Master Your Finances will transform your financial life by demystifying the complexities around wealth creation opening the individual up to possibilities and suggesting practical ways of beginning a successful financial journey.

The book aims to achieve awareness to the mechanics of finances, provide awareness to human behaviour and how this impacts on financial net worth. It also provide options for the individual to feel empowered to take charge of their own finances and design and implement a strategy to obtain the desired results!

Content include:

• It’s not just about money, it’s about life
• Taking ownership of your finances
• Your net worth
• What you own
• What you owe - Understanding debt
• Dealing with over-indebtedness
• What you earn
• What you spend
• Pulling it all together
• Having a map and a mirror

This book reveals the basic insights on managing your finances and wealth. These insights, if applied appropriately can lead to financial freedom.

The history of the Rio Grande since the late nineteenth century reflects the evolution of water-resource management in the West. It was here that the earliest interstate and international water-allocation problems pitted irrigators in southern New Mexico against farmers downstream in El Paso and Juarez, with the voluntary resolution of that conflict setting important precedents for national and international water law.

In this first scholarly treatment of the politics of water law along the Rio Grande, Douglas R. Littlefield describes those early interstate and international water- apportionment conflicts and explains how they relate to the development of western water law and policy and to international relations with Mexico. Littlefield embraces environmental, legal, and social history to offer clear analyses of appropriation and riparian water rights doctrines, along with lucid accounts of court cases and laws. Examining events that led up to the 1904 settlement among U.S. and Mexican communities and the formation of the Rio Grande Compact in 1938, Littlefield describes how communities grappled over water issues as much with one another as with governmental authorities.

"Conflict on the Rio Grande" reveals the transformation of nineteenth- and early twentieth-century law, traces changing attitudes about the role of government, and examines the ways these changes affected the use and eventual protection of natural resources. Rio Grande water policy, Littlefield shows, represents federalism at work--and shows the West, in one locale at least, coming to grips with its unique problems through negotiation and compromise.

Ross/Westerfield/Jaffe/Jordan's Corporate Finance: Core Principles and Applications was written to convey the most important corporate finance concepts and applications at a level that is approachable to the widest possible audience. The concise format, managerial context and design, and student-friendly writing style are key attributes to this text. The well-respected author team is known for the clear, accessible presentation of material that makes this text an excellent teaching tool. With the Fifth Edition, McGraw-Hill's Connect (R) empowers students by continually adapting to deliver precisely what they need, when they need it, and how they need it, so your class time is more engaging and effective.

An explosive, controversial account of the collapse of RBS and the collapse of the British economy - shortlisted for FINANCIAL TIMES AND GOLDMAN SACHSBUSINESS BOOK OF THE YEARAWARD2013. When RBS collapsed and had to be bailed out by the taxpayer in the financial crisis of October 2008 it played a leading role in tipping Britain into its deepest economic downturn in seven decades. The economy shrank, bank lending froze, and hundreds of thousands lost their jobs. Living standards are still falling and Britons will be paying higher taxes for decades to pay the clean-up bill. How on earth had a small Scottish bank grown so quickly to become a global financial giant that could do such immense damage when it collapsed? Based on over 80 interviews and with access to diaries and papers kept by those at the heart of the meltdown, this is the definitive account of the RBS disaster which still casts a shadow over our economy. In Making It Happen, senior executives, board members, Treasury insiders and regulators reveal how the bank's mania for expansion led it to take enormous risks its leaders didn't understand. From the birth of the Royal Bank in 18th century Scotland, to the manic expansion under Fred Goodwin in the middle of a mad boom and culminating in the epoch-defining collapse, Making It Happenis the full, extraordinary story.

Understand how day trading works--and get an action plan Due to the fluctuating economy, trade wars, and new tax laws, the risks and opportunities for day traders are changing. Now, more than ever, trading can be intimidating due to the different methods and strategies of traders on Wall Street. Day Trading For Dummies provides anyone interested in this quick-action trading with the information they need to get started and maintain their assets. From classic and renegade strategies to the nitty-gritty of daily trading practices, this book gives you the knowledge and confidence you'll need to keep a cool head, manage risk, and make decisions instantly as you buy and sell your positions. New trading products such as cryptocurrencies Updated information on SEC rules and regulations and tax laws Using options to manage risk and make money Expanded information on programming If you're someone who needs to know a lot about day trading in a short amount of time, this is your place to start.

