That is why a typical investor loses more than one million dollars in his/her investing career (see pages 172-175). The GOOD news is that you can smile now because finally there is a simple solution. Robert Rolih will share with you the details and secret subtleties that will enable you to fire your financial adviser, take control of your money and investments and outperform the pros - while spending only a few hours per year. By reading The Million Dollar Decision, you'll finally discover how to make sure your invested money works for you - and not for the financial industry: The Six Dark Forces of Investing: if you don't learn what these forces are, you will never be able to invest profitably. Get to know them, and Darth Vader will seem like a good guy to you. The Commission Camouflage Effect: learn how the financial industry takes most of your future returns - without you even being aware of it. The most important formula of your financial life: Financial Success Formula. This is an entirely new philosophy on personal finance and investing that will, quite literally, save you financially. If you have adult children, you will want to share it with them right away. Financial safety with the A.R.M.O.R. Formula: even if you are the kindest and most positive person, something unforeseen can happen that turns everything around. Use this simple formula to prevent financial disasters from disrupting your financial security. Selecting the right financial products and minimizing risk: stocks, bonds, mutual funds, index funds, gold, silver. Get a clear answer on how to make the right choices. Investing for retirement or to grow your wealth simply can't get easier! How to beat Richard Branson's speed of creating wealth with one smart move? No hype. Just facts. This will come as a total surprise for you. Short-Term Investing Slaughterhouse: learn the sad truth about short-term trading. If you are thinking about trading stocks, Forex, binary options and other instruments, this chapter will be a life saver. How to get out of the rigged game of investing and add a million to your net worth in just a couple of hours per year? By reading this book you'll have total confidence in yourself when investing and outperform even the experts in just a couple of hours per year. Add this book to cart now and make your Million Dollar Decision! "Being a doctor of medicine I have never enjoyed books about personal finance and investing.

    It could be you want to work on a cruise ships, you want to or have taken a cruise, maybe you are looking for tips on cruising or maybe you just like fun stories about cruise ships. If you are interested in any of those items I just listed, then this book is for you. Before we begin our journey, I guess I should tell you a little bit about myself and why I have written this book. For my cruise ship experience, I worked about 12 years on cruise ships around the world and 2 years working in shore side offices in Florida. I worked with 4 different cruise lines and worked as a scuba instructor/dive manager, shore excursion manager and then in the shore side offices as an IT geek, and finally a few years as an IT officer (yeah, I know, scuba instructor to computer geek, what can I say, it has been an interesting journey). Stories in this book include ones about: Getting a job on cruise ships Life on board ships On board romance Hurricanes Running aground Adrift at sea Kick backs Falling overboard Living on a tropical island Crazy things the crew and passengers do and much much more........................ I also have photos about my life at sea that can be seen at: www.cruiseshipstories.com Looking at these photos will bring my sea faring stories even more to life.

    It's about where to hit the ball, when, and why. It focuses on playing tennis strategically, which is the quickest and best way to raise your game to the next level. For recreational players, developing a strategic approach to the game is the single, most transformative step you can take. In this book, you will learn how to take advantage of the strengths in your game, how to minimize your weaknesses, and how to attack your opponent's game. Most tennis players start by focusing on the mechanics of their strokes. That makes sense. If you can't hit the ball over the net and inside the lines, the rest doesn't really matter. Later, when you're hitting the ball well, it's fun to keep working on your shots. All tennis players love to hit the ball. Unfortunately, stroke improvement has a diminishing return. Early on you improve rapidly, but then the pace levels off. It can be frustrating to work, week after week, month after month, and not see any progress. Developing your strategic understanding of the game completely changes that dynamic. It's difficult to exaggerate how much focusing on strategy can improve every aspect of your game. At first glance, tennis is a marvelously simple game. All you have to do is hit the ball over the net and inside the lines one time more than your opponent does and you win the point. Do that often enough and you win the match. In truth, however, tennis is endlessly complex. That's why it becomes a lifetime passion for so many of us. It's a demanding amalgamation of muscle memory, hand-eye coordination, geometric understanding, stamina, and split-second decision making. Adding another layer of complexity, most of us model our games on professional tennis players. We see them win points by smacking the felt off the ball, going for the lines, serving aces, and hitting topspin lobs from outside the doubles alley. We want to play like that. The catch is we don't have unbelievable hand-eye coordination and don't practice eight hours a day. Is it any wonder, then, that about 80 percent of points in a recreational match end with an unforced error? That's right. Eight out of 10 points-and often more-end because you or your opponent hit the ball into the net or outside the lines. When we come out of top in a match, we like to think that we won. It's probably more accurate to say that we didn't lose. At the core of strategic success at the recreational level is reducing unforced errors. Cutting them by just one or two per set can lead to an exponential leap in matches won. This book are filled with strategies and tactics that you can adopt and adapt to improve your game. You don't need to apply all of them; use only the concepts that work for you. If altering the strategies better suits your game, go for it. Playing strategically will make your game more consistent. You'll become a better competitor, and you'll have more fun.

