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

    It shouldn't take a worldwide pandemic and nationwide protests to bring economic and racial inequality to the forefront of problems we desperately need to solve. But now that the opportunity is here, what should we do? How can we create more equality, opportunity, and growth for everyone? Not someday, but what can government and the private sector do right now to disrupt a status quo that almost everyone wants to change?In Common Sense, the New York Times best-selling author Joel Greenblatt offers an investor's perspective on building an economy that truly works for everyone. With dry wit and engaging storytelling, he makes a lively and provocative case for disruptive new approaches--some drawn from personal experience, some from the outside looking in. How can leading corporations immediately disrupt our education establishment while creating high-paying job opportunities for those currently left behind? If we want a living wage for everyone, how can we afford it while using an existing program to get it done now? If we subsidize banks, what simple changes can we make to the way we capitalize and regulate them to help grow the economy, increase access, and create more jobs (while keeping the risks and benefits where they belong)? Greenblatt also explains how dramatically increasing immigration would be like giving every American a giant bonus and the reason Australia might be the best place to learn about saving for retirement.Not everyone will agree with what Greenblatt has to say--but all of us can benefit from the conversations he aims to start.

    and how to have more of it.Are you stymied by debt? Clueless about where your paychecks go?Journalist, podcaster and reformed money mess Frances Cook is here for you. Tales from a Financial Hot Mess is the story of Frances getting her money sh*t sorted. With no idea where she was going wrong and what to do about it, she took it upon herself to learn from the best – and soon found out that the fixes were right in front of her the whole time. (She just needed to wise up a bit.)Frances learned the hard way so you don’t have to.Dishing up a brilliant, often hilarious personal narrative, proven financial advice, handy how-tos (and please-don’ts) and many expert insights (from 22 actual experts), this book will guide you along the rocky path to financial freedom – however that might look for you.Tales from a Financial Hot Mess is the real deal – not another bulleted, tabled, graphed lecture from a financial advisor who’s never had issues with money. Read it and enjoy – who knows, you might learn a thing or two.What have you got to lose?

    

    As astonishing as it is true! No longer need you wish or dream about the things you've always wanted - and deserved in life! For as surely as a never-ending stream of air is sent for you to breathe...so may you enjoy wealth, happiness, health, love - a life full of luxuries...beautiful country homes ...travel to far off exotic places...expensive cars...rare and priceless works of art - all this and more, once you learn the secret of projecting "mind rays."

    In there pages, you’ll learn… · Four different kinds of animals that exist in the stock market; · Common mistakes you need to avoid in the stock market; · How to use the Turtle Strategy to make your millions; · Six Lifestyle Principles of the Turtle to grow your wealth; · Bo’s Strategic Averaging Method (SAM)

    NEW.

    Based on Don Lowry's True ColorsÒ model, you will discover tips for understanding, appreciating and relating to each style. Lighthearted anecdotes convey concepts in �real life� situations, offering immediately useful methods for resolving conflicts, opening lines of communication, and enhancing personal effectiveness. Convenient reference lists and a set of color character cards are included for easy determination of your True Colors spectrum. The end result is a celebration of the uniqueness in yourself and others.

    Based on a true story where the author incurs many failures in life but believes that failure comes to those who deserve something bigger. He continuously fails in many entrepreneurial ventures but his attitude towards great sayings keeps him going. Despite not having the best of qualifications, he defies the rule and the common notion that only qualified make it large. Common beliefs of the masses have been challenged at every point.The mention of the business ventures he undertakes while in college and the problems solved by his early philosophical knowledge. Despite being discouraged by the non-entrepreneurial environment, he dares to rise against the wind. He has done something worth writing and written something worth reading! "Awesome book. Very well written. I recommend this book to every teenager as it would surely transform their lives and it will help them to create opportunities for themselves. We need young entrepreneurs in India."- Verified Purchase on Amazon.in"Amazing book.. i have no words in praise of this book..everyone should read this.. must read for everyone..i assure you, this will change your life.." Verified Purchase on Amazon.inAbout The AuthorK Sraff is an entrepreneur. He has undertaken various profit, non-profit ventures, most of which have been mentioned in the book. He has highlighted on a philosophy that "When you help others, the universe conspires to help you...!" which also sets the core theme of the book. How an iPhone Made Me the Youngest Billionaairee has sold thousands of copies in India and abroad. Widely appreciated with over 200+ ratings in Goodreads, 100+ reviews on Amazon. The book speaks not just about dreams, change, but urges the readers to implement what they conceive!

