A guide based on the tenets of the award-winning financial platform, "You Need a Budget," argues that a well-planned budget does not involve deprivation and counsels readers on how to prioritize financial goals, reduce stress through strategic cash flow allocations and meet the challenges of unplanned expenses.

    Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn:How to choose your stocks/bonds allocationHow to become immune to changing interest ratesWhen to use CDs and individual bondsHow to choose a good bond fundHow to hedge against unexpected inflationContents:Foreword by Larry SwedroeIntroduction- Who Should Read This Book?- Start with a Sound Financial LifestyleWhy Bother With Bonds?- Stocks are risky in the short-run, and the long run too!- Bonds Make Risk More Palatable- Bonds Can Be A Safe Bet- Bonds Are An Attractive Investment DiversifierLife Is Complicated. Bonds Are Not.- What is a Money Market Fund?- Are CDs Better Than Bonds?- What Are Bonds?- What is a Bond Ladder?- Individual Bonds or a Bond Fund?Bonds: Risks and Returns- Yield, Price And Making Comparisons— How To Compare Individual Bond Returns— How to Compare Bond Fund Returns— Total Return: To Measure And Compare Performance- How To Reduce Risk From Interest Rates Changes— Duration: The Point of Indifference to Interest Rates— Duration: The Measure of Sensitivity to Interest Rates- How To Reduce Risk From Unexpected Inflation— Real versus Nominal Interest Rates— Why Include TIPS In Your Portfolio?- Credit Quality or Default RiskBuild The Bond Portion Of Your Portfolio- Start With Your Goals.- How Much Risk Is Right For You?— Understand How Much Risk You’re Taking— Take Your Risk In Stock Market, Not Bond Market— How Much in Bonds? How Much in Stocks?— Your Needs Change Over Time- The Importance of Low Cost— How Much To Diversify Bonds?— The Importance of Low Cost— Five Low-Cost Strategies You Can Do Yourself- Taxes Matter- Example Portfolios (both good and bad)Common Misconceptions Important to Correct- Stocks Are Safer In The Long Run- Holding a Bond (or CD) to Maturity Eliminates Risk- Stocks Are Safer Than Bonds- The Best Funds Have The Most Stars- A One Percent Fee Is Small- Rising Interest Rates are Bad for Bond Holders- You Can’t Beat the Market Using Index Funds- Use Multiple Investment Companies To Diversify- You Need Many Mutual Funds to Diversify- Frugal Means StingyReviews Worth Noting:“[As] stocks have surged and bond yields have dwindled, investors increasingly ask "Why bother with bonds?" Rick Van Ness takes this question and runs with it in his book sporting this provocative title. Sooner or later, this question will answer itself, and it will behoove all investors to get to know Rick before it does. Read it, enjoy it, and profit from it—before it's too late.”William J. BernsteinAuthor, The Four Pillars of Investing“In his simply stated and entertaining book, Rick Van Ness eloquently instructs the reader on how to do bonds right – in fact, better than any single book I’ve read.”Allan S. RothAuthor: How a Second Grader Beats Wall Street“If you are a DIY investor . . . you should read this book. It will steer you clear of areas you need to avoid and into where you should be. A quick read filled with valuable info!”Robert Wasilewski“This book should be part of America’s high school curriculum.”Andrew HallamAuthor: Millionaire Teacher

    Lewis Pugh knows oceans. He was the first to complete a long distance swim in every ocean of the world, and has pioneered more swims around famous landmarks than any other person in history. He swam across the icy waters of the North Pole to highlight the melting of the Arctic Sea ice, and across a glacial lake on Mount Everest to draw attention to the impact of climate change on the Himalayan glaciers. It was there that he met his first yak. Trekking behind them up the icy slopes, watching them cross skeletal bridges over dizzying ravines, and listening to them breathe outside his tent each night, Lewis got to think about the things he most admires in a yak. And found that those qualities were not unlike the ones that enabled him to meet his own challenges - and achieve things that people believed to be impossible.In 21 Yaks and a Speedo, Lewis shares his ability to dream big dreams, build crack teams, and get the job done. You'll be inspired by his devotion to excellence, his loyalty to his crew, and his belief in never giving up. These are 21 strategies Lewis used to achieve what no one thought was possible. The principles are simple but effective. Stick by them, he says, and you will achieve your own impossible.

