"Michael Masterson has personally helped more people achieve financial independence than anyone else I know. He has been a valuable mentor in my own life. Michael's credentials go far beyond the fact that he is an extremely successful businessman. (There are thousands of those.) He has a unique gift for discerning--and explaining in easily accessible terms--what it really takes to succeed. Automatic Wealth for Grads will give any young person a tremendous headstart for achieving their financial and professional goals at a very young age."
--Justin Ford, author of Seeds of Wealth: An Incredible Wealth-Building Plan for Your Children and Editor of Main Street Millionaire

"Only time will tell whether you will have the guts and honor to follow Masterson's masterful plan. Good luck!"
--From the foreword by Mark Skousen, Adjunct Professor, Columbia University, 2004-05 and Benjamin Franklin Chair of Management, Grantham University

Organized around proven wealth-creating principles, this invaluable guide reveals powerful techniques and strategies that have personally worked for Michael Masterson as well as for the many people he's helped become wealthy and successful.

Filled with in-depth insights and practical advice, Automatic Wealth for Grads will show you how to: Choose a great career, get your first job, and rise to the top of your field Continuously increase your income on a fast-track basis, and get the biggest raises of your life Profit from the real estate market--even in today's uncertain market Start or gain equity in a business that will provide an automatic future income stream Invest in the stock market, save money on taxes, make purchases that appreciate, reduceyour credit costs, and achieve financial independence while you are still young enough to enjoy your money

This book offers a basic reference, new material and teaching supplements to graduate students and researchers in economics, finance and insurance. The book is divided into two main parts. Part I contains six survey articles on different subjects that represent significant developments over the past years: optimality of insurance contracting, liability insurance, moral hazard, adverse selection, insurance pricing and econometric estimation of accident distributions. Part 2 extends the recent literature by presenting fourteen essays on different subjects of current research in: (a) the theory of insurance economics covering nonlinear expected utility, prudence, deviant beliefs, incomplete markets, increases in risk, ambiguity; (b) problems of information including moral hazard and competitive markets, adverse selection and probationary periods, incomplete information and risk categorization; and (c) empirical studies on workers' compensation, adverse selection and the effects of no-fault in automobile insurance. Each paper is presented with an abstract and keywords, and can be read independently of the other contributions in the volume.

In 1999, according to IRS data, my family got into the first 5% of American households by income. Surprisingly, we were not rich. We still were uncomfortable about the time when our kids will go to a college, and our retirement plans were far from clear, but it was not too bad either. We were able to have what we need, keep accounting loose, and the balance on the checking account was still slowly but persistently coming up. In 2001, with the dot-Com melt, my company had downsized and I lost my job as a software developer. We started to live on my husband

Mom's Got Money is a mother's guide--an instruction manual to help them use the skills they already possess to become extraordinarily confident managers of their money. Alford won't pretend mothers don't have a lot on their plate. She already knows they're pressed for time. The weight of their daily decisions takes a toll. Sometimes, it feels like they manage everything, whether they have a supportive spouse or not. She knows this because it's that way in her house too. However, we all have a choice on how to handle that responsibility, and Alford thinks we can flip the script. Instead of being frustrated or feeling resentful, Alford teaches moms how to recognize their own strengths and develop true financial confidence. Once readers master Alford's money lessons, they'll start to truly enjoy money. Vacations are more fun when they're already planned and paid for. Christmas shopping is a breeze when you have a fully funded holiday spending account. Never worry about the worst that can happen because you have a fully funded emergency fund and life insurance. Feel in control of your bills, caught up, and with room to spare. In this book, you'll learn how to: Become an exceptional leader of your family with a growth mindset Calculate your net worth Effectively budget and manage your household cash flow Work with your spouse or partner on financial goals Understand what impacts your credit score Ensure you pay all your bills on time, every time Make sure you plan for emergencies Protect your family by buying term life insurance Do the math on childcare costs vs. career costs when having a family Plan and save for holiday spending, birthdays, and special events Learn the art and joy of giving Ideal for moms everywhere, but especially new and millennial moms, Mom's Got Money is an indispensable guide to taking financial control of your life.

What we earn today is worth less tomorrow. So, what can we do about it? How can we future-proof our finances? The answer is simple: invest.

When it comes to investing you might have a few assumptions (you have to be rich to invest, it's too risky, you need to be a 'professional'), are bombarded with financial jargon (index, funds, stocks, shares) or are not sure where to start. Kalpana Fitzpatrick, financial journalist and money expert, will help you take control of your finances with this easy-to-understand guide to investing.

Invest Now is an essential book that will teach you:

• What investing is and why you need to care about it
• How investing works and why cash is making you 'poor'
• If investing is for you and how to get started
• How to ethically invest to save the planet
• Break down financial jargon, bust myths and so much more.

Whether you want to make a big purchase or retire early, investing will help you achieve your financial dreams.

