Why? BECAUSE THAT'S HOW WALL STREET WANTS IT"[T]he always irreverent author of the Reformed Broker blog has written an excellent narrative that shares all of your broker's dirty little secrets. Much like Michael Lewis' Liar's Poker captured the essence of 1980s institutional Wall Street, Brown's Backstage Wall Street recreates the boiler room retail brokerage culture of the 1990s and early 2000s in vivid color." --FORBES "With a smirk, a lashing wit, and an appropriate irreverence, Joshua Brown gives voice to what all investment professionals are--or should be--secretly thinking."--MICHAEL SANTOLI, Barron's columnist"The pages of this book are filled with colorful expos�s of misconduct in the way Wall Street presents and sells itself (and its financial products offerings!). . . . Run don't walk to read Brown's chronicles of deception [perpetrated by] those wonderful folks on Wall Street, who nearly bankrupted the world's fi nancial system a few short years ago."--DOUGLAS A. KASS, Seabreeze Partners Management, Inc."Everything you've ever read about Wall Street is a total lie. Everyone is lying to you every day. Until you read this book."--JAMES ALTUCHER, Formula Capital and author of I Was Blind but Now I See"Joshua wants Wall Street to be awesome. You can feel it every day on his amazing blog and in this great book. He is happy to shout when Wall Street drives him crazy. I guarantee you will enjoy this book that describes the action behind the business of Wall Street and his own experiences along the way."--HOWARD LINDZON, Lindzon Capital and founder of StockTwitsJoshua Brown may be the funniest writer on finance today, but Backstage Wall Street could make you cry more than laugh. The buffoons, manipulators, and incompetents Brown parades before us are the stewards of our retirement accounts....What's important is that investors understand the choices before them. Backstage Wall Street goes a long way to taking us backstage, while making us laugh in the process.--BARRON'SAbout the Book: Wall Street is very good at one thing: convincing you to act against your own interests. And there's no one out there better equipped with the knowledge and moxie to explain how it all works than Josh Brown. A man The New York Times referred to as "the Merchant of Snark" and Barron's called "pot-stirring and provocative," Brown worked for 10 years in the industry, a time during which he learned some hard truths about how clients are routinely treated--and how their money is sent on a one-way trip to Wall Street's coffers.Backstage Wall Street reveals the inner workings of the world's biggest money machine and explains how a relatively small confederation of brilliant, sometimes ill-intentioned people fuel it, operate it, and repair it when necessary--none of which is for the good of the average investor.Offering a look that only a long-term insider could provide (and that only a "reformed" insider would want to provide), Brown describes:THE PEOPLE--Why retail brokers always profit--even if you don't THE PRODUCTS--How funds, ETFs, and other products are invented as failsafe profit generators--for the inventors alone THE PITCH--The marketing schemes designed for one thing and one thing only: to separate you from your moneyIt's that bad . . . but there's a light at the end of the tunnel. Brown gives you the knowledge you need to make the right decisions at the right time.Backstage Wall Street is about seeing reality for what it is and adjusting your actions accordingly. It's about learning who and what to steer clear of at all times. And it's about setting the stage for a bright financial future--your own way.

    Through "Enterprise Facilitation," depressed communities can build lasting hope and prosperity by first helping individuals recognize their talents and their business passion, and then provide the skills necessary to transform their dreams into meaningful and rewarding work.

    Written by the world’s foremost PowerPivot blogger and practitioner, the book’s concepts and approach are introduced in a simple, step-by-step manner tailored to the learning style of Excel users everywhere. The techniques presented allow users to produce, in hours or even minutes, results that formerly would have taken entire teams weeks or months to produce. It includes lessons on the difference between calculated columns and measures; how formulas can be reused across reports of completely different shapes; how to merge disjointed sets of data into unified reports; how to make certain columns in a pivot behave as if the pivot were filtered while other columns do not; and how to create time-intelligent calculations in pivot tables such as “Year over Year” and “Moving Averages” whether they use a standard, fiscal, or a complete custom calendar. The “pattern-like” techniques and best practices contained in this book have been developed and refined over two years of onsite training with Excel users around the world, and the key lessons from those seminars costing thousands of dollars per day are now available to within the pages of this easy-to-follow guide. This updated second edition covers new features introduced with Office 2015.

    As everything and everybody gets swallowed up by Facebook, Google+ and other death stars, remember the importance of having one's own piece of real estate to call one's own...

    Extensively updated, it contains unsurpassed independent and objective coverage of Windows Server 2012's key innovations, including improved virtualization components, enhanced security tools, new web and management resources, and Windows 8 integration. Windows Server 2012 Unleashed reflects the authors' extraordinary experience implementing Windows Server 2012 in large-scale environments since its earliest alpha releases, reaching back more than two years prior to its official launch. Microsoft MVP Rand Morimoto and his colleagues fully address every aspect of deploying and operating Windows Server 2012, including Active Directory, networking and core application services, security, migration from Windows Server 2003/2008, administration, fault tolerance, optimization, troubleshooting, and much more. Valuable for Windows professionals at all skill levels, this book will be especially indispensable for intermediate-to-advanced level professionals seeking expert, in-depth solutions. Every chapter contains tips, tricks, best practices, and lessons learned from actual deployments: practical information for using Windows Server 2012 to solve real business problems. Plan and migrate from Windows Server 2003 and 2008 Leverage powerful capabilities that are truly new in Windows Server 2012 Install Windows Server 2012 and the GUI-less Windows Server Core Upgrade to Windows Server 2012 Active Directory Utilize advanced AD capabilities including federated forests and identity management Plan and deploy network services, from DNS and DHCP to IPv6, IPAM, and IIS Protect systems and data with server-level security, transport-level security, and security policies Deliver true end-to-end secured anytime/anywhere access to remote/mobile clients Efficiently configure and manage users, sites, OUs, domains, and for­ests through Server Manager console Create more fault-tolerant environ­ments with DFS, clustering, and Network Load Balancing Leverage major Hyper-V virtualization improvements in availability, redun­dancy, and guest support Manage Active Directory more efficiently with Active Directory Administrative Center, Best Practice Analyzer, and PowerShell scripts Systematically tune, optimize, debug, and troubleshoot Windows Server 2012

