But regardless of how much we earn, the money worry never goes away. Bills, rent, EMIs, medical costs, vacations, kids' education and, somewhere at the back of the head, the niggling thought about being under-prepared for our own retirement. Wouldn't it be wonderful if our money worked for us just as we work hard for it? What if we had a proven system to identify dud investment schemes? What if could just plug seamlessly into a simple, jargon-free plan to get more value out of our money, and have a super good life today? India's most trusted name in personal finance, Monika Halan offers you a feet-on-the-ground system to build financial security. Not a get-rich-quick guide, this book helps you build a smart system to live your dream life, rather than stay worried about the 'right' investment or 'perfect' insurance. Unlike many personal finance books, Let's Talk Money is written specifically for you, keeping the Indian context in mind.

    . . The Wealthy Gardener is an intimate classic on money and success because it was written by a financially independent father for his ambitious son.The father and son met weekly to discuss lessons on prosperity. A parable was used to clarify financial insights and maintain the son’s interest. This private education between the father and son lasted two years. These two years culminated in this remarkable book.It is a treasure that you’ll want to keep on your desktop as a reference guide, review many times, and refer to your children, nieces, nephews and friends. Topics you’ll explore in the book. . . How the pursuit of wealth can be a noble adventure Why earning excess money is wise and necessary Why work that fulfills you is vital to amassing wealth How to surmount obstacles that trap the masses in debt and wage slavery How to engage free time to win your freedom How to use financial fears as compelling motivators How to tap intuition to sense opportunities and avoid calamity How to transform your financial life within five years How to cause lucky breaks through mental practices How to amass enough money to never again have to worry about money Excerpt from the book. . . They dubbed him the Wealthy Gardener due to his vast fortune and his passion for backyard gardening. The silly nickname stuck, and he didn't object to it. Instead, within a year he renamed his vineyards The Wealthy Gardens.He enjoyed the name because it reminded him of a metaphor comparing life to a plot of land.Gardeners are not afraid of working hard to shape their landscape, but they are also aware of a mysterious Unseen Force that operates behind the scenes to make the plants grow.

    You sacrifice to save. You risk your money in the market over your working lifetime and you trust your bank to treat you fairly. But your bank strips away half of your lifetime investment returns in fees. Without realizing it, millions of Canadians are in precisely this position.How does the industry pull this off? The big Canadian banks - and by extension our entire financial industry - occupy a position of paternalistic authority that too many individual investors respect unquestioningly. The industry brilliantly capitalizes on the combination of poor understanding of fees, deep loyalty, and misplaced trust by charging Canadians the highest investment fees in the world. There is a better way!

    We never have to pass a test to get our Money License before we can take a new credit card for a drive. Most of what we learn about money comes from advertising or from other people who know as little as we do. No wonder we make such basic mistakes. No wonder we feel disempowered and scared. No wonder so many of us just decide to stick our heads in the damn sand and just never deal with it. I wrote this book, because so many of the people I spoke to told me that they wished someone would. In this clear and engaging basic guide to managing your finances, Sam Beckbessinger covers topics from compound interest and inflation to “Your brain on money”, negotiating a raise, and particularly local South African phenomena like “black tax”. The book includes exercises and “how-to’s”, doesn’t shy away from the psychology of money, and is empowering, humorous and helpful. The book you wish you’d had at 25, but is never too late to read.

    Spend less than you earn and clear debt.2. Insure against disaster.3. Build up your savings and invest wisely.You will learn:• How to get out of debt as quickly as possible.• Techniques for good financial control, so you can avoid getting into debt again.• The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster.• How to save and invest simply and efficiently so that you can work your way towards future financial freedom.No matter your starting position, or your existing level of comfort with dealing with your money, Pete Matthew’s calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path.The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life.Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money today.

    It will teach you how to get a great credit score, how to save hundreds on bills, and offer practical advice on every difficult conversation you’ve been avoiding including:Housing (for renters and buyers)Student LoansPensionsPaying off debtStocks and sharesEthical investmentsMoney and Mental healthMoney and LoveThis essential book will give you the confidence and clarity to take back control of your bank account, enabling you to thrive in all areas of your life.

    Experienced real estate investor and early retiree, Chad Carson, shares his tried-and-true investment strategies to create enough passive income to retire at 37 years old. Packed with specific strategies, tips, and techniques you may have never learned before, this book will help you forge a new path toward your retirement. Learn from more than twenty real estate investors and early retirees profiled in this book—retiring early is possible with a step-by-step strategy at hand! Whether you’re brand new or already real estate investing, you can apply these lessons to retire early and live the life you want. Inside you’ll discover: • Step-by-step methods to use rental properties to retire in 10-15 years • Detailed case studies of ordinary investors who used real estate to retire early • How to produce rental income to pay all your bills (and never run out) • 4 practical, easy-to-follow strategies especially for brand new investors • Creative backup plans to stay flexible and help you sleep well at night • A 5-step process to create your customized real estate early retirement plan • And much more!

    But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress—affecting both your emotional and financial wellness.After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. In fact, that’s the only way your debt plan will work. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics.In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. (Collective gasp—how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan—the one that will help you finally put the debt behind you, start fresh and feel good about your money again.

    For most couples struggling to make their financial lives smoother, this is a good place to get the dialogue rolling." -USA Today #1 New York Times bestselling author David Bach has helped millions of couples plan for a future they love with more than 7 million of his books in print. And now, completely updated and revised, Smart Couples Finish Rich, America's favorite money book, is back. You'll discover the latest techniques to live a life as a couple, where your values align and your money decisions become easier. Whether newlyweds, a couple planning for retirement or already retired, this timeless classic provides couples with easy-to-use tools that cover everything from credit card management to detailed investment advice to long term care. Together you'll learn why couples who plan their finances together, stay together!

