Now the Sixth Edition updates the masters' ideas and adapts them for the 21st century's markets. This second edition, which was published in 1940 and still considered the definitive edition, has been updated by a dream team of some of today's leading value investors. Featuring a foreword by Warren E. Buffett (in which he reveals that he has read the 1940 masterwork "at least four times"), this new edition of "Security Analysis" will reacquaint you with the foundations of value investing--more relevant than ever in the tumultuous 21st century markets.

    Due to the fast-paced nature of this world, however, no one has been able to take the time to properly codify the lifeblood of the corporate financier's work--namely, valuation. Rosenbaum and Pearl have responded to this need by writing the book that they wish had existed when they were trying to break into Wall Street. Investment Banking: Valuation, Leveraged Buyouts, and Mergers & Acquisitions is a highly accessible and authoritative book that focuses on the primary valuation methodologies currently used on Wall Street--comparable companies, precedent transactions, DCF, and LBO analysis. These methodologies are used to determine valuation for public and private companies within the context of M&A transactions, LBOs, IPOs, restructurings, and investment decisions. Using a step-by-step how-to approach for each methodology, the authors build a chronological knowledge base and define key terms, financial concepts, and processes throughout the book. They also provide a comprehensive overview of the fundamentals of LBOs and an organized M&A sale process.In the aftermath of the subprime mortgage crisis and ensuing credit crunch, the world of finance is returning to the fundamentals of valuation and critical due diligence. This involves the use of more realistic assumptions governing approach to risk as well as a wide range of value drivers. While valuation has always involved a great deal of "art" in addition to time-tested "science," the artistry is perpetually evolving in accordance with market developments and conditions. In this sense, this book is particularly topical--in addition to detailing the technical fundamentals behind valuation, the authors infuse practical judgment skills and perspective to help guide the science.

    From inside the corner office at Lehman Brothers to secret meetings in South Korea, and the corridors of Washington, Too Big to Fail is the definitive story of the most powerful men and women in finance and politics grappling with success and failure, ego and greed, and, ultimately, the fate of the world’s economy. “We’ve got to get some foam down on the runway!” a sleepless Timothy Geithner, the then-president of the Federal Reserve of New York, would tell Henry M. Paulson, the Treasury secretary, about the catastrophic crash the world’s financial system would experience. Through unprecedented access to the players involved, Too Big to Fail re-creates all the drama and turmoil, revealing neverdisclosed details and elucidating how decisions made on Wall Street over the past decade sowed the seeds of the debacle. This true story is not just a look at banks that were “too big to fail,” it is a real-life thriller with a cast of bold-faced names who themselves thought they were too big to fail.

      Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.   Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.  I Will Teach You to Be Rich will show you: • How to crush your debt and student loans faster than you thought possible • How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny • How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too • How to talk your way out of late fees (with word-for-word scripts) • How to save hundreds or even thousands per month (and still buy what you love) • A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game • How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free • The exact words to use to negotiate a big raise at work  Plus, this 10th anniversary edition features over 80 new pages, including: • New tools • New insights on money and psychology • Amazing stories of how previous readers used the book to create their rich lives   Master your money—and then get on with your life.

    There's been no reason to look for another." --Warren Buffett, on the writings of Benjamin GrahamLegendary investing author and philosopher Benjamin Graham lived through interesting times. Soon after his graduation from Columbia College, the nation entered the First World War. As the stock market fluctuated in wild dips and peaks, the government seized control of the railroad industry, inflation and interest rates rose dramatically, and economic depression loomed on the horizon.During these events--and perhaps inspired by them--Graham began writing articles for The Magazine of Wall Street, putting to paper his earliest ideas on value investing and security analysis.For the first time, these important works have been anthologized into a single volume. Benjamin Graham on Investing is a treasure trove of rare and out-of-print articles that document the early flashes of genius from a man whose ideas and theories would revolutionize investment philosophy and inspire the careers of such luminaries as Warren Buffett, Seth Klarman, Charlie Munger, and countless other top-tier investors.The early works of Benjamin Graham have never been as relevant as they are today. The world's markets are undergoing changeon a scale not unlike that of Graham's era. David Darst, one of the world's most respected experts on asset allocation, provides insightful analyses connecting Graham's articles to events today., i>Benjamin Graham on Investing is a timeless classic that continues to have relevance more than 30 years after the author's death.

    Dimon's eleventh-hour acquisition, in 2008, of fl ailing archrival Bear Stearns stunned the world. Even more incredible: JPMorgan's continued success in the face of an industry-wide meltdown that has seen its CEO become a paragon of finance.In Last Man Standing, award-winning journalist Duff McDonald chronicles Dimon's tumultuous rise: from his joining the legendary Sandy Weill at American Express fresh out of Harvard Business School to their building of Citigroup (and Dimon's unceremonious ouster) to his rescue of Bank One and, at the unprecedented age of forty-eight, his ascension to the top post at JPMorgan Chase -- a bank he transformed from a broken institution to the sine qua non of global banking in five short years.Upon gaining unfettered access to Dimon, McDonald spent countless hours interviewing him and his full circle of family, friends, and colleagues to provide an unprecedented and deeply personal look at this extraordinary figure. Moving beyond Dimon's "fortress" balance sheets, McDonald reveals a dedicated family man whose uncanny facility with numbers and tireless work ethic are complemented by fierce loyalty and an unrelenting aversion to offi ce politics. Dimon, for the first time, shares detailed insights on the heart of his business and management philosophies, and industry titans such as Weill and Warren Buffett offer their analyses of his career.At a time when Dimon's competitors watch their companies crumble, JPMorgan not only continues to weather the worst period in the history of Wall Street but is growing by leaps and bounds. The defi nitive biography of Jamie Dimon, Last Man Standing is by far the most comprehensive portrait of the only man in finance today who can be called an American hero.

    Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:figure out how much you’ve actually been spending• calculate how much you owe—and what it’s costing you• build a budget that works• maximize your debt repayments so you can be free of consumer debt in 3 years or less• prepare for a rainy day so it doesn’t mean a major setback• set goals for your new, debt-free life.Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.

    For the first time ever, Robert Kiyosaki, bestselling author of Rich Dad, Poor Dad, has assembled in one big book a star studded cast of real estate wizards and trusted advisors with one purpose in mind: to share their knowledge to help you win in real estate.This is the ultimate real estate desk reference you¿ll come back to again and again. Whether you¿re a seasoned investor or buying your first property, you will enhance your knowledge and grow your wisdom through this book. The book shows you how to value a property, handle leases, manage tenant relationships, get financing, even establish your own team of advisors, and so much more. You¿ll hear from the insiders and learn from their wins and their losses. It¿s decades¿ worth of experience and knowledge you just can¿t get anywhere else.

    Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor.Explains the different types of savings accounts and retirement plans Offers insights on managing and funding your retirement accounts Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle Addresses essential estate planning and gifting issues With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.

    OIL 101 is a straightforward guide to oil and an essential read for anyone coming to grips with where oil prices, the economy and society are headed.In OIL 101, Downey provides the facts one needs to understand oil, from its history and chemistry, to refining, finished products, storage, transportation, alternatives, and how prices are determined every day in global wholesale oil markets and how those markets are connected to prices at the pump.

    once taught composition to students at Harvard, using his classic little book, The Elements of Style. With great daring, Ellis and Malkiel imagined their own Little Red Schoolhouse course in investing for every investor around the world-and then penned this book.The Elements of Investing hacks away at all the overtrading and over thinking so predominant in the hyperactive thought patterns of the average investor. Malkiel and Ellis offer investors a set of simple but powerful thoughts on how to challenge Mr. Market at his own game, and win by not losing. All the need-to-know rules and investment principles can be found here.Contains sound investment advice and simple principles of investing from two of the most respected individuals in the investment world Burton G. Malkiel is the bestselling author of A Random Walk Down Wall Street and Charles D. Ellis is the bestselling author of Winning the Loser's GameShows how to deal with an investor's own worst enemies: fear and greed A disciplined approach to investing, complemented by conviction, is all you need to succeed. This timely guide will help you develop these skills and make the most of your time in today's market.

