You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

    A well-timed purchase or a well-planned merger can boost both the immediate financial position and the long-term outlook for your organization.Conversely, these transactions can quickly spell your company's doom if they are not conceived and executed carefully, legally, and sensibly. Whether you're an M&A veteran or find yourself at the table for the first time, it's crucial to have an authoritative, soup-to-nuts reference to guide you through the many complex steps involved in these major business strategies.Mergers & Acquisitions from A to Z is a practical, hands-on resource for M&A participants on all sides of the transaction. The fully updated second edition covers the latest trends and best practices for structuring profitable deals, new rules and regulations in the age of the Sarbanes-Oxley act, and more. Clear and jargon-free, this authoritative book begins with a thorough overview, and then gives you extensive knowledge of the entire transaction process including:* Preparing for a Merger or Acquisition and Initiating the Deal. Understanding both the seller's and buyer's perspective is key, regardless of what your own role is in the transaction.* Preliminary Considerations and Documentation. The authors present the pros and cons of creating a letter of intent, and how to decide which kind to use (binding, non-binding, or hybrid).* Due Diligence. A thorough legal, financial, and operational analysis of the target business will identify and quantify any areas of concern.* Regulatory Considerations. These include general areas such as environmental, antitrust, securities, and others, as well as those issues specific to your industry or the situation.* Structuring the Deal. The architecture of the transaction will have profound effects on tax, accounting, shareholder, and other financial considerations for all the businesses involved.*Valuation and Pricing. Learn which valuation methods to use, and why the established value is only one component in calculating the actual purchase price.* Financing. How to determine if seller financing, venture capital, securities, and/or other alternatives are proper choices for your transaction.The book also offers complete sample documents including acquisition agreements and other legally required papers, strategies for alleviating post-closing challenges, and ""managing the deal-killers,"" the all-too-common mistakes and pitfalls that can derail even the most promising mergers and acquisitions. Finally, the authors take a look at a few of the alternatives to the M&A approach, including joint ventures, franchising, licensing, strategic alliances, and many others.The power your company can generate in concert with another is immense. With Mergers & Acquisitions from A to Z, you've got the crucial information and versatile tools to make the connection stronger, more durable, and more profitable for all involved."

    And then there are the expectations: from calligraphy invitations to satin chair-covers, all those things that Must Be Done or everyone will be Horribly Offended. Or will they?A Practical Wedding helps you create the wedding you want—without going broke or crazy in the process. After all, what really matters on your wedding day, what you’ll remember ‘til you’re old and gray, is not so much how it looked as how it felt. In this refreshing guide, expert Meg Keene shares her secrets to planning a beautiful celebration that reflects your taste and your relationship. You’ll discover:The real purpose of engagement (hint: it’s not just about the planning) How to pinpoint what matters most to you and your partner DIY-ing your wedding: brilliant or crazy? Affording a wedding without having to cut your guest list How to communicate decisions with your family Why that color-coded spreadsheet is actually worth it Wedding Zen can be yours. Meg walks you through everything from choosing a venue to writing vows, complete with stories and advice from women who have been in the trenches, the Team Practical brides. So here’s to the joyful wedding, the sensible wedding, the unbelievably fun wedding! A Practical Wedding is your complete guide to getting married with grace.

    But along the way, Lew finds much more than he's looking for. His skill with firearms gets him a job as a hunter with a trader's freight train heading onto the prairies to barter with the Indians. From there Lew's journey takes a drastic—and still more dangerous—turn. He survives an attack by a Cheyenne war party, finds shelter among the Sioux, and even takes part in a battle between the Sioux and the Pawnee. But there's no way Lew could expect the surprises that still lie ahead.

