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

    First, it is ridiculed. Second, it is violently opposed. Third, it is accepted as self-evident." --Arthur SchopenhauerThe Ponzi Factor is the most comprehensive research ever compiled on the negative-sum nature of capital gains (non-dividend stocks). The book shows why, as a whole, ALL investors will lose money from buying and selling stocks.Most people don’t realize that profits from buying and selling stocks come from other investors who are also buying and selling stocks. When one investor buys low and sells high, another investor is also buying high and needs to sell for even higher. Companies like Google, Telsa, Facebook never pay their investors. Their investors’ profits are dependent on the inflow of money from new investors, which by definition, is how a Ponzi scheme works.This book is not for everyone. If you are a finance junkie who wants to rationalize why companies don’t have to pay their investors and believe a system that shuffles money between investor can magically create more money than people contribute, then this book is not for you. On the other hand, if you understand why we can’t create money by shuffling it with imaginary paper, and that investors invest because they want money, not value, then you will learn something you will never forget: The mechanics of how the stock market works and what really makes a stock price move.A stock without dividends is a Ponzi asset. It’s not how equity instruments were designed to work historically and not how ownership instruments are supposed to work logically. The Ponzi Factor is not a perspective or an opinion. It is a proof that is based on definition, logic, and it is supported by observable facts and history. This is not a story that will disappear after another market crash. It is an idea that will remain relevant for as long as the stock market exists.Lastly, to critics, the naysayer, and the finance junkies who think the imaginary value = cash. The author will award $20,000 to anyone who can show why non-dividend stocks DO NOT meet the definition of a Ponzi scheme. That’s $20,000 in cash, not value. (Details on this book's website. The Ponzi Factor. Proof by Definition.)

    As you identify your tribe and divinely align in time with God's calendar, you will discover how to find your position in God's Kingdom, how to war effectively for your inheritance, and then walk in His blessings.A Time to Advance: Understanding the Significance of the Hebrew Tribes and Months will help you understand how God is developing His whole conquering army for today. You will also understand how each part moves together, and the redemptive quality of God's covenant plan for Israel. This will help ground you on how we are grafted into a movement in days ahead.As you learn how to think like God thinks and study the Hebrew tribes and months, you will receive prophetic understanding of how the Lord orders your steps throughout the year. You will also see your place in God's next Triumphant Reserve that is rising in the Earth today!

    Gathered together by Wu-men (Mumon), a thirteenth-century master of the Lin-chi (Rinzai) school, it is composed of forty-eight koans, or cases, each accompanied by a brief comment and poem by Wu-men.Robert Aitken, one of the premier American Zen masters, has translated Wu-men's text, supplementing the original with his own commentary -- the first such commentary by a Western master -- making the profound truths of Zen Buddhism accessible to serious contemporary students and relevant to current social concerns.

    You can’t buy it! The price is your own application of the seven existing laws.

    Let s say you re listening to a loony liberal, debating some dopey Democrat, or arguing with a gaggle of goofy lefties. Wouldn t it be great to have the facts to combat all those liberals lies? Well, here it is: finally, the book that sets the record straight! Radio host and author Gregg Jackson has written THE authoritative answer book for conservatives concerning our nations key concerns: Abortions, terrorism, the Patriot Act, separation of church and state, immigration, the environment, homosexual marriage, taxes, deficits, school vouchers, gun control, health care, social security, education, media bias, and President Bush s real record of achievements. What makes Conservative Comebacks to Liberal Lies so important is that it gives conservatives, right-leaning independents, and even disaffected Democrats the truth they need to counter common liberal claims. Issue by issue, the book offers clear and concise conservative responses and comebacks. Here is a brilliant, A-to-Z reference book that gives readers clear-cut answers on today s most pressing political and social issues. Conservative Comeback to Liberal Lies should be in the hands of every red-blooded conservative in America!

    Do that, and the whole world becomes your teacher, you wake up to the sacredness of every aspect of existence, and compassion for others arises without even thinking about it. It's indeed just that simple, says Zen teacher Ezra Bayda, but that doesn't necessarily mean it's easy—especially when being present brings us up against the painful parts of life. Bayda provides a wealth of practical advice for making difficult experiences a valued part of the path and for making mindulness a daily habit. He breaks practice down into three phases:    •  The Me Phase, in which we uncover our most basic and tightly-clung-to beliefs about ourselves, observe our emotions, and become intimate with our fears    •  Being Awareness, in which we cultivate a larger sense of what life is, transforming our limited experience into a more spacious sense of being    •  Being Kindness, in which we learn to connect with the love that is our true nature, and learn to live from that place of kindness and compassion

    

    Written in Bob Frissell's warm, personal style with updated commentary, Something in This Book Is True is both an account of Frissell's journey to inner discovery and empowerment and a most unusual reader's guide. Delving into topics as eclectic as polarity consciousness, emotional body clearing, and higher selves, Frissell affirms that humanity is composed of spiritual beings having human experiences—not vice versa. This new edition incorporates photos and illustrations into Frissell's engaging text.

