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Books > Health, Home & Family > Self-help & practical interests > Personal finance
A personal code for living a better, happier, more successful kind
of life.
Long-Term Care: Planning for Finance, Medical, and Living Expenses
We're living exciting bonus years--decades that our parents and
grandparents didn't have. But how to navigate this complex terrain?
Questions abound around long-term care planning: Where to live? How
to get the best medical care? What to do about advance directives,
wills and trusts, and estate planning? And how to pay for it all
after you retire? Getting accurate information and answers wasn't
easy. Until now. AARP's Navigating Your Later Years For Dummies
helps you and your family understand the growing range of
opportunities. Even more importantly, it helps you chart the next
steps to live the life you choose, as independently as you choose,
no matter your specific circumstances and needs. This book: Covers
home modifications so that you can stay at home safely for as long
as you like Lays out the opportunities and costs associated with
independent living, assisted living and other options Gives you a
range of driving and transportation alternatives Helps you navigate
the healthcare system, Medicare, and Medicaid Sorts out the various
sources of care at home Reviews the legal documents you should
prepare and update Helps you determine whether you need long-term
care insurance Gives you guidance on talking with your family about
sensitive issues, including your wishes as you age With this new
comprehensive book, you'll get the credible information and
resources you need to face the challenges facing us as we live the
life we choose. Here, finally, is a roadmap for you and your family
to best understand, and plan ahead.
How does money figure into a happy life? In The Geometry of Wealth,
behavioral finance expert Brian Portnoy delivers an inspired
answer, building on the critical distinction between being rich and
being wealthy. While one is an unsatisfying treadmill, the other is
the ability to underwrite a meaningful life, however one chooses to
define that. Truly viewed, wealth is funded contentment. At the
heart of this groundbreaking perspective, Portnoy takes readers on
a journey toward wealth, informed by disciplines ranging from
ancient history to modern neuroscience. He contends that tackling
the big questions about a joyful life and tending to financial
decisions are complementary, not separate, tasks. These big
questions include: - How is the human brain wired for two distinct
experiences of happiness? And why can money "buy" one but not the
other? - What are the touchstones of a meaningful life, and are
they affordable? - Why is market savvy among the least important
sources of wealth but self-awareness is among the most? - How does
one strike a balance between striving for more while being content
with enough? This journey memorably contours along three basic
shapes: A circle, triangle and square help us to visualize how we
adapt to evolving circumstances, set clear priorities, and find
empowerment in simplicity. In this accessible and entertaining
book, Portnoy reveals that true wealth is achievable for many -
including those who despair it is out of reach - but only in the
context of a life in which purpose and practice are thoughtfully
calibrated.
An essential resource for workers navigating their retirement and
pension options, from the labor organizer's perspective.
Researching retirement plans should not take the rest of your life,
even if deciphering the relevant paperwork seems to have become a
full-time job. Deliberately elaborate legalese is obscuring the
efforts of financial elites to seize control of workers' collective
retirement savings--and The Labor Guide to Retirement Plans is here
to translate. Neoliberal retirement reforms have escalated elites'
efforts to replace guaranteed workplace retirement plans with weak
401(k)-like savings accounts and risky stock market investment
schemes. The result is arguably the largest source of labor value
expropriation over the last four decades. In light of all this,
what do workers need to know as they assess their future
prospects--especially in terms of the security their retirement
plans may or may not bring? What should union activists keep in
mind as they push for the national and workplace reforms needed to
produce greater retirement security? This nuts-and-bolts book
provides a much-needed demystification of the retirement system.
Even more than that The Labor Guide to Retirement Plans enables us
to take charge of our own personal futures, as a first step towards
taking back what belongs to us all.
Leverage algorithms to take your investment approach to the next
level Digital Wealth: An Automatic Way to Invest Successfully
reveals core investment strategies that you can leverage to build
long-term wealth. More than a simple review of traditional
investment strategies, this innovative text proffers digital
investment techniques that are driven not by people but by
algorithms. Supported by asset allocation research, the secrets
shared in this forward-thinking book have underpinned cutting-edge
investment firms as they integrate algorithm-based strategies. In
addition to presenting key concepts, this groundbreaking resource
explains how these concepts can give you an edge over the
professionals on Wall Street through details regarding achieving
financial security and meeting financial goals rooted in a firm
foundation in behavioral finance, portfolio tilts, and modern
portfolio theory. Investment strategies have evolved from one
generation to the next, and the ability to leverage new digital
tools calls for another overhaul of traditional investment
concepts. Investment techniques implemented by algorithm rather
than by human monitoring can, in some cases, prove more successful.
