Best Personal Finance

Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.

Tim Ferriss, the #1 New York Times best-selling author of The 4-Hour Workweek , shares the ultimate choose-your-own-adventure book—a compilation of tools, tactics, and habits from 130+ of the world's top performers. From iconic entrepreneurs to elite athletes, from artists to billionaire investors, their short profiles can help you answer life's most challenging questions, achieve extraordinary results, and transform your life. To find answers, I reached out to the most impressive world-class performers in the world, ranging from wunderkinds in their 20s to icons in their 70s and 80s. This book, Tribe of Mentors , includes many of the people I grew up viewing as idols or demi-gods. • Why tennis champion Maria Sharapova believe that “losing makes you think in ways victories can’t.”. • How to truly achieve work-life balance (and why most people tell you it isn’t realistic). This reference book, which I wrote for myself, has already changed my life. TIM FERRISS has been called “a cross between Jack Welch and a Buddhist monk” by The New York Times .

Ray Dalio, one of the world’s most successful investors and entrepreneurs, shares the unconventional principles that he’s developed, refined, and used over the past forty years to create unique results in both life and business—and which any person or organization can adopt to help achieve their goals. Along the way, Dalio discovered a set of unique principles that have led to Bridgewater’s exceptionally effective culture, which he describes as “an idea meritocracy that strives to achieve meaningful work and meaningful relationships through radical transparency.” It is these principles, and not anything special about Dalio—who grew up an ordinary kid in a middle-class Long Island neighborhood—that he believes are the reason behind his success. It is a deeply personal story, with Mr. Dalio wading into how he started his firm in 1975, internal conflicts inside the company, and strife early on in his career. Underneath what may seem like a clinical, emotionless approach is something different and far more poignant: Mr. Dalio is preaching for individuals to have a sense of humility and introspection, an ability to open themselves to appreciate pointed criticism and use it to improve.” — The New York Times. “Ray Dalio’s market acumen is legendary, but it was creating and living by a set of principles that allowed him to reach the top. “It’s important and instructive to share what you’ve learned in life with others, and Ray does this in an interesting and provocative way in this compelling work.” —Jamie Dimon. “The billionaire investor has created the strongest culture I’ve ever seen in an organization—one that prizes radical transparency over politics and meritocracy over democracy.

Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.

Quite simply, college is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. Drawing on an unprecedented study of 3,000 young adults who entered public colleges and universities in Wisconsin in 2008 with the support of federal aid and Pell Grants, Goldrick-Rab reveals the devastating effect of these shortfalls. (John Warner Chicago Tribune ). "Ultimately, though, Goldrick-Rab argues that we need a new system, 'a Financial Aid 2.0 that is based on accessible and affordable high-quality public higher education.'. Tennessee already offers tuition-free community college to all, and other states are considering similar programs, so this final recommendation provides a glimmer of hope that investing in our own young people is something a divided nation might eventually agree on. (Diane Ravitch). “A hardworking group of young Americans is struggling with regular hunger, periodic homelessness, constant stress, and unrelenting exhaustion—all this while trying to master organic chemistry, business accounting, and British literature. Through rigorous research and careful analysis, Sara Goldrick-Rab shows how the American Dream is structurally compromised by the exorbitant costs of higher education and a thoroughly dysfunctional financial aid system. (Marc Lamont Hill, author of Nobody: Casualties of America's War on the Vulnerable, From Ferguson to Flint and Beyond). " Paying the Price is a must-read not only for policymakers but also for anyone wanting a better grasp of our nation's college financial aid system. What started out as the promise to enable hardworking students to achieve their hopes of living the American Dream by improving their lot through higher education has morphed over the past five decades into an unwieldy system betraying that very ideal at huge costs to society. We must act now so that the 45 million young people who will turn 18 in the next 10 years don’t face the tough choices that 75 percent of Americans currently confront when they come to grips with the fact that they can’t afford college." The students she profiles through her research represent thousands of individuals who pursue a degree in pursuit of social mobility and the American Dream, only to find themselves unable to make ends meet and often drowning in debt. Goldrick-Rab's scholarship fills a critical void in our conversations about the realities of financial aid policy in the face of rapidly rising tuition and important poignant reminder of the ongoing negative impact of state appropriation reductions in this era."

Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.

