Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book:IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.

    This edition covers updates on the laws, numbers, and planning strategies. Illustrations.

    Readers can maintain complete control over their money-and not sacrifice precious points to an advisor or broker.Using a strategy that minimizes volatility and maximizes returns, Solin makes investing according to the principles of the most sophisticated financial models accessible to individuals in a way that has never been possible before.As readers have come to expect from Solin, implementing this plan is as simple as one, two, three: open an account with a discount broker; determine the appropriate asset allocation using the simple questionnaire in the book or online; input pre-determined ETFs (Exchange Traded Funds) and the allocations for the level of the investor's individual risk profile.This is the only book that provides the information and practical guidance that readers need to achieve the very best results with the minimum risk,on their own.

    A strategy simple enough for anyone to understand and one that runs on "autopilot" once it's set up.

    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.

    

    Successful real estate investor Gary Eldred shows you how you can outperform the stock market by investing in residential real estate--the surest and safest way to build assets. This updated edition covers all the new trends and tactics in real estate investing, including how to shop for properties outside your home market and how to use option arms to achieve positive cash flow. As always, you'll find all the information you need to start investing now, as well as up-to-date tips on negotiating deals, spotting market trends, and using the Internet as a research tool to find and buy properties. Let the authors show you how to: * Buy with a low or no-money down payment* Build wealth without paying income taxes* Find the neighborhoods and properties that will appreciate fastest* Add value to your properties with smart improvements* Choose the best financing for your investments* Protect your net worth with LLCs and other legal strategies Whether you need money for your child's college tuition, a prosperous retirement, or a higher quality of life, Investing in Real Estate, Fifth Edition is the best guide available to help you start building real wealth right now.

    He worked for it. He figured it out. He failed. He learned. He wrote his own script.The key to his success? Confidence—informed, intelligent, calculated confidence. Calculated confidence means training yourself in your chosen field, knowing it so well that you can trust your gut instincts to guide you towards the best possible option. When key opportunities present themselves, you are ready to seize them.In It’s Your Move, one of the stars of Bravo’s hit TV series Million Dollar Listing Los Angeles shares invaluable and street-smart strategies for how to build your confidence, establish your reputation, master the knowledge you need to succeed, take the right risks, and course correct when you make a mistake. Drawing on his experiences negotiating multi-million dollar deals and offering impeccable service to his celebrity and high-profile clients, Altman shows you all the right moves to help you become better, stronger and more effective—whatever your profession or ambitions.

    Discover commodity ETFs, style ETFs, country ETFs, and inverse ETFs, all of which play an important role in this new trading environment. Supplement your knowledge with an understanding of the risks and rewards associated with ETF investments, and consider how ETF investments can complement your current portfolio. Though not as well-known as some other investment options, ETFs are wonderful tools for filling in the gaps in your investment portfolio. These investment options have the power to give you access to markets or investment areas that, otherwise, may be restricted, too expensive, or exceedingly risky—and can open investment doors you may have not yet considered. Understand how to navigate the ETF marketplace with confidence Make informed investment decisions based upon fundamental knowledge about the ETF market Explore the latest ETF products, providers, and strategies to guide you in choosing the right ones for your needs Increase the diversity of your investment portfolio, and bring a new facet of potential to your investment strategy Investing In ETFs For Dummies is a great resource if you're looking to enhance your investment portfolio by participating in the ETF market!

    Wedding planner Ellie Moon, is determined to give them a day to remember. After a tough year, she’s had to move out of her cosy cottage and in with her sister, while she rents her home out to a new tenant, the handsome mechanic Jago, who keeps popping up around the picture-postcard seaside village of Porthgolow.

    It features a biography of the author, a full-length analysis of the novel, and a great deal more. If you're studying this novel, reading it for your book club, or if you simply want to know more about it, you'll find this guide informative and helpful. Part of a new series of guides to contemporary novels. The aim of the series is to give readers accessible and informative introductions to some of the most popular, most acclaimed and most influential novels of recent years - from ‘The Remains of the Day' to ‘White Teeth'. A team of contemporary fiction scholars from both sides of the Atlantic has been assembled to provide a thorough and readable analysis of each of the novels in question.

    Even after her man, Jack Lemon, is cased up, Gina does what she has to do, holding it down for herself and her man. When Jack wins his appeal, vengeance is no longer just for the Lord. A vindictive cycle of mayhem and murder catapults Jack and Gina to the forefront of DieHard Records, a multi-million dollar empire. But when the headless body of industry rival Damon Dice is discovered, Top Cop Anthony Brown finds himself pursuing both the truth behind the crime and one of the suspects as he and Gina flirt in a deadly game of cat and mouse. The twists continue as Gina meets Georgia Mae, a.k.a. Game, a crazy-sexy-cool white chick and exotic dancer with a bodacious body and a fetish for chocolate men. If Gina and her girl Monique only knew what lengths Game would go to get a man... With time running out and the feds closing in, Jack and Gina have one last dangerous trick up their sleeves. Will it work?

    We’re going to make you a new life.’ From petty shoplifter to gangland empress.From frightened runaway to proud mother.From drug dealer to probation worker.Janice Nix lived a life of crime. Groomed to work as a shoplifter in London’s West End, she entered a glamorous underworld of beautiful possessions – and drugs. As she rose to the top of her criminal empire, Janice achieved the money and status her family had never had. But one day, it had to come tumbling down.Several prison stretches later, Janice was reformed – and inspired to join the probation service. Using everything she learned in her years on the streets, she’s devoted her life to ensure girls like her don’t make the same mistakes.This is her story.

    Keep well away from that Hadyn Jenkins.' In spite of her father's words of warning, Sharon Pritchard decides to give up everything to follow her heart. However, her new life with Hadyn is anything but easy. Although he is handsome and charming, he is feckless and unreliable. And they soon find themselves sinking ever faster into poverty. The birth of their son should be a joyous occasion, but Sharon fears for him amongst the filth and despair of Tiger Bay. And when Hadyn's errant ways catch up with him, Sharon is faced with a devastating truth. Can her love for Hadyn survive and will she be able to provide a better future for herself and her son...? From the Paperback edition.

    The doctor wanted his entire portfolio in bonds, which was far too conservative to maintain the lifestyle he and his wife had planned. In the advisor’s words:"This fellow was a bit of a know-it-all, and I wasn’t getting through. Finally I asked him, 'Doctor, how will it feel for you when you have to go back to work?' That got his attention, and I was able to lay out a strategy that would allow him to retire and stay retired."In Questions Great Financial Advisors Ask…and Investors Need to Know, coauthors Alan Parisse and David Richman have compiled the questions great advisors ask that lead to the probing and personal conversations necessary to diagnose and understand clients'—and potential clients'—deep-seated feelings about money. That’s how great advisors help clients wring the emotion out of investing and set them on the rational road to achieving their financial goals.Throughout this book are questions, suggestions, and stories from some of the world’s top financial advisors, including a chapter of "great questions to ask" organized by topic.