Every decision, from buying a home to grabbing a daily latte,has costs and benefits-personal as well as financial. The Real Costof Living helps you make better decisions, both big and small-decisions that involve money, but aren't all about money.Well-known personal finance expert Carmen Ulrich makespersonal finance personal and takes into account that we all havemotivations that go way beyond number crunching. From marriage andfamily to career, investing, and more, Carmen examines the "realcost" of the choices we all make every day. * Is deciding whether to go back to work full-time after you havea child really all about money? Should it be? * Is prepaying a mortgage a smart-money move, or is it reallyabout craving security and stability-and which means more toyou? * How much do your bad habits really cost you? And is savingthousands of dollars enough of a motivation to get you tostop? * Are college degrees really worthwhile? And if so, how can youmaximize the odds of gaining

When it comes to investing in the stock market, investors have plenty of options: 1. They can do it themselves. Trillions of dollars areinvested this way. (Of course, the only problem here is that most people have no ideahow to analyze and choose individual stocks. Well, not reallythe only problem. Most investors have no idea how toconstruct a stock portfolio, most have no idea when to buy andsell, and most have no idea how much to invest in the firstplace.) 2. They can give it to professionals to invest. Trillions of dollars are invested this way. (Unfortunately most professionals actually underperform the market averages over time. In fact,it may be even harderto pick good professional managers than it is to pick goodindividual stocks.) 3. They can invest in traditional index funds. Trillions of dollars are also invested this way.(The problem isthat investing this way is seriously flawed--and almost a guaranteeof subpar investment returns over time.) 4. They can read The Big Secret for the

Forget what you’ve heard. Nice girls can get the corneroffice. As women, we haven’t always had the best role models at work. We’veeither worked for men or we’ve had female bosses who are, well, bigbitches. Woman still don’t have much of a road map right now whenit comes to taking charge at the office, so the team who broughtyou the national bestseller The Girl’s Guide to Starting YourOwn Business is drawing one for us. Caitlin Friedman andKimberly Yorio will teach you to be powerful without beingpossessive, to be opinionated without being brassy, and to have astrong voice without micromanaging. You’ll learn just how to ownthe role of queen bee in a positive way so that you can be morementor than manager, one who leads, inspires, and motivates. So, you finally got that promotion. You’re the boss now. Thesupervisor. The manager. The captain. The taskmaster. Those days oftaking orders, running errands, and clock-watching are over. Asexciting as all this might seem, once the rush of the pro

Moneyball is a quest for the secret of success in baseball.Following the low-budget Oakland Athletics, their larger-than-lifegeneral manger, Billy Beane, and the strange brotherhood of amateurbaseball enthusiasts, Michael Lewis has written not only "thesingle most influential baseball book ever" (Rob Neyer, Slate) butalso what "may be the best book ever written on business" (WeeklyStandard). I wrote this book because I fell in love with a story.The story concerned a small group of undervalued professionalbaseball players and executives, many of whom had been rejected asunfit for the big leagues, who had turned themselves into one ofthe most successful franchises in Major League Baseball. But theidea for the book came well before I had good reason to writeit-before I had a story to fall in love with. It began, really,with an innocent question: how did one of the poorest teams inbaseball, the Oakland Athletics, win so many games? With thesewords Michael Lewis launches us into the funniest, smartest, andm

This book was written to offer encouragement and basicinformation to the individual investor. Who knew it would gothrough thirty printings and sell more than one million copies? Asthis latest edition appears eleven years beyond the first, I'mconvinced that the same principles that helped me perform well atthe Fidelity Magellan Fund still apply to investing in stockstoday. It's been a remarkable stretch since One Up on Wall Street hit thebookstores in 1989. I left Magellan in May, 1990, and pundits saidit was a brilliant move. They congratulated me for getting out atthe right time -- just before the collapse of the great bullmarket. For the moment, the pessimists looked smart. The country'smajor banks flirted with insolvency, and a few went belly up. Byearly fall, war was brewing in Iraq. Stocks suffered one of theirworst declines in recent memory. But then the war was won, thebanking system survived, and stocks rebounded. Some rebound! The Dow is up more than fourfold since October, 1990,from the 2,400 lev

