Bestselling 5 Star Graduation Gift for both College and High School grads! Recommended by eBay, Forbes, Lifehack, Elite Daily, Real Simple and Bustle. Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management?Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader.Not only an excellent graduation gift for high school and college students but also a great read for any adult! ALSO AVAILABLE IN SPANISH - "POR QUE NO ME ENSENARON ESTO EN LA ESCUELA?"

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.

The Basics of Public Budgeting and Financial Management brings budgetary theory and practice together, filling the void between the two that has existed in the field of budgeting and public finance. This book bridges the gap by providing the reader with applications and exercises that reinforce budgetary theory. Students are given the opportunity to learn various concepts and skills necessary to succeed in the field and the exercises provided in each chapter require application of what is learned. Specifically, students will be exposed to basic budget and finance concepts, public revenue, financial management, risk assessment, cost benefit analysis, and so on. This handbook also provides great tools that allow the user to visually display budgets and other analysis. Students will gain the solid foundation needed to begin work in a budget office. Features of this second edition include enhanced data and optional in-class assignments. For ancillary materials, please contact the author at menifieldc@missouri.edu.

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!

“A riveting account that reaches beyond the market landscape to say something universal about risk and triumph, about hubris and failure.”—The New York TimesNAMED ONE OF THE BEST BOOKS OF THE YEAR BY BUSINESSWEEKIn this business classic—now with a new Afterword in which the author draws parallels to the recent financial crisis—Roger Lowenstein captures the gripping roller-coaster ride of Long-Term Capital Management. Drawing on confidential internal memos and interviews with dozens of key players, Lowenstein explains not just how the fund made and lost its money but also how the personalities of Long-Term’s partners, the arrogance of their mathematical certainties, and the culture of Wall Street itself contributed to both their rise and their fall.When it was founded in 1993, Long-Term was hailed as the most impressive hedge fund in history. But after four years in which the firm dazzled Wall Street as a $100 billion moneymaking juggernaut, it suddenly suffered catastrophic losses that jeopardized not only the biggest banks on Wall Street but the stability of the financial system itself. The dramatic story of Long-Term’s fall is now a chilling harbinger of the crisis that would strike all of Wall Street, from Lehman Brothers to AIG, a decade later. In his new Afterword, Lowenstein shows that LTCM’s implosion should be seen not as a one-off drama but as a template for market meltdowns in an age of instability—and as a wake-up call that Wall Street and government alike tragically ignored.Praise for When Genius Failed“[Roger] Lowenstein has written a squalid and fascinating tale of world-class greed and, above all, hubris.”—BusinessWeek“Compelling . . . The fund was long cloaked in secrecy, making the story of its rise . . . and its ultimate destruction that much more fascinating.”—The Washington Post“Story-telling journalism at its best.”—The Economist

The only text to strike a balance between solid financial theory and practical applications, Brigham/Ehrhardt's FINANCIAL MANAGEMENT: THEORY AND PRACTICE, 14e gives you a thorough understanding of the essential concepts you need to develop and implement effective financial strategies. The book begins with a presentation of corporate finance fundamentals before progressing to discussions of specific techniques used to maximize the value of a firm. It also explores the recent financial and economic crises and the role of finance in the business world. With its relevant and engaging presentation, numerous examples, and emphasis on Excel usage, this text serves as a complete reference tool for you in your academic or business career. Each new copy of Brigham/Ehrhardt's FINANCIAL MANAGEMENT: THEORY AND PRACTICE, 14e includes Thomson ONE Business School Edition, which gives you access to the same Thomson Reuters Financial database that business professionals use every day. It is also packed with additional learning solutions to help you to become First in Finance.

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.

*As featured on Live with Kelly and Ryan**A 2023 Business Insider Best Personal Finance Book - Teens and Gen Z*"Where was this book when we were teenagers?" - Real SimpleGet ready for graduation day and learn how to money in this in-depth, full-color illustrated guide to personal finance from New York Times bestselling author and expert Jean Chatzky, Kathryn Tuggle, and the team at HerMoney -- the perfect gift for high school and college graduates!There’s no getting around it. You need to know how to manage money to know how to manage life ― but most of us don’t! This full-color, illustrated guidebook from New York Times bestselling author and financial expert Jean Chatzky, Kathryn Tuggle, and their team at HerMoney breaks down the basics of money―how to earn it, manage it, and use it―giving you all the tools you need to take charge and be fearless with personal finance.Featuring exclusive HerMoney interviews with CEOs, activists, and many more, How to Money will teach you the ins and outs of:-creating a budget (and sticking to it)-scoring that first job (and what that paycheck means)-navigating college loans (and avoiding student debt)-getting that first credit card (and what “credit” is)-investing like a pro (and why it’s important!)All so you can earn more, save smart, invest wisely, borrow only when you have to, and enjoy everything you've got!