    The Great Inflation, argues award-winning columnist Robert J. Samuelson in this provocative book, was the worst domestic policy blunder of the postwar era and played a crucial role in transforming American politics, economy, and everyday life-and yet its story is hardly remembered or appreciated. In these uncertain economic times, it is more imperative than ever that we understand what happened in the 1960s and 1970s, lest we be doomed to repeat our mistakes. From 1960 to 1979, inflation rose from barely more than 1 percent to nearly 14 percent. It was the greatest peacetime inflationary spike in this nation's history, and it had massive repercussions in every area of our lives. The direct consequences included Ronald Reagan's election to the presidency in 1980, stagnation in living standards, and a growing belief-both in America and abroad-that the great-power status of the United States was ending." The Great Inflation and Its Aftermath" traces the origins and rise of double-digit inflation and its fall in the brutal 1981-82 recession, engineered by the Federal Reserve under then-chairman Paul Volcker and with the staunch backing of Reagan. But that is only half the story. The end of high inflation triggered economic and social changes that are still with us. The stock market and housing booms were both direct outcomes; American business became more productive-and also much less protective of workers; and globalization was encouraged. We cannot understand today's world, Samuelson contends, without understanding the Great Inflation and its aftermath. Nor can we prepare for the future unless we heed its lessons. This incisive and enlightening book will stand as the authoritative account of a watershed event of our times. Praise for "The Great Inflation and Its Aftermath"""Newsweek" and "Washington Post" columnist Samuelson is one of the rare journalists who debates politics and economics with a healthy skepticism toward conventional wisdom. Politicians would do well to study [the errors] the past that teach that choosing quick fixes only delays and worsens the inevitable.""- Booklist" "If you want to understand the economic events of the last half century, you should read. . . Robert Samuelson's The Great Inflation and Its Aftermath: --U.S News & World Report.

    The narrator, Dave, a 28-year-old school teacher and expectant father, his 30-year-old sister, Cathy, who runs a small business, and his buddy, Tom, who works in a refinery, sit around a barber shop in Sarnia, Ontario, and listen as Ray Miller, the well-to-do barber, teaches them how to get rich. The friends are at the age when most people start thinking about their future stability; among the three of them, they face almost every broad situation that can influence a financial plan. Ray, the Socrates of personal finance, isn't a pin-striped Bay Street wizard. He is a simple, down-to-earth barber dispensing homespun wisdom while he lops a little off the top. Ray's barbershop isn't the place to learn strategies for trading options and commodities. Instead, his advice covers the basics of RRSPs, mutual funds, real estate, insurance, and the like. His first and most important rule is "pay yourself first." Take 10 per cent off every pay cheque as it comes in and invest it in safe interest-bearing instruments. Through the magic of compound interest, this 10 per cent will turn into a substantial nest egg over time. This book isn't about how to get rich quick. It's about how to get rich slowly and stay that way.

    Newly trained midwife Hazel Price returns to the Yorkshire streets of her childhood, only to find that her modern methods and 'stuck-up' ways bring her into conflict with her family and other formidable residents of Raglan Road.Determined Hazel battles on, assisting with home deliveries and supporting the local GP. The days are long and hard but Hazel brings knowledge and compassion to the work she loves.Then tragedy strikes and accusations fly on Raglan Road. Will Hazel's reputation survive? And what of John Moxon, the man she is beginning to fall for - whose side will he take in the war between the old ways and the new?A heart-warming, nostalgic tale of triumph over adversity that readers of Katie Flynn, Donna Douglas and Call the Midwife will adore.

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend

    An impossible to miss new explosive release sure to catch the eye of all the fans of Sword Art Online and Log Horizon! The Fate has to lead you to a stone dead! The body languishes in the captivity of the regeneration capsule; the mind is connected to the virtual game of the new generation. Well, you could take it, but a strange system error has deprived you of the connection with reality and outside help. Now for NPCs you are one of them, and for the players you are one of NPCs. There is the only chance to recover your body, crippled by the catastrophe. It is to survive in this superfluously cruel world! To survive here--you need to become stronger. But who could make you stronger but the 'Shadows', the most famous assassin guild in Noria? 'The Birth' is the first book by Paul Kite (real name - Pavel Korshunov) - one of the most popular Russian LitRPG series 'Realm of Noria'. Paul Kite is one of the top-rated of the new wave gamelit-author. He has created the story of Kraven, a person who accidentally became a captive of the virtual world and fought not only for his freedom, but also for his life.

    The dust had yet to settle on the global financial crisis in 2009 when an unlikely Wharton grad was setting in motion a fraud of unprecedented gall and magnitude--one that would come to symbolize the next great threat to the global financial system. Billion Dollar Whale will become a classic, harrowing parable about the financial world in the twenty-first century.

