Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey.By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else!This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

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Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people.Money―investing, personal finance, and business decisions―is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together.In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics.

The advice is sound; the client seems eager; and then… nothing happens! Too often, this is the experience that financial professionals encounter in their daily work. When good recommendations go unimplemented, clients’ well-being is compromised, opportunities are lost, and the professional relationship grows strained. Advice that Sticks takes aim at the problem of financial non-adherence. Written by a neuropsychologist and financial change expert, this book examines the five main factors that determine whether a client will follow through with financial advice. Individual client psychology plays a role in non-adherence; so, too, do sociocultural and environmental factors, general advice characteristics, and specific challenges pertaining to the emotionally loaded domain of money. Perhaps most surprising, however, is the extent to which advice-givers themselves can foil implementation. A great deal of non-adherence is due to preventable mistakes made by financial professionals and their teams. The author integrates her extensive clinical and consulting experience with research findings from the fields of positive psychology, behavioural economics, neuroscience, and medicine. What emerges is a thoughtful, funny, but above all practical guide for anyone who makes a living providing financial advice. It will become an indispensable handbook for people working with clients across the wealth spectrum. “Finally, someone is willing to tackle the complex issue of client compliance and how change occurs in the area of personal and business finance. Written by an expert in the field of financial psychology, the book delivers humility, humor and wisdom. It guides the reader in learning how to close the gap between good intentions and actions." - Courtney Pullen, M.A., Author, Intentional Wealth "This is a great book! A worn and dog-eared copy belongs on the bookshelf of every financial advisor who views financial planning as a calling and a profession." - Rick Kahler, MSFP, CFP®, Author, Conscious Finance "Consumers know they need to do things differently with respect to their money, but are often dismayed or baffled by their own self-sabotaging habits. Financial professionals have not always known how to be helpful in creating lasting behaviour change. They’ve relied too much on the provision of information and the occasional stern lecture. This book will change all that. It is superbly written, and well-positioned to help a lot of people. - Kelley Keehn, Finance author & consumer advocate "Dr. Moira Somers has given professional advisors an inspired gift in Advice That Sticks. She shares dozens of adherence-boosting strategies, including outstanding recommended questions to ask clients. I love Somers’ delightfully dry humor, which sparkles throughout! This book’s insightful, disciplined, evidence-based process will enhance advisors’ effectiveness as advice-givers." - Kathleen Rehl, Ph.D., CFP®, CeFT®, Author, Moving Forward on Your Own "With this book, every financial professional has access to deeply practical advice on how to listen, observe and respond while helping clients make their best life and money decisions. This is the book that connects financial planners and wealth advisors with the human experience of decision-making, commitments and adaptation to change." - Susan Bradley, CFP®, Founder, Sudden Money Institute "Financial professionals need to understand their clients’ values, attitudes and beliefs about money, emotions, biases and social influences, and then connect with their clients with in a way that motivates and facilitates the right outcomes. This book highlights the importance of these skills along with Moira’s helpful insights and guidance for providing advice that sticks." - Joan Yudelson, CFP®, VP, Professional Practice, Financial Planning Standards Council

Learn what makes a client trust you to be their financial advisor.Put the power of story telling into selling financial products. The authors explain the process of making these intuitive connections, then translate their findings into understandable and practical strategies that any financial professional can use. They present actual stories, including many by Warren Buffet, one of the greatest storysellers of all time. These actual stories can help financial pros tap into the gut reaction of different types of clients. the book also includes special topics on communicating to women, the 50+ market, and the affluent.

Bring your financial planning to life by bringing life to your financial planning. Life-Centered Financial Planning: How to Deliver Value That Will Never Be Undervalued shows financial planners and advisors how to radically improve the service they provide to their clients by tying their decisions and strategies to their clients' life events, stages, and goals. Written by distinguished financial professionals Mitch Anthony and Paul Armson, Life-Centered Financial Planning provides readers with practical advice and concrete strategies to revolutionize their organization and client service by: · Focusing on what matters most to clients, rather than maximizing assets under management or pushing products · Understanding that a strong financial plan means more than simply accumulating as much money as possible · Building a business model that is good for everyone involved: the financial advisor, clients, and the organization · Moving from being a commodity to being your client's trusted advisor The book is perfect for any financial planner or advisor who wishes to adapt to the radical redefinition of financial services taking place today.

#1 NEW YORK TIMES, WALL STREET JOURNAL, USA TODAY, AND BUSINESSWEEK BESTSELLER—OVER 1.5 MILLION COPIES SOLD!David Bach’s no-budget, no-discipline, no-nonsense system to help you finish rich automatically, now expanded and updatedDo you want to live rich and retire richer? Rich enough to do what you want when you want to do it? Rich enough to stop worrying about money? Rich enough to make a difference and help others?With The Automatic Millionaire, David Bach presents an easy, realistic system, based on timeless principles, with everything you need to know so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home. All you have to do is follow his one-step program to financial security—the rest is automatic!This edition includes updated information on taxes, investments, technologies, and apps to automate your financial life as well as Bach’s latest systems for making the entire process even easier.

A completely revised and updated fourth edition of the New York Times bestseller, designed to guide younger adults through the world of personal finance.More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them? These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.It’s time for them to get a financial life.For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.

This is a simple, effective way to transform your finances and your life from leading financial advisor and new york times columnist carl richards. Creating a financial plan can seem overwhelmingbut the best plans aren't long or complicated. A great plan has nothing to do with the details of how to save and invest your money and everything to do with why you're doing it in the first place. Knowing what's important to you, you will be able to make better decisions in any market conditions. The one - page financial plan will help you identify your values and goals. Carl richard's simple steps will show you how to prioritize what you really want in life and figure out how to get there. "in a world where financial advice is (often purposely) complicated and filled with jargon, carl richards distils what matters most into something that is easy and fun to read. " (wall street journal). "feeling tormented by your finances? read this book. Now. The one - page financial plan helps you identify

As seen on the new NETFLIX series! The groundbreaking NEW YORK TIMES and WALL STREET JOURNAL BESTSELLER that taught a generation how to earn more, save more, and live a rich life—now in a revised 2nd edition.Buy as many lattes as you want. Choose the right accounts and investments so your money grows for you—automatically. Best of all, spend guilt-free on the things you love.Personal finance expert Ramit Sethi has been called a “wealth wizard” by Forbes and the “new guru on the block” by Fortune. Now he’s updated and expanded his modern money classic for a new age, delivering a simple, powerful, no-BS 6-week program that just works.I Will Teach You to Be Rich will show you:• How to crush your debt and student loans faster than you thought possible• How to set up no-fee, high-interest bank accounts that won’t gouge you for every penny• How Ramit automates his finances so his money goes exactly where he wants it to—and how you can do it too• How to talk your way out of late fees (with word-for-word scripts)• How to save hundreds or even thousands per month (and still buy what you love)• A set-it-and-forget-it investment strategy that’s dead simple and beats financial advisors at their own game• How to handle buying a car or a house, paying for a wedding, having kids, and other big expenses—stress free• The exact words to use to negotiate a big raise at workPlus, this 10th anniversary edition features over 80 new pages, including:• New tools• New insights on money and psychology• Amazing stories of how previous readers used the book to create their rich livesMaster your money—and then get on with your life.

"The authoritative source on one of history's most notorious Ponzi schemes." --Fortune The definitive, in-depth account of the spectacular rise and fall of Bernie Madoff--and the greatest Ponzi scheme of all time―featuring new, exclusive, never-before-published details from Madoff himself No name is more synonymous with the evils of Wall Street than Bernie Madoff. Arrested for fraud in 2008--during the depths of the global financial crisis--the 70-year-old market maker, investment advisor, and former chairman of the NASDAQ had orchestrated the largest Ponzi scheme in world history, fleecing thousands of investors across the globe to the tune of $65 billion. To this day, questions remain: Why did he do it? How did he get away with it for so long? What did his family know? Who is the elusive Bernie Madoff? In Madoff Talks, author Jim Campbell presents the most comprehensive, insider account of the Madoff saga to date. Based on exclusive interviews with all the players--the Madoff family and their associates, the Wall Street wheelers and dealers, the army of lawyers, analysts, and investigators, the victims of the scheme, and Bernie Madoff himself--the book reveals: what motivated a respected financier to commit such a massive fraud--and why he thought he could get away with it how Madoff managed to keep the scheme hidden in plain sight--despite numerous SEC investigations the shocking failures of Wall Street oversight--and how it could happen again the true scale of the investment losses―and the victims' ongoing fight for justice what Ruth Madoff and the rest of the family knew--and how it shattered their lives  Madoff Talks features the first, and likely only, interviews with Ruth Madoff and defense attorney Ira Sorkin, for which Bernie waived attorney-client privilege, as well as never-before-published details from the author's personal communications with Bernie Madoff in prison. A vivid, powerful piece of investigative reporting, the book takes us behind the headlines to show the full human cost of Madoff's crimes, and offers a cogent analysis of the reforms necessary to prevent it from happening again.  Meticulously researched and relentlessly riveting, Madoff Talks is the full story of an American tragedy.

This is a guide for anyone who wants to connect better with people in the workplace by speaking clearly and with purpose.\\nIt is a result of five years at Charlie Corbett’s consultancy, Bullfinch Media, where he helped convince executives that speaking plainly, thoughtfully, and behaving with humanity, is the best way to win business, boost morale and advance careers. It provides carefully detailed wisdom on how to write well, speak publicly and stand out in your job, as well as how to craft compelling communications, make the best of social media and handle the press.\nThe Art of Plain Speaking aims to improve the experience faced by many in the modern workplace, a world where senior management are entirely absent from the shop floor – replaced by indecipherable emails from HR – and where people speak in esoteric corporate riddles, believing that sounding clever is more productive than speaking clearly.