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. 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. 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. Ernie is the author of the international bestsellers "The Joy of Not Working" (over 250,000 copies sold and published in seventeen languages) and "How to Retire Happy, Wild, and Free" (over 175,000 copies sold and published in nine languages), two life-changing books that have helped hundreds of thousands of individuals around the world live happier and more satisying lives. Ernie's latest books include the inspirational novel "Look Ma, Life's Easy: How Ordinary People Attain Extraordinary Success and Remarkable Prosperity" and its companion "Life's Secret Handbook: Reminders for Adventurous Souls Who Want to Make a Big Difference in This World".

Understanding Business by Nickels, McHugh, and McHugh has been the number one textbook in the introduction to business market for several editions for three reasons: (1) The commitment and dedication of an author team that teaches this course and believes in the importance and power of this learning experience, (2) we listen to our customers, and (3) the quality of our supplements package. He has written a marketing communications text and two marketing principles texts in addition to many articles in business publications.

Now authors. Steven D. Levitt and Stephen J. Dubner return with more iconoclastic insights and observations in SuperFreakonomics —the long awaited follow-up to their New York Times Notable blockbuster. The New York Times best-selling Freakonomics was a worldwide sensation, selling over four million copies in thirty-five languages and changing the way we look at the world. Now, Steven D. Levitt and Stephen J. Dubner return with SuperFreakonomics, and fans and newcomers alike will find that the freakquel is even bolder, funnier, and more surprising than the first. Levitt and Dubner mix smart thinking and great storytelling like no one else, whether investigating a solution to global warming or explaining why the price of oral sex has fallen so drastically. By examining how people respond to incentives, they show the world for what it really is – good, bad, ugly, and, in the final analysis, super freaky. The spread of cable and satellite television. C. Projects that pay women to not abort female babies. D. Condoms made specially for the Indian market Question 2: 3 points. Among Chicago street prostitutes, which night of the week is the most profitable? A. Saturday. B. Monday. C. Wednesday. D. Friday Question 3: 5 points. You land in an emergency room with a serious condition and your fate lies in the hands of the doctor you draw. Is female. C. Gets high ratings from peers. D. Spends more money on treatment Question 4: 3 points. Which cancer is chemotherapy more likely to be effective for? A. Public-awareness campaigns to discourage consumption. B. Cap-and-trade agreements on carbon emissions. C. Volcanic explosions. D. Planting lots of trees Question 9: 5 points. In the 19th century, one of the gravest threats of childbearing was puerperal fever, which was often fatal to mother and child. C. The psychological effects of the attacks caused people to cut back on their consumption of alcohol, which led to a decrease in traffic accidents. D. The increase in border security was a boon to some California farmers, who, as Mexican and Canadian imports declined, sold so much marijuana that it became one of the states most valuable crops. While Friday nights are the busiest, the single greatest determinant of a prostitute’s price is the specific trick she is hired to perform. Expensive medical procedures, while technologically dazzling, are responsible for a remarkably small share of the improvement in heart disease. Question 7. B, Shifting less than one day per week’s worth of calories from red meat and dairy products to chicken, fish, eggs, or a vegetable-based diet achieves more greenhouse-gas reduction than buying all locally sourced food, according to a recent study by Christopher Weber and H. Scott Matthews, two Carnegie Mellon researchers. Every time a Prius or other hybrid owner drives to the grocery store, she may be cancelling out its emissions-reducing benefit, at least if she shops in the meat section. Emission from cows, as well as sheep and other ruminants, are 25 times more potent as a greenhouse gas than the carbon dioxide released by cars and humans.

Three concepts that drive production Economic, organizational, and lead generation models that are the foundations of any high-achiever's business How to "Earn a Million," "Net a Million," and "Receive a Million" in annual income. "Hundreds of people who have attended The Millionaire Real Estate Agent seminars have all asked Dave and me the same thing—when will The Millionaire Real Estate Agent be available in audiobook form?"

Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a “Backdoor Roth IRA” and “Stealth IRA” to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation. “Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research.” – William J. Bernstein, MD , Author of The Investor’s Manifesto and seven other investing books. As a medical resident, he grew tired of being ripped off by unscrupulous financial professionals including mutual fund salesmen, insurance agents, realtors, mortgage lenders, and stock brokers and began educating himself on the ins and outs of personal finance and investing. Now he shares his wisdom with medical students, residents, physicians, dentists and similar high income professionals so they can free themselves from debt, quit worrying about money, build wealth, live “the good life,” and get back to practicing medicine on their own terms.