Winner of the 2020 Financial Times and McKinsey Business Book of the Year Award * Named “Best Book of the Year” by Fortune, The Financial Times, The Economist, Inc. Magazine, and NPRIn this “sequel to The Social Network” (The New York Times), award-winning reporter Sarah Frier reveals the never-before-told story of how Instagram became the most culturally defining app of the decade.“The most enrapturing book about Silicon Valley drama since Hatching Twitter” (Fortune), No Filter “pairs phenomenal in-depth reporting with explosive storytelling that gets to the heart of how Instagram has shaped our lives, whether you use the app or not” (The New York Times).In 2010, Kevin Systrom and Mike Krieger released a photo-sharing app called Instagram, with one simple but irresistible feature: it would make anything you captured look more beautiful. The cofounders cultivated a community of photographers and artisans around the app, and it quickly went mainstream. In less than two years, it caught Facebook’s attention: Mark Zuckerberg bought the company for a historic $1 billion when Instagram had only thirteen employees.That might have been the end of a classic success story. But the cofounders stayed on, trying to maintain Instagram’s beauty, brand, and cachet, considering their app a separate company within the social networking giant. They urged their employees to make changes only when necessary, resisting Facebook’s grow-at-all-costs philosophy in favor of a strategy that highlighted creativity and celebrity. Just as Instagram was about to reach a billion users, Facebook’s CEO Mark Zuckerberg—once supportive of the founders’ autonomy—began to feel threatened by Instagram’s success.Frier draws on unprecedented access—from the founders of Instagram, as well as employees, executives, and competitors; Anna Wintour of Vogue; Kris Jenner of the Kardashian-Jenner empire; and a plethora of influencers worldwide—to show how Instagram has fundamentally changed the way we show, eat, travel, and communicate, all while fighting to preserve the values which contributed to the company’s success. “Deeply reported and beautifully written” (Nick Bilton, Vanity Fair), No Filter examines how Instagram’s dominance acts as a lens into our society today, highlighting our fraught relationship with technology, our desire for perfection, and the battle within tech for its most valuable commodity: our attention.

The perfect gift! Give the gift of financial literacy to your teen - they will thank you for a lifetime. You are not alone; it is often difficult to reach young adults on the topic of money management, but look no further. I Want More Pizza finally has teenagers excited about personal finance and is giving them the confidence that they can succeed. This resource is being used in classrooms around the nation as young adults enjoy the pizza model for learning about money management. Now available for the first time for you to bring into your home, give your young adult the gift of financial literacy and they will thank you for a lifetime. Primary topics discussed include saving, spending, prioritization, goal setting, compound growth, investing, debt, credit cards, student loans, mental blocks, and taking real world action.I am sure you have heard a few of these: "I don't need it", "I'm too young", "I need to spend my money on _____ ", and the list goes on. The pizza model for learning personal finance breaks down those barriers because, well, everyone loves pizza! Just because money management is extremely important doesn't mean that it has to be extremely complex. I Want More Pizza leaves them in complete control to find the plan that works for your young adult - it's their choice. If they don't enjoy math or don't like to plan, no problem, we've got them covered as well. And it's only ~100 pages, which young adults love given their busy social calendars. Money doesn't have to be stressful. Finally reach your young adult and help them become financially literate for a lifetime. After all, there is a lot of pizza in life to enjoy!

It's been nearly 25 years since Robert Kiyosaki’s Rich Dad Poor Dad first made waves in the Personal Finance arena.It has since become the #1 Personal Finance book of all time... translated into dozens of languages and sold around the world.Rich Dad Poor Dad is Robert's story of growing up with two dads — his real father and the father of his best friend, his rich dad — and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.20 Years... 20/20 HindsightIn the 20th Anniversary Edition of this classic, Robert offers an update on what we’ve seen over the past 20 years related to money, investing, and the global economy. Sidebars throughout the book will take readers “fast forward” — from 1997 to today — as Robert assesses how the principles taught by his rich dad have stood the test of time.In many ways, the messages of Rich Dad Poor Dad, messages that were criticized and challenged two decades ago, are more meaningful, relevant and important today than they were 20 years ago.As always, readers can expect that Robert will be candid, insightful... and continue to rock more than a few boats in his retrospective.Will there be a few surprises? Count on it.Rich Dad Poor Dad...• Explodes the myth that you need to earn a high income to become rich• Challenges the belief that your house is an asset• Shows parents why they can't rely on the school system to teach their kidsabout money• Defines once and for all an asset and a liability• Teaches you what to teach your kids about money for their future financial success.

