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The Elephant in the Room: Sharing the Secrets for Pursuing Real Financial Success
By Barry Bridger. 2009
Michael Davidson and his wife, Jennifer, knew what they wanted from life and had some pretty good financial habits, but…
they were far from prepared for the future. Despite a healthy income and successful career, Michael—who's facing down thirty, with a wife who also works, and two kids—can't seem to accumulate any savings, and the family continues to live from paycheck to paycheck. Frustrated by his situation, Michael seeks the advice of a person who, in his eyes, has found a way to overcome this challenge—his now comfortably retired Aunt Katherine. What follows is a series of conversations in which Michael discovers that some fundamental concepts, all under his control, can put his family in a better financial position. Engaging and informative, The Elephant in the Room follows the fictional weekly meetings—based on the real-world experiences of financial advisors and employees from First Command Financial Planning—between Michael and Aunt Katherine as they discuss the elements that guide their financial behavior and prepare a plan to achieve his family's financial objectives. A refreshing look at what it really takes to secure your financial future, The Elephant in the Room contains insights and advice that will put you on the path to prosperity..Dividends Still Don't Lie
By Kelley Wright. 2010
A timely follow-up to the bestselling classic Dividends Don't LieIn 1988 Geraldine Weiss wrote the classic Dividends Don't Lie, which…
focused on the Dividend-Yield Theory as a method of producing consistent gains in the stock market. Today, the approach of using the dividend yield to identify values in blue chip stocks still outperforms most investment methods on a risk-adjusted basis.Written by Kelley Wright, Managing Editor of Investment Quality Trends, with a new Foreword by Geraldine Weiss, this book teaches a value-based strategy to investing, one that uses a stock's dividend yield as the primary measure of value. Rather than emphasize the price cycles of a stock, the company's products, market strategy or other factors, this guide stresses dividend-yield patterns.Details a straightforward system of investing in stick-to-quality blue-chip stocks with reliable dividend historiesDiscusses how to buy and sell when dividend yields instruct you to do soInvestors looking for safety and transparency will quickly discover how dividends offer the yields they desireWith Dividends Still Don't Lie, you'll gain the confidence to make sophisticated stock market decisions and obtain solid value for your investment dollars.The Investor's Manifesto
By William J. Bernstein, Jonathan Clements. 2010
A timeless approach to investing wisely over an investment lifetimeWith the current market maelstrom as a background, this timely guide…
describes just how to plan a lifetime of investing, in good times and bad, discussing stocks and bonds as well as the relationship between risk and return.Filled with in-depth insights and practical advice, The Investor's Manifesto will help you understand the nuts and bolts of executing a lifetime investment plan, including: how to survive dealing with the investment industry, the practical meaning of market efficiency, how much to save, how to maintain discipline in the face of panics and manias, and what vehicles to use to achieve financial security and freedom.Written by bestselling author William J. Bernstein, well known for his insights on how individual investors can manage their personal wealth and retirement funds wiselyExamines how the financial landscape has radically altered in the past two years, and what investors should do about itContains practical insights that the everyday investor can understandFocuses on the concept of Pascal's Wager-identifying and avoiding worst-case scenarios, and planning investment decisions on that basisWith The Investor's Manifesto as your guide, you'll quickly discover the timeless investment approaches that can put you in a better position to prosper over time.Save Money on Your Tax
By Adrian Raftery. 2013
Do your finances control you? Frustrate you? Limit you? Well take control of your money today and get more of…
what you want from life. Bestselling author, Adrian Raftery knows the tax legislation inside out and gives you the tips and know-how to ensure you pay as little tax as possible each year. Fast Money: Save Money on Your Tax is a jargon-free, practical guide that will get you started on your journey to financial freedom with more from your tax return, fast!The One Page Financial Plan
By Sam Henderson. 2013
Managing your money and creating wealth has never been so easy with this simple, effective financial planning guideIn The One…
Page Financial Plan, CEO and financial advisor Sam Henderson gives you a straightforward process for tailoring a financial plan that meets all your goals and needs. In fact, everything you need to comprehensively manage your money and create wealth can fit on one page.A comprehensive, step-by-step handbook for getting the most out of your money, The One Page Financial Plan is the perfect tool for managing your assets effectively, whether you're a young person just starting out, or an experienced professional preparing for retirement. You'll learn to manage your money, navigate tax laws, plan for the future, and much more--all in the easiest manner you can imagine.Offers simple, straightforward financial planning advice appropriate for anyone at any ageWritten by Sam Henderson, CEO and Senior Financial Adviser at Henderson MaxwellIncludes the latest advice on money management and wealth creationWhether you're 26 or 62, you shouldn't wait to take care of your money and plan for the future. The One Page Financial Plan makes taking control of finances as easy as one, two, three.After the Trade Is Made, Revised Ed.