    The remarkable story of the brand that was able to pull off the near-impossible challenge of integrating itself into the food habits of a nation strongly habituated to eating indigenous sweets is recounted here. It is a behind-the-scenes look at the Cadbury Dairy Milk journey in India over the last six decades.

    It covers the twenty-one years Don spent in the US Army, including six years in Airborne infantry rifle companies, ten years in special forces and five years in military intelligence. His story covers four combat tours, three in Vietnam and one in Laos and stretches from the old “brown boot” army to the new all volunteer army. The story is told in the manner you would hear it if you were sitting with the author having a cup of coffee or a cold beer and chatting about the “good” old days. This memoir covers the following assignments: Basic Combat Training | E Co. 325th AIR, 82d Airborne Division | K Co. 511th AIR, 11th Airborne Division | B Co. 505th AIR, 82d Airborne Division | E Company, 325th, 82d Airborne Division, Fort Bragg, N.C., October 1960 | Training Co., 7th Special Forces Group Ft. Bragg, NC | A Company, 5th Special Forces Group [Sept - Dec 1961] | 1st Special Forces Group, Okinawa | B Co. 5th Special Forces Group, Ft. Bragg, NC | A Co. 3rd Special Forces Group, Ft. Bragg, NC | D Co., 1st Special Forces Group, Ft. Bragg, NC | 46th Special Forces Company [Augmented] 1967 Thailand | 1st Special Forces Group, Okinawa | Super Spook Training, Ft. Holabird, MD | The Bird Cage, Ft. Belvoir, VA | 525th Military Intelligence Group, Vietnam | Counterintelligence Special Agent Course Ft. Huachuca, AZ | Defense Against Methods of Entry Course Ft. Huachuca, AZ | 801st MI Det., 5th SFG [Abn], Ft Bragg, NC June 1971-Dec 1973 | Defense Language Institute Monterey, CA | 500th Military Intelligence Group Camp Zama, Japan | Retirement 1 March 1976 Ft. Bragg, NC Some Readers Comments: “I just got through reading all of your army experiences and enjoyed it very much., Clarence J.” “Don I enjoyed reading about your adventures and about those early Army days! I was reading the parts about “Super Spook!” lol And I was thinking to myself, Hum? “ I think I've met some people like them!” I like your particular writing style. “ Dave H. “I was researching Ft Holabird when I came across part of your memoirs. Great reading...my ass is supposed to be house-husbanding & taking care of the dogs & cats while my wife is attending nursing classes...well I guess spending the afternoon reading your memoirs are worth an ass-chewing.”, Daniel M. “Ran across a couple of your chapters years ago, but for some reason never found your website until this week. Love it, you really capture the esprit de corps serving in SF was all about.”, H.C.S. “My wife’s in Reno visiting her mother. I’m supposed to be working on an exam for the State. Instead, I’m too caught up in your story. Thanks for all that you did.” Jim. F. “Top; I just finished reading your story and I had to tell you that I think that you are a very good writer. Your style of writing kept me attentive from the first paragraph.”, Bob W. “Kudos to you for Strap Hanger, and for saying it in common language of the common soldier. I called my style a barrack philosopher style, but never equaled your style of common language in a clear and concise manner. Enjoyed your writing. Congratulations on a job well done.”, Ron A.