The key to a balanced portfolio is understanding what these
algorithm-based strategies are, and how to best use them. * Explore
insights from multiple Nobel Prize winning academics that can give
your investment strategy an edge * Consider how technology can open
up powerful techniques to mainstream investors, including tax-loss
harvesting and automated rebalancing * Discuss how cost
minimization and a strategic tax approach can boost your
portfolio's compound growth * Identify strategies that support the
long-term growth of your wealth Digital Wealth: An Automatic Way to
Invest Successfully is an essential text for sophisticated
individual investors and investment consultants alike who want to
explore how digital tools can bolster financial success.
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Spent
(Paperback)
Sally Palaian
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Leading psychologist and financial commentator Palaian offers a
tested, step-by-step guide to help people break the spending
obsession by looking within. Today, Americans are saving less,
carrying larger debt loads, losing their homes to foreclosure, and
filing bankruptcy in record numbers. Yet, people continue to spend
more than they can afford.The advice of financial planners only
treats the symptoms of overspending. In Spent, Sally Palaian offers
proven plans for taking on a range of personal issues with money by
examining those underlying emotional, familial, and societal
factors that trigger spending behaviors.Spent teaches readers to
control shopping, pay off debt, develop budgets, and become
financially competent through: easy-to-use assessment tools
designed to pinpoint the severity of a problemquestionnaires that
facilitate the exploration of the root causes of unhealthy
financial behaviorsuser-friendly exercise created to influence
change from withinPalaian's system for financial recovery is also
designed to help hoarders, financial codependents, and
underachievers attain lasting, positive change and a healthy view
of one's true value in life.Leading psychologist and financial
commentator Sally Palaian offers a tested, step-by-step guide to
help people break the spending obsession by looking within. She has
spoken about financial disorders for various therapy associations
and has served as an expert in the media on mental disorders and
spending, most recently for MSN Money.
Spend like a miser, profit like a mogul
Who says you have to spend money to make money?Savvy real estate
investors follow the examples of Donald Trump and Walt Disney,
turning substantial profits on properties without incurring the
debt, risk, and maintenance costs of ownership--and now, so can you
In How to Make Money with Real Estate Options, real estate expert
Thomas Lucier introduces you to the low-risk, high-yield investment
vehicle that can earn big bucks even for small investors. Lucier
explains what real estate options are, how they work, and why they
are the tools of choice for thousands of successful investors. Step
by step, he shows you how to:
* Locate potential option properties using the Internet, want ads,
and "bird-dogs"
* Contact and negotiate with property owners
* Perform due diligence and avoid options pitfalls
* Prepare an option agreement that protects you
* Insure real estate options with title insurance
* Package and sell optioned properties for optimum profits
Packed with no-nonsense advice on how to identify the most
profitable properties and manage every step of the option process,
How to Make Money with Real Estate Options is a practical guide to
one of the secret weapons of savvy investors.
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.
Priceless finance advice everyone can relate to from one of the
world's most respected businessmen and the most successful investor
of all time Of course you know who Warren Buffett is; he's the most
successful investor in the world maybe of all times. But what do
you know about his approach to business and investing? It's an
approach that, over the past four decades, has made him richest man
in America and the third-richest man in the world, and that has
earned vast fortunes for his business partners and investors. But
as Buffett himself will tell you, at the heart of any
wealth-building system there are certain core beliefs, not just
about finance, but about business, work, morality, your
responsibility to yourself, your family and society, and about
living a decent life. Written in conjunction with the hit
television series, "Secret Millionaire Club" and with Buffett's
input and full support, this book makes Buffett's financial
philosophy and homespun life lessons available to everyone outside
his "Secret Club." * Warren Buffet's goal in spearheading this book
was to share lessons about personal finance he has learned and that
he hopes will benefit you (and your kids) for a lifetime * You'll
learn the fundamentals of personal finance by reading Warren
Buffett's war stories and personal reflections on money, life,
business, ethics and more * All of the finance principles covered
in the book were personally approved by Warren Buffett as those
which he himself follows * Unforgettable Buffett quotes include:
"Price is what you pay. Value is what you get"; "Risk comes from
not knowing what you're doing"; and "Profit from folly rather than
participate in it."
The Daily Telegraph Guide to Investing is your complete guide to
the reliable opportunities and exciting niches that could help you
boost your bank balance and make the most of your cash pile. The
world of stocks, shares and investments can seem intimidating but,
with the right information at your disposal, you will be able to
work out how best to protect and boost your savings. Whether you're
a total beginner or a more experienced investor keen to learn about
some new options, this easy-to-understand guide covers many of the
various asset classes and alternative investments that are
currently available to you. Each investing opportunity is assessed
for levels of risk and potential of returns, from the safer options
(including bonds, equities, ETFs, gold and property) to the riskier
(including buy-to-let, FOREX, cryptocurrencies, futures and
options). The Daily Telegraph Guide to Investing gives you the
straight forward advice you need to make sensible decisions about
your hard-earned wealth. From the glamorous (including fine wines,
whisky, classic cars) to the quirky (including Lego, stamps,
memorabilia), this guide will give you a firm understanding of
investment principles and what to look out for. Technical terms and
phrases are all made clear and full guidance is provided on the
potential pitfalls, dangers and scams that can face investors.
