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

    In addition to fine-tuning and streamlining the prose and the overall presentation, the authors have comprehensively updated the text and the applications to reflect recent economic developments and topics of current interest. Students in particular will find the Study Guide, with its practice questions, exercises, and problems, to be an excellent source of study support and extra review material. It is available in both a one- and a two-volume edition.

    

    The MOST IMPORTANT, INFORMATIVE AND EXPLOSIVE BOOK EVER WRITTEN ABOUT THE ANUNNAKI, THEIR WORLD, THEIR RETURN TO EARTH, AND PLAN FOR HUMANITY in:• 2,034 A.D. • 2,031-2,033 A.D. • 2,029 A.D. • 2,028 A.D. • 2,027-2,026 A.D. • 2,026 A.D. • 2,025 A.D. • 2,024 A.D. • 2,022-2023 A.D. • The author, Maximillien de Lafayette, have been so fortunate as to study with the Anunnaki Ulema who are the guardians of this knowledge in Egypt, Iraq, the islands of Arwad and Cyprus. This is the first time he is making use of this depot of knowledge about the Return of the Anunnaki to Planet Earth, and we are very lucky to have access to it. The subjects introduced in this book are explosive. Most important is the fact that it reveals the potential return of the Anunnaki in 2022, and the most frightening transformation that it would bring to the earth. If this is going to happen, a huge number of the people on earth, those grossly contaminated by Grays’ DNA, will be annihilated. You know who they are – the child murderers, the rapists, those who torture, those who abuse, the vicious politicians, the slaves of money and power, etc. Yes, we all know who they are. But the Anunnaki, who have no false sentimentality at all, will not tolerate even a medium level contamination. Unless they do their best to clean themselves during the grace period of the next 9 years, those of mid level contamination will also be destroyed. Those who would manage to clean themselves to a certain degree may possibly (but without any guarantee) be able to escape the burning, smoking earth through special portals, called Ba’abs. For those of us interested in the use of esoteric codes, they are here for you to learn. Each term will teach you how to use it for your benefit, how to apply it not only to your spiritual growth, but to your business, relationships, and daily life. You will learn how to interpret the codes in many ancient languages, how to build a physical amulet/code that will protect certain aspects of your life, and how to develop your psychic and extrasensory powers by simply using these codes. You will learn how the Anunnaki, our original creators, and how God fit into all this. Religion, true and false, will be explored. Jesus, who never really died on the Cross, will be shown as a historical figure, with his wife, Mary Magdalene, with whom he escaped to ancient Marseille. Who were Adam and Eve? Who was the Serpent? How do the gods of Sumer signify to us? The book is arranged in the time-honoured tradition of questions and answers.The return of the Anunnaki is not a new idea. It has been already announced in sacred scriptures, but of course interpreted differently. Some said Jesus is an Anunnaki, and he will return as a cosmic Messiah. A new school of religious thought in Iran suggests that Mohammed will return as a celestial being. And we should not to forget the Rapture and the Gnostics as well. But all of them have their origin in the Anunnaki texts, because these texts were written thousands of years before the Old Testament, the New Testament, and the Quran. The book will explore this topic and includes:• What Is Going To Happen To Organized Religions?• How Will The Human Mind Benefit From The Anunnaki Connection?.• What Will Happen To The Teachings Of Jesus, Moses, Mohammed, And Buddha, If The Anunnaki Demolish All Religions And Our Religious Beliefs Systems?• What Will Happen To The Vast Number

