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Books > Health, Home & Family > Self-help & practical interests > Personal finance
New in paperback from the author of Outrageous Openness: a witty
and spirited guide to radically releasing the burdens of financial
fears. It's natural to crave prosperity. Some seek to manifest it
in myriad ways--using anything from vision boards to writing a
pretend check for a million dollars from the Bank of Divinity. Yet
whatever comes, or doesn't, the mind always seems to want more. But
what if there was a whole other way? Instead of grasping and
chasing, what if we offered everything--our money (or lack of it),
our triumphs, our problems, our desires--fully back to Love? What
if this offering itself was actually the secret to abundance? Tosha
Silver, internationally beloved spiritual guide, has created a
practical and powerful financial book unlike any other. Leading you
through a deeply transformative eight-week process, she shares the
mental, emotional, and spiritual steps that anyone can take to
learn to fully receive and prosper. Her step-by-step guidance is
filled with prayers, meditations, and stories to help you find and
heal the source of these fears and unworthiness. As you come to
know you are part of something larger--something that you serve and
that longs to serve you--you begin to feel a new sense of freedom
and abundance. You yourself become a vehicle for Divine Flow.
Barry Golson knows all about retiring abroad -- he and his wife,
Thia, have lived in six different countries. Now they choose
expatriate-friendly locales around the world for their low cost and
their high quality of living and explain how to investigate and
settle in each country with minimum hassle and maximum pleasure.
Taking you step-by-step through the process of researching,
testing, and finally living abroad, the Golsons' practical how-to
guide covers all the major issues, including health care, finances,
real estate, taxes, and immigration. Each location is profiled by
an expatriate writer who has made that country his or her home and
who knows how to answer all the questions about living richly and
economically in some of the world's most beautiful places.
The innovative investor's guide to an entirely new asset class-from
two experts on the cutting edge With the rise of bitcoin and
blockchain technology, investors can capitalize on the greatest
investment opportunity since the Internet. Bitcoin was the first
cryptoasset, but today there are over 800 and counting, including
ether, ripple, litecoin, monero, and more. This clear, concise, and
accessible guide from two industry insiders shows you how to
navigate this brave new blockchain world-and how to invest in these
emerging assets to secure your financial future. Cryptoassets gives
you all the tools you need: * An actionable framework for
investigating and valuing cryptoassets * Portfolio management
techniques to maximize returns while managing risk * Historical
context and tips to navigate inevitable bubbles and manias *
Practical guides to exchanges, wallets, capital market vehicles,
and ICOs * Predictions on how blockchain technology may disrupt
current portfolios In addition to offering smart investment
strategies, this authoritative resource will help you understand
how these assets were created, how they work, and how they are
evolving amid the blockchain revolution. The authors define a clear
and original cryptoasset taxonomy, composed of cryptocurrencies,
cryptocommodities, and cryptotokens, with insights into how each
subset is blending technology and markets. You'll find a variety of
methods to invest in these assets, whether through global exchanges
that trade 24/7 or initial cryptoasset offerings (ICOs). By
sequentially building on the concepts of each prior chapter, the
book will provide you with a full understanding of the cryptoasset
economy and the opportunities that await the innovative investor .
Cryptoassets represent the future of money and markets. This book
is your guide to that future.
Your best guide to buying Your First Home. The first time you ride
a bike, share a kiss, or drive a car—there's something thrilling
about firsts. The adventure of buying your first home is no less
memorable. And like most adventure, you'll face challenges, learn
new skills, and have novel experiences along the way. Ever explored
six strangers' homes in a single day> Get ready! Every pay more
than six figures for anything? Take a deep breath! Ever sign a
hundred or so legal documents in a single sitting (and love every
nerve-wracking minute of it)? Limber up your writing hand—an
incredible yet memorable journeys awaits. Assembled from hundreds
of interviews, in-depth research, and decades of experience, Your
First Home: The Proven Path to Homeownership is your trusted guide.
Your First Home will help you: Navigate the real estate buying
process, from home search to closing day Secure a real estate agent
to advocate for you Find a lender you can trust Secure the lowest
interest rate and monthly payments Identify a home that's right for
you Craft a winning offer Negotiate with sellers Settle into
homeownership with style This second edition is expanded to address
new trends and share new tools to help you find, finance, and buy a
home you'll be proud of for years to come.
A new financial guide on how to avoid money mistakes at every stage
of life, from bestselling author and TV superstar Kevin O'Leary--"a
completely unique personality. He is able to say things that are
sharp and funny but ultimately meaningful" ("Los Angeles Times").
"Don't spend too much. Mostly save. Always invest."