    The daughter of a successful investor and bestselling financial author of Rule #1, Phil Town, she spent most of her adult life avoiding investing—until she realized that her time-consuming career as lawyer was making her feel anything but in control of her life or her money. Determined to regain her freedom, vote for her values with her money, and deal with her fear of the unpredictable stock market, she turned to her father, Phil, to help her take charge of her life and her future through Warren Buffett-style value investing. Over the course of a year, Danielle went from avoiding everything to do with the financial industrial complex to knowing exactly how and when to invest in wonderful companies.In Invested, Danielle shows you how to do the same: how to take command of your own life and finances by choosing companies with missions that match your values, using the same gold standard strategies that have catapulted Warren Buffett and Charlie Munger to the top of the Forbes 400. Avoiding complex math and obsolete financial models, she turns her father’s investing knowledge into twelve easy-to understand lessons.In each chapter, Danielle examines the investment strategies she mastered as her increasing know-how deepens the trust between her and her father. Throughout, she streamlines the process of making wise financial decisions and shows you just how easy—and profitable—investing can be.Capturing a warm, charming, and down-to-earth give and take between a headstrong daughter and her mostly patient dad, Invested makes the complex world of investing simple, straightforward, and approachable, and will help you formulate your own investment plan—and foster the confidence to put it into action.

     Because these bonds serve as the foundation of our current financial system, when they are in a bubble, it means that all risk assets (truly EVERYTHING), are in a bubble, hence our title, The Everything Bubble. In this sense, the Everything Bubble represents the proverbial end game for central bank policy: the final speculative frenzy induced by Federal Reserve overreach. The Everything Bubble book is the result of over a decade of research and analysis of the financial markets and economy by noted investment analyst, Graham Summers, MBA. As such, this book is intended for anyone who wants to understand how the US financial system truly operates as well as those interested in the Federal Reserve’s future policy responses when the Everything Bubble bursts. To that end, The Everything Bubble is divided into two sections: How We Got Here and What’s to Come. Combined, these sections represent a blueprint for all things finance and money-related in the United States. This knowledge is now yours.

    It's always the same four or five instruments. All they end up making is a measly 8 to 12 percent per annum. Those who are exceptionally unfortunate get stuck in the middle of a crash and end up losing a lot of money. What if there was another way? What if you could make not 10 not 15 but 20 percent compound annual growth rate (CAGR) on your investments? What if there was a way to grow your money four to five times whilst taking half the risk compared to the overall market? Bestselling author of Gurus of Chaos and The Unusual Billionaires, Saurabh Mukherjea puts his money where his mouth is. Saurabh follows the Coffee Can approach to high-quality, low-risk investing. His firm, Ambit Capital, is one the largest wealth managers in India which invests with this approach and delivers stupendous returns. In Coffee Can Investing, Saurabh will show you how to go about low-risk investments that generate great returns.

    Profit First for Contractors addresses the major struggles contractors face and provides clear and actionable guidance on how to overcome them. Shawn shows contractors how to go from simply getting by to becoming permanently profitable. This book is for every construction business owner who dreams of prosperity. Using Van Dyke's Profit First for Contractors system, readers will learn how to:- Break out of the "craftsman cycle" - the seemingly never-ending loop of urgent tasks and responsibilities that keep contractors from gaining traction toward their important goals.- Understand the financial statements of their construction businesses and how to use them to determine the markup and margin that lead to profits.- Develop solid rules of thumb for the operation of their construction businesses.- Implement an effective cash management plan that simplifies accounting and leverages normal human behavior - checking the bank balances.Using real-life stories from actual construction business owners, step-by-step advice, and his conversational twang, Van Dyke puts permanent profitability within reach of every construction business owner.

    Joint Gold medallist at the Axiom Business Book Awards 2019 - Personal Finance / Retirement Planning / Investing. In The Behavioral Investor, psychologist and asset manager Dr. Daniel Crosby examines the sociological, neurological and psychological factors that influence our investment decisions and sets forth practical solutions for improving both returns and behavior. Readers will be treated to the most comprehensive examination of investor behavior to date and will leave with concrete solutions for refining decision-making processes, increasing self-awareness and constraining the fatal flaws to which most investors are prone. The Behavioral Investor takes a sweeping tour of human nature before arriving at the specifics of portfolio construction, rooted in the belief that it is only as we come to a deep understanding of "why" that we are left with any clue as to "how" we ought to invest. The book is comprised of three parts, which are as follows: - Part One - An explication of the sociological, neurological and physiological impediments to sound investment decision-making. Readers will leave with an improved understanding of how externalities impact choices in nearly imperceptible ways and begin to understand the impact of these pressures on investment selection. - Part Two - Coverage of the four primary psychological tendencies that impact investment behavior. Although human behavior is undoubtedly complex, in an investment context our choices are largely driven by one of the four factors discussed herein. Readers will emerge with an improved understanding of their own behavior, increased humility and a lens through which to vet decisions of all types. - Part Three - Illuminates the "so what" of Parts One and Two and provides a framework for managing wealth in a manner consistent with the realities of our contextual and behavioral shortcomings. Readers will leave with a deeper understanding of the psychological underpinnings of popular investment approaches such as value and momentum and appreciate why all types of successful investing have psychology at their core. Wealth, truly considered, has at least as much to do with psychological as financial wellbeing. The Behavioral Investor aims to enrich readers in the most holistic sense of the word, leaving them with tools for compounding both wealth and knowledge.

    Jay-Z's 4:44 is the blueprint to bridging the wealth gap & solving economic inequalities for African-Americans! Through deciphering all of the financial concepts delivered within the album, readers will be taught about: • How to Build Credit to Use as Leverage • How to Spend Money Wisely • Cooperative Economics and How to Start a Business • Creating Multiple Streams of Income • How to Invest Money in Order For it To Grow • How to Pass Down Wealth to the Next Generation

    When good recommendations go unimplemented, clients’ well-being is compromised, opportunities are lost, and the professional relationship grows strained. Advice that Sticks takes aim at the problem of financial non-adherence. Written by a neuropsychologist and financial change expert, this book examines the five main factors that determine whether a client will follow through with financial advice. Individual client psychology plays a role in non-adherence; so, too, do sociocultural and environmental factors, general advice characteristics, and specific challenges pertaining to the emotionally loaded domain of money. Perhaps most surprising, however, is the extent to which advice-givers themselves can foil implementation. A great deal of non-adherence is due to preventable mistakes made by financial professionals and their teams. The author integrates her extensive clinical and consulting experience with research findings from the fields of positive psychology, behavioural economics, neuroscience, and medicine. What emerges is a thoughtful, funny, but above all practical guide for anyone who makes a living providing financial advice. It will become an indispensable handbook for people working with clients across the wealth spectrum.

