Investors traditionally view low-risk stocks as safe but unprofitable, but this old canard is based on a flawed premise; it fails to see beyond the monthly horizon, and ignores compounding returns. This book updates the thinking and brings reality to modelling to show how low-risk stocks actually outperform high-risk stocks by an order of magnitude. Easy to read and easy to implement, the plan presented here will help you construct a portfolio that delivers higher returns per unit of risk, and explains how to achieve excellent investment results over the long term.Do you still believe that investors are rewarded for bearing risk, and that the higher the risk, the greater the reward? That old axiom is holding you back, and it is time to start seeing the whole picture. This book shows you, through deep historical simulation, how to reap the rewards of smarter investing.Learn how and why low-risk, low-volatility stocks beat the market Discover the formula that outperforms Greenblatt's Construct your own low-risk portfolio Select the right ETF or low-risk fund to manage your money Great returns and lower risk sound like a winning combination -- what happens once everyone is doing it? The beauty of the low-risk strategy is that it continues to work even after the paradox is widely known; long-term investment success is possible for anyone who can shake off the entrenched wisdom and go low-risk. High Returns from Low Risk provides the proof, model and strategy to reign in your exposure while raking in the profit.

    In this riveting anthology, a host of celebrated writers explore the complicated role money has played in their lives, whether they’re hiding from creditors or hiding a trust fund. This collection will touch a nerve with anyone who’s ever been afraid to reveal their bank balance.In these wide-ranging personal essays, Daniel Handler, Walter Kirn, Jill McCorkle, Meera Nair, Henry Alford, Susan Choi, and other acclaimed authors write with startling candor about how money has strengthened or undermined their closest relationships. Isabel Rose talks about the trials and tribulations of dating as an heiress. Tony Serra explains what led him to take a forty-year vow of poverty. September 11 widow Marian Fontana illuminates the heartbreak and moral complexities of victim compensation. Jonathan Dee reveals the debt that nearly did him in. And in paired essays, Fred Leebron and his wife Katherine Rhett discuss the way fights over money have shaken their marriage to the core again and again.We talk openly about our romantic disasters and family dramas, our problems at work and our battles with addiction. But when it comes to what is or is not in our wallets, we remain determinedly mum. Until now, that is. Money Changes Everything is the first anthology of its kind—an unflinching and on-the-record collection of essays filled with entertaining and enlightening insights into why we spend, save, and steal.The pieces in Money Changes Everything range from the comic to the harrowing, yet they all reveal the complex, emotionally charged role money plays in our lives by shattering the wall of silence that has long surrounded this topic.

    Kidd shares his journey after graduating with his MBA and landing his dream job at Credit Suisse. But getting the job is just half the battle and after an intensive training period in Zurich and New York he's left to fend for himself - one man and his student loans against a two-year ticking clock to bring in forty million dollars or get fired. How he strives to make those essential connections and eventually bring in far more than forty million....and what happens to those that can't make the cut, proves mind blowing. Because it's all about the schmooze. Infused with hilarious references to the "Wall Street" films, indie rock music, and a devil may care attitude, this is not your father's Wall Street tell-all.

     Chess is one of the world’s most popular board games, and is played by millions of people from all walks of life in parks, homes, online and tournaments. This two-player game is played on a checkered board with 64 squares arranged in an eight by eight grid called a chessboard. The game begins with each player possessing 16 pieces, 8 pawns, two rooks (sometimes called castles), two bishops, two knights, a queen and a king. The different player’s pieces are colored differently and are usually either black or white, though colors may vary. Regardless of the color variation though, each ‘team’ is referred to as either black or white. The objective of the game is to ‘checkmate’ the opponent’s king by placing it in such a position that it cannot escape capture. There are other methods to winning the game, such as when an opponent forfeits or resigns from the match. Forfeitures are normally as a result of the opponent losing too many pieces, or if a checkmate is seen as inevitable. There are also circumstances where the game ends in a draw for various reasons, meaning that neither player wins. The first official world chess championship was held in 1886 between Wilhelm Steinitz and Johannes Zukerfort. The victor and thus the first official World Champion was Wilhelm Seinitz. Since the creation of the World Chess Federation in Paris in 1924, the best chess players in the world have been awarded the title of Grandmaster, which is the highest accolade a chess player can get apart from world champion. The latter half of the 20th century saw computers being programmed to play chess, with many home computers now being able to play with such a high level of sophistication that they can outwit some of the best human players. The first computer to ever beat a reigning world champion was the computer Deep Blue, which beat Garry Kasparov in a match in 1997. What You're Going to Learn: Origins and History of Chess Rules and Notations Movements in the Game The Pieces, Their Movements and Values Chess Strategy and Tactics Tips for Beginners What Not to Do More Tactics ...And Much More! Ready to Play Like a Pro ? * * * DOWNLOAD YOUR COPY TODAY * * *

    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.