    Honesty, integrity and real experience that puts you in the thick of the action.' Billy BillinghamThere were three patrols that fateful January 1991 morning: Bravo One Zero, Bravo Two Zero and Bravo Three Zero. It was the opening hours of the Gulf War and the SAS were flown deep behind enemy lines to hunt down Saddam's Scud missiles, the use of which threatened a Third World War.The men of Bravo One Zero stepped off the chopper, took one look at the flat desert devoid of any cover and decided no way were they deploying into all of that. But Andy NcNab's famed Bravo Two Zero patrol did deploy, with fatal results - all bar one being captured or killed.And then there was Bravo Three Zero. These men were different. Thought differently. Acted differently. Treating as gospel the SAS's saying 'any fool can be uncomfortable', they deployed with vehicles, and while there was nowhere to hide they could make a dash for the border if desperate.Even as warnings came in that McNab's patrol was on the run, Bravo Three Zero remained undetected - the furthest Coalition forces behind Iraqi lines. Slipping through enemy positions, a string of targets were taken out. But with the desert turning bitter and snow starting to fall, they were forced to fight a running battle against the elements as much as the enemy.Though overshadowed by the fate of Bravo Two Zero, the achievements of this highly-decorated patrol are the stuff of elite forces legend. Now, for the first time, SAS veteran Des Powell reveals their story in gritty, blow-by-blow detail. Written with acclaimed military author Damien Lewis, this is a tale of edge-of-the seat daring deep inside enemy lands. Brutal, savage, unrelenting - prepare to be blown away, in a tale that proves utterly the SAS motto - who dares wins.

    There was a time when the stock market was a mechanism for growing businesses to raise money, playing a large role in the industrial revolution-boosting America to a global superpower. Today the stock market has morphed into a high-tech system of fluctuating arbitrary numbers which are used by individuals and industries alike to find profit opportunities by placing bets, masqueraded as sophisticated financial maneuvers with fancy labels and acronyms. Nowhere is this more evident than with the tendencies observed today. There is a shocking trend by today's Millennial generation to shamelessly and unapologetically find ways to use the stock market to place very high-risk bets. And unlike formal Wall Street investment institutions, these gamblers, of sorts, don't attempt to disguise the game: they are proud to call Wall Street a casino. Jaime Rogozinski combs through various elements of how reckless investors play Wall Street similar to a casino. He illustrates these often in playful ways, using entertaining and compelling real-world anecdotes. His stories are taken straight from Reddit's r/wallstreetbets community which Jaime founded in 2012, and currently has more than 800,000 followers in addition to 3 million unique visitors a month. WallStreetBets is a forum based gathering where people are notoriously known for taking a brazen and public approach at gambling with the stock market.

    So we’ve created a guide that will show you (or a friend or relative who’s just getting started): * How much you need to start investing. * The key steps for building long-term wealth. * Proven ways to find great companies to buy. Understanding these life-changing concepts will get any investor on the path to financial freedom. Built upon our 13 Steps to Investing Foolishly, The Motley Fool Guide to Investing for Beginners includes our top investors’ biggest mistakes, insights into different styles of investing, and much more. Plus, you get 3 great stock picks that we think could make a strong foundation to any portfolio.

    Shilling explains in clear language and compelling logic why the world economy will struggle for several more years and what investors can do to protect and grow their wealth in the difficult times ahead. The investment strategies that worked for last 25 years will not work in the next 10 years. Shilling advises readers to avoid broad exposure to stocks, real estate, and commodities and to focus on high-quality bonds, high-dividend stocks, and consumer staple and food stocks. Written by one of today's best forecasters of economic trends-twice voted by Institutional Investor as Wall Street's top economist Clearly explains what to invest in, what to avoid, and how to cope with a deflationary, slow-growth economy Demonstrates how Shilling has been consistently right about major economic trends since he began forecasting in the early 1980s Filled with in-depth insights and practical advice, this timely guide lays out a convincing case for why investors need to be prepared for a long period of weak growth and deflation-not inflation-and what you can do to prosper in the difficult times ahead.

    By 2008, it was bust. The Irish government's hopeless attempts to save Anglo have led the state to ruin - culminating in a punitive IMF bailout in late 2010 and threatening the future of the euro. Now, for the first time, the full story of the bank the Sunday Times described as 'a building society on crack' is being told - by the journalist who has led the way in coverage of Anglo and its many secrets. Drawing on his unmatched sources in and around Anglo, Simon Carswell of the Irish Times shows how the business model that brought Anglo twenty years of spectacular growth was also at the heart of its - and Ireland's - downfall. He paints a vivid and disturbing picture of life inside Anglo - the credit committee meetings, the lightning-quick negotiations with property developers, the culture of lavish entertainment - and of the men who presided over its dizzying rise and fall: Sean FitzPatrick, David Drumm, Willie McAteer and many others. This is not only the first full account of the Anglo disaster; it will also be the definitive one.

