About the Book

"Your Bottom Line: Fifty Steps To Firm Financial Footing" is an easy-to-understand financial guide for people of all ages, income levels, and financial experience. Whether you’re a seasoned investor, or just starting to build your savings, this book will give you the tools and advice you need – some of which may be a surprise.

Written in the clear, “down-to-earth” style that Rick is known for, and based on over 20 years of his legal and financial expertise, this book will provide you with solidly researched financial information and useful, little-known tips that will help you substantially improve your finances, such as:

• The 3 things you should look for whenever you apply for a credit card
• The best way to monitor your credit report for free year–round from all three major credit bureaus
• The first thing you should do before shopping for a new home
• When and how to apply for college financial aid
• How to diversify your portfolio
• What money you should – and should NOT - invest in mutual funds
• The 7 types of tax deductions that people often miss
  

How to take advantage of the "Buy One, Get One Free" E-Book Offer

To get the “Buy one, get one free offer” on the e-book, take the following step:

•  Click on BUY THE BOOK, above or below and follow the directions to purchase a copy of the e-book.

What’s Inside:

The book consists of 50 articles which span areas such as: Saving, Investing And Financial Rules Of Thumb, Credit Issues, Real Estate, Automobiles, Saving And Paying For College, Taxes and Insurance. Sample articles include:

• 401Ks, 403Bs And IRAs- Simplified
• Mutual Funds
• Credit Cards
• Tax Tips
• Do’s And Don’ts Of Buying a Home
• Maximizing Your Home’s Selling Price
• Buying a Vehicle
• Credit Reports
• College Financing Do’s And Don’ts
• Home Equity Loans
• Life Insurance
• Tax Treatment of Refinance Mortgages
• Scholarships, Grants, Work-Study And Financial Aid

Here’s what readers had to say about
Your Bottom Line: Fifty Steps to Firm Financial Footing:

"Too many people do not understand the simple fundamentals of their own money, and that is why we are a nation with very high debt and very little savings; this book is a very good start. Rick Shaffer has made a significant contribution to society with this offering."
                Stephen P. LeDuc, State Representative,
                Commonwealth of Massachusetts

"The real estate chapters are essential for anyone buying a home – not just first-time home buyers. The advice on pricing a home and obtaining a mortgage is especially useful in this unpredictable real estate market. The information is practical and common-sense, with a format that is very easy to read. I plan to recommend the book to anyone considering buying or selling a home."
                Jill Shuman, Boston-area real estate agent

"Rick's book is a must-read for families of all incomes who are planning for college in the future, or facing college costs today."
                Scott Prince, College Financing Expert

"I've talked to so many people about finances and never had any idea what it was all about. It used to be very confusing. [“Your Bottom Line, Fifty Steps To Firm Financial Footing”] could not have explained it any better. This book will be useful to so many people in so many ways for so many years!"
                Stacey S., Oxford, MA (longtime listener to "The Money Show")

"Not certain how to research, finance and negotiate the best deal on your next car or truck? Well, before you even think about purchasing or leasing a car or truck, read Rick Shaffer’s “Your Bottom Line: Fifty Steps to Firm Financial Footing."
                John Lawlor, Auto Expert for WCVB’s "Chronicle,"
                WTKK-FM’s "The Money Show," and New England Cable News.