By the time you are thinking about divorce you either want one or you’ve just learned your marriage is over. This is often the start of an uphill battle that leaves most people in financial and emotional ruin. Well, not if you Divorce Smart.

With one in three marriages now ending in divorce, it is imperative to be informed of the long-term challenges involved in divorce and separation. This book is a step-by-step guide to navigating the legal paper work, child care planning and financial security issues you will face during and after divorce. Divorce Smart gives the reader clear, concise information on maintenance, property, health care, pension funds and investments, ensuring that women are empowered to secure their home, keep as much wealth as possible and provide for their children well beyond the end of this marriage.

Whether you are married in community of property, traditionally or in a same-sex civil union there is always a way to Divorce Smart.

There is increasing pressure for all of us to take responsibility for our own financial security and wellbeing, but we often overlook how the benefits that come with a job can help us do that. Essential Personal Finance: A Practical Guide for Employees focuses on these valuable work benefits and shows how you can build on this important foundation to achieve financial security and your life goals. This unique book explores how making effective and practical use of these work benefits (such as pension scheme, life cover, sick pay, cheap loans, savings schemes and even financial coaching), means facing up to the behavioural biases we are all plagued with. Given that these can get in the way of even the best intentions, Essential Personal Finance tackles these biases head-on with practical ideas and tips for overcoming or harnessing them for good, and will help you to develop a positive and fruitful relationship with your money. With financial stress being a major cause of absenteeism and sick leave, low morale and lost productivity, the advice in this book also offers employers enormous benefits. By empowering employees through financial education and financial awareness, progressive employers will help them feel more in control of their lives, and experience less stress, resulting in higher morale and productivity. Offering a distinctive approach which combines academic insight with practical financial wisdom and tools, this is a must-have book for all employees. It will help you make the most of everything your job has to offer so you can worry less about money and live life to the full.

"If you want to enjoy good health and create wealth, this woman will show you how to do it"

-Bob Proctor, Author of "You Were Born Rich" and Featured in the movie "The Secret."
"Discover your own true potential by tapping in to the energy Leanne shares. You can't help but learn something and become more successful yourself!
"

-Tosca Reno, Author, Fitness Model and Star of upcoming TV show "The Tosca Series"
"You won't want to miss Leanne's powerful approach to sharing wealth and wellness wisdom, she's fabulous!"

-Lori Langermeier Author of "The Millionaire Maker Series," Money Expert of Dr Phil and Featured in the movie "The Secret"

There is increasing pressure for all of us to take responsibility for our own financial security and wellbeing, but we often overlook how the benefits that come with a job can help us do that. Essential Personal Finance: A Practical Guide for Employees focuses on these valuable work benefits and shows how you can build on this important foundation to achieve financial security and your life goals. This unique book explores how making effective and practical use of these work benefits (such as pension scheme, life cover, sick pay, cheap loans, savings schemes and even financial coaching), means facing up to the behavioural biases we are all plagued with. Given that these can get in the way of even the best intentions, Essential Personal Finance tackles these biases head-on with practical ideas and tips for overcoming or harnessing them for good, and will help you to develop a positive and fruitful relationship with your money. With financial stress being a major cause of absenteeism and sick leave, low morale and lost productivity, the advice in this book also offers employers enormous benefits. By empowering employees through financial education and financial awareness, progressive employers will help them feel more in control of their lives, and experience less stress, resulting in higher morale and productivity. Offering a distinctive approach which combines academic insight with practical financial wisdom and tools, this is a must-have book for all employees. It will help you make the most of everything your job has to offer so you can worry less about money and live life to the full.

Problems seem to bother those the least that plan the most...

