What is needed, argues Ashvin B. Chhabra, is a framework that shifts the focus of investment strategy from portfolios and markets to individuals and the objectives that really matter: things like protecting against unexpected financial crises, paying for education or retirement, and financing philanthropy and entrepreneurship.The Aspirational Investor is a practical, innovative approach to managing wealth based on key goals and the careful allocation of risks rather than responding to the whims of the financial markets. Chhabra introduces his “Wealth Allocation Framework,” which accommodates the three seemingly incompatible objectives that must underpin every sound wealth management plan: the need for financial security in the face of known and unknowable risks; the need to maintain current living standards over time despite inflation; and the need to pursue aspirational goals for wealth creation.Chhabra reveals some surprising facts about wealth creation, reinterprets the success formulas of investing greats like Warren Buffett, and closes the gap between theory and practice by simplifying our understanding of key asset classes and laying out a concise roadmap for identifying, prioritizing, and quantifying financial goals. Raising the bar for what we should expect from our investment portfolios—and our financial advisors—The Aspirational Investor sets us on a path to more confident and fulfilling financial lives.

    When hearing those words just a couple of years back, people used to say: It’s a scam, financial bubble IThere is no point in investing, the price is too low INo country will ever recognize cryptocurrency IIt’s an obvious pyramid scheme IIt’s a sort of amusement for nerds IIt's not serious, it will collapse in a couple of years. Until recently, cryptocurrency had been viewed as a sort of amusement for a handful of the chosen who bought and sold something and believed that a new currency would make a hit one day! You surely were also among those people who did not take Bitcoin and cryptocurrency seriously, but the current events gag even the biggest skeptics. Current Bitcoin price is 6,644$* The price of the most popular cryptocurrency repeatedly breaks all the unthinkable records. Capitalization is about $120 billion World recognition The world's largest economies – India and Japan – recognized Bitcoin as the official currency. The US authorities recognized cryptocurrency as the asset. And this is just the beginning. Mining on an industrial scale The cryptocurrency market is extremely fast-changing, and it is almost impossible to monitor the situation and make the right decisions on your own. Most people have no proper experience, time and money for that. My book gives basic yet quite extensive information for those people who do not chase a rainbow but want to build a long-term profitable business in one of the cryptocurrency areas: from mining to investing. So, this book is not about: Illegal ways of making money Praising cryptocurrency and urging you to invest in it to the last penny Fraud techniques and making a fast buck Boring and pointless theory Ways to earn millions without investments and risks This book will help you get to learn the following: Which way of making money in cryptocurrency market suits you best. Where should you start if you have just $500. What information about cryptocurrency the experts withhold (Take the rose-colored glasses off!). How to elaborate a personal strategy, set up your own cryptocurrency business and earn your first $3,000-10,000 as early as 2018. I can also guarantee that you: Puzzle out the main present-day currency trend even if you are clueless about economics, finance and technology. Understand whether you really want to invest in cryptocurrency (perhaps, this type of business doesn’t suit you at all and you will save your time) Get to learn how to check the risks and not to invest in the first available currency Having considered my experience, protect yourself from possible failures and pouring money down the drain which will inevitably happen if you go it blind.

    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.

    Investing the Templeton Way provides a never-before-seen glimpse into Sir John's timeless principles and methods.Beginning with a review of the methods behind Sir John's proven investment selection process, Investing the Templeton Way provides historical examples of his most successful trades and explains how today's investors can apply Sir John's winning approaches to their own portfolios. Detailing his most well-known principle investing at the point of maximum pessimism- this book outlines the techniques Sir John has used throughout his career to identify such points and capitalize on them.Among the lessons to be learned:Discover how to keep a cool head when other investors overreact to bad newsBecome a bargain stock hunter like Sir John-buy the stocks emotional sellers wish to unload and sell them what they are desperate to buySearch worldwide to expand your bargain inventoryProtect your portfolio from yourself through diversificationRely on quantitative versus qualitative reasoning when it comes to selecting stocksAdopt a virtuous investment strategy that will endure in all market conditions

    YouTube : I Invented You Tube is the true story of how Eric Skaggs gave Chad Hurley the idea for YouTube from domain name to exit strategy and everything else in between in exchange for a promise of one percent of $1.65 billion.

    This is the book for you because it will help you hit the ground running once you get your license. It is written by an actual, active Realtor. Mario Jannatpour is with RE/MAX Alliance in Louisville, Colorado and what he writes about is based on his experience of what it takes to be successful today as a Realtor. Mario has been a Realtor since 2002. Reader Review: Are you green in real estate or a veteran? Do you know what buyers and sellers are looking for when they are looking at you? What qualities differenciate you from your competition? Mario has helped pin point what today's buyers and sellers are looking for in their real estate agent giving relavent information as well as insight on how you should handle different situations. We all know that honesty is the best policy yet the profession of representation is riddled with pot holes where one can stray. This book will help any new agent or seasoned agent gain a true north when dealing with clients. Mario's first book, Must See Inside, was a great introduction to the real estate business and with this book, The Honest Real Estate Agent, Mario dives deeper on how to "be" a real estate agent which means doing the right thing, always! I sincerely recommend this book for anyone who is getting into the business and wants to get a firm handle of how to "be" great at your job. Addy Saeed, RE/MAX Active Realty (Toronto, Canada)

    Simple, isn’t it? But what if you neither have the guts to leave the job nor know what you love to do? Complicated, isn’t it?Meet Raghav, who like millions of other software professionals, is stuck in a similar situation. But don’t worry, his destiny has better plans for him. What plans you may ask? Well, getting him fired.This novella takes you on a light-hearted tour of the contemporary software industry where you can ask the haunting question loudly- is getting sacked a blessing in disguise? About the author Sandeep is a software professional and lives in Pune. He is an IIT Bombay alumnus but doesn't brag about it unless a situation emerge. He spends more time observing people than on his monitor. He loves tea but hates many things like writing about himself as a third person. Thank God I'm Fired is his second book.

