There’s just one problem: those and many simi­lar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we’ve taken matters into our own hands, embracing the can-do attitude that if we’re smart enough, we can overcome even daunting financial obstacles. But that’s not true. In this meticulously reported and shocking book, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, prac­tices—from accepting payments from banks and corporations in exchange for promoting certain prod­ucts to blaming the victims of economic catastrophe for their own financial misfortune. Pound Foolish also disproves many myths about spending and saving, including:Small pleasures can bankrupt you: Gurus popular­ized the idea that cutting out lattes and other small expenditures could make us millionaires. But reduc­ing our caffeine consumption will not offset our biggest expenses: housing, education, health care, and retirement.Disciplined investing will make you rich: Gurus also love to show how steady investing can turn modest savings into a huge nest egg at retirement. But these calculations assume a healthy market and a lifetime without any setbacks—two conditions that have no connection to the real world.Women need extra help managing money: Product pushers often target women, whose alleged financial ignorance supposedly leaves them especially at risk. In reality, women and men are both terrible at handling finances.Financial literacy classes will prevent future eco­nomic crises: Experts like to claim mandatory sessions on personal finance in school will cure many of our money ills. Not only is there little evidence this is true, the entire movement is largely funded and promoted by the financial services sector.  Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, Pound Foolish is a compassionate and compelling book that will change the way we think and talk about our money.

    Bilel is the French right-hand man of the most dangerous militant in the world, Abu Bakr al-Baghdadi, the Caliph of Islamic State. He offers Mélodie a way to fill the boredom in her young life: he cares about her, offers beautiful things, spiritual purpose and, in less an idyllic life. Bilel’s seduction is honey-tongued and forceful – and all Mélodie must do is join him and ISIS in their Syrian jihad. Every day he gives more detail, telling her how he drives a jeep filled with guns and bottles of the chocolate milk he loves for hundreds of miles on murderous missions of execution. Every night he lures, seduces and manipulates this vulnerable young woman.A riveting page-turner In the Skin of a Jihadist is a shocking inquiry into how technology is spreading radicalism, the lure of ISIS propaganda, and the factors that motivate young people – including many British teenagers – to join extremist wars in Syria and elsewhere.

    The victim of a twisted, abusive childhood that left him both physically and emotionally scarred, blood and bullets have become his religion. Once partnered with Gabriel Asher before he walked away, Malakai stayed with the Company, honing his lethal skills to become the quintessential lone wolf assassin.When he is contracted to stop the Syndicate—a powerful Japanese crime organization—from blackmailing the chairperson of the Senate Intelligence Committee, Malakai discovers someone is playing Judas and he needs to flush them out before he gets burned.As the chaos and carnage escalate, his life gets complicated by the arrival of a mysterious woman who may have even more scars on her soul than he does. But is she really who she says she is? With betrayal all around him, Malakai knows one wrong move could cost him his life.When the Syndicate hires a ruthless assassin named Jesus to hunt him down, Malakai knows the only way to survive is to fight fire with hellfire.Publisher’s Note: The Assassin’s Betrayal has been updated with new characters, major revisions, and an exhilarating new ending in this brand-new edition.

    This author is exercising her first amendment right to criticize the current administration and using her voice to do something and help others. This book is not an attempt to 'brainwash' or teach hatred and the author has been sure to avoid some of 45's more offensive terminology. Trump fans will not find this amusing at all; mostly everyone else will. Sometimes the truth hurts. Life's too short and the political climate has been too tense. Enjoy this comedic novelty for yourself or makes a great political humor gift. Laughter is the best medicine.

    The Ultimate Key Steps to Self-Discipline

    In Trump as President, Doug Wead offers a sweeping, eloquent history of President Donald J. Trump's first years in the White House, covering everything from election night to the news of today. The book will include never-before-reported stories and scoops, including how President Trump turned around the American economy, how he "never complains and never explains," and how his actions sometimes lead to misunderstandings with the media and the public. It also includes exclusive interviews with the Trump family about the Mueller report, and narrates their reactions when the report was finally released. Contains Interviews with the President in the Oval Office, chief of staff, Mick Mulvaney, Jared and Ivanka Kushner, Donald Trump, Jr., Eric and Lara Trump, and White House insiders.