Everyone deserves to be able to retire with dignity, but this core
feature of the social contract is in jeopardy. Companies have
swerved away from pensions, and most of the workforce has woefully
inadequate retirement savings. If we don't act to fix this broken
system, rates of impoverishment for senior citizens threaten to
skyrocket, and tens of millions of Americans reaching retirement
age in the coming decades will be forced to delay retirement and
will experience a dramatic drop in their standard of living. In
Rescuing Retirement, Teresa Ghilarducci and Tony James offer a
comprehensive yet simple plan to help workers save for retirement,
increase retirement savings by earning higher returns, and
guarantee lifelong income for everyone. Built on people's own money
in individual Guaranteed Retirement Accounts, the plan requires no
new taxes, no more bureaucracy, and no increase in the deficit.
Speaking to Americans' growing anxiety about their ability to
retire, Rescuing Retirement provides answers to anyone wanting to
understand the growing movement to protect a period of life once
considered a deserved time of rest and creativity and offers a
practical guide to the future of secure retirement.
"The seminal guide to the new morality of personal money
management" ("Los Angeles Times"(on the first edition))
In an age of great economic uncertainty when everyone is concerned
about money and how they spend what they have, this new edition of
the bestselling "Your Money or Your Life" is an essential read.
With updated resources, an easy-to-use index, and anecdotes and
examples particularly relevant today-it tells you how to:
? get out of debt and develop savings
? reorder material priorities and live well for less
? resolve inner conflicts between values and lifestyle
? save the planet while saving money
? and much more
"In Your Money or Your Life," Vicki Robin shows readers how to gain
control of their money and finally begin to make a life, rather
than just make a living.
"Cagan makes the case that a budget isn't a buzz killer. It's
financial salvation." -The Washington Post Don't break the
bank-learn to create and stick to a budget with this comprehensive,
easy-to-understand guide to saving money sensibly in this edition
of the popular 101 series. Sometimes, it can seem like saving money
is impossible. With everyday expenses, from groceries and gas, to
the electric bill and lunch money, as well as those unexpected
expenses, like car repairs and medical bills, getting-and
keeping-control of your finances can feel overwhelming. With
Budgeting 101, you can start saving now. This clear and simple
guide provides tons of practical advice for keeping track of your
finances. With useful tips on setting financial goals, reducing
debt, finding ways to save money, and creating and following a
budget plan, you'll have your dollars and cents under control in no
time. Why spend more of your hard-earned money on a financial
advisor? Filled with expert advice on a wide range of the most
common financial concerns and step-by-step instructions to managing
your money both now and in the future, Budgeting 101 has you
covered.
A Wall Street Journal bestseller Financial expert, investment
advisor and New York Times bestselling author James Rickards shows
why and how global financial markets are being artificially
inflated and what smart investors can do to protect their assets
------------------------------------------------------------------------
The evidence of the past ten years proves that the most devastating
financial crisis yet is just around the corner. The global elites
are ready to protect their wealth. Are you? In Aftermath,
bestselling financial expert James Rickards sketches the harrowing
economic crisis that's right around the corner and identifies the
asset classes that are most-and least-exposed. Provocative,
stirring, and full of counterintuitive advice, Aftermath is the
book every smart investor needs to get their hands on - as soon as
possible.
The first book of its kind to introduce a model to help you create
conversations about money with your clients, "Money and Meaning"
provides a framework and tools to provide a safe environment in
which to have conversations and resolve conflicts. Written by a
respected expert in business, financial, and relational issues,
"Money and Meaning" is filled with useful case studies and helps
you open the door to thoughtful conversations that explore and
resolve money's multiple meanings.
Money is the number one problem area for couples because money isn't simply about dollars and cents. If you scratch the surface of almost any money issue, you'll find a relationship issue complicating if not actually driving the problem. That's why You Paid How Much For That? not only sound reveals principles of money management but also provides you with practical tools to uncover and understand the deeper, often hidden meanings of money and conquer the problems it raises in your relationship. You Paid How Much For That? can help you to - Learn how a Saver and Spender can live together-happily!
- Gain a healthy respect for what money can-and can't-do for you.
- Understand how your upbringing, culture, and gender influence how you and your partner approach relationships and money differently.
- Find out how to solve problems together in ways that promote teamwork.
- Discover practical ways to get what you both want most.
- Capture a vision for a prosperous and loving future together.
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