    But Paulson was convinced this was his chance to make his mark. He just wasn't sure how to do it.  Colleagues at investment banks scoffed at him and investors dismissed him.  Even pros skeptical about housing shied away from the complicated derivative investments that Paulson was just learning about.  But Paulson and a handful of renegade investors such as Jeffrey Greene and Michael Burry began to bet heavily against risky mortgages and precarious financial companies. Timing is everything, though. Initially, Paulson and the others lost tens of millions of dollars as real estate and stocks continued to soar. Rather than back down, however, Paulson redoubled his bets, putting his hedge fund and his reputation on the line.     In the summer of 2007, the markets began to implode, bringing Paulson early profits, but also sparking efforts to rescue real estate and derail him. By year's end, though, John Paulson had pulled off the greatest trade in financial history, earning more than $15 billion for his firm--a figure that dwarfed George Soros's billion-dollar currency trade in 1992.  Paulson made billions more in 2008 by transforming his gutsy move.  Some of the underdog investors who attempted the daring trade also reaped fortunes. But others who got the timing wrong met devastating failure, discovering that being early and right wasn't nearly enough.     Written by the prizewinning reporter who broke the story in The Wall Street Journal, The Greatest Trade Ever is a superbly written, fast-paced, behind-the-scenes narrative of how a contrarian foresaw an escalating financial crisis--that outwitted Chuck Prince, Stanley O'Neal, Richard Fuld, and Wall Street's titans--to make financial history.

    Traders will learn how to cut losses short and meet investment goals by carefully determining risk/reward ratios and what they expect from an average trade. Tharp's approach is both performance driven and grounded in trading psychology. The book helps readers reinforce what they learn with the use of charts, figures, and illustrations.

    Farrar, Straus and Giroux, 2009.

    

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    Roth IRA vs. Traditional IRA vs. 401(k): What's the difference, and how should you choose between them? Financial Advisors: Learn what to look for as well as pitfalls to avoid. Frequent Investor Mistakes: Learn the most common mistakes and what you can do to avoid them. Calculate Your Retirement Needs: Learn how to calculate how much you'll need saved in order to retire.

    This is by far Dr. Steenbarger's best book and a must-have addition to any trader's bookshelf. I'll certainly be recommending it to all my friends." --Ray Barros CEO, Ray Barros Trading Group"Dr. Steenbarger has been helping traders help themselves for many years. Simply put, this book is a must-read for anyone who desires to achieve great success in the market." --Charles E. Kirk The Kirk Report"'Dr. Brett', as he is affectionately known by his blog readers, has assembled a practical guide to self coaching in this excellent book. The strategies he outlines are further enhanced with numerous resources and exercises for the reader to refer to and keep the principles fresh. I enthusiastically encourage anyone interested in bettering their trading and investing to read this book and keep it on their desk as a constant source of learning." --Brian Shannon, www.alphatrends.net author of Technical Analysis Using Multiple Timeframes "Dr. Brett has distilled his years of experience, as both a trader and a psychologist/coach, into the 101 practical lessons found in The Daily Trading Coach. Those lessons provide effective strategies for coping with the stumbling blocks that traders often face. This book should be a cornerstone of any serious trader's library." --Michael Seneadza equities trader and blogger at TraderMike.net

    In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive—and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies—this book will be your guide.Life insurance is one of the oldest financial products around, and yet it is one of the most misunderstood. People debate its efficacy from every angle, but rarely is it championed. That is, until recently. Now, in this landmark book, you'll discover:• The invaluable CLUE concept• How to leverage opportunity and investment capability• How one dollar can do many jobs• How to use your death benefit while you are alive• Why you should set up a family bank• And much more."Live Your Life Insurance" is a book about life and living—using and benefiting from your life insurance while you are alive to enjoy it. And, in today's economy, it is more important than ever to understand and utilize all the financial tools we have at our disposal.

    

    They should capitalize on it—and give a middle finger to those brokers wasting their time (and money) buying and selling, viewing investing as just buying stocks and not taking ownership of a company.In this book, Joe Ponzio gives an "f-you" to Wall Street and teaches you how to become a sharp value investor who uses economic downturns to your advantage. By buying into companies you believe in—but that may be selling for less than their intrinsic value, like high-end retailers in a weak market and discount retailers in a strong one—you will profit from their long-term performance. It's the perfect guide for anyone fed up with Wall Street's bull.

    

    An unprecedented publishing event for Kiyosaki and The Rich Dad Company, CONSPIRACY OF THE RICH is an interactive, "Wiki-style" project in which Kiyosaki has invited feedback, commentary, and questions from readers across the globe. The response so far has been totally fantastic. Millions and millions of readers have flocked to the website (www.conspiracyoftherich.com) to read what Robert has to say about the recession, and the readers have posted thousands of comments. Some of those reader comments will even be included in the final tradepaper version.

    This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You'll find ideas to help you build your financial security here. Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You'll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines: • Setting priorities during and after a financial setback, and bouncing back • Getting the most out of a bank while avoiding fees • Credit card and debit card secrets that will save you money • Family matters -- talking money before marriage and mediating claims during divorce • Cutting the cost of student debt, and finding schools that will offer big "merit" scholarships to your child • The simplest ways of pulling yourself out of debt • Why it's so important to jump on the automatic-savings bandwagon • Buying a house, selling one, or trying to rent your home when buyers aren't around • Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders • Investing made easy -- mutual funds that are tailor-made for your future retirement • What every investor needs to know about building wealth • How an "investment policy" helps you make wise decisions in any market • The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts -- and how to manage them • How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn't) • Eleven ways of keeping a steady income while you're retired, even after a stock market crash • Financial planning -- what it means, how you do it, and where to find good planners Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.

    For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle's guidance during this three-week financial fast, you will discover how to:Break bad spending habitsPlot a course to become debt-free with the Debt Dash PlanAvoid the temptation of overspending for collegeLearn how to prepare elderly relatives and yourself for future long-term care expensesBe prepared for any contingency with a Life Happens FundStop worrying about money and find the priceless power of financial peaceAs you discover practical ways to achieve financial freedom, you'll experience what it truly means to live a life of financial peace and prosperity.Thousands of individuals have participated in the fast and as a result have gotten out of debt and become better managers of their money and finances. The 21-Day Financial Fast is great for earners at any income-level or stage of life, whether you are living paycheck-to-paycheck or just trying to make smarter financial choices.

    In fact, as Liaquat Ahamed reveals, it was the decisions taken by a small number of central bankers that were the primary cause of the economic meltdown, the effects of which set the stage for World War II and reverberated for decades. In Lords of Finance, we meet the neurotic and enigmatic Montagu Norman of the Bank of England, the xenophobic and suspicious Émile Moreau of the Banque de France, the arrogant yet brilliant Hjalmar Schacht of the Reichsbank, and Benjamin Strong of the Federal Reserve Bank of New York, whose façade of energy and drive masked a deeply wounded and overburdened man. After the First World War, these central bankers attempted to reconstruct the world of international finance. Despite their differences, they were united by a common fear—that the greatest threat to capitalism was inflation— and by a common vision that the solution was to turn back the clock and return the world to the gold standard. For a brief period in the mid-1920s they appeared to have succeeded. The world’s currencies were stabilized and capital began flowing freely across the globe. But beneath the veneer of boom-town prosperity, cracks started to appear in the financial system. The gold standard that all had believed would provide an umbrella of stability proved to be a straitjacket, and the world economy began that terrible downward spiral known as the Great Depression. As yet another period of economic turmoil makes headlines today, the Great Depression and the year 1929 remain the benchmark for true financial mayhem. Offering a new understanding of the global nature of financial crises, Lords of Finance is a potent reminder of the enormous impact that the decisions of central bankers can have, of their fallibility, and of the terrible human consequences that can result when they are wrong.

    Rational and successful investing is all about restraining and channelizing these emotions and understanding behavioral finance, not market sentiments, crowd behavior or company performances. At a time when market upheavals are eroding investors' confidence, dooming life's earnings and corporate fortunes, and whipping up mass hysteria-Value Investing and Behavioral Finance comes as an antidote to investor anxiety and a guide to sane and safe investment decisions. Using investing trends in Indian capital markets over the last three decades, it shows how collective behavioral biases affect investment decisions, returns and market vagaries. As a corrective, it spells out long-term value and contrarian investing strategies based on the principles of behavioral finance. Further, it advises on how to spot investment opportunities and pitfalls in commodity stocks, growth stocks, PSUs, IPOs, sectors and index stocks. It also alerts the reader to a 'bubble' or crisis situation, and ways to identify and insure against it.