     Like it or not, a healthy credit score is essential if you want to participate in today’s financial world. But very few people actually understand how their credit score is determined. Worse yet, most don’t know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, here is a road map for navigating the confusing world of consumer credit. Drawing on the real stories of his own firm’s high-profile clients, as well as the stories of middle-class Americans, he reveals the hidden credit pitfalls that await even the most careful consumer and shares smart strategies to avoid them.  An accessible but detailed manual, Your Score finally lets readers take control of their credit score, understand how to play the game, and gain an insider’s knowledge of how to better navigate the most important financial decisions of their lives.

    until it doesn't. If you held only A-list stocks in 2007, your portfolio was still cut in half the very next year. Unless you've got a 30-year horizon that affords you the privilege of waiting out the bad times, you need a different approach. A trading system with no emotion. The Stock Market Cash Trigger is a mechanical model that takes emotion out of the mix. It automates decision making, and requires no special tools or software. Other timing models with proven track records are often built around proprietary algorithms and offered up as subscription alerts to the tune of $50, $75, $100 or more per month.All you need here is a computer, the chart page that comes bundled with your online brokerage account, and 5 minutes of your time a month. If you invest in stocks or ETFs, you can dramatically improve your returns. More than just protection, this model will show you how to profit from corrections, crashes and bears.-- Like Microsoft? If you had held it during 2008, you would have been down -44%. Had you employed the Stock Market Cash Trigger, you would have been up +27% that year.-- Like Exxon? From 2000 to 2017, you could have doubled your total return vs. buy-and-hold.-- Prefer an ETF? Buying and holding QQQ for the past 17 years would have gotten you a +91% total return. Trading QQQ based on the Stock Market Cash Trigger would have generated +1,050%.Yes, these are backtested returns, and there's no shortage of critics of backtesting. For that matter, there's no shortage of critics of mechanical trading systems, either. For the record, most investors would be well advised to buy wisely (that is, buy broad-market ETFs) and hold on for dear life.But if you can't? If you're time horizon isn't 30+ years? If you don't have the fortitude to ride markets up and then down, up and then down, ad nauseam? Then maybe you owe it to yourself to explore a simple method that reduces risk and volatility in your portfolio, and lets you sleep soundly at night without worries of market bears or bursting bubbles. A note from the author. "The Stock Market Cash Trigger is not magic and it's not rocket science. It's a technique hiding in plain sight on the simplest of stock charts.I didn't invent it, I just gathered up the puzzle pieces that were there on the floor all along; eliminated those that didn't fit, put the pieces that did into a structure, and verified results through backtesting.See if it doesn't open your eyes like it did mine." --DAC Is a market crash coming? We all know the answer to that. Just a matter of when. Get ahead of the inevitable and start protecting your investments today.Look below for "GET A COPY" and select the Kindle or Amazon button.

    In this lively, jargon-free book you'll learn how to kill off debt, curb spending, find your best KiwiSaver fund, save painlessly, buy a house - or be happy not buying one, and move confidently towards and through retirement. You'll also learn why setting and forgetting your investments is the best strategy. Find out what many banks, KiwiSaver providers, financial advisers, fund managers, stockbrokers, real estate agents, mortgage brokers, payday lenders and scammers don't want you to know - although the good ones will be happy enough. Unlike many writers of finance books, Mary is not selling any products or services (except this book!). She doesn't want to sign you up for costly advice or courses or investments. She just wants you to do well. She's on your side. 'Mary has that rare ability to cut through the jargon to what really matters. She combines expert wisdom and real-world insights, with fantastic results!' Diane Maxwell, Retirement Commissioner 'Mary Holm is in the first rank of New Zealanders offering simple and wise advice to those who want to take effective steps to secure their future financial wellbeing. This straightforward guide should help ordinary Kiwis navigate their way through the various traps they can fall into.' Michael Cullen, former Deputy Prime Minister and Minister of Finance