Lying awake nights wondering if you'll run out of money before you run out of breath? That's the reality facing millions of Americans today in a rapidly aging society of economic instability, devastated nest eggs, skyrocketing healthcare costs and plummeting purchasing power. Is it possible to realistically plan for a comfortable retirement in these uncertain times?
In a word, yes. Not only is it possible, but that's exactly what this book is about: How to create a retirement plan to support your lifestyle throughout your and your spouse's lives, then distribute your estate to your heirs in the most beneficial and tax-efficient way.
Donald Moore, a preeminent retirement planner, has worked with hundreds of clients over many years to chart the right course for each individual and couple to achieve their retirement dreams.
A veteran of the industry and one of the most successful retirement planners in the northwest Florida and southwest Alabama area, Moore can help you determine...
- Whether or not your assets areproperly positioned
- How much capital you'll need to produce a comfortable retirement income
- The kinds of savings and investments you'll need to achieve your goals
- How much you should set aside each month for savings and investments
- The kind of tax-advantaged investments best suited to your needs
- The monthly income your family will need in the event of your death
- The amount and type of life and disability insurance you need
Take heart if you are among the nearly half of American workers today who have never tried to calculate how much money you'll need to live comfortably in retirement.

Start and Scale Your Freelance Business The freelance portion of the workforce and the economy is growing at a rapid pace, but the lack of proper training or knowledge about how to run a freelance venture sets most freelancers up for failure. With this new workforce picking up speed, the need is real and the time is now for freelancers to learn how to take their businesses and their paychecks to the next level. The Six-Figure Freelancer is a proven path, a battle-tested guide that works for freelancers of all types and includes the author's five years of trial-by-fire lessons used to find, land, and amaze your clients. The book follows an outline of proven tactics to grow a business to the six-figure level and keep it there: Knowing the current phase of your freelance business Getting into the right mindset to shift your money power Knowing how to spot high-value, high-dollar clients Determining the structure of your six-figure business (solo or agency model?) Speeding your process up and structuring your ideal freelance workday Putting together a client benefit-focused marketing tools plan Raising your rates and transmitting value to prospective clients Avoiding those six-figure earner pitfalls Throughout this book, readers will have guided action plans and checklists to customize their own specific freelance business.

Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Ten years on from the financial crash, and we are still bad with money.We press 'cash only' at ATMs, and accept that we'll be paying back our student loans with our pension savings. Money: A User's Guide cuts through all the panic of personal finances. It will teach you how to get a great credit score, how to save hundreds on bills, and offer practical advice on every difficult conversation you've been avoiding including: Housing (for renters and buyers) Student Loans Pensions Paying off debt Stocks and shares Ethical investments Money and Mental health Money and Love This essential book will give you the confidence and clarity to take back control of your bank account, enabling you to thrive in all areas of your life.

It's time to say goodbye to the tired financial advice that has lost Americans Trillions of dollars in wealth. Contrary to what the Wall Street propaganda machine would have you believe....there's no need to risk your hard earned money in order to grow wealthy.
Within these pages you'll learn the "Safe Money Millionaire" plan that can grow your wealth safely and protect you against the ravages of unknown future tax liabilities. Plus you'll learn how to "Finance Yourself To Wealth" and reduce or eliminate the amount of interest you pay to banks and credit card companies.
Here's What You'll Discover:
* How you could add $800,000 to over 1 Million dollars to your family's wealth with a simple, predictable plan, without risk in the market.
* Why financial guru's and Wall Street don't promote this 100 Year old secret to safe money wealth.
* A safe place to shelter your hard earn retirement savings from future market crashes.
* The shocking truth about rates of return, and why a higher 'rate of return' doesn't mean you are getting wealthier
* How to "Finance Yourself To Wealth" and reduce or eliminate the interest you pay to banks and credit card companies.
* What a Bank Robber named Willy Sutton teaches about who is really out to confiscate your wealth.
* The secrets most people never know about the giant tax bite you could pay on your 401(k) savings. (You could end up paying 5 times more in taxes than you'll save )
* Financial Guru's Exposed: Suze Orman practice what she preaches? Jim "Mad Money" Cramer's advice make people money?
* Why John D. Rockefeller said "If I had to give any advice, it would be to keep out of Wall Street"
* How fee's could be ravaging your 401(k) and Mutual Funds costing you thousands of dollars and years of retirement.

