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

    A wave of sinkholes appears on the anniversary of a rural tragedy, and local residents begin to hear the voices of the dead. A woman encounters a predator from her youth—and a chance to turn the tables. A child’s inner beast takes on a sinister life of its own. An undetectable serial killer raises tensions on a college campus. Experimental physics reveals another world, and it might mean the end of ours. Shrouded in darkness, lurking in the shadows, NIGHT TERRORS III awaits you. The third installment of the chilling Night Terrors anthology series includes stories from Jack Ketchum, Steve Rasnic Tem, Dennis Etchison, Taylor Grant, Eric J. Guignard, Aric Sundquist, Jennifer Brozek, John McNee, Simon McCaffery, Patty Templeton, and many more!

    In a last-ditch effort to sort something out, he rents a rickshaw, propelling him into a frantic sub-culture of criminals, misfits and lost souls. Rickshaw is a dangerous bedlam of close calls and near misses and its passengers are the drunken, beaten down and stranded. To work rickshaw, Irish must take a lesson in stamina and shift up through his emotional gears but no matter how hard he pedals, always hot on his heels, is his past. Hilarious, poignant and razor sharp, this debut novel captures the underbelly of London’s West End through a stunningly, gimlet eye and electrifying energy.

    She had been happily married to her lover, until four years later she and her husband becomes an estranged couple. The lady gets lost in a whirlpool of her monotonous life, a life without love and respect, a life of servile existence, a life repressed in every sense from joy and desires. She starts beating her wings to escape from the deadly clutches of expectations and social repressions to rise above the menial existence and achieve what she wanted for her life.She falls in love with another man, a man who is her teacher and mentor. but she is afraid to acknowledge her feelings for fear of social accusations. But an incident drives to her to an awareness of the temporality of life and she indulges in an ambitious and sexual relationship with her mentor. She enters a world led by her lover where ambition becomes real and where she begins to face the disorder of the human world, of women particularly.a time comes when she is asked to choose between the men, and this is where she shows her independence and strength.

    Scott James is charged with murder after two bodies are found at his surgery center. Just weeks before the start of his capital murder trial, Dr. James is approached by a beautiful woman claiming she can help him gain information that would prove his innocence. As James hunts down the evidence that might free him, he faces a barrage of threats to his life and liberty--and makes one chilling discovery after another: Corporate corruption. A conspiracy to frame him for murder and for terrorist acts. A secret drone-control operation that takes out targets in Afghanistan and Pakistan. The true identity and intent of his beautiful ally. And a plot to blow up the local hospital and surrounding community.

    So when one of their own was wronged in any way, the community always had its own way of dealing with it.The first title in a series of gritty family sagas, Our Vinnie accounts the dramatic true story of a brother’s determination to avenge his younger sister’s rape. Josie was just 11 when her Vinnie, then 14, was taken away to a detention centre. Distraught by his absence and left alone with indifferent parents, when she escapes from one of their rows she naively enters the house of a neighbour, Melvin, who – horrifically – leads her upstairs and overpowers her.Convinced by her friend Carol, Josie tells her sister Lyndsey about the rape but, with Vinnie out of the picture, Lyndsey uses the information for her own ends. When Vinnie returns, hardened by years inside the system, his outrage on discovering the truth is severe. And with new abuses continually coming to light, a cataclysmic series of violent events begins to spiral out of control…Dramatic and shocking, Our Vinnie is an unbelievable page-turner, documenting a community forsaken by society, and one brother’s unrelenting determination to take justice into his own hands.

    But who can afford to hire a sports psychologist to learn the fundamentals necessary to succeed? This book will help you uncover your mental skills and teach you techniques to strengthen your mental toughness. It contains detailed sections on motivation, performance anxiety, athletic pain, and race strategy. You will learn the mental skills necessary to better motivate yourself, overcome pain, perform better in races, and gain more enjoyment from running. In short, it will help you become the best runner you can be.

    But in Heywood’s classic novel, such things can and do exist.     Protagonist Bowie Rhodes, UPI reporter and expert fly fisherman, had learned of the snowfly early in his childhood. It hatches every seven to ten years, never on the same river twice, bringing to rise trout so huge they would have to have lived forty years or more; trout so wily that they never allow themselves to be caught--or even seen; trout so hungry for this fly that they will risk exposure to rise for the hatch. The snowfly is the sacred quest of the most obsessed trout hunters, existing--it seems--only in myth and in a lost manuscript.     Rhodes’s reporting brings him to such sites as the jungles of Vietnam, the labyrinth of Brezhnev’s Soviet Union, and a poisoned Canadian wasteland of uranium mines. His hunt for the manuscript, meanwhile, takes him deep into his own heart of darkness.    Richly imaginative and sensual, the world of The Snowfly has more mystery lurking beneath the surface waters than our own. Or does it?