    Page by page, you'll learnhow to create a portfolio with the widest diversification andlowest costs; one that can move up your financial freedom by adecade and dramatically increase your spending rate duringretirement. And all this can be accomplished by using some commonsense techniques.Along the way, Kevin and his dad discuss fresh, new approachesto investing, and detail some tried-and-true, but lesser knownapproaches. They also take the time to debunk the financial mythsand legends that many of us accept as true, and show you what itreally takes to build long-term wealth with less risk.Discusses how to design a portfolio composed of a few basicbuilding blocks that can be "tweaked" to fit your personalneedsAddresses how you can reengineer your portfolio in order tostop needlessly paying taxesReveals how you can increase returns, regardless of whichdirection the market goes, by picking the "low-hanging fruit" weall have in our portfoliosWith just a little time and a little work, you can become abetter investor. With this book as your guide, you'll discover howa simpler approach to today's markets can put you on the path tofinancial independence.

    It seldom happens but it does happen, as the names of William Eckhardt, Ed Seykota, Jim Simons, and many others remind us. And you can be one of them. 'Trading Systems' is an insight into what a trader should know and do in order to achieve success on the markets. You don't need to be a rocket scientist to build a winning trading system.Divided into three parts, this book highlights exactly how you can build that system.

    Best-seller!

    

    Smith is a legend in the world of finance. Part adventurer and part economic warrior, this Indiana Jones of the financial world was an advance man for the forces of globalization, having spent more than thirty years traveling through five continents, buying and selling high-risk securities in the world's most downtrodden economies. So tenuous was his operation and so covert the transactions, that an overnight fluctuation in a country's currency rate could mean the difference between a spectacular profit or a devastating loss. Today, the trade in emerging market debt is worth more than five billion dollars a day, but it was virtually nonexistent when Smith, a one-time collections lawyer, pioneered the business in the late 1970s. Riches Among the Ruins is the extraordinary story of Robert Smith's search to make money doing the riskiest kind of business. We are at his side as he travels through the treacherous and exhilarating world of the debt trader, dodging bullets and roadside bombs in post-Saddam Iraq, and risking his life on the chaotic streets of Nigeria. As he engages in a battle of wills with businessmen in Istanbul, and loses millions overnight in the ruins of the post-Soviet Russian economy, we experience all of the thrill and terror that accompanies making big money in emerging markets. At once adrenaline-fueled and utterly compelling, this is the gripping story of one man's quest for fortune where others fear to tread.

    With its invaluable insights and practical advice, the discussion is aimed at both novice and experienced investors who want to know why the real estate cycle moves as it does, how it can be forecasted in advance, and how best to profit from this knowledge.

    This groundbreaking brainwave technology can turn on your power to attract goodness, abundance and prosperity in any area of your life. There is no use of self-hypnosis or subliminal messaging. In less than 30 minutes the main track will even help you create wealth in your sleep. With this audio financial abundance and wealth creation is a real and tangible idea. This technology will move you forward and improve yourself in every aspect. Knowing that there are different ways to be a better person is a mindset that will help you in wealth creation in the long run. This will unlock a powerful key in your life. The purpose of the technology is not so much about reprogrammingA" yourself, but it's about teaching your mind how to do things differently. This audio uses techniques that get right to the core of the problem, and in rapid time. Using up to date methods of paraliminals with brainwave technology this audio overcomes the need to use self-hypnosis. The best time to listen to this is through the daytime, or when you are alert. For the best results it is advisable to listen to this audio through stereo headphones. Please ensure you know which part of the earpiece set is for the left and right ear, and wear accordingly. However, if you are left handed reverse the headset, so that the right earpiece is in or over your left ear, and the left earpiece is over or in your right ear.

    His proven-effective, professional selling strategies have helped them learn how to help more of their clients make financial planning decisions. If you represent any type of financial product, this book will help you make more sales. . Learn effective ways to talk with clients and calm their fears. . Ask the right questions to get them talking about their needs so you can provide your best service. . Increase your sales ratios with closing strategies that just make sense to your clients. . Grow your business with powerful, yet simple referral strategies. The companies you represent may provide excellent product knowledge, but Tom Hopkins will teach you how to sell those products more effectively and efficiently than ever before!

    

    This comprehensive text links finance theory and practice to human behavior with applications in every chapter. The book builds upon principles of finance, connecting content to psychological principles of behavioral finance, including heuristics and biases, overconfidence, emotion and social forces. Readers learn how human behavior influences the decisions of individual investors and professional finance practitioners, markets, and managers. The book clearly explains what behavioral finance indicates about observed market outcomes as well as how psychological biases potentially impact the behavior of managers. Readers see, first-hand, the implications of behavioral finance on retirement, pensions, education, debiasing, and client management. This book spends a significant amount of time examining how practitioners today can use behavioral finance to further their success.

    

    This book helps parents teach their children about money management the way the rich taught their children. In Simplified Chinese.

    Extensive research shows that many of the fundamental concepts used in the current retirement planning practice are mostly useless. Myths and untruths about the importance of asset allocation, diversification, sustainable withdrawal rates, efficient frontier, time horizon are explained in detail. The futility of the prevailing Gaussian mindset in current investment planning is demonstrated with examples and case studies. The concept of Time Value of Fluctuations, non-Gaussian optimum asset allocation, the luck factor, reverse dollar cost averaging, warning signals of diminishing luck, various asset allocation, dedication and selection strategies are covered in detail. Finally, solutions for lifelong income, what works and what does not work are offered using numerous examples. The Zone; strategy that enables you to select and combine all income classes such as investment portfolios, life annuities, variable annuities with guaranteed withdrawal or guaranteed income in a Perfect Mix for guaranteed lifelong income.

    By providing straightforward examples, it demystifies traditional measures like the IRR and challenges many of the common assumptions about this asset class. Readers take away a set of practical measures that empower them to better manage their portfolios.

    

    The Whalens draw from their own experiences of their first ten years of marriage to create a resource that provides both a helpful hand and a hopeful word for couples who need to get and keep their finances in order and nurture their marriage at the same time.

    This comprehensive guide covers the main "rates" products, including swaps, options (cap/floors, swaptions), CMS products, and Bermudan callables. It also covers the main valuation techniques for the exotics/structured-notes area, which remains one of the most challenging parts of the market.Provides a balance of relevant theory and real-world trading instruments for rate swaps and swap derivatives Uses simple settings and illustrations to reveal key results Written by an experienced trader who has worked with swaps, options, and exotics With this book, author Amir Sadr shares his valuable insights with practitioners in the field of interest rate derivatives-from traders and marketers to those in operations.

    What's complicated is what we do with money. We use money to soothe our feelings and buy respect, to show how much we care or how little. We don't simply earn, save, and spend money: we flirt with it, crave it, and scorn it; we punish and reward ourselves with it.Without realizing it, we give money meaning it doesn't really have--what former psychiatrist and current business coach David Krueger calls our "money story." And in the process of playing out that money story, we often sacrifice the most important things in our life: our health, freedom, relationships, and happiness.What is your money story?Do you consistently spend more than you have?Do you follow the herd in your investments--even though you know the herd is usually wrong?Have you neglected to save for the future, even when you have the means?Do you feel controlled or shackled by debt?Is your money somehow never "enough"?Is money, or the lack of it, always on your mind?The Secret Language of Money is a guided tour to the subconscious meanings we give money, the conflicted ways our braindeals with money, the reasons we tend to make the same money mistakes over and over--and most importantly, how you can change all that.A brilliant blend of cutting-edge science and real-world application, The Secret Language of Money helps you rewrite your money story and find that elusive balance of wealth, health, and joy we all seek.