    In The Jewel of Abundance: Finding Prosperity through the Ancient Wisdom of Yoga, award-winning author and Kriya Yoga teacher Ellen Grace O’Brian reveals an overlooked aspect of yoga: its powerful teachings on prosperity.The Jewel of Abundance draws upon the ancient Vedic tradition of yoga philosophy and practice and shows how spiritual realization and earthly success go hand in hand, revealing a path to abundant living that is deeply satisfying, joyful, and purposeful.Review:“Yoga is the science of the self. It is a practical science that validates the knowledge that the self of the individual is the self of the universe. When you are one with the Source of existence, you are one with infinite abundance and with the unlimited potential of all manifestation. This jewel of a book will show you how to tap into your inner intelligence, the ultimate and supreme genius that mirrors the wisdom of the cosmos. Cultivate wealth consciousness, and affluence and prosperity will effortlessly flow toward you in all their manifestations.”— Deepak Chopra, bestselling author of The Seven Spiritual Laws of Success and You Are the Universe“The Jewel of Abundance will inspire, challenge, and motivate readers to discover and express their innate potential to experience excellence in all aspects of life. Having known Ellen Grace O’Brian for almost four decades, I am pleased to affirm her good character and total commitment to living the principles she so clearly explains.”— Roy Eugene Davis, founder and director of Center for Spiritual Awareness and author of Paramahansa Yogananda as I Knew Him“The Jewel of Abundance lays out a well-defined perspective on prosperity, wealth, and abundance. It presents a balanced view that takes into account common human needs and shows us simple ways to find happiness and satisfaction that lie beyond the accumulation of material objects. Ellen Grace O’Brian carefully and simply presents ancient wisdom so that one can easily begin to make the necessary changes to one’s lifestyle. One does not have to be a saint to follow the path of righteousness; one simply has to learn the ways of dharma, kama, and artha and apply them to one’s daily life. The Jewel of Abundance is a very valuable book containing gems of wisdom. It can help the world change its course from the present crisis of materialism to a sustainable lifestyle.”— Ela Gandhi, peace activist and founder of the Gandhi Development Trust“A perennial issue for professional yoga teachers and therapists is the perceived tension between the need for reasonable material prosperity and the desire for spiritual growth. Hence, The Jewel of Abundance is a timely, practical, and indeed inspiring guide for reconciling these conflicts based on the classic teachings of the purusharthas — the four aims of human life — and many other timeless lessons from the yoga tradition. As Yogacharya Ellen Grace O’Brian says, ‘Prosperity provides the means to fulfill our divine potential; it’s the vehicle for the divine dream to manifest.’ She writes paragraphs that are jewels in their own right. Thus my advice is to read as I did — slowly, to allow the time required to savor and reflect on her wisdom. Do her suggested practices. You will find yourself refreshed and renewed in both your work and your spirit.”— John Kepner, MA (Econ), MBA, C-IAYT, executive director of the International Association of Yoga Therapists“Wealth (artha) is a difficult and yet necessary topic for all to contemplate, as we live in a world of greed, competition, and selfishness motivated by scarcity and desires. Ellen Grace O’Brian has dived to the depths of the soul to transform our fears into courage and our sense of lack into our joy of abundance. She not only enlightens the reader about what true abundance is but also reassures the reader that it is reachable step-by-step. The Jewel of Abundance is accessible to a vast audience with transparent, graceful, and wise words.”— Swami Sitaramananda, acharya of International Sivananda Yoga Vedanta Centers“To live well is to thrive physically, emotionally, intellectually, and spiritually. But how? Most self-help books focus on one of these factors, often at the expense of the other three. Ellen Grace O’Brian’s The Jewel of Abundance recognizes the interdependence of all four. That’s because this is not a self-help book, but a Self-help book: a manual for liberating the soul that optimizes body, heart, mind, and spirit as well. Please don’t read this book. Practice it.”— Rabbi Rami Shapiro, author of Perennial Wisdom for the Spiritually Independent“Many of us aspire to purpose, and perhaps even enlightenment, in our lifetimes, but few realize that the path leads through prosperity and pleasure as equally important steps on the journey. Ellen Grace O’Brian’s clear and compelling words bring unique perspective to wisdom from ancient teachings, in language that is even more powerful today.”— Scott Kriens, chairman and former CEO of Juniper Networks and cofounder of 1440 Multiversity“Gaining true prosperity rests upon understanding our karmas and fulfilling our dharma, or soul’s purpose. Then we can achieve the outer success we need while continuing to progress along our spiritual path. In The Jewel of Abundance, Ellen Grace O’Brian provides us with the yogic keys to this process of realizing our inner abundance and letting it manifest in the world around us.”— Dr. David Frawley (Vamadeva Shastri), author of Yoga and Ayurveda and Shiva: The Lord of Yoga“Happiness, beauty, and abundance, symbolized by the goddess Lakshmi in yogic thought, arise along with Lord Vishnu, who represents wisdom, self-control, and detachment. Ellen Grace O’Brian reminds us that our outer life must be a mirror of our inner life in order for us to achieve our full potential in all that we do.”— Yogini Shambhavi, author of Yogini: Unfolding the Goddess Within and Yogic Secrets of the Dark Goddess“The Jewel of Abundance by Yogacharya Ellen Grace O’Brian is an excellent template to truly understand the meaning of artha as a tool to fulfill your dharma and continue to strive toward moksha. Perfect health is the foundation for right action, contentment, and nonsensorial happiness. O’Brian offers wonderful yogic tools to help you attract abundance and make a difference in your own unique way. Read, practice, and enjoy the gifts of human potential.”— Dr. Suhas Kshirsagar, BAMS, MD (Ayurveda), author of The Art and Science of Vedic Counseling and Change Your Schedule, Change Your Life “This epiphany-provoking, majestically written book, rich with life lessons and ancient wisdom, is a must-read. Every word rings with truth — it is a gem to be treasured. I stand in awe of Yogacharya O’Brian’s honesty and brilliance as a spiritual teacher and writer. The majesty of her prose powerfully yet gently guides humanity along an awakened journey toward thriving both materially and spiritually, despite crisis and loss or deep-seated patterns of depravity and lack. This book imparts truth, courage, inspiration, and hope. I recommend it to Vedic, yoga, and Ayurveda students worldwide.”— Acharya Shunya Mathur, founder and preceptor of Vedika Global and author of Ayurveda Lifestyle Wisdom“You are holding in your hands definitive proof that spirituality and prosperity are aligned. Even better, it’s an easy-to-read guidebook for letting go of limiting beliefs and the behaviors that are likely blocking access to happiness and abundance — what we might call ‘spiritual clutter.’ In this book, Ellen Grace O’Brian gives us the tools and instructions to set ourselves free and to thrive in this fast-paced, unpredictable world. The Jewel of Abundance shows us how simple and attainable wealth is, in every form. And the best news is, as with every great coming-home story, she reminds us that we were born with everything we need to succeed already!”— Andrew Mellen, speaker, professional organizer, and author of Unstuff Your Life!

     Discover 5 different paths that ordinary people took to become self-made millionaires. These are not trust-fund babies. They are just regular folks like you and me. The only difference is that every day they took another step down the path of wealth. Daily action. And the right kind of action. That's all it takes to become a self-made millionaire. In this book, you will learn about: The secrets that self-made millionaires used to grow their wealth The small things you can do that make a big difference The best morning routines and daily habits for success The books that had the biggest impact on these millionaires How to make money by investing in what you know How to create passive income and escape the trap of being an employee How to compound wealth like a savvy investor The one thing you should never do with your hard-earned cash (don't start investing until you read this) And much, much more Whether you are a college graduate, or high school dropout. . . Whether you are a small business owner, or an employee. . . Even if you know nothing at all about business or investing. . . This book will teach you how to build a better life for you and your family. Imagine how your life would change if you knew that you were on the proven path to wealth. Amazon best-selling author and retired hedge fund manager, Matthew Kratter has interviewed 5 of the most interesting self-made millionaires that you will ever meet. Are you ready to start down the path of becoming a self-made millionaire? Then scroll to the top of this page and click BUY NOW.

