This study guide includes the following sections: Plot Summary, Chapter Summaries & Analysis, Characters, Objects/Places, Themes, Style, Quotes, and Topics for Discussion.

    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 journey of self-realization and renewed assessment of our lives, marked by silly anecdotes, mindless distractions, and everyday truths. This book is a humorous retelling of the author’s personal blunders and mind-boggling human behavior in general, strung together by a series of hilarious open letters. It is a modest pursuit to deliver a little relief, and diversion from the pandemic’s grim realities. It’s also an attempt to reaffirm the need for a good laugh to help deal with the doom and gloom that now surrounds our lives. Each letter picks up a relatable theme of our lockdown life – be it our obsession with baking banana bread, growing out our beards, or finding the fanciest holiday homes in Goa. What comes out, is a light and delightful offering that anyone living in this era shouldn’t miss. “A breezy read that goes well with your evening tea (like Marie Gold) or finds a permanent spot on your nightstand. A perfect picker-upper if you're feeling down, it reminded me of Bill Bryson's 'A Short History of Nearly Everything' and Hugh Prather's 'Notes to Myself'.”- Manish Bhatt, Founder/CCO August Communications“Hits a cord with everyone who has left the rat race of ‘acquiring new skills’. It is honest, straightforward, and downright hilarious. I loved the book. I found it clutter-breaking, relatable and non-preachy.” - Shilpi Agarwal, Blogger @bookgasmicSome important information:o The book is part memoir, part random lists and part mean musings.o It celebrates the ability to find humor in unexpected predicaments and life in general.o It’s a collection of letters addressed to the most unlikely of receivers, filled with pithy observations, irreverent and ruthless humor about the little idiosyncrasies of life in lockdown.o Each of these perfectly bite sized letters are wonderful accompaniments to the massive mood swings that is our reality in the times of corona.o Under no circumstance, this book is to be taken seriously, seriously.Savor this quick pick-me-up with a hot cup, a pinch of salt and a great deal of grins."

    Each story digs into one of the five period related problems: Pain | Staining | Sexual Inhibition | PMS | Taboo, through each one's journey. The title signifies the second day of a woman's period, which is said to be the toughest of the five days. The stories are a reflection of the less acknowledged society around us. Through menstrual problems as a window, the book is an attempt to bring light to the intriguing yet briefly understood aspects of womanhood in different age groups.

    Some enlisted. Some were true war heroes, but most were just trying to survive. As everyone "in-country" knew, Vietnam was all about luck, good or bad. If you were there, you understand. If you weren't, grab a copy and start reading, anywhere in the book. The stories are like Doritos. Try a few and you won't be able to stop.The Vietnam War was the seminal event of my generation and affected so many lives. Over 58,200 of us paid the ultimate price, but the war didn't end when the last US helicopter lifted off from the roof of the US Embassy in Saigon. It continues to take its ugly toll on many who did come home. Instead of bands and parades, we got PTSD and Agent Orange, diabetes, ischemic heart disease, neuropathy, leukemia, Hodgkin's Disease, and prostate cancer, and many more. As they say, "Vietnam is the gift that keeps on giving."Unfortunately, what little our kids and grandkids know of the war comes from books that only focus on one soldier, one unit, and one year, or movies like Oliver Stone's Platoon and Hamburger Hill, leaving people to think that all we did was crawl through the jungle on the Cambodian border smoking dope. But that wasn't how most of us spent our year. In February, I published Volume 1. Due to the amazing response it received from vets and their families, I'm publishing Volume 2, with even more interesting, exciting, and informative stories. Hopefully, they will help correct that narrative.William F Brown is the author of nine action adventure and suspense novels on Kindle, including the highly successful Bob Burke series, and Our Vietnam Wars, Volumes 1 and 2, personal stories of the veterans who served there. His ministry and suspense novels include 'The Undertaker,' 'Amongst My Enemies,' 'Thursday at Noon,' 'Aim True, My Brothers,' 'Winner Lose All,' and 'The Cold War Trilogy,' as well as Burke's War, Burke's Gamble, and Burke's Revenge. You can them out on my web site and Enjoy!

    Boe entered the Vietnam war. Twice wounded during his one-year tour of duty, he endured some of the war's hottest moments, including the Tet offensive. He served honorably, facing an onslaught of bullets, mortars, rockets, hand grenades, and land mines. Through Bill's account, the reader gains a vicarious understanding of the day-to-day life and challenges of an American infantryman in Vietnam. This book's primary purpose is to honor those who made it home and those who did not by telling their story through Bill's eyes and ears. Written in the form of a novel, what makes Bill's true story so compelling is that his experiences likely are similar to those of many other men who served in the infantry in Vietnam. If you served in Vietnam in the infantry, Bill's story will likely bring back vivid memories. If you didn't serve, and if you have a friend who's a Vietnam infantry vet, you'll look at him differently after reading Bill's story. You'll come away with a deeper understanding of the challenges and hardships he faced.