Every month you spend money in twelve majorcategories. And at the end of each month, you scratch your head andwonder, Where did it all go? In The Little Book of Big Savings, America’sFinancial Expert, Ellie Kay, will help you uncover theextra cash just waiting to be found in every area of your life. Notonly will you never again wonder where your cash went, you willhave extra to save–and even to share. Don’t mindlessly let hundreds of dollars slipout of your ATM every month. Ellie’s practical advice will showyou: ?How one phone call could save you $500 a yearor more ?How your kids can get a great education withoutbreaking the bank ?Three ways your water heater can save youmoney ?Why giving away money is one of the best waysto save it ?How to save up to 50% on your onlinepurchases Plus hundreds of other tips that will loosenyour budget without sacrificing your lifestyle. Soon you’ll findwhat you want the most when it comes to your finances: peace ofmind.

The bestselling author and nationally syndicated radio host of"The Money Game" has helped thousands through his 12-week financialplanning program. His workbook format allows readers to frequentlyassess their progress and to face their situation honestly by usingthe questionnaires and fill-in charts throughout the book--the mostvaluable purchase a debt-ridden reader could ever make.

Owning a home has always been the American Dream, and in The Automatic Millionaire Homeowner , David Bach shows thatbuying a home and investment properties is not only possible, it isstill the surest way to reach your seven-figure dreams on anordinary income. Whether you are a renter or already own a home,Bach’s book offers a lifelong strategy for real estate based ontimeless wisdom that is tried and true—in any market. He includeseverything you need to know, with step-by-step instructions,including phone numbers and web sites, so you can get started rightaway. As long as you’re alive, you have to live somewhere. Why notlet where you live make you financially secure and ultimately rich?David Bach will show you how.

Unravel the Mysteries of the Financial Markets—the Language,the Players, and the Strategies for Success Understanding money and investing has never been more importantthan it is today, as many of us are called upon to manage our ownretirement planning, college savings funds, and health-care costs.Up-to-date and expertly written, The Wall Street Journal CompleteMoney and Investing Guidebook provides investors with a simple—butnot simplistic—grounding in the world of finance. It breaks downthe basics of how money and investing work, explaining: ? What must-have information you need to invest in stocks, bonds,and mutual funds ? How to see through the inscrutable theories and arcane jargonof financial insiders and advisers ? What market players, investing strategies, and money andinvesting history you should know ? Why individual investors should pay attention to theeconomy Written in a clear, engaging style by Dave Kansas, one ofAmerica’s top business journalist

Recommended by finance experts and used extensively byinstitutional investors, index funds and exchange-traded funds(ETFs) provide unmanaged, diversified exposure to a variety ofasset classes. Index Investing For Dummies shows activeinvestors how to add index investments to their portfolios and makethe most of their money, while protecting their assets. It featuresplain-English information on the different types of index funds andtheir advantage over other funds, getting started in indexinvesting, using index funds for asset allocation, understandingreturns and risk, diversifying among fund holdings, and applyingwinning strategies for maximum profit.

"Home Economics" reintroduces readers to all Grandma's thriftytips, down-home know-how, honest-to-goodness advice, and deliciousrecipes. Modeled on and compiled from vintage home-ec textbooks,this adorable guide contains everything needed to whip up and keepup a happy, healthy, and - most important - economical homelife.

With up-to-the-minute information . . . And an all-newpreface by the author! Out of the red . . . ? Do this month’s bills pile up before you’ve paid lastmonth’s? ? Do you regularly receive past-due notices? ? Do you get letters threatening legal action if immediate paymentis not made? ? Do the total amounts of your revolving charge accounts keeprising? Into the black . . . Whether you are currently in debt or fear you’re fallinginto debt, you are not alone. Sixty million Americans--from doctorsto secretaries, from executives to the unemployed--face the sameproblem and live under the same daily stress. Based on the proventechniques of the national Debtors Anonymous program, here is thefirst complete, step-by-step guide to getting out of debt once andfor all. You’ll learn: ? How to recognize the warning signs of serious debt ? How to negotiate with angry creditors, collection agencies, andthe IRS ? How to design a realistic and painless pay-back schedule ? How to identify your spending blind

The international bestseller on the extent to which personalfreedom has been eroded by government regulations and agencieswhile personal prosperity has been undermined by governmentspending and economic controls. New Foreword by the Authors;Index.

