Cecily von Ziegesar · 234 pages
Rating: (14.4K votes)
“It was so typical. Whenever Blair did anything nice for someone else, she usually regretted it.
Which kind of explained why she was such a bitch most of the time.”
― Cecily von Ziegesar, quote from Because I'm Worth It
“You know when you see a gorgeous boy on the street and you say to your friend, "Look at him!" and then your friend makes a face like, ugly? We all have such totally varied tastes that someone is going to look at you and think, yum-yum dee-lish, no matter what you think you look like. You just have to learn to see what they see. ”
― Cecily von Ziegesar, quote from Because I'm Worth It
“I feel something vibrating and I really hope it's your phone." Serana told Dan, who blushed.”
― Cecily von Ziegesar, quote from Because I'm Worth It
“Don't fucking make judgments about something you know nothing about.”
― Cecily von Ziegesar, quote from Because I'm Worth It
“May your Valentine’s Day be filled with adoration, pampering, and a pair of gorgeous, tiny-heeled Jimmy Choo sandals that are completely useless in this weather. Just remember: You are totally worth it.”
― Cecily von Ziegesar, quote from Because I'm Worth It
“I'll be here when you get back.”
― Ally Carter, quote from Perfect Scoundrels
“What is more important for us, at an elemental level, than the control, the owning and operation, of our own physical selves? And yet it is so automatic, so familiar, we never give it a thought.”
― Oliver Sacks, quote from The Man Who Mistook His Wife for a Hat and Other Clinical Tales
“That's why literature is so fascinating. It's always up for interpretation, and could be a hundred different things to a hundred different people. It's never the same thing twice.”
― Sara Raasch, quote from Snow Like Ashes
“Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.”
― Dave Ramsey, quote from The Total Money Makeover: A Proven Plan for Financial Fitness
“History has proven that a well-trained individual, with nothing but a rock, has a better chance of survival than a novice with the latest technological marvel.”
― Max Brooks, quote from The Zombie Survival Guide: Complete Protection from the Living Dead
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