    As they see matters, wealth in the form of means of production and wealth in the form of consumers’ goods are essentially indistinguishable. For all practical purposes, they have no awareness of the existence of capital and of its importance. Thus, capitalists are generally depicted as fat men, whose girth allegedly signifies an excessive consumption of food and of wealth in general, while their alleged victims, the wage earners, are typically depicted as substantially underweight, allegedly signifying their inability to consume, thanks to the allegedly starvation wages paid by the capitalists.The truth is that in a capitalist economic system, the wealth of the capitalists is not only overwhelmingly in the form of means of production, such as factory buildings, machinery, farms, mines, stores, warehouses, and means of transportation and communication, but all of this wealth is employed in producing for the market, where its benefit is made available to everyone in the economic system who is able to afford to buy its products.Consider. Whoever can afford to buy an automobile benefits from the existence of the automobile factory and its equipment where that car was made. He also benefits from the existence of all the other automobile factories, whose existence and competition served to reduce the price he had to pay for his automobile. He benefits from the existence of the steel mill that provided the steel for his car, and from the iron mine that provided the iron ore needed for the production of that steel, and, of course, from the existence of all the other steel mills and iron mines whose existence and competition served to hold down the prices of the steel and iron ore that contributed to the production of his car.And, thanks to the great magnitude of wealth employed as capital, the demand for labor, of which capital is the foundation, is great enough and thus wages are high enough that virtually everyone is able to afford to a substantial degree most of the products of the economic system. For the capital of the capitalists is the foundation both of the supply of products that everyone buys and of the demand for the labor that all wage earners sell. More capital—a greater amount of wealth in the possession of the capitalists—means a both a larger and better supply of products for wage earners to buy and a greater demand for the labor that wage earners sell. Everyone, wage earners and capitalists alike, benefits from the wealth of the capitalists, because, as I say, that wealth is the foundation of the supply of the products that everyone buys and of the demand for the labor that all wage earners sell. More capital in the hands of the capitalists always means a more abundant, better quality of goods and services offered for sale and a larger demand for labor. The further effect is lower prices and higher wages, and thus a higher standard of living for wage earners.Furthermore, the combination of the profit motive and competition operates continually to improve the products offered in the market and the efficiency with which they are produced, thus steadily further improving the standard of living of everyone.In the alleged conflict between the so-called 99 percent and the so-called 1 percent, the program of the 99 percent is to seize as far as possible the wealth of the 1 percent and consume it. To the extent that it is enacted, the effect of this program can only be to impoverish everyone, and the 99 percent to a far greater extent than the 1 percent. To the extent that the 1 percent loses its mansions, luxury cars, and champagne and caviar, 99 times as many people lose their houses, run-of-the mill cars, and steak and hamburger.

    Divorced and alone he headed to Bangkok in search of something, anything. Ting, shy and innocent caught his eye. She smiled at him. For the first time in his life Marshall left his inhibitions to one side and dived in to an exciting new life. But was the delectable Ting all that she seemed? On his journey he meets the affable but hopeless Bob Lowe; economically trapped in Thailand and addicted to the sex and booze so readily available on the streets of the Big Mango. With equal amounts of joy, despair and even at times hope Zach J Brodsky takes us on a tour of an array of absurd characters all milling around a small area of Bangkok. Laugh out loud humour interspersed with tragedy.

    It is the late 1960s and the family enjoy an idyllic life in the Vale of Kashmir, despite the area being riddled with conflict and poverty. But after a devastating earthquake wipes out her entire family, Jaya is taken into the care of relatives in Delhi, who attempt to marry her off and keep secret from her the possibility that Tahir, her younger brother, has survived the earthquake. After escaping from the arranged marriage Jaya is put through medical training in Scotland, as she had always dreamed, and where she develops feelings for her foster family’s eldest son, Alastair, who is engaged to someone else. In the meantime, Tahir has been abducted by a band of Kashmiri freedom fighters, who have made him one of their own. Jaya finally returns to her troubled homeland to find him and come to terms with the loss of her family. Alastair, who arrives in Kashmir to announce his love for Jaya, is kidnapped by the freedom fighters, forcing her to risk everything to get him back.

    In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets--and debt--now.Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts.Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation--no matter what your current asset level. Read this book today and thank yourself later.

    What made ancient India the Golden Bird in the first place? What did China, the Land of the Dragon, have in common with India, and when did these two ancient civilizations diverge on their paths to global success? Raina Singhwi Jain discusses the immediate need and measures for a quantum jump in our attitude towards development. While conventional wisdom suggests improvements in manufacturing, the ease of doing business and digital technology, Jain goes a step further, drawing surprising parallels between other areas that beg our attention—process engineering, communication design, journalism, and education. This is a work of reflection and a call to action, urging Indian denizens to act now for a revival of the genius that lies dormant within each one of us.

    With insight and candor, Bergland answers the most common questions about the freedom philosophy: What exactly is libertarianism? Does libertarianism work in the "real world"? The book lays out the central premise of libertarianism -- "you own yourself" -- and reveals how that deceptively simple statement has an enormous impact on the relationship between government and individuals. Bergland explains where libertarians stand on Social Security, gun rights, the War on Drugs, poverty, the environment, taxes, terrorism, and more. In a fast-paced Q&A chapter, he contrasts the conservative, liberal, and libertarian positions on major issues. Finally, he punctures the muddled thinking that encourages people to turn to government to solve problems. "The best brief introduction to libertarianism available. Bergland is anxious to provide as persuasive and comprehensive a case as he can, and wastes no time getting to the point... He has even adapted it so it can be readily used in classrooms, and sprinkles the book with short sections differentiating among liberal, conservative, and libertarian positions on current issues."--Brian Wilson, radio talk show host

    Economics, finance, business & management

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    And then there are the riders: men of almost superhuman capabilities, men who have become his friends, men whose stories he has written day in day out for the past decade. But even the biggest fan can one day wake up to find that he has lost his faith. Bad Blood is the story of Jeremy Whittle's journey from unquestioning fan to Tour de France insider and confirmed sceptic. It's about broken friendships and a sport divided; about having to choose sides in the war against doping; about how galloping greed and corporate opportunism have led the Tour de France to the brink of destruction. Part personal memoir, part devastating exposé of a sport torn apart by drugs and scandal, Bad Blood is a love letter to one man's past, and a warning to cycling's future.