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

    Using his own life experiences and wisdom as the roadmap, Ryuho Okawa inspires us with practical steps for building courage, choosing a constructive perspective, finding a true calling, cultivating awareness, and harnessing our personal power to realize our dreams. Think Big! offers the support and encouragement to shift to new ways of thinking and mastering self-discipline. Okawa s self-proven approach fosters stability and strength in the challenges each of us faces. In addition to his relatable stories and a motivational voice to keep us going, each chapter builds on the next for concrete methodologies that, when added up, are a track to support your dreams, yourself, and your life. Put in place, these day-to-day life tools can help us in living courageously with no regrets, and maximizing our potential. Think Big! also offers the map that helps us confront self-doubts and move us past discouraging obstacles. This book lets us shift our perspectives on failure and vulnerability, learn to charge toward difficult situations, and move away from judgment when we make mistakes. Fast-tracking our goals takes more than just positive thinking it takes a plan, passion, action and habits that create success. Okawa s simple, relatable wisdom is outlined to cultivate knowledge-seeking, motivated beings that translate personal visions into action for greater happiness and success. Off the pages comes the courage to get unstuck, get clear and focused, and get into action. The transformation is simple; it starts with thinking big. Think Big! a self-development book that can make a big impact toward a meaningful future."

    Includes study guide. 384 pages

    We become hurt, angry, and defensive. We end up seeing others as enemies, and when things don’t go our way, we become enemies to ourselves.But what if we could move past this pain, anger, and defensiveness?Inspired by Buddhist philosophy, this book introduces us to the four kinds of enemies we encounter in life: the outer enemy, people, institutions, and situations that mean to harm us; the inner enemy, anger, hatred, fear, and other destructive emotions; the secret enemy, self-obsession that isolates us from others; and the super-secret enemy, deep-seated self-loathing that prevents us from finding inner freedom and true happiness.

    All of those will begin to blur together into a singular memory called life. What will give someone solace or haunt them until their final breath is what they could have done but did not, who they could have been but never became, the life they could have lived that never came to life. This book is a call and much needed push towards that "most courageous life." By examining the account of Elisha and the King of Israel, McManus demonstrates why it is best to follow God into battle with an empty quiver. He shows the reader why leaving everything on the battle field feels risky but yields the deepest sense of fulfillment.

    Now, thirteen years after his transformation, he shares his inspiring story of taking running to the extreme edge of his physical and spiritual breaking points. Having run more than a hundred races, including the Leadville 100-Mile Trail Run and the Hardrock 100, David has achieved unimaginable success in the ultramarathon world, considering his humble start. From barely finishing his first 5k to running 100 miles in less than eighteen hours, David shatters the notion that the front of the pack is a birthright. Among his many outlandish adventures, David talks about doing ten epic events in one year to celebrate his tenth year of sobriety. This mind-bending year of running included running the Boston Marathon four times in one day, running 343 laps around a high school track and running 48 hours on a treadmill. You will feel like you are running alongside him as he navigates his vision quest—all the while hallucinating and breaking from reality in one of the most epic Badwater 135 race experiences ever told. David’s story is raw, honest and pure adrenaline-laden inspiration as he shares his unique brand of Americana and Heavy Metal Buddhism. This book has far more to offer and than just miles travelled and mountains climbed. It's about trying to find a way station of balance somewhere in a world of extremes. It’s about running to create a legacy and develop your own inner strengths. After reading Broken Open, you’ll never doubt how strong you can be, how much you can endure, or whether or not you are capable of finding true happiness.

    Back in 2010, research scientist and entrepreneur Ran Zilca set out from his home in New York on a motorcycle, bound for California in search of the next chapter in his life. Along this soul-searching journey, he spent hundreds of hours in contemplation on the road, met with fellow travelers from all walks of life, and interviewed leading experts in research labs, spiritual centers, and temples all across the country. Six-thousand miles later, he returned home, sold his company, and moved to a different continent. Ride of Your Life chronicles this transformative journey, sharing the collective wisdom Ran learned from one-on-one discussions with spiritual leaders and researchers, including Deepak Chopra, Phil Zimbardo, and Sonja Lyubomirsky. This groundbreaking book in the field of positive psychology is part travel memoir, part spiritual compass, and a practical handbook for personal transformation. Ride of Your Life will help you awaken your dreams and answer your own calling for a happier and more meaningful life.

    Every religion has angels, Sylvia tells us. Different from spirit guides, angels are spiritual messengers who are available to help us if we will simply ask for their assistance. Sylvia goes on to discuss the properties of angels; the true nature of God, good, evil, and the Other Side; and explains how we can overcome guilt, accept ourselves, and thereby understand our own particular “contract.” In the second half of the program, Sylvia leads a meditation that invokes the presence of our angels and individual spirit guides, and invites them to communicate with us. We feel their protection, receive their healing, and with Sylvia’s encouragement, learn how to ask them for the help we desire.

    The sheer enormity of Scripture’s teaching on this subject screams for our attention. In fact, Jesus says more about how we are to view and handle money and possessions than about any other topic—including both heaven and hell. In Managing God's Money, Randy Alcorn breaks down exactly what the Bible has to say about how we are to handle our money and posessions in a simple, easy-to-follow format. Filled with Scripture references, Managing God's Money is the perfect reference tool for anyone who is interested in gaining a solid biblical understanding of money, possessions, and eternity.