"Beginning investors have long assumed that there were a bunch of good books about foreclosure. In fact, there were none. Now, fi nally, there is one good one: John Schaub's "Building Wealth Buying Foreclosures.""
--John T. Reed, author of "How to Buy Real Estate for at Least 20% Below Market Value"

Foreclosures are one of the biggest real estate investment opportunities available in today's market. They also have a compelling benefit--when you buy a property on the brink of foreclosure, you're solving that problem for the previous owner, and getting a great deal in the process. "Building Wealth Buying Foreclosures" helps you target top properties and get the best deal, with tips on how to avoid scams, insight into the lender's perspective, and a checklist that helps you keep track of every step of the way.

Inside information on how to Target only the right properties to buy Negotiate the best price Get a good deal on a mortgage Make the right offer at the right time Understand the lender's perspective Make sense of title insurance Decide to rent or sell the property

"This is the most practical book on 'doing well by doing good' that I have ever read. My only hesitation in recommending it is that I may find myself competing against another investor who has read it because of my recommendation."
b>--Dr. Gary North, "Remnant Review "

"With foreclosures at an all time high, there's never been a better opportunity to buy good real estate at a bargain price. John Schaub, my favorite real estate guru for 30 years, shows you how to do it without getting into trouble. This book is a gold mine of how to buy real estate cheaply and profitably. Most other real estate gurus do one or the other, but not both ]"
--Mark Skousen, Editor, "Forecasts & Strategies"

"John is the master of Real Estate Investing. His books show the reader how to build a successful investment business. "Building Wealth Buying Foreclosures" could not be more timely. This easy to understand and friendly book is a must for anyone desiring to achieve wealth through Real Estate."
--Lisa Moren-Bromma, author of "Wise Women in Real Estate" and "Real Estate Investing for The Utterly Confused"

How central banks and independent regulators can support rather than challenge constitutional democracy Unelected Power lays out the principles needed to ensure that central bankers and other independent regulators act as stewards of the common good. Blending economics, political theory, and public law, this critically important book explores the necessary conditions for delegated but politically insulated power to be legitimate in the eyes of constitutional democracy and the rule of law. It explains why the solution must fit with how real-world government is structured, and why technocrats and their political overseers need incentives to make the system work as intended. Now with a new preface by Paul Tucker, Unelected Power explains how the regulatory state need not be a fourth branch of government free to steer by its own lights, and how central bankers can emulate the best of judicial self-restraint.

'Worth far more than its cover price ... I wish I'd had it available to me when I was first looking for startup funding' -- Eric Rees Every startup needs capital, and ambitious startups seek it on Sand Hill Road - Silicon Valley's dream street for entrepreneurs. That's where you'll find the biggest names in venture capital, including the famed VC firm Andreessen Horowitz, where lawyer-turned-entrepreneur-turned-VC Scott Kupor serves as managing partner. Whether you're trying to get a new company off the ground or scale an existing business to the next level, you need to understand how VCs think. Secrets of Sand Hill Road is the first book that shows you exactly how VCs decide where and how much to invest. It will help you get the best possible deal and make the most of your relationships with VCs. You'll learn, for instance: -- Why most VCs typically invest in only one startup in a given business category -- Why the talent you need most when raising venture capital is your storytelling ability -- How to handle a 'down round', when you have to raise funds at a lower valuation than in your previous round -- Why bridge financing (reopening your last round to existing investors) is generally a bad idea -- What to do when VCs get too entangled in the day-to-day operations of your business -- Why you need to build relationships with potential acquirers long before you decide to sell Filled with Kupor's firsthand experiences, insider advice, and practical takeaways, Secrets of Sand Hill Road is the guide you need to turn yourstartup into the next unicorn.

The global financial crisis in 2008 brought central banking to the centre stage, prompting questions about the role of national central banks and - in Europe - of the multi-country European Central Bank. What can central banks do, and what are their limitations? How have they performed? Currency, Credit and Crisis seeks to provide a coherent perspective on the functions of a central bank in a small country by assessing the way in which Ireland's financial crisis from 2010 to 2013 was handled. Drawing on his experiences as Governor of the Central Bank of Ireland and in research and policy work at the World Bank, Patrick Honohan offers a detailed analytical narrative of the origins of the crisis and of policy makers' conduct during its most fraught moments.

