Never started a 401k or IRA? Don’t worry. And are you so far behind in your personal finances you’re worried you’ll never be able to retire? It’s all good. Because whether you know it or not, the entire US retirement system is horribly flawed and was doomed to fail anyway. And that’s why every American needs to read “Poor Richard’s Retirement.” “Poor Richard’s Retirement” is a revolutionary retirement system because, unlike today’s conventional retirement planning, it works. It puts retirement easily within the reach of your everyday man. Whether you have student loans, a mortgage, are behind in your retirement planning, or have no retirement savings at all, “Poor Richard’s Retirement” bypasses it all by showing you how little you truly need to retire. And it does so through the simple truth that happiness is not found in $400 yoga pants, luxury SUV’s, McMansions, or whatever lies they’re selling you on TV, but through love of family, friends, and your fellow man. All of which are free. Make retirement infinitely easier and life happier. Buy “Poor Richard’s Retirement” today. Nobody in America has saved enough for retirement…until now.

    Topics include:• Archived Items • Battery Replacement • Calculator Functionality • Checking Your Email • Collections • Contacting Amazon's Kindle Customer Service • Converting PDF Documents to Kindle Format • Discussion Boards • Displaying the Time • Download Problems - What To Do • Formatting Issues in a Kindle Book - What To Do • Games on Your Kindle • Gifting a Kindle Book / Gift Certificates • Internet Access (it’s free) on Your Kindle • Internet Bookmarks• Kindle Reading to You (Text to Speech) • Lending Books• Losing Your Place While Reading • Lost Kindle Tip • Mobile Websites - Access Them on Your Kindle • Password Protection • Permanent Deletion of a Title • Pictures on Your Kindle • Playing Music on Your Kindle • Popular Highlights Feature - Turning it Off • Reset Your Kindle • Samples of Books • Screen Freeze Fix • Screenshots - Printing Out What You See • Social Networking with Facebook and Twitter • Transferring Books to Your Kindle • Transferring Existing Collections to Your New Kindle • Checking the Weather • Wireless Coverage for Your Kindle • Random Tips • Blogs Available on Your KindleMichael Gallagher is the author of several bestselling Kindle “how-to” guides, and his title “Free Kindle Books and How to Find Them” has been the #1 Kindle reference guide for over two years, garnering #53 and #72 on the Top 100 Kindle bestseller lists for all Kindle book titles in 2010 and 2011, respectively. His “Kindle Books and Tips” blog has been the #1 bestselling subscription blog in the Amazon Kindle Store since 2010. You can visit his author page on the Amazon website at http://www.amazon.com/author/gallagher

    Economics, finance, business & management

    This edition covers updates on the laws, numbers, and planning strategies. Illustrations.

    What Every Real Estate Investor Needs to Know About Cash Flow removes the guesswork from investing in real estate by teaching you how to crunch numbers like a pro, so you can confidently judge a property’s value and ensure it provides long-term returns. Real estate expert, Frank Gallinelli has added new, detailed investment case studies, while maintaining the essentials that have made his book a staple among serious investors. Learn how to measure critical aspects of real estate investments, including: Discounted Cash Flow Net Present Value Capitalization Rate Cash-on-Cash Return Net Operating Income Internal Rate of Return Profitability Index Return on Equity Whether you’re just beginning in real estate investing or you’re a seasoned professional, What Every Real Estate Investor Needs to Know About Cash Flow has what you need to make sure you take the smartest approach for your next investment using proven calculations.

    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.

    This guidebook includes the island's history, culture and all of its significant archaeological sites. It also contains all of the practical information needed for your visit, including island activities and up-to-date restaurant and shopping recommendations. It will also tell you the best times to visit the sites in order to get the optimal light for photography and to avoid the crowds, as well as many other 'local' tips that no other guidebook will tell you. Contains over 100 color photos of Easter Island, as well as color maps of both the island and the one town, Hanga Roa. New, Updated edition (2014).

    Changes in the fifth edition include: A new chapter on credit derivatives (Chapter 21). New! Business Snapshots highlight real-world situations and relevant issues. The first six chapters have been -reorganized to better meet the needs of students and .instructors. A new release of the Excel-based software, DerivaGem, is included with each text. A useful Solutions Manual/Study Guide, which includes the worked-out answers to the "Questions and Problems" sections of each chapter, can be purchased separately (ISBN: 0-13-144570-7).

    It offers a clear overview of the fundamentals of environmental economics that will enable students and professionals to quickly grasp important concepts and to apply those concepts to real-world environmental problems. In addition, the book integrates normative, policy, and institutional issues at a principles level. Chapters examine: the benefits and costs of environmental protection, markets and market failure, natural resources as capital assets, and sustainability and economic development. Markets and the Environment is the second volume in the Foundations of Contemporary Environmental Studies Series, edited by James Gustave Speth. The series presents concise guides to essential subjects in the environmental curriculum, incorporating a problem-based approach to teaching and learning.

