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

    This informative and indispensable reference reviews fundamental information about fluids, electrolytes, and acid-base balance; identifies electrolyte, fluid, acid, and base imbalances; describes imbalances in major health problems and their consequences; and explains how to treat those imbalances—all in an easy-to-understand, comprehensive, enjoyable format.

    While her family was poor, their lives were rich in the ways that mattered most. Even at a young age, she had an innate sense of justice, which was reinforced by the lessons her parents taught her: Everyone deserves dignity. All people are equal. Those who work hard reap the rewards. Willful, spirited, and unusually intelligent, she discovered in Pincher Creek an extraordinary tapestry of people and perspectives that informed her worldview going forward. Still, life in the rural Prairies was lonely, and gaining access to education—especially for girls—wasn’t always easy. As a young woman, McLachlin moved to Edmonton to pursue a degree in philosophy. There, she discovered her passion lay not in academia, but in the real world, solving problems directly related to the lives of the people around her. And in the law, she found the tools to do exactly that. She soon realized, though, that the world was not always willing to accept her. In her early years as an articling student and lawyer, she encountered sexism, exclusion, and old boys’ clubs at every turn. And outside the courtroom, personal loss and tragedies struck close to home. Nonetheless, McLachlin was determined to prove her worth, and her love of the law and the pursuit of justice pulled her through the darkest moments. McLachlin’s meteoric rise through the courts soon found her serving on the highest court in the country, becoming the first woman to be named Chief Justice of the Supreme Court of Canada. She rapidly distinguished herself as a judge of renown, one who was never afraid to take on morally complex or charged debates. Over the next eighteen years, McLachlin presided over the most prominent cases in the country—involving Charter challenges, same-sex marriage, and euthanasia. One judgment at a time, she laid down a legal legacy that proved that fairness and justice were not luxuries of the powerful but rather obligations owed to each and every one of us. With warmth, honesty, and deep wisdom, McLachlin invites us into her legal and personal life—into the hopes and doubts, the triumphs and losses on and off the bench. Through it all, her constant faith in justice remained her true north. In an age of division and uncertainty, McLachlin’s memoir is a reminder that justice and the rule of law remain our best hope for a progressive and bright future.

    Longtime users will recognize these distinctive characteristics of the casebook: - multi-disciplinary approach that utilizes a variety of critical and social perspectives to explore constitutional law - extensive textual summaries of the state of the law and its development - comprehensive book ideal for a two-semester course - clear and concise coverage of First Amendment law The Fifth Edition reflects recent developments and class experience: - issues of constitutional obligation and constitutionalism in times of crisis incorporated into the opening chapter - reorganization of materials on the powers of Congress, with the materials on other powers of congress separated into a new Chapter 3 - completely updated chapter on the Distribution of National Powers, with new material growing out of the war on terrorism and its implications for free speech, immigration, naturalization, privacy, and due process, as well as enemy combatant controversies - notes are shortened, simplified, and thoroughly updated

    That's what happens to many bloggers. They work hard and create great content, but there's no way their blog will succeed. Why? Because they failed to research their blog topic ahead of time. In "How to Find a Profitable Blog Topic Idea" you'll learn a proven formula for locating a winning idea that merges YOUR personal passion with something that will actually make money. Start Your Blogging Journey... Finding a great niche is one of the first steps you'll take as a blogger. That's why it's important to get it right. Everything you do online depends on locating a topic that actually has profit potential. Fortunately, it's not hard to research a blog niche. Really, it's a simple process that anyone can do - even if you don't have computer experience. Follow the Six-Step Plan for Starting a Blog "How to Find a Profitable Blog Topic Idea" provides a step-by-step strategy that can be applied TODAY. Here's what's covered: Learn the 3 B's of Demonstrating Authority Complete the Four-Step Plan for Identifying Your Passion Use Four Tools to Find a "Hook" for Your Blog Follow the Seven-Step Plan to Determine the Profit Potential of ANY Market Ask Five Simple Questions to Finalize Your Blog Decision Learn How to Make LOTS of Mistakes and Still Succeed as a Blogger It's not hard to find a great blog idea. Just follow this blueprint and you can do it today. Would You Like To Know More? Download now and locate that perfect blog idea.

    It is authoritative, current, highly readable, and widely used at law schools throughout the nation. Coverage focuses on the basic elements of, and defenses to, specific crimes, such as homicide, rape, and theft, as well as group criminality and inchoate liability. The common law is emphasized, with extensive comparisons to the Model Penal Code and thoughtful examination of the underpinnings of the utilitarian philosophies of substantive criminal law. The text encourages students to consider the approach these philosophies would take to a particular matter under discussion, thus providing an excellent learning tool for gaining a firm understanding of how our criminal justice system works.

    Blending theory with practice, this book provides applied advice.

    This user-friendly training guide includes groups of instructional exercises and practice tests on various aspects and features of the sixth edition of the Publication Manual, including electronic references and citations, grammar, headings, seriation, statistical and mathematical copy, italics, capitalization, numbers style, and table formatting.

    Written by two experts in the field, the book offers the reader and authoritative and comprehensive guide to all aspects of EU law. Though the unique mix of text and cases and materials, the fully revised and updated third edition addresses all recent key developments in legislation, with particular focus on the Treaty of Nice. The structure and format of the chapters have been substantially improved by introducing tools to help navigate throughout the text. In particular, there are new sections on 'central issues, ' which introduce each chapter, summaries that explain complex concepts and legislation and conclusions that draw all themes and analysis together

    Fortunately, the ability to read law well (quickly and accurately) is a skill that can be acquired through knowledge and practice. The sooner the student masters these skills, the greater the rewards. Using seven specific reading strategies, reinforced with hands-on exercises at the end of each chapter, this book shows students how they can read law efficiently, effectively, powerfully, and confidently. Reading Like a Lawyer is divided into 3 parts: * Part I introduces the reader to the fundamentals of legal reasoning upon which law-based reading builds; * Part II introduces the reader to concrete strategies for reading effectively in law school; * and Part III teaches strategies for reading law outside of the law school context.

    Learn how they found the property, analyzed it, and brought together FOUR different creative finance strategies to buy the property for almost no money out of pocket. This book is fast paced, short, and easy to read - but will help you gain valuable insight into what's possible for YOUR future.

    The twelfth edition of this classic reference has been revised and updated to provide all the information creative professionals need to keep up with current trends and compete in an ever-changing industry.

    "Social Media Explained" explores the fundamental strategies and answers the biggest questions every business professional needs to answer before diving into a social media initiative! The is the must-have guide for understanding the sociological and psychological drivers that make social media marketing work.

     In this new edition, Management, 9e has been extensively revised with a sincere commitment to help instructors teach and students learn in today's complex and globally competitive environment. The subject matter has been carefully chosen to meet AACSB accreditation guidelines while allowing extensive flexibility to fit various course designs and sizes. Along with updates of core material, Management, 9e offers a number of changes in the organization, content, and design that respond to current themes and developments in the theory and practice of management.