Howard Ruff has remained in the public eye for more than three decades. He founded The Ruff Times Financial Newsletter in 1975 and has remained editor ever since. The Ruff Times became the most read financial advisory newsletter in the world – with more than 600,000 subscribers. He originally published “How to Prosper During the Coming Bad Years” in 1977 as a New York Times #1 Bestseller and has now re-released an updated version for the 21st century. Ruff has been on Oprah, Donahue, Good Morning America, The Today Show, Nightline and Wall Street Week. He has advised presidents, had his own national TV Talk show and is father to 14 children, 5 adopted children, has 71 grandchildren and 4 great grandchildren. Ruff lives in Utah with his wife.