    ROBB SERIES READING ORDER: MY READING CHECKLIST. THIS IS A COMPREHENSIVE LIST OF ALL BOOKS IN ALL SERIES PUBLISHED BY J.D. ROBB. THIS CHECKLIST IS FREE ON YOUR KINDLE UNLIMITED SUBSCRIPTION. USING THIS CHECKLIST IS AS EASY AS 1-2-3: 1. HIGHLIGHT THE BOOKS YOU HAVE READ • Tap on the name of the book • Press highlight in the popup that appears • This is a great way to keep track of the books you have read, and find the books you still have to read 2. USE KINDLE UNLIMITED FOR LIFETIME FREE UPDATES • Kindle Unlimited lets you keep 10 books at a time on your device • Download this checklist only when you need it • Highlight the books you have read, and return the checklist back into the Cloud • Retrieve this checklist from the Cloud next time you need it again 3. ACTIVATE AUTO UPDATES • Turn on auto updates from your device to be notified when this checklist is updated • When Amazon pushes an update through, you’ll have the opportunity to download the latest version ALWAYS KEEP UP-TO-DATE WITH THE LATEST RELEASES FROM YOUR FAVORITE AUTHORS. THIS CHECKLIST WILL BE UPDATED PROMPTLY WHEN J.D. ROBB RELEASES A NEW BOOK. IT’S THAT SIMPLE. THIS CHECKLIST COVERS THE FOLLOWING SERIES BY J.D. ROBB: • IN DEATH SERIES • IN DEATH STORIES IN ANTHOLOGIES CAN YOU GET THIS INFORMATION FOR FREE? SURE, THIS INFORMATION IS OUT THERE FOR FREE, BUT YOU WILL HAVE TO GO THROUGH THE HASSLE OF SEARCHING WEBSITES AND COLLATING ALL THE VARIOUS BOOKS AND SERIES NAMES, CREATING A WORD/PDF DOCUMENT, DOWNLOADING THE CALIBRE SOFTWARE, FORMATTING AND CONVERTING YOUR DOCUMENT TO .MOBI, AND THEN SIDE-LOADING YOUR KINDLE. SAVE ALL THAT HASSLE BY GETTING THIS LIST — THE MOST TIME AND COST EFFECTIVE WAY TO BE KEPT INFORMED OF THE LATEST RELEASES FROM J.D. ROBB. ARE YOU WORRIED ABOUT COPYRIGHT? DON’T BE. THIS CHECKLIST IS COMPLIANT WITH CIRCULAR 34 FROM THE U.S. COPYRIGHT OFFICE. APART FROM NAMES, TITLES, AND SHORT PHRASES AND EXPRESSIONS, NO COPYRIGHTED MATERIAL IS REPRODUCED.

    No complex terminology. ★FREE eBook Download inside★ Your dad taught you how to play Chess, but he didn’t teach you much. You already know how to checkmate and move the pieces, but let’s face it, your friends and family still beat you more than you’d like. You don't just want to play. You want to win and possibly CONQUER ALL YOUR FRIENDS! You sly dog! I know the feeling and I’m here to help. My name is Maxen R. Tarafa and I’m a Skill Artist. In a few short months, I went from a struggling post-beginner to an adept intermediate player and doubled my Chess ability by teaching myself. In this book, I show you how you can double, even triple, your Chess ability like I did, but faster. But I’m going to tell you right now. My method is rather controversial. You see, most chess “experts” bombard you with complex Chess notation (QxB6?) and expect you to read complex Chess terminology. I don’t do that. I’ll give you a cheat sheet of what you NEED to remember, and you’ll be off to the Chess boards and killing Queens like it’s nobody’s business. In this book, you learn: -How to play your first 10 moves so YOU control the game (Chess Openings) -How to use 3 techniques (or Chess tactics) like bringing light sabers to a knife fight -How to identify one weakness, if you simply recognize it, you can win in one move -How to cut your training time in ½. Know what to study and apply brainhacking techniques. -How to avoid common beginner mistakes with time-tested Chess strategy -Where to find FREE Chess websites, apps, videos, and technology to double your skills -How to use the one principle I taught to Eduardo that took him from losing miserably to unbeatable -How to “bend” the Chess rules with little-known special moves (it’s not cheating!) -And more I taught a 9-year-old these principles and a week later he was beating 17-year-olds. Anyone, even you, can learn how to double your Chess ability by learning a few easy principles. You’ll even learn how to speed your decision-making and play speed chess. If you’re looking for quick and easy Chess instruction to double your skills, but don’t want to learn complex terminology and notation, this book is for you! Don’t let your friend, brother, dad, or roommate beat you again! Join the Casual Chess revolution! Plain-English Chess Instruction for Casual Players, Post-Beginners, and People who Want to Learn Fast! ★Now Available in Paperback! To buy paperback, scroll up and click the Paperback link (by the cover image)★

    Chase instructs readers on where to find coupons, how to use them, where to get the most bang for your buck, and how to start thinking like a couponer every time you make a purchase. Sound too easy? With a little practice, you'll see the savings rolling in while you live your life -- stress-free and thousands of dollars per year richer!

