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

    Breaking everything down into simple and achievable steps, he makes this daunting process easy. Learn how to:- Find your perfect pad- Choose which mortgage is right for you- Negotiate with estate agents and sellers- Organise exchange and completion Including indispensable advice, money-saving tips and an essential trouble-shooting section, this guide covers everything a first-time buyer needs to know. And when it's time to move on again, this book will show you how to sell your home too.Phil Spencer is one the best-known faces on British television, co-presenting the hit Channel 4 series Location, Location, Location and Relocation, Relocation. Phil has written regularly columns in The Sunday Times and Country Life, and is contracted to Archant publishing to write columns that are syndicated in the group's numerous local glossy magazines which are distributed nationwide. Recent TV appearances include on The One Show, Children in Need and The Friday Night Project, and Phil also regularly appears on the radio to discuss property issues.

    Its organization and thoroughness are unsurpassed, putting it above similar review books. Students who thoroughly read this book should have no trouble successfully completing their psychiatry clerkship and passing the shelf exam. As course director for the core psychiatry clerkship at my institution, I will recommend this book to students."--Doody's Review Service"First Aid for the Psychiatry Clerkship" gives you the core information needed to impress on the wards and pass the psychiatry clerkship exam. Written by students who know what it takes to succeed, and based on the national guidelines for the psychiatry clerkship, the book is filled with mnemonics, ward and exam tips, tables, clinical images, algorithms, and newly added mini-cases.Features Completely revised based on the psychiatry clerkship's core competencies Written by medical students who passed and reviewed by faculty for accuracy NEW integrated mini-cases illustrate classic patient presentations and/or commonly tested scenarios NEW illustrations and management algorithms Updated throughout with enhanced sections on medications, depression/anxiety, and child psychiatry Helps students hone in on the most important concepts for the clerkship and the examThe content you need to ace the clerkship: Section I: How to Succeed in the Psychiatry Clerkship Section II: High-Yield Facts; Examination and Diagnosis; Psychotic Disorders; Mood Disorders; Anxiety and Adjustment Disorders; Personality Disorders; Substance-Related Disorders; Cognitive Disorders; Geriatric Disorders; Psychiatric Disorders in Children; Dissociative Disorders; Somataform and Factitious Disorders; Impulse Control Disorders; Eating Disordes; Disorders; Sleep Disorders; Sexual Disorders; Psychtherapies; Psychopharmacology; Legal Issues; Section III: Awards and Opportunities.

    Communication is also emphasized, with a focus on how to document and communicate project developments, both within and outside of the team. In-depth coverage of planning, scheduling and cost management is also provided. The authors' goal is to provide many cases that are fun and elicit interesting debates, and this edition includes new end-of-chapter cases. In addition, all new up-to-date Real World Project Management vignettes are included at the beginning and within each chapter, giving you a taste of how project management is practically applied in the workplace. Key points of each chapter are highlighted in Critical Success Factor boxes, providing an overview of the main ideas covered within the chapter. End-of-chapter materials contain questions and Internet exercises that allow you to apply the concepts covered in the chapter. Sprinkled throughout each chapter are boxed questions designed to test your comprehension of key concepts. A trial version of Microsoft Office Project 2007 is included for student use on class projects.

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    This user-friendly training guide includes groups of instructional exercises and practice tests on various aspects and features of the sixth edition of the Publication Manual, including electronic references and citations, grammar, headings, seriation, statistical and mathematical copy, italics, capitalization, numbers style, and table formatting.

    Up-to-the-minute coverage now includes digital assetmanagement; metadata standards; the role ofInternet, FTP, and e-mail technologies; the impactof media consolidation on assignment and stock photography;and much more. This indispensable guidecovers the full range of business and legal questionsthat photographers might have, with comprehensiveadvice from the ASMP, the foremost authorityin the field. In eleven in-depth chapters, morethan two dozen industry experts explore pricingand negotiating, ethics, rights in traditional andelectronic media, publishing, and much more. Businessand legal forms, checklists, and an extensivecross-media bibliography make this the one reference book that deserves a place on every successful photographer's bookshelf.• Covers all of today's most urgent issues in photography• Contributions from more than two dozenexperts, all professional photographers• 60,000 copies sold!

    The cases, content, and features of the exciting new ninth edition have been thoroughly updated to represent the latest developments in the business law environment. An excellent assortment of cases ranges from precedent-setting landmarks to important recent decisions, and ethical, global, and corporate themes are integrated throughout. In addition, numerous features and exercises help you master key concepts and apply what you've learned to real-world issues, and the book offers an unmatched range of support resources, including innovative online review tools.

    This edition explores the major concepts and theories of the psychology of bargaining and negotiation, and the dynamics of interpersonal and intergroup conflict and its resolution.

    Organized around a strategic marketing framework"Services Marketing" guides readers into the consumer and competitive environments in services marketing. The marketing framework has been restructured for this edition to reflect what is happening in services marketing today.

    Learn how to interpret questions and how to plan, structure and write your assignment or report. This free course, Essay and report writing skills, is designed to help you develop the skills you need to write effectively for academic purposes.

    

    This Contracts primer is vastly uncluttered - one that picks up the main themes in the first-year Contracts course, together with related cases.

    This is not you grandma's coupon book! Pick Another Checkout Lane, Honey teaches you step-by-step how to:o Find coupons and "stack" them with a sale for huge savings.o Build a stockpile of food at rock-bottom prices to last you and your family up to a year.o Make passers-by gape at your cart full of groceries you purchased for 75% off retail price.o Get your cashiers to gasp and applaud as you purchase everyday items for pennies on the dollar.o Gain the confidence to strut down the aisles, flaunt your coupons, and maybe even wear high heels to the grocery store!Authors Joanie Demer and Heather Wheeler, founders of TheKrazyCouponLady.com, share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have shoppers high-fiving the grocery store cashier in no time.

    * Easy to follow How To Crochet illustrations * Fun and simple projects to make * Learn a variety of crochet stitches and skills * Perfect for absolute beginners * Projects include hats, scarves, mittens, baby blankets, scented hearts, granny squares and more! This is the ONLY beginner's book you'll need to start to crochet today!!