No matter what one does for a living or where one is in life, one needs to know how to invest oneas money in order to achieve future goals such as the purchase of a new home or car, a childas education, college loan repayments, travel, or retirement planning. Many people feel overwhelmed by where to start. That is why Dr. Michael J. Seiler, Associate Professor of Finance at Hawaii Pacific University, has written this easy-to-read and understandable guide to enable the average, everyday person to control his financial future. The stock market should bring you a feeling of satisfaction, not constant stress. After reading this book, you should feel confident in your financial future and not be at all concerned when someone tells you that the market has just dropped by some large amount.