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.

     John Grisham has been writing dozens of novels in various series and genres for over 15 years. As a fan, it can be difficult to keep up! The Reader's Friend reference list for John Grisham is a complete list of every John Grisham title, and is designed for maximum convenience and functionality. Keeping track of your Grisham addiction had never been easier! All of the info you need, and none of the clutter you don't. We're readers just like you, and we know you don't need a lot of junk in your reference list. Our John Grisham list is designed to be clean and optimally usable: The info you need, right there where you need it. No flipping back and forth in the table of contents, no scrolling through filler. AND IT'S SO SIMPLE TO USE: Check off the books you've read with a single tap! — Just use your Kindle's built-in highlighter. Instructions are included! Get free updates regardless of how you purchased the list — We update immediately every time a new John Grisham title is released, so you'll never be out of the loop! Browse titles CHRONOLOGICALLY, BY SERIES, or BY GENRE — Whichever is most convenient for you! For a preview, just click the book cover to the left and "LOOK INSIDE!" EVERY JOHN GRISHAM TITLE IS INCLUDED: Jake Brigance (A Time to Kill) series Theodore Boone series All stand-alone mysteries and thrillers All stand-alone general fiction All short stories All non-fiction We've even included a bonus list of John Grisham's many adaptations, so that you can watch the TV series or movie when you finish a book! PLEASE NOTE: THIS IS A TITLE LIST ONLY, compiled for reference purposes to assist readers. No copyrighted material from the titles listed is included. This list is compliant with United States Copyright Office circular 34.

    This book is designed to give you a cultural immersion into Cuban life, and to provide you the tools and background information to truly make the most of your visit. It gives you the confidence and knowledge to break away from the tourist areas and experience the real Cuba. You want to explore the rich culture. Be transported back to a simpler time. Experience Havana’s romance and the beauty with the same carefree joy as the locals. See everything you want to see and go everywhere you want to go. The Real Havana guide shows you how to do all that and lots more. In the guide, you will learn about: ● Authentic Cuban cuisine and affordable Havana restaurants. ● Low-priced markets, shops and entertainment options. ● Maps of Havana and the suburbs – Get out of the city and EXPLORE! ● Instructions on using communal taxis particulares and all the major routes. ● Contact info and reviews of over 30 casa particular apartments in Vedado. ● Fascinating, offbeat places which are hidden from foreigners. ● Hundreds of tips on saving money while in Havana. ● How to avoid the most common tourist scams. This book is not a tourist guide. It’s not a list of restaurant reviews and attractions, like all the other guides. With this book, you will learn about the authentic, local places. Locations which are hidden to regular tourists. Naturally, these places are also very inexpensive. So, in effect, you will not only be immersed in authentic Cuban life, but you will also save money. BONUS: The last section of this book includes the Cheap Casa Particular Guide. You will find listings and reviews of over 30 apartments and rooms to rent in the Vedado neighborhood of Havana. These casas particulares have been hand selected out of the thousands available in Havana. They are not only the most affordable, but they are also among the cleanest, best maintained, and best located. The hosts are extremely hospitable and most speak multiple languages. The best part is that you get the full contact information for the casas, so you can call or email the hosts directly and book your stay without having to deal with expensive brokers or middlemen. By booking your reservation directly with the landlords, you are certain to save at least $5 to 10$ per night in brokerage fees. That alone is easily worth the purchase price of Real Havana guide. About Full Compass Guides Full Compass Guides are aimed at travelers who want to understand local customs and culture so that they can experience destinations like a local. Unlike regular tourist guides, Full Compass guides are not a list of attractions popular with tourists, and boring restaurant and hotel reviews that are obsolete the moment they are published. With our guides, you get succinct, useful information about the culture, people and geography of your destination so you have the tools and the confidence to explore on your own, experience everything that your destination has to offer, and save money. Our guides are written by experienced travelers who have intimate knowledge of both the location and the culture of the destination. They give you the exact information you need in order to make the most of your travel time.

