Andrew Hallam 
Millionaire Teacher [PDF ebook] 
The Nine Rules of Wealth You Should Have Learned in School

Acknowledgments xiii
Foreword xv
Introduction xix
RULE 1 Spend Like You Want to Grow Rich 1
The Hippocratic Rule of Wealth 2
Can You See the Road When You’re Driving? 6
One of the Savviest Guys I Ever Met–And His View on Buying Cars 8
Careful Home Purchases 11
Millionaire Handouts 13
How Did I Become a Millionaire? 14
Looking to the Future 17
RULE 2 Use the Greatest Investment Ally You Have 19
Compound Interest–The World’s Most Powerful Financial Concept 21
The Bohemian Millionaire–The Best of Historical-Based Fiction 23
Gifting Money to Yourself 26
When You Defi nitely Shouldn’t Invest 28
How and Why Stocks Rise in Value 28
RULE 3 Small Percentages Pack Big Punches 33
With Training, the Average Fifth Grader Can Take on Wall Street34
Financial Experts Backing the Irrefutable 35
What Causes Experts to Shake Their Heads 38
When the Best Funds Turn Malignant 41
Reality Check 46
Who’s Arguing against Indexes? 55
RULE 4 Conquer the Enemy in the Mirror 61
When a 10 Percent Gain Isn’t a 10 Percent Gain 61
It’s Not Timing the Market that Matters; It’s Timein the Market 64
On Stocks . . . What You Really Should Have Learned in School67
Internet Madness and the Damage It Caused 72
Taking Advantage of Fear and Greed 75
Opportunities after Chaos 78
RULE 5 Build Mountains of Money with a Responsible Portfolio85
What Are Bonds? 86
Profi ting from Panic– Stock Market Crash 2008-200990
Having a Foreign Affair 92
Introducing the Couch Potato Portfolio 94
Combinations of Stocks and Bonds Can Have Powerful Returns97
RULE 6 Sample a ‚Round-the-World‘ Ticket to Indexing 101
Indexing in the United States–An American Father of Triplets 101
Indexing In Canada– A Landscaper Wins by Pruning Costs108
Indexing in Singapore– A Couple Builds a Tiger’s Portfolio in the Lion City 114
Indexing in Australia– Winning with an American Weapon119
The Next Step 121
RULE 7 Peek Inside A Pilferer’s Playbook 125
How Will Most Financial Advisers Fight You? 125
The Totem Pole View 132
Is Government Action Required? 134
RULE 8 Avoid Seduction 139
Confession Time 139
Investment Newsletters and Their Track Records 143
High-Yielding Bonds Called ‚Junk‘ 147
Fast-Growing Markets Can Make Bad Investments 147
Gold Isn’t an Investment 149
What You Need to Know about Investment Magazines 150
Hedge Funds– The Rich Stealing from the Rich 153
RULE 9 The 10% Stock-Picking Solution . . . If You Really Can’t Help Yourself 157
Using Warren Buffett 158
Commit to the Stocks You Buy 159
Stocks with Staying Power 164
Selling Stocks 174
The Nine Rules of Wealth Checklist 179
Index 181

Andrew Hallam is a high school teacher at an Americaninternational school who built a million dollar investmentportfolio on a teacher’s salary. He has been writing personalfinance articles since 2002, and he has been nominated a finalistfor two National publishing awards. His work has appeared in Money Sense magazine, L’Actualite and Reader’s Digest.
He has also been profiled in The Globe and Mail, for his nine rules of wealth, and in The Wall Street Journal- with a quirky plea to sleep in Warren Buffet’sgarage.
Motivated to protect his friends and colleagues from theconflicts of interest running rampant in the financial serviceindustry, Andrew started delivering investment seminars in 2006, showing how people can easily beat the investment returns providedby the vast number of financial advisors.
Currently, Andrew lives in Singapore with his wife, Pele.Together, they traveling, adventuring outdoors and savoringlife.