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    You use the stability of your day job to provide a financial foundation for building your own business on the side.When Sean McCabe started practicing hand lettering, he never dreamed he’d make over $500,000 from the craft. He always thought it’d be a hobby. But he learned that there are three specific ways to make money from any niche pursuit.Sean codifies and breaks down these three methods of making money in what he calls The Trifecta:• Client Work• Products• TeachingNo matter what you want to do, you can grow a thriving business using these three methods of generating revenue.But where you’ll get stuck is trying to find the time, motivation, and focus to do the work.• How do you get your family or spouse on board when they’re scared?• What if you come home from your day job feeling exhausted and ready to collapse?• What if you have many passions and you’re not sure which to focus on?Overlap will help you find your passion, develop your skills, get out of scarcity, and create the life you want.The results will not come overnight, but this book will help you get unstuck and give you a clear idea of exactly what to do next.Don’t Quit Your Day JobThere’s a notion that if you’re “really serious” you’ll quit your day job and give your passion a chance.That works for some people, but so does the lottery. I don’t think it’s a winning strategy.You want something more sensible—something that doesn’t involve crazy amounts of risk (and the high likelihood you’ll kill your passion for good if things don’t pan out).We all know people who quit their job to pursue their passion only to end up hating what they do.Or worse: they had to go back to the day job and, because they felt like a failure, they never got up the courage to try again.You’re here because you want something more practical: a systematic plan and logical steps for making a living from what you love.Overlap is for you.When you overlap, you don’t immediately quit your day job. You use the day job as a financial foundation to support your pursuit of something else.This does something incredible.Rather than feel immediate financial pressure, you are free to explore, do, and try.This exploratory phase is critical. It prevents burnout and helps you avoid killing your passion, which often happens when you’re desperate for money.Overlap is where you start a business while working a full time job.• This is the book you’ll wish you had years ago.• This is the book that finally gives you clarity.• This is the book you can give to your kids and not worry about their future.This is a sensible, practical, down to earth guide to making a living doing what you love, creating financial freedom for yourself, and getting your family on board.I’ve been working on this book for years.I’ve written the book, re-written it, and revised it based on hundreds of personal conversations I’ve had with people who want something more than the status quo.What I discovered is this:Most Books Are Addressing the Wrong ProblemsI found that the things holding you back aren’t necessarily lack of business knowledge, finance, or anything like that.In my conversations, I learned it’s these things that are holding you back:• Lack of support from your family.• Trouble finding motivation.• Not enough time.• Difficulty focusing.• Unsure of the right thing to pursue.• Feeling overwhelmed with the possibilities.I reverse engineered Overlap to solve every single one of these struggles.If you believe you were meant for something more, if you believe you can make it, if you believe you were destined for greatness…Overlap will help you get there.

    That is why a typical investor loses more than one million dollars in his/her investing career (see pages 172-175). The GOOD news is that you can smile now because finally there is a simple solution. Robert Rolih will share with you the details and secret subtleties that will enable you to fire your financial adviser, take control of your money and investments and outperform the pros - while spending only a few hours per year. By reading The Million Dollar Decision, you'll finally discover how to make sure your invested money works for you - and not for the financial industry: The Six Dark Forces of Investing: if you don't learn what these forces are, you will never be able to invest profitably. Get to know them, and Darth Vader will seem like a good guy to you. The Commission Camouflage Effect: learn how the financial industry takes most of your future returns - without you even being aware of it. The most important formula of your financial life: Financial Success Formula. This is an entirely new philosophy on personal finance and investing that will, quite literally, save you financially. If you have adult children, you will want to share it with them right away. Financial safety with the A.R.M.O.R. Formula: even if you are the kindest and most positive person, something unforeseen can happen that turns everything around. Use this simple formula to prevent financial disasters from disrupting your financial security. Selecting the right financial products and minimizing risk: stocks, bonds, mutual funds, index funds, gold, silver. Get a clear answer on how to make the right choices. Investing for retirement or to grow your wealth simply can't get easier! How to beat Richard Branson's speed of creating wealth with one smart move? No hype. Just facts. This will come as a total surprise for you. Short-Term Investing Slaughterhouse: learn the sad truth about short-term trading. If you are thinking about trading stocks, Forex, binary options and other instruments, this chapter will be a life saver. How to get out of the rigged game of investing and add a million to your net worth in just a couple of hours per year? By reading this book you'll have total confidence in yourself when investing and outperform even the experts in just a couple of hours per year. Add this book to cart now and make your Million Dollar Decision! "Being a doctor of medicine I have never enjoyed books about personal finance and investing.

      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.

    Assists you in making your financial dreams come true while shedding light on an entirely new way of looking at, understanding, and appreciating the true nature of Earthly profits and heavenly wealth.