    Bestselling author and TrulyRichClub founder Bo Sanchez will tell you why and how you can get out of your prison of fear that has kept you stagnant in your finances, career, business, and even other parts of your life.First, he clarifies a core misunderstanding about God–that “He doesn’t run a fruit store but a seed store.” Diving deeper, Bo explains this beautiful mystery he calls “irrational generosity,”which creates multiplied miracles in your financial life as well as in other dimensions. Through Limitless, Bo will teach you how to get out of your comfort zone, enter your courage zone, and with God, cocreate your abundant destiny–not for your own empire but for His kingdom.

    It is based on 10 years of research of billionaires, serial entrepreneurs, Wall Street investors and highly paid employees. The book is entertaining to read and includes many insights backed up by scientific research and real-life examples of how to maximize your primary source of income and invest money with highest return. The concepts of the system are aimed at changing your financial mindset, revealing secrets of the richest people in the world and tuning your internal money magnet to work at full capacity.

    Christian millionaires or billionaires are not good role models.  And that is completely true. Or is it? Well…it turns out you can be a Christian millionaire (or billionaire), love God,  and do great things in the world. According to an independent study from the of the 13.1 million millionaires in the world, 7.4 million, or 56.2%, identify themselves as Christian. This is in contrast to: 6.5% who identified themselves as Muslim. 3.9% who identified themselves as Hindu. 1.7 % who identified themselves as Jewish. What are the secret success habits that caused THESE believers to be wealthy, while other believers are in poverty? Well, look no further as this book will answer that and much more. The results of these success habits are life-changing: One family was hopelessly in debt, hounded by creditors, and without hope. They learned a success habit and was out of debt in two years and became multi-millionaires. One man flunked out of nine jobs, learned a few success habits, and had success to the tune of one million dollars a week! One man used a success habit to combat a corrupt government. He used it to win an "impossible" battle and within weeks his company became the leading company in that country! One man used a success habit to bring his company from the brink of insolvency and within a couple of years sold it for $500 million In this book you're going to learn: How to make more money. How to accomplish more in a shorter time. How to take less and do more with it. How to find your place of greatest fulfillment And much, more more! Are you ready to start down the path of becoming a self-made millionaire? Then scroll to the top of this page and click BUY NOW.

    We wonder if we will ever experience financial freedom. We want to make wise decisions and spend money on what matters, but we just don’t know how.Financial advisor Emily G. Stroud is a mom, businesswoman, and entrepreneur. She has two decades of experience with helping people make smart choices about money. She knows that money can be one of the great causes of stress in life—but that it doesn’t have to be that way. Finances, in fact, can be a great source of joy, security, and hope.In Faithful Finance, Emily comes alongside you to: Develop a savings plan based on your unique goals Make a monthly budget that actually works for you Reduce your overall debt burden Plan for your children’s college years Insure your life without fear Leave a legacy through estate planning Encourage you to give generously And most importantly, discover the source of true wealth Presented in a conversational style, this practical guide offers ten life-changing secrets that work in every financial situation, for every income level, at every stage of life. With engaging stories and practical examples, Emily empowers you to make choices that will allow you and your loved ones to enjoy financial freedom for years to come.

    If you are a woman who wants to transform her life, you’ll find the answers in You’re Already a Wealth Heiress. Linda debunks current wealth-building myths and replaces them with concrete advice that gets results. You will be given a roadmap for wealth called your Millionaire Action Plan (MAP)™ and a Wealth Heiress Checklist of action steps for financial freedom. Unlike other financial books, you won’t hear about frugal lifestyles. You won’t be told to work until you drop. Instead, you will learn how to live your life to the fullest by creating spending priorities, discovering the secret of cycles, and tapping into the power of compounding.  This is your opportunity to have a personal wealth mentor, who herself made $2 million at age 39, show you the step-by-step path to financial freedom. Her award-winning podcast, Be Wealthy & Smart, is heard in 181 countries and has over 1.5 million downloads. Now you have all her experience and expertise right at your fingertips.

    It is not the original book nor is it intended to replace the original book. You may purchase the original book here: http: //bit.ly/RayDalioPrinciplesIn this fast guide you'll be taken by the hand through a summary and analysis ofThe main points made by the authorAn organized chapter by chapter synopsisReferences to noteworthy people mentionedThe author's most valuable tips, websites, books, and toolsMost CompanionReads may be read in 30 minutes.This book is meant for anyone who is interested in enhancing their reading experience. It will give you deeper insight, fresher perspectives, and help you squeeze more enjoyment out of your book. Perfect for a quick refresh on the main ideas or when you want to use it as a topic of conversation at your next meeting.Enjoy this edition instantly on your Kindle deviceEnjoy this edition instantly on your Kindle device!Now available in paperback, digital, and audio editions.Sign up for our newsletter to get notified about our new books athttp: //bit.ly/companionreadsnews

    

    For years, real success eluded me. I told people I was doing well when I was often on the edge of being broke. Millions of people face the same plight--including my beloved brother-in-law, who died tragically before he could fix his money problems. That was MY wake-up call. I knew I needed more money, but I didn't know how to get it. I only turned things around by getting honest with myself, taking responsibility for my situation, and figuring out some practical solutions. Now I'm going to show you how to do the same. In polite society, we don't like to talk about money. But it's too important to tiptoe around. In these pages, you and I are going to cut the BS and get real. For starters, I'll help you understand . . .   *   How the money has moved. Stop making decisions based on advice that worked decades ago, but no longer.   *   The dangers of living in a "False Positive." It's easy to tell ourselves that we have enough-- until we're hit with medical bills, aging parents, tuition, or early retirement.   *   The cheap comfort of the blamer mind-set: It might feel good to blame the government, the economy, or your boss for your troubles, but it won't change anything. Do you want an excuse, or do you want more money?  *   The power of "Lifestyle by Design." Visualize your long-term goal and work backward to figure out how to get there.  *   The trade-offs of being an employer or employee. You can get rich by starting a business or by rising to the top of an existing organization.Let's figure out what's right for you. It's going to take grit and guts, but if you follow my road map, you'll start accumulating real wealth, the kind that lets you live the life of your dreams and lasts for generations to come.