    

    D. Gann's Commodities Trading Course is an extensive course. This course gives you a number of different trading techniques and skills. Which include: charting, chart interpretation, using Gann Angles, Squaring Price and Time, using Gann Squares, Square of Nine, Gann Numbers, Gann Calculators and more. This course consists of Gann's original course he sold in the early 1950's for a reported $5,000. Here is a listing of the subjects covered in this Course:Speculation; a Profitable Profession.Mechanical Method and Trend IndicatorRules for Trading in GrainsThe Basis of My Forecasting Methods for GrainsForecasting by Time Cycles.The Basis of My Forecasting Method for CottonMechanical Method and New Trend Indicator for CottonCash and May Soybean FuturesMaster Egg CourseMaster ChartsSupplement Section

    At the core of these activities is the credit agreement--a complicated document that often acts as an obstacle even to the professionals and support personnel who work with it every day.From determining the terms of the agreement to managing defaults, assignments, and competitive bids, this comprehensive reference tool unlocks the heart and soul of the loan market for institutional investors and professionals in financial and corporate lending firms. Operations personnel who are responsible for executing and managing credit agreements will find it invaluable.The LSTA's Complete Credit Agreement Guide goes far beyond the fundamentals to provide:Unmatched coverage on the nuts and bolts of the credit agreement In-depth discussions that include all the nuances of today's global marketplace Insightful explanations that address how to manage situations that go off course With The LSTA's Complete Credit Agreement Guide, all the answers are at your fingertips. Sponsored by the Loan Syndications and Trading Association (LSTA) and written by the partners at Milbank, Tweed, Hadley & McCloy, it provides a definitive road map to managing the entire credit agreement process.

    He has earned universal acclaim for his gubernatorial management of India's calibrated financial integration with the global economy.These essays provide informed critical insights into the making of public policies across a spectrum of areas during those years, while presenting an inside view of the dynamics that are played out behind the scenes. They respond to the interest in India's management of a financial sector that has facilitated growth while maintaining stability, markedly contrasting to the fragile financial climate of the USA. The volume describes India's financial situation, the Reserve Bank of India's perspective, and its policies. 'India and the Global Financial Crisis' was selected as Financial Book of the Year 2010 by 'China Business News'.

    It tackles the most commonly used valuation methods in a quick and easy - yet comprehensive - way.

    Various TVM concepts and theories are discussed, with the authors offering many examples throughout each chapter that serve to reinforce the tools and techniques covered. Problems and detailed solutions-demonstrated using two different financial calculators, as well as Excel-are also provided at the end of each chapter, while glossary terms are provided in an appendix to familiarize you with basic terms.Provides the basic foundations of the time value of money Covers issues ranging from an introduction of financial mathematics to calculating present/future values and understanding loan amortization Contains problem/solution sets throughout, so you can test your knowledge of the topics discussed Understanding the time value of money is essential, and this reliable resource will help you gain a firm grasp of its many aspects and its real-world applications.

    In short order, Montier shreds the 'efficient market hypothesis', elucidates the pertinence of behavioral finance, and explains the crucial difference between investment process and investment outcomes. Montier makes his arguments with clear insight and spirited good humor, and then backs them up with cold hard facts. Buy this book for yourself, and for anyone you know who cares about their capital!" --Seth Klarman, President, The Baupost Group LLC The seductive elegance of classical finance theory is powerful, yet value investing requires that we reject both the precepts of modern portfolio theory (MPT) and pretty much all of its tools and techniques.In this important new book, the highly respected and controversial value investor and behavioural analyst, James Montier explains how value investing is the only tried and tested method of delivering sustainable long-term returns.James shows you why everything you learnt at business school is wrong; how to think properly about valuation and risk; how to avoid the dangers of growth investing; how to be a contrarian; how to short stocks; how to avoid value traps; how to hedge ignorance using cheap insurance. Crucially he also gives real time examples of the principles outlined in the context of the 2008/09 financial crisis.In this book James shares his tried and tested techniques and provides the latest and most cutting edge tools you will need to deploy the value approach successfully.It provides you with the tools to start thinking in a different fashion about the way in which you invest, introducing the ways of over-riding the emotional distractions that will bedevil the pursuit of a value approach and ultimately think and act differently from the herd.

    So why leave anything to chance? This best-selling book can help you tackle a potentially difficult and very emotional process. In plain English, it explains:When to re-do your willMistakes people make when trying to avoid probateRules for IRA inheritorsHow to hire a lawyerKey documents to protect yourself if you become ill or disabledHow to appoint a guardian for childrenHow custodial accounts and 529 plans affect financial aidThe fourth edition, which replaces earlier editions, is completely revised to include how income taxes affect estate planning, the pros and cons of credit shelter trusts and the law on planning for same-sex couples. Celebrity case studies illustrate estate planning strategies and mistakes by, among others: Humphrey Bogart, Lauren Bacall, James Gandolfini, Philip Seymour Hoffman, John Updike and Adam Yauch.

    In this book, sharemarket expert Alan Hull provides all types of investors with simple but effective methods for keeping one step ahead of the market using low-risk, tried-and-tested techniques.Fully revised and updated due to popular demand, this new edition will show you how to profit in all sharemarket conditions. You'll discover:when to buy shares, when to hold them and when to keep your money in the bank how to survive volatility and even profit in a falling market how to sensibly use CFDs and protect your portfolio from market risk. Manage your portfolio like a professional -- become an active investor!

    This investment is one of the least publicized and safest ways of investing in real estate, designed to give the investor either a fixed return, as in the case of investing in tax liens, or a property for 10 to 50 cents on the dollar, as in the case of a tax deed sale. In most situations, the property is ultimately transferred free of any liens, such as mortgages."Profit by Investing in Real Estate Tax Liens" also debunks the common myth that tax delinquent properties are run-down and shows that liens exist on every type of property. Author Larry Loftis, an attorney and active investor, has purchased liens on properties owned by Julius "Dr. J" Erving, Hector "Macho" Camacho (world champion boxer), "Chase Manhattan Bank," "LaSalle National Bank," and even a building whose major tenant was the local sheriff's department!In this fully revised and updated guide, Loftis helps investors avoid the pitfalls while answering all the key questions and facts they need to consider, including: what the difference is between investing in tax liens and tax deeds; how an investor goes about bidding at tax sales and the applicable process; the different requirements in each state; the greatest risks in real estate investing; how to use the internet to purchase liens across the country; updated information for tax and other laws affecting the purchasing of tax liens; and helpful forms, contracts, and sample letters.For investors eager to get started, Loftis's action plan provides details on the next steps to take, while real-life examples in every chapter bring the concepts down to earth.

    Smith's accessible nine-step plan to take control of your financial future will resonate whether you're just starting out or finding yourself midlife with concerns about your retirement. In The Black will transform your retirement plans, regardless of income, by offering concrete advice on what opportunities are available and using real-life examples to illustrate how anyone can achieve their financial dreams be they middle- aged and facing debt or actively saving since their early twenties.In clear, easy-to-follow steps, readers will learn how to:Overcome historical resistance to investingSave for retirement while keeping kinship ties intactUse faith as a motivator for saving and strengthening financial disciplineBreak through denial about changes in Social Security and pension plans. . . and much more.

    This comprehensive guide covers the main rates products, including swaps, options (cap/floors, swaptions), CMS products, and Bermudan callables. It also covers the main valuation techniques for the exotics/structured-notes area, which remains one of the most challenging parts of the market.Provides a balance of relevant theory and real-world trading instruments for rate swaps and swap derivatives Uses simple settings and illustrations to reveal key results Written by an experienced trader who has worked with swaps, options, and exotics With this book, author Amir Sadr shares his valuable insights with practitioners in the field of interest rate derivatives-from traders and marketers to those in operations.

    I.O.U. is the story of how we came to experience such a complete and devastating financial implosion, and how the decisions and actions of a select group of individuals had profound consequences for America, Europe, and the global economy overall. John Lanchester begins with "The ATM Moment," that seemingly magical proliferation of cheap credit that led to an explosion of lending, and then deftly outlines the global and local landscapes of banking and finance. Viewing the crisis through the lens of politics, culture, and contemporary history -- from the invention and widespread misuse of financial instruments to the culpability of subprime mortgages -- Lanchester draws perceptive conclusions on the limitations of financial and governmental regulation, capitalism's deepest flaw, and, most important, on the plain and simple facts of human nature where cash is concerned.Weaving together firsthand research and superbly written reportage, Lanchester delivers a shrewd perspective and a digestible, comprehensive analysis that connects the dots for the expert and casual reader alike. I.O.U. is an eye-opener of a book -- it may well provoke anger, amazement, or rueful disbelief -- and, as the author clearly reveals, we've only just begun to get ourselves back on track.

