Environmental Management – Global Perspective by Vincent Sudoi

The Jonathan Clements Money Guide 2015 is the must-have book for Americans concerned about their financial future. Written by the highly regarded columnist for The Wall Street Journal, this annually updated guide delivers punchy, plain English answers to your most pressing financial questions. It was named money-management book of the year by the Institute for Financial Literacy and won a silver medal in the Axiom Business Book Awards. Here’s what you’ll find in this year’s Money Guide:

• Help with retirement, college, home buying, estate planning and more
• Indispensable information delivered in short, easy-to-understand sections
• Simple strategies to improve every aspect of your financial life
• Clements’s outspoken views on personal finance
• The latest facts and figures on the economy and markets
• Tax information for 2014 and 2015
• Intriguing statistics on how the typical American is faring financially

“It’s hard to imagine a finer place to begin your search for financial peace of mind than with Jonathan Clements Money Guide 2015. Yes, it’s long. But so is the list of financial challenges faced by American families. Don’t be intimidated. He’s made it easy to navigate through these challenges, identify those where you need help, and successfully deal with them. Don’t just scan this fine, readable, and insightful guide. Keep it by your desk and return to it as your circumstances change, as financial markets change, and as the world turns.”—John C. Bogle, founder, The Vanguard Group

“A comprehensive financial guide ranging from navigating health insurance alternatives to forming sensible investment portfolios. Clements is a first-rate financial writer who is a genius at making sophisticated advice accessible to everyone and a delight to read.”—Burton G. Malkiel, author of A Random Walk Down Wall Street

“Since the early 1990s, Jonathan Clements’s columns taught his readers, profited them, and made them smile. Trouble was, you needed to have read all his Wall Street Journal articles. Until now, that is. His Money Guide wraps this bounty, and then some, into a tidy package, destined to be enjoyed and referred to over and over by readers for decades to come.”—William J. Bernstein, author of The Investor’s Manifesto

“How do you get nearly 30 years of personal-finance wisdom and advice in an engaging, entertaining and easy-to-use format? Keep Jonathan Clements’s Money Guide on your desk or tablet for instant answers to your essential money questions.”—Consuelo Mack, anchor, Consuelo Mack WealthTrack

“Would you like to have a friend who knew a lot and would share the straight scoop with you on any investment topic at any time in clear language, with candor and a wry sense of humor? Well, here it is. What a break!”—Charles D. Ellis, author of What It Takes and Winning the Loser’s Game

“As someone who has read just about every personal-finance book ever published, I can honestly say this is the best money manual ever written—period! Jonathan Clements’s Money Guide offers readers a host of brilliant insights on how to grow their money. It’s required reading for anyone striving for financial independence.”—Allan Roth, author of How a Second Grader Beats Wall Street