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!

Understand Bitcoin, Blockchains, and Cryptocurrency“Antony helps us all clearly understand the mechanics of bitcoin and blockchain.” ―Rob Findlay, Founder, Next Money#1 Best Seller in Investing Derivatives and Natural Resource Extraction Industry, Futures Trading, Banks & Banking, Energy & Mining, Monetary Policy, and Computers & TechnologyThere’s a lot written on cryptocurrency and blockchains. But, for the uninitiated, most of this information can be indecipherable. The Basics of Bitcoins and Blockchains provides a clear guide to this new currency and the revolutionary technology that powers it.Bitcoin, Ethereum, and other cryptocurrencies. Gain an understanding of a broad spectrum of Bitcoin topics including the history of Bitcoin, the Bitcoin blockchain, and Bitcoin buying, selling, and mining. Learn how payments are made, and how to put a value on cryptocurrencies and digital tokens.Blockchain technology. What exactly is a blockchain, how does it work, and why is it important? The Basics of Bitcoins and Blockchains answers these questions and more. Learn about notable blockchain platforms, smart contracts, and other important facets of blockchains and their function in the changing cyber-economy.Things to know before buying cryptocurrencies. Find trustworthy and balanced insights into Bitcoin investing and investing in other cryptocurrency. Discover the risks and mitigations, learn how to identify scams, and understand cryptocurrency exchanges, digital wallets, and regulations.Learn about: Blockchain technology and how it works Workings of the cryptocurrency market Evolution and potential impacts of Bitcoin and blockchains on global businessesYou’ve read books such as Blockchain Bubble or Revolution, Cryptoassets, Blockchain Technology Explained, Blockchain Revolution, The Bitcoin Standard, Mastering Bitcoin, or Bitcoin For Dummies, but to really understand the technology read The Basics of Bitcoins and Blockchains.

Managers are constantly expected to make decisions that reflect a full understanding of the financial consequences. In the absence of formal training, few people are prepared for the responsibilities of dealing with management reports, budgets, and capital proposals, and find themselves embarrassed by their lack of understanding.This book is a practical guide to understanding and managing financial responsibilities. Each chapter examines actual tasks managers have to do, from how to assemble a budget,” ”how to read variances on a report,” ”how to construct a proposal to invest in new equipment,” exploring the range of principles that can be applied to each task, illustrating practical ways these principles are used, and providing guidance for implementationThe Economist Guide to Financial Management will help the reader understand financial jargon, financial statements, management accounts, performance measures, budgeting, costing, pricing, decision-making and investment appraisal. This second edition has been fully revised and expanded with detailed examples from 100 leading businesses around the world.

Discover the secrets to financial prosperity in The Richest Man In Babylon by George S. Clason. This timeless guide shares timeless principles of wealth creation, offering practical advice through engaging stories set in ancient Babylon.Enduring guide to financial wisdom! Classic guide to personal finance and wealth accumulation Ancient Babylonian parables that resonate with modern readers Learn the principles of saving, investing, and acquiring wealth Practical financial wisdom for individuals of all income levels Time-tested strategies for financial independence and success

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?

The best investment guide money can buy, with over 1.5 million copies sold, now fully revised and updated. In today’s daunting investment landscape, the need for Burton G. Malkiel’s reassuring, authoritative, and perennially best-selling guide to investing is stronger than ever. A Random Walk Down Wall Street has long been established as the first book to purchase when starting a portfolio. This new edition features fresh material on exchange-traded funds and investment opportunities in emerging markets; a brand-new chapter on “smart beta” funds, the newest marketing gimmick of the investment management industry; and a new supplement that tackles the increasingly complex world of derivatives.