    But company values stay relatively steady. This insight is the basis of value investing, the capital management strategy that performs best over the long term. With Good Stocks Cheap, you can get started in value investing right now. Longtime outperforming value investor, professor, and international speaker Kenneth Jeffrey Marshall provides step-by-step guidance for creating your own value investing success story. You’ll learn how to: •Master any company with fundamental analysis•Distinguish between a company’s stock price from its worth•Measure your own investment performance honestly•Identify the right price at which to buy stock in a winning company•Hold quality stocks fearlessly during market swings•Secure the fortitude necessary to make the right choices and take the right actions Marshall leaves no stone unturned. He covers all the fundamental terms, concepts, and skills that make value investing so effective. He does so in a way that’s modern and engaging, making the strategy accessible to any motivated person regardless of education, experience, or profession. His plain explanations and simple examples welcome both investing newcomers and veterans. Good Stocks Cheap is your way forward because the Value Investing Model turns market gyrations into opportunities. It works in bubbles by showing which companies are likely to excel over time, and in downturns by revealing which of these leading businesses are the most underpriced. Build a powerful portfolio poised to deliver outstanding outcomes over a lifetime. Put the strength of value investing to work for you with Good Stocks Cheap.

    This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    Just as grown-ups do not believe in the Tooth Fairy, the Easter Bunny, or Santa Claus, “Investing adults” know that there is no such creature as the Stock-picking Fairy or the Market-timing Fairy. Further, there is no Risk Fairy who will write you cheap options that will protect your stock holdings against loss. Investing adults are familiar with Gene Fama, Zvi Bodie, Jack Bogle, and Burton Malkiel, and understand that a mean variance optimizer does not blend vegetables. In other words, this series is not for beginners. Future topics will, with luck, include the limits of market efficiency and diversification in increasingly non-segmented global markets.

    It has been written for both beginning and experienced investors and the results have been proven by tens of thousands of Australians who have used the strategies laid out in earlier editions to grow their own Multi-Million-Dollar Property Portfolios. In this fully updated edition learn...* Michael's 5 Stranded Strategic Approach to investment that has stood the test of time and changing markets. * How to achieve real wealth through property investment* the hidden profit potential most investors miss when buying properties* How to buy below market value and then add value for instant profit.* Michael's pyramiding system to buy more properties with no money out of your own pocket* Lessons from past property cycles that will ensure you reap the benefits of the new property cycle* How to get the banks to say "yes" to more of your deals* Advanced strategies such as tax "loopholes" available to property investors, power negotiating tricks and becoming a master at dealing with real estate agents.* How to achieve the life of a property multi-millionaire living off the increasing equity of your properties.ABOUT THE AUTHOR:Michael is one of Australia's leading experts in wealth creation through property.He was once again voted Australia's leading property educator and mentor and has been voted Australia's leading property investment adviser, is one of Australia's most published property authors and has probably educated more successful property investors than anyone else in Australia. But he is not a theorist...Michael is a successful property investor and property developer and, as a director of Metropole Property Strategists, his opinions as a property commentator are highly sought after and frequently quoted in the media.In this edition of this best selling book Michael helps you discover how the rich build their property portfolios to maximize their revenue, safeguard their assets and keep more money in their bank account.Put simply...you'll be shown How to Grow a Multi-Million Dollar Property Portfolio - in your spare time.

    Using real-world examples and simple language, it lucidly illustrates what derivatives are and why they are so powerful. This second edition of "All About Derivatives" provides a rock-solid foundation on: The most common contracts available to you in today's marketKey concepts such as cost of carry, settlement, valuation, and payoffProven methods for establishing fair valueHow leverage can work for you--and against youThe various derivative contracts traded today, including forwards, futures, swaps, and optionsPricing methods and mathematics for determining fair valueHedging strategies for managing and reducing different types of riskINCLUDES A BRAND-NEW CHAPTER ON THE ROLEDERIVATIVES PLAYED IN THE 2008 FINANCIAL MELTDOWN

    Everything you wanted to know about Stock Market Investing effectively dispels that notion. Using simple language, devoid of scary 'financial jargon', it covers all aspects of stock market investing and issues that are tangential too. From financial planning and the impact of inflation on investments, from equity investing strategies like top-down and bottom-up investing etc. to risk mitigation measures like value averaging, using market volatility, this book makes your knowledge on investing in stocks holistic. Everything you wanted to know about Stock Market Investing also goes beyond just explaining how markets work. With practical tips and illustrations, axioms, action points and test questions it prepares you for your practical journey into the world of stocks. The book not only helps the investor comprehend the nuances of equity investing for wealth buildup, it also helps the investor understand macroeconomic aspects and their impact on businesses, how to respond in times of panic, how to avoid being the victim of stock market scams and finally, how to compute equity investment returns before and after tax. It manages to transform the seemingly formidable task of stock investing into an enjoyable and rewarding exercise that leaves you wanting to know more and do more. It is most definitely the first step for the uninitiated and an actual trigger point for those who have been watching from the wings.