    Lack of personal, social, and material resources can create specific challenges for students, as well as for their schools and communities. Educators are key: Teachers are integral to the lives of so many young people who can and will achieve success if we understand them-and understand how to guide and teach them. Research-Based Strategies, an exciting revision of the Learning Structures Workbook, helps us do all that and more.

    Material covered includes the difference between stocks and businesses, what constitutes a good business, when to buy and sell stocks, and how to value individual stocks. The book also includes a chapter covering four case studies as well as a supplemental chapter on the pros and cons of real estate versus stock market investing.

    Companies of all sizes use financial models to analyze their finances and plan business operations, as well as to create financial accounting reports like balance sheets, income statements, and statements of cash flows.While many businesspeople are quite familiar with the reports created with financial models, most are not as familiar with the creation of the models themselves. This book shows them how to build an accurate and effective financial model using the solid functionality and easy usability of Excel.Fully updated and revised to include support for Apple usersWritten by a professor of management and statistics who has taught the discipline for fifteen yearsAppropriate for professional financial analysts, as well as MBA studentsFor professionals and students whose responsibilities or studies include a full understanding of financial modeling, "Next Generation Excel, Second Edition" offers comprehensive training.

    Through plain language and in a user-friendly format, David M. Weiss, author of After the Trade Is Made, outlines the many tools available and their unique functions, features, and structures. Weiss breaks financial instruments into four broad groups: equities, debt, derivatives, and mutual funds. Under each heading, he explores the many types of related products, including exotic investments such as: ? American Depositary Receipts ? Asset-Backed Securities ? Structured Debt ? Futures ? Swaps ? Unit Investment TrustsFinancial Instruments is an indispensable tool for finance professionals-portfolio managers, brokers, financial planners, and institutional investors. It's also a definitive resource for sophisticated individual investors.

    This handbook will appeal to graduate students of economics, banking and finance, academics, practitioners and policy makers. Consequently, the book strikes a balance between abstract theory, empirical analysis, and practitioner and policy-related material.The handbook is split into five parts. Part I, The Theory of Banking, examines the role of banks in the wider financial system, why banks exist, how they function, and their legal and governance structures. Part II entitled Regulatory and Policy Perspectives discusses monetary policy, prudential regulation and supervision, and antitrust policy. Part III of the book deals with bank performance. A number of issues are assessed including efficiency, financial innovation and technological change, globalization and ability to deliver small business, consumer, and mortgage lending services. Part IV of the book provides an overview of macroeconomic perspectives in banking. This part of the book includes a discussion of the determinants of bank failures and crises, and the impact on financial stability, institutional development, and economic growth. Part V examines International Differences In Banking Structures And Environments. This part of the handbook examines banking systems in the United States, Western Europe, Transition countries, Latin America, Japan and the Developing nations of Asia.

    There is very little theoretical discussion about computer science, operations research algorithms, mathematics, or finance. The thrust of the book is to teach the reader to break complex tasks down into simple tasks. It then looks to implement those simple tasks into VBA code using a critical subset of the features of the language. The tentative contents is: (1) Why? What? Who? Where? and How? (2) Common Sense (3) Securitizing A Loan Portfolio (4) Understanding the Excel Waterfall (5) Designing the VBA Model (6) Laying the Model Groundwork (7) Recorded Macros: A First Look at the VBA Language (8) Writing Menus: An Introduction to Data, Ranges, Arrays, and Objects (9) Controlling the Flow of the Model (10) Building Messaging Capabilities (11) Designing the Model's Reports (12) Main Program and Menus (13) Writing the Collateral Selection Code (14) Calculating the Cash Flows (15) Running the Waterfall: Producing Initial Results (16) Debugging the Model (17) Validating the Model (18) Running the Model (19) Building Additional Capabilities (20) Documentation of the Model (21) Managing the Growth of the Model (22) Building Portfolio Monitoring Model (23) Valuation Techniques: How do we Determine Price? (24) Challenging Times For the Deal (25) Parting Admonitions

    The authors show that the recent financial crisis cannot be understood simply as a malfunctioning in the subprime mortgage market: rather, it is rooted in a much more fundamental transformation, taking place over an extended time period, in the very nature of finance. The 'end' or purpose of finance is to be found in the social institutions by which the making and acceptance of promises of payment are made possible - that is, the creation and cancellation of debt contracts within a specified time frame. Amato and Fantacci argue that developments in the modern financial system by which debts are securitized has endangered this fundamental credit/debt structure. The illusion has been created that debts are universally liquid in the sense that they need not be redeemed but can be continually sold on in increasingly extensive global markets. What appears to have reduced the riskiness of default for individual agents has in fact increased the fragility of the system as a whole. The authors trace the origins of this profound transformation backwards in time, not just to the neoliberal reforms of the 1980s and 90s but to the birth of capitalist finance in the mercantile networks of the sixteenth and seventeenth centuries. This long historical perspective and deep analysis of the nature of finance enables the authors to tackle the challenges we face today in a fresh way - not simply by tinkering with existing mechanisms, but rather by asking the more profound question of how institutions might be devised in which finance could fulfil its essential functions.

    Paul Do explains how to build a property portfolio using research, rather than legwork, allowing you to invest in the best properties in the most effective way. His tried-and-tested SYSTEM TTM framework is perfect for beginning and experienced investors alike.In this insightful book you will discover: how to determine the right time to buywhy buying a property every year is the wrong thing to dowhy some people are better off renting than buyingwhy selling should be a last resortwhy other property investing strategies are no longer effective.

    They include fluctuations in the stock market, commodity prices, economic activity, wars, civilizations, global climate, ice-ages, geological formations, and abundance of life on Earth. This book examines all of these cycles, plus more. In addition, the Unified Cycle Theory makes predictions about our universe. If you're interested in history, science, geology, physics, astronomy, climatology, biology, mathematics, psychology, sociology, philosophy, economics, or investment theory, then read on. The theory includes portions of all of these academics. Furthermore, this book covers cycles ranging as short as 27 days to ones spanning billions of years. The evidence comes from a variety of scientific, academic, and business sources - which this book methodically details. In spite of the great advances in identifying cycles, this increased knowledge yielded little in the way of providing a consensus about why they occur. This book attempts to correct that shortcoming. These chapters step back, dispose all preconceptions, reexamine the wealth of information available, and use deductive processes to formulate a new theory.

    But sadly, it often doesn’t work out. Financial woes and marriage troubles can rob couples of precious opportunities to savor the blessings of companionship, family, and peace that God intends for His people.Money and Marriage God’s Way will help you discover God’s approach to growing your finances and strengthening your relationship with your mate. It highlights key issues like debt, conflict, spending, investing, saving, and budgeting. Regardless of the books, magazines, or television programs you’ve seen, nothing compares with money and marriage God’s way.Unique features include stories of real-life couples, discussion of common difficulties and solutions based on Biblical principles, and end-of-chapter interaction sections.

    But in 2008, Washington policymakers were compelled to replace private risk-takers in the financial system with government capital so that money and credit flows wouldn't stop, precipitating a depression.Washington's actions weren't the start of government distortions in the financial industry, Nicole Gelinas writes, but the natural result of 25 years' worth of such distortions.In the early eighties, modern finance began to escape reasonable regulations, including the most important regulation of all, that of the marketplace. The government gradually adopted a "too big to fail" policy for the largest or most complex financial companies, saving lenders to failing firms from losses. As a result, these companies became impervious to the vital market discipline that the threat of loss provides.Adding to the problem, Wall Street created financial instruments that escaped other reasonable limits, including gentle constraints on speculative borrowing and requirements for the disclosure of important facts.The financial industry eventually posed an untenable risk to the economy -- a risk that culminated in the trillions of dollars' worth of government bailouts and guarantees that Washington scrambled starting in late 2008.Even as banks and markets seem to heal, lenders to financial companies continue to understand that the government would protect them in the future if necessary. This implicit guarantee harms economic growth, because it forces good companies to compete against bad.History and recent events make clear what Washington must do.First, policymakers must reintroduce market discipline to the financial world. They can do so by re-creating a credible, consistent way in which big financial companies can fail, with lenders taking their warranted losses. Second, policymakers can reapply prudent financial regulations so that markets, and the economy, can better withstand inevitable excesses of optimism and pessimism. Sensible regulations have worked well in the past and can work well again.As Gelinas explains in this richly detailed book, adequate regulation of financial firms and markets is a prerequisite for free-market capitalism -- not a barrier to it.