By David M. Weiss. 2006
The fully updated classic guide to the mechanics of securities processing--a must for professional investors This third edition of After…
the Trade Is Made reflects the changes that have taken place in recent years as a result of new products, technological breakthroughs, and the globalization of the securities industry. Comprehensive and easy to understand, it provides brokers, operations personnel, and individual investors with definitive and up-to-the-minute explanations of each step in the trading process--from the moment a customer decides to buy or sell a security through the final requirements of record keeping. Written for both securities professionals and individual investors, whether domestic or in other countries, this new edition clearly explains the core of underwritings, new and established trading markets, transaction processing, margin, and more--while providing critical insights into the most recent wave of industry changes. David M. Weiss, a veteran securities professional, traces the entire process of buying or selling a security, from order management to transaction processing to the final posting on the firm's books and records. He covers the specialized attributes of each function in a typical brokerage firm, as well as their relationships with commercial banks, transfer agents, clearing corporations, and depositories. After the Trade Is Made is the definitive resource for anyone eager to understand and confidently navigate the vast and often surprising world of securities.Living Fiscally Fit: 1000 Ways to Get Out of Debt and Build Financial Wealth
By The Editors of Woman's Day. 2008
Social Insecurity
By James W. Russell. 2014
How 401(k)s have gutted retirement security, from charging exorbitant hidden fees to failing to replace the income of traditional pensions…
A retirement crisis is looming. In 2008, as the 401(k) fallout rippled across the country, horrified holders watched 25 percent of their funds evaporate overnight. Average 401(k) balances for those approaching retirement are too small to generate more than $4,000 in annual retirement income, and experts predict that nearly half of middle-class workers will be poor or near poor in retirement. But long before the recession, signs were mounting that few people would ever be able to accumulate enough wealth on their own to ensure financial security later in life. This hasn't always been the case. Each generation of workers since the nineteenth century has had more retirement security than the previous generation. That is, until 1981, when shaky 401(k) plans began replacing traditional pensions. For the last thirty years, we've been advised that the best way to build one's nest egg is to heavily invest in 401(k)-type programs, even though such plans were originally designed to be a supplement to rather than the basis for retirement. This financial experiment, promoted by neoliberals and aggressively peddled by Wall Street, has now come full circle, with tens of millions of Americans discovering that they would have been better off under traditional pension plans long since replaced. As James W. Russell explains, this do-it-yourself retirement system--in which individuals with modest incomes are expected to invest large sums of capital in order to reap the same rewards as high-end money managers--isn't working. Social Insecurity tells the story of a massive and international retirement robbery--a substantial transfer of wealth from everyday workers to Wall Street financiers via tremendously costly hidden fees. Russell traces what amounts to a perfect swindle, from its ideological origins at Milton Friedman's infamous Chicago School to its implementation in Chile under Pinochet's dictatorship and its adoption in America through Reaganomics. Enraging yet hopeful, Russell offers concrete ideas on how individuals and society can arrest this downward spiral.From the Hardcover edition.Even Buffett Isn't Perfect
By Vahan Janjigian. 2008
A contrarian look at how Warren Buffett thinks about investing and related issues Warren Buffett is the most successful and…
revered investor of all time. His ability to consistently find undervalued companies has made him one of the world’s richest men. Despite many previous books about him, it’s rare to find an objective assessmentone that praises him when appropriate, but also recognizes that even Buffett makes mistakes. For instance, is he right to call for higher taxes and an end to earnings guidance? Should Buffett fans copy his avoidance of technology stocks? In this penetrating look at how Buffett thinks, Vahan Janjigian shows readers how to learn from the master’s best moves while avoiding strategies that don’t apply to small investors. And he explains Buffett’s favorite valuation methodology, the discounted cash flow model, and how it can significantly reduce the odds of overpaying for a stock. .The Truth Shall Make You Rich
By Farrah Gray. 2008
The bestselling author of Reallionaire challenges common misconceptions about success and lays out the road map to a richer life…