While preserving the integrity of Graham's original text, this revised edition includes updated commentary by noted financial journalist Jason Zweig, whose perspective incorporates the realities of today's market, draws parallels between Graham's examples and today's financial headlines, and gives readers a more thorough understanding of how to apply Graham's principles. Among the library of investment books promising no-fail strategies for riches, Benjamin Graham's classic, The Intelligent Investor , offers no guarantees or gimmicks but overflows with the wisdom at the core of all good portfolio management. Graham's sage advice, analytical guides, and cautionary tales are still valid for the contemporary investor, and Zweig's commentaries demonstrate the relevance of Graham's principles in light of 1990s and early twenty-first century market trends.

To help people uncover their talents, Gallup introduced the first version of its online assessment, StrengthsFinder, in 2001 which ignited a global conversation and helped millions to discover their top five talents. * A new and upgraded edition of the StrengthsFinder assessment. * A personalized Strengths Discovery and Action-Planning Guide for applying your strengths in the next week, month, and year. * A more customized version of your top five theme report. * 50 Ideas for Action (10 strategies for building on each of your top five themes). Those who are familiar with the StrengthsFinder assessment know that it is designed to uncover certain key talents -- patterns of thought, feeling, and behavior that can be productively applied. Those talents, when multiplied by the investment of time spent practicing, developing skills, and building knowledge, can become strengths. But some of it seems counterintuitive and runs directly against conventional wisdom: No amount of training will help you excel in your areas of weakness. StrengthsFinder has resonated with the business community because there's a direct link between talent development and performance. In this interview, Tom Rath, author of StrengthsFinder 2.0, discusses what Gallup scientists have learned since the publication of the first book, what more there is to discover about your talents, and why it's bad to focus on your employees' weaknesses, but simply cruel to ignore them completely. Tom Rath: StrengthsFinder 2.0 is an effort to get the core message and language out to a much broader audience. We had no idea how well received the first strengths book would be by general readers -- it was oriented more toward managers -- or that the energy and excitement would continue to grow. We also added more than five thousand Strengths Insights to version 2.0 that allow us to offer more individualized theme descriptions than we could before. But in the last ten years, we've also found that it's a good strategy just to wipe out the extreme negativity in the workplace. You may not take someone who's actively disengaged and make him into your most engaged employee, but it will help get him out of that mindset where he's scaring off colleagues and customers. GMJ: So is that the business case to be made for putting people in roles that play to their strengths? [Taking] StrengthsFinder is just a starting point; it's step one of a hundred in figuring out the areas where you have the most potential for growth. So while we have hundreds of new case studies and meta-analyses about strengths -- and about employee engagement and business outcomes -- we tried to stay as close as we could to the basics. Rath: Yes, we looked at that extensively as we started to review our plan for the updated version of the assessment. We found that so far, the thirty-four themes have done a good job of describing much of what we've learned since releasing the first version of the assessment.

That's what New York Times bestselling author Michael Hyatt and executive coach Daniel Harkavy show us how to do: to design a life with the end in mind, determining in advance the outcomes we desire and path to get there. New York Times bestselling author Michael Hyatt and executive coach Daniel Harkavy have both lived the very same story but they rewrote the ending. In this step-by-step guide, Hyatt and Harkavy share simple but proven principles to help you stop drifting, design a Life Plan with the end in mind, and chart a path that will take you there. Daniel Harkavy has been coaching business leaders to peak levels of success, performance, profitability, and fulfillment for more than twenty-five years. He lives just outside Portland, Oregon, with his wife and actively serves his community as a member of nonprofit boards and a mentor to those seeking leadership advice.

Three concepts that drive production Economic, organizational, and lead generation models that are the foundations of any high-achiever's business How to "Earn a Million," "Net a Million," and "Receive a Million" in annual income. "Hundreds of people who have attended The Millionaire Real Estate Agent seminars have all asked Dave and me the same thing—when will The Millionaire Real Estate Agent be available in audiobook form?"

How can good companies, mediocre companies, even bad companies achieve enduring greatness? The Standards: Using tough benchmarks, Collins and his research team identified a set of elite companies that made the leap to great results and sustained those results for at least fifteen years. The Comparisons: The research team contrasted the good-to-great companies with a carefully selected set of comparison companies that failed to make the leap from good to great. Why did one set of companies become truly great performers while the other set remained only good? At the heart of the findings about these companies' stellar successes is what Collins calls the Hedgehog Concept, a product or service that leads a company to outshine all worldwide competitors, that drives a company's economic engine and that a company is passionate about.