    BE BRAVE AND START SOMETHING YOU LOVE.Does this sound familiar... You tick all the right boxes; school, university, corporate career. You have a sensible profession, a fancy job title, proud parents, decent salary, pricey holidays…but there’s a nagging feeling that something isn’t quite right? A realisation that you’re not completely fulfilled? Surely you should be as happy as Larry – are you being ungrateful? HELL NO. You want a different life – no spreadsheets, no commute, no late nights at the office. But if not that…then what? That is exactly what Escape The City are here to do – show you what other options are open to you.Escape The City is a community based website built around a simple concept: there is more to life than doing unfulfilling work in big corporate companies. The online platform is designed to help corporate professionals find exciting jobs, start their own businesses, and go on big adventures. The Escape Manifesto is here to support, inspire and encourage us all to make big and brave transitions in our lives.• Examines the reasons why so many people are unsatisfied with the corporate world• Explores the alternatives and the common barriers to achieving your dreams• Advice and support for making the transition to something new and developing a strategy for work and life• Contains tons of real-life examples of people who have made the leap

    Now what do I do?"All too often business owners and real estate investors are asking this question. They have formed their protective entity -- be it a corporation, LLC or LP -- and don't know what to do next.Run Your Own Corporation provides the solution to this very common dilemma. Breaking down the requirements chronologically (i.e. the first day, first quarter, first year) the audiobook sets forth all the tax and corporate and legal matters new business owners must comply with. Written by a Rich Advisor Garrett Sutton, Esq. who also authored the companion edition Start Your Own Corporation, the audiobook clearly identifies what must be done to properly maintain and operate your corporation entity.From the first day, when employer identification numbers must be obtained in order to open up a bank account, to the fifth year when trademark renewals must be filed, and all the requirements in between, Run Your Own Corporation is a unique resource that all business owners and investors must have.

    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.

    As far as heroin addiction is concerned, I’m not sure there really is such a thing. And of course, I never intended to write a sequel, but after NEEDLE was published it wasn’t long before I realized a number of readers, many of them addicts or family members and friends of addicts, were eager to learn how I recovered from a decade of opiate abuse. But again, regardless of what the “experts” say, I’m not sure there is such a thing—at least beyond what is often a precarious state of abstention—because “recovery” implies something different, or at least something more complete and comprehensive than the reality of the situation should suggest. Indeed, it implies the “recapturing of something that was lost, or the process by which one attempts to do so.” However, regardless of my own opinion, my own non-medical industry opinion, although I had cast a few lines out to gage reader interest, I never truly expected to write another NEEDLE-related account of my life. But ironically, ANY account of my life post-NEEDLE would inherently have to address my addiction because regardless of my continued state of abstention—I’m constantly reminded of it: an old friend, fallout from the past, a song, a famous overdose, a suddenly gentrified street and of course, my long-lost innocence has a haunting potential and so...I’m not sure there is such a thing. In any event, spurred on by my activist efforts and my readers’ interest, while in the midst of fostering a 15 year-old Himalayan cat that was rescued from an empty apartment where it was holed-up in a bird cage for three years and was now ready to rip my face off (perhaps as some sort of Karmic comeuppance for failing felines in the past), I decided to give it my best effort. After all, at the very least it might shed some insights for addicts and provide additional help for the homeless animals which, of course, is my new addiction—though it’s far more distressing and devastating than the old one. It is, in fact, the same part of my life which, prior to writing NEEDLE TOO, I briefly discussed and published at www.Needleuser.com back in 2012, and though I’m loath to regurgitate material—even if it was just a few pages shared with a very small percentage of readers—it was too important to do without in the most recent context because it detailed an event that was pivotal in how I got to where I am. And though I still question the realistic possibility of a complete recovery, after almost twenty years I'm still somehow here to tell the tale. So here it is…and thanks for being a Needle user.

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    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.

    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

    Google's AdWords platform enables you to create pay-per-click advertisements that appear as 'sponsored links' when someone searches for content related to your product or service. You bid for the position to place your ad, and you only pay when someone clicks. It's that simple. If used correctly, AdWords can garner higher targeted traffic, which in turn will increase your conversion rates and profits. So, AdWords will definitely help your business, but you have no idea how to utilize them. What should you do? Take a couple of hours to read this book. Google AdWords for Beginners is designed to teach you the fundamentals of AdWords, how it works, why it works, and the proven techniques that you can use to make it work for you and your business. Additionally, this book details an eight-step blueprint that has consistently delivered positive results for companies. Upon completion, you'll be armed with the knowledge to launch profitable campaigns or drastically improve an existing one.