The only text to strike a balance between solid financial theory and practical applications, Brigham/Ehrhardt's FINANCIAL MANAGEMENT: THEORY AND PRACTICE, 15e gives you a thorough understanding of the essential concepts you need to develop and implement effective financial strategies. The book begins with a presentation of corporate finance fundamentals before progressing to discussions of specific techniques used to maximize the value of a firm. It also explores the recent financial and economic crises and the role of finance in the business world. With its relevant and engaging presentation, numerous examples, and emphasis on Excel usage, this text serves as a complete reference tool for you in your academic or business career. The 15th edition is also available with MindTap Finance to help you to become First in Finance.

#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.

****Small trim size that fits in your pocket****You’re never too young to learn the language of money… and the lessons that rich dad taught Robert. Like it or not, money is a part of our everyday lives and the more we understand it, the better the chance that we can learn to have our money work hard for us—instead of working hard for money all our lives. That starts with learning the language of money.This book, created from the international bestseller Rich Dad Poor Dad, shares Robert’s inspiring person story but teaches how to make smart choices. Packed with straight talk, sidebars, and quizzes, this book will jumpstart a child’s personal and financial success by teaching: How to speak the language of money, ways to make money work for you, tips for success (including: “Work to learn, not to earn.”), and why games can help you understand money, investing, and ways to choose your best path to financial freedom.

From pandemics to recessions, bear markets to energy crises, life is full of financial setbacks. The hard truth is that it’s not a matter of if there will be another economic downturn, but when. The important question to ask is this: how do you prevent a crisis from turning into a full-blown catastrophe?Drawing on years of experience as an award-winning personal finance columnist, Michelle Singletary shares her expert advice for weathering a financial storm. In this book, she answers the most pressing questions that crop up when money suddenly becomes scarce, like: What bills need to be paid first? When is it right to dip into savings? What are the best ways to cut back on spending? How do you keep from panicking when the stock market is down? Is this “opportunity” a scam in disguise? This hands-on guide covers debt concerns, credit card issues, cash-flow problems, and dozens of other common financial matters. Whether you’re in the midst of one crisis or preparing for the next, this book provides the tools to secure your wealth and your future.

INTERNATIONAL BESTSELLER • Far more than a history of the Silk Roads, this book is truly a revelatory new history of the world, promising to destabilize notions of where we come from and where we are headed next."A rare book that makes you question your assumptions about the world.” —The Wall Street JournalFrom the Middle East and its political instability to China and its economic rise, the vast region stretching eastward from the Balkans across the steppe and South Asia has been thrust into the global spotlight in recent years. Frankopan teaches us that to understand what is at stake for the cities and nations built on these intricate trade routes, we must first understand their astounding pasts.Frankopan realigns our understanding of the world, pointing us eastward. It was on the Silk Roads that East and West first encountered each other through trade and conquest, leading to the spread of ideas, cultures and religions. From the rise and fall of empires to the spread of Buddhism and the advent of Christianity and Islam, right up to the great wars of the twentieth century—this book shows how the fate of the West has always been inextricably linked to the East.Also available: The New Silk Roads, a timely exploration of the dramatic and profound changes our world is undergoing right now—as seen from the perspective of the rising powers of the East.

Paying for college shouldn't be harder than going to college! PAY LESS FOR COLLEGE: The Must-Have Guide to Affording Your Degree, 2023 Edition gives you the power to: Navigate financial aid with confidence Take control of college costs Maximize the free money (grants and scholarships) awarded by the college Save tens of thousands of dollars The 2023 Edition is fully updated for the 2023-24 school year and includes a chapter that prepares you for the big changes coming to the FAFSA and college financial aid in the 2024-25 school year.Authors Elizabeth Walter and Debra Thro were concerned about the abundance of confusing, conflicting, and misleading college financial aid information that exists, how stressful college financial planning can be, and how so many families are blindsided by the amount of money they must come up with when college financial aid letters arrive. There had to be a better way.After extensive research, Walter and Thro sifted out the most meaningful, relevant, and often overlooked college financial aid information that is invaluable to college-bound families. This eye-opening, no-nonsense book is packed with user-friendly guidance and reveals a host of strategies that you can use to save real money on overall college costs.

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

Whenever I tell people about my job as a financial advisor, the conversation inevitably turns to how hopeless they feel when it comes to dealing with money. More than once, they’ve begged, “Just tell me what to do.”It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right.The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you.By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them.The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen.But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.

