Howard Joseph Ruff (December 27, 1930 – November 12, 2016) was a financial adviser and writer of the pro-hard money investing newsletter ''The Ruff Times''. Ruff was the author of ''Famine and Survival in America'' (1974), ''How to Prosper During the Coming Bad Years'' (1979), ''Survive and Win in the Inflationary Eighties'' (1981), ''Making Money'' (1984), and other books. He updated and re-released his most successful book, re-titling it ''How to Prosper During the Coming Bad Years in the 21st Century'' (2008).
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