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How to Prosper During the Coming Bad Years in the 21st Century | 
 enlarge | Author: Howard Ruff
Publisher: Berkley Trade
Category: Book
List Price: $14.00
Buy New: $2.99
You Save: $11.01 (79%)
New (5) Used (7) from $2.99
Rating:  9 reviews
Sales Rank: 6858
Format: Bargain Price
Media: Paperback
Pages: 304
Number Of Items: 1
Shipping Weight (lbs): 0.6
Dimensions (in): 7.8 x 5.1 x 0.8
Dewey Decimal Number: 332.02401
ASIN: B001F0RADO
Publication Date: April 1, 2008
Availability: Usually ships in 1-2 business days
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Shipping: International shipping available
Condition: In excellent condition. In stock; ships out right away.
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| Customer Reviews: Read 4 more reviews...
 Good insights into the economics of the 21st Century! November 7, 2008
F. Poli (Chorley,Lancashire, UK)
Howard Ruff writes with a easy to understand style and brings interesting insight into the economics of the 21st century. He talks about investing in gold, silver,silver mining stocks and creating homestorage.
The homestorage part I found the most interesting as Howard explains that because inflation will be on the rise buying stuff in bulk now & using it later will save you money as prices increase.
Pensions & financial advisers will not help you plan for a prosperous future.Financial education is the key and Howard Ruff is a must read in this field. If you liked Robert Kiyosaki's books you'll enjoy this too.
This book made me a very nice sum of money October 27, 2008
Cy Tuma (Chicago, IL)
I followed Howard Ruff's advice and bought gold in 1979 at $270/oz.; then I sold it in 1980 for over $800 and got my family completely out of debt. It is still the best finance book I have ever read. I'm not a Mormon and never will be, but Howard Ruff hit the nail on the head. We eventually ate our stored food, all right, but now I'm thinking it may be time to store up some more. At least buy one of the used copies of this book really cheaply and you'll see what I mean.
Have a happy day!
One of the Most Interesting I've Read in 2008 July 15, 2008
Cindy J. Schreiber (Thousand Oaks, CA)
4 out of 7 found this review helpful
You know I can see from the existing reviews there are a lot of differences about thought on this book. I understand everybody's point of view. I am going to comment on what I thought was THE most interesting part of the book which is not about anything to do with the title per se. Howard Ruff has a chapter called SIN TAX and he summarizes the founding of the country back to John Adams and the use of the laws and the Constitution and what America really stood for 200+ years ago and why the Constitution was written as it was. Then he talks about the fabric of today's society literally falling apart. I happen to agree with his assessment - that crime is rampant (and getting worse) the schools are babysitting factories (no time to really teach in classrooms with 35-40 or more kids in them) not to mention the fear factor of the kids going to school these days, and the younger the kids, the more babies they like to have. There is no shame anymore in being a 15 yr old parent and I believe this is a terrible social cost to our country. The social underpinnings of our society (and other countries too around the world) are costing us TRILLIONS AND TRILLIONS OF DOLLARS. Welfare costs, medical costs for all these out of wedlock babies, food costs to avert starvation but most of all, the damage that passes down from generation to generation in these one-parent (for the most part) families who for the most part never will recover from the lower and then-lower-still decline in any decent standard of living.
Eventually, the author asserts, this will sink the United States of America both morally and financially.
I think he has a point. I just look around the country in my travels and where I live (a 'nice' area) and I see it with my own eyes. Plus I am also an older parent who wrings my hands over all of this. It sure ain't what it was like when I was growing up.
Funny chapter in a book on 'How to Prosper During the Coming Bad Years in the 21st Century'? Perhaps.
But deadly right on, so to speak.
I would like to see this chapter published in major American newspapers as a guest editorial. This really did hit right on the nose.
That is what I liked the best about the book. I love to read books that are fascinating in whatever it is they are talking about. I certainly wasn't expecting this chapter in a book of this title. But I sure am glad he did include it.
Now I know Howard Ruff is of Mormon descent and therefore a believer in large families and at his website there is a picture of him with his wife, all the kids and the gaggle of grandkids. And it shocked me like it has shocked a few of you too. But then I took out a trial subscription to his Ruff Times and I read about the intact nuclear families of each of his children. And while I am no proponent of large families especially in today's economically challenging times, at least I can propose that a financially stable intact family with both a mother and father even though with more kids than I would like to see, as versus a single parent teenager with a few kids - well who do the odds favor in terms of having a successful life? At least this author lives as he says he lives and I have to respect him for that. And I think he has financially set his family on a path where they will never be burdens on society. In fact I'm sure from all I've read by him that he did the greatest favor of all and taught his children fiscal responsibility along with family morals & values (which I sure hope they practice).
Lastly, Howard Ruff does talk about gold and silver and how you need to be on the G & S train while it is still in the early parts of its voyage and I, who reads everything, totally agrees on that. His chapters on silver being a far more profitable opportunity than gold probably are very correct.
 I can't beleive I bought this book! June 23, 2008
T. Thornton (Kansas City)
6 out of 18 found this review helpful
If I had spent three minutes doing a little R and D I would have never bought this book but I was lazy and I got what I deserved.
If you want a book with a lot of right wing Republican drivel and Mormon survival philosophy pushed at you and exposure to an author who spends most of the book's time letting you know how prescient he is then go ahead and buy it. But if you are serious about getting personal financial information then look further and pass on this one.
I agree he might need the six months of food supply hidden away as if everyone populates the earth with scores of kids and grandkids as he has then the food supply will surely become strained.
 Ruff was wrong in 1979 when this book was first published June 19, 2008
BurtRose (Washington, DC area)
18 out of 24 found this review helpful
Howard Ruff originally published this book in 1979. Anyone who followed his advice lost money for years and years. Sort of reminds me of Ravi Batra and his 1987 best-seller, "The Great Depression of 1990." What Great Depression of 1990, you ask? My point, precisely. Now that things are looking badly economically, Ruff can call himself a prophet, and republish his book with "21st century updates" responding to the credit crisis. Yeah, okay Howard.
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