    When the three of them are asked to perform at the Bear Creek Rodeo, they jump at the chance, knowing it’s the biggest concert of their careers. They go to the rodeo, planning for nothing but the furtherance of their careers. Chris Jackson—a former professional bull-rider—takes one look at Emily and knows she’s the woman he’s been waiting for his entire life. It’s obvious she is feeling the same for him, and he spends as much time with her as he can until the end of the rodeo, making plans to spend more time with her after. His biggest concern is whether she’ll be able to make a decision to spend her life with him, without giving up her dreams. Will Emily make the decision he so desperately wants? Or will she shy away from a real commitment?

    In it, you'll discover exactly how you can use your life insurance to benefit you while you are alive—and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don't realize what a powerful tool they have in their life insurance policies—this book will be your guide.Life insurance is one of the oldest financial products around, and yet it is one of the most misunderstood. People debate its efficacy from every angle, but rarely is it championed. That is, until recently. Now, in this landmark book, you'll discover:• The invaluable CLUE concept• How to leverage opportunity and investment capability• How one dollar can do many jobs• How to use your death benefit while you are alive• Why you should set up a family bank• And much more."Live Your Life Insurance" is a book about life and living—using and benefiting from your life insurance while you are alive to enjoy it. And, in today's economy, it is more important than ever to understand and utilize all the financial tools we have at our disposal.

     In this book you’ll find: • 9 steps to build a portfolio that will survive the Perfect Financial Storm, so you can stop worrying about the economy, the latest financial catastrophe, or what the market did today • 2 questions you must answer before you invest another dime • Why investing after you retire is radically different from investing while you’re still working • The life expectancy of 6 key types of investments—and what you can do to make them last as long as you do • The 10 essential questions you must ask a financial advisor—before you hire one • The exact amount of money you can withdraw without worry or guilt, knowing you’ve applied the best available research to ensure you’ll never run out of money “Thurman takes a subject that is often misunderstood, and provides you the reasons, the methods, and an understanding of what you can expect to achieve, so you can invest with confidence.” –Jimmy J. Williams, CFP®, CPA/PFS CEO/President of Compass Capital Management, LLC “A must for anyone thinking of retiring or recently retired!” –Stan Toler, bestselling author of The Secret Blend

    levels a small town in Kansas and rips apart the commercial airliner flying overhead. The wife and child of Oliver Wells are among the thousands reported dead. Authorities blame the tragedy on an accident at a fertilizer plant not up to code. A year later, still grappling with his depression, Oliver is accosted by a mysterious stranger who offers another answer: A FARMER CAUSED THE EXPLOSION. AN EXPLOSION BORN OF THOUGHT. A THOUGHT SO PERFECT AND DIVINE IT'S SAID TO MIRROR WHAT GOD THOUGHT TO CONCEIVE THE UNIVERSE. Thrust into a hidden world of conspirators and luminaries who would do anything to attain the farmer's knowledge, Oliver finds himself in a race to confront the man who killed his family. To do so, he must test the limits of his sanity... AND UNLOCK THE POWER OF THE GOD THOUGHT FOR HIMSELF."

    It’s not meant to be. It’s one of the biggest financial decisions you’ll make in your life. But it is worth it . . . it’s hard, there will be shit bits, but it’s not impossible.At thirty, journalist Nicole Haddow had unstable income, no financial plan and only credit-card debt to her name. But less than two years’ later she was a home-owner.In Smashed Avocado, Nicole explains the steps she took to purchase her own home, alongside detailed case studies of other people who have found ways to enter the property market. She shares practical tips from financial planners, mortgage brokers, buyers’ agents, real-estate agents and other property experts, and the acquired wisdom of a new generation of homeowners – down to the micro-details. She even thrashes it out with Bernard Salt, the man who said young people should stop splashing out on expensive brunches if they want to own their own home. Buying property remains a worthwhile investment, and young people are inventing innovative ways of achieving it, including rentvesting, flipping, Airbnb, tiny homes, buying regionally and more.Nicole’s story is inspiring and optimistic – but, most importantly, it’s realistic. The home ownership dream might look different today, but it’s still possible to make it a reality.