Dave Ramsey knows what it's like to have - and lose - it all. After falling so far into debt that he was forced to declare personal bankruptcy, Ramsey rebuilt his financial life. Now he offers his hard-won advice, and much-needed hope, to many Americans who find themselves in serious debt and desperate for a way out. There are no gimmicks or quick fixes to Ramsey's method of financial salvation. Instead he encourages you to take baby steps, set realistic goals, and seek the support of family and friends. Ramsey's advice is easy to follow, and, because he's been there, he doesn't talk down to you. His workbook format allows you to frequently monitor your progress and, most important, to face your situation honestly. Inside you'll find help on how to Asses the urgency of your situation Understand where your money's going Create a realistic budget Dump your debt Clean up your credit rating Like any regimen, achieving financial peace requires patience and hard work. But the benefits - even if they're only the ability to sleep at night, answer the telephone, and balance the checkbook without stress - are well worth the effort. And once you're back on your feet, you'll find information on how to grow your wealth, provide for a comfortable retirement, and leave a legacy of financial peace. Filled with inspirational insights that come from personal experience, The Financial Peace Planner may be the most valuable purchase you ever make.

A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold“The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It"This is a wonderful book. It can really change your life." -OprahFor more than twenty-five years, Your Money or Your Life has been considered the go-to book fortaking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to:• Get out of debt and develop savings• Save money through mindfulness and good habits, rather than strict budgeting• Declutter your life and live well for less• Invest your savings and begin creating wealth• Save the planet while saving money• …and so much more!"The seminal guide to the new morality of personal money management." -Los Angeles Times

Strategy Plain and Simple ’s uniquely powerful, successful and practical framework will show you how to quickly develop a strategy to get your business from where it is today to where you want it to be tomorrow. With vivid examples, practical solutions and a jargon-free approach, Vaughan Evans cuts to the very essence of what you need to know about strategy, simplifying it for anyone wanting to guide their business to success. He sets out a plain, simple, 3-step process: · Understand your market – how to forecast demand and supply. · Gain competitive advantage – how to target the strategic gap and bridge it. · Managing business risk – how to balance risk and opportunity. Read it in 60 minutes, follow the three steps and transform your business prospects. “This fast-moving book gives a proven, practical approach that you can apply immediately to start a successful business or build your current business into a lean, mean profit machine.” Brian Tracy, success guru, speaker and author of Now Build a Better Business! “A concise and compelling insight into strategy development, one of the key success factors in every business, large or small.” Mike Garland, former Partner and Head of Portfolio Group, Permira Advisers LLP "Bite-sized strategy for the small businessperson - crisp, concise and easily digested on one plane journey" David Williamson, Managing Partner, Nova Capital Management "Vaughan Evans does what he says on the tin - he Keeps It Simple, Successfully!" Stephen Lawrence, CEO, Protocol Education "Strategy in a nutshell, tailor-made for the small businessperson" James Pitt, Partner, Lexington Partners "A must-read for the small businessperson" Grahame Hughes, founding director, Haven Power “Short and sweet – this is strategy far removed from convoluted theory, ready to be applied to any small business to help it grow" Andrew Ferguson, Managing Director, Baird Capital At last! A book on business strategy I can read!" Fidelis Fernandez, small businessman

A Financial Times Book of the Month pick for April!Is it worth swimming in shark-infested waters to surf a 50-foot, career-record wave?Is it riskier to make an action movie or a horror movie?Should sex workers forfeit 50 percent of their income for added security or take a chance and keep the extra money?Most people wouldn't expect an economist to have an answer to these questions--or to other questions of daily life, such as who to date or how early to leave for the airport. But those people haven't met Allison Schrager, an economist and award-winning journalist who has spent her career examining how people manage risk in their lives and careers. Whether we realize it or not, we all take risks large and small every day. Even the most cautious among us cannot opt out--the question is always which risks to take, not whether to take them at all. What most of us don't know is how to measure those risks and maximize the chances of getting what we want out of life.In An Economist Walks into a Brothel, Schrager equips readers with five principles for dealing with risk, principles used by some of the world's most interesting risk takers. For instance, she interviews a professional poker player about how to stay rational when the stakes are high, a paparazzo in Manhattan about how to spot different kinds of risk, horse breeders in Kentucky about how to diversify risk and minimize losses, and a war general who led troops in Iraq about how to prepare for what we don't see coming.When you start to look at risky decisions through Schrager's new framework, you can increase the upside to any situation and better mitigate the downside.

What kind of shape is your portfolio in? The financial fallout of recent years was a game-changer for anyone and everyone preparing to retire in the near future. In order to build and maintain a solid portfolio in today’s roller-coaster investing climate, you have to be more alert, increasingly proactive, and better educated on the markets than ever before. In Financial Fitness Forever, Paul Merriman gives you a framework guaranteed to return even the most struggling portfolio to prime health. One of the nation’s most popular investment advisors, Merriman has you focus on five critical questions: Should I use a financial advisor or go it alone? Should I try to beat the market or accept the returns of the market? How should I manage risk? How should I diversify my investments? How should I insulate my investments from my emotions? If you don’t have solid, well-developed answers— including the whys, the hows, and the whens— based on sound investing principles, you need to review your current strategy. Financial Fitness Forever leads you through the process step-by-step. Merriman provides detailed answers to each question, all of which combine to form a powerful strategy that will ensure the kind of retirement you’re hoping for. Merriman doesn’t claim to have that “magic bullet” answer to supercharging profits in unpredictable markets. Instead, he provides a commonsense strategy anyone can use to secure their finances now and in the future. The economy is racing forward at breakneck speed, and no one knows where it will end up. Apply the lessons of Financial Fitness Forever to design a portfolio that will thrive in the long run.

From first-time newlyweds to people on their second or third marriage, couples face an overwhelming task when it comes to money management. Nationally renowned financial advisor and bestselling author David Bach knows that it doesn’t have to be this way. In Smart Couples Finish Rich, he provides couples with easy-to-use tools that cover everything from credit card management, to investment advice, to long-term care. You and your partner will learn how to work together as a team to identify your core values and dreams, creating a financial plan that will allow you to achieve security, provide for your family’s future financial needs, and increase your income. Together, you’ll learn why couples that plan their finances together, stay together!

A financial advisor recounts an interview with a recently retired physician who planned an enjoyable—and costly—retirement. The doctor wanted his entire portfolio in bonds, which was far too conservative to maintain the lifestyle he and his wife had planned. In the advisor’s words:""This fellow was a bit of a know-it-all, and I wasn’t getting through. Finally I asked him, 'Doctor, how will it feel for you when you have to go back to work?' That got his attention, and I was able to lay out a strategy that would allow him to retire and stay retired.""In Questions Great Financial Advisors Ask…and Investors Need to Know, coauthors Alan Parisse and David Richman have compiled the questions great advisors ask that lead to the probing and personal conversations necessary to diagnose and understand clients'—and potential clients'—deep-seated feelings about money. That’s how great advisors help clients wring the emotion out of investing and set them on the rational road to achieving their financial goals.Throughout this book are questions, suggestions, and stories from some of the world’s top financial advisors, including a chapter of ""great questions to ask"" organized by topic.

Where financial advisors go for answers--revised and updated to address consequential legal and economic changes \nFrom the oil crisis and stock market crash in the 1970s through deregulation into the 1990s to the 2008 financial crisis--every financial planner worth their salt turned to Victor Hallman and Jerry Rosenbloom's classic reference for answers. To maintain its iconic position in the industry, this bible of wealth development moves into its Ninth Edition to ensure today's professional investors and financial stewards have reliable guidance to the latest legislation, economic developments, and wealth management trends and techniques. This latest edition of Private Wealth Management provides everything you need to operate with sophistication and savvy in today's markets--from setting financial objectives and executing the planning process to investing in equities and fixed-income securities to retirement income planning to methods for lifetime wealth transfers, and more. Written for the serious practitioner, this one-of-a-kind guide gives you a solid foundation for planning a prosperous financial future in the real world, which means it makes you an expert in: \n\nMajor new tax legislation, including the "Tax Relief, Unemployment Insurance Reauthorization and Job Creation Act of 2010" and the "American Taxpayer Relief Act of 2012" \nA variety of economic benefits and investment products \nChanges in individual annuities and retirement products with an increased focus on retirement planning \nModifications to health and disability insurance \nThe Patient Protection and Affordable Care and Health Care Reconciliation Act of 2010 \nDodd-Frank Wall Street Reform and Consumer Protection Act of 2010 \nNew developments in estate and marital deduction planning such as "portability"\n\nThis completely updated edition remains a wealth-building and income management tool by presenting many useful strategies, including those for dealing with the current "super-low" interest rates. Private Wealth Management, Ninth Edition, is the cornerstone of financial planning.

Why is it that most of us feel we are not very good when it comes to money? Why do we feel dissatisfied and unfulfilled? We typically think that, in order to be successful and get nearer to financial independence, we need to accumulate more money. In fact, it may well be that we actually need to become more aware of what makes us happy. Then we may well find that financial independence and success moves nearer to where we currently are! This book presents an understanding of our finances that is defined not in terms of wealth or status, but by your happiness. Through a four-cornerstone approach, it provides practical advice on how to create a financial wellbeing plan that will help you to focus away from simply accumulating wealth, and instead focus on enjoying your life. The author leads the reader into understanding their own definition of success, what brings happiness and wellbeing, and the distractions and barriers that stops us from achieving wellbeing. Based on this insight into what we want from life, we can create a pathway to use money to increase our wellbeing and have a more healthy, fulfilling and enjoyable life.