    Written by an experienced trader in a clear, conversational style and assuming no previous background in finance, The Practical Guide to Wall Street provides a thorough schooling in the core curriculum of the equity and equity derivatives sales and trading business - exactly what you would learn from sitting beside the traders at a tier-one Wall Street investment bank (except that in practice, traders rarely have time to provide such detailed explanations!) Topics covered include: Clear, detailed and intuitive explanations of all major products, their function, pricing and risks (several of which are unavailable anywhere else despite producing billions of dollars in annual revenue for Wall St.) The layout of the trading floor, the roles and responsibilities of the different sales and trading groups and how they interact to service the client business An overview of the structure of the macro-economy and the trader's perspective on the significance of economic data releases and their impact on the financial markets A review of those concepts from fundamental valuation and financial statement analysis of greatest relevance on the trading floor (as opposed to abstract valuation models) Practical details of the structure and functioning of the equity and derivative markets including translations of trader jargon, Bloomberg tips, market conventions, liquidity and risk considerations and much more... This book provides the first comprehensive explanation of all aspects of the functioning of the equities division, with information, details and insights previously only available to those who already worked on a trading floor. The availability of this material in a format accessible to non-professionals fundamentally changes the level of industry knowledge employers in the financial services industry can expect of new hires.

    Using Morningstar's time-tested strategies and sensible approach to money management, Morningstar's 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances breaks down important financial tasks into do-able chunks, each of which can be accomplished in 30 minutes or less. The practical, no-nonsense book Lays out the tools to get organized, including how to create a filing and bill paying system Details how to find the best uses for one's money, as well as how to properly invest for savings, college, and retirement Other titles by Benz: Morningstar® Guide to Mutual Funds: Five Star Strategies for Success These are uncertain times. Morningstar's 30-Minute Money Solutions provides expert guidance on all aspects of personal money management, and it does so in quick, easily digestible steps.

    It provides in-depth, easy to understand analysis of different asset protection entities as they relate to real estate investing.

    It is a tale of human struggle that transcends time and place to strongly echo our modern family situations and current economic times. Addie's quiet courage will resonate and inspire readers.Addie, a small-town girl from deep in the heartland of America, begins her story in 1915 as wheat prices are booming. She shares the day-to-day unfolding of her life and the life of her family as they deal with the turbulent US economy of the 1920s and 1930s. During this period the price of wheat drops, followed by precipitous declines in stocks, minerals and farmland. The story ends in 1935 as the family grapples with the effects of the Great Depression and the Dust Bowl. Addie s vivid memories transport the reader back to the hardscrabble life that was typical for rural Americans of her generation. Throughout it all, Addie offers a true and fair chronicle of daily life. She invites readers to come to their own conclusions about people, events and what constitutes the good life.In the process, Addie of the Flint Hills weaves a complex tale of ordinary folks struggling with familiar themes: a father s work takes him far from home, a highly- educated woman and mother is alone, and a young girl never learns that she is beautiful. As we follow her adventures, we watch a shy and self-effacing young woman, one who has no idea of her true inner and outer beauty, finally come into her own. For her part, Addie has learned that with age comes acceptance and insight, and sometimes, even, a bit of wisdom. The final chapters will melt your heart. Praise for ADDIE OF THE FLINT HILLS "...riveting... it adds an important perspective to our present-day angst about the economy and our stressed environment...I was reminded of Willa Cather s poignant portraits of life on the evocative but unforgiving midwestern prairie. "-John Hennessey, the former dean of the Tuck School of Business, Dartmouth College"...a hauntingly beautiful memoir ... that adds to the growing literature about life on the Great Plains. Like Willa Cather's My Antonia, She evokes the human drama set within an epic-scale landscape."-Denise Low, Poet Laureate of Kansas 2007-2009"... a gem... [the] Flint Hills past, brought back to life ... It puts you in contact with a mysterious resilience, with the sheer beauty of life blossoming, no matter what."-Dr. Margory Stewart, Washburn University, Topeka, KS "Unique and universal, the remarkable life story of Adaline Rogler Sorace looks to the past with affection, honesty, and clarity of insight. In a voice distinguished by intelligence and refinement she recounts a story of the Flint Hills as strong and as deep as the prairie grass. -Jim Hoy, author of Flint Hills Cowboys "... the photographs are pitch-perfect vernacular imagery at its best."-Jeff Curto, photographer and co-ordinator of the College of DuPage Photography Program "An intriguing view of the early twentieth century. The story carries the reader into a place and time long gone." -Pamela Riney-Kehrberg, Author and Director, Agriculture History and Rural Studies Program, Iowa State University

    Everything independent professionals need to know about business deductions and record keeping.

    However, while the country shows emerging characteristics, its stock market is highly developed. It is one of the oldest stock exchanges in the world and is the eighteenth largest in the world in terms of market capitalisation and trade. It is by far the largest of Africa's 29 exchanges and accounts for over a third of the stocks listed on the continent. It is an integral part of the world-class financial infrastructure of the country, and South Africa was ranked first of 139 countries for its regulation of securities exchanges by the World Economic Forum in 2010. Global emerging markets are evolving into developed markets, while frontier markets are becoming the new emerging markets. Understanding the South African market provides insight into the paths that these markets will follow in future. Similarly, the techniques highlighted in the book for dealing with volatility are applicable to similar markets elsewhere. Second, South Africa is the newest member of the BRICS grouping. This gives it the role of Africa's representative and it is of particular interest to China as a bridgehead to access this resource-rich continent. Third, it is a gateway into Africa, both directly in terms of its highly developed financial, legal and banking infrastructure and indirectly, through the exposure of many of its top corporates to African countries. Finally, it is an attractive market in its own right. It has been the third-best performing stock market in the world since 1900, and has weathered the great financial crisis with flying colours. While the investment lessons from the South African market outlined in this book are universal, understanding some of its peculiarities is also important. For example, some insight into the behaviour of the currency, the rand, is clearly critical in terms of any investment in this market, as well as in providing some understanding of other volatile emerging market currencies, and also because it is often treated as the most liquid proxy for these currencies, particularly during upheavals. In addition, traditional macroeconomic approaches to investment in this market often don't work because of the weak correspondence between the compositions of the economy and the market and the dominance of resources, a fact which is usually missed by analysts in developed countries. Unlike the promises in many populist investment books, this book won't make you immensely wealthy quickly. It may not even make you immensely wealthy slowly. What it will do is explain the most important features of how the stock market works; guide you into forming realistic expectations; help you to avoid the most common pitfalls and evaluate investment information critically and show you how to reduce risk and enhance returns. It should save you money and time and I hope it provides new and practical insights, regardless of your investment experience.

    You're up-and-running, your products and services are selling, and you are working as hard as you can. But where do you go from here? How do you get there? And how can you be sure your business will make you money now and for the long term?Found Money presents a new and powerful approach to small-business success. It helps you figure out, instantly, whether your business is on-track or flying off the rails (and how to correct it if it is flying off the rails). Not only does it help you understand how your business makes you money, but how to control that process as well. It offers accessible, easy-to-use tools and tactics to help you understand the links between what happens in your small business and the financial results you achieve so you can proactively create the financial results you want.Helps you maximize the money your small business makes by showing you where additional profit and cash flow is hiding right now in your business Steve Wilkinghoff is an accountant and consultant who helps businesses reach their full, money-making potential Foreword by Michael Gerber, preeminent small business guru If you own your own small business but don't know how to take control of the financial results it gives you, Found Money hands you the strategies, tactics and tools you need to take control, and direct and maximize the money-making process.