    This proven magick works safely, without wands, herbs, incense or candles. There is no need to pay the spirits, and there is no karma or spiritual backlash. You get what you deserve, you get it fast and you get to spend it any way you want. Where the Magickal Cashbook gave just one method for attracting a small burst of money, and Wealth Magick worked on long-term career enhancement, Magickal Riches contains practical rituals that continually manifest money. Developed from ancient knowledge and modern occult technology, the major workings in this book have never been published before, in any form. The secrets of Magickal Riches have been crafted by The Gallery of Magick during the past thirty years. You will discover: *The Master Money Ritual, using a sigil that contains a pattern of magickal symbols. *How to find your Secret Source of Money, to provide new streams of unexpected income. *A Ritual To Increase Sales, for anybody who sells a product of any kind. *A Ritual For Buying and Selling that ensures that you get the best deal when you are buying or selling anything, from a small item to a house or business. *A ritual to Get Somebody To Pay Up. When you are owed money, use magick to get what belongs to you. *The Genius Rituals, with a set of unique sigils to call on intelligent and helpful spirits. *A ritual to Attract Money Through Perception, for trading shares, or to find out the best course of action in any money-making situation. *The Chance Money Attraction ritual, employing the power of Nitika in harmony with other genius spirits, to bring money out of the blue. *The Gambling Ritual, to increase your luck in lotteries and games of chance. *A secret technique, never revealed until now, for adding extra energy to your magickal workings. Damon Brand says, 'Creating money with magick is one of the most direct and exciting ways to experience the raw power of the occult.' If you are completely new to magick, be assured that this magick is safe and effective. It will work whether you believe in it or not. If you are an experienced occultist, you will discover many new secrets for manifesting money. This exceptional work gives you all the knowledge, techniques, images and secret words that you need to unleash a flow of riches into your life.

    Why?In an era of growing cultural pessimism, many thoughtful individuals believe that different civilisations – especially Islam and the West – cannot live together in peace. The ten countries of ASEAN provide a thriving counter-example of civilizational co-existence. Here 625m people live together in peace. This miracle was delivered by ASEAN.In an era of growing economic pessimism, where many young people believe that their lives will get worse in coming decades, Southeast Asia bubbles with optimism. In an era where many thinkers predict rising geopolitical competition and tension, ASEAN regularly brings together all the world’s great powers.Stories of peace are told less frequently than stories of conflict and war. ASEAN’s imperfections make better headlines than its achievements. But in the hands of thinker and writer Kishore Mahbubani, the good news story is also a provocation and a challenge to the rest of the world."This excellent book explains, in clear and simple terms, how and why ASEAN has become one of the most successful regional organizations in the world."George Yeo"A powerful and passionate account of how, against all odds, ASEAN transformed the region and why Asia and the world need it even more today."Amitav Acharya“Kishore and I have written that the world is coming together in a Fusion of Civilisations. This book documents beautifully how ASEAN has achieved this fusion. The ASEAN story is hugely instructive and this book tells it very well.”Larry SummersKishore Mahbubani is Dean of the Lee Kuan Yew School of Public Policy, National University of Singapore, and author of The New Asian Hemisphere: The Irresistible Shift of Global Power to the East. Jeffery Sng is a writer and former diplomat based in Bangkok, co-author of A History of the Thai-Chinese.

    Why are experts so bad at making predictions? Why do rich people take outsized risks to reach for money they don't need? Is America's manufacturing base really dwindling? What did we learn about risk after 9/11? Those questions and many more are tackled in these 21 irreverent and contrarian essays, which will have readers thinking differently about the conventional wisdom.