The hidden key to a healthy relationship is not just managing money but understanding how the other approaches money. \nEvery couple argues about money. It doesn’t matter if you’ve been married for 40 years or dating for 4 months, money touches every decision you make as a couple―from the $5 cup of coffee to the $50,000 car. And when the two of you don’t see eye-to-eye on how much to spend or how much to save, that’s when arguments turn into ugly toxic fights that leave both persons feeling hurt and angry. It’s why money has become the #1 cause of divorce in the U.S. Obviously, something needs to change. The reason this crisis has not been addressed is because it has never been identified, defined, or given a name. Scott and Bethany Palmer, aka “The Money Couple,” have identified and defined this problem and offer concrete solutions to fix it.\nOnce you know your Money Personality, you can get to the root of money arguments and start really working together. You’ll discover what has an impact on your loved one’s money decisions, and you’ll learn how to talk about money in a way that’s actually fun! You’ll figure out how to put an end to money secrets and lies once and for all.\nIt’s not just about money management, and it’s definitely not just about overcoming debt. It is a whole new way of living that will change everything in your relationship. Tens of thousands have already been transformed. Are you ready?

“Jane Bryant Quinn is America’s dean of personal finance….The book is a true treasure chest of financial secrets.” —ForbesWith How to Make Your Money Last, you will learn how to turn your retirement savings into a steady paycheck that will last for life.Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years.You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money 10 and 20 years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide.

How does money figure into a happy life?In The Geometry of Wealth,behavioral finance expert Brian Portnoy delivers an inspired answer based on the idea that wealth, truly defined, is funded contentment. It is the ability to underwrite a meaningful life. This stands in stark contrast to angling to become rich, which is usually an unsatisfying treadmill.At the heart of this groundbreaking perspective,Portnoy takes readers on a journey toward wealth, informed by disciplines ranging from ancient history to modern neuroscience. He contends that tackling the big questions about a joyful life and tending to financial decisions are complementary, not separate, tasks. These big questions include:\nHow is the human brain wired for two distinct experiences of happiness? And why can money"buy" one but not the other?\nAre the touchstones of a meaningful life affordable?\nWhy is market savvy among the least important sources of wealth but self-awareness is among the most?\nCan we strike a balance between pushing for more and being content with enough?\nThis journey memorably contours along three basic shapes: A circle, triangle and square help us visualize how we adapt to evolving circumstances, set clear priorities, and find empowerment in simplicity. In this accessible and entertaining book, Portnoy reveals that true wealth is achievable for many -including those who despair it is out of reach - but only in the context of a life in which purpose and practice are thoughtfully calibrated.

Written in plain English, the latest updated, revised, and expanded edition of The Advisor’s Guide to Annuities covers both the technical details of how various types of annuities operate, as well as the broader questions about how and when they should be used in clients’ financial plans. No other resource provides such a deep and independent-minded look at the structure, costs, benefits, and risks that come with all types of annuities. This comprehensive, single-volume guide supplies: - Clear and concise descriptions of every type of annuity - In-depth discussions of the direct and secondary issues surrounding the use of annuities, including income and estate tax consequences as well as concerns for annuity owners and beneficiaries - Detailed explanations of annuity-specific terminology, which empowers advisors and clients to understand exactly how an annuity will function and enables comparison of similar products from different companies - Sound advice from industry-leading authors which helps advisors avoid common mistakes and ensures that the choices offered are truly in the best interests of clients Highlights of the 5th Edition: - Detailed discussion of qualified vs. nonqualified annuities - Exploration of planning opportunities presented by Deferred Income Annuities (DIAs) or “longevity annuities” and QLACs - In-depth discussion about the impact of the DOL Fiduciary Rule on advisors and consumers - Advice and analysis of the impact of partial withdrawals - Updated tax info, including info on QLACs - New material on “managed volatility” indices used in indexed annuities - New ways to use variable annuities as an investment vehicle, including new “fee only” variable annuities that can be sold under the Fiduciary Rule. Written by two of the foremost experts in this field, The Advisor’s Guide to Annuities, 5th Edition, is designed specifically to help you make the most of all the opportunities―and avoid complications―in this active and ever-changing area.

An updated and revised edition of the authoritative legal handbook on wills and estates (over forty thousand copies sold), now including a new section on trusts.The Complete Guide to Wills, Estates, and Trusts, Second Edition features extensively revised will and estate planning information and now details the most up-to-date laws and benefits for a wide variety of trusts, including educational trusts, medicaid trusts, asset protection trusts, and more. Providing clear explanations of legal terms and practices and many asset-saving tips highlighted by entertaining and illustrative stories, Alexander Bove tells readers how to:o Make a willo Settle an estate o Make a claim against an estateo Contest a willo Create a living trusto Avoid probate and taxesThis is the only legal guide readers will ever need to ensure that their money and holdings remain in the family.

Retirement is a once-in-a-lifetime opportunity to be yourself and do what you want to do. It offers new possibilities for personal growth through learning, retraining, travelling and friendship. But it is also one of the biggest transitions we face, and brings huge psychological and emotional challenges. It's not surprising that many people struggle with the adjustment to a different pace of life. \nNot Fade Away guides the reader through these challenges: dealing with the loss of status and routine, reinventing relationships, managing money, and above all, finding new meaning and purpose. It brings together expert advice and insights from people retiring now, who speak from the heart about the lessons they've learned and the new sources of fulfilment they've discovered. By cutting a clear path through the maze of choices on offer for people retiring today – which may or may not involve giving up work completely – Not Fade Away inspires you to make up your own mind and take control of your future. And that, experts agree, is the key to a good retirement.

In contrast to academic trust publications that focus on the ramifications of various trust terms and deep case law analysis, this new resource provides a refreshing alternative in the form of a succinctly written collection of chapters on trending topics in trust planning.

E-Myth \ 'e-,'mith\ n 1: the entrepreneurial myth: the myth that most people who start small businesses are entrepreneurs 2: the fatal assumption that an individual who understands the technical work of a business can successfully run a business that does that technical workVoted #1 business book by Inc. 500 CEOs.An instant classic, this revised and updated edition of the phenomenal bestseller dispels the myths about starting your own business. Small business consultant and author Michael E. Gerber, with sharp insight gained from years of experience, points out how common assumptions, expectations, and even technical expertise can get in the way of running a successful business.Gerber walks you through the steps in the life of a business—from entrepreneurial infancy through adolescent growing pains to the mature entrepreneurial perspective: the guiding light of all businesses that succeed—and shows how to apply the lessons of franchising to any business, whether or not it is a franchise. Most importantly, Gerber draws the vital, often overlooked distinction between working on your business and working in your business.The E-Myth Revisited will help you grow your business in a productive, assured way.

WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICKStop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide.Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material?- Managing student loans without having a full-on panic attack- What to do when you’re out with your crew and can’t afford to split the bill evenly- How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more.Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!

Everything You Need To Get Organized Do Your Loved Ones Know Where To Find Your Life Insurance Policies, Online Banking Passwords, Real Estate Deeds, Or Even Your Will? If You’re Like A Lot Of People, You Keep Important Information—from The Whereabouts Of Family Heirlooms To Online Passwords To Automatic Bill-pay Details—in Your Head Or Stashed In The Odd Desk Drawer. Unfortunately, This Disorganization Will Likely Cause Hassles For Those Who Someday Take Care Of You Or Your Estate. Get It Together Provides An Easy, Straightforward Method To Help You And Others Keep Track Of: Secured Places And Passwords Employment Records Insurance Policies Real Estate Records Tax Records Retirement Accounts Estate Planning Documents Funeral Arrangements Letters To Loved Ones We’ve Reorganized This 9th Edition To Make The Process More Straightforward. In The First Half, You’ll Find The Pages To Create Your Personal Planner. In The Second Half, You’ll Find Step-by-step Instructions And Helpful Resources. With Downloadable Forms: Organize Your Records Using Worksheets (details Inside). Save The Worksheets To Your Computer And Then Complete, Print, And Store Them At Your Convenience.

Life insurance remains one of the cornerstones of financial planning. If you provide life insurance planning to clients, or are looking to expand your business in this key area, this book is a must-have.

Cogent, comprehensive, and entertaining, joins the best yet written in the field!’ - Bill Bengen, the father of the ‘4% rule.’ 'An effervescent contribution to the growing decumulation literature.' - Gregg McClymont, Shadow Pensions Minister (2011-2015) ‘Abraham has done a great job exploring how the retirement research can be applied to UK retirees’ - Michael Kitces MSFS, CFP, Partner at Pinnacle Advisory Group Retirement income planning used to be so simple. Most people never had to worry about how to convert their retirement savings into income for the rest of their lives. Today's low annuity rates, closure of increasing numbers of defined benefit schemes and the Pension Freedoms, introduced by the UK Government in 2015, ripped up the retirement income planning rulebook. The book confronts the challenge of how to secure a sustainable income that lasts a lifetime from your portfolio. It delves into the detail of the various withdrawal strategies, asset allocation and the unavoidable question of how long before you pop your clogs. This book helps retirees and their advisers navigate the treacherous retirement income landscape, using sound empirical evidence and practical application.

