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

    In this user-friendly and approachable guide, finance writer Erin Lowry helps take the stress out of these tricky conversations. With scripts, tips, and troubleshooting advice, she takes you through every possible money talk scenario, including:- how to tell your friends you can't afford the same lifestyle they can - how to ask your parents if they can afford retirement and if they'll need your support as they age - how to talk to your coworkers about your salary and negotiate with your boss - how to broach the subject of a prenup with your fianc�Lowry arms you with all of the financial knowledge you'll need in order to get the most out of each interaction, whether that's with your friends, your spouse, your employer, or your mom. It's time to demystify our money and hash out these tough topics with the important people in our lives, and this helpful book will make it all much easier.

    The Asylum is a stunning exposé by a seasoned Wall Street journalist that once and for all reveals the truth behind America’s oil addiction in all its unscripted and dysfunctional glory.In the tradition of Too Big to Fail and Liar’s Poker, author Leah McGrath Goodman tells the amazing-but-true story of a band of struggling, hardscrabble traders who, after enduring decades of scorn from New York’s stuffy financial establishment, overcame more than a century of failure, infighting, and brinksmanship to build the world’s reigning oil empire—entirely by accident.

    These are intelligent, well-meaning answers but they are also completely wrong. More valuable than money, human resources, and intellectual property, Passion Capital is what separates leaders from followers, and innovators from imitators. It is the foundation upon which all other forms of capital are built. Passion is an emotion, but Passion Capital is tangible. It is the energy, intensity, and sustainability leaders use to build lasting value and competitive advantage. Organizations that possess Passion Capital – Apple, Johnson & Johnson, Four Seasons Hotels, the Montreal Canadiens, among others – lead their sectors, while those that rely on established forms of capital may get stuck in neutral and fail to achieve their full potential.Passion Capital presents seven principles for growing and investing in this new asset class and includes over fifty insightful stories drawn from business, not-for-profit, the arts sector, and politics.  In this groundbreaking book, veteran business leader Paul Alofs ushers in a whole new way of thinking about the very definition of success and reveals how to acquire the world’s most valuable asset and apply it to your career, company, or cause.

    It’s as easy as 1-2-3—simply personalize, print, and protect.      Suze Orman and her own estate trust attorney have created the most state-of-the-art documents found anywhere. There are more than $2,500 worth of estate documents in this kit. Why pay thousands of dollars when you can get the same documents in this kit for $19.95!      This kit includes:•     More than 50 state-of-the-art documents•     Free automatic on-line updates•     Verbal and written instructions taking you step by step through the four must-have documents•     Password protection securing multiple users’ information•     A tutorial that shows you everything you need to know•     10 electronic books                                         PC and Macintosh Compatible . . . and good in all 50 states!

    But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion. By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.

    Whether it's through mortgages, student loans, or credit card debt, nearly all of us (especially real estate investors!) are in the note business. The trouble is, most people are on the other side of it: writing checks to note owners rather than cashing checks as note owners. Understanding how to utilize basic note and financing concepts explained in this book will help real estate investors like you to:Borrow smarter by making debt your friend. Raise money for your investments easier by understanding and appealing to private investors. Squeeze more profits out of the deals you're already doing by utilizing creative offers and multiple financing strategies. Scale your investing through a passive investment vehicle that is backed by hard real estate without the tenants, termites, or toilets. Use note investing to pay for expenses like student loans and life insurance, or simply to provide additional cash flow for you into retirement. Become the bank and begin to use every form of leverage you have available! Not another cookie-cutter "how to" book, Dave instead takes readers on a journey with him as he looks back over lessons learned across three decades of real estate investing, and the path that led him to his success today in the note industry. He teaches by example, illustrates with real-life stories, and gives a 30,000 ft. view of the note space, introducing readers to a new way of investing.So whether you're a wholesaler, rehabber, landlord, or even turnkey investor, reading this book will help you turn your focus to the "other side" of real estate. For both new and experienced investors alike, no matter where you are in the real estate business, the strategies in this book can help you build sustainable wealth today and for years to come.

