Many miss the best part of his letter: his principles. It is their loss. Following these principles, Buffett has turned Berkshire Hathaway, a struggling textile manufacturer, into one of the most respected companies in the world. Early investors have become billionaires. This essential guide to Buffett's shareholder letters highlights what the pundits aren t telling you and what you can learn about building long-lasting wealth.Warren Buffett is one of the most successful investors in history. His annual letters to Berkshire Hathaway shareholders have attained legendary status among Wall Street and Main Street investors. Each informative and entertaining letter offers lessons about life, business, and the art of investing that are essential to creating long-lasting wealth. They are based on Buffett's dogged pursuit of the Golden Rule of ownermanager partnership: Treat shareholders the way you would want to be treated if you were in their place.In "Buffett's Bites," L. J. Rittenhouse, CEO candor expert and former Wall Street banker, serves up an in-depth look at Buffett s 2008 shareholder letter, highlighting 25 tantalizing nuggets of wisdom. These "bites" afford an inside look at Buffett's unconventional ways that have created Berkshire Hathaway's unrivaled success.With unflinching honesty and insight, the "Oracle of Omaha" talks candidly about today s turbulent market: what makes a company worth investing in; why you shouldn't panic when experts insist "the sky is falling"; when to re-evaluate your portfolio; and how to invest safely and wisely for the long haul.Each savory bite is enhanced with practical information and a timeless moral that can be applied to your own wealth-building strategies."

    Shilling explains in clear language and compelling logic why the world economy will struggle for several more years and what investors can do to protect and grow their wealth in the difficult times ahead. The investment strategies that worked for last 25 years will not work in the next 10 years. Shilling advises readers to avoid broad exposure to stocks, real estate, and commodities and to focus on high-quality bonds, high-dividend stocks, and consumer staple and food stocks. Written by one of today's best forecasters of economic trends-twice voted by Institutional Investor as Wall Street's top economist Clearly explains what to invest in, what to avoid, and how to cope with a deflationary, slow-growth economy Demonstrates how Shilling has been consistently right about major economic trends since he began forecasting in the early 1980s Filled with in-depth insights and practical advice, this timely guide lays out a convincing case for why investors need to be prepared for a long period of weak growth and deflation-not inflation-and what you can do to prosper in the difficult times ahead.

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

    You are meant to have a rich life, in every respect, and yet many people are unaware of the power they have within them that directly and effortlessly accesses abundance in all things, including money.In this new book, Rhonda Byrne, author of The Secret, explains how the law of attraction applies specifically to wealth and your relationship with money. By applying the knowledge in The Secret, you can stop money from slipping through your fingers, and eliminate forever the perpetual state of “not having enough money.” You will discover the power you have to bring money to you and to live a life of abundance, where you can be, do, or have anything you want.Subjects covered by Rhonda include personal finance, eradicating a poverty mindset and adopting a wealth mindset, job hunting, career advancement, creating a successful business, and giving and sharing wealth.Rhonda also presents many inspirational real-life stories of people who have used The Secret to attract wealth, build a company, pay off debts, acquire a home, and secure a high paying job.They say money doesn’t grow on trees—but with the knowledge of The Secret to Money Masterclass, you will feel that it actually does, as money starts to come into your life from unexpected places. Financial freedom can be yours, and as you will discover, it is just one thought away!

    This new edition includes all updated statistic showing how much in debt we really are and the solution to your own retirement. A must read for those who wants to salvage his/her retirement. This book will show you how to grow your money with zero market risk, access your retirement dollars tax-free and leave an income-tax free inheritance to your heirs.

    The Complete Penny Stock Course is based on Timothy Sykes’, various training programs. His strategies have helped individuals like Tim Grittani, Michael Goode and Stephen Dux become millionaires within a couple of years. This course aims to teach you how to become a consistently profitable trader, by taking Tim’s profit-making strategies with penny stocks and presenting them in a well-structured learning format. You’ll start by getting acquainted with the concepts of market and trading psychology. Then you’ll get into the basics of day trading, how to manage your risk and the tools that will help you become profitable. Along the way, you’ll learn strategies and techniques to become consistent in your gains and develop your own trading techniques. What’s inside: - Managing expectations and understanding the market - Understanding the psychology of trading and how it affects you - Learning the basics of day trading - Learning the mechanics of trading penny stocks - Risk management and how to take safe positions - How to trade through advanced techniques - Developing your own profitable trading strategy - Real world examples and case studies No prior trading experience is required.

