Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book:IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.

    Read it to unlock the secrets to success and failure, based on Tom Corley’s five years’ study of the daily activities of 233 rich people and 128 poor people as the authors expose the immense difference between the habits of the rich and the poor. Learn the proven strategies of Michael Yardney, Australia’s leading authority on the psychology of success and wealth creation and American co-author, Tom Corley, who’s internationally acclaimed research on the daily habits of the rich and poor has changed the lives of hundreds of thousands of ordinary people around the world. This book has been written for people who… • Are living from month to month but want to get out of the rat race and become rich • Are financially comfortable, but aspire for more • Want to create lifetime wealth • Want to teach their children how to become rich and leave a legacy What others are saying about rich habits poor habits: "The easiest way to be good at something is to learn from the world's best. Rich Habits, Poor Habits does all the work to teach you how successful people get rich and stay rich. Highly recommended!" -Dave Asprey, Entrepreneur, CEO of Bulletproof Coffee and author of The Bulletproof Diet ABOUT THE AUTHORS Michael Yardney: While Michael Yardney is best known as a property expert, he is also Australia’s leading experts in the psychology of success and wealth creation. He challenges traditional finance advice with innovative ideas in his new book: Rich Habits Poor Habits. Michael’s wisdom stems from his personal experience and from mentoring over 2,000 business people, investors and entrepreneurs over the last decade. His opinions are frequently quoted in the media and Michael was once again voted Australia’s best property investment educator and mentor. Over the years he has probably educated more successful property investors than anyone else in Australia. In his latest book Rich Habits Poor Habits, together with co-author Tom Corley, Michael helps you discover how the Rich Habits that make rich people rich and the Poor Habits that you need to avoid. Tom Corley: Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night, due to a catastrophic fire that destroyed his Dad's thriving business. For fourteen years they struggled with poverty. There were eleven in Tom's family, and they lived in constant fear of losing their home. Driven by the desire to unlock the secrets to success and failure, Tom spent five years studying the daily activities of 233 rich people and 128 poor people. He discovered there was an immense difference between the habits of the rich and the poor. During his research he identified over 300 daily activities that separated the “haves” from the “have nots.” Tom now travels the world, sharing his Rich Habits and motivating audiences at industry conferences, corporate events, universities, multi-level marketing group events, and global sales organizations’ presentations and finance conferences. He has even spoken on the same stage with famous entrepreneurs and personal development experts, such as Sir Richard Branson, Robin Sharma, Dr. Daniel Amen, and many others.

    Two village belles. A promise. A charade. And falling in love... Vikram and Vishal are the heirs to the well-known Saaho Group fortune. London bred and educated, the handsome brothers are accustomed to a jet-setting lifestyle while they win cutthroat business deals, date beautiful women and spend time with their doting family. But what are Vikram and Vishal doing in a small village in India? Why are they putting on a pretence by working as an accountant and a driver for the modest Gulati family? When the sweet, kindhearted older Gulati sister begins to melt Vikram’s ruthless heart, and the bold, feisty younger one steals away Vishal’s peace of mind, will the Saaho brothers continue with their charade? THE PROMISE is a sweet and passionate standalone romance.

    She needs a paycheck. But neither expect the heat in their marriage of convenience.No one backs CEO Jack Sutton into a corner, not even his mother... or her will. If he wants his inheritance, he needs to be married, but no one said the marriage had to be anything other than a business arrangement. There are plenty of willing women, and they'll play by the rules: stick to the script and don't fall in love. He only has to find one in time. Too bad he only left himself a few hours.Kelly Bradley made it into the law school of her dreams, but she has no way to pay and the tuition deadline is fast approaching. Marrying a billionaire might be a bit drastic, but spending one year on his arm will make all her problems go away... if she can keep her heart in check. That's never been a problem in the past.It's a business arrangement, but when one thing leads to another will Jack be able to let Kelly go? Or can he find a way to renegotiate the deal of his life?Reuniting with the Billionaire:Two people whose past ensures they can never fully trust again.Jill can play with Andrew Weston. She can have fun with him. She can even have a wild, no-strings-attached rebound fling with him. But she can’t lose my heart to him. Because if they fall in love and that love died the way her ex-husband’s love for her died, she wouldn’t be able to handle it. She can’t go through that again. Not with the sexy billionaire from her past who tempts her at every turn.********He’s falling for Jill Walsh. He knows it’s happening but can’t stop it. But no matter what happens, he can’t let her know how he feels. Sharing feelings makes you vulnerable and he can’t let himself be vulnerable to a woman like that again. So he’ll keep his feelings a secret while he uses his vast fortune to make sure she marries him and never walks away.5-star billionaire romance that will have you turning pages to the very end!Reuniting with the Billionaire was originally published in a shorter version as part of the Sutton Capital Series. It’s a stand-alone book that can be read in any order in the series.The Billionaire Op:Can she ever get over her broken heart?Jennie Evans has known true love, and it died with her husband. But she's found balance in her life: friends and a job she loves at Sutton Capital. And there might be a man that caught her eye, but she'll never give him her heart.Chad Thompson sees what others don't: Jennie's hurting inside and hiding it from the world. Their chemistry may be off the charts, but he vows not to push. Even if true happiness might be within reach.When their meddling friends throw Jennie and Chad together in a plot designed to push them out of their comfort zones, she ends up in more danger than anyone could have imagined. To keep her safe, Chad will have to risk his body and his heart, and no matter how things end, one of them is going to get hurt.The Billionaire Op is a standalone book in the Sutton Billionaires Series. A shorter version of it was previously published as part of the Sutton Capital Series.