Develop your own trading system with practical guidance and expert advice In Building Algorithmic Trading Systems: A Trader's Journey From Data Mining to Monte Carlo Simulation to Live Training, award-winning trader Kevin Davey shares his secrets for developing trading systems that generate triple-digit returns. With both explanation and demonstration, Davey guides you step-by-step through the entire process of generating and validating an idea, setting entry and exit points, testing systems, and implementing them in live trading. You'll find concrete rules for increasing or decreasing allocation to a system, and rules for when to abandon one. The companion website includes Davey's own Monte Carlo simulator and other tools that will enable you to automate and test your own trading ideas. A purely discretionary approach to trading generally breaks down over the long haul. With market data and statistics easily available, traders are increasingly opting to employ an automated or algorithmic trading system enough that algorithmic trades now account for the bulk of stock trading volume. Building Algorithmic Trading Systems teaches you how to develop your own systems with an eye toward market fluctuations and the impermanence of even the most effective algorithm. * Learn the systems that generated triple-digit returns in the World Cup Trading Championship * Develop an algorithmic approach for any trading idea using off-the-shelf software or popular platforms * Test your new system using historical and current market data * Mine market data for statistical tendencies that may form the basis of a new system Market patterns change, and so do system results. Past performance isn't a guarantee of future success, so the key is to continually develop new systems and adjust established systems in response to evolving statistical tendencies. For individual traders looking for the next leap forward, Building Algorithmic Trading Systems provides expert guidance and practical advice.

THE ORIGINAL 1949 EDITION

Benjamin Graham's classic best seller on value investing has taught and inspired hundreds of thousands of people worldwide. This reissue of pure unadulterated 1949 text by Graham offers the investing principles as he originally laid them out - principles that continue to stand more than half a century since the book was published.

Time and market developments have proven the wisdom of Graham's basic strategies, and in today's volatile market, this is the most important book you will ever read on the making of the right decisions to protect your investments and make them a success.

Made famous by the Italian mathematician Leonardo De Pisa, the Fibonacci number series holds a Golden Ratio that is universally found in nature and used by architects, plastic surgeons, and many others to achieve "perfect" aesthetic proportions. Now, in this groundbreaking guide, noted technical trading advisor Carolyn Boroden shows you how Fibonacci pattern studies can be used as an extremely effective method for achieving greater profitability in stocks, futures, and Forex markets.

"Fibonacci Trading" provides a one-stop resource of reliable tools and clear explanations for both identifying and taking advantage of the trade setups naturally occurring in the markets that will enable you to reach the highest rate of profitable trades. Inside, you'll find a unique trading methodology based on Fibonacci ratios, and the author's personal experience analyzing and setting up the markets in real time, which makes this practical volume invaluable to the self-directed investor.

Complete with detailed charts and insightful graphics in each chapter, "Fibonacci Trading" features: Dependable guidance for determining important support and resistance levels, along with expert advice for using them to maximize profits and limit losses Step-by-step processes for using Fibonacci analysis to predict turning points in the market far enough in advance to generate substantial profit Valuable tips for using Fibonacci analysis to establish optimal stop-loss placement Revealing coverage on how Fibonacci relationships can create a roadmap for the trader based on high percentage patterns

"Fibonacci Trading" also provides a four-step formula for applying the covered techniques in a highly effective approach. Flexible enough for all markets and trading styles, the formula helps you focus your newly developed knowledge and skill sets into a solid trading methodology, defined trading plan, successful trading mindset, and disciplined trading approach that stacks the odds for profit in your favor.

This hands-on guide is packed with a wealth of actual trading situations, setups, and scenarios that bring the four-step formula to life so you can immediately use it in the real world.

This is a thorough exploration of the models and methods of financial econometrics by one of the world's leading financial econometricians and is for students in economics, finance, statistics, mathematics, and engineering who are interested in financial applications. Based on courses taught around the world, the up-to-date content covers developments in econometrics and finance over the last twenty years while ensuring a solid grounding in the fundamental principles of the field. Care has been taken to link theory and application to provide real-world context for students. Worked exercises and empirical examples have also been included to make sure complicated concepts are solidly explained and understood.