    But now that the Imperium Titus has taken over, every ship sails on the edge of a knife. Young airman Cyprian Fields isn't one to turn away from danger. During his service as the deckmaster of an old freighter named Philomena, the arrival of mysterious young physician Basil Black and alluring stowaway Veronica Stromm turn the intrepid boy officer's world upside-down. Suddenly, Cyprian and Philomena's ragtag crew are thrown into a wonderful and perilous adventure that will take them to the furthest reaches of air, land, and sea. In the midst of whispering Silverspoons and murderous admirals, printing presses and aetherolabes, fleets and fortresses, Cyprian, Veronica, and Basil must decide whether they will face down the might of the Imperium or allow the doom descending on Cor Nova to overwhelm them all.

    But expansion means contact with new worlds and species—and with them, new challenges.As a young boy, Matthew Wallace experienced this as the child of missionaries on the planet Altair, living a rugged existence on the undeveloped world. Undeveloped, but not uninhabited. For Altair was home to a proud race of warriors—the Ananke.The same warriors Matthew watched as they murdered his parents.Now he is the Marshal of the place he swore he’d never return to, his hatred for the Ananke only tempered by his desperation to treat his wife’s terrible illness. For located on Altair is a clinic performing medical miracles, curing men and women of terminal diseases that even the most advanced technologies can’t touch. And yet, nothing is without its price, and as Matthew learns more about the world where he’s now charged with keeping the peace, he slowly realizes he’s going to have to decide what is more important: The life of his wife…or the lives of an entire species.A sci-fi thriller that calls to mind the grand masters of the genre, The Outer Rims explores the morality of doing whatever is necessary and the question of whether humanity and sentience are one in the same.

    On the hunt for a new job? This book will show you exactly how to ace your next interview. Learn what to say, how to act, what to wear, and how to prepare for common interview questions. Discover the questions you should ask your would-be employers, and how to present your strengths and weaknesses in the best possible light. Furthermore, learn eight ways you can immediately improve your body language - and understand how to make sure it doesn't sabotage you during your next interview. Steven Fies is a business consultant who advises human resources departments on hiring the right people. He is also a certified professional behaviors and motivators analyst with TTI Success Insights, a recognized leader in workplace performance research. Job Interview Tips For Winners is his concise, no-nonsense guide to acing your next interview and landing the job. If you're in the market for a new job and want a clear strategy for sharpening your interviewing skills, Job Interview Tips For Winners is for you. Simple and to the point, it will teach you the most critical interviewing skills in no time.

    "A pre-post-apocalyptic joy ride thriller philosophy jam"Sometimes Lucy Black wishes that the authorities had never confirmed that an asteroid, even bigger than the one that wiped out the dinosaurs, was on a collision path with Earth, and never admitted that all attempts to divert the massive asteroid had failed.That was two months ago.Today is the day it's due to hit.

    His computer code unlocks mankind's greatest scientific discovery-the human genome. Leveraging a vast computer network (that really exists), Wagner can interpret an individual's DNA with lightning speed. It brings hope to millions as personalized medicine becomes reality. But rapid modernization sparks a violent reaction. Wagner's closest colleagues are dying mysteriously. Will he be next? Pitted against a powerful, faceless enemy, he hunts to rescue the person closest to him and forestall catastrophic GRIDLOCK.

    

    Soon the snow was so deep that she couldn't move. She could feel her shoes disintegrating and her feet were numb. The sky cleared and a great big moon came out and there were so many stars. She remembered what her mother had said before she died, that each star was one of her people. She musn't give up now . . .'When their mother dies and their father, in his grief, burns down their wagon and runs away, Kath and Ella - gypsy sisters - suddenly become orphans. With no one to turn to for help, they face hardship and hunger at every turn. Will their special sisters' bond be strong enough to see them to safety?From the bestselling author of Miss Appleby's Academy and Far From My Father's House comes a heartwarming tale of family and overcoming adversity.