    Dr. Doug Erlandson draws on concrete examples of good and bad reasoning from the political and social realm and everyday life to make his points in a sometimes lighthearted but always meaningful way. Here's a Preview of What's in the Book Identifying the differences between good and bad arguments Avoiding fallacies Creating good explanations Assessing probabilities Recognizing that statistics and numbers can lie ˃˃˃ Here's How You Benefit How to Think Clearly gives you the tools you need to critically assess the claims and counterclaims with which you are bombarded by politicians, pundits, commentators and editors, as well as coworkers, friends and family, and will aid you in developing skills to present your view in ways that are clear, coherent, sensible and persuasive. ˃˃˃ Suitable as a classroom text and for independent study How to Think Clearly is easy to understand and suitable for independent study. At the same time it offers the content and intellectual rigor that you would expect in a text for an introductory college-level course in critical thinking. ˃˃˃ What Others Are Saying About How to Think Clearly: A Guide to Critical Thinking Dr. Erlandson has given a wonderful introduction to good critical thinking: how to recognize good and bad arguments, helpful and non-helpful explanations, the ways that numbers can be manipulated. You can tell that he must be a good teacher. (G. Feltner)The author offers a refuge of reason within our culture of disregard for open-mindedness and rational discourse where the popular debate of serious issues or ideas is often a shouting match from the margins. (Cubs Fan)A great read for anyone who is new to logic and critical thinking, or someone who just wants to review and refresh their knowledge. (Paul D.) Scroll up and grab a copy today.

    Includes lead sheets for such standard vocal repertoire pieces as: Yesterday * I'm Beginning to See the Light * and I Heard it Through the Grapevine. Maximize your vocal potential with this outstanding guide

    Learn how to maximize your health coverage and save money.Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.

    If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles.  Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options.  Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it.Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo.Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades.  Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

    With all the emphasis on the rich and famous in America, we would think we know everything about them. In reality, very few of us truly understand those who make up the very wealthiest Americans--those with liquid assets of $5 million or more. What is this new class of people and how did they get that way?In The New Elite, the authors reveal what motivates our country's most powerful and influential class, what they want, where they shop, and how they really spend their money. With candor and unique insight, they reveal that the people who drive our economy are not Ivy league-educated, luxury-seeking socialites. While they include luminaries like Bill Gates, David Geffen, Ralph Lauren, and Donald Trump, they also include the small business owner next door. Based on unprecedented research with hundreds of interviews with members of this unique group, The New Elite uncovers the five classes of America's newly wealthy--including those who struggle with its implications, those who refuse to let it change them, and those who give it away, and how each of them is changing our culture and economy. This is an entertaining and enlightening look at America's ruling class, the profound ways they have redefined what it means to be rich, and how we court them.

    When inexperienced entrepreneurs ask my advice about their idea for a tech startup, they often worry "What if Google decides to compete with us? They will crush us!" I respond that far more startups die of suicide than homicide. If you can avoid hurting yourself, then you are already better off than most of your competitors. Startups are a chance to build something entirely original with brilliant and ambitious people. But startups are also dangerous. Limited money means there is little room for mistakes. One bad decision can mean bankruptcy. The potential payoff attracts capital, which in turn attracts scam artists. The unscrupulous often lack the skills needed to succeed, but sometimes they are smart enough to trick investors. Even entrepreneurs who start with a strong moral compass can find that the threat of failure unmoors their ethics from their ambition. Emotions matter. We might hope that those in leadership positions possess strength and resilience, but vanity and fragile egos have sabotaged many of the businesses that I’ve worked with. Defeat is always a possibility, and not everyone finds healthy ways to deal with the stress. In this book I offer both advice and also warnings. I've seen certain self-destructive patterns play out again and again, so I wanted to document one of the most extreme cases that I've witnessed. In 2015 I worked for a startup that began with an ingenious idea: to use the software techniques known as Natural Language Processing to allow people to interact with databases by writing ordinary English sentences. This was a multi-billion dollar idea that could have transformed the way people gathered and used information. However, the venture had inexperienced leadership. They burned through their $1.3 million seed money. As their resources dwindled, their confidence transformed into doubt, which was aggravated by edicts from the Board Of Directors ordering sudden changes that effectively threw away weeks' worth of work. Every startup forces its participants into extreme positions, often regarding budget and deadlines. Often these situations are absurd to the point of parody. Therefore, there is considerable humor in this story. The collision of inexperience and desperation gives rise to moments that are simply silly. I tell this story in a day-to-day format, both to capture the early optimism, and then the later sense of panic. Here then, is a cautionary tale, a warning about tendencies that everyone joining a startup should be on guard against."