Jackass Investing systematically rips apart the conventional investment wisdom - myth by myth - then replaces it with a "return driver" based methodology that results in a "Free Lunch" portfolio - one that produces both greater returns and lower risk. More than ten years in the making, and supported by the twin pillars of extensive research and more than 30 years of trading experience, this book finally lays to rest the traditional investment paradigm. As you might have guessed, this is not your typical investment book. "Controversial" and "ground-breaking" are two words that have been used to describe it. Jackass Investing presents an entirely new, and eminently logical, process for investing - all of it supported by numerous relevant facts and studies. But Jackass Investing is not a dense financial tome. It is extremely readable and includes entertaining and relevant references to popular culture - such as Criss Angel's magic, the rock band Rush and heavyweight boxing contender "Fast" Eddie Chambers - to help describe investment concepts in a truly approachable way. Perhaps most importantly, the book is also highly practical. As a bonus, the author has created a companion web site that includes specific actions you can take to turn your "Poor-folio" into a truly diversified portfolio - one that can make you money in even the harshest environments. This is certainly the one book that will transform your way of thinking about money and how you invest it. What you'll learn: Are you a Seinfeld fan? In Myth #3, learn what George Costanza can teach you about market timing. Then read the "Action Section" to see an actual trading strategy you can use to profit from the behavior of those people who do mis-time the market. Think that the largest investors have an edge over you? In Myth #15, read why the opposite is true. In the action section see an actual technique that has been shown to outperform the S&P 500 by more than 5% per year. What can the behavior of football fans teach you about investing? Find out in Myth #16. Learn how even the largest investors have a bias in their investing - one that you can exploit to create a truly diversified portfolio. Do you believe it is impossible to both increase returns and reduce risk? That's understandable. The conventional financial wisdom preaches that ad nauseum. But in the final myth, find out why - and how - it is possible. See actual portfolios you can use to produce greater returns with less risk than those that follow conventional financial wisdom. These are just a handful of the many entertaining examples of investment myths and specific trading strategies you will learn when reading Jackass Investing. There is no other book like it that combines entertainment with financial education and a practical "how-to" guide. Learn what most of Wall Street doesn't know, and what those who do know, want to keep from you.

From the author of You Are A Badass, the New Your Times bestselling book everyone is talking about.

YOU ARE A BADASS AT MAKING MONEY is the book you need if you've spent too much time watching money land in your bank account and then roll through your fingers. Jen Sincero went from living in a converted garage to traveling the world in 5-star luxury in a matter of years, and knows all too well the layers of BS one can get wrapped up in around money, as well as what it takes to dig your way out.

In this funny, fascinating and practical book she goes in-depth on how powerful our thoughts are and how our bank accounts are mirrors for our beliefs about money. YOU ARE A BADASS AT MAKING MONEY combines laugh out loud comedy with life-changing concepts, all boiled down into manageable, bite-sized tips so that YOU can put them into practice and get life changing results.

A straightforward, practical guide to the newest frontier in investment strategy—crypto—from #1 New York Times bestselling author and personal finance expert Ric Edelman. Blockchain and bitcoin are here to stay—and as the Bank of England stated, this new technology could “transform the global financial system.� No wonder PWC says blockchain technology will add $2 trillion to the world’s $80 trillion economy by 2030. Indeed, blockchain technology and the digital assets it makes possible are revolutionary, the most profound innovation for commerce since the invention of the internet. And yet, the average investor—and the investment advisors who manage two-thirds of all their money—aren’t aware of all this, or of the incredible investment opportunities now available. Fortunately, Ric Edelman, one of the most influential experts in the financial field, shows investors how they can engage and thrive in today’s new investment marketplace. Featuring the prophetic insights you’d expect from one of most acclaimed financial advisors, The Truth About Crypto is fun to read and easy to understand—and most importantly gives readers the sound, practical advice we all need to succeed with this new asset class. Best of all, Edelman shows how blockchain works, the difference between digital currency and digital assets, and a comprehensive look at every aspect of the field. This book is a must-read guide if you want to achieve investment success today.

