Hardcover: 272 pages

Publisher: Avery (December 24, 2009)

According to the 2009 Retirement Confidence Survey, only 13% of workers were “very confident” about saving enough money for a comfortable retirement—down from 27% in 2007.  But they need not worry.

YOUR MONEY RATIOS: 8 Essential Tools for Financial Success and Security (Avery, January 2010, $26.00) by Charles J. Farrell, financial advisor and CBS MoneyWatch columnist, will revolutionize the way people manage their personal finances.  Regardless of bull or bear markets, YOUR MONEY RATIOS  helps readers take control of their finances through its unique and accessible ratio system. By implementing Farrell’s ratios, people of every age and tax bracket will have an integrated, proven approach to successfully managing personal finance.

YOUR MONEY RATIOS offers tips and strategies for everyone from those just beginning to build a financial future to the savviest of investors. Regardless of age or income, this program helps to obtain financial security and provides a logical system to stay there. There is also an online calculator available to all who purchase the book that allows the reader to plug in their own numbers and receive an instant evaluation.

Unlike needlessly complicated guides, YOUR MONEY RATIOS simplifies personal finance, providing readers with incredibly practical, no-nonsense tools for creating a healthy financial present and future and helps answer the basic questions of personal finance:

How much should I be saving each year?

How much should I have saved at my age?

How much debt should I carry?

How do I invest my savings?

What insurance do I need?

Visit the Your Money Ratios website HERE.

About Charles Farrell, J.D., L.L.M.

Charles Farrell, J.D., LL.M., is an investment adviser with Northstar Investment Advisors. His column “Retirement Roadmap”, appears on the CBS Moneywatch site, and his research is frequently cited in The Wall Street Journal, Smart Money,theChicago Tribune, and many other consumer and professional media outlets. He lives in Denver.

Charles Farrell’s TLC Book Tours TOUR STOPS:

Monday, January 4th:  Fiscal Geek

Tuesday, January 5th:  Suburban Dollar

Wednesday, January 6th:  M is for Money

Thursday, January 7th:  Financial Samurai

Friday, January 8th:  Debt Free Adventure

Monday, January 11th:  Million Dollar Journey

Tuesday, January 12th:  Frugal Dreamer reschedule

Wednesday, January 13th:  The Centsible Life reschedule

Thursday, January 14th:  Money Crashers

Friday, January 15th:  JoeTaxpayer

Monday, January 18th:  Jessie’s Money

Tuesday, January 19th:  Money Blue Book – cancelled

Wednesday, January 20th:  The Centsible Life

Wednesday, January 20th:  Money Under 30

Thursday, January 21st:  Dough Roller

Tuesday, January 26th:  Free From Broke

Thursday, January 28th:  CashMoneyLife

TBD:  Budgets Are Sexy