    She has been featured by The Washington Post and ABC News for her budget travel secrets. Now, she's revealing all her best money-saving tips in "The Affordable Flight Guide: How to Find Cheap Airline Tickets and See the World on a Budget." With this book, you will learn how to:- Set up flight alerts so you're automatically notified whenever there's a price drop or error fare- Become a travel hacker to use award miles and credit card points for free flights- Find steal deals on budget airlines and minimize additional fees- Use little-known booking strategies like clearing cookies and paying in a foreign currencyAnd so much more! Plus, as a bonus, you'll have access to a list of free mobile apps every traveler should have, essential websites for readers interested in living and working abroad, and side hustle ideas to help you get started funding your next trip. If you've been wanting to see the world, but money has been holding you back, this guide is your solution. Once you figure out how to fly for less, you can start traveling more. Stop paying thousands of dollars in airfare and start outsmarting the airlines. Great deals are waiting for the savvy travelers that know where to find them.

    You'll learn what financial independence really is and how to overcome the problems and obstacles that keep most people from ever achieving it. In the Financial Security Bible, Mike chronicles his journey from the poverty stricken coal fields of southern West Virginia, to wealth and financial independence. He does this by using parables and stories that teach you how to extract life lessons from personal experiences and how to put these lessons to work to build wealth and be happy. The first sentence explains Mike's feelings about sharing his knowledge. This book could easily be the best investment you will ever make. Mike Summey is an entrepreneur in the truest sense of the word. He is a successful author, speaker, business owner, and investor who lives on a beautiful private gated estate, flies his own propjet and has all the trappings of wealth, but it's not because of his high paying job, it's because of the income stream he has accumulated from his investments. Rarely does someone with his real world experience have the ability or desire to share what they have learned in the process of earning a PhD from the University of Hard Knocks.

    How much money do you need to save for retirement? What is the best way to get out of debt? Do you really need an emergency fund? This exclusive B&N title answers all of these questions and more with clear, practical advice from recognized financial expert Eric Tyson. With the countless tips and down-to-earth explanations, you’ll find everything you need to know to put your money to work for you. Inside discover how to: • Determine your net worth• Build an emergency fund• Plan for retirement• Cut your spendingAnd so much more. Master the basics of personal finance today for a brighter financial future.

    Whether your goal is to have comfortable retirement, finance your children’s education, reach financial independence or just retain the purchasing power of savings, investing is the way to reach these targets.Investing for Non-Finance People describes the basic investing principles in a straightforward way so you are able to use them regardless of your background. In addition to the general principles, the book also goes into detail about how to invest—and what to invest in. You will learn that investing does not need to be complicated and it does not require a lot of time and effort. The end result is that you should be able to start successfully investing right away, shortly after reading this book. Different investment categories are analyzed ranging from traditional investments such as equities (stocks), fixed-income (bonds) and real estate (including vacation properties) to more exotic investments such as hedge funds and private equity. Based on his own real-life experiences as an investor, the author gives you valuable insights on how to invest in these asset classes and what are the important factors to consider when taking investment decisions.The book also takes a detailed look at some of the newer innovations in finance, such as different types of crowdfunding investments. When used selectively, these can improve the returns and diversification of your investments.Emphasis is also on how to combine individual investments into investment portfolios. Multiple ways to create portfolios are analyzed and several example plans are provided, made with Adaquant Asset Allocation Suite software. From these examples it becomes obvious that the present investing environment is very challenging. All-time low interest rate environment globally means that the expected returns from investing are historically low. Therefore, a patient and conservative attitude is required from beginning investors.The investment principles described in this book can be applied globally. However, depending on your home country, the exact implementation of the investments may vary. Throughout the book, it is explained in detail how the investment principles can be implemented in the following five countries: the United States, Finland, Germany, the United Kingdom, and Switzerland.Librarian's note: See alternate cover edition of ASIN B07BDHK232 here.

    Now he is doing the same in regards to life management with his second book, Why Didn’t They Teach Me This in School, Too? 99 life management principles to live by. His latest book provides 8 important lessons with 99 principles of life management that are both simple and memorable. Written for his five children who are now in high school, college and the workforce, the author’s principles also apply to adults of all ages. In fact, by incorporating these easy life management principles, there is no doubt you will improve your current situation and make smarter decisions as you move forward in life. These are principles learned from real life experiences, not a textbook!

    Winning at Retirement is a step-by-step guide to ending up among that happy half. Authors Pat Foley and Kristin Hillsley take a practical, inspirational, and entertaining look at the process of seeking happiness in what could be your most enjoyable years. Winning offers plain language advice on matters like Social Security, Medicare, and investing. But it also emphasizes the importance of seeking a meaningful, impactful identity in the senior years, and describes how to do so. What truly sets the book apart is the crafting of a Retirement Happiness Map, a simple but powerful method for planning all aspects of a blissful retirement. Today’s retirees are plugged-in. They have smart phones, are internet savvy, and follow their grandchildren on Facebook. Winning takes a thoroughly modern look at the subject, describing web tools, apps, TED talks, and the vast world of resources that are at your fingertips in a quest for financial stability, health, and purpose. Step inside, you won’t be disappointed.