Stressed by your spending? Always feeling like you should do more? Join Sheridan Stewart on an inspiring journey towards spending less, feeling happier and focusing on the important things. What began as a 90-Day challenge simply to spend less, becomes an exploration of what matters most. I Am Enough contemplates what it means to have enough, do enough and ultimately be enough. Told with insight and humour, this book is an antidote to the constant pressure we are under to do more, have more and be more. Busy radio presenter and broadcaster, author and mid-lifer Sheridan Stewart created the 90-Day Enough Challenge out of necessity. She had been struggling with burnout for years but couldn’t find a way to break the cycle of dashing about feeling guilty about spending too much, eating too much and not being a good enough wife, friend, volunteer, work colleague and human being. Sheridan’s quest to prioritise calm, self-care and what really matters in life is inspirational. The practical programme which she has created is in three parts with a detailed timeline, tips and checklists for every step of the journey.   SURRENDER: The first part of the book is about surrender – learning to let go and strip life back to the essentials: getting enough sleep and support, utilizing what we have instead of buying more and doing enough without being sucked into the relentless pursuit of perfectionism.  MAYBE I CAN BE ENOUGH? The second part of the book makes a shift from not only doing things differently but beginning to feel and view things differently. Even though to the outside observer, Sheridan’s life may appear the same – same job, same relationships, same environment – she learns to see life through a different lens. She begins to take small actions that better served her physical, emotional and financial wellbeing and shows the reader how to do the same. CHOOSE TO MAKE THE CHANGE LAST: The third part of the book is about choice. As Sheridan nears the end of her 90-Day Challenge, she starts to explore implementing lasting change. As a chronic dieter and a driven over-achiever, she is aware of how quickly old patterns and behaviours can take hold. Why will this time different? Over the course of this journey, Sheridan learns to trust herself, and you can too by following in her footsteps on a journey towards financial and emotional happiness.

This book provides a new point of view on the subject of business failure prediction, through the application of multicriteria analysis methods. The aim of the book is to provide a review of the research in the area and to explore the adequacy of these methods to one of the most complex problems in the area of financial management. In addition, the book explores the applications of the methods so that it can become a very useful tool for researchers and practitioners. The analysis of the modeling and the results in these applications provides the background for further employment of the methods.

Personal finance journalist, Michelle McGagh, takes on a challenge to not spend money for a whole year in an engaging narrative that combines personal experience with accessible advice on money so you can learn to spend less and live more. Michelle McGagh has been writing about money for over a decade but she was spending with abandon and ignoring bank statements. Just because she wasn't in serious debt, apart from her massive London mortgage, she thought she was in control. She wasn't. Michelle's took a radical approach and set herself a challenge to not spend anything for an entire year. She paid her bills and she has a minimal budget for her weekly groceries but otherwise Michelle spent no money at all. She found creative ways to live have a social life and to travel for free. She has saved money but more importantly she is happier. Her relationship with money, with things, with time, with others has changed for the better. The No Spend Year is Michelle's honestly written and personal account of her challenge. But it is more than that, it is also a tool for life. There are top tips for your own finances including easy to understand advice on interest, mortgages, savings , pensions and spending less to help you live a more financially secure life.

Money: Getting It, Using It, and Avoiding the Traps: The Ultimate Teen Guide, is a concise, practical book for young adults that addresses the all-important issue of money. Author Robin Brancato provides answers to the toughest questions you'd ever ask about money, including: How much should parents and guardians subsidize you? Is it fair if money gifts from Grandma have strings attached? If you want a job, how do you get one, and how do you make sure the benefits outweigh the hassles? What kind of business could you start on your own? How can you negotiate finances gracefully within your family and on your job? Can you discipline yourself to put money away, and, if so, where? What does the fine print on the credit card contract say? What are the exact terms of the cell phone deal? And how do you deal with the friend who borrows and never pays back? These questions are not only answered by the author, but also by teen contributors who share their own personal stories. Additionally, full bibliographical source listings, which steer readers to courses, activities, organizations, and web sites, are included. The concluding pages-complete with self-evaluations-will help young adults gain financial confidence for now and for the years ahead.