LEARN THE STRATEGY I USE TO BEAT THE MARKET IN GOOD TIMES AND BAD… DEVELOPED OVER 35 YEARS AS A PROFESSIONAL INVESTOR In this must-read BOOK for prosperity-minded American investors, I will show you how to use the stock market to build Unstoppable Prosperity, including… My unique “3 Pillars for Success” that I use to weather any storm and beat the market in good times and bad. The critical differences between “traders” and “investors” and how to expertly use my 30-60-10 approach to strike the perfect balance between investing and trading. The vital first step you must take to make better investing decisions… by identifying what kind of investor you are based on previous wealth-limiting mistakes and your risk tolerance. Winning strategies for quickly building a vetted stock “Watch List” that will tell you what and when to buy so you strike at the best times. Little-known ways to pick winners by leveraging what you already know. The world around you is constantly giving you indicators about the stock market and my “inherent wisdom” principle helps unlock this hidden value. Put yourself in prime position to capitalize on “near-term pops” by simply reading societal trends and events that are sure to influence the market (big firms and Wall Street never miss these!) The #1 way to take advantage of inevitable market corrections, pullbacks and crashes just by knowing how to spot the concealed “warning signs” that can unlock great investing opportunities. (IMPORTANT: This has NOTHING to do with dangerously “guessing” the bottoms in market crashes). What to do to avoid the devastating “7 Rookie Mistakes Even Experience Traders Make” by catching yourself before you make them, saving your portfolio from potential disaster! The simple ways to harness your emotions and make “money in the mayhem” by making rational decisions when everyone around you is panicking and losing their collective minds. Skyrocketing your chances of finding your next “Grand Slam” investment cal

A primer for families of high net worth on how to manage their qualitative and financial wealth for generations The second edition of this foundational work, Complete Family Wealth: Wealth as Well-Being provides proven tools and best practices for families of means to use in maturing, maintaining, and managing personal and legacy wealth long into the future. The book is divided into three parts: the "what"--what is meant by family, wealth, and enterprise; the "who"--the persons crucial to family enterprise flourishing; and the "how"--specific practices families can use to enhance and grow family wealth. The second edition of this work places the health and well-being of the individual members of the family unit at the forefront of every aspect detailed within the book. A natural product of this focus is an increased awareness of the social complexities of wealth that have come to the fore in recent years, and the team of expert authors here address the responsibility of private wealth to the public good. In addition, Complete Family Wealth's second edition provides readers with: A new chapter on "the big reveal," suggesting ways to encourage positive, life-affirming reception of the revelation of present or future wealth An additional chapter on preserving the beloved family vacation home Two new appendices: "Fiduciary Course Curriculum," dedicated to enhancing the education of trustees and beneficiaries; and "Key Practices for Families During Challenging Times," a response to the pandemic but relevant to all trying periods for families Examples that make these practices accessible to a broad audience across the wealth spectrum. Having shaped the language used by families and their advisors with the first edition, Complete Family Wealth's second edition is essential reading for families of high net worth and their financial advisors. It will also be of interest to family offices, fund managers, as well as private investors.

The New York Times bestseller that is a must-read for any parent!From Beth Kobliner, the author of the bestselling personal finance bible Get a Financial Life—a new, must-have guide showing parents how to teach their children (from toddlers to young adults) to manage money in a smart way.Many of us think we can have the “money talk” when our kids are old enough to get it…which won’t be for years, right? But get this: Research shows that even preschoolers can understand basic money concepts, and a study from Cambridge University confirmed that basic money habits are formed by the age of seven. Oh, and research shows the number one influence on kids’ financial behaviors is mom and dad. Clearly, we can’t afford to wait.Make Your Kid a Money Genius (Even If You’re Not) is a jargon-free, step-by-step guide to help parents of all income levels teach their kids—from ages three to twenty-three—about money. It turns out the key to raising a money genius isn’t to teach that four quarters equal a dollar or how to pick a stock. Instead, it’s about instilling values that have been proven to make people successful—not just financially, but in life: delaying gratification, working hard, living within your means, getting a good education, and acting generously toward others. More specifically, you’ll learn why allowance isn’t the Holy Grail when teaching your kid to handle money, and why after-school jobs aren’t always the answer either. You’ll discover the right age to give your kid a credit card, and learn why doling out a wad of cash can actually be a good parenting move.You don’t need to be a money genius to make your kid a money genius. Regardless of your comfort level with finance—or your family’s income—this charming and fun book is an essential guide for passing along enduring financial principles, making your kids wise beyond their years—and peers—when it comes to money.

Sustainable investing is booming. The investment industry is fast approaching a point where one-third of global assets under management are invested with a sustainable objective.\\nBut do sustainable investment products do what investors expect them to do?\nHow can an investor tell if their investments are having the social impact they want?\nDoes that impact come at a financial cost?\nAnd how can investors weave their way through the web of confusing acronyms, conflicting agency ratings, and the mass of fund offerings, confident that they can recognize and avoid corporate greenwashing?\\nLarry Swedroe and Sam Adams cut through the fog and bring clarity on all of this and more―providing investors with a firm plan for truly sustainable investing.\\nThe authors first define sustainable investing, illuminating the differences between ESG, SRI and impact investing, and reveal who is currently investing sustainably and why.\\nThey then move on to a comprehensive review of the academic research. What does the data really say about risk and return in sustainable investing? What performance can you genuinely expect from sustainable investments? And how are today’s sustainable investors using their influence to drive positive changes for society and the environment?\\nFinally, this book arms you with a practical guide to investing sustainably, including how to effectively choose your asset allocation strategy, and select the managers and funds through which your money can create the change you want to see in the world.\\nYour Essential Guide to Sustainable Investing is the definitive go-to resource that investors have been waiting for.

The Richest Man in Babylon, based on "Babylonian parables", has been hailed as the greatest of all inspirational works on the subject of thrift, financial planning, and personal wealth. In simple language, these fascinating and informative stories set you on a sure path to prosperity and its accompanying joys. A celebrated bestseller, it offers an understanding and a solution to your personal financial problem. Revealed inside are the secrets to acquiring money, keeping money, and making money earn more money.This original edition has the original language, content, and message from George S. Clason as intended in 1926. It's all here, uncensored.

Everywhere We Turn, We Hear Negative Financial News—that The American Dream Is Dead Or That The Little Man Can’t Get Ahead. Our Culture Feeds Us The Lie That It’s Impossible To Become A Millionaire In America Today, But It’s Time You Heard The Truth. In His Newest Book, Everyday Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too, Chris Hogan Destroys Millionaire Myths That Are Keeping Everyday People From Achieving Financial Independence. Chris And The Ramsey Research Team Surveyed Over 10,000 Us Millionaires, Discovering How These High-net-worth People Reached Their Financial Status. And The Formula Might Surprise You. Millionaire Status Doesn’t Require Inheriting A Bunch Of Money Or Having A High-paying Job. No. The Path To Becoming A Millionaire Is Paved With More-ordinary Tools—tools That You Either Already Have Or That You Can Learn. If You Thought You Could Never Become A Millionaire, Think Again. Listen And Learn From Over 10,000 Everyday Millionaires Who Have Done It And Believe It’s Possible For You Too.

“In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffianThis book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear.Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical.“But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run.Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms.Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective.The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other.Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security. A Case Study on how this all can be implemented in real life. Don’t let any of this intimidate you. Those that have gone before you say:“….in his patented no-frills and often humorous style, JL makes it both approachable and simple. And powerful.”“…effective message told in a visual, funny style.”“…a refreshingly unique and approachable take on investing.”“JL Collins has the gift of making boring financial concepts funny and interesting.”“Instead of esoteric equations about measuring a stock's alpha and comparing it to its beta, he lights up the campfire and starts telling stories.”Enjoy the read, and the journey!

John C. Bogle shares his extensive insights on investing in mutual fundsSince the first edition of Common Sense on Mutual Funds was published in 1999, much has changed, and no one is more aware of this than mutual fund pioneer John Bogle. Now, in this completely updated Second Edition, Bogle returns to take another critical look at the mutual fund industry and help investors navigate their way through the staggering array of investment alternatives that are available to them.Written in a straightforward and accessible style, this reliable resource examines the fundamentals of mutual fund investing in today's turbulent market environment and offers timeless advice in building an investment portfolio. Along the way, Bogle shows you how simplicity and common sense invariably trump costly complexity, and how a low cost, broadly diversified portfolio is virtually assured of outperforming the vast majority of Wall Street professionals over the long-term. Written by respected mutual fund industry legend John C. Bogle Discusses the timeless fundamentals of investing that apply in any type of market Reflects on the structural and regulatory changes in the mutual fund industry Other titles by Bogle: The Little Book of Common Sense Investing and Enough.Securing your financial future has never seemed more difficult, but you'll be a better investor for having read the Second Edition of Common Sense on Mutual Funds.

NEW YORK TIMES BESTSELLERNew York Times bestselling author and legendary investment guru Ric Edelman reveals his forward-thinking guide on how technology and science will reshape the way we save, invest, and plan for the future.Technology and science are evolving at a blistering, almost incomprehensible pace.The Human Genome Project took eleven years and $2.7 billion dollars to complete. Today, it would take two days to finish, and cost less than getting a pizza delivered.It’s estimated that forty percent of the current Fortune 500 companies will no longer exist by 2025.In 2005, half a billion devices were connected to the Internet. By 2030, that number will reach one trillion.The traditional paradigms of how we live, learn, and invest are shifting under our feet. Ric Edelman has seen the future, and he explains how smart investors can adapt and thrive in today’s changing marketplace. Using the same prophetic insight that has made him an iconic financial advisor, Edelman offers sound, practical investment advice through the lens of recent scientific and technological advancements. He illustrates how discoveries in robotics, nanotechnology, 3D printing, solar energy, biotechnology, and medicine will redefine our life expectancies, careers, and retirements. As we live and work longer, Edelman provides clear advice on how to recalibrate the way we save for college, invest during our careers, and plan for retirement.The Truth About Your Future, featuring Edelman’s proven advice and trademark humor, is a timely, must-have guide for anyone serious about successfully adapting to the ever-evolving financial landscape.