The World Of Finance Can Be A Minefield For The Unwary. Without Training, Very Few Managers Are Prepared For The Challenges Of Dealing With Management Reports, Budgets And Capital Proposals, And Find Themselves Embarrassed By Their Lack Of Understanding. This Classic Book, Now In Its Third Edition, Supplies A Step-by-step Guide To The Whole Territory: 'how To Assemble A Budget', 'how To Read Variances On A Report', 'how To Construct A Proposal To Invest In New Equipment'. By Examining The Actual Things That Managers Have To Do, Each Chapter Explores The Range Of Principles That Can Be Applied, Illustrates Practical Techniques And Provides General Guidance. The Book Will Help The Reader Understand Financial Jargon, Financial Statements, Management Accounts, Performance Measures, Budgeting, Costing, Pricing, Decision-making And Investment Appraisal. New Material Brings This Edition Up To Date With Chapters On Crowdfunding And The Influence Of Global Uncertainty On The Best-laid Financial Plans.

A detailed guide to overcoming the most frequently encountered psychological pitfalls of investingBias, emotion, and overconfidence are just three of the many behavioral traits that can lead investors to lose money or achieve lower returns. Behavioral finance, which recognizes that there is a psychological element to all investor decision-making, can help you overcome this obstacle.In The Little Book of Behavioral Investing, expert James Montier takes you through some of the most important behavioral challenges faced by investors. Montier reveals the most common psychological barriers, clearly showing how emotion, overconfidence, and a multitude of other behavioral traits, can affect investment decision-making. Offers time-tested ways to identify and avoid the pitfalls of investor bias Author James Montier is one of the world's foremost behavioral analysts Discusses how to learn from our investment mistakes instead of repeating them Explores the behavioral principles that will allow you to maintain a successful investment portfolioWritten in a straightforward and accessible style, The Little Book of Behavioral Investing will enable you to identify and eliminate behavioral traits that can hinder your investment endeavors and show you how to go about achieving superior returns in the process.Praise for The Little Book Of Behavioral Investing"The Little Book of Behavioral Investing is an important book for anyone who is interested in understanding the ways that human nature and financial markets interact."―Dan Ariely, James B. Duke Professor of Behavioral Economics, Duke University, and author of Predictably Irrational"In investing, success means¿being on the right side of most trades. No book provides a better starting point toward that goal than this one."―Bruce Greenwald, Robert Heilbrunn Professor of Finance and Asset Management, Columbia Business School"'Know thyself.' Overcoming human instinct is key to becoming a better investor.¿ You would be irrational if you did not read this book."―Edward Bonham-Carter, Chief Executive and Chief Investment Officer, Jupiter Asset Management"There is not an investor anywhere who wouldn't profit from reading this book."―Jeff Hochman, Director of Technical Strategy, Fidelity Investment Services Limited"James Montier gives us a very accessible version of why we as investors are so predictably irrational, and a guide to help us channel our 'Inner Spock' to make better investment decisions. Bravo!"―John Mauldin, President, Millennium Wave Investments

For courses in financial management.\\nUsing Tools, Making Connections, and Studying for Success in Finance\nFinancial Management: Core Concepts is the ideal source material for non-finance majors seeking to learn the key elements of financial operations. The text focuses on the students’ ability to understand complex financial concepts by centering its material around three major learning skills: using tools, making connections, and studying for success. Students are encouraged to start by mastering the major concepts of finance, and then to test their knowledge by forging connections between ideas and applying them to real world situations.\\nThe Third Edition contains the most up-to-date information in financial concepts, as well as enhanced and expanded versions of existing subject matter. Financial Management makes the topic of finance interesting and accessible to non-finance majors by relating it to their own personal expenditures and exploring the importance of this field across all disciplines.\\nMyFinanceLab® is not included. Students, if MyFinanceLab is a recommended/mandatory component of the course, please ask your instructor for the correct ISBN. MyFinanceLab should only be purchased when required by an instructor. Instructors, contact your Pearson representative for more information.\\nMyFinanceLab is an online homework, tutorial, and assessment product designed to personalize learning and improve results. With a wide range of interactive, engaging, and assignable activities, students are encouraged to actively learn and retain tough course concepts.