    Provies basic theoretical discussions of the principles of biopharmaceutics and pharmacokinetics, along with illustrative examples and practice problems and solutions to help the student gain skill in practical problem solving.

    Heyer’s writing is lively, witty, and charming, and full of vividly realized characters and well researched historic locales. Simply put, she had no equal among her contemporaries. We have gathered Heyer’s first four novels and a short story together in this omnibus edition. There are 350,000 and over 950 pages of fantastically written romance fiction. Included are 'The Transformation of Philip Jettan', 'The Black Moth', 'The Great Roxhythe', 'Instead of the Thorn', and 'A Proposal To Cicely.'

    "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

    For Frederick and the inhabitants of his world, reincarnation is real, but people are always reborn in the country in which they died. Now Frederick seeks to pull off his greatest heist yet—enter a maximum security prison, where souls are trapped through reincarnation, and assemble the greatest criminal team that has ever lived. But for Frederick, the heist is just the beginning of a plan centuries in the making: a plan of revenge for unforgivable crimes committed a millennium before. And in this world, even death cannot keep Frederick from success.

    Last Stand gives us a new, unexpected lens through which to view a previously unsung hero of conservation and offers prescriptions for the future of conservation.

    Are You Up for It? I keep hearing people wanting to change their lives, but somehow they don't have the time to make the necessary improvements. In this day and age EVERYBODY is overwhelmed, but still, a few manage to build Tesla, SpaceX, Amazon, Facebook, Google, etc. The other vast majority of 95% of people is swamped Monday to Friday and live for the weekend. They are professional fire-fighters putting out crises all day long. Stimulus and Reaction. This is not how anyone should live! "If only I would have the time..." So, my solution to you having your best life possible is straightforward: (full disclosure: IF I DON'T LIVE IT, IT'S NOT IN THE BOOK! No hearsay, no fancy untested strategies that look good on paper, no smart-a** impossible combinations) First - Make the Time! Go to bed earlier and get the best sleep possible. Most of the people don't need *more* sleep, but better sleep. I will teach you the fundamentals of great, resting sleep. Once you solve the sleeping puzzle, you'll be a different person. Second - Have a Great Morning Ritual Not an average morning routine - a World Class Morning Ritual. After working with more than 5,000 clients through my programs and 5AM Club Members in the last 5 years, I can vouch with everything I got that every single piece of advice in this book is tested and re-tested over and over again. Even more so, I LIVE & BREATHE every piece of advice that I give! Third - Wake Up with Passion Too many people use sleep as the most convenient drug to avoid facing the harsh reality. Why is Monday the most dreaded day? Because people love their jobs? Of course not. So, you need strong reasons to jump out of bed at sunrise. I'll give you 50 reasons to wake up at 5AM with a smile on your face! Fourth - Implement the Right Changes in 8 Weeks Dealing with a lot of new habits is overwhelming and will guarantee a negative result. In order to massively upgrade your life, more than Motivation or Discipline you will need structure. Once you see how natural things can flow in the morning and in the evening, you'll never go back to your old ways. Buy this book NOW to increase your productivity and stop feeling so overworked and overwhelmed! Pick up your copy today by clicking the BUY NOW button at the top of this page!

    By examining the three keys to successful real estate investing - selection, taxation and protection - this book shows what it takes.

    Together, they are building forever. Alexis Black persevered through her mother’s death and her father’s imprisonment. And after escaping a long and abusive relationship, the college junior promised her foster parents not to date for at least a year. But when she meets an incoming freshman on the first day of their scholarship program, she feels the world melt away, as though it were only the two of them in the room. Justin Black lived in abandoned houses before going through the child welfare system. But when he grabs the chance for better opportunities by pursuing higher education, he can’t help but be drawn to a beautiful third-year student. Recognizing a fellow survivor, he cherishes the ease of their deep conversations and her wonderful moments of raw vulnerability that makes him fall hard. In a stark and wholehearted true story that shares how two individuals on separate paths found each other, Alexis and Justin merge their course into one full of hope and purpose. And hand-in-hand, they learn to communicate effectively and avoid patterns of trauma to intentionally break the cycle of unhealthy behaviors. Written in an engaging novelistic style, the authors put forward a thoughtful exchange of ideas and personal experiences illustrating how anybody, no matter their backgrounds, can have a life of self-empowerment and joy. Broken down into four sections that cover crucial topics such as “Worthiness” and “Mental Health,” this compelling narrative will help any who are learning to love themselves and want to end the line of toxic relationships. Redefining Normal: How Two Foster Kids Beat The Odds and Discovering Healing, Happiness, and Love is a page-turning memoir that will open your eyes to possibilities and dreams. If you like honest tales of triumph, refreshing transparency, and resilient faith in God, then you’ll adore Justin Black and Alexis Black’s inspirational autobiography. This story contains mentions of domestic violence, trauma, sexual assault, and other difficult issues faced on the road to healing.

    

    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.