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? Based on Dave Ramsey's New York Times best-selling book that has already helped millions of readers, this companion workbook will help you develop everyday money-saving and life-changing habits.Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook--packed with self-assessments and lined sections dedicated to note-taking--will give you the tools and the encouragement you need to: Unpack the lies you've been told about finances Pay off the debts that are weighing you down Start building your emergency fund Become financially healthy for lifeWith inspiring real-life stories and thought-provoking questions for reflection, this workbook is the reset you've been searching for.

The million-copy bestseller, revised and updated with new investment strategies for retirement and the insights of behavioral finance. Updated with a new chapter that draws on behavioral finance, the field that studies the psychology of investment decisions, here is the best-selling, authoritative, and gimmick-free guide to investing. Burton Malkiel evaluates the full range of investment opportunities, from stocks, bonds, and money markets to real estate investment trusts and insurance, home ownership, and tangible assets such as gold and collectibles. This edition includes new strategies for rearranging your portfolio for retirement, along with the book’s classic life-cycle guide to investing, which matches the needs of investors in any age bracket. A Random Walk Down Wall Street long ago established itself as a must-read, the first book to purchase before starting a portfolio. So whether you want to brief yourself on the ways of the market before talking to a broker or follow Malkiel’s easy steps to managing your own portfolio, this book remains the best investing guide money can buy.

*Major New York Times Bestseller*More than 2.6 million copies sold*One of The New York Times Book Review's ten best books of the year*Selected by The Wall Street Journal as one of the best nonfiction books of the year*Presidential Medal of Freedom Recipient*Daniel Kahneman's work with Amos Tversky is the subject of Michael Lewis's best-selling The Undoing Project: A Friendship That Changed Our MindsIn his mega bestseller, Thinking, Fast and Slow, Daniel Kahneman, world-famous psychologist and winner of the Nobel Prize in Economics, takes us on a groundbreaking tour of the mind and explains the two systems that drive the way we think.System 1 is fast, intuitive, and emotional; System 2 is slower, more deliberative, and more logical. The impact of overconfidence on corporate strategies, the difficulties of predicting what will make us happy in the future, the profound effect of cognitive biases on everything from playing the stock market to planning our next vacation―each of these can be understood only by knowing how the two systems shape our judgments and decisions.Engaging the reader in a lively conversation about how we think, Kahneman reveals where we can and cannot trust our intuitions and how we can tap into the benefits of slow thinking. He offers practical and enlightening insights into how choices are made in both our business and our personal lives―and how we can use different techniques to guard against the mental glitches that often get us into trouble. Topping bestseller lists for almost ten years, Thinking, Fast and Slow is a contemporary classic, an essential book that has changed the lives of millions of readers.

Build a successful investment portfolio that is right for you Smarter Investing introduces you to a simple and powerful set of rules for successful investing, helping you to build an investment portfolio that suits your needs, stays the course when markets get rough and quietly gets on with the job of generating better results.

"Once again, Mark and Rebecca have captured the essence of running an advisory firm. They articulate the importance of setting a clear strategic direction, driving superior execution across all aspects of operations and technology, and the importance of hiring, training, motivating, and rewarding the people who make it happen each and every day. Practice Made (More) Perfect is an excellent reference for any firm owner who is interested in transforming his/her firm from a practice into a business." —Charles GoLdman, industry executive "Mark, as usual, asks probing, if not disturbing, questions that will serve to demonstrate why active management is a requisite for sustaining value in your advisory business. With so much relevant content in this book, if you're not sure where to begin or how far to read—try starting with page 206: 'The Price of Indecision.' If that doesn't motivate action . . . it might be too late for you." —Matt Lynch, President and CEO, Capital Analysts "Mark is an industry leader, trusted advisor, and true friend. The ideals and concepts found in Practice Made (More) Perfect are the very same Mark shared with us as we were planning and building our business. Needless to say, we are thrilled to have his support, and we are constantly reminded of his sage advice, especially when our management team meets monthly to review our business goals and execution." —Steve Braverman, Managing Director, Pathstone Family Office "Thinking through all the options and ramifications of strategic business decisions can be daunting. However, reading Practice Made (More)Perfect is like having the ability to talk through these mission criticalissues with your own personal mentor. It is an essential companion for any owner or senior executive in a financial advisory practice." —Michael E. Goodman, President, Wealthstream Advisors, Inc. "Without a doubt, Mark and Rebecca understand the ongoing needs of the advisory community.?Practice Made (More) Perfect is a must-read for firms who want to build a viable, enduring advisory business." —Angela Herbers, President, Angela Herbers & Associates Inc.

In Psychology of Financial Planning: The Practitioner's Guide to Money and Behavior, distinguished authors Drs. Brad Klontz, CFP®, Charles Chaffin, and Ted Klontz deliver a comprehensive overview of the psychological factors that impact the financial planning client. Designed for both professional and academic audiences, Psychology of Financial Planning is written for those with 30 years in practice as well as those just beginning their journey. With a focus on how psychology can be applied to real-world financial planning scenarios, Psychology of Financial Planning provides a much-needed toolbox for practicing financial planners who know that understanding their client's psychology is critical to their ability to be effective. The Psychology of Financial Planning is also a much-needed resource for academic institutions who now need to educate their students in the CFP Board's newest category of learning objectives: psychology of financial planning.   Topics include: - Why we are bad with money - Client and planner attitudes, values, & biases - Financial flashpoints, money scripts, and financial behaviors - Behavioral finance - Sources of money conflict - Principles of counseling - Multicultural competence in financial planning - General principles of effective communication - Helping clients navigate crisis events - Assessment in financial planning - Ethical considerations in the psychology of financial planning - Getting clients to take action - Integrating financial psychology into the financial planning process  Psychology of Financial Planning goes beyond just theory to show how practitioners can use psychology to better serve their clients.  The accompanying workbook provides exercises, scripts, and workshop activities for firms and practitioners who are dedicated to engaging and implementing the content in meaningful ways.

Want to know where you can buy $100 iTunes gift cards for $85?Did you know you can pay your taxes by using a cash-back credit card?Why are you still paying $235 a year to rent your cable box?You're leaving money on the table every day, with every transaction you make: changing your oil, withdrawing ATM cash, booking flights, buying insurance, shopping for clothes, squirting toothpaste. But in Pogue's Basics: Money, the third book of this New York Times bestselling series, David Pogue proves that information is money. Each of his 150 simple tips and tricks includes a ballpark estimate of the money you could make or save. Okay, you won't use every tip in the book―but if you did, you'd come ahead by $61,195 a year.

Learn the basics of investing with this approachable guide to the world of financeClever Girl Finance: Learn How Investing Works, Grow Your Money is the leading guide for women who seek to learn the basic foundations of personal investing. In a no-nonsense and straightforward style, this book teaches readers: Exactly how investing works and what you should be doing, no fancy finance degree required How to leverage investing to build long term wealth even on a modest salary The key pitfalls to avoid in order to become a successful investor How to build a nest egg and invest in your future Insights from real-world success stories from other "clever girl investors"Clever Girl Finance teaches readers the irreplaceable value of investing for long-term financial gain, and the difference between making money and building wealth.Written for any woman who’s ever sought out an accessible introduction to the world of investing, this book is especially suited to women interested in learning how investing works and taking guided action towards their financial success.

From Cass R. Sunstein and Richard H. Thaler, winner of the 2017 Nobel Prize in Economics, Nudge is the book that changed the way we think about decision-making. Nudge is about choices—how we make them and how we can make better ones.Every day we make decisions: about the things that we buy or the meals we eat; about the investments we make or our children's health and education; even the causes that we champion or the planet itself. Unfortunately, we often choose poorly. We are all susceptible to biases that can lead us to make bad decisions.And, as Thaler and Sunstein show, no choice is ever presented to us in a neutral way. By knowing how people think, we can make it easier for them to choose what is best for them, their families and society. Using dozens of eye-opening examples and original research, the authors demonstrate how to nudge us in the right directions, without restricting our freedom of choice.

How Do You Build A Financial Advisory Business In Today’s Competitive And Often-saturated Markets? How Can You Break Through The Clutter, And Develop Strong And Lasting Client Relationships? We Believe It Can Be Done By Harnessing The Power Of Practice Management! The Power Of Practice Management Shows You The “how,” “why” And “what” Of Taking Your Business To The Next Level, Introducing You To Best Practices And The Thinking Behind Actions Of Some Of The Industry’s Top-quartile Firms. Author Matt Matrisian Leads You On A Journey Filled With Intriguing Ideas And Bottom-line Lessons That Teach You How To Work On Your Business, Not Just In It. Whether You’re The Head Of A Large Advisory Firm, Part Of A Small Practice Or Just Starting Out, You Will Discover A Roadmap For Turning Your Good Business Into A Better One. The Author Also Addresses: Making Business Strategy And Planning Part Of Your Defined Game Plan; Transforming Your Firm’s Vision And Goals To Build Your Business Capitalizing On Referral Sources And Centers Of Influence Your Personal Brand As A Product Of Intuitive Thinking And Much More. The Power Of Practice Management Teaches You How To Channel The Strength Of Your Business And Connect It To Your Clients’ Experiences. The Results Unlock The Secrets To Driving Customer Loyalty, Referral Revenue, And Business Prosperity. In The Process, You’ll Also Enhance Your Personal Brand – Allowing You The Opportunity For Business Prosperity.

