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

    Most of us measure our time by clocks and calendars. Live A Thousand Years reveals the power of measuring your time and your success by moments and experiences.

    The eighteen-year New Jersey Senator, financial and investment adviser, Olympic and NBA athlete, national radio host, and bestselling author has lived in the United States as both political insider and outsider, national sports celebrity and behind-the-scenes confidante, leader and teammate. His varied experiences help to inform his unique and much-sought-after point of view on Washington and the country at large.   In We Can All Do Better, for the first time since the financial meltdown and since the worst of the intensifying political gridlock, Bradley offers his own concise, powerful, and highly personal review of the state of the nation. Bradley argues that government is not the problem. He criticizes the role of money and politics, explains how continuing on our existing foreign policy, electoral, and economic paths will mean a diminished future, and lays out exactly what needs to be done to reverse course.   Breaking from the intransigent long-held viewpoints of both political parties, and with careful attention to our nation’s history, Bradley passionately lays out his narrative. He offers a no-holds-barred prescription on subjects including job creation, deficit reduction, education, and immigration. While equally critical of the approaches of the Tea Party and Occupy Movements, he champions the power of individual Americans to organize, speak out, bridge divisions, and he calls on the media to assume a more responsible role in our national life. As this moving call to arms reminds us, we can all—elected officials, private citizens, presidents—do a better job of moving our country forward. Bradley is perhaps the best guide imaginable, with his firsthand knowledge of governments’ inner-workings, the country’s diversity, and the untapped potential of the American people.

    Expanding on her popular online home hacks, Laura will teach you how to handle the problems we all encounter in our homes.Straight-talking and hilarious and packed with Laura’s stunning illustrations, her step-by-step guides will prepare you to handle the most common household emergencies with style. From dripping taps to hanging a frame, how best to look after your white goods, how to treat moths, mould and everything in between, and with invaluable design ideas to improve the living spaces in your home, this book is for everyone who has ever wanted to tackle a bit of She-IY without really knowing how.Ingenious and sure to be an instant household must-have, Gaff Goddess will empower you to make those repairs and rediscover your space saving you time, money and stress in the process.

    What is a limited liability company? How is an LLC different from a corporation? Should you form an LLC for your business? Limited Liability Companies For Dummies, answers all of your questions about LLCs and demystifies the formation and management of these increasingly popular business entities.

    Considered the miracle of the beehive and used by humans for 8,000 years, beeswax remains a vital ingredient to society and is still used as the foundation for many household products in the twenty-first century. Learn from apiarist and entrepreneur Petra Ahnert about the history of beeswax, as well as tips and techniques on how to mold it into beautiful, reusable creations.   An introduction details the different ways in which beeswax has been used throughout history, as well as the products that contain it today. You’ll also find an explanation of the different types of beeswax, as well as insider tips on working with beeswax, followed by step-by-step instructions for making candles, balms, salves, creams, scrubs, soaps, ornaments, art, and more out of beeswax (either your own or store-bought). Color photos illustrate the processes and show finished results throughout. Among the useful and beautiful things you’ll learn to make out of beeswax:Hand-Dipped Birthday CandlesLip Balm with Cocoa ButterRosebud SalveSolid Natural PerfumesHoney, Oats, and Beeswax SoapBeeswax LuminariesWhether you are an expert beekeeper or experimental crafter, Beeswax Alchemy is the best guide for anyone aspiring to make wellness-boosting treasures to keep or gift to friends and family.

    As a Major League manager, he has one of the more stressful jobs imaginable. So what does he do to relax? He goes for long walks. Whenever possible, he takes long walks as a way to clear his head, calm his soul and give his body a workout. In this charming little volume, he shares his thoughts on walking in terms that can inspire everyone to get out more often for a good walk, a great way to stay fit and healthy through the forties and fifties and beyond. Along the way he provides glimpses into his life and character that will delight his many fans.

