The Only Investment Guide You'll Ever Need Quotes

“magicformulainvesting.com.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“diamond-essence.com”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Those dates are not expiration dates . . . as the frozen creamed spinach dated October 27, 2007, that I consumed with no ill effects in late 2015 attests.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“For family vacations, give each child a predetermined sum that has to last the whole trip. You’d still pay all the basics—travel, meals, tickets to the water park. This allowance would be for the completely optional extras. Your kids will learn to make the money last over the specified number of days and to weigh each purchase more carefully. Good life lessons. Meanwhile, you may be spared the begging for trinkets and candy, because that’s now all at their discretion. If, under this system, your kids turn suddenly frugal and actually end up with some leftover cash, good for them. It’s theirs to keep. Indeed, as a life lesson in delayed gratification, you might even offer, up front, to double whatever they have left over at the end.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Get Plex. Free TV, movies, and more at plex.tv.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Get free tech support. Before you pay Microsoft, try tech guy.org.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Angie’s List—now Angi.com—can help with any home project, from repairs and maintenance to landscaping and remodeling, to putting in a pool or solar panels. Pricegrabber.com can help with comparison shopping. Retailmenot.com will tell you whether there are promotional coupons to use at checkout. As does PayPal’s “Honey” browser extension (joinhoney.com). Terrific cheap clothes? Uniqlo.com.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Use the Internet. (Well, duh!) In the first edition of this book, I suggested everyone get a copy of the Sears catalog—not necessarily to shop from, but as a handy guide to what everything cost. That iconic catalog is long gone, and now, to buy—or sell—anything, new or used, there’s ebay.com and craigslist.com and, of course, Amazon.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Cut your cell phone bill. If you need a cell mainly for emergencies, short chats, and texting, buy a Tracfone (tracfone.com). No contracts. If you’re a heavier user, Walmart’s straighttalk.com may save you money—as I write, $55/month for unlimited service.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Buy no car. If you’re a city-dweller (or live on campus), check to see whether zipcar.com could work for you. You pay $9 a month to “borrow” cars—and pickup trucks—for an hourly rate, starting at $12.50, that includes gas and insurance. Compared with the fortune you could easily spend on parking, insurance, maintenance, and—of course—car payments, even liberal use of Zipcar could save big bucks.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Buy a used car. It could be really depressing to have to do this. But when it’s your decision, to reach your goals, that’s another story. And it will save you thousands of dollars. That “new-car smell” is the most expensive fragrance in the world.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Betterbidding.com pits priceline.com and hot wire.com against each other on a single screen, with some added features and savings as well.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“The simplest, safest, most sensible way to earn 18% or 20% on your money is to pay off your credit cards.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“A Penny Saved Is Two Pennies Earned”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Or as a friend of mine once said: “It’s just as easy to live well when you’re poor as when you’re rich—but when you’re poor, it’s much cheaper.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Numerous studies show that no-load funds perform just as well (and as badly) as load funds. This stands to reason, because the load goes not toward superior management of the fund but to the sales reps who sell it. And they have no influence over its performance. Yet a big chunk of the investing public still buys load funds. As long as there are people out selling, there will be people in buying. Don’t be one of them.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Bank accounts can have a “pay on death” designation that gives you exclusive control of the account during your lifetime but only requires presentation of a death certificate to be transferred to your intended without probate. Just ask the bank for the proper form: it normally costs nothing to make this designation (the bank may refer to the pay-on-death designation as a Totten Trust). ♦​Brokerage and mutual fund accounts can, in most states, have a “transfer on death” designation that has a similar effect (at this writing, only Louisiana and Texas fail to allow it). Though many brokers charge a nominal fee to add this designation, some will waive the fee if you ask—so ask. ♦​In states that recognize them (28 at last count in 2021), Transfer On Death Deeds (TOD Deeds) allow real estate to transfer directly to your heirs at death.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“By allowance: “Allowance isn’t pay,” suggests Dan Nachbar, a reader who actually has kids. “Don’t link allowance to specific tasks. Work around the house is a responsibility. An allowance is a privilege. Give an allowance once a month rather than once a week. The dollar amounts will be higher, and lessons on managing your cash more real.” (A month between paydays? Yeah, right—like the kids’ union will ever accept that.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“The overall ideas are so simple that any child can easily grasp them. Spend less than you have. Save the difference. Watch it grow. How complex is that?”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Thus for many investors, despite the allure of the game, index funds really do remain the smart way to play.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“investment”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“(See specific suggestions in the “Selected Mutual Funds” appendix.) If you do, you will outperform at least 90% of all your friends and neighbors—including many who work much harder at this than you.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“It’s been an absolutely marvelous time to live. Just in my [82-year] lifetime, the world standard of living has quadrupled, and that’s amazing. Through history, it took 1,000 years to double the standard of living. The reasons why it is speeding up have not stopped; in fact they’ve speeded up. Take the amount of money spent on scientific research. Eighty-two years ago, the world spent about $1 billion every three months. Now the world is spending $2 billion a day.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“the best deal (immediateannuities.com is a good place to start)”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“It is better to give than to lend,” said British war correspondent Philip Gibbs, “and it costs about the same.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Get what you pay for with “the world’s first robot lawyer.” “Expedia just refunded all the money for my Virgin Atlantic business class ticket to Germany,” writes a friend, “without my having to spend a single minute haggling. (Expedia is notorious for trying to stick you with ‘airline credits.’) It’s all thanks to donotpay.com. First I thought its promises were too good to be true. But I checked them out, signed up—$36/year—and it worked!”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Tap water. Listen: unless yours is unsafe to drink, I don’t ever want to catch you buying bottled water again. What an easy way to save money—and avoid dumping plastic into the ocean, which is where tens of billions of those bottles ultimately float. Just get a single plastic container and refill it from the tap. If need be, get a water-filtration pitcher (brita.com), too. It’s not a 75-cent bottle of water twice a day, it’s $547 a year. For water!”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Fear dementia? Avoiding it—or helping your parents or spouse avoid it—could save a fortune, not to mention the misery. So while I’m plugging ventures of which I own a sliver: check out brainhq.com.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Shop for your MRI or new knee. Visit newchoicehealth.com to possibly save big—and check out medretreat.com to learn about “medical tourism.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition

“Read—and possibly dispute—your medical bills. I know; I know. But they could contain costly mistakes. If you need help, the Patient Advocate Foundation (patientadvocate.org) can review your medical bills for free . . . and possibly help you bargain them down or resolve disputes.”
― Andrew Tobias, The Only Investment Guide You'll Ever Need, Revised Edition