    Sowell reveals the general principles behind any kind of economy-capitalist, socialist, feudal, and so on. In readable language, he shows how to critique economic policies in terms of the incentives they create, rather than the goals they proclaim. With clear explanations of the entire field, from rent control and the rise and fall of businesses to the international balance of payments, this is the first book for anyone who wishes to understand how the economy functions.

    A magisterial account of the money and violence behind the world’s most powerful dictatorships.” –Washington PostIn this shocking, meticulously reported work of narrative nonfiction, an award-winning investigative journalist exposes “capitalism’s monster”—global kleptocracy—and reveals how it is corrupting the world around us.They are everywhere, the thieves and their people. Masters of secrecy. Until now we have detected their presence only by what they leave behind. A body in a burned-out Audi. Workers riddled with bullets in the Kazakh Desert. A rigged election in Zimbabwe. A British banker silenced and humiliated for trying to expose the truth about the City of London.They have amassed more money than most countries. But what they are really stealing is power.In this real-life thriller packed with jaw-dropping revelations, award-winning investigative journalist Tom Burgis weaves together four stories that reveal a terrifying global web of corruption: the troublemaker from Basingstoke who stumbles on the secrets of a Swiss bank, the ex-Soviet billionaire constructing a private empire, the righteous Canadian lawyer with a mysterious client, and the Brooklyn crook protected by the CIA.Glimpses of this shadowy world have emerged over the years. In Kleptopia, Burgis connects the dots. He follows the dirty money that is flooding the global economy, emboldening dictators, and poisoning democracies. From the Kremlin to Beijing, Harare to Riyadh, Paris to the White House, the trail shows something even more sinister: the thieves are uniting. And the human cost will be great.

    He helped save the world’s last unprotected redwoods. He co-created the predecessor to today’s Green New Deal. And he led a successful effort by climate scientists and activists to keep nuclear plants operating, preventing a spike of emissions.But in 2019, as some claimed “billions of people are going to die,” contributing to rising anxiety, including among adolescents, Shellenberger decided that, as a lifelong environmental activist, leading energy expert, and father of a teenage daughter, he needed to speak out to separate science from fiction.Despite decades of news media attention, many remain ignorant of basic facts. Carbon emissions peaked and have been declining in most developed nations for over a decade. Deaths from extreme weather, even in poor nations, declined 80 percent over the last four decades. And the risk of Earth warming to very high temperatures is increasingly unlikely thanks to slowing population growth and abundant natural gas.Curiously, the people who are the most alarmist about the problems also tend to oppose the obvious solutions.What’s really behind the rise of apocalyptic environmentalism? There are powerful financial interests. There are desires for status and power. But most of all there is a desire among supposedly secular people for transcendence. This spiritual impulse can be natural and healthy. But in preaching fear without love, and guilt without redemption, the new religion is failing to satisfy our deepest psychological and existential needs.

    For over a decade,the authors have studied the world’s successful traders. Based on their learnings, they started practicing it and are now part of the 5%. Trade and Grow Rich teaches not just concepts but also methods with the help of anecdotes. This book has to be read one chapter at a time, rather than just being a one-time read. If you want to enjoy an adventurous journey to become a successful trader, then this is the book you are looking for!

    It’s also one of the most misunderstood. Fred Joyal, the expert in dental consumer marketing, reveals how every single thing you say and do in your practice communicates a message to your patients. Everything is Marketing takes you step by step through your business, showing how little changes can have a big impact. Want to attract new patients? Convert more calls into appointments? Increase your case acceptance? Marketing can make it happen. The first step is learning to recognize that you have the power to transform your patients’ health, happiness and quality of life, then infusing that belief into everything—including your office, your team, your advertising and your chairside conversations. Drawing from over two decades of industry experience, Fred shares insight on topics like: • Why dentistry’s unique business model is such a huge advantage • How to create an unexpected and unforgettable patient experience • Why patients leave your practice—and how you can keep them for life • Proven ways to boost patient loyalty and word of mouth • Secrets to building a strong (and happy) team that your patients will fall in love with Fred’s approach to marketing is practical, straightforward and easy to put into action today. It’s an unbeatable strategy for capturing the hearts and minds of patients and experiencing explosive practice growth.

