Howard Ruff has had a long career as a financial publisher and author. The Ruff Times has had more than six hundred thousand subscribers over the last quarter century. Ruff is the author of seven books, including the bestselling How to Prosper During the Coming Bad Years, which sold almost three million copies and appeared near the top of the New York Times bestseller list for more than two years. Ruff has hosted his own syndicated radio and TV programs in more than 300 markets and has appeared on nearly every national TV program, including the Today show, Good Morning America, The Oprah Winfrey Show, and Nightline.