    It’s never going to happen! I am William Carson, a billionaire, and billionaires like me don’t need therapists. Talking to a therapist is simply not in the billionaire code! I would never concede to needing anyone, especially Kathleen Warren, the sexy, naive counselor assigned to me. She is too young. What does she know about real life? *** Kathleen Warren is fresh out of college and recently licensed as a counselor. She accepts William Carson as a patient against her better judgment – he’s too damn sexy, thinks the world revolves around him, and talks dirty. And he’s got way too much baggage – an ex-wife, a new fiancée, and a teenage son. The first time he steps into her office, Kathleen knows she should have sent him away. But she didn’t because she plans to maintain the boundary lines between her and her patient. After all, she knows all about boundaries – her entire graduate thesis is based on boundary points. Going beyond professional boundary points is disastrous and can lead to the loss of her counselor’s license, something she worked too hard to obtain. She wouldn’t allow William Carson to affect her to the point of losing her livelihood, even if he is charming, stubborn, sexy, and a freaking billionaire! *** But Bill has no respect for set boundaries! In his world, he gets everything he wants and he wants young Katie – boundaries or not! For a limited time, HEAL ME contains a free billionaire bad boy romance novel

    But when her old flame shows up at her high school, sparks fly—in more ways than one. . .

    Iron-clad cell phone contracts you can’t get out of with a crowbar. Paying big bucks for insurance you don’t need on a rental car or forking over $20 a day for supposedly “free” wireless internet. Every day we use banks, cell phones, and credit cards. Every day we book hotels and airline tickets. And every day we get ripped off.How? Here are just a few examples of how big business can get you:• You didn’t fill up the rental car with gas?Gotcha! Gas costs $7 a gallon here.• Your bank balance fell to $999.99 for one day?Gotcha! That’ll be $12. • You miss one payment on that 18-month same-as-cash loan?Gotcha! That’ll be $512 extra.• You’re one day late on that electric bill?Gotcha! All your credit cards now have a 29.99% interest rate.But not for much longer. In Gotcha Capitalism, MSNBC.com’s “Red Tape Chronicles” columnist Bob Sullivan exposes the ways we’re all cheated by big business, and teaches us how to get our money back–proven strategies that can help you save more than $1,000 a year.

    Plus, you′ll find tips onHow to turn your mortgage into a wealth-enhancing toolWhy small investments work better than big onesHow to max out on your employer-sponsored retirement planWhen to hold investments and when to fold themWhen to pay attention to financial news and when to turn it offLet your neighbours lend you a hand. And let Ric Edelman guide you through their lessons in this eye-opening journey with thousands of ordinary folks who found their way to extraordinary wealth.

    "This book will change the outlook of those who read it." - Murali Vijay, Indian Cricketer "This book changed the way I looked at vacation planning and...I only wish that I had access to it at the start of my career." - Muthu Krishnan From the Author This step by step guide to your version of the Rich Life includes: - How your attitude toward money should move over from 'past looking' to 'future focusing' -How to find mistake fares to Europe, Pacific and Far East and make that extended 4-day weekend, Thai trip for under 10k INR - Years of research resulting in 40 resources of 'free and cheap accommodations' for vacations - Tried-and-tested scripts to negotiate down credit card, Dish TV, Phone and Internet Bills - How credit cards can help you lower home-loan payments - How to setup the cashflow, so that you can make Diwali, Birthdays and other repetitive expenditures, a breeze - How to make big purchases like a home or a car - a walk in the park - How to invest for your retirement with peanut money now - Enjoy guilt-free irrational spending while also being responsible over the future - Automate every part of your money-life If you are in a 9-5 and are even part-disgruntled, Gamechanger is going to be the turning point of your life

    Understanding your money, and getting it to work for you, has never been more important than it is today, as more and more of us are called upon to manage every aspect of our financial lives, from managing day-to-day living expenses to planning a college savings fund and, ultimately, retirement. From The Wall Street Journal, the most trusted name in financial and money matters, this indispensable book takes the mystery out of personal finance. Start with the basics, learn how they work, and you'll become a better steward of your own money, today and in the future. Consider The Wall Street Journal Complete Personal Finance Guidebook your cheat sheet to the finances of your life. This book will help you:- Understand the nuts and bolts of managing your money: banking, investing, borrowing, insurance, credit cards, taxes, and more- Establish realistic budgets and savings plans- Develop an investment strategy that makes sense for you- Make the right financial decisions about real estate- Plan for retirement intelligentlyAlso available--the companion to this guidebook: The Wall Street Journal Personal Finance Workbook, by Jeff D. OpdykeGet your financial life in order with help from The Wall Street Journal. Look for:- The Wall Street Journal Complete Money and Investing Guidebook - The Wall Street Journal Complete Identity Theft Guidebook- The Wall Street Journal Complete Real Estate Investing Guidebook

    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.

