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

    In 1-2-3 Magic Teen, internationally renowned parenting expert Thomas W. Phelan explains how to better understand your teenager, which problems are not worth fighting over, and why your child's behavior likely matches the definition of a normal adolescent. With helpful, straightforward advice backed up by research and parent-tested strategies, 1-2-3 Magic Teen will help you establish a calmer, more respectful home and family life and show you how to guide your teenager into healthy, functional young adulthood. In this book, you'll find tools and advice tailored for the challenges of a teen lifestyle, including: Forgetting to do chores Absence in family outings Drop in grades Missed curfews Parties and drinking Work responsibilities

    With a gorgeous, successful husband who whisks her away on romantic trips, a beautiful home in one of the country's richest zip codes, and two wonderful daughters, life couldn't be better. However, she'll soon discover that an enviable marriage comes at a deadly cost. Who is Faith, and why are dozens of emails between her and Alicia's husband hidden in his draft folder? Why were the messages never sent? As Alicia embarks on a desperate quest to uncover Faith's identity, a shocking death hits close to home and sends her reeling. Was it a tragic accident or cold-blooded murder? In this beautiful town of wealth and privilege, nothing is as it seems, and everyone has something to hide. As Alicia struggles under the weight of dark secrets from her own past, someone knows more than they're saying--someone who knows the truth will come at a devastating price. Emotionally gripping and expertly plotted, this heart-pounding, compulsive read is the perfect domestic thriller for fans of The Wife Between Us, The Husband's Secret and The Couple Next Door.

    Strange things are happening on the empty streets of Rockwell, Idaho. People are disappearing, and there are shadows in places where there is nothing to create them. In this upside down world where unnatural creatures walk the earth, Johnny is left with difficult choices about who to trust and how to survive.This breakthrough novel will completely revolutionize the horror genre. Just kidding. It's really more of a vampire love triangle.

    A wave of sinkholes appears on the anniversary of a rural tragedy, and local residents begin to hear the voices of the dead. A woman encounters a predator from her youth—and a chance to turn the tables. A child’s inner beast takes on a sinister life of its own. An undetectable serial killer raises tensions on a college campus. Experimental physics reveals another world, and it might mean the end of ours. Shrouded in darkness, lurking in the shadows, NIGHT TERRORS III awaits you. The third installment of the chilling Night Terrors anthology series includes stories from Jack Ketchum, Steve Rasnic Tem, Dennis Etchison, Taylor Grant, Eric J. Guignard, Aric Sundquist, Jennifer Brozek, John McNee, Simon McCaffery, Patty Templeton, and many more!

    Twice divorced, with a bit of a drinking problem, he’s now dating Rory Roughton, a fiery sixth-generation Texan who’s as rich as she is beautiful—and hell-bent on keeping Steel on the straight and narrow. But then his best friend, Wes Stoddard, is nearly shot down flying in a load of pot, Rory is kidnapped by a Russian mercenary working for the most dangerous cartel in Mexico, and the Cuban Mafia decides they’d like the former DEA agent—dead. Steel is forced to take unsanctioned, unconventional—and mostly illegal—action in order to save himself and those closest to him . . .

    Rogue & Kat Savage.

    Are things as they appear, or could there be help that even the resurrected can’t see?

    First there were the rats in the pantry, then the floods, then the fires, then the visiting cougar. Life in Bull Canyon was daunting and dangerous. Often Lin wondered just what in the world they were doing so far from their customary home on the open seas. Bull Canyon joins the canon of great tales of homesteading, told in the warm, funny, and insightful voice of a true storyteller.

    But now, after forging cattle trails and fighting off the Comanche, he’s setting his sights on a brighter future. With the help of his older brother Blue, a Civil War veteran who lost his arm in battle, Deed turns the Rafter C homestead into a successful, working cattle ranch. But when a land-grubbing banker tries to wipe out the competition—slaughtering ranchers, robbing farmers, and building an army of hired killers—Deed and Blue have no choice but to fight back with everything they’ve got. That means bringing in the big guns. Settling old scores. And taking a chance on a dangerous outlaw named Holt Corrigan—their long-lost brother…

    So great was his stature as an Urdu poet that he never had to mould his poetry to suit the demands of film songwriting; instead, producers and composers adapted their requirements to his poetry. His songs in films like Pyaasa, Naya Daur and Phir Subah Hogi have attained the status of classics. This exhaustive biography traces the poet’s rich life, from his troubled childhood and his equally troubled love relationships, to his rise as one of the pre-eminent personalities of the Progressive Writers Movement and his journey as lyricist through the golden era of Hindi film music, the 1950s and 1960s.

    In Ostenheim, a city obsessed with duelling, it is one that nobody forgets. Bryn’s earliest memory is of watching duels in the arena. His earliest dream is of taking his place there. Amero has no dreams. His life has been about fulfilling the expectations of others. In search of a path of his own, the dreams of others are too tempting to resist. After years of sacrifice and hard work, Bryn is finally a professional duellist. Becoming the First Blade of Ostia no longer seems the childish fantasy it once did. To find the man standing in his way is also his best friend will test him in ways he would never have believed. The First Blade of Ostia is a stand alone novel set in the Middle Sea World of the Society of the Sword Trilogy.

    Her father is too busy chasing skirts and throwing fits to notice what she does. And her mom is too mentally absent to properly parent. While Diana’s narcissistic dad terrorizes and exploits her, she works harder to please him. Estill, an award-winning humor author, shares an honest and comedic look at her dysfunctional childhood. As an adult, she struggles to reclaim her power while caring for her dementia-impaired dad. In this thought-provoking tale of resilience, the author pierces the fog of emotional abuse.

    However, following this way of eating doesn't mean sacrificing flavor or spending a long time in the kitchen. In The Paleo Chef, Pete Evans, one of Australia's leading chefs and food personalities, shows readers how to prepare gorgeous food that is satisfying, flavor-forward, and good for you. A graduate of New York's Institute of Integrative Nutrition and an enthusiastic supporter of the Paleo movement, Pete's mission is to revolutionize the way we eat and live. The Paleo Chef is his breakout book, a visually rich collection of more than 100 of his most inspired, no-sacrifice recipes for every meal of the day, from Sprouted Seed Bread to Chia Seed Pudding, Grilled Asparagus with Roasted Bone Marrow to Chocolate Beet Cake, and more.

    Ironically, recovering from her emotional and physical scars is not her biggest challenge. She is also haunted by Azrael, the angel of death. On the morning of the accident, Alex watches as Azrael takes the souls of her family. And the visions keep coming. A man with oily black hair in a pinstripe suit appears to Alex in the hospital, outside her high school, and in the woods near her campsite. She worries that she’s crazy, though Azrael appears to be just as threatened by her ability to see him. She confides in her doctor and friends and, while they appear to believe her, they are unable to help Alex banish death. Midway through the book, the narrative takes an unexpected twist and Alex’s recovery is overshadowed by the realization that she could bring her family back to life. But Azrael is determined to stop Alex’s meddling and she must enlist the help of her remaining family and friends if there is any hope for success.The Girl Who Cheated Death placed as a Semi-Finalist in the 2018 Faulkner Wisdom Competition