Environmental, Social, and Governance (ESG) Investing: A Balanced Analysis of the Theory and Practice of a Sustainable Portfolio presents a balanced, thorough analysis of ESG factors as they are incorporated into the investment process. An estimated 25% of all new investments are in ESG funds, with a global total of $23 trillion and the U.S. accounting for almost $9 trillion. Many advocate the sustainability goals promoted by ESG, while others prefer to maximize returns and spend their earnings on social causes. The core problem facing those who want to promote sustainability goals is to define sustainability investing and measure its returns. This book examines theories and their practical implications, illuminating issues that other books leave in the shadows.

Because You Can’t Take it with You Getting Started in Estate Planning "I think it’s irritating that once I die, 55% of my money goes to the United States government.… When you leave a house or money to people, then they’re taxed 55%, so you’ve got to leave them enough so that once they’re taxed, they still have some money." — Oprah Winfrey (from The Wall Street Journal, July 28, 1999) Few of us are as rich as Oprah, but whether your estate consists of an old Ford Thunderbird, your beloved dog, or millions of dollars in property and cash, in most cases, it will be left behind after you’re gone. As baby boomers approach retirement age and 401 (k) plans, stock options, and inherited wealth continue their dramatic growth, estate planning is increasingly necessary. Unless of course, you are content to leave your assets to your silent heir—the IRS. Getting Started in Estate Planning helps you take control of the planning process by sharing easy to-understand, proven strategies that everyone can use, either alone or with a professional planner, to protect their heirs for the future. Personal finance columnist Kerry Hannon helps you stop procrastinating and start establishing your goals, with guidance on such critical issues as:

• Determining the best way to dispose of your assets—and take care of your liabilities
• Deciding who should receive what—and when
• Providing for the care of minor children
• Lowering taxes so your heirs get the maximum benefits of your estate
• Choosing executors
• Surrendering ownership of assets
• Making your wishes known
• Special situations, including those of gay and lesbian couples and small business owners
• Ruling from the grave—when to let go
• Making changes as you go along

Filled with accessible strategies that are useful for all ages, Getting Started in Estate Planning will help you ensure that today’s assets go where you want them to go tomorrow.

EXPERT ADVICE FOR EVERYDAY SUCCESS!

The coauthor of the bestselling Getting Started in Online Investing now brings her winning expertise to the increasingly popular day trading arena—along with the methods of today’s most consistently successful trading practitioners. From a solid overview of the functional basics to a frank assessment of the pros and cons of day trading, Getting Started in Online Day Trading provides you with the know-how to begin, the information to speculate on the future of the medium—and the knowledge to decide if day trading is right for you. In this indispensable book, Bentley:

• Approaches day trading by examining the basics from the perspective of the novice trader
• Shares her years of experience and industry connections in online finance, and introduces you to some of today’s top traders
• Offers an in-depth analysis of the challenges and realistic rewards of online day trading

Get the solid, accessible, and practical guidance you’ve come to expect from the Getting Started In series with this outstanding and timely resource for today’s hottest investment vehicle.

Insight and advice on mastering the art of investing-from some of the biggest names in the business
This invaluable volume presents what the experts' experts-Peter Bernstein, Gary Brinson, Foster Friess, John Neff, Barr Rosenberg, Mark Mobius, William Gross, and William Sharpe-have to say about risk, asset allocation, growth investing, index funds, value investing, quantitative analysis, fixed-income securities, and emerging markets.
"Essential reading for both novice and expert investors, the profiles in Beyond Wall Street show how the country's most successful investors make money. Read this and learn what it takes to come out on top."-Jane Bryant Quinn, Newsweek columnist, Author of Making the Most of Your Money
"Beyond Wall Street achieves a laudable balance between human drama and sage advice, and the sages involved are some of the finest investors of our time."-Ed Finn, Editor, Barron's
"This book serves a delicious blend of the techniques and biographies of some of the greatest professional vestors and financial scholars. Anyone serious about long-term investment success will profit from the indispensable insights of these diverse masters."-Roger A. Segal, Investors' Bookshelf (TheStreet.com)
"This book is a wonderful source of knowledge for investors ranging from novice to professional. We can all learn something from today's most accomplished thinkers and practitioners."-Elizabeth J. Mackay, CFA, Chief Investment Strategist, Bear, Stearns & Co. Inc.