    From office buildings to shopping centers to apartment buildings, it helps you pick the right properties at the right time for the right price. Yes, there is a fun and easy way to break into commercial real estate, and this is it. This comprehensive handbook has it all. You'll learn how to find great properties, size up sellers, finance your investments, protect your assets, and increase your property's value. You'll discover the upsides and downsides of the various types of investments, learn the five biggest myths of commercial real estate investment, find out how to recession-proof your investment portfolio, and more. Discover how to:Get leads on commercial property investments Determine what a property is worth Find the right financing for you Handle inspections and fix problems Make big money in land development Manage your properties or hire a pro Exploit the tax advantages of commercial real estate Find out what offer a seller really-really wants Perform due diligence before you make a deal Raise capital by forming partnerships Investing in commercial property can make you rich in any economy. Get Commercial Real Estate For Dummies, and find out how.

    We’ve comea long way since then. With this book, Drs. Romero and Balch liftthe veil from many of these once-opaque concepts in high-techfinance. We can all benefit from learning how the cooperationbetween wetware and software creates fitter models. This bookdoes a fantastic job describing how the latest advances in financialmodeling and data science help today’s portfolio managerssolve these greater riddles. —Michael Himmel, ManagingPartner, Essex Asset ManagementI applaud Phil Romero’s willingness to write about the hedgefund world, an industry that is very private, often flamboyant,and easily misunderstood. As with every sector of the investmentlandscape, the hedge fund industry varies dramaticallyfrom quantitative “black box” technology, to fundamental researchand old-fashioned stock picking. This book helps investorsdistinguish between these diverse opposites and understandtheir place in the new evolving world of finance. —Mick Elfers,Founder and Chief Investment Strategist, Irvington Capital

    Jacobson provides a comprehensive overview of this spectacular industry, allowing everyone on Earth to understand the integral role space plays in our lives, how it will continue to transform the world, and how you could participate.In the vein of Mary Roach, Jacobson makes a complex topic easily understandable—and accessible—for every reader.Space as an industry offers a triple bottom line: Return on Investment, Innovation, and Inspiration.INVESTMENTImagine if you had the opportunity to invest in Apple when it was new and undiscovered—would you do it?Space is a culmination of many disciplines, and it works in tandem with various industries. The sector’s growth depends on merging different fields with cutting-edge technologies, fantastical ideas with logical applications.Investors, including John Doerr, Khosla Ventures, Sequoia, RRE, Bessemer Venture Partners, First Round, Peter Thiel’s Founders Fund, and Andreesen Horowitz, took notice and are backing companies in this growing sector.INNOVATIONSpace is the sector with the most unlimited potential for progress and collaboration. When space advances, other industries benefit. When other industries advance, space benefits as well—innovations and progress multiply.From Hollywood to navigation, communications devices to streaming services, medical discoveries to robotics, agriculture to energy, all of these industries affect space and are affected by space—much like bees pollinating flowers.Jacobson proposes that space startups can borrow tactics and strategies developed by other entrepreneurs and thought leaders—such as Peter Thiel, Eric Ries, and Ben Horowitz—to improve space startups' probability for success.INSPIRATIONWhat do Jules Verne, Star Trek, Isaac Asimov, Arthur C. Clarke, Stanley Kubrick, Jerry Pournelle, Andy Weir, and David Bowie have in common?For centuries, artists and creators have helped inspire real space efforts. They merged space with arts and entertainment to construct visions and stories that helped us articulate, amplify, and imagine what is possible—ultimately influencing and shaping reality, from Moon missions to mobile phones.What will we accomplish over the next decade? Is there a way to achieve great personal success and benefit others—maybe even all of humanity?