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Survival Guide to Personal Financial Management

Robert J. Ludwiczak

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ISBN 10: 1878398962 / ISBN 13: 9781878398963
Published by Blue Note Books, 2009
Condition: Very Good Soft cover
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Bibliographic Details

Title: Survival Guide to Personal Financial ...

Publisher: Blue Note Books

Publication Date: 2009

Binding: Paperback

Book Condition:Very Good

About this title


The longer we live the more we begin to realize that economic uncertainty is a fact of life for which we must prepare. Unfortunately, many of us spend well beyond our means, with the expectation that we will have the earning power to support that spending well into the future. 2008 was an eye opener for our nation as a financial crisis set in. We saw many individuals face employment layoffs, business closings, home foreclosures at an all time high, and losses in the stock market all but destroying many individual retirement accounts. This book is intended to be a financial planning guide for short, medium and long term goals, along with practical hints on how to achieve them. It may not be the worst thing that happens in your life, but outliving your money has to be pretty close. Unfortunately, nowhere in America is financial education being taught.....not in our grade schools, high schools, colleges, military, or even from our own parents. No wonder Americans are accumulating debt at a historic rate, both individually and as a nation. What we learn or don't learn usually comes from one of these traditional forums. Now is not the time for us to live in financial ignorance, pass our bad habits of managing our money down to our children and/or condone the financial incompetence of government leaders at all levels. We should not let our past failures determine our financial future. Now is the time to circle the financial wagons of ineptness at all levels and break the cycle of financial distress.

About the Author:

Robert J. Ludwiczak attended Youngstown State University, obtained a BSBA from Emporia State Teachers College and a MSA from Central Michigan University. He is the founder of Suntree Consultants and the Cre8tive Solutions Group, both of which are involved in custom training and government relations. He is an adjunct faculty member at both undergraduate and graduate universities. He has taught personal finance at Embry-Riddle Aeronautical University, for Brevard Community College under contract for military and non-military personnel at Patrick Air Force Base and held a seminar for Navy Submariners at Cape Canaveral, Florida. He has served as a government consultant to two companies involved in some form of personal financial literacy/credit counseling. Robert's professional career included serving as Chief-of-Staff to two U.S. Congressmen and one U.S. Senator. He had a Presidential appointment under President Reagan and served as an Official Observer to the Conference on Security and Cooperation in Europe. He was an Associate Vice President for International Education/Assistant to the District President of a Community College and served as the Executive Director of 100 Community Colleges in North America and eleven overseas doing contract training. He served as a buyer, purchasing manager, and purchasing director for three corporations. He also taught high school and was an assistant football/head baseball coach.

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