Here are money-making secets that can change your life. Inspired by Andrew Carnegie's magic formula for success, this book will teach you the secrets that will bring you a fortune. It will show you not only what to do but how to do it. Once you learn and apply the simple, basic techniques revealed here, you will have mastered the secret of true and lasting success. And you may have whatever you want in life.


From the Paperback edition.

An all-you-need-to-know introduction to the employer-sponsored retirement plan that has revolutionized the way we save
* Smart Ways to save with automatic payroll deductions and pretax contributions that let you earn more money and pay less taxes NOW and when you retire
* Smart Advice on how much to contribute and what you need to know about your investment options, including advice on stocks, mutual funds, and bonds
* Smart Insights into retirement alternatives with the traditional IRA and the new Roth IRA
* Smart Tips on borrowing and withdrawing money from your 401(k) and IRA to buy a home or pay for college
* Quick reading and easy referencing with a comprehensive index and loads of sidebars and tables

Smart Guides take readers seriously. They satisfy even the most curious person's desire to know the essentials about any of a wide range of topics--from vitamins to mutual funds to stress relief. It's all about good reading and expert information. The choice is yours.

"This book is an incredibly fun read. The style is a lot of People magazine, with a little Smart Money magazine thrown in for good measure."—Detroit Free Press

"Americans have ample role models for how to spend money, but too few on how to save and invest it. Jean Chatzky's new book may change that, however. By showing us how celebrities have incorporated financial decision-making into their lives, this book sends a powerful and valuable message that investing is something that all of us can, and indeed should, do."—Don Phillips President, Morningstar, Inc.

"Jean has revealed the true innermost secrets of the '90s—how accomplished people make, spend, and invest their money. A good read and great advice all in one."—Donna Hanover broadcast journalist and First Lady of the City of New York

"A book that shows the rich and famous have money problems, too, and how we can avoid them. Jean Chatzky makes learning how to save like the rich and famous lots of fun!"—Al Roker NBC Today

Smart Tips on setting up a realistic budget that works for your individual circumstances

Smart Ways to stick to your budget, establish savings, invest wisely, and develop good credit

Smart Advice on overcoming previous credit problems, choosing the right bank, and finding a trustworthy broker or accountant

• Smart Advice on the most effective ways to take control, plan ahead, and stop living paycheck to paycheck
• Smart Tips for getting the best rates on credit cards, buying or leasing a car, and purchasing a home
• Smart Insights on maximizing your health and life insurance benefits, reducing your taxes, and ensuring that your estate goes to your heirs rather than to the government
• Quick reading and easy referencing with a comprehensive index and loads of sidebars and tables

Alfred and Emily Glossbrenner have written more than fifty books together, including Online Resources for Business and Making More Money on the Internet. They live in Bucks County, Pennsylvania.

Taking Care of Finances While Taking Care of a Loved One

Caregivers face a unique set of challenges, including managing money matters. This indispensable new guide provides a sound action plan for overcoming this formidable hurdle, offering practical information, helpful tips, and invaluable advice on how to successfully juggle personal finances with the cost of caring for a loved one.

"A clear map through the many mazes of caregiving issues, with information on how they will affect the caregiver, the care recipient, and their families. Guidance, good counsel, and help for all caregivers, from those thinking about caregiving to those just starting and those who are veterans." —Louise G. Fradkin, cofounder, Children of Aging Parents.

"If you find yourself in the role of caregiver to a loved one, The Cost of Caring is an excellent tool. Not only do the authors go through the ABCs of what you need to do and when, they provide you with specific resources that can help you each step of the way. I will highly recommend it to my clients." —Mark Spangler, CFP, Former Chairman of the Board, National Association of Personal Financial Advisors.