Raised in the impoverished south side of Chicago, Farrah Gray defied the odds and became a millionaire by age fourteen. He was the youngest person to have an office on Wall Street, and the youngest to receive an honorary doctorate. Now, at 24, he is an inspiration to millions and the bestselling author of Reallionaire, #1 Essence Bestseller. In The Truth Shall Make You Rich, Gray shares the secret to his success: an emphatic rejection of the seven fallacies most people believe about money and success: the Born Lucky Lie, the Celebrity Lie, the Money Lie, the Debt Lie, the Google and Gates Lie, the Wall Street Lie, and the Work-Hard Lie. By revealing the truth behind the myths, Gray empowers readers to blaze their own paths and make their own millions. .Family Trusts
By N. E. Renton. 2007
This is a plain English manual for ordinary Australian families and small business proprietors. It will help them to decide…
whether to set up a family trust, to understand the advantages and disadvantages of this useful legal concept and to discuss the issues more intelligently with their professional advisers.All aspects of setting up and running a family trust are dealt with in this book, including investment aspects and the taxation and social security rules affecting trusts and their beneficiaries. It discusses discretionary and unitised trusts, as well as trust deeds and the roles of the settlor and the trustees. The use of trusts for children with an intellectual disability, philanthropic foundations and the winding up of trusts are also covered.The fourth edition of Family Trusts has been greatly expanded. In addition to the updated real-life case studies that help to flesh out this important subject, there is new material on the qualifications needed by trustees, hybrid trusts, the risks of borrowing by trustees, non-resident beneficiaries, resettlements, minutes of trustee meetings, protecting assets against creditors, bankruptcy and divorce.The Outsider's Edge
By Brent D. Taylor. 2007
The secret of extreme wealth creationThe Outsider's Edge reveals the one common denominator the world's richest self-made people share. Studying…
the lives of 17 world-famous billionaires, author and researcher Brent Taylor discovered that their one shared experience is that of the outsider. From Bill Gates to Richard Branson to Warren Buffett, being different from their peers, and proud of it, has served as prime motivation for many of the world's most spectacularly successful people. Turning the conventional wisdom about wealth on its head, The Outsider's Edge reveals the true value and importance of being different.Brent Taylor (Australia) is a professional researcher who has worked for more than 20 years as a market researcher to government and corporations.CliffsNotes Graduation Debt
By Reyna Gobel. 2014
With updated information that reflects the myriad changes in the student loan industry that affect students and their parents burdened…
with student loan debt, CliffsNotes Graduation Debt, Second Edition provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Reyna Gobel has accumulated tens of thousands of dollars in student loans, recovered from student loan default, and set herself on a mission to help others who face a seemingly insurmountable student loan burden, with a powerful message about taking a step-by-step approach and not being overwhelmed by the sheer weight of student loan debt. Divided into small subsections geared toward those neck-deep in debt, this book is easily digestible to students who aren't inclined to focus on their finances. Readers are encouraged to take action steps, such as finding long-lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios so they can buy a home, and discussing their student loan and non-student loan debt with their significant others. By the end of the book, readers will be on the road to financial stability, with extra money for vacations and other fun stuff, too.Arts & Numbers
By Elaine Grogan Luttrull. 2013
The creative class-artists, actors, writers, musicians, freelancers, dancers, performers, and the like-are known for applying their passion for creative expression…
to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.Life Under Pressure, Moving Beyond Financial Meltdown
By Sherman Smith. 2012
Americans are obsessed with gloomy prognostications about the future. Dr. Smith's book, Life Under Pressure, Moving Beyond Financial Meltdown, is…
an antidote to all of this. He captures, in this book, the belief-ism that any person who trusts in God can move beyond disaster and that God is not out of money in any economic climate.Dr. Smith has helped thousands overcome adverse circumstances, and this book is a practical application to dealing with the times. It is a Biblical financial scholar's approach to money. You will find the 28 Ways You Can Know You're Overextended and all sorts of practical Scriptural advice in dealing with financial chaos. His approach to Bankruptcy and Divorce is worth the price of this book. Dr. Smith is a recognized authority on Biblical Stewardship, and as he did in his bestseller, Exploding the Doomsday Money Myths, Why It's Not Time to Panic, you will find this well written and easy to read book a breath of fresh air.Locavesting