    For those who know the secret, the result is untold wealth. Each month, a small group of people - an elite club who have uncovered the mysteries of The AdSense Code- put their knowledge to use and receive checks for tens of thousands of dollars from Google. And untold numbers of additional site owners are regularly generating supplemental income via AdSense while they play, sleep and eat. The AdSense Code is concise and very focused on the objective of revealing the proven online strategies to creating passive income with Google AdSense. The AdSense Code reveals hands-on solutions to many of the concerns and challenges faced by content publishers in their quest to attract targeted traffic, improve content relevance and increase responsiveness to AdSense ads - using easy and legitimate techniques that have worked for those who know the secrets. Google AdSense expert, Joel Comm, provides you with the keys you need to ""crack"" The AdSense Code and unlock the secrets to making money online.

    For instance, the average mall shopper will spend about $100, then leave when she hits that limit. She'll probably buy shoes rather than clothing, because she doesn't want to think about her dress size. And the store most likely to get her money isn't the one with the nicest display or the deepest discounts-it's the one closest to her parking spot.In his consulting with dozens of leading companies, Michael J. Silverstein has interviewed thousands of customers, extracting fascinating patterns about what really drives their purchase decisions. His first book, the acclaimed bestseller Trading Up, has taught a generation of marketers about the "new luxury" phenomenon, and why consumers will happily pay a steep premium for goods and services that are emotionally satisfying, from golf clubs to bathroom fixtures to beauty products.But Trading Up revealed only part of the story of the new consumer. The same middle-class people who are happily trading up at Victoria's Secret and Panera are going on treasure hunts at Costco and Home Depot. And they are often getting as much emotional satisfaction in the discount stores as in the luxury stores. TREASURE HUNT shows how even the most mundane shopping-for things like paper towels and pet food-has become an adventure rather than a tedious chore.In just about every category, both the high end and the low end are growing and innovation- rich. Many middle-class consumers gladly spend $5 a day for a Starbucks venti latte; others spend forty cents a day on home-brewed coffee, feel good about their frugality, and save up the difference to buy Apple's newest Nano. TREASURE HUNT explains the success of companies as diverse as Dollar General, H. E. Butt, eBay, Commerce Bank, and Tchibo.But beware: in our bifurcated global market, businesses need a clear strategy for aiming high or low, while avoiding the treacherous middle, where so many have recently stumbled. If your offering isn't exciting enough to inspire trading up, but not enough of a bargain to satisfy the treasure hunters, you'll have no emotional connection with your target audience. And then, as many fallen companies have discovered, your tried-and-true marketing strategies will go into a severe stall.TREASURE HUNT takes us into the homes of real people making real decisions, and into the CEO's offices of innovative companies finding new ways to accommodate them. Written with the same flair, empathy, and intelligence that made Trading Up an instant classic, this is an essential guide to the moods and habits of the constantly changing consumer.

    Drawing on the principles in 2 Corinthians 5:911, John Bevere reminds us that all believers will stand before God and receive what they have earned in life. In building their lives to be ready for that day, and maintaining an eternal frame of reference, readers will develop significant lives. In keeping sight of the goal, readers will learn to labor for rewards that endurefor timeless eternity.

    This book is to help anyone in search of such provision for themselves or a loved one. This book will teach you how to pray for finances. You will also see three ways to receive answers to financial prayers.

    Whether you want to retire as soon as possible or are looking forward to continuing to work in some form for as long as you can, Retirement 101 guides you through each step as you approach this important milestone. From how to save for the day when you stop—or scale back—working to smart investment strategies to the best states to retire in to how to calculate your benefits, Retirement 101 helps you create a retirement plan to accomplish your goals, whatever they are.

    Dent Jr., bestselling author of The Demographic Cliff and The Sale of a Lifetime, predicted the populist wave that has driven the Brexit vote, the election of Donald Trump, and other recent shocks around the world. Now he returns with the definitive guide to protect your investments and prosper in the age of the anti-globalist backlash.The turn of the 2020s will mark an extremely rare convergence of low points for multiple political, economic, and demographic cycles. The result will be a major financial crash and global upheaval that will dwarf the Great Recession of the 2000s—and maybe even the Great Depression of the 1930s. We’re facing the onset of what Dent calls “Economic Winter.”   In Zero Hour, he and Andrew Pancholi (author of The Market Timing Report newsletter) explain all of these cycles, which influence everything from currency valuations to election returns, from economic growth rates in Asia to birthrates in Europe. You’ll learn, for instance:   • Why the most-hyped technologies of recent years (self-driving cars, artificial intelligence, virtual reality, blockchain) won’t pay off until the 2030s.    • Why China may be the biggest bubble in the global economy (and you’d be a fool to invest there).    • Why you should invest in the healthcare and pharmaceutical industries, and pull out of real estate and automotive.    • Why putting your faith in gold is a bad idea.   Fortunately, Zero Hour includes a range of practical strategies to help you turn the upheaval ahead to your advantage, so your family can be prepared and protected.