    

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    The leverage they provide allows small accounts to trade like big ones, without the normally associated risks. And, in times of financial turmoil, options can keep you from incurring catastrophic losses. There are many ways in which options can both protect your portfolio and help you profit--but in order to take advantage of these opportunities, you have to learn how to properly use options in your investment endeavors.As the cofounder and former chief options strategist for the Options University, and now as founder of ION Options, author Ron Ianieri is one of the most well-respected, and well-informed, individuals in this field. Over the course of his successful twenty-plus-year career in the options market, he has trained many professional traders, as well as numerous active investors. Now, with Options Theory and Trading, he shares his extensive experience with you.Based on a proven option-trading course created by Ianieri, which follows a logical step-by-step progression, this book opens with an in-depth explanation of option terms and theory in Part One--because learning the language and understanding the theory is the foundation upon which successful option strategies are built. Continuing along these lines, Ianieri takes the time to explore the unique risks and rewards of call and put options, and introduces you to the option pricing model, the "Greeks," and synthetic positions.In Part Two, Ianieri moves on to basic trading strategies involving stock and options, including the covered call/buy-write strategy, the covered put/sell-write strategy, the protective put strategy, the synthetic put/protective call strategy, and lastly, the collar strategy. In addition to this, you'll also discover the role of the "lean" in options trading and how to "roll" your position to establish a stream of income.While Ianieri demonstrates how well options function in unison with a stock position--enhancing potential gains, providing profit protection, and limiting the risk of the entire investment--he also examines how they can be even more effective when traded against each other. In Part Three, you'll gain an in-depth understanding of how to use vertical, diagonal, and time spreads in this way, and discover how straddles and strangles--which both feature the use of options in unison with one other--can help you achieve strong premium collection.Rounding out this detailed discussion of options is a close look at combination strategies. Part Four of Options Theory and Trading takes you through fully hedged strategies known as the Butterfly and the Condor, and offers practical advice on how and when to use them.In an environment of increasing volatility, there's great risk of market corrections endangering the capital of individual investors around the world. What you need to achieve long-term success in today's market is the right guidance. With Options Theory and Trading, you'll quickly discover how to use options to increase your portfolio's profit potential and reduce the risks you'll inevitably face.

    There's beenno reason to look for another. Warren Buffett, on the writings of Benjamin Graham Legendary investing author and philosopherBenjamin Graham lived throughinteresting times. Soon after his graduationfrom Columbia College, the nation enteredthe First World War. As the stock market fluctuatedin wild dips and peaks, the governmentseized control of the railroad industry, inflationand interest rates rose dramatically, andeconomic depression loomed on the horizon. During these events and perhaps inspiredby them Graham began writing articles for The Magazine of Wall Street, putting to paperhis earliest ideas on value investing and securityanalysis. For the first time, these important workshave been anthologized into a single volume. Benjamin Graham on Investing is a treasure troveof rare and out-of-print articles that documentthe early flashes of genius from a manwhose ideas and theories would revolutionizeinvestment philosophy and inspire the careersof such luminaries as Warren Buffett, SethKlarman, Charlie Munger, and countless othertop-tier investors. The early works of Benjamin Graham havenever been as relevant as they are today.The world's markets are undergoing changeon a scale not unlike that of Graham's era.David Darst, one of the world's most respectedexperts on asset allocation, provides insightfulanalyses connecting Graham's articles toevents today.Benjamin Graham on Investing is a timelessclassic that continues to have relevance morethan 30 years after the author's death.

    It occurs when solutions to address clients' needs are developed in collaboration and the resulting products and services are distributed through a flexible network of partners. Daniel Fasnacht's book, the first of its kind, discusses open business models in the context of the financial services industry. He elaborates the drivers for strategic change such as increasingly sophisticated clients or demanding shareholders among other trends, including the recent global financial crisis, and explains why the transition from a closed model of operation to open innovation is vital. Various case studies illustrate how to integrate the client into the firm's innovation process and emphasize the importance of smart client segmentation and a holistic advisory model to serve clients around the globe. Leaders must develop a set of new management practices to be able to invest in multiple strategic directions. They are responsible for giving clients a remarkable experience and for creating social relationship capital based upon an open innovation culture. Open Innovation in the Financial Services provides a much-needed framework for helping to understand industry dynamics in banking and to make the most of organizational energy by using open innovation to sustain profitable growth.The book comes at the right time and offers a new mindset for business - not only for expansion strategies in general, but especially during turbulent times.

    Written by some of the most recognized experts in the field, this book offers useful planning advice for people of various ages and income levels, including information on retirement planning, trusts, charitable contributions, gifts, life insurance, and wills. In this guide, you'll find up-to-the-minute facts, valuable insight, and solid strategies to help you preserve your wealth and plan your estate under current tax rules. The helpful companion website provides spreadsheets, tools, and additional reading to help you get organized, while the book's expert guidance provides the background information you need to prepare properly.Estate planning is a complex topic, made even more complex by constantly changing laws. Failing to plan properly can result in your loved ones losing out on much of your hard-earned assets, and researching the topic on your own can be a minefield of assumptions, misunderstandings, and potential legal consequences. New Rules for Estate, Retirement and Tax Planning helps you sidestep the confusion, distilling the information down to what's relevant and current. This practical resource covers a wealth of important issues, including:Estate planning, taxation, and investing for maximum growth The role of wills, executors, and trusts, and how to treat charitable contributions Life insurance, retirement planning, Social Security claiming strategies and the do's and don'ts of gifting Business planning, including succession, asset protection, and family limited partnerships You've worked hard your entire life. You managed to accumulate assets. New Rules for Estate, Retirement and Tax Planning will help you maximize the transfer of your assets to the people and charities you love rather than the federal government in the form of taxes.

    Your readers do too. That's why the 100 Answers to 100 Questions Series is coming to the rescue with its newest topical series--to help people find reliable answers they need to make the most of important areas in their lives. The series demystifies the answers to readers' most important questions about relationships, roles, life purpose, and destiny, both here on earth and beyond. People don't ask questions because they fear being judged or sounding "stupid." Sometimes people don't think they have a safe and trusted place to bring up puzzling topics. Sometimes people know something's wrong but don't know what to ask to begin sorting it out. And, let's face it; there are times when people feel like the questions are overwhelming or unanswerable. Questions and answers are presented in an innovative easy-to-use format that allows readers to quickly address the topics that are most important to them.

    The accompanying CD-ROM contains Excel worksheets that track the course of the book and allow you to build your own financial models. This comprehensive resource also covers important topics such as the concepts of valuation, sensitivity analysis, and contribution margin. Offers accessible guidance on building financial models using Excel 2007 Illustrates how to integrate financial statements such as the balance sheet, income statement, and statement of cash flows Covers the basics of building and using a Capitalization Table Discusses how to best present a financial model Incorporating financial models into business decisions has become an essential element of good business practice, and this book will show you how to excel at this endeavor.

    What many do not realize is that the IRS is also looking forward to the day you retire. Our complicated tax system can mean the government is entitled to a significant amount of your retirement assets-unless you protect them properly.Now, Rick Rodgers, founder of one of the country's top wealth managers, helps you retain as much of your hard-earned retirement assets as possible. His unique Three-Legged Stool approach to financial security makes it both easy to understand how to achieve this retirement security and difficult to -lose balance--that is, to get off-track once you've established your plan.Rodgers will show you how to balance between the three -legs, - or components, you will need to create the most tax-effective financial structure.Leg One, Tax-Deferred Savings Strategies Leg Two, After-Tax Savings Strategies Leg Three, Tax-Free Savings Strategies Plus, a closer look atthe all-important Retirement Distribution (R/D) Factor Social Security Estate planning With real-life case studies, tips, and recommendations from Rodgers' own experiences as a Certified Financial Planner and Certified Retirement Counselor, this guide will help you establish a plan to build the retirement you and your family have always dreamed of-and deserve.