    Later this year, the REIT industry will experience a watershed event when Standard & Poors creates a new Global Industry Classification Standard (GICS) sector called Real Estate. On September 1st, publicly traded equity REITs will be removed from Financials, where they have been classified since their creation in 1960, and begin trading as their own S&P Sector. This separation from banks and financial institutions already is attracting new investors, but REITs require an industry-specific knowledge that is neither intuitive or readily accessible to newcomers—until now. Using straightforward language and simple example to illustrate important concepts, this book will enable any reader to quickly learn and understand the lexicon and valuation techniques used in REIT investing, providing a wealth of practical resources that streamline the learning process. The discussion explains terminology, metrics, and other key points, while examples illustrate the calculations used to evaluate opportunities. A comprehensive list of publicly-traded REITs provides key reference, giving you access to an important resource most investors and stockbrokers lack. REITs are companies that own or finance commercial rental properties, such as malls and apartment buildings. Despite historically high total returns relative to other investments, such as the Nasdaq or S&P 500 index, most investors are unfamiliar with the REIT industry, and wary of investing without adequate background. This book gets you up to speed on the essentials of REIT investing so you can make more informed—and profitable—decisions. Understand REITs processes, mechanisms, and industry Calculate key metrics to identify suitable companies Access historical performance tables and industry-specific terminology Identify publicly-traded REITs quickly and easily REITs have consistently outperformed many more widely known investments. Over the past 15-year period, for example, REITs returned an average of 11% per year, better than all other asset classes. Since 2009, REITs have enjoyed positive returns; large cap stocks and cash are the only other classes that paralleled that record. Even in 2015, a 'year of fear' related to rising rates, REITs returned 2.4%, beating most all other asset classes. REITs have a long history (over fifty years) of performance, and are about to enter the big leagues. If you feel like you've been missing out, don't keep missing out. Prepare yourself, and your portfolio, to benefit from the demand for REITs that will follow the creation of a Real Estate GICS sector. The Intelligent REIT Investor gives you the information you need to invest wisely and manage your real estate risk effectively. By maintaining a tactical exposure in the brick and mortar asset class, investors should benefit from the information contained in The Intelligent REIT Investor. Join the REIT world and look forward to owning stocks that will help you to sleep well at night.

    John Armstrong turns these approaches upside down, and looks not at money itself, but at how we relate to it and the meaning we attach to it. How does it drive us and frighten us? Can it change the world for the better? And how much do we actually need? Offering surprising and helpful new insights, this book will encourage you to redefine your feelings about money, and ultimately enable you to discover what is really important to you in life.

    

    But often, a company's published accounts offer clues to impending disaster, providing you know where to look. Through the forensic examination of more than 20 recent stock market disasters, Tim Steer reveals how companies hide or disguise worrying facts about the robustness of their business. In his lively style, he looks at the themes that underlie the ways companies hide the truth and he stresses that in an assessment of a company's accounts, investors should always bear in mind that the only fact is cash; everything else - profit, assets, etc - is a matter of opinion. Full of invaluable lessons for investors, the book concludes with some trenchant observations on what is wrong in the worlds of investment, audit and financial regulation, and what changes should be introduced.

    Williams destroys a number of prevailing social myths and explains why the nature of congressmen is not to act in the national interest.

    270-380 BCE) was classical India's greatest thinker and teacher. Through his unparalleled ability to devise result-oriented military, political, and administrative strategy, he overthrew one king, crowned another and paved the way for the establishment of India's first great empire. His seminal work, the Arthashashtra, arguably the world's first comprehensive treatise on statecraft and governance, was written approximately two thousand years before Machiavelli's The Prince.What would Chanakya do if confronted with the various crises that beset contemporary India? Using this question as the starting point for his new book, celebrated writer and thinker Pavan K. Varma has drawn up a practical and detailed plan, modelled on the Arthashashtra, to bring about reform and change in five key areas that require urgent attention governance, democracy, corruption, security, and the building of an inclusive society. Whether it is laying the foundation for an independent and effective Lokpal, or decriminalizing politics and successfully weeding out the corrupt, the solutions he proposes are substantive, well within the constitutional framework, and can make all the difference between intent and action.Chanakya's New Manifesto is both a call to action as well as a deeply insightful account of the challenges facing the country today. It is a book that should be attentively read by everybody with a stake in India's future.

    Along with his candid expose of the problems, he poses some suggestions about what needs to be done to break the stranglehold of the African elites on political power and to set sub-Saharan Africa once more on the road to development.

    He shares his investing philosophy and offers advice on all aspects of financial planning, including engaging an adviser; building a property portfolio; investing in shares, bonds or managed funds; growing your superannuation; and ethical investment.It’s Your Money is an indispensable guide for anyone who wants to do more with their money. Alan shows how, with a few careful steps and some practical wisdom, anyone can invest sensibly and successfully. He gives you the tools to be confidently in charge of your money and your future, your way.It’s Your Money is an indispensable guide for anyone who wants to do more with their money

    And to do this wholeheartedly, energetically and joyfully.’ Finally! A book about saving our planet that is fast, funny and inspiring too. Isabel doesn’t bother with an examination of the problem but gets right on with the solutions. Her aim: to look for every single way that we can take care of the planet; how we live and work, travel, shop, eat, drink, dress, vote, play, volunteer, bank – everything. The feel-good book of the year for anyone who loves nature and knows that one person can make a HUGE difference. ‘This is the joy we need in our lives.’ - George Monbiot ‘She gave my spirit a lift and my feet somewhere to stand.’ - Sir Mark Rylance ‘Practical and realistic as well as visionary.’ - Dr Rowan Williams ‘A manifesto of brilliant advice offered with humility and good grace. A practical guide to empower us all.’ - Isabella Tree ISABEL LOSADA is the bestselling author of six previous books including The Battersea Park Road to Enlightenment.