If you are a baby boomer nearing fifty and you haven't saved adime, don't panic. Charles Schwab, one of America's most trustedand respected names in financial services will help you takecontrol of your financial life.In You're Fifty -- Now What? hewalks even the most inexperienced person through the process ofinvesting money to prepare for tomorrow, while offering solidanswers to tough questions. He helps you figure out exactly whatyou'll need for your retirement, how to maximize the best earningand investing years of your life, and how to work out your wisestbalance of asset allocation by offering straightforward advice thatenables you to put your affairs in order and your mind at ease.

Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires! Will you be one?In Start Over, Finish Rich, America's best-loved financial expert,David Bach, explains that 2010 will be the best opportunity forbuilding wealth we have seen in decades. And, as the economyrecovers, you must be set up to recover with it. Bach's easy,take-action plan will show you how. Start Over, Finish Rich supplies the ten crucial moves you mustmake in 2010 to get back on track and recapture your dreams of aricher future. Learn how to: * Get out of debt * Fix your credit * Rebuild your 401k plan * Improve your 529 Plan * Take smart risks * Reorganize your financial life for the high tech age * Update your real estate plan * Change your thinking about money * Recommit to wealth As Bach says, "A recession is a terrible thing to waste—so don'twaste this one! Use it instead to get rich." Read Start Over,Fini

Updated for paperback publication, Aftershock is a brilliantreading of the causes of our current economic crisis, with a planfor dealing with its challenging aftermath. When the nation’s economy foundered in 2008, blame was directedalmost universally at Wall Street bankers. But Robert B. Reich, oneof our most experienced and trusted voices on public policy,suggests another reason for the meltdown. Our real problem, heargues, lies in the increasing concentration of wealth in the handsof the richest Americans, while stagnant wages and rising costshave forced the middle class to go deep into debt. Reich’sthoughtful and detailed account of where we are headed over thenext decades—and how we can fix our economic system—is a practical,humane, and much-needed blueprint for restoring America’s economyand rebuilding our society.

From first-time newlyweds to people on their second or thirdmarriage, couples face an overwhelming task when it comes to moneymanagement. Nationally renowned financial advisor and bestsellingauthor David Bach knows that it doesn’t have to be this way. InSmart Couples Finish Rich, he provides couples with easy-to-usetools that cover everything from credit card management, toinvestment advice, to long-term care. You and your partner willlearn how to work together as a team to identify your core valuesand dreams, creating a financial plan that will allow you toachieve security, provide for your family’s future financial needs,and increase your income. Together, you’ll learn why couples thatplan their finances together, stay together!

Before I became “Phil Town, teacher of investing principles tomore than 500,000 people a year,” I was a lot like you: someone whoviewed individual stock investing as way too hard to dosuccessfully. As a guy who barely made a living as a river guide, Iconsidered the whole process pretty impenetrable, and I wasconvinced that to do it right you had to make it a full-time job.Me, I was more interested in having full-time fun. So I was tempted to do what you’re probably doing right now:letting some mutual fund manager worry about growing your nest egg.Let me tell you why that decision could one day make you absolutelymiserable.

This book presents the theory of capital utilization, adiscussion of the econometrics of capital utilization, andeconometric tests of the theory using international data. Capitalutilization, defined as the proportion of time that capital isworking productively, is mainly affected by shift-working. Capitalutilization is an important economic variable that has receivedserious attention from economists only since the mid-1960s In thefirst part, the authors provide a synthesis of current knowledge,combining a consistent statement of existing theory with some majorextensions. In the second part, they turn to the econometrics,first discussing the appropriate methodology and then testing thetheory on data from several countries. This empirical work isconsiderably more sophisticated than previous studies on thistopic. Having established the theory and tested it, they move on toconsider policy, the relationship between capital utilization andeconomic growth, and the place of shift-work in the dualeconomy.

When Guerrilla Marketing was first published in 1983, JayLevinson revolutionized marketing strategies for the small-businessowner with his take-no-prisoners approach to finding clients. Basedon hundreds of solid ideas that really work, Levinson's philosophyhas given birth to a new way of learning about market share and howto gain it. In this completely updated and expanded fourth edition,Levinson offers a new arsenal of weaponry for small-businesssuccess including * strategies for marketing on the Internet(explaining when and precisely how to use it) * tips for using newtechnology, such as podcasting and automated marketing * programsfor targeting prospects and cultivating repeat and referralbusiness * management lessons in the age of telecommuting andfreelance employees Guerrilla Marketing is the entrepreneur'smarketing bible -- and the book every small-business owner shouldhave on his or her shelf.