The landmark, prize-winning, international bestselling examination of how a gender gap in data perpetuates bias and disadvantages women.#1 International Bestseller * Winner of the Financial Times and McKinsey Business Book of the Year Award * Winner of the Royal Society Science Book PrizeData is fundamental to the modern world. From economic development to health care to education and public policy, we rely on numbers to allocate resources and make crucial decisions. But because so much data fails to take into account gender, because it treats men as the default and women as atypical, bias and discrimination are baked into our systems.And women pay tremendous costs for this insidious bias: in time, in money, and often with their lives.Celebrated feminist advocate Caroline Criado Perez investigates this shocking root cause of gender inequality in Invisible Women. Examining the home, the workplace, the public square, the doctor’s office, and more, Criado Perez unearths a dangerous pattern in data and its consequences on women’s lives.Product designers use a “one-size-fits-all” approach to everything from pianos to cell phones to voice recognition software, when in fact this approach is designed to fit men. Cities prioritize men’s needs when designing public transportation, roads, and even snow removal, neglecting to consider women’s safety or unique responsibilities and travel patterns. And in medical research, women have largely been excluded from studies and textbooks, leaving them chronically misunderstood, mistreated, and misdiagnosed.Built on hundreds of studies in the United States, in the United Kingdom, and around the world, and written with energy, wit, and sparkling intelligence, this is a groundbreaking, highly readable exposé that will change the way you look at the world.

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.

“Want to better manage your money? This book will show you how...It simply delivers a tough topic in graphically appealing, digestible bites.” —The Washington PostBalance your budget, plan for your future, and breeze through confusing details with this easy-to-follow illustrated personal finance guide.Get your finances in shape! In The Infographic Guide to Personal Finance, you will learn all the skills you need to make good financial decisions and grow your personal wealth. Full of colorful descriptions organized in an easy-to-read format, this book contains infographics such as:-Choosing your bank-Building an emergency fund-Choosing a financial planner-Where your money is going-What not to buy-Health insurance-Property insurance-What federal taxes pay forWith the help of this guide, you’ll learn how to make good investments, save for big things like a house or college tuition, budget, and more!

In The Meaningful Money Handbook, personal finance expert and podcaster extraordinaire Pete Matthew guides you through everything you need to KNOW and everything you need to DO to build a secure financial future for yourself and your family.This is achievable for everyone by following three simple steps:1. Spend less than you earn and clear debt.2. Insure against disaster.3. Build up your savings and invest wisely.You will learn:• How to get out of debt as quickly as possible.• Techniques for good financial control, so you can avoid getting into debt again.• The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster.• How to save and invest simply and efficiently so that you can work your way towards future financial freedom.No matter your starting position, or your existing level of comfort with dealing with your money, Pete Matthew’s calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path.The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life.Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money today.

The personally revealing and complete biography of the man known everywhere as “The Oracle of Omaha”—for fans of the HBO documentary Becoming Warren BuffettHere is the book recounting the life and times of one of the most respected men in the world, Warren Buffett. The legendary Omaha investor has never written a memoir, but now he has allowed one writer, Alice Schroeder, unprecedented access to explore directly with him and with those closest to him his work, opinions, struggles, triumphs, follies, and wisdom.Although the media track him constantly, Buffett himself has never told his full life story. His reality is private, especially by celebrity standards. Indeed, while the homespun persona that the public sees is true as far as it goes, it goes only so far. Warren Buffett is an array of paradoxes. He set out to prove that nice guys can finish first. Over the years he treated his investors as partners, acted as their steward, and championed honesty as an investor, CEO, board member, essayist, and speaker. At the same time he became the world’s richest man, all from the modest Omaha headquarters of his company Berkshire Hathaway. None of this fits the term “simple.”When Alice Schroeder met Warren Buffett she was an insurance industry analyst and a gifted writer known for her keen perception and business acumen. Her writings on finance impressed him, and as she came to know him she realized that while much had been written on the subject of his investing style, no one had moved beyond that to explore his larger philosophy, which is bound up in a complex personality and the details of his life. Out of this came his decision to cooperate with her on the book about himself that he would never write.Never before has Buffett spent countless hours responding to a writer’s questions, talking, giving complete access to his wife, children, friends, and business associates—opening his files, recalling his childhood. It was an act of courage, as The Snowball makes immensely clear. Being human, his own life, like most lives, has been a mix of strengths and frailties. Yet notable though his wealth may be, Buffett’s legacy will not be his ranking on the scorecard of wealth; it will be his principles and ideas that have enriched people’s lives. This book tells you why Warren Buffett is the most fascinating American success story of our time.Praise for The Snowball“Even people who don't care a whit about business will be intrigued by this portrait. . . . Schroeder, a former insurance-industry analyst, spent years interviewing Buffett, and the result is a side of the Oracle of Omaha that has rarely been seen.”—Time“Will mesmerize anyone interested in who Mr. Buffett is or how he got that way. The Snowball tells a fascinating story.”—New York Times“If the replication of any great achievement first requires knowledge of how it was done, then The Snowball, the most detailed glimpse inside Warren Buffett and his world that we likely will ever get, should become a Bible for capitalists.”—Washington Post“Riveting and encyclopedic.”—Wall Street Journal“A monumental biography . . . Schroeder got the best access yet of any Buffett biographer. . . . She deals out marvelously funny and poignant stories about Buffett and the conglomerate he runs, Berkshire Hathaway.”—Forbes“The most authoritative portrait of one of the most important American investors of our time.”—Los Angeles Times