End financial stress for good and learn how to manage your money-without a change to income! Studies have shown time and time again that money is a leading cause of stress-but a life free from financial worry isn't exclusive to the rich and powerful. End Financial Stress Now gives you practical, actionable instructions you need to improve your money management-no matter what your income level is. You can learn how to achieve the mindset of financial flexibility, which can help you navigate any money issues you face. These practical, step-by-step instructions on budgeting can help you track expenses, pay off debt, and save money. Featuring straightforward advice on how to increase self-discipline so you can stick to your budget as well as techniques to help you identity misinformation and false beliefs you have about money, you can follow this guide to create a fulfilling life free of financial stress.

The best things in life are free! It's possible to enjoy fun-packed days without it costing you a fortune - or anything at all! Let the suggestions in this book inspire you to live out some amazing experiences without spending a thing. Bursting with ideas for cost-free activities, tips to help you live more economically, and pages for you to record your adventures, this book is the ultimate guide to thrifty fun.

The founder of the dfree (TM) movement's twelve attainable steps to financial freedom. This book is not just another financial literacy program that assumes that all people need is information. Drawing on his personal experience and years as a pastor, public policy maker, and community leader, DeForest "Buster" Soaries, Jr. shares a groundbreaking, life-changing approach to financial wellness that views financial bondage as an emotional, spiritual, and psychological problem. The dfree (TM) movement provides twelve easy, attainable steps to help you: Get started on your debt by admitting the problem, addressing the mess, and adjusting your attitude Get control by creating a spending plan, becoming accountable, and setting goals Get ahead by building wealth, planning your will and estate, and celebrating your success And give back by investing in others, through tithing, mentoring, and leading your own dfree (TM) movement If you want to live a debt-free life with the financial freedom to travel, purchase a home within your means, and enjoy retirement without the burden of pay excess monthly bills, then this book is for you. Eliminating debt is the first step toward financial freedom. And YOU can do it.

Are you young and feeling left behind financially? It doesn’t have to be this way. The UK’s leading millennial money expert, Iona Bain, is on a mission to help young people own their futures, once and for all. Low wages, high house prices, zero reward for saving and the catastrophic fallout from Covid-19... young people have had a rough ride. But we have a choice. We can sleepwalk into a poorer future – or we can transform our prospects by embracing the power of investing. Iona is here to demystify savings, pensions and investing for a new generation. Whether it's robo-advisers or auto-enrolment, green investing or forex on Instagram, Iona will break down what it all means so YOU can take charge of your long-term finances. In this fun, wise and incredibly helpful book, Iona explains why investing matters. She also shows you how to get your basic finances right, save for your first home and make your pension socially responsible. You'll find out all about the rewards and risks of online investing, from sexy stockpicking apps to digital wealth managers, and learn how to manage your long-term finances so you can avoid major mistakes and achieve your goals. Investing often gets a bad rep thanks to the Wolf of Wall Street, social media scams and high-rolling money men. In fact, investing has never been more accessible, more interesting – and more important. It’s the single biggest thing that we can do to change our lives, and society, for the better. So what are you waiting for? Let’s start owning it!

According to author J. F. Swartz, we are all victims of a crime. Bankers and politicians have already stolen our standard of living, even though we may not realize it yet. They are destroying the purchasing power of our dollars by the unprecedented creation of money by the Federal Reserve. Central banks the world over are printing more money than ever before, making the situation even worse.

"Theft of the American Dream" leads us through the maze of deception in an easy-to-read, irreverent, yet insightful style, while explaining the structural flaws in the US financial system and how these flaws could soon destroy unwitting middle class Americans. Swartz provides practical steps to take to defend ourselves against the monetary and fiscal actions taken by our leaders. He also exposes the truth about who really benefits from the outrageous money printing and other experiments enacted by the Federal Reserve, as well as what the profligate money creation can do to the prices of the things citizens need most.

As distressing and depressing as the truth is regarding the ongoing, systemic failure of the US dollar-and with it the US financial system-there is certainly a way out for those who prepare correctly. "Theft of the American Dream" presents financial defenses and investment strategies that offer the best hope for protecting our purchasing power in the period directly ahead.

Spend more time doing what you love and maximize the ROI of a small portfolio with this multi-award-winning strategy guide: “a critically important, much-needed piece of thought leadership in the real estate investing space” (Dave Meyer, host of BiggerPockets’ On the Market podcast).

You don’t need to build a massive real estate empire to achieve financial freedom, and you don’t have to sacrifice what matters to build wealth. Rather than chasing a moving goal post, you can keep your strategy simple, maximize your flexibility, and build the life you want by becoming, a small and mighty investor.

Real estate investor and podcaster Chad Carson (aka Coach Carson) intentionally built a small rental property portfolio to give his family full financial independence while requiring less than two hours per week of his time. In this book, he shares practical, step-by-step strategies for real estate investors who want more freedom, not another job. Whether you're new to real estate or hoping to downsize, this practical guide will show you a simpler, safer, and faster path to building cash flow with rental properties—so you can get out of the financial grind and do more of what matters in your life.

Inside, you will:

• Make more money in less time with better property and market analysis
• Find the best real estate deals with budget-friendly (and time-friendly!) methods
• Learn how to build an all-star team that saves you time and money
• Discover low-risk financing techniques and avoid big mistakes
• Negotiate effectively and authentically to get more offers accepted
• Organize and outsource your rental business to free up time and energy
• Learn how to buy properties free and clear of debt for a simple, low-risk portfolio