    Everything else can be made, bought or created. Our life is made up of around 600,000 hours and every second is of infinite value. We live in an attention economy where corporations are fighting for our time with the goal of monetizing our every second. The money we use loses value and devalues our time through inflation. When we work, we are exchanging our limited time for money whose quantity increases every year. It hasn’t always been this way. People used gold as money for a reason; it was also a limited resource. Now, what does the future hold?Valuing your time is the first step to improving your life. Knowing that your time is the only limited resource makes you more selective about the things you do, the people you spend your time with and the assets you choose to store your wealth in. Once you learn to appreciate your time, you will get busy doing the things you love and start making better financial choices.

    Written by the founder and editor of MarketBeat, a daily investment newsletter with more than 425,000 subscribers, this invaluable resource will show you how to identify investments that offer lower volatility, higher returns and an automatic income stream of dividends that you can live off of during retirement. This strategy is easy to implement and will set you off on a path toward true financial independence. Here's what you'll learn: How you can create an automatic income stream you can actually live on during retirement. How to build an investment portfolio of rock-solid companies that outperform the S&P 500. What criteria can identify dividend stocks that consistently return 10% or more per year. Which newsletters, websites and other resources you should use to research dividend stocks. Why you won't be tempted to cash out your dividend stock portfolio during the next recession. How to reduce your tax bill by choosing the right dividend investments and the right accounts. Why dividend-growth investing is superior to traditional income investing strategies. Market risk is near an all-time high and interest rates are at a historic low. There has never been a better time to switch to a more sensible wealth-generation strategy. If you want to improve your market returns, spend less time worrying about money and achieve true financial independence, this book is for you.

    "You earn $150,000 a year, so where the hell is your money going?" Or what about this little gem that pops up every so often when you catch up with the girls- "How can she afford that?" Or maybe you're in a relationship that you're desperate to leave but that voice always says- "You can't afford to." Maybe your biggest fear is retiring in a polyester outfit because you haven't saved enough to live the fashionista lifestyle you're accustomed to. This book is for every woman who unashamedly has that voice in her head. After 20 years on a brand like Money, I've come across just about every possible question. Hopefully you'll find the answers to some of your questions in here.

    Prime Minister Indira Gandhi hated the marigold flower, although in death it was strewn all over her body; her son Sanjay Gandhi was dictatorial, but also uncommonly empathetic; Smita Patil, who was synonymous with strong, women-centric films, was deeply insecure in her personal life; Ekta Kapoor, the television czarina believes that her unabashed faith in God helped her scale heights and earn her first big bucks; and Abhinav Bindra, who won India the first Olympic gold medal in an individual event confessed how he was a laidback child with no goals in sight. Embellished with interesting nuggets, this book is a collection of fascinating profiles including, L.K. Advani, Smriti Irani, Lalu Prasad Yadav, Rajiv Gandhi, Amitabh Bachchan and Arun Jaitley. Uncommon access, being privy to confidences and, above all, a willingness to tell the story, bring alive the people behind the headlines. The Marigold Story: Indira Gandhi & Others is not a gushing account of newsmakers; if anything it captures their weaknesses; goes beyond their achievements and examines what makes these individuals distinctive and unforgettable at the same time.

    With decades of research and insight, Jensen lifts the veil of public relations half-truths and exposes the reality of the man who is still, 30 years after his death, the iconic Western movie hero and hero of red state America. Jensen proves that the public John Wayne was very different from the private man, who struggled with severe alcoholism, chronic infidelity, self-esteem and personal demons that often made life hell for his wives and children. The book painstakingly recounts the triumphs and tragedies of the life of John Wayne – who rose from abject poverty to become the world’s most famous movie star – and creates a portrait of a man haunted by a childhood of abuse; a man conflicted by his own definition of masculinity; a man fighting to control his own rage and his propensity for violence; a man who committed domestic violence against all three of his wives and his children; and a man haunted by and driven to overcome his fear of failure, poverty and ridicule.