Money is weird stuff. We cannot avoid it but it terrifies and mystifies. Most folks need help relating to it--and lots of it. Most especially, they need their own financial planner, someone who thoroughly understands money, what it is and how it works. Hence Financial Planning 3.0. Written eclectically, Financial Planning 3.0 looks at money and the financial planning profession from both the "outside in" and, perhaps more importantly, from the "inside out". It makes the case for looking at money from the perspectives of individuals and families. This is in stark contrast to money's public persona grounded in macroeconomics and investment theory. It suggests useful resources and tools for working with money helpfully, healthfully and joyfully. Finally, treating money as the most powerful and pervasive secular force on the planet and financial planning as the most important profession of the 21st century, it posits the new "liberal arts" based academic discipline of "Finology". Financial Planning 3.0 includes a proposed curriculum for an education in Finology including a "Finology Major's Handbook" together with portions of articles the author has written over the past 25 years. This book takes money out of the closet, applies a liberal arts approach to the financial planning profession and its garden of knowledge. It advances the evolution of this profession's work with money, the money forces and individuals with an eye to the future and respect for the past.

Tony Robbins turns to the topic that vexes us all: How to secure financial freedom for ourselves and for our families. “If there were a Pulitzer Prize for investment books, this one would win, hands down” (Forbes).Tony Robbins is one of the most revered writers and thinkers of our time. People from all over the world—from the disadvantaged to the well-heeled, from twenty-somethings to retirees—credit him for giving them the inspiration and the tools for transforming their lives. From diet and fitness, to business and leadership, to relationships and self-respect, Tony Robbins’s books have changed people in profound and lasting ways. Now, for the first time, he has assembled an invaluable “distillation of just about every good personal finance idea of the last forty years” (The New York Times).Based on extensive research and interviews with some of the most legendary investors at work today (John Bogle, Warren Buffett, Paul Tudor Jones, Ray Dalio, Carl Icahn, and many others), Tony Robbins has created a 7-step blueprint for securing financial freedom. With advice about taking control of your financial decisions, to setting up a savings and investing plan, to destroying myths about what it takes to save and invest, to setting up a “lifetime income plan,” the book brims with advice and practices for making the financial game not only winnable—but providing financial freedom for the rest of your life. “Put MONEY on your short list of new books to read…It’s that good” (Marketwatch.com).

New York Times bestseller — over 25 million copies sold\\nThe No. 1 Most Influential Business Book of the Twentieth Century “[Thirty] years after it first appeared, the wisdom of The 7 Habits is more relevant than ever. On an individual level people are burning out, and on a collective level we are burning up the planet. So Dr. Covey’s emphasis on self-renewal and his understanding that leadership and creativity require us to tap into our own physical, mental, and spiritual resources are exactly what we need now.” Arianna Huffington\\nOne of the most inspiring and impactful books ever written, The 7 Habits of Highly Effective People has captivated readers for nearly three decades. It has transformed the lives of presidents and CEOs, teachers and parents - millions of people of all ages and occupations. Now, this 30th anniversary edition of the timeless classic commemorates the wisdom of the 7 habits with modern additions from Sean Covey.\\nThe 7 habits have become famous and are integrated into everyday thinking by millions and millions of people. Why? Because they work!\\nWith Sean Covey’s added takeaways on how the habits can be used in our modern age, the wisdom of the 7 habits will be refreshed for a new generation of leaders.\\nThey include:\n Habit 1: Be Proactive\n Habit 2: Begin with the End in Mind\n Habit 3: Put First Things First\n Habit 4: Think Win/Win\n Habit 5: Seek First to Understand, Then to Be Understood\n Habit 6: Synergise\n Habit 7: Sharpen the Saw\\nThis beloved classic presents a principle-centered approach for solving both personal and professional problems. With penetrating insights and practical anecdotes, Stephen R. Covey reveals a step-by-step pathway for living with fairness, integrity, honesty, and human dignity - principles that give us the security to adapt to change and the wisdom and power to take advantage of the opportunities that change creates.\\nStephen R. Covey dedicated his life to demonstrating how a person can truly control their destiny with profound yet straightforward guidance. As an internationally respected leadership authority, family expert, teacher, organisational consultant, and author, his advice gives insight to millions. He sold more than 20 million books (in 40 languages), and\nThe 7 Habits of Highly Effective People was named the No. 1 Most Influential Business Book of the Twentieth Century. He was the author of\nThe 3rd Alternative,\nThe 8th Habit,\nThe Leader in Me,\nFirst Things First,\nPrinciple-Centered Leadership, and many other titles. He held an MBA from Harvard and a doctorate from Brigham Young University, USA. He was the cofounder of FranklinCovey, a leading global education and training firm with offices in 147 countries.\\nSean Covey is President of FranklinCovey Education and oversees all of Franklin Covey's International partnerships which cover over 140 countries. He is a\nNew York Times best-selling author and has written several books, including\nThe 6 Most Important Decisions You'll Ever Make,\nThe 7 Habits of Happy Kids, and\nThe 7 Habits of Highly Effective Teens, which has been translated into 20 languages and sold over 4 million copies worldwide.

Deena B. Katz, CFP, a preeminent authority on practice management and an internationally recognized financial adviser, presents a comprehensive guide to running a professional financial planning practice. To create this book, Katz updated, revised, and combined her two acclaimed books Deena Katz on Practice Management (1999) and Deena Katz's Tools and Templates for Your Practice (2001). In this newly expanded volume, she presents the essentials on how to help a practice thrive side by side with the tools and templates needed for the everyday operation of your firm. This new volume offers guidance on practice-management issues: setting up an office systems and technology administration and staffing marketing growing as the market changes hanging on to clients for the long term succession planning when the time comes This comprehensive resource provides sample forms, worksheets, templates, letters, brochures, and collateral materials developed and refined by top wealth managers and planners.  From keeping the business running well by designing dynamic collateral material, to considering plans for retirement, Deena B. Katz guides advisers through every challenge a financial planning business will face.

Two of the world's leading experts explain the vital link between health and wealth that could add years to your life and dollars to your retirement savings.All the money in the world doesn't mean a thing if we can't get out of bed. And the healthiest body in the world won't stay that way if we're frazzled about five figures worth of debt. Today Show financial expert Jean Chatzky and the Cleveland Clinic's chief wellness officer Dr. Michael Roizen explain the vital connection between health and wealth--giving readers all the tactics, strategies, and know-how to live longer, healthier, more lucrative lives.The same principles that allow us to achieve a better body will allow us to do the same for our investment portfolio. For instance, physical and financial stability comes down to the same equation: Inflow versus outflow. Do we burn more calories than we ingest? Likewise, are we making more money than we spend? The authors detail scientific ways to improve our behavior so that the answers tilt in the readers' favor. They also offer ways to beat the system by automating how we do things and limiting our decisions in the face of too much food or too much debt.Chatzky and Roizen provide a plan for both financial independence and biological strength with action steps to get you there.

The best financial planner Michelle Singletary ever knew was Big Mama, her grandmother. Big Mama raised Michelle and her four brothers and sisters on a salary that never reached more than $13,000 a year. Yet at her death, Big Mama owned her own home, had paid off a car loan, and had a beautiful collection of Sunday-go-to-meeting church hats and a savings account that supplemented her Social Security check and small pension. Most important, she had taught Michelle “7 Money Mantras for a Richer Life.” Those mantras serve as the inspiration for this straight-talking book of practical personal financial advice that really works.The 7 Money Mantras are:1. If it’ s on your ass, it’s not an asset!2. Is this a need or is it a want?3. Sweat the small stuff.4. Cash is better than credit.5. Keep it simple.6. Priorities lead to prosperity.7. Enough is enough.Michelle Singletary is a syndicated columnist for The Washington Post whose popular personal finance column appears in more than 120 newspapers. She’s also a mother of three children who understands what it’s like to live on a budget. In a plainspoken, sassy, no-nonsense voice, Michelle provides answers to the financial issues that confront almost every household: how to teach children the value of money; how to address money issues in a relationship or marriage; household saving tips; getting the best loans; and much more.“This book is about saving enough money to have choices,” she writes. “It’s about feeling free to be cheap if you can’t afford to buy a ton of gifts at Christmas. It’s about eliminating wasteful spend-ing so you can begin to save and invest. It’s full of uncommon commonsense lessons and guidance on the way people should use their money.”With humor and down-home financial wisdom, Michelle Singletary offers practical and realistic advice that will help you live well with the money you have.Michelle Singletary on . . .Romance and Money“It’s okay to say: ‘Honey, I love you and everything, but if you need money, ask your mama.’”Credit Cards“We are minimizing our financial potential by making minimum credit-card payments.”Car Buying“If you want to save money, keep your car until you’re on a first-name basis with the local tow-truck drivers.”Leasing a Car“You, too, can drive a car you can’t afford and then have to give it back. It’s crazy.”Gift Giving“Generosity isn’t about how much you spend. It’s about how much thought you put into the gift.”Penny Pinching“I once bought a stick-shift car because it was $1,000 cheaper than the automatic in the same model. There was just one little problem. I couldn’t drive a stick-shift. But at least I saved $1,000!”

