the register, a thought fleetingly crossed her mind. The suit was magnificent, envy-making&#8212perhaps the most perfect sartorial creation she had ever beheld, but it was incredibly expensive. Last time she had hastily spent that much money, Jill had felt very guilty, almost regretful, when the credit card bill had arrived.

"But I deserve it!"

Whoops. Jill panicked; did she say that out loud? A stealthy scan of the room offered none of the baffled or haughty stares that might follow a sudden outburst in this pristine setting. "I work long and hard hours. And besides, my bonus will almost, just about, kind of cover it," she rationalized under her breath&#8212to no one in particular. Perhaps it was to her penny-pinching mother, who would be appalled; perhaps it was to the coffee boy, whom she stiffed on a tip every morning; or, even worse, the student-loan officer she had been artfully dodging for years. Jill chose to ignore these nettlesome phantoms, thrust her card over the counter, and, with her Montblanc pen, signed her sentence for the next six years.

Will the Real Jill Please Stand Up?

Jill may be well dressed, but she's definitely not very well-heeled when it comes to her money. Like many professional women, she has discovered her earning power, but not her money power. What is the difference? Jill's perfectly generous salary demonstrates that she has paid her dues and is swiftly ascending to the apex of her career. But she remains a prisoner of her labor. She is, like most of us, accustomed to having to work for a living, but has yet to discover her money's potential to function as a self-perpetuating machine.

Jill's personality is akin to a freshly laid farm egg. Stable and strong on the outside, but crack it the wrong way, and it can be desperately fragile within. Although none of us falls exclusively under any of the financial personality types I'll be discussing in the book, studies have shown that when we let our guard down and go on automatic pilot in our dealings with money, we tend to follow behavioral patterns set during childhood.

The motivation behind Jill's extravagance rests in her feelings of entitlement. She deserved that suit to fill the void that was left by months of sacrifice, of relentless efforts to succeed without ever taking a breather. It's easy to trace the origins of this line of thinking. Consider the slogans used by successful advertisers: "You deserve a break today . . ." or "It costs a little more, but I'm worth it!"

Whether for chocolate or hair color, a designer handbag or a Caribbean cruise, millions of dollars are spent on research, testing, and promotion by consumer product marketers to attract the kind of emotional spenders who may just be in need of a good night's sleep a great deal more than a quick-fix purchase, which will only temporarily justify their previous deprivation.

The Now

Once money reaches an emotional spender's hands, it's gone, so the first step toward building a nest egg should be to fund it before she receives it. Payroll deduction programs, 401(k) retirement savings, and automatic deposits were invented for the Diva.

Since she rarely does things without a purpose, the best way to motivate her to save is by first establishing an ambition for each account. A lavish vacation, a down payment for a new car, or a fancy stereo system can be motivating enough to set this personality type in motion. It's much more exciting to save when you know what you're saving for. . . .

The Money in You!
Discover Your Financial Personality and Live the Millionaire's Life
. Copyright © by Julie Stav. Reprinted by permission of HarperCollins Publishers, Inc. All rights reserved. Available now wherever books are sold.
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