Control your spending, save money, regain peace of mind, and make your life happier and healthier with Kakebo-the traditional Japanese method of money management that is still widely used today. Having enough money to live is one of the most important factors affecting our health. Trying to balance expenses-utility bills, housing, healthcare, food, and for many, the costs of raising children (not to mention paying for college!)-leaves us worried and stressed. But there is a solution: Kakebo, a practical, proven method that helps you keep track of every penny, manage spending, and save up to thirty percent more! With this invaluable guide you'll interact with your spending every day for two years, and learn how to manage your personal budget. Designed like a diary, it allows you to record all your daily expenses week by week so you can see exactly where your money goes. Each day is divided into four categories: 1. primary needs-food, personal hygiene, children; 2. optional needs-shopping, cosmetics, gifts; 3. culture and free time-restaurants, books, entertainment; and 4. extras/foreseeable expenses-such as travel, repairs, tuition, and taxes. Kakebo begins with setting a monthly budget. At the beginning of each month, enter your fixed incoming funds and outgoing expenses, and set a savings target. Then, each day, record your various expenses. By keeping close tabs on what you're spending, you'll be able to identify the waste and see the most significant areas where adjustments can be made. Kakebo also offers practical and motivating tips that teach you how to save more successfully. Kakebo isn't just about money-it helps to develop self-awareness, self-discipline, and self-esteem, and promotes peace of mind. Best of all, you can begin any time of year-individually marking the months and days without wasting any pages. Plus, its simple yet inviting for-color graphics help you break down each expense and easily identify see where adjustments need to be made.

Do you wish you could be savvier with money but find it too daunting? Do you wish you were more in control of your finances but find yourself avoiding taking action? Then this is the book for you. Personal finance expert Jo Thresher takes a look at all of the reasons you might give for not getting to grips with your money, and offers advice, ideas and inspiration to help you change that. No time to get organised? Scared to look at your bank statement? Think you're a shopaholic? Not money minded? Overcome all of these excuses and many more. Improve your relationship with your cash and feel more secure, more relaxed and more in control.So what's YOUR excuse?

Many investors today are making huge profits on real estate investments. The key, however, in investing is not the profit, but what you actually get to keep after taxes. This new book will provide a road map with hundreds of methods and insider tax secrets to help you keep more of what you earn. Real estate investors face unique tax problems from the sale of real estate. You will learn how to implement tax savings programs successfully to reduce or eliminate the resulting income tax from the sale of real estate. You will learn how to use the IRS tax code to your advantage through depreciation, 1031 exchanges, shielding income, deferring income taxes, handling capital gains taxes, building wealth, creating a self-directed IRA, making installment sales, setting up annuity trusts and charitable remainder tax-advantaged trusts. You will learn about exemptions, exchange rules, tax shelters, tax-exclusion credits, sheltering your assets from creditors, and ultimately you will learn how you can retire rich and early with tax-free real estate investments.

After Steven Scott flunked out of six jobs in his first four years after college, his best friend, Gary Smalley, offered one simple suggestion that would transform his life: study a chapter in Proverbs every day. Two years later, using the amazing strategies he gleaned from Solomon, Scott started a small company with a partner. Within six months their business was making over a million dollars a week. In the years since they have built more than a dozen multimillion-dollar companies. In addition, by applying the wisdom of Proverbs to his personal life, Scott restored his relationship with his estranged wife.

In this life-changing book, Scott reveals Solomon s hidden treasures often-overlooked wisdom for achieving breakthrough success in one s work, health, marriage, and relationship with God. Readers will discover how to...

·master life s most important skill
·achieve extraordinary success in business, finance, and marriage
·resolve and win any conflict
·overcome the most destructive force in relationships
·prevent the single greatest cause of financial loss

The Richest Man Who Ever Lived powerfully and practically equips readers to apply Solomon s inspired wisdom to accomplish their business, relational, and spiritual purposes.

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.