This is simple advice, but it's often the simple advice that's easy
to swallow and hard to follow. Kevin O'Leary understands that
getting a handle on your personal finances can be challenging at
any age. Whether you're a parent struggling to explain savings to
your children, a student contemplating a big loan to pay for
school, a newly engaged couple considering joint bank accounts, or
a baby boomer entering retirement, Kevin offers solid, practical
advice to help you make--and keep--more money.
As a star on ABC's "Shark Tank," Kevin's success with money
management and in business is legendary. But he's made mistakes
along the way, too, and he's written this book so others can
benefit from his experiences. Each chapter is geared to a specific
age or stage in life and focuses on simple changes you can make to
avoid debt, save money, and invest for a brighter future. You'll
find real-life examples of common money mistakes and strategies for
avoiding them, "Cold Hard Truth" quizzes and charts aimed at
boosting your financial wisdom, and tips and tricks for making more
money and growing it faster to achieve financial freedom.
"The Cold Hard Truth on Men, Women, and Money" offers an invaluable
opportunity to walk through some of life's biggest decisions with
one of the sharpest financial minds today.
An intuitive and eye-opening guide to halal investing In Halal
Investing for Beginners: How to Start, Grow and Scale Your Halal
Investment Portfolio, a team of Oxford-educated Islamic finance
gurus deliver a one-of-a-kind investing roadmap for Muslims who
want to watch their savings grow while abiding by Islamic law.
You’ll learn to distinguish between halal and haram investment
products, get key strategies for saving on your taxes, learn to
build a variety of portfolios, and more. In the book, the authors
introduce and explain the wide variety of investment products
available to investors who wish to restrict their financial
activity to that which is consistent with Shariah law, including
asset categories like equities, gold, art, start-ups, and even
property. You’ll also find: Advice for every stage of life,
including how to go halal for the first time, how to write an
Islamic will, and how to build a halal pension Portfolio
construction guidance for every risk tolerance, from high-growth to
low risk Explanations of the important difference between
“ethical” and “ESG” investment products and halal
investments An essential resource for Muslims who seek to invest
while remaining true to their faith and values, Halal Investing for
Beginners is the intuitive and easy-to-follow investment tutorial
that everyday Muslims have been waiting for.
Bad things happen to good people. Events not always under our
control can often result in our credit scores going down, and
sometimes way, way down. There are consumer protection laws that
you can use to remove negative items from your credit report,.
Because of a quirk in the law you can, as the author did, remove
items that really are yours. But if you try to go it alone, the
credit repair journey can be a nightmare. This book introduces a
step-by-step credit repair system, actua documents the author used
to settle suits, and legal cases filed in federal courts against
major credit bureaus. These are the credit repair secrets they
really don't want to you to know, from someone who successfully
challenged the credit reporting industry. Contrary to what you may
believe, there is a way to improve your credit score substantially,
and this book will help you get there.
'This accessible and non-preachy guide [...] is the finance guide
you'll keep passing around your friends' COSMOPOLITAN 'Reading
Black Girl Finance has given me a thorough reminder of what I need
to do to get my finances in tip top shape for 2021. It's a guide I
keep close to me' - BOLA SOL 'A quick, easy read with practical
advice and tips' - ELIZABETH OGABI, founder of For Working Ladies
START FINANCIALLY THRIVING WITH BLACK GIRL FINANCE We don't like
getting real about money, do we? We think maths, we think
spreadsheets, we think boring. But Selina Flavius, founder of Black
Girl Finance, wants to show that there can be another, better way.
A way to start making our hard-earned money work even harder for
us. Selina Flavius created Black Girl Finance to address the unique
difficulties Black women face due to the gender and ethnicity pay
gaps. Since we literally can't afford to wait for change, we need
to start changing things up for ourselves. From challenging money
mindsets to teaching key skills, such as how to set up an emergency
fund and where to start with budgeting, investing and saving, Black
Girl Finance provides a safe space for a community of unapologetic,
ambitious, money-minded women to get real about their finances.
Kick-start your financial journey with Black Girl Finance - the
first financial guide of its kind. Packed with tips, tricks and
tools, as well as statistics, personal stories, goal-setting
exercises and straight-talking advice, this will be your go-to
helping hand when it comes to making your financial goals a
reality.
In a time of rampant misinformation about ways of growing your
money, Burton G. Malkiel's gimmick-free investment guide is more
necessary than ever. Whether you're considering making your first
investment or contemplating retirement, the fully updated, fiftieth
anniversary edition of A Random Walk Down Wall Street remains the
best investment guide money can buy. Drawing on his experience as
an economist, financial adviser and successful investor, Malkiel
shows why an individual who saves consistently over time and buys a
diversified set of index funds can achieve above-average investment
results. He addresses current investment fads and critically
analyses cryptocurrencies, NFTs and meme stocks. Malkiel reveals
how to be a tax smart investor and how to make sense of recently
popular investment management techniques, including factor
investing, risk parity and ESG portfolios. Investors of every age,
experience level and risk tolerance will find the step-by-step
guidance they need to protect and grow their wealth.