    Many miss the best part of his letter: his principles. It is their loss. Following these principles, Buffett has turned Berkshire Hathaway, a struggling textile manufacturer, into one of the most respected companies in the world. Early investors have become billionaires. This essential guide to Buffett's shareholder letters highlights what the pundits aren t telling you and what you can learn about building long-lasting wealth.Warren Buffett is one of the most successful investors in history. His annual letters to Berkshire Hathaway shareholders have attained legendary status among Wall Street and Main Street investors. Each informative and entertaining letter offers lessons about life, business, and the art of investing that are essential to creating long-lasting wealth. They are based on Buffett's dogged pursuit of the Golden Rule of ownermanager partnership: Treat shareholders the way you would want to be treated if you were in their place.In "Buffett's Bites," L. J. Rittenhouse, CEO candor expert and former Wall Street banker, serves up an in-depth look at Buffett s 2008 shareholder letter, highlighting 25 tantalizing nuggets of wisdom. These "bites" afford an inside look at Buffett's unconventional ways that have created Berkshire Hathaway's unrivaled success.With unflinching honesty and insight, the "Oracle of Omaha" talks candidly about today s turbulent market: what makes a company worth investing in; why you shouldn't panic when experts insist "the sky is falling"; when to re-evaluate your portfolio; and how to invest safely and wisely for the long haul.Each savory bite is enhanced with practical information and a timeless moral that can be applied to your own wealth-building strategies."

    Should the blame fall on Wall Street, Main Street, or Pennsylvania Avenue? On greedy traders, misguided regulators, sleazy subprime companies, cowardly legislators, or clueless home buyers?According to Bethany McLean and Joe Nocera, two of America's most acclaimed business journalists, the real answer is all of the above-and more. Many devils helped bring hell to the economy. And the full story, in all of its complexity and detail, is like the legend of the blind men and the elephant. Almost everyone has missed the big picture. Almost no one has put all the pieces together.All the Devils Are Here goes back several decades to weave the hidden history of the financial crisis in a way no previous book has done. It explores the motivations of everyone from famous CEOs, cabinet secretaries, and politicians to anonymous lenders, borrowers, analysts, and Wall Street traders. It delves into the powerful American mythology of homeownership. And it proves that the crisis ultimately wasn't about finance at all; it was about human nature.Among the devils you'll meet in vivid detail:• Angelo Mozilo, the CEO of Countrywide, who dreamed of spreading homeownership to the masses, only to succumb to the peer pressure-and the outsized profits-of the sleaziest subprime lending.• Roland Arnall, a respected philanthropist and diplomat, who made his fortune building Ameriquest, a subprime lending empire that relied on blatantly deceptive lending practices.• Hank Greenberg, who built AIG into a Rube Goldberg contraption with an undeserved triple-A rating, and who ran it so tightly that he was the only one who knew where all the bodies were buried.• Stan O'Neal of Merrill Lynch, aloof and suspicious, who suffered from "Goldman envy" and drove a proud old firm into the ground by promoting cronies and pushing out his smartest lieutenants.• Lloyd Blankfein, who helped turn Goldman Sachs from a culture that famously put clients first to one that made clients secondary to its own bottom line.• Franklin Raines of Fannie Mae, who (like his predecessors) bullied regulators into submission and let his firm drift away from its original, noble mission.• Brian Clarkson of Moody's, who aggressively pushed to increase his rating agency's market share and stock price, at the cost of its integrity.• Alan Greenspan, the legendary maestro of the Federal Reserve, who ignored the evidence of a growing housing bubble and turned a blind eye to the lending practices that ultimately brought down Wall Street-and inflicted enormous pain on the country.Just as McLean's The Smartest Guys in the Room was hailed as the best Enron book on a crowded shelf, so will All the Devils Are Here be remembered for finally making sense of the meltdown and its consequences.

    Bread, cash, dosh, dough, loot, lucre, moolah, readies, the wherewithal: Call it what you like, it matters. To Christians, love of it is the root of all evil. To generals, it’s the sinews of war. To revolutionaries, it’s the chains of labor. But in The Ascent of Money, Niall Ferguson shows that finance is in fact the foundation of human progress. What’s more, he reveals financial history as the essential backstory behind all history. With the clarity and verve for which he is known, Ferguson elucidates key financial institutions and concepts by showing where they came from. What is money? What do banks do? What’s the difference between a stock and a bond? Why buy insurance or real estate? And what exactly does a hedge fund do? This is history for the present. Ferguson travels to post-Katrina New Orleans to ask why the free market can’t provide adequate protection against catastrophe. He delves into the origins of the subprime mortgage crisis.