    You can start packing your bags for that trip you’ve been dreaming a lifetime about.For more than half a decade, Matt Kepnes (aka Nomadic Matt) has been showing readers of his enormously popular travel blog that traveling isn’t expensive and that it’s affordable to all. He proves that as long as you think out of the box and travel like locals, your trip doesn’t have to break your bank, nor do you need to give up luxury.How to Travel the World on $50 a Day reveals Nomadic Matt’s tips, tricks, and secrets to comfortable budget travel based on his experience traveling the world without giving up the sushi meals and comfortable beds he enjoys. Offering a blend of advice ranging from travel hacking to smart banking, you’ll learn how to:* Avoid paying bank fees anywhere in the world* Earn thousands of free frequent flyer points* Find discount travel cards that can save on hostels, tours, and transportation* Get cheap (or free) plane ticketsWhether it’s a two-week, two-month, or two-year trip, Nomadic Matt shows you how to stretch your money further so you can travel cheaper, smarter, and longer.

    We like to imagine that it’s based on evidence and the results of fair tests. In reality, those tests are often profoundly flawed. We like to imagine that doctors are familiar with the research literature surrounding a drug, when in reality much of the research is hidden from them by drug companies. We like to imagine that doctors are impartially educated, when in reality much of their education is funded by industry. We like to imagine that regulators let only effective drugs onto the market, when in reality they approve hopeless drugs, with data on side effects casually withheld from doctors and patients.All these problems have been protected from public scrutiny because they’re too complex to capture in a sound bite. But Dr. Ben Goldacre shows that the true scale of this murderous disaster fully reveals itself only when the details are untangled. He believes we should all be able to understand precisely how data manipulation works and how research misconduct on a global scale affects us. In his own words, “the tricks and distortions documented in these pages are beautiful, intricate, and fascinating in their details.” With Goldacre’s characteristic flair and a forensic attention to detail, Bad Pharma reveals a shockingly broken system and calls for something to be done. This is the pharmaceutical industry as it has never been seen before.

    You may have tried and failed in the past to make running stick, but never the less you are determined to master it. You may tell yourself that “running is hard”, or “I’m just not a runner”, but the truth is that anybody can learn to run if they have the right approach. You will likely have many questions; “how do I build up my running distance?”, “how do I stay motivated to run?”, “how do I warm up and cool down?”. All of these and more are covered off within the pages of this book along with a step by step guide to building up your running to 60 minutes. There is more to learning how to run than just going out and seeing how far you can go three days a week. Some people will undoubtedly have success with this method, but for most beginner runners it takes a little more guidance and support to truly master the art of running. More and more beginners are deciding to take their first steps and learn how to run. Races are popping up all over the place geared towards beginner runners and it remains one of the most accessible sports around. Learning how to run should be a fun and rewarding experience in itself, not just a means to achieve a goal. Beginner’s Luck is a complete program that teaches you everything you need to build your confidence as a runner. The program itself removes the pressure of having to stick rigidly to a set rate of progress, and instead allows you to progress at your own pace. If you are a beginner runner who would like to learn how to run for up to an hour AND surprise yourself as to how easy it really is, get Beginner’s Luck and start out on your journey today.

    Like so many good stories, it got its start from a time of great turmoil and ended in a dramatic fashion. What happened between 1920 and 1929 has passed beyond history and has become legend. The lessons of the 1920s are still relevant today. Many of the debates and issues of the era are still part of the national conversation. Economic policies, consumer behaviors and mass culture of the 1920s are reflected in our culture almost 100 years later. By understanding the past, we can better prepare for the future and this new captivating history book is all about giving you that knowledge. This book includes topics such as: World War One and the 1920s Fear of the Other Old Causes Finishing Business The Cost of Prohibition A New World African-Americans Politics and Policies How Did It All End? And much, much more! Scroll to the top and download the book now for instant access!