*One of Glamour's Best Books of 2020* Popular podcast host and
personal finance expert Lindsay Goldwert explores what professional
dominatrixes can teach us about confidence, power, and happiness.
Imagine, for a moment, a world where the usual power dynamic is
turned on its head. Where women not only stop apologizing, but
seize-and enjoy-control. This is the quickly mainstreaming world of
BDSM (bondage, discipline, sadism, masochism)-and it has a lot to
teach women about empowerment, negotiation, open-mindedness, and
more. Journalist Lindsay Goldwert, intrigued by this seismic
cultural shift, traveled across the United States to meet the stars
of the subculture, who spoke frankly with her about their lives and
work. In this "lively, funny, thoughtful channeling of wisdom"
(Sara Benincasa, author of Real Artists Have Day Jobs), these Alpha
women show you how you can reset the power dynamic in any situation
to get what you want-whether it's from a husband, a boss, or
partner. They share strategies for revolutionizing not only your
sex life, but your career, your relationships, and most
importantly, your inner foundations. With bondage gear popping up
on the big screen, the runway, the red carpet, and in celebrity
lingerie lines, BDSM is officially moving out of the dungeon and
into the sun. Let Bow Down help you learn how to use it. "Whether
your fantasies lie in the bedroom or the boardroom, Lindsay will
give you the courage to go forth and dominate." (Sarah Cooper,
author of How to Be Successful without Hurting Men's Feelings).
You have spent a few decades working, earning a salary from your
employers, and saving into company and personal pensions along the
way. Now, retirement is approaching. How will you turn your savings
into a salary to pay for essentials and leisure time in retirement?
How will you make sure that you don't run out of money too soon?
What do the UK pension freedoms mean for you? In this one-of-a-kind
book, personal finance experts Richard Dyson and Richard Evans
answer these questions and equip you with everything you need to
know to turn your pension savings into an income that will last
throughout your retirement. You will learn: -- How to take control
of your pension savings by tracking down all of your pension pots
and combining them. -- When you can afford to retire. -- Steps to
take to avoid running out of money. -- How to build an
income-paying portfolio of fund investments from scratch. -- How to
withdraw a sustainable income from your portfolio. -- How annuities
work and whether they have a role for you. -- How to make the most
of the tax rules. -- The contribution made by the State Pension. --
When to seek professional advice.
The CFA Institute has announced that all 2021 exams will continue
to reflect the official 2020 curriculum. The Wiley Study Guides for
the Level II CFA Program exam are proven to help candidates
understand, retain, and master the CFA Program Curriculum, complete
with color-coded Study Guides and coverage of every Learning
Outcome Statement on the exam. Created from the distilled knowledge
of our staff of CFA charterholders and instructors, these books are
a highly effective and proven study aid filled with exam tips,
fundamental concepts, and in-depth examples. Our authors have used
their years of personal teaching experience with students from a
variety of backgrounds to develop study guides that improve the
study experience of CFA Level II candidates and include practical
and helpful tips and test-taking advice though-out the text. The
color-coding feature, which makes it easier for you to follow cases
and examples that make references to graphs and sets of financial
statements. Most subjects, especially Economics, Portfolio
Management and Fixed Income use plenty of figures and diagrams to
illustrate important concepts. Our study guides include all those
figures and additional commentary to make the material easily
understandable Just wanted to let you know I am VERY happy with the
notes. Much more clear than other providers! --Brian, USA The Study
Guides were more clearly and thoroughly (and yet somehow more
concisely!) written than the competitors.. --Vanessa, Spain Your
study guides, lectures and practice questions are really helping me
grasp these difficult concepts better. Thanks! --Amy, USA Wiley's
prep material was a huge part of my success on the exam... Thank
you so much for all of the support you have provided. I truly
believe in the Wiley products, and will be recommending them to
students for years to come. --Lindsey G, USA Looked at the
economics module you sent me, the notes at University do not even
come close, and its probably true for a lot of people, including
those who have already completed an honors degree or MBA at some of
the top universities around the world. --Geoffrey, South Africa
"Adam Smith continues to dazzle and sparkle! With the passage of
time, Supermoney has, if anything, added to its power to inspire,
arouse, provoke, motivate, inform, illuminate, entertain, and guide
a whole new generation of readers, while marvelously reprising the
global money show for earlier fans."
--David M. Darst, author of The Art of Asset Allocation Managing
Director and Chief Investment Strategist, Morgan Stanley Individual
Investor Group
"Nobody has written about the craft of money management with
more insight, humor, and understanding than Adam Smith. Over the
years, he has consistently separated wisdom from whimsy, brilliance
from bluster, and character from chicanery."