    This book is going to provide you with everything you need to know about Ethereum and whether it is worth investing in now. Like many people, I became interested in Bitcoin years ago, when Bitcoin was still relatively new, but hinting at a huge profit margin for those who took the risk and invested. It was after a couple of years playing around on the Bitcoin market that I heard about a new type of blockchain technology, one that wasn’t just a digital form of payment, but one that could support potentially endless different types of applications. Not only that, but it comes with its own currency. This, to me, sounded like a potentially profitable situation, so I decided to dig a little deeper. Unlike Bitcoin, Ethereum is still largely unknown to those who don’t keep up with the cryptocurrency world, so the amount of information available is limited or highly technical. Still, it was fascinating and the more I read about Ethereum, the more I began to see its huge potential. And I’m not alone. More and more Fortune 500 companies are investing in Ethereum technology as it becomes increasingly lucrative and poises to change business processes as we know them. I decided to condense my research and share my knowledge on Ethereum by writing this book. The book is designed for those who are new to cryptocurrency, but want to invest in it or learn more about it, as well as for more experienced traders looking to expand their portfolios. With a 5,000% increase in value in the first few months of 2017, Ethereum is proving to be a profitable currency. Still, as it is so new – it was only launched in 2015 – it comes with many infancy-related risks. It’s partly this that makes it so exciting. This book will help you make your own investment decisions and decide if Ethereum is the right coin for you after weighing up the pros and cons that are presented here. So far, Ethereum has made me good money and I was lucky to make the investment when I did. However, now is not too late to invest, not by a long shot. In fact, now is the perfect moment to make the most of Ethereum’s infancy and gain potential first-mover advantages. Ethereum’s technology is only at the beginning of its potential growth stages, possibly reaching to dozens of industries and thousands of services. If its technology is adopted the way it is expected to be, Ethereum will enjoy a long and lucrative spot at the top. The profits are ripe for the taking. Here Is A Preview Of What’s Included… What Is Ethereum? Smart Contracts, Dapps, And DAOs The Technology Behind Ethereum What Is Ethereum Mining? Uses Of Ethereum What Is Ether? The Financial History Of Ether How to Buy, Sell, And Store Ether The Mining Process Of Ether Should I Invest In Ether? The Future Of Ethereum Much, Much More! Get your copy today!

    

    Unfortunately, most of us were never taught how to think and communicate about money. The Money Code is a modern tale of one person's journey to uncover the five secrets to living his one best financial life. Through his voyage, you will learn how to:- Prevent bad decisions about money- Identify your Money Mind‚ Fear, Happiness, or Commitment and how it affects every financial decision you make- Use a custom checklist to improve your entire financial life- Clearly discuss decisions about money with the ones you love- Finally take control of your financial life

    Moreover, the achievements of the early people of Africa are as amazing and inspiring as the achievements of any other people.This history is much older than the Trans-Atlantic Slave Trade.The author introduces his readers to the early civilizations of Africa that existed long before the coming of the Europeans. Among these were the Songhai Empire, the Benin Empire, the Kanem-Borno Empire, the Monomotapa Empire, the Swahili Confederation, the Medieval Nubian kingdoms and the Axumite Empire.The author also introduces the ancient civilizations of Africa particularly those of the Nile Valley such as Nubia and Ancient Egypt.The book is illustrated with 18 images and maps. Finally, the book recommends other books for more in depth study.

    Its manufacturing underpins the world's economy; its military is growing at the fastest rate of any nation and its leader - Xi Jinping - is to set the pace and tone of world affairs for decades.In 2017 Xi Jinping became part of the constitution - an honour not seen since Chairman Mao. Here, China expert Kerry Brown guides us through the world according to Xi: his plans to make China the most powerful country on earth and to eradicate poverty for its citizens. In this captivating book we discover Xi's beliefs, how he thinks about communism, and how far he is willing to go to defend it.

    The Greatest Secret of All clearly explains this law of manifestation but then takes it a quantum leap further, revealing what is truly important in life. We have what we need within us to do what we love, to be the people we dream of being, and to become completely fulfilled along the way — to become, as Abraham Maslow put it, self-actualized. We also have the capability, here and now, to create a world that works for everyone. In these pages, you will find the secret to a life of happiness, inner peace, ease, and fulfillment, and the secret that lets each of us contribute to making the world a better place for all.

    Authors and money-management experts Lyle and Tracy Shamo say, "Like it or not, meeting basic needs has nothing to do with poverty and everything to do with how well we manage our money." In this practical guidebook, the authors will help you take control of your money, teaching you how to pay off your debt-including your mortgage and car loans- and stay out of debt. Advanced computer software (included on a CD-ROM that comes with the book) will help you assess your financial status, learn more about where your money is going and discover how to channel it to the right places.

    Material covered includes the difference between stocks and businesses, what constitutes a good business, when to buy and sell stocks, and how to value individual stocks. The book also includes a chapter covering four case studies as well as a supplemental chapter on the pros and cons of real estate versus stock market investing.