    It starts with a challenge. Will you accept? For many couples, the collision of marriage and money is the beginning of relational havoc. But does it have to be this way? What if the collision of marriage and money no longer tore couples apart but brought them together? What if money was no longer a topic to argue about but a topic around which couples rallied? What if the collision of marriage and money actually helped couples find contentment and purpose? In The Marriage Challenge: A Finance Guide for Married Couples, financial expert and author of The Money Challenge Art Rainer takes you on a journey to a financially healthy marriage. Get started on the right foot, or get back on the right track, by accepting the challenge and realizing God's design for money and marriage.

    With his no-nonsense approach to trading, millennials through to those in retirement will gain the confidence and know-how to achieve very rewarding returns. Accelerate Your Wealth is packed with more of Gillham’s simple, yet workable strategies that provide a roadmap to master the stock market with confidence, including: How to take control of your financial destiny How to stop losing and start making money Secrets to building a powerful portfolio The power of compounding your investments How to increase your probability of taking profits from the market Trading for a lifestyle Achieving financial independence Those who follow the strategies outlined in Accelerate Your Wealth are able to achieve better returns than the majority of professionals and pocket the fees they would otherwise pay to have someone else manage their money.

    It's just smart money management, simple investment strategies, and the power of compounding interest. Packed full of practical advice and paradigm-melting wisdom, Clocking Out Early is the essential guide to financial independence for Americans from all walks of life. Whether you're earning a minimum wage straight out of high school, or you're well into a career with a growing family, this book shows you how to break free from financial stress and-with a little discipline-even the paycheck itself.

    This excellent, well-organized reference will show you how to: decide the best form for your business (sole proprietor, LLC, or other) make sure you’re paid in full and on time pay estimated taxes (and avoid trouble with the IRS) take advantage of all available tax deductions available under the 2017 Tax Cuts and Jobs Act choose health, property, and other kinds of insurance keep accurate records in case you get audited, and write legally binding contracts and letter agreements. Tired of doing endless web searches for legal and tax information? Want one easy-to-use and authoritative resource for everything you need to start and run your business? This book is for you.

    Learn all you need to know about:* Expenses – Reduce your costs and align your expenses with your goals* Debt – Develop a strategy to pay off your loans and become debt-free* Savings – Boost your savings with painless techniques and build a financial safety net* Income – Increase your earnings in some or all of the seven income streams* Retirement – Plan for a comfortable and secure retirement* Investing – Learn to manage your own portfolio and start building your nest egg* Financial protection– Take care of yourself and your family with the insurance you need* As well as net worth, taxes, credit scores, lifestyle inflation, and much moreFor a lighter version of the book, use the suggested shortcuts to create your own fast track to Financial Independence in less than 100 steps!The 100 Steps to Financial Independence is THE answer to finally understand everything you need to know about personal finance. Specifically, the book contains:* Detailed broken-down action plans* Checklists for each of the 10 sections* Personal real-life stories* Tips on how to make the journey to Financial Independence fun* A detailed discussion points list to discuss finances with your partner* Practical ideas and examples on how to overcome the most common obstacles.

    It focuses on basic concepts such as power of compounding, psyche of an investor etc. The purpose of this book is to educate a novice investor about some fundamental concepts

    Index and quantitative investors have been free-riding on the backs of active managers for years, but growth in price-agnostic trading may finally have reached the tipping point. Brian Nelson, former Director of Methodology at Morningstar and President of Investment Research at Valuentum, explains how enterprise valuation forms the Theory of Universal Valuation and why a focus on it may not only help you avoid value traps, but also save you from the next financial crisis. This is a 356 page book, including Preface, Notes, Bibliography and Index. The text is a response to many worrisome trends and processes in the investment management business today. The book strives to answer the question: what is the appropriate empirical evidence in evidence-based finance? Surely, not just any empirical evidence will do. The book is not meant to be controversial, but a discussion of the great contradiction of "explaining" stock return behavior between factor-based investing (which is based mostly on ambiguous, realized data within in-sample sets) and the efficient markets hypothesis (which is based on expectations of future data, realized or not) may make it so. The text is heavy in behavioral thinking and puts forth enterprise valuation as a behavioral framework in which to view stock prices and their movements. This book also shows how enterprise valuation is much more than a simple stock valuation tool, but rather that enterprise valuation is truly universal valuation, resting at the intersection of behavioral economics, quantitative theory, equity valuation, and therefore finance, itself. A reading of "The Data Dilemma and Valuentum Investing" in the Preface is necessary to understand the various types of data Nelson refers to frequently in this text: ambiguous, causal and impractical. Also emphasized in this book is the difference between in-sample, out-of-sample and walk-forward studies, the latter the author believes to be the most robust and authentic of processes. In the first section of this book (chapters 1 through 3), Nelson welcomes you on a journey through the early lessons of his career and introduces some of the major shortcomings of traditional quant factor-based analysis, while building up the importance of a common theme in this text: the information contained in share prices. In the second section of this book (chapters 4 through 6), the causal nature of enterprise valuation to stock prices is explained, culminating in the Theory of Universal Valuation, which offers enterprise valuation as the central theme to quantitative value studies, efficient markets hypothesis testing and beyond. If at any time, it gets too theoretical, Nelson encourages the casual reader to skip ahead. In the final section of the book (chapters 7 through 10), Nelson talks about practical application of the principles explained in this text: how enterprise valuation can be used to identify bubbles and mispricings, how it's valuable to dividend-growth and income frameworks, how it's connected to economic moat and economic castle theory, and how it can be applied practically in an equity portfolio setting, as in Valuentum investing. This book is not a how-to manual on how to perform enterprise valuation, or a get-rich-quick investment program, but rather a text that Nelson feels lays the foundation for a genuine conversation about stock investing, a conversation about price versus estimated intrinsic value. The book is chock-full of footnotes, too, offering greater depth in areas that may require it. This book is content-rich for the number of pages, as the author wants every sentence, every paragraph to be worth your while. Mr. Nelson has over 15 years' experience in enterprise valuation and holds the Chartered Financial Analyst designation.