    Fans of the hilarious essays that made up the author's first book, Zen Confidential, will find even more hilarity here--along with Zen insight applied to the things that happen in this thing called daily life. Whereas Shozan Jack Haubner's first book presented the Zen teaching in terms of outhouse-building, oyroki-bowl-stacking, and anatomy adjustment as one takes one seat on the zafu, this one goes deeper into experiences of love, death, and sex. And though the writing is still funny, it bears the mark of a guy who's been through the mill and who's come back to save all beings. The wide-ranging experiences of this funny and insightful monk--both inside and outside the monastery--include his memories of the dysfunctional Midwestern family life that led him ultimately to Zen practice (with a father resembling Mel Gibson on a bad day) and his confrontation with the everyday insanity that seems to arise whenever anyone declares, -I think I should be a monk!- Among the less-funny stuff is his harrowing brush with death from pancreatitis and his moving experience of the death of a dear friend. There's also a graphic account of the night he got stoned and went -over the wall- from the monastery to have some real fun. That he pulls it all off and it's still hilarious, moving, and profoundly expressive of Zen wisdom is a tribute to Haubner's gifts as a writer and humorist, but also to the sincerity of his practice. The insight makes the humor even funnier somehow, and the humor makes the insight hit home with much power.

    Its manufacturing underpins the world's economy; its military is growing at the fastest rate of any nation and its leader - Xi Jinping - is to set the pace and tone of world affairs for decades.In 2017 Xi Jinping became part of the constitution - an honour not seen since Chairman Mao. Here, China expert Kerry Brown guides us through the world according to Xi: his plans to make China the most powerful country on earth and to eradicate poverty for its citizens. In this captivating book we discover Xi's beliefs, how he thinks about communism, and how far he is willing to go to defend it.

    In Perennial Psychology of the Bhagavad Gita, Swami Rama makes this classic scripture accessible to all students by vividly drawing out the psychological concepts found within. The teachings in this book are based on the understanding that the outside world can be mastered only when one's inner potentials are systematically explored and realized.With the guidance and commentary of Himalayan Master Swami Rama, you can explore the wisdom of the Bhagavad Gita, which allows one to be vibrant and creative in the external world while maintaining a state of inner tranquility. This commentary on the Bhagavad Gita is a unique opportunity to see the Gita through the perspective of a master yogi, and is an excellent version for practitioners of yoga meditation. Spiritual seekers, psychotherapists, and students of Eastern studies will all find a storehouse of wisdom in this volume.

    Yet, each moment of joy is only that: momentary, showing up the rest of our lives to be unsatisfying, somehow lacking and incomplete. On the other hand, Vedanta, the body of knowledge found at the end of the Veda, asserts with breathtaking boldness that one's true nature is completeness and limitlessness. Vedanta also promises that moksa, liberation from all forms of limitations that seem to bind a human being, is possible here and now. In this lucid, lively introduction to Vedanta, Swami Dayananda shows how man's constant struggle to overcome these limitations through the ceaseless pursuit of security and pleasure are predestined to failure for the simple reason that they are misdirected: they stem from a failure in understanding the real nature of the fundamental problem itself. All effort howsoever great or unremitting being limited, the result of such effort is also bound to be equally limited, inadequate. The road to freedom from limitation, then, can scarcely lie that way. Indeed, asserts Vedanta, it is only to be found in the correct knowledge of one's true nature as absolute. This vital first step, a clear understanding of man's fundamental problem of ignorance and error about his real nature. Is what this book is all about.

    This is a book about how many of the 'big' philosophical and religious questions that have puzzled mankind for centuries can be answered by recent breakthroughs in science.

    True religion is the highest Way, the absolute Way: zazen."Here, Deshimaru, the author of True Zen, offers practical suggestions for developing unitary mind-body consciousness through the principles of zazen (translated literally as "seated meditation"). Advice is given on posture, breathing, and concentration, and concepts such as karma and satori are clearly explained.