--Byron R. Wien, coauthor of Soros on Soros Chief Investment
Strategist, Pequot Capital Management
Supermoney may be even more relevant today than when it was
first published nearly twenty-five years ago. Written in the bright
and funny style that became Adam Smith's trademark, this book gives
a view inside institutions, professionals, and the nature of
markets that has rarely been shown before or since. "Adam Smith"
was the first to introduce an obscure fund manager in Omaha,
Nebraska, named Warren Buffett, and in this new edition, Smith
provides a fresh perspective in an updated Preface that
contextualizes the applicability of the markets of the 1960s and
1970s to today's markets. Things change, but sometimes the more
they change, the more they stay the same.
An eye-opening roadmap for becoming a millionaire and building the
foundation of generational wealth from a self-made,
first-generation multimillionaire. Demystify the path to wealth
once and for all with Dominique Broadway's unique strategy for
taking control of your finances and becoming a millionaire. Based
on simple steps and small decisions that build upon each other that
anyone can execute (even those who have never had money or who face
debt), The Wealth Decision includes: -What orange juice has to do
with building wealth (hint: it's about wanting the good stuff)
-Strategies for spending your way to wealth -One single question to
determine if you're on top of your money -How to avoid saving your
way to debt -A road map to score higher on your credit score
-Dominique's framework for picking the best investments for you
-What insurance has to do with your legacy Written with millennials
and Gen Zers in mind, The Wealth Decision first shows you how to
make that one decision to be wealthy. It then takes you through the
most important decisions you need to live a life of financial
freedom and ensuing strategies to build generational wealth and
become a millionaire. Worksheets, resources, visuals, quizzes, and
graphs bring Dominique's strategies to life. With information on
everything from crypto to day-trading to modern financial trends,
The Wealth Decision is a must-have for anyone looking to up-level
their financial situation.
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.
Join TikTok star Michela Allocca (@BreakYourBudget) for a crash
course in everything personal finance. Â When Michela was
working her first job in finance, she had an epiphany: even those
working with money professionally can have no idea how to budget,
invest, and spend once they get home! By the time she reached her
mid-20s, she was on a mission to help friends and colleagues who
wanted to do better with their own money. In Own Your Money,
Michela shares all the tools she used to manage, save,
invest, and set a routine that enabled her to save hundreds of
thousands of dollars in less than a decade of professional—and
freelance—work. You’ll find chapters that address: Â
Budgeting: Don’t make it a dreaded B-word! Learn about
various strategies including 50/30/20, zero-based, and 3-bucket
budgets. How to save: It’s all about being SMART (specific,
measurable, achievable, relevant, and time-bound). How to spend
money: That’s right, a plan for spending is important too! With a
quick analysis of values and priorities, you can spend without
feeling guilt—yes, even on fancy coffee. Investing: Learn the
difference between 401ks and IRAs, investment types from index
funds to target date funds, and relate it all back to core concepts
in investing (like diversification). Jobs and careers: If your
dream job doesn’t exist, join the club! Learn how to find
satisfaction through the tasks you want to do, networking, and
career pivots. Increase your earning potential: Set yourself up for
a raise/promotion, negotiate a job offer, and figure out if a side
hustle is right for you. With illustrations, helpful charts and
graphics, and templates to help you plan, this is a book that’s
meant to partner with you to achieve your financial goals.
Get your finances in order with smart budgeting and money
mindfulness You Only Live Once is the guide to achieving your best
life through smart money moves. Before you even begin making a
budget, you need to think about why. Where do you see yourself
financially in ten years? Five years? This time next year? What
does money do for you? Once you know your destination, you can
begin charting your course. Step-by-step guidance walks you through
the budgeting process, and shows you how to plan your financial
path to point toward your goals. You'll learn how to prioritize
spending, how to save efficiently, and how to take advantage of
simple tools you didn't know you had. Next comes the most important
part: taking control. You need to really look at how you perceive
and use money day-to-day. Chances are, changing a few habits could
give you some breathing room and help you reach your goals sooner.
You work hard for your money, yet there never seems to be enough.
You don't need to live like a pauper, but you need to be truly
aware of just where your money is going, and why. Financial
awareness is the key to a financially secure future, and this book
unpacks it all to help you get where you want to go. * Accept past
decisions and articulate your financial goals * Align your
lifestyle with your budget * Explore your relationship with money *
Re-evaluate financial habits and behaviors You know you need a
budget, but you never seem to get around to doing it. Or maybe you
did, but you can never seem to stick to it. Smart planning is a
major factor in financial security, and it involves just as much
introspection as math. You Only Live Once is more than a budgeting
guide it's a guide to revamping your financial behaviors to achieve
the life you want.
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