Never Fall Victim to Wall Street Again

Recently, most people have been victimized by the revenue generating machine that is Wall Street. The truth is, Wall Street only cares about making the most revenue they can from you.

You will learn:

The 20%/65% rule of investing in both bear and bull markets.

When and why to move your investments to cash.

Why agency relationships and suitability are a far cry from fiduciary responsibility.

How to convert your IRA to a tax-free Roth IRA using either a Home Equity Line of Credit, a Reverse Mortgage, or a Real Estate Option.

A way to pay off your 30-year mortgage in ten or eleven years.

How you can get rid of credit card debt in months, not years.

Why segmenting your money and using principal for income may put you in a lower tax bracket.

How to do a background check on your financial advisor annually.

What to look out for in regard to outlandish performance claims by financial advisors.

The strategies presented herein will teach you how to have a consistent process and a plan for your success. You will never again fall victim to Wall Street's shenanigans.

Many highly paid investment gurus will insist that successful investing is a function of painfully collected experience, expansive research, skillful market timing, and sophisticated analysis. Others emphasize fundamental research about companies, industries, and markets.

Based on thirty years in the investment industry, I say the ingredients for a successful investment portfolio are stubborn belief in the quality, diversification, growth, and long-term principles from Investments and Management 101. Unlike MBA textbooks, which tend to be more theoretical, Investment Discipline provides more practical insight into what works and what does not, based on my own errors and success and includes recommendations of what to repeat and what to avoid.

Investment Discipline contains no secrets and no magic equations. It discusses the most common mistakes and provides advice on how to avoid these errors in order to become a successful investor. It will guide you in your decisions, from setting up your investment objectives, conducting research, and buying/selling securities to adjusting your portfolio to achieve long-term returns that match your personal objectives.

You will learn how to:

- Define your investment profile and your specific objectives;

- Establish a sustainable investment process based on your objectives;

- Analyze information and perform your own research; and

- Make sound investment decisions.

Famous investment professionals, such as Warren Buffett and Peter Lynch, have made mistakes, but they did not repeat them. They held on stubbornly to their investment approach and showed discipline over a long time period, resulting in superior returns. Obviously they were lucky as well; however, they played the numbers right, and over time their performance was better than the performance of their peers.

In Investment Discipline, you will learn how to become a successful, disciplined investor.

People often do not fully understand the consequences of their choices when it comes to their money, leaving them vulnerable to overspending and financial crises. Financial literacy contributes to alleviating this problem. Good financial decision making has a positive influence on overall wellbeing, allowing people to maximise their opportunities and lead more fulfilling lives. Personal finance teaches individuals financial skills so that they can manage their money better.

Personal finance encompasses many areas and core topics such as decision making, cash-flow management, savings, credit, debt, housing and planning for the future. Useful websites and appendices are provided for additional information and reading.

Probably the most famous book ever written on making money in Real Estate. Twenty years since HOW I TURNED $1,000 INTO ONE MILLION IN REAL ESTATE IN MY SPARE TIME was published, scarcely a day passes but someone asks, Is it still possible to follow your formula to make a million? Or has there been a major change?' Opportunities for the average person today are better than ever before. The basic investment formula has not changed. Nor is it likely to, for it has become accepted by experienced Realtors the world over as the established Real Estate Bible. Now, the original success story, how the author turned $1,000 into a Million dollars, then into Three Million and now into Five Million, in his spare time. Unbelievable? Start reading and see. This book show how with average ability, average savings and average luck, you can become a millionaire.

Tired of getting caught up with the mentality of a bunch of Wall Street bulls and losing your money? Then get ready for a no-nonsense investment book designed to help you and your family achieve your financial dreams. Martin Krikorian, founder and president of Capital Wealth Management, shares the secrets that brokers and reporters don't want you to know. Topics covered include: How to determine if your financial adviser is acting in your best interest Why you should avoid load funds How to detect hidden fees when buying mutual funds Calculating how much money you'll need to retire Building a better 401k portfolio How to achieve higher returns with less risk How to determine your risk tolerance level The advantages of investing in index funds Why stock picking and market timing are a fool's game Why every investor should have bonds in their portfolio The importance of asset allocation And much more Stop losing money and putting your retirement and family's livelihood at risk. Take charge of your life and learn the 10 Chapters to Having a Successful Investment Portfolio

Many people find financial planning and financial choices overwhelming. In planning for retirement, people find it difficult to look after their finances as they lose sight of what their financial objectives are. But this planning does not have to be complicated or grueling. In How to Enrich Your Retirement, author and financial planner John T. Cross provides practical information on how to enjoy a happy and prosperous retirement and reduce the amount of inheritance tax you pay.

To enrich your retirement, Cross encourages you to unbundle your thinking, change your mind-set, and take the following steps: Determine your basic retirement financial strategy Discuss plans and priorities with your partner (if you have one) Stop accumulating; start spending Think of your capital as a reservoir of money that will provide you with the necessary income Gear your investments to produce more income Realize you will probably live longer than you think Enjoy your money Although geared toward United Kingdom residents, all of the investment principles are universal. With the right planning, retirement can be the happiest time in your life.

AUTHOR BIO
John T. Cross has worked in the financial services industry for thirty-five years and is a principal partner of wealth management group, St. James Place, and member of the Million Dollar Round Table and Top of the Table. Visit him online at www.sjpp.co.uk/johncross.