    Cohen changed Wall Street. He and his fellow pioneers of the hedge fund industry didn't lay railroads, build factories, or invent new technologies. Rather, they made their billions through speculation, by placing bets in the market that turned out to be right more often than wrong and for this, they gained not only extreme personal wealth but formidable influence throughout society. Hedge funds now oversee more than $3 trillion in assets, and the competition between them is so fierce that traders will do whatever they can to get an edge.Cohen was one of the industry's biggest success stories, the person everyone else in the business wanted to be. Born into a middle-class family on Long Island, he longed from an early age to be a star on Wall Street. He mastered poker in high school, went off to Wharton, and in 1992 launched the hedge fund SAC Capital, which he built into a $15 billion empire, almost entirely on the basis of his wizard like stock trading. He cultivated an air of mystery, reclusiveness, and excess, building a 35,000-square-foot mansion in Greenwich, Connecticut, flying to work by helicopter, and amassing one of the largest private art collections in the world. On Wall Street, Cohen was revered as a genius: one of the greatest traders who ever lived.That image was shattered when SAC Capital became the target of a sprawling, seven-year investigation, led by a determined group of FBI agents, prosecutors, and SEC enforcement attorneys. Labeled by prosecutors as a magnet for market cheaters whose culture encouraged the relentless pursuit of edge and even black edge, which is inside information SAC Capital was ultimately indicted and pleaded guilty to charges of securities and wire fraud in connection with a vast insider trading scheme, even as Cohen himself was never charged.Black Edge offers a revelatory look at the gray zone in which so much of Wall Street functions. It's a riveting, true-life legal thriller that takes readers inside the government's pursuit of Cohen and his employees, and raises urgent and troubling questions about the power and wealth of those who sit at the pinnacle of modern Wall Street.

    John's, Antigua; Oranjestad, Aruba; Bridgetown, Barbados; Belize City, Belize; Bermuda; Kralendijk, Bonaire; Calica (Playa del Carmen), Mexico; Cartagena, Colombia; Colon, Panama; Costa Maya, Mexico; Willemstad, Curacao; Roseau, Dominica; Falmouth, Jamaica; Freeport-Lucaya, Bahamas; Grand Cayman, Cayman Islands; Grand Turk, Turks and Caicos Islands; St. George's, Grenada; Pointe-a-Pitre, Guadeloupe; Key West, Florida; La Romana, Dominican Republic; Fort-de-France, Martinique; Montego Bay, Jamaica; Nassau, Bahamas; Charlestown, Nevis; Ocho Rios, Jamaica; Progreso, Mexico; Puerto Limon, Costa Rica; Roatan, Honduras; Samana (Cayo Levantado), Dominican Republic; San Juan, Puerto Rico; Santo Domingo, Domican Republic; Santo Tomas de Castilla, Guatemala; Gustavia, St. Barthelemy; Fredericksted, St. Croix; Cruz Bay, St. John; Basseterre, St. Kitts; Castries, St. Lucia; Philipsburg, St. Maarten; Charlotte Amalie, St. Thomas; Kingstown, St. Vincent; Road Town, Tortola; and The Valley, Virgin Gorda· Covered ports of embarkation: Baltimore, Maryland; Charleston, South Carolina; Fort Lauderdale, Florida; Galveston, Texas; Houston, Texas; Jacksonville, Florida; Miami, Florida; New Orleans, Louisiana; New York, New York; Port Canaveral, Florida; San Juan, Puerto Rico; Tampa, Florida

    Written in clear and incisive prose, The Wealth of Nations articulates the concepts indispensable to an understanding of contemporary society; and Robert Reich's Introduction both clarifies Smith's analyses and illuminates his overall relevance to the world in which we live. As Reich writes, "Smith's mind ranged over issues as fresh and topical today as they were in the late eighteenth century--jobs, wages, politics, government, trade, education, business, and ethics."Introduction by Robert Reich - Commentary by R. H. Campbell and A. S. Skinner - Includes a Modern Library Reading Group Guide