By Amy Cortese. 2011
How individuals and communities can profit from local investing In the wake of the financial crisis, investors are faced with…
a stark choice: entrust their hard-earned dollars to the Wall Street casino, or settle for anemic interest rates on savings, bonds, and CDs. Meanwhile, small businesses are being starved for the credit and capital they need to grow. There's got to be a better way. In Locavesting: The Revolution in Local Investing and How to Profit from It, Amy Cortese takes us inside the local investing movement, where solutions to some of the nation's most pressing problems are taking shape. The idea is that, by investing in local businesses, rather than faceless conglomerates, investors can earn profits while building healthy, self-reliant communities. Introduces you to the ideas and pioneers behind the local investing movement Profiles the people and communities who are putting their money to work in their own backyards and taking control of their destinies Explores innovative investment strategies, from community capital and crowdfunding to local stock exchanges With confidence in Wall Street and the government badly shaken, Americans are looking for alternatives. Local investing offers a way to rebuild our nest eggs, communities, and, just perhaps, our country.The Everything Homebuying Book
By Piper Nichole. 2009
The good news: It's a buyer's market and interest rates are down. The bad news: It's tougher to get credit…
and qualify for an affordable mortgage. In this volatile market, potential homebuyers need to arm themselves with as much information as they can get. This book takes them through each step of buying a home and will show them how to: choose the right house, condo, co-op, or vacation home; analyze mortgage rates, property values, and market trends; work with agents, brokers, lawyers, and lenders; and more. Whether buyers are purchasing a first home or their fourth, this updated guide walks them through their biggest purchase with expert advice they can trust. This edition includes completely new material on loans to avoid, how to determine if a house is overpriced, and avoiding foreclosure.Kothari
By Vinod Kothari. 2009
Credit derivatives as a financial tool has been growing exponentially from almost nothing more than seven years ago to approximately…
US$5 trillion deals completed by end of 2005. This indicates the growing importance of credit derivatives in the financial sector and how widely it is being used these days by banks globally. It is also being increasingly used as a device of synthetic securitisation. This significant market trend underscores the need for a book of such a nature. Kothari, an undisputed expert in credit derivatives, explains the subject matter using easy-to-understand terms, presents it in a logical structure, demystifies the technical jargons and blends them into a cohesive whole. This revised book will also include the following: - New credit derivative definitions - New features of the synthetic CDO market - Case studies of leading transactions of synethetic securitisations - Basle II rules - The Consultative Paper 3 has significantly revised the rules, particularly on synthetic CDOs - Additional inputs on legal issues - New clarifications on accounting for credit derivatives/credit linked notesThe Intelligent Portfolio
By William F. Sharpe, Christopher L. Jones. 2008
The Intelligent Portfolio draws upon the extensive insights of Financial Engines--a leading provider of investment advisory and management services founded…
by Nobel Prize-winning economist William F. Sharpe--to reveal the time-tested institutional investing techniques that you can use to help improve your investment performance. Throughout these pages, Financial Engines' CIO, Christopher Jones, uses state-of-the-art simulation and optimization methods to demonstrate the often-surprising results of applying modern financial economics to personal investment decisions.The Everything Personal Finance in Your 40s and 50s Book
By Jennifer Lane, Bill Lane. 2009
Every day, more than 10,000 people turn forty in the United States, moving toward retirement without traditional pension plans backing…
them up. Lacking the safety net that protected their parents and grandparents, they're forced to take the initiative for their own financial security. They need a source of information that doesn't scare them away with insider jargon and intimidating complications. This book will help those who have felt uninformed, intimidated, or excluded from the process, and will simplify difficult topics like budgeting, investing, paying for college while saving for retirement, and helping kids with debt. People will find the essential tools and resources they need to set a course toward retirement and security at this critical stage in life.