Willink and Babin returned home from deployment and instituted SEAL leadership training to pass on their harsh lessons learned in combat to help forge the next generation of SEAL leaders. Detailing the mindset and principles that enable SEAL units to accomplish the most difficult combat missions, Extreme Ownership demonstrates how to apply them to any team or organization, in any leadership environment. Riveting, engaging, and free from the usual cliché platitudes, this book is strikingly impactful and will dramatically improve leaders of all types.” ― Amy Brandt Schumacher, entrepreneur, executive, and philanthropist. An inspiring and page-turning read, the leadership lessons are easy to digest and implement. This book made me a better leader and enabled my entire team step up our game!” ― Jared Hamilton, founder and CEO, DrivingSales "One of the best books on leadership I've ever read and a tremendous war story book as well."

But Steven D. Levitt is not a typical economist. “Principles of economics are used to examine daily life in this fun read.” (People: Great Reads). “Levitt dissects complex real-world phenomena, e.g. baby-naming patterns and Sumo wrestling, with an economist’s laser.” (San Diego Union-Tribune). This is bracing fun of the highest order.” (Kurt Andersen, host of public radio's Studio 360 and author of Turn of the Century). “Freakonomics challenges conventional wisdom and makes for fun reading.” (Book Sense Picks and Notables). “Economics is not widely considered to be one of the sexier sciences.... Steven D. Levitt will change some minds.” (Amazon.com).

モノには「気」が存在しています。散らかった部屋は落ち着かない、観葉植物があるとほっとするなど、至る所で実は「気」を感じることが出来ます。. 「気」が良い、ということはあなた自身の感覚です。「気」は心が決めていることなのです。心を整理すると、気が良くなるのです。そうして、夢の実現に近づくことが出来ます。. 本書では認知科学者の苫米地英人（とまべちひでと）が気を良くして、夢の実現をする具体的な方法を「75」のトピックにまとめてわかりやすく説明しています。. 読むと意外と簡単に部屋の整理が出来てしまうことに気付くでしょう。. 部屋を片付けて、夢を実現、なるほどと思うでしょう。. 夢の実現がなかなか出来ない人、そもそも夢が無い人、ステップアップして、是非「気」を良くしてみてくださいね。. きっと夢が定まり、実現に向かいます。. ＊＊＊＊＊. この書籍は2011年9月に株式会社永岡書店から出版された『気を整えて夢を叶えるリセット整理術』を再編集、電子書籍化したものです。.

While preserving the integrity of Graham's original text, this revised edition includes updated commentary by noted financial journalist Jason Zweig, whose perspective incorporates the realities of today's market, draws parallels between Graham's examples and today's financial headlines, and gives readers a more thorough understanding of how to apply Graham's principles. Among the library of investment books promising no-fail strategies for riches, Benjamin Graham's classic, The Intelligent Investor , offers no guarantees or gimmicks but overflows with the wisdom at the core of all good portfolio management. Graham's sage advice, analytical guides, and cautionary tales are still valid for the contemporary investor, and Zweig's commentaries demonstrate the relevance of Graham's principles in light of 1990s and early twenty-first century market trends.

In The Book on Rental Property Investing, real estate investor and co-host of the BiggerPockets Podcast Brandon Turner has one goal in mind: to give you every strategy, tool, tip, and technique needed to become a millionaire rental property investor―while helping you avoid the junk that pulls down so many wannabes! You’ll find practical, up-to-date, exciting strategies that investors across the world are using to build wealth and significant cash flow through rental properties. Brandon Turner’s The Book on Rental Property Investing does that, and does it in a way that puts financial freedom through real estate within reach of anyone who wants it.”.

Willink and Babin returned home from deployment and instituted SEAL leadership training to pass on their harsh lessons learned in combat to help forge the next generation of SEAL leaders. Detailing the mindset and principles that enable SEAL units to accomplish the most difficult combat missions, Extreme Ownership demonstrates how to apply them to any team or organization, in any leadership environment. Riveting, engaging, and free from the usual cliché platitudes, this book is strikingly impactful and will dramatically improve leaders of all types.” ― Amy Brandt Schumacher, entrepreneur, executive, and philanthropist. An inspiring and page-turning read, the leadership lessons are easy to digest and implement. This book made me a better leader and enabled my entire team step up our game!” ― Jared Hamilton, founder and CEO, DrivingSales "One of the best books on leadership I've ever read and a tremendous war story book as well."