    The book begins with an Overview section. This provides an introduction to Financial Management and to the Financial Environment. The next part covers Financial Planning and Analysis. This section explains concepts like taxes, cash flow, financial statements, and analysis of funds flow and statements. It also discusses financial planning and forecasting.The third part covers the Fundamental Valuation Concepts. This section looks at risk and return, and Securities valuation. The next two parts focus on capital structure, budgeting and dividends. These sections discuss cost of capital, capital structure, planning the capital structure, share valuation and dividend policy. The chapter on Capital budgeting also includes techniques of capital budgeting and analyzing risks in capital budgeting. Part seven goes into Long Term Financing. It covers securities market and sources of long term finance.The next part discusses Working Capital Management. It covers topics like working capital policy and financing, inventory management, and cash and credit management. The last part looks at some special topics like acquisitions, restructuring and mergers. It also discusses international finance management, and project finance, leasing and hire purchase.Fundamentals Of Financial Management provides a good coverage of the basic concepts relating to the financial environment. The topics explained include tax systems, financial institutions, banking arrangements and the regulatory framework. All the concepts are explained using numerous examples and illustrations. Besides the illustrations given within the chapter, additional concepts, tools and techniques with illustrations are provided at the end of chapter sections. The book takes an analytical approach, and explains the various analytical methods in context.

    In a tale of feuds, grandiose dreams and a struggle for supremacy between rival strategies and their adherents, Philip Augar gives a riveting account of Barclays' journey from an old Quaker bank to a full-throttle capitalist machine. The disagreement between those ambitious for Barclays to join the top table of global banks, and those preferring a smaller domestic role more in keeping with the bank's traditions, cost three chief executives their jobs and continues to divide opinion within Barclays, the City and beyond.This is an extraordinary corporate thriller, which among much else describes how Barclays came to buy Lehman Brothers for a bargain price in 2008, why it was so keen to avoid taking government funding during the financial crisis, and the price shareholders have paid for a decade of barely controlled ambition. But Augar also shows how Barclays' experiences are a paradigm for Britain's social and economic life over thirty years, which saw the City move from the edge of the economy to its very centre. These decades created unprecedented prosperity for a tiny number, and made the reputations of governments and individuals but then left many of them in tatters.The leveraged society, the winner-takes-all mentality and our present era of austerity can all be traced to the influence of banks such as Barclays. Augar's book tells this rollercoaster story from the perspective of many of its participants - and also of those affected by the grip they came to have on Britain.

     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

    But when her fiancé puts work before her again, she sets off for a week in the picturesque town of Hope Cove. She’s hoping for time away from the chaos to find herself. Instead, she finds Max.When the gorgeous guy next door asks her for decorating help, Lizzie finds herself all too eager to please. The week she expected to drag suddenly flies by, and before she knows it, she has to return to her other life. The life with the impending marriage and the fiancé she loves.Or does she?One week with Max has left her questioning her life choices. Is her fiancé the man of her dreams, or just the man who asked? Now Lizzie must decide what her life will be. Will she go for the safe and predictable route, or take a chance on a man she hardly knows? No matter what she does, someone’s heart is going to break. She just doesn’t want it to be hers. Book 2: Escape to Oakbrook Farm Village life is supposed to be quiet… Josie Beaumont is a free spirit. She changes jobs about as often as she changes her relationship status. Frequently! The only constants in her life are the comfy old shoes that she refuses to part with.When unemployment looms again, she’s intrigued by a job opportunity at a dog kennels in rural Devon. As someone who thrives on change, a move to the sticks doesn’t faze her at all. She’s expecting life in the country to be quiet and uneventful. What she’s not expecting is Sam.The charming, sensitive neighbour makes life much more interesting. In fact, when she gets involved in the local community, things really aren’t as dull as she anticipated. But just when she finally feels settled, she’s offered the job of her dreams back in London. It’s time to move on. Or is it? Being part of a small community has stirred something in Josie and she begins to question what she really wants. Can she turn her back on her new life and say goodbye to Sam? Or is she ready to hang up her running shoes and stay put? Maybe she’s finally found something worth sticking around for… Book 3: Summer at the Old Boathouse Of all the guys, she falls for the one who’s off limits… Emily Winters would do anything for her best friend Josie. Every week they meet for a catch up at the Old Boathouse - an idyllic little café by the Thames where Josie’s boyfriend Jack works.As the summer draws on, life seems perfect. Emily’s writing career is taking off and she’s throwing herself into the dating scene.There’s just one problem: she compares all the men she meets to Jack.And none of them measure up.