A comprehensive guide to living trusts, with expert financial and legal guidance The Living Trust Advisor is an expert guide for both advisors and their clients on the complex process of establishing, living with, and maintaining a living trust. Written by renowned family inheritance attorney Jeffrey L. Condon, this book discusses the various aspects of this important document, and shows you how to manage a seamless transfer of assets to various beneficiaries. This new second edition has been fully updated and revised to reflect the extensive changes to the Estate Tax Law that have taken place since the initial publication, giving you the most up-to-date information and guidance on preserving your wealth and helping your heirs avoid estate tax liability. You'll develop a vision for your trust before you ever meet with an attorney or other key players, and learn how to establish and maintain a trust that remains rock-solid for your lifetime and beyond. As the living trust has replaced the will as the primary means of settling after-death estates, clear guidance and current legal information is of utmost importance for advisors and clients alike. This book is a valuable resource for every stage of planning and execution, helping you ensure that you provide for your beneficiaries the way you intend. * Know what to think about before your first meeting with a lawyer * Establish and manage your living trust to carry out your wishes * Identify potential inheritance problems and build solutions into the trust * Distribute assets to future generations, and protect them after the transfer Dealing with complex financial and legal issues while facing our own mortality is a difficult task, but making these decisions is critical to the future outcome of your estate. The Living Trust Advisor expertly guides you through the process so you can be confident that your wishes will be carried out.

THE NATIONAL BESTSELLING BOOK THAT EVERY INVESTOR SHOULD OWN

Peter Lynch is America's number-one money manager. His mantra: Average investors can become experts in their own field and can pick winning stocks as effectively as Wall Street professionals by doing just a little research.

Now, in a new introduction written specifically for this edition of One Up on Wall Street, Lynch gives his take on the incredible rise of Internet stocks, as well as a list of twenty winning companies of high-tech '90s. That many of these winners are low-tech supports his thesis that amateur investors can continue to reap exceptional rewards from mundane, easy-to-understand companies they encounter in their daily lives.

Investment opportunities abound for the layperson, Lynch says. By simply observing business developments and taking notice of your immediate world -- from the mall to the workplace -- you can discover potentially successful companies before professional analysts do. This jump on the experts is what produces "tenbaggers," the stocks that appreciate tenfold or more and turn an average stock portfolio into a star performer.

The former star manager of Fidelity's multibillion-dollar Magellan Fund, Lynch reveals how he achieved his spectacular record. Writing with John Rothchild, Lynch offers easy-to-follow directions for sorting out the long shots from the no shots by reviewing a company's financial statements and by identifying which numbers really count. He explains how to stalk tenbaggers and lays out the guidelines for investing in cyclical, turnaround, and fast-growing companies.

Lynch promises that if you ignore the ups and downs of the market and the endless speculation about interest rates, in the long term (anywhere from five to fifteen years) your portfolio will reward you. This advice has proved to be timeless and has made One Up on Wall Street a number-one bestseller. And now this classic is as valuable in the new millennium as ever.

The world is changing. It's time for a new financial playbook.

In this must-have guide to optimizing your life for wealth, success and happiness, you'll learn:

• how to find and follow your talent
• what small steps you can take now that pay big returns later
• how to develop better financial habits

Bursting with practical, game-changing advice from one of the world's most popular business school professors, The Algebra of Wealth is the practical guidebook you need to win today's wealth game.

Today's workers have more opportunities and mobility than any previous generation. They also face unprecedented challenges, including inflation, labour and housing shortages, and climate volatility.

Even the notion of 'retirement' is undergoing a profound rethink, as our lifespans extend and our relationship with work evolves. In this environment, the tried-and-true financial advice our parents followed no longer applies.

In The Algebra of Wealth, Galloway lays bare the rules of financial success in today's economy. In characteristic unvarnished, no-BS style, he explains you what you need to know in order to improve your chances of achieving economic security no matter what.