New chapter by Soros on the secrets to his success along with a new Preface and Introduction.New Foreword by renowned economist Paul Volcker"An extraordinary . . . inside look into the decision-making process of the most successful money manager of our time. Fantastic."―The Wall Street JournalGeorge Soros is unquestionably one of the most powerful and profitable investors in the world today. Dubbed by BusinessWeek as "the Man who Moves Markets," Soros made a fortune competing with the British pound and remains active today in the global financial community. Now, in this special edition of the classic investment book, The Alchemy of Finance, Soros presents a theoretical and practical account of current financial trends and a new paradigm by which to understand the financial market today. This edition's expanded and revised Introduction details Soros's innovative investment practices along with his views of the world and world order. He also describes a new paradigm for the "theory of reflexivity" which underlies his unique investment strategies. Filled with expert advice and valuable business lessons, The Alchemy of Finance reveals the timeless principles of an investing legend.This special edition will feature a new chapter by Soros on the secrets of his success and a new Foreword by the Honorable Paul Volcker, former Chairman of the Federal Reserve.George Soros (New York, NY) is President of Soros Fund Management and Chief Investment Advisor to Quantum Fund N.V., a $12 billion international investment fund. Besides his numerous ventures in finance, Soros is also extremely active in the worlds of education, culture, and economic aid and development through his Open Society Fund and the Soros Foundation.

One of the "few great investment books" (Andrew Tobias) ever written.A Wall Street Journal Weekend Investor "Best Books for Investors" PickIn a time of market volatility and economic uncertainty, when high-frequency traders and hedge fund managers seem to tower over the average investor, Burton G. Malkiel's classic and gimmick-free investment guide is now more necessary than ever. Rather than tricks, what you'll find here is a time-tested and thoroughly research-based strategy for your portfolio. Whether you're considering your first 401(k) contribution or contemplating retirement, this fully updated edition of A Random Walk Down Wall Street should be the first book on your reading list.In A Random Walk Down Wall Street you'll learn the basic terminology of "The Street" and how to navigate it with the help of a user-friendly, long-range investment strategy that really works. Drawing on his own varied experience as an economist, financial adviser, and successful investor, Malkiel shows why, despite recent advice to the contrary from so-called experts in the wake of the financial crisis, an individual who buys over time and holds a low-cost, internationally diversified index of securities is still likely to exceed the performance of portfolios carefully picked by professionals using sophisticated analytical techniques. In this new edition, Malkiel has provided valuable new material throughout the book on exchange-traded funds and investment opportunities in emerging markets, and in a brand-new, timely chapter, Malkiel authoritatively assesses the pitfalls and prospects of the latest investing trend, "smart beta."On top of all this, the book's classic life-cycle guide to investing, which tailors strategies to investors of any age, will help you plan confidently for the future. You'll learn how to analyze the potential returns, not only for basic stocks and bonds but for the full range of investment opportunities―from money-market accounts and real estate investment trusts to insurance, home ownership, and tangible assets like gold and collectibles. Individual investors of every level of experience and risk tolerance will find throughout the book the critical facts and step-by-step guidance they need to protect and grow their hard-earned dollars.With the prevailing wisdom changing on an almost daily basis, Malkiel's reassuring and vastly informative volume remains the best investment guide money can buy.

How much money do you really need for the rest of your life? Research shows that the majority of people have no idea where they are heading financially. They may have assets, investments, and/or high levels of income, but most people have no idea what it all means, or what sort of financial future awaits them. What we all need to know is: "How much is ENOUGH? How much money do I need for the rest of my life?" This book helps you discover how much is enough - for YOU.   Having an insight into how much we actually need can be enlightening. It can put you in control. Knowing how much is ENOUGH will give you the freedom to live your life smarter. After all, life is not a rehearsal, it needs to be lived to the max.   Paul introduces you to the concept of Lifestyle Financial Planning - a way to help you find this freedom. Using simple step by step instructions this book will guide you through the process of developing your own financial plan.   Written in an inspiring, simple, non jargon style, you’ll find this book easy to read from cover to cover, and by the end of it you might know more about good financial planning than many financial advisers.

The irreverent guide to investing, Boglehead styleThe Boglehead's Guide to Investing is a DIY handbook that espouses the sage investment wisdom of John C. Bogle. This witty and wonderful book offers contrarian advice that provides the first step on the road to investment success, illustrating how relying on typical "common sense" promoted by Wall Street is destined to leave you poorer. This updated edition includes new information on backdoor Roth IRAs and ETFs as mainstream buy and hold investments, estate taxes and gifting, plus changes to the laws regarding Traditional and Roth IRAs, and 401k and 403b retirement plans. With warnings and principles both precisely accurate and grandly counterintuitive, the Boglehead authors show how beating the market is a zero-sum game.Investing can be simple, but it's certainly not simplistic. Over the course of twenty years, the followers of John C. Bogle have evolved from a loose association of investors to a major force with the largest and most active non-commercial financial forum on the Internet. The Boglehead's Guide to Investing brings that communication to you with comprehensive guidance to the investment prowess on display at Bogleheads.org. You'll learn how to craft your own investment strategy using the Bogle-proven methods that have worked for thousands of investors, and how to: Choose a sound financial lifestyle and diversify your portfolio Start early, invest regularly, and know what you're buying Preserve your buying power, keeping costs and taxes low Throw out the "good" advice promoted by Wall Street that leads to investment failureFinancial markets are essentially closed systems in which one's gain garners another's loss. Investors looking for a roadmap to successfully navigating these choppy waters long-term will find expert guidance, sound advice, and a little irreverent humor in The Boglehead's Guide to Investing.

Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly.It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage.There are no gimmicks, no magical thinking—just an easy-to-follow program that works.

Words of wisdom from the late Charlie Munger—Warren Buffett’s longtime business partner and the visionary Vice Chairman of Berkshire Hathaway—collected and interpreted with an eye towards investing by David Clark, coauthor of the bestselling Buffettology series.Born in Omaha, Nebraska in 1924, Charlie Munger studied mathematics at the University of Michigan, trained as a meteorologist at Cal Tech Pasadena while in the Army, and graduated magna cum laude from Harvard Law School without ever earning an undergraduate degree. Munger was one of America’s most successful investors, the Vice Chairman of Berkshire Hathaway, and Warren Buffett’s business partner for almost forty years. Buffett says “Berkshire has been built to Charlie’s blueprint. My role has been that of general contractor.” Munger was an intelligent, opinionated businessman whose ideas can teach professional and amateur investors how to be successful in finance and life.Like The Tao of Warren Buffett and The Tao of Te Ching, The Tao of Charlie Munger is a compendium of pithy quotes including, “Knowing what you don’t know is more useful than being brilliant” and “In my whole life, I have known no wise people who didn’t read all the time—none, zero.” This collection, culled from interviews, speeches, and questions and answers at the Berkshire Hathaway and Wesco annual meetings, offers insights into Munger’s amazing financial success and life philosophies. Described by Business Insider as “sharp in his wit and investing wisdom,” Charlie Munger’s investment tips, business philosophy, and rules for living are as unique, intelligent, and successful as he was.

*A Refinery29 Best Book of 2018**One of Real Simple's Most Inspiring Books for Graduates**Indie Personal Finance Bestseller*How to get good with money, even if you have no idea where to start.The Financial Diet is the personal finance book for people who don’t care about personal finance. Whether you’re in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn’t just about what you put in the bank. It’s about everything―from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary.The Financial Diet will teach you:• how to get good with money in a year.• the ingredients everyone needs to have a budget-friendly kitchen.• how to talk about awkward money stuff with your friends.• the best way to make (and stick to!) a budget.• how to take care of your house like a grown-up.• what the hell it means to invest (and how you can do it).

About the Author\\nLynda Gratton is Professor of Management Practice at the London Business School where she teaches an elective on the Future of Work and directs an executive program on Human Resource Strategy. Lynda is a fellow of the World Economic Forum, is ranked by Business Thinkers in the top 15 in the world, and was named the best teacher at London Business School in 2015.\\nAndrew J. Scott is Professor of Economics at the London Business School and consulting scholar at Stanford University's Center on Longevity, having previously held positions at Harvard and Oxford. Through his multi-award-winning research, writing and teaching, his ideas inform a global understanding of the profound shifts reshaping our world and the actions needed for us to flourish individually and as a society. Board member and advisor to a range of corporates and governments, he is co-founder of the Longevity Forum and a member of the advisory board of the Office for Budget Responsibility and the UK Cabinet Office Honours Committee. He lives in London.\\n*A new edition of the international bestseller (a #1 bestseller in Japan), featuring a new preface*\\nDoes the thought of working for 60 or 70 years fill you with dread? Or can you see the potential for a more stimulating future as a result of having so much extra time?\\nMany of us have been raised on the traditional notion of a three-stage approach to our working lives: education, followed by work and then retirement. But this well-established pathway is already beginning to collapse – life expectancy is rising, final-salary pensions are vanishing, and increasing numbers of people are juggling multiple careers. Whether you are 18, 45 or 60, you will need to do things very differently from previous generations and learn to structure your life in completely new ways.\\nThe 100-Year Life is here to help.\\nDrawing on the unique pairing of their experience in psychology and economics, Lynda Gratton and Andrew J. Scott offer a broad-ranging analysis as well as a raft of solutions, showing how to rethink your finances, your education, your career and your relationships and create a fulfilling 100-year life.\\n· How can you fashion a career and life path that defines you and your values and creates a shifting balance between work and leisure?\\n· What are the most effective ways of boosting your physical and mental health over a longer and more dynamic lifespan?\\n· How can you make the most of your intangible assets – such as family and friends – as you build a productive, longer life?\\n· In a multiple-stage life how can you learn to make the transitions that will be so crucial and experiment with new ways of living, working and learning?\\nShortlisted for the FT/McKinsey Business Book of the Year Award and featuring a new preface, The 100-Year Life is a wake-up call that describes what to expect and considers the choices and options that you will face. It is also fundamentally a call to action for individuals, politicians, firms and governments and offers the clearest demonstration that a 100-year life can be a wonderful and inspiring one.