    Many people have passion and a burning desire to achieve something more but need direction and assistance focusing their energy. In this book, I have outlined six key points on the path to experience the life of an entrepreneur. These points will become your personal “compass” and will help you point the way to setting a vision that is uniquely yours as you pursue your dreams. You will also get a glimpse into the lives of several very successful entrepreneurs along the way. The key points are: 1. The Truth – Accepting Reality 2. Vision – Looking Forward 3. Commitment – Staying with Your Vision 4. Resiliency – Recovering from Setbacks 5. Validation – Experiencing Confirmation 6. Drifting or Driving – The Challenge! My hope is that this book motivates you to action and you personally discover the satisfaction of the life of an entrepreneur.

    Dr. Anderson combines biblical principles with expert financial advice, equipping readers with the tools they need to attain the riches they deserve. An invaluable resource for current or would-be investors or entrepreneurs, this book not only inspires readers to become educated about finances but also spurs them on to action and compels them to move forward confidently to achieve their financial dreams. New content includes callouts and new chapters on how to invest safely in today's market and on understanding that Jesus wasn't poor.

    

    But unfortunately, most of us don't have a clue how to reach these all too elusive goals. Quite simply, there's no definitive road map for getting there, no proven plan, and certainly very little access to those who have become "the richest man in town." But now W. Randall Jones, the founder of Worth magazine, is about to change all that. He's traveled to one hundred different towns and cities across the country and interviewed the wealthiest resident in each. No, these are not those folks who inherited their wealth, or happen to be a CEO of a Fortune 500 company. Rather, these are the self-made types who, through hard work and ingenuity, found their own individual paths to financial success. Remarkably, during his research, Jones found that these successful people were not so different from one another. They all shared many of the same traits and followed what the author calls the Twelve Commandments of Wealth: stay hungry (even when you're successful) . . . you really do learn more from failing than you may think . . . absolutely be your own boss, the sooner the better . . . understand that selling is the key to success . . . where you live doesn't matter . . . never retire, and other, more surprising revelations. Practical, unique, and inspiring, this book lets you peek inside the living rooms of dozens of America's most successful people-and shows how you, too, can become The Richest Man in Town.

    Mitch Feierstein reveals the true debts of Britain, the US government and the eurozone - the full picture, not the figures the politicians would have us believe.In Planet Ponzi, Feierstein explains clearly the background to the world's worst financial crisis for seventy years, predicts the next steps in this infinitely dangerous game and offers practical advice on measures which you personally can take to protect yourself and your family.

    The typical American trades the vast majority of their time and energy for the hope that, someday, they will be free. Meanwhile, their intense pursuit of financial success is the very thing robbing them of freedom. So, Where Do We Find Freedom? What Should We Pursue/ In Lifeonaire, Steve Cook and Shaun McCloskey challenge you to consider what it is that you really desire. Through this story, they show how Americans often blindly pursue financial wealth thinking that it will reward them with what they want. But, what we really want is life. Our heart's desire is to become more than just a "success" by the world's standards- more than a millionaire. What we really want is to become a Lifeonaire.

    This is the gripping tale of Britain's top investor's fall from grace and the shattering consequences. The proud owner of a sprawling £14m estate in the Cotswolds, boasting a stable of eventing horses, a fleet of supercars and neighbouring the royal family, Neil Woodford was the most celebrated and successful British investor of his generation. He spent years beating the market; betting against the dot com bubble in the 1990s and the banks before the financial crash in 2008, making blockbuster returns for his investors and earning himself a reputation of 'the man who made Middle England rich'. As famous for his fleet of fast cars and ostentatious mansions, he was the rockstar fund manager that had the lifestyle to match. But, in 2019, after a stream of poorly-judged investments, Woodford's asset management company collapsed, trapping hundreds of thousands of rainy-day savers in his flagship fund and hanging £3.6bn in the balance. In Built on a Lie, Financial Times reporter Owen Walker reveals the disastrous failings of Woodford, the greed and opulence at the heart of his operation, the flaws of an industry in thrall to its star performers and the dangers of limited regulation. With exclusive access to Woodford's inner circle, Walker will reveal the full, jaw-dropping story of Europe's biggest investment scandal in a decade.

    In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.