Markets change-smart investors adapt. No matter what the state of the real estate market, there is wealth to be made, and the basics of smart investing still apply. In Building Real Estate Wealth in a Changing Market, John Schaub shows you how you can invest and thrive in any market. Change creates chaos, but it also creates opportunity for those who can recognize it and react. Schaub helps you find hidden deals and shows you how to cash-in on the great bargains available in a slowing market. If you want to invest safely and profitably, you'll find a wealth of expert guidance on: Predicting change in your local market Profiting from change in individual neighborhoods Protecting your investments from market fluctuation Selling profitably in a buyer's market Finding foreclosures, pre-foreclosures and other distressed properties Buying from banks and other lenders Buying properties from other investors Plus, you'll discover Schaub's step-by-step, ten-year plan for creating wealth. When you combine these wise investing tips and tactics with a proven long-term plan, you'll build wealth to last a lifetime. "Gurus I respect...are people who have been in the business and love it and want to help people be successful investors. ..like John Schaub."-John T. Reed, Money Magazine "On my scale of one to 10, this outstanding book rates an off-the-chart 12."- Bob Bruss

Operational risk is the risk of loss from inadequate or failed internal processes, people, and systems or from external events. This book explores the different types of operational risk that threaten financial institutions, and focuses on practical due-diligence methodologies that can be used to identify these risks before it is too late.

Everything you need to know for successful wealth management for families

Although the family office concept is not new, it is a phenomenon that is changing the wealth management landscape. With celebrities and business moguls, investment gurus and family business icons establishing private wealth management advisory firms, more and more individuals are asking what exactly is a family office and how does it operate? Family offices either serve one family exclusively or typically manage the wealth of a number of affluent families. If you're like most families and advisors, you're familiar with family offices, but may not know exactly how they work or why the family office is right for you or your clients. Dr. Kirby Rosplock, an expert on the family office concept, provides insights to some of the most common questions and even misperceptions in this handbook.

"The Complete Family Office Handbook" explains how family offices operate, who should consider forming or joining one, and how to craft and set up a structure, purpose and vision for the office that fully serves a family's particular needs and investment goals. Whether you're a wealth creator, a member of a wealthy family considering forming or joining a family office, or a professional contemplating a career in this growing segment of the wealth management industry, this comprehensive guide provides insights to some of the most common questions and misperceptions.

"Although "Reminiscences,.".was first published some seventy years ago, its take on crowd psychology and market timing is as timely at last summer's frenzy on the foreign exchange markets."
--"Worth" magazine

"The most entertaining book written on investing is Reminiscences of a Stock Operator, by Edwin Lefevre, first published in 1923."
--"The Seattle Times"

"After twenty years and many re-reads, "Reminiscences" is still one of my all-time favorites."
--Kenneth L. Fisher, "Forbes"

"A must-read classic for all investors, whether brand-new or experienced."
--William O'Neil, founder and Chairman, "Investor's Business Daily"

"Whilst stock market tomes have come and gone, this remains popular and in print eighty years on."
--"GQ" magazine

First published in 1923, "Reminiscences of a Stock Operator" is the most widely read, highly recommended investment book ever. Generations of readers have found that it has more to teach them about markets and people than years of experience. This is a timeless tale that will enrich your life--and your portfolio.

For academics, regulators and policymakers alike, it is crucial to measure financial sector competition by means of reliable, well-established methods. However, this is easier said than done. This comprehensive Handbook provides a collection of state-of-the-art chapters to address this issue. Using the latest empirical results from around the world, expert contributors offer a thorough assessment of the quality and reliability of the prevalent measures of competition in banking and finance. The Handbook consists of four parts, the first of which discusses the characteristics of various measures of financial sector competition. The second part includes several empirical studies on the level of, and trends in, competition across countries. The third part deals with the spillovers of market power to other sectors and the economy as a whole. Finally, the fourth part considers competition in banking submarkets and subsectors. This Handbook is an essential resource for students and researchers interested in competition, regulation, banking and finance. Politicians, policymakers and regulators will also benefit from the thorough explanation of the need for anti-trust regulation and identification of the most reliable competition measures.