The good news is that people today expect to live longer, healthier lives. The bad news is that many of us will not have enough money to retire comfortably. The solution to this problem is wise investment of the wealth we accumulate during our working lives, but the unfortunate truth is that when it comes to investment, many of us don't know where to start.Daniel Goldie and Gordon Murray aim to change the way we think about investing and influence the way we select financial advisors, invest our money and assess the results.In THE INVESTMENT ANSWER they provide readers with the necessary background to make the five key decisions that have a significant impact on the overall investment experience so that they will never again be afraid of financial markets or uncertain about what to do with their money.

Is it possible to be a conscientious citizen of the world and grow wealth? The author, a Buddhist and a financial planner, says yes and explains exactly how. Money drives many of our decisions. We all worry about earning it, spending it, and saving it — regardless of our income level or spiritual perspective. Yet few of us understand money’s true nature. Jonathan K. DeYoe helps you create a unique financial plan that is guided by your deepest beliefs, and shows you how to save, invest, pay off debt, and fund your retirement and dreams by building a lifetime income stream. With a foreword by Pulitzer Prize–winner Alice Walker, Mindful Money does all this while emphasizing that money is a tool you can use to support your lifestyle, reach your goals, and earn the “happiness dividend” everyone deserves.

“The Only Investment Guide You'll Ever Need . . . actually lives up to its name.” — Los Angeles Times“So full of tips and angles that only a booby or a billionaire could not benefit.” — New York TimesFor nearly forty years, The Only Investment Guide You'll Ever Need has been a favorite finance guide, earning the allegiance of more than a million readers across America. This completely updated edition will show you how to use your money to your best advantage in today's financial marketplace, no matter what your means.Using concise, witty, and truly understandable tips and explanations, Andrew Tobias delivers sensible advice and useful information on savings, investments, preparing for retirement, and much more.

How to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life -- interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support.World-class author and innovator Ernie J. Zelinski guides you to:Gain courage to take early retirement; in fact, the earlier the better. Put money in proper perspective so that you don't need a million dollars to retire. Generate purpose in your retirement life with meaningful creative pursuits. Follow your dreams instead of someone else's. Take charge of your mental, physical, and spiritual health. Better envision you retirement goals -- including where you want to live. Above all, make you retirement years the best time of your life.What sets this retirement book apart from all the others is its holistic approach to the fears, hopes, and dreams that people have about retirement. This international bestseller (over 110,000 copies sold in its first edition) goes way beyond the numbers that is often the main focus of retirement planning in most retirement books.There are many ingredients of a happy retirement and several retirement planning tools that help retirees plan for their retirement in new and more meaningful ways. One of the most powerful tools is The Get-a-Life Tree that you won't find in any other retirement books.In short, the retirement wisdom in this book will prove to be much more important than how much money you have saved. How to Retire Happy Wild, and Free helps readers create an active, satisfying, and happy retirement in a way such that they don't need a million dollars to retire.

“The newbie investor will not find a better guide to personal finance.”—Burton Malkiel, author of A RANDOM WALK DOWN WALL STREETTV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse.They’re wrong.When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral.Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.

Americans young and old are flunking their finances. A shocking 77 percent live paycheck to paycheck with no savings. And 43 percent of Americans have less than $10,000 saved for retirement, while 49 percent could cover less than one month's expenses if they lost their income. In the face of this bleak financial picture, bestselling author and finance expert Mary Hunt offers 7 Money Rules for Life®. This no-nonsense and encouraging book gives readers the keys to get their money under control and get prepared financially for the rest of their lives. In her warm and engaging style, Hunt takes everything that she's learned over the past twenty years and boils it all down. Presented in a conversational style and readable in a weekend, this book offers applications for each of the seven rules as well as practical advice for how to recover from past financial mistakes. These simple, unchanging, basic rules work in every financial situation, for every income level, and for every stage of life.Money mastery isn't really that hard. 7 Money Rules for Life® can help readers change their futures from uncertain to rock-solid with principles they can apply right away.

Praise for Ineffective Habits of Financial Advisors (and the Disciplines to Break Them): A Framework for Avoiding the Mistakes Everyone Else Makes "When Steve Moore talks about exceptional client experiences, his passion and purpose are inspiring. This engaging book provides a comprehensive playbook for a process that consistently delivers measurable results. Whether you're starting in the investment business or trying to take your practice to the next level, you have to read this book." —Cliff Russell, Vice President, Investment Advisor, TD Waterhouse Private Client Services, Saskatoon, Saskatchewan, Canada "I was angry with Steve the first day I met him because he made me confront the way I'd been doing things for fifteen years. Six years later, I can say it was exactly what I needed. Steve's insight and guidance have transformed the lives of my clients, family, and team. I will be forever grateful to Steve and the insight he offers in this transformational book." —Keith P. Spengel, CLU, CLTC, Wealth Management Advisor, Spengel Financial,Chicago, Illinois, USA "My company, The Savant Group, reached the billion dollar milestone on 9/30/2007, thanks in part to the tough advice Steve Moore provided us over the years. There are no excuses with Steve. He tells it like it is and, if you do what he says, amazingly the results come. Change is difficult for everyone, but based on Steve's commonsense approach, we found it necessary to get out of our 'comfort zone' and do the things he recommended. You should follow his advice; I pity you if you don't." —Tom Burkhart, founder and CEO, The Savant Group, San Francisco, California, USA "Working with Steve Moore over the last decade has created a fundamental shift, and improvement, in the way we do business. This book distills the wisdom Steve has gained from football, some 750+ consulting clients, and life into actionable steps that will improve your results—however you choose to define those results. Steve's clients get results. If you cannot hire him, read this book, follow its guidance, and you will achieve more—of whatever it is you want—than if you go it alone. To me, most business books have one or two good ideas stretched into book length. There is no wasted space here; the reader simply must respond to every idea, practice, and concept. If you disagree with what Steve says, you'd better be thinking deeply of the reasons why you don't want to follow his precepts." —Russell T. Hill, President/CEO , Halbert Hargrove, Fiduciary Investment Management, Long Beach, California, USA

Whether you have a financial advisor or are considering finding one, this guidebook, written by an expert in the field, will help you interpret the jargon and empower you to ask tough questions to protect your money now and in the future. ¶“Accessible and practical, this guide contains valuable tools for managing one’s personal finances for maximum results.”―Publishers Weekly (starred review) ¶ It seems like a foolproof decision: if you want to be smart about protecting and growing your wealth, you should seek guidance from a trained financial advisor. But, as CEO of the country’s largest provider of workplace financial wellness programs, author Liz Davidson has seen firsthand how that seemingly smart decision can go awry. Why? Because you can never blindly trust that your advisor has your best interests at heart. Drawing on her insider’s knowledge of how the financial advice profession really works, Davidson reveals how to judge whether an advisor is going to help or harm your savings. How should you decide if you really need an advisor? What financial moves can you make on your own? What questions should you ask before trusting an advisor with your money? What are the red flags you should run from? And what does all their jargon really mean? This friendly, no-nonsense guide is a must-read if you want to finally take control of your financial well-being, either with a financial advisor or without.

From the founder and superstar CEO of DailyWorth.com—the go-to financial site for women with more than one million subscribers—comes a fresh book that redefines the relationship between women, self-worth, and money. Worth It shows women how to view money as a source of personal power and freedom—and live life on their terms.Millions of women want to create financial stability and abundance in their lives, but they don’t know how. They are stuck in overwhelming confusion and guilt, driven by internalized “money stories” that have nothing to do with what is really possible. As the founder of DailyWorth.com, a financial media and education platform, Amanda Steinberg encounters these smart, ambitious women every day. With this book, she helps them face their money stories head on and wake up to the prosperity that awaits them.Worth It outlines the essential financial information women need—and everything the institutions and advisors don’t spell out. Steinberg gets to the bottom of why women are stressed and anxious when it comes to their finances and teaches them to stay away from strict budgeting and other harsh austerity practices. Instead, she makes money relatable, while sharing strategies she uses herself to build confidence and ease in her own financial life. Through her first-hand experiences and the stories from other women who’ve woken up, Steinberg’s powerful and encouraging advice can help women of any age and income view money as a source of freedom and independence—and create bright financial futures.

In the spirit of Wendy Mogel’s The Blessing of a Skinned Knee and Po Bronson and Ashley Merryman’s Nurture Shock, New York Times “Your Money” columnist Ron Lieber delivers a taboo-shattering manifesto that explains how talking openly to children about money can help parents raise modest, patient, grounded young adults who are financially wise beyond their years.For Ron Lieber, a personal finance columnist and father, good parenting means talking about money with our kids. Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values.Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic.But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.

A crash course in managing personal wealth and building a profitable portfolio—from stocks and bonds to IPOs and more!Too often, textbooks turn the noteworthy details of investing into tedious discourse that would put even Warren Buffett to sleep. Investing 101 cuts out the boring explanations, and instead provides a hands-on lesson that keeps you engaged as you learn how to build a portfolio and expand your savings. From value investing to short selling to risk tolerance, this primer is packed with hundreds of entertaining tidbits and concepts that you won't be able to get anywhere else.So whether you're looking to master the major principles of investing, or just want to learn more about stocks and bonds, Investing 101 has all the answers--even the ones you didn't know you were looking for.