    There are a host of investment mistakes that can be avoided by such an understanding. One example involves the trade-off between risk and return. The trade-off seems to imply that if you bear more risk you will have higher long-run average returns. That conclusion is false. It is possible to bear a great deal of risk and get no benefit in terms of higher average return. Understanding the conceptual foundations of finance makes it clear why this is so and, thereby, helps an investor avoid bearing uncompensated risks. Another choice every investor has to make is between active versus passive investing. Making that choice wisely requires understanding the conceptual foundations of investing. •    Instructs investors willing to take the time to learn all of the concepts in layman’s terms •    Teaches concepts without overwhelming readers with math •    Helps you strengthen your portfolio •    Shows you the fundamental concepts of active investing The Conceptual Foundations of Investing is ultimately for investors looking to understand the science behind successful investing.

    This is the same formula she uses with her high-level clients every day, to help them live their own dreams of freedom and fulfillment. If you’re a woman who has been thinking about quitting your job or starting a business since… what feels like forever… or you already have a business that’s just not working the way you wish it would... this is your book. ======== Christine has beautifully crafted a framework that supports, inspires, and pushes other women to stop staying stuck and start creating the life with passion they are meant for. As someone who left my 9-5 and runs a business that I love full time, I know there is no greater gift you can give yourself. I love that Christine has created a manual that not only helps other women believe they can do it but also gives them the specific, actionable steps with which to make the leap. If you're ready to leave that 9-5 and replace your income for good... look no further. --Lacey Sites, Business Mentor & Success Coach, Founder of A Lit Up Life Perhaps the number one question I get asked as a mindset and marketing expert, is "How do I quit my day job?" How convenient is it that I'll now be able to refer people to The Income Replacement Formula? Christine has pulled together the complete blueprint for leaving your job and working full-time as an entrepreneur -- a blueprint that includes BOTH mindset and action. Christine is not only passionate, she's also knowledgeable, and in this book, she gives you the roadmap to a freedom that can only come from being in business for yourself. If you're ready to leave the workforce and join the ranks of profitable business owners, then start here. Christine is the mentor that you need on your side." -- Dana Wilde, Bestselling Author of Train Your Brain and Host of The Mind Aware Show Christine breaks down the exact steps necessary to leave your 9-5 and start living life on your terms in the simplest and easiest-to-digest ways. She is a true master at her craft of helping women create the business of their dreams. As someone who knows all too well what the journey of breaking free from the chains of a 9-5 looks like, I so wish I’d had this book years ago when I was struggling and stuck. I know it would have simplified the process and I'm so glad to have this guide to recommend to my friends and colleagues going through this journey now. --Sara Wiles, Online Business Manager, Co-Founder of The Happy Thoughts Show The Income Replacement Formula reveals the key requirements to successfully start AND monetize your online business. Christine lays out all of the strategic pieces with her unique feminine voice that is refreshing and inspiring. She combines the stories of her real-life experiences and her clients' experiences to reveal the truth that it's not always polished and pretty, yet, with focus, determination, strategy, proper leadership, AND mindset you can step away from your 9-5 confidently while earning a living from your passion! --Celia Faye Meisel, Online Business Coach for Creatives, Leaders, and Spiritual Entrepreneurs

    The lessons, revelations, and shocks of the past few years have made it clear that standing in our truth is the only way to care for ourselves, our families, and our finances.With her signature mix of insight, compassion, and practical advice, Suze equips women with the financial knowledge and emotional awareness to overcome the blocks that have kept them from acting in the best interest of their money--and themselves. Whether you are single or in a committed relationship, a successful professional, a worker struggling to make ends meet, a stay-at-home parent, or a creative soul, Suze offers the possibility of living a life of true wealth, a life in which you own the power to control your destiny.At the center of this fully revised and updated edition, Suze presents an all-new Financial Empowerment Plan, designed to get you to a place of emotional and financial security as quickly as possible--because the most precious commodity women have is time. Divided into four essential components, the plan will teach you how to- Protect yourself - Spend smart - Build your future - Give to othersAlso included is a bonus chapter on investing--for those who are living by Suze's unbreakable financial ground rules and ready to learn how to invest with confidence.Women & Money speaks to every mother, daughter, grandmother, sister, and wife. It gives readers the opportunity to tap into Suze's unique spirit, people-first wisdom, and unparalleled appreciation that for women, money itself is not the end goal. It's the means to living a full and meaningful life.

    All the money you currently pay to credit card companies can now be spent fixing up the house, taking a vacation, or investing in your retirement fund. You celebrate the holidays without dreading the credit card bill that is sure to arrive in January. The truth is: All of this is possible when you master the budgeting habit. The problem? Most people struggle with their budget because they think things like: "Budgets are restrictive." "You can't have any fun if you're on a budget." "I'm not about to give up my freedom!" "It's so hard to be on a budget!" The solution is to reframe your thinking by implementing a simple,step-by-step process that will help you master budgeting. And that's what you'll learn in The Budgeting Habit: How to Make a Budget and Stick to It! . INTRODUCING: The Budgeting Habit: How to Make a Budget and Stick to It! In this book, you will discover: The FIRST steps to creating a realistic budget and what to do if you have more expenses than income 5 budgeting approaches and how to determine which one is right for you How to stay motivated and stick with your budget when you'd rather quit Simple (and realistic) financial goals that will help you acheive your financial dreams The trick for turning financial goals into simple daily habits How to create an "budgeting success environment" to overcome any obstacle that you might encounter 3 accountability methods to keep you on track with your budget How to speed up the process of getting out of debt, saving for a home, or investing more in your retirement fund. Financial freedom isn't just for rich people. It's for ordinary people like me - and you. And it all starts, with a simple tool known as a budget. Would You Like To Know More? Download "The Budgeting Habit" today to start climbing out your financial hole and walk in the light of financial freedom. Scroll to the top of the page and select the buy now button.

    And the first myth that needs to be bashed is that financial advisors are only for the very rich. In fact, there are more financial advisors who cater to modest-income Americans than those who cater to the rich. Myths propagated by the media, regulators, and even the financial industry itself harm every American, from those at the poverty level to billionaires and everyone in between. This is the first time a holistic view of the entire advice market has been written by a non-advisor industry insider, without bias from any of the financial services sectors.