INVESTING PRINCIPLES FROM THE MASTER Ignore Sound Bites ThatRattle Markets Treat Market Pessimism as Your Friend Do the LittleThings Right Protect Your Capital When the Facts Turn Upside DownRely on CEOs Who Nurture Healthy Corporate Cultures Remember ThatLarge, Unfathomable Derivatives Are Still Financial Weapons of MassDestruction Seek Simplicity and Candor Millions of people downloadWarren Buffett’s shareholder letters, searching for tips from theworld’s greatest investor. Many miss the best part of his letter:his principles. It is their loss. Following these principles

Even after the ruinous financial crisis of 2008, America isstill beset by the depredations of an oligarchy that is now bigger,more profitable, and more resistant to regulation than ever.Anchored by six megabanks—Bank of America, JPMorgan Chase,Citigroup, Wells Fargo, Goldman Sachs, and Morgan Stanley—whichtogether control assets amounting, astonishingly, to more than 60percent of the country’s gross domestic product, these financialinstitutions (now more emphatically “too big to fail”) continue tohold the global economy hostage, threatening yet another financialmeltdown with their excessive risk-taking and toxic “business asusual” practices. How did this come to be—and what is to be done?These are the central concerns of 13 Bankers, a brilliant,historically informed account of our troubled politicaleconomy. In 13 Bankers, Simon Johnson—one of the most prominent andfrequently cited economists in America (former chief economist ofthe International Monetary Fund, Professor of Entre

In 2006, hedge fund manager John Paulson realized something fewothers suspected--that the housing market and the value of subprimemortgages were grossly inflated and headed for a major fall. Paulson's background was in mergers and acquisitions, however, andhe knew little about real estate or how to wager againsthousing. He had spent a career as an also-ran on Wall Street.But Paulson was convinced this was his chance to make his mark. Hejust wasn't sure how to do it. Colleagues at investment banksscoffed at him and investors dismissed him. Even prosskeptical about housing shied away from the complicated derivativeinvestments that Paulson was just learning about. But Paulsonand a handful of renegade investors such as Jeffrey Greene andMichael Burry began to bet heavily against risky mortgages andprecarious financial companies. Timing is everything, though.Initially, Paulson and the others lost tens of millions of dollarsas real estate and stocks continued to soar. Rather than back down,however, Paulson red

"Money is congealed energy," said Joseph Campbell. Andreleasing it releases life's possibilities. . . . Thousands of people worldwide have learned how to build apowerful new relationship with their money and bring their dreamsto fruition through Dr. Maria Nemeth's dynamic workshops. Now youcan, too. In The Energy of Money, Dr. Nemeth--who received an AudioPublishers Award for her Sounds True series on which this book isbased--draws upon her more than twenty years' experience insynthesizing spiritual and practical techniques for managingyourself and your work to create a revolutionary program that canfree your financial energy and use it to achieve personal lifegoals and financial wealth. Combining a complete self-help andself-discovery regimen with proven methods of money management,this powerhouse guide to prosperity presents twelve principles thatwill help you to - Uncover the hidden landscape of beliefs, patterns, and habitsthat underlie and sometimes subvert your everyday use of money a

For anyone interested in the world behind the business-pageheadlines, this is the book to read. --Publishers Weekly With the same breadth of vision and narrative élan he brought tohis monumental biographies of the great financiers, Ron Chernowexamines the forces that made dynasties like the Morgans, theWarburgs, and the Rothschilds the financial arbiters of the earlytwentieth century and then rendered them virtually obsolete by thecentury's end. As he traces the shifting balance of power among investors,borrowers, and bankers, Chernow evokes both the grand theater ofcapital and the personal dramas of its most fascinatingprotagonists. Here is Siegmund Warburg, who dropped a client in theheat of a takeover deal because the man wore monogrammed shirtcuffs, as well as the imperious J. P. Morgan, who, when faced witha federal antitrust suit, admonished Theodore Roosevelt to "sendyour man to my man and they can fix it up." And here are the menwho usurped their power, from the go-getters of the 1