    Be sure to look inside the book to get a free sample of this quality product!

    Understand the essentials of stock investing, how to get started, and how to pick winners.

    He reveals how they make it work – from how to downsize to how to support yourself. This is not your typical RVing book that rehashes common knowledge. Jerry Minchey lives full-time in his motorhome, and he breaks the mold about RV living with this highly original book. The appeal and the dream of the RV lifestyle have not changed much since the first RVs were introduced shortly after 1900. Henry Ford and Thomas Edison used to take their motorhomes and go on trips together back in 1910. They loved the adventure. Jerry Minchey's brutally honest descriptions of the RV lifestyles described in this book will answer your most pressing questions as well as answer questions you probably never even thought to ask.You may find that retiring and living the RV lifestyle is just what you want to do. After all, the RV lifestyle is the most enjoyable and least expensive way to retire. See actual logs of what RVers are really spending. I think you'll be pleasantly surprised at the numbers. You'll find that you can live the RV lifestyle even if your only income is your Social Security check. In this book you'll also learn: What's It Like Living Full Time in an RV? Can I Afford the RV Lifestyle? What Kind of Rig Should I get? Can I Drive an RV? How Much Will an RV Cost? Pitfalls to Avoid & Buyer Checklist Planning for the Leap into Full-time RVing How to Get Rid of Your Stuff Pets Make Great Travelers – If You Know a Few Tips and Secrets What About Being Away From Family and Friends? How to Find the Best Campgrounds Boondocking – The Art of Camping for Free Towing a Car – 4 Wheels Down or a Dolly? Getting Your Mail, Voting, Where is Your Legal Residence, and Other Logistics The Internet – How to Stay Connected While on the Road Healthcare on the Road – With up-to-date 2016 Information Ways to Make Money With or Without a Computer The Emotional Aspects of the Full-time RV Lifestyle And a Whole Lot More Freedom, adventure, fun, stress-free, and relaxing are words RV owners frequently use to describe why they enjoy the RV lifestyle, and after reading this book, you'll understand why they feel that way. To say this book is rare would be a grave understatement. This book provides a unique opportunity to peer into the most intimate details of living the exciting full-time RVing lifestyle. For a real behind-the-scenes look at one of the most enjoyable and least expensive ways to retire add Motorhome and RV Retirement Living to your must-read list.

    

    With the new tablet, I absolutely love its many standard features and capabilities, but have found there is so much more that can be done with this amazing gadget. I’ve learned a lot of great things you can do with a Kindle Fire HD and want to help others get more out of their Kindle Fire HDX and HD devices. I've developed a comprehensive guide book to help users along on their device, including tips and tricks to really unlock and unleash the possibilities with the tablet. Here’s just some of the great info you’ll find in this User’s Guide Book: - Getting to know the various settings of your Kindle Fire HDX or HD - Browsing your Kindle and carousel - How to store your favorite content items on the device - Setting up security options to safeguard your device - Setting up your e-mail, contacts and calendar info - Setting up and using wireless networks - How to print from your Kindle Fire HD - How to install the Dolphin Browser with Adobe Flash - How to install the Google Chrome browser on your tablet - Pairing your Kindle Fire HD with a compatible Bluetooth phone or computer - How to set-up FreeTime for your kids to use your Kindle with restrictions - How to listen to the radio on your tablet - How to use your tablet to make phone calls for free! - How to download YouTube videos to your Kindle Fire HD - How to take photos and videos with your Kindle Fire HD camera - How to sideload apps on your Kindle Fire HD - Some of the best apps you can get for your tablet - Suggested apps to take your tablet to the next level! You’ll learn all of the above and more in this book which features color screenshots straight from the Kindle and step-by-step instructions on the processes involved in unleashing more powerful features for your Kindle Fire HD! There's also helpful links throughout the guide to take you right to the apps and websites being discussed. In all, this is a must-have ebook to get for any Kindle Fire HD user who wants to take their device to the next level! Note: Many of the tips and how-to's covered in this guide will also apply to the previous generation of the Kindle Fire HD, released in 2012. Please note this book is for owners of the American version of the Kindle Fire HDX & Kindle Fire HD tablets sold as of October 2013 in the United States.

    You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.