    but not out. In 2001, then-27-year-old Chad Hymas had everything: a beautiful wife, two sons, two thriving businesses and parents and brothers who loved and supported him in everything he did. It seemed he couldn't fail. Everything he touched turned to gold. And then a rushed decision to ignore safety in favor of getting home to see his baby boy take his first steps changed everything forever. A few minutes of caution could've kept his golden life on track, and he would live to regret his decision until he changed his mind about what his life was for. Ultimately, Chad Hymas spent many weeks in the hospital and in physical therapy. The doctors determined that psychological therapy wasn't needed, but Chad had another kind of help. He met Art Berg, another quadriplegic, who introduced himself without a word but with plenty of action. And Chad was paying attention. That was the day he began to change his mind about his life's purpose. With desperation, dedication and determination, and the help and love of his family and friends, Chad set out to reinvent himself, take risks, and do things he never thought he could or would do, even when his body was whole and fully functional. He had plenty of black periods to work through, to let go of his old ideas about who he was supposed to be, and the anger and frustration of not being able to be that. It hasn't been an easy journey, but it has transformed him into a man unlike anything he ever thought he could or would be. He's dedicated his life to service for others who have lost functionality, or perhaps never had it. He became a living example of what is possible, if one is willing to invent different ways to do what has to be done. In order to teach others, he had to invent those new and different ways of doing things for himself. He had to walk the talk. Now... He opens minds, eyes, hearts and doors for people just like himself. He helps people who have all their faculties to become more than they think they can be. He inspires children and adults alike, those with challenges and those without. He helps companies to work better by coming together, and teaches families and caretakers new ways to help those they care for. In the ten years since his accident, Chad travels the world, speaking to companies, kids in schools at all grade levels, families and individuals whose lives are being remolded by their own events. He has become the living demonstration of what is possible, if we find different ways of doing what must be done. His life changed forever and now, he changes lives.

    

    Whether you’re newly divorced or have been divorced for a long while, feelings of shame, anger and regret can linger for months and even years. The good news is that you have a choice about how you want to view your divorce experience. You have the power to reinvent divorce for yourself in a way that makes you stronger, happier and more peaceful. This book can help if you’ve been divorced and you’re ready to: --Transform anger, blame and regret into joy, acceptance and personal power --Embrace the gifts and lessons of your divorce --Peacefully co-exist with your ex-spouse --Support your kids in healing and thriving --Develop your plan for creating your life the way you’ve always wanted it By revising your perspective, you can find things to celebrate about what you learned and what you gained from your marriage and divorce experience. If you’re ready to use your divorce as a springboard to your best life, this book can help.

    In 'Wealth Can't Wait', they share their decades of knowledge, debunk the myth that building wealth is often difficult, and demonstrate how you can create horizontal income streams to enjoy more financial freedom throughout your life.Far from a get-rich-quick formula, 'Wealth Can't Wait' equips you with a comprehensive set of wealth-building skills that will serve you throughout your life. Osborn and Morris's tested and proven five-part strategy outlines what is required to build wealth - from making the initial choice to dealing with setbacks - and details how to cultivate the mindset, habits, business, and momentum to secure the greatest results. The book's valuable tips, building blocks, and lessons from the authors' own experiences will inspire you to start achieving your financial ambitions today.

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

     This is not a book about flipping or wholesaling homes, its about investing in real estate that is a proven method for creating massive wealth. This book is about how you can buy income producing real estate, protect your capital, and provide you and your family with passive while the property pays down debt and you wait for asset appreciation. This easy-to-read guide can be read from cover-to-cover in one sitting. You will learn: • The precise type of real estate that will ensure you the best chance at cash flow and appreciation. • How to ensure positive cash flow during all economies. • How to evaluate a property to know what a fair price is. • How to determine where to find the best deals in your market. • What price, cap rated and how to ensure appreciation in the future. • What the perfect first deal is for you and what deals you should never do. • Why a lower cap rates may provide you with the greatest gain. • How to use good debt and make the bank your partner. • How to know what price you will exit at and even who the buyer profile will be. • You also get an inside look at the exact deals he is looking at today. •This is not a book about what someone did decades ago nor is it about how to buy real estate with no money down. • It is about how to use find and buy real estate that is sure to create multiple flows of income for your family, • and explode your net worth over time using debt pay down and forced appreciation. “Grant Cardone is the master of real estate investing and he simplifies it in his newest release. Get it and apply what he is telling you.” - Daymond John, SharkTank Star and CEO Fubu. "Cardone is to real estate investing what I am to the bar and restaurant business. He shows you exactly what he has done to build a multi-hundred million dollar business.” - Jon Taffer, Bar Rescue The first edition sold out in six days and the reviews are already coming in. IF YOU'VE ENJOYED ANY OF GRANT'S BOOKS, THIS IS A MUST ADD TO YOUR LIBRARY.