Index

AARP, 116

Abraham, Jay, 237–240

Advertising. See Marketing

Allen, Robert, ix

Alpine Realty Income and Growth Funds, 102

American Century Mutual Funds, 103

Analysts, stock market, 119–123, 129

Anderson, Jack, 2, 205–207

Assets, leveraging, 79–81, 167–168

Bankruptcy laws, 96–99

Baybak, Michael, 234

Baywatch (TV show), 157

Beal, David, 239

Bear markets, 121, 126, 132, 179, 203

Bennett, Bob, 13

Bennett, Wallace, 5

Bhopal (India) disaster, 123

Biweekly mortgage plans, 92–93

Blackout of 2003, 157–158

Bloomberg (TV), 121–122

Bonds, 60–62, 67–68, 102–103, 203

Bradley, Bill, 114

Brigham Young University (BYU), 6

Brokers, stock market, 119–123

Buffett, Warren, 122

Bush, George W., 115, 169–170, 246–247

Business plans, 196, 225

Business Week, 114

Canfield, Jack, 239

Capital gains taxes, 86, 128, 217–218

Capitalism, 205–222, 246–249

Carter, Jimmy, 3, 15, 160, 170, 247

Charlie Rose (TV show), 3

Chemical Bank, 160

Chicken Soup For the Soul (Hansen and Canfield), 239

Clinton, Bill, 29, 75, 78, 112, 247

CNBC (TV), 121–122, 145

Compound interest, 53–71, 78

Cook, Jim, 161

Corporate shell, defined, 218

Counseling, debt-reduction, 86–89, 95–96

Credit cards, 60, 65, 78–79. See also Debt

Credit rating, 96–99

Crossfire (TV show), 3

Daschle, Tom, 247

Debt:

economic impact of, 73–76

liquidating, 84–100

managing, 76–83

and wealth building, 33, 166–168

Deflation, 202–203. See also Inflation

Depressions, economic:

Crash of 1929, 149–151, 178

hedges against, 202–203

impact of debt on, 74–76, 77

impact on author, 4

as opportunities, 199–201

Deupree, Richard, 178

Dinah Shore (TV show), 3

Dines, James, 120–121, 151

Direct-mail marketing, 174–177, 234

Disaster preparedness, 153–162

Disinflation, defined, 138

Diversification, 103, 146–147

Donahue (TV show), 3

Dot-com bubble, 127–129, 145

Dow Jones, 32, 131, 132

Economic theory, 135–142, 246

Edison, Thomas, 183, 190

Einstein, Albert, 54

Enron, 76, 146–147

Entrepreneurs, 185–197, 226–228, 242

Equity Office funds, 103

Failure, lessons of, 173–187, 224, 228

Famine and Survival in America (Ruff), 10

Fatherhood, 45–49

Federal Bankruptcy Code, 96–97

Federal Reserve, 136, 141

Felt, Carl, 69

Felt, Kay, 6–7. See also Ruff, Kay

FICA taxes, 107–113, 115

Fiddler on the Roof, 26

Fidelity Mortgage Securities Funds, 102

Financial security. See Prosperity

Food stash, emergency, 154–158, 252

Forecasting, economic, 31–32

Foreign currencies, 139

401(k)s, 62, 68

Free the Eagle, 11–12, 14, 174, 197

Gates, Bill, 54, 56, 167, 208, 215

General Electric, 190

Gods Must Be Crazy, The (movie), 182

Gold:

dealers, 252, 253–254

emergency stash, 154, 159–162

as investment, 135–142, 201–202, 245

Good Morning America (TV show), 3

Google.com, 214

Gorbachev, Mikhail, 2, 12, 205

Gore, Al, 109, 115

Government securities. See Treasuries

Great Depression. See Depressions

Habitat for Humanity, 170

Hansen, Mark Victor, 239

Havel, Václav, 2

Hill, Napoleon, 39, 192

Hi-Q, 183, 229

Home equity loans, 85, 94–96

Howard, George S., 6

Howard Ruff Core Package, 161–162

Howard Ruff Sings (album), 3

How to Get the Most Out of Everything You've Got (Abraham), 239–240

How to Prepare for the Coming Crash (Preston), 9–10

How to Prosper During the Coming Bad Years (Ruff), ix, 11–13, 135, 173

IBM, 194, 234

Income, capitalizing, 208–211

Inflation, 135–142, 201–202

Insurance, 67, 153–162

Interest rates, 203, 245–246

International bond funds, 102

Intrinsic value, stocks, 125–126

Investment Rarities, 161

Investments:

compounding, 59–64

gold, 135–142

high-yield, 101–104

start-ups, 223–232

Investors:

passive versus active, 33

profile of, 230–231

versus speculators, 127–128, 132–133

IPOs, 127, 129, 216–217

IRAs, 62, 68, 102, 139–140

Jeffers, Terry, 194, 234

Jefferson, Thomas, 248

Jerry Springer (TV show), 157

Jesus, parable of three servants, 30, 164

Kennedy, Joe, 199–201

Kennedy, Teddy, 247

Kiyosaki, Robert, 147, 180

Koppel, Ted, 136

La Quinta hotels, 102

Latter-Day Saints. See Mormonism

Law of compensating returns, 48, 242–243

Leverage, in wealth creation, 165–171

Liberty Property Group Trust, 103

Lincoln, Abraham, 183

Linkletter, Art, 4, 183, 185

Linowitz, Sol, 160

Lipscomb, Tom, 11

MacNeil-Lehrer News Hour, 3

Madame Tussaud's (London), 4

Making Money (Ruff), 28

Malachi (prophet), 48

Mammon, 38. See also Money

Manson, John, 194

Margin buying, 149–151

Marketing, 174–177, 225, 226, 229, 233–240

Market Logic, 58

Market positioning, 196–197

Marriage, 45–52, 191, 227, 241

Marriott, J. Willard, Jr., 42

Marriott, J. Willard, Sr., 5, 42

Maxwell, Neal A., 75

Mayberry, Joseph Younger, 42, 48, 242

McAdam, Gary, 219, 220

Medicare, 112

Merchandise Mart (Chicago), 200

Mergers, 217–218

Merv Griffin (TV show), 3

Michael Baybak and Associates, 234

Microsoft Corp., 208, 215, 223

Momentum investing, 127–128, 133

Monetary policy, 138–139, 141–142

Money. See also Prosperity

corrupting influence of, 37–52, 241–244

emergency cash stash, 154

gold as hedge, 154, 159–162

leveraging, 166–168

Money-market funds, 60, 63–64

Mormonism, 34–35, 97–98, 155–158, 186

Mortgages, 60, 79–80, 90–93, 167

Motherhood, 49–51

Munis, 60–62

Mutual funds, recommended, 254

Nasdaq, 32, 127, 130–132, 160, 218–219

National Association of Securities Dealers (NASD), 214, 219

National Committee for Monetary Reform, 136

Neal, Steve, 2

Neo Life Company, 9

Nevada Corporations, 214–215

Newsletters, recommended, 251. See also Ruff Times

Nightline (TV show), 3, 136

Nixon, Richard, 161

No More Mortgage, 90–92

North, Oliver, 2

Nothing Down (Allen), x

NYSE, 32, 121, 133, 160, 199

Oprah (TV show), 3

Paul (apostle), 37

PBS Late Night (TV show), 3

Penney, J. C., 183

Penny golds, defined, 141

Ponzi pyramid, defined, 106

Positioning (Ries and Trout), 239

Precious metals. See Gold; Silver

Preston, Robert, 9–10

Price/earnings ratio, 32, 128, 131, 133, 144, 216

Procter & Gamble, 178, 203

Products and services, recommended, 251–254

Prosperity. See also Money

and compound interest, 53–71

gold as hedge, 135–142

high-yield investments, 101–104

overview, 21–22, 117

roadblocks to, 23, 73–100

Social Security and, 105–116

Wall Street cautions, 119–123

versus wealth, 25–35, 163–164, 241–244

Proxmire, William, 107

Prudent Bear Fund, 203

Public companies:

IPOs, 216–217

mergers, 217–218

Nevada Corporations, 214–215

versus private companies, 215–216

reverse mergers, 218–222

Reagan, Ronald, 2–3, 11–12, 14–15, 136

Real estate, 102–104, 201–202

Recessions, economic, 74–76, 177–180, 201, 233. See also Depressions

Refinancing, mortgage, 94–96

Regis and Kathy Lee (TV show), 3

Regression to the mean, 126

Retirement accounts, 62, 68, 102, 139–140

Reverse mergers, 218–222

Ries, Al, 239

Risk:

analysis, 102, 190, 200, 225, 231

aversion to, 33, 173–184

defining attitudes, 29–31, 33, 163–164

Roosevelt, Teddy, 187

Ruff, Howard:

Bob Allen on, ix–xii

lessons of failure, 173–177

life of, 1–19

as marketing guru, 235

philosphy of, 246–249

Ruff, Ivan, 9, 19

Ruff, Jim, 4, 188

Ruff, Kay, 3, 4, 71, 191, 243

Ruff, Larry, 91, 183

Ruff, Terri Lynn, 84

Ruffhou$e (TV show), 11, 14, 234

RuffPAC, 11–12, 14, 174

Ruff's First Law of Limiting Losses, 145

Ruff Times (newsletter), 27

Bob Allen on, ix–x

on entrepreneurship, 190–197

fund yields, 103–104

on gold, 142

history of, 10–13, 18, 173–177, 188

marketing, 233–235, 237

readers of, 27, 34

subscribing to, 245–249

on traits of the wealthy, 201

Russell, Richard, 55–56, 58–59

Safeway (grocery chain), 39

Savings accounts, 60

SEC, 150, 214, 215, 219–220

Security Capital European Real Estate Fund, 102

Shakespeare, 202

Silver, 137, 154, 159–162, 201, 252

Simon Property Group funds, 103

Social Security, 105–116, 246

Specialization, product, 196–197

Spielberg, Steven, 56

Stable value funds, defined, 103

Start-up companies, 223–232

Stock market. See also Stocks

bigger-fool theory, 125–133

psychology of, 143–147

tracking, 245–246

Stocks. See also Stock market

as investment vehicle, 67–68

margin buying, 149–151

valuation of, 125–133, 143–144

Sullivan, Ed, 2

T. Rowe Price funds, 103

Tax issues:

dividend income, 128

minimizing payout, 67–68, 166

public companies, 217–218, 220–221

Taylor, Elizabeth, 4

Terrorism issues, 139, 153–162

Think and Grow Rich (Hill), 39–40, 192

Thoreau, Henry David, 51

Tithing, 47–48

Today (TV show), 3

Treasuries, 60–62, 102, 160, 203

Trout, Jack, 239

Turner, Ted, 81, 167

Twenty Thousand Leagues Under the Sea (Verne), 189

Union Carbide, 123

United Airlines, 76

USPs, 236, 238

Vanguard funds, 103

Vendors, recommended, 251–254

Venture capitalists, 128, 231

Verne, Jules, 189

Volatility, market, 151

Volcker, Paul, 15, 136

Wall Street Journal:

as business ad medium, 219

on debt reduction, 66–67

as prognosticator, 133, 201

readers, 188, 227

yields listing, 104

Wall Street Week (TV show), 3

Wal-Mart, 133

Watkins, Arthur, 5

Wealth:

defining, 29–30

mind-set of, 185–197

versus prosperity, 25–35, 163–164, 241–244

public companies, 214–222

role of adversity, 199–203

role of capitalism, 205–213

role of fear, 173–184

role of leverage, 165–171

role of marketing, 233–240

role of start-ups, 223–232

Web sites:

Better Business Bureau, 95

coin portfolio, 161

debt consolidation, 91

incorporation issues, 214

recommended, 251–252

Ruff Times, 133, 142, 240, 247

stock information, 103

Wells, H. G., 189

Wellstone, Paul, 112

Wood, Evelyn, 4, 7

WorldCom, 76

World Trade Center, 77, 159–160

Y2K crisis, 13