    We spend endless hours obsessing over our budgets and investments, trying to figure out ways to stretch every dollar. We try to follow the advice of money gurus and financial planners, then kick ourselves whenever we spend too much or save too little. For all of the stress and effort we put into every choice, why are most of us unhappy about our finances?According to Laura Vanderkam, the key is to change your perspective. Instead of looking at money as a scarce resource, consider it a tool that you can use creatively to build a better life for yourself and the people you care about. For instance, the average couple spends $5,000 on engagement and wedding rings, making these pricey purchases largely because everyone else does. But what if you decided to spend $300 on rings and apply the rest to future date nights, weekend getaways, and thinking-of-you bouquets over the next ten years? In he long run, what would bring more joy to your marriage? Likewise, will owning a home with a pristine lawn and a two-car garage—the American Dream—really make you more satisfied? Or are you saving up for this investment just because financial planners tell you it’s worth it?Vanderkam shows how each of us can figure out better ways to use what we have to build the lives we want. Drawing on the latest happiness research as well as the stories of dozens of real people, Vanderkam offers a contrarian approach that forces us to examine our own beliefs, goals, and values.Among her advice:Laugh at the Joneses: It’s human nature to compare yourself to those around you, but you can create lifestyle hat rings you personal satisfaction without copying your neighbors.Give yourself the best weekend ever: Studies show that experiences often bring more pleasure than material goods. With a little planning and creativity, you can give yourself a memorable getaway without leaving town or going broke.Embrace the selfish joy of giving: Giving back not only helps you build karma, it also helps you build a community—which is much more fulfilling than a tax deduction. All the Money in the World is a practical and inspiring guide that shows how money can buy happiness—if we spend it wisely.

    This book discuses various major types of financial institutions and financial instruments present along with how and why the system of money and capital markets is changing. It also provides a descriptive explanation of how interest rates and security values are determined.

    There is nothing wrong with that desire. But you must have known the secrets of avoiding losses. Share Market is a field that has of late developed overwhelmingly. Millions of people invest in it with enthusiasm and are interested in knowing details about this grey area. Sadly, not everyone who invests in it earn profits. Some people who constantly learn end up earning, but those who do not know anything about it and put their trust on luck lose miserably. This book shows the way to avoid losses and increase gains in share market. This comprehensive book touches upon every aspect of stock market investment. A fantastic starting point for anyone aspiring to enter into the unknown world of share market. Even for investors who are already in the market, this book can serve a guide. People say, you either earn or learn in share market. This book preaches the secrets of learning and earning at the same time. This work takes you through an introduction about shares, functioning of share markets, relevance of stock market indices and different approaches for primary & secondary market investments. In also talks about the real qualities of an investor and how he differs from a speculator in the marketplace. Relationship between inflation & investments and the need for achieving inflation adjusted returns are stressed upon. Various stock selection processes, approaches to adapt for different market conditions and more more importantly the art of avoiding losses are discussed in details. You will learn how to analyse a company, its shares, market dynamics, how to value a business, what price to pay for a company etc. All important parameters, numbers and ratios are explained with interesting real time illustrations. Difference between value investing and growth oriented stock selection process is analysed thoroughly, Likewise, fundamental analysis and technical analysis are compared in a rational way. On top of these, this books describe the qualities that differentiate successful investors from ordinary ones. Those qualities are analysed in detail. More importantly, the book stresses the importance of identifying bad companies and unethical management, and teaches how to stay away from them.

    Investing in funds is a hands-off way to build wealth over time. Avoid the stress of picking your own stocks. Let the fund managers do all the work so you can get on with more important things in life! Why invest in funds? 1. Choosing funds is easier than choosing stocks. 2. You can employ the stock picking talents of the best professional fund managers. 3. Funds hold lots of different stocks to diversify your investments. 4. Unlike with stocks, some online investment platforms won’t charge you a fee to buy or sell fund units. 5. You can buy or sell fund units on any working day of the week. 6. You can invest in funds with as little as £100 through most online investment platforms. 7. Through funds, you can own stocks that you wouldn’t normally be able to buy directly. For example, you could own a fund made up of Chinese stocks that are not directly for sale to UK citizens. This concise book covers everything you need to know to get started on the journey to financial freedom. From fundamentals, like the power of compounded investment returns, to more advanced investment techniques like Value Cost Averaging. You’ll learn how to find the right funds for your investment portfolio. The ten simple rules for effectively investing in funds will then show you how to manage your portfolio in an effective and automated way. Take control of your financial future by investing rather than saving your hard-earned money. Stop Saving Start Investing shows you how to simplify your investing without compromising on your investment returns.

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.