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

From the Financial Times's global finance correspondent, the incredible true story of the iconoclastic geeks who defied conventional wisdom and endured Wall Street's scorn to launch the index fund revolution, democratizing investing and saving hundreds of billions of dollars in fees that would have otherwise lined fat cats' pockets.Fifty years ago, the Manhattan Project of money management was quietly assembled in the financial industry's backwaters, unified by the heretical idea that even many of the world's finest investors couldn't beat the market in the long run.The motley crew of nerds—including economist wunderkind Gene Fama, humiliated industry executive Jack Bogle, bull-headed and computer-obsessive John McQuown, and avuncular former WWII submariner Nate Most—succeeded beyond their wildest dreams. Passive investing now accounts for more than $20 trillion, equal to the entire gross domestic product of the US, and is today a force reshaping markets, finance and even capitalism itself in myriad subtle but pivotal ways.Yet even some fans of index funds and ETFs are growing perturbed that their swelling heft is destabilizing markets, wrecking the investment industry and leading to an unwelcome concentration of power in fewer and fewer hands.In Trillions, Financial Times journalist Robin Wigglesworth unveils the vivid secret history of an invention Wall Street wishes was never created, bringing to life the characters behind its birth, growth, and evolution into a world-conquering phenomenon. This engrossing narrative is essential reading for anyone who wants to understand modern finance—and one of the most pressing financial uncertainties of our time.

*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.

The definitive book on Warren Buffett's views on everything from investing to management, this is the classic curated collection of his famous shareholder letters, masterfully arranged according to topic by long-time Buffett expert, Lawrence Cunningham.

“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!

“Connie Bruck traces the rise of this empire with vivid metaphors and with a smooth command of high finance’s terminology.” —The New York Times“The Predators’ Ball is dirty dancing downtown.” —New York NewsdayFrom bestselling author Connie Bruck,The Predators’ Ball dramatically captures American business history in the making, uncovering the philosophy of greed that dominated Wall Street in the 1980s.During the 1980s, Michael Milken at Drexel Burnham Lambert was the Billionaire Junk Bond King. He invented such things as “the highly confident letter” (“I’m highly confident that I can raise the money you need to buy company X”) and the “blind pool” (“Here’s a billion dollars: let us help you buy a company”), and he financed the biggest corporate raiders—men like Carl Icahn and Ronald Perelman. And then, on September 7, 1988, things changed...The Securities and Exchange Commission charged Milken and Drexel Burnham Lambert with insider trading and stock fraud. Waiting in the wings was the US District Attorney, who wanted to file criminal and racketeering charges.What motivated Milken in his drive for power and money? Did Drexel Burnham Lambert condone the breaking of laws?

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.

“A cheerful manifesto on removing obstacles between yourself and the income of your dreams.” —New York MagazineFrom the #1 New York Times bestselling author of You Are a Badass®, a life-changing guide to making the kind of money you’ve only ever dreamed of.You Are a Badass at Making Money will launch you past the fears and stumbling blocks that have kept financial success beyond your reach. Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, aha concepts that unlock earning potential and get real results.Learn to:• Uncover what's holding you back from making money• Give your doubts, fears, and excuses the heave-ho• Relate to money in a new (and lucrative) way• Shake up the cocktail of creation• Tap into your natural ability to grow rich• Shape your reality—stop playing victim to circumstance• Get as wealthy as you wanna be“This book truly crystallizes the concept that financial abundance is an inside job—in that it all begins with your mindset—and Sincero gets serious (in the funniest ways possible) about helping you identify your particular limiting beliefs surrounding money.” —PopSugar