    Write books FASTER. Write BETTER books. Write MORE books. #1 Kindle Bestseller in Authorship, Writing Skills, and Business Writing - Jan. 2015! The Kindle self-publishing revolution is here! Are you in? Why spin your wheels struggling to write bulky, bloated books the traditional publishing way when you can turbo-charge your Kindle author platform with greater freedom, flexibility, and chances for success? This game-changing guide is for aspiring authors AND established publishing pros alike who want to shake-up their routine and embrace a powerful new approach to self-publishing non-fiction. Are you ready to Write Short Kindle Books? You'll learn: Why writing shorter Kindle books is the best approach for many non-fiction authors The benefits of boosting your volume with many shorter, high-quality books How to price your short ebooks for maximum success Ideal word counts for Kindle books How to break larger book ideas down into numerous smaller books How to brainstorm, outline, and write books faster and more efficiently How to save money on covers, editing, and Kindle book formatting Why building a team of Beta Readers is crucial How to bring your book from final draft to launch And much more! Click on "Look Inside" to Learn More!

    A homage to beer by Cheers actor and beer connoisseur George Wendt, better known as Norm Peterson.

    Today's hobbyists rediscover the simplicity of making mead while reveling in the range of flavors that can result. In The Compleat Meadmaker, veteran beverage hobbyist Ken Schramm introduces the novice to the wonders of mead. With easy-to-follow procedures and simple recipes, he shows how you can quickly and painlessly make your own mead at home. In later chapters he introduces flavorful variations on the basic theme that lead to mead flavored with spice, fruits, grapes and even malt."-- from the book's back cover

    During every major period in the country's history, bees and beekeepers have represented order and stability in a country without a national religion, political party, or language. Bees in America is an enlightening cultural history of bees and beekeeping in the United States. Tammy Horn, herself a beekeeper, offers a varied social and technological history from the colonial period, wh

    It is a drink that is a profound and important part of Scottish life and culture but, unlike other countries and their national libations, it has hardly been used in food. Rachel McCormack is going to change that with this book. Limiting whisky to a drink, she believes, is similar to the traditional Presbyterian attitude to sex; it should only be done with the lights off and in the missionary position. Rachel believes that there is an entire Karma Sutraof whisky use out there and she has put it in this book. Interspersing an engaging mix of anecdotes, history and information on distillers and recipes, this book will appeal to everyone from the cooking whisky connoisseur, to the novice whisky learner looking for some guidance on what to eat and cook. Rachel travels the length and breadth of Scotland, discovering a myriad of unique and interesting people and facts about this remarkable drink, with interviews with the key people who create it around the country, as she visits the famous distilleries of her country, as well as the more home-grown variety.

    It’s helpful for learning Agile and Scrum, and also for a basic preparation for the PSM I exam (Professional Scrum Master level 1). It can also act as a simple reference for Scrum practitioners.

    Yet in backyards and on rooftops all over the world, bees are being raised successfully, even without antibiotics, miticides, or other chemical inputs.More and more organically minded beekeepers are now using top-bar hives, in which the shape of the interior resembles a hollow log. Long lasting and completely biodegradable, a topbar hive made of untreated wood allows bees to build comb naturally rather than simply filling prefabricated foundation frames in a typical box hive with added supers.Top-bar hives yield slightly less honey but produce more beeswax than a typical Langstroth box hive. Regular hive inspection and the removal of old combs helps to keep bees healthier and naturally disease-free.Top-Bar Beekeeping provides complete information on hive management and other aspects of using these innovative hives. All home and hobbyist beekeepers who have the time and interest in keeping bees intensively should consider the natural, low-stress methods outlined in this book. It will also appeal to home orchardists, gardeners, and permaculture practitioners who look to bees for pollination as well as honey or beeswax.

    At once a memoir, meditation on the artistic process, and advice on craft, Still Writing is an intimate and eloquent companion to living a creative life.Through a blend of deeply personal stories about what formed her as a writer, tales from other authors, and a searching look at her own creative process, Shapiro offers her gift to writers everywhere: an elegant guide of hard-won wisdom and advice for staying the course. "The writer's life requires courage, patience, empathy, openness. It requires the ability to be alone with oneself. Gentle with oneself. To be disciplined, and at the same time, take risks." Writers--and anyone with an artistic temperament--will find inspiration and comfort in these pages. Offering lessons learned over twenty years of teaching and writing, Shapiro brings her own revealing insights to weave an indispensable almanac for modern writers.Like Anne Lamott's Bird by Bird, Virginia Woolf's A Writer's Diary, and Stephen King's On Writing, Dani Shapiro's Still Writing is a lodestar for aspiring scribes and an eloquent memoir of the writing life.