    . . and those who thrive?Through her groundbreaking research of the wealthy, trusted financial coach Jean Chatzky has identified the traits and habits of those who have moved from the lowest economic strata to the highest. The good news: These attributes, beliefs, and behaviors are all things you can learn. The Difference Wealth Building Journal is designed to help you take a close look at where you are now and provides a series of exercises to get you where you want to go. As you complete this journal, you will:•Take control of your spending (and find the cash to fund your dreams)•Overcome typical investment anxiety with a simple step-by-step plan•Break down long-term financial goals into manageable pieces•Evaluate your sense of optimism, resilience, and connection to others (and learn how these personality traits lead to wealth)•Discover that feeling grateful is the fastest way to feel richAs you’ll see, the difference is within you: You have the power to determine your financial future and make strides toward the next level of wealth.

    Modeling the term-structure movements of interest rates is a challenging task. This volume gives an introduction to the mathematics of term-structure models in continuous time. It includes practical aspects for fixed-income markets such as day-count conventions, duration of coupon-paying bonds and yield curve construction; arbitrage theory; short-rate models; the Heath-Jarrow-Morton methodology; consistent term-structure parametrizations; affine diffusion processes and option pricing with Fourier transform; LIBOR market models; and credit risk.The focus is on a mathematically straightforward but rigorous development of the theory. Students, researchers and practitioners will find this volume very useful. Each chapter ends with a set of exercises, that provides source for homework and exam questions. Readers are expected to be familiar with elementary Ito calculus, basic probability theory, and real and complex analysis."

    This book explains how the fresh economy bubble and the credit crunch - the follies of finance have threatened the stability of the world economy.

    In the past, Government workers earned less money but had slightly better job security and benefits than Americans working in the private sector. These days, government workers not only earn more than other Americans, but they have vastly superior benefits, including pension plans that often allow them to retire as early as age 50 with 100 percent or more of their final year's salary. These pensions often to $100,000 a year and come with cost of living adjustments and free lifetime medical care. Getting a government job and sticking with it is like winning the lottery. This plundering of treasuries, made possible by aggressive union tactics and spineless politicians, results in higher taxes and massive debts that ultimately will be borne by our grandchildren. The current situation is "unsustainable." The problem goes beyond finances. Government unions protect even the worst public employees from accountability. Schools don't attempt to fire incompetent teachers-and union protections make it nearly impossible to even fire ones accused of abuse and other misdeeds. As government gets bigger and more powerful, government officials have more uncontrolled power over the rest of us-to enrich and protect themselves at the expense of the public good. The public's servants have truly become the public's masters.

    You're up-and-running, your products and services are selling, and you are working as hard as you can. But where do you go from here? How do you get there? And how can you be sure your business will make you money now and for the long term?Found Money presents a new and powerful approach to small-business success. It helps you figure out, instantly, whether your business is on-track or flying off the rails (and how to correct it if it is flying off the rails). Not only does it help you understand how your business makes you money, but how to control that process as well. It offers accessible, easy-to-use tools and tactics to help you understand the links between what happens in your small business and the financial results you achieve so you can proactively create the financial results you want.Helps you maximize the money your small business makes by showing you where additional profit and cash flow is hiding right now in your business Steve Wilkinghoff is an accountant and consultant who helps businesses reach their full, money-making potential Foreword by Michael Gerber, preeminent small business guru If you own your own small business but don't know how to take control of the financial results it gives you, Found Money hands you the strategies, tactics and tools you need to take control, and direct and maximize the money-making process.

    The additional material and insight recorded in the Third Edition reflect his own growth as a decision analysis consultant, Rice faculty member, CEO of a large consulting firm, and maturing of his thinking. This book is an excellent resource for managers, technical professionals, and decision analysts, regardless of your experience level with decision analysis.Also, please note that the 3rd edition represents a significant upgrade relative to the 2nd edition, which was in and of itself a very populer publication with most DA practitioners.

    It discusses the art and science of middle market M&A as well the all-important psychology and behind-the-scenes negotiations pursued with a particular emphasis on obtaining the absolute highest value when selling a business. Subjects addressed include valuation, taxation, negotiations, M&A conventions, among many others from the buy-side and sell-side perspectives. Subtitled "Tales of A Deal Junkie," this serious but occasionally irreverent book tells it like it is, including anecdotes to provide a "feel" for what really goes on in middle market transactions. The author, a former practicing CPA and a business valuation expert, is a veteran M&A investment banker with years of real life experience. He also is a widely-acclaimed instructor in the M&A field and a nationally-respected practitioner who has trained thousands of investment bankers. No comparable book on the market today provides this degree of comprehensive and invaluable insight.

    Both shrill and moderate, the selections-by experts, policy makers, and concerned citizens-include complete articles and speeches, long book excerpts, and occasional cartoons and boxed quotations...all up to date and fully documented. The editing is intelligent and unobtrusive, organizing the material around substantive issues within the general debate. Brief introductions to each section and to each reading focus the questions raised and offer no slick answers." Booklist

    This title provides a thorough explanation of the nature and history of booms, bubbles and busts in financial markets.

    As such, they are at the core of any significant discussion relating to asset allocation, risk management, and portfolio design. The topics outlined and discussed in this text provide a meaningful stop on the road toward understanding the complexities and rewards of these instruments." --Garry Crowder, Director, Institute for Alternative Investment Education and Research Sponsored by the CAIA Association, the Chartered Alternative Investment Analyst (CAIA) program consists of a two-tier exam process (Level I and Level II) through which you may earn the CAIA charter. The Level I exam challenges your understanding of the alternative investment market's tools and terms, and tests your knowledge of various trading strategies and performance measurements. The Level II exam assesses how you would apply the knowledge and analytics learned in Level I within an asset allocation framework.CAIA Level II: Advanced Core Topics in Alternative Investments contains virtually all of the material on alternative investments that potential Level II candidates would need to know as they prepare for the exam--a multifaceted assembly of questions and problem-solving tasks. Since the tools and terms introduced in Level I provide the basis for the second level of this program, the information found here will continue to focus on alternative investments--hedge funds, private equity, commodities and managed futures, and credit derivatives--but in greater depth and in the context of risk management and asset allocation.Whether you're a seasoned professional looking to explore new areas within the alternative investment arena or a new industry participant seeking to establish a solid understanding of alternative investments, CAIA Level II: Advanced Core Topics in Alternative Investments is the best way to achieve these goals, and the smartest way to prepare for such a demanding exam.Take your first steps toward attaining the CAIA charter by picking up CAIA Level I: An Introduction to Core Topics in Alternative Investments.

    2007) predicts that the demand for person-to-person lending services may grow from $38 billion to $159 billion over the next five years.

    Follow the advice in "The Smartest Retirement Book You'll Ever Read" and you will: Find simple strategies to maximize your retirement nest eggSteer clear of scams that rob you of your hard-earned savingsEnsure that your money lasts longer than you doAvoid the common mistakes that can leave your spouse impoverishedDiscover financial lifelines no matter how desperate the economy"If you want a handy guide that provides information in small chunks, Solin's book is it." -"Newark Star-Ledger"

    And yet, most investors do not become wealthy by investing in the stock market, instead having experiences that range from inadequate to disastrous.So why the disconnect?The answer is found in a set of widely held, mistaken beliefs about what it takes to be a successful investor. At first glance, these investment myths seem grounded in logic. In reality, though, these beliefs provide investors with perfect blueprints for investment failure by encouraging in them an emotion-driven, trading-intensive mentality. These myths are propagated by Wall Street, which reaps huge profits from this behavior and by the financial media that is starving for sensationalistic content.As an independent investment advisor, Jack Calhoun has spent much of the past 15 years educating investors about the dangers of these mistaken ideas. In (i)The 12 Investment Myths(/i), he explores and debunks these myths one-by-one and in the process sets investors on a path to harness the tremendous wealth-creation machine that is the stock market.

    A brief overview of money's historical relationship to the commodities of gold and silver, including the author's prophetic view of a new stage in monetary technique wherein monetary status and pure commodity value may be reciprocally beneficial and ultimately advantageous to the economy at large.

    The major categories of free activities include “Around Town”, “Just Imagine”, “With Nature”, “Rituals and Routines”, and “Holidays”.Mack Thomas, father of five adult children, has written a score of children’s books, including bestsellers The First Step Bible and What Would Jesus Do? A winner of three ECPA Gold Medallions book awards, he lives in Oregon.